Savings and Seller-Buyer Relationships: Evidence from Dairy Cooperatives in Kenya

Last registered on December 01, 2025
View Trial History

Pre-Trial

Trial Information

General Information

Title
Savings and Seller-Buyer Relationships: Evidence from Dairy Cooperatives in Kenya
RCT ID
AEARCTR-0016052
Initial registration date
November 27, 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
December 01, 2025, 11:28 AM EST

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

Locations

There is information in this trial unavailable to the public. Use the button below to request access.

Request Information

Primary Investigator

Name
Mohamed Abouaziza
Affiliation
London School of Economics (LSE)
Contact Primary Investigator

Other Primary Investigator(s)

Additional Trial Information

Status
On going
Start date
2024-12-01
End date
2026-03-31
Keywords
Agriculture, Finance & Microfinance
Additional Keywords
JEL code(s)
Secondary IDs
Prior work
This trial does not extend or rely on any prior RCTs.
Abstract
This paper addresses the non-competitive nature of the savings products market and the potential farmers' limited attention. Specifically, it aims to evaluate the impact of alternative savings accounts in the dairy sector in Kenya on farmer sales decisions, farmer savings, and other downstream outcomes (e.g., agricultural investment and school outcomes). It also assesses whether labelling, as an approach to mitigating potential limited attention, has additional effects on these outcomes.
External Link(s)

Registration Citation

Citation
Abouaziza, Mohamed. 2025. "Savings and Seller-Buyer Relationships: Evidence from Dairy Cooperatives in Kenya." AEA RCT Registry. December 01. https://doi.org/10.1257/rct.16052-1.0
Sponsors & Partners
Experimental Details

Interventions

Intervention(s)
Farmers will be divided into the following groups:

C (business as usual): Farmers are offered a free savings account
T1: This account is the same as C, but with a soft commitment that they cannot access their savings until the end of each month, except in emergencies such as illness.
T2 (Labelling): This account is the same as C, but labelled as lump-sum savings for farming investment and school fees.
Intervention Start Date
2025-04-01
Intervention End Date
2025-11-30

Primary Outcomes

Primary Outcomes (end points)
Farmer milk delivery, farmer savings, farming outcomes, and school outcomes
Primary Outcomes (explanation)

Secondary Outcomes

Secondary Outcomes (end points)
Secondary Outcomes (explanation)

Experimental Design

Experimental Design
We designed our experiment in collaboration with a dairy cooperative in Kenya that collects milk from around 2,000 active member farmers. The experiment is also informed by a quasi-experimental analysis showing that labelling financial services can be effective for take-up and milk delivery in this context.
Experimental Design Details
Not available
Randomization Method
Computer randomization
Randomization Unit
Farmer
Was the treatment clustered?
No

Experiment Characteristics

Sample size: planned number of clusters
n/a
Sample size: planned number of observations
1991 farmers
Sample size (or number of clusters) by treatment arms
C: 663
T1: 664
T2: 664
Minimum detectable effect size for main outcomes (accounting for sample design and clustering)
Supporting Documents and Materials
IRB

Institutional Review Boards (IRBs)

IRB Name
LSE Research Ethics Committee
IRB Approval Date
2024-11-04
IRB Approval Number
418818
Analysis Plan