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: 150
 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);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
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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: 151
 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);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
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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
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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
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        LATEST NEWS UPDATES | Does the Banking System Really Want to Help Farmers? -Devinder Sharma    </title>
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The corporate sector is responsible for 70% of the country&rsquo;s NPAs, but their loans are being waived off while waiving farming loans is still being frowned upon.

The Gujarat government gave a loan of Rs 456.79 crore to the Tatas to..."/>
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-TheWire.in

The corporate sector is responsible for 70% of the country&rsquo;s NPAs, but their loans are being waived off while waiving farming loans is still being frowned upon.

The Gujarat government gave a loan of Rs 456.79 crore to the Tatas to..." />
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                            <div align="justify">-TheWire.in<br /><br /><em>The corporate sector is responsible for 70% of the country&rsquo;s NPAs, but their loans are being waived off while waiving farming loans is still being frowned upon.<br /></em><br />The Gujarat government gave a loan of Rs 456.79 crore to the Tatas to set up the Nano plant at Sanand, near Ahmedabad. The Gujarat government has acknowledged that the massive loan was given at an interest of 0.1%, to be paid back in 20 years. In other words, this huge loan was virtually an interest free long term loan. In another case, Steel tycoon, Laxmi Narain Mittal, was given Rs 1,200 crore by the Punjab government to invest in the Bathinda refinery. He also got the loan at a 0.1% rate of interest.<br /><br />On the other hand, if an extremely poor woman in a village wants to buy a goat worth Rs 5,000, she goes to a micro-finance institute (MFI), which provides her a loan at an interest rate of 24% to 36% or even more. This paltry loan has to be returned at weekly intervals. This poor woman is also an entrepreneur and wants to sustain her livelihood rearing a goat, the milk of which she can sell. Millions of livelihoods can potentially be sustained if banks were to provide loans like the ones the Tatas and Mittal received, for poor entrepreneurs.<br /><br />Farmers, for instance &ndash; suppose they buy a tractor at an interest rate of 12%. Big entrepreneurs can buy a luxury car at an interest rate of 7%. For a farmer, a tractor is necessary to improve crop production, which directly contributes to an increase in his income. The role of mechanisation to improve farming has never been in question, but for the rich, luxury cars are more of a status symbol.<br /><br />Therefore why is the banking system designed to favour the rich who already have many perks, while the poor pay a higher price to sustain their livelihoods?<br /><br />Discrimination against the poor doesn&rsquo;t end here. The Public Accounts Committee of the parliament has estimated that the total outstanding loans of public sector banks &ndash; Non-Performing Assets (NPAs) &ndash; stands at Rs 6.8 lakh crores. Out of this, 70%&nbsp; belongs to the corporate sector, whereas only 1% of the defaulters are farmers. The chief economic advisor, Arvind Subramanian, has already stated that the bad debts for the corporate sector should be written-off. According to him, the capitalist economy is designed so that the bad loans of these corporates have to be waived. India Ratings has estimated that more than Rs 4 lakh crore of the NPAs will be written-off. Writing-off of such enormous amounts of bad loans for the corporate sector makes economic sense, if the chief economic advisor is to be believed. On the other hand, the chairperson of State Bank of India, Arundhati Bhattacharya, laments that writing-off the outstanding loans of farmers is bad economics &ndash; it will lead to credit indiscipline. This when of the total NPAs, farmers were responsible for only 1%.<br /><br />Much of the farm credit that is provided every year is also taken advantage of by the agribusiness companies. In the Budget 2017, finance minister Arun Jaitley had announced a farm credit of Rs 10-lakh crore. But while such a huge outlay for farm credit gives an impression of governmental concern about farmers, a study by Ram Kumar and Pallavi Chavan (from Tata Institute of Social Sciences) found that less than 8% of this actually goes to small farmers. And small farmers constitute roughly 83% of the entire farming community. Nearly 75% of the Rs 10-lakh crore farm credit is reaped by agribusiness companies and big farmers who get the advantage of 3% interest subvention. Over the years, the definition of what constitutes a farm loan has been expanded to include warehousing companies, farm implement manufacturers and other agribusiness companies.<br /><br />Please <a href="https://thewire.in/119889/banking-system-farmers-loans/" title="https://thewire.in/119889/banking-system-farmers-loans/">click here</a> to read more. <br /></div>                                                           
