Category: harbal farming

  • Loans and Financial Support Programs for Farmers in the USA: How to Get Help and Benefits

    Farming requires significant financial resources, whether it’s to buy new land, purchase equipment, or recover from weather-related disasters. In the USA, there are numerous loans and support programs designed specifically to help farmers succeed. Let’s explore these options in detail.

    1. USDA Farm Loans

    The United States Department of Agriculture (USDA) offers specialized loans to farmers, especially small and medium-sized ones. These loans come in two main types:

    Direct Loans: Provided directly by the USDA to farmers at subsidized interest rates.

    Guaranteed Loans: USDA guarantees loans given by banks or credit unions, making it easier for farmers to obtain financing.

    When to use USDA loans?

    Buying or improving farmland

    Purchasing farming equipment and machinery

    Covering operating expenses such as seeds, fertilizers, and labor

    2. Operating Loans

    Operating loans are short-term loans designed to cover everyday farming expenses like seeds, fertilizers, water, labor, and machinery maintenance. These loans usually cover one farming season.

    3. Farm Ownership Loans

    Farm ownership loans are intended for farmers who want to purchase new land or improve existing farmland. These loans usually have longer repayment terms and lower interest rates.

    4. Youth Loans

    USDA offers special loan programs for young farmers aged between 10 to 20 years old who are just starting their farming careers. These loans typically have lower interest rates and easier terms.

    5. Emergency Loans

    In case of natural disasters such as drought, floods, or storms, farmers can apply for emergency loans to quickly get financial aid and restart their farming operations.

    6. Microloans

    Microloans are small loans aimed at beginning farmers or those operating on a small scale. They come with simplified application processes and smaller loan amounts.

    Main Sources for Farmer Loans

    USDA Farm Service Agency (FSA): Provides both direct and guaranteed loans.

    Farm Credit System: A nationwide network offering credit specifically for farmers.

    Private Banks and Credit Unions: Many also offer agricultural loans.

    State Agricultural Departments: Some state governments have special loan programs for farmers.

    Other Financial Assistance

    Grants: Non-repayable funds for specific projects or improvements.

    Crop Insurance: Protects farmers against losses due to natural disasters.

    Technical Assistance: Support and guidance to adopt new farming technologies.

    How to Apply?

    1. Visit the USDA or your bank’s website.

    2. Check eligibility requirements and available loan programs.

    3. Prepare necessary documents such as identification, land deeds, and financial records.

    4. Fill out and submit the application.

    5. Follow up during the loan processing period.

    Conclusion

    Farmers in the USA have access to a wide range of loans and financial support programs to help them grow and sustain their operations. Choosing the right loan and applying carefully can provide the resources needed to succeed in farming.

    Comprehensive Guide to Farm Loans in the USA with Interest Rates

    Farming requires capital for buying land, equipment, seeds, and managing daily operations. The U.S. government and financial institutions provide various loan programs to help farmers meet these needs. Here’s a detailed overview of the major farm loans and their typical interest rates.

    1. USDA Direct Farm Ownership Loans

    Purpose: To purchase farmland, improve existing land, or construct farm buildings.

    Loan Term: Up to 30 years

    Interest Rate: Approximately 4% (subsidized rate, generally below market rate)

    Details: These loans are directly provided by the USDA, primarily to small and beginning farmers who may not qualify for conventional bank loans. The subsidized interest rates make repayment easier.

    2. USDA Guaranteed Farm Ownership Loans

    Purpose: To buy farmland through loans obtained from commercial banks or credit unions, guaranteed by USDA.

    Loan Term: Up to 30 years

    Interest Rate: Typically between 4.5% and 6% (market-based rates)

    Details: USDA guarantees up to 90% of the loan amount to lenders, encouraging banks to lend to farmers who might not otherwise qualify.

    3. USDA Direct Operating Loans

    Purpose: To cover day-to-day farming expenses such as seeds, fertilizer, labor, fuel, and repairs.

    Loan Term: 1 to 7 years

    Interest Rate: Approximately 4% to 5.5% (subsidized)

    Details: These short-term loans are designed for operational costs, making funds available during the farming season.

    4. USDA Guaranteed Operating Loans

    Purpose: To obtain operational funds through banks or credit unions, guaranteed by USDA.

    Loan Term: 1 to 7 years

    Interest Rate: Generally 5% to 7% (market rates)

    Details: USDA guarantees a major part of the loan to the bank, helping farmers secure funds even with limited credit history.

    5. USDA Microloans

    Purpose: To assist small-scale and beginning farmers with smaller loan amounts for operating costs or equipment.

    Loan Amount: Up to $50,000

    Loan Term: Generally short-term (1 to 7 years)

    Interest Rate: Around 4.5% to 6%

    Details: These loans feature simplified application processes and are suited for smaller projects.

    6. Emergency Farm Loans

    Purpose: To help farmers recover from losses due to natural disasters such as floods, droughts, hurricanes, or wildfires.

    Loan Term: Flexible, depending on need

    Interest Rate: Generally between 3.75% and 4.5% (low subsidized rates)

    Details: Available to farmers who have suffered damage; designed to quickly provide funds for recovery.

    7. Beginning Farmer and Rancher Loans

    Purpose: Support for new and young farmers starting their agricultural ventures, including land purchase and operating expenses.

