It did not have to be this way.
About 190 miles east of Yabello in the Liben District of the Guji Zone, a group of people have managed to escape this horrible fate through a project that helped them create a new means of earning a living while maintaining their pastoralist way of life. A small-scale irrigation initiative, supported by Oxfam America and its partners, has allowed the dream of some of the people of Melka Guba and to become a reality: They are now growing enough food to ensure their families can eat.
Here, in late August, things look much different from the surrounding areas. Smiles brighten the faces of men, women and children, and healthy cattle graze on the dried corn stalks and leaves strewn across the fields from the recent harvest.
In response to a 2008 drought that hit this region hard, Oxfam America worked with a local partner and the regional government on an emergency and recovery project that helped link disaster relief to longer-term development. The first phase focused on saving lives and livelihoods. This was followed by steps that helped villagers analyze their situation and reorganize themselves with a goal of building their assets and strengthening their means of making a living. That is when the people of Melka Guba decided to diversify their livelihoods: In the face of a changing climate they determined to try farming with the help of the new small-scale irrigation network along the nearby Dawa River.
In spite of the fact that this herding community had little prior experience with irrigation, the 64 hectares of irrigated land have now become a life line for more than 201 households in the area.
Mero Abdo, a 30-year-old mother of three, said, “I thank the day I joined this irrigation project. We see how others are suffering everywhere, but my children go to sleep full. I feel really happy I can even help others who are not part of the irrigation community and are having a problem feeding their children.”
Revered by her community, Abdo is a strong woman and one of the first 101 women selected to participate in the irrigation project.
“I was excited from the beginning since I used to hear about irrigation on the radio and I knew it would change our lives,” she said. Abdo not only serves as a member of the irrigation management committee as well as its treasurer, but she is one of the few women to take on all farming activity on her own.
For most of the participants, this third harvest was their best yet. Abdo managed to produce 14 quintals of corn on a quarter hectare of land (about .6 acres), more than from either of the previous two harvests.
“I used the line-sowing technique this year and produced more,” she said. “I plan to use seven quintals to feed my family and sell the rest to pay for my children’s school, buy cattle, or start a small trading business.”
Abdub Bora, a 40-year-old farmer and father of eight, proudly showed us his traditional storage silo filled to the brim with corn from his last harvest.
“This time I produced 15 quintals of corn on my quarter hectare of land,” said Bora. He told us he is planning to use eight quintals and sell the remaining seven quintals to meet the other needs of his family. “I have eight children and four are still in school. I will use the money to buy books and use some of it in case my family gets sick,” added Bora.
Bora’s wife lives in Melka Guba, about 10.5 miles from the irrigation site, where their children can attend school.
“We don’t mind the separation. The main thing is to have enough to eat and allow our children to finish school,” said Bora. “My wife brings me food I can easily cook here and she even comes and works with me during the busiest farming season.”
The reach of this irrigation project spans further than the community itself. Thanks to the river-fed harvest, the households participating in this project are one of the few sources of corn seed in the Liben District.
When the project started, each of the 201 households were allotted a quarter hectare of irrigable land in accordance with government regulations. But not everyone was convinced the irrigation would work and some abandoned their plots. To avoid wasting water, the irrigation management committee offered those plots to neighboring farmers who would be capable of using them.
Hussein Gufar, a 44-year-old father of six, was one of the lucky ones who received one of the adjacent parcels. During the most recent harvest, he produced 25 quintals of corn on a half hectare of land (about 1.2 acres).
“We said this could change our fate,” said Gufar, who is a member of a task force that ensures the daily operation of the irrigation system. “We were not sure at first but now we have more confidence and plan to work even harder.” A pile of corn sacks in the middle of his field is proof of his commitment and hard work.
Beyond the families the project has helped, it has also blessed the community’s most valuable asset—the cattle, which now feed on the stalks and leaves left after the harvest.
“We are not only able to feed our animals but we sell the rest of the maize residue to the surrounding community for additional income,” added Gufar. The price of that fodder has increased four times in one year which reflects the desperate situation most of the surrounding community is in.
The irrigation effort is not without challenges and does not address all of the community’s needs. Community members are aware they will have to work together to reap the maximum benefit of this investment. Some of the concerns they have expressed include the high cost of transportation, which limits farmers to growing only longer-lasting produce, such as onions; the rising cost of generator fuel; and minimal support from the government in terms of providing training and helping connect farmers with markets.
“We are now only producing onions and tomatoes for home consumption. If we could reach the right market and access reasonable transportation, we could earn more money and increase our income,” said Gufar.
During the last harvest, the irrigation participants contributed 10,700 birr ($629) of which 10,000 ($588) was used for generator fuel and to pay for the seeds some had borrowed.
