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The much-trumpeted Green Climate Fund and several other official financial mechanisms for financing adaptation to climate change under the UN Framework Convention on Climate Change have fallen short in meeting adaptation needs. Many poorer people are still grappling with the scourge of climate change impacts. Consequently, there has been a dominant research focus on climate change financing emanating from official development assistance (ODA), Adaptation Fund, public expenditure and private sector support. However, there has been little attempt to examine how migrants’ remittances can close adaptation financing gaps at the local level, ostensibly creating a large research gap. This paper aims to argue that migrants’ remittances provide a unique complementary opportunity for financing adaptation and have a wider impact on those who are extremely vulnerable to climate change.

The paper is aligned to the qualitative research approach. Both secondary and primary data acquired through interviews and focus group discussions were used for the study. Multiple sampling methods were also used to select the respondents.

The findings show that remittances are used to finance both incremental costs of households’ infrastructure and consumption needs, as well as additional investment needs to be occasioned by ongoing or expected changes in climate.

In the wake of dwindling government/public revenue, ODA and poor commitment of Annex II countries to fulfil their financial obligations, the study makes the following recommendations: First, the financial infrastructure underpinning money transfers in both sending and recipient countries should be improved to make transfers attractive. Second, significant steps should be taken to reduce the fees on remittance services, especially for the small transfers typically made by poor migrants. Finally, adequate climatic information should be made available to local people to ensure that remittances are applied to the right adaptation option to avoid maladaptation.

This paper aims to provide empirical evidence on the El Nino and its effects on maize production in three municipalities: Ejura, Techiman and Wenchi in the transitional zone of Ghana. Using a mixed approach, the study details the effects of the El Nino on rainy season characteristics, particularly, rainfall amounts and distribution, onset and cessation of rains, duration of the rainy season and total seasonal rainfall and how it impacted smallholder maize production.

The study used a mixed method approach in collecting and analyzing data. For stronger evidence building, (Creswell, 2013) the authors combined interviews and focus group discussions (FGD) to collect the qualitative data. Semi-structured questionnaires were administered to extension officers, management information system officers and other relevant personnel of the Ministry of Agriculture in the three municipalities. Six FGD’s were held for maize farmers in six communities in all three municipalities.

The study shows that the 2015 El Nino had dire consequences on farm yields, subsequently affecting farmer’s incomes and livelihoods. The study further finds that complex socio-cultural factors, some unrelated to the El Nino, aggravated the effects on maize farmers. These include the lack of adequate climatic information, predominance of rain-fed farming, a lack of capacity to adapt and existing levels of poverty.

The study recommends inter alia, appropriate use of seasonal rainfall forecasting to enhance better farming decision-making and the development of elaborate climate variability interventions by national and local agencies.