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Article title
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Abstract
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Keywords
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1. Introduction
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2. Literature review
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3. Data
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3.1. All-Russian survey of consumer finances
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3.2. Description of the variables
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4. The model
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5. Results
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5.1. Results for loan demand in the past
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5.2. Results for planned loan demand
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6. Conclusion
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Acknowledgments
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References
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Supplementary materials
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