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Why Loan Melas, Cheap Credits Are Bad for Economic and Social Development  7 Over the past 50 years and more, one of the key strategies for promoting economic development has been the provision of cheap and directed loans from banks and other formal financial intermediaries.   Towards this end, the priority sectors of the economy have been identified as agriculture, small- and medium-scale industry and exports which are given preference while granting such subsidised loans.    This strategy not only has the backing of government policy, but also that of intellectuals of various hues and of course solid public support. After all, who would forsake something for nothing, or, putting it differently, wealth out of thin air. Impeccable logic, at first glance! 

Rojgar yojanaDale adamsRural development programWhy loan melasCheap credits are badSocial developmentIntegrated rural development programPrime ministerDifferential rateReserve bankரோஜ்கர் யோஜனாடேல் ஆடம்ஸ்கிராமப்புற வளர்ச்சி ப்ரோக்ர்யாம்மலிவானது வரவு உள்ளன மோசமானசமூக வளர்ச்சிஒருங்கிணைந்த கிராமப்புற வளர்ச்சி ப்ரோக்ர்யாம்