The Accelerating Financial Resilience and Insurance for Young African Women in Agrifood Systems (AFIYA) programme is a multi-country initiative funded by the Mastercard Foundation, targeting at least 378,000 vulnerable young women smallholder farmers and agri-preneurs across Kenya, Nigeria, and Senegal.

Climate change is systematically eroding the financial resilience of vulnerable populations — intensifying income volatility, restricting access to credit, and pushing young women, who play a critical yet disproportionately exposed role in agriculture, closer to ultra-poverty. AFIYA responds to this challenge by building a sustainable, gender-intentional agricultural insurance ecosystem anchored on five outcomes: expanded affordable insurance coverage; improved financial resilience to climate shocks; increased access to credit linked to insurance; accelerated adoption of climate-smart agriculture; and a strengthened insurance market ecosystem.

The programme will operate through existing Mastercard Foundation country programmes and trusted delivery channels including aggregators, cooperatives, insurtechs, financial service providers, and government extension structures embedding insurance and complementary financial services into the lived realities of young women across Africa’s agrifood systems