| country,year,urban_rural,gender,age,age_group,income_quintile,education,employment_status,branch_access_km,atm_access_km,account_ownership,account_type,bank_name,usage_frequency_monthly,months_inactive,account_balance_usd,primary_barrier,has_overdraft,has_debit_card,has_online_banking,scenario |
| Uganda,2020,rural,female,70,55+,middle,none,self_employed,3.5,3.4,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2024,urban,female,47,45-54,fourth,secondary,employed_informal,4.7,0.6,1,current,Ecobank,0,8,0.0,none,0,0,0,low_burden |
| Rwanda,2018,rural,male,53,45-54,fourth,tertiary,employed_informal,23.3,7.5,1,fixed_deposit,Equity Bank,0,24,0.0,none,0,0,0,low_burden |
| Malawi,2021,urban,male,38,35-44,lowest,primary,employed_formal,8.3,4.0,1,savings,Standard Bank,2,0,371.22,none,0,0,1,low_burden |
| Malawi,2024,rural,female,68,55+,lowest,tertiary,self_employed,31.9,13.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2025,urban,female,22,18-24,fourth,secondary,self_employed,0.2,0.3,1,savings,Rawbank,3,0,656.25,none,0,1,1,low_burden |
| Uganda,2020,rural,female,33,25-34,highest,tertiary,self_employed,1.0,7.7,1,current,Centenary,3,0,1189.35,none,0,0,0,low_burden |
| Niger,2023,urban,female,74,55+,highest,primary,student,1.0,0.7,1,savings,BAK,2,0,1982.5,none,0,0,0,low_burden |
| Ghana,2019,urban,female,45,35-44,highest,none,self_employed,5.5,0.6,1,fixed_deposit,GCB,2,0,565.92,none,0,1,0,low_burden |
| Uganda,2018,rural,female,27,25-34,middle,none,unemployed,6.2,4.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2020,urban,female,41,35-44,highest,secondary,self_employed,2.7,0.2,1,savings,Zanaco,3,0,1141.92,none,0,1,0,low_burden |
| South Africa,2025,urban,female,32,25-34,second,tertiary,self_employed,0.2,3.0,1,savings,Standard Bank,2,0,547.1,none,0,0,0,low_burden |
| Mali,2023,rural,female,47,45-54,fourth,primary,self_employed,1.8,15.0,1,savings,BMCD,1,0,1497.65,none,1,1,0,low_burden |
| Mali,2021,urban,male,31,25-34,highest,none,employed_informal,12.3,4.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2020,rural,male,40,35-44,fourth,none,employed_informal,14.5,16.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2019,rural,male,69,55+,second,secondary,self_employed,0.3,14.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2020,urban,female,22,18-24,second,tertiary,employed_formal,0.6,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2019,rural,female,61,55+,second,primary,employed_informal,33.2,18.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2019,urban,male,22,18-24,second,secondary,unemployed,2.8,0.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2023,rural,female,44,35-44,fourth,secondary,self_employed,5.0,2.3,1,current,National Bank,4,0,614.09,none,0,0,0,low_burden |
| Zambia,2019,urban,male,56,55+,fourth,tertiary,employed_formal,0.9,0.1,1,savings,Zanaco,4,0,2965.52,none,0,1,1,low_burden |
| Ethiopia,2018,urban,male,72,55+,lowest,secondary,employed_formal,1.1,0.6,1,savings,Commercial Bank of Ethiopia,2,0,424.37,none,1,0,0,low_burden |
| Nigeria,2022,urban,female,32,25-34,fourth,primary,student,0.0,0.4,1,current,Access Bank,2,0,445.68,none,0,0,0,low_burden |
| Mozambique,2020,rural,male,21,18-24,second,secondary,student,7.9,2.9,1,savings,Moza Banco,4,0,120.78,none,0,1,0,low_burden |
| Mali,2021,rural,male,60,55+,middle,secondary,self_employed,29.8,0.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2019,rural,female,68,55+,second,tertiary,employed_informal,2.1,22.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2019,rural,male,50,45-54,middle,secondary,employed_informal,5.9,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2021,rural,female,21,18-24,fourth,none,employed_informal,19.9,4.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2023,rural,female,46,45-54,fourth,secondary,unemployed,20.7,1.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2021,rural,female,40,35-44,fourth,secondary,self_employed,17.8,9.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2022,rural,female,43,35-44,second,primary,unemployed,93.7,10.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ghana,2022,urban,male,21,18-24,fourth,tertiary,employed_informal,0.4,1.6,1,savings,Absa,2,0,1326.45,none,0,1,0,low_burden |
| Uganda,2020,rural,female,36,35-44,lowest,primary,unemployed,0.9,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2020,rural,male,74,55+,middle,tertiary,employed_informal,1.9,14.3,1,savings,CBAO,0,4,0.0,none,1,1,0,low_burden |
| Mozambique,2021,urban,male,20,18-24,middle,primary,employed_informal,1.3,0.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2018,urban,female,70,55+,fourth,none,self_employed,0.2,2.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| DRC,2023,urban,male,47,45-54,highest,secondary,self_employed,3.9,0.2,1,savings,Equity BCDC,4,0,1158.12,none,0,0,0,low_burden |
| DRC,2022,rural,female,51,45-54,second,secondary,unemployed,0.9,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2020,urban,male,71,55+,fourth,tertiary,self_employed,1.1,1.0,1,savings,NMB,2,0,494.02,none,1,1,0,low_burden |
| Rwanda,2020,rural,female,30,25-34,second,secondary,student,19.5,5.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2020,rural,male,74,55+,middle,none,employed_informal,11.6,5.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2023,rural,male,33,25-34,fourth,tertiary,employed_informal,28.1,5.6,1,savings,BDM,2,0,985.27,none,0,0,0,low_burden |
| Niger,2024,urban,female,37,35-44,fourth,secondary,employed_informal,2.9,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2018,rural,male,43,35-44,highest,primary,employed_formal,26.5,0.7,1,savings,Awash Bank,1,0,2951.63,none,0,0,0,low_burden |
| Uganda,2021,rural,female,52,45-54,fourth,tertiary,unemployed,8.7,11.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2018,urban,male,36,35-44,second,none,employed_formal,0.2,1.3,1,salary_account,FNB,0,23,0.0,none,0,1,0,low_burden |
| Malawi,2021,urban,female,63,55+,highest,none,employed_informal,5.8,0.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2019,urban,female,19,18-24,highest,secondary,employed_informal,1.7,2.0,1,savings,Millennium BIM,1,0,3128.0,none,1,1,0,low_burden |
| Niger,2020,urban,female,55,45-54,second,secondary,unemployed,4.9,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2021,rural,female,55,45-54,lowest,secondary,student,3.0,15.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2020,rural,male,48,45-54,second,tertiary,unemployed,11.1,3.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2021,rural,female,52,45-54,fourth,primary,employed_informal,7.5,7.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2024,rural,female,60,55+,highest,tertiary,self_employed,15.1,8.0,1,fixed_deposit,Dashen Bank,1,0,1734.99,none,1,1,0,low_burden |
| Zambia,2024,rural,female,69,55+,fourth,none,employed_informal,39.9,7.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2018,rural,female,30,25-34,second,none,student,8.1,4.5,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Kenya,2021,rural,female,45,35-44,lowest,primary,employed_formal,16.4,3.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2024,urban,female,50,45-54,middle,none,student,1.8,2.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2022,rural,male,37,35-44,second,primary,unemployed,3.7,10.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2019,urban,female,73,55+,lowest,tertiary,unemployed,3.7,1.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2022,rural,female,47,45-54,lowest,secondary,unemployed,35.4,2.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2019,rural,female,51,45-54,lowest,secondary,employed_informal,104.1,23.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2018,rural,male,29,25-34,lowest,none,employed_informal,31.3,1.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2023,urban,female,41,35-44,fourth,tertiary,employed_informal,3.0,1.1,1,current,Commercial Bank of Ethiopia,1,0,131.56,none,0,1,0,low_burden |
| South Africa,2022,rural,female,53,45-54,second,primary,employed_informal,0.1,2.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2024,urban,female,42,35-44,second,secondary,unemployed,1.6,0.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2020,rural,male,61,55+,middle,secondary,self_employed,2.1,4.5,1,savings,CRDB,2,0,1072.93,none,0,0,0,low_burden |
| Mozambique,2024,urban,male,25,18-24,highest,none,unemployed,9.9,1.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2021,rural,male,26,25-34,fourth,secondary,unemployed,19.3,5.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2023,rural,male,37,35-44,middle,tertiary,employed_informal,40.7,12.1,1,savings,Equity Bank,1,0,262.37,none,0,1,0,low_burden |
| Zambia,2018,urban,female,36,35-44,fourth,primary,employed_informal,5.1,0.9,1,current,Absa,1,0,1055.02,none,0,0,0,low_burden |
| Mali,2018,urban,male,64,55+,fourth,secondary,employed_informal,1.1,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2024,rural,female,67,55+,fourth,tertiary,employed_formal,8.9,1.6,1,savings,First Bank,0,6,0.0,none,0,1,0,low_burden |
| Malawi,2024,urban,male,44,35-44,middle,primary,unemployed,1.1,0.9,1,savings,National Bank,2,0,453.45,none,0,1,0,low_burden |
| Uganda,2025,urban,male,46,45-54,middle,primary,unemployed,1.6,3.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2020,urban,female,34,25-34,second,primary,unemployed,0.7,0.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2018,urban,female,48,45-54,second,secondary,self_employed,1.7,0.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2025,rural,male,58,55+,second,primary,unemployed,41.0,1.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2022,rural,male,59,55+,second,primary,self_employed,13.4,6.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2019,urban,female,73,55+,second,primary,student,0.2,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2024,rural,female,50,45-54,middle,tertiary,unemployed,2.0,2.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2025,urban,male,37,35-44,middle,tertiary,unemployed,2.1,6.5,1,savings,Standard Bank,2,0,3010.47,none,0,1,0,low_burden |
| Malawi,2020,urban,female,21,18-24,lowest,secondary,employed_formal,2.7,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2024,rural,male,57,55+,second,tertiary,unemployed,37.7,1.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2024,urban,female,63,55+,second,secondary,employed_informal,10.0,2.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2022,rural,male,49,45-54,fourth,tertiary,employed_informal,19.8,19.5,1,savings,Ecobank,1,0,4276.65,none,0,0,0,low_burden |
| Niger,2023,rural,female,70,55+,second,none,self_employed,12.8,11.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Uganda,2020,rural,female,36,35-44,lowest,primary,employed_informal,0.3,6.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2025,rural,male,21,18-24,lowest,tertiary,employed_formal,0.3,7.9,1,savings,Stanbic,0,22,0.0,none,0,0,1,low_burden |
| Mali,2025,urban,male,54,45-54,middle,primary,employed_informal,9.6,3.3,1,savings,BMCD,0,12,0.0,none,0,1,1,low_burden |
| DRC,2025,urban,male,24,18-24,lowest,primary,unemployed,0.7,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2023,urban,male,22,18-24,middle,secondary,self_employed,1.9,1.3,1,savings,FDH Bank,2,0,346.2,none,0,0,0,low_burden |
| DRC,2018,rural,male,58,55+,middle,secondary,student,0.6,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2020,rural,male,42,35-44,highest,primary,unemployed,2.7,12.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2021,urban,female,52,45-54,middle,primary,employed_informal,2.2,0.3,1,savings,Dashen Bank,2,0,170.53,none,0,1,0,low_burden |
| Mozambique,2025,urban,male,60,55+,lowest,primary,unemployed,5.4,0.5,1,current,Moza Banco,2,0,66.78,none,0,1,1,low_burden |
| Tanzania,2022,urban,female,39,35-44,second,none,self_employed,5.0,3.5,1,savings,Stanbic,3,0,416.49,none,0,1,0,low_burden |
| Ghana,2022,rural,male,52,45-54,fourth,primary,employed_informal,25.5,4.0,1,current,Absa,2,0,535.29,none,1,1,0,low_burden |
| Niger,2019,rural,female,48,45-54,second,secondary,student,5.4,29.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2024,rural,male,51,45-54,highest,secondary,student,4.5,9.5,1,current,Bank of Kigali,1,0,682.46,none,0,0,1,low_burden |
| Nigeria,2020,rural,female,58,55+,middle,primary,employed_formal,10.8,5.9,1,savings,UBA,1,0,328.87,none,0,1,0,low_burden |
| DRC,2018,urban,male,39,35-44,lowest,primary,unemployed,1.4,3.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2025,rural,male,46,45-54,lowest,secondary,employed_formal,55.3,4.7,1,savings,UBA,1,0,263.9,none,0,0,0,low_burden |
| DRC,2019,rural,female,51,45-54,highest,none,student,12.9,1.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2018,urban,female,25,18-24,highest,primary,self_employed,1.0,0.2,1,savings,Stanbic,1,0,1559.31,none,0,0,1,low_burden |
| Mali,2018,rural,female,30,25-34,highest,primary,employed_informal,5.4,5.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2021,urban,male,23,18-24,second,secondary,unemployed,0.5,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2018,rural,male,29,25-34,fourth,none,self_employed,16.4,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2024,rural,female,43,35-44,lowest,primary,employed_formal,13.7,17.4,1,savings,Bank of Kigali,0,19,0.0,none,1,1,0,low_burden |
| Zambia,2022,rural,female,71,55+,second,secondary,unemployed,62.1,12.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2020,rural,female,70,55+,fourth,secondary,unemployed,0.8,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2018,urban,male,61,55+,highest,secondary,self_employed,7.1,3.9,1,savings,CRDB,0,3,0.0,none,0,0,1,low_burden |
| Mali,2021,rural,male,49,45-54,second,tertiary,unemployed,0.9,37.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2019,rural,female,29,25-34,middle,secondary,employed_formal,4.8,10.1,1,current,BHS,0,9,0.0,none,0,0,0,low_burden |
| Malawi,2025,rural,female,38,35-44,lowest,primary,employed_informal,10.5,2.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2020,rural,male,61,55+,second,primary,self_employed,11.8,12.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2021,urban,female,69,55+,lowest,none,employed_informal,3.1,4.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2018,rural,female,72,55+,highest,primary,self_employed,8.6,3.4,1,current,KCB,0,5,0.0,none,1,1,0,low_burden |
| Nigeria,2019,rural,male,40,35-44,lowest,none,student,1.8,2.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2019,urban,male,45,35-44,fourth,primary,unemployed,2.5,1.4,1,savings,GCB,3,0,560.43,none,0,1,0,low_burden |
| Uganda,2018,rural,female,47,45-54,second,secondary,self_employed,9.3,0.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2023,rural,male,21,18-24,middle,secondary,self_employed,19.1,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2025,rural,female,24,18-24,second,primary,unemployed,19.0,44.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2025,rural,female,20,18-24,second,secondary,unemployed,6.2,25.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2020,urban,male,60,55+,middle,primary,employed_formal,0.3,0.2,1,salary_account,Absa,1,0,375.82,none,0,0,1,low_burden |
| DRC,2024,rural,female,30,25-34,middle,secondary,self_employed,9.1,10.5,1,salary_account,FBNBank,1,0,439.25,none,0,0,0,low_burden |
| Senegal,2022,urban,male,57,55+,highest,secondary,employed_informal,3.0,0.5,1,savings,Ecobank,0,14,0.0,none,0,0,1,low_burden |
| Uganda,2018,rural,male,39,35-44,second,primary,employed_formal,14.1,4.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2018,rural,female,63,55+,middle,primary,employed_informal,7.0,33.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2022,rural,female,24,18-24,highest,tertiary,self_employed,3.9,8.6,1,current,BHS,2,0,1983.68,none,0,0,0,low_burden |
| Rwanda,2021,rural,male,36,35-44,second,secondary,unemployed,1.2,0.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,rural,female,29,25-34,highest,secondary,student,3.9,2.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2025,rural,female,42,35-44,highest,none,employed_informal,2.9,17.8,1,savings,CBAO,4,0,2078.98,none,0,1,0,low_burden |
| Uganda,2023,rural,female,50,45-54,fourth,primary,employed_informal,10.1,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2022,rural,female,27,25-34,middle,primary,employed_informal,0.6,1.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2025,rural,male,56,55+,fourth,tertiary,employed_informal,0.1,0.4,1,current,BDM,1,0,220.5,none,0,0,0,low_burden |
| Tanzania,2025,urban,male,72,55+,middle,none,employed_formal,0.0,0.4,1,current,Stanbic,3,0,571.33,none,0,1,1,low_burden |
| Rwanda,2025,rural,female,20,18-24,middle,primary,student,16.9,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2020,rural,male,22,18-24,highest,tertiary,employed_formal,30.8,7.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2025,rural,female,72,55+,second,primary,unemployed,4.7,3.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2022,rural,male,54,45-54,fourth,primary,employed_informal,4.2,14.2,1,savings,FDH Bank,4,0,617.06,none,0,0,1,low_burden |
| South Africa,2023,urban,male,70,55+,middle,secondary,self_employed,1.1,1.5,1,savings,Capitec,2,0,222.2,none,0,0,0,low_burden |
| Ghana,2024,rural,male,58,55+,lowest,primary,unemployed,10.7,11.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2019,urban,male,58,55+,middle,tertiary,student,1.5,0.5,1,current,Absa,2,0,371.09,none,0,0,0,low_burden |
| Malawi,2021,urban,male,26,25-34,fourth,none,employed_informal,1.0,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2019,rural,female,47,45-54,middle,secondary,student,10.1,20.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2020,urban,female,38,35-44,fourth,primary,employed_informal,1.6,1.7,1,savings,Rawbank,1,0,2078.74,none,0,1,0,low_burden |
| Kenya,2021,urban,male,65,55+,second,secondary,unemployed,3.7,0.5,1,current,Cooperative Bank,0,1,0.0,none,0,0,0,low_burden |
| Ghana,2024,rural,male,20,18-24,highest,secondary,employed_formal,22.5,2.9,1,salary_account,Stanbic,2,0,3170.06,none,0,0,0,low_burden |
| DRC,2024,rural,female,19,18-24,middle,secondary,self_employed,28.2,6.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2021,urban,male,49,45-54,fourth,tertiary,unemployed,8.2,1.8,1,savings,NCBA,4,0,891.03,none,1,0,0,low_burden |
| DRC,2020,urban,female,73,55+,second,secondary,unemployed,0.2,1.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2022,rural,female,74,55+,second,none,unemployed,25.2,0.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2025,rural,female,51,45-54,highest,none,employed_informal,2.0,3.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2025,rural,female,42,35-44,lowest,primary,unemployed,2.7,4.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2019,rural,female,33,25-34,second,primary,employed_informal,16.7,5.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2019,urban,female,74,55+,fourth,primary,employed_informal,6.1,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2023,rural,female,28,25-34,fourth,secondary,employed_formal,13.4,23.3,1,savings,Equity Bank,2,0,402.19,none,0,0,0,low_burden |
| Senegal,2020,urban,male,25,18-24,highest,secondary,employed_informal,1.4,2.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2019,rural,male,46,45-54,fourth,tertiary,employed_formal,0.3,4.5,1,current,Absa,0,10,0.0,none,0,0,0,low_burden |
| Mali,2018,urban,male,40,35-44,highest,primary,self_employed,2.7,2.8,1,current,Ecobank,0,13,0.0,none,0,0,1,low_burden |
| South Africa,2021,rural,male,46,45-54,middle,secondary,employed_formal,5.8,6.4,1,savings,Standard Bank,1,0,168.49,none,0,1,0,low_burden |
| Rwanda,2021,urban,female,69,55+,middle,secondary,self_employed,3.9,0.8,1,savings,Ecobank,4,0,235.37,none,1,1,0,low_burden |
| Malawi,2022,rural,male,33,25-34,fourth,tertiary,employed_formal,16.2,4.7,1,current,FDH Bank,0,12,0.0,none,0,0,0,low_burden |
| Malawi,2019,urban,male,67,55+,fourth,secondary,unemployed,5.7,1.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2023,rural,male,30,25-34,lowest,primary,employed_informal,24.5,1.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2023,urban,female,36,35-44,second,none,employed_informal,0.8,0.7,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Tanzania,2021,urban,female,18,18-24,middle,tertiary,self_employed,2.2,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,urban,female,56,55+,fourth,secondary,student,3.4,1.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2022,rural,male,66,55+,middle,secondary,student,4.1,16.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2023,rural,male,68,55+,fourth,secondary,employed_informal,2.7,0.6,1,savings,Equity Bank,1,0,832.45,none,0,1,0,low_burden |
| Uganda,2020,rural,female,27,25-34,fourth,secondary,student,7.8,11.1,1,savings,Centenary,2,0,846.61,none,0,0,0,low_burden |
| Uganda,2020,rural,female,61,55+,second,secondary,self_employed,5.3,4.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2022,rural,female,26,25-34,middle,tertiary,student,7.0,22.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2020,urban,female,53,45-54,middle,tertiary,employed_formal,0.8,0.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2021,rural,male,58,55+,lowest,primary,employed_formal,1.7,26.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,rural,female,26,25-34,middle,none,employed_formal,2.5,8.0,1,savings,National Bank,0,20,0.0,none,0,0,0,low_burden |
| Niger,2020,rural,female,24,18-24,middle,none,unemployed,3.9,19.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2023,rural,female,22,18-24,fourth,primary,employed_formal,34.8,0.5,1,fixed_deposit,UBA,0,15,0.0,none,0,0,0,low_burden |
| Mozambique,2021,rural,female,58,55+,second,secondary,employed_informal,6.5,2.3,1,fixed_deposit,Moza Banco,0,20,0.0,none,0,1,1,low_burden |
| Zambia,2021,rural,male,53,45-54,lowest,secondary,self_employed,8.4,7.6,1,current,First National Bank,1,0,109.24,none,0,0,0,low_burden |
| South Africa,2023,rural,male,24,18-24,middle,primary,student,46.9,9.4,1,fixed_deposit,Standard Bank,1,0,1009.13,none,0,1,0,low_burden |
| Nigeria,2020,urban,female,46,45-54,fourth,primary,self_employed,4.9,0.4,1,savings,Zenith Bank,0,13,0.0,none,0,0,1,low_burden |
| Zambia,2018,rural,female,63,55+,middle,secondary,unemployed,10.3,0.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2024,rural,male,31,25-34,second,secondary,employed_informal,32.2,1.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2018,rural,male,52,45-54,highest,secondary,student,30.3,21.5,1,current,First National Bank,1,0,2257.92,none,0,1,0,low_burden |
| Malawi,2022,rural,female,34,25-34,lowest,none,employed_formal,41.9,4.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2020,urban,male,32,25-34,second,primary,employed_informal,4.3,0.7,1,current,Zenith Bank,2,0,40.19,none,1,0,1,low_burden |
| Ethiopia,2019,urban,male,40,35-44,second,secondary,self_employed,0.6,2.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2018,urban,female,38,35-44,fourth,secondary,employed_informal,8.0,5.2,1,current,Absa,2,0,899.6,none,0,0,0,low_burden |
| Tanzania,2025,rural,female,46,45-54,fourth,secondary,self_employed,7.5,6.7,1,current,Absa,2,0,1508.68,none,0,0,0,low_burden |
| Niger,2021,urban,female,29,25-34,lowest,tertiary,self_employed,3.4,0.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2020,rural,female,40,35-44,fourth,none,employed_informal,25.6,44.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Rwanda,2023,rural,male,53,45-54,fourth,primary,employed_formal,46.0,0.7,1,savings,Bank of Kigali,2,0,969.28,none,0,1,0,low_burden |
| Ethiopia,2018,rural,female,40,35-44,highest,primary,employed_formal,13.9,2.5,1,savings,Dashen Bank,2,0,2643.38,none,0,0,0,low_burden |
| South Africa,2022,urban,female,55,45-54,highest,primary,employed_formal,2.6,0.9,1,current,Capitec,0,9,0.0,none,0,1,0,low_burden |
| Uganda,2021,rural,female,24,18-24,fourth,primary,student,34.5,2.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ethiopia,2022,urban,female,25,18-24,lowest,none,self_employed,2.4,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2018,rural,male,67,55+,second,none,employed_formal,0.5,11.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ethiopia,2025,urban,male,44,35-44,highest,secondary,employed_formal,2.4,0.8,1,savings,Awash Bank,0,8,0.0,none,0,1,1,low_burden |
| South Africa,2019,urban,male,52,45-54,middle,none,unemployed,8.6,2.2,1,savings,Capitec,2,0,404.98,none,0,1,1,low_burden |
| Ethiopia,2023,urban,male,60,55+,middle,secondary,unemployed,9.8,0.3,1,salary_account,Commercial Bank of Ethiopia,1,0,474.57,none,0,0,1,low_burden |
| Mozambique,2023,rural,female,26,25-34,highest,primary,student,0.5,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2020,urban,male,73,55+,highest,primary,employed_informal,2.1,3.2,1,salary_account,Absa,0,17,0.0,none,0,0,1,low_burden |
| Niger,2019,rural,female,42,35-44,fourth,none,self_employed,16.1,4.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2020,rural,male,68,55+,highest,none,employed_formal,8.6,8.0,1,savings,FDH Bank,0,23,0.0,none,0,0,0,low_burden |
| Ghana,2024,rural,male,41,35-44,lowest,primary,unemployed,0.2,19.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2025,urban,male,41,35-44,fourth,secondary,employed_informal,2.5,1.4,1,savings,Ecobank,3,0,795.62,none,0,1,0,low_burden |
| South Africa,2025,urban,male,52,45-54,highest,tertiary,unemployed,1.2,1.4,1,savings,Absa,3,0,1923.44,none,0,1,0,low_burden |
| Ghana,2019,rural,female,28,25-34,lowest,none,employed_formal,25.5,3.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2022,urban,female,52,45-54,lowest,none,unemployed,2.0,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2019,rural,male,74,55+,fourth,none,employed_informal,5.4,8.8,1,savings,GCB,0,24,0.0,none,1,1,0,low_burden |
| Niger,2023,urban,female,54,45-54,middle,secondary,unemployed,0.3,2.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2021,rural,female,21,18-24,lowest,primary,employed_informal,37.0,15.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2023,urban,female,57,55+,second,primary,unemployed,1.4,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2023,rural,male,19,18-24,second,tertiary,employed_formal,15.3,2.5,1,savings,Coris Bank,1,0,210.89,none,0,1,0,low_burden |
| Tanzania,2025,urban,male,23,18-24,second,tertiary,self_employed,0.6,1.1,1,savings,Absa,0,6,0.0,none,0,0,0,low_burden |
| Uganda,2021,rural,female,34,25-34,highest,secondary,unemployed,10.6,17.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2020,urban,female,35,25-34,middle,none,employed_informal,0.3,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2022,rural,male,18,18-24,fourth,primary,employed_informal,2.6,3.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2019,rural,female,18,18-24,lowest,primary,employed_informal,4.0,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2018,urban,male,62,55+,second,secondary,employed_informal,0.6,0.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Malawi,2022,urban,female,43,35-44,second,secondary,self_employed,0.0,0.1,1,fixed_deposit,Standard Bank,0,11,0.0,none,0,1,0,low_burden |
| Niger,2024,urban,male,29,25-34,highest,none,employed_formal,1.3,0.1,1,savings,BAK,1,0,3978.24,none,0,0,0,low_burden |
| Ghana,2022,urban,female,42,35-44,highest,tertiary,employed_formal,1.9,0.7,1,savings,Stanbic,1,0,5181.41,none,0,1,1,low_burden |
| Niger,2024,urban,male,57,55+,second,primary,employed_informal,0.8,3.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2019,rural,male,59,55+,highest,secondary,employed_informal,14.9,8.2,1,current,NBC,2,0,1085.5,none,0,1,1,low_burden |
| DRC,2021,rural,female,34,25-34,lowest,none,employed_informal,13.5,4.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2022,urban,male,27,25-34,second,primary,unemployed,4.2,1.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2020,rural,female,72,55+,fourth,none,employed_formal,45.5,27.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2018,urban,female,53,45-54,second,secondary,student,4.2,0.4,1,savings,Access Bank,4,0,131.58,none,0,1,1,low_burden |
| Malawi,2018,rural,male,74,55+,highest,none,unemployed,19.5,6.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2025,urban,male,35,25-34,lowest,primary,employed_informal,3.3,0.4,1,salary_account,Equity BCDC,0,15,0.0,none,1,1,0,low_burden |
| Kenya,2022,rural,female,24,18-24,fourth,secondary,unemployed,24.6,5.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2020,rural,female,39,35-44,lowest,secondary,self_employed,3.7,5.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2020,urban,female,36,35-44,lowest,secondary,self_employed,3.8,3.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2018,urban,male,58,55+,second,secondary,employed_informal,0.9,1.1,1,savings,Orabank,1,0,114.25,none,0,0,1,low_burden |
| Rwanda,2025,urban,female,58,55+,highest,secondary,self_employed,0.3,1.8,1,savings,Ecobank,2,0,2295.21,none,0,0,0,low_burden |
| Malawi,2018,rural,female,22,18-24,middle,secondary,employed_formal,7.4,3.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2024,rural,female,51,45-54,middle,primary,self_employed,1.9,15.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2019,rural,male,37,35-44,lowest,none,employed_formal,0.1,11.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Nigeria,2020,rural,male,53,45-54,lowest,primary,self_employed,1.2,0.4,1,savings,First Bank,1,0,294.38,none,0,0,1,low_burden |
| Senegal,2020,rural,female,40,35-44,lowest,none,self_employed,11.4,21.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2024,rural,female,48,45-54,fourth,primary,employed_informal,7.4,1.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2018,rural,male,58,55+,lowest,primary,employed_informal,3.5,2.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2020,rural,female,34,25-34,second,none,unemployed,36.0,24.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2020,urban,male,29,25-34,middle,secondary,employed_informal,0.1,5.6,1,savings,Equity Bank,0,22,0.0,none,0,1,0,low_burden |
| Mali,2020,rural,male,58,55+,middle,secondary,employed_formal,37.0,3.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2019,urban,male,72,55+,second,secondary,employed_informal,2.0,1.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2025,urban,male,43,35-44,lowest,tertiary,student,2.1,1.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2021,rural,male,74,55+,second,primary,unemployed,0.7,2.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2021,urban,male,28,25-34,fourth,primary,self_employed,2.1,1.2,1,savings,Access Bank,0,8,0.0,none,0,1,0,low_burden |
| Zambia,2021,urban,male,64,55+,lowest,primary,unemployed,1.9,2.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2025,urban,female,74,55+,fourth,secondary,self_employed,5.3,1.8,1,salary_account,Access Bank,2,0,1143.61,none,1,0,1,low_burden |
| Tanzania,2020,rural,female,35,25-34,lowest,primary,unemployed,4.1,2.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2020,rural,female,26,25-34,highest,tertiary,self_employed,8.5,10.1,1,fixed_deposit,Bank of Kigali,0,19,0.0,none,0,0,1,low_burden |
| Nigeria,2020,urban,male,55,45-54,highest,primary,unemployed,9.4,2.4,1,salary_account,GTBank,0,21,0.0,none,1,0,0,low_burden |
| Niger,2020,urban,female,67,55+,lowest,primary,self_employed,1.8,0.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2018,rural,male,22,18-24,second,secondary,employed_informal,45.1,34.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2022,rural,female,54,45-54,second,primary,employed_formal,8.7,0.9,1,current,Access Bank,2,0,498.07,none,0,0,0,low_burden |
| Senegal,2018,urban,female,67,55+,fourth,secondary,employed_formal,2.3,0.0,1,savings,CBAO,1,0,523.17,none,0,1,0,low_burden |
| Mali,2019,rural,male,19,18-24,middle,secondary,self_employed,8.7,12.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,rural,male,47,45-54,middle,secondary,student,1.2,1.8,1,salary_account,Access Bank,3,0,101.75,none,0,0,1,low_burden |
| Tanzania,2020,urban,female,22,18-24,lowest,secondary,unemployed,3.8,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2024,rural,female,28,25-34,lowest,primary,unemployed,1.3,0.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2022,rural,female,45,35-44,fourth,primary,self_employed,17.0,4.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2025,rural,female,36,35-44,middle,secondary,student,62.8,11.4,1,current,BHS,1,0,335.89,none,1,0,0,low_burden |
