Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 73,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'catslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 73,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/a-new-online-software-disburses-farm-loan-details-mj-prabu-24664/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/a-new-online-software-disburses-farm-loan-details-mj-prabu-24664/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'catslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
$message = 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
$stackFrame = (int) 1
$trace = [
	(int) 0 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ServerRequest.php',
		'line' => (int) 2421,
		'function' => 'deprecationWarning',
		'args' => [
			(int) 0 => 'The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead.'
		]
	],
	(int) 1 => [
		'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
		'line' => (int) 74,
		'function' => 'offsetGet',
		'class' => 'Cake\Http\ServerRequest',
		'object' => object(Cake\Http\ServerRequest) {},
		'type' => '->',
		'args' => [
			(int) 0 => 'artileslug'
		]
	],
	(int) 2 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Controller/Controller.php',
		'line' => (int) 610,
		'function' => 'printArticle',
		'class' => 'App\Controller\ArtileDetailController',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 3 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 120,
		'function' => 'invokeAction',
		'class' => 'Cake\Controller\Controller',
		'object' => object(App\Controller\ArtileDetailController) {},
		'type' => '->',
		'args' => []
	],
	(int) 4 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/ActionDispatcher.php',
		'line' => (int) 94,
		'function' => '_invoke',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(App\Controller\ArtileDetailController) {}
		]
	],
	(int) 5 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/BaseApplication.php',
		'line' => (int) 235,
		'function' => 'dispatch',
		'class' => 'Cake\Http\ActionDispatcher',
		'object' => object(Cake\Http\ActionDispatcher) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 6 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Http\BaseApplication',
		'object' => object(App\Application) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 7 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/RoutingMiddleware.php',
		'line' => (int) 162,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 8 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\RoutingMiddleware',
		'object' => object(Cake\Routing\Middleware\RoutingMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 9 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Routing/Middleware/AssetMiddleware.php',
		'line' => (int) 88,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 10 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Routing\Middleware\AssetMiddleware',
		'object' => object(Cake\Routing\Middleware\AssetMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 11 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Middleware/ErrorHandlerMiddleware.php',
		'line' => (int) 96,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 12 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 65,
		'function' => '__invoke',
		'class' => 'Cake\Error\Middleware\ErrorHandlerMiddleware',
		'object' => object(Cake\Error\Middleware\ErrorHandlerMiddleware) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {},
			(int) 2 => object(Cake\Http\Runner) {}
		]
	],
	(int) 13 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Runner.php',
		'line' => (int) 51,
		'function' => '__invoke',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\ServerRequest) {},
			(int) 1 => object(Cake\Http\Response) {}
		]
	],
	(int) 14 => [
		'file' => '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Http/Server.php',
		'line' => (int) 98,
		'function' => 'run',
		'class' => 'Cake\Http\Runner',
		'object' => object(Cake\Http\Runner) {},
		'type' => '->',
		'args' => [
			(int) 0 => object(Cake\Http\MiddlewareQueue) {},
			(int) 1 => object(Cake\Http\ServerRequest) {},
			(int) 2 => object(Cake\Http\Response) {}
		]
	],
	(int) 15 => [
		'file' => '/home/brlfuser/public_html/webroot/index.php',
		'line' => (int) 39,
		'function' => 'run',
		'class' => 'Cake\Http\Server',
		'object' => object(Cake\Http\Server) {},
		'type' => '->',
		'args' => []
	]
]
$frame = [
	'file' => '/home/brlfuser/public_html/src/Controller/ArtileDetailController.php',
	'line' => (int) 74,
	'function' => 'offsetGet',
	'class' => 'Cake\Http\ServerRequest',
	'object' => object(Cake\Http\ServerRequest) {
		trustProxy => false
		[protected] params => [
			[maximum depth reached]
		]
		[protected] data => [[maximum depth reached]]
		[protected] query => [[maximum depth reached]]
		[protected] cookies => [
			[maximum depth reached]
		]
		[protected] _environment => [
			[maximum depth reached]
		]
		[protected] url => 'latest-news-updates/a-new-online-software-disburses-farm-loan-details-mj-prabu-24664/print'
		[protected] base => ''
		[protected] webroot => '/'
		[protected] here => '/latest-news-updates/a-new-online-software-disburses-farm-loan-details-mj-prabu-24664/print'
		[protected] trustedProxies => [[maximum depth reached]]
		[protected] _input => null
		[protected] _detectors => [
			[maximum depth reached]
		]
		[protected] _detectorCache => [
			[maximum depth reached]
		]
		[protected] stream => object(Zend\Diactoros\PhpInputStream) {}
		[protected] uri => object(Zend\Diactoros\Uri) {}
		[protected] session => object(Cake\Http\Session) {}
		[protected] attributes => [[maximum depth reached]]
		[protected] emulatedAttributes => [
			[maximum depth reached]
		]
		[protected] uploadedFiles => [[maximum depth reached]]
		[protected] protocol => null
		[protected] requestTarget => null
		[private] deprecatedProperties => [
			[maximum depth reached]
		]
	},
	'type' => '->',
	'args' => [
		(int) 0 => 'artileslug'
	]
]
deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

                trigger_error($message, E_USER_WARNING);

