This innovative public-private partnership will be expanded from Ethiopia to Senegal over the next five years. It empowers farmers and food-insecure rural households with integrated risk management tools to develop long-term resilience.
"For the 1.3 billion people living on less than a dollar a day who depend on agriculture for their livelihoods, natural disasters are a constant threat to their food security. The most vulnerable people in the world are being hit by more frequent and intense climate-related disasters. The world knows how to do this: Proven tools have broken the cycle of emergency hunger for millions, building resilience in the face of repeat disasters," said WFP Executive Director Josette Sheeran.
R4 will enable poor farmers in Senegal to strengthen their food and income security by managing risks through a four-part approach—improving natural resource management (community risk reduction), accessing microcredit ("prudent" risk taking), gaining insurance coverage (risk transfer), and increasing savings (risk reserves).
USAID has just announced a new $8 million award to WFP to support the expansion of R4 to Senegal and the global development of the initiative.
"We are pleased to help take this innovative program to the next level, scaling it up to reach thousands of farmers," said USAID Administrator Rajiv Shah. "We see this as a promising approach to tackling hunger and climate vulnerability in an integrated way that will deliver real results for rural communities."
Swiss Re is supporting the R4 initiative as the exclusive insurance sector partner and will lead the design and implementation of risk transfer solutions. These innovative solutions form part of a comprehensive risk management program that will give thousands of poor, small-holder farmers the means to manage weather vulnerability and enable the risk-taking essential to economic development. Swiss Re will contribute $1.25 million to the initiative.
"Insurance is a cornerstone of economic growth and stability, and we are proud to contribute our expertise to this project which allows the poorest farmers and their families to cope when crops are ruined by drought, flood or other climate related impacts. Through the pilot in Ethiopia, we have seen that even farmers with no monetary income can build a better future by trading labour for insurance, in ways that also help to strengthen their communities. We are pleased that the model which began with just 200 households in Ethiopia three years ago, has been successfully scaled up and will now be replicated as R4 in other countries, including Senegal, to help thousands more," said Michel Liès, Chairman Global Partnerships, Swiss Re.
R4 builds upon the highly successful growth of a multi-year pilot in Ethiopia known as the Horn of Africa Risk Transfer for Adaptation (HARITA) project, which involved a network of global and local partners including Oxfam America, Swiss Re, the Rockefeller Foundation, the Relief Society of Tigray, Dedebit Credit and Savings Institution, Nyala Insurance Company, Africa Insurance Company and the International Research Institute for Climate and Society at Columbia University. In its three of years of delivery this pilot, HARITA, has scaled up from 200 enrolled households in one village in 2009 to over 13,000 enrolled households in 43 villages in 2011.
"Expansion to Senegal will allow Oxfam to build upon our success in Ethiopia and test this model in a new country. Having insurance will make it easier for poor people to access credit on better terms, so that farmers can buy the tools and the drought-resistant seeds needed to grow bigger and better crops and poor families can protect their savings in tough times" said Raymond C. Offenheiser, President of Oxfam America.
The R4 Rural Resilience Initiative is a strategic collaboration between the World Food Programme and Oxfam America, with no co-mingling of funds. Each partner has its own sponsors: WFP is sponsored by USAID, and Oxfam America by Swiss Re.
Gebru Kahsay is a 52-year-old farmer in the Adi Ha area of Tigray in northern Ethiopia, who depends on rain to grow teff, a staple grain. In 2009, rains came late to Adi Ha, but Kahsay had a backup plan if the rain didn't cooperate: weather insurance. "According to my belief, this insurance is important to protect us from migrating in a drought in search of food," says Kahsay.
In the absence of functioning financial markets in most rural areas, poor households adopt conservative risk taking stances and cope with disasters in ways that often compromise their livelihoods resulting in long term negative consequences. To survive, households are often forced to reduce food consumption, remove children from school, or sell productive assets.
Through R4, farmers will be able to pay for their insurance premiums through labor in food-and-cash-for work programs. Their labor will contribute to community projects such as irrigation or forestry to reduce the impacts of climate change on their villages.
