How to improve Financial Services in Rural areas?

Ever researched how things work out in the rural area. India in particular wherein there is no barrier on the number of children you can have (considered as gift of god). A small piece of land keeps getting divided between siblings till it becomes so small that none of the land owner can make a decent living by just relying on farming on that small piece of land. What does an Artiya do ? He lends to the farmer irrespective of his quality of land informally mortgaged by putting a thumb impression on a blank stamp paper. The farmer goes to the artiya every time he needs money. In turn all his produce is picked up by the artiya at throw away prices. The artiya lends money to the farmer at such a hefty IRR that the farmer always remains in debt. SBI and SBP have in places introduced the Gold Card scheme which is a half hearted attempt to make away with the artiya. However, what also needs to be done is to educate the farmers on financial planning. Weather they actually need to go in for a tractor, etc for a smallish land holding that they have. Pvt sector banks do not find going to rural areas economically viable. There has to be a genuine properly planned effort by people who have actually done ground work research rather than moved around in red light flashing cars squandering the tax payers money, trying to take a decision on something they actually have no idea about.