In a country where most farmers depend on rain to feed their crops and guarantee their harvests, that question is omnipresent: It's about survival. And there's no sure way to answer it.
But there is a way to manage the uncertainty it breeds, and Biru, with steady steps, is slowly freeing herself from the constraints of an increasingly erratic climate. Her tools? An entrepreneurial drive and—now—weather insurance for her crops through a program that has grown to reach more than 13,000 farmers in Tigray since its launch in Adi Ha in 2009.
Biru, a 50-year-old mother of six children, was among the first farmers in this rocky northern region to invest in the insurance when Oxfam America, together with the Relief Society of Tigray and a host of partners, began offering it as a way to help families build resilience in the face of repeated drought. If there is insufficient rain during a critical period of the growing cycle, farmers will receive a payout for the crop they have insured.
And even those too poor to have cash on hand can get insurance: They can pay for their premiums in exchange for working on projects that help their communities reduce the risk of future disasters , such as by planting trees to preserve the topsoil. Of the 13,195 farmers now insured, 91 percent of them, or 12,064, are trading their labor for their premiums. And many of the households that have bought insurance are headed by women—3,610 of them.
Biru has been able to pay for her insurance with cash. This year, she bought a package for 200 birr, or about $11.75. It will cover her teff, a tiny grain and a staple of the Ethiopian diet used to make a bread called injera.
In Adi Ha, the weather has not been severe enough—yet—to trigger a payout. But Biru is convinced that investing in insurance is a smart move and that the program should be scaled up to reach farmers in other parts of Ethiopia. Without the cushion insurance provides, families who lose their harvests and have nothing to fall back on could be forced to migrate far from their homes or to sell precious household resources—like a cow—to buy food.
"This insurance is very good," said Biru. "It's saving our assets in a bad year."
And perhaps it's that confidence that is also helping her take other well-considered risks that are allowing her to build a more secure future for her family.
In 2009, the first year weather insurance was available, Biru joined a group of 10 farmers and together they bought a pump to irrigate some of their crops. Her contribution was 4,000 birr—or about $235. In 2010, with the proceeds from an abundant harvest of peppers, Biru was able to pay off the loan for her share of the pump.
Soon after, she took an even bigger plunge: With a new loan, she invested 14,000 birr, or about $823, in her own pump, available to use whenever she needs it. In August, she had already reaped 2,000 birr-worth of peppers from her field, and was looking forward to continuous harvests in the future.
"This is more productive compared to maize," said Biru. "Maize you harvest once. This you harvest every week."
Peppers won't be her only cash crop from this newly irrigated land. Scattered amidst the plants are 60 orange tree seedlings and 30 mango tree seedlings.
"If we manage it very well, we can start the first harvest (from the trees) after four years," Biru said.
For all Biru's progress, farming in Tigray is not an easy undertaking. And one of the biggest challenges, she said, is the cost of fertilizer. The price keeps climbing.
"It's 1,000 birr per quintal (or about $58 for 220 pounds)," said Biru, recalling when it was a fraction of that price two decades ago. "Our land can't perform well without fertilizer, but fertilizer is very expensive…Most of our money is invested in fertilizer."
But most of her pride is invested in her children: all six of them have been able to attend school. Her oldest son has a degree in accounting and a daughter has a degree in engineering. Three of the others are still making their way through, while a middle son has decided to stop his education and assume—eventually—responsibility for his parents and the land they have worked so hard to cultivate.
Weather insurance may make his job, and the job of countless farmers like him, easier in the years ahead. The initiative is now set to expand into three new countries with the help of the World Food Programme. And its focus has broadened to promote a variety of tools that will help rural families build their resilience including access to credit, the encouragement to save, and steps to reduce the risks of disaster.
]]>For days, a small team of local aid providers has been delivering essentials like tanks of clean water, sanitation and hygiene supplies, and cooking equipment to the shelters, expanding and complementing the National Civil Protection System. Their initial action was so swift that by the time the president declared a national state of emergency, thousands of displaced people were already benefiting from their work.
The aid workers are members of Salvadoran organizations, groups that are willing to put all their other work on hold when disaster strikes. And they are not just foot soldiers—they are experts, able to survey a shelter in the midst of an emergency and within hours get key relief materials delivered and water tanks installed that meet international standards for quality.
“There is this core of ten or fifteen people on the team who are working day and night,” says Karina Copen, Oxfam’s humanitarian program officer in El Salvador. “They’re so dedicated."
The core team on the ground is never entirely alone. All across the country, they are supported by community leaders who have been trained in the basics of caring for the public health needs of their people during emergencies. And they are backed by Oxfam.