    Loan Term: Varies; can be up to 30 years for ownership loans

    Interest Rate: Approximately 3.75% to 5% (lower rates to encourage new farmers)

    Details: Special eligibility for farmers aged 18-40 or those with less than 10 years farming experience.

    8. Farm Storage Facility Loans

    Purpose: To finance storage structures such as grain silos, cold storage, or other on-farm storage facilities.

    Loan Term: 7 to 12 years

    Interest Rate: Usually between 3.5% and 4.5%

    Details: Encourages farmers to safely store their crops and improve marketing flexibility.

    9. Conservation Loans

    Purpose: To fund conservation practices that protect soil, water, and natural resources (e.g., solar pumps, fencing, erosion control).

    Loan Term: Variable

    Interest Rate: Between 3% and 5%

    Details: Supports sustainable agriculture and environmental stewardship.

    Important Notes on Interest Rates

    USDA interest rates are subsidized and often lower than typical commercial rates.

    Market interest rates from private lenders vary and are generally higher than USDA direct loan rates.

    Rates fluctuate based on federal monetary policy, loan demand, and borrower creditworthiness.

    Always check the latest rates and loan terms from USDA or local lenders before applying.

    How to Apply for Farm Loans?

    1. Determine which loan program fits your needs.

    2. Gather documents: ID, farm ownership or lease papers, financial records, tax returns, and business plans.

    3. Visit your local USDA Farm Service Agency (FSA) office or contact commercial lenders.

    4. Complete application forms and submit required documents.

    5. Await approval and follow up as needed.

    Conclusion

    USA farmers have access to a wide range of farm loans, each tailored to different purposes like land purchase, operational costs, disaster recovery, and conservation efforts. Understanding the loan types and their typical interest rates helps farmers select the best option to support and grow their agricultural business.

    Major U.S. Government Schemes for Farmers

    1. USDA Farm Service Agency (FSA) Programs

    The FSA is the main body under the U.S. Department of Agriculture (USDA) offering support to farmers.

    Direct & Guaranteed Loan Programs

    Helps with land buying, equipment, and operational expenses.

    Includes: Ownership loans, operating loans, microloans, and emergency loans.

    Beginning Farmer and Rancher Program

    Goal: Support farmers with less than 10 years of experience.

    Benefits: Easier access to credit, land transition support, and training.

    2. USDA Risk Management Agency (RMA) – Crop Insurance Programs

    Purpose: Protects farmers against crop failure due to natural disasters, pests, or market price drops.

    Popular programs:

    Multi-Peril Crop Insurance (MPCI)

    Whole-Farm Revenue Protection

    Livestock Risk Protection

    3. Environmental Quality Incentives Program (EQIP)

    Run by: USDA Natural Resources Conservation Service (NRCS)

    Support: Provides technical and financial assistance to adopt conservation practices.

    Use: Soil health, water management, pollution control, and more.

    4. Conservation Stewardship Program (CSP)

    Purpose: Encourage farmers to maintain and improve conservation efforts.

    Benefits: Annual payments for long-term sustainability efforts on the farm.

    5. Supplemental Nutrition Assistance Program (SNAP) for Farmers Markets

    Benefit to farmers: Farmers can sell directly to SNAP recipients through EBT at farmers markets.

    Goal: Increase sales for local farmers and provide fresh produce to low-income families.

    6. USDA Rural Development Programs

    Support: Infrastructure, broadband internet, business grants in rural areas.

    Farmer benefits: Better access to technology, training, and local market development.

    7. Disaster Assistance Programs

    For farmers hit by floods, droughts, wildfires, or hurricanes.

    Key Programs:

    Livestock Indemnity Program (LIP)

    Emergency Assistance for Livestock, Honey Bees and Farm-Raised Fish (ELAP)

    Tree Assistance Program (TAP)

    Non-Insured Crop Disaster Assistance Program (NAP)

    8. Farm Storage Facility Loan Program

    Goal: Help farmers build or upgrade on-farm storage.

    Loan term: Up to 12 years at low interest.

    9. Value-Added Producer Grant (VAPG)

    Support: Grants to help farmers process and market their products.

    Example: Milk to cheese, fruits to jam, grains to flour.

    10. USDA Organic Certification Cost Share Program

    Reimburses: Up to 75% of certification costs (up to $750 per category).

    For: Farmers who want to sell USDA-certified organic products.

    11. Farmers.gov Portal

    A digital platform where U.S. farmers can:

    Apply for loans and aid

    Track applications

    Access personalized recommendations

    Summary Table:

    Program Name Purpose Managed By

    FSA Loan Programs Financial aid and credit USDA – FSA
    Crop Insurance (MPCI, WFRP) Risk management USDA – RMA
    EQIP Conservation improvement USDA – NRCS
    CSP Long-term sustainability USDA – NRCS
    Disaster Assistance Relief after natural events USDA – FSA
    Rural Development Programs Infrastructure in rural areas USDA – RD
    SNAP at Farmers Markets Selling directly to SNAP users USDA – FNS
    Organic Certification Support Cost reimbursement USDA – AMS
    Value-Added Producer Grants Business development USDA – RD

  • From Engineer to Crorepati Farmer: The Inspiring Journey of Mukesh Kushwaha

    In a world where most young professionals pursue secure corporate jobs, Mukesh Kushwaha from Bardoura village near Bina in Madhya Pradesh made a bold move—he left behind a promising career in mechanical engineering to embrace farming. Today, he earns over ₹20 lakh annually through modern vegetable farming and provides employment to 20–25 people in his village. Here’s his inspiring transformation from an engineer to a successful agro-entrepreneur.

