Data used in this study has been collected as part of a purposefully designed survey, conducted during 5-28 May 2020. Data was collected through a rapid response telephone survey. Feature phone ownership is universal in Bangladesh, at least at a household level. So, we are not concerned about technology (including smartphone access) related sample selection into our study.

In conversations on the heterogeneity of poverty, it is essential to keep in mind that the poorest are not like "[t]he poor but a little bit poorer. They may benefit from policies to help the poor, but need other policies as well" (Sen et al., 2004). Microcredit and transfer (as grants) programs are among the most notable initiatives for poverty reduction. However, the literature on microcredit documents mixed evidence on the effects on income and consumption (

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