For the past four years, Oxfam has led an effort to build the capacity of local Salvadoran communities, municipalities, and aid groups for handling emergencies like earthquakes and floods. Multi-day seminars and hands-on disaster simulations have helped transform the desire to help into hard-core expertise.
“In some ways, it would be easier to bring in a team of Oxfam specialists to do the work in emergencies,” says Copen. “But it wouldn’t be nearly as effective.”
“In a disaster, communities are the first responders,” she explains. “Before local or international aid agencies or government officials arrive, the affected communities need to make decisions and act.” So, training community leaders in the basics of public health—organizing shelters, maintaining sanitary conditions, and making sure people are drinking clean water—has been a top priority.
Training a core team of water and sanitation specialists has been even more labor-intensive, but everyone has benefited.
“In this emergency, team members have been able to come up with accurate technical assessments and then implement the response,” she says.
Confident in the team’s ability to handle the work on the ground, Copen and colleague Enrique García, Oxfam’s regional humanitarian coordinator, are able to focus on coordination.
The result: an effective and smooth-running disaster response that draws energy from its own success. “The people we’ve trained are not sitting around waiting for someone to tell them what to do,” says Copen. “They know how to help their communities, and they are stoked.”
Now that the rains have eased and the sun has appeared, everyone in the shelters is eager to go home.
But the emergency doesn’t stop here. In the region known as the Bajo Lempa, the floods struck harder than anyone had seen in many years. Towns and villages are still deep in muck, their wells contaminated and their latrines flooded.
Now, Oxfam and the team are turning their attention to making home communities safe. The most pressing need, says Copen, is potable water.
There’s more to face: food shortages may threaten the recovery. Forty percent of the corn crop and 77 percent of the bean harvest have been lost to the floods, and prices are shooting up already. Oxfam is exploring ways to address the most urgent needs.
After days of ceaseless work, Copen sounds tired but hopeful.
“I’m always moved by the commitment of our partners, but this time I was also moved by the communities. They’re organizing themselves. They haven’t slept. They’re tending to each other’s needs. And they’re going back to their homes to start again.”
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]]>The mega floods of last year would have challenged any government, but the emergency response led by Pakistani authorities saved thousands of lives. However, Oxfam has expressed concern about the pace of recovery and reconstruction, which has left millions of people unnecessarily exposed to another disaster.
Husna La Shari is one survivor who is struggling to rebuild her life in Khawand La Shari in Shikapur, Sindh. Her family and community were hit hard by the flooding last July. Husna has 7 children and an elderly husband. She is responsible for providing for her entire family as her husband is too old to work. Before the floods last July, she worked on fields farming and harvesting. But after the floods, the fields are no longer fertile and Husna is struggling to feed her family. Oxfam is working in Husna’s village providing latrines and rehabilitating water pumps. Husna took part in Oxfam’s Cash for Work program in her village, clearing rubble and cleaning irrigation channels in the fields.
“It was difficult for me before the flood and it is now more difficult for me as there is no farming or harvesting. We cannot cultivate the land here this year… PDI (Oxfam’s partner) came and gave us money for doing labor. We collected whatever remained of our houses and we put it all in one place and together we cleaned the village. My husband was not capable, so I did it, I earned the money. PDI gave us kitchen pots, blankets, quilts and buckets and we are thankful as they helped us a lot. I am still in trouble to get food. How will I feed my family?”
Around 37,000 people affected by the 2010 floods are still living in camps in Sindh alone; and across the country, many of those who have returned to their villages have inadequate housing, with some still living in tents. More than 800,000 families are still without proper homes and many flood defenses, such as river embankments, destroyed in last year’s floods, have not yet been properly repaired. This increases the likelihood of breaches in future floods. For example, embankments in Sindh province have reportedly been increased by only two or three feet rather than the recommended six feet.
Neva Khan, Head of Oxfam in Pakistan, said:
“Pakistan needs to act now. Investing in measures today that reduce the impact of disasters is essential to save lives and safeguard development gains in the future. It will ensure schools built with aid funds are not washed away and that farmers can keep the crops they have toiled over. A year after Pakistan’s mega floods it’s time we learned this lesson.”
For children in the Shikapur district of Sindh, playing an interactive game is one way to avoid the risk of illness which often comes in the wake of a natural disaster. Julia Moore, a hygiene promotor for Oxfam, teaches children basic hygiene activities such as washing their hands and faces and showing them how to use a latrine.
“Pakistan is a disaster-prone country and has been flooded 67 times since 1947. Climate change will only increase the threat of floods. But while floods and earthquakes are inevitable, widespread devastation is not. For years, not enough has been done to protect ordinary Pakistani men, women, and children from disasters before they strike.” Says Kahn.