    Early Life and Career Shift

    Mukesh always dreamed of becoming an engineer. After completing his diploma in Mechanical Engineering from Khurai Polytechnic College in 2003, he landed a job offer in a highway construction company in 2004. However, the offered salary of just ₹6,000 per month didn’t sit well with him. Disillusioned, he returned to his village and joined his father in traditional vegetable farming on 12 acres of land.

    At that time, the return on investment was modest—only ₹5–7 lakh per year, despite the hard work. That’s when Mukesh decided to modernize their farming methods.

    Training and Modern Farming Transformation

    With a thirst for knowledge and improvement, Mukesh approached the Horticulture Department. He was introduced to advanced farming techniques like drip irrigation, mulching, and raised-bed farming. He was also part of an exposure tour to Maharashtra and Karnataka, where he saw farmers reaping big profits using modern techniques.

    This experience was a turning point. Inspired by what he saw, Mukesh returned home and began implementing these techniques. His productivity skyrocketed. Over time, he acquired 13 more acres, taking his total farmland to 25 acres.

    High-Yield, Low-Cost Farming Model

    Today, Mukesh grows a variety of vegetables including:

    Potatoes

    Onions

    Tomatoes

    Eggplants (brinjal)

    Carrots

    Spinach

    Fenugreek

    Coriander

    Radish

    Green peas

    Earnings Breakdown (Per Year):

    Crop Area (Acres) Production Revenue

    Potatoes 9 acres 800 quintals ₹9.6 lakh
    Onions 12 acres 1200 quintals ₹14.4 lakh
    Brinjal + Tomato 3 acres – ₹5.5 lakh
    Mixed Vegetables 1 acre – ₹1.5 lakh
    Total Income 25 acres – ₹31 lakh (approx.)
    Net Profit – – ₹18–19 lakh after expenses

    His produce is supplied to Bina, Sagar, Khurai, and Bhopal markets.

    Tomato Farming for Year-Round Income

    Mukesh also promotes tomato farming as a profitable crop that can be grown year-round with the right infrastructure. With drip irrigation, mulching, and proper fencing, a farmer can earn 4 to 10 times more than traditional methods.

    Scientific Storage Techniques

    To prevent losses from fluctuating market rates, Mukesh has mastered modern onion storage. He uses exhaust fans, bamboo fencing, and net layering over bricks to store onions for up to a year without spoilage.

    Giving Back to the Community

    Mukesh isn’t just a farmer—he’s a mentor. He guides fellow farmers in modern techniques and helps them improve their income. Recognizing his leadership and dedication, his village elected his wife, Mamta Kushwaha, as the village Sarpanch. Mukesh himself now serves as the Rural Wing President of BJP in the region.

    What is Mulching and Why It Matters?

    Mulching is the practice of covering soil with organic or synthetic materials to retain moisture, suppress weeds, and enhance fertility. Mukesh uses high-quality mulching sheets that last 2–3 crop cycles. While the initial cost is ₹12,000–15,000 per acre, the returns outweigh the expense.

    Conclusion

    Mukesh Kushwaha’s story is a shining example of how knowledge, innovation, and courage to break societal norms can transform lives. By adopting scientific farming, he turned a modest family farm into a thriving agribusiness. His journey is not only an inspiration for Indian farmers but also a blueprint for future agri-entrepreneurs who wish to make farming a profitable and respected career.

  • How Motilal Turned 3 Acres into a Flower Farming Empire and Earned Lakhs in Just 120 Days

    In the fertile lands of Samastipur district, Bihar, an inspiring story of agricultural transformation is unfolding. Meet Motilal, a farmer from Barish Nagar village, who leveraged modern training and government support to turn his modest 3-acre farm into a thriving flower farming business. Within just 120 days (4 months), he began earning lakhs of rupees — a remarkable example of how innovation and dedication can revolutionize traditional farming.

    The Journey from Traditional Farming to Flower Cultivation

    Samastipur is primarily known for its cultivation of food grains and vegetables. However, Motilal’s decision to diversify into floriculture (flower farming) is a game-changer for him and the local community. Encouraged by the Horticulture Department’s Floriculture Mission, he received training and a government grant that equipped him with the knowledge and resources to start flower cultivation on a commercial scale.

    Motilal chose to grow marigold (genda), rose, marigold spikes (gulchharra), and several local varieties — altogether cultivating 4 to 5 different flower species across his 3-acre farm.

    Training and Support that Made the Difference

    One of the key factors in Motilal’s success was the training he received in Bengal under the state horticulture program. This training helped him master:

    Best practices in seed selection and seedling transplantation

    Pest and disease management using eco-friendly methods

    Optimal harvesting and post-harvest handling techniques

    Cold storage use to maintain flower freshness and extend shelf life

    With this expertise, Motilal was able to significantly increase both the quality and quantity of his flower production.

    How Flower Farming Became Highly Profitable

    Motilal explains that every acre of his flower farm yields about ₹1 lakh every 3 months. With 3 acres under cultivation, he earns approximately ₹3 lakhs per season. Since there are two cropping seasons in a year, his annual income from flower farming alone reaches lakhs of rupees.

    Another vital advantage he mentions is the ability to store flowers in cold storage for 20-25 days, which prevents spoilage and allows him to sell at optimal market prices — a critical factor for profitability in floriculture.

