| (1) 2010 | (2) 2014 | (3) 2016 | (4) 2018 |
Online social network | 0.295*** | 0.331*** | 0.346*** | 0.234*** |
| (0.061) | (0.049) | (0.041) | (0.026) |
Consumption loan | 0.252*** | 0.197*** | 0.173** | 0.171*** |
| (0.032) | (0.059) | (0.078) | (0.051) |
Online social network * Consumption loan | 0.227** | 0.171* | −0.257*** | −0.050 |
| (0.111) | (0.094) | (0.076) | (0.043) |
Formal financial institutions | −0.004*** | −0.014*** | −0.001** | −0.006** |
| (0.001) | (0.004) | (0.001) | (0.002) |
Consumption loan * Formal financial institutions | −6.09e−05 | 5.63e−05 | 0.0003* | 0.0002 |
| (0.000) | (0.000) | (0.000) | (0.000) |
Household head characteristics variables | Control | Control | Control | Control |
Household characteristics variables | Control | Control | Control | Control |
Region | Control | Control | Control | Control |
N | 6142 | 4496 | 4381 | 5738 |
R-sq | 0.292 | 0.318 | 0.297 | 0.425 |