“I harvested practically nothing,” Founé Danfakha says of her 2011 yield. She grows groundnuts, maize, and rice in Bembou, a small village about 50 kilometers east of Kedougou, near the border with Mali. The 60-year-old mother of five children and grandmother of four says, “If the rain comes normally, I can get 20 sacks of groundnuts. Last year I got only five.”
Danfakha has about five acres of land. She says her last harvest was dismal: She got three bags of rice, which is about 30 percent of the normal harvest. She planted about an acre of maize, but harvested none at all.
No seed, no harvest
Danfakha is sitting in front of her home, with her four-year-old grandson on her lap. The boy is quiet, and seems to have little energy. Danfakha says she is feeding everyone in the household regularly, despite the fact that the food she grew last year lasted only two months after the harvest in November. Usually she grows enough to last four months. She says she is meeting her family needs with money sent from her daughter, who is digging for gold in a nearby mining area.
When the rains start, Danfakha’s daughter will come back to help her prepare her fields and plant. “I think we will have to cover our needs growing groundnuts,” she says. “I don’t have enough rice seed, but I think I have enough groundnut seed.” When her daughter comes back they will have no income from mining while she works in the fields, so it is a calculated risk.
“The situation is difficult here. There’s a problem of rain,” Danfakha says. “It’s been irregular. If there’s not enough rain, there won’t be a harvest. And if there is no seed, there’ll be no harvest.”
Oxfam is collaborating with local organizations in Kedougou to help farmers there and in other areas of West Africa with crucial agricultural support, so they can plant this spring. Oxfam is also planning work that will help keep drinking water clean and safe, and provide food or short-term employment for cash wages, so farmers can meet their food needs over the summer while they work their fields.
Oxfam is aiming to help 1.2 million people across seven countries with programs that include cash transfers and cash-for-work initiatives, veterinary care for the livestock on which many families depend, and access to clean water and sanitation. We are also campaigning to change the root causes of this crisis. Find out how you can support our efforts.
]]>She planted a maize field and hoped to grow a ton, but only got one 50-kg bag. She says the poor result was due to “lack of rain, lack of good equipment for cultivation, and lack of money to pay for labor.”
Her situation is rather typical in the small village of Bandafassy, about 15 kilometers from the town of Kedougou in eastern Senegal, where erratic rain last year hit farmers hard. The resulting high demand for food grown in other parts of the country is pushing up prices, and forcing farmers who were already struggling to feed their families to find creative ways of coping.
Camara is the one in the family responsible for agriculture, but her husband Nicolas Keita helps prepare fields for planting and the harvest – when he is not away mining for gold to earn cash.
Keita says they planted in early June, but by the end of the month it had stopped raining, and what they were growing dried out in July. They replanted in August, and invested in some fertilizer. The rains were intermittent in September and stopped altogether in the beginning of October. "The rain gap in June and July prevented any decent harvest," he says.
"Things are going to go badly," Camara says she realized after the harvest. "But we will make every effort." She turned to gathering wild fruits in the forest, such as the seed pods of the baobab tree and jujube berries to feed her family.
To earn money, her mother-in-law began making clay pots for storing water; Camara walks 15 kilometers to Kedougou (carrying a 10-pound pot on her head) where she sells the pots for about $5 each. If she can make a sale, she buys food and returns. In a good week, she can sell two or three pots.
Camara reports that after a good harvest she can feed her family for about six months, but this past year the food only lasted about four. She says she is down to her last two bags of rice, one of which she wants to save for seed. “We will always find a way to get by,” she says with a certain resignation. The threat to farmers like Camara is that of another year of diminished harvests: Successive bad years can lead to a downward spiral that even the most resourceful farmer can’t avoid.
Oxfam is designing programs to help farmers like Camara get the resources they need to plant crops this year, so that when the rains come people will have an opportunity to grow what they need for food. Cherif Sow, who works for the Kedougou Association for Action and Development, an Oxfam partner, says the need for support in the area is crucial. “We have to help the communities as quickly as possible to help them survive the lean time, otherwise it will have an impact on their agricultural production.”
