Compare the terms of credit for the small farmer, the medium farmer and landless agricultural labourer as given in the story on page 40.
| Small farmer | Medium farmer | Landless agricultural labourer |
| a. A small farmer would generally take loans from moneylenders who would charge high rate of interest as per his whims and fancies, | A medium farmer has taken loan from a bank, which has charged low rate of interest. Repayment of loan is within a stipulated time but is flexible. | A landless agricultural labourers is working in the neighbouring field, and has no work for months, due to seasonal nature of work. |
| b. A small farmer may not be asked to furnish any documents. | He is asked to furnish documents as a proof. | Would ask for a loan from a moneylender to meet his basic needs, |
| c. A loan would be given without a collateral. | Is asked to give a collateral, as a security against which loan would be sought, | Is charged high rate of interests and is continued to be exploited by money lenders.; |