Many efforts are underway to improve the quality of life in the area. Among other things, this project fostered the construction of a three-room school that is managed by the pastoralist commission. In addition, a health post is also being planned for the site.
Melka Guba farmers are eager to start the next planting season. To use the irrigation system efficiently, all their plots need to be ready for sowing at the same time—so water isn’t wasted. Farmers are now working on that coordination.
And along with the irrigation has come something else: peace of mind. Project participants can now have access to food all year round. They will no longer suffer the harsh consequences of drought nor be dependent on others to feed their families.
]]>The airlift will include water tanks and pipes to set up water points across the capital city as well as tons of soap bars and 12,000 jerry cans so people can carry and store water. There is sufficient aid to reach over 120,000 people.
Oxfam partner organization, Hijra which operates in Mogadishu and the outskirts of the capital, has seen an increase in cholera cases. Hijra staff have reported that cases affecting children and women are on the rise. The organization has started a cholera prevention program that is reaching 20,000 people in three camps for people who have fled to Mogadishu. The work includes distributing oral rehydration salts and soap and a public information campaign advising on ways to reduce the risk of contracting the disease.
“Clean water and soap are vital to help prevent a public health crisis, as people weakened by hunger are particularly at risk of disease. With the recent cholera outbreak in the Mogadishu, this assistance will save lives. Despite the many challenges of operating in Somalia, Oxfam has years of experience working with partners there to reach people in need.” said Adan Kabelo, Associate Country Director for Oxfam in Somalia.
Oxfam partners operate across the country, and are running the largest public health program in Somalia, providing clean water to 250,000 displaced Somalis in camps outside Mogadishu. Oxfam’s partner agencies also operate one of the largest therapeutic feeding programs for children and mothers, feeding 3,000 severely malnourished children every week.
Across the country, 3.7 million people—nearly half of the Somali population—are now in crisis, two-thirds of whom reside in the south. Oxfam aims to scale-up its programs to reach 1.4 million people within the next few months.
Oxfam has been working in Somalia for over 20 years. The agency, which operates in partnership with local aid organizations, has so far helped over 850,000 in South Somalia, including Mogadishu.
Puddles swallow trucks to their underbellies. And everywhere, green sweeps the hillsides: delicate shoots of teff, so vibrant it looks lit from within, mix with fields of corn, the stalks thickening by the day and inching skywards.
But here in this village of about 1,100 households in Ethiopia’s northern region of Tigray, they’re holding their breath. Will the rain stay steady? Will it fall in enough abundance to fatten the grains and produce a bountiful harvest on which so many here depend?
At night, in my hotel room in Abi Adi, I listen as the rain pelts the metal roofs and pours into the courtyards and muddy streets below. I think about all the uncertainties farmers in Adi Ha face, and then I think about the south and what happens when those uncertainties become life-threatening. There, where southern Ethiopia, northern Kenya, and south-central Somalia meet, a severe drought and food crisis has snared almost 12 million people, farmers and herders both. The UN has already declared famine in two parts of Somalia. And some areas of the region are the driest they have been in six decades.
Though the rain in Tigray brings hope, nothing is certain. Not when the weather has become increasingly erratic. And not when the vast majority of farmers rely on rain to feed their fields. Countless families here—like those now struggling in the south—have known the ravages of drought.
But in Adi Ha, and a growing number of communities in Tigray, farmers now have a means of managing some of that unpredictability: weather insurance for their crops.
Initiated in 2007 by Oxfam America and a host of partners, including the Relief Society of Tigray and Swiss Re, a new program has found a way for even the poorest farmers to afford insurance. Instead of cash, these farmers can pay for their premiums with labor, a resource they have in abundance. If insufficient rain falls during a critical period of the growing cycle, and their teff, wheat, or barley suffers, farmers will receive a payout—an infusion of cash that can help them cover their losses and weather the rough times.
“This insurance is very good,” said Selas Samson Biru, who paid 200 birr ($11.75) this year to cover half a hectare of teff—a tiny grain that is a staple of the Ethiopian diet. “The insurance is good because it’s saving our assets in a bad year.”
As she spoke, a heavy sky pressed down on the fields of Adi Ha. Nearby, farmers coaxed their oxen through rocky fields, hurrying to plow and plant. It felt like rain. But Biru was worried still. She expected her corn would be OK, but the teff?
“We have some doubt,” she said.
Readings at a small rain gauge across the river from one of Biru’s fields showed that, on the Ethiopian calendar for July, rain had fallen on only seven days until a thorough dousing on July 24, when 50 millimeters (2 inches) soaked the fields. Before then, the heaviest rain measured just 30 millimeters (1.2 inches).
