“If the Indian leaders had listened to the inner Voice of the Mahatma,
that Indian farmers would never have committed suicide?”
My dear Ezine readers encouraged by your response, today I am looking at the negative effects of the MM-PC Banks Loan Debt Scheme which has already sent over 3000 farmers to the gallows. The unfortunate farmers never realized that the dreamy creamy coatings of bank loans were nothing more than election gimmicks. Bank officials never informed poor farmers about the implications of mortgaging their properties before sanctioning and releasing the loans. Government of India when unable to repay the high yields on the loans willingly embraced death, thus saving their families from the humiliations of the dirty-eyed world of government hawks.
The concept of Debt Loan Economy (DLE) of the United States of America introduced among the poor farmers, peasants and students in India by the MM-PC-MS trio in all spheres of life has completely ruined the happy family life and way of life of the Indians. In one of my interactive surveys with more than 40 students, who have taken loans ranging from Rs 30,000 to more than Rs 1,75,000 to cover the unwanted high cost of higher education, they have revealed a very amazing foundation. A; eight students almost 25% after completing the studies have developed primary hypertension in the concern of how to repay the loan, two 25 students almost 62.5% have revealed totally insecure and unbalanced life concerns of generating repayment in a labor market every increasingly insecure, three two students 5% could not repay the loan, so their parents, poor farmers who mortgaged their land, ran from pole to pole to save the auction, four 5 students. 12.5% were more or less comfortable with the loan payments, but these students were sound. gardens. The DLE has brought so many concerns to all sectors of society that the average life of these people has been reduced by almost five to ten years.
Why should a government run on DLE while all the resources go to its citizens? Why should citizens pay for higher education while the Government fails to fulfill the mandatory basic duty to provide education? What else does a professor from Indian Institute of Technology (IIT) and Indian Institute of Management (IIM) teach for students to pay 80,000-1,25,000 rupees? The entire education network, currently, has been configured. in non-professional ethics based on the materialistic approach of the West. The growing educational institutions of every Tom, Dickens and Harry in every nook and corner of the country are booming as lucrative industries. The materialistically oriented educational philosophy of the current government only speaks to the depth with which Western values have been embedded in the Indian moral and social education system of Rishies (Sages) and Saints. At no time do I feel that the situation that the current government has created in the country is unjustified if we manage our natural and agricultural resources well.
Most readers would agree with me that Indian farmers can feed half of the Asian continent as long as they are given enough resources. Why the government should import 30 Lakhs tons of wheat close to harvest season speaks to the myopic view of our leadership? I see no reason for such a vague decision. Regardless, Indian farmers are once again in the hands of the looting business community. The amount of losses that each farmer suffers due to the late harvest of sugarcane cannot be imagined? Trucks, tractors and hundreds of thousands of oxcarts loaded with sugarcane are stuck daily around sugarcane weighing centers at the mercy of government employees. Poor small farmers get up after midnight, load up their carts or carts and rush to the weighing centers to line up before dawn to keep waiting for employees to arrive after 9 am This is the agony of the Indian farmer and when the clerk weighed, he weighed at least two to five hundredweight less. He works harder but receives less and is cheated everywhere by corrupt official systems. After interacting with one such employee whose meager salary was only Rs 3,000 to 6,000 per month, he had amassed property worth more than Rs 5 crores. The same story is repeated with the poor farmer at the end of each harvest season.
Why should a farmer ask for a loan? I’m just not sold on this DLE trio concept. It is just to argue to your Western economists that various governments are blatantly involved in writing vague, myopic and unsustainable economic policies. Why should the cost of fertilizer be increased so that a 50 kg bag of urea costs more than Rs 300? Why should seed cost Rs 1,000-10,000 per kg? Why and why? I see no reason to raise prices so much. The cultivation cycle of small farmers on the Asian continent is barely enough to meet the minimum requirements of their small family standards. Why should diesel cost more than 40 rupees a liter while milk costs less than 10 rupees to farmers? The real beneficiaries of the rising cost of milk are not the poor farmers but the middlemen who can once again steal the general profit.
I suggest that governments, instead of relying on DLE, should follow my economic concept of the Direct Crop Rotation Fund (DCRF). This pattern of assistance can easily be created and made available without subjecting the farmer to the mental stress of borrowing. In this concept of economy, a body of more than Rs 50-75 crore can be raised in the center and Rs 40-50 crore at each state level to regulate finance directly through the block and village bodies. There is a need to renew the local village organizations, which should include an accountant and a manager to manage finances.
