Muni describes the village headman as an unscrupulous, avaricious, and distrustful person.
In the story, Muni only begins talking about the village headman after the foreigner brandishes a hundred-rupee note before him. Muni finds it humorous that anyone would think of asking him to change a high-value note. At least, this is what Muni thinks the foreigner is asking.
Of course, the foreigner is asking no such thing. However, Muni continues talking about the village headman. He contends that the headman is a dishonest fellow; he cheats fellow villagers out of their hard-earned money and hides the ill-gotten gain underneath the floor of his puja (worship) room. Despite his misgivings, Muni directs the foreigner to the village headman. We must remember that Muni still thinks the foreigner needs the services of a moneylender. He advises the foreigner to talk to the village headman himself.
Muni maintains that the headman has always blamed Muni's goats for the theft of his pumpkins. So, Muni describes the village headman as an unscrupulous, avaricious, and distrustful person.