通过数字技术培养农民的气候适应能力：Crop2Cash

The GSMA Innovation Fund forClimate Resilience and Adaptation CROP2CASH PROJECT OUTCOMESNOVEMBER 2022 - JULY 2024 The GSMA Innovation Fund grant for Crop2Cashhas helped smallholder farmers in Nigeria adaptto climate stressors and adopt climate-smartagricultural practices by unlocking advisory andfinancial services. 313.7kpeoplereached Country:Nigeria Sector:Agriculture Business model:B2C, B2B Resilience capacity:Climate adaptation,climate risk absorption 1,394 farmers accessingloansand insurance Digital channels:Marketplace, USSD, AI andIVR advisory services Problem addressed:Providing farmers in Nigeriawith access to agricultural advisory and financialservices $541k Stakeholders:Smallholder farmers Find out more:crop2cash.com.ng 97%of farmersusingCrop2Cash say it improvestheir access to informationon harvesting practices About Crop2Cash Crop2Cash supports farmers in northern Nigeriaimpacted by drought and other challenges causedby climate change. The solution enables them toadapt and build resilience through climate-smartagricultural advisory, financing and agriculturalinputs. The mission of Crop2Cash is to bridge the gapbetween smallholder farmers and financial institutionsby providing access to digital financial services. Byhelping farmers build their financial identity, Crop2Cashcontributes to the economic empowerment of ruralcommunities in northern Nigeria, enabling them tobecome more resilient to the effects of climate change.To date,Crop2Cashhas reached more than 500,000smallholder farmers and unlocked $2.8 million in credit,with farmers reporting a 70% increase in income. How does thesolution work? Introduction There are two main parts to the solution: Impacts of climate change onfarmers in Nigeria About the GSMA InnovationFund project Access to financial services anda digital marketplaceCrop2Cash connects smallholder farmers to1 Nigeria has experienced frequent and extendedperiods of drought and high temperatures causedby climate change. This is having a negative impacton food production. Northern Nigeria is particularlyaffected as most of the region suffers from periodsof severe drought. This is also where about 80% ofthe country’s maize production is concentrated –an important crop for food security1 as it accountsfor more than 50% of the country’s total grainconsumption and about 30% of daily caloric intake.2Northern Nigeria is also home to a large proportionof the country’s population living in poverty, andfarmers are highly vulnerable as they often lackaccess to data and information on how to adaptand build resilience to these risks. According tothe Poultry Association of Nigeria, in 2023, maizeprices in Nigeria reached a record high, with theaverage price per tonne exceeding N 480,000. Thisrepresents a more than 100% increase from theprevious year, with many experts pointing to extremeweather events, high input costs and pests anddiseases affecting maize crops.3 Crop2Cash is one of the startups supported bythe GSMA Innovation Fund for Climate Resilienceand Adaptation. This initiative is funded by the UKForeign, Commonwealth & Development Office(FCDO), the Swedish International DevelopmentCooperation Agency (Sida) and is supported by theGSMA and its members. financial services, strengthening their resilienceto climate change and providing access toagricultural inputs. Farmers can access loans andagricultural insurance through the Crop2Cashplatform, helping them improve their incomesand savings. Throughout the grant period, loansand insurance were provided to nearly 1,400farmers, with more than $540,000 in loansdisbursed. In total, Crop2Cash has reached morethan 500,000 farmers since 2018, unlocking$2.8 million in credit.4 The project spanned 20 months from November2022 to July 2024. With the support of the GSMAInnovation Fund, Crop2Cash: —Provided tailored SMS weather informationand advisory on best agricultural practices tosmallholder farmers—Provided access to input financing and weather-based insurance via USSD—Connected farmers to high-yielding drought-resistant seeds via USSD—Launched an AI-powered interactive voiceresponse (IVR) agricultural advisory service Weather information andagricultural advisoryThrough the Crop2Cash digital platform,2 farmers can access weather information andagricultural advisory. The advisory serviceis offered through in-person training, froman extension agent or through SMS. Duringthe grant period, Crop2Cash processed 50to 70 SMS advisories per farmer on average,depending on the season. In response to the extreme weather events in Nigeriain recent years, the government has taken proactivemeasures. Regional initiatives include the GreatGreen Wall, an effort to restore 100 million hectaresof land by 2030 across the Sahel, and domesticinitiatives include early warning informationon extreme weather events from the NigerianMeteorological Agency and AWARE, an earlywarning and action platform for flood resilience. AI-powered agricultura