R4 Rural Resilience Initiative Quarterly Report

R4 Rural Resilience Initiative YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ KEdEd^

ǆĞĐƵƟǀĞƐƵŵŵĂƌǇ ………………………………………………………………………… 1 Status summary ……………………………………………………………………………… 3 Accomplishments this quarter ………………………………………………………… 5 Scaling up from HARITA to R4 in Ethiopia: Rollout 2012 …………………… 6 ^ĞŶĞŐĂůŶĂƟŽŶĂůͲůĞǀĞůĂŶĂůǇƐŝƐ ………………………………………………………… 8 Conclusion ………………………………………………………………………………………12 ƉƉĞŶĚŝǆ/͗ZϰƉĂƌƚŶĞƌƐĂŶĚŝŶƐƟƚƵƟŽŶĂůƌŽůĞƐ …………………………………13 Appendix II: Scaling up in Senegal— press release—May 2012 ………………………………………………………………14 Appendix III: Rural Resilience Event Series ………………………………………15 ƉƉĞŶĚŝǆ/s͗DĞĚŝĂĐŝƚĂƟŽŶƐĂŶĚƌĞƐŽƵƌĐĞƐ ……………………………………16

Cover: In Senegal’s Koussanar arrondissement, erosion control has been in place for a while. Here, rocks help prevent the deepening of a gully. Fabio Bedini / World Food Programme yhd/s^hDDZz

For the 1.3 billion people living on less than a dollar a day who ŽĨƚŚŝŽƉŝĂ͕ƚŚĞ/ŶƚĞƌŶĂƟŽŶĂůZĞƐĞĂƌĐŚ/ŶƐƟƚƵƚĞĨŽƌůŝŵĂƚĞ depend on agriculture for their livelihoods, vulnerability to ĂŶĚ^ŽĐŝĞƚǇ;/Z/Ϳ͕ĂŶĚ^ǁŝƐƐZĞ͘dŚĞƉƌŽũĞĐƚŝƐĨƵŶĚĞĚďǇƚŚĞ ĐůŝŵĂƚĞͲƌĞůĂƚĞĚƐŚŽĐŬƐŝƐĂĐŽŶƐƚĂŶƚƚŚƌĞĂƚƚŽĨŽŽĚƐĞĐƵƌŝƚǇĂŶĚ ZŽĐŬĞĨĞůůĞƌ&ŽƵŶĚĂƟŽŶĂŶĚ^ǁŝƐƐZĞ͘ ǁĞůůͲďĞŝŶŐ͘ƐĐůŝŵĂƚĞĐŚĂŶŐĞĚƌŝǀĞƐĂŶŝŶĐƌĞĂƐĞŝŶƚŚĞĨƌĞͲ ,Z/dŚĂƐďƌŽŬĞŶŶĞǁŐƌŽƵŶĚŝŶƚŚĞĮĞůĚŽĨƌƵƌĂůƌŝƐŬ quency and intensity of natural hazards, the challenges faced by management by enabling Ethiopia’s poorest farmers to pay for ĨŽŽĚͲŝŶƐĞĐƵƌĞĐŽŵŵƵŶŝƟĞƐƐƚƌƵŐŐůŝŶŐƚŽŝŵƉƌŽǀĞƚŚĞŝƌůŝǀĞƐĂŶĚ crop insurance with their own labor. In its three years of delivery ůŝǀĞůŝŚŽŽĚƐǁŝůůĂůƐŽŝŶĐƌĞĂƐĞ͘dŚĞƋƵĞƐƟŽŶŽĨŚŽǁƚŽďƵŝůĚƌƵƌĂů ŝŶƚŚŝŽƉŝĂ͕,Z/dŚĂƐƐŚŽǁŶƉƌŽŵŝƐŝŶŐƌĞƐƵůƚƐĨŽƌƌĞƉůŝĐĂƟŽŶ͘ ƌĞƐŝůŝĞŶĐĞĂŐĂŝŶƐƚĐůŝŵĂƚĞͲƌĞůĂƚĞĚƌŝƐŬŝƐĐƌŝƟĐĂůĨŽƌĂĚĚƌĞƐƐŝŶŐ dŚĞƉƌŽũĞĐƚŚĂƐƐĐĂůĞĚĨƌŽŵϮϬϬŚŽƵƐĞŚŽůĚƐŝŶŽŶĞǀŝůůĂŐĞŝŶ global poverty. ϮϬϬϵĞŶƌŽůůĞĚŝŶƚŚĞĮŶĂŶĐŝĂůƉĂĐŬĂŐĞƚŽŵŽƌĞƚŚĂŶϭϯ͕ϬϬϬ /ŶƌĞƐƉŽŶƐĞƚŽƚŚŝƐĐŚĂůůĞŶŐĞ͕KǆĨĂŵŵĞƌŝĐĂĂŶĚƚŚĞhEtŽƌůĚ ĞŶƌŽůůĞĚŚŽƵƐĞŚŽůĚƐŝŶϰϯǀŝůůĂŐĞƐŝŶϮϬϭϭͶĚŝƌĞĐƚůǇĂīĞĐƟŶŐ &ŽŽĚWƌŽŐƌĂŵŵĞŚĂǀĞůĂƵŶĐŚĞĚƚŚĞZϰZƵƌĂůZĞƐŝůŝĞŶĐĞ/ŶŝƟĂƟǀĞ͕ approximately 75,000 people. known as R4, referring to the four risk management strategies ZϰƌĞƉƌĞƐĞŶƚƐĂŶĞǁŬŝŶĚŽĨƉĂƌƚŶĞƌƐŚŝƉ͕ďƌŝŶŐŝŶŐƉƵďůŝĐͲĂŶĚ ƚŚĂƚƚŚĞŝŶŝƟĂƟǀĞŝŶƚĞŐƌĂƚĞƐ͘ZϰďƵŝůĚƐŽŶƚŚĞŝŶŝƟĂůƐƵĐĐĞƐƐŽĨ ƉƌŝǀĂƚĞͲƐĞĐƚŽƌĂĐƚŽƌƐƚŽŐĞƚŚĞƌŝŶĂƐƚƌĂƚĞŐŝĐ͕ůĂƌŐĞͲƐĐĂůĞŝŶŝƟĂͲ ƚŚĞ,ŽƌŶŽĨĨƌŝĐĂZŝƐŬdƌĂŶƐĨĞƌĨŽƌĚĂƉƚĂƟŽŶ;,Z/dͿƉƌŽũĞĐƚ͕ ƟǀĞƚŽŝŶŶŽǀĂƚĞĂŶĚĚĞǀĞůŽƉďĞƩĞƌƚŽŽůƐƚŽŚĞůƉƚŚĞŵŽƐƚ an integrated risk management framework developed in Ethiopia vulnerable people build resilient livelihoods. R4 promises ďǇKǆĨĂŵŵĞƌŝĐĂ͕ƚŚĞZĞůŝĞĨ^ŽĐŝĞƚǇŽĨdŝŐƌĂǇ;Z^dͿ͕ĂŶĚƚŚĞŝƌ ƚŽůĞǀĞƌĂŐĞƚŚĞƌĞƐƉĞĐƟǀĞƐƚƌĞŶŐƚŚƐŽĨŝƚƐƉĂƌƚŶĞƌƐ͗KǆĨĂŵ partners to enable poor farmers to strengthen their food and ŵĞƌŝĐĂ͛ƐĐĂƉĂĐŝƚǇƚŽďƵŝůĚŝŶŶŽǀĂƟǀĞƉĂƌƚŶĞƌƐŚŝƉƐĂŶĚƚŚĞ ŝŶĐŽŵĞƐĞĐƵƌŝƚǇƚŚƌŽƵŐŚĂĐŽŵďŝŶĂƟŽŶŽĨŝŵƉƌŽǀĞĚƌĞƐŽƵƌĐĞ tŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞ͛ƐŐůŽďĂůƌĞĂĐŚĂŶĚĞǆƚĞŶƐŝǀĞĐĂƉĂĐŝƚǇ ŵĂŶĂŐĞŵĞŶƚ;ƌŝƐŬƌĞĚƵĐƟŽŶͿ͕ŝŶƐƵƌĂŶĐĞ;ƌŝƐŬƚƌĂŶƐĨĞƌͿ͕ŵŝĐƌŽͲ ƚŽƐƵƉƉŽƌƚŐŽǀĞƌŶŵĞŶƚͲůĞĚƐĂĨĞƚǇŶĞƚƐĨŽƌƚŚĞŵŽƐƚǀƵůŶĞƌĂďůĞ ĐƌĞĚŝƚ;ƉƌƵĚĞŶƚƌŝƐŬƚĂŬŝŶŐͿ͕ĂŶĚƐĂǀŝŶŐƐ;ƌŝƐŬƌĞƐĞƌǀĞƐͿ͘ people. This partnership will enable thousands more poor /ŶĂĚĚŝƟŽŶƚŽKǆĨĂŵŵĞƌŝĐĂŶĂŶĚZ^d͕ƚŚĞ,Z/dƉƌŽũĞĐƚ͛Ɛ ŶĞƚǁŽƌŬŽĨƉĂƌƚŶĞƌƐŝŶĐůƵĚĞƚŚŝŽƉŝĂŶĨĂƌŵĞƌƐ͕EǇĂůĂ/ŶƐƵƌĂŶĐĞ Share Company, Africa Insurance Company, Dedebit Credit and &ŝƌĞǁŽŽĚƟĞĚƚŽůŽŶŐƉŽůĞƐůĞĂŶƐŶĞǆƚƚŽĂǁĂůůŝŶĂƚŽǁŶŝŶdŝŐƌĂǇ͕ƚŚŝŽƉŝĂ͘ ^ĂǀŝŶŐƐ/ŶƐƟƚƵƟŽŶ;^/Ϳ͕DĞŬĞůůĞhŶŝǀĞƌƐŝƚǇ͕ƚŚĞŐŽǀĞƌŶŵĞŶƚ ǀĂͲ>ŽƩĂ:ĂŶƐƐŽŶͬKǆĨĂŵŵĞƌŝĐĂ

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ ϭ ĨĂƌŵĞƌƐĂŶĚŽƚŚĞƌĨŽŽĚͲŝŶƐĞĐƵƌĞŚŽƵƐĞŚŽůĚƐƚŽŵĂŶĂŐĞ ǁĞĂƚŚĞƌǀƵůŶĞƌĂďŝůŝƚǇƚŚƌŽƵŐŚĂŶĂīŽƌĚĂďůĞ͕ĐŽŵƉƌĞŚĞŶƐŝǀĞ ƌŝƐŬŵĂŶĂŐĞŵĞŶƚƉƌŽŐƌĂŵƚŚĂƚďƵŝůĚƐůŽŶŐͲƚĞƌŵƌĞƐŝůŝĞŶĐĞ͘ The R4 partnership will test and develop a new set of integrated ƚŽŽůƐƚŚĂƚĞǆƚĞŶĚƚŚĞƌŝƐŬŵĂŶĂŐĞŵĞŶƚďĞŶĞĮƚƐŽĨĮŶĂŶĐŝĂů services, such as insurance and credit, to the most vulnerable ƉŽƉƵůĂƟŽŶƐ͘ZϰĨŽĐƵƐĞƐŽŶŵĞĐŚĂŶŝƐŵƐƚŚĂƚĐĂŶďĞŝŶƚĞŐƌĂƚĞĚŝŶƚŽ ƐŽĐŝĂůƉƌŽƚĞĐƟŽŶƐǇƐƚĞŵƐ͕ŝŶĐůƵĚŝŶŐƉƌŽĚƵĐƟǀĞƐĂĨĞƚǇŶĞƚƐ͕ƐŽƚŚĂƚ the results can be applied at a much larger scale by governments ĂŶĚŝŶƚĞƌŶĂƟŽŶĂůŽƌŐĂŶŝǌĂƟŽŶƐ͕ŝĨƐƵĐĐĞƐƐĨƵů͘&ŽƌĞǆĂŵƉůĞ͕ŝŶƐƵƌͲ ĂŶĐĞĨŽƌǁŽƌŬͶĂŬĞǇƉĂƌƚŽĨƚŚĞZϰĂƉƉƌŽĂĐŚĂŶĚĂŶŝŶŶŽǀĂƟǀĞ food assistance tool— not only can be used to expand access to ŝŶƐƵƌĂŶĐĞďƵƚĐĂŶďĞĂĚĚĞĚƚŽůĂďŽƌͲďĂƐĞĚƐĂĨĞƚǇŶĞƚƐƚŽƉƌŽƚĞĐƚ ďĞŶĞĮĐŝĂƌŝĞƐĂŶĚƌĞĚƵĐĞĐŽƐƚƐĨŽƌŐŽǀĞƌŶŵĞŶƚƐĂŶĚĚŽŶŽƌƐĨƌŽŵ ƚŚĞĚŝƐƌƵƉƟŽŶƐĐĂƵƐĞĚďǇĐůŝŵĂƚĞĚŝƐĂƐƚĞƌƐ͘ ǇĐŽŵďŝŶŝŶŐ,Z/d͛ƐƐƵĐĐĞƐƐĨƵůŵŽĚĞůĨŽƌƉĂƌƟĐŝƉĂƚŽƌǇĚĞƐŝŐŶ ĂŶĚĐĂƉĂĐŝƚǇďƵŝůĚŝŶŐǁŝƚŚƚŚĞtŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞ͛ƐŐůŽďĂů ĐĂƉĂĐŝƚǇ͕ZϰǁŝůůŚĞůƉĂĐĐĞůĞƌĂƚĞƚŚĞƐĐĂůĞͲƵƉĂŶĚƚĞƐƟŶŐŽĨƚŚŝƐ ŝŶŶŽǀĂƟǀĞĂƉƉƌŽĂĐŚŝŶƚŚŝŽƉŝĂ͕^ĞŶĞŐĂů͕ 1 and two other countries ŝŶƚŚĞŶĞǆƚĮǀĞǇĞĂƌƐ͘ZϰĂůƐŽĐŽŶƐƟƚƵƚĞƐĂĮƌƐƚƐƚĞƉƚŽǁĂƌĚĚĞǀĞůͲ ŽƉŝŶŐĂƐƵƐƚĂŝŶĂďůĞŝŶƐƵƌĂŶĐĞŵĂƌŬĞƚĨŽƌƉŽŽƌƉĞŽƉůĞ͕ĂŶĞƐƐĞŶƟĂů factor in ensuring farmers’ livelihoods and food security, and in improving farmers’ resilience over the long term.

In this report we share key accomplishments during the April– :ƵŶĞϮϬϭϮƋƵĂƌƚĞƌ͕ƉƌĞƐĞŶƚƚŚĞŶĂƟŽŶĂůͲůĞǀĞůĂŶĂůǇƐŝƐĐŽŶĚƵĐƚĞĚ ŝŶ^ĞŶĞŐĂůŝŶƉƌĞƉĂƌĂƟŽŶŽĨƚŚĞƉŝůŽƚƌŽůůŽƵƚŝŶϮϬϭϯ͕ĂŶĚƐŚĂƌĞ ŝŶĨŽƌŵĂƟŽŶŽŶƉƌŽũĞĐƚĞǆƉĂŶƐŝŽŶŝŶƚŚŝŽƉŝĂĨŽƌƚŚĞϮϬϭϮĂŐƌŝĐƵůͲ tural season.

1 For more details on R4 expansion to Senegal, see Appendix II: Scaling up in Senegal—press release—May 2012.

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ Ϯ ^ddh^^hDDZz

ETHIOPIA KŶĞŽĨƚŚĞƐƵĐĐĞƐƐĞƐƚŚĞƉƌŽũĞĐƚŚĂƐŚĂĚƚŚŝƐǇĞĂƌŝƐƚŚĂƚĨĂƌŵĞƌƐ dŚĞ,Z/dƉƌŽũĞĐƚ͕ŝŶŝƟĂƚĞĚďǇKǆĨĂŵŵĞƌŝĐĂ͕Z^d͕ĂŶĚŽƚŚĞƌ ĂƌĞƉƵƌĐŚĂƐŝŶŐŝŶƐƵƌĂŶĐĞĞŝƚŚĞƌǁŝƚŚƉĂƌƟĂůŽƌĨƵůůĐĂƐŚŝŶƐƚĞĂĚŽĨ partners in 2009, expanded from 200 farmers in the pilot village, 2 ƉƵƌĐŚĂƐŝŶŐŝƚĞŶƟƌĞůǇǁŝƚŚůĂďŽƌ͘DŽƌĞĚĞƚĂŝůƐŽŶƚŚŝƐŝŵƉŽƌƚĂŶƚ Adi Ha, to more than 13,000 farmers in 43 villages in 2011, in nine ĂĐŚŝĞǀĞŵĞŶƚĂƌĞĂǀĂŝůĂďůĞŝŶƚŚĞƐĞĐƟŽŶ͞^ĐĂůŝŶŐƵƉĨƌŽŵ,Z/d districts 3 in the Tigray region of Ethiopia. From 2012 onwards, the to R4 in Ethiopia: Rollout 2012” of this report. ƉƌŽũĞĐƚĐŽŶƟŶƵĞƐƚŽŽƉĞƌĂƚĞŝŶƚŚŝŽƉŝĂĂƐƉĂƌƚŽĨƚŚĞZϰZƵƌĂů ZĞƐŝůŝĞŶĐĞ/ŶŝƟĂƟǀĞ͘ In the 2012 agricultural season, R4 plans to expand to more than 70 villages in Tigray region including the 43 villages covered last year in the 2011 agricultural season. Insurance enrollment has ďĞŐƵŶŝŶƚŚĞƚĂƌŐĞƚǀŝůůĂŐĞƐ͘dŚĞĞŶƌŽůůŵĞŶƚƉƌŽĐĞƐƐǁŝůůĐŽŶƟŶƵĞ ƵƉƚŽ:ƵůǇϮϬϭϮ͕ǁŚŝĐŚŝƐƚŚĞďĞŐŝŶŶŝŶŐŽĨƚŚĞƉůĂŶƟŶŐƐĞĂƐŽŶ͘ dŚĞĨĂƌŵĞƌƐǁŝůůĐŽŶƟŶƵĞƚŽŚĂǀĞĂĐĐĞƐƐƚŽĐƌĞĚŝƚĨŽƌƉƌƵĚĞŶƚ ƌŝƐŬͲƚĂŬŝŶŐ͘ĞƚĂŝůƐŽŶƚŚĞϮϬϭϮĞŶƌŽůůŵĞŶƚƌĞƐƵůƚƐǁŝůůďĞƐŚĂƌĞĚ in the next quarterly report.