| Malawi,2020,rural,female,22,18-24,fourth,primary,unemployed,6.0,1.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ethiopia,2025,rural,male,63,55+,fourth,primary,employed_informal,2.6,6.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2018,rural,female,29,25-34,middle,none,self_employed,13.6,20.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2022,rural,male,67,55+,middle,secondary,employed_informal,37.3,10.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2024,rural,female,28,25-34,highest,none,employed_informal,6.5,22.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2022,rural,male,47,45-54,fourth,tertiary,employed_informal,36.3,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2025,rural,female,59,55+,highest,none,employed_informal,0.8,19.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2020,rural,female,45,35-44,highest,primary,employed_informal,77.0,5.9,1,savings,Standard Bank,0,5,0.0,none,0,1,0,low_burden |
| Malawi,2018,urban,male,41,35-44,second,primary,employed_informal,1.4,2.5,1,current,FDH Bank,0,8,0.0,none,0,1,0,low_burden |
| Zambia,2024,urban,male,60,55+,fourth,primary,student,0.5,0.4,1,current,Absa,3,0,3095.49,none,0,1,0,low_burden |
| Zambia,2018,urban,male,18,18-24,fourth,primary,employed_informal,0.6,1.8,1,current,Absa,0,11,0.0,none,0,1,1,low_burden |
| Mali,2024,rural,female,65,55+,lowest,secondary,unemployed,6.2,1.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2023,urban,female,57,55+,middle,none,employed_formal,7.8,2.1,1,fixed_deposit,Cooperative Bank,1,0,617.97,none,0,1,0,low_burden |
| Uganda,2024,rural,male,61,55+,second,primary,student,20.4,6.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2021,urban,male,41,35-44,second,none,unemployed,3.5,3.5,1,salary_account,Absa,1,0,470.71,none,0,0,1,low_burden |
| Zambia,2025,urban,female,39,35-44,lowest,primary,student,3.4,0.0,1,current,First National Bank,4,0,379.33,none,0,1,1,low_burden |
| Niger,2019,rural,male,50,45-54,fourth,tertiary,self_employed,7.7,4.9,1,salary_account,BAK,4,0,420.96,none,0,0,0,low_burden |
| Zambia,2021,urban,female,54,45-54,fourth,primary,self_employed,0.2,3.3,1,current,Absa,2,0,985.74,none,0,0,1,low_burden |
| Malawi,2018,rural,male,70,55+,middle,secondary,employed_informal,4.5,6.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2024,urban,male,66,55+,lowest,primary,self_employed,0.3,0.0,1,savings,Absa,0,21,0.0,none,0,1,0,low_burden |
| Nigeria,2023,rural,male,21,18-24,middle,primary,unemployed,48.2,5.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2024,urban,female,26,25-34,lowest,secondary,employed_formal,0.7,1.8,1,current,Société Générale,0,23,0.0,none,0,0,0,low_burden |
| Senegal,2024,rural,male,71,55+,second,none,employed_formal,49.3,10.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2020,rural,male,40,35-44,second,tertiary,unemployed,1.0,1.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| DRC,2018,urban,female,51,45-54,highest,primary,employed_formal,1.6,0.5,1,current,FBNBank,0,4,0.0,none,1,1,0,low_burden |
| Tanzania,2025,urban,female,21,18-24,second,primary,unemployed,4.0,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2021,urban,male,23,18-24,middle,tertiary,employed_informal,0.3,0.2,1,savings,Nedbank,0,5,0.0,none,0,1,1,low_burden |
| Tanzania,2018,rural,male,41,35-44,highest,primary,employed_informal,4.8,6.9,1,current,NBC,4,0,2500.81,none,0,0,1,low_burden |
| Senegal,2025,rural,female,58,55+,second,tertiary,employed_informal,0.4,2.9,1,savings,CBAO,2,0,158.95,none,0,1,0,low_burden |
| Zambia,2025,urban,male,62,55+,highest,tertiary,self_employed,0.9,2.8,1,savings,Zanaco,0,10,0.0,none,0,1,0,low_burden |
| DRC,2021,rural,female,68,55+,lowest,primary,unemployed,32.0,0.1,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Malawi,2024,rural,male,29,25-34,second,primary,unemployed,13.9,0.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2018,rural,male,29,25-34,lowest,secondary,employed_informal,2.8,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2018,rural,male,48,45-54,middle,primary,employed_informal,4.0,4.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2020,rural,female,49,45-54,highest,secondary,unemployed,2.8,3.9,1,current,Dashen Bank,2,0,2220.96,none,0,0,0,low_burden |
| DRC,2023,rural,male,20,18-24,middle,none,employed_formal,28.2,1.5,1,salary_account,BCDC,0,2,0.0,none,0,0,0,low_burden |
| Kenya,2019,rural,male,43,35-44,middle,primary,employed_formal,13.4,8.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2018,urban,male,69,55+,second,secondary,self_employed,0.8,1.0,1,savings,BCI,1,0,944.73,none,1,0,0,low_burden |
| Senegal,2023,urban,female,27,25-34,highest,secondary,unemployed,3.3,0.8,1,current,BHS,0,13,0.0,none,0,0,0,low_burden |
| Nigeria,2024,urban,male,64,55+,middle,secondary,employed_informal,2.2,1.1,1,savings,UBA,1,0,362.87,none,0,0,0,low_burden |
| Tanzania,2023,rural,female,43,35-44,second,secondary,employed_formal,8.2,34.6,1,current,Stanbic,0,7,0.0,none,0,0,0,low_burden |
| Senegal,2024,urban,female,47,45-54,highest,primary,student,0.3,2.3,1,fixed_deposit,CBAO,0,10,0.0,none,0,0,0,low_burden |
| Tanzania,2024,rural,male,54,45-54,second,primary,student,14.1,7.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2022,rural,female,58,55+,second,primary,self_employed,5.8,4.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2022,rural,female,54,45-54,lowest,primary,unemployed,3.4,8.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2024,rural,male,23,18-24,lowest,primary,student,19.4,3.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Uganda,2020,urban,male,34,25-34,fourth,secondary,self_employed,9.3,4.1,1,salary_account,Stanbic,4,0,207.83,none,0,1,1,low_burden |
| Tanzania,2018,rural,male,66,55+,middle,primary,unemployed,71.3,12.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2024,urban,male,20,18-24,highest,none,self_employed,10.7,1.6,1,savings,Absa,3,0,1905.85,none,0,0,0,low_burden |
| Rwanda,2020,rural,female,58,55+,lowest,secondary,employed_informal,62.7,3.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2025,rural,female,47,45-54,middle,none,unemployed,6.7,6.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2021,rural,female,24,18-24,fourth,tertiary,unemployed,15.1,13.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2024,rural,male,24,18-24,middle,primary,employed_informal,0.3,7.9,1,fixed_deposit,Absa,1,0,295.71,none,0,1,0,low_burden |
| Mali,2018,urban,male,73,55+,middle,none,self_employed,2.2,0.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2023,rural,male,19,18-24,middle,tertiary,unemployed,1.1,5.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2021,rural,female,19,18-24,fourth,secondary,employed_informal,2.7,0.3,1,fixed_deposit,Equity Bank,2,0,952.87,none,0,1,0,low_burden |
| Rwanda,2021,rural,male,18,18-24,highest,secondary,unemployed,15.8,10.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2020,urban,female,53,45-54,second,primary,employed_formal,1.9,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2025,urban,female,70,55+,second,primary,self_employed,4.0,0.6,1,savings,FNB,0,1,0.0,none,0,0,1,low_burden |
| Ghana,2021,rural,male,27,25-34,middle,secondary,student,10.3,10.0,1,savings,Ecobank,1,0,254.9,none,1,1,1,low_burden |
| Ghana,2024,urban,female,63,55+,second,primary,unemployed,9.8,0.2,1,current,GCB,0,6,0.0,none,0,1,0,low_burden |
| Kenya,2021,rural,female,58,55+,lowest,secondary,unemployed,83.3,1.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2018,rural,female,31,25-34,highest,primary,unemployed,9.9,0.5,1,savings,Zenith Bank,0,4,0.0,none,0,0,0,low_burden |
| Senegal,2025,rural,male,22,18-24,lowest,primary,self_employed,16.4,6.9,1,current,Société Générale,1,0,193.13,none,0,1,0,low_burden |
| Senegal,2019,urban,male,45,35-44,lowest,none,self_employed,0.5,1.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ethiopia,2020,rural,female,22,18-24,middle,secondary,employed_informal,35.9,3.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2024,urban,male,24,18-24,lowest,primary,self_employed,0.6,1.8,1,savings,NBC,2,0,490.97,none,0,0,0,low_burden |
| DRC,2025,rural,female,44,35-44,lowest,tertiary,self_employed,13.7,1.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2025,rural,male,64,55+,lowest,primary,self_employed,7.1,15.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2021,urban,female,74,55+,lowest,primary,employed_informal,6.1,0.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| South Africa,2024,urban,female,53,45-54,second,primary,employed_informal,1.7,1.0,1,savings,Capitec,2,0,327.79,none,0,0,1,low_burden |
| Tanzania,2020,urban,male,33,25-34,fourth,secondary,employed_informal,5.0,0.4,1,savings,NBC,1,0,220.37,none,0,1,1,low_burden |
| Ghana,2023,rural,male,36,35-44,second,secondary,employed_informal,26.3,8.0,1,savings,GCB,1,0,452.68,none,0,0,0,low_burden |
| South Africa,2022,rural,female,52,45-54,second,primary,self_employed,1.0,0.3,1,savings,FNB,2,0,340.54,none,0,0,0,low_burden |
| Rwanda,2018,urban,male,27,25-34,middle,primary,employed_formal,4.2,0.0,1,fixed_deposit,Ecobank,4,0,593.0,none,0,0,0,low_burden |
| Tanzania,2021,urban,female,47,45-54,second,secondary,student,1.2,3.3,1,current,CRDB,0,6,0.0,none,0,1,1,low_burden |
| Rwanda,2021,rural,female,61,55+,second,primary,employed_formal,9.4,0.2,1,savings,I&M Bank,1,0,730.09,none,1,0,0,low_burden |
| Zambia,2020,urban,male,66,55+,second,secondary,unemployed,3.2,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2020,rural,female,21,18-24,second,secondary,employed_informal,1.8,28.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2022,rural,female,34,25-34,second,primary,unemployed,12.5,4.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2018,rural,female,32,25-34,lowest,secondary,unemployed,14.7,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2019,rural,male,49,45-54,highest,secondary,student,23.2,13.9,1,current,Nedbank,3,0,1090.68,none,0,0,0,low_burden |
| Nigeria,2024,rural,male,28,25-34,highest,none,unemployed,44.3,31.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2020,rural,male,72,55+,highest,primary,unemployed,14.5,1.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2022,urban,female,70,55+,lowest,primary,employed_informal,0.2,0.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2022,urban,female,36,35-44,fourth,secondary,self_employed,1.8,1.1,1,savings,NCBA,1,0,654.7,none,0,0,0,low_burden |
| Tanzania,2022,rural,female,41,35-44,middle,secondary,employed_informal,6.0,4.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2021,urban,male,43,35-44,lowest,primary,unemployed,0.0,3.3,1,savings,National Bank,2,0,80.73,none,0,0,0,low_burden |
| South Africa,2021,rural,female,20,18-24,highest,primary,unemployed,11.1,0.1,1,savings,Capitec,1,0,1937.77,none,0,0,0,low_burden |
| South Africa,2024,rural,female,68,55+,fourth,none,employed_informal,2.1,34.5,1,savings,Absa,4,0,942.3,none,0,0,0,low_burden |
| Nigeria,2025,rural,female,62,55+,lowest,none,self_employed,3.4,8.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2020,urban,male,36,35-44,highest,primary,employed_informal,0.4,0.3,1,savings,BCI,3,0,1348.61,none,0,1,1,low_burden |
| Uganda,2023,rural,female,49,45-54,lowest,none,self_employed,3.4,1.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2025,rural,male,39,35-44,second,none,self_employed,51.0,10.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2018,urban,male,31,25-34,lowest,secondary,self_employed,1.7,0.8,1,current,Equity BCDC,1,0,334.38,none,1,0,1,low_burden |
| Mozambique,2024,rural,female,35,25-34,lowest,secondary,unemployed,20.2,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2021,rural,female,24,18-24,highest,none,employed_informal,1.9,0.8,1,salary_account,Fidelity,0,11,0.0,none,0,1,0,low_burden |
| Mozambique,2025,rural,male,64,55+,middle,secondary,unemployed,37.8,2.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2022,rural,female,55,45-54,second,none,unemployed,38.8,1.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2024,urban,female,71,55+,fourth,primary,employed_informal,3.4,1.4,1,savings,Stanbic,2,0,359.69,none,0,1,0,low_burden |
| Zambia,2019,rural,male,18,18-24,highest,tertiary,employed_informal,21.2,11.4,1,savings,Stanbic,0,6,0.0,none,0,0,0,low_burden |
| Tanzania,2019,rural,female,53,45-54,highest,secondary,employed_formal,11.9,18.5,1,current,Stanbic,0,19,0.0,none,0,1,0,low_burden |
| Kenya,2025,urban,male,49,45-54,highest,none,self_employed,6.8,0.2,1,fixed_deposit,KCB,1,0,1837.51,none,1,0,1,low_burden |
| Mali,2022,rural,male,53,45-54,highest,primary,unemployed,32.0,1.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2022,urban,male,74,55+,middle,secondary,employed_formal,3.2,2.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Rwanda,2019,urban,female,40,35-44,second,primary,employed_formal,4.4,3.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2019,rural,male,26,25-34,highest,tertiary,self_employed,18.6,4.4,1,savings,National Bank,1,0,2685.16,none,0,1,0,low_burden |
| Ethiopia,2024,urban,male,18,18-24,lowest,primary,employed_informal,5.0,0.1,1,fixed_deposit,Dashen Bank,3,0,119.22,none,0,0,1,low_burden |
| Mozambique,2020,rural,female,46,45-54,lowest,none,employed_informal,2.6,3.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2022,urban,female,27,25-34,second,secondary,self_employed,4.3,1.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2020,rural,female,26,25-34,second,secondary,employed_informal,1.4,5.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2020,urban,female,26,25-34,middle,primary,unemployed,2.4,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2019,rural,male,33,25-34,highest,tertiary,employed_informal,23.1,8.0,1,salary_account,Commercial Bank of Ethiopia,0,11,0.0,none,1,0,0,low_burden |
| Ghana,2025,urban,male,24,18-24,middle,tertiary,self_employed,5.6,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2025,rural,female,45,35-44,middle,none,employed_informal,4.1,5.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2018,urban,female,55,45-54,second,none,employed_informal,0.9,0.6,1,savings,FNB,1,0,111.7,none,0,1,0,low_burden |
| South Africa,2020,urban,male,34,25-34,fourth,primary,self_employed,5.2,0.9,1,savings,Capitec,2,0,212.37,none,0,0,0,low_burden |
| Ghana,2022,rural,male,25,18-24,lowest,secondary,unemployed,1.3,1.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2021,rural,male,50,45-54,lowest,secondary,student,6.7,6.7,1,current,KCB,2,0,208.28,none,0,1,0,low_burden |
| Uganda,2023,rural,male,22,18-24,middle,primary,employed_formal,16.3,9.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2020,urban,female,60,55+,middle,tertiary,self_employed,1.7,1.5,1,savings,Equity Bank,1,0,1938.81,none,0,0,0,low_burden |
| DRC,2018,urban,female,39,35-44,second,primary,self_employed,4.0,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2020,rural,male,41,35-44,second,secondary,employed_formal,4.3,12.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2022,rural,female,32,25-34,lowest,secondary,unemployed,3.0,0.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2019,urban,female,34,25-34,fourth,none,employed_informal,1.6,3.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2024,rural,male,26,25-34,second,primary,unemployed,44.0,10.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2018,rural,male,49,45-54,second,primary,self_employed,11.9,8.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2018,rural,female,26,25-34,highest,tertiary,employed_informal,17.9,9.9,1,savings,CBAO,0,6,0.0,none,0,0,0,low_burden |
| Niger,2022,urban,male,56,55+,fourth,primary,unemployed,3.8,0.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2022,rural,female,32,25-34,lowest,secondary,employed_informal,13.9,0.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2020,urban,female,50,45-54,middle,primary,unemployed,3.5,1.8,1,fixed_deposit,Cooperative Bank,1,0,307.0,none,0,0,0,low_burden |
| Nigeria,2020,rural,female,48,45-54,lowest,primary,unemployed,1.3,15.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2018,urban,female,54,45-54,lowest,tertiary,self_employed,0.2,1.1,1,current,Absa,3,0,263.93,none,0,0,1,low_burden |
| Tanzania,2023,rural,female,61,55+,fourth,primary,employed_informal,14.1,6.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2021,rural,female,49,45-54,lowest,secondary,self_employed,48.8,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2018,rural,male,66,55+,second,primary,self_employed,3.0,11.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2021,urban,female,32,25-34,highest,none,self_employed,1.9,0.2,1,current,Stanbic,1,0,238.49,none,0,0,0,low_burden |
| South Africa,2025,urban,female,60,55+,fourth,none,self_employed,1.8,0.1,1,current,Standard Bank,1,0,1111.24,none,0,0,0,low_burden |
| Zambia,2020,rural,female,37,35-44,highest,primary,employed_informal,6.3,9.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2025,rural,female,53,45-54,highest,secondary,unemployed,17.0,12.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2020,rural,male,46,45-54,second,primary,unemployed,74.3,5.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2019,urban,female,69,55+,middle,primary,unemployed,10.4,0.3,1,savings,Zenith Bank,4,0,209.32,none,0,0,0,low_burden |
| South Africa,2020,rural,female,33,25-34,second,none,employed_informal,23.8,1.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2020,urban,female,47,45-54,fourth,secondary,self_employed,3.0,6.7,1,current,Stanbic,0,15,0.0,none,0,0,0,low_burden |
| Nigeria,2018,urban,female,27,25-34,second,secondary,self_employed,5.1,2.7,1,fixed_deposit,GTBank,3,0,244.68,none,0,0,0,low_burden |
| Ghana,2022,urban,female,54,45-54,lowest,secondary,unemployed,0.1,0.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Tanzania,2020,rural,female,20,18-24,lowest,tertiary,unemployed,7.0,6.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2023,urban,male,41,35-44,fourth,none,unemployed,3.0,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2021,urban,male,18,18-24,lowest,none,employed_informal,0.3,0.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2021,rural,female,36,35-44,middle,secondary,unemployed,19.0,2.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2021,rural,female,45,35-44,highest,primary,unemployed,2.5,4.2,1,current,Standard Bank,2,0,1768.17,none,1,0,0,low_burden |
| Uganda,2019,urban,female,36,35-44,fourth,secondary,employed_informal,7.7,0.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2023,urban,male,39,35-44,second,secondary,employed_formal,0.2,6.0,1,savings,NMB,1,0,88.76,none,0,0,0,low_burden |
| Zambia,2018,rural,male,26,25-34,lowest,none,employed_formal,11.5,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2023,urban,male,58,55+,highest,tertiary,self_employed,2.4,2.4,1,current,Moza Banco,4,0,20560.38,none,0,0,0,low_burden |
| Niger,2025,urban,female,63,55+,middle,none,employed_informal,6.1,2.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mali,2024,rural,female,43,35-44,second,secondary,employed_informal,30.0,11.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2021,urban,female,21,18-24,highest,primary,self_employed,2.1,3.3,1,current,Ecobank,0,21,0.0,none,0,0,1,low_burden |
| Malawi,2020,rural,male,21,18-24,lowest,secondary,unemployed,2.7,12.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2024,urban,female,56,55+,second,none,unemployed,1.4,1.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2020,urban,female,70,55+,lowest,tertiary,unemployed,3.4,0.0,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| DRC,2021,urban,male,67,55+,lowest,tertiary,unemployed,1.5,1.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2024,urban,female,41,35-44,second,secondary,self_employed,0.4,0.6,1,savings,Cooperative Bank,3,0,206.51,none,1,1,0,low_burden |
| Niger,2025,urban,female,46,45-54,fourth,secondary,unemployed,1.9,2.8,1,savings,Sonibank,0,12,0.0,none,1,1,0,low_burden |
| Uganda,2025,urban,male,27,25-34,second,secondary,employed_informal,1.2,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2018,rural,male,22,18-24,fourth,secondary,unemployed,1.8,1.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2025,rural,female,61,55+,fourth,secondary,unemployed,12.7,8.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2018,urban,female,42,35-44,highest,secondary,unemployed,0.5,2.4,1,savings,Equity Bank,1,0,2697.86,none,0,0,1,low_burden |
| Malawi,2022,rural,female,46,45-54,lowest,tertiary,self_employed,38.1,1.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2025,rural,female,37,35-44,fourth,secondary,employed_informal,60.4,8.4,1,savings,KCB,0,24,0.0,none,0,1,0,low_burden |
| Senegal,2023,rural,male,35,25-34,lowest,primary,employed_informal,4.3,0.8,1,savings,CBAO,1,0,607.13,none,0,0,1,low_burden |
| Mozambique,2025,urban,female,74,55+,fourth,tertiary,employed_formal,1.0,0.4,1,savings,BCI,0,9,0.0,none,0,1,0,low_burden |
| Uganda,2020,urban,female,64,55+,second,primary,employed_formal,1.5,1.1,1,savings,Centenary,1,0,423.76,none,0,1,1,low_burden |
| Ethiopia,2020,urban,male,57,55+,fourth,none,employed_informal,4.6,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2020,urban,female,40,35-44,lowest,tertiary,employed_formal,4.6,0.2,1,savings,Absa,0,12,0.0,none,0,0,0,low_burden |
| Tanzania,2020,urban,male,59,55+,middle,primary,unemployed,0.0,1.2,1,current,NMB,1,0,187.25,none,0,1,0,low_burden |
| Uganda,2023,rural,male,37,35-44,lowest,none,self_employed,8.3,16.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2021,rural,male,47,45-54,lowest,secondary,unemployed,11.1,2.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2023,urban,female,26,25-34,middle,secondary,self_employed,1.6,1.5,1,current,Absa,0,11,0.0,none,0,0,0,low_burden |
| Rwanda,2021,rural,male,58,55+,second,none,employed_informal,0.4,0.1,1,current,Bank of Kigali,2,0,363.86,none,0,0,1,low_burden |
| Tanzania,2020,urban,male,21,18-24,fourth,primary,employed_informal,0.6,1.2,1,current,NMB,2,0,189.52,none,0,0,0,low_burden |
| South Africa,2019,rural,female,59,55+,fourth,none,unemployed,25.5,3.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2022,rural,male,52,45-54,middle,primary,employed_formal,7.5,7.2,1,savings,Absa,2,0,383.68,none,0,0,0,low_burden |
| Tanzania,2025,urban,female,21,18-24,fourth,primary,unemployed,1.8,0.8,1,current,Absa,2,0,3153.04,none,1,1,1,low_burden |
| South Africa,2024,rural,female,46,45-54,fourth,none,employed_informal,2.9,7.1,1,current,Absa,0,24,0.0,none,0,1,0,low_burden |
| Mozambique,2020,rural,male,30,25-34,highest,tertiary,employed_informal,1.0,7.0,1,current,BCI,0,18,0.0,none,0,0,0,low_burden |
| Zambia,2021,rural,male,45,35-44,lowest,secondary,employed_formal,26.0,0.7,1,current,Zanaco,2,0,59.48,none,0,0,0,low_burden |
| Kenya,2023,rural,female,18,18-24,middle,secondary,self_employed,7.2,10.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2022,rural,male,59,55+,fourth,tertiary,employed_formal,7.0,14.3,1,savings,Société Générale,1,0,426.35,none,0,1,1,low_burden |
| Senegal,2018,urban,male,47,45-54,lowest,tertiary,unemployed,7.6,3.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Nigeria,2022,urban,female,38,35-44,second,secondary,employed_formal,2.1,0.7,1,current,Zenith Bank,2,0,1476.59,none,0,0,1,low_burden |
| Rwanda,2018,rural,female,67,55+,second,primary,employed_informal,11.6,5.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2018,urban,female,54,45-54,middle,secondary,employed_formal,0.0,1.0,1,current,BCDC,0,14,0.0,none,0,0,0,low_burden |
| Uganda,2023,rural,female,52,45-54,second,secondary,student,13.4,2.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2018,rural,female,26,25-34,middle,primary,self_employed,22.9,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2020,urban,female,46,45-54,middle,primary,self_employed,5.8,0.9,1,savings,GTBank,1,0,434.94,none,0,1,0,low_burden |
| Mali,2022,urban,female,57,55+,middle,primary,self_employed,1.6,2.6,1,savings,BDM,1,0,244.61,none,0,1,1,low_burden |
| Malawi,2023,rural,female,70,55+,second,primary,unemployed,13.3,4.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2021,urban,female,52,45-54,fourth,secondary,employed_formal,7.4,4.4,1,savings,KCB,2,0,1125.49,none,1,0,1,low_burden |
| South Africa,2018,urban,female,27,25-34,middle,primary,unemployed,0.9,4.4,1,savings,Nedbank,3,0,343.63,none,1,1,1,low_burden |
| Nigeria,2024,urban,male,56,55+,lowest,primary,unemployed,0.6,1.1,1,salary_account,First Bank,2,0,20.94,none,0,0,0,low_burden |
| Senegal,2025,rural,female,22,18-24,lowest,none,employed_formal,23.2,1.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Nigeria,2025,rural,female,35,25-34,second,tertiary,employed_formal,41.8,6.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2023,urban,male,70,55+,highest,primary,self_employed,5.0,1.0,1,current,BCI,2,0,559.05,none,0,1,0,low_burden |
| Mali,2021,rural,male,63,55+,second,primary,employed_formal,12.2,3.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2025,urban,female,69,55+,lowest,secondary,employed_informal,7.0,0.7,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Malawi,2021,rural,male,38,35-44,lowest,secondary,employed_informal,26.2,3.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2019,urban,male,56,55+,lowest,secondary,employed_informal,1.4,1.5,1,savings,Stanbic,2,0,953.56,none,0,1,0,low_burden |
| Rwanda,2024,rural,male,57,55+,second,secondary,unemployed,2.5,0.2,1,savings,Equity Bank,3,0,435.77,none,0,1,0,low_burden |
| Mali,2020,rural,male,32,25-34,fourth,primary,self_employed,18.2,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2025,rural,female,71,55+,second,tertiary,self_employed,4.5,7.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2020,urban,male,73,55+,fourth,secondary,self_employed,2.8,0.9,1,current,Cooperative Bank,3,0,2658.61,none,0,0,0,low_burden |
| Rwanda,2024,rural,male,24,18-24,lowest,secondary,employed_informal,46.1,25.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Uganda,2022,rural,female,61,55+,second,none,self_employed,15.3,0.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2021,rural,male,43,35-44,fourth,secondary,unemployed,0.1,6.7,1,current,Absa,0,9,0.0,none,0,1,0,low_burden |
| DRC,2020,rural,male,56,55+,fourth,primary,employed_informal,29.1,18.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ghana,2024,rural,female,49,45-54,highest,primary,self_employed,17.1,1.3,1,savings,Fidelity,0,2,0.0,none,0,0,0,low_burden |
| Mali,2018,urban,female,30,25-34,second,secondary,unemployed,1.0,1.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2021,rural,female,23,18-24,middle,secondary,self_employed,19.2,11.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2020,urban,female,47,45-54,fourth,primary,employed_informal,1.7,1.1,1,savings,Ecobank,3,0,361.86,none,0,1,0,low_burden |
| Ethiopia,2022,rural,female,65,55+,lowest,tertiary,employed_formal,12.8,9.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2020,urban,male,64,55+,fourth,primary,self_employed,4.2,2.2,1,salary_account,Stanbic,2,0,788.85,none,0,0,0,low_burden |
| Mali,2023,urban,female,33,25-34,second,secondary,unemployed,2.1,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2021,rural,female,67,55+,lowest,none,unemployed,21.2,8.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2019,rural,male,38,35-44,fourth,primary,unemployed,5.1,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2019,rural,female,50,45-54,fourth,tertiary,employed_formal,15.9,4.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2023,rural,male,36,35-44,highest,none,unemployed,19.6,13.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2020,urban,female,47,45-54,highest,tertiary,self_employed,2.9,0.8,1,savings,Bank of Kigali,1,0,1450.25,none,0,1,0,low_burden |
| Tanzania,2020,urban,female,48,45-54,second,primary,student,10.4,3.8,1,savings,Stanbic,2,0,216.32,none,0,0,0,low_burden |
| Malawi,2023,urban,female,57,55+,middle,secondary,unemployed,0.1,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2020,rural,male,44,35-44,highest,none,self_employed,15.6,17.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2021,rural,female,48,45-54,lowest,secondary,self_employed,4.6,1.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2019,rural,female,55,45-54,middle,tertiary,self_employed,29.5,6.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2020,rural,male,41,35-44,highest,secondary,employed_informal,22.9,27.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2023,urban,male,47,45-54,lowest,primary,self_employed,2.6,2.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2022,rural,female,22,18-24,highest,secondary,employed_informal,35.7,4.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2025,rural,male,67,55+,middle,secondary,employed_formal,9.5,3.3,1,savings,Capitec,1,0,591.58,none,0,1,0,low_burden |
| Mozambique,2024,rural,female,25,18-24,highest,none,unemployed,1.6,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2018,urban,female,67,55+,middle,secondary,employed_informal,9.8,4.2,1,current,NBC,3,0,204.96,none,0,1,0,low_burden |
| Malawi,2021,urban,male,61,55+,fourth,secondary,unemployed,0.1,1.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2020,urban,female,72,55+,fourth,secondary,self_employed,10.5,0.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2022,urban,male,19,18-24,lowest,primary,unemployed,2.9,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2020,rural,female,30,25-34,middle,primary,unemployed,6.5,4.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2025,urban,female,20,18-24,highest,tertiary,unemployed,1.3,2.0,1,current,Stanbic,1,0,4368.59,none,0,0,1,low_burden |
| South Africa,2020,rural,male,41,35-44,highest,secondary,employed_informal,2.8,8.9,1,savings,Nedbank,3,0,2412.49,none,0,1,0,low_burden |
| Mali,2022,rural,female,69,55+,highest,secondary,student,30.7,7.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2018,rural,female,61,55+,middle,tertiary,employed_informal,28.4,4.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2025,urban,female,58,55+,middle,primary,unemployed,0.9,2.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2025,urban,male,66,55+,middle,primary,self_employed,3.2,2.2,1,savings,Absa,2,0,434.99,none,0,0,0,low_burden |
| Uganda,2024,urban,female,18,18-24,middle,secondary,employed_informal,2.2,1.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2020,rural,female,62,55+,middle,secondary,self_employed,3.9,10.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2018,urban,male,35,25-34,lowest,tertiary,self_employed,2.4,1.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2023,rural,female,57,55+,lowest,secondary,employed_informal,31.0,10.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2021,urban,male,61,55+,middle,primary,employed_informal,0.9,0.0,1,salary_account,CBAO,1,0,556.26,none,0,0,0,low_burden |
| Ethiopia,2025,urban,female,57,55+,second,primary,employed_informal,0.1,2.6,1,savings,Awash Bank,4,0,263.15,none,0,0,1,low_burden |
| Nigeria,2023,urban,male,41,35-44,second,none,student,0.5,4.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2022,rural,female,52,45-54,lowest,tertiary,self_employed,1.4,3.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2025,rural,male,44,35-44,fourth,none,employed_informal,26.2,1.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2024,rural,male,53,45-54,highest,secondary,unemployed,15.5,8.9,1,savings,NBC,1,0,418.13,none,0,1,0,low_burden |
| Tanzania,2021,rural,female,44,35-44,middle,primary,self_employed,36.6,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2018,rural,female,40,35-44,highest,none,unemployed,14.3,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2018,rural,female,29,25-34,highest,primary,self_employed,37.5,29.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2021,urban,female,40,35-44,lowest,secondary,employed_formal,1.0,0.0,1,savings,Standard Bank,2,0,83.27,none,1,0,0,low_burden |
| Mozambique,2022,rural,male,59,55+,lowest,none,employed_informal,4.0,6.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,rural,female,67,55+,lowest,tertiary,unemployed,6.0,0.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2019,urban,male,23,18-24,lowest,tertiary,unemployed,1.1,0.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2023,rural,male,28,25-34,middle,none,unemployed,43.2,5.4,1,savings,UBA,1,0,432.92,none,0,0,0,low_burden |
| Tanzania,2024,rural,female,46,45-54,second,tertiary,employed_formal,14.2,4.9,1,salary_account,NBC,1,0,252.74,none,0,0,0,low_burden |
| Senegal,2018,rural,female,58,55+,highest,primary,unemployed,13.6,2.8,1,savings,Ecobank,2,0,2786.87,none,0,1,0,low_burden |
| Nigeria,2022,urban,male,27,25-34,middle,none,self_employed,0.6,1.4,1,savings,Zenith Bank,2,0,782.82,none,1,1,0,low_burden |
