NOVELTY - Microbial inoculum comprises various strains comprising 0.5-2 pts. wt. Bacillus subtilis, 0.5-2 pts. wt. Streptomyces microflavus, 0.5-2 pts. wt. Trichoderma longbrachiatum, 0.5-2 pts. wt. Aspergillus niger and 0.5-2 pts. wt. B.mucilaginosus, where the inoculum comprises viable cells count of 5\108 cells/g.    USE - The microbial inoculum is useful for decomposing rural household garbage and sludge e.g. biodegradable cellulose, starch, protein and deodorant, which is useful for cultivating crop, preferably cabbage by preventing wilt caused by Fusarium (claimed).    ADVANTAGE - The microbial inoculum improves cabbage yield to 17.9%, and exhibits Ascaris and fecal Gram negative coliform mortality rate to 100%.    DETAILED DESCRIPTION - INDEPENDENT CLAIMS are included for the following: (1) usage of the above-mentioned microbial inoculum, by (a) adjusting nitrogen ratio of rural garbage and sludge to 25-30:1, and 55-60% water and uniformly adding 1 kg inoculants to for every 5 square rural garbage and sludge, (b) piling the pretreated rural garbage and sludge in trapezoid having top width of 1 m and bottom width of 2 m, where the piling is performed in summer and autumn to a height of 0.8-1 m, and winter and spring to a height of 1.2-1.4 m, (c) placing the piled materials at a depth of 20-30 cm, fermenting the mixture at 55 degrees C, turning the fermented mixture, adjusting ratio of water of the fermented mixture and stirring the mixture, (d) fermenting the mixture for 3 days, and (e) repeating the above-mentioned process by maintaining same outdoor temperature and reactor temperature for 15-25 days until to obtain mixture comprising water content to 30% or less; (2) decomposed matrix comprising the rural garbage and sludge and the above-mentioned microbial inoculum; and (3) method for preparing the above-mentioned decomposed matrix, involves mixing 40-60 pts. wt. rural garbage, 20-40 pts. wt. sludge and 5-15 pts. wt. corn stalks and maintaining moisture content of the above-mentioned mixture to 50-60%, (b) adding 1 kg microbial inoculum for every 5 square of rural garbage and sludge, (c) piling and stacking the mixture as in the above-mentioned step, (d) placing the piled mixture at a distance of 20-30 cm deep for 3 days, fermenting the mixture at 55 degrees C for three days and turning the fermented mixture, (e) turning the mixture by transferring upper portion of the mixture to lower portion and lower portion of the mixture to upper portion, uniformly blending the mixture and crushing the fermented mixture to form lumps, (f) adding 1 kg B.mucilaginosus per square of the fermented material, (g) maintaining the moistureness of the mixture to 30% and fermenting the mixture at 15-20 days or 25-30 days during winter season, and (h) crushing, screening, testing, weighing and packaging the fermented product, where the matrix has 45-55% organic matter and 5% nitrogen-phosphorus-potassium mixture and the matrix has viable count of 0.2\108 cells/g.