The rebels, who had accused them of being government spies, seized their farm and livestock, leaving nothing to live on and forcing the family to move to Kathmandu to find work and help.
However, her parents work as daily wage labourers in local construction sites and factories earning barely US$2 per day.
Furma and her four siblings are forced to sleep on the cold floor, share their clothes, and eat only one meal a day.
"There is never enough to eat. We're eating less nowadays to save for the coming months," said her younger brother Gautam.
Problems worsening for children
Despite the end of the decade-long armed conflict in 2006, more than 50,000 displaced persons, many of them children, are still unable to go back to their villages [see: http://www.irinnews.org/Report.aspx?ReportId=81302] due to fear of the former rebels and their refusal to return their farmlands.
Thousands of displaced children such as Furma and Gautam continue to live under difficult circumstances with their impoverished relatives or parents in the capital and other cities.
"Most of the displaced children need humanitarian support. Sadly they have been ignored," child rights activist Karna Bahadur Shahi, who runs a shelter for orphans and displaced children, told IRIN.
"Their situation is really bad, especially in the capital, where getting aid support is more difficult," said Shahi, explaining that most aid agencies told him their programmes were more focused on areas outside the capital.
Now Shahi is appealing for help for displaced children through religious groups, both Christians and Hindus. His team also regularly approaches households in the capital for donations of food and clothes.
Education support needed
"The government should at least show some sensitivity towards the plight of the displaced children," said internally displaced person (IDP) rights activist Gopal Bahadur Shah from Maobadi Pirit Rastriya Sangharsa Samiti, a national committee of conflict-displaced families.
"It should introduce education programmes so that they can regularly attend school," he said.
Yet government officials, requesting anonymity, blamed the lack of updated information for a clearer picture of the displaced children's situation.
Aid agencies explained that since displaced children were scattered around the capital, conducting research was difficult.
However, IDPs explained that all the aid agencies and the government had to do was announce their presence and they would gather anywhere and at any time with the children.
"I want to study. I want to go to school," said seven-year-old Hukum Prasad Oli in the capital, where he is living with relatives, who were also displaced from the remote Rukum District, nearly 500km northwest of Kathmandu. Oli's father died while his mother disappeared after leaving him with his aunt.
Some local community schools have tried to help sponsor the education of the displaced and orphaned children such as Oli but have to provide evidence from local government officials in their native villages that both parents were lost in the conflict.