            } else {
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ff834fbb0c0-trace').style.display = (document.getElementById('cakeErr67ff834fbb0c0-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67ff834fbb0c0-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ff834fbb0c0-code').style.display = (document.getElementById('cakeErr67ff834fbb0c0-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ff834fbb0c0-context').style.display = (document.getElementById('cakeErr67ff834fbb0c0-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67ff834fbb0c0-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67ff834fbb0c0-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 24485,
		&#039;title&#039; =&gt; &#039;A new online software disburses farm loan details-MJ Prabu&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Scale of finance&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Not fixed&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Request&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In some cases a farmer may not be interested in availing the whole loan amount immediately.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Calculation&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Hindu, 3 April, 2014, http://www.thehindu.com/sci-tech/technology/a-new-online-software-disburses-farm-loan-details/article5863648.ece&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;a-new-online-software-disburses-farm-loan-details-mj-prabu-24664&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 24664,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 24485,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Rural Credit,Farm Loans,Farmers,Agriculture,farming&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&amp;quot;Farmers know well how hard it is...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot; title=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Scale of finance&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Not fixed&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Request&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In some cases a farmer may not be interested in availing the whole loan amount immediately.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Calculation&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 24485,
	&#039;title&#039; =&gt; &#039;A new online software disburses farm loan details-MJ Prabu&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Scale of finance&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Not fixed&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Request&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In some cases a farmer may not be interested in availing the whole loan amount immediately.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Calculation&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Hindu, 3 April, 2014, http://www.thehindu.com/sci-tech/technology/a-new-online-software-disburses-farm-loan-details/article5863648.ece&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;a-new-online-software-disburses-farm-loan-details-mj-prabu-24664&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 24664,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 24485
$metaTitle = &#039;LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu&#039;
$metaKeywords = &#039;Rural Credit,Farm Loans,Farmers,Agriculture,farming&#039;
$metaDesc = &#039;
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&amp;quot;Farmers know well how hard it is...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot; title=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Scale of finance&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Not fixed&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Request&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In some cases a farmer may not be interested in availing the whole loan amount immediately.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Calculation&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.&lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/a-new-online-software-disburses-farm-loan-details-mj-prabu-24664.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu | Im4change.org</title>
    <meta name="description" content="
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&quot;Farmers know well how hard it is..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>A new online software disburses farm loan details-MJ Prabu</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Hindu</div><p align="justify"><br /><em>Kerala: </em>Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.</p><p align="justify">&quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.</p><p align="justify">&quot;As an answer for this our specialist team has developed a new farm loan calculator called <a href="http://www.farmextensionmanager.com" title="http://www.farmextensionmanager.com">www.farmextensionmanager.com</a>,&quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.</p><p align="justify"><em>Scale of finance</em></p><p align="justify">The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.</p><p align="justify">Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.</p><p align="justify">Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.</p><p align="justify">Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.</p><p align="justify">There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.</p><p align="justify"><em>Not fixed</em></p><p align="justify">&quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.</p><p align="justify">&quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.</p><p align="justify"><em>Request</em></p><p align="justify">As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.</p><p align="justify">And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer's particulars and choice of crop he wishes to cultivate.</p><p align="justify">Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.</p><p align="justify">Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.</p><p align="justify">In some cases a farmer may not be interested in availing the whole loan amount immediately.</p><p align="justify"><em>Calculation</em></p><p align="justify">He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.</p><p align="justify">Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.</p><p align="justify">For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.</p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$maxBufferLength = (int) 8192
$file = '/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php'
$line = (int) 853
$message = 'Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853'
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 48
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 148]
Code Context
            $response->getStatusCode(),

            ($reasonPhrase ? ' ' . $reasonPhrase : '')

