Agricultural risks—particularly those associated with drought—are a major contributor to low agricultural productivity in sub-Saharan Africa. New production technologies, such as better seeds or machinery, provide one avenue to increase productivity and improve farm incomes in the face of climate change. Yet small-scale producers lack sufficient access to credit to purchase these technologies, either because they do not have the required collateral, or because the interest rate of the credit is too high due to information asymmetries in the prevailing underdeveloped insurance markets. Hence, a fundamental problem is how to provide farmers with greater access to credit while at the same time minimizing weather-related risks and loan default risks.