&ŝŐƵƌĞϭ͘ZϰƚŚŝŽƉĂƟŵĞůŝŶĞĨŽƌϮϬϭϮƐĞĂƐŽŶ

ϮϬϭϭ ϮϬϭϮ

:ĂŶ Feb Mar Apr May :ƵŶ :Ƶů Aug Sep Oct EŽǀ Dec :ĂŶ Feb Mar APR Dz :hE :Ƶů Aug Sep Oct EŽǀ Dec ^ƚĂƚƵƐ

Financial ĞĚƵĐĂƟŽŶ 3 and outreach

Financial package 3 development

3 Enrollment 3 ZŝƐŬƌĞĚƵĐƟŽŶĂĐƟǀŝƟĞƐ Payout 3 process &ŝŶĂŶĐŝĂůĞĚƵĐĂƟŽŶ 3 and outreach Financial package 3 development

Enrollment

ZŝƐŬƌĞĚƵĐƟŽŶĂĐƟǀŝƟĞƐ

Payout process

2 This report uses the word “village” to refer to the Ethiopian term tabia , or subdistrict. Tabia is the Tigrigna language name for kebele , that is, the smallest ĂĚŵŝŶŝƐƚƌĂƟǀĞƵŶŝƚŽĨƚŚĞƚŚŝŽƉŝĂŶĨĞĚĞƌĂůŐŽǀĞƌŶŵĞŶƚ;hEŵĞƌŐĞŶĐǇhŶŝƚĨŽƌ ƚŚŝŽƉŝĂ͕ϮϬϬϯͿ͘ƚŚŝŽƉŝĂ͛ƐĂĚŵŝŶŝƐƚƌĂƟǀĞƵŶŝƚƐƚƌƵĐƚƵƌĞŚŝĞƌĂƌĐŚǇĨŽůůŽǁƐƌĞŐŝŽŶ ;Ğ͘Ő͕͘dŝŐƌĂǇͿхǌŽŶĞ;Ğ͘Ő͕͘ĂƐƚĞƌŶdŝŐƌĂǇͿх woreda ͬĚŝƐƚƌŝĐƚ;Ğ͘Ő͕͘<ŽůĂdĂŵďĞŶͿх tabia ͬƐƵďĚŝƐƚƌŝĐƚ;Ğ͘Ő͕͘Ěŝ,ĂͿх kushet . 3 The word “district” here refers to the Ethiopian term woreda . It is approximately ĞƋƵŝǀĂůĞŶƚƚŽĂĚŝƐƚƌŝĐƚŝŶŽƚŚĞƌĐŽƵŶƚƌŝĞƐ;&ŽŽĚĂŶĚŐƌŝĐƵůƚƵƌĞKƌŐĂŶŝǌĂƟŽŶ͕ϮϬϭϬͿ͘

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ 3 ^E'> dŚĞZϰ^ĞŶĞŐĂůƚĞĂŵ͕ĐŽŵƉŽƐĞĚŽĨƐƚĂīĨƌŽŵƚŚĞtŽƌůĚ&ŽŽĚ Programme and Oxfam America, has begun the planning pro Ͳ ĐĞƐƐĨŽƌƚŚĞZϰϮϬϭϯƉŝůŽƚƌŽůůŽƵƚŝŶ^ĞŶĞŐĂů͘ŶĂƟŽŶĂůͲůĞǀĞů ĂŶĂůǇƐŝƐĂŶĚƉƌĞůŝŵŝŶĂƌǇƐĞůĞĐƟŽŶŽĨƉŽƚĞŶƟĂůZϰƉŝůŽƚĂƌĞĂƐ within Senegal have been completed. As part of the analysis, the R4 Senegal team studied the Senegal context, including ƚŚĞƌŝƐŬƐƚŽĨŽŽĚƐĞĐƵƌŝƚǇ͕ƌĞŐŝŽŶĂůĚĞŵŽŐƌĂƉŚŝĐƐĂŶĚŵĂũŽƌ ĚĞǀĞůŽƉŵĞŶƚĂůĐŽŶĐĞƌŶƐ͕ĞǆŝƐƟŶŐƉŽůŝĐŝĞƐ͕ĂŶĚƐƚƌĂƚĞŐŝĞƐĂƐǁĞůů ĂƐƌĞŐƵůĂƚŽƌǇĨƌĂŵĞǁŽƌŬƐŽŶĚŝīĞƌĞŶƚƐĞĐƚŽƌƐůŝŶŬĞĚƚŽZϰ͕ƚŽ ŐƵŝĚĞƚŚĞƉƌŽũĞĐƚŝŵƉůĞŵĞŶƚĂƟŽŶĂŶĚĐŽŽƌĚŝŶĂƟŽŶ͘dŚĞƚĞĂŵ also carried out a comprehensive climate and food security risk ĂŶĂůǇƐŝƐƚŽƐƵƉƉŽƌƚŐĞŽŐƌĂƉŚŝĐƚĂƌŐĞƟŶŐ͘ DŽƌĞĚĞƚĂŝůƐŽŶƚŚĞŽƵƚƉƵƚƐŽĨƚŚĞŶĂƟŽŶĂůͲůĞǀĞůĂŶĂůǇƐŝƐĂƉƉĞĂƌ ŝŶƚŚĞ͞^ĞŶĞŐĂůEĂƟŽŶĂůͲ>ĞǀĞůŶĂůǇƐŝƐ͟ƐĞĐƟŽŶŽĨƚŚŝƐƌĞƉŽƌƚ͘

&ŝŐƵƌĞϮ͘Zϰ^ĞŶĞŐĂůƟŵĞůŝŶĞĨŽƌϮϬϭϯƐĞĂƐŽŶ

ϮϬϭϮ ϮϬϭϯ

:ĂŶ Feb Mar APR Dz :hE :Ƶů Aug Sep Oct EŽǀ Dec :ĂŶ Feb Mar Apr May :ƵŶ :Ƶů Aug Sep Oct EŽǀ Dec ^ƚĂƚƵƐ 3 Planning

Assessments

&ŝŶĂŶĐŝĂůĞĚƵĐĂƟŽŶ and outreach Financial package development

Enrollment

ZŝƐŬƌĞĚƵĐƟŽŶĂĐƟǀŝƟĞƐ

Payout process

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ 4 KDW>/^,DEd^d,/^YhZdZ

DĞƚƌŝĐƐĨƌŽŵƚŚĞĮĞůĚ /ŶƐƟƚƵƟŽŶ͕EǇĂůĂ/ŶƐƵƌĂŶĐĞ^ŚĂƌĞŽŵƉĂŶǇ͕dŝŐƌĂǇƵƌĞĂƵŽĨ ŐƌŝĐƵůƚƵƌĞ͕ĂŶĚdŝŐƌĂǇEĂƟŽŶĂůDĞƚĞŽƌŽůŽŐǇĂŐĞŶĐǇ͕ǁĞƌĞ ETHIOPIA ŝŶĂƩĞŶĚĂŶĐĞ͘ ͻƚŽƚĂůŽĨϭϰ͕ϲϴϴĨĂƌŵĞƌƐĨƌŽŵϯϬǀŝůůĂŐĞƐƉĂƌƟĐŝƉĂƚĞĚŝŶ ĂǁĂƌĞŶĞƐƐĂŶĚĞĚƵĐĂƟŽŶƉƌŽŐƌĂŵƐŽŶĐŽŵŵƵŶŝƚǇƌŝƐŬ ^E'> management and insurance through the viewing of videos. ͻZϰ^ĞŶĞŐĂůĐŽƵŶƚƌǇƚĞĂŵƐŚĂǀĞďĞĞŶĞƐƚĂďůŝƐŚĞĚĨŽƌďŽƚŚƚŚĞ ͻ/ŶƐƵƌĂŶĐĞĞŶƌŽůůŵĞŶƚŝƐŽŶŐŽŝŶŐŝŶƚŚĞƐĂŵĞϰϯǀŝůůĂŐĞƐ tŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞĂŶĚKǆĨĂŵŵĞƌŝĐĂ͕ĨŽƌũŽŝŶƚĮĞůĚ ǁŚĞƌĞŝŶƐƵƌĂŶĐĞǁĂƐŽīĞƌĞĚůĂƐƚǇĞĂƌĂƐǁĞůůĂƐŝŶĂƉƉƌŽǆŝͲ ŽƉĞƌĂƟŽŶƐ͘ mately 30 more villages. ͻƐƉĂƌƚŽĨƚŚĞŶĂƟŽŶĂůĂƐƐĞƐƐŵĞŶƚĂŶĚƉůĂŶŶŝŶŐƉŚĂƐĞ͕ƚŚĞ ͻ>ŽĐĂůĐŽŵŵƵŶŝƚǇŵĞŵďĞƌƐĨŽƌŵĞĚĚĞƐŝŐŶƚĞĂŵƐŝŶĞĂĐŚ R4 Senegal team carried out: of the expansion villages. The design teams consist of six to ͲůŝŵĂƚĞĂŶĚĨŽŽĚƐĞĐƵƌŝƚǇƌŝƐŬĂŶĂůǇƐŝƐ seven community members, including two women represen Ͳ ͲDĂƉƉŝŶŐŽĨŶĂƟŽŶĂůƉŽůŝĐŝĞƐͬƐƚƌĂƚĞŐŝĞƐĂŶĚĞǆŝƐƟŶŐ ƚĂƟǀĞƐ͕ĂůůĞůĞĐƚĞĚďǇƚŚĞŝƌƉĞĞƌƐ͘ ŝŶƐƟƚƵƟŽŶĂůĨƌĂŵĞǁŽƌŬƐŽŶĐůŝŵĂƚĞĐŚĂŶŐĞ͕ĨŽŽĚƐĞĐƵƌŝƚǇ͕ ͻĂƉĂĐŝƚǇͲďƵŝůĚŝŶŐƚƌĂŝŶŝŶŐƐǁĞƌĞĐŽŶĚƵĐƚĞĚƚŽƚƌĂŝŶĚĞǀĞůŽƉͲ agriculture development, environment, disaster risk ŵĞŶƚĂŐĞŶƚƐĂŶĚĚŝƐƚƌŝĐƚŽĸĐŝĂůƐŽŶŝŶƐƵƌĂŶĐĞĐŽŶĐĞƉƚƐ͘ ƌĞĚƵĐƟŽŶ͕ĂŶĚŵŝĐƌŽĮŶĂŶĐĞĂŶĚŵŝĐƌŽŝŶƐƵƌĂŶĐĞ ͻƚŽƚĂůŽĨϯϲϬĨĂƌŵĞƌƐǁĞƌĞƚƌĂŝŶĞĚŝŶ͞ƚƌĂŝŶƚŚĞƚƌĂŝŶĞƌ͟ ͲDĂƉƉŝŶŐŽĨĞǆŝƐƟŶŐƉƌŽŐƌĂŵƐĂŶĚƉƌŽũĞĐƚƐƚŽŐƵŝĚĞƉƌŽũĞĐƚ ǁŽƌŬƐŚŽƉƐŽŶŝŶƐƵƌĂŶĐĞĐŽŶĐĞƉƚƐ͕ƌĞŐƵůĂƟŽŶƐ͕ĂŶĚ ŝŵƉůĞŵĞŶƚĂƟŽŶĂŶĚĐŽŽƌĚŝŶĂƟŽŶ ĐŽŶƐƵŵĞƌƉƌŽƚĞĐƟŽŶ͘ ͻdǁŽĞǆƉůĂŶĂƚŽƌǇǀŝƐŝƚƐƚŽdĂŵďĂĐŽƵŶĚĂĂŶĚ<ŽƵŵƉĞŶƚŽƵŵ ͻWĂƌƟĐŝƉĂƚŽƌǇǀƵůŶĞƌĂďŝůŝƚǇĂŶĚĐĂƉĂĐŝƚǇĂƐƐĞƐƐŵĞŶƚƐǁĞƌĞ departments in the Tambacounda region were con Ͳ ĐŽŶĚƵĐƚĞĚŝŶƐĞǀĞŶǀŝůůĂŐĞƐƚŽŝĚĞŶƟĨǇƌŝƐŬƌĞĚƵĐƟŽŶĂĐƟǀŝƟĞƐ͘ ĚƵĐƚĞĚďǇƚŚĞZϰ^ĞŶĞŐĂůƚĞĂŵƚŽŝĚĞŶƟĨǇƉŝůŽƚĂƌĞĂƐŽĨ ͻZŝƐŬƌĞĚƵĐƟŽŶĂĐƟǀŝƟĞƐƚŚĂƚŚĂǀĞďĞĞŶŝŶŝƟĂƚĞĚŝŶĐůƵĚĞ ŝŵƉůĞŵĞŶƚĂƟŽŶ͘ ĐĂĐƚƵƐƉůĂŶƚĂƟŽŶ͕ĐŽŶƐƚƌƵĐƟŽŶŽĨƚƌĞŶĐŚĞƐ͕ŵĂŶƵĨĂĐƚƵƌĞŽĨ ĐŽŵƉŽƐƚ͕ĂŶĚĐŽŶƐƚƌƵĐƟŽŶŽĨƉĞƌĐŽůĂƟŽŶƉŽŶĚƐ͘ ͻ<ŽƵƐƐĂŶĂƌĂƌƌŽŶĚŝƐƐĞŵĞŶƚŽĨdĂŵďĂĐŽƵŶĚĂƌĞŐŝŽŶŝŶƚŚĞ southeast of Senegal was selected as the target area for ͻƚŽƚĂůŽĨϭϵϰĨĞŵĂůĞͲŚĞĂĚĞĚŚŽƵƐĞŚŽůĚƐĂŶĚĞǆƚĞŶƐŝŽŶ ƉŝůŽƟŶŐZϰďĂƐĞĚŽŶƚŚĞƉƌĞǀĂůĞŶƚĨŽŽĚŝŶƐĞĐƵƌŝƚǇĐŽŶĚŝƟŽŶƐ ĂŐĞŶƚƐƉĂƌƟĐŝƉĂƚĞĚŝŶƚƌĂŝŶŝŶŐŽŶƚƌĂŶƐƉůĂŶƟŶŐ͘ and the area’s vulnerability to climate change. ͻŶĞǆƉŽƐƵƌĞǀŝƐŝƚŽŶĂŐƌŽĨŽƌĞƐƚƌǇǁĂƐĐŽŶĚƵĐƚĞĚĨŽƌϭϱϬ ƉĂƌƟĐŝƉĂŶƚƐŝŶĐůƵĚŝŶŐĨĂƌŵĞƌƐĂŶĚĚĞǀĞůŽƉŵĞŶƚĂŐĞŶƚƐ͘ ͻDĂƌŬĞƚĂŶĂůǇƐŝƐĂŶĚůĂŶĚͲƵƐĞĂŶĂůǇƐŝƐŽĨ<ŽƵƐƐĂŶĂƌ͕ŝŶƚŚĞ ͻƐƚĂŬĞŚŽůĚĞƌƐ͛ǁŽƌŬƐŚŽƉǁĂƐŚĞůĚƚŽĚŝƐĐƵƐƐ,Z/d Tambacounda department, is in progress. ƉƌŽŐƌĂŵĞǀĂůƵĂƟŽŶŵĞƚŚŽĚŽůŽŐǇĂŶĚƚŽƐŚĂƌĞŝĚĞĂƐĨŽƌ ŝŵƉƌŽǀĞŵĞŶƚŝŶŵĞĂƐƵƌŝŶŐƚŚĞŝŵƉĂĐƚŽĨƚŚĞĚŝīĞƌĞŶƚ program components. The program partners, including the Relief Society of Tigray, DeDebit Credit and Savings

ZϰǁĂƐƉƌĞƐĞŶƚĞĚĂƚƐĞǀĞƌĂůŚŝŐŚͲƉƌŽĮůĞŐůŽďĂůĞǀĞŶƚƐŝŶĐůƵĚŝŶŐ͗ ͻĐĂĚĞŵǇŽĨ/ŶƚĞƌŶĂƟŽŶĂůƵƐŝŶĞƐƐƉĂŶĞůŽŶ͞dƌĂĚŝŶŐWůĂĐĞƐ͗ dŚĞǀŽůǀŝŶŐZŽůĞŽĨ'ŽǀĞƌŶŵĞŶƚ͕ƵƐŝŶĞƐƐĂŶĚŝǀŝů^ŽĐŝĞƚǇŝŶ ͻ͞ƵŝůĚŝŶŐŝƐĂƐƚĞƌZĞƐŝůŝĞŶĐĞ͗'ĂƉƐĂŶĚ/ŶŶŽǀĂƟŽŶƐŝŶŝƐĂƐƚĞƌ ƚŚĞ'ůŽďĂůƵƐŝŶĞƐƐŶǀŝƌŽŶŵĞŶƚ͟ Risk Modeling and Financing,” a workshop organized by the ĞƉĂƌƚŵĞŶƚĨŽƌ/ŶƚĞƌŶĂƟŽŶĂůĞǀĞůŽƉŵĞŶƚ;&/Ϳ The Forum for Agricultural Risk Management in Development ͻ^ǁŝƐƐZĞŐƌŝĐƵůƚƵƌĂů/ŶƐƵƌĂŶĐĞůŝĞŶƚĂŶĚǆƉĞƌƚZŽƵŶĚƚĂďůĞŝŶ ;&ZDͿ͕ĂŶŽŶůŝŶĞƉůĂƞŽƌŵůĞĚďǇƚŚĞĂŐƌŝĐƵůƚƵƌĂůƌŝƐŬŵĂŶĂŐĞͲ EĂŝƌŽďŝ ŵĞŶƚƚĞĂŵŚŽƵƐĞĚĂƚƚŚĞtŽƌůĚĂŶŬƚŽƉƌŽŵŽƚĞŬŶŽǁůĞĚŐĞ ͻ/ϰdĞĐŚŶŝĐĂůDĞĞƟŶŐϮϬϭϮ͕ŽƌŐĂŶŝǌĞĚďǇ/ϰ/ŶĚĞǆ/ŶƐƵƌĂŶĐĞ exchange on agriculture risk management, highlighted the R4 /ŶŶŽǀĂƟŽŶ/ŶŝƟĂƟǀĞ͕ŝŶZŽŵĞ program in its recent ŶĞǁƐůĞƩĞƌ . ͻdĞĐŚŶŝĐĂůǁŽƌŬƐŚŽƉŽŶƚŚĞĐŚĂůůĞŶŐĞƐŽĨŝŶĚĞǆͲďĂƐĞĚŝŶƐƵƌĂŶĐĞ ZϰǁĂƐŚŝŐŚůŝŐŚƚĞĚŝŶĂŶĂƌƟĐůĞďǇsŝĐƚŽƌŝĂĂƐƚǁŽŽĚŽĨEEƟͲ ĨŽƌĨŽŽĚƐĞĐƵƌŝƚǇŝŶĚĞǀĞůŽƉŝŶŐĐŽƵŶƚƌŝĞƐŽƌŐĂŶŝǌĞĚďǇƚŚĞ:ŽŝŶƚ tled “ Insurance Helps Kenya’s Herders Protect Against Drought .” ZĞƐĞĂƌĐŚĞŶƚƌĞŽĨƚŚĞƵƌŽƉĞĂŶŽŵŵŝƐƐŝŽŶ;:ZͬͿĂŶĚƚŚĞ /ŶƚĞƌŶĂƟŽŶĂůZĞƐĞĂƌĐŚ/ŶƐƟƚƵƚĞĨŽƌůŝŵĂƚĞĂŶĚ^ŽĐŝĞƚǇŝŶ/ƚĂůǇ