        ));
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ff834fbb0c0-trace').style.display = (document.getElementById('cakeErr67ff834fbb0c0-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67ff834fbb0c0-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ff834fbb0c0-code').style.display = (document.getElementById('cakeErr67ff834fbb0c0-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ff834fbb0c0-context').style.display = (document.getElementById('cakeErr67ff834fbb0c0-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67ff834fbb0c0-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67ff834fbb0c0-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 24485,
		&#039;title&#039; =&gt; &#039;A new online software disburses farm loan details-MJ Prabu&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Scale of finance&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Not fixed&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Request&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In some cases a farmer may not be interested in availing the whole loan amount immediately.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Calculation&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Hindu, 3 April, 2014, http://www.thehindu.com/sci-tech/technology/a-new-online-software-disburses-farm-loan-details/article5863648.ece&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;a-new-online-software-disburses-farm-loan-details-mj-prabu-24664&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 24664,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 24485,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Rural Credit,Farm Loans,Farmers,Agriculture,farming&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&amp;quot;Farmers know well how hard it is...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot; title=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Scale of finance&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Not fixed&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Request&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In some cases a farmer may not be interested in availing the whole loan amount immediately.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Calculation&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 24485,
	&#039;title&#039; =&gt; &#039;A new online software disburses farm loan details-MJ Prabu&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Scale of finance&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Not fixed&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Request&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In some cases a farmer may not be interested in availing the whole loan amount immediately.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Calculation&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Hindu, 3 April, 2014, http://www.thehindu.com/sci-tech/technology/a-new-online-software-disburses-farm-loan-details/article5863648.ece&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;a-new-online-software-disburses-farm-loan-details-mj-prabu-24664&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 24664,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 24485
$metaTitle = &#039;LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu&#039;
$metaKeywords = &#039;Rural Credit,Farm Loans,Farmers,Agriculture,farming&#039;
$metaDesc = &#039;
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&amp;quot;Farmers know well how hard it is...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot; title=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Scale of finance&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Not fixed&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Request&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In some cases a farmer may not be interested in availing the whole loan amount immediately.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Calculation&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.&lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/a-new-online-software-disburses-farm-loan-details-mj-prabu-24664.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu | Im4change.org</title>
    <meta name="description" content="
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&quot;Farmers know well how hard it is..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>A new online software disburses farm loan details-MJ Prabu</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Hindu</div><p align="justify"><br /><em>Kerala: </em>Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.</p><p align="justify">&quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.</p><p align="justify">&quot;As an answer for this our specialist team has developed a new farm loan calculator called <a href="http://www.farmextensionmanager.com" title="http://www.farmextensionmanager.com">www.farmextensionmanager.com</a>,&quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.</p><p align="justify"><em>Scale of finance</em></p><p align="justify">The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.</p><p align="justify">Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.</p><p align="justify">Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.</p><p align="justify">Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.</p><p align="justify">There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.</p><p align="justify"><em>Not fixed</em></p><p align="justify">&quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.</p><p align="justify">&quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.</p><p align="justify"><em>Request</em></p><p align="justify">As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.</p><p align="justify">And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer's particulars and choice of crop he wishes to cultivate.</p><p align="justify">Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.</p><p align="justify">Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.</p><p align="justify">In some cases a farmer may not be interested in availing the whole loan amount immediately.</p><p align="justify"><em>Calculation</em></p><p align="justify">He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.</p><p align="justify">Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.</p><p align="justify">For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.</p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$reasonPhrase = 'OK'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitStatusLine() - CORE/src/Http/ResponseEmitter.php, line 148
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 54
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

Warning (2): Cannot modify header information - headers already sent by (output started at /home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php:853) [CORE/src/Http/ResponseEmitter.php, line 181]
Code Context
                    $value

                ), $first);

                $first = false;
$response = object(Cake\Http\Response) {

	'status' => (int) 200,
	'contentType' => 'text/html',
	'headers' => [
		'Content-Type' => [
			[maximum depth reached]
		]
	],
	'file' => null,
	'fileRange' => [],
	'cookies' => object(Cake\Http\Cookie\CookieCollection) {},
	'cacheDirectives' => [],
	'body' => '<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN"
        "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ff834fbb0c0-trace').style.display = (document.getElementById('cakeErr67ff834fbb0c0-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67ff834fbb0c0-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ff834fbb0c0-code').style.display = (document.getElementById('cakeErr67ff834fbb0c0-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ff834fbb0c0-context').style.display = (document.getElementById('cakeErr67ff834fbb0c0-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67ff834fbb0c0-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
</span></code></span>
<code><span style="color: #000000"><span style="color: #0000BB">&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="color: #007700">&lt;</span><span style="color: #0000BB">meta&nbsp;http</span><span style="color: #007700">-</span><span style="color: #0000BB">equiv</span><span style="color: #007700">=</span><span style="color: #DD0000">"Content-Type"&nbsp;</span><span style="color: #0000BB">content</span><span style="color: #007700">=</span><span style="color: #DD0000">"text/html;&nbsp;charset=utf-8"</span><span style="color: #007700">/&gt;
</span></span></code></pre><pre id="cakeErr67ff834fbb0c0-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
$dataForView = [
	&#039;article_current&#039; =&gt; object(App\Model\Entity\Article) {

