Savita required money for buying seeds, fertilisers and pesticides, and water for irrigation. She also needed money for repairing her farm instruments. So, she decided to borrow money from Tejpal Singh, a large farmer in her village. Tejpal Singh agreed to give the loan of Rs. 3000 at an interest rate of 24 per cent for four months. He also got her to agree to work on his field during the harvest season for Rs. 35 a day. Knowing that it was difficult for a small farmer like herself to get a loan, she agreed to these tough conditions.
If she could get a loan from a bank, then her situation would definitely have been different. First of all, she would have got the loan at a reasonable rate of interest. Secondly, she would have been able to focus her entire attention on her farm. She would also have been able to devote more time to the needs of her family members, especially those of her three children.