What are the reasons that make Swapna's situation so risky

What are the reasons that make Swapna’s situation so risky? Discuss factors - pesticides, role of money lenders, climate.
The reasons for Swapm s situation being risky are
(i) Failure of crop due to either poor rainfall (climate problem) or attack on the crop by pests. Pesticides will reduce or eliminate the attack by pests and good rainfall will eliminate the risk due to climate.
(ii) Here the role of moneylenders is important
because they charge high interest rates and also takes away part of Swapna’s land if she defaults
on loan repayment when her crop fails. This will reduce her earning power even further in the future.