		&#039;id&#039; =&gt; (int) 24485,
		&#039;title&#039; =&gt; &#039;A new online software disburses farm loan details-MJ Prabu&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Scale of finance&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Not fixed&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Request&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In some cases a farmer may not be interested in availing the whole loan amount immediately.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Calculation&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.
&lt;/p&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Hindu, 3 April, 2014, http://www.thehindu.com/sci-tech/technology/a-new-online-software-disburses-farm-loan-details/article5863648.ece&#039;,
		&#039;article_img&#039; =&gt; &#039;&#039;,
		&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
		&#039;status&#039; =&gt; (int) 1,
		&#039;show_on_home&#039; =&gt; (int) 1,
		&#039;lang&#039; =&gt; &#039;EN&#039;,
		&#039;category_id&#039; =&gt; (int) 16,
		&#039;tag_keyword&#039; =&gt; &#039;&#039;,
		&#039;seo_url&#039; =&gt; &#039;a-new-online-software-disburses-farm-loan-details-mj-prabu-24664&#039;,
		&#039;meta_title&#039; =&gt; null,
		&#039;meta_keywords&#039; =&gt; null,
		&#039;meta_description&#039; =&gt; null,
		&#039;noindex&#039; =&gt; (int) 0,
		&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
		&#039;most_visit_section_id&#039; =&gt; null,
		&#039;article_big_img&#039; =&gt; null,
		&#039;liveid&#039; =&gt; (int) 24664,
		&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
		&#039;edate&#039; =&gt; &#039;&#039;,
		&#039;tags&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
		&#039;[new]&#039; =&gt; false,
		&#039;[accessible]&#039; =&gt; [
			[maximum depth reached]
		],
		&#039;[dirty]&#039; =&gt; [[maximum depth reached]],
		&#039;[original]&#039; =&gt; [[maximum depth reached]],
		&#039;[virtual]&#039; =&gt; [[maximum depth reached]],
		&#039;[hasErrors]&#039; =&gt; false,
		&#039;[errors]&#039; =&gt; [[maximum depth reached]],
		&#039;[invalid]&#039; =&gt; [[maximum depth reached]],
		&#039;[repository]&#039; =&gt; &#039;Articles&#039;
	
	},
	&#039;articleid&#039; =&gt; (int) 24485,
	&#039;metaTitle&#039; =&gt; &#039;LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu&#039;,
	&#039;metaKeywords&#039; =&gt; &#039;Rural Credit,Farm Loans,Farmers,Agriculture,farming&#039;,
	&#039;metaDesc&#039; =&gt; &#039;
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&amp;quot;Farmers know well how hard it is...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot; title=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Scale of finance&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Not fixed&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Request&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In some cases a farmer may not be interested in availing the whole loan amount immediately.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Calculation&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.&lt;/p&gt;&#039;,
	&#039;lang&#039; =&gt; &#039;English&#039;,
	&#039;SITE_URL&#039; =&gt; &#039;https://im4change.in/&#039;,
	&#039;site_title&#039; =&gt; &#039;im4change&#039;,
	&#039;adminprix&#039; =&gt; &#039;admin&#039;
]
$article_current = object(App\Model\Entity\Article) {

	&#039;id&#039; =&gt; (int) 24485,
	&#039;title&#039; =&gt; &#039;A new online software disburses farm loan details-MJ Prabu&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu
&lt;/div&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;br /&gt;
&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Scale of finance&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Not fixed&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Request&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
In some cases a farmer may not be interested in availing the whole loan amount immediately.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
&lt;em&gt;Calculation&lt;/em&gt;
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.
&lt;/p&gt;
&lt;p align=&quot;justify&quot;&gt;
For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.
&lt;/p&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Hindu, 3 April, 2014, http://www.thehindu.com/sci-tech/technology/a-new-online-software-disburses-farm-loan-details/article5863648.ece&#039;,
	&#039;article_img&#039; =&gt; &#039;&#039;,
	&#039;article_img_thumb&#039; =&gt; &#039;&#039;,
	&#039;status&#039; =&gt; (int) 1,
	&#039;show_on_home&#039; =&gt; (int) 1,
	&#039;lang&#039; =&gt; &#039;EN&#039;,
	&#039;category_id&#039; =&gt; (int) 16,
	&#039;tag_keyword&#039; =&gt; &#039;&#039;,
	&#039;seo_url&#039; =&gt; &#039;a-new-online-software-disburses-farm-loan-details-mj-prabu-24664&#039;,
	&#039;meta_title&#039; =&gt; null,
	&#039;meta_keywords&#039; =&gt; null,
	&#039;meta_description&#039; =&gt; null,
	&#039;noindex&#039; =&gt; (int) 0,
	&#039;publish_date&#039; =&gt; object(Cake\I18n\FrozenDate) {},
	&#039;most_visit_section_id&#039; =&gt; null,
	&#039;article_big_img&#039; =&gt; null,
	&#039;liveid&#039; =&gt; (int) 24664,
	&#039;created&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;modified&#039; =&gt; object(Cake\I18n\FrozenTime) {},
	&#039;edate&#039; =&gt; &#039;&#039;,
	&#039;tags&#039; =&gt; [
		(int) 0 =&gt; object(Cake\ORM\Entity) {},
		(int) 1 =&gt; object(Cake\ORM\Entity) {},
		(int) 2 =&gt; object(Cake\ORM\Entity) {},
		(int) 3 =&gt; object(Cake\ORM\Entity) {},
		(int) 4 =&gt; object(Cake\ORM\Entity) {}
	],
	&#039;category&#039; =&gt; object(App\Model\Entity\Category) {},
	&#039;[new]&#039; =&gt; false,
	&#039;[accessible]&#039; =&gt; [
		&#039;*&#039; =&gt; true,
		&#039;id&#039; =&gt; false
	],
	&#039;[dirty]&#039; =&gt; [],
	&#039;[original]&#039; =&gt; [],
	&#039;[virtual]&#039; =&gt; [],
	&#039;[hasErrors]&#039; =&gt; false,
	&#039;[errors]&#039; =&gt; [],
	&#039;[invalid]&#039; =&gt; [],
	&#039;[repository]&#039; =&gt; &#039;Articles&#039;

