{"id":5037,"date":"2025-05-20T15:39:39","date_gmt":"2025-05-20T13:39:39","guid":{"rendered":"https:\/\/advansinternational.com\/?post_type=insights&#038;p=5037"},"modified":"2026-02-25T11:08:47","modified_gmt":"2026-02-25T10:08:47","slug":"climate-change-resilience-of-tunisian-farmers","status":"publish","type":"insights","link":"https:\/\/advansinternational.com\/en\/insights\/climate-change-resilience-of-tunisian-farmers\/","title":{"rendered":"Climate change: Resilience of Tunisian farmers"},"content":{"rendered":"\n    <div id=\"\" class=\"IArticle-block-main-saip\">\n        <div class=\"container\">\n            <div class=\"row\">\n                <div class=\"col-lg-12 col-md-12 col-sm-12 col-12 IArticle-block-in-saip\">\n                    <div class=\"container-1130\">\n                        <div class=\"IArticle-info-text-saip\">\n                            <p data-start=\"40\" data-end=\"363\"><em><span class=\"TextRun SCXW92261549 BCX8\" lang=\"FR-FR\" xml:lang=\"FR-FR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW92261549 BCX8\"><span class=\"TextRun SCXW81686682 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW81686682 BCX8\">Between September and October 2024, <\/span><span class=\"NormalTextRun SpellingErrorV2Themed SCXW81686682 BCX8\">Advans<\/span><span class=\"NormalTextRun SCXW81686682 BCX8\"> Tunisia conducted a second survey in partnership with 60_decibels to assess the impact of its services on farmer customers. Carried out with the support of SCBF, the study gathered responses from 280 participants, 5% of whom <\/span><span class=\"NormalTextRun CommentStart SCXW81686682 BCX8\">were women.<\/span><\/span><span class=\"EOP SCXW81686682 BCX8\" data-ccp-props=\"{&quot;134245417&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">\u00a0<\/span>.<\/span><\/span><\/em><\/p>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n\n    <div id=\"\" class=\"IArticle-block-main-saip\">\n        <div class=\"container\">\n            <div class=\"row\">\n                <div class=\"col-lg-12 col-md-12 col-sm-12 col-12 IArticle-block-in-saip\">\n                    <div class=\"container-1130\">\n                        <div class=\"IArticle-info-text-saip\">\n                            <p><b><span data-contrast=\"auto\">Farmers have been able to increase their income and improve their quality of life thanks to Advans<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Advans Tunisie&#8217;s agricultural loans have a proven <a href=\"https:\/\/advansinternational.com\/en\/our-impact\/#Measuring-Impact\">impact on the growth<\/a> of the agricultural activities they finance. 80% of farmers surveyed have increased their income since joining Advans, 37% of them significantly. Among clients who have been able to increase their income, 39% have increased the number of livestock and 20% have been able to invest in new land. Advans Tunisie also has a strong impact on the quality of life of the farmers it finances, with 70% of its farmer clients reporting an improved quality of life. This improvement mainly translates into better access to healthcare (39% increased their spending, including 14% by a lot) and education for their children (43% increased their spending). By facilitating access to financial services tailored to farmers&#8217; specific needs, Advans contributes to improving their general well-being, while supporting their personal and professional development.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n\n\n    <div id=\"\" class=\"testimony-block-main-hp bg-grey\">\n        <div class=\"container\">\n            <div class=\"row\">\n                <div class=\"col-lg-12 col-md-12 col-sm-12 col-12 testimony-block-in-hp\">\n                    <div class=\"row\">\n                        <div class=\"container-1130\">\n                            <div class=\"testimony-slider-main-hp\"\n                                 id=\"testimony_slider_hp\">\n                                                                                                            <div class=\"testimony-info-main-hp \">\n                                                                                            <div class=\"testimony-info-img-hp\">\n                                                                                                            <img decoding=\"async\" src=\"https:\/\/advansinternational.com\/wp-content\/uploads\/2025\/05\/Untitled-design-29.jpg\"\n                                                             alt=\"\">\n                                                                                                                                                        <\/div>\n                                                                                                                                        <div class=\"testimony-info-text-hp\">\n                                                    <div class=\"testimony-text-quote-hp\">\u201c<\/div>\n                                                    <div class=\"testimony-text-in-hp\">\n                                                                                                                    <p><em><span class=\"NormalTextRun SCXW157332499 BCX8\">The loan enabled us to <\/span><span class=\"NormalTextRun SCXW157332499 BCX8\">purchase equipment for <\/span><span class=\"NormalTextRun SCXW157332499 BCX8\">our greenhouses <\/span><span class=\"NormalTextRun SCXW157332499 BCX8\">and make investments in<\/span><span class=\"NormalTextRun SCXW157332499 BCX8\"> a stable irrigation system, quality fertilizers, seeds and medicines<\/span><span class=\"NormalTextRun SCXW157332499 BCX8\"> (for animals)<\/span><span class=\"NormalTextRun SCXW157332499 BCX8\">.