Climate Change, Disasters, and Gender-Based Violence: An Overview of Bangladesh’s Policies Status

In recent years, the frequency and intensity of natural disasters have increased due to climate change. While climate change poses one of the biggest threats to humanity, its impacts are not felt equally across all populations. Climate change exacerbates structural inequalities, including existing gender discrimination and disparities between men and women, particularly in developing countries.

Women and girls are among the most vulnerable groups during and after natural disasters. According to UN Environment Worldwide, 80% of people displaced by climate change are women. As the frequency of these disasters increases, so do the physical and socioeconomic vulnerabilities of women and girls, including the risk of gender-based violence. The heightened risks of gender-based violence women and girls face during and after natural disasters take many forms, including domestic violence, physical violence, sexual exploitation and abuse, child marriage, and trafficking.

In Bangladesh, 71% of women experienced increased abuse during natural disasters such as floods, compared to what they faced beforehand, with 52.3% of them enduring physical violence according to a study conducted by ActionAid, in 2007. Furthermore, gender-based violence surged by 65% in the areas affected by Cyclone Amphan (UN Women, 2020).

Global research indicates that women are particularly vulnerable to sexual abuse and violence during rescue and rehabilitation activities. For instance, women in refugee camps fear sexual assault, and in extreme situations, sexual abuse and rape occur in shelters. In cyclone shelters, women often refrain from seeking assistance due to fear of assault. Overcrowded conditions with inadequate personal space and sanitation facilities exacerbate these issues, leaving women without menstrual hygiene facilities, worsening reproductive health, and at risk of sexual harassment, especially when using toilets at night.

In addition to immediate effects, natural disasters have long-term repercussions that influence gender-based violence. For example, the loss of income can lead to frustration among men, resulting in physical assaults on their wives.

Climate challenges faced by families in rural Bangladesh act as a push factor for child marriage (Human Rights Watch, 2014). Child marriage rates rise due to school closures and economic insecurity during and after natural disasters. Parents often marry off their daughters at an early age to protect them from harm amid the stress of natural disasters. Early marriage puts young girls at high risk of gender-based violence from their husbands and in-laws.

Natural disasters also heighten the risk of human trafficking. According to UNOCD in Bangladesh, incidents of human trafficking increased in districts affected by Cyclone Sidr in 2007. Similarly, human trafficking surged in Nepal after the 1990 earthquake.

Since 1973, 5th June has been celebrated as World Environment Day, led by the UN Environment Programme, to drive action on environmental issues. I believe we must take this day as an opportunity to raise awareness and promote action on the impact of climate change on women, highlighting the gender-based violence women and girls face during and after natural disasters.

In Bangladesh, there is no specific policy focused on protecting women from violence during or after disasters or in combating climate change. However, given the mounting evidence of the gendered impact of climate change, we must try to draw the government’s attention to this issue. Local-level policy implementation authorities need to be reminded of existing policies aimed at protecting women and girls from gender-based violence.

When Do Smallholder Farmers Prefer to Be Paid for Their Crop Losses?

Traditional crop insurance policies compensate farmers for losses at some point after the end of an insured agricultural season. Farmers may receive compensation well after their harvest or sales of produce and may not be aware of whether and when to expect payouts. This feature reduces the effectiveness of insurance in two ways. Firstly, farmers may not receive payouts when they most need them to recover from losses, smooth consumption, or plan future expenses. Secondly, the gap between paying premiums and receiving potential payouts might seem too long or uncertain to appeal to impatient farmers—thereby lowering demand for crop insurance. In our research under the WEE-DiFine Initiative, we ask whether smallholder farmers might prefer a crop insurance policy that can pay compensation in smaller installments earlier and on a more certain timeline. We test whether such a policy could be particularly appealing and beneficial to women, who may have different preferences for the use of insurance compensation and may have greater bargaining power over smaller installments of money.

Champion farmers distributing "TimelyPay insurance" in Nakuru county, Eastern Kenya

We work with ACRE Africa, a microinsurance service provider in Kenya, to modify their crop index insurance policy and introduce flexibility in compensation timelines. The standard policy collects premiums ahead of the start of the season and compensates farmers roughly 3-20 weeks after harvest. This policy assesses crop losses in four distinct chronological stages through the season – germination, vegetative, flowering, and maturity – each accounting for a share of the total payout. The exact share and timing of each stage varies from crop to crop, and the losses in each stage are cumulated at the end of the season to determine the final payout. Premiums and payouts are transacted through mobile money (M-Pesa) and USSD and SMS is used to keep farmers updated on their insurance.

Our innovation, which we refer to as “Timely Pay Insurance”, tweaks this policy to allow farmers to choose whether to receive the total compensation in bulk at the end of the season as usual, or receive compensation in parts at the end of assessed stages during the season or after the season on a predetermined schedule. In our pilot study, we collect data on farmers’ preferred payment schedule and their willingness to pay for these innovative features.

To market “Timely Pay Insurance”, we engaged ACRE Africa’s network of champion farmers, who service fellow farmers in their neighbouring villages. We developed a method through which champions could effectively communicate the unique features of “Timely Pay Insurance” and collect data on preferences from smallholders with varying levels of education, experience with insurance, and fluency in common language (Swahili). We came up with a simple tactile method using a table (printed onto a laminated sheet) and game pieces (sometimes substituted on the field with materials available on hand, such as pea pods or coins) to explain the concept of payout installments and to allow farmers to allocate them across different stages. We provided farmers the choice of receiving the payout in up to 4 installments over 6 months covering the Short Rains season in Kenya from October 2023 to March 2024. The table therefore displayed 6 boxes representing each month and farmers were handed 4 game pieces representing the payout installments.

Once farmers were provided an explanation about insurance, farmers were instructed to place the game pieces on the table to indicate when and what share of the payout they wanted to be paid in each of the 6 months. They were reminded of the constraint that they could only receive the share for which losses would already have been assessed, i.e a maximum of 1 (of 4 stages) in the first month, 2 by the second, and 3 by the third onward. The data was entered by champions into a simple Computer-Assisted Personal Interview (CAPI) software which contained checks and balances that ensured that the constraints were met.

This method was met with great success in the field and we observed a wide variation in farmers choices that we are excited to analyse and share. Leah, a champion farmer in Nakuru county shares that “the exercise made it easy for farmers to visualize their choices and think carefully about when they needed the money.”

Our preliminary outcomes show there is significant demand among smallholder farmers, both men and women, for early and precisely timed payouts from crop insurance. We find that the women are more likely to prefer receiving staggered payouts with installments in later months. As we finish analyzing the full results, we are excited to quantify farmers’ preferences and willingness to pay for flexible compensation schedules. Stay tuned for our complete findings and their implications for making crop insurance work better for vulnerable farming communities.

Farmer placing pieces to indicate their preferred payment schedule in Nakuru county, Eastern Kenya

Note: Consent received for use of pictures. Pictures taken by Samyuktha Kannan, Wageningen University