 We are located in rural India and I'm speaking about the Marathwada region in Maharashtra, Western India, SSP has worked to empower grassroots women's collectives to be part of mainstream local economies and to tackle issues around agriculture, food security, livelihoods and enterprise and improve the well-being of their families through health and nutrition initiatives as well, impacting more than 200,000 women who are in the forefront as farmers and entrepreneurs and leaders. The Community Resilience Fund, which I'm going to speak about, really evolved as an innovative, flexible financial mechanism that women from these groups could draw upon as in when is needed to implement innovations in agriculture, livelihoods, and to protect natural resources. So what's unique about our approach is that poor women who have never been considered as farmers are looked at as agriculture decision makers and this spills over to their families and communities. Women who handle the Resilience Fund have really shifted their view as not only farmers but as planners and experts in local adaptation in the climate heat regions. So they have been able to leverage funds from the government, banks and very recently to tackle the climate and co-address that they faced in their communities and build sustainable community networks which work in collaboration with the government. The Community Resilience Fund locally is managed at two levels, one at the rural community level where women within a self-help group or savings and credit group actually evaluate what they need according to the seasons in each of the districts. The Federation needs to decide which group would get the loans and they educate the group on how the loan really works. So the decisions are taken entirely by the Federation leaders and the fund managers. So the fund is flexible enough to recognize that groups could make mistakes they could fail and the fund would support them to try again and succeed. When the local governments notice that women are actually solving problems they are the problem solvers issues which the local government is responsible for. This has often resulted in the women leaders involved in the fund being included as part of decision-making in their communities and made the distribution of resources much more equitable. As a result it seemed that often the most vulnerable households in these communities who often are not part of community decision mechanisms had started being included in community workshops and meetings which are attended by the local officials. And their voices can be heard quite clearly now through the resilience fund we had invested in women's capacities and their leadership and on the other hand they were able to demonstrate that they could handle finance in very transparent and accountable ways and these leaders were called upon through citizen meetings to be elected in their communities. The first recommendation that I would have for policy makers around the call is to start walking the talk on climate finance unless there is money in the hands of the most vulnerable it is not possible that these women's groups can demonstrate what they know already. My second recommendation would be to include women's collectives as key stakeholders as partners on the table when climate adaptation is discussed. The third most important recommendation is that if we want climate adaptation to be socially inclusive we need to first include women from these groups from the vulnerable households empower them with resources and funds and then witness the transformative change that they are able to bring.