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ 5 ^>/E'hW&ZKD,Z/ddKZϰ/Ed,/KW/͗ ZK>>KhdϮϬϭϮ

<'ZKhE DKs/E'&ZKDW/>KddKZW>/d/KE /ŶƚŚŝŽƉŝĂ͛ƐĐƌŽƉͲĚĞƉĞŶĚĞŶƚŶŽƌƚŚĞƌŶŚŝŐŚůĂŶĚƐ͕ŝŶĐůƵĚŝŶŐ dŚĞƉƌŽũĞĐƚƚŚĂƚǁĂƐŝŶŝƟĂƚĞĚŝŶϮϬϬϵ͕ƚŚĞ,Z/dƉŝůŽƚďǇKǆĨĂŵ ƚŚĞdŝŐƌĂǇƌĞŐŝŽŶ͕ĂƐŝŐŶŝĮĐĂŶƚƉƌŽƉŽƌƟŽŶŽĨƚŚĞƉŽƉƵůĂƟŽŶŝƐ America, REST, and a host of partners in the Adi Ha village in chronically food insecure. Farmers are highly reliant on seasonal Ethiopia’s northern Tigray region with an aim to strengthen farm Ͳ rains for agriculture, their main source of income and food. The ĞƌƐ͛ůŽŶŐͲƚĞƌŵĨŽŽĚĂŶĚŝŶĐŽŵĞƐĞĐƵƌŝƚǇ͕ŝƐƉůĂŶŶĞĚƚŽĞǆƉĂŶĚƚŽ main meher ŐƌŽǁŝŶŐƐĞĂƐŽŶĐŽƌƌĞƐƉŽŶĚƐǁŝƚŚƚŚĞ:ƵŶĞͲƚŚƌŽƵŐŚͲ more than 70 villages this year as part of the R4 Rural Resilience ^ĞƉƚĞŵďĞƌƌĂŝŶǇƐĞĂƐŽŶ͘&ĂƌŵĞƌƐƉůĂŶƚůŽŶŐͲĐǇĐůĞĐƌŽƉƐ͕ƐƵĐŚĂƐ /ŶŝƟĂƟǀĞ͘dŚĞƉƌŽũĞĐƚŽīĞƌƐĂƌŽďƵƐƚƌŝƐŬŵĂŶĂŐĞŵĞŶƚƉĂĐŬĂŐĞ ŵĂŝǌĞ;ĐŽƌŶͿ͕ƐŽƌŐŚƵŵ͕ĂŶĚŵŝůůĞƚŝŶƉƌŝůĂŶĚDĂǇ͕ĂŶĚŚĂƌǀĞƐƚ ƚŚĂƚŝŶƚĞŐƌĂƚĞƐĚŝƐĂƐƚĞƌƌŝƐŬƌĞĚƵĐƟŽŶĂŶĚĂīŽƌĚĂďůĞŝŶƐƵƌĂŶĐĞ ŝŶůĂƚĞ^ĞƉƚĞŵďĞƌƚŚƌŽƵŐŚEŽǀĞŵďĞƌ͘^ŚŽƌƚͲĐǇĐůĞĐƌŽƉƐ͕ƐƵĐŚĂƐ by allowing farmers to pay insurance premiums with their labor ƚĞī;ĂƐƚĂƉůĞŐƌĂŝŶƵƐĞĚƚŽŵĂŬĞƚŚĞĚĂŝůǇďƌĞĂĚ͕ĐĂůůĞĚ injera Ϳ ƚŚƌŽƵŐŚƌŝƐŬƌĞĚƵĐƟŽŶƉƌŽũĞĐƚƐŝŶƚŚĞŝƌĐŽŵŵƵŶŝƟĞƐ͘ ĂŶĚďĂƌůĞǇ͕ĂƌĞƉůĂŶƚĞĚŝŶ:ƵŶĞŽƌ:ƵůǇĂŶĚŚĂƌǀĞƐƚĞĚŝŶKĐƚŽďĞƌ The charts below show the growth of the program from the ĂŶĚEŽǀĞŵďĞƌ͘ ,Z/dƉŝůŽƚ;ϮϬϬϵͲϮϬϭϭͿƚŽZϰĞǆƉĂŶƐŝŽŶ;ϮϬϭϮͿ͘dŚĞƉƌŽŐƌĂŵ dƌĂĚŝƟŽŶĂůůǇ͕ĨĂƌŵĞƌƐ͛ƉƌŝŵĂƌǇƌŝƐŬŵĂŶĂŐĞŵĞŶƚƐƚƌĂƚĞŐǇŚĂƐďĞĞŶ aims to reach approximately 70 villages and 15,000 households in ƚŽŝŶǀĞƐƚĂŶǇĞǆƚƌĂŝŶĐŽŵĞŝŶůŝǀĞƐƚŽĐŬƐƵĐŚĂƐĐĂƩůĞĂŶĚŐŽĂƚƐ͘ ƚŚĞϮϬϭϮĂŐƌŝĐƵůƚƵƌĂůƐĞĂƐŽŶ͘dŚĞƉƌŽũĞĐƚǁŝůůĐŽŶƟŶƵĞŝƚƐŝŵƉůĞͲ tŚĞŶƚŚĞŵĂŝŶƌĂŝŶƐĂƉƉĞĂƌŐŽŽĚ͕ĨĂƌŵĞƌƐƉůĂŶƚůŽŶŐͲĐǇĐůĞĐƌŽƉƐ ŵĞŶƚĂƟŽŶŝŶƚŚĞϰϯǀŝůůĂŐĞƐǁŚĞƌĞŝŶƐƵƌĂŶĐĞǁĂƐŽīĞƌĞĚŝŶϮϬϭϭ͕ like maize in early April and May. If those rains fail, farmers may ĂŶĚŝƚǁŝůůĞǆƉĂŶĚƚŽĂƉƉƌŽǆŝŵĂƚĞůǇϯϬĂĚĚŝƟŽŶĂůǀŝůůĂŐĞƐ͘ƵƌŝŶŐ ƉůĂŶƚƚĞīŝŶ:ƵŶĞĂŶĚ:ƵůǇĂƐďĂĐŬƵƉĂŐĂŝŶƐƚĞǆƉĞĐƚĞĚůŽƐƐĞƐŽĨ ƚŚĞƌĞƉŽƌƟŶŐƉĞƌŝŽĚ͕ĞǆƉůŽƌĂƚŽƌǇǀŝƐŝƚƐǁĞƌĞŵĂĚĞƚŽŶĞǁƐŝƚĞƐ ůŽŶŐͲĐǇĐůĞĐƌŽƉƐ͘/ĨƚŚŽƐĞƌĂŝŶƐĨĂŝů͕ĨĂƌŵĞƌƐĐŽƉĞďǇƐĞůůŝŶŐůŝǀĞͲ ďĞƐŝĚĞƐĐŽŶƟŶƵĞĚǀŝƐŝƚƐƚŽƚŚĞϰϯǀŝůůĂŐĞƐ͘ stock. Although selling livestock ensures immediate survival, the dŚĞĞŶƌŽůůŵĞŶƚďĞŐĂŶŝŶDĂƌĐŚĂŶĚǁŝůůĐŽŶƟŶƵĞƵŶƟů:ƵůǇ͘ ůŽƐƐŽĨƐĂǀŝŶŐƐĂŶĚƉƌŽĚƵĐƟǀĞĂƐƐĞƚƐƵŶĚĞƌŵŝŶĞƐĨĂƌŵĞƌƐ͛ĨƵƚƵƌĞ WƌĞůŝŵŝŶĂƌǇŝŶĨŽƌŵĂƟŽŶĨƌŽŵƚŚĞĮĞůĚƐƵŐŐĞƐƚƐƉƌŽŵŝƐŝŶŐƌĞƐƵůƚƐ ability to build sustainable livelihoods. for the 2012 enrollment.

&ŝŐƵƌĞϯ͘,Z/dƚŽZϰƐĐĂůĞͲƵƉ͗'ŽĂůƐǀƐ͘ĂĐƚƵĂůŚŽƵƐĞŚŽůĚƐ &ŝŐƵƌĞϰ͘,Z/dƚŽZϰƐĐĂůĞͲƵƉ͗'ŽĂůƐ

16000 80

14000 'K>͗ 70 'K>͗ϳϬ 15,000 'K> 13,195 12000 60 ACTUAL 11,500 10000 50

8000 40 43

6000 30

4000 20

15000 2000 10 700 1,308 5 100 200 1 0 0 2009 2010 2011 2012 2009 2010 2011 2012

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ 6 ZK>>KhdϮϬϭϮ dŚĞŽƉƟŽŶƚŽƉƵƌĐŚĂƐĞďŽƚŚƚŚĞĂƌůǇ/ŶĚĞǆĂŶĚ>ĂƚĞ/ŶĚĞǆŝƐ dŚŝƐǇĞĂƌ͕ŽŶĞŽĨƚŚĞƐƵĐĐĞƐƐĞƐŽĨƚŚĞƉƌŽũĞĐƚŚĂƐďĞĞŶƚŚĂƚ available for farmers growing a crop that is vulnerable to both late ĞŶƌŽůůĞĚĨĂƌŵĞƌƐĂƌĞƉƵƌĐŚĂƐŝŶŐŝŶƐƵƌĂŶĐĞƉĂƌƟĂůůǇŽƌĨƵůůǇǁŝƚŚ ŽŶƐĞƚĂŶĚĞĂƌůǇĞŶĚŽĨƌĂŝŶĨĂůů;Ğ͘Ő͕͘ůŽŶŐͲĐǇĐůĞƐŽƌŐŚƵŵ͕ŵĂŝǌĞ͕ cash instead of purchasing it fully with labor. ŽƌǁŚĞĂƚͬďĂƌůĞǇͿ͕ǁŚĞƌĞĂƐƚŚĞŽƉƟŽŶƚŽƉƵƌĐŚĂƐĞŽŶůǇƚŚĞ>ĂƚĞ Index is available to farmers growing crops that are vulnerable /ŶƚŚĞϰϯǀŝůůĂŐĞƐǁŚĞƌĞŝŶƐƵƌĂŶĐĞŝƐďĞŝŶŐŽīĞƌĞĚĨŽƌƚŚĞƐĞĐŽŶĚ ŽŶůǇƚŽĞĂƌůǇĞŶĚŽĨƌĂŝŶĨĂůů;ƚĞīͿ͘ year, farmers are purchasing insurance with 10 percent payment in cash and the remaining in labor. In the expansion villages, farm Ͳ /ŶƐƵƌĂŶĐĞǁŝůůďĞŽīĞƌĞĚďǇƚŚŝŽƉŝĂŶŝŶƐƵƌĂŶĐĞĐŽŵƉĂŶŝĞƐ͕ ers are purchasing insurance with 100 percent cash payment. This ŶĂŵĞůǇ͕EǇĂůĂ/ŶƐƵƌĂŶĐĞ^ŚĂƌĞŽŵƉĂŶǇĂŶĚĨƌŝĐĂ/ŶƐƵƌĂŶĐĞ ŝƐĂŶŝŵƉŽƌƚĂŶƚŵŝůĞƐƚŽŶĞƚŚĂƚƌĞŇĞĐƚƐƉƌŽŐƌĞƐƐƚŽǁĂƌĚďƵŝůĚŝŶŐĂ ŽŵƉĂŶǇ͘ƐĞƌŝĞƐŽĨŽŶŐŽŝŶŐĨĞƐƟǀĞĞǀĞŶƚƐŚĂǀĞďĞĞŶĚĞƐŝŐŶĞĚ commercial insurance market in rural Ethiopia and toward sustain Ͳ to make it possible for farmers to learn about and register for ability of the program. risk management programs. The results of the 2012 enrollment will be shared in the next quarterly report. Farmer design teams are formed in each of the expansion villages, and the members of the design teams, together with the ZĞůŝĞĨ^ŽĐŝĞƚǇŽĨdŝŐƌĂǇ;Z^dͿ͕ŚĂǀĞďĞĞŶǁŽƌŬŝŶŐĐůŽƐĞůǇǁŝƚŚƚŚĞ /ŶƚĞƌŶĂƟŽŶĂůZĞƐĞĂƌĐŚ/ŶƐƟƚƵƚĞĨŽƌůŝŵĂƚĞĂŶĚ^ŽĐŝĞƚǇ;/Z/ͿƚŽ develop the 2012 indices that meet the community’s needs. The ĚĞƐŝŐŶƚĞĂŵƐĂƌĞĂůƐŽƌĞƐƉŽŶƐŝďůĞĨŽƌĚĞƐŝŐŶŝŶŐ͕ŝŵƉůĞŵĞŶƟŶŐ͕ ŵŽŶŝƚŽƌŝŶŐ͕ĂŶĚĞǀĂůƵĂƟŶŐƌŝƐŬƌĞĚƵĐƟŽŶĂĐƟǀŝƟĞƐ͘ĂĐŚĚĞƐŝŐŶ team consists of six to seven community members, including two ǁŽŵĞŶƌĞƉƌĞƐĞŶƚĂƟǀĞƐ͕ĂůůĞůĞĐƚĞĚďǇƚŚĞŝƌƉĞĞƌƐ͘dŚĞƉĂƌƟĐŝͲ patory vulnerability and capacity assessments were conducted ŝŶƐĞǀĞŶǀŝůůĂŐĞƐƚŽŝĚĞŶƟĨǇƌŝƐŬƌĞĚƵĐƟŽŶĂĐƟǀŝƟĞƐ͘&ĂƌŵĞƌƐ who have already enrolled for the 2012 season have begun risk ƌĞĚƵĐƟŽŶĂĐƟǀŝƟĞƐŝŶĐůƵĚŝŶŐĐĂĐƚƵƐƉůĂŶƚĂƟŽŶ͕ŵĂŶƵĨĂĐƚƵƌĞŽĨ ĐŽŵƉŽƐƚ͕ĂŶĚĐŽŶƐƚƌƵĐƟŽŶŽĨƚƌĞŶĐŚĞƐĂŵŽŶŐŽƚŚĞƌƉƌŽũĞĐƚƐ ŽŶĐŽŵŵƵŶŝƚǇƐŝƚĞƐ͘sĂƌŝŽƵƐĐĂƉĂĐŝƚǇͲďƵŝůĚŝŶŐƚƌĂŝŶŝŶŐƐǁĞƌĞ conducted for farmers, design teams, development agents, and ĚŝƐƚƌŝĐƚŽĸĐŝĂůƐŽŶŝŶƐƵƌĂŶĐĞĐŽŶĐĞƉƚƐ͕ƌĞŐƵůĂƟŽŶƐ͕ĐŽŶƐƵŵĞƌ ƉƌŽƚĞĐƟŽŶ͕ĂŶĚƌŝƐŬƌĞĚƵĐƟŽŶĂĐƟǀŝƟĞƐ͘ dŚŝƐǇĞĂƌ͕ŝŶƐƵƌĂŶĐĞƉƌŽĚƵĐƚƐǁŝůůĐŽǀĞƌďŽƚŚƐŚŽƌƚͲĐǇĐůĞĐƌŽƉƐ ;ƚĞīͿĂŶĚůŽŶŐͲĐǇĐůĞĐƌŽƉƐ;ŵĂŝǌĞ͕ǁŚĞĂƚ͕ďĂƌůĞǇ͕ĂŶĚƐŽƌŐŚƵŵͿ͘ ĂƐĞĚŽŶĨĂƌŵĞƌƐ͛ĚĞŵĂŶĚ͕ƚŚĞƉƌŽũĞĐƚĐŽŶƟŶƵĞƐƚŽŽīĞƌƚǁŽ ĚŝīĞƌĞŶƚŝŶĚĞǆŽƉƟŽŶƐ͗ĚƌǇ 4 and very dry. 5 These indices are designed to insure against the two dominant drought perils of late onset and early end of rainfall. The Early Index targets weak ŽƌůĂƚĞŽŶƐĞƚŽĨƌĂŝŶĨĂůů͕ǁŚŝĐŚĂīĞĐƚƐƐŽǁŝŶŐĂŶĚƚŚĞĞƐƚĂďůŝƐŚͲ ŵĞŶƚŽĨůŽŶŐͲĐǇĐůĞĐƌŽƉƐ͕ůŝŬĞƐŽƌŐŚƵŵĂŶĚŵĂŝǌĞ͘dŚĞ>ĂƚĞ/ŶĚĞǆ ƚĂƌŐĞƚƐǁĞĂŬŽƌĞĂƌůǇĞŶĚŽĨƌĂŝŶĨĂůů͕ǁŚŝĐŚĂīĞĐƚƐŇŽǁĞƌŝŶŐ ĂŶĚŐƌĂŝŶĮůůŝŶŐŽĨĂůůĐƌŽƉƐ͘&ŽƌĞĂĐŚǀŝůůĂŐĞ͕ďŽƚŚŝŶĚŝĐĞƐĂƌĞ calibrated to the local crop calendar and rainfall amounts in the village. The start and end of each index is set by local experts through discussions with the design teams in each village.

ϰ dŚĞĚƌǇ;ĂŶĚŵŽƌĞĞǆƉĞŶƐŝǀĞͿŽƉƟŽŶǁŽƵůĚŚĂǀĞŚĂĚƉĂǇŽƵƚƐĂďŽƵƚŽŶĐĞŝŶĨŽƵƌ years. ϱ dŚĞǀĞƌǇĚƌǇŽƉƟŽŶ;ďĂƐĞĚŽŶƚŚĞŝŶĚĞǆĞƐƚĂďůŝƐŚĞĚŝŶϮϬϬϵͿǁŽƵůĚŚĂǀĞŚĂĚƉĂǇͲ outs about once in seven years.