| Malawi,2018,rural,male,36,35-44,second,primary,unemployed,2.5,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2023,rural,female,20,18-24,highest,secondary,employed_informal,5.4,0.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2024,urban,male,20,18-24,highest,secondary,unemployed,1.6,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2024,urban,male,26,25-34,fourth,primary,student,1.5,1.0,1,savings,NCBA,4,0,526.75,none,0,0,1,low_burden |
| Niger,2022,urban,male,59,55+,fourth,secondary,employed_informal,0.2,1.4,1,savings,Ecobank,2,0,383.38,none,0,0,0,low_burden |
| Kenya,2023,urban,male,67,55+,highest,secondary,unemployed,1.1,0.7,1,savings,NCBA,1,0,3036.52,none,1,1,1,low_burden |
| Nigeria,2025,rural,male,46,45-54,middle,secondary,self_employed,14.3,12.9,1,salary_account,First Bank,3,0,581.75,none,0,0,0,low_burden |
| Nigeria,2022,rural,female,28,25-34,highest,secondary,employed_informal,23.5,9.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2021,urban,male,70,55+,lowest,secondary,employed_informal,1.3,0.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2024,urban,female,33,25-34,middle,secondary,unemployed,1.7,2.6,1,savings,Equity Bank,4,0,304.09,none,0,1,0,low_burden |
| Malawi,2022,rural,female,26,25-34,middle,none,employed_informal,4.7,12.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2024,urban,female,25,18-24,lowest,secondary,employed_formal,3.6,0.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2022,rural,female,38,35-44,lowest,primary,unemployed,12.3,5.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2024,urban,female,59,55+,lowest,secondary,self_employed,1.7,0.6,1,savings,Sonibank,4,0,73.78,none,1,0,1,low_burden |
| DRC,2018,urban,female,40,35-44,second,secondary,unemployed,0.4,0.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2018,rural,female,43,35-44,lowest,primary,self_employed,1.0,0.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2018,urban,female,37,35-44,second,none,self_employed,1.5,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2022,rural,female,71,55+,fourth,secondary,unemployed,35.3,10.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2023,urban,female,56,55+,middle,secondary,employed_formal,5.1,1.2,1,savings,Capitec,3,0,291.18,none,1,0,0,low_burden |
| Zambia,2019,rural,male,55,45-54,fourth,secondary,employed_informal,25.9,4.3,1,salary_account,First National Bank,2,0,1127.96,none,0,0,0,low_burden |
| Mali,2019,rural,female,42,35-44,lowest,secondary,self_employed,16.6,18.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2024,rural,female,48,45-54,fourth,primary,student,0.3,8.7,1,salary_account,Millennium BIM,2,0,3178.14,none,0,1,0,low_burden |
| Mali,2024,urban,male,68,55+,lowest,primary,employed_informal,3.6,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2023,rural,female,55,45-54,second,secondary,student,62.1,8.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2021,rural,male,64,55+,middle,primary,unemployed,29.5,0.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2021,urban,male,20,18-24,highest,secondary,self_employed,2.8,0.4,1,salary_account,NCBA,2,0,1401.19,none,0,1,0,low_burden |
| Zambia,2018,urban,female,66,55+,highest,primary,employed_informal,6.1,1.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2019,rural,male,72,55+,fourth,none,employed_formal,8.0,7.9,1,savings,First Bank,1,0,423.36,none,0,1,0,low_burden |
| Mozambique,2025,urban,male,56,55+,fourth,secondary,self_employed,6.0,2.4,1,current,BCI,3,0,4630.28,none,0,1,0,low_burden |
| Ghana,2020,rural,male,72,55+,middle,secondary,employed_formal,10.1,1.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2023,rural,female,50,45-54,middle,secondary,employed_informal,22.4,13.5,1,current,Fidelity,0,22,0.0,none,0,0,0,low_burden |
| Ghana,2023,urban,male,33,25-34,lowest,primary,employed_informal,4.5,2.5,1,savings,Ecobank,1,0,136.61,none,0,0,1,low_burden |
| Rwanda,2020,rural,female,52,45-54,second,secondary,student,5.9,4.8,1,current,Equity Bank,1,0,177.56,none,0,1,0,low_burden |
| Senegal,2019,rural,female,53,45-54,highest,primary,employed_informal,3.3,1.7,1,current,BHS,0,3,0.0,none,1,0,0,low_burden |
| South Africa,2023,urban,female,26,25-34,highest,secondary,self_employed,8.9,0.3,1,current,Capitec,2,0,1198.42,none,1,0,0,low_burden |
| Malawi,2018,rural,female,29,25-34,second,secondary,employed_informal,46.8,2.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Tanzania,2021,urban,female,34,25-34,lowest,primary,employed_formal,3.0,1.4,1,savings,Stanbic,1,0,127.6,none,0,0,0,low_burden |
| Kenya,2025,urban,male,49,45-54,lowest,secondary,employed_informal,1.5,2.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2023,rural,female,26,25-34,middle,secondary,unemployed,3.8,5.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2024,urban,female,61,55+,lowest,secondary,self_employed,3.3,0.3,1,savings,Dashen Bank,1,0,508.29,none,0,1,1,low_burden |
| Mozambique,2018,rural,male,24,18-24,middle,secondary,self_employed,1.3,14.7,1,current,Moza Banco,1,0,131.06,none,0,0,0,low_burden |
| Zambia,2019,urban,male,71,55+,lowest,none,unemployed,0.0,0.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2020,rural,female,56,55+,lowest,tertiary,employed_formal,23.6,11.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2020,urban,male,37,35-44,second,primary,unemployed,1.3,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2019,rural,female,39,35-44,fourth,primary,employed_formal,3.2,1.3,1,savings,Stanbic,2,0,1326.39,none,0,0,0,low_burden |
| DRC,2025,rural,male,57,55+,second,secondary,unemployed,1.8,1.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2019,rural,female,23,18-24,middle,primary,student,8.2,4.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2023,rural,male,58,55+,middle,tertiary,unemployed,15.8,8.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Malawi,2022,rural,female,49,45-54,fourth,primary,employed_formal,47.8,2.6,1,savings,National Bank,0,18,0.0,none,0,0,0,low_burden |
| Mozambique,2022,rural,male,30,25-34,second,primary,self_employed,3.1,12.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2019,rural,male,69,55+,fourth,none,unemployed,12.5,9.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2020,rural,male,53,45-54,second,none,self_employed,4.4,5.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2022,rural,female,27,25-34,middle,none,employed_informal,20.7,1.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2020,rural,female,55,45-54,second,none,self_employed,3.0,2.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2023,urban,female,41,35-44,highest,primary,employed_formal,1.5,2.0,1,current,FBNBank,1,0,1645.57,none,0,1,1,low_burden |
| Mozambique,2018,rural,male,61,55+,highest,primary,self_employed,3.5,10.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2018,rural,female,46,45-54,fourth,primary,employed_formal,5.9,31.3,1,savings,GCB,1,0,528.08,none,0,1,1,low_burden |
| South Africa,2023,urban,male,74,55+,highest,primary,self_employed,0.6,0.9,1,savings,Standard Bank,4,0,1268.86,none,0,0,0,low_burden |
| Tanzania,2022,urban,male,70,55+,lowest,none,employed_informal,0.5,1.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2018,rural,female,20,18-24,middle,none,employed_informal,37.5,12.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2025,rural,female,41,35-44,lowest,primary,employed_formal,6.8,0.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2018,urban,female,29,25-34,second,primary,student,2.1,3.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2025,urban,male,43,35-44,middle,none,self_employed,0.8,2.5,1,savings,Bank of Kigali,0,13,0.0,none,0,1,0,low_burden |
| Rwanda,2023,urban,male,26,25-34,fourth,primary,self_employed,3.6,2.7,1,savings,I&M Bank,4,0,674.56,none,0,0,0,low_burden |
| Rwanda,2025,rural,female,48,45-54,fourth,tertiary,unemployed,8.8,3.1,1,savings,Ecobank,0,17,0.0,none,1,1,0,low_burden |
| Mali,2025,rural,male,26,25-34,highest,primary,self_employed,6.7,4.4,1,current,BMCD,0,23,0.0,none,0,1,0,low_burden |
| Mali,2020,rural,male,53,45-54,middle,none,employed_informal,64.1,14.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2024,rural,female,43,35-44,highest,secondary,self_employed,20.2,7.2,1,current,Zenith Bank,3,0,1781.25,none,0,1,0,low_burden |
| DRC,2019,rural,female,74,55+,highest,primary,employed_informal,2.3,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2021,urban,male,68,55+,fourth,none,self_employed,0.7,2.5,1,savings,BHS,2,0,574.53,none,0,0,0,low_burden |
| Tanzania,2019,rural,male,52,45-54,lowest,secondary,employed_informal,3.9,0.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2021,urban,female,43,35-44,middle,secondary,student,6.6,1.1,1,current,Zanaco,1,0,474.47,none,1,0,0,low_burden |
| South Africa,2024,urban,male,58,55+,fourth,tertiary,self_employed,7.0,0.4,1,savings,FNB,2,0,442.63,none,1,0,1,low_burden |
| DRC,2021,rural,male,56,55+,highest,tertiary,employed_informal,7.0,11.2,1,savings,FBNBank,0,5,0.0,none,0,0,0,low_burden |
| DRC,2018,rural,male,25,18-24,lowest,secondary,self_employed,5.9,8.8,1,current,FBNBank,0,3,0.0,none,0,0,0,low_burden |
| Malawi,2020,urban,female,39,35-44,second,secondary,employed_formal,2.7,0.5,1,salary_account,FDH Bank,0,9,0.0,none,0,0,1,low_burden |
| Mali,2024,rural,female,74,55+,second,primary,self_employed,3.7,7.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2022,rural,male,36,35-44,second,tertiary,unemployed,3.1,16.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Niger,2022,urban,male,18,18-24,fourth,secondary,unemployed,1.9,2.4,1,savings,Sonibank,1,0,4722.75,none,1,1,0,low_burden |
| Rwanda,2021,urban,female,65,55+,lowest,primary,unemployed,8.6,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2020,urban,female,71,55+,second,none,self_employed,7.1,0.9,1,current,GCB,0,14,0.0,none,0,0,0,low_burden |
| Ghana,2022,rural,female,55,45-54,fourth,secondary,self_employed,3.7,15.8,1,savings,Ecobank,1,0,1848.3,none,0,0,0,low_burden |
| Kenya,2023,rural,male,54,45-54,second,secondary,employed_formal,6.2,1.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2025,rural,female,38,35-44,lowest,secondary,self_employed,13.5,10.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2022,urban,female,38,35-44,middle,primary,self_employed,6.4,0.4,1,current,NBS Bank,3,0,739.12,none,0,0,0,low_burden |
| Zambia,2025,rural,female,70,55+,middle,secondary,employed_formal,14.1,13.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2024,rural,male,66,55+,highest,none,employed_formal,2.5,1.5,1,current,GTBank,1,0,1163.93,none,1,1,0,low_burden |
| Malawi,2018,rural,female,46,45-54,fourth,secondary,employed_formal,48.6,0.9,1,savings,FDH Bank,1,0,1590.46,none,0,0,0,low_burden |
| Rwanda,2021,urban,male,35,25-34,highest,primary,employed_informal,0.1,0.5,1,fixed_deposit,Ecobank,0,2,0.0,none,0,0,1,low_burden |
| Ghana,2021,rural,male,28,25-34,lowest,primary,employed_formal,18.3,17.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2018,rural,male,18,18-24,fourth,primary,employed_informal,16.9,0.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2019,urban,female,45,35-44,middle,primary,self_employed,5.4,1.0,1,current,Awash Bank,4,0,635.26,none,0,0,0,low_burden |
| Zambia,2024,urban,male,49,45-54,fourth,primary,self_employed,0.4,0.4,1,salary_account,Stanbic,0,20,0.0,none,0,1,1,low_burden |
| Ethiopia,2020,urban,female,56,55+,second,secondary,employed_informal,10.7,0.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2019,urban,female,63,55+,lowest,primary,self_employed,1.0,0.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2020,rural,female,38,35-44,lowest,secondary,unemployed,31.4,8.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2020,urban,male,27,25-34,fourth,secondary,employed_informal,2.8,0.8,1,savings,Standard Bank,1,0,906.73,none,0,0,0,low_burden |
| Ethiopia,2019,urban,female,66,55+,fourth,none,employed_informal,3.6,1.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2018,rural,male,61,55+,lowest,tertiary,self_employed,6.0,1.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2024,urban,male,48,45-54,middle,secondary,employed_informal,1.1,0.6,1,salary_account,BAK,4,0,326.42,none,1,1,0,low_burden |
| Ghana,2024,urban,male,20,18-24,fourth,secondary,employed_informal,6.0,3.2,1,fixed_deposit,Absa,1,0,1026.87,none,0,1,0,low_burden |
| Tanzania,2021,rural,male,44,35-44,middle,secondary,self_employed,23.8,19.9,1,savings,Absa,1,0,1922.64,none,0,0,0,low_burden |
| Mali,2022,urban,female,53,45-54,second,secondary,employed_informal,0.5,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2025,urban,male,66,55+,highest,tertiary,unemployed,2.1,3.2,1,savings,Absa,2,0,1770.73,none,0,0,0,low_burden |
| Niger,2024,urban,male,46,45-54,middle,none,unemployed,0.5,1.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2018,urban,female,44,35-44,fourth,none,employed_informal,10.4,0.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2025,rural,male,39,35-44,middle,secondary,self_employed,5.5,8.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2018,urban,male,41,35-44,fourth,primary,student,1.1,0.3,1,salary_account,Stanbic,0,15,0.0,none,0,0,1,low_burden |
| Mali,2018,urban,male,18,18-24,lowest,secondary,self_employed,1.2,0.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2021,rural,male,23,18-24,highest,primary,student,11.0,9.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2023,rural,female,61,55+,second,primary,unemployed,25.8,2.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,urban,male,38,35-44,fourth,tertiary,employed_informal,2.3,1.4,1,current,BHS,1,0,667.58,none,0,1,0,low_burden |
| South Africa,2020,urban,male,66,55+,highest,none,employed_informal,6.2,0.2,1,savings,FNB,2,0,1797.22,none,0,1,1,low_burden |
| DRC,2020,rural,female,40,35-44,middle,primary,employed_informal,9.2,1.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2021,rural,male,74,55+,middle,secondary,unemployed,7.9,0.3,1,savings,Absa,4,0,517.83,none,1,0,0,low_burden |
| Rwanda,2025,rural,female,28,25-34,lowest,secondary,employed_informal,18.2,2.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2020,urban,female,28,25-34,second,secondary,self_employed,2.7,0.4,1,savings,GCB,4,0,216.35,none,0,1,1,low_burden |
| DRC,2019,urban,male,51,45-54,middle,primary,self_employed,2.7,3.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2018,urban,male,63,55+,lowest,tertiary,unemployed,11.8,0.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2019,rural,male,26,25-34,lowest,secondary,unemployed,25.9,5.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2019,rural,male,46,45-54,highest,secondary,employed_formal,1.6,1.3,1,savings,BMCD,2,0,917.49,none,0,1,1,low_burden |
| Rwanda,2022,urban,female,30,25-34,second,none,employed_informal,0.2,1.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2021,rural,female,60,55+,second,primary,self_employed,8.6,19.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2021,urban,male,49,45-54,second,secondary,unemployed,0.7,1.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2024,rural,male,55,45-54,middle,secondary,unemployed,0.1,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2022,rural,male,33,25-34,middle,none,self_employed,3.5,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2019,rural,female,34,25-34,fourth,secondary,unemployed,15.7,9.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2021,urban,female,54,45-54,middle,secondary,self_employed,6.6,0.4,1,savings,Ecobank,1,0,943.14,none,0,0,0,low_burden |
| Senegal,2020,rural,male,38,35-44,lowest,primary,employed_formal,17.7,1.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Niger,2024,urban,female,57,55+,middle,secondary,unemployed,2.3,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2020,rural,male,26,25-34,lowest,primary,self_employed,28.7,6.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2019,urban,female,35,25-34,fourth,tertiary,unemployed,5.1,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2023,rural,female,23,18-24,lowest,secondary,employed_informal,36.5,4.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2021,urban,female,22,18-24,lowest,secondary,self_employed,1.6,0.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2018,urban,male,32,25-34,second,tertiary,employed_informal,3.0,0.7,1,current,Absa,2,0,879.09,none,0,0,0,low_burden |
| Rwanda,2023,urban,male,45,35-44,lowest,secondary,employed_informal,4.9,0.8,1,savings,I&M Bank,4,0,1126.95,none,0,0,0,low_burden |
| Rwanda,2019,urban,female,26,25-34,middle,primary,employed_formal,8.4,1.1,1,savings,Equity Bank,2,0,721.42,none,0,0,0,low_burden |
| Uganda,2024,urban,male,23,18-24,second,secondary,unemployed,4.0,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2024,rural,male,68,55+,highest,tertiary,employed_informal,32.3,4.2,1,savings,Equity Bank,0,24,0.0,none,0,1,0,low_burden |
| Niger,2020,urban,female,47,45-54,lowest,none,employed_informal,7.2,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2022,urban,female,58,55+,middle,secondary,employed_informal,0.0,1.0,1,savings,BHS,4,0,548.93,none,1,0,0,low_burden |
| Uganda,2022,urban,female,59,55+,fourth,none,self_employed,5.3,0.2,1,current,KCB,3,0,1696.01,none,0,1,1,low_burden |
| Zambia,2023,urban,female,23,18-24,lowest,secondary,self_employed,2.4,1.2,1,savings,Zanaco,0,7,0.0,none,0,1,0,low_burden |
| South Africa,2018,rural,female,53,45-54,middle,secondary,unemployed,33.1,0.8,1,salary_account,FNB,2,0,241.82,none,0,1,0,low_burden |
| Niger,2020,rural,male,67,55+,highest,tertiary,self_employed,30.1,4.9,1,current,Sonibank,3,0,2775.73,none,0,1,0,low_burden |
| Nigeria,2019,urban,female,43,35-44,fourth,secondary,employed_informal,2.2,4.2,1,current,GTBank,0,22,0.0,none,1,1,0,low_burden |
| South Africa,2023,rural,female,67,55+,highest,none,self_employed,6.7,10.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2018,rural,female,71,55+,fourth,secondary,employed_formal,15.2,0.9,1,savings,Standard Bank,4,0,1892.44,none,0,0,0,low_burden |
| Nigeria,2022,rural,male,49,45-54,second,tertiary,self_employed,10.4,2.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2023,urban,male,23,18-24,highest,primary,unemployed,4.7,0.2,1,current,Equity BCDC,0,10,0.0,none,0,0,0,low_burden |
| Malawi,2025,urban,female,53,45-54,lowest,none,self_employed,4.1,0.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2020,rural,male,68,55+,middle,secondary,student,6.7,2.0,1,current,Ecobank,1,0,1134.54,none,1,1,0,low_burden |
| Malawi,2018,rural,male,51,45-54,fourth,secondary,employed_informal,5.1,3.4,1,salary_account,NBS Bank,4,0,3128.88,none,0,1,0,low_burden |
| Mali,2023,rural,female,63,55+,highest,none,unemployed,5.7,11.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2018,rural,female,48,45-54,highest,primary,unemployed,0.1,8.7,1,current,FNB,4,0,1028.52,none,0,1,0,low_burden |
| Mali,2018,urban,male,41,35-44,lowest,primary,unemployed,14.1,1.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mozambique,2025,rural,male,71,55+,fourth,secondary,self_employed,8.5,10.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2024,rural,male,26,25-34,lowest,primary,employed_formal,28.9,31.9,1,salary_account,Absa,0,3,0.0,none,0,0,1,low_burden |
| Uganda,2023,urban,female,43,35-44,fourth,primary,unemployed,5.4,0.4,1,fixed_deposit,Equity Bank,3,0,555.98,none,0,0,0,low_burden |
| Ghana,2024,rural,female,26,25-34,fourth,secondary,self_employed,6.9,5.2,1,salary_account,Stanbic,2,0,694.01,none,0,0,0,low_burden |
| Niger,2018,urban,male,55,45-54,lowest,primary,self_employed,1.7,3.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2018,rural,male,70,55+,fourth,secondary,employed_formal,10.9,2.2,1,current,Société Générale,3,0,337.7,none,0,1,0,low_burden |
| Kenya,2020,rural,male,74,55+,second,primary,employed_informal,12.0,9.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2018,rural,male,31,25-34,middle,primary,student,20.2,4.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2025,rural,male,59,55+,highest,secondary,employed_informal,10.3,8.7,1,savings,First National Bank,1,0,2553.78,none,0,0,0,low_burden |
| Rwanda,2018,rural,female,67,55+,middle,secondary,employed_informal,11.3,6.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2022,urban,male,65,55+,middle,tertiary,employed_informal,0.9,5.4,1,current,Access Bank,4,0,858.11,none,1,0,1,low_burden |
| Nigeria,2024,urban,male,46,45-54,lowest,primary,self_employed,2.3,1.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2023,urban,male,27,25-34,lowest,none,unemployed,12.0,0.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2019,urban,male,44,35-44,lowest,primary,student,0.7,0.3,1,salary_account,CBAO,2,0,288.26,none,1,0,1,low_burden |
| Kenya,2021,urban,male,62,55+,second,secondary,self_employed,1.1,0.3,1,salary_account,Cooperative Bank,2,0,377.71,none,1,0,1,low_burden |
| Senegal,2022,rural,male,53,45-54,second,primary,employed_informal,14.2,2.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2024,urban,male,40,35-44,middle,tertiary,employed_formal,7.3,1.0,1,salary_account,Stanbic,1,0,1117.96,none,0,0,1,low_burden |
| Malawi,2021,urban,male,30,25-34,fourth,secondary,employed_informal,1.7,3.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2020,rural,female,55,45-54,lowest,primary,self_employed,20.7,9.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2024,urban,male,42,35-44,middle,primary,student,0.5,0.6,1,savings,Stanbic,1,0,792.15,none,0,1,0,low_burden |
| Niger,2025,rural,female,44,35-44,highest,none,employed_formal,7.7,5.9,1,fixed_deposit,Ecobank,0,21,0.0,none,0,1,0,low_burden |
| Mali,2021,rural,female,71,55+,lowest,secondary,employed_informal,7.5,5.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2018,rural,male,18,18-24,middle,secondary,self_employed,12.4,30.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2022,urban,male,31,25-34,lowest,tertiary,self_employed,1.6,0.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2025,urban,male,70,55+,middle,secondary,self_employed,0.2,1.0,1,savings,Absa,0,2,0.0,none,0,0,0,low_burden |
| Zambia,2025,rural,male,70,55+,fourth,none,self_employed,0.3,1.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2021,rural,female,35,25-34,lowest,primary,employed_informal,7.4,0.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2019,urban,male,74,55+,second,none,self_employed,1.6,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2022,rural,female,30,25-34,highest,tertiary,employed_informal,12.5,0.7,1,current,Access Bank,3,0,1025.15,none,0,1,0,low_burden |
| Mozambique,2024,rural,female,20,18-24,lowest,secondary,unemployed,7.5,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2025,urban,female,35,25-34,fourth,secondary,employed_informal,6.1,0.3,1,savings,Rawbank,2,0,77.84,none,0,0,1,low_burden |
| Uganda,2018,rural,female,48,45-54,middle,secondary,self_employed,0.1,42.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2020,urban,female,18,18-24,lowest,none,student,9.1,0.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2021,urban,female,27,25-34,fourth,secondary,self_employed,4.7,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2018,rural,female,63,55+,middle,secondary,employed_informal,6.9,2.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2025,urban,male,53,45-54,lowest,primary,student,1.0,0.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2018,rural,male,52,45-54,highest,primary,employed_informal,4.6,16.4,1,savings,Absa,2,0,1274.03,none,0,0,0,low_burden |
| Rwanda,2023,urban,male,74,55+,middle,secondary,unemployed,5.7,2.1,1,savings,I&M Bank,1,0,515.87,none,0,0,0,low_burden |
| Niger,2025,urban,male,31,25-34,fourth,tertiary,employed_formal,0.8,2.7,1,savings,Sonibank,2,0,856.19,none,0,1,1,low_burden |
| Malawi,2023,rural,female,69,55+,lowest,none,unemployed,36.1,3.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2024,urban,male,38,35-44,lowest,tertiary,employed_informal,1.1,3.1,1,savings,Moza Banco,1,0,159.37,none,0,0,1,low_burden |
| Mali,2020,urban,female,70,55+,fourth,tertiary,employed_informal,1.7,1.2,1,current,Coris Bank,3,0,536.55,none,0,1,0,low_burden |
| Ghana,2024,rural,female,62,55+,fourth,tertiary,student,35.4,1.4,1,savings,GCB,0,18,0.0,none,0,1,0,low_burden |
| Niger,2021,rural,male,30,25-34,second,none,self_employed,0.0,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2018,rural,female,29,25-34,fourth,primary,employed_informal,2.5,15.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2020,urban,male,48,45-54,middle,secondary,employed_formal,4.1,2.1,1,current,Awash Bank,0,5,0.0,none,0,1,0,low_burden |
| Mali,2020,urban,female,46,45-54,second,primary,employed_formal,6.8,1.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2022,rural,female,31,25-34,fourth,none,employed_informal,18.2,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2020,urban,male,32,25-34,middle,secondary,self_employed,0.3,3.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2021,urban,female,69,55+,middle,none,self_employed,0.6,6.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2021,rural,male,60,55+,fourth,primary,student,2.3,10.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2020,urban,female,28,25-34,middle,tertiary,unemployed,0.6,0.7,1,savings,Absa,1,0,253.96,none,1,1,1,low_burden |
| Mali,2023,urban,female,59,55+,highest,primary,student,1.9,0.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2020,urban,male,26,25-34,fourth,tertiary,self_employed,4.9,0.3,1,savings,Awash Bank,0,17,0.0,none,0,1,0,low_burden |
| Zambia,2024,rural,female,43,35-44,second,primary,self_employed,2.1,2.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2020,rural,female,18,18-24,second,primary,self_employed,5.5,2.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Tanzania,2024,rural,female,55,45-54,highest,none,employed_informal,36.0,8.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2020,urban,female,28,25-34,highest,primary,employed_informal,2.0,1.5,1,savings,GTBank,2,0,726.5,none,0,0,0,low_burden |
| South Africa,2018,urban,female,31,25-34,lowest,primary,unemployed,2.6,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,rural,male,28,25-34,second,secondary,unemployed,5.8,15.0,1,savings,Access Bank,2,0,474.65,none,0,0,0,low_burden |
| Uganda,2024,urban,female,28,25-34,second,tertiary,employed_informal,0.0,1.8,1,fixed_deposit,Centenary,1,0,800.5,none,0,0,1,low_burden |
| South Africa,2024,rural,female,22,18-24,highest,none,self_employed,24.8,8.3,1,current,Capitec,2,0,610.1,none,0,1,0,low_burden |
| Senegal,2019,rural,male,49,45-54,highest,none,employed_informal,7.8,11.4,1,current,Société Générale,4,0,1580.63,none,0,0,0,low_burden |
| Malawi,2022,rural,male,67,55+,fourth,secondary,self_employed,5.9,7.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2022,urban,male,35,25-34,second,primary,employed_informal,0.8,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2019,rural,male,62,55+,highest,primary,unemployed,12.3,14.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2021,urban,male,48,45-54,lowest,primary,self_employed,0.0,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2023,rural,male,32,25-34,second,primary,employed_informal,16.1,23.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2025,rural,female,21,18-24,second,secondary,unemployed,7.2,0.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2024,rural,male,62,55+,middle,none,student,40.8,18.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2018,rural,male,19,18-24,middle,secondary,unemployed,2.7,4.8,1,current,Capitec,2,0,939.73,none,0,0,0,low_burden |
| South Africa,2019,rural,female,42,35-44,lowest,primary,self_employed,2.6,4.2,1,current,FNB,2,0,158.14,none,1,1,0,low_burden |
| Ethiopia,2021,rural,male,19,18-24,lowest,primary,employed_informal,13.8,2.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2019,urban,male,62,55+,fourth,secondary,self_employed,0.0,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2022,rural,female,74,55+,lowest,primary,unemployed,21.8,2.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2018,rural,female,36,35-44,middle,tertiary,student,34.4,27.0,1,fixed_deposit,Zanaco,1,0,886.62,none,0,0,0,low_burden |
| Nigeria,2018,urban,female,35,25-34,lowest,secondary,self_employed,1.0,0.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2018,rural,male,50,45-54,second,tertiary,self_employed,6.6,9.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2020,rural,male,46,45-54,second,primary,employed_informal,3.1,5.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2024,urban,female,39,35-44,fourth,primary,employed_formal,1.5,1.8,1,savings,FNB,2,0,1953.32,none,0,0,1,low_burden |
| Kenya,2019,urban,female,38,35-44,second,primary,employed_informal,1.9,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2025,rural,female,28,25-34,second,secondary,employed_formal,0.7,5.8,1,savings,Sonibank,1,0,459.5,none,1,0,1,low_burden |
| DRC,2020,urban,female,32,25-34,fourth,secondary,self_employed,5.9,0.2,1,fixed_deposit,Equity BCDC,0,7,0.0,none,0,1,0,low_burden |
| South Africa,2018,urban,male,51,45-54,lowest,primary,employed_informal,1.6,2.4,1,savings,Nedbank,0,2,0.0,none,0,0,1,low_burden |
| Malawi,2020,rural,male,59,55+,fourth,none,self_employed,19.7,5.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2023,urban,female,60,55+,lowest,primary,self_employed,1.9,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2018,urban,female,47,45-54,highest,none,employed_informal,0.2,2.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2018,rural,male,60,55+,lowest,primary,self_employed,47.7,4.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2024,urban,female,51,45-54,middle,secondary,employed_informal,1.8,0.5,1,salary_account,Standard Bank,1,0,336.32,none,0,0,0,low_burden |
| Rwanda,2022,rural,male,38,35-44,middle,tertiary,employed_formal,4.2,0.4,1,salary_account,Bank of Kigali,0,21,0.0,none,1,0,0,low_burden |
| Uganda,2020,rural,female,38,35-44,middle,none,student,34.6,9.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2024,rural,male,47,45-54,fourth,none,employed_formal,11.6,3.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2024,rural,female,35,25-34,lowest,primary,employed_informal,5.4,9.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2020,rural,male,61,55+,second,none,self_employed,20.9,4.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2022,urban,female,28,25-34,highest,secondary,employed_informal,0.2,0.7,1,savings,Cooperative Bank,1,0,4753.59,none,0,0,0,low_burden |
| Niger,2018,rural,female,21,18-24,highest,none,employed_informal,0.3,4.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2020,urban,male,45,35-44,middle,tertiary,unemployed,0.0,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2022,rural,female,22,18-24,middle,tertiary,self_employed,47.4,7.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2019,rural,female,28,25-34,fourth,primary,self_employed,7.9,2.5,1,salary_account,DFCU,3,0,665.57,none,0,0,0,low_burden |
| Malawi,2025,urban,female,39,35-44,fourth,tertiary,unemployed,1.2,0.7,1,savings,Standard Bank,1,0,665.58,none,0,1,0,low_burden |
| Niger,2025,urban,male,18,18-24,highest,secondary,employed_formal,0.9,1.3,1,current,Ecobank,1,0,2506.19,none,0,0,0,low_burden |
| DRC,2020,rural,female,30,25-34,fourth,tertiary,self_employed,1.2,2.4,1,current,Rawbank,1,0,647.7,none,1,0,0,low_burden |
| Malawi,2021,urban,female,49,45-54,second,primary,employed_informal,5.4,0.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2019,urban,female,39,35-44,middle,tertiary,employed_formal,2.7,3.9,1,fixed_deposit,NBC,1,0,418.03,none,1,0,0,low_burden |
| South Africa,2022,urban,male,69,55+,middle,primary,student,1.7,0.4,1,savings,Absa,1,0,370.78,none,0,1,0,low_burden |
| Malawi,2018,rural,female,23,18-24,lowest,primary,unemployed,13.7,6.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2021,rural,male,59,55+,fourth,tertiary,employed_informal,14.0,3.3,1,savings,CRDB,2,0,713.43,none,0,0,1,low_burden |
| Malawi,2022,rural,male,51,45-54,middle,primary,employed_informal,20.7,6.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2022,rural,male,54,45-54,lowest,primary,employed_informal,15.6,3.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2022,urban,male,56,55+,fourth,none,unemployed,5.9,3.9,1,savings,NBC,0,9,0.0,none,0,1,1,low_burden |
| Zambia,2019,urban,male,20,18-24,second,none,employed_informal,0.2,1.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2024,rural,male,63,55+,lowest,primary,student,2.5,3.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2023,rural,female,36,35-44,middle,primary,employed_informal,2.2,20.0,1,savings,BDM,1,0,585.33,none,0,0,0,low_burden |
| Mali,2024,rural,female,55,45-54,fourth,secondary,employed_informal,14.5,24.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2021,urban,male,34,25-34,middle,secondary,student,2.9,1.6,1,savings,BHS,2,0,103.18,none,0,0,1,low_burden |
