Jumla, April 24 -- Three years after floods swept through ward 6 of Sinja Rural Municipality and washed away his home, Padam Bahadur Rokaya is still grappling with debt and delayed state compensation.

The floods destroyed his five-room house along with clothes, food supplies and household belongings, leaving the family with nothing. They spent around six weeks sheltering at a relative's home before moving to a temporary shelter in a highland pasture area. While no one in the family was killed, the disaster wiped out both their home and livelihood.

The government had announced Rs500,000 in assistance for households affected by floods and landslides. But after waiting nearly 18 months without any clear timeline for disbursement, Rokaya bo...