Understanding the roles of locus of control, self-efficacy and fatalism on consumer redress for women in rural India

Last registered on May 03, 2022

Pre-Trial

Trial Information

General Information

Title
Understanding the roles of locus of control, self-efficacy and fatalism on consumer redress for women in rural India
RCT ID
AEARCTR-0009340
Initial registration date
May 02, 2022

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
May 03, 2022, 9:46 AM EDT

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

Locations

Region

Primary Investigator

Affiliation
Centre for Social and Behaviour Change

Other Primary Investigator(s)

PI Affiliation
Centre for Social and Behaviour Change
PI Affiliation
Centre for Social and Behaviour Change
PI Affiliation
Centre for Social and Behaviour Change

Additional Trial Information

Status
On going
Start date
2022-04-24
End date
2022-05-31
Secondary IDs
Prior work
This trial does not extend or rely on any prior RCTs.
Abstract
Interventions have been instrumental in increasing women’s access and engagement with digital financial services (DFS) in LMICs. However, notably absent from both academic and practitioner research is a focus on gender and consumer redress. Despite the severity of the societal and individual barriers that limit women’s ability to raise complaints and resolve disputes, empirical evidence is thin and fragmented.

Situating our research in India - a leading digital financial services market - our survey examines the role of intrinsic factors of locus of control, self-efficacy and fatalism in determining how women perceive and manage consumer redress behaviors, such as raising complaints, seeking alternative complaints channels, or inaction. The results from this survey will lay the groundwork for experiments that test behaviourally informed interventions to improve the consumer redress experience for women.

The research aims to answer the following question: “What is the role of individual belief systems (i.e. locus of control, fatalism, and self efficacy) in determining women’s consumer redress perceptions, attitudes, and key redressal behaviors?” We hypothesize that fatalism, external locus of control and low self-efficacy will explain inaction, low uptake, and engagement with consumer redress mechanisms.
External Link(s)

Registration Citation

Citation
Agarwal, Aayush et al. 2022. "Understanding the roles of locus of control, self-efficacy and fatalism on consumer redress for women in rural India." AEA RCT Registry. May 03. https://doi.org/10.1257/rct.9340-1.0
Sponsors & Partners

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Experimental Details

Interventions

Intervention(s)
Intervention Start Date
2022-04-24
Intervention End Date
2022-05-31

Primary Outcomes

Primary Outcomes (end points)
DFS redressal knowledge (actual vs. perceived), DFS redressal attitudes, Stated DFS redressal behavior
Primary Outcomes (explanation)

Secondary Outcomes

Secondary Outcomes (end points)
Confidence bias in DFS redressal knowledge, Discrimination bias in DFS redressal knowledge
Secondary Outcomes (explanation)

Experimental Design

Experimental Design
For the predictor variable of hassle aversion, our randomization will lead to 9 arms. There will be 9 combinations for a hypothetical situation where you can send money 2 different ways - either through an app or through an agent. A respondent will only see 1 of the 9 combinations.

We will randomize the amount of money to be sent (low, medium, high bid) and the percentage the agent will charge (low, medium or high bid).
Experimental Design Details
Randomization Method
Based on randomly generated numbers.
Randomization Unit
Individual randomization.
Was the treatment clustered?
No

Experiment Characteristics

Sample size: planned number of clusters
450 respondents
Sample size: planned number of observations
450 respondents
Sample size (or number of clusters) by treatment arms
225 females, 225 males
Minimum detectable effect size for main outcomes (accounting for sample design and clustering)
IRB

Institutional Review Boards (IRBs)

IRB Name
Ashoka Institutional Review Board (IRB)
IRB Approval Date
2022-03-25
IRB Approval Number
38_22_Barnhardt
Analysis Plan

Analysis Plan Documents

Pre-analysis Plan

MD5: ad699774feb1a076136b035a443b939c

SHA1: 357e63840e481d38624f972061a2b74c3b86d79b

Uploaded At: May 02, 2022

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