<\/span><span class=\"NormalTextRun SCXW157332499 BCX8\"> None of this would have been possible without the loan, and we are <\/span><span class=\"NormalTextRun SCXW157332499 BCX8\">very grateful<\/span><span class=\"NormalTextRun SCXW157332499 BCX8\"> to have received it.<\/span><\/em><\/p>\n                                                                                                                                                                            <p class=\"testimony-text-name-hp\">Male Client, 65 years old, Advans Tunisie <\/p>\n                                                                                                                                                                                                                            <\/div>\n                                                <\/div>\n                                                                                    <\/div>\n                                                                                                <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"video-modal-main-hp modal fade\" id=\"testimony_video\" tabindex=\"-1\" aria-labelledby=\"exampleModalLabel\"\n         aria-hidden=\"true\">\n        <div class=\"video-modal-close-hp\">\n            <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                <span aria-hidden=\"true\"><img decoding=\"async\"\n                            src=\"https:\/\/advansinternational.com\/wp-content\/themes\/advans\/assets\/images\/close_icon_white_hp.svg\" alt=\"\"> Close<\/span>\n            <\/button>\n        <\/div>\n        <div class=\"modal-dialog modal-dialog-centered\">\n            <div class=\"modal-content\">\n                <div class=\"modal-body\">\n                    <iframe loading=\"lazy\" width=\"100%\" height=\"100%\" src=\"\" id=\"video\" frameborder=\"0\"\n                            allow=\"autoplay; encrypted-media\" allowfullscreen><\/iframe>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n    <div id=\"\" class=\"map-block-main-hp\">\n        <div class=\"container\">\n            <div class=\"row\">\n                <div class=\"col-lg-12 col-md-12 col-sm-12 col-12 map-block-in-hp\">\n                    <div class=\"row\">\n                        <div class=\"container-1130\">\n                            <div class=\"map-box-hp\">\n                                                                    <div class=\"col-lg-7 col-md-7 col-sm-12 col-12 map-box-info-hp\">\n                                        <p><b><span data-contrast=\"auto\">Advans Tunisie also has a strong impact on farmers&#8217; climate resilience<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Tunisian farmers are often faced with major challenges linked to the seasonal nature of their business and climate variability. Our loans enable them not only to increase their production, with 83% of farmers reporting a noticeable improvement (42% with a significant improvement), but also to diversify, with 34% of customers having been able to diversify their farming activities thanks to the loan. This diversification, which can involve the planting of new crops (23%), planting trees (7%) or buying livestock (4%), is essential to strengthening farmers\u2019 resilience in the face of difficult climatic conditions and unforeseen events, offering them diverse sources of income and increased ability to cope with market fluctuations. These efforts are part of a wider movement to improve <strong data-start=\"3286\" data-end=\"3325\">financing climate change adaptation<\/strong> across the continent. Indeed, 59% of farmers surveyed said they felt better prepared for climate challenges thanks to Advans. Some customers, for example, were able to find fodder storage solutions for their livestock (33%) or invest in irrigation systems (30%). This ability to adapt is crucial, given that today, 28% of Advans Tunisie\u2019s customers are vulnerable to climate change, most of them in the agricultural sector.<\/span><i><span data-contrast=\"auto\">\u00a0<\/span><\/i><span data-ccp-props=\"{&quot;134245417&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n                                        <div class=\"myapp-download-box-hp\">\n                                                                                                                                <\/div>\n                                    <\/div>\n                                                                                                    <div class=\"col-lg-5 col-md-5 col-sm-12 col-12 map-box-img-hp\">\n                                        <div class=\"map-box-img-in-hp\">\n                                            <img decoding=\"async\" src=\"https:\/\/advansinternational.com\/wp-content\/uploads\/2025\/06\/Image11.png\" alt=\"\" \/>\n                                        <\/div>\n                                    <\/div>\n                                                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n    <div id=\"\" class=\"testimony-block-main-hp bg-grey\">\n        <div class=\"container\">\n            <div class=\"row\">\n                <div class=\"col-lg-12 col-md-12 col-sm-12 col-12 testimony-block-in-hp\">\n                    <div class=\"row\">\n                        <div class=\"container-1130\">\n                            <div class=\"testimony-slider-main-hp\"\n                                 id=\"testimony_slider_hp\">\n                                                                                                            <div class=\"testimony-info-main-hp full-width-text\">\n                                                                                                                                        <div class=\"testimony-info-text-hp\">\n                                                    <div class=\"testimony-text-quote-hp\">\u201c<\/div>\n                                                    <div class=\"testimony-text-in-hp\">\n                                                                                                                    <p><em><span class=\"TextRun SCXW208532219 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW208532219 BCX8\">I like the fact that the payments are flexible; we pay higher amounts during harvest time and smaller payments the rest of the year.<\/span><\/span><\/em><\/p>\n                                                                                                                                                                            <p class=\"testimony-text-name-hp\">Male Client, 43 years old, Advans Tunisie <\/p>\n                                                                                                                                                                                                                            <\/div>\n                                                <\/div>\n                                                                                    <\/div>\n                                                                                                <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n    <div class=\"video-modal-main-hp modal fade\" id=\"testimony_video\" tabindex=\"-1\" aria-labelledby=\"exampleModalLabel\"\n         aria-hidden=\"true\">\n        <div class=\"video-modal-close-hp\">\n            <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                <span aria-hidden=\"true\"><img decoding=\"async\"\n                            src=\"https:\/\/advansinternational.com\/wp-content\/themes\/advans\/assets\/images\/close_icon_white_hp.svg\" alt=\"\"> Close<\/span>\n            <\/button>\n        <\/div>\n        <div class=\"modal-dialog modal-dialog-centered\">\n            <div class=\"modal-content\">\n                <div class=\"modal-body\">\n                    <iframe loading=\"lazy\" width=\"100%\" height=\"100%\" src=\"\" id=\"video\" frameborder=\"0\"\n                            allow=\"autoplay; encrypted-media\" allowfullscreen><\/iframe>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n    <div id=\"\" class=\"IArticle-block-main-saip\">\n        <div class=\"container\">\n            <div class=\"row\">\n                <div class=\"col-lg-12 col-md-12 col-sm-12 col-12 IArticle-block-in-saip\">\n                    <div class=\"container-1130\">\n                        <div class=\"IArticle-info-text-saip\">\n                            <p><b><span data-contrast=\"auto\">Advans will continue to support farmers with flexible products<\/span><\/b><span data-ccp-props=\"{&quot;134245417&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The study showed that the flexible repayment schedule offered to farmers at Advans Tunisia is highly appreciated by customers and that impact is higher for customers who benefit from this system. 50% of farmers with a flexible repayment schedule said that their ability to repay their credit had greatly improved, and 35% said that it had improved. This shows the importance of offering solutions tailored specifically to farmers&#8217; needs. Product adaptation will become increasingly important as vulnerability to climatic hazards increases, jeopardizing the stability of farmers&#8217; incomes. Advans Tunisia&#8217;s ambitious <\/span><a href=\"https:\/\/advansinternational.com\/en\/insights\/growing-climate-risk-in-africa-how-can-financial-inclusion-help\/\"><span data-contrast=\"none\">climate strategy<\/span><\/a><span data-contrast=\"auto\"> aims to better serve farmers and help them find solutions to better anticipate and manage climate risks, to secure their activity over the long term. The company is currently working on the introduction of green products and the development of awareness-raising campaigns for this target group. This approach is fully in line with the Advans Group&#8217;s ambition to develop sustainable solutions to support agriculture, which is an essential sector for a sustainable future, and <\/span><b><span data-contrast=\"auto\">finance climate change adaptation<\/span><\/b><span data-contrast=\"auto\">, while responding to the growing challenges facing the sectors.