More prosperous farmers will pay their insurance premiums in cash. Over time, as the poorest farmers become more prosperous, they can "graduate" from the need to pay through labor, and begin paying in cash, helping to ensure the project's commercial viability and long-term success.
Over the next five years, Oxfam America and WFP plan to scale up and evaluate the R4 approach in 4 countries. In addition to continuing efforts in Ethiopia and the new work in Senegal, this will include two additional countries as the initiative progresses.
]]>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.
]]>It’s dim inside, lit only by the gray afternoon light streaming through the door. But it’s ample enough for me to study their faces— solemn and engrossed—as they listen to their chairwoman, Meshu Babure, tell how this group, whose name means “love” in Afan Oromo, came to be—and how it is now changing the lives of its 150 members.
Outside, the bustle in the association’s compound in Oine Chefo Umbure has stopped for the moment as everyone takes cover. A small crew of men—with the women’s help—has been mixing cement and hauling rocks for the foundation of yet another new building, this one to house the diesel-powered grain mill Jalala recently bought with support from a group of European ambassadors’ spouses who had visited the organization. The association will use the mill to grind grain for their community and generate income for their members.
A hum of activity seems to define the place. Along with the grain mill, the Jalala women are constructing a building to serve as a store for the community, because the market that most people frequent is a long distance off. Across the yard, the frame of a small office building rises next to the grain bank, and sitting in the center of the growing complex is a mud-walled poultry facility. Beyond the compound, with the help of the Center for Development Initiatives, or CDI, an Oxfam partner, Jalala has orchestrated the construction of a school for the community where none had been before. It was to open in September for students through grade four.
The women of Jalala are working this magic in a corner of Shashemene, a district about 155 miles south of Ethiopia’s capital where a drought in 2008 severely hindered the ability of families to feed themselves and left 46 children dead. Food shortages continue to be a problem here, as most people survive by raising animals and farming small plots of land. In August, hope for a healthy harvest hides some of the sorrow that earlier hardship bred: fields of green stretch to the horizon with the promise that maize and wheat may soon fill grain banks that community members established in recent years with the help of CDI and Oxfam.
Much, though, is dependent on the rain— will there be enough to feed the crops?— and on people’s good health to carry on with the hard physical labor a subsistence life demands. As elsewhere in Africa, HIV/ AIDS has taken a toll in this region, leaving people weak and many children orphaned.
It was that sweeping problem that first launched the Jalala Women’s Association and where Meshu Babure heard the earliest whispers of what has now become her calling: to better the lives of women—and their families—in the communities around her.
Babure had completed high school—the only woman in her community to do so— when officials from the local government approached her for help in educating households about HIV and family planning. Together with her sister-in-law, Basha Dachasso, Babure set out on her mission, and the pair was soon joined by two other women. That was nine years ago—in 2001.
Their task expanded when the district’s women’s affairs department decided to get a better understanding of poverty in the area and asked the team to register the names of poor women. As they went, the team picked up new members, growing from 10 to 15, until one day they found themselves collected under a massive oda tree—treasured among Oromia people for a canopy broad enough to shelter whole gatherings from the harsh African sun. There, Jalala’s true work was born: The women decided to turn their attention to the poverty that saddled so many of their neighbors.
“I was touched by a woman with a very severe problem—a woman holding a child on her chest and carrying firewood on her back to the market,” says Babure.
Soon, the group decided to start pooling their money to build a small fund from which members could take loans or draw in times of need. By 2007, the women had managed to stash away 4,000 birr—or about $245—and their ranks had grown to 50. Meanwhile, they had also persuaded the local government to give them access to about six acres of land that they started farming. This year they harvested both potatoes and teff, Ethiopia’s staple grain, and have continued to nurture a small plantation of enset, a drought-resistant plant that is a bulwark against hunger.
So far, they have plowed the income they have earned back into their association, using a chunk of it, for instance, to construct the poultry building. But as other organizations have donated goods to Jalala—heifers and seedlings—the group in turn has distributed them among its members.