Lives and scarce resources could be saved in the future if the Pakistan government, with support from international donors, invests more in measures to reduce the impact of disasters. This could include flood resistant housing, and effective early warning systems – especially at the village level. In order to implement these programs, more funding is needed for local authorities and organizations that play a frontline role in preparing for and responding to emergencies.
]]>As Pakistan faces another monsoon season and the likelihood of more disasters, the country is not prepared. Many factors which have hampered the relief and reconstruction effort are still present, such as an inadequate disaster management system and a lack of emergency relief co-ordination and leadership. These institutional challenges must be resolved as soon as possible. The government and donors need to invest heavily in measures to reduce disaster risks such as better early warning systems, flood control, and more resilient housing. They should also tackle the underlying social inequalities which leave people vulnerable to disasters through a pro-poor national development plan. Spending on risk reduction and preparedness not only saves lives and livelihoods but hugely reduces the economic impact of disasters.
]]>For natural disasters, this assessment of risk is based on detailed modeling and analysis of historical data on the frequency and severity of all manner of disasters. In this report, we examine how homeland security policy could be revised to accommodate climate change impacts on socially vulnerable populations in the Mississippi Delta region and the Gulf Coast, building on the 2009 Oxfam America report, "Exposed: Social vulnerability and climate change in the US Southeast."
]]>Whenever an earthquake or hurricane hits, it is the poorest people who face the greatest risks. They often have no choice but to live in substandard housing that is not built to withstand the intensity of a high-magnitude quake or flood. This means poor and marginalized people are often more vulnerable to injury and death. To make matters worse, often those who do survive have the fewest material resources to recover from disasters. While earthquakes and hurricanes cannot be prevented, the fact that poor communities are disproportionately affected is not a natural condition. It is a human-made problem that results from cultural, socio-economic, political, and institutional factors.
Haiti has a painful history of political instability and humanitarian disasters. The country is still recovering from four serious storms that hit within a few weeks of each other in 2008. Hurricanes and earthquakes exacerbate extreme poverty: they damage neglected infrastructure like roads and drinking water systems, and further degrade the environment. The effects of the January 2010 earthquake will be felt long after the initial recovery period. Survivors—making do with limited resources—face years of hard work to recover. However, disaster losses in the short and long term can be substantially reduced by taking measures to decrease peoples’ vulnerability and build their resilience in the face of hazardous events, whether it is improving immediate living conditions or addressing all the underlying causes of poverty that contribute to increased suffering at the time of emergencies.
Oxfam has been working in Haiti to create sustainable means of earning a living, help Haitians reduce their vulnerability to disasters, and strengthen and support people’s ability to hold their government accountable. These long-term efforts meant that, when the earthquake hit, we already had staff on the ground ready to work with local organizations to respond to the humanitarian crisis.
No country can fully withstand the impact of an earthquake like the one that has rocked Haiti, especially a nation saddled with deep poverty and minimal infrastructure. We know that the communities we work with are strong and determined and will respond to this disaster as they have others. We have a shared responsibility to ensure that Haitians have the resources they need to avoid unnecessary suffering, both now and in the long run.
Help now by donating to our Haiti Earthquake Response Fund.
]]>More than 6 million farmers across the country grow teff, but it’s here, in rugged Adi Ha, where rocks litter the fields like confetti, that this new kind of insurance may take root and spread. An initiative coordinated by Oxfam America and supported by more than a dozen partners, its goal is to help some of the world’s poorest farmers bounce back when drought destroys their crops. And the payout isn’t only in cash. It’s in confidence—the kind that may help propel people out of poverty.
“Without insurance, poor farmers who experience drought might run through all their savings, fall into debt, or sell their livestock and other valuables—often to ruinous results,” says Mengesha Gebremichael, the micro-insurance officer at the Relief Society of Tigray and one of the project’s managers. “In contrast, insured farmers will be more resilient to those shocks. They’ll be in a better position to take out small loans that could help them make big improvements in their next harvest—loans for things like high-yield seeds. They’ll be more confident that they can pay the money back knowing they have insurance to support them if trouble strikes.”
June to October marks the main rainy season in Adi Ha, a critical time for local farmers who depend on the skies to water their teff fields. For poor families living close to the edge, where even a $20 or $30 loss can push them over, there is no room for mishap. Without rain, they face disaster. That’s where the weather insurance comes in. If a certain amount of rain fails to fall at a certain time, farmers who have purchased the insurance can receive a payout to help cover their losses.
In Ethiopia, families have always had traditional ways of coping with extraordinary expenses. If they lose their livestock in a disaster, such as drought, those who are better off will contribute an animal or two to help them rebuild their herds, for instance. Families may also share seeds for planting, or food when it’s in terribly short supply.
