Following are the various measures to make the existing system serve fully the needs of agriculture:
(i) The supply of finance should be fully institutionalised and dependence on private sources for credit should be eliminated.
(ii) The interest rate should be low in general. The banks should charge different rates for different uses.
(iii) The basis of credit should not be mortgage of any security. Production or productivity of land should be the basis for the approval of loans.
(iv) The conditions of repayment of loans should be different so as to suit different circumstances.
(v) It should be ensured that finance is used for production. Loans can be given in the form of goods like seeds, fertilisers, etc.
(vi) There should be adequately trained and devoted personnel to manage the financial institutions. The persons should have full knowledge of agriculture and interest of farmers.