Generate text that refutes this claim: Rebuilding agricultural systems  Africa is faced with an agrarian crisis. Microfinance is providing rural communities a chance to gain food security and reduce vulnerability to risks such as climate change, unstable demand, and political tensions. Microfinance supports small scale agriculture – which is more sustainable, effective for growth, and beneficial for communities than larger scale agriculture. In Zimbabwe, small scale farming has the capability to improve production, benefiting households, communities, and the Nation (IRIN, 2013; Morrison, 2012).  Kiva, a microfinance NGO, is providing affordable capital to remote communities. Loans have been provided to small-scale farmers and a rental system has been set-up enabling farmers to borrow tools and resources needed.
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There is a need to reinvigorate Africa’s agricultural system; however, the ability for microfinance to do this is debatable. The distribution of loans is not necessarily adequate or responsive to the need. The loans provided need to be able to provide security and protection in the face of environmental crisis. There are some things microfinance can’t solve; more variable rains and desertification for example. Loans can only be provided if the risks are known and the risks are getting higher so too will be the costs of loans.  Additionally, multiple factors are responsible for Africa’s agrarian crisis. The lack of an agriculture marketing board for farmers to control price, insufficient infrastructure, and the legacies of structural adjustment, all act to constrain the agricultural system.