| Uganda,2025,rural,female,40,35-44,lowest,none,unemployed,3.7,2.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2021,rural,female,57,55+,middle,secondary,employed_informal,10.8,13.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2024,rural,female,71,55+,lowest,secondary,self_employed,3.4,36.5,1,savings,Standard Bank,1,0,170.08,none,0,1,0,low_burden |
| Kenya,2019,rural,female,68,55+,highest,secondary,unemployed,31.9,13.5,1,current,Cooperative Bank,4,0,404.5,none,1,1,1,low_burden |
| Mozambique,2019,rural,female,59,55+,second,secondary,self_employed,5.3,7.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2022,rural,female,48,45-54,highest,tertiary,self_employed,13.1,2.8,1,savings,BAK,0,16,0.0,none,0,1,0,low_burden |
| Tanzania,2022,rural,female,48,45-54,lowest,none,self_employed,26.4,9.5,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2023,rural,female,73,55+,lowest,secondary,student,7.7,12.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2020,urban,male,29,25-34,second,tertiary,self_employed,3.3,1.8,1,savings,Equity BCDC,1,0,242.09,none,0,1,1,low_burden |
| Kenya,2024,urban,female,72,55+,fourth,secondary,employed_informal,0.5,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2020,rural,female,54,45-54,highest,none,self_employed,1.7,10.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Rwanda,2022,rural,female,53,45-54,middle,secondary,unemployed,4.6,20.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2025,rural,female,51,45-54,second,secondary,self_employed,4.4,28.5,1,savings,Capitec,1,0,439.26,none,1,1,0,low_burden |
| Kenya,2022,rural,male,64,55+,lowest,primary,employed_informal,1.7,0.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2023,urban,male,56,55+,middle,secondary,self_employed,2.4,0.6,1,salary_account,Equity Bank,3,0,384.77,none,0,0,1,low_burden |
| Nigeria,2025,rural,female,23,18-24,second,secondary,self_employed,7.4,10.4,1,current,Access Bank,0,1,0.0,none,1,1,0,low_burden |
| Rwanda,2025,rural,female,62,55+,highest,secondary,student,10.9,0.1,1,savings,Ecobank,1,0,2913.09,none,0,0,0,low_burden |
| Rwanda,2021,urban,female,59,55+,middle,primary,employed_informal,4.6,1.9,1,savings,I&M Bank,1,0,660.31,none,0,1,0,low_burden |
| Uganda,2021,urban,female,70,55+,fourth,secondary,unemployed,0.5,3.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2019,urban,female,71,55+,fourth,secondary,self_employed,0.4,1.9,1,savings,Orabank,3,0,146.9,none,0,0,1,low_burden |
| Mozambique,2022,urban,female,72,55+,lowest,primary,employed_formal,7.3,0.1,1,savings,Standard Bank,2,0,479.61,none,1,0,1,low_burden |
| DRC,2025,rural,male,20,18-24,second,secondary,self_employed,34.4,4.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2021,rural,female,53,45-54,highest,primary,employed_formal,6.7,1.4,1,fixed_deposit,KCB,1,0,2027.1,none,0,1,0,low_burden |
| Ghana,2020,rural,male,71,55+,second,tertiary,unemployed,15.5,15.5,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ghana,2018,urban,female,73,55+,middle,secondary,unemployed,0.2,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2021,rural,male,49,45-54,highest,secondary,employed_formal,28.1,8.6,1,savings,FDH Bank,2,0,1052.82,none,0,0,1,low_burden |
| Nigeria,2019,rural,female,69,55+,lowest,secondary,self_employed,40.7,1.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2025,urban,male,68,55+,highest,primary,student,1.4,0.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2022,rural,male,18,18-24,second,secondary,employed_informal,19.5,2.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2019,urban,female,68,55+,middle,none,student,5.6,0.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2018,urban,female,54,45-54,second,secondary,employed_informal,1.5,2.0,1,savings,First Bank,2,0,230.16,none,0,0,0,low_burden |
| Kenya,2024,urban,male,50,45-54,middle,none,employed_formal,1.7,0.3,1,current,NCBA,0,23,0.0,none,0,1,0,low_burden |
| Mozambique,2025,urban,female,28,25-34,lowest,secondary,self_employed,1.8,1.9,1,fixed_deposit,Standard Bank,0,15,0.0,none,1,1,1,low_burden |
| Tanzania,2024,rural,male,70,55+,lowest,secondary,employed_informal,9.1,13.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2018,rural,male,34,25-34,second,primary,unemployed,0.5,3.5,1,savings,I&M Bank,0,11,0.0,none,0,0,0,low_burden |
| Mozambique,2018,urban,male,41,35-44,second,primary,self_employed,0.3,0.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2019,rural,female,34,25-34,middle,none,unemployed,7.0,0.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2024,urban,female,73,55+,lowest,primary,self_employed,2.9,1.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2024,urban,female,45,35-44,lowest,primary,self_employed,3.0,1.0,1,current,NCBA,1,0,34.7,none,0,1,0,low_burden |
| Nigeria,2024,urban,female,24,18-24,lowest,tertiary,unemployed,4.8,0.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2018,rural,female,18,18-24,second,tertiary,self_employed,39.5,7.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2019,urban,female,73,55+,lowest,tertiary,unemployed,0.0,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2025,rural,female,31,25-34,lowest,none,self_employed,14.3,9.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| South Africa,2025,urban,male,61,55+,middle,primary,employed_informal,12.7,1.2,1,salary_account,Absa,2,0,595.17,none,0,1,0,low_burden |
| DRC,2023,rural,male,19,18-24,fourth,primary,self_employed,20.0,6.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2018,rural,male,69,55+,fourth,secondary,self_employed,0.6,14.7,1,salary_account,Absa,3,0,1387.93,none,0,1,0,low_burden |
| Ghana,2018,urban,female,55,45-54,second,secondary,employed_informal,0.4,4.9,1,savings,GCB,2,0,194.53,none,0,0,0,low_burden |
| Tanzania,2018,urban,female,30,25-34,highest,secondary,employed_informal,0.2,0.9,1,savings,CRDB,0,22,0.0,none,0,0,0,low_burden |
| DRC,2023,rural,male,68,55+,middle,primary,employed_informal,12.4,11.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2024,rural,female,34,25-34,middle,secondary,employed_formal,22.7,1.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2023,rural,female,74,55+,lowest,tertiary,unemployed,6.8,16.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2020,urban,male,52,45-54,lowest,primary,unemployed,0.7,2.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| DRC,2024,urban,male,43,35-44,middle,secondary,employed_informal,0.9,2.3,1,current,FBNBank,1,0,242.41,none,1,1,1,low_burden |
| South Africa,2018,rural,male,21,18-24,lowest,secondary,student,3.4,4.6,1,salary_account,FNB,1,0,205.83,none,1,0,0,low_burden |
| Mozambique,2024,rural,male,32,25-34,fourth,none,student,2.0,17.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2025,urban,female,21,18-24,second,tertiary,unemployed,12.0,0.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2023,rural,female,66,55+,lowest,tertiary,employed_formal,2.3,2.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2025,rural,male,23,18-24,lowest,secondary,employed_informal,44.1,5.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2022,urban,male,24,18-24,lowest,none,self_employed,8.7,0.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2021,urban,male,25,18-24,second,none,unemployed,0.3,0.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2020,urban,male,73,55+,lowest,secondary,self_employed,0.4,1.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Malawi,2025,rural,male,73,55+,middle,none,self_employed,16.5,7.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2023,rural,female,58,55+,second,none,unemployed,7.6,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2019,rural,female,22,18-24,middle,primary,student,1.4,23.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2025,urban,female,46,45-54,highest,none,self_employed,3.3,0.1,1,current,Ecobank,2,0,4317.1,none,1,1,0,low_burden |
| Uganda,2018,rural,male,72,55+,highest,secondary,student,22.9,3.4,1,salary_account,Equity Bank,2,0,3972.94,none,0,0,0,low_burden |
| Uganda,2022,rural,female,23,18-24,middle,secondary,unemployed,39.0,1.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2019,rural,male,63,55+,second,none,employed_informal,0.4,3.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2023,rural,male,19,18-24,fourth,secondary,unemployed,1.1,15.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2021,urban,female,63,55+,highest,none,employed_formal,6.0,0.7,1,current,BHS,2,0,3221.97,none,1,0,0,low_burden |
| Mali,2021,rural,female,49,45-54,middle,none,employed_informal,9.0,7.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2023,urban,male,68,55+,lowest,primary,student,4.8,1.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Rwanda,2024,urban,female,41,35-44,fourth,primary,employed_informal,2.7,1.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2021,urban,female,62,55+,lowest,primary,self_employed,2.6,4.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2025,rural,female,66,55+,fourth,secondary,student,8.3,5.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2021,rural,female,36,35-44,lowest,primary,employed_informal,34.7,13.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2019,urban,male,54,45-54,lowest,secondary,employed_informal,0.2,0.8,1,savings,UBA,4,0,925.85,none,0,1,1,low_burden |
| DRC,2018,rural,female,44,35-44,fourth,primary,employed_formal,5.9,3.6,1,savings,Equity BCDC,0,10,0.0,none,0,1,0,low_burden |
| Mali,2019,rural,male,42,35-44,fourth,secondary,self_employed,28.0,6.9,1,salary_account,Coris Bank,2,0,1726.9,none,0,0,0,low_burden |
| Kenya,2023,urban,male,63,55+,middle,secondary,employed_informal,3.9,4.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2022,rural,female,30,25-34,fourth,none,employed_formal,3.1,13.9,1,savings,UBA,3,0,2079.62,none,0,0,0,low_burden |
| Kenya,2020,urban,female,24,18-24,highest,secondary,unemployed,1.7,3.5,1,current,Cooperative Bank,0,8,0.0,none,0,0,0,low_burden |
| Tanzania,2021,rural,male,45,35-44,second,secondary,employed_informal,86.4,5.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Uganda,2024,urban,female,64,55+,highest,none,self_employed,1.0,0.1,1,savings,KCB,2,0,1779.83,none,0,1,1,low_burden |
| Niger,2022,urban,female,27,25-34,second,secondary,employed_formal,1.4,0.4,1,savings,Ecobank,0,7,0.0,none,0,1,0,low_burden |
| Zambia,2018,rural,female,37,35-44,lowest,secondary,self_employed,20.8,3.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2018,urban,male,56,55+,fourth,none,self_employed,1.3,0.3,1,current,Standard Bank,1,0,624.69,none,1,1,0,low_burden |
| Mali,2021,rural,male,45,35-44,second,tertiary,self_employed,10.2,4.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2021,rural,male,52,45-54,highest,primary,employed_informal,1.5,4.6,1,savings,I&M Bank,1,0,4114.81,none,0,0,0,low_burden |
| Zambia,2024,urban,male,48,45-54,lowest,secondary,employed_informal,1.2,3.7,1,salary_account,First National Bank,0,16,0.0,none,1,0,1,low_burden |
| Kenya,2022,rural,male,64,55+,lowest,tertiary,employed_formal,24.2,8.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2024,rural,male,67,55+,lowest,tertiary,employed_formal,5.5,1.6,1,savings,DFCU,2,0,83.91,none,0,1,0,low_burden |
| Rwanda,2022,rural,male,43,35-44,middle,secondary,self_employed,3.5,9.5,1,current,Bank of Kigali,1,0,701.79,none,0,0,0,low_burden |
| Kenya,2020,rural,male,42,35-44,fourth,secondary,employed_formal,53.4,4.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2023,urban,female,33,25-34,second,primary,employed_informal,0.2,0.5,1,savings,Cooperative Bank,0,11,0.0,none,0,0,0,low_burden |
| Ghana,2022,urban,female,43,35-44,lowest,primary,employed_informal,3.1,1.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2023,rural,male,65,55+,second,tertiary,unemployed,4.6,6.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2019,rural,female,46,45-54,second,primary,self_employed,19.9,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2023,rural,male,57,55+,middle,secondary,self_employed,13.7,1.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,rural,male,41,35-44,middle,none,self_employed,2.4,6.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2024,urban,female,58,55+,lowest,primary,employed_informal,0.9,0.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2024,rural,male,58,55+,second,none,employed_informal,21.9,6.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2022,urban,male,48,45-54,middle,secondary,employed_informal,4.4,0.7,1,savings,KCB,2,0,307.44,none,0,0,0,low_burden |
| Mali,2025,urban,male,71,55+,second,none,self_employed,2.0,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2022,rural,female,67,55+,second,primary,employed_informal,23.0,6.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2018,urban,female,27,25-34,middle,tertiary,employed_formal,0.6,1.9,1,savings,Dashen Bank,1,0,655.9,none,1,0,0,low_burden |
| South Africa,2022,rural,male,30,25-34,second,secondary,student,36.0,2.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2024,urban,male,72,55+,lowest,secondary,unemployed,2.2,3.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2018,rural,male,40,35-44,lowest,none,employed_formal,37.0,4.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,rural,female,35,25-34,fourth,primary,student,35.1,1.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2020,rural,male,63,55+,lowest,secondary,employed_informal,61.7,8.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2024,rural,female,52,45-54,fourth,none,employed_formal,0.7,15.2,1,savings,Ecobank,0,14,0.0,none,0,0,0,low_burden |
| Rwanda,2022,urban,female,25,18-24,second,primary,employed_informal,5.4,0.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2025,urban,male,23,18-24,middle,tertiary,student,6.2,4.8,1,current,BCI,3,0,619.51,none,0,0,1,low_burden |
| Senegal,2024,urban,female,64,55+,fourth,none,employed_informal,4.2,0.0,1,savings,BHS,4,0,939.16,none,0,1,1,low_burden |
| Malawi,2022,urban,male,61,55+,second,tertiary,unemployed,4.4,1.9,1,savings,Standard Bank,1,0,330.44,none,0,0,1,low_burden |
| Nigeria,2023,rural,male,38,35-44,lowest,primary,self_employed,2.7,3.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2020,rural,male,67,55+,lowest,primary,self_employed,2.7,5.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2018,urban,male,25,18-24,fourth,primary,employed_informal,2.9,0.1,1,fixed_deposit,Nedbank,4,0,1262.23,none,0,0,1,low_burden |
| Senegal,2021,urban,female,67,55+,second,tertiary,employed_formal,5.2,0.7,1,current,BHS,4,0,583.39,none,0,0,0,low_burden |
| Tanzania,2022,rural,female,22,18-24,fourth,secondary,unemployed,53.6,9.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2019,rural,male,54,45-54,second,secondary,employed_informal,1.2,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2019,urban,male,66,55+,second,primary,self_employed,0.1,1.6,1,salary_account,CBAO,1,0,109.45,none,1,0,1,low_burden |
| Senegal,2018,rural,female,53,45-54,second,tertiary,employed_formal,0.9,0.7,1,fixed_deposit,CBAO,4,0,323.21,none,0,1,0,low_burden |
| Niger,2023,rural,male,62,55+,lowest,secondary,unemployed,59.1,7.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2025,rural,male,37,35-44,fourth,secondary,unemployed,3.2,2.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2024,urban,female,34,25-34,lowest,secondary,self_employed,5.9,0.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2021,rural,female,33,25-34,highest,secondary,self_employed,15.5,1.8,1,current,Standard Bank,2,0,1188.14,none,0,0,0,low_burden |
| South Africa,2022,urban,female,24,18-24,lowest,secondary,employed_informal,0.1,2.6,1,savings,Standard Bank,3,0,214.84,none,0,1,1,low_burden |
| Nigeria,2025,urban,male,33,25-34,middle,none,employed_informal,9.1,0.1,1,salary_account,First Bank,0,19,0.0,none,1,0,1,low_burden |
| Nigeria,2022,rural,male,32,25-34,lowest,tertiary,employed_formal,29.8,0.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2020,rural,male,61,55+,fourth,primary,unemployed,0.6,17.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2020,urban,female,30,25-34,lowest,tertiary,employed_formal,1.3,2.7,1,savings,Absa,2,0,131.86,none,0,0,1,low_burden |
| Niger,2023,rural,male,27,25-34,middle,primary,employed_formal,11.0,5.0,1,savings,Ecobank,0,16,0.0,none,0,0,0,low_burden |
| Malawi,2021,urban,male,59,55+,highest,none,employed_formal,2.7,1.0,1,savings,Standard Bank,2,0,4604.02,none,0,1,1,low_burden |
| Mozambique,2024,rural,male,48,45-54,middle,primary,employed_informal,16.2,3.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2024,rural,female,30,25-34,lowest,secondary,self_employed,0.1,11.4,1,savings,Zanaco,0,17,0.0,none,0,1,0,low_burden |
| Uganda,2018,rural,female,58,55+,fourth,primary,unemployed,1.7,4.0,1,fixed_deposit,Centenary,2,0,780.55,none,1,0,0,low_burden |
| Uganda,2023,rural,female,30,25-34,second,secondary,employed_informal,3.3,12.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2020,rural,male,62,55+,lowest,secondary,employed_informal,51.8,3.3,1,savings,FNB,3,0,404.98,none,0,1,0,low_burden |
| Nigeria,2022,rural,female,19,18-24,middle,primary,self_employed,3.6,5.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2020,rural,male,51,45-54,fourth,secondary,self_employed,44.8,12.3,1,savings,Nedbank,1,0,384.86,none,0,0,0,low_burden |
| Tanzania,2020,rural,male,52,45-54,second,secondary,unemployed,4.1,4.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2020,urban,male,39,35-44,fourth,tertiary,unemployed,1.9,2.0,1,current,Stanbic,1,0,658.54,none,0,1,0,low_burden |
| Tanzania,2018,rural,female,57,55+,fourth,primary,unemployed,2.0,5.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2024,urban,male,39,35-44,second,tertiary,unemployed,0.2,0.5,1,fixed_deposit,I&M Bank,0,15,0.0,none,1,0,1,low_burden |
| Malawi,2019,rural,female,55,45-54,second,none,unemployed,7.0,16.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2021,urban,male,30,25-34,fourth,secondary,self_employed,0.1,4.9,1,salary_account,BDM,0,19,0.0,none,0,1,0,low_burden |
| Rwanda,2019,urban,male,50,45-54,second,secondary,self_employed,1.9,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2019,rural,female,61,55+,lowest,primary,unemployed,8.3,10.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2020,urban,female,73,55+,second,none,employed_informal,4.1,4.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2025,urban,male,38,35-44,highest,secondary,employed_informal,2.3,0.5,1,current,Capitec,4,0,1015.21,none,0,0,0,low_burden |
| Malawi,2025,rural,female,44,35-44,second,primary,student,4.3,0.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2021,urban,male,45,35-44,lowest,none,self_employed,1.2,0.0,1,savings,UBA,2,0,252.03,none,0,1,0,low_burden |
| Malawi,2022,urban,male,67,55+,lowest,none,employed_formal,0.6,4.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2025,rural,female,72,55+,lowest,secondary,employed_informal,2.3,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2019,urban,female,54,45-54,highest,primary,employed_informal,2.3,0.2,1,savings,Absa,2,0,643.31,none,1,0,0,low_burden |
| South Africa,2025,urban,male,64,55+,middle,primary,employed_informal,0.7,0.3,1,savings,FNB,3,0,127.43,none,0,0,0,low_burden |
| Senegal,2018,urban,male,22,18-24,fourth,tertiary,self_employed,5.9,5.0,1,savings,Ecobank,2,0,499.76,none,0,0,1,low_burden |
| Rwanda,2019,urban,female,61,55+,fourth,secondary,self_employed,9.9,0.5,1,salary_account,Ecobank,1,0,1291.41,none,0,1,1,low_burden |
| Tanzania,2020,urban,male,64,55+,second,secondary,self_employed,1.0,2.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2018,urban,female,58,55+,fourth,secondary,employed_formal,10.4,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2024,rural,female,51,45-54,highest,none,self_employed,24.7,1.6,1,fixed_deposit,Equity Bank,1,0,868.54,none,0,0,0,low_burden |
| Tanzania,2024,rural,female,69,55+,fourth,primary,employed_formal,12.0,7.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2021,urban,male,55,45-54,fourth,none,employed_informal,0.7,1.3,1,savings,NBS Bank,0,18,0.0,none,0,1,0,low_burden |
| Zambia,2024,urban,female,66,55+,second,none,self_employed,2.1,0.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2024,rural,male,28,25-34,fourth,none,employed_formal,0.5,10.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2024,rural,male,55,45-54,lowest,secondary,student,0.1,2.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2024,urban,male,42,35-44,fourth,primary,self_employed,2.6,1.3,1,savings,Ecobank,3,0,1019.5,none,0,1,0,low_burden |
| Uganda,2022,rural,male,67,55+,second,none,employed_informal,0.7,13.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,urban,female,68,55+,middle,tertiary,employed_informal,1.1,0.3,1,salary_account,BHS,3,0,297.9,none,0,0,1,low_burden |
| Ethiopia,2025,rural,female,66,55+,highest,none,employed_formal,12.8,24.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2022,rural,female,30,25-34,middle,secondary,employed_formal,6.7,8.3,1,savings,BHS,1,0,123.02,none,1,0,0,low_burden |
| Senegal,2025,rural,female,46,45-54,lowest,primary,student,2.8,34.7,1,savings,Ecobank,1,0,363.64,none,0,0,0,low_burden |
| Niger,2025,urban,female,18,18-24,fourth,secondary,self_employed,5.7,3.8,1,savings,BAK,2,0,1385.89,none,1,1,0,low_burden |
| Senegal,2019,urban,female,73,55+,highest,none,unemployed,1.8,2.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Rwanda,2021,urban,female,32,25-34,middle,none,self_employed,3.3,0.3,1,savings,Bank of Kigali,2,0,484.32,none,0,0,1,low_burden |
| Senegal,2019,urban,female,53,45-54,highest,secondary,student,4.6,0.3,1,savings,Ecobank,2,0,1718.01,none,0,1,1,low_burden |
| Rwanda,2018,urban,female,45,35-44,fourth,primary,unemployed,1.6,1.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2025,rural,male,69,55+,highest,none,employed_formal,10.4,11.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2025,urban,female,64,55+,second,primary,employed_informal,2.1,0.3,1,current,NMB,0,20,0.0,none,0,0,0,low_burden |
| Ghana,2025,rural,male,62,55+,middle,secondary,employed_informal,23.4,1.1,1,savings,Fidelity,2,0,423.51,none,0,0,0,low_burden |
| Mali,2025,urban,male,54,45-54,fourth,none,employed_informal,2.4,2.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2023,urban,female,24,18-24,highest,secondary,self_employed,2.9,1.5,1,savings,Dashen Bank,2,0,726.72,none,0,0,1,low_burden |
| Senegal,2022,rural,male,70,55+,lowest,secondary,employed_informal,0.2,12.2,1,savings,Société Générale,0,16,0.0,none,0,1,0,low_burden |
| Nigeria,2025,rural,male,21,18-24,lowest,secondary,unemployed,14.6,8.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2022,urban,male,43,35-44,second,secondary,employed_formal,0.5,4.8,1,savings,National Bank,2,0,952.81,none,0,0,1,low_burden |
| Zambia,2023,rural,male,39,35-44,fourth,primary,unemployed,29.3,10.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2019,urban,female,40,35-44,highest,tertiary,employed_informal,4.0,0.3,1,savings,I&M Bank,1,0,1531.68,none,0,0,0,low_burden |
| Zambia,2023,urban,female,73,55+,middle,primary,employed_formal,1.2,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2024,rural,male,31,25-34,lowest,primary,unemployed,11.3,23.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2023,urban,female,51,45-54,second,secondary,self_employed,2.6,0.7,1,savings,Absa,3,0,447.61,none,0,0,0,low_burden |
| Zambia,2021,rural,female,30,25-34,highest,secondary,unemployed,29.6,6.6,1,savings,First National Bank,4,0,1113.82,none,1,0,0,low_burden |
| DRC,2019,urban,female,69,55+,second,none,unemployed,0.3,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2018,rural,male,59,55+,lowest,tertiary,employed_formal,31.1,2.9,1,savings,Coris Bank,2,0,262.15,none,0,1,0,low_burden |
| Senegal,2023,rural,female,41,35-44,second,tertiary,employed_informal,11.0,30.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2023,urban,male,22,18-24,fourth,primary,employed_formal,3.5,0.6,1,salary_account,BCI,1,0,2060.57,none,0,0,0,low_burden |
| Uganda,2024,urban,male,26,25-34,middle,secondary,employed_formal,4.8,3.7,1,savings,KCB,4,0,571.3,none,0,0,0,low_burden |
| Mozambique,2025,rural,female,31,25-34,lowest,secondary,student,31.0,13.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2021,rural,male,41,35-44,second,tertiary,unemployed,24.5,5.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2024,rural,female,68,55+,highest,secondary,employed_informal,10.7,7.3,1,current,Zanaco,1,0,2215.12,none,0,0,0,low_burden |
| Mali,2023,rural,female,24,18-24,second,none,unemployed,11.4,4.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2020,urban,male,50,45-54,second,secondary,student,1.8,2.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2024,urban,male,37,35-44,lowest,none,employed_informal,1.1,1.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2018,rural,female,20,18-24,second,secondary,employed_formal,19.4,5.0,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ghana,2022,urban,female,53,45-54,fourth,secondary,unemployed,3.9,0.3,1,salary_account,Fidelity,1,0,1664.05,none,0,0,0,low_burden |
| Tanzania,2025,rural,male,58,55+,fourth,secondary,unemployed,6.2,6.3,1,savings,CRDB,1,0,1451.69,none,0,1,0,low_burden |
| Zambia,2023,urban,female,72,55+,second,primary,employed_informal,0.1,0.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2025,urban,female,46,45-54,highest,primary,self_employed,1.7,1.2,1,savings,Rawbank,0,1,0.0,none,1,1,0,low_burden |
| Ethiopia,2018,rural,female,36,35-44,second,secondary,employed_informal,27.6,5.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2022,rural,male,66,55+,highest,primary,self_employed,13.4,2.6,1,savings,Stanbic,3,0,3827.33,none,0,1,0,low_burden |
| Kenya,2024,rural,female,32,25-34,lowest,primary,self_employed,3.5,16.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2023,rural,female,56,55+,second,primary,employed_informal,61.2,1.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2025,rural,male,71,55+,highest,tertiary,unemployed,11.2,10.1,1,salary_account,KCB,1,0,2145.88,none,1,1,0,low_burden |
| Uganda,2021,rural,female,18,18-24,highest,primary,self_employed,8.0,3.8,1,savings,Centenary,2,0,2144.94,none,1,0,0,low_burden |
| Mozambique,2023,rural,female,70,55+,fourth,secondary,unemployed,0.0,0.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2021,rural,female,29,25-34,middle,secondary,self_employed,2.9,5.1,1,savings,Equity BCDC,2,0,605.53,none,1,0,0,low_burden |
| DRC,2024,rural,female,45,35-44,fourth,secondary,self_employed,4.0,5.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2018,rural,female,32,25-34,fourth,secondary,employed_informal,2.0,6.5,1,savings,KCB,2,0,1646.51,none,0,1,1,low_burden |
| Uganda,2020,rural,female,26,25-34,second,none,employed_informal,0.2,12.9,1,savings,DFCU,0,22,0.0,none,0,1,0,low_burden |
| Tanzania,2018,urban,female,58,55+,second,primary,unemployed,2.4,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2023,rural,male,45,35-44,middle,none,self_employed,11.4,1.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2019,urban,male,47,45-54,middle,secondary,employed_informal,4.1,1.4,1,current,Commercial Bank of Ethiopia,1,0,353.97,none,0,1,0,low_burden |
| Zambia,2020,urban,male,45,35-44,highest,secondary,student,0.3,1.6,1,current,Zanaco,4,0,2537.79,none,0,0,0,low_burden |
| Nigeria,2024,rural,female,60,55+,middle,secondary,unemployed,6.7,9.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2020,urban,male,73,55+,lowest,secondary,employed_formal,2.8,3.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2019,rural,female,47,45-54,lowest,secondary,employed_informal,2.4,23.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2018,rural,male,26,25-34,fourth,tertiary,self_employed,34.9,17.4,1,savings,NCBA,1,0,5179.99,none,0,1,0,low_burden |
| Mali,2019,urban,male,36,35-44,lowest,secondary,employed_formal,1.9,1.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2025,rural,female,46,45-54,highest,primary,student,12.1,10.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2022,urban,female,23,18-24,lowest,none,self_employed,3.2,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2025,rural,male,31,25-34,second,secondary,employed_formal,12.1,2.3,1,savings,FDH Bank,0,6,0.0,none,0,0,1,low_burden |
| DRC,2019,rural,male,29,25-34,fourth,secondary,self_employed,13.6,3.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2020,urban,male,73,55+,second,secondary,employed_informal,1.6,0.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2019,urban,male,40,35-44,fourth,primary,self_employed,0.8,2.2,1,fixed_deposit,BCDC,2,0,1098.58,none,0,1,0,low_burden |
| Malawi,2021,urban,male,68,55+,lowest,secondary,employed_informal,0.2,0.2,1,fixed_deposit,NBS Bank,2,0,70.59,none,1,0,1,low_burden |
| Ethiopia,2022,urban,female,49,45-54,middle,primary,unemployed,0.8,2.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2024,urban,male,46,45-54,middle,primary,unemployed,4.2,3.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2020,rural,male,71,55+,highest,secondary,student,5.8,0.5,1,savings,Access Bank,2,0,1316.17,none,1,0,0,low_burden |
| Ghana,2024,urban,male,57,55+,lowest,secondary,employed_informal,2.0,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2023,rural,male,31,25-34,second,primary,employed_informal,17.6,3.4,1,current,Bank of Kigali,1,0,550.73,none,0,0,0,low_burden |
| Niger,2020,urban,female,34,25-34,middle,primary,unemployed,1.1,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2025,rural,male,55,45-54,highest,secondary,employed_informal,38.6,5.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2021,urban,male,18,18-24,fourth,primary,employed_informal,2.7,5.4,1,fixed_deposit,Zanaco,1,0,482.09,none,0,0,0,low_burden |
| Ethiopia,2019,rural,female,26,25-34,fourth,none,student,14.1,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2025,rural,female,22,18-24,middle,secondary,unemployed,21.6,1.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2025,urban,female,58,55+,middle,secondary,unemployed,2.2,0.5,1,savings,FNB,0,18,0.0,none,0,0,0,low_burden |
| Uganda,2018,rural,female,43,35-44,highest,none,employed_informal,1.7,4.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2025,urban,female,18,18-24,highest,secondary,self_employed,0.6,4.7,1,savings,Absa,2,0,759.22,none,0,1,1,low_burden |
| Malawi,2025,rural,female,60,55+,fourth,secondary,self_employed,6.5,15.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2024,rural,female,55,45-54,fourth,primary,self_employed,8.0,2.9,1,savings,BDM,4,0,273.47,none,0,0,0,low_burden |
| Malawi,2020,rural,male,58,55+,highest,primary,employed_formal,6.7,3.3,1,savings,NBS Bank,2,0,1405.26,none,0,1,0,low_burden |
| Tanzania,2023,urban,female,27,25-34,lowest,primary,unemployed,3.3,1.0,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2022,urban,female,67,55+,second,primary,employed_informal,2.6,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2022,urban,female,28,25-34,highest,secondary,self_employed,0.8,0.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Nigeria,2022,urban,male,50,45-54,middle,primary,unemployed,3.5,4.5,1,savings,Access Bank,2,0,1815.24,none,0,0,0,low_burden |
| Niger,2023,urban,female,49,45-54,lowest,tertiary,unemployed,4.2,1.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2022,rural,male,30,25-34,middle,primary,employed_informal,11.2,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2023,rural,female,39,35-44,middle,secondary,self_employed,6.5,4.7,1,fixed_deposit,Commercial Bank of Ethiopia,2,0,326.9,none,0,0,0,low_burden |
| Mozambique,2022,rural,male,20,18-24,fourth,secondary,self_employed,1.8,4.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Rwanda,2018,urban,female,44,35-44,fourth,secondary,employed_informal,1.2,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2018,urban,female,56,55+,lowest,tertiary,employed_formal,0.3,1.0,1,fixed_deposit,Awash Bank,2,0,370.66,none,0,0,1,low_burden |
| Kenya,2025,rural,male,35,25-34,second,secondary,self_employed,10.8,9.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2025,urban,male,48,45-54,lowest,primary,unemployed,0.9,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2022,urban,male,72,55+,highest,tertiary,student,7.5,1.6,1,current,Stanbic,1,0,1327.92,none,0,0,0,low_burden |
| Mali,2019,rural,female,31,25-34,lowest,tertiary,employed_informal,2.4,3.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2024,rural,female,34,25-34,middle,tertiary,employed_informal,15.7,8.2,1,fixed_deposit,Stanbic,3,0,366.79,none,0,1,0,low_burden |
| Zambia,2019,rural,female,24,18-24,middle,none,employed_informal,36.0,0.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2021,urban,male,48,45-54,middle,none,student,8.5,0.5,1,salary_account,UBA,2,0,756.1,none,0,1,0,low_burden |
