Karan Narayan serves with UNCDF's Pacific Insurance and Climate Adaptation Programme (PICAP). PICAP's main objective is to provide swift financial relief to the most vulnerable following a natural disaster. This pilot initiative targets agriculture, fisheries, retail and tourism, with a special focus on women, youth, migrants, as well as micro, small and medium-sized enterprises.

Sri Lanka is identified as one of the major hotspots of climate change (according to a report by the World Bank, a hotspot is a location where changes in average weather affects the living standards negatively). Some 4 million people in the country are projected to be severely affected by 2020, thus it is imperative to know exactly how and how disastrous the consequences of this threat will be. 1.       Agriculture and Agricultural Productivity

Many communities in Zimbabwe continue to suffer from unprecedented impacts of climate change and climate variability, with the impact felt harshest by the most vulnerable poor communities. From October 2015 to February 2016, for example, the country received less than 60 per cent of its long-term average rainfall, which proved to be the driest rainy season in the last 35 years. This change in climate has ravished the expected harvests and pushed many Zimbabweans into poverty and food insecurity.