Oxfam

Drought is one of the main climate-related risks for poor and food-insecure farmers in Ethiopia. The R4 programme combines four tools for risk management and offers drought insurance in exchange for work on projects that improve food security and community-wide resilience.

Ethiopia’s Horn of Africa Risk Transfer for Adaptation (HARITA) program – recently renamed the R4 Rural Resilience Initiative – is an innovative model of how demand-based disaster micro-insurance for the poor can be integrated into a social safety net (SSN) program, enhancing both its climate-related and social protection benefits. HARITA/R4 offers weather based insurance to a chronically poor, highly climate-vulnerable population in the Tigray region of Ethiopia.