| Niger,2020,rural,female,29,25-34,middle,primary,unemployed,28.7,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2018,urban,female,66,55+,fourth,secondary,student,0.7,0.7,1,current,UBA,0,16,0.0,none,0,1,0,low_burden |
| Malawi,2024,urban,male,34,25-34,middle,none,self_employed,0.3,3.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2022,rural,male,55,45-54,lowest,primary,employed_informal,11.7,16.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2020,urban,male,28,25-34,second,secondary,self_employed,3.3,5.5,1,salary_account,BCI,2,0,98.26,none,0,1,0,low_burden |
| South Africa,2022,rural,male,36,35-44,middle,primary,employed_informal,24.9,10.8,1,salary_account,Nedbank,0,16,0.0,none,0,0,0,low_burden |
| South Africa,2018,urban,male,27,25-34,second,secondary,employed_informal,5.9,0.2,1,savings,Capitec,1,0,1274.24,none,1,1,0,low_burden |
| Senegal,2021,urban,male,49,45-54,fourth,primary,employed_formal,1.5,0.6,1,salary_account,CBAO,3,0,1267.07,none,0,1,0,low_burden |
| Ghana,2022,rural,male,19,18-24,second,secondary,employed_formal,9.4,2.4,1,salary_account,Fidelity,2,0,777.23,none,0,1,1,low_burden |
| DRC,2020,urban,male,22,18-24,fourth,primary,employed_informal,3.4,3.3,1,savings,BCDC,1,0,670.69,none,0,1,1,low_burden |
| DRC,2024,rural,male,46,45-54,lowest,secondary,student,13.4,1.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2019,urban,female,49,45-54,fourth,secondary,unemployed,2.1,0.0,1,current,Nedbank,2,0,1226.25,none,1,1,0,low_burden |
| Rwanda,2019,rural,female,36,35-44,lowest,primary,unemployed,18.6,12.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2022,urban,male,42,35-44,middle,primary,employed_informal,7.5,0.9,1,savings,Access Bank,0,11,0.0,none,0,0,0,low_burden |
| Zambia,2025,urban,female,41,35-44,second,secondary,unemployed,5.7,2.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2021,rural,female,61,55+,middle,secondary,employed_informal,14.4,5.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2018,urban,male,43,35-44,lowest,none,employed_formal,3.1,3.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2025,urban,male,66,55+,fourth,secondary,employed_informal,4.9,0.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2021,rural,male,30,25-34,middle,primary,employed_formal,50.1,7.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2019,rural,female,29,25-34,highest,primary,unemployed,0.4,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2022,rural,male,41,35-44,fourth,primary,unemployed,26.8,26.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2020,rural,male,22,18-24,middle,primary,employed_informal,33.1,10.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2025,rural,female,56,55+,fourth,none,self_employed,13.1,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,rural,female,40,35-44,lowest,primary,employed_informal,10.2,12.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2022,rural,male,38,35-44,middle,none,employed_informal,8.7,6.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2022,urban,female,48,45-54,second,primary,self_employed,2.5,3.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2019,urban,female,22,18-24,fourth,secondary,unemployed,0.1,0.3,1,savings,Moza Banco,2,0,1738.63,none,1,1,1,low_burden |
| Nigeria,2021,rural,female,39,35-44,lowest,secondary,unemployed,11.0,1.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2018,rural,female,73,55+,second,none,employed_formal,56.7,8.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2023,rural,female,53,45-54,middle,none,self_employed,5.3,15.5,1,current,GTBank,1,0,465.0,none,0,0,0,low_burden |
| Ghana,2024,urban,male,50,45-54,second,secondary,employed_formal,2.3,2.7,1,savings,Absa,2,0,166.67,none,0,1,0,low_burden |
| Mozambique,2025,urban,male,46,45-54,lowest,secondary,employed_formal,3.8,2.2,1,current,Millennium BIM,3,0,86.5,none,0,1,0,low_burden |
| South Africa,2020,rural,female,44,35-44,second,secondary,employed_formal,14.0,12.6,1,savings,Capitec,0,11,0.0,none,0,1,0,low_burden |
| Kenya,2020,rural,male,71,55+,fourth,primary,employed_formal,7.9,17.2,1,savings,KCB,2,0,587.78,none,0,1,0,low_burden |
| Rwanda,2022,urban,female,71,55+,lowest,none,employed_informal,2.4,0.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ghana,2023,rural,male,41,35-44,second,primary,employed_informal,1.6,34.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2025,rural,female,70,55+,highest,secondary,unemployed,3.6,26.9,1,current,UBA,2,0,1990.61,none,1,0,1,low_burden |
| Tanzania,2018,rural,male,22,18-24,highest,primary,employed_informal,10.0,10.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2019,urban,male,36,35-44,lowest,none,employed_formal,0.0,3.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2020,rural,female,35,25-34,middle,none,student,3.3,11.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2020,rural,male,57,55+,lowest,secondary,unemployed,1.3,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2021,rural,female,52,45-54,highest,primary,employed_formal,3.2,14.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2024,urban,female,44,35-44,second,secondary,employed_informal,6.1,0.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2018,rural,female,32,25-34,second,primary,employed_informal,9.2,0.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2024,rural,female,46,45-54,second,primary,student,38.8,22.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2022,urban,female,33,25-34,middle,primary,employed_informal,2.2,0.0,1,salary_account,Centenary,2,0,438.93,none,0,0,0,low_burden |
| Tanzania,2022,rural,female,46,45-54,lowest,tertiary,employed_formal,4.2,6.5,1,savings,Absa,4,0,124.35,none,0,1,1,low_burden |
| Ghana,2023,rural,male,37,35-44,fourth,none,unemployed,6.7,0.2,1,savings,Fidelity,1,0,1418.04,none,1,0,0,low_burden |
| DRC,2018,rural,female,68,55+,middle,none,unemployed,3.6,8.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2023,urban,female,60,55+,middle,secondary,employed_informal,6.6,0.6,1,savings,BCDC,0,3,0.0,none,0,0,0,low_burden |
| DRC,2019,rural,male,27,25-34,fourth,none,employed_informal,16.9,2.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2022,urban,female,71,55+,lowest,primary,employed_informal,3.8,0.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2023,rural,male,55,45-54,lowest,primary,employed_informal,6.9,14.8,1,savings,Société Générale,2,0,127.2,none,0,0,0,low_burden |
| Rwanda,2022,rural,female,37,35-44,second,secondary,employed_informal,41.8,10.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2020,urban,male,48,45-54,fourth,primary,unemployed,0.4,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2021,urban,female,29,25-34,lowest,secondary,unemployed,9.2,1.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2021,urban,male,20,18-24,fourth,secondary,unemployed,6.4,0.7,1,savings,Coris Bank,1,0,511.08,none,0,1,0,low_burden |
| Mali,2018,rural,female,41,35-44,middle,secondary,unemployed,9.2,9.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,rural,male,62,55+,middle,primary,self_employed,12.7,0.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2018,rural,female,38,35-44,middle,secondary,employed_informal,2.7,7.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2021,urban,female,39,35-44,lowest,tertiary,unemployed,2.3,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2023,urban,female,74,55+,lowest,secondary,employed_formal,3.2,0.1,1,savings,Dashen Bank,3,0,389.99,none,0,1,1,low_burden |
| Mali,2018,urban,male,74,55+,fourth,none,employed_formal,11.1,1.0,1,current,BDM,2,0,1280.56,none,0,1,0,low_burden |
| Senegal,2025,rural,male,44,35-44,second,secondary,employed_formal,36.8,11.2,1,savings,Ecobank,2,0,125.79,none,0,1,0,low_burden |
| Mozambique,2021,rural,male,20,18-24,middle,secondary,unemployed,6.5,1.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2018,rural,female,56,55+,highest,tertiary,self_employed,46.2,11.7,1,current,Commercial Bank of Ethiopia,1,0,572.46,none,0,0,0,low_burden |
| Mozambique,2023,urban,male,58,55+,lowest,primary,self_employed,1.6,0.4,1,savings,Millennium BIM,1,0,75.82,none,0,1,1,low_burden |
| DRC,2022,rural,female,70,55+,second,secondary,self_employed,37.4,1.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2023,urban,male,72,55+,second,secondary,unemployed,5.3,8.2,1,salary_account,CRDB,3,0,327.05,none,0,1,1,low_burden |
| Zambia,2024,rural,female,53,45-54,lowest,tertiary,employed_formal,18.3,3.1,1,savings,Absa,1,0,472.18,none,0,0,0,low_burden |
| Zambia,2021,rural,male,24,18-24,highest,secondary,employed_informal,7.1,10.2,1,savings,First National Bank,2,0,5284.38,none,0,0,0,low_burden |
| Mali,2024,rural,male,32,25-34,highest,tertiary,unemployed,29.3,3.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2020,rural,male,58,55+,second,primary,self_employed,21.4,8.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2022,urban,male,52,45-54,highest,none,self_employed,1.0,3.3,1,savings,Equity BCDC,2,0,3026.01,none,0,0,0,low_burden |
| Ethiopia,2019,rural,male,42,35-44,lowest,primary,employed_informal,12.5,1.4,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2022,urban,male,40,35-44,highest,secondary,student,4.0,0.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2020,rural,female,58,55+,fourth,none,employed_informal,16.6,3.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2023,urban,female,42,35-44,lowest,secondary,unemployed,6.5,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2024,urban,male,26,25-34,middle,tertiary,unemployed,3.9,2.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2024,urban,female,73,55+,fourth,tertiary,unemployed,2.3,6.2,1,savings,Ecobank,0,6,0.0,none,0,1,0,low_burden |
| Uganda,2025,urban,male,37,35-44,second,secondary,employed_formal,2.0,4.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2018,rural,male,33,25-34,second,secondary,self_employed,19.0,3.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2019,rural,male,21,18-24,middle,none,employed_informal,8.2,10.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2025,urban,male,44,35-44,lowest,primary,employed_informal,5.2,0.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2021,rural,male,74,55+,lowest,secondary,employed_informal,3.0,9.1,1,salary_account,BHS,2,0,849.73,none,0,1,0,low_burden |
| Zambia,2018,rural,female,27,25-34,lowest,secondary,employed_informal,3.4,7.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2020,urban,female,31,25-34,fourth,primary,employed_informal,8.7,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2024,urban,female,28,25-34,second,none,self_employed,7.7,0.1,1,savings,Absa,0,2,0.0,none,0,1,0,low_burden |
| Zambia,2020,rural,female,23,18-24,middle,secondary,employed_informal,1.1,7.5,1,savings,Stanbic,4,0,587.52,none,0,0,0,low_burden |
| Uganda,2018,rural,male,52,45-54,lowest,primary,employed_informal,34.2,9.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2023,urban,female,34,25-34,lowest,secondary,employed_informal,0.8,0.3,1,current,NCBA,2,0,446.67,none,0,1,0,low_burden |
| Ethiopia,2019,rural,male,60,55+,middle,primary,unemployed,8.6,5.3,1,savings,Commercial Bank of Ethiopia,0,22,0.0,none,0,0,0,low_burden |
| South Africa,2020,urban,male,40,35-44,lowest,secondary,employed_formal,0.8,2.5,1,current,Absa,2,0,116.47,none,0,0,0,low_burden |
| Mozambique,2018,urban,male,54,45-54,middle,secondary,unemployed,0.4,0.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2022,rural,male,23,18-24,second,secondary,employed_informal,8.6,15.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2021,rural,female,36,35-44,fourth,secondary,self_employed,11.3,6.6,1,savings,Ecobank,3,0,237.39,none,0,0,0,low_burden |
| Ethiopia,2024,rural,male,41,35-44,second,primary,unemployed,4.4,1.2,1,fixed_deposit,Dashen Bank,0,23,0.0,none,0,0,0,low_burden |
| Nigeria,2020,urban,male,21,18-24,fourth,primary,self_employed,2.3,0.0,1,salary_account,Zenith Bank,0,3,0.0,none,0,0,0,low_burden |
| Kenya,2019,urban,female,41,35-44,lowest,tertiary,self_employed,2.9,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2019,urban,female,44,35-44,highest,primary,student,0.1,0.3,1,savings,Awash Bank,1,0,1296.84,none,0,0,0,low_burden |
| Tanzania,2019,urban,female,41,35-44,second,secondary,employed_formal,1.5,1.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2021,urban,female,46,45-54,lowest,none,employed_informal,1.1,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2018,rural,female,63,55+,middle,secondary,student,9.7,3.6,1,savings,Fidelity,2,0,452.37,none,0,1,0,low_burden |
| Kenya,2021,rural,male,61,55+,lowest,primary,unemployed,31.8,5.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Rwanda,2024,rural,male,18,18-24,second,secondary,self_employed,0.7,12.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2024,urban,male,54,45-54,fourth,secondary,employed_informal,0.6,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2023,urban,male,69,55+,fourth,primary,employed_informal,0.2,2.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2025,rural,female,67,55+,middle,primary,unemployed,1.2,3.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2024,urban,female,36,35-44,highest,tertiary,unemployed,2.1,0.6,1,current,NBS Bank,0,21,0.0,none,0,1,0,low_burden |
| Tanzania,2023,rural,female,62,55+,second,secondary,employed_informal,14.3,29.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2024,urban,female,63,55+,lowest,tertiary,employed_formal,0.1,2.9,1,current,Access Bank,2,0,1454.62,none,0,0,0,low_burden |
| Senegal,2018,rural,female,38,35-44,fourth,secondary,unemployed,3.3,5.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2024,rural,female,67,55+,lowest,secondary,self_employed,9.7,2.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Kenya,2020,rural,female,54,45-54,lowest,secondary,student,21.1,3.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2023,rural,male,60,55+,lowest,tertiary,employed_informal,6.5,6.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2025,rural,male,60,55+,second,secondary,employed_informal,4.3,23.4,1,current,Absa,1,0,335.04,none,0,1,0,low_burden |
| Nigeria,2021,urban,female,62,55+,second,primary,employed_informal,9.6,1.7,1,savings,UBA,3,0,148.47,none,0,0,0,low_burden |
| Niger,2018,rural,male,72,55+,second,secondary,self_employed,8.3,1.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2020,rural,female,66,55+,middle,tertiary,employed_informal,0.5,10.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2021,rural,male,42,35-44,fourth,primary,employed_formal,93.4,14.0,1,savings,Bank of Kigali,3,0,1783.49,none,1,1,1,low_burden |
| Niger,2025,rural,female,50,45-54,highest,none,employed_informal,13.4,15.8,1,current,BAK,0,17,0.0,none,0,1,0,low_burden |
| South Africa,2025,urban,male,54,45-54,lowest,secondary,employed_informal,2.3,0.4,1,savings,Absa,2,0,100.18,none,0,1,1,low_burden |
| DRC,2022,rural,male,66,55+,lowest,secondary,unemployed,7.7,4.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2025,rural,female,40,35-44,middle,primary,employed_informal,21.1,4.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2021,urban,male,35,25-34,lowest,secondary,self_employed,0.6,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2021,urban,female,60,55+,second,secondary,self_employed,1.1,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2024,urban,male,72,55+,middle,primary,employed_formal,3.4,1.8,1,savings,Capitec,1,0,560.84,none,1,0,0,low_burden |
| Mali,2023,rural,male,69,55+,fourth,secondary,self_employed,8.8,11.1,1,savings,BDM,1,0,1663.1,none,0,0,0,low_burden |
| Rwanda,2022,urban,male,26,25-34,lowest,primary,unemployed,0.0,5.2,1,savings,Ecobank,0,8,0.0,none,0,0,0,low_burden |
| Mozambique,2021,urban,female,70,55+,middle,secondary,self_employed,7.9,0.3,1,fixed_deposit,BCI,2,0,237.29,none,0,0,1,low_burden |
| Zambia,2023,urban,female,62,55+,middle,none,self_employed,0.4,4.7,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Niger,2024,rural,male,26,25-34,highest,secondary,unemployed,8.0,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2021,urban,male,18,18-24,second,primary,student,0.7,0.7,1,savings,Absa,3,0,1128.42,none,1,0,1,low_burden |
| South Africa,2018,urban,female,29,25-34,fourth,tertiary,unemployed,2.3,0.7,1,savings,Nedbank,0,4,0.0,none,0,1,0,low_burden |
| Rwanda,2018,rural,female,70,55+,fourth,secondary,employed_informal,11.6,3.3,1,salary_account,Ecobank,0,16,0.0,none,0,0,0,low_burden |
| Mali,2019,urban,male,61,55+,lowest,primary,self_employed,1.8,3.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2021,rural,male,50,45-54,middle,tertiary,self_employed,8.7,6.8,1,current,National Bank,2,0,1231.58,none,0,1,0,low_burden |
| Mozambique,2022,rural,male,53,45-54,fourth,primary,employed_informal,3.3,0.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2024,urban,male,41,35-44,second,secondary,self_employed,0.6,0.1,1,fixed_deposit,Stanbic,4,0,444.63,none,0,0,0,low_burden |
| Uganda,2019,rural,female,69,55+,second,tertiary,unemployed,15.2,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2024,urban,female,26,25-34,second,tertiary,employed_informal,1.8,2.7,1,fixed_deposit,Stanbic,2,0,1360.97,none,0,0,0,low_burden |
| Niger,2023,urban,female,35,25-34,fourth,secondary,unemployed,1.4,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2018,urban,female,29,25-34,lowest,tertiary,student,2.2,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,urban,male,66,55+,middle,primary,employed_informal,5.5,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2020,urban,female,48,45-54,lowest,primary,employed_formal,1.1,0.1,1,current,Ecobank,1,0,135.48,none,0,0,0,low_burden |
| Senegal,2025,rural,male,56,55+,middle,none,student,40.1,11.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2025,urban,male,70,55+,fourth,primary,employed_informal,2.2,0.0,1,savings,Nedbank,3,0,1556.11,none,0,0,0,low_burden |
| Rwanda,2024,urban,female,29,25-34,middle,secondary,unemployed,3.3,0.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2022,rural,male,72,55+,middle,primary,employed_formal,7.7,7.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2021,rural,female,25,18-24,second,secondary,employed_informal,1.5,2.2,1,savings,Nedbank,1,0,418.91,none,0,0,1,low_burden |
| Uganda,2020,urban,female,60,55+,second,none,employed_informal,0.4,0.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2024,urban,female,58,55+,fourth,primary,employed_informal,2.9,2.7,1,savings,Nedbank,1,0,494.89,none,0,1,0,low_burden |
| Nigeria,2018,urban,female,65,55+,lowest,secondary,student,0.5,0.8,1,savings,Access Bank,0,1,0.0,none,0,1,1,low_burden |
| Tanzania,2020,urban,male,27,25-34,fourth,none,employed_informal,0.7,1.8,1,savings,Stanbic,0,4,0.0,none,0,0,0,low_burden |
| DRC,2019,rural,male,72,55+,middle,secondary,employed_informal,38.0,7.5,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2021,rural,female,63,55+,highest,secondary,unemployed,3.8,3.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2020,urban,female,24,18-24,second,secondary,student,1.2,1.8,1,savings,Capitec,2,0,206.1,none,0,0,0,low_burden |
| Mali,2019,urban,female,49,45-54,middle,tertiary,employed_informal,3.6,8.4,1,savings,BMCD,3,0,2538.85,none,1,0,1,low_burden |
| Rwanda,2021,rural,male,64,55+,lowest,tertiary,unemployed,35.3,4.7,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ethiopia,2024,rural,male,45,35-44,highest,none,employed_formal,8.8,16.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2022,urban,male,39,35-44,fourth,secondary,unemployed,4.0,0.1,1,savings,NCBA,2,0,1923.8,none,0,1,0,low_burden |
| Uganda,2024,urban,female,33,25-34,middle,primary,unemployed,3.5,1.5,1,savings,Centenary,4,0,1018.63,none,0,0,0,low_burden |
| Tanzania,2025,rural,female,47,45-54,fourth,primary,unemployed,12.3,16.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2025,rural,female,74,55+,second,secondary,self_employed,3.2,21.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2020,urban,male,52,45-54,middle,secondary,student,1.5,0.7,1,savings,Zanaco,1,0,303.2,none,0,1,0,low_burden |
| Mali,2025,urban,female,59,55+,fourth,secondary,employed_informal,0.3,7.1,1,current,BDM,2,0,1452.39,none,0,0,0,low_burden |
| South Africa,2025,urban,male,62,55+,lowest,secondary,unemployed,1.2,1.3,1,salary_account,Nedbank,2,0,137.03,none,0,0,1,low_burden |
| Zambia,2025,urban,male,62,55+,highest,secondary,unemployed,1.6,1.0,1,current,Absa,1,0,6457.77,none,1,1,0,low_burden |
| Mozambique,2020,rural,male,40,35-44,highest,secondary,employed_informal,35.0,8.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2019,rural,female,61,55+,highest,none,student,2.5,1.9,1,salary_account,FNB,0,3,0.0,none,1,0,0,low_burden |
| DRC,2022,rural,male,36,35-44,fourth,none,unemployed,4.8,9.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2025,urban,male,51,45-54,second,secondary,unemployed,5.0,2.9,1,savings,NBS Bank,3,0,884.42,none,0,0,1,low_burden |
| Tanzania,2025,urban,female,35,25-34,middle,secondary,employed_informal,0.1,4.4,1,current,CRDB,0,4,0.0,none,0,1,0,low_burden |
| South Africa,2022,rural,female,71,55+,lowest,none,unemployed,11.5,9.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2019,rural,male,59,55+,fourth,primary,employed_informal,48.7,6.4,1,savings,Absa,4,0,1719.98,none,0,1,0,low_burden |
| Malawi,2021,urban,male,51,45-54,lowest,primary,student,5.7,0.7,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Uganda,2023,urban,female,43,35-44,highest,secondary,employed_formal,1.2,1.6,1,savings,Stanbic,3,0,3193.35,none,0,1,0,low_burden |
| Mali,2022,rural,female,47,45-54,lowest,primary,self_employed,17.3,5.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2020,rural,female,62,55+,lowest,primary,employed_formal,1.1,20.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2020,rural,male,33,25-34,lowest,none,unemployed,9.5,2.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2018,rural,female,65,55+,fourth,primary,employed_informal,0.9,7.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2020,rural,female,34,25-34,lowest,secondary,unemployed,11.8,7.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2023,rural,male,26,25-34,lowest,tertiary,unemployed,8.7,23.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2019,urban,male,60,55+,lowest,primary,employed_informal,7.0,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2025,rural,female,58,55+,second,secondary,unemployed,18.5,0.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2018,rural,male,37,35-44,highest,secondary,unemployed,13.5,11.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2022,urban,female,54,45-54,middle,secondary,employed_informal,1.0,1.1,1,current,NBS Bank,0,1,0.0,none,0,0,0,low_burden |
| DRC,2021,rural,female,59,55+,second,primary,employed_informal,8.8,0.1,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ghana,2024,urban,male,62,55+,lowest,none,employed_informal,1.0,0.2,1,current,GCB,0,9,0.0,none,0,1,0,low_burden |
| Kenya,2025,urban,female,72,55+,lowest,tertiary,employed_formal,3.1,0.9,1,savings,Equity Bank,2,0,171.46,none,1,0,0,low_burden |
| Kenya,2022,urban,male,66,55+,second,tertiary,self_employed,4.1,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2023,rural,female,43,35-44,lowest,primary,self_employed,11.3,13.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2023,rural,female,31,25-34,lowest,secondary,self_employed,26.6,9.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2022,rural,female,23,18-24,lowest,none,student,1.3,7.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2019,rural,male,50,45-54,second,none,employed_formal,15.8,2.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2021,rural,female,55,45-54,fourth,none,unemployed,1.4,1.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2019,rural,female,57,55+,lowest,secondary,unemployed,10.3,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2021,rural,female,18,18-24,fourth,primary,unemployed,22.2,3.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2022,urban,female,57,55+,middle,primary,self_employed,0.6,0.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Niger,2019,rural,male,62,55+,highest,none,employed_informal,21.4,2.7,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Rwanda,2019,rural,female,59,55+,lowest,none,unemployed,14.4,5.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2024,rural,male,47,45-54,fourth,primary,unemployed,28.2,11.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2021,urban,male,18,18-24,highest,secondary,unemployed,2.7,0.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| DRC,2019,rural,female,45,35-44,highest,secondary,employed_informal,24.5,6.2,1,savings,Rawbank,1,0,2451.24,none,0,0,0,low_burden |
| Mali,2023,rural,female,54,45-54,fourth,primary,self_employed,0.2,0.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2023,urban,female,50,45-54,lowest,primary,employed_informal,2.9,2.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2024,rural,male,50,45-54,highest,secondary,self_employed,15.0,6.5,1,current,Commercial Bank of Ethiopia,2,0,5696.89,none,0,1,0,low_burden |
| DRC,2024,urban,male,47,45-54,fourth,primary,unemployed,16.9,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2025,urban,female,49,45-54,lowest,primary,employed_informal,3.9,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2022,urban,male,36,35-44,lowest,tertiary,employed_informal,3.7,0.1,1,savings,Stanbic,1,0,267.18,none,0,1,0,low_burden |
| Mozambique,2020,rural,female,52,45-54,highest,secondary,employed_formal,21.3,1.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2024,rural,female,34,25-34,lowest,primary,employed_informal,2.2,7.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2020,urban,male,46,45-54,fourth,primary,employed_informal,1.0,2.5,1,savings,DFCU,3,0,420.75,none,0,1,1,low_burden |
| Rwanda,2020,rural,male,41,35-44,second,none,employed_formal,16.2,10.9,1,savings,Equity Bank,1,0,914.67,none,0,0,0,low_burden |
| Ghana,2024,urban,male,58,55+,fourth,none,employed_informal,1.9,5.3,1,savings,Fidelity,2,0,478.7,none,1,0,0,low_burden |
| DRC,2025,rural,female,69,55+,lowest,tertiary,self_employed,28.4,16.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,rural,female,54,45-54,fourth,secondary,unemployed,17.0,7.7,1,savings,Standard Bank,4,0,805.09,none,0,0,0,low_burden |
| Kenya,2023,rural,male,25,18-24,middle,none,employed_informal,10.6,8.2,1,savings,Stanbic,2,0,342.29,none,0,1,0,low_burden |
| South Africa,2025,rural,male,56,55+,highest,none,employed_formal,42.8,30.3,1,savings,Capitec,2,0,205.91,none,0,0,0,low_burden |
| Zambia,2024,rural,male,36,35-44,lowest,primary,unemployed,35.4,1.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ghana,2018,rural,male,20,18-24,lowest,primary,employed_informal,22.1,9.0,1,current,Stanbic,3,0,211.63,none,0,0,0,low_burden |
| Niger,2023,urban,female,28,25-34,lowest,secondary,employed_informal,5.5,3.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2019,urban,female,74,55+,lowest,primary,self_employed,2.4,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2024,urban,male,42,35-44,highest,tertiary,student,3.1,1.5,1,current,NCBA,4,0,9441.1,none,0,0,1,low_burden |
| Mali,2018,rural,female,29,25-34,lowest,secondary,employed_informal,4.4,15.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2025,rural,male,25,18-24,lowest,tertiary,student,3.7,30.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2019,rural,male,55,45-54,fourth,tertiary,employed_informal,5.8,16.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2021,urban,female,61,55+,lowest,tertiary,employed_formal,3.3,2.0,1,savings,Millennium BIM,3,0,237.6,none,0,0,0,low_burden |
| Rwanda,2019,urban,male,38,35-44,lowest,tertiary,employed_informal,12.3,1.5,1,savings,Bank of Kigali,3,0,1968.94,none,0,0,1,low_burden |
| Niger,2024,rural,male,23,18-24,fourth,primary,unemployed,6.1,15.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2021,rural,female,38,35-44,second,primary,self_employed,5.7,38.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2023,urban,female,55,45-54,fourth,none,self_employed,1.0,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2018,urban,male,24,18-24,middle,secondary,student,5.8,1.4,1,fixed_deposit,FDH Bank,0,20,0.0,none,0,1,0,low_burden |
| DRC,2021,urban,female,33,25-34,second,secondary,self_employed,4.8,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2025,rural,male,18,18-24,middle,none,employed_formal,3.5,10.7,1,salary_account,First National Bank,3,0,442.32,none,0,0,0,low_burden |
| Ethiopia,2025,urban,female,44,35-44,highest,secondary,unemployed,4.0,0.7,1,salary_account,Awash Bank,3,0,1981.81,none,0,0,0,low_burden |
| Mali,2019,urban,male,27,25-34,second,secondary,employed_informal,1.0,0.9,1,current,Coris Bank,2,0,308.35,none,0,1,1,low_burden |
| DRC,2021,rural,female,29,25-34,fourth,secondary,self_employed,19.3,20.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2021,urban,male,24,18-24,second,primary,unemployed,1.4,4.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Tanzania,2022,urban,female,59,55+,middle,none,self_employed,2.4,0.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2022,urban,female,45,35-44,fourth,secondary,employed_informal,2.4,2.0,1,salary_account,Sonibank,2,0,865.13,none,0,0,0,low_burden |
| Senegal,2018,rural,male,72,55+,lowest,none,self_employed,10.5,14.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2024,urban,female,40,35-44,second,secondary,employed_formal,5.8,0.9,1,savings,FDH Bank,2,0,450.61,none,0,0,0,low_burden |
| Ethiopia,2019,urban,male,30,25-34,lowest,primary,employed_informal,2.8,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2020,urban,female,29,25-34,fourth,primary,self_employed,1.0,0.8,1,savings,Equity Bank,1,0,2759.62,none,0,1,0,low_burden |
| Tanzania,2024,rural,male,72,55+,middle,primary,employed_informal,10.8,13.9,1,savings,Stanbic,0,7,0.0,none,0,0,0,low_burden |
| Senegal,2023,rural,male,51,45-54,second,secondary,employed_formal,9.2,0.3,1,savings,CBAO,2,0,171.32,none,0,1,0,low_burden |
| Mozambique,2021,urban,female,36,35-44,lowest,primary,self_employed,13.7,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2025,urban,male,55,45-54,highest,tertiary,employed_informal,3.2,0.2,1,savings,Rawbank,1,0,1671.67,none,0,0,0,low_burden |
| Nigeria,2021,urban,female,49,45-54,second,none,employed_informal,0.1,3.2,1,current,Access Bank,1,0,548.51,none,0,0,0,low_burden |
| Niger,2022,rural,female,24,18-24,second,tertiary,student,13.7,13.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2019,rural,male,57,55+,lowest,none,employed_formal,7.6,5.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2019,rural,male,24,18-24,middle,primary,employed_informal,25.6,6.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2021,urban,female,29,25-34,second,tertiary,unemployed,1.6,3.7,1,savings,Commercial Bank of Ethiopia,3,0,933.25,none,0,0,0,low_burden |
| Malawi,2022,rural,female,58,55+,fourth,secondary,employed_formal,27.3,4.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2024,rural,male,43,35-44,fourth,secondary,student,20.6,8.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2021,urban,male,30,25-34,lowest,secondary,self_employed,5.0,0.3,1,savings,NBS Bank,0,6,0.0,none,0,1,0,low_burden |
| DRC,2025,urban,female,21,18-24,middle,primary,self_employed,0.5,1.7,1,salary_account,BCDC,4,0,88.98,none,0,0,1,low_burden |
| Senegal,2022,urban,female,51,45-54,lowest,secondary,employed_informal,2.5,1.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2018,rural,female,57,55+,lowest,none,employed_informal,49.8,2.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,rural,male,29,25-34,middle,secondary,unemployed,30.6,1.2,1,current,Ecobank,2,0,163.35,none,1,1,0,low_burden |
| Tanzania,2022,rural,female,41,35-44,lowest,tertiary,employed_formal,4.3,3.8,1,savings,NBC,4,0,190.01,none,1,1,0,low_burden |
| Mali,2021,rural,female,37,35-44,highest,tertiary,unemployed,26.6,1.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2021,urban,male,68,55+,middle,secondary,unemployed,0.3,0.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2020,urban,male,63,55+,lowest,secondary,unemployed,2.4,2.0,1,savings,BHS,0,24,0.0,none,0,0,0,low_burden |
| Nigeria,2022,urban,male,33,25-34,highest,secondary,employed_formal,1.4,3.8,1,savings,Zenith Bank,0,12,0.0,none,0,0,0,low_burden |
| Uganda,2022,rural,female,47,45-54,middle,primary,unemployed,39.5,0.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2021,rural,male,70,55+,lowest,tertiary,unemployed,2.8,10.3,1,savings,BHS,2,0,450.36,none,0,0,0,low_burden |
| Nigeria,2020,urban,female,37,35-44,middle,secondary,employed_formal,1.2,3.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2021,urban,female,26,25-34,highest,primary,unemployed,3.2,0.9,1,savings,Standard Bank,1,0,1130.13,none,0,0,0,low_burden |
