If a farmer wants to cultivate on one hectare of land, the working capital itself will cost him a minimum of Rs/- 3000. Besides seeds, fertilizers and pesticides, he need cash to buy water and repair his farm instruments. If he doesn 't have the money required, he has to borrow money at 24 percentage interest for 4 months. He also has to promise to work on the moneylender 's field as a farm labourer during the harvest season for low wages. Besides these, he also has to work on his own land. Last, ultimately, life becomes miserable for him.