| Combined Mean | Early Access to Savings | No early Access to Savings | t-stats | |
| Discount Rate (Time Game 1) | 0.203 | 0.219 | 0.146 | −4.459*** |
| (0.165) | (0.164) | (0.157) | ||
| Discount Rate (Time Game 2) | 0.203 | 0.213 | 0.166 | −2.939*** |
| (0.160) | (0.158) | (0.164) | ||
| Present Bias | 0.231 | 0.227 | 0.244 | 0.396 |
| (0.422) | (0.419) | (0.431) | ||
| Characteristics |
|
|
|
|
| Age | 38.050 | 38.025 | 38.147 | 0.180 |
| (6.840) | (6.583) | (7.753) | ||
| Marital Status (married = 1) | 0.717 | 0.737 | 0.643 | −2.089 |
| (0.451) | (0.441) | (0.481) | ||
| Gender (male = 1) | 0.601 | 0.598 | 0.612 | 0.306 |
| (0.490) | (0.491) | (0.489) | ||
| Household Size | 4.833 | 4.911 | 4.543 | −2.089 |
| (1.783) | (1.739) | (1.916) | ||
| Household head (=1) | 0.764 | 0.782 | 0.698 | −2.011 |
| (0.425) | (0.413) | (0.461) | ||
| Household below 18 Years | 2.542 | 2.693 | 1.977 | −4.213 |
| (1.739) | (1.722) | (1.688) | ||
| Gross Salary | 5,090,344 | 4,873,963 | 5,898,837 | 3.080 |
| (3,379,527) | (3,320,669) | (3,486,730) | ||
| Net Salary | 3,108,429 | 2,925,934 | 3,790,310 | 3.318 |
| (2,649,868) | (2,525,521) | (2,983,451) | ||
| Other Income Source (=1) | 0.381 | 0.351 | 0.496 | 3.039 |
| (0.486) | (0.478) | (0.502) | ||
| Servicing Loan (=1) | 0.722 | 0.757 | 0.589 | −3.823 |
| (0.448) | (0.429) | (0.494) | ||
| Received Remittances (last 3 months) | 0.131 | 0.127 | 0.147 | 0.619 |
| (0.338) | (0.333) | (0.356) |