| DRC,2021,rural,male,35,25-34,second,secondary,employed_formal,6.5,20.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2021,rural,female,52,45-54,second,none,student,1.6,4.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2020,rural,female,74,55+,second,secondary,employed_formal,18.7,2.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2022,urban,male,35,25-34,second,secondary,employed_informal,1.1,0.7,1,current,CBAO,2,0,572.37,none,0,1,0,low_burden |
| Kenya,2019,rural,female,21,18-24,lowest,primary,unemployed,1.0,8.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2022,rural,female,28,25-34,middle,none,employed_formal,1.7,13.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2018,rural,male,41,35-44,highest,secondary,employed_informal,2.0,0.5,1,salary_account,Absa,2,0,8078.03,none,0,1,1,low_burden |
| Mozambique,2021,rural,female,23,18-24,fourth,primary,employed_formal,18.1,7.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2024,rural,female,19,18-24,lowest,tertiary,unemployed,2.8,0.9,1,savings,Ecobank,1,0,185.47,none,0,0,1,low_burden |
| Zambia,2024,rural,male,55,45-54,second,none,employed_formal,19.5,2.4,1,savings,Stanbic,3,0,279.24,none,0,0,1,low_burden |
| Ethiopia,2023,rural,female,64,55+,lowest,primary,self_employed,36.7,4.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2023,urban,female,31,25-34,second,none,self_employed,1.3,0.0,1,savings,Access Bank,1,0,488.87,none,0,1,1,low_burden |
| Uganda,2018,urban,female,47,45-54,middle,secondary,self_employed,2.6,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2020,rural,male,50,45-54,second,secondary,employed_informal,20.5,6.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2023,rural,male,56,55+,fourth,secondary,employed_informal,5.6,6.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2024,urban,male,73,55+,middle,tertiary,student,10.3,3.9,1,fixed_deposit,Centenary,1,0,577.45,none,1,0,0,low_burden |
| Ethiopia,2022,urban,female,68,55+,middle,secondary,unemployed,3.0,0.8,1,savings,Dashen Bank,3,0,613.27,none,0,0,0,low_burden |
| Ghana,2024,rural,female,36,35-44,highest,primary,student,7.8,3.0,1,current,Fidelity,1,0,1436.43,none,1,0,0,low_burden |
| Senegal,2020,rural,female,73,55+,fourth,none,unemployed,33.1,4.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2019,rural,male,19,18-24,highest,tertiary,unemployed,4.3,21.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2018,rural,female,72,55+,fourth,primary,student,3.5,1.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2022,rural,female,26,25-34,middle,tertiary,self_employed,13.4,7.4,1,savings,National Bank,2,0,407.03,none,0,1,1,low_burden |
| South Africa,2023,rural,female,24,18-24,second,tertiary,student,60.9,4.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2020,urban,female,24,18-24,second,secondary,employed_formal,2.2,0.2,1,savings,Bank of Kigali,2,0,150.06,none,0,1,0,low_burden |
| Mozambique,2024,urban,female,24,18-24,highest,secondary,employed_formal,3.5,1.0,1,current,Standard Bank,1,0,2711.45,none,0,0,0,low_burden |
| Ethiopia,2023,rural,male,44,35-44,lowest,tertiary,self_employed,56.1,12.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,urban,female,54,45-54,highest,secondary,self_employed,5.3,1.7,1,savings,FDH Bank,1,0,722.56,none,0,1,1,low_burden |
| Malawi,2019,rural,female,60,55+,second,secondary,self_employed,5.6,2.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2023,rural,female,18,18-24,fourth,primary,self_employed,4.1,29.7,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2023,rural,male,34,25-34,second,primary,self_employed,9.5,3.6,1,fixed_deposit,Capitec,0,1,0.0,none,0,1,0,low_burden |
| South Africa,2019,urban,female,25,18-24,highest,primary,unemployed,7.2,0.5,1,savings,Absa,1,0,863.42,none,0,0,0,low_burden |
| Mali,2020,rural,male,26,25-34,lowest,tertiary,employed_informal,0.5,2.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2021,urban,male,60,55+,second,secondary,employed_informal,0.1,0.8,1,current,First National Bank,1,0,128.55,none,1,1,1,low_burden |
| Senegal,2022,rural,male,54,45-54,highest,secondary,unemployed,35.5,1.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2019,urban,male,29,25-34,second,none,self_employed,6.1,0.2,1,salary_account,Absa,0,15,0.0,none,0,1,0,low_burden |
| Tanzania,2025,rural,male,35,25-34,second,tertiary,unemployed,19.5,8.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2021,rural,female,70,55+,highest,primary,employed_informal,42.3,15.3,1,savings,Dashen Bank,3,0,1278.81,none,0,1,0,low_burden |
| Mozambique,2021,urban,female,50,45-54,fourth,secondary,employed_formal,1.3,1.3,1,current,Millennium BIM,3,0,841.64,none,0,1,1,low_burden |
| Ethiopia,2018,urban,male,31,25-34,lowest,none,student,2.0,2.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2025,rural,female,71,55+,middle,tertiary,employed_formal,1.4,1.4,1,current,Stanbic,0,14,0.0,none,1,0,0,low_burden |
| Senegal,2019,urban,female,29,25-34,lowest,secondary,unemployed,1.0,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2025,urban,female,34,25-34,lowest,primary,employed_informal,8.2,1.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2021,rural,male,57,55+,middle,primary,employed_informal,7.9,8.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2024,rural,male,47,45-54,lowest,primary,unemployed,10.1,3.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2019,rural,female,21,18-24,second,primary,employed_informal,4.6,13.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2019,urban,female,63,55+,second,none,employed_formal,1.6,0.6,1,savings,Stanbic,2,0,139.05,none,0,0,0,low_burden |
| South Africa,2024,rural,female,31,25-34,highest,primary,unemployed,35.1,30.8,1,savings,Standard Bank,1,0,1341.51,none,0,1,1,low_burden |
| Mali,2024,rural,male,57,55+,middle,primary,employed_formal,7.0,1.4,1,savings,BDM,0,11,0.0,none,0,1,0,low_burden |
| Ghana,2022,rural,female,37,35-44,lowest,primary,employed_informal,10.7,2.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,urban,female,60,55+,highest,secondary,self_employed,0.9,1.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Rwanda,2025,urban,female,69,55+,fourth,primary,self_employed,0.4,1.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Rwanda,2021,urban,female,62,55+,second,none,self_employed,0.2,4.6,1,current,Bank of Kigali,0,21,0.0,none,0,1,1,low_burden |
| Kenya,2025,rural,female,70,55+,highest,tertiary,employed_informal,8.6,11.0,1,current,Cooperative Bank,2,0,1889.36,none,0,0,0,low_burden |
| Tanzania,2024,urban,female,48,45-54,second,primary,employed_informal,13.7,1.4,1,savings,NBC,0,17,0.0,none,0,1,0,low_burden |
| DRC,2024,rural,female,21,18-24,second,secondary,employed_informal,7.5,1.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2023,urban,female,48,45-54,second,tertiary,unemployed,0.1,0.0,1,current,Stanbic,3,0,95.5,none,0,1,0,low_burden |
| Tanzania,2023,urban,female,44,35-44,lowest,secondary,employed_formal,4.5,6.9,1,current,Absa,2,0,100.19,none,0,0,0,low_burden |
| Tanzania,2022,urban,male,58,55+,fourth,secondary,student,0.6,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2018,rural,female,32,25-34,middle,secondary,employed_informal,2.2,15.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2021,rural,female,57,55+,highest,secondary,employed_informal,17.6,13.1,1,savings,Access Bank,2,0,7032.71,none,0,0,1,low_burden |
| Ethiopia,2023,urban,female,43,35-44,lowest,secondary,unemployed,0.7,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2024,urban,male,56,55+,lowest,none,employed_informal,3.7,1.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2022,urban,female,41,35-44,second,secondary,self_employed,0.8,1.6,1,savings,NCBA,3,0,190.13,none,0,1,1,low_burden |
| Tanzania,2023,rural,female,39,35-44,lowest,tertiary,student,2.8,14.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2018,urban,male,30,25-34,highest,secondary,unemployed,7.1,0.8,1,savings,NCBA,0,1,0.0,none,0,1,1,low_burden |
| Senegal,2021,rural,male,65,55+,fourth,none,self_employed,52.5,4.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2022,urban,male,21,18-24,fourth,primary,unemployed,0.1,0.5,1,salary_account,Stanbic,2,0,1452.95,none,0,0,1,low_burden |
| Mali,2025,urban,female,31,25-34,fourth,secondary,employed_informal,0.1,0.3,1,savings,BMCD,0,9,0.0,none,0,0,0,low_burden |
| Senegal,2020,rural,female,42,35-44,lowest,primary,unemployed,3.0,2.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2019,rural,female,26,25-34,lowest,secondary,employed_informal,18.2,3.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2020,urban,male,70,55+,second,primary,employed_formal,4.3,0.3,1,savings,Equity Bank,1,0,223.32,none,0,1,0,low_burden |
| Malawi,2019,rural,female,37,35-44,fourth,primary,self_employed,18.4,20.1,1,savings,FDH Bank,1,0,967.48,none,1,0,0,low_burden |
| DRC,2022,urban,female,31,25-34,second,primary,employed_informal,1.7,0.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2023,urban,female,32,25-34,lowest,tertiary,unemployed,3.8,1.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2024,urban,male,28,25-34,middle,tertiary,employed_formal,3.7,1.4,1,savings,Standard Bank,0,14,0.0,none,0,0,0,low_burden |
| South Africa,2025,rural,male,55,45-54,lowest,secondary,employed_formal,0.9,8.0,1,savings,Nedbank,2,0,97.2,none,0,0,0,low_burden |
| Senegal,2018,rural,female,45,35-44,middle,tertiary,self_employed,45.1,7.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Niger,2019,urban,male,31,25-34,lowest,tertiary,self_employed,1.6,0.3,1,savings,Sonibank,1,0,40.17,none,0,0,0,low_burden |
| Ghana,2020,rural,female,67,55+,middle,primary,student,39.2,2.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2019,rural,female,55,45-54,second,none,employed_informal,1.8,17.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2024,rural,male,40,35-44,highest,secondary,employed_formal,4.7,1.5,1,savings,Orabank,0,16,0.0,none,0,0,0,low_burden |
| Mozambique,2019,rural,male,47,45-54,fourth,secondary,employed_formal,3.5,3.3,1,savings,Moza Banco,3,0,579.3,none,0,1,0,low_burden |
| Tanzania,2018,rural,female,55,45-54,lowest,primary,self_employed,6.4,9.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mali,2024,rural,female,26,25-34,fourth,tertiary,employed_formal,31.2,17.5,1,current,Ecobank,0,10,0.0,none,0,1,0,low_burden |
| Zambia,2025,urban,female,64,55+,fourth,primary,unemployed,4.1,0.4,1,current,Absa,0,11,0.0,none,1,1,1,low_burden |
| Nigeria,2019,rural,male,32,25-34,middle,tertiary,employed_formal,11.0,4.3,1,current,Zenith Bank,0,6,0.0,none,0,0,0,low_burden |
| Nigeria,2020,rural,female,19,18-24,highest,secondary,student,4.4,9.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2022,rural,male,47,45-54,fourth,none,self_employed,2.2,0.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2022,rural,female,67,55+,lowest,tertiary,unemployed,9.0,2.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2025,urban,female,59,55+,second,secondary,employed_formal,7.5,1.5,1,savings,DFCU,1,0,477.27,none,0,1,0,low_burden |
| Malawi,2021,rural,male,35,25-34,second,secondary,employed_formal,3.5,3.0,1,salary_account,FDH Bank,3,0,576.65,none,0,1,0,low_burden |
| Rwanda,2018,urban,female,40,35-44,middle,secondary,employed_informal,4.8,2.1,1,savings,Equity Bank,3,0,560.61,none,0,1,0,low_burden |
| Tanzania,2021,rural,female,51,45-54,highest,primary,self_employed,3.6,6.3,1,current,Stanbic,2,0,891.31,none,1,1,0,low_burden |
| South Africa,2022,urban,male,31,25-34,middle,primary,self_employed,0.3,0.4,1,current,Capitec,1,0,1043.99,none,0,0,0,low_burden |
| Mali,2022,urban,female,64,55+,second,none,employed_informal,11.5,0.5,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2022,rural,female,34,25-34,highest,none,employed_informal,4.7,9.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2025,rural,female,30,25-34,fourth,primary,student,88.4,20.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2024,rural,male,23,18-24,second,secondary,employed_informal,23.6,7.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2020,rural,female,57,55+,highest,none,employed_formal,6.5,2.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2020,urban,male,19,18-24,second,secondary,employed_informal,0.2,1.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2023,rural,female,63,55+,middle,primary,employed_informal,58.1,1.7,1,savings,Capitec,3,0,280.63,none,0,0,0,low_burden |
| South Africa,2021,urban,female,73,55+,middle,primary,employed_informal,3.8,2.2,1,savings,Absa,2,0,294.72,none,0,1,0,low_burden |
| Mali,2021,rural,male,24,18-24,highest,tertiary,self_employed,9.6,5.6,1,current,Ecobank,3,0,757.8,none,1,1,1,low_burden |
| Uganda,2019,rural,male,23,18-24,second,tertiary,self_employed,5.8,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2020,urban,female,71,55+,second,secondary,unemployed,3.4,3.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2023,rural,male,25,18-24,middle,none,employed_informal,39.8,18.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2024,rural,female,41,35-44,highest,secondary,employed_formal,16.6,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2024,urban,female,67,55+,lowest,none,unemployed,0.7,3.0,1,current,Fidelity,0,15,0.0,none,0,0,1,low_burden |
| Senegal,2020,rural,female,25,18-24,lowest,secondary,employed_informal,16.0,4.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2019,rural,male,55,45-54,highest,tertiary,employed_informal,22.5,0.3,1,salary_account,Cooperative Bank,2,0,1183.43,none,0,0,0,low_burden |
| South Africa,2019,urban,male,39,35-44,fourth,primary,self_employed,2.2,3.8,1,current,Nedbank,0,6,0.0,none,0,1,1,low_burden |
| Malawi,2021,rural,male,42,35-44,second,tertiary,unemployed,2.2,34.9,1,salary_account,NBS Bank,1,0,264.58,none,0,1,0,low_burden |
| Ghana,2022,urban,female,71,55+,second,secondary,employed_informal,0.1,0.5,1,current,Absa,3,0,423.8,none,0,0,1,low_burden |
| Zambia,2025,urban,female,54,45-54,second,primary,student,1.6,3.0,1,savings,Stanbic,2,0,113.56,none,0,1,1,low_burden |
| Mali,2025,rural,female,36,35-44,fourth,none,employed_informal,0.4,13.1,1,salary_account,BDM,2,0,570.39,none,0,0,0,low_burden |
| Tanzania,2018,urban,male,71,55+,middle,secondary,student,0.1,0.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2023,urban,male,51,45-54,fourth,primary,employed_informal,3.2,0.8,1,fixed_deposit,KCB,1,0,434.48,none,0,0,1,low_burden |
| Kenya,2020,rural,male,23,18-24,lowest,none,unemployed,3.3,11.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2019,urban,female,40,35-44,fourth,none,employed_informal,1.7,1.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2022,rural,male,31,25-34,lowest,tertiary,unemployed,20.6,3.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Rwanda,2018,rural,male,54,45-54,highest,primary,self_employed,2.7,5.4,1,savings,I&M Bank,1,0,2337.09,none,0,0,0,low_burden |
| Ethiopia,2020,urban,female,67,55+,lowest,tertiary,unemployed,1.3,2.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2022,rural,female,20,18-24,lowest,secondary,unemployed,7.6,0.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2020,urban,male,62,55+,lowest,primary,self_employed,0.2,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2022,rural,female,70,55+,lowest,primary,employed_informal,3.4,9.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2021,urban,male,74,55+,second,secondary,employed_informal,0.8,3.6,1,current,BAK,4,0,426.94,none,1,0,1,low_burden |
| Malawi,2024,rural,male,55,45-54,middle,primary,student,24.7,27.0,1,savings,FDH Bank,1,0,219.42,none,1,1,0,low_burden |
| Ghana,2019,urban,male,35,25-34,highest,none,student,0.9,2.5,1,salary_account,Ecobank,0,12,0.0,none,0,0,0,low_burden |
| South Africa,2018,rural,male,26,25-34,middle,primary,employed_formal,25.5,3.1,1,current,FNB,1,0,741.3,none,0,0,0,low_burden |
| Tanzania,2022,urban,female,71,55+,middle,tertiary,employed_informal,1.2,2.5,1,savings,CRDB,2,0,479.49,none,0,0,0,low_burden |
| Zambia,2020,urban,female,41,35-44,second,secondary,employed_formal,0.0,2.3,1,salary_account,Absa,1,0,632.16,none,0,1,1,low_burden |
| Ethiopia,2023,rural,female,37,35-44,fourth,secondary,employed_informal,46.7,0.4,1,savings,Commercial Bank of Ethiopia,0,20,0.0,none,0,0,0,low_burden |
| Ghana,2018,rural,male,59,55+,lowest,primary,employed_informal,1.6,19.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2022,rural,female,58,55+,second,primary,unemployed,18.7,6.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2025,urban,female,64,55+,lowest,secondary,employed_formal,1.1,1.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2018,urban,male,68,55+,lowest,none,unemployed,2.5,0.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2020,urban,female,67,55+,middle,tertiary,student,2.2,7.5,1,savings,NMB,2,0,298.18,none,0,0,0,low_burden |
| Uganda,2024,urban,female,27,25-34,lowest,tertiary,employed_informal,0.5,3.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2022,rural,female,27,25-34,lowest,primary,self_employed,19.0,5.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2019,rural,male,29,25-34,fourth,tertiary,self_employed,2.7,10.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2019,rural,female,53,45-54,lowest,secondary,employed_informal,0.2,11.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2024,urban,female,51,45-54,middle,secondary,unemployed,1.8,0.7,1,savings,Stanbic,2,0,801.88,none,0,0,0,low_burden |
| Uganda,2024,urban,female,66,55+,second,none,self_employed,1.7,0.7,1,savings,Stanbic,2,0,669.54,none,0,1,0,low_burden |
| Zambia,2020,rural,female,66,55+,highest,tertiary,employed_formal,9.9,1.2,1,savings,First National Bank,0,22,0.0,none,0,1,0,low_burden |
| Tanzania,2021,urban,male,64,55+,fourth,primary,unemployed,4.3,0.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2024,rural,female,22,18-24,lowest,secondary,employed_informal,20.9,4.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2019,urban,female,57,55+,highest,primary,employed_informal,0.2,1.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2019,urban,female,66,55+,second,primary,student,1.4,0.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2024,rural,male,73,55+,second,tertiary,employed_formal,5.5,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2019,urban,male,37,35-44,fourth,primary,employed_formal,9.9,1.5,1,current,National Bank,0,12,0.0,none,0,0,0,low_burden |
| Senegal,2024,rural,male,62,55+,fourth,none,employed_informal,12.6,8.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2021,urban,male,41,35-44,second,secondary,employed_informal,1.9,1.5,1,savings,BMCD,1,0,354.16,none,1,1,0,low_burden |
| Zambia,2025,urban,female,27,25-34,second,primary,self_employed,5.6,0.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2018,urban,male,37,35-44,lowest,tertiary,unemployed,2.2,0.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2025,urban,female,32,25-34,middle,tertiary,employed_informal,5.7,3.6,1,salary_account,Absa,1,0,2678.15,none,0,0,0,low_burden |
| Ghana,2019,rural,female,69,55+,highest,none,self_employed,5.5,0.4,1,savings,Ecobank,0,5,0.0,none,0,1,0,low_burden |
| Ghana,2018,urban,female,28,25-34,second,secondary,employed_formal,1.8,0.2,1,savings,Ecobank,3,0,496.6,none,1,0,1,low_burden |
| Tanzania,2023,rural,male,25,18-24,highest,tertiary,employed_informal,26.7,4.1,1,savings,Absa,4,0,6801.18,none,1,1,0,low_burden |
| Senegal,2022,rural,female,51,45-54,lowest,tertiary,student,11.3,18.8,1,savings,CBAO,0,2,0.0,none,0,1,0,low_burden |
| Ghana,2024,urban,female,50,45-54,fourth,secondary,unemployed,3.3,1.0,1,current,Ecobank,2,0,6198.66,none,0,0,0,low_burden |
| Mozambique,2018,urban,female,49,45-54,highest,secondary,unemployed,0.2,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2018,urban,male,26,25-34,fourth,secondary,employed_informal,0.3,0.0,1,salary_account,Zanaco,1,0,216.22,none,0,1,1,low_burden |
| DRC,2022,rural,female,46,45-54,lowest,primary,self_employed,35.6,2.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2025,rural,male,70,55+,second,secondary,unemployed,3.3,30.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2021,urban,female,23,18-24,lowest,primary,unemployed,0.4,1.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2024,rural,male,63,55+,middle,primary,unemployed,8.7,3.6,1,savings,GCB,1,0,1256.31,none,0,0,0,low_burden |
| Mali,2025,rural,male,25,18-24,highest,primary,self_employed,13.0,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2024,urban,female,31,25-34,second,tertiary,employed_formal,7.4,1.8,1,savings,CRDB,2,0,506.58,none,0,1,1,low_burden |
| Ghana,2022,urban,male,69,55+,lowest,primary,employed_formal,1.7,2.9,1,savings,Stanbic,1,0,223.48,none,0,0,0,low_burden |
| Mozambique,2023,rural,female,34,25-34,second,primary,employed_formal,1.6,1.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2022,urban,female,47,45-54,middle,none,employed_informal,0.9,0.6,1,current,Stanbic,1,0,294.69,none,0,1,0,low_burden |
| Kenya,2023,urban,male,39,35-44,middle,none,employed_formal,1.3,1.3,1,savings,Stanbic,0,21,0.0,none,0,0,0,low_burden |
| Zambia,2022,urban,male,53,45-54,lowest,tertiary,self_employed,3.7,5.6,1,savings,Absa,2,0,90.16,none,1,0,1,low_burden |
| Malawi,2022,rural,male,41,35-44,fourth,primary,self_employed,9.9,15.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2021,rural,female,43,35-44,lowest,primary,self_employed,43.6,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2023,urban,female,64,55+,middle,tertiary,self_employed,0.4,0.8,1,current,BAK,2,0,215.31,none,0,0,0,low_burden |
| Nigeria,2024,rural,male,49,45-54,second,none,employed_informal,1.8,4.5,1,current,First Bank,0,10,0.0,none,0,0,0,low_burden |
| Nigeria,2025,rural,female,50,45-54,lowest,primary,self_employed,13.4,25.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Rwanda,2022,urban,male,63,55+,middle,secondary,student,1.1,1.8,1,savings,I&M Bank,1,0,2960.89,none,0,1,1,low_burden |
| Kenya,2018,rural,female,42,35-44,fourth,secondary,self_employed,5.6,9.1,1,current,Stanbic,0,5,0.0,none,0,0,0,low_burden |
| Tanzania,2022,urban,female,64,55+,second,primary,unemployed,0.1,0.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2020,urban,male,59,55+,fourth,secondary,employed_informal,1.7,0.4,1,current,First Bank,1,0,1217.45,none,1,0,1,low_burden |
| Kenya,2018,rural,female,68,55+,middle,secondary,self_employed,30.5,8.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2018,rural,male,44,35-44,second,secondary,self_employed,0.0,0.9,1,savings,Moza Banco,0,20,0.0,none,0,0,0,low_burden |
| Uganda,2022,urban,female,49,45-54,highest,primary,unemployed,0.1,2.3,1,current,Centenary,2,0,559.62,none,0,0,0,low_burden |
| Kenya,2025,rural,female,25,18-24,highest,secondary,unemployed,6.7,8.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2022,rural,female,24,18-24,lowest,secondary,self_employed,48.1,3.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2021,urban,female,24,18-24,highest,secondary,unemployed,0.6,4.7,1,savings,UBA,2,0,715.17,none,0,0,1,low_burden |
| DRC,2018,rural,female,54,45-54,fourth,tertiary,unemployed,24.2,46.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2023,rural,male,36,35-44,lowest,tertiary,unemployed,0.0,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2018,urban,female,34,25-34,middle,secondary,employed_formal,0.3,0.1,1,savings,First Bank,2,0,98.94,none,0,0,0,low_burden |
| Uganda,2024,rural,male,52,45-54,lowest,primary,employed_formal,0.8,1.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2024,urban,female,40,35-44,middle,none,unemployed,0.8,1.2,1,savings,Ecobank,1,0,1296.54,none,0,0,0,low_burden |
| Rwanda,2025,urban,male,25,18-24,highest,secondary,unemployed,0.0,2.4,1,current,Equity Bank,2,0,1721.3,none,0,0,1,low_burden |
| Zambia,2020,rural,female,49,45-54,second,none,student,2.6,20.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2019,rural,female,49,45-54,middle,secondary,employed_informal,2.2,2.1,1,savings,Fidelity,3,0,751.41,none,1,1,0,low_burden |
| Uganda,2020,rural,male,25,18-24,lowest,secondary,unemployed,21.4,2.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2024,rural,female,33,25-34,middle,secondary,unemployed,11.5,16.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2019,rural,female,31,25-34,fourth,none,unemployed,12.5,25.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2025,urban,male,57,55+,lowest,tertiary,unemployed,0.4,0.3,1,current,Ecobank,1,0,184.3,none,0,0,1,low_burden |
| Niger,2019,rural,female,32,25-34,middle,secondary,employed_formal,19.5,3.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2018,rural,female,19,18-24,second,secondary,unemployed,13.5,1.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2019,rural,female,33,25-34,fourth,secondary,self_employed,19.8,2.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2024,rural,male,44,35-44,fourth,none,employed_informal,42.4,9.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2022,urban,female,61,55+,fourth,secondary,employed_informal,1.7,1.9,1,savings,Stanbic,1,0,1759.62,none,0,0,0,low_burden |
| DRC,2020,urban,male,20,18-24,second,none,unemployed,2.4,2.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2023,urban,female,68,55+,middle,secondary,employed_formal,1.4,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,urban,male,36,35-44,middle,none,employed_informal,1.9,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2022,rural,male,37,35-44,fourth,primary,self_employed,7.5,26.3,1,savings,National Bank,3,0,600.12,none,0,1,0,low_burden |
| Nigeria,2022,rural,male,18,18-24,middle,primary,student,30.5,10.2,1,salary_account,Access Bank,2,0,633.31,none,0,0,1,low_burden |
| Mozambique,2018,urban,male,33,25-34,highest,none,self_employed,1.8,1.6,1,savings,BCI,1,0,2066.99,none,0,1,0,low_burden |
| Mali,2020,urban,female,44,35-44,lowest,tertiary,employed_informal,0.7,0.2,1,current,BDM,2,0,72.7,none,0,0,1,low_burden |
| South Africa,2022,rural,female,53,45-54,lowest,secondary,employed_formal,7.7,1.1,1,current,FNB,1,0,103.15,none,0,1,0,low_burden |
| DRC,2019,urban,female,61,55+,highest,none,employed_informal,1.0,1.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2021,rural,female,47,45-54,lowest,none,employed_informal,15.8,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2018,urban,male,23,18-24,highest,secondary,unemployed,4.1,1.1,1,salary_account,Absa,0,12,0.0,none,1,0,0,low_burden |
| Ghana,2024,urban,male,40,35-44,middle,none,employed_informal,10.0,2.7,1,current,Absa,2,0,392.4,none,0,1,0,low_burden |
| Mozambique,2018,urban,female,59,55+,highest,primary,employed_formal,3.9,1.1,1,current,Moza Banco,2,0,2146.1,none,1,1,0,low_burden |
| Senegal,2018,rural,female,54,45-54,middle,none,unemployed,36.0,10.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2023,urban,female,51,45-54,fourth,secondary,employed_formal,3.0,0.8,1,fixed_deposit,NBS Bank,1,0,2503.25,none,0,0,1,low_burden |
| South Africa,2019,rural,male,46,45-54,fourth,tertiary,employed_formal,33.0,7.8,1,salary_account,Nedbank,0,17,0.0,none,0,1,0,low_burden |
| Rwanda,2020,urban,female,46,45-54,middle,none,self_employed,25.5,0.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2020,urban,male,74,55+,second,tertiary,employed_formal,3.0,0.8,1,salary_account,BCI,4,0,367.67,none,0,1,0,low_burden |
| South Africa,2019,rural,female,52,45-54,lowest,tertiary,employed_informal,9.5,9.7,1,savings,Nedbank,2,0,171.47,none,0,1,1,low_burden |
| Uganda,2024,urban,male,52,45-54,second,tertiary,student,0.4,0.8,1,current,Centenary,1,0,429.49,none,0,1,1,low_burden |
| Ethiopia,2023,urban,female,37,35-44,highest,secondary,unemployed,2.2,3.1,1,savings,Awash Bank,0,2,0.0,none,0,1,0,low_burden |
| Mali,2019,rural,male,45,35-44,second,tertiary,unemployed,3.6,16.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2023,rural,female,58,55+,fourth,secondary,self_employed,10.6,8.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2023,urban,male,66,55+,middle,tertiary,employed_formal,1.7,0.2,1,savings,Access Bank,2,0,440.96,none,0,0,0,low_burden |
| Tanzania,2022,urban,female,62,55+,second,none,unemployed,1.7,1.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2022,rural,male,55,45-54,highest,secondary,self_employed,3.6,7.0,1,current,Société Générale,0,23,0.0,none,0,1,0,low_burden |
| Mali,2025,rural,female,62,55+,lowest,secondary,employed_formal,10.2,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2021,rural,male,19,18-24,middle,none,employed_informal,22.9,7.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2021,rural,male,33,25-34,second,primary,self_employed,10.8,24.6,1,savings,Ecobank,1,0,329.13,none,0,0,0,low_burden |
| Tanzania,2022,rural,female,31,25-34,lowest,primary,employed_formal,20.1,1.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2024,urban,male,55,45-54,lowest,primary,employed_informal,2.3,4.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2023,urban,male,60,55+,fourth,primary,employed_informal,12.3,0.1,1,current,Zanaco,4,0,2772.03,none,0,0,1,low_burden |
| Malawi,2018,rural,female,26,25-34,lowest,primary,self_employed,11.7,1.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2021,rural,female,28,25-34,fourth,primary,employed_formal,31.3,16.3,1,savings,I&M Bank,2,0,689.63,none,0,1,0,low_burden |
| Tanzania,2023,rural,female,46,45-54,middle,secondary,self_employed,6.8,3.8,1,fixed_deposit,NMB,4,0,616.56,none,0,1,0,low_burden |
| DRC,2019,rural,male,73,55+,lowest,none,employed_informal,26.6,3.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2025,urban,female,18,18-24,second,primary,self_employed,0.7,2.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2024,rural,female,68,55+,lowest,primary,employed_informal,18.7,1.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2024,rural,male,29,25-34,fourth,primary,employed_informal,4.4,3.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2018,rural,female,33,25-34,middle,none,self_employed,25.6,6.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ethiopia,2022,rural,male,54,45-54,lowest,tertiary,self_employed,11.5,17.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2022,rural,female,59,55+,middle,primary,employed_formal,6.0,10.1,1,savings,Commercial Bank of Ethiopia,1,0,298.46,none,0,1,0,low_burden |
| Kenya,2023,urban,female,67,55+,middle,primary,self_employed,0.7,2.0,1,savings,Stanbic,0,8,0.0,none,0,1,0,low_burden |
| Niger,2024,rural,female,18,18-24,middle,secondary,unemployed,10.9,0.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2020,rural,female,20,18-24,lowest,tertiary,employed_informal,15.7,4.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2022,rural,male,45,35-44,lowest,primary,self_employed,0.8,10.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2023,urban,male,49,45-54,second,primary,self_employed,0.7,1.1,1,current,Ecobank,4,0,919.0,none,1,1,0,low_burden |
| DRC,2024,rural,female,32,25-34,fourth,secondary,unemployed,10.5,0.2,1,current,Equity BCDC,3,0,397.62,none,0,0,0,low_burden |
| Niger,2024,rural,female,54,45-54,middle,primary,self_employed,13.2,6.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Tanzania,2020,rural,female,33,25-34,second,primary,student,4.5,12.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mali,2025,urban,male,71,55+,lowest,tertiary,self_employed,0.9,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2018,rural,female,28,25-34,fourth,tertiary,self_employed,9.0,7.8,1,current,BCDC,2,0,778.29,none,0,1,0,low_burden |
| Tanzania,2021,rural,male,55,45-54,lowest,secondary,employed_informal,14.3,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2022,rural,male,48,45-54,middle,none,self_employed,10.2,2.9,1,current,Centenary,0,19,0.0,none,0,0,0,low_burden |
| Mozambique,2018,rural,female,23,18-24,second,secondary,employed_formal,0.8,2.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2021,urban,female,52,45-54,lowest,tertiary,employed_informal,1.3,4.0,1,fixed_deposit,Access Bank,2,0,403.67,none,0,1,0,low_burden |
| Senegal,2022,rural,female,26,25-34,middle,tertiary,employed_informal,29.9,5.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2022,rural,female,48,45-54,lowest,primary,self_employed,6.6,10.6,1,savings,GCB,0,8,0.0,none,1,0,0,low_burden |
| Uganda,2018,rural,male,54,45-54,middle,primary,unemployed,39.1,3.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2020,urban,female,22,18-24,lowest,none,student,11.0,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2019,rural,female,30,25-34,second,secondary,employed_informal,31.0,9.4,1,savings,Zenith Bank,3,0,167.64,none,0,1,0,low_burden |
| Niger,2023,urban,female,34,25-34,middle,primary,unemployed,1.0,0.1,1,savings,Orabank,2,0,1001.16,none,0,1,0,low_burden |
