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Balwant Singh, a farmer from dhandasen, has a family of 5 members. All his produce is just sufficient to meet the ends of the family and have savings for next season's crop. Thus, his effective savings is zero. This poses an issue when the crops are ruined due to some or other reason. This leads him to take loans which he can’t pay back to the moneylender. How can he overcome this problem? Should he improve the farming technique? Should he change the crop he’s growing? Or is there some other way?

Balavan Shah, a farmer from palaj, is afraid to take loans from banks, due to the cumbersome process that it entails. Thereby, he resorts to taking loans from moneylenders at high-interest rates. How should he take loans to get minimum interest and how should he plan to return these loans?

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