The reasons for Swapna's situation being risky are
(a) 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.
(b) Here the role of money lenders is important because they charge high interest rates and also will take 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.
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