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ 7 ^E'>Ed/KE>ͳ>s>E>z^/^

The R4 Senegal country teams have been established by the dŚŝƐƐĞĐƟŽŶƉƌŽǀŝĚĞƐĂƐƵŵŵĂƌǇŽĨƚŚĞŬĞǇŽƵƚƉƵƚƐŽĨƚŚĞ tŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞĂŶĚKǆĨĂŵŵĞƌŝĐĂ͖ƚŚĞǇĂƌĞĨƵůůǇ ŶĂƟŽŶĂůͲůĞǀĞůĂŶĂůǇƐŝƐ͕ǁŚŝĐŚŚĂƐƉƌŽǀŝĚĞĚŝŶƐŝŐŚƚƐŽŶƉƌŽŐƌĂŵ ĨƵŶĐƟŽŶĂůĨŽƌĮĞůĚŽƉĞƌĂƟŽŶƐŝŶ^ĞŶĞŐĂů͘dŚĞƚĞĂŵŝƐƵŶĚĞƌŐŽŝŶŐ ƐƚƌĂƚĞŐǇĂŶĚĚĞƐŝŐŶ͕ƉŝůŽƚĂƌĞĂƐĞůĞĐƟŽŶ͕ĂŶĚƉĂƌƚŶĞƌƐĞůĞĐƟŽŶ͘ ƚŚĞƐƐĞƐƐŵĞŶƚĂŶĚEĂƟŽŶĂůWůĂŶŶŝŶŐƉŚĂƐĞ͕ǁŚŝĐŚǁŝůůůĞĂĚƚŽ ƉƌŽŐƌĂŵŝŵƉůĞŵĞŶƚĂƟŽŶŝŶϮϬϭϯ͘ sŝůůĂŐĞĞůĚĞƌƐŐĂƚŚĞƌĞĚĨŽƌĂŵĞĞƟŶŐǁŝƚŚƚŚĞZϰƉƌŽŐƌĂŵƚĞĂŵŝŶ <ŽƵƐƐĂŶĂƌĂƌƌŽŶĚŝƐƐĞŵĞŶƚŝŶ^ĞŶĞŐĂů͘ Fabio Bedini / World Food Programme

&ŝŐƵƌĞϱ͘dŝŵĞůŝŶĞĨŽƌZϰ^ĞŶĞŐĂůƐƐĞƐƐŵĞŶƚĂŶĚEĂƟŽŶĂůWůĂŶŶŝŶŐƉŚĂƐĞ

ϮϬϭϮ ϮϬϭϯ

APR Dz :hE :Ƶů Aug Sep Oct EŽǀ Dec :ĂŶ Feb ^ƚĂƚƵƐ

EĂƟŽŶĂůͲůĞǀĞůĂŶĂůǇƐŝƐ and preliminary 3 ƐĞůĞĐƟŽŶ

Detailed regional/ local analysis and mapping

Community assessment and ĐŽŵŵƵŶŝƚǇƐĞůĞĐƟŽŶ

ZϰƉƌŽŐƌĂŵĂŶĚDŽŶŝƚŽƌŝŶŐĂŶĚǀĂůƵĂƟŽŶĚĞƐŝŐŶ

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ 8 ^hDDZzK&d,<zKhdWhd^K&d, Zd/KE>&KZZϰW/>Kd/E^E'> Ed/KE>ͳ>s>E>z^/^ In Senegal, poverty is a predominantly rural phenomenon that The R4 Senegal team conducted the following assessments and ĂīĞĐƚƐŚŽƵƐĞŚŽůĚƐƚŚĂƚĂƌĞŚĞĂǀŝůǇĚĞƉĞŶĚĞŶƚŽŶĂŐƌŝĐƵůƚƵƌĞ ƐƚƵĚŝĞƐĂƐƉĂƌƚŽĨƚŚĞŶĂƟŽŶĂůͲůĞǀĞůĂŶĂůǇƐŝƐŝŶŽƌĚĞƌƚŽŝŶĨŽƌŵ ĂŶĚůŝǀĞƐƚŽĐŬĨŽƌƚŚĞŝƌůŝǀĞůŝŚŽŽĚƐ͘ůƚŚŽƵŐŚƚŚĞƉŽƉƵůĂƟŽŶŝŶ ĚĞĐŝƐŝŽŶƐŽŶƉŝůŽƚĂƌĞĂƐĞůĞĐƟŽŶ͕ZϰƐƚƌĂƚĞŐǇĂŶĚĚĞƐŝŐŶ͕ƉĂƌƚŶĞƌ ƐŽƵƚŚĞƌŶĂƌĞĂƐŝƐƉĂƌƟĐƵůĂƌůǇĨŽŽĚͲŝŶƐĞĐƵƌĞĚƵĞƚŽĐŽŶŇŝĐƚĂŶĚ ƐĞůĞĐƟŽŶ͕ĂŶĚĐŽŽƌĚŝŶĂƟŽŶǁŝƚŚŐŽǀĞƌŶŵĞŶƚĂŶĚŽƚŚĞƌŬĞǇ ĞĐŽŶŽŵŝĐŝƐŽůĂƟŽŶ͕ŝŶŵŽƐƚŽĨƚŚĞĐŽƵŶƚƌǇƉĞƌŝŽĚŝĐǁĞĂƚŚĞƌͲ ŶĂƟŽŶĂůĂĐƚŽƌƐ͗ ƌĞůĂƚĞĚƐŚŽĐŬƐĂĐƚĂƐĂƐƚƌŽŶŐĚŝƐŝŶĐĞŶƟǀĞƚŽĨĂƌŵĞƌƐŝŶǀĞƐƟŶŐŝŶ ƚŚĞŝƌůĂŶĚ͘dŚŝƐƌĞŐƵůĂƌůǇƐĞƚƐďĂĐŬŐŽǀĞƌŶŵĞŶƚ͛ƐĞīŽƌƚƐĂŝŵĞĚĂƚ ͻůŝŵĂƚĞĂŶĚĨŽŽĚͲƐĞĐƵƌŝƚǇƌŝƐŬĂŶĂůǇƐŝƐ ŝŶĐƌĞĂƐŝŶŐĂŐƌŝĐƵůƚƵƌĞƉƌŽĚƵĐƟŽŶƚŽŝŵƉƌŽǀĞƌƵƌĂůŝŶĐŽŵĞƐĂŶĚ ͻZĞǀŝĞǁŽĨŶĂƟŽŶĂůƉŽůŝĐŝĞƐ͕ƐƚƌĂƚĞŐŝĞƐ͕ĂŶĚĞǆŝƐƟŶŐŝŶƐƟƚƵƟŽŶĂů ĨŽŽĚƐĞĐƵƌŝƚǇ͘^ŚŽĐŬƐƌĞůĂƚĞĚƚŽĐůŝŵĂƚĞŝŶĐůƵĚĞŇŽŽĚŝŶŐ͕ŝŶƐƵĨͲ frameworks on climate change, food security, agriculture, ĮĐŝĞŶƚƌĂŝŶĨĂůů͕ĚĞůĂǇƐŝŶƚŚĞƐƚĂƌƚŽĨƚŚĞƌĂŝŶƐ͕ĂŶĚůŽŶŐĚƌǇƐƉĞůůƐ ĞŶǀŝƌŽŶŵĞŶƚ͕ĚŝƐĂƐƚĞƌƌŝƐŬƌĞĚƵĐƟŽŶ͕ŵŝĐƌŽĮŶĂŶĐĞ͕ĂŶĚ during the growing season. The map below indicates the central microinsurance ƌĞŐŝŽŶŽĨ^ĞŶĞŐĂůƚŽďĞŵŽƐƚƐĞŶƐŝƟǀĞƚŽĐůŝŵĂƟĐƐŚŽĐŬƐ͘ ͻZĞǀŝĞǁŽĨĞǆŝƐƟŶŐƉƌŽŐƌĂŵƐĂŶĚƉƌŽũĞĐƚƐƌĞůĂƚĞĚƚŽĨŽŽĚ security, environment, and agriculture as well as review of ĞŵŽŐƌĂƉŚŝĐƉƌĞƐƐƵƌĞƐƉƵƐŚĨĂƌŵĞƌƐƚŽĐƵůƟǀĂƚĞŽŶƉŽŽƌĞƌ ĞǆŝƐƟŶŐƉƵďůŝĐͲƉƌŝǀĂƚĞƐĞĐƚŽƌ ƐŽŝůƐĂŶĚƌĞĚƵĐĞƚŚĞŝƌĂďŝůŝƚǇƚŽƌŽƚĂƚĞĐƌŽƉƐ͕ƚŚĞƌĞďǇĐƌĞĂƟŶŐ ͻ/ŶƐƵƌĂŶĐĞŵĂƌŬĞƚƌĞǀŝĞǁǁŝƚŚƐƉĞĐŝĮĐĨŽĐƵƐŽŶĂŐƌŝĐƵůƚƵƌĞͲ ĐŽŶĚŝƟŽŶƐĨŽƌĐŽŶƟŶƵŽƵƐůĂŶĚĚĞŐƌĂĚĂƟŽŶ͘ƐƚƌŽŶŐĨŽĐƵƐŽŶ based products ŚŝŐŚŝŶƉƵƚƐʹŚŝŐŚŽƵƚƉƵƚƐĂŐƌŝĐƵůƚƵƌĞŚĂƐŝŶƚĞŶƐŝĮĞĚƚŚĞƵƐĞŽĨ ͻDŝĐƌŽĮŶĂŶĐĞƐĞĐƚŽƌƌĞǀŝĞǁŝŶĐůƵĚŝŶŐĞǆŝƐƟŶŐŵĂƌŬĞƚĂŶĚ single cropping rather than intercropping and the use of chemical ŵŝĐƌŽĮŶĂŶĐĞŝŶƐƟƚƵƟŽŶƐ ĨĞƌƟůŝǌĞƌƐƌĂƚŚĞƌƚŚĂŶĂŵŽƌĞŝŶƚĞŐƌĂƚĞĚĂƉƉƌŽĂĐŚƚŽŵĂŶĂŐŝŶŐ ƐŽŝůĨĞƌƟůŝƚǇ͘ /ŶĂĚĚŝƟŽŶ͕ƚŚĞƚĞĂŵĐĂƌƌŝĞĚŽƵƚƚǁŽĞǆƉůŽƌĂƚŽƌǇǀŝƐŝƚƐ to Tambacounda and Koumpentoum departments in the The assessment further suggests that although development of Tambacounda region in the southeast of Senegal. The team con Ͳ irrigated agriculture around main rivers has in the past provided ĚƵĐƚĞĚĨŽĐƵƐŐƌŽƵƉĚŝƐĐƵƐƐŝŽŶƐĂŶĚƉƌĞůŝŵŝŶĂƌǇŵĞĞƟŶŐƐǁŝƚŚ ĂǁĂǇƚŽĂĐŚŝĞǀĞƋƵŝĐŬƉƌŽĚƵĐƟǀŝƚǇŐƌŽǁƚŚ͕ŵĂŶĂŐĞŵĞŶƚŽĨƌƵŶͲ ƉŽƚĞŶƟĂůůŽĐĂůƉĂƌƚŶĞƌƐ͘dŚĞĚŝƐĐƵƐƐŝŽŶƐǁŝƚŚƚŚĞĐŽŵŵƵŶŝƚǇ͕ ŽīǁĂƚĞƌĐĂŶƉƌŽǀŝĚĞƚŚĞŽƉƉŽƌƚƵŶŝƚǇĨŽƌĐŽŵŵƵŶŝƟĞƐƚŽƌĞĚƵĐĞ governmental, and nongovernmental actors indicated favorable risks linked to rainfall uncertainty and increase income opportu Ͳ ĐŽŶĚŝƟŽŶƐĨŽƌZϰŝŶ^ĞŶĞŐĂůĂŶĚŐƵŝĚĞĚƉƌĞůŝŵŝŶĂƌǇƐĞůĞĐƟŽŶŽĨĂ ŶŝƟĞƐŝŶĂƌĞĂƐǁŝƚŚŶŽƉĞƌŵĂŶĞŶƚǁĂƚĞƌƌĞƐŽƵƌĐĞƐ͘ ƉŝůŽƚĂƌĞĂĨŽƌŝŵƉůĞŵĞŶƚĂƟŽŶŽĨZϰ͘

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&ŽŽĚŝŶƐĞĐƵƌŝƚǇŝƐƐŚŽǁŶŝŶƚŚŝƐŵĂƉƚŚƌŽƵŐŚƚŚƌĞĞƉƌŽǆŝĞƐ͗ƉƌĞǀĂůĞŶĐĞŽĨĨŽŽĚŝŶƐĞĐƵƌŝƚǇ͕ƉŽǀĞƌƚǇŝŶĐŝĚĞŶĐĞ͕ĂŶĚŐůŽďĂůĐŚƌŽŶŝĐŵĂůŶƵƚƌŝƟŽŶ;'DͿĂƐŵĞĂƐƵƌĞĚďǇƚŚĞŽŵƉƌĞŚĞŶƐŝǀĞ&ŽŽĚ^ĞĐƵƌŝƚǇĂŶĚ sƵůŶĞƌĂďŝůŝƚǇŶĂůǇƐŝƐ;&^sͿ;ϮϬϬϵͬϮϬϭϬͿ͘ĚĞƉĂƌƚŵĞŶƚŝƐĐŽŶƐŝĚĞƌĞĚƚŽŚĂǀĞŚŝŐŚĨŽŽĚŝŶƐĞĐƵƌŝƚǇǁŚĞŶƉƌĞǀĂůĞŶĐĞŽĨĨŽŽĚŝŶƐĞĐƵƌŝƚǇŝƐхϮϬƉĞƌĐĞŶƚ͕ƉŽǀĞƌƚǇŝŶĐŝĚĞŶĐĞŝƐхϲϬƉĞƌĐĞŶƚ͕ĂŶĚ'DŝƐхϯϬƉĞƌͲ ĐĞŶƚ͘ĚĞƉĂƌƚŵĞŶƚŝƐĐŽŶƐŝĚĞƌĞĚƚŽŚĂǀĞŵĞĚŝƵŵĨŽŽĚŝŶƐĞĐƵƌŝƚǇǁŚĞŶƉƌĞǀĂůĞŶĐĞŽĨĨŽŽĚŝŶƐĞĐƵƌŝƚǇŝƐϭϱʹϮϬƉĞƌĐĞŶƚ͕ƉŽǀĞƌƚǇŝŶĐŝĚĞŶĐĞŝƐϰϬʹϲϬƉĞƌĐĞŶƚ͕ĂŶĚ'DƌĂƚĞƐĂƌĞϮϬʹϯϬƉĞƌĐĞŶƚ͘ĚĞƉĂƌƚŵĞŶƚŝƐ ĐŽŶƐŝĚĞƌĞĚƚŽŚĂǀĞůŽǁĨŽŽĚŝŶƐĞĐƵƌŝƚǇǁŚĞŶƉƌĞǀĂůĞŶĐĞŽĨĨŽŽĚŝŶƐĞĐƵƌŝƚǇŝƐфϭϱƉĞƌĐĞŶƚ͕ƉŽǀĞƌƚǇŝŶĐŝĚĞŶĐĞŝƐфϰϬƉĞƌĐĞŶƚ͕ĂŶĚ'DƌĂƚĞƐĂƌĞфϮϬƉĞƌĐĞŶƚ͘

