Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

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


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
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 97
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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                            <div align="justify">-Livemint.com<br /><br /><em>All recent reforms mooted on farm credit do not address the needs of farmers for whom formal credit doors are shut </em><br /><br />Farm distress has been a sadly persistent feature for the past five years, the initial two years on account of failed rains, but in the last three years because of policy failure on a number of fronts, including, most visibly, unremunerative prices for farm produce. That it shapes electoral outcomes has also been known since, at least, the Gujarat elections. But what is new with the recent five state elections is that a particular palliative, farm loan waivers, is now seen as a necessary promise for electoral victory. There are some curious features to this.<br /><br />A useful parallel to recall is the common practice 10-15 years ago, when electoral manifestos for state elections routinely promised to do away with property taxes. That crippled the ability of urban municipalities to collect the only tax that falls within their fiscal domain, and was a major factor underlying urban decay. The 13th finance commission curbed this practice by requiring that states enact irreversible rights of levy of the property tax for municipalities within their jurisdictions, in order to qualify for receipt of local government grants from the centre. That then forced political parties to think through the promise of property tax repeal, and to recognize that it only benefited a small class even within the urban sector, which actually owned property. The electoral gains of such a promise were clearly insignificant. Today, property tax repeal is absent from electoral manifestos.<br /><br />A farm loan waiver similarly benefits only farmers who have access to formal credit, by virtue of having the necessary ownership documents&mdash;commonly estimated at 30% of farmers (varying across states). So, a waiver becomes a further benefit accorded to a minority that had privileged access to a bank loan in the first place. The privilege accrues from the massive interest rate differential between formal and informal credit. <br /><br />Please <a href="https://www.livemint.com/Opinion/f1FYxS1gjQkk8Tv17MPfwK/Opinion--Will-farm-loan-waiver-go-the-way-of-the-property-t.html" title="https://www.livemint.com/Opinion/f1FYxS1gjQkk8Tv17MPfwK/Opinion--Will-farm-loan-waiver-go-the-way-of-the-property-t.html">click here</a> to read more. <br /></div>                                                           
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                            <div align="justify">-Livemint.com<br /><br /><em>All recent reforms mooted on farm credit do not address the needs of farmers for whom formal credit doors are shut </em><br /><br />Farm distress has been a sadly persistent feature for the past five years, the initial two years on account of failed rains, but in the last three years because of policy failure on a number of fronts, including, most visibly, unremunerative prices for farm produce. That it shapes electoral outcomes has also been known since, at least, the Gujarat elections. But what is new with the recent five state elections is that a particular palliative, farm loan waivers, is now seen as a necessary promise for electoral victory. There are some curious features to this.<br /><br />A useful parallel to recall is the common practice 10-15 years ago, when electoral manifestos for state elections routinely promised to do away with property taxes. That crippled the ability of urban municipalities to collect the only tax that falls within their fiscal domain, and was a major factor underlying urban decay. The 13th finance commission curbed this practice by requiring that states enact irreversible rights of levy of the property tax for municipalities within their jurisdictions, in order to qualify for receipt of local government grants from the centre. That then forced political parties to think through the promise of property tax repeal, and to recognize that it only benefited a small class even within the urban sector, which actually owned property. The electoral gains of such a promise were clearly insignificant. Today, property tax repeal is absent from electoral manifestos.<br /><br />A farm loan waiver similarly benefits only farmers who have access to formal credit, by virtue of having the necessary ownership documents&mdash;commonly estimated at 30% of farmers (varying across states). So, a waiver becomes a further benefit accorded to a minority that had privileged access to a bank loan in the first place. The privilege accrues from the massive interest rate differential between formal and informal credit. <br /><br />Please <a href="https://www.livemint.com/Opinion/f1FYxS1gjQkk8Tv17MPfwK/Opinion--Will-farm-loan-waiver-go-the-way-of-the-property-t.html" title="https://www.livemint.com/Opinion/f1FYxS1gjQkk8Tv17MPfwK/Opinion--Will-farm-loan-waiver-go-the-way-of-the-property-t.html">click here</a> to read more. <br /></div>                                                           
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All recent reforms mooted on farm credit do not address the needs of farmers for whom formal credit doors are shut 

