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@article{197046,
        author = {Kuku Ram Kanojia and Rajesh Kumar Singh},
        title = {Debt Traps for Illiterate Farmers: Ethical Duties and Legal Fixes in India},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {6779-6782},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=197046},
        abstract = {India's illiterate farmers are facing deadly debt traps from private money lenders. This study uses a three-part model—bank gaps, lender fraud, and suicide risks—to show how 110 million farmers have to suffer. We have reviewed 50 court cases, NCRB suicide data (2020-2024), and RBI reports and the findings reveal that more than 50% farmer are interest rates trap farmers, with fraud in 70% of bonds for illiterates. Over 10,000 suicides link to private debt yearly. Compared to laws like SARFAESI Act, 2002, gaps exist in protecting weak borrowers. We propose video-recorded loans, 18% rate caps, and lender liability for deaths. This ethical fix aligns with Article 21 of Indian Constitution rights to (Sharma, 2025). Reforms could cut suicides by 30%, based on Andhra Pradesh models. The work urges moral legal changes for rural justice. (178 words)},
        keywords = {Debt traps, illiterate farmers, moneylender fraud, farmer suicides, ethical duties, legal reforms, usury prohibition, Article 21},
        month = {April},
        }