| Niger,2020,rural,male,70,55+,lowest,primary,unemployed,8.6,12.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2022,rural,male,30,25-34,middle,primary,unemployed,12.4,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2023,urban,male,70,55+,fourth,primary,unemployed,2.1,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2024,rural,male,48,45-54,highest,tertiary,employed_informal,1.8,0.6,1,savings,Coris Bank,0,5,0.0,none,0,1,0,low_burden |
| Zambia,2019,rural,male,72,55+,lowest,primary,unemployed,6.6,5.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2025,rural,female,65,55+,lowest,primary,self_employed,15.8,25.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| South Africa,2019,urban,female,34,25-34,second,secondary,unemployed,0.9,1.1,1,current,Nedbank,0,10,0.0,none,0,0,0,low_burden |
| Ghana,2018,rural,male,49,45-54,highest,secondary,employed_informal,7.9,6.3,1,savings,Ecobank,0,2,0.0,none,0,0,0,low_burden |
| Kenya,2018,urban,female,58,55+,second,secondary,employed_informal,4.9,1.4,1,savings,Cooperative Bank,2,0,65.06,none,0,1,0,low_burden |
| Mozambique,2019,rural,female,22,18-24,second,secondary,employed_informal,6.3,5.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2024,rural,female,55,45-54,fourth,none,self_employed,33.7,5.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2019,urban,female,44,35-44,lowest,none,employed_informal,7.3,3.7,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2023,rural,female,20,18-24,middle,none,unemployed,8.6,4.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2021,rural,male,67,55+,second,secondary,employed_formal,2.4,0.3,1,savings,Société Générale,0,13,0.0,none,0,1,0,low_burden |
| Senegal,2018,rural,male,33,25-34,middle,tertiary,employed_formal,2.9,8.0,1,current,Ecobank,1,0,208.73,none,0,0,0,low_burden |
| Ethiopia,2021,urban,female,67,55+,fourth,primary,employed_informal,5.8,3.2,1,salary_account,Awash Bank,1,0,764.53,none,0,0,1,low_burden |
| Uganda,2018,urban,female,29,25-34,second,secondary,employed_informal,0.2,2.1,1,current,Equity Bank,1,0,2303.81,none,0,1,0,low_burden |
| Senegal,2021,rural,female,48,45-54,middle,secondary,employed_informal,16.9,2.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2022,urban,female,39,35-44,middle,tertiary,unemployed,10.1,1.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2022,rural,male,68,55+,lowest,primary,student,17.7,1.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mozambique,2020,urban,male,72,55+,highest,none,employed_informal,0.3,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2024,urban,female,61,55+,fourth,secondary,employed_informal,0.7,0.6,1,savings,FDH Bank,2,0,926.1,none,1,1,1,low_burden |
| Senegal,2022,rural,male,66,55+,highest,secondary,unemployed,2.7,2.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2020,urban,female,61,55+,fourth,secondary,employed_informal,1.0,0.6,1,savings,Access Bank,0,12,0.0,none,1,1,0,low_burden |
| Rwanda,2021,rural,female,34,25-34,lowest,tertiary,unemployed,22.8,1.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2018,urban,female,70,55+,second,primary,self_employed,1.5,0.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2025,rural,male,48,45-54,second,secondary,unemployed,2.2,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2024,urban,female,37,35-44,lowest,primary,employed_formal,0.6,0.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2020,rural,male,28,25-34,second,primary,student,1.0,3.0,1,savings,NCBA,0,2,0.0,none,0,1,0,low_burden |
| Malawi,2023,rural,female,58,55+,second,primary,student,13.0,11.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2023,urban,male,33,25-34,lowest,none,employed_formal,1.6,1.0,1,savings,Société Générale,1,0,210.19,none,0,1,0,low_burden |
| Uganda,2022,rural,female,55,45-54,fourth,none,self_employed,3.2,1.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2018,urban,female,21,18-24,lowest,secondary,employed_informal,6.9,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2025,rural,male,54,45-54,middle,tertiary,employed_informal,24.5,2.6,1,current,Dashen Bank,4,0,1252.36,none,0,1,0,low_burden |
| Rwanda,2025,urban,female,54,45-54,fourth,primary,student,3.3,1.5,1,salary_account,Ecobank,1,0,345.68,none,0,1,1,low_burden |
| South Africa,2025,rural,male,47,45-54,middle,primary,employed_informal,67.2,7.3,1,savings,Nedbank,1,0,44.17,none,0,0,0,low_burden |
| DRC,2025,urban,male,55,45-54,lowest,none,employed_informal,6.0,2.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2025,rural,female,74,55+,middle,primary,employed_formal,2.1,4.3,1,savings,Access Bank,1,0,2001.57,none,0,1,0,low_burden |
| Kenya,2023,rural,female,65,55+,fourth,primary,self_employed,13.1,20.7,1,savings,Stanbic,0,11,0.0,none,0,1,1,low_burden |
| Kenya,2018,rural,male,43,35-44,highest,secondary,unemployed,56.9,5.7,1,current,Stanbic,2,0,2692.79,none,0,0,0,low_burden |
| Senegal,2021,urban,female,67,55+,second,tertiary,self_employed,0.5,0.9,1,salary_account,CBAO,1,0,234.72,none,0,1,0,low_burden |
| Nigeria,2019,urban,female,72,55+,lowest,secondary,self_employed,8.2,0.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2019,urban,female,27,25-34,middle,secondary,employed_formal,4.1,2.4,1,savings,Stanbic,4,0,523.48,none,0,1,0,low_burden |
| DRC,2024,rural,male,38,35-44,lowest,secondary,unemployed,2.6,10.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2024,rural,male,60,55+,fourth,none,employed_informal,9.3,13.7,1,savings,BCI,2,0,1912.79,none,0,1,0,low_burden |
| DRC,2022,urban,female,47,45-54,fourth,primary,self_employed,0.6,6.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2023,rural,male,25,18-24,fourth,none,self_employed,108.9,1.5,1,savings,Ecobank,2,0,743.37,none,0,0,0,low_burden |
| Rwanda,2019,urban,male,44,35-44,highest,primary,student,2.4,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2019,urban,female,39,35-44,middle,tertiary,unemployed,2.2,4.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2024,rural,male,60,55+,highest,primary,unemployed,5.1,10.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2021,urban,female,47,45-54,middle,primary,self_employed,0.4,3.1,1,current,BHS,1,0,561.45,none,0,0,1,low_burden |
| Zambia,2022,urban,male,25,18-24,lowest,primary,employed_formal,0.8,0.6,1,savings,Zanaco,0,14,0.0,none,0,0,1,low_burden |
| Ethiopia,2021,rural,female,20,18-24,fourth,primary,self_employed,7.7,6.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2019,urban,female,34,25-34,fourth,tertiary,self_employed,0.6,0.0,1,savings,Coris Bank,0,14,0.0,none,0,1,1,low_burden |
| Niger,2024,rural,female,26,25-34,highest,primary,unemployed,28.6,9.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2024,rural,female,67,55+,lowest,secondary,self_employed,15.7,5.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2023,rural,female,33,25-34,second,none,employed_informal,14.6,22.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2020,rural,male,54,45-54,fourth,none,employed_informal,9.0,4.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2023,rural,female,25,18-24,lowest,primary,employed_formal,10.2,12.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2025,urban,female,43,35-44,middle,tertiary,unemployed,0.3,0.6,1,current,Stanbic,3,0,2547.52,none,1,0,0,low_burden |
| Mali,2023,rural,female,71,55+,middle,primary,student,2.8,17.6,1,savings,BDM,4,0,184.89,none,0,0,0,low_burden |
| Niger,2021,rural,male,54,45-54,lowest,secondary,self_employed,2.0,4.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2020,rural,male,34,25-34,lowest,none,self_employed,8.7,2.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2022,urban,female,60,55+,fourth,secondary,unemployed,0.4,2.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Malawi,2020,rural,female,46,45-54,lowest,secondary,employed_informal,23.3,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2022,rural,male,31,25-34,fourth,secondary,employed_informal,41.8,6.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2018,urban,male,74,55+,fourth,primary,employed_informal,0.5,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2019,rural,female,71,55+,middle,none,student,1.5,11.2,1,savings,Nedbank,0,2,0.0,none,1,1,0,low_burden |
| Kenya,2024,urban,male,50,45-54,second,tertiary,employed_formal,0.1,1.1,1,savings,NCBA,4,0,506.93,none,0,0,0,low_burden |
| Kenya,2021,urban,female,19,18-24,lowest,secondary,self_employed,0.4,0.2,1,savings,Cooperative Bank,2,0,69.2,none,1,0,0,low_burden |
| Mali,2021,rural,male,41,35-44,fourth,primary,employed_informal,2.2,20.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2022,rural,male,47,45-54,lowest,primary,self_employed,18.3,4.7,1,current,Dashen Bank,2,0,642.38,none,0,1,0,low_burden |
| Zambia,2021,urban,male,70,55+,second,none,employed_informal,2.9,1.6,1,savings,Stanbic,4,0,423.73,none,0,1,0,low_burden |
| Malawi,2024,urban,female,59,55+,highest,primary,student,5.1,0.4,1,current,FDH Bank,4,0,958.29,none,0,1,0,low_burden |
| Malawi,2019,urban,female,30,25-34,second,primary,employed_informal,0.3,0.7,1,savings,NBS Bank,2,0,100.9,none,0,0,0,low_burden |
| South Africa,2024,rural,male,47,45-54,second,none,student,7.6,18.7,1,savings,Absa,1,0,253.27,none,0,0,1,low_burden |
| Uganda,2019,rural,male,28,25-34,highest,primary,self_employed,16.2,10.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2020,rural,male,45,35-44,lowest,secondary,employed_informal,3.0,4.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2022,urban,male,48,45-54,lowest,tertiary,unemployed,5.2,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2025,rural,female,47,45-54,second,secondary,self_employed,0.2,3.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2019,rural,male,42,35-44,fourth,secondary,employed_formal,19.8,0.1,1,savings,Awash Bank,2,0,956.34,none,0,0,0,low_burden |
| Nigeria,2022,rural,female,42,35-44,highest,secondary,unemployed,16.6,18.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2018,urban,male,63,55+,fourth,primary,self_employed,5.0,1.5,1,current,Ecobank,0,17,0.0,none,0,0,0,low_burden |
| Zambia,2018,urban,male,46,45-54,highest,secondary,self_employed,2.9,1.6,1,savings,Absa,1,0,4193.76,none,0,1,0,low_burden |
| Nigeria,2024,rural,male,20,18-24,lowest,none,unemployed,6.5,10.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2023,rural,male,60,55+,middle,none,self_employed,9.5,5.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| South Africa,2021,urban,male,53,45-54,lowest,secondary,employed_informal,6.5,0.5,1,current,Capitec,3,0,76.69,none,0,1,1,low_burden |
| Ghana,2022,rural,male,57,55+,highest,primary,employed_informal,2.7,1.2,1,savings,Absa,0,8,0.0,none,0,1,0,low_burden |
| Nigeria,2021,urban,male,58,55+,highest,secondary,employed_informal,2.1,2.3,1,fixed_deposit,First Bank,1,0,858.26,none,0,1,1,low_burden |
| Niger,2020,urban,female,27,25-34,second,secondary,self_employed,1.7,1.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2021,rural,male,73,55+,fourth,none,employed_informal,0.1,7.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2020,rural,male,74,55+,middle,primary,employed_formal,90.3,3.1,1,savings,Standard Bank,1,0,335.96,none,1,0,0,low_burden |
| DRC,2024,urban,male,26,25-34,lowest,secondary,unemployed,0.4,4.4,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| South Africa,2021,rural,female,30,25-34,middle,secondary,employed_informal,4.0,8.6,1,fixed_deposit,Capitec,2,0,268.93,none,0,1,0,low_burden |
| Mozambique,2020,rural,female,32,25-34,highest,secondary,employed_informal,2.9,5.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2022,urban,female,73,55+,second,primary,unemployed,1.4,1.2,1,savings,Absa,0,7,0.0,none,1,0,1,low_burden |
| Ghana,2024,rural,female,71,55+,lowest,secondary,unemployed,19.2,4.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ethiopia,2020,rural,female,33,25-34,highest,primary,unemployed,36.3,13.8,1,salary_account,Awash Bank,4,0,1099.89,none,0,1,0,low_burden |
| Zambia,2025,rural,male,53,45-54,second,none,employed_informal,68.3,5.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2021,rural,female,31,25-34,second,secondary,self_employed,6.4,0.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2023,rural,female,20,18-24,fourth,primary,student,7.6,8.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2025,urban,male,31,25-34,middle,none,employed_informal,6.7,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2021,urban,female,22,18-24,second,primary,employed_formal,1.5,1.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2019,rural,male,66,55+,lowest,secondary,employed_informal,31.1,14.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2023,rural,male,62,55+,fourth,tertiary,unemployed,18.8,5.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2018,urban,female,28,25-34,middle,tertiary,employed_informal,2.9,1.9,1,fixed_deposit,National Bank,2,0,234.74,none,0,0,0,low_burden |
| Zambia,2021,urban,male,50,45-54,fourth,primary,self_employed,1.1,1.8,1,savings,Stanbic,0,21,0.0,none,0,0,0,low_burden |
| Uganda,2025,rural,female,29,25-34,highest,primary,self_employed,12.1,10.9,1,current,KCB,1,0,2317.68,none,1,1,0,low_burden |
| Mali,2021,urban,female,50,45-54,lowest,secondary,student,2.3,0.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2023,urban,female,69,55+,highest,primary,employed_informal,3.2,0.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2022,rural,male,68,55+,fourth,primary,self_employed,12.5,1.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2019,rural,female,65,55+,highest,primary,student,19.0,3.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mali,2020,rural,female,31,25-34,lowest,secondary,employed_informal,10.6,0.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| South Africa,2022,rural,male,28,25-34,second,secondary,self_employed,16.3,6.3,1,savings,Nedbank,0,24,0.0,none,0,0,0,low_burden |
| Senegal,2018,urban,male,27,25-34,middle,primary,employed_formal,2.6,4.2,1,salary_account,BHS,0,3,0.0,none,0,0,0,low_burden |
| Malawi,2021,rural,female,25,18-24,highest,none,employed_informal,26.1,1.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2021,urban,female,52,45-54,highest,secondary,employed_formal,5.0,1.0,1,savings,DFCU,1,0,1128.06,none,0,0,0,low_burden |
| Mali,2024,urban,male,55,45-54,second,secondary,employed_informal,4.1,0.7,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mozambique,2018,rural,male,68,55+,middle,primary,employed_informal,8.7,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2024,rural,female,23,18-24,lowest,primary,unemployed,7.5,22.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2021,rural,male,33,25-34,fourth,tertiary,self_employed,4.9,12.0,1,savings,Rawbank,1,0,831.52,none,1,1,0,low_burden |
| DRC,2023,urban,male,59,55+,fourth,secondary,employed_informal,0.2,1.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2022,rural,female,56,55+,fourth,secondary,unemployed,37.2,2.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2020,rural,male,42,35-44,second,secondary,student,11.1,4.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2025,rural,male,26,25-34,highest,tertiary,employed_informal,6.0,4.4,1,savings,Equity Bank,1,0,2117.63,none,0,0,1,low_burden |
| Kenya,2019,rural,female,45,35-44,lowest,primary,employed_formal,34.8,1.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2018,urban,female,27,25-34,middle,primary,employed_formal,4.3,0.6,1,fixed_deposit,Fidelity,1,0,165.85,none,0,0,0,low_burden |
| Malawi,2024,rural,female,48,45-54,middle,primary,unemployed,1.8,18.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2022,rural,male,69,55+,middle,secondary,unemployed,11.3,2.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2025,rural,female,29,25-34,fourth,none,self_employed,12.2,9.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2021,rural,female,24,18-24,middle,primary,employed_formal,27.7,5.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2018,rural,female,60,55+,lowest,primary,self_employed,6.0,10.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2018,urban,female,19,18-24,lowest,secondary,self_employed,4.1,3.6,1,salary_account,Standard Bank,1,0,295.75,none,0,1,0,low_burden |
| South Africa,2021,urban,female,74,55+,middle,secondary,employed_informal,0.7,1.4,1,savings,Absa,4,0,591.21,none,0,0,1,low_burden |
| Ethiopia,2019,rural,female,62,55+,fourth,primary,employed_formal,7.8,17.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2025,rural,female,40,35-44,middle,primary,employed_informal,7.5,0.1,1,savings,BCDC,3,0,591.7,none,0,0,0,low_burden |
| Niger,2018,rural,male,38,35-44,second,secondary,unemployed,1.9,8.1,1,current,Orabank,0,12,0.0,none,0,1,0,low_burden |
| Mozambique,2025,urban,female,40,35-44,lowest,none,student,1.9,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2019,urban,female,40,35-44,fourth,secondary,employed_informal,3.5,4.2,1,savings,Standard Bank,2,0,740.97,none,0,1,0,low_burden |
| Rwanda,2018,rural,male,65,55+,middle,primary,student,0.3,3.3,1,salary_account,Ecobank,0,7,0.0,none,0,1,1,low_burden |
| Ethiopia,2020,rural,male,63,55+,middle,tertiary,self_employed,6.0,6.8,1,savings,Dashen Bank,2,0,403.0,none,0,0,0,low_burden |
| Rwanda,2019,urban,female,29,25-34,second,primary,self_employed,11.4,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2021,rural,male,28,25-34,second,secondary,unemployed,12.1,3.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2020,urban,female,48,45-54,second,none,self_employed,1.2,1.8,1,current,Awash Bank,3,0,349.9,none,1,0,0,low_burden |
| Rwanda,2022,rural,female,55,45-54,lowest,primary,employed_formal,14.3,2.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2022,urban,male,59,55+,fourth,secondary,employed_informal,0.6,4.7,1,savings,BHS,2,0,889.96,none,0,0,1,low_burden |
| Senegal,2018,urban,male,35,25-34,second,secondary,unemployed,0.0,0.1,1,salary_account,CBAO,2,0,130.38,none,0,0,0,low_burden |
| Ethiopia,2018,urban,female,45,35-44,second,secondary,self_employed,3.1,1.0,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Malawi,2019,rural,male,23,18-24,highest,secondary,employed_informal,2.8,16.5,1,current,National Bank,3,0,5853.81,none,0,0,0,low_burden |
| Kenya,2019,rural,female,43,35-44,second,secondary,self_employed,14.1,6.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2018,rural,male,57,55+,middle,tertiary,employed_informal,12.9,15.7,1,salary_account,Bank of Kigali,0,18,0.0,none,0,1,0,low_burden |
| Senegal,2020,rural,male,35,25-34,second,primary,employed_informal,33.0,1.8,1,savings,Société Générale,2,0,192.1,none,0,0,1,low_burden |
| South Africa,2022,urban,female,36,35-44,second,tertiary,unemployed,1.6,2.0,1,savings,Capitec,0,15,0.0,none,0,0,0,low_burden |
| Zambia,2020,urban,male,44,35-44,lowest,primary,employed_informal,6.5,1.1,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2020,rural,female,67,55+,highest,primary,employed_informal,30.3,14.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2021,urban,female,52,45-54,middle,secondary,employed_informal,6.8,0.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2022,rural,male,70,55+,fourth,none,student,4.9,0.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2020,rural,male,21,18-24,highest,none,employed_informal,2.2,14.2,1,savings,Commercial Bank of Ethiopia,0,10,0.0,none,0,1,0,low_burden |
| Ethiopia,2019,rural,female,66,55+,lowest,none,employed_informal,39.1,13.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2021,urban,female,20,18-24,fourth,secondary,employed_informal,0.9,0.9,1,current,Dashen Bank,2,0,869.55,none,0,1,0,low_burden |
| Ethiopia,2018,rural,female,36,35-44,lowest,secondary,employed_formal,15.6,7.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2021,urban,female,42,35-44,second,none,employed_formal,1.3,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2025,urban,male,31,25-34,fourth,none,employed_formal,5.7,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2021,rural,male,74,55+,lowest,primary,employed_formal,22.0,10.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2018,rural,female,68,55+,highest,primary,self_employed,37.3,1.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2023,rural,female,50,45-54,middle,none,employed_informal,4.4,4.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2019,urban,female,43,35-44,second,none,employed_informal,1.7,0.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2019,rural,male,61,55+,lowest,secondary,unemployed,6.6,4.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ethiopia,2019,rural,female,58,55+,middle,secondary,employed_formal,1.8,20.3,1,savings,Awash Bank,1,0,1270.0,none,0,0,0,low_burden |
| Kenya,2025,rural,female,45,35-44,middle,primary,employed_informal,3.7,9.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2025,rural,male,65,55+,lowest,primary,student,16.9,4.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2022,urban,female,28,25-34,middle,none,self_employed,2.7,1.4,1,savings,Ecobank,0,18,0.0,none,0,1,1,low_burden |
| Ghana,2022,rural,female,33,25-34,lowest,primary,self_employed,5.8,34.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2023,rural,male,19,18-24,highest,primary,self_employed,9.4,1.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2022,rural,male,24,18-24,second,tertiary,student,2.8,7.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2022,rural,male,29,25-34,middle,secondary,employed_formal,29.0,21.8,1,current,First National Bank,0,17,0.0,none,0,0,0,low_burden |
| Mali,2025,rural,female,53,45-54,fourth,primary,employed_formal,26.8,12.7,1,savings,Coris Bank,4,0,627.15,none,1,1,0,low_burden |
| Senegal,2023,rural,male,66,55+,fourth,none,unemployed,2.9,13.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2018,rural,male,51,45-54,highest,secondary,employed_formal,20.4,8.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2021,urban,male,43,35-44,highest,tertiary,self_employed,3.5,0.4,1,current,Commercial Bank of Ethiopia,0,23,0.0,none,0,0,0,low_burden |
| Tanzania,2025,urban,male,33,25-34,lowest,none,employed_formal,0.1,1.4,1,fixed_deposit,Absa,1,0,222.34,none,0,1,0,low_burden |
| Zambia,2021,rural,male,23,18-24,second,secondary,employed_informal,12.5,1.7,1,savings,First National Bank,1,0,58.07,none,0,0,0,low_burden |
| Ghana,2019,rural,female,51,45-54,fourth,primary,self_employed,14.0,1.2,1,current,Absa,4,0,168.88,none,0,1,0,low_burden |
| South Africa,2024,rural,male,26,25-34,lowest,secondary,self_employed,7.4,11.7,1,savings,Standard Bank,0,24,0.0,none,0,1,1,low_burden |
| Nigeria,2022,rural,male,63,55+,fourth,primary,self_employed,20.7,7.4,1,savings,GTBank,1,0,807.66,none,0,0,0,low_burden |
| Zambia,2022,rural,male,41,35-44,lowest,secondary,employed_informal,29.6,10.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2021,urban,male,37,35-44,highest,primary,employed_informal,3.8,1.5,1,fixed_deposit,Stanbic,1,0,1931.75,none,0,0,0,low_burden |
| Kenya,2018,urban,male,19,18-24,fourth,secondary,unemployed,5.3,2.4,1,savings,Cooperative Bank,2,0,1997.22,none,0,0,0,low_burden |
| Zambia,2021,rural,female,31,25-34,middle,secondary,employed_formal,2.6,4.1,1,salary_account,First National Bank,3,0,949.12,none,0,1,0,low_burden |
| Malawi,2021,rural,female,18,18-24,second,secondary,self_employed,2.6,20.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2025,rural,female,59,55+,highest,secondary,self_employed,52.8,15.9,1,savings,GCB,0,10,0.0,none,0,1,0,low_burden |
| Uganda,2020,rural,male,45,35-44,fourth,none,employed_informal,28.3,18.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2019,rural,female,62,55+,fourth,secondary,employed_informal,5.2,1.8,1,savings,NCBA,0,4,0.0,none,0,0,0,low_burden |
| Kenya,2021,rural,female,50,45-54,fourth,none,unemployed,2.1,22.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2025,rural,male,72,55+,lowest,secondary,employed_informal,8.5,9.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2021,urban,male,62,55+,lowest,none,employed_formal,5.2,2.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2021,rural,female,26,25-34,lowest,primary,student,14.6,42.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2023,rural,male,24,18-24,middle,primary,employed_formal,2.9,23.2,1,savings,Stanbic,1,0,139.91,none,0,0,0,low_burden |
| Rwanda,2023,urban,male,68,55+,middle,tertiary,unemployed,0.3,2.3,1,savings,Ecobank,1,0,1379.15,none,0,0,0,low_burden |
| Niger,2020,rural,female,33,25-34,second,secondary,employed_formal,17.2,14.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2025,rural,male,61,55+,highest,none,employed_informal,20.9,6.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mozambique,2022,rural,female,53,45-54,lowest,secondary,self_employed,30.1,2.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2018,rural,male,58,55+,fourth,primary,employed_formal,22.8,17.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2021,urban,male,33,25-34,middle,primary,unemployed,1.0,1.7,1,salary_account,Absa,3,0,192.9,none,1,1,0,low_burden |
| Ghana,2025,urban,male,35,25-34,second,primary,employed_informal,0.7,2.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Nigeria,2021,urban,male,49,45-54,lowest,secondary,self_employed,1.2,3.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2022,urban,female,19,18-24,fourth,tertiary,unemployed,6.4,0.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2022,rural,female,35,25-34,fourth,tertiary,self_employed,3.8,3.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2023,rural,female,46,45-54,second,none,self_employed,5.9,13.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2024,rural,female,29,25-34,middle,none,employed_informal,0.8,6.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2019,urban,male,34,25-34,middle,secondary,employed_formal,0.4,0.5,1,current,Moza Banco,1,0,997.08,none,0,0,1,low_burden |
| Mali,2022,urban,male,74,55+,second,primary,student,4.5,2.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2022,urban,male,34,25-34,middle,secondary,self_employed,0.0,0.8,1,current,Millennium BIM,3,0,348.36,none,0,0,0,low_burden |
| Uganda,2019,rural,female,69,55+,second,tertiary,self_employed,7.5,4.6,1,salary_account,Equity Bank,0,23,0.0,none,0,1,0,low_burden |
| South Africa,2023,urban,female,70,55+,highest,primary,self_employed,1.4,0.8,1,savings,Standard Bank,0,11,0.0,none,0,1,0,low_burden |
| Rwanda,2018,rural,male,56,55+,fourth,primary,employed_informal,14.3,0.1,1,savings,Bank of Kigali,2,0,7239.06,none,0,1,0,low_burden |
| South Africa,2021,rural,female,26,25-34,lowest,tertiary,employed_formal,4.5,8.8,1,current,Capitec,2,0,114.7,none,0,0,0,low_burden |
| Ethiopia,2020,rural,female,29,25-34,fourth,secondary,employed_informal,23.9,0.6,1,current,Dashen Bank,0,22,0.0,none,0,0,0,low_burden |
| South Africa,2019,urban,male,71,55+,second,tertiary,employed_informal,0.1,0.2,1,savings,Standard Bank,4,0,315.89,none,0,1,0,low_burden |
| Senegal,2024,urban,female,18,18-24,highest,secondary,employed_informal,1.0,2.7,1,current,CBAO,0,17,0.0,none,0,0,0,low_burden |
| Uganda,2019,rural,female,46,45-54,middle,primary,employed_formal,7.2,1.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2020,rural,female,51,45-54,lowest,secondary,self_employed,36.4,16.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2024,urban,male,65,55+,fourth,secondary,self_employed,9.0,0.7,1,savings,GTBank,3,0,935.66,none,0,0,1,low_burden |
| South Africa,2025,rural,male,69,55+,lowest,tertiary,employed_informal,23.5,1.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2018,rural,male,34,25-34,highest,primary,unemployed,63.8,3.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2020,rural,female,46,45-54,highest,secondary,self_employed,0.8,3.7,1,current,Stanbic,0,13,0.0,none,0,0,0,low_burden |
| Senegal,2023,urban,female,54,45-54,fourth,primary,employed_formal,1.8,0.9,1,fixed_deposit,Ecobank,0,21,0.0,none,0,0,0,low_burden |
| Malawi,2024,urban,female,73,55+,middle,primary,unemployed,4.7,1.9,1,savings,NBS Bank,3,0,411.82,none,0,1,0,low_burden |
| Uganda,2025,urban,male,49,45-54,middle,tertiary,self_employed,2.5,0.6,1,current,DFCU,0,19,0.0,none,0,0,1,low_burden |
| DRC,2022,urban,male,24,18-24,second,tertiary,self_employed,0.4,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2018,rural,female,70,55+,lowest,secondary,unemployed,5.0,8.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2024,rural,male,47,45-54,highest,tertiary,employed_formal,21.7,2.4,1,fixed_deposit,BDM,1,0,747.6,none,0,0,0,low_burden |
| Rwanda,2019,rural,female,28,25-34,second,primary,self_employed,4.3,1.7,1,savings,Ecobank,3,0,1954.5,none,0,0,0,low_burden |
| Malawi,2018,rural,female,28,25-34,second,secondary,employed_informal,0.6,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2023,urban,male,29,25-34,lowest,secondary,employed_formal,0.2,1.3,1,savings,Ecobank,0,16,0.0,none,0,1,1,low_burden |
| Zambia,2022,urban,male,59,55+,highest,secondary,self_employed,1.5,0.6,1,fixed_deposit,Zanaco,2,0,1018.49,none,0,0,0,low_burden |
| Nigeria,2018,rural,male,72,55+,highest,secondary,employed_informal,6.7,10.8,1,savings,Zenith Bank,1,0,989.71,none,0,1,0,low_burden |
| Uganda,2019,rural,male,43,35-44,second,secondary,employed_formal,12.2,25.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2022,rural,female,23,18-24,second,tertiary,self_employed,9.7,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,urban,male,68,55+,fourth,primary,employed_informal,10.3,0.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2023,urban,male,54,45-54,second,secondary,self_employed,2.3,3.8,1,savings,Zenith Bank,1,0,307.07,none,1,0,0,low_burden |
| Uganda,2021,urban,male,50,45-54,highest,primary,employed_formal,8.7,1.4,1,savings,DFCU,0,13,0.0,none,0,0,1,low_burden |
| DRC,2022,rural,male,21,18-24,highest,primary,employed_informal,22.1,4.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2021,rural,female,73,55+,fourth,secondary,self_employed,0.6,13.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2020,rural,female,22,18-24,lowest,secondary,self_employed,1.6,7.4,1,savings,BHS,1,0,214.69,none,0,1,0,low_burden |
| Zambia,2020,rural,female,52,45-54,fourth,tertiary,unemployed,11.6,11.5,1,savings,Zanaco,1,0,476.62,none,0,1,0,low_burden |
| Mali,2023,urban,female,52,45-54,highest,primary,student,4.5,2.5,1,fixed_deposit,Ecobank,1,0,3559.59,none,0,1,0,low_burden |
| Mali,2022,rural,male,47,45-54,second,none,employed_formal,11.0,6.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2022,urban,female,49,45-54,highest,secondary,employed_informal,3.5,5.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2022,rural,male,40,35-44,second,tertiary,unemployed,53.8,6.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2019,rural,female,50,45-54,highest,tertiary,self_employed,3.6,6.6,1,savings,Awash Bank,2,0,1875.8,none,0,0,0,low_burden |
| DRC,2025,rural,male,38,35-44,middle,tertiary,student,12.5,3.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2022,urban,male,44,35-44,lowest,primary,unemployed,1.6,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2023,rural,male,56,55+,middle,tertiary,unemployed,29.3,15.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2025,rural,female,60,55+,lowest,primary,employed_formal,0.4,0.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2025,urban,male,26,25-34,second,tertiary,employed_informal,1.5,5.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2023,urban,female,74,55+,highest,secondary,self_employed,1.4,0.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2024,rural,male,23,18-24,lowest,primary,self_employed,8.2,6.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2021,urban,female,33,25-34,highest,secondary,unemployed,1.2,0.1,1,savings,GCB,1,0,1686.96,none,0,0,0,low_burden |
| Rwanda,2023,urban,female,37,35-44,lowest,secondary,student,2.2,0.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2020,urban,male,36,35-44,middle,primary,employed_informal,2.0,0.7,1,salary_account,Nedbank,1,0,781.4,none,0,1,0,low_burden |
| Malawi,2023,urban,male,38,35-44,highest,none,employed_informal,2.1,0.7,1,savings,FDH Bank,3,0,841.96,none,0,0,0,low_burden |
| Uganda,2018,rural,male,36,35-44,middle,secondary,unemployed,1.6,9.4,1,savings,Centenary,1,0,313.12,none,0,0,0,low_burden |
| Ghana,2025,rural,female,42,35-44,highest,tertiary,unemployed,3.0,2.4,1,salary_account,GCB,4,0,1631.03,none,0,0,0,low_burden |
| Mozambique,2019,urban,female,61,55+,highest,secondary,unemployed,5.7,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2023,rural,male,65,55+,middle,none,self_employed,36.7,11.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2018,urban,male,37,35-44,fourth,secondary,student,0.1,0.5,1,savings,Equity Bank,2,0,1734.62,none,0,0,0,low_burden |
