Forum Measures to stop Farmers Suicides in India
As on date many farmers are committing suicides for the loans they had obtained from financial institutions and are not able to pay back due to economic and financial conditions of them or their families.
It is happening, many times that their crops are damaged or ruined due to natural calamities, in many cases investments are made in none profitable ventures, in some cases loans availed are mis-utilized by them or their families and or they are not willing to pay back thinking that one or the other day their loans will be waived off as is being seen as such freebies are announced by political parties at the time of General Election in the States or in the country. In this way funds of the banks are going to the drains as banks are not able to realize the same.
In my view for such stressed loan cases of the farmers, State Governments in association with Financial institution should form a committee, prepare a questionnaire and study such cases, one by one, in the presence of the defaulting farmer. First of all the farmer should be assured and told in clear terms that banks are not going to sell his mortgaged land or property so that he is not under tension or stressed towards his loan availed from the bank. Then, the farmer should be put to questions and his reply be recorded. After this exercise the committee should inquire into the truthness of the matter and the reply submitted by the farmer. If the committee finds the problem of the farmer is genuine one, banks should accommodate such farmers with some more funds to start its farming activities, afresh, with some soft conditions, such as:
1. The land pledged with the bank will remain with the bank and its fresh valuation be made.
2. There are two factors in the payable amount. One is principal amount and second is interest applied till date. Banks should make installments for the principal amount for 3 to 7 years looking into his paying capacity which will be calculated based on his land holding.
3. The farmer should be told that he should start paying the payable installments, regularly. If he pays all the installments regularly, he will get rebate in the interest amount.
4. After the principal amount is paid, than farmer should be told to pay the interest amount in one go to avail the said rebate or if he is not able to repay the same as such, the installments for the interest amount be made without the rebate keeping in mind his paying capacity and be informed, accordingly.
5. In this way, farmer will not lose his land pledged with the bank and he will able to do his farming with enhanced help in shape of soft loan, easy installments of the principal and interest amount.
6. With these measures farmers will get a breather with boost in his income and he will be able to work afresh and would start earning and start paying his loan, availed.
7. What I think that small and petty farmers with very little land holding are hard working, honest, loyal and very much emotionally attached to their such property which has been inherited from their ancestors. They avail very little loan with no bad intention but due to the circumstances, some time, beyond their control faces such problems and are not able to repay the same to the banks and banks when threaten them that their mortgaged property will be auctioned or sold, they not able to bear such humiliation in the public and are forced to commit suicide.
8. I will request to Minister of Finance in Government Of India and in States to stop waiving off such loans and should form a uniform policy for all such loans availed by the farmers.
9. While making such uniform policy, only for the benefit of stressed loans of the farmers, Government should boldly and clearly tell the committee to prepare a comprehensive, easy to be implemented and in the best interest of the farmers with small or little land holdings with mention of how and with what measures such poor small farmers can be helped so that they are helped in such a way that they start working to farm their land and earn their livelihood to be able to take care of themselves and their families, also save their land holding.
If such measures are taken, lives of the farmers thinking of committing suicides will be saved.
Ram Kumar Garg
“ Discriminatory, Iniquitous , Legally untenable”
We live in an unequal society, full of disparities, anomalies. Consider Members of Parliament. Supremely arrogant. Their penchant for VIP status, hatred for parity with common man, is well known. They are Law makers; can frame rules for themselves. Austerity is no consideration. Though expected to lead by examples, their life-style is matchless. Have a look at their extravagant lifestyles. Highly subsidised. All at taxpayers cost.
Consider following scales of salaries, perks, privileges, immunity, exemptions,admissible to MPs :
(a) Monthly salary of Rs 50,000;
(b)Free laundry services;
(c) heavily subsidised canteen food @ Rs 30 per thali(Veg) and Rs 90 (non-veg);
(d) Daily allowance @Rs 2000 per day for signing Parl register;
(e) Monthly allowance @Rs 45,000 for constituency work;
(f) Monthly allowance @Rs 45,000 for office expenses (stationary, PA etc );
(g) MPLAD scheme worth Rs 5 crores per annum involving recommending development works to DMs- Rampant corruption, less said the better ; Euphemistically called ATM scheme.
(h) MPs can avail 34 single air journeys during a year with his/her spouse. The MP's spouse/companion can also travel alone eight times in a year to meet the member. The amount is included in 34 journeys;
(i) The MP is entitled to a non-transferable first class AC train pass allowing him/her to travel in any train. The MP is also entitled to one first class and one second class fare each time the MP travels;
(j) Rent-free flat or hostel accommodation; Licence fee for Lutyens bungalow;
(k) An MP can have three landline telephones. One each to be installed at MPs residence and office in Delhi and one at the MP's usual place of residence or any such place selected by the MP;Two mobile phone connections with 3G facilities Total number of free calls on landline and mobile phones is 1,50,000 local calls per year. The 3G data charge is also adjusted within this amount;
(l) Age is no bar for MPs.
Conclusions :
MP's cost to country is among the highest. They, along with muftkhor journalists , Parliament staff , security personnel and guests visiting Parliament house, should feel ashamed to ask for subsidized canteen food. Do they come from the Mars ? Though a monthly pay packet of Rs 1.6 lakh might not be enough for an Indian MP, the perks they get can easily dwarf their salaries. MPs also get pensions for life irrespective of years of service
Why target Senior citizens ?
Against this background, contrast MPs’ concessions with the plight of Senior citizens. The Railways has appealed to all Senior Citizens to exercise the option of foregoing subsidy on purchase of reserved class tickets. This reflects Finance ministry’s insensitivity, apathy and unconcern. Funds have not been allocated by MOF for such concessions in the current fiscal . The concessions, it is threatened, could even be done away with altogether for Senior citizens . Can the Finance Minister show guts to ask all ministers in present political dispensation to forego all kinds of subsidies, a drain on public exchequer ?
A K Saxena (A retd civil servant)