    Employment Generation and Community Impact

    Not only has Motilal improved his own financial standing, but he also employs 4-5 local workers to help manage his farm, creating valuable jobs in his village. His success story has inspired many other farmers in Samastipur to consider flower cultivation as a viable and lucrative agricultural option.

    Motilal’s Advice to Fellow Farmers

    “The key to success in farming today is embracing modern technology and continuous learning. Flower farming is just as profitable as traditional crops if done right. With proper guidance and hard work, farmers can open new avenues for income and community development.”

    Why Flower Farming is a Smart Choice for Farmers Today

    Flower cultivation is emerging as a promising diversification strategy for farmers in India, especially in regions like Bihar where demand for flowers is increasing due to festivals, weddings, and religious ceremonies. The government’s floriculture missions and training programs are making it easier than ever for farmers to enter this sector with confidence.

    Conclusion

    Motilal’s story exemplifies how government support, training, and adopting new agricultural practices can drastically improve farmers’ livelihoods. His journey from a small-time farmer to a successful flower entrepreneur in just a few months is a beacon of hope and inspiration for farmers across India.

    If you are a farmer looking to diversify your crops or someone interested in agribusiness, Motilal’s success teaches us that innovation combined with perseverance can lead to tremendous rewards.

  • Return to the Land? Meet Someone Who Never Left Part II: 1970s–1990s | The Story of Michele Lobascio, Puglia, ItalyPart II: 1970s–1990s | The Story of Michele Lobascio, Puglia, Italy

    Michele Lobascio

    In a time when food production has become a central topic for everyone, we want to share the story of a man who has never left agriculture and who, even today, tends to his olive and almond trees with care. This is Michele Lobascio, father of the Terradiva family, who long before the brand was born, consolidated the family farm. Behind the brand and the choice of organic agriculture, there are years of experiences, efforts, battles, human relationships, and social changes in Southern Italy and in the way of being farmers. This interview is divided into two parts, covering Michele’s life from childhood to the 1990s.

    Part 1: Childhood Memories and Sharecropping (1960s)

    Michele has been going to the fields since the age of seven, helping his father. In those days, the family also had animals — a horse, mule, and mare — which were the tractors of the time. Children assisted adults in animal surveillance during the “controra,” the early afternoon rest period after lunch when farmers took a break. The workday was long, from dawn around 5 AM until sunset, making the afternoon rest essential.

    Animals played a crucial role: they helped plow the land, transported goods, and enabled travel between the town of Minervino Murge and the countryside. On the cart pulled by the mule and mare, it took about two hours to reach the fields on the Murgia plateau. Plowing was important for preparing the soil for sowing, breaking up clods and making it fertile for seeds. What took animals and men three full working days to do for one hectare of land back then now takes only two hours with modern machinery.

    Michele helped with olive and grape harvests, and the transportation of pruning waste, which was piled outside the fields.

    As a child, Michele viewed farming as an exhausting job, since farmers had to work outdoors regardless of weather conditions — rain, wind, sun, or cold. However, he admired the independence farmers had in organizing their work despite being sharecroppers.

    What did it mean to be a sharecropper?
    Sharecropping was a form of land management where the landowner provided the land and the laborers provided the work, organization, and manpower. Initially, the harvest was split 50/50 between owners and laborers. After laborers’ struggles, the split became 60% for laborers, who also demanded that owners supply fertilizer.

    Michele’s father and other laborers eventually left sharecropping because it was not remunerative enough. Michele recalls the landowner’s visits in his Fiat 1100 car, overseeing the work and asking children to pick fallen almonds during harvest.

    In summer, when school ended, Michele’s family stayed in the countryside for weeks at a time, sleeping on beds made from straw bales. Days started before sunrise and ended soon after sunset. In the evenings, friends of Michele’s father would tell stories and tales after feeding the animals. The animals were well cared for, cleaned, and groomed carefully, as they were the tractors of that era. Loyal dogs named Giglio and Bobby kept the family company through changing generations.

    Part 2: The Land Occupation Movement and Cooperative Farming (1970s–1990s)

    At the age of twenty, Michele actively participated in the land occupation movement in Minervino Murge during 1977-78. At that time, a national law aimed to help unemployed young people by allowing them to occupy poorly cultivated lands to make them productive.

    In Minervino Murge, a large farm owned by a charity but managed by the Municipality was the target of the occupation. This farm was a legacy of the Counts Corsi, intended to fund schooling for laborers’ children through its proceeds.

    The occupation was a struggle that lasted months. Each time the police cleared them from the land, Michele and the other young unemployed people would return and peacefully sit down, ready to be removed again. This repeated cycle eventually convinced the authorities to recognize their efforts and assign the lands to them.

    The struggle even led to a trial in the municipal council chamber, and their story gained national media attention.

    RAI, the Italian state TV, broadcasted a documentary on the agricultural laborers’ struggles in Minervino Murge. The documentary was viewed all over Italy and brought support from cooperatives in Emilia-Romagna, especially from Sant’Alberto, Ravenna.

    Bruno Taroni, manager of a large cooperative in Sant’Alberto, wrote Michele a letter encouraging them not to give up. This led to a valuable collaboration between the cooperative in Puglia and those in Emilia-Romagna. Michele was invited to their annual cooperative celebration, where he met with agronomists and cooperative staff who helped structure their new cooperative.

