The major problem in India is of rural disasters , it begins with the complexity in decision making for small & marginal farmers.

The decisions include

1. Choice of crop (Annual on short term)
2. Time of village

Other problems
1.Rising prices of agricultural inputs
2.Avalibulity of water
3.Soil sustainbility
4.Pest management

Debt

A study by PU gives desimal data regarding the debt to income rates.

A study by PU gives desimal data regarding  the debt to income rates.

Types of farm                          Land (Hectares)                        Debt to income ratio

Large farm	10 hectar	0.25
Medium & semi	2-10	0.34
Small	1-2	0.94
Marginal	<1	1.42

More than 50% of loans are from non banking sectors.

Statistics

1.Average landholding size has from 2.3 hectors in 1971 to 1.16 hector increased.

2.A farmers earns 2400/pm/hectors from paddy & 2600/pm/hectors from wheat & labour earn less than 5000 pm.

3.Real farm wages have grown 2.9% in last 20 years.

4.Planning commission estimates that size of agricultural labour would shrink      to less than 200 mn by 2020.

• As result farmer suicides happen which is a direct function of irrigation.
• Large farmers who have access to pumps leave hardly anything for marginal farms.
• Due to in fertilizers & insecticides cost the marginal farmer has to switch to organic means.
• Given circumstances crop diversification virtually impossible
• Loan waivers have also not proven successful in ending rural distress

Suggestions

1. Greater subsidies to purchase agricultural equipment, fertilizers, pesticides.
2. Extending medical insurance through Rashtriya Swasthya  Bima yojna
3. Increasing scope of MNREGA to encapsulate farmer in it by paying them to till their own fields .

Implementation of MS Swaminathan committees