Dependence of loan request probability on average age of adult household members. Note: The results are based on regression coefficients whose ultimate effects are presented in Supplementary material 1: Appendix D (the Basic Regression column). The probability estimates are based on the average values of independent variables, with the exception of variable average_adults_age_nw and average_adults_age_nw_srt, in which the value average_adults_age_nw changes in increments of one year from 18 to 100. The calculation uses an asymptotic 95% confidence interval (+/–1.96* Standard error). The standard errors are obtained with the delta method. Source: All-Russian survey of consumer finances 2022; authors’ calculations.