Most. Nilufa Khatun Associate Professor Department of Agricultural Finance & Cooperatives Faculty of Agricultural Economics & Rural Development Bangabandhu Sheikh Mujibur Rahman Agricultural University, Gazipur-1706 Cell No.: 01714971673 Phone: 029205310-14 (Ext. 2453) Fax: 029205333 E-mail:nilufa@bsmrau.edu.bd