As Babure retraces all these steps, members quietly pass around a stack of photos. One in particular stands out—proof of the determination that drives them. It shows a woman marching through the furrows of a field, guiding an ox-drawn plow as it digs deep into the earth. It’s work that men usually do. But the women of Jalala manage just fine.
That independence, though, came at a price. Some of the women’s husbands objected to their wives joining Jalala, which has also worked to change harmful traditional practices in the community—like polygamy. One member showed up at a meeting with blood streaming from her head: her husband had beaten her to prevent her attendance. She came anyway.
Early on, Babure herself was threatened, too, for talking about the rights of women, promoting family planning, and discussing the problems of polygamy and the economic burden it places on families.
“Some people said, ‘We will try to kill you,’” she recalls, knowing she would have to endure intimidation to achieve her goals. But Babure had a role model in Nobel Peace Prize-winner Wangari Maathi, a Kenyan woman who had suffered head injuries when she was attacked for planting trees to protest the deforestation of her country. Babure heard about Maathi and found inspiration in her determination and bravery.
Before the women of Jalala organized themselves, most stayed at home, taking orders from their husbands, says Babure, who, at 32, is not married. To encourage others to join their group, the Jalala women composed a rallying song based on some of their traditions. It’s about a fox, who represents poverty. He threatens to enter the women’s houses and bite them. The only way to fend him off is for the women to come out of their houses and join in unity against him.
“If we come together and shout loudly, people will hear us,” says Babure. “If you shout alone, no one will hear you. They will think you are mad.”
The song worked. New members thronged to the group—and slowly attitudes shifted.
Now, the community views women in one of two ways, says Babure: Either as a member of Jalala, with all the strength and independence that confers, or as someone who is not a member. Though Babure’s brother still refuses to talk to her—he disapproves of the energy she is pouring into the association to the exclusion of all else—even her mother has joined Jalala. And, she notes, many of the members’ husbands are now pitching in to help when it comes time to till the fields.
“We showed we can work,” says Babure. “We can produce. We can make a change.”
]]>But a hungry child exists in a larger context: if we nourish communities, they can nourish their own children.
The woman on our cover, Fatou Doumbia, and other women in her village in Mali, pooled their resources last year. They set aside nearly a ton of millet as a defense against the hunger they’d seen as food prices spiked. Hers is another face of hunger: determined, resourceful.
After the last harvest, Oxfam reached out to supporters to respond to the food crisis. We’ve devoted much of this issue to looking at what communities have done to avoid the kinds of hardships they confronted. When people living in poverty are hit by a food crisis or natural disaster, they lack resources to tide them over.
Oxfam works to help people build their resilience. Let respect and hope fuel your efforts to support women like Doumbia.
]]>In Ethiopia, 6.2 million people are in need of immediate food assistance.
For families of herders and part-time farmers in the Oromiya and Tigray regions, the need is acute. Malnutrition levels among the poorest of them have climbed above emergency thresholds set by the World Health Organization. In addition to those needing this emergency assistance, the Ethiopian government is helping 7.5 million other people with food and cash through its Productive Safety Net Program.
Oxfam America is responding to the new crisis with a multi-part relief plan that aims to help about 350,000 people in Tigray and Oromiya. The initiative, which needs the financial support of donors to reach all the intended beneficiaries, includes supplemental feeding for mothers and children, meals for school children, a cash-for-work program that provides families with money to buy food in exchange for labor on community projects, and veterinary care for livestock. The latter will help to ensure cattle, goats, and sheep can weather the drought and continue to provide critical food and income for herding families.
“If we are able to respond in a timely way, we can reach these people, save lives, save livelihoods, and help people to be resilient to future shocks,” said Abera Tola, Oxfam America’s regional director for the Horn of Africa.
In parts of Oromiya’s Borena Zone, the pressure on dwindling resources has increased as migrating herders and their livestock have swept in from Kenya in search of pasture and water. An Oxfam assessment team, sent to the region in early August, reported an estimated 100,000 extra animals, mostly cattle, were severely straining the water supply around in the Moyale, Dillo, Dirre, Teltelle and Arrero districts. In Dillo, the situation was so dire that families in five different areas evacuated their villages.
