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why credit from public dev finance institun fail to reach marginal poor farmers leading to suicide

friends kinfdly puor in your suggestions ...any links ..
detailed reasons ...

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  • some reasons that come to my ind is
    banks reluctacnce tpo lend poors due to NPA generation
    banks reach
    MFI are not well developed ..but why not well developed
    SHG are not viable sources....but why they are not whyable source ..may be becoz they collect less amount of money to be lend among themselves for agri loan requirement fulfulment
    cooperatives are largely highjacked by rural elites..''
  • kindly add RRBs also in these among list of Dev finan institutions.....
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