“…The breakdown of traditional risk-sharing mechanisms, along with population growth, urbanisation, and new risks like market volatility and climate change have triggered several formal social-protection initiatives, with social insurance, social assistance, and labour programmes becoming increasingly visible in the HKH's public-policy domain (Wagle 2012). Although these programmes have provided immediate relief to families in need, they are hardly effective in developing the assets and market access necessary for long-term viability of smallholder farmers.…”