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    <br><a href="https://thewire.in/119889/banking-system-farmers-loans/" class="re" target="_blank">TheWire.in, 30 March, 2017, https://thewire.in/119889/banking-system-farmers-loans/</a><div class="clear"></div>
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                                                 <h3><b>Farm Crisis</b></h3>
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    <h1 class="cat-box-title">Does the Banking System Really Want to Help Farmers? -Devinder Sharma</h1>
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                            <div align="justify">-TheWire.in<br /><br /><em>The corporate sector is responsible for 70% of the country&rsquo;s NPAs, but their loans are being waived off while waiving farming loans is still being frowned upon.<br /></em><br />The Gujarat government gave a loan of Rs 456.79 crore to the Tatas to set up the Nano plant at Sanand, near Ahmedabad. The Gujarat government has acknowledged that the massive loan was given at an interest of 0.1%, to be paid back in 20 years. In other words, this huge loan was virtually an interest free long term loan. In another case, Steel tycoon, Laxmi Narain Mittal, was given Rs 1,200 crore by the Punjab government to invest in the Bathinda refinery. He also got the loan at a 0.1% rate of interest.<br /><br />On the other hand, if an extremely poor woman in a village wants to buy a goat worth Rs 5,000, she goes to a micro-finance institute (MFI), which provides her a loan at an interest rate of 24% to 36% or even more. This paltry loan has to be returned at weekly intervals. This poor woman is also an entrepreneur and wants to sustain her livelihood rearing a goat, the milk of which she can sell. Millions of livelihoods can potentially be sustained if banks were to provide loans like the ones the Tatas and Mittal received, for poor entrepreneurs.<br /><br />Farmers, for instance &ndash; suppose they buy a tractor at an interest rate of 12%. Big entrepreneurs can buy a luxury car at an interest rate of 7%. For a farmer, a tractor is necessary to improve crop production, which directly contributes to an increase in his income. The role of mechanisation to improve farming has never been in question, but for the rich, luxury cars are more of a status symbol.<br /><br />Therefore why is the banking system designed to favour the rich who already have many perks, while the poor pay a higher price to sustain their livelihoods?<br /><br />Discrimination against the poor doesn&rsquo;t end here. The Public Accounts Committee of the parliament has estimated that the total outstanding loans of public sector banks &ndash; Non-Performing Assets (NPAs) &ndash; stands at Rs 6.8 lakh crores. Out of this, 70%&nbsp; belongs to the corporate sector, whereas only 1% of the defaulters are farmers. The chief economic advisor, Arvind Subramanian, has already stated that the bad debts for the corporate sector should be written-off. According to him, the capitalist economy is designed so that the bad loans of these corporates have to be waived. India Ratings has estimated that more than Rs 4 lakh crore of the NPAs will be written-off. Writing-off of such enormous amounts of bad loans for the corporate sector makes economic sense, if the chief economic advisor is to be believed. On the other hand, the chairperson of State Bank of India, Arundhati Bhattacharya, laments that writing-off the outstanding loans of farmers is bad economics &ndash; it will lead to credit indiscipline. This when of the total NPAs, farmers were responsible for only 1%.<br /><br />Much of the farm credit that is provided every year is also taken advantage of by the agribusiness companies. In the Budget 2017, finance minister Arun Jaitley had announced a farm credit of Rs 10-lakh crore. But while such a huge outlay for farm credit gives an impression of governmental concern about farmers, a study by Ram Kumar and Pallavi Chavan (from Tata Institute of Social Sciences) found that less than 8% of this actually goes to small farmers. And small farmers constitute roughly 83% of the entire farming community. Nearly 75% of the Rs 10-lakh crore farm credit is reaped by agribusiness companies and big farmers who get the advantage of 3% interest subvention. Over the years, the definition of what constitutes a farm loan has been expanded to include warehousing companies, farm implement manufacturers and other agribusiness companies.<br /><br />Please <a href="https://thewire.in/119889/banking-system-farmers-loans/" title="https://thewire.in/119889/banking-system-farmers-loans/">click here</a> to read more. <br /></div>                                                           
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    <br><a href="https://thewire.in/119889/banking-system-farmers-loans/" class="re" target="_blank">TheWire.in, 30 March, 2017, https://thewire.in/119889/banking-system-farmers-loans/</a><div class="clear"></div>
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The corporate sector is responsible for 70% of the country&rsquo;s NPAs, but their loans are being waived off while waiving farming loans is still being frowned upon.

