Should he work in agriculture with a riba-based loan?
Question

                I hope that you can answer my question because I am confused about my situation 

The state has set up a program to help the farmers with a riba-based loan. 
When they come to check on us after the end of the growing season, there is one of the following choices: 

1-    I will not be penalized but I will be left with no income, knowing that I am sponsoring my family. I have some cooperative rural land but I do not have enough capital to cultivate it.

2-    I may be adversely affected by losing the expenses for submitting the application, which is compulsory, between 80-800 Saudi riyals, even if I do not take the loan.

3-    Or the penalty may be that my ownership of the land may be taken away on the grounds that the land belongs to the one who serves it. 

Please answer me, may Allaah reward you, on the basis that I already know the legal penalties.
Praise be to Allah.Riba (usury, 
    interest) is a major sin, which is forbidden according to the Qur’aan and 
    Sunnah and the consensus of the Muslims. 
Allaah says 
    (interpretation of the meaning): 
“Allaah 
    has permitted trading and forbidden Ribaa”

    [al-Baqarah 2:275]
“and give 
    up what remains (due to you) from Ribaa (from now onward) if you are 
    (really) believers.
279. And 
    if you do not do it, then take a notice of war from Allaah and His Messenger 
    but if you repent, you shall have your capital sums. Deal not unjustly (by 
    asking more than your capital sums), and you shall not be dealt with 
    unjustly (by receiving less than your capital sums)”

    [al-Baqarah 2:278-279]
It was 
    narrated that Jaabir (may Allaah be pleased with him) said: The Messenger of 
    Allaah  (peace and blessings of Allaah be upon him) cursed the one who 
    consumes riba, the one who pays it, the one who writes it down and the two 
    who witness it, and he said they are all the same. Narrated by Muslim 
    (1598). 
You are not 
    obliged to take part in the government program, so you are not obliged to 
    acquire the riba-based loan in order to engage in agriculture. 
If working 
    in agriculture is becoming too difficult for you, and you are obliged to 
    seek a riba-based loan, then look for another source of income. Allaah says 
    (interpretation of the meaning): 
“And 
    whosoever fears Allaah and keeps his duty to Him, He will make a way for him 
    to get out (from every difficulty)”

    [al-Talaaq 65:2]
Harm that 
    befalls one in this world is not comparable to harm in the Hereafter, and 
    losing wealth in this world is easier than losing one’s religious 
    commitment. 
Allaah 
    included the believers in the command that He enjoined upon the Messengers, 
    to seek halaal provision and eat good (halaal) food. Allaah says 
    (interpretation of the meaning): 
“O (you) 
    Messengers! Eat of the Tayyibaat [all kinds of Halaal (lawful) foods which 
    Allaah has made lawful (meat of slaughtered eatable animals, milk products, 
    fats, vegetables, fruits)] and do righteous deeds. Verily, I am 
    Well‑Acquainted with what you do”

    [al-Mu’minoon 23:51]
al-Qurtubi 
    said: 
Here Allaah 
    addressed the Prophets and the believers alike with the command to eat 
    halaal and avoid haraam, then He addressed the implied warning to all of 
    them too, in the words “Verily, I am Well‑Acquainted with what you do”.  
    May Allaah send blessings upon His Messengers and Prophets. 
Tafseer 
    al-Tabari (12/128) 
Islam urges 
    us to seek that which is halaal and avoid that which is haraam. Our Lord 
    tells us that He is the Provider and the Almighty Who is able to provide for 
    whomever He will without measure. 
It was 
    narrated that Jaabir (may Allaah be pleased with him) said: The Messenger of 
    Allaah  (peace and blessings of Allaah be upon him) said: “Do not 
    despair of receiving provision, for no person will die until he has received 
    the last of his provision, so fear Allaah and be reasonable in seeking 
    provision; take that which is halaal and forsake that which is haraam.” 
Narrated by 
    Ibn Hibbaan (8/32) and al-Haakim (2/4). Classed as saheeh by al-Albaani in
    al-Silsilah al-Saheehah (2607). 
And Allaah 
    is the Source of strength.