Farm loan waivers here in Punjab break the trust we build with every careful land assessment. When the next season comes, we become reluctant to lend, seeing even viable farmers as a political risk. My own recovery rate on small tractor loans dropped sharply after the last announcement, as borrowers waited for another. I now spend more time justifying rejections to honest, young farmers than building their futures, and that is a poor cycle for all of us.
#bureaucracy#paperwork
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