	Discount rate
	(1)	(2)	(3)	(4)	(5)	(6)
Affected by COVID-19 (=1)	0.055**	0.007	0.053**	0.028	0.107	0.047*
Affected by COVID-19 (=1)	(0.023)	(0.032)	(0.026)	(0.029)	(0.094)	(0.025)
Age	−0.006***	−0.000	−0.003**	−0.002*	−0.003	−0.003**
Age	(0.001)	(0.001)	(0.001)	(0.001)	(0.004)	(0.001)
Gender (1 = Male)			−0.015	0.023	−0.010	−0.008
Gender (1 = Male)			(0.022)	(0.034)	(0.066)	(0.014)
Married	0.033	−0.031**	0.005	−0.039	−0.011	−0.007
Married	(0.019)	(0.012)	(0.023)	(0.034)	(0.059)	(0.014)
Head	−0.072	0.008	0.018	0.011	0.005	0.019
Head	(0.051)	(0.013)	(0.025)	(0.038)	(0.062)	(0.013)
Household Size	0.006	0.000	0.001	0.012**	−0.017	0.003
Household Size	(0.003)	(0.008)	(0.004)	(0.005)	(0.021)	(0.003)
Servicing Loan (=1)	−0.013	0.005			−0.042	−0.009
Servicing Loan (=1)	(0.026)	(0.024)			(0.067)	(0.017)
Other Income Apart from Salary	−0.038**	−0.009	−0.030*	−0.016	0.036	−0.040**
Other Income Apart from Salary	(0.018)	(0.027)	(0.016)	(0.031)	(0.056)	(0.016)
Received Remittance Last 3months	−0.001	−0.019	−0.012	−0.010
Received Remittance Last 3months	(0.034)	(0.030)	(0.026)	(0.031)
Organizational Fixed Effects	Yes	Yes	Yes	Yes	Yes	Yes
Observations	357	241	432	166	79	519
R-squared	0.142	0.09	0.12	0.11	0.28	0.11