In our country we say “Bangladesh is an agricultural country”. And the farmers are vital elements of agriculture. But it is a matter of sorrow that they are so neglected. Every year they usually face many kinds of problems & losses. Do you think only because of cultivating land, they should face losses? I don’t think so. We are not doing this painful work. Only the farmers doing this. In my opinion they are national hero. So it is needed for doing something for our national hero. I think my idea will help farmers to secure their goods & reduce losses. Every year the farmers have to face natural disaster like flood, it creates complete losses. Besides this they have to take loan with a high interest. But Government, Bank, Insurance Company & NGO can solve this problem easily. At first Government should start a special loan scheme for the farmers. This loan will be issued for those farmers who cultivate land. For this reason government should establish an institute /organization. The name of this organization may be “The Loan for Farmers” (LFF).At the first stage Government has to invest some money in this sector (may be 100 crores). The rate of interest will be fixed by adding organizational cost & insurance cost. Insurance cost means, when LFF issue loan, it has to inquiry how many lands does the farmer cultivate. Then LFF will have to insure it. The cost of insurance or premium of insurance will be added with the rate of insurance. Government & selected Insurance Company will be fixed the rate of interest for the insurance, for the whole country. Government will not try to earn anything from LFF. If Government does this, the farmers should not take loan with the high interest. And if any natural disasters like flood destroy farmer’s goods, they don’t have to think about it. Because of insurance, Insurance Company must face these losses. Insurance Company will pay the LFF & LFF will pay the farmers. Government can also appoint some banks for doing this project. But if Gov: does this, it has to create a new department. (May be named LFF Department). Every year Gov: has to pay subsidy in agricultural sector. But in this project Gov: will pay subsidy as a capital for one time. Here the positive side is that, capital will not be reduced. All kinds of cost of LFF will be taken by interest. In this way the farmers will get easy loan with low interest. For building extra capital, Gov: can take deposit from farmers or other. But Gov: will not pay any interest & will not cut any charge to the depositors. You can tell me without paying interest, why people deposit here. My opinion is, in this project depositor will get extra facility at the time getting loan & they will able to deposit any amount. And other side is, at the time of paying loan farmers should show a certain amount of deposit. They will able to withdraw their depositing money after the period of loan. LFF will issue loan, only at the time of sowing seeds & the farmers will return it with interest after getting their new goods. If at the time of sowing seeds, depositors have enough money in their account, they can withdraw it. Actually without getting loan depositors can withdraw anytime. The other positive side of this project is: if farmers get easy loan with low interest, they will avail to sell their goods in low price. Then the price of goods will be decreased. Not only Gov: Private sector & NGO can make this project. But the condition is: they can’t take anything from LFF. It is the work for serving people. Website: http://www.ideactg.blogspot.com Email: