(a) For small farmers:

● High rate of interest.

● It promises to sell crops to traders at low prices as repayment of loan.

(b) For medium farmer:

● Low rate of interest.

● Loan of several banks can be easily paid in the next 2-3 years.

(c) For landless agricultural workers of Sonpur:

● Borrowers pay their debt by working on land of their moneylenders or landowners so that in future again they will be able to borrow from that person in need.

● The rate of interest for these workers is high.