“The ponds are dry. The land is barren. There is nothing green,” said Tola. “People are desperate.”
In the dry, rural parts of Ethiopia people have long lived with periodic drought, and they have found ways to cope, such as by selling a few heads of healthy livestock and using the cash to buy food. But with droughts becoming increasingly frequent, there is little time—or no time—between them for families to recover their assets and build a new buffer against hardship. Instead, each bout of dry weather pushes many people deeper into poverty, making them more vulnerable to the next round of trouble.
“Drought is like fire,” said an Oromiya elder looking back on last year’s severe shortage of rain. “It just destroyed every household.”
In the Liben district of Oromiya’s Guji Zone, the changes in weather patterns are pushing some herders to give up part of their old way of life—and turn to farming as a solution. Along the banks of the chocolaty Dawa River, Huka Balambal is growing onions and corn with the help of a small irrigation system he devised himself: A noisy pump connected to a long line of hose sucks water from the Dawa and spills it through a maze of muddy channels that Balambal has dug.
Tending solely to animals is what he had done all his life—until now. At 64, with no education and a large family to support, Balambal knew he had to do something different: the days of abundant milk from his cattle and plentiful grasses for them to feed on are gone. In the decades since he was a boy, the pastureland, and consequently the livestock, have declined, he said.
“I think, how can I survive this way?” Balambal asked. “How can I manage my family and care for my children. I look around and see the only solution is change of livelihood.”
Along another stretch of the Dawa, where Oxfam America is working with the Liben Pastoralist Development Association, or LPDA, to build a full-scale irrigation system for 200 families, Edo Godana voiced some of the same worry.
“During our father’s time it was very nice rain and a lot of milk and grass,” he said. “Now, things have totally changed. I’ve been trying to cultivate land by rain, and it frequently collapses. We have fear for our children. What’s going on?”
It’s a question that’s weighing on countless herders and rain-dependent farmers across Ethiopia as one difficult season gives way to the next. In the face of a changing climate, Oxfam has been working with people like Balmbal and Godana on longer-term solutions to the problems erratic weather creates. Pasture restoration, road construction, and helping people build small herds of milking goats are just some of the answers.
“Drought is a part of our lives,” said Kote Ibrahim, LPDA’s director. “How can we get out from it? We’ve reached consensus. We need sustainable development interventions.”
And, added Tola, the underlying causes of poverty, which make people so susceptible to drought, must also be addressed.
“Poor people need a voice,” said Tola. “Marginalized groups, like herders, need to be included in the development policies of the country. And women need an active role in development also.”
]]>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.
]]>But for Kahsay, a 52-year-old farmer in the Adi Ha area of Tigray in northern Ethiopia, a good deal has changed in the quarter century since so many of his neighbors lost all their crops including teff, a staple grain.
More than a third of the families in Adi Ha grow the tiny seed. It’s rich in nutrients and serves as the base for a pancake-like bread—injera—that many people eat. The hay left after threshing is also nourishing for animals. And for families that have some to spare, the grain commands a good price in the market.
Still, for those who depend on rain to help their teff thrive—it’s the second most widely cultivated rain-fed crop in Adi Ha—growing this cereal can be an iffy proposition, especially as global warming may be forcing a change in weather patterns. The rain came late this year to Adi Ha, preventing some farmers, like Kahsay, from planting early crops of sorghum—and heightening the need for a hearty harvest of teff.
But this year, Kahsay has a back-up plan if the rain doesn’t cooperate: weather insurance. He’s one of 200 farmers in Adi Ha who decided to participate in a pilot program organized by Oxfam America and carried out with the help of numerous local organizations, including the Relief Society of Tigray, or REST. Other partners include 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 farmers—some paying with cash, others with labor—have bought varying amounts of insurance designed specifically for their teff. If the rain fails to fall in certain amounts at certain times, farmers will receive a payout to cover some of their losses.
“According to my belief, this insurance is important to protect us from migrating in a drought in search of food,” says Kahsay, who has bought 192 birr—or about $15—worth of insurance. “It saves the lives of the family during drought.”
