| Variables | Description |
| Total flow ratio | Ratio of total flow liquid and productive assets to household net income |
| Flow liquid asset ratio | Ratio of flow liquid assets to household net income |
| Flow productive asset ratio | Ratio of flow productive assets to household net income |
| Total stock ratio | Ratio of total liquid assets and productive assets to household net income |
| Stock liquid asset ratio | Ratio of liquid assets to household net income |
| Stock productive asset ratio | Ratio of productive assets to household net income |
| Household head characteristics | |
| Gender | Household whose head is male (yes = 1) |
| Edu2 | Household whose head has vocational training, or professional high school or junior diploma (yes = 1) |
| Edu3 | Household whose head has tertiary education (yes = 1) |
| Household characteristics | |
| LnWealth | Total value of all household assets, natural logarithm |
| Person | Number of family members |
| Young rate | Ratio of number of young people (under 15) to total number of household members (%) |
| Old rate | Ratio of number of old people (over 60) to total number of household members (%) |
| Social network | |
| Supporter | Number of supporters (friends/relatives) outside the family |
| Organization | Household with at least one member in political/social or economic organizations (yes = 1) |
| Assistance | Number of non-demanded visits from agricultural consultants (extension workers) during previous 12 months |
| Insurance | Household with at least one member engaging in one type of insurance (yes = 1) |
| Instruments | |
| Distance | Distance from household to all-weather road |
| Ethnicity | Households in Kinhethnic group (yes = 1) |
| Lnage | Age of household head, natural logarithm |
| Lnage2 | Squares of Lnage |
| Area1 | Household in Northern midlands-mountain areas and former Ha Tay province* (yes = 1) |
| Area2 | Household in North Central area(yes = 1) |
| Area3 | Household in Central Highland (yes = 1) |
| Shock | Household facing at least one shock (yes = 1) |
| Household member shocks | Household facing shocks relating to household members (divorce, abandonment, family disputes, illness) |
| Economic/natural shocks | Household facing economic and natural shocks (crop prices, unemployment, unsuccessful investment, loss of land, robbery, theft, floods, landslides, typhoons, storms) |