}
$articleid = (int) 24485
$metaTitle = &#039;LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu&#039;
$metaKeywords = &#039;Rural Credit,Farm Loans,Farmers,Agriculture,farming&#039;
$metaDesc = &#039;
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&amp;quot;Farmers know well how hard it is...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu&lt;/div&gt;&lt;p align=&quot;justify&quot;&gt;&lt;br /&gt;&lt;em&gt;Kerala: &lt;/em&gt;Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;As an answer for this our specialist team has developed a new farm loan calculator called &lt;a href=&quot;http://www.farmextensionmanager.com&quot; title=&quot;http://www.farmextensionmanager.com&quot;&gt;www.farmextensionmanager.com&lt;/a&gt;,&amp;quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Scale of finance&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Not fixed&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&amp;quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&amp;quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Request&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer&#039;s particulars and choice of crop he wishes to cultivate.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;In some cases a farmer may not be interested in availing the whole loan amount immediately.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;&lt;em&gt;Calculation&lt;/em&gt;&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.&lt;/p&gt;&lt;p align=&quot;justify&quot;&gt;For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.&lt;/p&gt;&#039;
$lang = &#039;English&#039;
$SITE_URL = &#039;https://im4change.in/&#039;
$site_title = &#039;im4change&#039;
$adminprix = &#039;admin&#039;</pre><pre class="stack-trace">include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51</pre></div></pre>latest-news-updates/a-new-online-software-disburses-farm-loan-details-mj-prabu-24664.html"/>
    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>
    <link href="https://im4change.in/css/control.css" rel="stylesheet" type="text/css"
          media="all"/>
    <title>LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu | Im4change.org</title>
    <meta name="description" content="
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&quot;Farmers know well how hard it is..."/>
    <script src="https://im4change.in/js/jquery-1.10.2.js"></script>
    <script type="text/javascript" src="https://im4change.in/js/jquery-migrate.min.js"></script>
    <script language="javascript" type="text/javascript">

        $(document).ready(function () {
            var img = $("img")[0]; // Get my img elem
            var pic_real_width, pic_real_height;
            $("<img/>") // Make in memory copy of image to avoid css issues
                .attr("src", $(img).attr("src"))
                .load(function () {
                    pic_real_width = this.width;   // Note: $(this).width() will not
                    pic_real_height = this.height; // work for in memory images.
                });
        });
    </script>
    <style type="text/css">
        @media screen {
            div.divFooter {
                display: block;
            }
        }

        @media print {
            .printbutton {
                display: none !important;
            }
        }
    </style>
</head>
<body>
<table cellpadding="0" cellspacing="0" border="0" width="98%" align="center">
    <tr>
        <td class="top_bg">
            <div class="divFooter">
                <img src="https://im4change.in/images/logo1.jpg" height="59" border="0"
                     alt="Resource centre on India's rural distress" style="padding-top:14px;"/>
            </div>

        </td>
    </tr>
    <tr>
        <td id="topspace">&nbsp;</td>
    </tr>

    <tr id="topspace">
        <td>&nbsp;</td>
    </tr>
    <tr>
        <td height="50" style="border-bottom:1px solid #000; padding-top:10px;" class="printbutton">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>

    <tr>
        <td width="100%">
            <h1 class="news_headlines" style="font-style:normal">
                <strong>A new online software disburses farm loan details-MJ Prabu</strong></h1>
        </td>
    </tr>
    <tr>
        <td width="100%" style="font-family:Arial, 'Segoe Script', 'Segoe UI', sans-serif, serif"><font size="3">
                <div align="justify">-The Hindu</div><p align="justify"><br /><em>Kerala: </em>Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.</p><p align="justify">&quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.</p><p align="justify">&quot;As an answer for this our specialist team has developed a new farm loan calculator called <a href="http://www.farmextensionmanager.com" title="http://www.farmextensionmanager.com">www.farmextensionmanager.com</a>,&quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.</p><p align="justify"><em>Scale of finance</em></p><p align="justify">The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.</p><p align="justify">Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.</p><p align="justify">Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.</p><p align="justify">Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.</p><p align="justify">There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.</p><p align="justify"><em>Not fixed</em></p><p align="justify">&quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.</p><p align="justify">&quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.</p><p align="justify"><em>Request</em></p><p align="justify">As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.</p><p align="justify">And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer's particulars and choice of crop he wishes to cultivate.</p><p align="justify">Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.</p><p align="justify">Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.</p><p align="justify">In some cases a farmer may not be interested in availing the whole loan amount immediately.</p><p align="justify"><em>Calculation</em></p><p align="justify">He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.</p><p align="justify">Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.</p><p align="justify">For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.</p>               </font>
        </td>
    </tr>
    <tr>
        <td>&nbsp;</td>
    </tr>