    Michele’s cooperative was named “Carmine Giorgio” after a local baker and early 20th-century laborer’s rights activist from Minervino. Through support from the League of Cooperatives of the Ravenna Federation, they received essential farming equipment like tractors, irrigation systems, and tools to help shift their land from mainly wheat cultivation to diverse fruit and vegetable farming.

    Later, Michele was also involved with another cooperative, “La Primula” — named after the first flower to bloom after winter. These cooperative experiences were a vital training ground: sharing ideas, teamwork, and learning to navigate different opinions.

    After some years, Michele worked in processing and marketing agricultural products. This period helped him understand the complexities of large-scale distribution, from sorting vegetables and table grapes to the inner workings of distribution centers.

    Finally, in 1999, Michele decided to leave the processing industry behind and focus exclusively on transforming and running his family’s farm. This led to Terradiva becoming an organic-certified farm, dedicated to sustainable and chemical-free agriculture.

    Michele’s Advice to Young Farmers

    Agriculture is a job for those who love it. Trees and plants are alive and fragile, needing constant care and attention. You can’t work only when it suits you—they require daily dedication and understanding.

    Today, Michele knows every tree on his land—their diseases, root problems, and unique needs. Caring for plants is like dealing with people; it requires empathy and attentiveness.

    When asked about innovation, Michele says it means finding ways to live better, reducing fatigue, and enabling easier production. Agriculture is exhausting and far from the romantic images often portrayed in the media. Innovation helps produce more with less effort and without toxic chemicals.

    This is the story of a farmer who never left the land—who fought for it, nurtured it, and transformed it. Michele Lobascio’s journey is one of resilience, community, and commitment to a better, organic future.

  • Timothy Danley – The California Farmer Who Transformed Orchard Farming to New Heights with Drones: “Timothy Danley: The Fourth-Generation California Farmer Who Transformed Orchard Farming with Drone Technology”

    🌿 Introduction

    Timothy Danley, who is farming on the fertile land of California, is not just a traditional farmer — he is part of a generation of farmers who are taking farming to new heights by connecting it with technology. There was a time when he had to take the help of an airplane or helicopter to know the condition of his fields. But now, he has a tool that has become the eye of his farm — the DJI Mavic 3T drone.

    🚁 Drones usher in the era of Real-Time Farming

    Timothy monitors his fields every day with the help of drones. He can not only do a complete aerial mapping of the field, but can now understand in real time where the crop needs more attention.

    A typical example is when his orchard faced problems with flowers not blooming. Timothy created an NDVI map (Near Dense Vegetative Index) using the Mavic 3T, which gave him an accurate idea of ​​the health of every tree in his orchard. This allowed him to immediately target specific trees that were in trouble.

    💡 This technology is for every farmer

    Timothy believes that the use of drones in agriculture is not just for big farmers. Starting with an entry-level drone, even small farmers can do aerial photography, crop health monitoring and soil mapping. He believes that future farming is incomplete without drones.

    📈 Benefits at a glance

    Time savings: Saves time compared to helicopter or manual inspections

    Accurate diagnosis: Identify sick trees with NDVI maps

    Cost reduction: Treat only affected areas

    Improves crop quality

    🔚 Conclusion

    Timothy Danley’s story shows how combining tradition and technology can make farming smarter and more profitable. If you too want to make your farm future-ready, drone technology is no longer an option, but a necessity.

  • From Small Garden to Thriving Business: The Inspiring Journey of Bernadus, a Farmer from Timor

    Introduction:

    Farming is more than just a profession in Timor—it’s the main source of livelihood for many families. For Bernadus, a 39-year-old farmer from Bijaepasu village, farming started as a humble effort to meet daily needs. But through dedication, learning, and smart financial choices, he transformed his small vegetable garden into a thriving business. This is his inspiring story of growth and hope.

    Bernadus’ Early Days: A Struggle to Meet Daily Needs

    Initially, Bernadus and his wife grew only a few vegetables—mainly eggplants and chilies—in their small backyard garden. They sold their produce to neighbors and earned just enough to cover daily expenses. Life was simple but financially tight. Like many farmers in rural areas, Bernadus lacked access to advanced farming knowledge and capital to expand his business.

    A Turning Point: Training and Financial Support

    Everything changed when Bernadus received training from Wahana Visi Indonesia, a trusted partner of World Vision. The training introduced him to better farming techniques, pest management, and crop diversification, opening new possibilities.

    Motivated by what he learned, Bernadus decided to expand his farm. But for that, he needed capital. He approached the People’s Bank of Indonesia (BRI) and took a loan of Rp 4,000,000. With this money, he improved his farm’s productivity and started selling vegetables beyond his immediate neighborhood.

    Business Expansion and Smart Investments

    Encouraged by his initial success and ability to repay the loan, Bernadus took a bigger step in 2013 by borrowing Rp 20,000,000. This capital was invested strategically. He purchased a water pump for reliable irrigation, upgraded his farming tools, and bought quality seeds.

    In addition to eggplants and chilies, Bernadus added chicory and kangkung to his crops. This crop diversification allowed him to meet different market demands and increase revenue.

    Results: Financial Stability and Family Welfare

    Thanks to his expanded business, Bernadus now earns around Rp 400,000 daily from selling vegetables at traditional markets in several villages. This income covers his family’s daily needs, pays for his children’s school tuition, and allows him to save money for their college education.