With the green that rain has brought to Adi Ha, it’s hard to fathom just how dry the south is. And in fact Biru, far from any access to the Internet or TV, said she had not heard about the drought and suffering there.
“We are sorry about that news,” she said, worry creasing her brow. “We feel that type of drought might come to us.” And then she brightened.
“Have they bought insurance?” Biru asked. “This is one of the most important things that needs to be scaled up.”
That’s in the works. Through a new partnership, Oxfam America and the World Food Programme, together with Swiss Re, are helping to bring this insurance model—and a package of other resource-management techniques including savings, credit, and disaster risk reduction strategies—deeper into Ethiopia and across three new countries.
It won’t come in time to help families in the south, but the disaster there may finally spur some serious international interest in finding long-term solutions—like weather insurance—to the devastation drought brings.
]]>The United Nations estimates that $1 billion is needed to stave off a major humanitarian catastrophe, yet only around $200 million in new money has been provided over these last two critical weeks. In 1984-85 when a major famine was declared in the region, more than 1 million were killed. With aid agencies battling to cope with the scale of the crisis, Oxfam said it was morally indefensible that several countries and donors had failed to contribute generously.
“A crisis of this magnitude must not be allowed to happen again,” said Ray Offenheiser, president of Oxfam America. “It is in no way inevitable and solutions do exist. The worst affected areas have endured decades of marginalization and economic under-development. If more action had been taken earlier we would not now be at the stage where so many people are facing starvation.”
In the short-term the $800 million black hole in the aid response to the crisis must be filled but governments and donors must also do more in the long-term to address the issues that have made people vulnerable in the first place.
The UK has so far led the way in recently pledging new aid. To fill the funding black hole, other traditional big donors such as the US will need to make comparable, new contributions as over the last couple of weeks the US has only pledged $15 million in new money. In southern Somalia where famine has been declared and where 3 million people are in need of assistance the USG is not responding. While the US has given $57,209,208 in assistance to date to Somalia, most if not all of this assistance has gone to northern and central Somalia.
“The USG should be commended for starting to ramp up its response to the drought in the fall of last year” said Offenheiser. “However, given the urgency of the crisis, the US needs to immediately restart programs in southern Somalia.”
The European response has been surprisingly slow as well, with donors such as Italy and Denmark so far not providing anything new. The French have been strong on words, calling for an Extraordinary G20 meeting on the issue, but have so far failed to back it up with any additional money. Other donors such as Germany and Spain have made initial contributions but these are small and need to be followed up with more resources as soon as possible. Given the scale of the crisis, donors in the rest of the world will also need to pay their share.
While immediate assistance will help people survive, it is not enough—not in the face of repeated drought, which has now become the norm in the region. Governments and the international community need to treat this as a long-term problem as well as an urgent crisis.
As well as chronic neglect, in some areas people’s ability to cope with drought has also been undermined by land policies that restrict access to grazing areas, and by the ongoing conflict in Somalia which has destroyed much of the country’s infrastructure and exacerbated the refugee crisis which has forced 135,000 people to flee Somalia this year. According to the UN, nearly half the children from southern Somalia seeking safety in Ethiopian refugee camps are arriving malnourished.
Oxfam on the ground
Oxfam is now responding to the crisis by providing life-saving water, sanitation services, food, and cash. The organization aims to reach 3 million people, including 700,000 in Ethiopia, 1.3 million in Kenya, and 500,000 in Somalia, where conflict has increased people’s suffering and malnutrition rates are climbing.
The overall humanitarian requirements for the region this year, according to the UN appeals, are $1.87 billion. These are so far 45 percent funded, leaving a gap of over $1 billion still remaining: gaps of $332 million and $296 million for the Kenya and Somalia UN appeals respectively, and $398 milion for the government-run appeal in Ethiopia.
In the last two weeks there have been new pledges of $205 million, leaving a gap of $800 million still remaining.
The UK has pledged an estimated $145 million in the past two weeks - almost 15 percent of what is needed. While the US has provided $383 million to the drought relief in FY 11, the US has pledged only $15 million in new money in the past two weeks. The EU has pledged around $8 million so far, with more expected in the coming days. Spain has pledged nearly $10 million, Germany around $8.5 million. France has so far not pledged any new money, and Denmark and Italy have said no significant new sums are available.
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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.”
]]>Reda, 45, is a farmer in Adi Ha, a collection of small villages in Tigray, a rocky region of northern Ethiopia. Here, rainfall is becoming increasingly unpredictable, and for the farmers who depend on its regularity to ensure their fields will produce food for their families, the change in weather patterns is deeply troubling. Without rain, the crops of hundreds of farmers in Adi Ha won’t grow.
