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)