A credit policy for farmers is being misused, often twisted to serve dowry demands and other non-agricultural ends, leading to financial ruin.

Meerut, India – The last of the paint had begun to peel off Mohammad Mohsin’s house two years ago. The faded green, white and yellow paints on the walls still bore stains from last year’s monsoons.

A narrow, 3-foot-tall (0.9 metres) passage only possible to enter by crouching, led from the kitchen into a courtyard lined with buffalo dung, a rusting scooter, and a creaking cot in northern India’s Meerut district, about 100km (62 miles) from New Delhi.

“We will get the house painted when it’s finally wedding time,” Mohsin had said, leaning on an iron shovel, when Al Jazeera visited him in February earlier this year, referring to his sister Aman’s wedding plans.

But the date for the wedding came and went – without it being solemnised.