Spreadsheet: 0bf8f79f-cd4b-44f8-ab81-98fd33c6de76
Sheet: Sheet1

Table S1: Weekly vs. 5-week Randomization Check | Unnamed: 1 | Unnamed: 2 | Unnamed: 3 | Unnamed: 4 | Unnamed: 5
 | Client-level | Weekly | Treatment | Difference | N
 | variable | mean |  | (2) – (1) | (control/treat)
Panel A: Controls |  | (1) | (2) | (3) | (4)
 | Age | 34.97 | 33.4 | -1.543 | 98/100
 |  |  |  | (1.141)
 | Married | 0.929 | 0.87 | -0.0815** | 98/100
 |  |  |  | (0.0389)
 | Household size | 4.247 | 4.06 | -0.184 | 97/100
 |  |  |  | (0.257)
 | Muslim | 0 | 0.0125 | 0.0104 | 88/80
 |  |  |  | (0.0103)
 | Literate | 0.866 | 0.93 | 0.0828 | 97/100
 |  |  |  | (0.0541)
 | Shock in last month (illness, death, flood) | 0.465 | 0.475 | 0.00868 | 99/99
 |  |  |  | (0.0861)
 | Loan size (continuous) | 8570 | 8500 | 48.79 | 100/100
 |  |  |  | (330.85)
Joint test statistic: 0.285
Panel B: Other client characteristics
 | No. of times surveyed | 25 | 24.99 | -0.00748 | 100/100
 |  |  |  | (0.00727)
 | Average length of DCS interview (mins) | 12.23 | 12.7 | 0.61 | 2439/2437
 |  |  |  | (1.391)
 | Total asset value (Rs.) | 13564 | 17512 | 3745 | 100/100
 |  |  |  | (2564)
 | Has household business | 0.26 | 0.46 | 0.139 | 100/100
 |  |  |  | (0.0977)
 | Has savings | 0.1 | 0.14 | 0.0274 | 100/100
 |  |  |  | (0.0513)
 | Years of education | 6.739 | 6.857 | 0.0829 | 88/98
 |  |  |  | (0.651)
 | Weekly discount rate | 342.6 | 349.4 | -39.65 | 95/100
 |  |  |  | (77.04)
 | Educ expenses in last year (Rs.) | 5692 | 5958 | 320.3 | 100/100
 |  |  |  | (1134)
 | Health expenses in last year (Rs.) | 3797 | 4671 | 702.6 | 100/100
 |  |  |  | (1146)
 | Homeowner | 0.793 | 0.873 | 0.0444 | 87/79
 |  |  |  | (0.0635)
 | Transfers into HH in last year (Rs.) | 712.1 | 1124 | 337.3 | 99/98
 |  |  |  | (293.1)
 | Transfers out of HH in last year (Rs.) | 1458 | 1417 | -60.88 | 99/98
 |  |  |  | (276.6)
 | Financial control | 0.755 | 0.77 | -0.0146 | 94/100
 |  |  |  | (0.0682)
 | HH monthly income | 8548 | 7303 | -1324 | 100/100
 |  |  |  | (1,109)
Joint test statistic: 0.484
 | * significant at 10% level ** significant at 5% level *** significant at 1% level. The joint test statistic uses a [NAME] test to simultaneously measure the likelihood that all the coefficients are jointly equal to 0 (each coefficient is computed by regressing each of the control variables on the treatment variable, controlling for group level fixed effects.)
(1) | Weekly discount rate calculated from series of hypothetical questions about preferences between different sums of money at time of survey versus a week from time of survey. Financial control is a dummy for whether client answered "yes" to the following question: "If a close relative like your parents or siblings fell sick and needed money would you be able to lend money to that relative, if you had the extra money?" HH monthly income is the sum of all employment income of household members and rental income.
(2) | Differences reported in column (3) are the coefficient on the dummy for 5-week repayment schedule, in a regression of the client-level variable on stratification of group formation fixed effects and standard errors adjusted for within group correlation.