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ 9 Seasonality of agriculture implies seasonal labor requirements ŐƌĂŵƐ͘dŚĞƐĞƉƌŽŐƌĂŵƐƉƌŽǀŝĚĞƐŽůŝĚĨŽƵŶĚĂƟŽŶƐƚŽŝŶƚĞŐƌĂƚĞ and incomes that do not always match spending needs, thus insurance and the other elements of R4 as well as for reaching giving formal or informal credit and savings mechanisms an im Ͳ ƐĐĂůĞĂƐŝŵƉůĞŵĞŶƚĂƟŽŶƉƌŽŐƌĞƐƐĞƐ͘ portant role to smoothen income and expenditure peaks. KǆĨĂŵŵĞƌŝĐĂ͛ƐĐŽŵŵƵŶŝƚǇĮŶĂŶĐĞƉƌŽŐƌĂŵ͕ Saving for Change /ŶƚŚĞŵŝĐƌŽĮŶĂŶĐĞƐĞĐƚŽƌ͕^ĞŶĞŐĂůĐŽŵĞƐǁŝƚŚĂƐƚƌŽŶŐŵƵƚƵĂůͲ ;^ĨͿ , provides savings and lending services to those who are ŝƐƟĐĂƉƉƌŽĂĐŚƚŽŵŝĐƌŽĮŶĂŶĐĞ͘,ŽǁĞǀĞƌ͕ŵŝĐƌŽĮŶĂŶĐĞƐĞƌǀŝĐĞƐ ŽŌĞŶůĞŌďĞŚŝŶĚ͘^ĨƐƚĂƌƚĞĚŝŶ^ĞŶĞŐĂůŝŶϮϬϬϳĂŶĚĐŽǀĞƌƐ ĂƌĞŶŽƚĂůǁĂǇƐĂĐĐĞƐƐŝďůĞƚŽƚŚĞƉŽŽƌĞƐƚƉŽƉƵůĂƟŽŶƐ͘ůƚŚŽƵŐŚ nearly 49,000 members in more than 2,000 groups. Results of an Senegal has some of the strongest and most dynamic producers’ ŽŶŐŽŝŶŐĞǀĂůƵĂƟŽŶŽĨ^Ĩ͕ǁŚŝĐŚǁŝůůĂƐƐĞƐƐƚŚĞĞĐŽŶŽŵŝĐĂŶĚ ĂƐƐŽĐŝĂƟŽŶƐŝŶƚŚĞƌĞŐŝŽŶ͕ŵĞŵďĞƌƐŚŝƉƚŽƚŚĞƐĞĂƐƐŽĐŝĂƟŽŶƐŝƐ ƐŽĐŝĂůŝŵƉĂĐƚŽŶŚŽƵƐĞŚŽůĚƐĂŶĚĐŽŵŵƵŶŝƟĞƐ͕ǁŝůůĨĞĞĚŝŶƚŽƚŚĞ ĂůƐŽŶŽƚĂůǁĂǇƐŽƉĞŶƚŽƚŚĞŵŽƐƚĨŽŽĚͲŝŶƐĞĐƵƌĞŚŽƵƐĞŚŽůĚƐƚŚĂƚ design of R4. have very limited asset bases. t&W͛Ɛ &ŽŽĚĨŽƌƐƐĞƚƐ;&&Ϳ ƉƌŽŐƌĂŵƉƌŽǀŝĚĞƐĨŽŽĚͲŝŶƐĞĐƵƌĞ tŝƚŚůŝŵŝƚĞĚƌĞƐŽƵƌĐĞƐĂǀĂŝůĂďůĞ͕ŐŽǀĞƌŶŵĞŶƚŚĂƐĨŽĐƵƐĞĚ ŚŽƵƐĞŚŽůĚƐǁŝƚŚƐŚŽƌƚͲƚĞƌŵĨŽŽĚŽƌĐĂƐŚƚƌĂŶƐĨĞƌƐƚŽŚĞůƉƚŚĞŵ ƌĞƐŝůŝĞŶĐĞͲďƵŝůĚŝŶŐŝŶǀĞƐƚŵĞŶƚƐŝŶĂƌĞĂƐǁŚĞƌĞƚŚĞĞīĞĐƚƐĂƌĞ ŵĞĞƚƚŚĞŝƌĨŽŽĚŶĞĞĚƐǁŚŝůĞƐƵƉƉŽƌƟŶŐƚŚĞĐƌĞĂƟŽŶŽĨĐŽŵͲ ŵŽƌĞǀŝƐŝďůĞ͕ĨŽƌĞǆĂŵƉůĞ͕ŽŶƚŚĞƚŽƵƌŝƐŵŝŶĚƵƐƚƌǇŽƌŽŶůĂƌŐĞͲ munity assets that reduce their vulnerability to future shocks. ƐĐĂůĞŝƌƌŝŐĂƟŽŶǁŚĞƌĞŝŵŵĞĚŝĂƚĞƌĞƚƵƌŶƐĂƌĞĞǆƉĞĐƚĞĚƚŽďĞ In Senegal, the Food for Assets program is implemented as part ŚŝŐŚĞƌ͘ƐĂƌĞƐƵůƚ͕ƚŚĞƌĞŝƐƐƵďƐƚĂŶƟĂůƐĐŽƉĞĨŽƌƐƵƉƉŽƌƟŶŐƌƵƌĂů ŽĨďŽƚŚƚŚĞŽƵŶƚƌǇWƌŽŐƌĂŵŵĞ;WͿĂŶĚƚŚĞůĂƚĞƐƚWƌŽƚƌĂĐƚĞĚ ĐŽŵŵƵŶŝƟĞƐ͛ĞīŽƌƚƐƚŽŝŵƉƌŽǀĞƚŚĞŝƌƌĞƐŝůŝĞŶĐĞƚŽǁĞĂƚŚĞƌͲ ZĞůŝĞĨĂŶĚZĞĐŽǀĞƌǇKƉĞƌĂƟŽŶ;WZZKͿ͕ǁŚŝĐŚĂŝŵƐƚŽŚĞůƉ related shocks. ĚƌŽƵŐŚƚͲĂīĞĐƚĞĚƉĞŽƉůĞƌĞĐŽǀĞƌĂŶĚďƵŝůĚƌĞƐŝůŝĞŶĐĞ͘ /ŶĂĚĚŝƟŽŶ͕ZϰǁŝůůďĞŶĞĮƚĨƌŽŵĐƵƫŶŐͲĞĚŐĞƌĞƐĞĂƌĐŚŝŶ dŚĞ'ŽǀĞƌŶŵĞŶƚŚĂƐĐƌĞĂƚĞĚĂƐƉĞĐŝĂůŝǌĞĚďŽĚǇƚŽƉƌŽǀŝĚĞ ǁĞĂƚŚĞƌŝŶĚĞǆŝŶƐƵƌĂŶĐĞďĞŝŶŐĐŽŶĚƵĐƚĞĚďǇƚŚĞtĞĂƚŚĞƌZŝƐŬ ĂŐƌŝĐƵůƚƵƌĞŝŶƐƵƌĂŶĐĞ͘'ŝǀĞŶƚŚĞĐŽƐƚƐŽĨĚĞůŝǀĞƌŝŶŐƚƌĂĚŝƟŽŶĂů DĂŶĂŐĞŵĞŶƚ&ĂĐŝůŝƚǇ;tZD&Ϳ͕ĂũŽŝŶƚŝŶŝƟĂƟǀĞŽĨt&WĂŶĚƚŚĞ ůŽƐƐĂĚũƵƐƚŵĞŶƚŝŶƐƵƌĂŶĐĞĂŶĚƚŚĞĐŚĂůůĞŶŐĞƐŽĨĂƌĞĂͲǇŝĞůĚ /ŶƚĞƌŶĂƟŽŶĂů&ƵŶĚĨŽƌŐƌŝĐƵůƚƵƌĂůĞǀĞůŽƉŵĞŶƚ;/&Ϳ͘dŚĞ ŝŶƐƵƌĂŶĐĞ͕ǁĞĂƚŚĞƌŝŶĚĞǆŝŶƐƵƌĂŶĐĞ;t//ͿĐƵƌƌĞŶƚůǇƉƌŽǀŝĚĞƐƚŚĞ tZD&ŝƐŝŵƉůĞŵĞŶƟŶŐĂƌĞƐĞĂƌĐŚƉƌŽũĞĐƚŶĂŵĞĚ͞/ŵƉƌŽǀŝŶŐ ŵŽƐƚƉƌŽŵŝƐŝŶŐŽƉƟŽŶĨŽƌƉƌŽǀŝĚŝŶŐůĂƌŐĞͲƐĐĂůĞĂĐĐĞƐƐƚŽ tĞĂƚŚĞƌZŝƐŬDĂŶĂŐĞŵĞŶƚŝŶtĞƐƚĨƌŝĐĂ͗ǀĂůƵĂƟŽŶŽĨZĞŵŽƚĞ ŵŝĐƌŽŝŶƐƵƌĂŶĐĞƚŽĨŽŽĚͲŝŶƐĞĐƵƌĞƐŵĂůůŚŽůĚĞƌƐ͘dǁŽŽŶŐŽŝŶŐ ^ĞŶƐŝŶŐĨŽƌ/ŶĚĞǆ/ŶƐƵƌĂŶĐĞ͘͟dŚŝƐƉƌŽũĞĐƚŝƐĚĞƐŝŐŶĞĚƚŽƚĞƐƚ ƉŝůŽƚƉƌŽũĞĐƚƐƚŽƚĞƐƚǁĞĂƚŚĞƌŝŶĚĞǆŝŶƐƵƌĂŶĐĞŝŶ^ĞŶĞŐĂůǁŝůů ƚŚĞĨĞĂƐŝďŝůŝƚǇŽĨŝŶĚĞǆŝŶƐƵƌĂŶĐĞŝŵƉůĞŵĞŶƚĂƟŽŶĨŽƌƉŽŽƌƌƵƌĂů ƉƌŽǀŝĚĞǀĂůƵĂďůĞůĞƐƐŽŶƐŽŶƚŚĞƉŽƚĞŶƟĂůĂŶĚƚŚĞƉŝƞĂůůƐŽĨ ƐŵĂůůŚŽůĚĞƌƐƵƐŝŶŐŝŶŶŽǀĂƟǀĞƌĞŵŽƚĞƐĞŶƐŝŶŐĂŶĚƐĂƚĞůůŝƚĞ developing this kind of product in Senegal. technology. In Senegal, R4 will build on established Oxfam America and the dŚĞƌĞƐƵůƚƐŽĨƚŚŝƐƉƌŽũĞĐƚǁŝůůƉƌŽǀŝĚĞǀĂůƵĂďůĞƚŽŽůƐĂŶĚůĞƐƐŽŶƐ tŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞ͛Ɛ;t&W͛ƐͿƉƌŽŐƌĂŵƐ͕ŝŶĐůƵĚŝŶŐKǆĨĂŵ to support the scale up of R4 in Senegal. ŵĞƌŝĐĂ͛Ɛ^ĂǀŝŶŐĨŽƌŚĂŶŐĞĂŶĚt&W͛Ɛ&ŽŽĚĨŽƌƐƐĞƚƐƉƌŽͲ

&ŝŐƵƌĞϳ͘KƉĞƌĂƟŽŶĂůƉƌĞƐĞŶĐĞŽĨtŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞĂŶĚKǆĨĂŵŵĞƌŝĐĂ

dŚĞŵĂƉŚŝŐŚůŝŐŚƚƐĂƌĞĂƐŽĨtŽƌůĚ &ŽŽĚWƌŽŐƌĂŵŵĞ&ŽŽĚĨŽƌƐƐĞƚƐ;&&Ϳ ŽƉĞƌĂƟŽŶĂůƉƌĞƐĞŶĐĞĂŶĚKǆĨĂŵŵĞƌŝĐĂ ^ĂǀŝŶŐĨŽƌŚĂŶŐĞ;^ĨͿƉƌĞƐĞŶĐĞ͘ZĞĚ ĐŝƌĐůĞƐƐŚŽǁƚŚĞŶƵŵďĞƌŽĨďĞŶĞĮĐŝĂƌŝĞƐ ŝŶt&WͲƐƵƉƉŽƌƚĞĚ&&ƉƌŽũĞĐƚƐ͘dŚĞƐŝǌĞ ŽĨŐƌŽƵƉƐƉĂƌƟĐŝƉĂƟŶŐŝŶKǆĨĂŵŵĞƌŝĐĂ ^ĨƉƌŽũĞĐƚƐŝƐƐŚŽǁŶďǇƚŚĞŐƌĞĞŶĐŝƌĐůĞƐ͘ Oxfam America is also present in Kolda and Kedougou. The transparency hides regions apart from Kolda and Kedougou ĨŽƌĞĂƐǇŝĚĞŶƟĮĐĂƟŽŶŽĨƉŽƚĞŶƟĂůĐŽůͲ ůĂďŽƌĂƟŽŶĂƌĞĂƐ͘

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ ϭϬ WKdEd/>'K'ZW,/Z ĨŽƌƚŚĞĚĞƐŝŐŶŽĨZϰƐƚƌĂƚĞŐǇĂŶĚŝŶƐƚƌƵŵĞŶƚƐ͘dŚŝƐŶĂƟŽŶĂůͲůĞǀĞů &KZW/>Kd/E'Zϰ analysis will be followed by a regional and local analysis that ŶŽǀĞƌĂůůŶĂƟŽŶĂůĂŶĂůǇƐŝƐŽĨĨŽŽĚƐĞĐƵƌŝƚǇ͕ůŝǀĞůŝŚŽŽĚƐ͕ĂǀĞƌͲ ǁŝůůŝŶĐůƵĚĞĂŵŽƌĞĚĞƚĂŝůĞĚŝŶǀĞƐƟŐĂƟŽŶŽĨĞǆŝƐƟŶŐůŝǀĞůŝŚŽŽĚ age rainfall and rainfall variability, and other relevant factors has ƐǇƐƚĞŵƐĂŶĚŚŽǁƚŚĞƐĞĂƌĞĂīĞĐƚĞĚďǇĐůŝŵĂƚĞͲƌĞůĂƚĞĚƐŚŽĐŬƐ͕ĂŶ ďĞĞŶĐŽŶĚƵĐƚĞĚďǇĂŵƵůƟƐĞĐƚŽƌĂůƚĞĂŵůĞĚďǇt&WƚŽŝŶĨŽƌŵƚŚĞ appraisal of markets and value chains, and mapping of the local ŐĞŽŐƌĂƉŚŝĐĂůƐĞůĞĐƟŽŶŽĨƉŽƐƐŝďůĞZϰĂƌĞĂƐ͘ĂƐĞĚŽŶƚŚĞƉƌĞǀĂͲ ŝŶƐƟƚƵƟŽŶĂůĨƌĂŵĞǁŽƌŬĂŶĚĐĂƉĂĐŝƟĞƐ͘dŚŝƐĂŶĂůǇƐŝƐǁŝůůƵƐĞĂŶ ůĞŶƚĨŽŽĚƐĞĐƵƌŝƚǇĐŽŶĚŝƟŽŶƐ͕ƉƌĞƐĞŶĐĞŽĨǁĞĂƚŚĞƌͲƌĞůĂƚĞĚƌŝƐŬƐ͕ ŝŶͲĚĞƉƚŚƉĂƌƟĐŝƉĂƚŽƌǇƉƌŽĐĞƐƐǁŚŝĐŚďƌŝŶŐƐĐŽŵŵƵŶŝƟĞƐ͕ůŽĐĂů ĂŶĚƉŽƚĞŶƟĂůŽƉĞƌĂƟŽŶĂůŽƉƉŽƌƚƵŶŝƟĞƐ;ŝ͘Ğ͕͘ƉƌĞƐĞŶĐĞŽĨKǆĨĂŵ governments, and other local stakeholders together in a process ŵĞƌŝĐĂĂŶĚt&W͛ƐŽƉĞƌĂƟŽŶƐͿ͕ƚŚĞdĂŵďĂĐŽƵŶĚĂƌĞŐŝŽŶŝŶƚŚĞ which will use seasonal livelihoods analysis to drive a locally ƐŽƵƚŚĞĂƐƚŽĨ^ĞŶĞŐĂůǁĂƐŝĚĞŶƟĮĞĚĂƐƚŚĞƚĂƌŐĞƚĂƌĞĂĨŽƌƉŝůŽƟŶŐ ŽǁŶĞĚĂŶĚĐŽŶƚĞǆƚͲƐƉĞĐŝĮĐƉůĂŶŶŝŶŐƉƌŽĐĞƐƐĨŽƌZϰŝŵƉůĞŵĞŶͲ R4. The pilot area has been further narrowed down to nine rural ƚĂƟŽŶ͘dŚŝƐƉƌŽĐĞƐƐǁŝůůŚĞůƉĮŶĞͲƚƵŶĞƚŚĞƉŝůŽƚĂƌĞĂƐĞůĞĐƟŽŶ͕ ĐŽŵŵƵŶŝƟĞƐ;ĐŽŵŵƵŶĂƵƚĠƐƌƵƌĂůĞƐ͖ZͿŝŶƚŚĞ<ŽƵƐƐĂŶĂƌĂƌͲ ŝŶĨŽƌŵƐĞůĞĐƟŽŶŽĨůŽĐĂůƉĂƌƚŶĞƌƐ͕ĂŶĚĨĞĞĚŝŶƚŽƚŚĞƉůĂŶŶŝŶŐŽĨ rondissement of the Tambacounda department. the next phases. The results of the regional and local analysis and ƚŚĞƐƵĐĐĞƐƐŝǀĞƉƌŽĐĞƐƐĞƐŝŶƚŚĞEĂƟŽŶĂůƐƐĞƐƐŵĞŶƚĂŶĚWůĂŶŶŝŶŐ dŚĞŶĂƟŽŶĂůͲůĞǀĞůĂŶĂůǇƐŝƐƉƌŽǀŝĚĞĚĂŶŽǀĞƌǀŝĞǁŽĨƚŚĞĐŽŶƚĞǆƚŝŶ phase will be provided in subsequent R4 quarterly reports. ^ĞŶĞŐĂůĂŶĚŐƵŝĚĞĚƚŚĞƐĞůĞĐƟŽŶŽĨƚŚĞZϰƉŝůŽƚĂƌĞĂ͘dŚŝƐĂŶĂůǇƐŝƐ ǁŝůůĂůƐŽŐƵŝĚĞƚŚĞƐĞůĞĐƟŽŶŽĨƉĂƌƚŶĞƌƐĂŶĚƉƌŽǀŝĚĞŬĞǇĞůĞŵĞŶƚƐ

&ŝŐƵƌĞϴ͘WŽƚĞŶƟĂůZϰŝŵƉůĞŵĞŶƚĂƟŽŶŝŶƌƵƌĂůĐŽŵŵƵŶŝƟĞƐŝŶdĂŵďĂĐŽƵŶĚĂ;^ĞŶĞŐĂůͿ

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ ϭϭ KE>h^/KE

ƵŝůĚŝŶŐŽŶ,Z/d͛ƐƐƵĐĐĞƐƐĨƵůŵŽĚĞůĨŽƌƉĂƌƟĐŝƉĂƚŽƌǇĚĞƐŝŐŶ /Ŷ^ĞŶĞŐĂů͕ƚŚĞĚĞƚĂŝůĞĚŶĂƟŽŶĂůĂƐƐĞƐƐŵĞŶƚŚĂƐŝŶĨŽƌŵĞĚƚŚĞ ĂŶĚĐĂƉĂĐŝƚǇďƵŝůĚŝŶŐ͕Zϰ͕ŝŶŝƚƐĮƌƐƚǇĞĂƌ͕ŚĂƐďĞŐƵŶŝƚƐŽƉĞƌĂͲ ƉůĂŶŶŝŶŐĂŶĚƉŝůŽƚĂƌĞĂŝĚĞŶƟĮĐĂƟŽŶ͘<ŽƵƐƐĂŶĂƌĂƌƌŽŶĚŝƐƐĞŵĞŶƚ ƟŽŶƐƚŽǁĂƌĚƐƐĐĂůĞͲƵƉŝŶƚŚŝŽƉŝĂĂŶĚŝŶ^ĞŶĞŐĂů͘dŚĞƉƌŽŐƌĂŵ of Tambacounda region in the southeast of Senegal is selected for ƉƌŽǀŝĚĞƐĂŶĞǁĨƌĂŵĞǁŽƌŬĨŽƌďƵŝůĚŝŶŐƌĞƐŝůŝĞŶĐĞ͕ƵƐŝŶŐĞǆŝƐƟŶŐ ƉŝůŽƟŶŐZϰďĂƐĞĚŽŶƚŚĞƉƌĞǀĂůĞŶƚĨŽŽĚͲŝŶƐĞĐƵƌŝƚǇĐŽŶĚŝƟŽŶƐĂŶĚ ŐŽǀĞƌŶŵĞŶƚͲŽǁŶĞĚĂŶĚͲůĞĚƉƌŽĚƵĐƟǀĞƐĂĨĞƚǇŶĞƚƐƚŽƌĞĚƵĐĞ ƚŚĞĂƌĞĂ͛ƐǀƵůŶĞƌĂďŝůŝƚǇƚŽĐůŝŵĂƚĞĐŚĂŶŐĞ͘dŚĞƉƌŽũĞĐƚŝŵƉůĞŵĞŶͲ ĚŝƐĂƐƚĞƌƌŝƐŬ͘tŝƚŚƐĂĨĞƚǇŶĞƚƐĂƐĂĚĞůŝǀĞƌǇŵĞĐŚĂŶŝƐŵƚŽĞǆƉĂŶĚ ƚĂƟŽŶǁŝůůďĞŐŝŶŝŶƚŚĞϮϬϭϯĂŐƌŝĐƵůƚƵƌĂůƐĞĂƐŽŶ͘ ŝŶƐƵƌĂŶĐĞĂŶĚŽƚŚĞƌĮŶĂŶĐŝĂůƐĞƌǀŝĐĞƐ͕ƚŚĞƉƌŽŐƌĂŵĂŝŵƐƚŽĐƌĞĂƚĞ tŝƚŚŝƚƐƐƵĐĐĞƐƐĨƵůŝŶŝƟĂƟŽŶŽŶƚŚĞŐƌŽƵŶĚ͕ƚŚĞZϰƉĂƌƚŶĞƌƐŚŝƉ ĂŶĞŶĂďůŝŶŐĞŶǀŝƌŽŶŵĞŶƚĨŽƌƉƌŽͲƉŽŽƌŵĂƌŬĞƚŐƌŽǁƚŚ͘ is set to enable many more vulnerable people to graduate from In Ethiopia, the program is set to reach more than 70 villages ĨŽŽĚŝŶƐĞĐƵƌŝƚǇƚŚƌŽƵŐŚĂĐŽŵŵƵŶŝƚǇͲŽƌŝĞŶƚĞĚ͕ƌŝƐŬŵĂŶĂŐĞŵĞŶƚͲ and approximately 15,000 households in 2010. The enrollment ĨŽĐƵƐĞĚ͕ĂŶĚŵĂƌŬĞƚͲďĂƐĞĚĂƉƉƌŽĂĐŚƚŽĂĐŚŝĞǀĞƌƵƌĂůƌĞƐŝůŝĞŶĐǇ͘ ŝƐŽŶŐŽŝŶŐ͕ĂŶĚĨĂƌŵĞƌƐĂƌĞƉƵƌĐŚĂƐŝŶŐŝŶƐƵƌĂŶĐĞǁŝƚŚƉĂƌƟĂůŽƌ ĨƵůůĐĂƐŚŝŶƐƚĞĂĚŽĨƉƵƌĐŚĂƐŝŶŐŝƚĞŶƟƌĞůǇǁŝƚŚůĂďŽƌ͘dŚŝƐŝŶƚĞƌĞƐƚ in buying insurance with cash is a promising sign in the program’s ƐĐĂůĞͲƵƉĂŶĚŝŶƐƵĐĐĞƐƐĨƵůůǇďƵŝůĚŝŶŐĂŵĂƌŬĞƚĨŽƌƐŵĂůůͲƐĐĂůĞĂŐƌŝͲ cultural insurance at the commercial scale in rural Ethiopia.

