Concept:Starting an oil palm plantation is a capital-intensive project with a delayed return.Explanation:Oil palm trees take several years after planting before they begin producing fruit.The farmer cannot repay borrowed money quickly from early farm income.Such a project needs financing that is repaid over a long period.This type of financing is called a long-term loan.Long-term loans are suitable for plantation establishment, land clearing, and buying heavy machinery.Answer:B. long-term loan