Oxfam is aiming to help 1.2 million people across seven countries with programs that include cash transfers and cash-for-work initiatives, veterinary care for the livestock on which many families depend, and access to clean water and sanitation. We are also campaigning to change the root causes of this crisis. Find out how you can support our efforts.
]]>If the rain continued at least there would be pasture for his two cows, guaranteeing their health and ensuring his family would have milk to drink. But the shorter rains, which should have fallen earlier in the season, had failed to come to Keih Tekli. And without them, Mehari was unable to sow his sorghum, one of two main crops he depends on. Instead, he would rely on teff, a tiny grain planted later in the year that is a staple of the Ethiopian diet.
For small-scale producers like Mehari, drought is the enemy—unpredictable and deadly. It’s the hardest part about farming, he says. And it’s one of the reasons that Mehari has joined more than 13,000 others in the Tigray region to buy weather insurance for their crops.
The insurance is part of a rapidly expanding program designed to help some of Ethiopia’s poorest farmers reduce the risk they face from disaster. When rainfall drops below a predetermined threshold, farmers who have bought the insurance receive a payout. Those too poor to pay with cash can trade their labor on community projects in exchange for the insurance. Launched by Oxfam in 2008 with the help of a host of partners including the Relief Society of Tigray, the program, now called the Rural Resilience Initiative, or R4, is set to expand into Senegal and two other countries in partnership with the World Food Programme.
Mehari has participated in the initiative for two years, swapping work—he has been planting tree seedlings in his community—for insurance. The first year he traded 16 days of labor for a premium worth 192 birr, or just over $11. That would have provided him with a payout of 600 birr, or nearly $35. Last year, Mehari invested 25 days of labor for coverage that would have given him a payout worth 800 birr, or more than $46.
That’s not enough to cover all his costs if he loses a harvest, but it’s enough of a buffer, perhaps, to prevent him from sinking deeper into poverty.
"It helps," he says, noting that if drought wiped out his harvest, the insurance would allow him to recover two-thirds of the 1,200 birr he invested in planting.
Divorced and the father of one daughter, Mehari says he had a basic understanding of how insurance works so when the opportunity arose to purchase some, he jumped at it. In his 38 years, he and his family had already experienced far more than their fair share of loss: Of the eight children to whom Mehari's mother gave birth, only two were still alive.
"I knew what insurance was. But the community members were confused and skeptical. How can it work?" he recalls them asking. "I accepted it (the insurance) without hesitation because if the crop fails, for me--it's like a parent's support in a bad situation."
As rain from the roof pooled into fat drops over the door, Mehari contemplated what the future would bring. He had already sowed more than an acre of land with teff seed and planned to plant the rest very soon.
"If the rain continues--like now--it won't be serious," he says of the hardship farmers face because of the lost sorghum season. "But if there is an early exit (of the rain), that will be disastrous."
For Mehari, insurance would soften the blow. But for countless other farmers tilling the rocky soil of Tigray, uncertainty sits heavily on their minds, its weight growing as increasingly erratic weather changes the age-old rules of agriculture.
]]>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.
]]>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.”
]]>That was 15 years ago. Today, clean water in the small communities of El Recuerdo and Agua Zarca is as precious as ever—and still hard to get. There's no turning on the tap over a kitchen sink and letting the gallons gush. Here, many people trudge to a communal source, fill their jugs, and lug the heavy load home again. But seasonal flooding—sometimes hugely destructive and, with climate change, possibly becoming more severe—contaminates many of the area's hand-dug wells, exposing people to waterborne illnesses.
But now, with the help of Oxfam America and its local partner, PROVIDA, the well that Cruz worked so hard to dig on the school grounds in El Recuerdo is pumping enough clean water to satisfy the drinking needs not only of the students but of about 80 families in the surrounding area. The well is one of five "healthy wells" in southern Zacatecoluca province PROVIDA lined, surrounded with a filter, capped to ensure its cleanliness, and outfitted with a pump that sends water to a large tank for chlorination and storage.
"The families in this area are living in extreme poverty, living as subsistence farmers or low paid day laborers in the nearby sugar cane plantations," says Karina Copen, an Oxfam humanitarian program officer. "They face numerous challenges in having to adapt to the increased frequency and intensity of the flooding in their area. With access to a healthy well, they can at least know that in the next flood, they will have a safe source of water for their families and the good health that comes along with it."
