Smallholder farmers have long been denied access to formal credit, largely because of the high administrative fees associated with loans. A possible solution to this problem, which has become increasingly popular, is the use of microcredit financing, where innovative means of securing the loans,...

The IPCC recognises Africa as a whole to be “one of the most vulnerable continents to climate variability and change because of multiple stresses and low adaptive capacity. Climate change is likely to exacerbate the dry conditions already experienced in southern Africa. And when rainfall does...