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                            <div align="justify">-TheWire.in<br /><br /><em>The corporate sector is responsible for 70% of the country&rsquo;s NPAs, but their loans are being waived off while waiving farming loans is still being frowned upon.<br /></em><br />The Gujarat government gave a loan of Rs 456.79 crore to the Tatas to set up the Nano plant at Sanand, near Ahmedabad. The Gujarat government has acknowledged that the massive loan was given at an interest of 0.1%, to be paid back in 20 years. In other words, this huge loan was virtually an interest free long term loan. In another case, Steel tycoon, Laxmi Narain Mittal, was given Rs 1,200 crore by the Punjab government to invest in the Bathinda refinery. He also got the loan at a 0.1% rate of interest.<br /><br />On the other hand, if an extremely poor woman in a village wants to buy a goat worth Rs 5,000, she goes to a micro-finance institute (MFI), which provides her a loan at an interest rate of 24% to 36% or even more. This paltry loan has to be returned at weekly intervals. This poor woman is also an entrepreneur and wants to sustain her livelihood rearing a goat, the milk of which she can sell. Millions of livelihoods can potentially be sustained if banks were to provide loans like the ones the Tatas and Mittal received, for poor entrepreneurs.<br /><br />Farmers, for instance &ndash; suppose they buy a tractor at an interest rate of 12%. Big entrepreneurs can buy a luxury car at an interest rate of 7%. For a farmer, a tractor is necessary to improve crop production, which directly contributes to an increase in his income. The role of mechanisation to improve farming has never been in question, but for the rich, luxury cars are more of a status symbol.<br /><br />Therefore why is the banking system designed to favour the rich who already have many perks, while the poor pay a higher price to sustain their livelihoods?<br /><br />Discrimination against the poor doesn&rsquo;t end here. The Public Accounts Committee of the parliament has estimated that the total outstanding loans of public sector banks &ndash; Non-Performing Assets (NPAs) &ndash; stands at Rs 6.8 lakh crores. Out of this, 70%&nbsp; belongs to the corporate sector, whereas only 1% of the defaulters are farmers. The chief economic advisor, Arvind Subramanian, has already stated that the bad debts for the corporate sector should be written-off. According to him, the capitalist economy is designed so that the bad loans of these corporates have to be waived. India Ratings has estimated that more than Rs 4 lakh crore of the NPAs will be written-off. Writing-off of such enormous amounts of bad loans for the corporate sector makes economic sense, if the chief economic advisor is to be believed. On the other hand, the chairperson of State Bank of India, Arundhati Bhattacharya, laments that writing-off the outstanding loans of farmers is bad economics &ndash; it will lead to credit indiscipline. This when of the total NPAs, farmers were responsible for only 1%.<br /><br />Much of the farm credit that is provided every year is also taken advantage of by the agribusiness companies. In the Budget 2017, finance minister Arun Jaitley had announced a farm credit of Rs 10-lakh crore. But while such a huge outlay for farm credit gives an impression of governmental concern about farmers, a study by Ram Kumar and Pallavi Chavan (from Tata Institute of Social Sciences) found that less than 8% of this actually goes to small farmers. And small farmers constitute roughly 83% of the entire farming community. Nearly 75% of the Rs 10-lakh crore farm credit is reaped by agribusiness companies and big farmers who get the advantage of 3% interest subvention. Over the years, the definition of what constitutes a farm loan has been expanded to include warehousing companies, farm implement manufacturers and other agribusiness companies.<br /><br />Please <a href="https://thewire.in/119889/banking-system-farmers-loans/" title="https://thewire.in/119889/banking-system-farmers-loans/">click here</a> to read more. <br /></div>                                                           
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    <br><a href="https://thewire.in/119889/banking-system-farmers-loans/" class="re" target="_blank">TheWire.in, 30 March, 2017, https://thewire.in/119889/banking-system-farmers-loans/</a><div class="clear"></div>
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Home हिन्दी

