The town square in the village of Khoraj in India's western Gujarat state isn't much to look at: a small temple, a few parched trees, an empty meeting hall where the electricity has gone out again. But on a warm December morning, there are a few new additions to the dusty crossroads where farmers amble by: three brightly colored kiosks where competing banks have come to woo new customers like Mahesh Chawada, a 45-year-old farmer who just received a $262,000 check from the state for his 5 hectares of wheat...
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