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| Abbrev | Variable | Definition |
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Explained variables | ccus | Usage of credit card | Whether farmers use credit cards, the corresponding question is “Do you use credit card? 1. Not used; 2. Used.” If you choose “1,” the value is 0; otherwise, it is 1. |
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Explanatory variables | pccu | Peer variables of usage of credit card | The average usage level of credit cards of other farmers in the same village except the sample farmers. The method is to add and average usage of credit cards of other farmers except the sample farmers. |
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Individual characteristics | tpay | Total household expenditure | The total household expenditure of the sample farmers, “What is the average total expenditure of your household in the past three years?” Unit: Yuan. |
tincome | Total household income | The household income of the sample farmers, “What is the average total income of your household in the past three years?” |
age | Age | The age of the sample farmers is corresponding to the question “What is your age?” |
sex | Sex | The gender of the sample farmers corresponds to the question “What is your gender? 1. Female; 2. Male.” If you select “1,” the value is 0; otherwise, it is 1. |
edu | Years of education | The education years of the sample farmers, corresponding to the question “What is your education level?” Calculate the education years of the sample farmers according to their education years. |
sc | Social capital | For the social capital of the sample farmers, the corresponding questions here are “Do you or your family work in government departments? 1. None; 2. I am; 3. Family is in,” “you or your family work in financial institutions? 1. None; 2. I am; 3. Family is in,” and “you or your family is a village cadre? 1. None; 2. I am; 3. Family is.” If you choose “1” for each question, the value is 0. If “2” is selected, the value is 1. If “3” is selected, the value is 2. Add the three question assignments to calculate the social capital of the sample farmers. |
tp | Family size | The household population of the sample farmers corresponds to the question “How much is your family?” |
loandemand | Loan demand | For the loan demand of the sample farmers, the corresponding question is “Do you have a loan demand? 1. No; 2. Yes.” If you select “1,” the value is 0; otherwise, it is 1. |
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Neighborhood characteristics | peersex | Peer variables of gender | The average gender status of other farmers in the same village except the sample farmer. The method is to average the gender of other interviewed farmers other than the sample farmer. |
peerage | Peer variables of age | The average age of other farmers in the same village except the sample farmer. The method is to add up and average age of the other farmer other than the sample farmer. |
peersc | Peer variables of social capital | The average social capital of other farmers in the same village except the sample farmer. The method is to add up and average the social capital of other interviewed farmers except the sample farmers. |
peeredu | Peer variables of years of education | The average years of education of other farmers in the same village except the sample farmers. The method is to add up and average the years of education of other interviewed farmers except the sample farmers. |
peertincome | Peer variables of family income | The average total income of other farmers in the same village except the sample farmer. The method is to add up and average the total income of other farmers other than the sample farmer. Unit: Yuan. |
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Community characteristics | cuntraffic | Village traffic situation | The traffic situation of the village where the sample is located. The corresponding question is the interview of the village committee director in the community questionnaire. The corresponding question is “What is the traffic situation of the village? 1. Not good; 2. Good.” If “1” is selected 0, otherwise 1. |
cunwifi | Network status | The wireless signal coverage status of the village where the sample is located. The corresponding question is the interview of the village committee director in the community questionnaire section. The corresponding question is “What is the network status of the village? 1. Not good; 2. Good.” If “1” is selected 0, the value is 0; otherwise, it is 1. |
pdistance | Distance from the provincial government | The distance from the village committee where the sample is located to the provincial people’s government, measured by Google Maps, unit: km. |
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