Adaptations, such as these healthy wells, are essential for Salvadoran families living in the department of La Paz in the lower region of the Lempa River where seasonal rains, tropical depressions, and hurricanes, make it one of the country's most flood-prone areas.
Coupled with those natural hazards is the fact that communities in the region have significantly less access to improved water sources and sanitation than other parts of the country. The "healthy wells" along with 27 new composting latrines have been a boon to families in the area.
"Kids are getting sick less; families are healthier," says Santos Efrain Coto, one of the local leaders in El Recuerdo. "When they drank contaminated water they got diarrhea and parasites."
The improved wells are based on a model that's new to El Salvador and designed by an organization called Swiss Labour Assistance. Besides having their tops sealed with cement to prevent polluted flood waters from slopping in, the wells are lined with a type of plastic pipe, known as polyvinyl chloride, or PVC, that extends down into the aquifer. Packed around the outside of the lining is a filter of volcanic rock that prevents contamination from seeping through underground.
At the El Recuerdo school one day recently, teacher Ana Elsa Cubias describes how students used to bring their own water from home to drink during the school day. Now, the refurbished well guarantees them a clean supply right on the spot.
"They're drinking water from a protected source and the kids have water right in the classroom," says Cubias.
A short distance from the classrooms sits a large plastic tank, sky blue and able to hold 1,100 liters of water pumped fresh from the well. Chlorinated, the water from the tank flows to two taps standing just outside the gates to the school. They're accessible to whoever is driving or walking by. And to ensure the stored water stays safe for drinking, the water committee arranges to have the tank cleaned every couple of weeks—a task that falls to a child small enough to wiggle inside and scrub the interior walls with a brush and bleach.
"We make sure he bathes before he gets in the tank," adds Coto, the local leader.
In Agua Zarca, a few communities over, Jose Luis Funes Cruze says that before PROVIDA and Oxfam installed the new well, most of the local residents depended on their own backyard wells for drinking water—and that was a problem.
"The household wells take on a lot of rain water and a lot of filthy water when there's flooding," says Cruz, pointing in the direction of the polluted San Antonio River, which spills its banks during big storms. "The things people throw in—there are pigs up river. And the cheese factory is up river."
In the past, when their drinking supply has been contaminated, families in Agua Zarca have had to rely on the government or aid groups to truck in drinking water for them.
But now, with a new communal well their supply of drinking water is much improved.
"We're very grateful—the whole community is—to have that water," says Blanca Lidia Jiménez, who lives close to the well makes about six trips a day to fetch enough water for the seven people in her house. "We don't get sick so much when we drink the water from this well. The little kids would get swollen bellies, but with the new well that problem has been solved."
Still, the situation in Agua Zarca points to the challenges of providing clean water in this area. The community's new well was built on the only land available: next to a cow pasture—an arrangement that could be problematic during the wet season when rain sloshes manure about and allows it to seep into the groundwater.
The deep plastic lining on the well and its volcanic-rock filter help, though, says Guillermo Morán, a professor and researcher at the University of El Salvador's Earth Sciences Institute. He worked with Oxfam America and another of its partners, the Harvard Humanitarian Initiative (HHI), to evaluate the effectiveness of the wells while studying the health practices of families who use them.
The study is an important component of Oxfam's public health work: It promotes accountability and offers a different model for aid groups by linking their work with that of universities.
"We have the field experience and they have the technical expertise," says Miriam Aschkenasy, Oxfam America's public health specialist. "Together we're able to evaluate programs at a higher standard and at one that increases accountability."
In its draft report, HHI said that individuals who live in communities with "healthy wells" were less likely to have diarrhea and reported fewer cases of the illness during the time of the study. But the draft report also revealed that in two of those communities, some people were still using hand-dug wells for their drinking water while other people from places without "healthy wells" were making the trek to a community that had one to fetch their water.
"The study gives us insight in a way we couldn't have anticipated," says Aschkenasy. "It gives us an idea of where to focus in the future. We now know we need to find a way to encourage people who are still relying on the hand-dug wells to use the healthy ones instead. And it gives us great incentive to build more of them."
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