Cows and goats head home as the rain approaches in Tigray, Ethiopia. ǀĂͲ>ŽƩĂ:ĂŶƐƐŽŶͬKǆĨĂŵŵĞƌŝĐĂ

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KhZ>K>WZdEZ^ KhZ'>K>WZdEZ^ ͻ >ŽĐĂůĐŽŵŵƵŶŝƟĞƐ͗ ĞŶƚƌĂůƉĂƌƟĐŝƉĂŶƚƐŝŶƚŚĞĚĞƐŝŐŶŽĨ ͻ 'ŽƵůƐƚŽŶΘ^ƚŽƌƌƐ͕ĂŶĚtĞŝů͕'ŽƚƐŚĂůΘDĂŶŐĞƐ͗ >ĂǁĮƌŵƐ the pilot. ƉƌŽǀŝĚŝŶŐƉƌŽďŽŶŽůĞŐĂůĞǆƉĞƌƟƐĞ͘ ͻ >ŽĐĂůĨĂƌŵĞƌƐ͛ĐŽŽƉĞƌĂƟǀĞ͗ Primary organizing body for ͻ /ŶĚĞǆ/ŶƐƵƌĂŶĐĞ/ŶŶŽǀĂƟŽŶ/ŶŝƟĂƟǀĞ;/ϰͿĂƚhŶŝǀĞƌƐŝƚǇŽĨ farmers in the community. ĂůŝĨŽƌŶŝĂ͕ĂǀŝƐ;hĂǀŝƐͿ͗ Research partnership on index insurance between academia and development organiza Ͳ KhZEd/KE>EZ'/KE>WZdEZ^/E ƟŽŶƐ͕ǁŝƚŚhĂǀŝƐ͕ƚŚĞ&ŽŽĚĂŶĚŐƌŝĐƵůƚƵƌĞKƌŐĂŶŝǌĂƟŽŶ͕ /ŶƚĞƌŶĂƟŽŶĂů>ĂďŽƵƌKƌŐĂŶŝǌĂƟŽŶ͕ĂŶĚƚŚĞh^ŐĞŶĐǇĨŽƌ ETHIOPIA 6 /ŶƚĞƌŶĂƟŽŶĂůĞǀĞůŽƉŵĞŶƚ͘ ͻ ĨƌŝĐĂ/ŶƐƵƌĂŶĐĞŽŵƉĂŶǇ͗ Private insurer in Ethiopia operat Ͳ ͻ ^ǁŝƐƐZĞ͗ 'ůŽďĂůƌĞŝŶƐƵƌĞƌĂŶĚůĞĂĚĞƌŽŶĐůŝŵĂƚĞĐŚĂŶŐĞ ing in the Tigray, Amhara, and Oromiya regions. ĂĚǀŽĐĂĐǇǁŝƚŚĨƵŶĚŝŶŐĂŶĚƚĞĐŚŶŝĐĂůĞǆƉĞƌƟƐĞŝŶƚŚĞĮĞůĚŽĨ ͻ ĞĚĞďŝƚƌĞĚŝƚĂŶĚ^ĂǀŝŶŐƐ/ŶƐƟƚƵƟŽŶ;^/Ϳ͗ ^ĞĐŽŶĚͲůĂƌŐĞƐƚ insurance and reinsurance. ŵŝĐƌŽĮŶĂŶĐĞŝŶƐƟƚƵƟŽŶ;D&/ͿŝŶƚŚŝŽƉŝĂǁŝƚŚŶĞĂƌůǇĐŽŵƉƌĞͲ ͻ dŚĞ/ŶƚĞƌŶĂƟŽŶĂůZĞƐĞĂƌĐŚ/ŶƐƟƚƵƚĞĨŽƌůŝŵĂƚĞĂŶĚ^ŽĐŝĞƚǇ ŚĞŶƐŝǀĞĐŽǀĞƌĂŐĞŽĨdŝŐƌĂǇ͖ŶĂŵĞĚďǇ Forbes magazine as one ;/Z/Ϳ͗ DĞŵďĞƌŽĨŽůƵŵďŝĂhŶŝǀĞƌƐŝƚǇ͛ƐĂƌƚŚ/ŶƐƟƚƵƚĞŽīĞƌŝŶŐ of the top 50 MFIs in the world. ƌĞƐĞĂƌĐŚĂŶĚƚĞĐŚŶŝĐĂůĞǆƉĞƌƟƐĞŝŶĐůŝŵĂƚĞĚĂƚĂĂŶĚǁĞĂƚŚĞƌ ͻ ƚŚŝŽƉŝĂŶEĂƟŽŶĂůDĞƚĞŽƌŽůŽŐŝĐĂůŐĞŶĐǇ;EDͿ͗ Agency of Ͳ index design for rural farmers. fering technical support in weather and climate data analysis. ͻ dŚĞZŽĐŬĞĨĞůůĞƌ&ŽƵŶĚĂƟŽŶ͗ &ŽƵŶĚĂƟŽŶƚŚĂƚĨƵŶĚƐƐƚƌĂƚĞŐŝĞƐ ͻ /ŶƐƟƚƵƚĞĨŽƌ^ƵƐƚĂŝŶĂďůĞĞǀĞůŽƉŵĞŶƚ;/^Ϳ͗ Research organi Ͳ ƚŚĂƚŚĞůƉĐŽŵŵƵŶŝƟĞƐďƵŝůĚƌĞƐŝůŝĞŶĐĞƚŽƚŚĞŝŵƉĂĐƚƐŽĨĐƵƌͲ ǌĂƟŽŶĚĞĚŝĐĂƚĞĚƚŽƐƵƐƚĂŝŶĂďůĞĨĂƌŵŝŶŐƉƌĂĐƟĐĞƐ͘ rent and imminent climate change. ͻ DĞŬĞůůĞhŶŝǀĞƌƐŝƚǇ͗ DĞŵďĞƌŽĨEĂƚŝŽŶĂůŐƌŝĐƵůƚƵƌĂů ͻ tŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞ͗ tŽƌůĚ͛ƐůĂƌŐĞƐƚŚƵŵĂŶŝƚĂƌŝĂŶĂŐĞŶĐǇ Research System providing agronomic expertise and ĮŐŚƟŶŐŚƵŶŐĞƌǁŽƌůĚǁŝĚĞǁŝƚŚŐůŽďĂůƐĂĨĞƚǇŶĞƚŝŶĨƌĂƐƚƌƵĐƚƵƌĞ research. ĂŶĚĞǆƉĞƌŝĞŶĐĞŝŶŝŵƉůĞŵĞŶƟŶŐůĂƌŐĞͲƐĐĂůĞĐŽŵŵƵŶŝƚǇͲďĂƐĞĚ ͻ EǇĂůĂ/ŶƐƵƌĂŶĐĞ^ŚĂƌĞŽŵƉĂŶǇ͗ Private insurer in Ethiopia ĚŝƐĂƐƚĞƌƌŝƐŬƌĞĚƵĐƟŽŶƉƌŽŐƌĂŵƐǁŝƚŚŐŽǀĞƌŶŵĞŶƚƐĂŶĚKǆĨĂŵ with a strong track record of interest in agricultural insurance. America. ͻ ZĞůŝĞĨ^ŽĐŝĞƚǇŽĨdŝŐƌĂǇ;Z^dͿ͗ >ŽĐĂůƉƌŽũĞĐƚŵĂŶĂŐĞƌĨŽƌ ,Z/d͕ƌĞƐƉŽŶƐŝďůĞĨŽƌŽƉĞƌĂƟŶŐƚŚĞWƌŽĚƵĐƟǀĞ^ĂĨĞƚǇEĞƚ WƌŽŐƌĂŵŵĞ;W^EWͿŝŶƐŝǆĚŝƐƚƌŝĐƚƐŽĨdŝŐƌĂǇĂŶĚŽǀĞƌƐĞĞŝŶŐĂůů ƌĞŐŝŽŶĂůĐŽŽƌĚŝŶĂƟŽŶ͖ĞƐƚĂďůŝƐŚĞĚŝŶϭϵϳϴ͖ŚĂƐǁŽƌŬĞĚǁŝƚŚ KǆĨĂŵƐŝŶĐĞϭϵϴϰŽŶĚĞǀĞůŽƉŵĞŶƚŝƐƐƵĞƐ͖ůĂƌŐĞƐƚŶŽŶŐŽǀĞƌŶͲ ŵĞŶƚĂůŽƌŐĂŶŝǌĂƟŽŶŝŶƚŚŝŽƉŝĂ;ĂŶĚŽŶĞŽĨƚŚĞůĂƌŐĞƐƚ ŝŶĨƌŝĐĂͿ͘ ͻ dŝŐƌĂǇZĞŐŝŽŶĂů&ŽŽĚ^ĞĐƵƌŝƚǇŽŽƌĚŝŶĂƟŽŶKĸĐĞ͗ KĸĐĞǁŝƚŚ ŽǀĞƌƐŝŐŚƚŽĨƚŚĞW^EWŝŶƚŚĞƉŝůŽƚĂƌĞĂ͘ ͻ dŝŐƌĂǇŽŽƉĞƌĂƟǀĞWƌŽŵŽƟŽŶKĸĐĞ͗ KĸĐĞƌĞƐƉŽŶƐŝďůĞĨŽƌ helping organize farmers at the village level.

ϲ ZϰŶĂƟŽŶĂůĂŶĚƌĞŐŝŽŶĂůƉĂƌƚŶĞƌƐŝŶ^ĞŶĞŐĂůǁŝůůďĞŝĚĞŶƟĮĞĚŝŶϮϬϭϮĨŽƌƉŝůŽƚ enrollment in the 2013 season.

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Published May 3, 2012

ŽƐƚŽŶ͕Dʹ/ŶƚŚĞǁĂŬĞŽĨĂŐƌŽǁŝŶŐĨŽŽĚĐƌŝƐŝƐŝŶtĞƐƚĨƌŝĐĂ͕KǆĨĂŵŵĞƌŝĐĂĂŶŶŽƵŶĐĞƐƌĞŶĞǁĞĚƐƵƉƉŽƌƚĨƌŽŵ ƚŚĞZŽĐŬĞĨĞůůĞƌ&ŽƵŶĚĂƟŽŶĨŽƌŝƚƐĐƵƌƌĞŶƚƌƵƌĂůƌĞƐŝůŝĞŶĐĞŝŶŝƟĂƟǀĞŝŶƚŚŝŽƉŝĂĂŶĚŝƚƐĞǆƉĂŶƐŝŽŶŝŶƚŽ^ĞŶĞŐĂů͘

ZŽĐŬĞĨĞůůĞƌ͛ƐΨϰϱϬ͕ϬϬϬĐŽŵŵŝƚŵĞŶƚĨŽƌƚŚŝƐĐĂůĞŶĚĂƌǇĞĂƌǁŝůůŚĞůƉƐƚĂƌƚƚŚĞŝŶŝƟĂƟǀĞŝŶ^ĞŶĞŐĂůƚŽĞŶĂďůĞƉŽŽƌ ĨĂƌŵĞƌƐƚŽƐƚƌĞŶŐƚŚĞŶƚŚĞŝƌĨŽŽĚĂŶĚŝŶĐŽŵĞƐĞĐƵƌŝƚǇďǇŵĂŶĂŐŝŶŐƌŝƐŬƐƚŚƌŽƵŐŚĂĨŽƵƌͲƉĂƌƚĂƉƉƌŽĂĐŚͶŝŵƉƌŽǀŝŶŐ ŶĂƚƵƌĂůƌĞƐŽƵƌĐĞŵĂŶĂŐĞŵĞŶƚ;ĐŽŵŵƵŶŝƚǇƌŝƐŬƌĞĚƵĐƟŽŶͿ͕ĂĐĐĞƐƐŝŶŐŵŝĐƌŽĐƌĞĚŝƚ;͞ƉƌƵĚĞŶƚ͟ƌŝƐŬƚĂŬŝŶŐͿ͕ŐĂŝŶŝŶŐ ŝŶƐƵƌĂŶĐĞĐŽǀĞƌĂŐĞ;ƌŝƐŬƚƌĂŶƐĨĞƌͿ͕ĂŶĚŝŶĐƌĞĂƐŝŶŐƐĂǀŝŶŐƐ;ƌŝƐŬƌĞƐĞƌǀĞƐͿ͘

^ŝŶĐĞƚŚĞĮƌƐƚǁĂƌŶŝŶŐƐŽĨĚƌŽƵŐŚƚĂŶĚƉŽŽƌŚĂƌǀĞƐƚƐŝŶĨƌŝĐĂ͛Ɛ^ĂŚĞůƌĞŐŝŽŶĞŵĞƌŐĞĚŝŶůĂƚĞϮϬϭϭ͕ǀƵůŶĞƌĂďůĞĐŽŵͲ ŵƵŶŝƟĞƐŝŶŵĂŶǇĂƌĞĂƐŽĨƚŚĞƌĞŐŝŽŶŚĂǀĞďĞĞŶƚŚƌĞĂƚĞŶĞĚďǇĂůŽŽŵŝŶŐĨŽŽĚĐƌŝƐŝƐ͘dŚĂƚĐƌŝƐŝƐŝƐŶŽǁƌĞĂů͕ĂŶĚϭϱ million people across seven countries are vulnerable to its impact.

͞ƌĞĂŬŝŶŐƚŚĞĐǇĐůĞŽĨŚƵŶŐĞƌĂŶĚŵĂůŶƵƚƌŝƟŽŶĂŶĚďƵŝůĚŝŶŐƌĞƐŝůŝĞŶĐĞŽĨƚŚĞŵŽƐƚǀƵůŶĞƌĂďůĞƚŚƌŽƵŐŚůŽŶŐͲƚĞƌŵŝŶǀĞƐƚͲ ŵĞŶƚƐŝŶĂŐƌŝĐƵůƚƵƌĞŝƐĐƌŝƟĐĂů͕͟ƐĂŝĚĂǀŝĚ^ĂƩĞƌƚŚǁĂŝƚĞ͕DĂŶĂŐĞƌ͕ZϰZƵƌĂůZĞƐŝůŝĞŶĐĞ/ŶŝƟĂƟǀĞĂƚKǆĨĂŵŵĞƌŝĐĂ͘

͞dŚĞZŽĐŬĞĨĞůůĞƌ&ŽƵŶĚĂƟŽŶŝƐƉƌŽƵĚƚŽƐƵƉƉŽƌƚKǆĨĂŵŵĞƌŝĐĂŝŶŚĞůƉŝŶŐƐŵĂůůŚŽůĚĞƌĨĂƌŵĞƌƐďƵŝůĚƌĞƐŝůŝĞŶĐĞ͕ ŽŶĞŽĨƚŚĞĐŽƌĞƉŝůůĂƌƐŽĨƚŚĞZŽĐŬĞĨĞůůĞƌ&ŽƵŶĚĂƟŽŶ͛ƐǁŽƌŬ͕͟ƐĂŝĚƌŝƐƟŶĂZƵŵďĂŝƟƐĚĞůZŝŽ͕ƐƐŽĐŝĂƚĞŝƌĞĐƚŽƌ͕ dŚĞZŽĐŬĞĨĞůůĞƌ&ŽƵŶĚĂƟŽŶ͘͞WŽŽƌĨĂƌŵĞƌƐĂƌĞŽŌĞŶƚŚĞŵŽƐƚǀƵůŶĞƌĂďůĞ͕ĞƐƉĞĐŝĂůůǇŝŶĂƟŵĞŽĨĐƌŝƐŝƐ͕ĂŶĚŝƚŝƐ ĐƌŝƟĐĂůƚŽŚĞůƉƚŚĞŵŵĂŶĂŐĞƚŚĞƌŝƐŬƐƚŚĞǇĚŝƐƉƌŽƉŽƌƟŽŶĂƚĞůǇĨĂĐĞƚŽďŽƚŚƚŚĞŝƌĨŽŽĚĂŶĚŝŶĐŽŵĞƐĞĐƵƌŝƚǇ͘͟

dŚŝƐƉĂƌƟĐƵůĂƌŐƌĂŶƚŝƐŝŶƚĞŶĚĞĚƚŽŝŵƉƌŽǀĞƌƵƌĂůƌĞƐŝůŝĞŶĐĞĨŽƌĨĂƌŵĞƌƐďǇŝŵƉůĞŵĞŶƟŶŐĂŚŽůŝƐƟĐƌŝƐŬŵĂŶĂŐĞŵĞŶƚ package of improved natural resource management, microcredit, microinsurance and savings in farming house Ͳ ŚŽůĚƐŝŶƚŚŝŽƉŝĂĂŶĚ^ĞŶĞŐĂů͘dŚŝƐŐƌĂŶƚƐƉĞĐŝĮĐĂůůǇƌĞůĂƚĞƐƚŽŝŶǀĞƐƚŵĞŶƚƐƚŚĂƚƚŚĞ&ŽƵŶĚĂƟŽŶŝƐŵĂŬŝŶŐƚŽďƵŝůĚ EĞǁWĂƌƚŶĞƌƐŚŝƉƐĂŶĚ&ŝŶĂŶĐŝŶŐƉƉƌŽĂĐŚĞƐĨŽƌ/ŵƉůĞŵĞŶƚĂƟŽŶ͘

