OPERATION BARGA 47 providing the credit are completed as quickly as possible and credit is supplied well ahead of the agricultural season. Instead of paying the entire loan in cash, a portion is paid in seeds and fertilizers depending on the requirement of the bargadars so that there is no misuse of the loan. The recipients of agricultural loans benefit in two ways: 1) the perpetual dependence on the moneylenders is reduced to some extent and 2) they are encouraged to increase production on the lands they cultivate. But agricultural credit for a single crop season cannot bring about any definite improvement of their economic condition. If they are to be made free from the perpetual indebtedness to the moneylenders, the credit should be recycled for a few years. Two psychological factors have constrained a successful implementation of the financing scheme. The first factor is an institutional bias, reflected in certain mental reservations amongst a category of banks' managerial staff about the viability or even the desirability of financing hitherto "non-bankable entities" like sharecroppers, assignees of vested lands and real marginal farmers.10 The second factor is the reluctance on the part of a large number of bargadars and assignees of vested lands to come forward to take institutional loan tp which they do not have an easy access. They do not feel assured that the financing scheme will be recycled from year to year. Moreover, the institutional loan, once taken, will antagonize the village moneylenders and their8 easy access to this source of financial help in times of need will be lost. Easy availability of institutional credit for the poor bargadars and small allottees of vested lands has been rendered difficult by the first factor. The second factor seems to have been largely responsible for the failure to bring a large section of the target group under the scheme. As the report goes, about 60,000 bargadars and small allottees of vested lands have taken agricultural loan. In the coming crop seasons the government will have to take necessary steps to increase the coverage of the financing programme in much wider areas with the ultimate aim of covering all the poor bargadars and small allottees of vested lands in the state. But even a successful implementation of this programme cannot bring about any radical change in the rural economy. The economic gains from the institutional credit will not be substantial to enable the poor bargadars and other recipients of the loan to snap their economic links with the local moneylenders within a short