NOVELTY - Cost-effective fertilizer comprises oil shale semi-coke (15-19 pts. wt.), potassium dihydrogen phosphate (6-10 pts. wt.), attapulgite powder (12-15 pts. wt.), seaweed powder (27-29 pts. wt.), peat (20-25 pts. wt.), microbial immobilization matrix (1-2 pts. wt.), beeswax (7-10 pts. wt.), and tobacco scraps (34-36 pts. wt.). Microbial immobilization matrix comprises nitrogen-fixing bacteria (3-5 pts. wt.), cellulose-degrading bacteria (1-3 pts. wt.), silicate bacteria (1-3 pts. wt.), quartz sand (10-14 pts. wt.), sorghum flour (34-36 pts. wt.), and fern residue (52-58 pts. wt.).    USE - Cost-effective fertilizer.    ADVANTAGE - The cost-effective fertilizer is required in less amount, and ensures larger output ratio and no adverse effects on soil.    DETAILED DESCRIPTION - Cost-effective fertilizer comprises oil shale semi-coke (15-19 pts. wt.), potassium dihydrogen phosphate (6-10 pts. wt.), attapulgite powder (12-15 pts. wt.), seaweed powder (27-29 pts. wt.), peat (20-25 pts. wt.), microbial immobilization matrix (1-2 pts. wt.), beeswax (7-10 pts. wt.), and tobacco scraps (34-36 pts. wt.). Microbial immobilization matrix comprises nitrogen-fixing bacteria (3-5 pts. wt.), cellulose-degrading bacteria (1-3 pts. wt.), silicate bacteria (1-3 pts. wt.), quartz sand (10-14 pts. wt.), sorghum flour (34-36 pts. wt.), fern residue (52-58 pts. wt.), and Jerusalem artichoke tubers (27-33 pts. wt.), and water. Juice of Jerusalem artichoke tubers is squeezed out, and then mixed with quartz sand, sorghum flour and fern for 10-30 minutes at room temperature. Nitrogen-fixing bacteria, cellulose-degrading bacteria and silicate bacteria, are added to obtained mixture to obtain product having moisture content of 50-60%. Obtained product is fermented for 2-3 weeks at 28-32 degrees C to obtain microbial immobilization matrix. An INDEPENDENT CLAIM is included for a method for preparing fertilizer, which involves:    (A) mixing microbial immobilization matrix and water (5 times the mass of matrix);    (B) filtering obtained mixture;    (C) stirring filtrate at 30-35 degrees C to obtain homogeneous composite bacterial suspension;    (D) pulverizing oil shale semi-coke by 50 mesh sieve;    (E) calcining obtained powder at 750-850 degrees C for 30-50 minutes;    (F) pulverizing peat and tobacco scraps;    (G) adding potassium dihydrogen phosphate, attapulgite powder and seaweed powder to obtained pulverized material;    (H) mixing obtained product with oil shale semi-coke and calcined product;    (I) granulating obtained mixture;    (J) steam heating granules for 4-7 minutes;    (K) cooling granules to room temperature;    (L) melting beeswax; and    (M) spraying beeswax and composite bacterial suspension on granules; and    (N) drying obtained granules at 35-45 degrees C for 2-3 days.