A character vector of 24 covariate names used as controls in the analysis of the Philippine microcredit experiment by Athey, Fava, Karlan, Osman & Zinman (2025). Provided as a convenience for use in formulas and subsetting.
Format
A character vector of length 24 containing column names from the
microcredit dataset:
"css_creditscorefinal", "css_yearsataddress",
"own_house", "sari", "own_anybus",
"max_yearsinbusiness", "css_regularworkers",
"css_traveltime", "css_travelcost",
"css_stockvalue", "css_assetvalue",
"css_noofbusiness", "hhsize", "age",
"gender", "education", "married",
"savingsamt", "hhinc_yrly_base",
"profits_yrly_base", "rev_yrly_base",
"exp_yrly_base", "hhexp_yrly_base",
"hhasset_yrly_base".
Source
Karlan, D. and Zinman, J. (2011). Microcredit in Theory and Practice: Using Randomized Credit Scoring for Impact Evaluation. Science, 332(6035), 1278–1284. doi:10.1126/science.1200138
Athey, S., Fava, B., Karlan, D., Osman, A. and Zinman, J. (2025). Profits and Social Impacts: Complements vs. Tradeoffs for Lenders in Three Countries. Working paper.
Examples
data(microcredit_covariates)
microcredit_covariates
#> [1] "css_creditscorefinal" "css_yearsataddress" "own_house"
#> [4] "sari" "own_anybus" "max_yearsinbusiness"
#> [7] "css_regularworkers" "css_traveltime" "css_travelcost"
#> [10] "css_stockvalue" "css_assetvalue" "css_noofbusiness"
#> [13] "hhsize" "age" "gender"
#> [16] "education" "married" "savingsamt"
#> [19] "hhinc_yrly_base" "profits_yrly_base" "rev_yrly_base"
#> [22] "exp_yrly_base" "hhexp_yrly_base" "hhasset_yrly_base"
# Use to subset the microcredit data
data(microcredit)
dat <- microcredit[, c("hhinc_yrly_end", "treat", microcredit_covariates)]