Sushil is a small farmer. He plans to cultivate wheat in one hectare land. He needs money to buy seeds, fertilizers, pesticides, water and repair his farm instruments. He estimated that working capital itself cost a minimum of 3000 rupees. Sushil plans to borrow money to arrange for the capital. a) Identify any two sources from which he can get the capital?

b) What are the problems associated in getting the loans?