Beyond Bang for the Buck: the Business Case for Financial Inclusion to Scale EbA Solutions in Philippine Coastal Communities

Beyond Bang for the Buck: the Business Case for Financial Inclusion to Scale EbA Solutions in Philippine Coastal Communities

In the small-scale fisheries (SSF) communities of Siargao, Philippines, a two-pronged financial strategy is helping bridge the gap between household resilience and local government budgeting for coastal conservation.  

The international conservation organization Rare, with support from the Global EbA Fund,  tested a combination of financial inclusion research—focused on tools like savings, insurance, and responsible credit—and a practical Excel-based budgeting model to help Local Government Units (LGUs) cost and plan for the Managed Access with Reserves (MA+R) environmental management system. The MA+R model is a proven rights-based approach to fisheries management that combines sustainable use of coastal natural resources with strict protection and ecosystem-based adaptation (EbA) measures.  

Together, these tools support long-term sustainability, empower communities, and enable LGUs to better integrate EbA into formal planning and budgeting cycles.