Farm distress has been a sadly persistent feature for the past five years, the initial two years on account..." />
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    <h1 class="cat-box-title">Will farm loan waiver go the way of the property tax repeal? -Indira Rajaraman</h1>
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                            <div align="justify">-Livemint.com<br /><br /><em>All recent reforms mooted on farm credit do not address the needs of farmers for whom formal credit doors are shut </em><br /><br />Farm distress has been a sadly persistent feature for the past five years, the initial two years on account of failed rains, but in the last three years because of policy failure on a number of fronts, including, most visibly, unremunerative prices for farm produce. That it shapes electoral outcomes has also been known since, at least, the Gujarat elections. But what is new with the recent five state elections is that a particular palliative, farm loan waivers, is now seen as a necessary promise for electoral victory. There are some curious features to this.<br /><br />A useful parallel to recall is the common practice 10-15 years ago, when electoral manifestos for state elections routinely promised to do away with property taxes. That crippled the ability of urban municipalities to collect the only tax that falls within their fiscal domain, and was a major factor underlying urban decay. The 13th finance commission curbed this practice by requiring that states enact irreversible rights of levy of the property tax for municipalities within their jurisdictions, in order to qualify for receipt of local government grants from the centre. That then forced political parties to think through the promise of property tax repeal, and to recognize that it only benefited a small class even within the urban sector, which actually owned property. The electoral gains of such a promise were clearly insignificant. Today, property tax repeal is absent from electoral manifestos.<br /><br />A farm loan waiver similarly benefits only farmers who have access to formal credit, by virtue of having the necessary ownership documents&mdash;commonly estimated at 30% of farmers (varying across states). So, a waiver becomes a further benefit accorded to a minority that had privileged access to a bank loan in the first place. The privilege accrues from the massive interest rate differential between formal and informal credit. <br /><br />Please <a href="https://www.livemint.com/Opinion/f1FYxS1gjQkk8Tv17MPfwK/Opinion--Will-farm-loan-waiver-go-the-way-of-the-property-t.html" title="https://www.livemint.com/Opinion/f1FYxS1gjQkk8Tv17MPfwK/Opinion--Will-farm-loan-waiver-go-the-way-of-the-property-t.html">click here</a> to read more. <br /></div>                                                           
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    <br><a href="https://www.livemint.com/Opinion/f1FYxS1gjQkk8Tv17MPfwK/Opinion--Will-farm-loan-waiver-go-the-way-of-the-property-t.html" class="re" target="_blank">Livemint.com, 4 January, 2019, https://www.livemint.com/Opinion/f1FYxS1gjQkk8Tv17MPfwK/Opinion--Will-farm-loan-waiver-go-the-way-of-the-property-t.html</a><div class="clear"></div>
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Home हिन्दी

Will farm loan waiver go the way of the property tax repeal? -Indira Rajaraman

Published on Jan 4, 2019   Modified on Jan 4, 2019

-Livemint.com All recent reforms mooted on farm credit do not address the needs of farmers for whom formal credit doors are shut Farm distress has been a sadly persistent feature for the past five years, the initial two years on account of failed rains, but in the last three years because of policy failure on a number of fronts, including, most visibly, unremunerative prices for farm produce. That it shapes electoral outcomes has also been known since, at least, the Gujarat elections. But what is new with the recent five state elections is that a particular palliative, farm loan waivers, is now seen as a necessary promise for electoral victory. There are some curious features to this. A useful parallel to recall is the common practice 10-15 years ago, when electoral manifestos for state elections routinely promised to do away with property taxes. That crippled the ability of urban municipalities to collect the only tax that falls within their fiscal domain, and was a major factor underlying urban decay. The 13th finance commission curbed this practice by requiring that states enact irreversible rights of levy of the property tax for municipalities within their jurisdictions, in order to qualify for receipt of local government grants from the centre. That then forced political parties to think through the promise of property tax repeal, and to recognize that it only benefited a small class even within the urban sector, which actually owned property. The electoral gains of such a promise were clearly insignificant. Today, property tax repeal is absent from electoral manifestos. A farm loan waiver similarly benefits only farmers who have access to formal credit, by virtue of having the necessary ownership documents—commonly estimated at 30% of farmers (varying across states). So, a waiver becomes a further benefit accorded to a minority that had privileged access to a bank loan in the first place. The privilege accrues from the massive interest rate differential between formal and informal credit. Please click here to read more.

Livemint.com, 4 January, 2019, https://www.livemint.com/Opinion/f1FYxS1gjQkk8Tv17MPfwK/Opinion--Will-farm-loan-waiver-go-the-way-of-the-property-t.html

Tagged with: Debt Relief Debt Burden Loan Waiver Small and Marginal Farmers Tenant Farmers Access to credit debt waiver scheme patwari

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• Are Loan Waivers Not 'Freebies' to Corporates, Asks DMK In Application Before SC

 

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