Irrigation is also insurance
Kahsay has a large family to be concerned about. He’s the father of nine children, the youngest of whom is just 2. But the weather insurance he is trying out isn’t his only defense against bad times: irrigation also serves as a cushion.
Kahsay is among the more fortunate farmers in Adi Ha who have access to an irrigation system constructed by REST with funding from Oxfam a little more than 10 years ago. With concrete canals and a dam across the Tsalet River, the system has made major improvements to the traditional watering network that would clog with debris during heavy rains. In the month that it would take farmers to clean out the mess, their crops would often die.
For Kahsay, the modern system has been a boon. Though he irrigates just one quarter of a hectare of land, it provides him with an array of produce—oranges, coffee, papayas, tomatoes, onions—that he can sell. In fact, 95 percent of what he grows on his irrigated plot goes to market and the income buffers his family from the hard times that farmers, who depend only on rain-fed harvests, have no choice but to grapple with as best they can.
But Kahsay also tills two hectares of land that rely solely on rain. He sews them with corn, finger millet, sorghum, and teff—and most of the harvests from these fields get consumed by his family.
Wrapping a shawl about his shoulders and tucking an umbrella under his arm—it’s early August and it’s been raining, off and on, for several weeks—Kahsay strides down the slope from where his compound sits atop a rock ledge. Though he’s been battling malaria, he moves fast toward his fields, with a string of visitors straggling behind.
Soon, he reaches an expanse of sandy soil, dusty on the surface. Shoving up through the plowed ridges are shafts of green, so delicate they could almost be a trick of the eye in the brilliance of the afternoon sun. This is Kahsay’s teff field, well-guarded by his seven-year-old grandson, Aregawi Mulugeta, standing with a stick under the shade of a tree. Kahsay greets him heartily, and together they trek to the middle of the field to examine the shoots.
The teff is doing well, he reports.
But Kahsay says he would have liked to have had weather insurance that covers too much rainfall, not too little. In this region of sandy soils, heavy rains that come too fast can be as much of a hazard for teff as drought, and 1997 is still vivid in his mind because of that. That was the year flooding destroyed 70 percent of the teff he had planted.
Despite the water-logging, Kahsay has also seen a troubling trend toward increased dryness over the decades. Like all farmers, he watches the weather closely and analyzes the conditions.
Drought used to strike every eight years or so, he says. But now the cycle seems to be speeding up. And with drought comes the hardship of food shortages—for both people and the animals that help farmers plow their fields and provide them with milk.
With those trends becoming ever clearer, the purchase of weather insurance may turn out to be one of the best adaptations the people of Adi Ha can make.
“We are experimenting,” says Kahsay. “We started with teff. If we find the insurance is good, we’ll continue. If we fail, we will take a lesson from it.”
]]>More than 200 participants, including government officials, academics, and representatives from UN agencies and non-governmental organizations attended the panel discussion on climate change. Featuring panelists from the Ministry of Agriculture and Rural Development, the international Livestock Research Institute, and the African Union, among others, the talk touched on a broad array of topics including population, health, gender, adaptation and mitigation, upcoming negotiations, and Ethiopia’s current position on climate change.
Participants were invited to join the Green Generation—a movement to help build solutions to the problems of climate change through activities that will help conserve the environment.
"For the first time I realized the urgency of this issue, and the magnitude of the problem," said Misrak Aklilu, project coordinator for Facilitator for Change Ethiopia, following a question-and-answer session on accountability and the pros and cons of urbanization and commercialization. "It is very relevant we all join this campaign realizing this issue requires our individual commitment."
But it was Dawit Basayee, a herder from the Borena zone in the southern part of the country, who gave the problem of climate change a human face. He talked about his day-to-day struggle he faced to keep his family and animals alive during the recent drought. He shared his story about the shortage of food and water that killed most of his livestock; his inability to send his children to school due to the fact that his resources had been depleted; the increasing number of health problems because of scarce water; and the threats of conflict caused by limited water and feed in the area. An exhibition that tells his story was prepared by DanChurch Aid and viewed by the participants.
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