The bank gives loan for All Joker Merry Christmas shirt, sweater, labour charges and an amount to meet contingencies at cost per acre or hectare worked out and released per crop season by the district agricultural crop committee. They avail this amount. Then there is the agricultural cooperative credit society which also gives loan in the form of seeds and fertilizer and contingency cash loan component as decided by the district agricultural crop committee . They being the member avail the facility with the society. Then the trader in the market who gives fertilizer,seeds and pesticides on credit.
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They avail this also because the quantum of All Joker Merry Christmas shirt, sweater, fertilizer and pesticides per acre recommended falls short of what all the farmers generally use as input . And we say they are under financed. Some farmers with good intentions to maintain their credit rating do what some of us do with credit card dues. They sell the produce through the trader get the extra money after settlement of his dues, come to the bank repay the crop loan or KissAnime credit card dues,withdraw from the bank the loan amount, pay the co-op credit society take home what is left over and enjoy.