	Present Bias
	(1)	(2)	(3)	(4)	(5)
Affected by COVID-19 (=1)	−0.004	−0.093	0.053	−0.168*	0.323***
Affected by COVID-19 (=1)	(0.062)	(0.096)	(0.103)	(0.087)	(0.101)
Age	0.005	0.008**	−0.001	0.011**	0.004
Age	(0.003)	(0.003)	(0.007)	(0.005)	(0.004)
Gender (1 = Male)	−0.040	−0.046	−0.046
Gender (1 = Male)	(0.053)	(0.045)	(0.098)
Married	−0.003	0.017	−0.023	−0.069	0.087
Married	(0.039)	(0.061)	(0.136)	(0.054)	(0.111)
Head	−0.050	−0.050	−0.028	0.235*	−0.006
Head	(0.067)	(0.061)	(0.133)	(0.117)	(0.082)
Household Size	−0.005	−0.018	0.025	−0.028	−0.000
Household Size	(0.011)	(0.012)	(0.032)	(0.019)	(0.013)
Servicing Loan (=1)	−0.006	−0.047	0.064	−0.007	−0.099
Servicing Loan (=1)	(0.040)	(0.050)	(0.107)	(0.068)	(0.105)
Other Income Apart from Salary	0.049	0.019	0.099	0.001	0.053
Other Income Apart from Salary	(0.033)	(0.034)	(0.077)	(0.040)	(0.067)
Received Remittance Last 3months	−0.113**	−0.151***	−0.001	−0.215***	−0.056
Received Remittance Last 3months	(0.050)	(0.037)	(0.177)	(0.039)	(0.053)
Organizational Fixed Effects	Yes	Yes	Yes	Yes	Yes
Observations	590	467	123	275	192
R-squared	0.019	0.034	0.032	0.071	0.039