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);

    }
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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
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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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
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);

    }
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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
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')) {

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		&#039;title&#039; =&gt; &#039;Ending the debt-suicide cycle in Telangana -B Yerram Raju&#039;,
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-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &amp;mdash; none of which hit water &amp;mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.&lt;br /&gt;
&lt;br /&gt;
Other cases in Medak, Mahabubnagar, Adilabad are similar &amp;mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;Despite the Acts&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &amp;mdash; of course, far fewer in number &amp;mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.&lt;br /&gt;
&lt;br /&gt;
Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.&lt;br /&gt;
&lt;br /&gt;
The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.&lt;br /&gt;
&lt;br /&gt;
The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.&lt;br /&gt;
&lt;br /&gt;
None of these Acts has a track record of implementation. Why can&amp;rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;A good example&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &amp;ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&amp;rdquo;.&lt;br /&gt;
&lt;br /&gt;
The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.&lt;br /&gt;
&lt;br /&gt;
A nominal court fee of ₹100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&amp;rsquo; suicides.&lt;br /&gt;
&lt;br /&gt;
When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.&lt;br /&gt;
&lt;br /&gt;
If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.&lt;br /&gt;
&lt;em&gt;&lt;br /&gt;
The writer is an economist and member of the board of trustees, Farm &amp;amp; Rural Science Foundation, Hyderabad&lt;/em&gt;
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 20 September, 2015, http://m.thehindubusinessline.com/opinion/ending-the-debtsuicide-cycle-in-telangana/article7671053.ece&#039;,
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-The Hindu Business Line

Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &amp;mdash; none of which hit water &amp;mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.&lt;br /&gt;&lt;br /&gt;Other cases in Medak, Mahabubnagar, Adilabad are similar &amp;mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!&lt;br /&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&lt;em&gt;Despite the Acts&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &amp;mdash; of course, far fewer in number &amp;mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.&lt;br /&gt;&lt;br /&gt;Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.&lt;br /&gt;&lt;br /&gt;The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.&lt;br /&gt;&lt;br /&gt;The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.&lt;br /&gt;&lt;br /&gt;None of these Acts has a track record of implementation. Why can&amp;rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?&lt;br /&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&lt;em&gt;A good example&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &amp;ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&amp;rdquo;.&lt;br /&gt;&lt;br /&gt;The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.&lt;br /&gt;&lt;br /&gt;A nominal court fee of 100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&amp;rsquo; suicides.&lt;br /&gt;&lt;br /&gt;When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.&lt;br /&gt;&lt;br /&gt;If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.&lt;br /&gt;&lt;em&gt;&lt;br /&gt;The writer is an economist and member of the board of trustees, Farm &amp;amp; Rural Science Foundation, Hyderabad&lt;/em&gt;&lt;/div&gt;&#039;,
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	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &amp;mdash; none of which hit water &amp;mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.&lt;br /&gt;
&lt;br /&gt;
Other cases in Medak, Mahabubnagar, Adilabad are similar &amp;mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;Despite the Acts&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &amp;mdash; of course, far fewer in number &amp;mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.&lt;br /&gt;
&lt;br /&gt;
Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.&lt;br /&gt;
&lt;br /&gt;
The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.&lt;br /&gt;
&lt;br /&gt;
The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.&lt;br /&gt;
&lt;br /&gt;
None of these Acts has a track record of implementation. Why can&amp;rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;A good example&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &amp;ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&amp;rdquo;.&lt;br /&gt;
&lt;br /&gt;
The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.&lt;br /&gt;
&lt;br /&gt;
A nominal court fee of ₹100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&amp;rsquo; suicides.&lt;br /&gt;
&lt;br /&gt;
When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.&lt;br /&gt;
&lt;br /&gt;
If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.&lt;br /&gt;
&lt;em&gt;&lt;br /&gt;
The writer is an economist and member of the board of trustees, Farm &amp;amp; Rural Science Foundation, Hyderabad&lt;/em&gt;
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 20 September, 2015, http://m.thehindubusinessline.com/opinion/ending-the-debtsuicide-cycle-in-telangana/article7671053.ece&#039;,
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-The Hindu Business Line

Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm...&#039;
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-The Hindu Business Line

Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm..."/>
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                <strong>Ending the debt-suicide cycle in Telangana -B Yerram Raju</strong></h1>
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                <div align="justify">-The Hindu Business Line<br /><br /><em>Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.<br /></em><br />An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &mdash; none of which hit water &mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.<br /><br />Other cases in Medak, Mahabubnagar, Adilabad are similar &mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!<br /></div><div align="justify">&nbsp;</div><div align="justify"><em>Despite the Acts<br /></em><br />In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &mdash; of course, far fewer in number &mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.<br /><br />Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.<br /><br />The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.<br /><br />The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.<br /><br />None of these Acts has a track record of implementation. Why can&rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?<br /></div><div align="justify">&nbsp;</div><div align="justify"><em>A good example<br /></em><br />The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&rdquo;.<br /><br />The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.<br /><br />A nominal court fee of 100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&rsquo; suicides.<br /><br />When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.<br /><br />If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.<br /><em><br />The writer is an economist and member of the board of trustees, Farm &amp; Rural Science Foundation, Hyderabad</em></div>               </font>
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		&#039;title&#039; =&gt; &#039;Ending the debt-suicide cycle in Telangana -B Yerram Raju&#039;,
		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &amp;mdash; none of which hit water &amp;mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.&lt;br /&gt;
&lt;br /&gt;
Other cases in Medak, Mahabubnagar, Adilabad are similar &amp;mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;Despite the Acts&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &amp;mdash; of course, far fewer in number &amp;mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.&lt;br /&gt;
&lt;br /&gt;
Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.&lt;br /&gt;
&lt;br /&gt;
The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.&lt;br /&gt;
&lt;br /&gt;
The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.&lt;br /&gt;
&lt;br /&gt;
None of these Acts has a track record of implementation. Why can&amp;rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;A good example&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &amp;ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&amp;rdquo;.&lt;br /&gt;
&lt;br /&gt;
The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.&lt;br /&gt;
&lt;br /&gt;
A nominal court fee of ₹100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&amp;rsquo; suicides.&lt;br /&gt;
&lt;br /&gt;
When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.&lt;br /&gt;
&lt;br /&gt;
If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.&lt;br /&gt;
&lt;em&gt;&lt;br /&gt;
The writer is an economist and member of the board of trustees, Farm &amp;amp; Rural Science Foundation, Hyderabad&lt;/em&gt;
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 20 September, 2015, http://m.thehindubusinessline.com/opinion/ending-the-debtsuicide-cycle-in-telangana/article7671053.ece&#039;,
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-The Hindu Business Line

Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &amp;mdash; none of which hit water &amp;mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.&lt;br /&gt;&lt;br /&gt;Other cases in Medak, Mahabubnagar, Adilabad are similar &amp;mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!&lt;br /&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&lt;em&gt;Despite the Acts&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &amp;mdash; of course, far fewer in number &amp;mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.&lt;br /&gt;&lt;br /&gt;Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.&lt;br /&gt;&lt;br /&gt;The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.&lt;br /&gt;&lt;br /&gt;The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.&lt;br /&gt;&lt;br /&gt;None of these Acts has a track record of implementation. Why can&amp;rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?&lt;br /&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&lt;em&gt;A good example&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &amp;ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&amp;rdquo;.&lt;br /&gt;&lt;br /&gt;The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.&lt;br /&gt;&lt;br /&gt;A nominal court fee of 100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&amp;rsquo; suicides.&lt;br /&gt;&lt;br /&gt;When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.&lt;br /&gt;&lt;br /&gt;If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.&lt;br /&gt;&lt;em&gt;&lt;br /&gt;The writer is an economist and member of the board of trustees, Farm &amp;amp; Rural Science Foundation, Hyderabad&lt;/em&gt;&lt;/div&gt;&#039;,
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	&#039;title&#039; =&gt; &#039;Ending the debt-suicide cycle in Telangana -B Yerram Raju&#039;,
	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &amp;mdash; none of which hit water &amp;mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.&lt;br /&gt;
&lt;br /&gt;
Other cases in Medak, Mahabubnagar, Adilabad are similar &amp;mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;Despite the Acts&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &amp;mdash; of course, far fewer in number &amp;mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.&lt;br /&gt;
&lt;br /&gt;
Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.&lt;br /&gt;
&lt;br /&gt;
The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.&lt;br /&gt;
&lt;br /&gt;
The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.&lt;br /&gt;
&lt;br /&gt;
None of these Acts has a track record of implementation. Why can&amp;rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;A good example&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &amp;ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&amp;rdquo;.&lt;br /&gt;
&lt;br /&gt;
The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.&lt;br /&gt;
&lt;br /&gt;
A nominal court fee of ₹100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&amp;rsquo; suicides.&lt;br /&gt;
&lt;br /&gt;
When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.&lt;br /&gt;
&lt;br /&gt;
If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.&lt;br /&gt;
&lt;em&gt;&lt;br /&gt;
The writer is an economist and member of the board of trustees, Farm &amp;amp; Rural Science Foundation, Hyderabad&lt;/em&gt;
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 20 September, 2015, http://m.thehindubusinessline.com/opinion/ending-the-debtsuicide-cycle-in-telangana/article7671053.ece&#039;,
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-The Hindu Business Line

Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm...&#039;
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Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm..."/>
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                <strong>Ending the debt-suicide cycle in Telangana -B Yerram Raju</strong></h1>
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                <div align="justify">-The Hindu Business Line<br /><br /><em>Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.<br /></em><br />An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &mdash; none of which hit water &mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.<br /><br />Other cases in Medak, Mahabubnagar, Adilabad are similar &mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!<br /></div><div align="justify">&nbsp;</div><div align="justify"><em>Despite the Acts<br /></em><br />In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &mdash; of course, far fewer in number &mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.<br /><br />Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.<br /><br />The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.<br /><br />The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.<br /><br />None of these Acts has a track record of implementation. Why can&rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?<br /></div><div align="justify">&nbsp;</div><div align="justify"><em>A good example<br /></em><br />The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&rdquo;.<br /><br />The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.<br /><br />A nominal court fee of 100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&rsquo; suicides.<br /><br />When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.<br /><br />If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.<br /><em><br />The writer is an economist and member of the board of trustees, Farm &amp; Rural Science Foundation, Hyderabad</em></div>               </font>
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		&#039;title&#039; =&gt; &#039;Ending the debt-suicide cycle in Telangana -B Yerram Raju&#039;,
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-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &amp;mdash; none of which hit water &amp;mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.&lt;br /&gt;
&lt;br /&gt;
Other cases in Medak, Mahabubnagar, Adilabad are similar &amp;mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;Despite the Acts&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &amp;mdash; of course, far fewer in number &amp;mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.&lt;br /&gt;
&lt;br /&gt;
Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.&lt;br /&gt;
&lt;br /&gt;
The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.&lt;br /&gt;
&lt;br /&gt;
The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.&lt;br /&gt;
&lt;br /&gt;
None of these Acts has a track record of implementation. Why can&amp;rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;A good example&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &amp;ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&amp;rdquo;.&lt;br /&gt;
&lt;br /&gt;
The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.&lt;br /&gt;
&lt;br /&gt;
A nominal court fee of ₹100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&amp;rsquo; suicides.&lt;br /&gt;
&lt;br /&gt;
When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.&lt;br /&gt;
&lt;br /&gt;
If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.&lt;br /&gt;
&lt;em&gt;&lt;br /&gt;
The writer is an economist and member of the board of trustees, Farm &amp;amp; Rural Science Foundation, Hyderabad&lt;/em&gt;
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 20 September, 2015, http://m.thehindubusinessline.com/opinion/ending-the-debtsuicide-cycle-in-telangana/article7671053.ece&#039;,
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-The Hindu Business Line

Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &amp;mdash; none of which hit water &amp;mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.&lt;br /&gt;&lt;br /&gt;Other cases in Medak, Mahabubnagar, Adilabad are similar &amp;mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!&lt;br /&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&lt;em&gt;Despite the Acts&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &amp;mdash; of course, far fewer in number &amp;mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.&lt;br /&gt;&lt;br /&gt;Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.&lt;br /&gt;&lt;br /&gt;The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.&lt;br /&gt;&lt;br /&gt;The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.&lt;br /&gt;&lt;br /&gt;None of these Acts has a track record of implementation. Why can&amp;rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?&lt;br /&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&lt;em&gt;A good example&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &amp;ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&amp;rdquo;.&lt;br /&gt;&lt;br /&gt;The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.&lt;br /&gt;&lt;br /&gt;A nominal court fee of 100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&amp;rsquo; suicides.&lt;br /&gt;&lt;br /&gt;When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.&lt;br /&gt;&lt;br /&gt;If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.&lt;br /&gt;&lt;em&gt;&lt;br /&gt;The writer is an economist and member of the board of trustees, Farm &amp;amp; Rural Science Foundation, Hyderabad&lt;/em&gt;&lt;/div&gt;&#039;,
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	&#039;subheading&#039; =&gt; &#039;&#039;,
	&#039;description&#039; =&gt; &#039;&lt;div align=&quot;justify&quot;&gt;
-The Hindu Business Line&lt;br /&gt;
&lt;br /&gt;
&lt;em&gt;Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &amp;mdash; none of which hit water &amp;mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.&lt;br /&gt;
&lt;br /&gt;
Other cases in Medak, Mahabubnagar, Adilabad are similar &amp;mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;Despite the Acts&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &amp;mdash; of course, far fewer in number &amp;mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.&lt;br /&gt;
&lt;br /&gt;
Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.&lt;br /&gt;
&lt;br /&gt;
The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.&lt;br /&gt;
&lt;br /&gt;
The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.&lt;br /&gt;
&lt;br /&gt;
None of these Acts has a track record of implementation. Why can&amp;rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?&lt;br /&gt;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&amp;nbsp;
&lt;/div&gt;
&lt;div align=&quot;justify&quot;&gt;
&lt;em&gt;A good example&lt;br /&gt;
&lt;/em&gt;&lt;br /&gt;
The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &amp;ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&amp;rdquo;.&lt;br /&gt;
&lt;br /&gt;
The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.&lt;br /&gt;
&lt;br /&gt;
A nominal court fee of ₹100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&amp;rsquo; suicides.&lt;br /&gt;
&lt;br /&gt;
When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.&lt;br /&gt;
&lt;br /&gt;
If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.&lt;br /&gt;
&lt;em&gt;&lt;br /&gt;
The writer is an economist and member of the board of trustees, Farm &amp;amp; Rural Science Foundation, Hyderabad&lt;/em&gt;
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Hindu Business Line, 20 September, 2015, http://m.thehindubusinessline.com/opinion/ending-the-debtsuicide-cycle-in-telangana/article7671053.ece&#039;,
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-The Hindu Business Line

Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm...&#039;
$disp = &#039;&lt;div align=&quot;justify&quot;&gt;-The Hindu Business Line&lt;br /&gt;&lt;br /&gt;&lt;em&gt;Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &amp;lsquo;suicides&amp;rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &amp;mdash; none of which hit water &amp;mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.&lt;br /&gt;&lt;br /&gt;Other cases in Medak, Mahabubnagar, Adilabad are similar &amp;mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!&lt;br /&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&lt;em&gt;Despite the Acts&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &amp;mdash; of course, far fewer in number &amp;mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.&lt;br /&gt;&lt;br /&gt;Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.&lt;br /&gt;&lt;br /&gt;The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.&lt;br /&gt;&lt;br /&gt;The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.&lt;br /&gt;&lt;br /&gt;None of these Acts has a track record of implementation. Why can&amp;rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?&lt;br /&gt;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&amp;nbsp;&lt;/div&gt;&lt;div align=&quot;justify&quot;&gt;&lt;em&gt;A good example&lt;br /&gt;&lt;/em&gt;&lt;br /&gt;The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &amp;ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&amp;rdquo;.&lt;br /&gt;&lt;br /&gt;The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.&lt;br /&gt;&lt;br /&gt;A nominal court fee of 100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&amp;rsquo; suicides.&lt;br /&gt;&lt;br /&gt;When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.&lt;br /&gt;&lt;br /&gt;If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.&lt;br /&gt;&lt;em&gt;&lt;br /&gt;The writer is an economist and member of the board of trustees, Farm &amp;amp; Rural Science Foundation, Hyderabad&lt;/em&gt;&lt;/div&gt;&#039;
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-The Hindu Business Line

Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm..."/>
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                <strong>Ending the debt-suicide cycle in Telangana -B Yerram Raju</strong></h1>
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                <div align="justify">-The Hindu Business Line<br /><br /><em>Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.<br /></em><br />An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &mdash; none of which hit water &mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.<br /><br />Other cases in Medak, Mahabubnagar, Adilabad are similar &mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!<br /></div><div align="justify">&nbsp;</div><div align="justify"><em>Despite the Acts<br /></em><br />In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &mdash; of course, far fewer in number &mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.<br /><br />Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.<br /><br />The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.<br /><br />The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.<br /><br />None of these Acts has a track record of implementation. Why can&rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?<br /></div><div align="justify">&nbsp;</div><div align="justify"><em>A good example<br /></em><br />The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&rdquo;.<br /><br />The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.<br /><br />A nominal court fee of 100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&rsquo; suicides.<br /><br />When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.<br /><br />If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.<br /><em><br />The writer is an economist and member of the board of trustees, Farm &amp; Rural Science Foundation, Hyderabad</em></div>               </font>
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-The Hindu Business Line<br />
<br />
<em>Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.<br />
</em><br />
An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &mdash; none of which hit water &mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.<br />
<br />
Other cases in Medak, Mahabubnagar, Adilabad are similar &mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!<br />
</div>
<div align="justify">
&nbsp;
</div>
<div align="justify">
<em>Despite the Acts<br />
</em><br />
In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &mdash; of course, far fewer in number &mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.<br />
<br />
Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.<br />
<br />
The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.<br />
<br />
The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.<br />
<br />
None of these Acts has a track record of implementation. Why can&rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?<br />
</div>
<div align="justify">
&nbsp;
</div>
<div align="justify">
<em>A good example<br />
</em><br />
The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&rdquo;.<br />
<br />
The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.<br />
<br />
A nominal court fee of ₹100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&rsquo; suicides.<br />
<br />
When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.<br />
<br />
If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.<br />
<em><br />
The writer is an economist and member of the board of trustees, Farm &amp; Rural Science Foundation, Hyderabad</em>
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-The Hindu Business Line

Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm...',
	'disp' => '<div align="justify">-The Hindu Business Line<br /><br /><em>Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.<br /></em><br />An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &mdash; none of which hit water &mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.<br /><br />Other cases in Medak, Mahabubnagar, Adilabad are similar &mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!<br /></div><div align="justify">&nbsp;</div><div align="justify"><em>Despite the Acts<br /></em><br />In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &mdash; of course, far fewer in number &mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.<br /><br />Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.<br /><br />The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.<br /><br />The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.<br /><br />None of these Acts has a track record of implementation. Why can&rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?<br /></div><div align="justify">&nbsp;</div><div align="justify"><em>A good example<br /></em><br />The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&rdquo;.<br /><br />The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.<br /><br />A nominal court fee of 100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&rsquo; suicides.<br /><br />When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.<br /><br />If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.<br /><em><br />The writer is an economist and member of the board of trustees, Farm &amp; Rural Science Foundation, Hyderabad</em></div>',
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	'title' => 'Ending the debt-suicide cycle in Telangana -B Yerram Raju',
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-The Hindu Business Line<br />
<br />
<em>Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.<br />
</em><br />
An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &mdash; none of which hit water &mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.<br />
<br />
Other cases in Medak, Mahabubnagar, Adilabad are similar &mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!<br />
</div>
<div align="justify">
&nbsp;
</div>
<div align="justify">
<em>Despite the Acts<br />
</em><br />
In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &mdash; of course, far fewer in number &mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.<br />
<br />
Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.<br />
<br />
The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.<br />
<br />
The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.<br />
<br />
None of these Acts has a track record of implementation. Why can&rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?<br />
</div>
<div align="justify">
&nbsp;
</div>
<div align="justify">
<em>A good example<br />
</em><br />
The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&rdquo;.<br />
<br />
The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.<br />
<br />
A nominal court fee of ₹100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&rsquo; suicides.<br />
<br />
When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.<br />
<br />
If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.<br />
<em><br />
The writer is an economist and member of the board of trustees, Farm &amp; Rural Science Foundation, Hyderabad</em>
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$metaTitle = 'LATEST NEWS UPDATES | Ending the debt-suicide cycle in Telangana -B Yerram Raju'
$metaKeywords = 'Farm Debt,Farm Distress,Debt,Debt Burden,rural distress,agrarian crisis'
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-The Hindu Business Line

Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm...'
$disp = '<div align="justify">-The Hindu Business Line<br /><br /><em>Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer &lsquo;suicides&rsquo; in the State. The unofficial number of suicides attributed to farm families is 1,152.<br /></em><br />An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells &mdash; none of which hit water &mdash; incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide.<br /><br />Other cases in Medak, Mahabubnagar, Adilabad are similar &mdash; farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!<br /></div><div align="justify">&nbsp;</div><div align="justify"><em>Despite the Acts<br /></em><br />In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide &mdash; of course, far fewer in number &mdash; the government quickly enacted a legislation to kill the debt and allow the borrower to live.<br /><br />Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences.<br /><br />The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957.<br /><br />The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs.<br /><br />None of these Acts has a track record of implementation. Why can&rsquo;t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?<br /></div><div align="justify">&nbsp;</div><div align="justify"><em>A good example<br /></em><br />The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender &ldquo;molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees&rdquo;.<br /><br />The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him.<br /><br />A nominal court fee of 100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers&rsquo; suicides.<br /><br />When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures.<br /><br />If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers.<br /><em><br />The writer is an economist and member of the board of trustees, Farm &amp; Rural Science Foundation, Hyderabad</em></div>'
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Ending the debt-suicide cycle in Telangana -B Yerram Raju

-The Hindu Business Line Recently, the Telangana Agricultural Advisory Forum, consisting of a few university professors and scientists, deliberated on the causes and consequences of the drought and farmer ‘suicides’ in the State. The unofficial number of suicides attributed to farm families is 1,152. An inquiry into some of the recent suicides reveals an interesting picture. The farmers were not indebted to cooperative credit societies or commercial banks. The case of a farmer in Nalgonda district is typical. He took on lease ten acres of land, dug five bore wells — none of which hit water — incurring huge private debt in the process. On top of this, he cultivated cotton. The crop failed without water, and the debts pushed him to suicide. Other cases in Medak, Mahabubnagar, Adilabad are similar — farmers went in for crops unsuitable to the soil, or dug bore wells in areas declared as grey by the groundwater department. There were no agricultural extension workers to stop small farmers from carrying out unworkable plans. While this can be just one of the reasons, farmers were also not lending their ears even where advice was available. They were hell-bent on growing cotton or other cash crops as they felt their huge debt would be wiped out if the crop came up!   Despite the Acts In the past, when borrowers from microfinance institutions (MFIs), burdened by the huge interest and coercive recoveries, committed suicide — of course, far fewer in number — the government quickly enacted a legislation to kill the debt and allow the borrower to live. Those MFIs took four years to put their houses in order and some of them are now chasing payment bank or small bank licences. The following laws are in place as on the date of the State Reorganisation: 1. the Andhra Pradesh (Telangana Area) Money Lenders Act, 1349 Fasl; 2. the Andhra Pradesh (Andhra Area) Pawn Brokers Act, 1943; 3. the Andhra Pradesh (Scheduled Areas) Money Lenders Regulation 1960; and 4. rhe Andhra Pradesh (Andhra Area) Money Lenders Act, 1957. The permissible rates of interest vary from 6 per cent per annum on pledge and secured loans, to 12 per cent on unsecured loans. Commercial banks and cooperative banks, both rural and urban, are exempt from the application of these laws on the money they lend to farmers or entrepreneurs. None of these Acts has a track record of implementation. Why can’t the Telangana and Andhra Pradesh governments pass new legislation, treating the usurious loans contracted by the farmer from private moneylenders as illegal with a threshold year of, say, 2012, the same as in Kerala?   A good example The Kerala Prohibition of Charging Exorbitant Interest Bill, 2012, specifically prohibits charging exorbitant interest; if the lender “molests or abets the molestation of any debtor for recovery of any loan shall, on conviction, be punished with imprisonment for a term which may extend to three years and also with fine, which may extend to fifty thousand rupees”. The Kerala Act also allows for restoration of the property that has been forcefully acquired by the creditor towards the dues to him. A nominal court fee of 100 has been prescribed for a petition under the Act. After this Act came to be implemented, Kerala has distanced itself from farmers’ suicides. When the problem lies in private debt, input supply, institutional credit on easier terms and ready access, and assured price at the right time to the farmer on sale into his account are essential measures. If the Telangana government is hesitating to do what Kerala has done, it could be because private moneylenders are politically powerful. No party fighting the cause of farmers is demanding such action. It is time to call a spade a spade and enact a powerful law to prevent suicides of farmers. The writer is an economist and member of the board of trustees, Farm & Rural Science Foundation, Hyderabad