Already this year the rains were six weeks late, coming in mid July instead of early June. That meant the corn got a late start and some farmers didn’t bother with sorghum at all. Still, hopes were high for teff, the tiny grain that is a staple for people here—and across Ethiopia where 6 million farmers grow the nutrient-rich cereal. Reda is one of them.
But this year, she and 199 other small farmers in Adi Ha weren’t taking any chances. When Oxfam and its partners suggested a way to buffer the hardships Mother Nature might bring, the farmers embraced it—even if few had ever heard of such a thing. The proposal? Weather insurance designed for their teff. If the rain failed to fall in certain amounts at certain times, farmers who bought the insurance would receive a payout to cover some of their losses. The insurance is being offered by the Nyala Insurance Company and Swiss Re. Other organizations partnering on the project include the Relief Society of Tigray, or REST; the Dedebit Credit and Savings Institution, or DESCI; and the International Research Institute for Climate and Society at Columbia University.
“Because of repeated drought, which really affected me, I joined the insurance with the understanding it might solve my problems,” said Reda.
For a long time, most people in the insurance business thought that poor farmers, like many of those in Adi Ha, were uninsurable. Where would they get the cash to buy the insurance? This pilot program has answered that with a simple, and ingenious, solution. Reda is paying for her premium—like she does for other important things in her life—with her labor.
Reda, along with 65 percent of all those who have signed up for the insurance, is a participant in Ethiopia’s Productive Safety Net Program, an initiative that provides cash and food for some of the country’s poorest people in exchange for their work on community improvements. She’ll work 24 extra days this year on projects that benefit Adi Ha—such as planting trees and grasses to promote soil and water conservation—to cover the cost of her premium.
“It’s good for me to have the insurance as long as I can work and pay with labor,” says Reda. “That is the only asset I have.”
A single mother and head of an all-girl household at the moment—she lives with three of her daughters; a fourth daughter lives in a nearby town; and a son is away studying—Reda works hard to keep together all the pieces of a difficult life. With one of her daughters, Abbadit Girmay, who is now 19, Reda hauled to their hillside site every stone of the hut they now live in. And to build it, she hired a mason to mortar the rocks together—paying him with a summer’s worth of weeding in his fields.
To get her own fields plowed—she has two, totaling a half hectare of land--Reda hires herself out each planting season, working three full days for the man who owns the oxen, in exchange for one day of his plowing.
Work is Reda’s currency.
"That’s why I’m thin," she says, with a wry smile.
In the corn patch just below her house, Reda stands bent at the waist , her hands flying over the weeds as she yanks and clumps them swiftly into small piles. Close behind, and weeding nearly as fast, Tekleweini Girmay, 7, follows her mother through the stalks. Reda—and necessity—have taught her well.
But a farmer’s life is not what Reda envisions for her youngest child—or any of her daughters. She wants them to have what she never had: an education.
“The season is not good enough for agriculture. Our soil has become poor and they need fertilizer,” she says. “I don’t want my children to be farmers. Those who have started their education I want them to continue and have jobs. And those who haven’t started, I want them to start.” Tekleweini will be among those newly enrolled when the next session of school begins.
And Reda will be, too.
She has signed up for an adult literacy program that REST is offering.
And though Reda can’t read, her mind is filled with news of the world beyond Adi Ha that she absorbs from a small radio she keeps tucked on a shelf in her hut. Voice of America in Tigrinya and Dmitsi Woyane or the voice of the ruling party are among her favorite stations. Sometimes, Reda will stay up until 11 p.m. listening—when there are working batteries, that is. They are expensive, about 10 birr each, or about most of what she would earn for a day’s labor.
There’s no electricity in this stone-walled compound, and few creature comforts. At night, light in Reda’s cramped hut comes from a hanging bulb hooked to a flashlight battery. She also has two small oil lamps. Household wares hang from the ceiling beamed with logs and storage vessels stand in the shadows in the corners. Two mud seats built into the walls near the door serve as beds.
In early August, green washes the hills that stretch below Reda’s hut, a sign that the rain—now that it has finally come—is ample enough for the moment. Her corn is doing well, she says with satisfaction.
And her teff?
The seeds have been in the ground for just a week and years of experience have left her circumspect.
“It’s too early to say if it’s good or bad,” says Reda.
