5. Farmers have no crop insurance:
It is evident that due to the successive growing of high yielding rice varieties, the soil fertility and subsequently the crop production is declining. Therefore the extension agents have no more strength to advice the farmers to grow HYV (High Yielding Varieties) rice. A vast majority of the extension agents mentioned that the lack of a suitable market, lack of crop price insurance and lack of crop damage insurance for the farmers were also major constraints for extension agents to perform their fieldwork.