This book depicts the tractor universe and its stakeholders' competitive nature. It weaves dependency and unravels the intense competition amongst lenders, dealers, manufacturers, and the linchpin of it all the user farmer. The book highlights the importance of understanding the tractor's vittanirbhar (financially dependent) nature as a machine. It also emphasises the importance of collaboration among all industry stakeholders in addressing some ethical issues. The author brilliantly expands the definition of tractorpreneur to include forward-thinking methods such as TractorGiri. He demonstrates how a farmer of any experience level can learn to operate a tractor and become aatmanirbhar (self-sufficient).
The book investigates and elevates Tractornomics as groundbreaking studies of tractor lending and income generation for the socioeconomic development of marginalised farmers. The book reveals the beauty of silent Tractor-revolution created by TractorGiri, of Tractorpreneurs, by their Tractornirbhar nature, all with credit support. Let us, delve into it to understand why tractorization will continue to drive India's agricultural sector.
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Rajesh Kharche
Rajesh Kharche is a passionate Agri-Banker who has been serving at both public and private sector banks for over two decades. His areas of expertise in Agri-finance span from business growth and underwriting to credit and product policy implementation to strategic planning and risk management. Prior to joining ICICI Bank, he worked in the Agriculture & Rural banking divisions of Union Bank of India, Axis Bank, and Kotak Mahindra Bank.
He places a high value on understanding the tractor industry and its fiercely competitive nature. According to him the financier needs to take a new look at sourcing, underwriting, monitoring and collection, with an emphasis on product development for seamless delivery. The author stresses the significance of bolstering the capability of tractor financing amongst lenders. By comprehending crop economics and related topics, his first book, Bankers' Handbook on Kisan Credit Card, also strengthens the underwriting abilities of Agri-Bankers.