]]>In a pilot program coordinated by Oxfam America along with a host of local partners, these farmers have bought weather insurance designed for their teff, a staple grain here and across Ethiopia. If a certain amount of rain fails to fall at a certain time—and their teff does poorly—the insurance will cover some of their losses. Partners in the initiative include the Relief Society of Tigray, or REST; the Nyala Insurance Company; Swiss Re; the Dedebit Credit and Savings Institution, or DECSI; and the International Research Institute for Climate and Society at Columbia University.
The rain gauges, like the one in Biru’s yard, measure the precipitation in different spots across Adi Ha where rainfall is becoming increasingly unpredictable, making it ever harder for farmers to eke a living from this rocky part of the world.
“Our season is changing. We don’t know when there will be a bad year and when there will be a good year,” says Biru. “I believe, after taking the training, this insurance will be helpful during the bad season. This will pay me.”
Biru, who has bought 192 birr—or about $15—worth of insurance has become an expert at managing the vicissitudes of life in Adi Ha and together with her husband and six children, they have built a measure of security for themselves.
Now 48, Biru was married at 15. But unlike some of her peers at the time, she had managed to attend school through the fourth grade, and when the Tigray People’s Liberation Front, or TPLF, took control of the area, Biru stood out. Perhaps it was because of all the questions she asked, she says.
She joined the organization in about 1979 and soon assumed a leadership role among other women—a twist of fate that allowed her to develop the confidence that continues to feed her successes today. Biru is not afraid to try new things—including insurance, a concept few in her community knew much about before this pilot was launched. Biru became a member of the local team that helped design the project.
But before that, she had other experiences that allowed her to see the advantages of managing household money in different ways. Through a local microfinance institution, Biru has taken out a series of loans that have helped her to build a herd of livestock that now includes goats, oxen, and donkeys. She has used the proceeds from the sale of some of those goats to support two of her children as they make their way through university.
Income from the goats, which at one point numbered about 70, also helped the family finance the construction of a new house with a metal roof a few years ago. It consists of a long, rectangular room with perimeter seats built into the walls, two beds at the far end, and a high ceiling that helps the interior stay cool on hot days.
And though the hungry season is inching closer—the time before the harvests when the food supply of many families runs low—Biru still has a supply a grain. In a shed separate from her house, tall vessels stand against the back wall. As she uncorks the bottom of one of them, the grain makes a satisfying rush as it streams out Baskets on the floor brim with corn, finger millet, and teff.
Biru’s family has another source of bounty as well: the Tsalet River, which feeds an irrigation system constructed about 10 years ago by the Relief Society of Tigray with funding from Oxfam. More than 400 households now benefit from it. Water funneled through a series of channels connected to a dam across the river irrigates a quarter hectare of land from which Biru harvests green peppers, bananas, melons, guava, and coffee beans. That regular supply of water may free her from some of the worry about rain.
But the irrigation system doesn’t water her teff. Across Adi Ha, farmers depend on the rainy season for that job. The main one, the kiremt, stretches from June into September. A shorter rainy season, the belg, runs from February to May. This year, the kiremt started late: the rain didn’t really begin to fall in substantial amounts until mid July, making it hard for farmers who plant sorghum and corn.
“For maize, the rain is not good. There was no rain early,” says Biru.
With her rain gauge, Biru keeps careful count of exactly how much rain falls, recording the precipitation on a small chart. Pulling it out to show some visitors one day in early August, she notes the range from half a millimeter the day before—barely a sprinkle—to 40 millimeters in a downpour on July 3.
Her crops aren’t the only thing Biru worries about when it comes to water. Her family also needs a steady supply for drinking and cooking. And often, the job of fetching it falls to her. Potable water is about an hour’s walk away, and someone in the household makes that trip once a day, sometimes with a donkey to haul the heavy load home. But a less reliable source that the family uses just for cooking, is a good deal closer—a 15-minute hike from Biru’s home.
Grabbing a jug, Biru heads down the path from her house, slowing her pace so the city slickers who are visiting can keep up. She’s going to show them what’s required to keep a family hydrated in Adi Ha, where there’s no municipal system pumping water through every household tap.
The walk includes a scramble down a steep ledge—and the knowledge of a return hike up, lugging the jug heavy with water. On the way, Biru stops at a mound of stones, bending to kiss one reverentially: below them, in an oasis of trees and thick bushes—one of the few forest-like spots still standing in the area—sits a local church. Tradition demands that the woods around the church be left alone. They’re sacred. And that may account for the small spring that still gurgles at their base.
It’s here that Biru stops to fill her jug, scooping cupfuls of water from the shallows while trying to leave the silt behind. Ten minutes later, she stands and heads home under a gray sky full of the promise of rain.
Will it be ample enough to guarantee a harvest?
“For teff, currently it’s good,” says Biru. But if it doesn’t last, she now has insurance to fall back on.
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