But with climate change—and the erratic weather that it brings—the traditional means of surviving bad times may no longer be enough.
“Climate change is dramatically increasing agricultural risk across the planet,” says Marjorie Victor Brans, a senior policy advisor at Oxfam America. “The frequency of droughts and other shocks in Adi Ha is likely to increase, and poor farmers will be among the hardest hit. It’s a hugely challenging phenomenon.”
With 85 percent of Ethiopians employed in farming, much of it rain-fed, the need for new tools to manage the risks is huge. But the market for insurance is miniscule: only about 300,000 people in a country of nearly 80 million now have it. Extending the option to rural areas is loaded with challenges, not the least of them being the concern that poor farmers simply don’t have the money to pay for premiums—even the smallest one.
This new program has solved that problem with a simple solution: It has arranged for the poorest farmers to use their labor to buy insurance, tapping into a new social security initiative the Ethiopian government launched a few years ago. Called the Productive Safety Net Program, or PSNP, it helps about 8 million of the country’s most vulnerable residents by providing them with food or cash in exchange for work. Through the PSNP, 130 Adi Ha farmers are now working extra days on community projects, such as planting trees and grasses to promote soil and water conservation, to pay for their premiums. In this pilot year, Oxfam provided funds to the PSNP to cover this part of the project.
The option to trade labor for insurance has substantially boosted the number of farmers able to participate in the program, nearly doubling the enrollment that was expected.
“It’s good for me to have the insurance as long as I can work and pay with labor,” says Medhin Reda, a single mother who will be working 24 days for her premium. “That is the only asset I have.”
For Selas Samson Biru, who is spending 192 birr on insurance, it will help address the uncertainties that have always been part of farming, especially now that global warming may be altering familiar weather patterns.
“Our season is changing. We don’t know when there will be a bad year and when there will be a good year,” she says. “I believe, after taking the training, this insurance will be helpful during the bad season. This will pay me.”
And the insurance may be extra helpful because it was tailored specifically for farmers like Biru. In fact, she was one of five community members chosen by villagers to join the insurance design team. Twenty-one other farmers participated in a series of test workshops on climate change and financial literacy. Focus group discussions and economic risk simulations carried out in the community helped the design team understand what kind of insurance product would work best in Adi Ha. And on the day of enrollment, about 600 farmers showed up for a host of activities explaining the offerings, including musical performances, a play, peer-to-peer outreach, and financial training.
“Today is a historic day for the farmers of Adi Ha,” said Brans as the activities wound to a close that day and organizers counted the final tally of takers. Among the 200 were 75 women, which represents about 22 percent of all female-headed households in Adi Ha—one of the most vulnerable groups the project is aiming to help. On average, farmers are paying 138 birr for their premiums—or a little more than $12 each. Some chose packages that allowed them to pay as little as 76 birr, or about $6.75. The maximum premium was 288 birr, or just over $23.
“We are experimenting,” said Gebru Kahsay a few months after investing 192 birr into an insurance package. “We started with teff. If we find the insurance is good, we’ll continue. If we fail, we will take a lesson from it.”
Lots of learning has already taken place during the 18 months Oxfam and its partners spent in preparation for the launch of this project. And each of those partners has been contributing its own expertise. Besides the Relief Society of Tigray, or REST, one of the largest aid groups in Africa which has worked closely with the people of Adi Ha, other partners include the Nyala Insurance Company, an Ethiopian firm that is providing the insurance; Swiss Re, one of the world’s largest insurers which has helped fund the launch and is providing technical expertise; and the International Research Institute for Climate and Society at Columbia University, which is providing research on climate data. Additionally, the Dedebit Credit and Savings Institution, or DECSI, the primary provider of loans to families in Adi Ha, helped both to design the pilot and to educate farmers about the pros and cons of insurance.
“We had to work very hard to design a risk management package that was affordable and attractive to farmers, while still being potentially profitable to the insurance industry,” says Bekabil Fufa, an agricultural expert in Oxfam America’s Horn of Africa regional office. “And we had to make it compelling to government and donors who feel it will address the threat of climate change.”
With a solid model now in place, Oxfam is planning in the coming year to expand the initiative into four new villages in Tigray--the region where Adi Ha is located—and into one village in Amhara, another drought-prone region to the south. Eventually, the project partners would like to see weather insurance offered to poor farmers throughout Ethiopia.
It will require a leap of faith by farmers across the country as well as support from the government, donors, NGOs, and the private sector,” says Gebremichael. “But given the long lead times required to build resiliency to climate change, we can’t afford to wait until tomorrow to try.”
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