After analyzing the various factors, I recommend that it is necessary to modernize the villages if we are to enter the Dynamic Rotational Economy Cycle (DREC) of the future. I suggest that:
A; each government should create a separate DCRF corpus at the village, tehsil, district and state/commune levels
Two; form, the Crop Monitoring Committee (CMC) of Alfa village for all farmers and the Financial Management Committee (FMC) of Bravo village. The first should be exclusively in charge of preparing crop production, quality and marketing reports for a particular village; and subsequently to keep all DCRF records, transactions and management. This corpus must be increased annually from the supply centers of surplus sugarcane production in said areas. However, it is a shame to record that most government-run sugar mills are generally running at a loss; and all the recently established private mills in the vicinity are flourishing. It can be easily implemented without risking anyone’s life.
· Three; follow and create infrastructures on the principles of Move Market to Farmers (MMF); and Not Farmers to Market (NFM). This market establishment methodology would solve more than 90% of the farmer’s transpiration problems, movement, loading/unloading, double weighing, transportation losses, and machinery or animal wear. More than thousands of man hours of work would be saved.
· Oven; Create a farmer-friendly number of collection and weighing points instead of installing one or two in larger areas.
Five; once again bring seeds, fertilizers and pesticides closer to the villages and not to the cities. It would save time, money and man hours that farmers crave.
· Six; If possible, establish finished goods industries according to the Kalpna Environmental Economic Cycle (KEEL) principle to ensure that the manufacturing of finished goods benefits the local area.
The reason why I am not recommending the borrowed DLE concept to be implemented not only in India but also in Asia is due to:
A; Unclear bank lending policies and high interest rates have caused fear among farmers. Sometimes I feel that banks have written loan policies in such a way that the loan amount instead of providing help becomes the cause of suicide. Farmers generally feel that somewhere the banks are cheating them. Many poor farmers have been in severe financial crisis even after taking out loans of as little as Rs 3,000;
Two; the lack of understanding between illiterate poor farmers and over-educated greedy employees and swindlers;
· Three; always receiving less than the promised loan. Almost a tenth to a quarter invested in greasing the palms of officials and guarantors;
· Oven; The high cost of seeds, fertilizers, pesticides, irrigation, and harvesting reduced farmers’ ability to pay;
Five; Natural onslaught of rain, hail or unexpected storms cause moderate to severe damage to standing or near-harvested crops, leaving farmers defenseless;
· Six; low rates set close to harvest seasons by the government;
· Seven, the most important and considered factor is the grouping of black merchants, government officials and local mafias to set cultivation rates close to harvest season and continue to maintain them for shorter periods;
· Eights; between three and six months of delay in payment by government and private businessmen;
Nineth; concerns of recycling more than 40% of the profits for the next harvest and
· Tenth; the most important factor is the nexus between all procurement agencies to force farmers to sell their products at low cost and thus illegally indulge in monopolized restrictive trade practices (MRTP). I have visited more than 2,000 markets during the wheat and rice growing seasons; and always found that this lobbying is well entrenched in and around government purchasing centers, thus ensuring that government officials always offer low qualifications to deal with private entrepreneurs to large numbers of farmers.
I still feel that if the Indian leaders had listened to the inner voice of Mahatma, our farmers would never have committed suicide? Despite Mahatma’s strong opposition to industrializing Rural Areas (RAs), Indian leaders are bent on doing so. Contamination of the RA environment would also cause severe stress on the Asian healthcare sector at a later stage. Since they are Asians, they are very uncomfortable taking loans, therefore they need a little catalyst to commit suicide. Although most farmers have a brave heart, why have they gone to extreme measures? Is it cause for concern?
My efforts have been to analyze and rewrite the economic script of the agricultural sector in general in Asia and developing countries, but particularly in India. I also hope that my various economic conceptual models of the agricultural sectors will benefit people in general. Although, generally speaking, I have touched on various topics, but in the following article, I would only concentrate on how to revive India’s agricultural economy. In fact, I would call these efforts the Renaissance of the Indian agricultural economy. It would analyze the various universal problems of the country’s farmers and their suggested corrective measures so that the farmers can meet the challenges of the future Dynamic Revolving Economy Cycle (DCRF). Ezine estimates that reader opinions are solicited at [email protected]
