Unfortunately, most of the so called marginal and small farmers turn out to be rich benami landlords and agriculture land owners who took agriculture loans and invested them somewhere else. My brother-in-law is a rural Bank officer and he tells me how these loans are abused with active connivance of politicians, local leaders and corrupt bank employees. There is very little anyone can do to control this corruption. If the Govt. really wants to help poor farmers, they should get free seeds, subsidised machinery, free soil testing, free education and counselling, free fertilizer, free pesticides and such. Forgiving loans is just a cheap election gimmick.
