Why Poor Village Families Cannot Get Out of Debt

Village life might look peaceful from the outside. You see green fields, small homes, and quiet roads. But for many poor families, it is a daily struggle just to make ends meet. Even though the government says they are helping with loans and schemes, the truth is, that help rarely reaches the ones who need it most.

One big reason is caste. In many villages, people from higher castes control everything. If you are from a lower caste like Dalit or tribal, you are often pushed aside, treated badly, or even asked to pay bribes just to get basic help. It is unfair, but it still happens.

Being poor adds more pain. Rich villagers know the system. They know who to talk to and how to get what they want. But poor people do not understand all the rules, cannot afford travel, and are often tricked. Sometimes they get a loan, but only part of it. Imagine borrowing eight thousand rupees and receiving only five thousand. Yet they still have to repay the full amount with interest.

In faraway tribal areas, the help makes no sense. The government gives cows to people who do not even use milk. Still, they have to repay loans for it.

With no real help, poor families turn to local moneylenders. These lenders give money fast but charge such high interest that it feels like a trap. People spend years trying to pay it back. Some even lose their land or freedom.

Until something truly changes, poor families will keep sinking deeper into debt.