The role of mutual insurance network in smallholder farmers' cooperation under drought uncertainty: a dynamic irrigation game

Last registered on March 19, 2025

Pre-Trial

Trial Information

General Information

Title
The role of mutual insurance network in smallholder farmers' cooperation under drought uncertainty: a dynamic irrigation game
RCT ID
AEARCTR-0015313
Initial registration date
March 14, 2025

Initial registration date is when the trial was registered.

It corresponds to when the registration was submitted to the Registry to be reviewed for publication.

First published
March 19, 2025, 9:05 AM EDT

First published corresponds to when the trial was first made public on the Registry after being reviewed.

Locations

Region

Primary Investigator

Affiliation
University of Copenhagen

Other Primary Investigator(s)

PI Affiliation
Bahir Dar University and University of Copenhagen
PI Affiliation
University of Copenhagen
PI Affiliation
University of Copenhagen

Additional Trial Information

Status
On going
Start date
2025-02-05
End date
2025-04-15
Secondary IDs
Prior work
This trial does not extend or rely on any prior RCTs.
Abstract
Climate change presents a tangible and pressing reality, with its observed and projected impacts disproportionately affecting nations and sectors worldwide. Smallholder farmers in low-income countries are particularly vulnerable due to their limited resilience, constrained adaptive capacity, and dependence on climate-sensitive livelihoods. In our study areas, these farmers operate within already degraded landscapes, further impeding their adaptive capacity and contributing to the low adoption of climate change adaptation strategies. We employ a dynamic irrigation game to examine the role of mutual insurance network on collective action in integrated watershed management as a pathway for climate change adaptation.
External Link(s)

Registration Citation

Citation
Belay, Dagim et al. 2025. "The role of mutual insurance network in smallholder farmers' cooperation under drought uncertainty: a dynamic irrigation game." AEA RCT Registry. March 19. https://doi.org/10.1257/rct.15313-1.0
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Experimental Details

Interventions

Intervention(s)
Intervention (Hidden)
Intervention Start Date
2025-02-05
Intervention End Date
2025-04-15

Primary Outcomes

Primary Outcomes (end points)
Watershed investment and water extraction
Primary Outcomes (explanation)

Secondary Outcomes

Secondary Outcomes (end points)
Inequality of investment and extraction
Secondary Outcomes (explanation)

Experimental Design

Experimental Design
The study involves a lab-in-the-field experiment (an irrigation game) to examine watershed management and river water appropriation for irrigation. The experiment is framed to minimize participants' computational burden in the game and imitate real-world scenarios. The experiment will be conducted with smallholder farmers in Ethiopia engaged in irrigation agriculture and have experience in campaign-based watershed management activities, such as tree planting and soil and water conservation. The design combines within- and between-subject components to estimate the effects of different intervention treatments under dynamic scenarios. Participants will be randomly assigned into one of the four experimental arms: (i) drought incidence, (ii) mutual insurance, (iii) drought incidence and mutual insurance, and (iv) control group. Participants in the experiment play in groups of 5 in 2 stages, a total of 7 rounds. The five players are randomly assigned to positions 1, 2, 3, 4, and 5, ranging from upstream (position 1) to downstream (position 5). The groups and positions in the group remain fixed throughout the game. In stage 1, all participants play a classical irrigation game for 2 rounds. In the second stage, participants play the irrigation game with one of the assigned experimental arms, three treatments, and a control group. The control group continues to play the classical irrigation game as in stage 1.

Drought incidence: Participants randomly assigned to this treatment will face shared vulnerability to drought, with a known risk of 60%. This indicates that in five rounds of the second stage, drought events will occur in three rounds. Subsequently, a reduction in water flow that has a potential effect on output level will have the probabilities of 10%, 30%, and 50% with a 50%, 30%, and 10% of water loss to show the unpredictability of drought incidences. However, although participants have complete information on the risk of droughts and the severity of possible drought effects, information on the severity of an impact at the time, t, remains incomplete increasing the uncertainty. The uncertainty may directly affect participants' decision to invest in the watershed. Proactive watershed restoration in earlier rounds increases the maximum water generation potential, mitigating current and future drought effects. Accordingly, water availability at period t is determined by drought incidence, the collective efforts of participants, and their past actions.

Mutual insurance network: We will introduce a community-based social insurance scheme in this treatment. Participants can allocate a portion of their endowment to a shared fund in addition to investing in the watershed project and their private account. Participants experiencing severe drought and crop losses due to water shortages can draw from this shared fund to recover their endowment. A significant loss occurs when participants fail at least to recover their initial endowment, drawing from the mutual fund solely for recovery purposes. We hypothesize that this insurance mechanism may incentivize downstream participants to invest more in watershed management, thereby enhancing aquifer levels.

Mutual insurance network during drought scenarios: In this treatment, we will examine the interaction between drought scenarios and mutual insurance mechanisms on participants' collective action. Specifically, we aim to investigate whether the presence of mutual insurance influences participants' efforts to invest in watershed management and their strategies for allocating irrigation water under drought conditions.

Each round follows two steps: first, each player receives an initial endowment of 30 Ethiopian Birr (ETB), which they can either invest in watershed structures or save in their private account. Investing in watershed structures improves the future water retention potential. Therefore, the hydrological system becomes dynamic, and previous group contributions and depreciation of the previous watershed structures now influence the maximum water generation potential of the aquifer. Second, players extract water from the river for irrigation in the order of their assigned position, i.e., a player assigned to position 1 will be the first to extract water, and a player assigned to position 5 will be the last to extract water.
Experimental Design Details


Randomization Method
We conducted randomization through a public lottery.
Randomization Unit
An individual level.
Was the treatment clustered?
No

Experiment Characteristics

Sample size: planned number of clusters
no clusters
Sample size: planned number of observations
3430 observations: 490 individuals, each playing 7 rounds
Sample size (or number of clusters) by treatment arms
840 observations (120 individuals playing 7 rounds) for drought incidence, mutual insurance, and control groups, and 910 observations (130 individuals playing 7 rounds) for drought incidence interacted with mutual insurance
Minimum detectable effect size for main outcomes (accounting for sample design and clustering)
IRB

Institutional Review Boards (IRBs)

IRB Name
Research Ethics Committee, Faculty of science, University of Copenhagen
IRB Approval Date
2024-06-26
IRB Approval Number
504-0518/24-5000

Post-Trial

Post Trial Information

Study Withdrawal

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Intervention

Is the intervention completed?
No
Data Collection Complete
Data Publication

Data Publication

Is public data available?
No

Program Files

Program Files
Reports, Papers & Other Materials

Relevant Paper(s)

Reports & Other Materials