    Bernadus’ story highlights the power of education, access to finance, and hard work in transforming rural livelihoods. His success is an inspiration for other farmers in Timor and beyond.

    Lessons from Bernadus’ Journey

    1. Training Matters: Gaining knowledge on modern farming methods can drastically improve productivity.
    2. Access to Finance: Small loans can help scale a farm business if invested wisely.
    3. Diversification: Growing a variety of crops can reduce risks and increase income.
    4. Planning for the Future: Investing profits in family welfare and education secures long-term benefits.

    Conclusion: Farming as a Pathway to Prosperity

    Bernadus’ journey from a small garden to a profitable vegetable farm shows that with the right support and determination, small farmers can overcome challenges and improve their livelihoods. Programs like those from Wahana Visi Indonesia and microfinance institutions such as BRI play a critical role in empowering farmers.

    If you are a farmer or someone interested in agriculture, remember that continuous learning, smart investments, and diversification can open new doors of opportunity.

  • The Urban Farming Revolution: Greg Peterson’s Inspiring Story

    Urban farming model

    Did you know that urban farming can not only help you grow food for your family, but also benefit your entire community and the environment? This is the story of Greg Peterson, who has worked in urban farming for over 40 years and is one of the field’s leading educators and inspirations.

    The Beginnings of Urban Farming

    In 1975, Greg and his family moved into the Weldon House, a small half-acre plot. Greg was just 14 years old at the time. His parents started teaching him gardening—“The right side of the garden is yours, go dig,” his mother said. That’s where Greg first learned to grow cucumbers, carrots, tomatoes, and began planting thousands of fruit trees.

    Permaculture: A New Thought

    After buying his first home in 1989, Greg began taking urban farming seriously. But the real change came in 1991 when he learned about permaculture. Permaculture is a way of farming in harmony with nature, where all elements support each other and nothing is wasted. Greg dedicated his 1/3 acre homestead to full food production, growing vegetables instead of flowers and fruit trees instead of non-food trees.

    A Combination of Education and Experience

    To further enhance his work experience, Greg received a Bachelors of Interdisciplinary Studies in 2004 and a Masters in Urban and Environmental Planning in 2006 from Arizona State University. In 2001, at the urging of a professor, he wrote a mission and vision for his life, and this is when the concept of Urban Farm was formed.

    Contributing to the Community

    Over the past 15 years, Greg has held several farming and gardening classes, opened the Urban Farm to the public, and run a successful fruit tree planting program that planted over 10,000 trees. In 2011, he began teaching Sustainable Food and Farms at Arizona State University.

    Get Connected to Urban Farming

    This story isn’t just Greg’s, it’s yours too. Through UrbanFarm.org, Greg shares knowledge, resources, and inspiration for urban farmers all over the world to help you start your own urban farm.

    There are many problems with today’s agricultural system—we have too much food, but it’s poor in nutrition and harmful to the environment and human health. Urban farmers are a ray of hope in this situation. They’re doing good for their families and communities by growing local, fresh, and chemical-free food.

    Get started!

    So what are you waiting for? Name your urban farm, connect with your local farmers, and be a part of this green revolution. Urban farming will not only allow you to grow delicious and fresh food, but also build a new relationship with nature. What can we learn from Greg Peterson?

    Growing your own food is possible through urban farming: Greg showed that even in the smallest of plots, you can grow fresh, healthy, and chemical-free food.

    Living in harmony with nature is important: Through permaculture, he taught that farming is successful only when we help nature, not fight it.

    Any place can be turned into fertile land: By replacing flower beds and non-edible trees, the entire land can be made edible.

    The power of the local community: Greg planted more than 10,000 fruit trees in his area and built a strong farming community by connecting people together.

    Urban farming protects both environment and health: By growing fresh and nutritious food, we can avoid chemical-laden market food and also protect the environment.

    Continuous learning and experimentation: Greg adopted new methods through books and studies as well as self-experimentation that made him an even better farmer.

    Everyone can become an urban farmer: Greg’s story inspires us that whether you have a small or big space, you too can bring prosperity in your life by farming.

    Your step?

    Now these lessons are for you—make your land or terrace, garden or balcony fertile, connect with local farmers, and contribute to the urban farming revolution.

  • 5 Secrets to Creating the Most Amazing Terrace Garden — From the Father of Terrace Gardening Himself!

    Do you dream of growing your own fresh, organic vegetables but feel lost about where to start? You’re not alone. Urban life often leaves little space or knowledge for gardening. But Dr. Viswanath Kadur, the pioneer of terrace gardening in India, is here to change that. With decades of experience and thousands of happy gardeners inspired by him, Dr. Kadur reveals the secrets to creating a thriving terrace garden, right on your rooftop.

    Who is Dr. Viswanath Kadur?

    Dr. Kadur’s journey into terrace gardening is as inspiring as his garden is lush. An entomologist by profession, he also pursued film production in the USA and returned to India to make agricultural documentaries. But an unexpected flight delay over Bangalore sparked an idea that changed his life — and the lives of thousands of urban dwellers.

    As he looked down at the city rooftops, Dr. Kadur realized how much potential these open spaces had. They could cool the city by covering hot roofs with greenery and bring back the kitchen gardening culture that was fading from urban homes. Inspired, he started growing vegetables on his own terrace, recreating the backyard gardens his family once had.

