	Discount rate
	(1)	(2)	(3)	(4)
Affected by COVID-19 (=1)	0.052*	0.052**	−0.014	−0.012
Affected by COVID-19 (=1)	(0.031)	(0.027)	(0.035)	(0.027)
Age		−0.003**		−0.002
Age		(0.001)		(0.001)
Gender (1 = Male)		0.007		−0.013
Gender (1 = Male)		(0.017)		(0.067)
Married		−0.020		0.001
Married		(0.015)		(0.028)
Head		0.000		0.031
Head		(0.016)		(0.063)
Household Size		0.004		−0.003
Household Size		(0.004)		(0.007)
Servicing Loan (=1)		−0.010		−0.002
Servicing Loan (=1)		(0.021)		(0.033)
Other Income apart from Salary		−0.014		−0.045
Other Income apart from Salary		(0.011)		(0.036)
Received Remittance last 3months		−0.017		0.014
Received Remittance last 3months		(0.026)		(0.023)
Organizational Fixed Effects	Yes	Yes	Yes	Yes
Observations	472	472	126	126
R-squared	0.065	0.085	0.204	0.236