We met Jaya Ram Chaudhary on the main road through Mayurbasti Village in Bardiya District. Krishna and I had just finished lunch and were taking a walk, Jaya Ram was just returning from a morning of debt collection.

Jaya Ram Chaudhary is the leader of a farming collective that has more than 500 members and hands out loans of up to $1,000, which for a farmer in Nepal is a lot of money. We had been meaning to meet with Jaya Ram later in the day, but when we happened to meet he invited us back to his house and we happily went along with him.

While the collective offers so much hope and possibility to its farmers, the reality is more than half of those that take loans can never pay them back. In Jaya Ram Chaudhary’s opinion most of those who default on their loans really want and intend to pay the loans back but just cannot. He bases that opinion on the hours he spends on his bike visiting those who had taken loans and learning first hand about their situations.

While we were talking one of Jaya Ram’s daughters came in to join us. She gave me the intense stare that most two year olds fix on people who look as different as I do. While I tried to meet her stare, I found myself distracted by another face that appeared just outside the window behind her. To my surprise, the two faces appraising my pale skin and blue eyes were impossible to tell apart.

During a lull in the conversation I asked Jaya Ram about his daughters, and as it turned out I had not been mistaken and his daughters were identical twins. With a bright smile as he pulled his daughter onto his lap, Jaya Ram explained “I wanted two children, but God decided I should have three.” Luckily for Jaya Ram he knew exactly where to get a loan to help deal with the extra costs of having twins. While the collective system is not perfect and incurring debt is not the best plan for anyone (note to myself…I should heed my own advice) the loans given by the collectives across Nepal offer a way out of the complicated situations that life throws our way as well as some help for farmers and their families to buy the supplies they need to improve their situations.