Abstract
<jats:p>The study aim is to examine that how climate change induces water bankruptcy reshape agrarian communities’ resilience in a local sense at a global level. A cross-sectional quantitative research design was employed. The study was selected 387 respondents (smallholder farmers) based on multi-stage sampling technique. Primary data were collected through a structured interview schedule. Data were analysed using descriptive (frequencies and percentages) and inferential statistical methods (binary logistic regression to estimate the Odds Ratios (OR), 95% Confidence Intervals (CI) and P-values. The study result indicates that in northwestern Pakistan (Lower Dir) agrarian communities face climate change induce water bankruptcy. Farmers have a clear understanding that local water resources can no longer meet to irrigate their agriculture. Statistically water shortages were the most significant predictors of climate change that affects smallholder farmer’s agriculture with adjusted odds ratios (AORs) of 8.72 in the less adjusted model and 4.62 in the most adjusted model. Although farmers are using local resilience strategies such as diversifying crops, but it’s also do not adequately overcome chronic water shortages. Study also suggested that community-based approaches to managing water resources and implementing climate-smart agriculture policies will help alleviate both climate change and water bankruptcy.</jats:p>