For the 1.3 billion people living on less than a dollar a day who depend on agriculture for their livelihoods, vulner Ͳ ĂďŝůŝƚǇƚŽĐůŝŵĂƚĞͲƌĞůĂƚĞĚƐŚŽĐŬƐŝƐĂĐŽŶƐƚĂŶƚƚŚƌĞĂƚƚŽĨŽŽĚƐĞĐƵƌŝƚǇĂŶĚǁĞůůͲďĞŝŶŐ͘/ŶƌĞƐƉŽŶƐĞƚŽƚŚŝƐĐŚĂůůĞŶŐĞ͕ ƚŚĞhŶŝƚĞĚEĂƟŽŶƐtŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞĂŶĚKǆĨĂŵŵĞƌŝĐĂŚĂǀĞůĂƵŶĐŚĞĚƚŚĞZϰZƵƌĂůZĞƐŝůŝĞŶĐĞ/ŶŝƟĂƟǀĞ͕ ŬŶŽǁŶĂƐZϰ͕ƌĞĨĞƌƌŝŶŐƚŽƚŚĞĨŽƵƌƌŝƐŬŵĂŶĂŐĞŵĞŶƚƐƚƌĂƚĞŐŝĞƐƚŚĂƚƚŚĞŝŶŝƟĂƟǀĞŝŶƚĞŐƌĂƚĞƐ͘ZϰďƵŝůĚƐŽŶƚŚĞ ŝŶŝƟĂůƐƵĐĐĞƐƐŽĨĂŚŽůŝƐƟĐƌŝƐŬŵĂŶĂŐĞŵĞŶƚĨƌĂŵĞǁŽƌŬĚĞǀĞůŽƉĞĚďǇKǆĨĂŵŵĞƌŝĐĂƚŽĞŶĂďůĞƉŽŽƌĨĂƌŵĞƌƐƚŽ ƐƚƌĞŶŐƚŚĞŶƚŚĞŝƌĨŽŽĚĂŶĚŝŶĐŽŵĞƐĞĐƵƌŝƚǇƚŚƌŽƵŐŚĂĐŽŵďŝŶĂƟŽŶŽĨŝŵƉƌŽǀĞĚƌĞƐŽƵƌĐĞŵĂŶĂŐĞŵĞŶƚ;ƌŝƐŬƌĞĚƵĐͲ ƟŽŶͿ͕ŵŝĐƌŽĐƌĞĚŝƚ;ƉƌƵĚĞŶƚƌŝƐŬƚĂŬŝŶŐͿ͕ŝŶƐƵƌĂŶĐĞ;ƌŝƐŬƚƌĂŶƐĨĞƌͿ͕ĂŶĚƐĂǀŝŶŐƐ;ƌŝƐŬƌĞƐĞƌǀĞƐͿ͘

dŚĞŽƌŝŐŝŶĂůĨƌĂŵĞǁŽƌŬ͕ĐĂůůĞĚ,ŽƌŶŽĨĨƌŝĐĂZŝƐŬdƌĂŶƐĨĞƌĨŽƌĚĂƉƚĂƟŽŶ;,Z/dͿƉƌŽũĞĐƚ͕ŝŶǀŽůǀĞĚĂŶĞƚǁŽƌŬŽĨ ŐůŽďĂůĂŶĚůŽĐĂůƉĂƌƚŶĞƌƐŝŶĐůƵĚŝŶŐKǆĨĂŵŵĞƌŝĐĂ͕^ǁŝƐƐZĞ͕ƚŚĞZŽĐŬĞĨĞůůĞƌ&ŽƵŶĚĂƟŽŶ͕ƚŚĞZĞůŝĞĨ^ŽĐŝĞƚǇŽĨdŝŐƌĂǇ͕ ĞĚĞďŝƚƌĞĚŝƚĂŶĚ^ĂǀŝŶŐƐ/ŶƐƟƚƵƟŽŶ͕EǇĂůĂ/ŶƐƵƌĂŶĐĞŽŵƉĂŶǇ͕ĨƌŝĐĂ/ŶƐƵƌĂŶĐĞŽŵƉĂŶǇĂŶĚƚŚĞ/ŶƚĞƌŶĂƟŽŶĂů ZĞƐĞĂƌĐŚ/ŶƐƟƚƵƚĞĨŽƌůŝŵĂƚĞĂŶĚ^ŽĐŝĞƚǇĂƚŽůƵŵďŝĂhŶŝǀĞƌƐŝƚǇ͘/ŶŝƚƐƚŚƌĞĞŽĨǇĞĂƌƐŽĨĚĞůŝǀĞƌǇƚŚŝƐƉŝůŽƚŚĂƐƐĐĂůĞĚ up from 200 enrolled households in one village in 2009 to over 13,000 enrolled households in 43 villages in 2011.

dŚƌŽƵŐŚZϰ͕ĨĂƌŵĞƌƐǁŝůůďĞĂďůĞƚŽƉĂǇĨŽƌƚŚĞŝƌŝŶƐƵƌĂŶĐĞƉƌĞŵŝƵŵƐƚŚƌŽƵŐŚůĂďŽƌŝŶĨŽŽĚͲĂŶĚͲĐĂƐŚͲĨŽƌǁŽƌŬ ƉƌŽŐƌĂŵƐ͘dŚĞŝƌůĂďŽƌǁŝůůĐŽŶƚƌŝďƵƚĞƚŽĐŽŵŵƵŶŝƚǇƉƌŽũĞĐƚƐƐƵĐŚĂƐŝƌƌŝŐĂƟŽŶŽƌĨŽƌĞƐƚƌǇƚŽƌĞĚƵĐĞƚŚĞŝŵƉĂĐƚƐŽĨ ĐůŝŵĂƚĞĐŚĂŶŐĞŽŶƚŚĞŝƌǀŝůůĂŐĞƐ͘DŽƌĞƉƌŽƐƉĞƌŽƵƐĨĂƌŵĞƌƐǁŝůůƉĂǇƚŚĞŝƌŝŶƐƵƌĂŶĐĞƉƌĞŵŝƵŵƐŝŶĐĂƐŚ͘KǀĞƌƟŵĞ͕ĂƐ the poorest farmers become more prosperous, they can graduate from the need to pay through labor, and begin ƉĂǇŝŶŐŝŶĐĂƐŚ͕ŚĞůƉŝŶŐƚŽĞŶƐƵƌĞƚŚĞƉƌŽũĞĐƚ͛ƐĐŽŵŵĞƌĐŝĂůǀŝĂďŝůŝƚǇĂŶĚůŽŶŐͲƚĞƌŵƐƵĐĐĞƐƐ͘

KǀĞƌĂƉĞƌŝŽĚŽĨĮǀĞǇĞĂƌƐ͕KǆĨĂŵŵĞƌŝĐĂĂŶĚt&WƉůĂŶƚŽƐĐĂůĞƵƉĂŶĚĞǀĂůƵĂƚĞƚŚĞZϰĂƉƉƌŽĂĐŚŝŶϰĐŽƵŶƚƌŝĞƐ͘ /ŶĂĚĚŝƟŽŶƚŽĐŽŶƟŶƵŝŶŐĞīŽƌƚƐŝŶƚŚŝŽƉŝĂĂŶĚƚŚĞŶĞǁǁŽƌŬŝŶ^ĞŶĞŐĂů͕ƚŚŝƐǁŝůůŝŶĐůƵĚĞƚǁŽĂĚĚŝƟŽŶĂůĐŽƵŶƚƌŝĞƐ ĂƐƚŚĞŝŶŝƟĂƟǀĞƉƌŽŐƌĞƐƐĞƐ͘

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ ϭϰ Event date Event and location London, 2–3 April. only. By invitation 2–3. May Italy, only. By invitation 29. Addis Ababa, May only. By invitation 7–8. Nairobi, June only. By invitation 13–14. June Rome, only. By invitation 2. July DC, Washington, 7–9. Aug. Addis, only. By invitation Oxford, March Oxford, 28–30. only. By invitation http://skollworldforum.org/ ͵^hDDZϮϬϭϮΉ Expert panel/ speakers/attendees Speakers drawn from the world’s most most world’s the from drawn Speakers entrepreneurs social influential and impactful creating those from and leaders, thought and change. social large-scale Senior-level experts in the field ofSenior-level disaster risk management from the public and private sectors and science community. including fields, various from experts Technical economics, development modelling, yield extension, crop livestock and crop security, food finance. and sensing, remote science, climate partners including the ReliefHARITA/R4 Dedebit Credit and Society of Tigray, Share Insurance Institution, Nyala Savings Tigray Company, Africa Insurance Company, Bureau of National and Tigray Agriculture, Meteorology Agency. About 75 participants representing 53 organizations from 15 countries including Food the World from Swiss Re, speakers African government USAID, Programme, companies. and insurance agencies, and academicians, Researchers, in the field ofpractitioners insurance index representing organizations/institutions such ofas the University the California– Davis, Swiss Re, ofUniversity California–Berkeley, International Labour Organization, and the Programme. Food World and academicians, Researchers, practitioners. membersteam from the R4 Senegal Team and R4 global team, from the WFP team. Kenya delegates from the social, finance, delegates from the social, finance, and public sectors in Oxford private, and nights of three days (UK) for critical sessions and work discussions, debates, aimed at and accelerating, innovating, scaling solutions to social challenges. To assess the opportunities and To use and the expanded for constraints application of risk modeling and finance tools within disaster risk management with a particularframeworks, on focus low-income countries. at packages with the insurance arrive To greatest reducing poverty, potential for and improving strengthening resilience, rural security. food methodology and share ideas for in measuring impact ofimprovement the three components of risk HARITA: reduction, credit, and insurance. agricultural and public sector insurance in risk management, and involvement from the field on to share experiences agricultural insurance. of index aspects various discuss To design, contract including insurance, subsidies, demand, insurance indices, through etc., credit, with interlinkage and initiatives of various presentation challenges. discuss roles and partnerships To and government, business, between NGOs in the global economy. learning foster and sharing across R4 To country teams through a field visit and the HARITA/ hosted by workshop training R4 Ethiopia team. Organizer Focus Skoll FoundationSkoll bring together 900 distinguished To International Development International Centre Research Joint of the European Commission (JRC/EC) and the International Institute for Research Climate and Society Swiss Re on discuss global perspectives To Insurance I4 Index Initiative Innovation ofAcademy International Business Programme Food World participation and role Pablo Suarez, consultant to Pablo Oxfam America, facilitator Niels Balzer, presenterNiels Balzer, for Department Food World Niels Balzer, presenter Programme, Organizer Food World Niels Balzer, Oxfam America presenter Programme, evaluation discuss HARITA To Richard Choularton, World presenter Programme, Food Stephane de Messieres, Oxfam America, presenter Organizer Oxfam America and the Event nameEvent Oxfam America WWE/y///͗ZhZ>Z^/>/EsEd^Z/^Έ^WZ/E' Skoll World Forum 2012 Forum Skoll World Building Disaster Gaps and Resilience: in Disaster Innovations Risk Modeling and Financing workshop: Technical of Challenges The Index-Based Insurance Security in for Food Countries Developing Stakeholders' workshop on lessons learned impact from HARITA processes evaluation Agricultural Swiss Re Insurance Client and Expert on Roundtable Agricultural Insurance as Part of a Solution to Risk Management in Africa Challenges Meeting I4 Technical 2012 Places: “Trading Panel: of Role Evolving The Business Government, and Civil Society in the Global Business Environment” R4 Learning Event

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/Ed,Et^ ͻ >ůŽǇĚ͛ƐEĞǁƐĂŶĚ&ĞĂƚƵƌĞƐ͕͞ DŝĐƌŽŝŶƐƵƌĂŶĐĞƚŽDŝƟŐĂƚĞůŝŵĂƚĞ ͻ Victoria Eastwood, “ Insurance Helps Kenya’s Herders Protect Change Impact ͟;:ƵŶĞϰ͕ϮϬϭϬͿ͘ Against Drought ͕͟EE;:ƵŶĞϭϴ͕ϮϬϭϮͿ͘ ͻ ŶŶĞŚĞƚĂŝůůĞĂŶĚĂŵŝĞŶ>ĂŐƌĂŶĚƌĠ͕͞ L’Assurance Indicielle, ͻ Forum for Agricultural Risk Management in Development hŶĞZĠƉŽŶƐĞ&ĂĐĞĂƵǆZŝƐƋƵĞƐůŝŵĂƟƋƵĞƐ͍ ” Inter-réseaux ;&ZDͿ͕͞ KǆĨĂŵΘtW&͛ƐZϰŝŶŝƟĂƟǀĞĞŐŝŶƐǆƉĂŶƐŝŽŶŝŶƚŽ Développement rural ;DĂƌĐŚϯϭ͕ϮϬϭϬͿ͘ Senegal, Fueled by Success in Ethiopia ͕͟;:ƵŶĞϱ͕ϮϬϭϮͿ͘ ͻ WĂďůŽ^ƵĂƌĞǌĂŶĚ:ŽĂŶŶĞ>ŝŶŶĞƌŽŽƚŚͲĂǇĞƌ͕͞ DŝĐƌŽͲ/ŶƐƵƌĂŶĐĞ ͻ ĂǀŝĚ^ĂƩĞƌƚŚǁĂŝƚĞ͕͞ tĞĂƚŚĞƌ/ŶƐƵƌĂŶĐĞƵŝůĚƐZĞƐŝůŝĞŶĐĞĨŽƌ ĨŽƌ>ŽĐĂůĚĂƉƚĂƟŽŶ ,” Wiley Interdisciplinary Reviews: Climate Farmers ,” Momentum ;DĂƌĐŚϮϬϭϮͿ͘ Change ;DĂƌĐŚϭϮ͕ϮϬϭϬͿ͘ ͻ :ŝŵ&ƌĞŶĐŚ͕͞ Ethiopian Crop Insurance and the Secret Farm ͻ EĞǁŶŐůĂŶĚĂďůĞEĞǁƐ͕͞KǆĨĂŵWƌŽǀŝĚĞƐ&Ăƌŵ/ŶƐƵƌĂŶĐĞŝŶ Bill ͕͟,ƵƚĐŚŶĞǁƐ;ĞĐ͘ϮϮ͕ϮϬϭϭͿ͘dŚŝƐǁĂƐĂůƐŽƉŽƐƚĞĚďǇ͗ ĨƌŝĐĂ͟;EŽǀ͘ϲ͕ϮϬϬϵͿ͘ dƌĞĞ,ƵŐŐĞƌ͘ĐŽŵ͕ůůsŽŝĐĞƐ͗>ŽĐĂůƚŽ'ůŽďĂůEĞǁƐ͕ĂŶĚƚŚĞ ͻ :ĂŵĞƐ&͘^ŵŝƚŚ͕͞ tŽƌůĚ͛ƐWŽŽƌĞƐƚ&ĂƌŵĞƌƐEŽǁKīĞƌĞĚ tŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞ͘ Insurance ,” The Boston Globe ;KĐƚ͘ϭϯ͕ϮϬϬϵͿ͘ ͻ David Bornstein, “ EĞǁƐ&ůĂƐŚ͗WƌŽŐƌĞƐƐ,ĂƉƉĞŶƐ ,” The New York ͻ Evan Lehmann, “Africa Experiments with Climate Insurance—for Times ;ĞĐ͘ϭϱ͕ϮϬϭϭͿ͘ $5 a Year,” The New York Times ;^ĞƉƚ͘ϯϬ͕ϮϬϬϵͿ͘ ͻ Agnieszka Flak, “ 'ĂŵĞƐtĂŬĞWĞŽƉůĞhƉƚŽůŝŵĂƚĞŚĂŶŐĞ ,” ͻ “^ǁŝƐƐZĞ͕KǆĨĂŵŵĞƌŝĐĂ͕ZŽĐŬĞĨĞůůĞƌ&ŽƵŶĚĂƟŽŶ͕ĂŶĚ ZĞƵƚĞƌƐ;ĞĐ͘Ϯ͕ϮϬϭϭͿ͘ ŽůƵŵďŝĂ͛Ɛ/Z/ǆƉĂŶĚ:ŽŝŶƚZŝƐŬ/ŶŝƟĂƟǀĞŝŶdŝŐƌĂǇ͕ƚŚŝŽƉŝĂ ,” ͻ >ĂƵƌŝĞ'ŽĞƌŝŶŐ͕͞ Insurance Aims to Help Herders Avoid ^ǁŝƐƐZĞƉƌĞƐƐƌĞůĞĂƐĞ;^ĞƉƚ͘Ϯϱ͕ϮϬϬϵͿ͘ ‘Downward Spiral’ from Drought ,” AlertNet ;EŽǀ͘ϯϬ͕ϮϬϭϭͿ͘ ͻ The Guardian , “ ůŝŵĂƚĞ/ŶƐƵƌĂŶĐĞ͗tŚĂƚ<ŝŶĚŽĨĞĂůĂŶĞ ͻ >ŝƐĂ:ŽŶĞƐŚƌŝƐƚĞŶƐĞŶ͕͞ Case Study: Swiss Re and Oxfam ,” DĂĚĞŝŶŽƉĞŶŚĂŐĞŶ͍ ͟;:ƵůǇϮϰ͕ϮϬϬϵͿ͘ Financial Times ;EŽǀ͘ϭ͕ϮϬϭϭͿ͘ ͻ :ĞīdŽůůĞĨƐŽŶ͕͞ Insuring Against Climate ,” Nature ;:ƵůǇϮϮ͕ϮϬϬϵͿ͘ ͻ DesMoinesRegister.com, “ ƌŽƉ/ŶƐƵƌĂŶĐĞĂŶWĂǇKīĨŽƌ^ŵĂůů ͻ Catherine Brahic, “ An Insurance Plan for Climate Change African Farms ͟;KĐƚ͘ϭϯ͕ϮϬϭϭͿ͘ sŝĐƟŵƐ ,” EĞǁ^ĐŝĞŶƟƐƚ ;:ƵůǇϭ͕ϮϬϬϵͿ͘ ͻ ůĞƌƚŶĞƚ͕͞^ĐĂůŝŶŐhƉ/ŶŶŽǀĂƟǀĞůŝŵĂƚĞŚĂŶŐĞĚĂƉƚĂƟŽŶĂŶĚ ͻ Omer Redi, “ Insurance Firm Sows Seeds ,” Addis Fortune ;:ƵŶĞ /ŶƐƵƌĂŶĐĞ^ŽůƵƟŽŶƐŝŶ^ĞŶĞŐĂů͟;^ĞƉƚ͘ϭϵ͕ϮϬϭϭͿ͘ ϭϰ͕ϮϬϬϵͿ͘ ͻ 'ůŽďĂůtĂƐŚŝŶŐƚŽŶďůŽŐ͕͞ Reforming Aid: Transforming the ͻ Newsweek , “ Coping with Climate ͟;ĞĐ͘Ϯϵ͕ϮϬϬϴͿ͘ tŽƌůĚ ͟;^ĞƉƚ͘ϴ͕ϮϬϭϭͿ͘ ͻ Alertnet, Index Insurance in East Africa , a video produced by ƚŚĞ/ŶƚĞƌŶĂƟŽŶĂůZĞƐĞĂƌĐŚ/ŶƐƟƚƵƚĞĨŽƌůŝŵĂƚĞĂŶĚ^ŽĐŝĞƚǇ ;^ĞƉƚ͘ϮϬϭϭͿ͘ ͻ Reuters, “ ^ǁŝƐƐZĞ:ŽŝŶƐƚŚŝŽƉŝĂŶDŝĐƌŽͲ/ŶƐƵƌĂŶĐĞWƌŽũĞĐƚ ” ;:ƵŶĞϭϬ͕ϮϬϭϭͿ͘ ͻ Tina Rosenberg, “ dŽ^ƵƌǀŝǀĞ&ĂŵŝŶĞ͕tŝůůtŽƌŬĨŽƌ/ŶƐƵƌĂŶĐĞ ,” The New York Times ;DĂǇϭϮ͕ϮϬϭϭͿ͘ ͻ /Z/E,ƵŵĂŶŝƚĂƌŝĂŶEĞǁƐĂŶĚŶĂůǇƐŝƐ͕͞ Ethiopia: Taking the Disaster Out of Drought ͟;EŽǀ͘Ϯϰ͕ϮϬϭϬͿ͘ ͻ “'ůŽďĂů/ŶƐƵƌĂŶĐĞ/ŶĚƵƐƚƌǇ^ƚĂƚĞŵĞŶƚŽŶĚĂƉƟŶŐƚŽůŝŵĂƚĞ Change in Developing Countries ͕͟ůŝŵĂƚĞtŝƐĞ͕ŝŶĐŽůůĂďŽƌĂͲ ƟŽŶǁŝƚŚƚŚĞhŶŝƚĞĚEĂƟŽŶƐŶǀŝƌŽŶŵĞŶƚWƌŽŐƌĂŵŵĞ&ŝŶĂŶĐĞ /ŶŝƟĂƟǀĞ͕ƚŚĞ'ĞŶĞǀĂƐƐŽĐŝĂƟŽŶ͕ĂŶĚƚŚĞDƵŶŝĐŚůŝŵĂƚĞ /ŶƐƵƌĂŶĐĞ/ŶŝƟĂƟǀĞ;D//Ϳ;^ĞƉƚ͘ϮϬϭϬͿ͘ ͻ ǀĂŶ>ĞŚŵĂŶŶ͕͞^ƵƉƉŽƌƚĞƌƐŽĨ'ůŽďĂů/ŶƐƵƌĂŶĐĞWƌŽŐƌĂŵ,ŽƉĞ ƚŽZĞďŽƵŶĚŌĞƌƌĞĂƌǇŽƉĞŶŚĂŐĞŶ^Ƶŵŵŝƚ͕͟ ClimateWire ;ƵŐ͘ϰ͕ϮϬϭϬͿ͘ ͻ MicroRisk ͕͞^ǁŝƐƐZĞůŝŵĂƚĞͲ>ŝŶŬĞĚƌŽƉ/ŶƐƵƌĂŶĐĞdĂŬĞƐKī͟ ;:ƵůǇϮϬϭϬͿ͘ ͻ Deborah Kerby, “Climate Covered,” Green Futures ;:ƵůǇϮϬϭϬͿ͘

