	Discount rate
	(1)	(2)	(3)	(4)
Affected by COVID-19 (=1)	0.045*	0.044*	0.042*	0.042*
Affected by COVID-19 (=1)	(0.024)	(0.024)	(0.023)	(0.023)
Age			−0.003***	−0.003***
Age			(0.001)	(0.001)
Gender (1 = Male)			−0.004	−0.004
Gender (1 = Male)			(0.019)	(0.019)
Married			0.002	−0.008
Married			(0.018)	(0.018)
Head			0.014	0.012
Head			(0.022)	(0.022)
Household Size			0.002	0.003
Household Size			(0.004)	(0.004)
Servicing Loan (=1)			−0.008	−0.007
Servicing Loan (=1)			(0.016)	(0.017)
Other Income Apart from Salary			−0.034**	−0.029*
Other Income Apart from Salary			(0.015)	(0.015)
Received Remittance Last 3months			−0.008	−0.010
Received Remittance Last 3months			(0.021)	(0.020)
Organizational Fixed Effects	No	Yes	No	Yes
Observations	598	598	598	598
R-squared	0.005	0.066	0.040	0.092