But Shehnaz’s distant relative, Mohammad Arman, 44, sees it differently. He’s a plumber working in Delhi and Noida high rises, with a crushing debt of Rs 60,000, which he must repay in 24 remaining instalments of Rs 3,200. His monthly income is roughly Rs 15,000, which supports him and his wife, who lives in Rampur Kodarkatti in Araria, raising their seven children. But he has no regrets—the loan was to purchase the land on which his family lives, so well worth it. But he also says that he’s the one who decides what happens at home—who can go where, when and for what purposes, for example. Everything is dictated by him over the phone from Delhi to his wife. She, though watching him speak from a distance, refuses to utter even a word.