Making institutional finance available to every farmer is another important solution to save to the farmers from debt traps of money lenders. Where institutional finance is available, it should be made easily accessible to the poorest farmers. This calls for removing of elaborate formalities and procedures for obtaining the loans. A poor farmer would be unable to understand the complexities of procedures, he needs a simple solution for his financial needs. Effective monitoring of the disbursed funds is also required because in many cases, the poor farmer is used as a front-end while in fact the benefit of the loan is availed by a bigger land owner. In addition, monitoring is also needed to ensure that the farmers are using the funds for the right purposes.