The writer's doubt on NABARD's Fund Distribution under Micro-Credit Policy of RBI or Govt. of India, very suspect, due to in-efficient Management as well retarded fore-sight on Indian Agriculture Policy.
Banker's or thier employee's get thier salary at the end of 30 days; whether they distribute or not the loan under micro-credit or any other credit programme.
The Blame is on in-efficient policy implementation and plan execution.
The Fate of the poor and the marginalized would not change even in next century, if these attitude continue.