    Since 1995, Dr. Kadur has been organizing workshops and community events, helping people everywhere to start their own terrace gardens. His team, including urban gardeners like Laxminarayan Srinivasaiah and Dr. Rajendra, has built one of the largest urban gardening communities — with over 23,000 members worldwide.

    Secret #1: Getting the Right Space for Your Terrace Garden

    Your terrace can be a fertile garden space if you plan it right. If your building follows good construction practices, it can support anything from pots filled with vegetables to even trees.

    Use pots for beginners — easy and less risk of leakage

    Create a soil bed or lawn by covering the terrace floor with soil, but waterproof the surface underneath to avoid leaks into your home

    You can experiment — terraces can handle more than you think!

    Secret #2: Use Nutrient-Rich Soil Mix

    The soil you use makes a huge difference in your garden’s success.

    Dr. Kadur recommends a balanced mix of:

    Regular soil

    Compost

    Coir peat (or sand)

    Vermicompost

    Mix all these in equal parts for best results

    After heavy rains, replenish nutrients by adding compost weekly, since water can wash away essential nutrients

    Secret #3: If You’re a First-Time Gardener, Start Small

    Starting your terrace garden can feel overwhelming, but it doesn’t have to be.

    Begin with just one small pot and grow a single vegetable

    Easy veggies like tomatoes and chillies are perfect for beginners as they need minimal care

    Be patient — plants may take a few months before giving you produce

    Gradually expand your garden as your confidence grows

    Secret #4: What Can You Grow in a Terrace Garden?

    According to Dr. Kadur, the possibilities are almost endless:

    Vegetables: Tomatoes, brinjals, chillies, okra, french beans, cucumbers, ridge gourd, bottle gourd

    Root vegetables: Potatoes, onions, radish, carrots, groundnuts (need more space)

    Fruits: Guava, banana, coconut — these have been grown successfully on terraces

    Trees: Even bigger trees can grow if the terrace is strong, but avoid mango trees for beginners as they require lots of care

    Dr. Kadur even shared seeing a coconut tree on a terrace!

    Secret #5: Regular Watering and Enough Sunlight are Essential

    Water your garden twice a day in summer, less in winter depending on soil moisture

    Avoid watering on rainy days or immediately after rain, as excess water drains nutrients from the soil

    Ensure the garden gets at least 4 to 6 hours of direct sunlight daily

    In extremely hot regions, use shading to prevent plants from scorching

    Use rainwater harvesting to save water and make your own compost from kitchen waste for a sustainable garden

    Bonus: Join ‘Oota From Your Thota’ — The Terrace Gardeners’ Mela

    One common problem gardeners face is scattered sources of supplies — seeds here, pots there. Dr. Kadur’s team organizes a quarterly event called ‘Oota From Your Thota’ (OFYT) which gathers everything a terrace gardener needs under one roof.

    Seeds, pots, soil, fertilizers, tools — all in one place

    Workshops, demos, and discussions on organic farming, rainwater harvesting, vertical gardening, solar lighting, and more

    Perfect for beginners and experts alike to learn and connect

    Why Terrace Gardening Matters

    Bangalore alone has over 5,000 terrace gardens, thanks to efforts by Dr. Kadur and his team. Terrace gardening helps:

    Reduce the urban heat island effect

    Provide fresh, organic vegetables within your home

    Reconnect urban residents with nature and food sources

    Create opportunities for income, especially when introduced in slums and schools

    Dr. Kadur envisions a future where urban gardening supports the country’s food needs and reduces pressure on rural farmlands. He also encourages schools to adopt organic farming to teach children the value of growing their own food.

    Final Words from Dr. Viswanath Kadur

    “Put your soul into it, throw seeds and take care of them,” says Dr. Kadur. “Treat your plants like your babies, and they will reward you with amazing harvests.”

    Ready to Start Your Own Terrace Garden?

    Choose your space

    Get the right soil mix

    Start small and simple

    Grow what you love and what’s easy

    Water regularly and ensure good sunlight

    Join a community for support and resources

    Your urban terrace garden can transform your life — giving you fresh food, fresh air, and a fresh perspective. So why wait? Start sowing those seeds today!

  • BaapBeti Farms – A Father-Daughter Journey from Bollywood to Bountiful Harvests

    Category: India Farmer
    Location: Pune, Maharashtra
    Story Type: Real Life Transformation
    Monthly Earning: ₹70,000–₹80,000 from organic farming & farmstay

    From Script Supervisor to Soil Revivalist

    Sneha Rajguru once walked the buzzing lanes of Mumbai’s film industry, working behind the scenes on Bollywood movies like Luka Chuppi and Bulbbul. But behind the scenes of her own life, a deeper calling was growing louder — one that had nothing to do with film sets and everything to do with soil, seeds, and sustainability.

    One day, her father, Anil Rajguru, asked a life-changing question:
    “What do you really want to do in life?”
    The answer wasn’t instant, but it was honest — she wanted to work with the earth.

    The 52-Day Shift That Changed Everything

    In West Bengal, Sneha volunteered at a permaculture farm for 52 days. No phone signals, no concrete buildings — just forest, food, and fulfillment. Living in a tent and eating food grown right on the land, she realized how detached we’ve become from the basics of living.
    “It felt like I had finally found what life was supposed to feel like,” she says.

    This was the seed that eventually grew into BaapBeti Farms.

