On what terms did Savita get a loan from Tejpal? Would Savita's condition be different if he could get a loan from the bank at a low rate of interest?

Savita is a small farmer who plans to cultivate wheat on her land, for this she needs seeds, fertilizers, pesticides, farm instruments. She needs cash to purchase the above, so she asked Tejpal Singh a large farmer for some money as a loan. He agrees to give her loan on a condition that she would pay 24% interest rate for four months and work as a laborer during harvest season at Rs35 per day.

If she would have approached the bank, then she would have got a loan at the lower interest rate, and she would not be bound with any condition of working on others field.