Milking it for all it’s Worth: Digital Credit and Payments in the Dairy Sector

While access to digital credit and digital payments could be beneficial to farmers in rural areas, their actual impact and complementarities are unknown. This study will measure the impact of a digital credit product in Uganda on dairy farmers’ production, income, assets, investments, and consumption smoothing ability, while assessing whether the additional access to digital payments, aside from digital credit, boosts impacts. Finally, the team will study whether and how product prices respond to the introduction of digital credit and digital payments. This randomized evaluation will have broad implications for the digitization efforts of agricultural supply chains in developing countries. Results forthcoming.