In development discussions, resilience to climate change is often framed in defensive and reactive terms, focusing on top-down measures that treat individuals as passive victims unable to anticipate or protect themselves from shocks. This report addresses a critical aspect that this narrow approach overlooks: the capacity of firms, farms, and households to prepare for, recover from, and adapt to disruptions. True resilience is about enabling people to take proactive measures--preparing for disruptions, recovering from shocks, and adapting to changing circumstances. However, this requires access to the right tools and resources, such as financial means, actionable information, insurance, and credit. When these are lacking, communities are left vulnerable. This report proposes policies that can help bridge this gap. Addressing this challenge requires a change in perspective: moving from reactive defense to proactive empowerment. This approach recognizes people as agents of change, capable of anticipating risks and acting on them when provided with the necessary tools. With adequate resources and better access to climate and weather information, individuals can assess risks, make informed decisions, and seize opportunities to invest in new skills, expand businesses, or relocate to safer environments offering better prospects.

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The World Bank came into formal existence in 1945 following the international ratification of the Bretton Woods agreements. It is a vital source of financial and technical assistance to developing countries around the world. The organization's activities are focused on education, health, agriculture and rural development, environmental protection, establishing and enforcing regulations, infrastructure development, governance and legal institutions development. The World Bank is made up of two unique development institutions owned by its 185 Member Countries. The International Bank for Reconstruction and Development (IBRD) focuses on middle income and creditworthy poor countries and the International Development Association (IDA), which focuses on the poorest countries in the world.

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