    <tr>
        <td height="50" style="border-top:1px solid #000; border-bottom:1px solid #000;padding-top:10px;">
            <form><input type="button" value=" Print this page "
                         onclick="window.print();return false;"/></form>
        </td>
    </tr>
</table></body>
</html>'

}
$cookies = []
$values = [
	(int) 0 => 'text/html; charset=UTF-8'
]
$name = 'Content-Type'
$first = true
$value = 'text/html; charset=UTF-8'
header - [internal], line ??
Cake\Http\ResponseEmitter::emitHeaders() - CORE/src/Http/ResponseEmitter.php, line 181
Cake\Http\ResponseEmitter::emit() - CORE/src/Http/ResponseEmitter.php, line 55
Cake\Http\Server::emit() - CORE/src/Http/Server.php, line 141
[main] - ROOT/webroot/index.php, line 39

<head>

    <link rel="canonical" href="<?php echo Configure::read('SITE_URL'); ?><?php echo $urlPrefix;?><?php echo $article_current->category->slug; ?>/<?php echo $article_current->seo_url; ?>.html"/>

    <meta http-equiv="Content-Type" content="text/html; charset=utf-8"/>

$viewFile = '/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp'
$dataForView = [
	'article_current' => object(App\Model\Entity\Article) {

		'id' => (int) 24485,
		'title' => 'A new online software disburses farm loan details-MJ Prabu',
		'subheading' => '',
		'description' => '<div align="justify">
-The Hindu
</div>
<p align="justify">
<br />
<em>Kerala: </em>Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.
</p>
<p align="justify">
&quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.
</p>
<p align="justify">
&quot;As an answer for this our specialist team has developed a new farm loan calculator called <a href="http://www.farmextensionmanager.com">www.farmextensionmanager.com</a>,&quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.
</p>
<p align="justify">
<em>Scale of finance</em>
</p>
<p align="justify">
The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.
</p>
<p align="justify">
Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.
</p>
<p align="justify">
Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.
</p>
<p align="justify">
Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.
</p>
<p align="justify">
There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.
</p>
<p align="justify">
<em>Not fixed</em>
</p>
<p align="justify">
&quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.
</p>
<p align="justify">
&quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.
</p>
<p align="justify">
<em>Request</em>
</p>
<p align="justify">
As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.
</p>
<p align="justify">
And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer's particulars and choice of crop he wishes to cultivate.
</p>
<p align="justify">
Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.
</p>
<p align="justify">
Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.
</p>
<p align="justify">
In some cases a farmer may not be interested in availing the whole loan amount immediately.
</p>
<p align="justify">
<em>Calculation</em>
</p>
<p align="justify">
He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.
</p>
<p align="justify">
Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.
</p>
<p align="justify">
For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.
</p>',
		'credit_writer' => 'The Hindu, 3 April, 2014, http://www.thehindu.com/sci-tech/technology/a-new-online-software-disburses-farm-loan-details/article5863648.ece',
		'article_img' => '',
		'article_img_thumb' => '',
		'status' => (int) 1,
		'show_on_home' => (int) 1,
		'lang' => 'EN',
		'category_id' => (int) 16,
		'tag_keyword' => '',
		'seo_url' => 'a-new-online-software-disburses-farm-loan-details-mj-prabu-24664',
		'meta_title' => null,
		'meta_keywords' => null,
		'meta_description' => null,
		'noindex' => (int) 0,
		'publish_date' => object(Cake\I18n\FrozenDate) {},
		'most_visit_section_id' => null,
		'article_big_img' => null,
		'liveid' => (int) 24664,
		'created' => object(Cake\I18n\FrozenTime) {},
		'modified' => object(Cake\I18n\FrozenTime) {},
		'edate' => '',
		'tags' => [
			[maximum depth reached]
		],
		'category' => object(App\Model\Entity\Category) {},
		'[new]' => false,
		'[accessible]' => [
			[maximum depth reached]
		],
		'[dirty]' => [[maximum depth reached]],
		'[original]' => [[maximum depth reached]],
		'[virtual]' => [[maximum depth reached]],
		'[hasErrors]' => false,
		'[errors]' => [[maximum depth reached]],
		'[invalid]' => [[maximum depth reached]],
		'[repository]' => 'Articles'
	
