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The suave ambiance of big-city banks and their clientele are out of tune with the credit needs of rural farmers, daily laborers and petty traders who are often also illiterate. Unaccustomed to systems and procedures, they fall an easy prey to money lenders who charge exorbitant interest rates. The truant rain gods, unpredictable agricultural prices and greedy marketing middle men combine to play such a deadly role that farmers are driven more and more into debilitating debts. In many cases, the
