Marginal and small farmers require freedom and options, not financial inclusion
Small farmers need credit and other supporting services for diverse activities which comprise a family’s livelihood strategy. Self Help Affinity Groups (SAGs) are the most appropriate institutions which provide the necessary space, resources and skills required by a poor family to develop a livelihood strategy.
http://www.agriculturesnetwork.org/magazines/india/2-finance-for-farming/marginal-and-small-farmers-require-freedom-and/at_download/article_pdf