	},
	'articleid' => (int) 24485,
	'metaTitle' => 'LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu',
	'metaKeywords' => 'Rural Credit,Farm Loans,Farmers,Agriculture,farming',
	'metaDesc' => '
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&quot;Farmers know well how hard it is...',
	'disp' => '<div align="justify">-The Hindu</div><p align="justify"><br /><em>Kerala: </em>Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.</p><p align="justify">&quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.</p><p align="justify">&quot;As an answer for this our specialist team has developed a new farm loan calculator called <a href="http://www.farmextensionmanager.com" title="http://www.farmextensionmanager.com">www.farmextensionmanager.com</a>,&quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.</p><p align="justify"><em>Scale of finance</em></p><p align="justify">The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.</p><p align="justify">Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.</p><p align="justify">Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.</p><p align="justify">Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.</p><p align="justify">There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.</p><p align="justify"><em>Not fixed</em></p><p align="justify">&quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.</p><p align="justify">&quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.</p><p align="justify"><em>Request</em></p><p align="justify">As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.</p><p align="justify">And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer's particulars and choice of crop he wishes to cultivate.</p><p align="justify">Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.</p><p align="justify">Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.</p><p align="justify">In some cases a farmer may not be interested in availing the whole loan amount immediately.</p><p align="justify"><em>Calculation</em></p><p align="justify">He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.</p><p align="justify">Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.</p><p align="justify">For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.</p>',
	'lang' => 'English',
	'SITE_URL' => 'https://im4change.in/',
	'site_title' => 'im4change',
	'adminprix' => 'admin'
]
$article_current = object(App\Model\Entity\Article) {

	'id' => (int) 24485,
	'title' => 'A new online software disburses farm loan details-MJ Prabu',
	'subheading' => '',
	'description' => '<div align="justify">
-The Hindu
</div>
<p align="justify">
<br />
<em>Kerala: </em>Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.
</p>
<p align="justify">
&quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.
</p>
<p align="justify">
&quot;As an answer for this our specialist team has developed a new farm loan calculator called <a href="http://www.farmextensionmanager.com">www.farmextensionmanager.com</a>,&quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.
</p>
<p align="justify">
<em>Scale of finance</em>
</p>
<p align="justify">
The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.
</p>
<p align="justify">
Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.
</p>
<p align="justify">
Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.
</p>
<p align="justify">
Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.
</p>
<p align="justify">
There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.
</p>
<p align="justify">
<em>Not fixed</em>
</p>
<p align="justify">
&quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.
</p>
<p align="justify">
&quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.
</p>
<p align="justify">
<em>Request</em>
</p>
<p align="justify">
As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.
</p>
<p align="justify">
And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer's particulars and choice of crop he wishes to cultivate.
</p>
<p align="justify">
Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.
</p>
<p align="justify">
Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.
</p>
<p align="justify">
In some cases a farmer may not be interested in availing the whole loan amount immediately.
</p>
<p align="justify">
<em>Calculation</em>
</p>
<p align="justify">
He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.
</p>
<p align="justify">
Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.
</p>
<p align="justify">
For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.
</p>',
	'credit_writer' => 'The Hindu, 3 April, 2014, http://www.thehindu.com/sci-tech/technology/a-new-online-software-disburses-farm-loan-details/article5863648.ece',
	'article_img' => '',
	'article_img_thumb' => '',
	'status' => (int) 1,
	'show_on_home' => (int) 1,
	'lang' => 'EN',
	'category_id' => (int) 16,
	'tag_keyword' => '',
	'seo_url' => 'a-new-online-software-disburses-farm-loan-details-mj-prabu-24664',
	'meta_title' => null,
	'meta_keywords' => null,
	'meta_description' => null,
	'noindex' => (int) 0,
	'publish_date' => object(Cake\I18n\FrozenDate) {},
	'most_visit_section_id' => null,
	'article_big_img' => null,
	'liveid' => (int) 24664,
	'created' => object(Cake\I18n\FrozenTime) {},
	'modified' => object(Cake\I18n\FrozenTime) {},
	'edate' => '',
	'tags' => [
		(int) 0 => object(Cake\ORM\Entity) {},
		(int) 1 => object(Cake\ORM\Entity) {},
		(int) 2 => object(Cake\ORM\Entity) {},
		(int) 3 => object(Cake\ORM\Entity) {},
		(int) 4 => object(Cake\ORM\Entity) {}
	],
	'category' => object(App\Model\Entity\Category) {},
	'[new]' => false,
	'[accessible]' => [
		'*' => true,
		'id' => false
	],
	'[dirty]' => [],
	'[original]' => [],
	'[virtual]' => [],
	'[hasErrors]' => false,
	'[errors]' => [],
	'[invalid]' => [],
	'[repository]' => 'Articles'

}
$articleid = (int) 24485
$metaTitle = 'LATEST NEWS UPDATES | A new online software disburses farm loan details-MJ Prabu'
$metaKeywords = 'Rural Credit,Farm Loans,Farmers,Agriculture,farming'
$metaDesc = '
-The Hindu



Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.


