Mema Fwa lost her entire yield this season. Rabiu Musa cannot pay back his $2,000 (£1,500) loan because of a failed harvest.
Climate change is wreaking havoc on farmers in northern and eastern Nigeria, contributing to growing food insecurity for millions this year, says the UN's Food and Agriculture Organization.
Reporter: Azeezat Olaoluwa
Producer: Yusuf Akinpelu and Ellen Tsang
Filmed and edited: Gift Ufuoma