From: Financial decision-making behaviors of Ethnic Tibetan Households based on mental accounting
 | Variable | Variable definition | N | Mean | SD |
---|---|---|---|---|---|
Dependent variables | Formal credit | Have you borrowed money from formal sources? (Yes = 1; No = 0) | 411 | 0.543 |  |
 | Informal credit | Have you borrowed money from informal sources? (Yes = 1; No = 0) | 403 | 0.576 |  |
 | Waynum | Number of borrowing sources (ranging from 0 to 4) | 415 | 1.188 | 0.833 |
 | Repay | The rank order that shows repaying preference for the government's anti-poor loan, bank loan, loan from friends and relatives, and temple loan (1 = first; 2 = second; 3 = third; 4 = fourth) | 420 | 2.500 | 1.118 |
Independent variables | Credit village | Whether it is a credit village (Yes = 1; No = 0) | 417 | 0.113 |  |
 | Temple | Number of religious places in villages | 417 | 1.206 | 0.941 |
 | Telecom | Whether to connect to the telecom network (Yes = 1; No = 0) | 417 | 0.957 |  |
 | Certificate | Whether there is a certificate of land title (Yes = 1; No = 0) | 420 | 0.679 |  |
 | Poverty | Are they poor? (Yes = 1; No = 0) | 419 | 0.621 |  |
 | Religion | Frequency of family visits to temples (1 = never; 2 = rarely; 3 = once a year; 4 = go to a special religious festival; 5 = once a month; 6 = once a week; 7 = more than once a week) | 419 | 4.103 | 0.964 |
 | Association | Whether they attend special technique association (Yes = 1; No = 0) | 411 | 0.024 |  |
 | Str income | Income structure = agricultural income/total income | 315 | 0.283 | 0.255 |
 | Dowry | Social spending (unit: thousand yuan) | 391 | 3.712 | 6.094 |
 | Age | Age | 418 | 46.667 | 10.797 |
 | Gender | Gender (female = 1; male = 0) | 420 | 0.212 |  |
 | Married | Marriage (single = 1; married = 2; divorce = 3; widowed = 4) | 418 | 2.172 | 0.599 |
 | Health | Health (very good = 1; good = 2; normal = 3; not good = 4; very bad = 5) | 405 | 2.516 | 0.948 |
 | Edu | Education (1 = uneducated; 2 = did not finish primary school, but can read and write; 3 = primary school graduation; 4 = junior high school graduation; 5 = high school/vocational high school/technical secondary school graduation; 6 = college graduate; 7 = undergraduate degree) | 400 | 1.908 | 1.139 |
 | Agrilost | The score for the loss in agriculture (the losses gradually increase in this order: 1 point, 3 points, 5 points, 7 points, 9 points) | 400 | 2.906 | 1.083 |
 | Labor | Number of laborers at home | 412 | 2.265 | 0.954 |
 | Land | Homestead squares (unit: square meters) | 361 | 175.628 | 135.688 |
 | Income | Total income (include income in the crop, business, rent, and off-farm income; unit: hundred yuan) | 319 | 3.522 | 3.237 |
 | Loan info | Have you ever heard about microfinance (Yes = 1; No = 0) | 414 | 0.754 |  |
 | Loan need | Do you need a microfinance loan? (unknown = 1; no need = 2; need = 3; need very much = 4) | 412 | 2.670 | 0.723 |
 | Skill | Whether the family members have special skills (Yes = 1; No = 0) | 411 | 0.299 |  |