Does the Banking System Really Want to Help Farmers? -Devinder Sharma

Published on Mar 31, 2017   Modified on Mar 31, 2017

-TheWire.in The corporate sector is responsible for 70% of the country’s NPAs, but their loans are being waived off while waiving farming loans is still being frowned upon. The Gujarat government gave a loan of Rs 456.79 crore to the Tatas to set up the Nano plant at Sanand, near Ahmedabad. The Gujarat government has acknowledged that the massive loan was given at an interest of 0.1%, to be paid back in 20 years. In other words, this huge loan was virtually an interest free long term loan. In another case, Steel tycoon, Laxmi Narain Mittal, was given Rs 1,200 crore by the Punjab government to invest in the Bathinda refinery. He also got the loan at a 0.1% rate of interest. On the other hand, if an extremely poor woman in a village wants to buy a goat worth Rs 5,000, she goes to a micro-finance institute (MFI), which provides her a loan at an interest rate of 24% to 36% or even more. This paltry loan has to be returned at weekly intervals. This poor woman is also an entrepreneur and wants to sustain her livelihood rearing a goat, the milk of which she can sell. Millions of livelihoods can potentially be sustained if banks were to provide loans like the ones the Tatas and Mittal received, for poor entrepreneurs. Farmers, for instance – suppose they buy a tractor at an interest rate of 12%. Big entrepreneurs can buy a luxury car at an interest rate of 7%. For a farmer, a tractor is necessary to improve crop production, which directly contributes to an increase in his income. The role of mechanisation to improve farming has never been in question, but for the rich, luxury cars are more of a status symbol. Therefore why is the banking system designed to favour the rich who already have many perks, while the poor pay a higher price to sustain their livelihoods? Discrimination against the poor doesn’t end here. The Public Accounts Committee of the parliament has estimated that the total outstanding loans of public sector banks – Non-Performing Assets (NPAs) – stands at Rs 6.8 lakh crores. Out of this, 70%  belongs to the corporate sector, whereas only 1% of the defaulters are farmers. The chief economic advisor, Arvind Subramanian, has already stated that the bad debts for the corporate sector should be written-off. According to him, the capitalist economy is designed so that the bad loans of these corporates have to be waived. India Ratings has estimated that more than Rs 4 lakh crore of the NPAs will be written-off. Writing-off of such enormous amounts of bad loans for the corporate sector makes economic sense, if the chief economic advisor is to be believed. On the other hand, the chairperson of State Bank of India, Arundhati Bhattacharya, laments that writing-off the outstanding loans of farmers is bad economics – it will lead to credit indiscipline. This when of the total NPAs, farmers were responsible for only 1%. Much of the farm credit that is provided every year is also taken advantage of by the agribusiness companies. In the Budget 2017, finance minister Arun Jaitley had announced a farm credit of Rs 10-lakh crore. But while such a huge outlay for farm credit gives an impression of governmental concern about farmers, a study by Ram Kumar and Pallavi Chavan (from Tata Institute of Social Sciences) found that less than 8% of this actually goes to small farmers. And small farmers constitute roughly 83% of the entire farming community. Nearly 75% of the Rs 10-lakh crore farm credit is reaped by agribusiness companies and big farmers who get the advantage of 3% interest subvention. Over the years, the definition of what constitutes a farm loan has been expanded to include warehousing companies, farm implement manufacturers and other agribusiness companies. Please click here to read more.

TheWire.in, 30 March, 2017, https://thewire.in/119889/banking-system-farmers-loans/

Tagged with: Loan Waiver Debt Burden Debt Relief debt waiver scheme Farm Credit Farm Debt Farm Loans Farmers farming

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