    The Birth of BaapBeti Farms

    Back home near Pune, Sneha teamed up with her father to revive a 2-acre patch of barren land. With zero chemicals, they brought the soil back to life using permaculture principles — no dig, no waste, and working with nature instead of against it.

    They named the farm “BaapBeti”, Hindi for Father-Daughter — a nod to their shared dream and strong bond.

    How They Built It – One Zone at a Time

    The farm follows a zone-based design for efficiency and ecological balance:

    Zone 1: Home, chicken coop, vegetable garden, toolshed

    Zone 2: Fruits like strawberries, bananas, papayas

    Zone 3 & 4: Grains, medicinal herbs, seasonal crops

    Zone 5: A wild patch left untouched — for birds, insects, and nature to flourish

    They don’t just grow food — they grow an entire ecosystem.

    Health, Healing & Harvests

    Anil Rajguru, now in his 60s, says the farm changed his life too.
    He lost 18 kg, reversed his diabetes symptoms, and rediscovered his purpose.
    “This land gave me back my health and peace,” he says with pride.

    How Much Do They Earn?

    BaapBeti Farms is not about profits — but it still earns:

    ₹40,000–₹50,000/month from selling seasonal organic vegetables and fruits

    ₹30,000/month from farmstays, Airbnb, and educational tours

    All profits are reinvested in the farm to improve biodiversity and soil health

    Why This Story Matters

    In a world chasing speed, Sneha and Anil chose slowness.
    In a world chasing cities, they returned to the soil.
    And in a world full of synthetic living, they chose sustainability.

    Their story is not just about farming — it’s about healing, purpose, and living meaningfully.

    A Message to Other Farmers and Youth

    “You don’t need to be a farmer’s child to be a farmer,” Sneha says.
    “You just need to listen to the earth — and your heart.”

  • Masanobu Fukuoka: The Farmer Who Revolutionized Modern Agriculture with Natural Farming

    Introduction

    Masanobu Fukuoka (1913–2008) was a visionary Japanese farmer, scientist, and philosopher who transformed the way we think about agriculture. He pioneered Shizen Nōhō or natural farming—a method of growing crops without plowing, chemical fertilizers, pesticides, or herbicides. Fukuoka’s approach has inspired the global organic farming movement and offered a sustainable alternative to industrial agriculture.

    Early Life and Family

    Born in Iyo Province, Japan, Fukuoka was initially a microbiologist specializing in plant pathology. Despite a scientific career, he became disillusioned with modern farming’s heavy reliance on chemicals and mechanization. Returning to his family’s farm, he sought to develop a farming system that worked with nature rather than against it.

    Fukuoka lived a simple life with his family. They all supported his farming philosophy and contributed to the farm’s daily work. His wife and children helped with planting, harvesting, and maintaining the natural ecosystem around their fields.

    The Philosophy of Natural Farming

    Fukuoka’s natural farming is based on four core principles:

    1. No tilling or plowing: Disturbing the soil harms its natural structure and microbial life.

    2. No chemical fertilizers or compost: The soil regenerates its nutrients naturally.

    3. No weeding by tillage or herbicides: Weeds are controlled by mulching or allowing nature to maintain balance.

    4. No reliance on chemical pesticides: Natural ecosystems regulate pests.

    He planted diverse crops like rice, barley, and clover together, which enhanced soil fertility and suppressed pests naturally. Instead of preparing seedbeds, he scattered seeds directly on the ground—a technique called no-till direct seeding.

    Farming Routine and Hard Work

    Though his method minimized physical labor, it required close observation and patience. Every day, Fukuoka checked the health of his fields, monitored natural cycles, and adapted accordingly. The farm thrived through natural processes like nitrogen fixation, beneficial insects, and plant diversity.

    His method reduced the need for costly inputs like fertilizers, fuel, and pesticides, cutting expenses dramatically.

    Income and Profit from Natural Farming

    Fukuoka’s farm was about 1.5 hectares (around 3.7 acres). Here’s an approximate financial overview based on his method and scale:

    Average yield: Around 4 to 5 tons of rice per hectare (7 tons total).

    Price premium: Because the crops were naturally grown, they fetched a higher market price—approximately 20–30% more than conventional rice.

    Annual revenue: Estimated between $8,000 to $12,000 (equivalent in Japanese yen) depending on market conditions.

    Costs: Very low, since there were no expenses for chemical fertilizers, pesticides, heavy machinery, or excessive labor.

    Net profit: Considerably higher compared to conventional farms of similar size, due to minimal input costs.

    This income supported his family modestly but sustainably, proving that ecological farming can be both environmentally friendly and economically viable.

    Legacy and Global Impact

    Masanobu Fukuoka’s book, The One-Straw Revolution (1975), spread his ideas worldwide. His work has influenced countless farmers, environmentalists, and researchers interested in sustainable agriculture. His farming style is studied and practiced across continents—from Asia to Europe and America.

    Fukuoka showed that working with nature—not against it—can create resilient, productive, and low-cost farming systems.

    Personal Philosophy and Life

    Fukuoka believed farming was a spiritual journey, a way to reconnect humans with the earth. His humble lifestyle and reverence for natural processes inspire people beyond agriculture, touching on broader themes of sustainability and simplicity.

    Conclusion

    Masanobu Fukuoka’s story reminds us that true innovation can come from respecting and learning from nature. His “one straw revolution” challenges modern agriculture’s reliance on chemicals and machinery, offering a hopeful path toward sustainable food production.