Agricultural Sciences: Techniques and Innovations Vol. 10

Climate change has emerged as a major threat to agribusiness systems, particularly in developing economies where agriculture is highly climate-sensitive. The increasing frequency of droughts, erratic rainfall and temperature variability has intensified production risks, income instability and financial vulnerability among farmers and agribusiness stakeholders. This chapter examines the role of financial inclusion in enhancing climate resilience through insurance, credit and investment models. Using a structured dataset of 100 farmers and agribusiness stakeholders, the study applies descriptive statistics, regression analysis and hypothesis testing to assess the relationship between financial inclusion and agribusiness resilience. The findings show that financial inclusion significantly improves agribusiness resilience, with insurance emerging as the most influential factor in mitigating climate risks. Credit facilitates the adoption of climate-smart technologies, while investment contributes to long-term sustainability. The results underline the importance of integrated financial systems in reducing climate-related vulnerability and promoting sustainable agribusiness development. From a policy perspective, the findings emphasise the need for governments and financial institutions to adopt inclusive financial strategies tailored to agricultural needs. In conclusion, financial inclusion is not merely a tool for economic development but a strategic enabler of climate resilience and sustainable agribusiness transformation. Future efforts should focus on improving the scalability, accessibility and effectiveness of these financial solutions to strengthen a resilient and inclusive agricultural system.