Combined Mean | Affected by COVID-19 | Not Affected by COVID-19 | t-stats | |
Discount Rate (Time Game 1) | 0.203 | 0.207 | 0.164 | −1.794* |
(0.165) | (0.164) | (0.164) | ||
Discount Rate (Time Game 2) | 0.203 | 0.206 | 0.174 | −1.351 |
(0.160) | (0.160) | (0.159) | ||
Present Bias | 0.231 | 0.229 | 0.250 | 0.349 |
(0.422) | (0.420) | (0.437) | ||
Characteristics |
|
|
|
|
Age | 38.051 | 38.145 | 37.038 | −1.116 |
(6.840) | (6.889) | (6.265) | ||
Marital Status (married = 1) | 0.717 | 0.717 | 0.712 | −0.089 |
(0.451) | (0.451) | (0.457 | ||
Gender (male = 1) | 0.601 | 0.599 | 0.615 | 0.226 |
(0.490) | (0.490) | (0.491) | ||
Household Size | 4.833 | 4.878 | 4.346 | −2.064** |
(1.783) | (1.769) | (1.877) | ||
Household head (=1) | 0.764 | 0.773 | 0.673 | −1.622 |
(0.425) | (0.419) | (0.474) | ||
Household below 18 Years | 2.542 | 2.599 | 1.923 | −2.697*** |
(1.738) | (1.729) | (1.736) | ||
Gross Salary | 5,090,344 | 4,988,104 | 6,189,423 | 2.462*** |
(3,376,185) | (3,376,185) | (3,247,448) | ||
Net Salary | 3,108,429 | 3,002,326 | 4,249,038 | 3.271*** |
(2,577,890) | (2,577,890) | (3,134,743) | ||
Other Income Source (=1) | 0.381 | 0.370 | 0.500 | 1.844* |
(0.486) | (0.483) | (0.505) | ||
Servicing Loan (=1) | 0.722 | 0.741 | 0.519 | −3.435*** |
(0.448) | (0.439) | (0.505) | ||
Received Remittances (last 3 months) | 0.131 | 0.134 | 0.096 | −0.776 |
(0.338) | (0.341) | (0.298) | ||
Recommends Early Access to Savings (=1) | 0.789 | 0.818 | 0.481 | −5.839*** |
(0.408) | (0.387) | (0.505) | ||
Preferred Age for Partial Access | 45.446 | 45,424 | 45.840 | 1.371 |
(0.408) | (1.414) | (3.375) | ||
Preferred Age for No Partial Access | 55.426 | 55.392 | 55.556 | 0.537 |
(1.402) | (1.351) | (1.601) |