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It was cloudy and cool on the day when a team of researchers met Berina (not her real name) in the summer of 2017. She was standing near the rusty carcass of a car that was abandoned beneath the giant baobab that had become the regular gathering...

When a farmer like Moses Ipinge* (*not his real name) needs cash for medicine, or to repair the roof of his home, or pay his children’s school fees, he dips into his bank account and withdraws some of his savings. That means he’ll sell a...