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What should I do if the woman proposes to break up after the engagement and does not refund the money?
This woman is a rogue.

-one is the means of public opinion: let moral public opinion put pressure on them. The specific way is to let the local village Committee or township government know about it and condemn it from public opinion. Generally, someone will come forward to mediate in the village or township;

-the other is to consult legal channels and go to court. As long as you win, your interests can be protected. Unlike what they say, you don't have to pay compensation for taking the bride price money to court. It's not that cheap, don't be afraid.

-If the other party is still strong, it is ok to deal with hooligans by rogue means, such as ruining her wedding ceremony.

However, I don't know if you have hidden other reasons, why the woman is unwilling to return the bride price, and whether she has done anything bad.

-if you feel guilty, you might as well keep a low profile, apologize first, and then communicate and negotiate.