MAXIMISING profitability of farm businesses requires meticulous management of all categories of costs. Farm finance, particularly short-term emergency finance, is an area where many farmers are being exploited by the market Clearly, the bank managerhas enormous power in a situation where a farmer is in 'desperate' need for finance. At the end of the day, the role of the bank manager is to sell money on behalf of the bank. There is little real difference between the way that a bank buys and sells money and the way that a shoe store buys and sells shoes. Simply, the banks make a profit by buying money from one market and then selling it at a premium in another, just as a shoe store buys shoes from a wholesale market and sell shoes at a higher price in a retail market.
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