Senior BJP leader Murli Manohar Joshi says in an article that the Rs 60,000 crore loan waiver announced by the UPA government recently may benefit some people but it has left out a large mass of poor people. Besides, there are many other discrepancies in the waiver scheme, he says. In many rain-fed regions, holdings are large because of low productivity. In Bundelkhand, Vidarbha, various places in Andhra Pradesh, the holdings in low productivity areas vary from 3 to 10 or more acres. Average holdings in Vidarbha are 7.5 acres. In Vidarbha alone about 50 per cent farmers are above the limit of the loan waiver scheme. In all such locations of low productivity, a large number of farmers