Farm loan waivers disrupt the credit discipline for banks and co-operatives, making them wary of lending in the next cycle. They become stricter, so even deserving farmers face delays or higher scrutiny. My stall’s daily cash flow is like a small bank—if I let one tab slide without consequence, the next regular expects the same, and soon my own supplies are at risk. Waivers are a free vada-pav today, but tomorrow, the whole line gets turned away.
#bureaucracy#paperwork
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