<\/span><span data-ccp-props=\"{&quot;134245417&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/advansinternational.com\/en\/insights\/driving-best-standards-in-client-protection\/\">To learn more, discover how Advans promotes the highest standards in customer protection.<\/a><\/p>\n<p>&nbsp;<\/p>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n\n    <div id=\"\"\n         class=\"simulator-block-main-hp simulator-w-img-block-main-hp image-text-button bg-white\">\n        <div class=\"container\">\n            <div class=\"row\">\n                <div class=\"col-lg-12 col-md-12 col-sm-12 col-12 simulator-block-in-hp\">\n                    <div class=\"row\">\n                        <div class=\"container-1130\">\n                            <div class=\"simulator-box-main-hp\">\n                                                                    <div class=\"simulator-box-icon-hp\">\n                                        <img decoding=\"async\" src=\"https:\/\/advansinternational.com\/wp-content\/uploads\/2025\/02\/bn_img81.png\" alt=\"\" width=\"432\" height=\"444\">\n                                    <\/div>\n                                                                <div class=\"simulator-info-hp\">\n                                                                            <p><a class=\"Hyperlink SCXW5755955 BCX8\" href=\"https:\/\/www.scbf.ch\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW5755955 BCX8\" lang=\"FR-FR\" xml:lang=\"FR-FR\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW5755955 BCX8\" data-ccp-charstyle=\"Hyperlink\">S<\/span><\/span><\/a><a class=\"Hyperlink SCXW210694384 BCX8\" href=\"https:\/\/www.scbf.ch\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW210694384 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW210694384 BCX8\" data-ccp-charstyle=\"Hyperlink\">CBF<\/span><\/span><\/a><span class=\"TextRun SCXW210694384 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW210694384 BCX8\"> supported the 60_decibels impact study on farmers in Tunisia. SCBF was launched in April 2011 as a public-private platform between the Swiss private sector and the Swiss Agency for Development and Cooperation (SDC) to promote financial inclusion in developing and emerging economies. Agriculture is a key pillar of the SCBF strategy, which aims to: enable <\/span><span class=\"NormalTextRun SCXW210694384 BCX8\">equitable<\/span><span class=\"NormalTextRun SCXW210694384 BCX8\"> access to agricultural financing solutions, <\/span><span class=\"NormalTextRun SCXW210694384 BCX8\">markets<\/span><span class=\"NormalTextRun SCXW210694384 BCX8\"> and resources; strengthen stakeholders in the agricultural ecosystem to be more resilient to climate shocks and promote the adoption of resilient agricultural practices<\/span><span class=\"NormalTextRun SCXW210694384 BCX8\"> (SDG 13 \u2013 Climate action).<\/span><\/span><\/p>\n                                                                                                        <\/div>\n                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n\n \n\n    <div id=\"\" class=\"IArticle-block-main-saip\">\n        <div class=\"container\">\n            <div class=\"row\">\n                <div class=\"col-lg-12 col-md-12 col-sm-12 col-12 IArticle-block-in-saip\">\n                    <div class=\"container-1130\">\n                        <div class=\"author-box-main-saip author-darkbg-saip\">\n                            <div class=\"author-box-in-saip\">\n                                                                    <div class=\"author-box-img-saip\">\n                                        <img decoding=\"async\" src=\"https:\/\/secure.gravatar.com\/avatar\/ae9a3ae329569aeb91d6243aee3f17bc0eb214331db55f69da098beadf716f7f?s=120&#038;d=mm&#038;r=g\" alt=\"\">\n                                    <\/div>\n                                                                <div class=\"author-box-text-saip\">\n                                                                            <h5><strong>abatchousamnga<\/strong><\/h5>\n                                                                                                                                            <\/div>\n                                                            <\/div>\n                        <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n\n\n \n   \n    <div id=\"\" class=\"IArticle-block-main-saip\">\n        <div class=\"container\">\n            <div class=\"row\">\n                <div class=\"col-lg-12 col-md-12 col-sm-12 col-12 IArticle-block-in-saip\">\n                    <div class=\"container-1130\">\n                        <div class=\"IArticle-FAQ-block-main-saip\">\n                                                            <div class=\"IArticle-FAQ-title-saip\">\n                                    <h2>FAQ<\/h2>\n                                <\/div>\n                                                         \n                                <div class=\"IA-FAQ-box-saip\">\n                                    <div class=\"accordion\" id=\"accordionExample\">\n                                                                                                                                    <div class=\"card\">\n                                                    <div class=\"card-header\" id=\"faq_heading0\">\n                                                        <a href=\"#\" class=\"collapsed\" data-toggle=\"collapse\" data-target=\"#faq_collapse0\" aria-expanded=\"false\" aria-controls=\"faq_collapse0\">\n                                                            What role does 60 Decibels play in social impact measurement and in supporting companies and investors?                                                         <\/a>\n                                                    <\/div>\n                                                    <div id=\"faq_collapse0\" class=\"collapse\" aria-labelledby=\"faq_heading0\" data-parent=\"#accordionExample\">\n                                                                                                                    <div class=\"faq-card-body-saip\">\n                                                                <p><span class=\"NormalTextRun SCXW99747543 BCX8\">60_decibels is a specialist in social impact measurement. 60_decibels helps companies, <\/span><span class=\"NormalTextRun SCXW99747543 BCX8\">investors<\/span><span class=\"NormalTextRun SCXW99747543 BCX8\"> and organizations to assess and understand the real impact of their initiatives by gathering direct feedback from beneficiaries and stakeholders.<\/span><\/p>\n                                                            <\/div>\n                                                                                                            <\/div>\n                                                <\/div>\n                                                                                                                                                                                <div class=\"card\">\n                                                    <div class=\"card-header\" id=\"faq_heading1\">\n                                                        <a href=\"#\" class=\"collapsed\" data-toggle=\"collapse\" data-target=\"#faq_collapse1\" aria-expanded=\"false\" aria-controls=\"faq_collapse1\">\n                                                            What is the 60 Decibels Microfinance Index (MFI Index) and what aspects does it assess?                                                         <\/a>\n                                                    <\/div>\n                                                    <div id=\"faq_collapse1\" class=\"collapse\" aria-labelledby=\"faq_heading1\" data-parent=\"#accordionExample\">\n                                                                                                                    <div class=\"faq-card-body-saip\">\n                                                                <p><a class=\"Hyperlink SCXW125865429 BCX8\" href=\"https:\/\/60decibels.com\/insights\/mfi-index-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"TextRun Underlined SCXW125865429 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW125865429 BCX8\" data-ccp-charstyle=\"Hyperlink\">The 2024 Microfinance Index (MFI Index<\/span><\/span><\/a><span class=\"TextRun SCXW125865429 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW125865429 BCX8\">) <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW125865429 BCX8\">is<\/span><span class=\"NormalTextRun SCXW125865429 BCX8\"> an impact study on financial inclusion, based on data from 126 financial service providers and supported by 27 partners. It is based on the analysis of feedback from over 36,000 customers <\/span><span class=\"NormalTextRun SCXW125865429 BCX8\">of <\/span><\/span><span class=\"TextRun SCXW125865429 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW125865429 BCX8\">international microfinance institutions <\/span><\/span><span class=\"TextRun SCXW125865429 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW125865429 BCX8\">in 45 countries, <\/span><span class=\"NormalTextRun SCXW125865429 BCX8\">representing<\/span><span class=\"NormalTextRun SCXW125865429 BCX8\"> 32 million people. The index measures six key dimensions: access to financial services, impact on businesses and households, client protection, resilience to <\/span><span class=\"NormalTextRun ContextualSpellingAndGrammarErrorV2Themed SCXW125865429 BCX8\">risk<\/span><span class=\"NormalTextRun SCXW125865429 BCX8\"> and beneficiary autonomy.<\/span><\/span><span class=\"EOP SCXW125865429 BCX8\" data-ccp-props=\"{&quot;134245417&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:200,&quot;335559740&quot;:276}\">\u00a0<\/span><\/p>\n                                                            <\/div>\n                                                                                                            <\/div>\n                                                <\/div>\n                                                                                                                        <\/div>\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":35,"featured_media":5126,"template":"","meta":{"_acf_changed":false,"footnotes":""},"insights_types":[147],"insights_tags":[159],"class_list":["post-5037","insights","type-insights","status-publish","has-post-thumbnail","hentry","insights_types-article-2","insights_tags-article"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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