  This empirical study estimates resilience (adaptive capacity) around the
periods of the 2013 heavy flood in Cambodia. We use nearly 1.2 million
microfinance institution (MFI) customer data and implement the unsupervised
learning method. Our results highlight the opportunity to develop resilience by
having a better understanding of which areas are likely to be more or less
resilient based on the characteristics of the MFI customers, and the individual
choices or situations that support stronger adaptiveness. We also discuss the
limitation of this approach.
