In southeast Colombia, small farmers' fields are suffering due to more frequent dry spells. While microcredit programs don't help directly, the money can finance climate change adaption measures. Often, just a few thousand euros will do. Such a sum could buy a septic tank that allows farmers to reuse water, or a biogas system that generates energy and heat, discouraging logging. Under the MEbA scheme, farmers also have to show they are protecting biodiversity with their measures. While the concept of microcredits isn't new, using the loans in this way is indeed innovative. The providers also tailor the loans to insure that farmers can pay them back.
A film by Holger Trzeczak