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ ϭϲ /ED/:KhZE>^EWh>/d/KE^ WZdEZZWKZd^ ͻ WĂďůŽ^ƵĂƌĞǌ͕ĂŶĚ:ĂĂŶŶĞ>ŝŶŶĞƌŽŽƚŚͲĂǇĞƌ͕͞ /ŶƐƵƌĂŶĐĞͲZĞůĂƚĞĚ ͻ HARITA IRI Report to Oxfam America March 2012: This report /ŶƐƚƌƵŵĞŶƚƐĨŽƌŝƐĂƐƚĞƌZŝƐŬZĞĚƵĐƟŽŶ ͕͟'ůŽďĂůƐƐĞƐƐŵĞŶƚ ŝƐĂĚĞůŝǀĞƌĂďůĞďǇƚŚĞ/ŶƚĞƌŶĂƟŽŶĂůZĞƐĞĂƌĐŚ/ŶƐƟƚƵƚĞĨŽƌ ZĞƉŽƌƚϮϬϭϭ͕/ŶƚĞƌŶĂƟŽŶĂů^ƚƌĂƚĞŐǇĨŽƌŝƐĂƐƚĞƌZŝƐŬZĞĚƵĐƟŽŶ ůŝŵĂƚĞĂŶĚ^ŽĐŝĞƚǇ;/Z/ͿƚŽKǆĨĂŵŵĞƌŝĐĂŽŶƚŚĞϮϬϭϮŝŶĚĞǆ ;KĐƚŽďĞƌϮϬϭϭͿ͘ ĚĞǀĞůŽƉŵĞŶƚƉƌŽĐĞƐƐĞƐĂŶĚƉƌĞƐĞŶƚƐƚŚĞĮŶĂůŝŶĚŝĐĞƐŽīĞƌĞĚ ͻ :ŽĂŶŶĞ>ŝŶŶĞƌŽŽƚŚͲĂǇĞƌĞƚĂů͕͘͞ƌŽƵŐŚƚ/ŶƐƵƌĂŶĐĞĨŽƌ ŝŶƚŚĞƉƌŽũĞĐƚǀŝůůĂŐĞƐ͘ Subsistence Farmers in Malawi,” Natural Hazards Observer ͻ HARITA IRI Report to Oxfam America May 2011: This report is ϯϯ͕ŶŽ͘ϱ͕EĂƚƵƌĂů,ĂǌĂƌĚƐĞŶƚĞƌ͕hŶŝǀĞƌƐŝƚǇŽĨŽůŽƌĂĚŽ;DĂǇ a deliverable by IRI to Oxfam America on the 2011 index de Ͳ ϮϬϬϵͿ͘ ǀĞůŽƉŵĞŶƚƉƌŽĐĞƐƐĞƐ͘/ƚƉƌŽǀŝĚĞƐĂĚĞƐĐƌŝƉƟŽŶŽĨƚŚĞŝŶĚĞǆĞƐ͕ ͻ Molly E. Hellmuth, Daniel E. Osgood, Ulrich Hess, Anne their structure, their data sources, the design process, and DŽŽƌŚĞĂĚ͕ĂŶĚ,ĂƌĞƐŚŚŽũǁĂŶŝ͕͞/ŶĚĞǆ/ŶƐƵƌĂŶĐĞĂŶĚůŝŵĂƚĞ ĂĐƟŽŶƉůĂŶƐĨŽƌƚŚĞƉƌŽũĞĐƚĂƐǁĞůůĂƐĂƐĞƉĂƌĂƚĞƐĞĐƟŽŶǁŝƚŚ Risk: Prospects for Development and Disaster Management,” ƚŚĞĞĚƵĐĂƟŽŶĂůŵĂƚĞƌŝĂůƐƵƐĞĚƚŽƐƵƉƉŽƌƚƚŚĞϮϬϭϬͬϮϬϭϭŝŶĚĞǆ /ŶƚĞƌŶĂƟŽŶĂůZĞƐĞĂƌĐŚ/ŶƐƟƚƵƚĞĨŽƌůŝŵĂƚĞĂŶĚ^ŽĐŝĞƚǇ;/Z/Ϳ͕ development process. ŽůƵŵďŝĂhŶŝǀĞƌƐŝƚǇ;ϮϬϬϵͿ͘ ͻ ,Z/d/Z/ZĞƉŽƌƚƚŽKǆĨĂŵŵĞƌŝĐĂ:ƵŶĞϮϬϭϬ͗ This prog Ͳ ͻ WĞƚĞƌ,ĂǌĞůů͕:ĂŵŝĞŶĚĞƌƐŽŶ͕EŝĞůƐĂůǌĞƌ͕ŶĚƌĞĂƐ,ĂƐƚƌƵƉ ress report is a formal deliverable by IRI to Oxfam America and ůĞŵŵĞŶƐĞŶ͕hůƌŝĐŚ,ĞƐƐ͕ĂŶĚ&ƌĂŶĐĞƐĐŽZŝƐƉŽůŝ͕͞WŽƚĞŶƟĂů presents an overview of the scalable index insurance product ĨŽƌ^ĐĂůĞĂŶĚ^ƵƐƚĂŝŶĂďŝůŝƚǇŝŶtĞĂƚŚĞƌ/ŶĚĞǆ/ŶƐƵƌĂŶĐĞĨŽƌ development process for the 2010 growing season. It explains ŐƌŝĐƵůƚƵƌĞĂŶĚZƵƌĂů>ŝǀĞůŝŚŽŽĚƐ͕͟/ŶƚĞƌŶĂƟŽŶĂů&ƵŶĚĨŽƌ ƚŚĞĞĐŽŶŽŵŝĐƌŝƐŬƐŝŵƵůĂƟŽŶŐĂŵĞƐĐŽŶĚƵĐƚĞĚǁŝƚŚĨĂƌŵĞƌƐƚŽ ŐƌŝĐƵůƚƵƌĂůĞǀĞůŽƉŵĞŶƚĂŶĚtŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞ;DĂƌĐŚ ƵŶĚĞƌƐƚĂŶĚƚŚĞŝƌƌŝƐŬͲŵĂŶĂŐĞŵĞŶƚĚĞĐŝƐŝŽŶƐͬƉƌĞĨĞƌĞŶĐĞƐĂŶĚ ϮϬϭϬͿ͘ also to educate them about index insurance packages. ͻ DĂƌũŽƌŝĞsŝĐƚŽƌƌĂŶƐ͕DŝůůŝŽŶdĂĚĞƐƐĞ͕ĂŶĚdĂŬĞƐŚŝdĂŬĂŵĂ͕ ͻ dĞĐŚŶŝĐĂůŶŶĞǆ͗,Z/d/Z/ZĞƉŽƌƚƚŽKǆĨĂŵŵĞƌŝĐĂ:ƵŶĞ ͞ŽŵŵƵŶŝƚǇͲĂƐĞĚ^ŽůƵƟŽŶƐƚŽůŝŵĂƚĞƌŝƐŝƐŝŶƚŚŝŽƉŝĂ͕͟ 2010: /Z/ŚĂƐďĞĞŶǁŽƌŬŝŶŐƚŽďƵŝůĚĂĨŽƌŵĂůƐƚĂƟƐƟĐĂů ůŝŵĂƚĞŚĂŶŐĞĚĂƉƚĂƟŽŶĂŶĚ/ŶƚĞƌŶĂƟŽŶĂůĞǀĞůŽƉŵĞŶƚ͗ ŵĞƚŚŽĚŽůŽŐǇƚŚĂƚǁŝůůƐǇƐƚĞŵĂƟĐĂůůǇĐŽŵƉĂƌĞĂŶĚŝŶƚĞŐƌĂƚĞ DĂŬŝŶŐĞǀĞůŽƉŵĞŶƚŽŽƉĞƌĂƟŽŶDŽƌĞīĞĐƟǀĞ ͕:/ZĞƐĞĂƌĐŚ ŝŶĨŽƌŵĂƟŽŶŽŶƌĞŵŽƚĞƐĞŶƐŝŶŐŽĨƌĂŝŶĨĂůů͕ŐƌŽƵŶĚͲďĂƐĞĚĚĂƚĂ /ŶƐƟƚƵƚĞ;ĞĐĞŵďĞƌϮϬϭϬͿ͘ measurements, and other data sets. This report presents preliminary analysis that focuses on Adi Ha—the pilot village— ŵŽĚĞůŝŶŐƌĂŝŶĨĂůůĂƚĮǀĞŶĞŝŐŚďŽƌŝŶŐƐŝƚĞƐ͕ǁŚĞƌĞĚĂŝůǇƌĂŝŶĨĂůů ^dKZ/^ ĂŵŽƵŶƚƐŚĂǀĞďĞĞŶƌĞĐŽƌĚĞĚĚƵƌŝŶŐĚŝīĞƌĞŶƚŝŶƚĞƌǀĂůƐĨŽƌĞĂĐŚ ͞ƚŚŝŽƉŝĂŶ&ĂƌŵĞƌƐ'ĞƚĂWĂǇŽƵƚ͕ĂƐŝŶŐīĞĐƚƐŽĨƌŽƵŐŚƚ͟ ƐŝƚĞŽǀĞƌƚŚĞĐŽƵƌƐĞŽĨĂϰϵͲǇĞĂƌƟŵĞƉĞƌŝŽĚ͕ĨƌŽŵϭϵϲϭƚŽϮϬϬϵ͘ ͞tŝƚŚ/ŶƐƵƌĂŶĐĞ͕>ŽĂŶƐ͕ĂŶĚŽŶĮĚĞŶĐĞ͕dŚŝƐƚŚŝŽƉŝĂŶ&ĂƌŵĞƌ This methodology is intended to be further developed and pack Ͳ Builds Her Resilience” ĂŐĞĚŝŶƚŽƚŽŽůƐĨŽƌĐŽŶƚƌĂĐƚĚĞƐŝŐŶĂŶĚĞǀĂůƵĂƟŽŶ͘ ͞/ŶEŽƌƚŚĞƌŶƚŚŝŽƉŝĂ͕tĞĂƚŚĞƌ/ŶƐƵƌĂŶĐĞKīĞƌƐĂƵīĞƌŐĂŝŶƐƚ ͻ HARITA IRI Report to Oxfam America October 2010: This prog Ͳ Drought” ress report is a formal deliverable by IRI to OA that summarizes ͞tĞĂƚŚĞƌ/ŶƐƵƌĂŶĐĞKīĞƌƐƚŚŝŽƉŝĂŶ&ĂƌŵĞƌƐ,ŽƉĞͶĞƐƉŝƚĞ ƚŚĞϮϬϭϭƐĐĂůŝŶŐƉƌŽĐĞƐƐĂŶĚƉƌĞƐĞŶƚƐƚŚĞĞĚƵĐĂƟŽŶŵĂƚĞƌŝĂůƐ Drought” developed to support the scaling process. ͞DĞĚŚŝŶZĞĚĂ͛ƐĞƐƚƐƐĞƚŝƐ,ĞƌKǁŶ,ĂƌĚtŽƌŬ͟ ͞'ĞďƌƵ<ĂŚƐĂǇZĞůŝĞƐŽŶZĂŝŶƵƚ,ĂƐƚŚĞ^ĞĐƵƌŝƚǇŽĨ/ŶƐƵƌĂŶĐĞ͟ Kd,ZZWKZd^ “Selas Samson Biru Faces Uncertainty with the Seasons” ͻ DŝůůŝŽŶdĂĚĞƐƐĞĂŶĚDĂƌũŽƌŝĞsŝĐƚŽƌ͕͞ƐƟŵĂƟŶŐƚŚĞĞŵĂŶĚ ĨŽƌDŝĐƌŽͲ/ŶƐƵƌĂŶĐĞŝŶƚŚŝŽƉŝĂ͕͟KǆĨĂŵŵĞƌŝĐĂ;ϮϬϬϵͿ͘ ƌĞƉŽƌƚĐŽŵŵŝƐƐŝŽŶĞĚďǇƚŚĞ/ŶƚĞƌŶĂƟŽŶĂů>ĂďŽƵƌKƌŐĂŶŝǌĂƟŽŶ s/K^ͬDh>d/D/ ĂŶĚhŶŝƚĞĚEĂƟŽŶƐĂƉŝƚĂůĞǀĞůŽƉŵĞŶƚ&ƵŶĚ͘ Africa’s Last Famine ͕ĂĚŽĐƵŵĞŶƚĂƌǇĐŽͲƉƌŽĚƵĐĞĚďǇKǆĨĂŵ ͻ tŽůĚĞĂďdĞƐŚŽŵĞ͕EŝĐŽůĞWĞƚĞƌƐŽŶ͕ƐƚĞƌ'ĞďƌĞŬŝƌƐƚŽƐ͕ĂŶĚ America and Link TV, featuring HARITA Karthikeyan Muniappan, “Microinsurance Demand Assessment in Zϰ͗dŚĞZƵƌĂůZĞƐŝůŝĞŶĐĞ/ŶŝƟĂƟǀĞ Ěŝ,Ă͟;ϮϬϬϴͿ͘ƐƚƵĚǇĐŽŵŵŝƐƐŝŽŶĞĚďǇKǆĨĂŵŵĞƌŝĐĂ͘ A Tiny Seed and a Big Idea ͻ EŝĐŽůĞWĞƚĞƌƐŽŶĂŶĚŽŶŶĞƌDƵůůĂůůǇ͕͞/ŶĚĞǆ/ŶƐƵƌĂŶĐĞ'ĂŵĞƐŝŶ A New Tool for Tackling Poverty Ěŝ,ĂsŝůůĂŐĞ͕dŝŐƌĂǇZĞŐŝŽŶĂů^ƚĂƚĞ͕ƚŚŝŽƉŝĂ͟;ϮϬϬϵͿ͘ƐƚƵĚǇ commissioned by Oxfam America. W,KdK'ZW,z ͻ EŝĐŽůĞWĞƚĞƌƐŽŶ͕͞>ŝǀĞůŝŚŽŽĚƐ͕ŽƉŝŶŐ͕ĂŶĚDŝĐƌŽŝŶƐƵƌĂŶĐĞŝŶ WƌŽũĞĐƚƉŚŽƚŽƐĂƌĞĂǀĂŝůĂďůĞƵƉŽŶƌĞƋƵĞƐƚ͘^ĞĞĞǆĂŵƉůĞƐŽĨƉŚŽƚŽƐ Ěŝ,Ă͕dŝŐƌĂǇ͕ƚŚŝŽƉŝĂ͟;ϮϬϬϵͿ͘ in the enclosed quarterly reports. ͻ dƵĨĂŝŶŬƵĞƚĂů͕͘͞ĞƐŝŐŶŝŶŐ/ŶĚĞǆͲĂƐĞĚtĞĂƚŚĞƌ/ŶƐƵƌĂŶĐĞĨŽƌ &ĂƌŵĞƌƐŝŶĚŝ,Ă͕ƚŚŝŽƉŝĂ͕͟/Z/;ϮϬϬϵͿ͘ZĞƉŽƌƚƚŽKǆĨĂŵŵĞƌŝĐĂ͘

R4 YhZdZ>zZWKZdͮWZ/>͵:hEϮϬϭϮ ϭϳ ŽůůĂďŽƌĂƟŽŶ dŚĞZϰZƵƌĂůZĞƐŝůŝĞŶĐĞ/ŶŝƟĂƟǀĞŝƐĂƐƚƌĂƚĞŐŝĐĐŽůůĂďŽƌĂƟŽŶ ďĞƚǁĞĞŶƚŚĞtŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞĂŶĚKǆĨĂŵŵĞƌŝĐĂ͕ǁŝƚŚ no commingling of funds. Each partner has its own sponsors ĂƐůŝƐƚĞĚ͘ZϰŝƐŝŶǀŝƟŶŐĚŽŶŽƌƐƚŽƐƵƉƉŽƌƚĞǆƉĂŶƐŝŽŶ͘

dŚĞtŽƌůĚ&ŽŽĚWƌŽŐƌĂŵŵĞŝƐƚŚĞ KǆĨĂŵŵĞƌŝĐĂŝƐĂŶŝŶƚĞƌŶĂƟŽŶĂůƌĞůŝĞĨ world’s largest humanitarian agency ĂŶĚĚĞǀĞůŽƉŵĞŶƚŽƌŐĂŶŝǌĂƟŽŶƚŚĂƚĐƌĞͲ ĮŐŚƟŶŐŚƵŶŐĞƌǁŽƌůĚǁŝĚĞ͘ĂĐŚǇĞĂƌ͕ŽŶ ĂƚĞƐůĂƐƟŶŐƐŽůƵƟŽŶƐƚŽƉŽǀĞƌƚǇ͕ŚƵŶŐĞƌ͕ ĂǀĞƌĂŐĞ͕t&WĨĞĞĚƐŵŽƌĞƚŚĂŶϵϬŵŝůůŝŽŶ ĂŶĚŝŶũƵƐƟĐĞ͕ǁŽƌŬŝŶŐǁŝƚŚŝŶĚŝǀŝĚƵĂůƐ people in more than 70 countries. and local groups in more than 90 coun Ͳ tries. Oxfam American does not receive ǁǁǁ͘ǁĨƉ͘ŽƌŐͬĚŝƐĂƐƚĞƌͲƌŝƐŬͲƌĞĚƵĐƟŽŶ funding from the US government. www.oxfamamerica.org/r4

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