&quot;Farmers know well how hard it is...'
$disp = '<div align="justify">-The Hindu</div><p align="justify"><br /><em>Kerala: </em>Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks.</p><p align="justify">&quot;Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed.</p><p align="justify">&quot;As an answer for this our specialist team has developed a new farm loan calculator called <a href="http://www.farmextensionmanager.com" title="http://www.farmextensionmanager.com">www.farmextensionmanager.com</a>,&quot; says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram.</p><p align="justify"><em>Scale of finance</em></p><p align="justify">The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit.</p><p align="justify">Agricultural credit falls under two major categories, one, crop loan and the other, investment loan.</p><p align="justify">Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return.</p><p align="justify">Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category.</p><p align="justify">There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area.</p><p align="justify"><em>Not fixed</em></p><p align="justify">&quot;The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000.</p><p align="justify">&quot;Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram,&quot; explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator.</p><p align="justify"><em>Request</em></p><p align="justify">As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen.</p><p align="justify">And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer's particulars and choice of crop he wishes to cultivate.</p><p align="justify">Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse.</p><p align="justify">Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount.</p><p align="justify">In some cases a farmer may not be interested in availing the whole loan amount immediately.</p><p align="justify"><em>Calculation</em></p><p align="justify">He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated.</p><p align="justify">Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank.</p><p align="justify">For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.</p>'
$lang = 'English'
$SITE_URL = 'https://im4change.in/'
$site_title = 'im4change'
$adminprix = 'admin'

include - APP/Template/Layout/printlayout.ctp, line 8
Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413
Cake\View\View::_render() - CORE/src/View/View.php, line 1374
Cake\View\View::renderLayout() - CORE/src/View/View.php, line 927
Cake\View\View::render() - CORE/src/View/View.php, line 885
Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51

A new online software disburses farm loan details-MJ Prabu

-The Hindu Kerala: Getting a crop loan from a bank and after repaying the entire amount getting back the land or house papers submitted as collateral security for availing the loan are not easy tasks. "Farmers know well how hard it is to get a bank loan today. In several cases they are often in the dark about their eligibility for applying or interest calculated on their loan amount disbursed. "As an answer for this our specialist team has developed a new farm loan calculator called www.farmextensionmanager.com," says Dr. P.V. Habeeburrahman, Professor and Head, KVK (Krishi Vigyan Kendra) Malappuram. Scale of finance The new online calculator, based on scale of finance concept, can help farmers know their loan eligibility and help banks to easily estimate crop loan limit. Agricultural credit falls under two major categories, one, crop loan and the other, investment loan. Crop loan is to meet the expenses for cultivation, maintenance and repair of pumps, agriculture machineries etc and investment loan is sanctioned for developing a new enterprise like fertilizer or seed shop that may not give immediate return. Usually during the sowing season, farmers approach their local bank for crop loan disbursement. The bank officials after necessary verification work out the amount for disbursal using scale of finance as base. Scale of finance in simple terms is the expenditure incurred for growing the particular crop. The cost of labour, chemicals, irrigation, marketing etc. falls under this category. There is a district level technical committee in every district which decides the loan amount to be disbursed. The committee meets every year and decides the loan limit for the different crops grown in that area. Not fixed "The scale of finance is not fixed. It is variable and differs in different districts even for the same crop grown and keeps changing annually. To cite an example, paddy cultivation per hectare in Kasargod is Rs 63,000 while in the nearby Kozhikode district is Rs 35,000. "Similarly, all crops included in a district may not find a place in another district. Betel vine is a commercial crop in Malappuram, while it is not in Thiruvananthapuram," explains Dr. Habeeb. All the required information has been collected from 14 districts from NABARD for the year 2013-14, the data validated and fed into the calculator. Request As soon as a farmer selects a district, the list of crops cultivated in that district will pop on the screen. And once the cultivated crop is selected, the scale of finance for that crop is displayed. This is followed by a request for entering the farmer's particulars and choice of crop he wishes to cultivate. Once this is done the minimum and maximum eligible finance will be shown on the screen at the click of the mouse. Since a number of intercrops are being cultivated in Kerala, the calculator has been designed to accommodate a maximum of five crops to arrive at the eligible loan amount. In some cases a farmer may not be interested in availing the whole loan amount immediately. Calculation He would prefer to utilise a portion first and after some months take the remaining loan, and in such a case the online programme calculates only the interest rate for the loan amount he wishes to utilise. Once he takes the entire loan then principal is also calculated. Similarly the interest charged for the loans may also differ among banks. The software effectively takes care of all these problems and gives the interest and principal part to be repaid at the end of the crop season. Thus, by using the tool, farmers can have an estimation of the eligible loan amount without going to the bank. For more details interested farmers can contact Dr. P.V. Habeeburrahman, Professor and Head, KVK Malappuram, email: kvkmalappuram@kau.in, mobile: 9446058252.