At a time when farmers in the country are reeling under the pressure of insurmountable debts and demanding farm loan waivers, a 60-year-old farmer, Naga Kushwaha, from a remote village in Uttar Pradesh, has refused his loan waiver. Hailing from the village Prithvipur, Naga is a small-time farmer who took a loan of Rs 1,06,000 in 2013, which he repays in instalments timely.
Naga earns his living by farming on a 2.5 acre land with the help of his three sons and looks after his family of 13 members. He studied up till class 10. While one of his sons has completed his MA, another just cleared his class 12 exams. “We work on the field together and grow fresh sugarcane and potatoes, in addition to other crops. Whatever is left after consumption from our daily use, is sold at the nearby market which runs our household needs,” said Naga.
The Purvanchal Gramin Bank in Kushinagar falls under the most remote and backward district divisions in UP. For days and months at the end, this bank is crowded with farmers enquiring about farm loans and whether their ₹157 LPG subsidy has been granted. And here is a farmer, who has decided to give up the loan. he could have easily repaid using his Kisan Credit Card (KCC) issued by the government.
Over 1,913 farmers at the Purvanchal Gramin Bank of Kushinagar have Kisan Credit Cards, Out of which, only 200-300 farmers under the KCC scheme repay their loans. The rest wait for a loan waiver. In a scenario like this, Naga Kushwaha has become a local hero, impacting change.. Inspired by his initiative, a number of farmers are following suit.
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