| Ethiopia,2019,urban,male,32,25-34,lowest,none,employed_informal,6.5,1.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2025,urban,male,56,55+,second,primary,employed_formal,1.0,0.2,1,savings,Absa,4,0,275.75,none,1,0,0,low_burden |
| Nigeria,2024,rural,female,21,18-24,second,none,employed_formal,6.2,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2019,rural,male,43,35-44,fourth,primary,self_employed,7.4,21.4,1,fixed_deposit,FBNBank,3,0,639.65,none,0,1,1,low_burden |
| Rwanda,2019,rural,male,30,25-34,fourth,primary,unemployed,14.8,13.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2024,urban,female,52,45-54,middle,none,self_employed,13.7,3.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Rwanda,2025,urban,female,22,18-24,highest,primary,self_employed,1.7,1.4,1,savings,Ecobank,1,0,307.32,none,0,1,0,low_burden |
| Malawi,2019,urban,female,65,55+,lowest,secondary,employed_informal,4.1,0.5,1,savings,NBS Bank,2,0,105.61,none,0,0,0,low_burden |
| Kenya,2023,rural,male,33,25-34,highest,primary,unemployed,2.2,16.6,1,fixed_deposit,Cooperative Bank,0,6,0.0,none,0,1,0,low_burden |
| Malawi,2020,urban,female,47,45-54,lowest,none,employed_informal,3.9,1.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2023,rural,female,50,45-54,second,secondary,self_employed,3.8,1.1,1,savings,First Bank,1,0,89.49,none,0,1,0,low_burden |
| Ghana,2021,rural,female,45,35-44,middle,secondary,employed_informal,10.7,2.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2019,rural,male,43,35-44,second,secondary,self_employed,12.8,14.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2020,rural,female,33,25-34,fourth,primary,self_employed,9.2,1.4,1,salary_account,Orabank,1,0,268.66,none,0,1,0,low_burden |
| Nigeria,2022,urban,female,62,55+,fourth,secondary,self_employed,0.9,2.0,1,savings,Zenith Bank,1,0,1104.58,none,0,0,0,low_burden |
| DRC,2024,rural,female,47,45-54,fourth,secondary,self_employed,14.8,0.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2018,urban,female,30,25-34,lowest,secondary,student,3.2,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2025,rural,female,32,25-34,lowest,secondary,student,4.6,5.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2023,rural,female,43,35-44,lowest,none,employed_informal,3.5,9.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2025,urban,female,66,55+,middle,primary,employed_formal,5.9,3.4,1,fixed_deposit,Commercial Bank of Ethiopia,0,6,0.0,none,0,0,0,low_burden |
| Senegal,2025,rural,male,72,55+,lowest,primary,employed_formal,1.1,2.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2019,urban,male,40,35-44,second,primary,employed_informal,0.1,0.7,1,savings,Absa,3,0,4768.05,none,0,0,1,low_burden |
| Niger,2018,urban,female,40,35-44,fourth,tertiary,employed_informal,2.1,1.3,1,savings,Sonibank,0,16,0.0,none,0,1,0,low_burden |
| Ghana,2024,rural,female,25,18-24,highest,primary,unemployed,32.1,6.4,1,current,Fidelity,2,0,1939.13,none,0,0,0,low_burden |
| Tanzania,2019,rural,female,49,45-54,fourth,secondary,student,21.2,4.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2019,rural,female,31,25-34,lowest,tertiary,employed_informal,21.3,12.4,1,savings,Ecobank,4,0,240.04,none,0,0,0,low_burden |
| Tanzania,2021,rural,female,64,55+,middle,secondary,unemployed,10.0,4.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2025,rural,female,48,45-54,lowest,primary,unemployed,14.8,3.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2024,urban,male,30,25-34,second,tertiary,employed_informal,3.6,0.8,1,savings,Stanbic,0,10,0.0,none,1,0,0,low_burden |
| South Africa,2022,urban,female,70,55+,second,primary,unemployed,1.3,1.8,1,current,FNB,1,0,182.4,none,0,1,0,low_burden |
| Uganda,2019,rural,male,64,55+,highest,none,student,44.1,19.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2020,urban,female,35,25-34,middle,primary,student,2.8,1.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2023,rural,female,24,18-24,second,primary,unemployed,2.3,2.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2019,urban,male,33,25-34,middle,secondary,employed_informal,0.8,1.5,1,fixed_deposit,Ecobank,2,0,216.13,none,0,0,0,low_burden |
| Tanzania,2022,urban,male,39,35-44,highest,primary,employed_informal,2.8,0.5,1,savings,Stanbic,4,0,8600.04,none,0,0,0,low_burden |
| Zambia,2018,rural,male,41,35-44,lowest,secondary,student,1.6,12.7,1,current,First National Bank,3,0,96.57,none,0,0,0,low_burden |
| Tanzania,2020,rural,female,64,55+,fourth,none,employed_informal,8.4,4.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2019,rural,male,73,55+,lowest,tertiary,self_employed,12.0,18.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2023,rural,male,60,55+,lowest,none,employed_informal,0.8,0.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2025,urban,female,66,55+,highest,tertiary,self_employed,1.9,0.5,1,savings,Stanbic,1,0,335.19,none,0,1,1,low_burden |
| Ethiopia,2019,rural,male,25,18-24,lowest,none,employed_formal,10.4,26.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2024,urban,female,26,25-34,fourth,tertiary,unemployed,5.0,1.7,1,current,CBAO,4,0,1003.3,none,0,0,1,low_burden |
| DRC,2023,rural,female,69,55+,lowest,secondary,self_employed,14.6,7.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2025,urban,male,52,45-54,middle,secondary,employed_informal,0.0,1.5,1,savings,National Bank,1,0,354.53,none,0,0,0,low_burden |
| Ethiopia,2025,rural,male,31,25-34,middle,none,employed_informal,47.9,0.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2018,urban,female,63,55+,highest,secondary,self_employed,1.8,3.2,1,current,DFCU,1,0,2673.89,none,0,1,1,low_burden |
| Ethiopia,2023,rural,female,27,25-34,fourth,secondary,unemployed,3.1,0.2,1,savings,Awash Bank,1,0,2889.12,none,0,0,1,low_burden |
| Uganda,2022,rural,male,61,55+,fourth,secondary,student,16.5,11.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2018,rural,female,68,55+,second,secondary,unemployed,2.5,4.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2020,urban,female,45,35-44,lowest,tertiary,self_employed,0.5,2.5,1,savings,Standard Bank,2,0,247.1,none,0,1,1,low_burden |
| Uganda,2025,rural,male,55,45-54,middle,tertiary,unemployed,19.9,25.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2022,urban,female,59,55+,middle,secondary,self_employed,0.5,0.8,1,savings,Stanbic,0,15,0.0,none,0,1,0,low_burden |
| DRC,2020,urban,female,68,55+,lowest,none,self_employed,0.9,1.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2020,urban,male,51,45-54,highest,none,self_employed,4.8,3.6,1,savings,Standard Bank,2,0,1990.5,none,0,1,0,low_burden |
| Nigeria,2024,urban,female,34,25-34,second,secondary,employed_informal,9.1,3.0,1,current,UBA,0,18,0.0,none,0,1,0,low_burden |
| Nigeria,2020,rural,male,29,25-34,lowest,tertiary,self_employed,55.1,0.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2019,urban,male,38,35-44,highest,primary,unemployed,1.6,0.1,1,savings,Dashen Bank,1,0,2813.83,none,0,1,1,low_burden |
| Senegal,2022,urban,male,21,18-24,middle,none,employed_informal,2.8,1.5,1,savings,Ecobank,4,0,4351.91,none,0,0,0,low_burden |
| South Africa,2025,rural,female,57,55+,fourth,primary,unemployed,4.1,7.1,1,savings,FNB,2,0,5102.12,none,0,1,0,low_burden |
| Ghana,2019,rural,female,39,35-44,lowest,primary,employed_informal,4.7,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2020,rural,female,58,55+,second,tertiary,self_employed,11.5,11.6,1,savings,GTBank,1,0,260.3,none,0,1,0,low_burden |
| Ghana,2021,rural,male,21,18-24,middle,secondary,unemployed,4.4,10.2,1,savings,Ecobank,2,0,1068.97,none,1,0,0,low_burden |
| Mozambique,2019,urban,female,36,35-44,second,none,employed_formal,1.8,0.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2023,rural,female,40,35-44,fourth,primary,employed_informal,3.0,8.8,1,salary_account,Equity Bank,1,0,3440.86,none,0,0,0,low_burden |
| Ethiopia,2020,urban,male,22,18-24,lowest,none,self_employed,3.8,0.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2019,urban,male,65,55+,lowest,secondary,employed_formal,0.4,2.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2020,urban,female,52,45-54,lowest,secondary,employed_informal,5.8,0.3,1,savings,Zenith Bank,0,2,0.0,none,1,0,0,low_burden |
| Mozambique,2025,rural,male,66,55+,second,none,unemployed,12.5,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2025,urban,female,63,55+,lowest,primary,employed_formal,1.4,1.1,1,savings,KCB,1,0,320.33,none,0,0,1,low_burden |
| Tanzania,2022,rural,female,19,18-24,fourth,tertiary,self_employed,49.0,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2021,urban,male,67,55+,middle,secondary,employed_formal,3.9,3.5,1,savings,Moza Banco,4,0,474.16,none,0,0,0,low_burden |
| Rwanda,2024,rural,female,21,18-24,lowest,secondary,employed_formal,26.6,2.3,1,current,Bank of Kigali,1,0,123.51,none,0,0,0,low_burden |
| Uganda,2019,rural,female,67,55+,middle,primary,employed_informal,9.8,25.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2023,urban,female,56,55+,lowest,tertiary,student,1.8,4.3,1,current,National Bank,0,3,0.0,none,0,0,0,low_burden |
| South Africa,2023,rural,female,64,55+,second,secondary,self_employed,12.7,16.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2023,rural,male,46,45-54,highest,tertiary,employed_informal,21.7,6.7,1,savings,National Bank,2,0,1796.34,none,0,0,1,low_burden |
| Zambia,2019,rural,female,27,25-34,fourth,none,employed_informal,28.0,9.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2023,urban,male,26,25-34,middle,primary,self_employed,0.0,3.8,1,savings,Stanbic,1,0,200.89,none,1,0,0,low_burden |
| Rwanda,2022,rural,male,24,18-24,second,none,self_employed,13.2,3.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2025,urban,male,63,55+,lowest,tertiary,employed_informal,2.1,0.3,1,salary_account,First Bank,1,0,376.48,none,0,1,0,low_burden |
| DRC,2019,urban,male,48,45-54,fourth,secondary,employed_informal,0.5,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2022,urban,male,30,25-34,middle,none,self_employed,1.5,0.2,1,savings,FNB,1,0,1521.34,none,0,1,0,low_burden |
| Nigeria,2024,rural,male,25,18-24,middle,tertiary,self_employed,15.3,2.4,1,current,Access Bank,4,0,363.96,none,0,1,0,low_burden |
| DRC,2020,urban,female,22,18-24,highest,tertiary,unemployed,1.6,1.3,1,savings,Rawbank,1,0,1157.69,none,0,1,1,low_burden |
| DRC,2023,rural,male,32,25-34,second,primary,self_employed,0.6,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2018,urban,male,60,55+,fourth,secondary,unemployed,2.5,1.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2023,rural,male,68,55+,middle,secondary,self_employed,3.1,1.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2022,urban,female,52,45-54,lowest,none,self_employed,0.3,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2019,rural,male,74,55+,lowest,secondary,self_employed,30.6,5.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2018,rural,female,40,35-44,middle,primary,employed_informal,11.7,4.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2023,urban,female,36,35-44,second,tertiary,student,1.7,0.4,1,fixed_deposit,Equity BCDC,0,15,0.0,none,0,1,1,low_burden |
| Mozambique,2019,urban,male,57,55+,fourth,secondary,employed_informal,1.2,2.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2021,rural,female,25,18-24,fourth,tertiary,self_employed,1.4,8.6,1,current,BAK,1,0,354.14,none,1,0,0,low_burden |
| Ethiopia,2018,rural,male,69,55+,second,secondary,self_employed,16.7,19.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Senegal,2025,rural,female,62,55+,middle,none,unemployed,9.6,23.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2022,urban,male,19,18-24,middle,primary,employed_formal,6.7,1.4,1,savings,Stanbic,1,0,726.44,none,0,0,0,low_burden |
| Mozambique,2025,rural,female,28,25-34,second,secondary,unemployed,6.8,7.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2019,urban,female,53,45-54,highest,primary,employed_formal,1.0,0.2,1,savings,Awash Bank,0,24,0.0,none,0,1,0,low_burden |
| Kenya,2019,urban,male,60,55+,lowest,secondary,employed_formal,1.2,2.7,1,savings,Cooperative Bank,2,0,182.35,none,0,0,0,low_burden |
| Mali,2022,rural,male,30,25-34,highest,primary,unemployed,1.7,3.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2022,rural,male,60,55+,lowest,none,employed_informal,25.0,2.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Rwanda,2024,rural,male,45,35-44,lowest,secondary,self_employed,0.4,5.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2025,rural,female,56,55+,fourth,secondary,self_employed,5.1,21.7,1,fixed_deposit,Stanbic,2,0,259.8,none,0,1,0,low_burden |
| Mali,2024,urban,female,42,35-44,lowest,secondary,student,2.0,0.1,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Rwanda,2019,rural,female,43,35-44,second,secondary,unemployed,6.9,13.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2020,urban,female,40,35-44,lowest,primary,employed_informal,0.9,6.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2025,urban,female,26,25-34,fourth,secondary,unemployed,4.3,0.3,1,savings,Equity BCDC,2,0,8489.11,none,1,0,0,low_burden |
| Ghana,2022,urban,female,28,25-34,middle,secondary,employed_informal,7.0,0.7,1,savings,Absa,1,0,120.54,none,0,1,0,low_burden |
| Ghana,2024,rural,male,27,25-34,lowest,secondary,self_employed,5.5,2.4,1,current,Ecobank,1,0,58.14,none,0,0,0,low_burden |
| Mozambique,2022,rural,male,63,55+,second,primary,unemployed,5.7,1.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2018,urban,male,42,35-44,lowest,secondary,unemployed,3.4,6.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2021,rural,male,39,35-44,highest,none,self_employed,13.8,16.0,1,current,FDH Bank,1,0,3520.03,none,0,1,0,low_burden |
| Tanzania,2024,rural,male,66,55+,lowest,secondary,unemployed,1.8,0.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,rural,male,68,55+,middle,primary,self_employed,7.0,23.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2019,rural,male,31,25-34,middle,tertiary,student,3.4,2.0,1,savings,BMCD,3,0,845.8,none,0,0,0,low_burden |
| Kenya,2019,urban,male,38,35-44,middle,secondary,employed_formal,2.6,0.5,1,savings,Stanbic,2,0,282.36,none,0,1,1,low_burden |
| Senegal,2024,rural,male,41,35-44,highest,secondary,employed_informal,30.1,1.4,1,savings,CBAO,1,0,890.36,none,0,0,0,low_burden |
| South Africa,2025,rural,male,65,55+,second,secondary,unemployed,9.1,5.5,1,savings,FNB,2,0,483.44,none,0,1,0,low_burden |
| Tanzania,2024,rural,male,56,55+,fourth,secondary,employed_informal,20.3,1.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2018,rural,female,49,45-54,second,none,self_employed,4.9,6.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2022,rural,female,31,25-34,middle,secondary,unemployed,26.5,7.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2024,urban,female,39,35-44,second,tertiary,self_employed,1.0,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2023,rural,male,19,18-24,lowest,none,employed_informal,10.3,1.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2022,urban,male,58,55+,lowest,primary,employed_informal,5.0,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2021,urban,male,70,55+,lowest,secondary,employed_informal,11.4,0.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2019,rural,male,62,55+,highest,primary,employed_informal,3.5,15.2,1,savings,Equity Bank,1,0,2246.45,none,1,0,1,low_burden |
| Malawi,2020,rural,male,35,25-34,fourth,secondary,employed_formal,24.9,11.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2023,rural,female,45,35-44,lowest,secondary,unemployed,21.0,9.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2018,rural,male,72,55+,middle,secondary,employed_informal,1.6,7.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2018,rural,male,42,35-44,fourth,none,unemployed,12.2,7.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2021,rural,female,65,55+,second,primary,student,6.0,11.1,1,salary_account,Zanaco,3,0,190.85,none,0,0,0,low_burden |
| Ethiopia,2024,rural,female,50,45-54,second,tertiary,employed_informal,0.9,1.7,1,salary_account,Commercial Bank of Ethiopia,2,0,742.26,none,1,0,0,low_burden |
| Nigeria,2023,urban,male,46,45-54,fourth,primary,student,1.0,0.6,1,fixed_deposit,Zenith Bank,0,13,0.0,none,0,0,0,low_burden |
| Mozambique,2022,rural,male,51,45-54,lowest,secondary,employed_informal,28.8,0.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2022,urban,female,30,25-34,middle,none,self_employed,2.5,6.0,1,savings,Equity Bank,0,17,0.0,none,0,1,0,low_burden |
| Tanzania,2018,urban,male,42,35-44,lowest,primary,student,0.9,1.6,1,savings,CRDB,0,7,0.0,none,0,1,1,low_burden |
| Malawi,2020,urban,female,35,25-34,lowest,primary,unemployed,0.9,0.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2018,rural,female,61,55+,fourth,primary,employed_informal,11.2,13.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2024,rural,male,52,45-54,fourth,secondary,employed_informal,5.3,13.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2024,rural,female,40,35-44,highest,secondary,employed_informal,1.7,14.1,1,savings,National Bank,0,6,0.0,none,0,0,0,low_burden |
| Tanzania,2020,rural,male,64,55+,lowest,tertiary,student,11.5,1.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Rwanda,2020,rural,male,43,35-44,fourth,tertiary,employed_informal,17.4,1.5,1,savings,Bank of Kigali,1,0,1302.57,none,0,0,0,low_burden |
| Rwanda,2020,urban,male,72,55+,highest,primary,self_employed,2.8,0.5,1,salary_account,Ecobank,0,6,0.0,none,0,0,0,low_burden |
| Senegal,2025,rural,female,52,45-54,middle,none,employed_informal,26.3,7.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2021,rural,male,68,55+,highest,tertiary,employed_informal,1.5,10.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2024,rural,male,74,55+,highest,primary,employed_informal,1.3,3.0,1,current,Stanbic,2,0,4835.76,none,1,1,0,low_burden |
| Rwanda,2021,urban,female,36,35-44,fourth,primary,employed_informal,2.0,3.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2023,urban,male,32,25-34,highest,none,self_employed,1.4,2.0,1,salary_account,Nedbank,1,0,1595.19,none,0,1,0,low_burden |
| Zambia,2022,rural,female,65,55+,middle,secondary,employed_informal,3.9,7.3,1,fixed_deposit,Zanaco,0,23,0.0,none,0,1,0,low_burden |
| Ethiopia,2020,urban,female,31,25-34,middle,primary,self_employed,0.4,3.0,1,savings,Dashen Bank,0,19,0.0,none,0,0,0,low_burden |
| Senegal,2025,urban,female,60,55+,highest,none,self_employed,6.6,0.7,1,savings,CBAO,0,9,0.0,none,0,0,0,low_burden |
| Nigeria,2023,rural,female,28,25-34,fourth,secondary,employed_informal,3.1,3.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2024,urban,female,67,55+,lowest,secondary,unemployed,1.8,1.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2025,urban,male,57,55+,second,primary,self_employed,2.2,0.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| South Africa,2019,rural,female,47,45-54,second,secondary,self_employed,2.9,25.9,1,fixed_deposit,Capitec,1,0,640.83,none,0,1,0,low_burden |
| DRC,2018,rural,female,43,35-44,highest,primary,employed_informal,2.3,3.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2022,rural,female,54,45-54,lowest,primary,employed_formal,18.4,1.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2020,urban,female,40,35-44,second,primary,unemployed,6.8,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2021,urban,female,40,35-44,middle,none,unemployed,3.5,6.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2019,rural,female,29,25-34,lowest,primary,employed_informal,16.7,8.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2021,rural,male,26,25-34,highest,tertiary,employed_informal,6.6,3.9,1,current,CRDB,2,0,1382.97,none,0,1,0,low_burden |
| Mozambique,2021,urban,female,68,55+,middle,none,employed_informal,0.9,2.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2020,rural,female,60,55+,lowest,tertiary,unemployed,19.4,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2023,rural,female,43,35-44,second,none,employed_informal,9.1,2.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2022,rural,male,65,55+,fourth,primary,student,36.0,17.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2021,urban,male,52,45-54,middle,secondary,employed_formal,0.6,1.6,1,fixed_deposit,Capitec,1,0,770.83,none,0,1,1,low_burden |
| Malawi,2018,urban,female,52,45-54,second,secondary,student,3.8,3.3,1,savings,Standard Bank,0,2,0.0,none,0,1,1,low_burden |
| Zambia,2022,urban,male,24,18-24,second,none,employed_formal,7.4,0.6,1,savings,Zanaco,4,0,446.24,none,0,0,1,low_burden |
| Mali,2019,urban,female,48,45-54,highest,none,employed_informal,0.1,4.1,1,savings,Ecobank,1,0,3271.77,none,0,1,0,low_burden |
| Rwanda,2020,rural,female,24,18-24,fourth,secondary,employed_informal,1.0,5.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2021,rural,male,56,55+,fourth,primary,employed_informal,11.1,6.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2019,rural,male,21,18-24,second,secondary,student,12.3,1.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2021,rural,female,47,45-54,highest,secondary,self_employed,2.1,12.7,1,savings,Awash Bank,1,0,2515.45,none,0,0,1,low_burden |
| South Africa,2020,urban,male,38,35-44,fourth,none,employed_formal,2.6,0.8,1,savings,FNB,1,0,181.91,none,0,1,0,low_burden |
| Niger,2024,urban,female,25,18-24,second,secondary,student,1.6,0.8,1,savings,Sonibank,0,21,0.0,none,0,0,0,low_burden |
| Ethiopia,2024,urban,male,44,35-44,highest,none,employed_informal,2.7,2.3,1,savings,Awash Bank,2,0,1005.64,none,0,1,0,low_burden |
| Mali,2018,urban,male,29,25-34,highest,tertiary,employed_formal,1.2,3.2,1,savings,BMCD,2,0,1774.27,none,0,0,1,low_burden |
| Mali,2022,rural,male,31,25-34,fourth,tertiary,employed_formal,2.4,12.4,1,savings,BDM,0,7,0.0,none,0,0,1,low_burden |
| Ethiopia,2023,rural,female,68,55+,fourth,secondary,self_employed,61.7,2.5,1,current,Dashen Bank,1,0,1197.16,none,1,1,0,low_burden |
| Malawi,2021,rural,female,37,35-44,second,tertiary,student,41.2,2.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mozambique,2021,rural,female,41,35-44,middle,secondary,employed_formal,22.8,0.3,1,savings,Millennium BIM,1,0,967.29,none,0,0,0,low_burden |
| Senegal,2024,urban,female,18,18-24,lowest,none,unemployed,2.3,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2021,urban,female,35,25-34,middle,none,employed_informal,1.5,2.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2018,urban,male,38,35-44,second,none,employed_informal,1.8,0.9,1,current,Sonibank,1,0,519.86,none,0,0,0,low_burden |
| Senegal,2020,urban,female,58,55+,second,primary,unemployed,0.6,1.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2020,rural,female,24,18-24,highest,secondary,unemployed,25.6,12.2,1,savings,Zanaco,4,0,944.69,none,1,1,1,low_burden |
| Niger,2021,rural,male,71,55+,lowest,primary,self_employed,14.5,9.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2019,urban,female,25,18-24,fourth,secondary,employed_informal,7.2,1.5,1,current,Standard Bank,1,0,1718.32,none,1,0,0,low_burden |
| Tanzania,2019,urban,male,55,45-54,second,primary,employed_formal,2.7,1.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2025,urban,male,18,18-24,lowest,none,unemployed,2.7,0.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2019,rural,female,64,55+,lowest,primary,self_employed,2.7,5.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2023,urban,female,57,55+,second,tertiary,employed_informal,8.4,3.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2023,urban,male,65,55+,second,primary,employed_informal,0.7,0.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2022,urban,female,71,55+,second,primary,unemployed,2.0,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2025,rural,male,65,55+,middle,none,employed_formal,26.4,6.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2018,rural,female,53,45-54,middle,tertiary,self_employed,1.7,19.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,rural,female,65,55+,lowest,primary,unemployed,1.7,24.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Malawi,2019,urban,male,23,18-24,second,secondary,employed_informal,5.7,2.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2022,urban,female,54,45-54,lowest,none,self_employed,2.7,0.0,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Uganda,2023,rural,female,74,55+,lowest,none,self_employed,1.9,25.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2025,urban,female,39,35-44,lowest,secondary,self_employed,0.1,1.8,1,savings,BCDC,3,0,96.29,none,0,0,0,low_burden |
| Uganda,2021,urban,male,73,55+,fourth,secondary,student,12.1,0.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2019,rural,male,46,45-54,fourth,secondary,self_employed,0.7,20.6,1,current,Absa,0,6,0.0,none,0,0,0,low_burden |
| Niger,2025,urban,female,44,35-44,highest,primary,employed_formal,0.8,0.1,1,current,Ecobank,2,0,4560.61,none,0,1,0,low_burden |
| Uganda,2023,urban,female,35,25-34,fourth,tertiary,employed_informal,6.3,2.8,1,savings,Stanbic,1,0,2388.89,none,0,0,0,low_burden |
| Rwanda,2024,rural,female,24,18-24,middle,secondary,self_employed,0.3,4.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2021,rural,female,67,55+,second,tertiary,employed_informal,0.3,6.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2021,urban,female,59,55+,lowest,none,unemployed,4.5,2.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2021,urban,male,40,35-44,middle,primary,employed_informal,6.4,1.5,1,current,Stanbic,4,0,495.98,none,0,0,1,low_burden |
| Kenya,2023,rural,female,72,55+,second,primary,employed_formal,10.7,1.3,1,savings,KCB,2,0,199.57,none,0,0,0,low_burden |
| Mozambique,2019,urban,female,28,25-34,second,secondary,employed_informal,1.4,2.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2025,urban,male,62,55+,highest,secondary,unemployed,3.1,1.7,1,savings,Absa,2,0,951.24,none,0,1,0,low_burden |
| DRC,2019,rural,male,43,35-44,lowest,primary,unemployed,7.8,8.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2021,rural,female,53,45-54,lowest,none,self_employed,9.6,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2020,rural,female,20,18-24,highest,none,employed_informal,35.4,23.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2023,urban,female,52,45-54,second,none,student,0.9,1.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2023,urban,male,56,55+,second,secondary,unemployed,2.7,1.0,1,savings,Capitec,0,17,0.0,none,0,1,1,low_burden |
| DRC,2025,rural,female,73,55+,lowest,primary,employed_informal,3.6,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2024,rural,male,37,35-44,second,none,unemployed,9.1,1.1,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ghana,2019,urban,male,22,18-24,highest,primary,student,3.7,1.7,1,current,Stanbic,1,0,691.88,none,0,1,0,low_burden |
| Mozambique,2019,rural,female,21,18-24,fourth,none,employed_informal,18.0,2.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2025,urban,female,26,25-34,middle,tertiary,employed_informal,0.9,0.0,1,current,BAK,2,0,239.01,none,0,1,0,low_burden |
| Nigeria,2021,rural,female,35,25-34,second,primary,self_employed,4.8,3.8,1,salary_account,GTBank,1,0,290.11,none,0,1,0,low_burden |
| Uganda,2018,rural,female,65,55+,second,tertiary,employed_informal,40.2,56.7,1,savings,KCB,2,0,214.23,none,0,1,0,low_burden |
| Mozambique,2024,rural,female,29,25-34,middle,secondary,unemployed,12.2,9.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2023,rural,male,26,25-34,second,secondary,self_employed,4.8,2.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2018,rural,male,19,18-24,lowest,primary,employed_informal,0.7,20.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Nigeria,2024,urban,female,39,35-44,fourth,secondary,employed_informal,1.3,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2022,urban,female,52,45-54,highest,secondary,self_employed,5.2,0.1,1,savings,CRDB,1,0,457.91,none,0,0,0,low_burden |
| Tanzania,2022,rural,male,34,25-34,highest,none,employed_formal,3.6,2.5,1,savings,NMB,2,0,1127.49,none,0,0,1,low_burden |
| Tanzania,2024,urban,male,46,45-54,fourth,tertiary,employed_informal,3.2,3.7,1,current,Stanbic,1,0,887.95,none,0,1,0,low_burden |
| Niger,2021,urban,male,31,25-34,middle,primary,employed_formal,10.3,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2021,urban,male,63,55+,fourth,primary,unemployed,3.8,0.2,1,savings,Standard Bank,2,0,628.49,none,0,1,0,low_burden |
| Mozambique,2022,rural,female,19,18-24,highest,primary,employed_formal,61.9,28.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2019,urban,male,29,25-34,lowest,secondary,employed_formal,0.2,0.4,1,savings,Ecobank,0,3,0.0,none,0,0,0,low_burden |
| Ghana,2019,rural,male,50,45-54,second,primary,unemployed,4.9,1.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| South Africa,2024,urban,female,66,55+,lowest,primary,employed_formal,6.2,1.2,1,salary_account,Standard Bank,1,0,89.9,none,0,1,1,low_burden |
| Senegal,2019,urban,female,40,35-44,highest,none,unemployed,3.5,2.1,1,savings,BHS,3,0,245.1,none,0,1,1,low_burden |
| Senegal,2022,rural,male,21,18-24,highest,primary,employed_informal,13.1,8.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2020,urban,male,49,45-54,fourth,none,unemployed,3.3,2.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2019,urban,male,33,25-34,second,tertiary,employed_informal,1.5,1.1,1,savings,BDM,0,6,0.0,none,1,0,0,low_burden |
| South Africa,2022,urban,male,35,25-34,highest,primary,employed_formal,1.8,0.1,1,savings,FNB,3,0,4150.4,none,0,0,1,low_burden |
| Senegal,2024,rural,male,70,55+,lowest,tertiary,employed_informal,1.8,2.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2021,urban,male,71,55+,lowest,secondary,student,1.4,0.6,1,savings,Ecobank,3,0,178.2,none,0,0,0,low_burden |
| Mali,2019,urban,male,32,25-34,middle,secondary,unemployed,1.3,3.2,1,savings,Coris Bank,0,13,0.0,none,0,0,1,low_burden |
| Ghana,2019,urban,male,51,45-54,fourth,tertiary,employed_informal,3.9,2.2,1,savings,Fidelity,0,3,0.0,none,0,0,0,low_burden |
| Tanzania,2019,urban,male,48,45-54,highest,primary,employed_informal,7.2,2.5,1,savings,Absa,2,0,2145.59,none,0,0,1,low_burden |
| Rwanda,2025,urban,female,72,55+,second,secondary,employed_informal,1.1,0.5,1,savings,I&M Bank,4,0,387.33,none,0,0,0,low_burden |
| Kenya,2020,rural,male,71,55+,second,none,employed_informal,73.8,6.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2020,urban,male,37,35-44,second,none,employed_informal,4.0,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2018,urban,female,19,18-24,lowest,primary,unemployed,1.4,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2021,rural,male,18,18-24,highest,secondary,employed_formal,5.5,14.5,1,savings,Capitec,1,0,2471.31,none,0,1,0,low_burden |
| Zambia,2025,rural,female,18,18-24,second,secondary,unemployed,23.4,2.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2021,urban,female,62,55+,lowest,primary,employed_formal,2.3,0.2,1,savings,Awash Bank,3,0,222.98,none,0,1,0,low_burden |
| Malawi,2023,urban,female,60,55+,second,secondary,unemployed,8.5,3.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2019,urban,male,65,55+,fourth,primary,employed_informal,1.1,4.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2019,rural,female,25,18-24,highest,none,employed_formal,16.1,21.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2023,urban,female,21,18-24,lowest,none,unemployed,3.3,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,urban,male,27,25-34,lowest,secondary,employed_informal,2.4,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2021,rural,male,53,45-54,highest,primary,unemployed,13.6,4.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2020,urban,male,18,18-24,middle,primary,unemployed,5.0,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2018,urban,female,55,45-54,second,none,student,2.5,2.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2022,urban,male,68,55+,lowest,secondary,unemployed,0.6,1.3,1,salary_account,Standard Bank,0,22,0.0,none,0,0,1,low_burden |
| Rwanda,2025,rural,male,26,25-34,highest,secondary,employed_informal,0.7,6.9,1,savings,Bank of Kigali,1,0,1796.32,none,1,1,0,low_burden |
| Ethiopia,2018,rural,female,60,55+,fourth,none,employed_informal,10.3,21.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2024,rural,female,49,45-54,lowest,secondary,unemployed,21.8,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2022,rural,male,71,55+,lowest,secondary,employed_informal,4.1,15.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2023,urban,male,31,25-34,lowest,primary,self_employed,10.6,0.5,1,savings,FNB,3,0,338.74,none,0,0,1,low_burden |
| DRC,2018,rural,male,30,25-34,lowest,none,employed_informal,18.2,16.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2024,rural,female,18,18-24,lowest,tertiary,self_employed,6.7,3.7,1,current,Equity BCDC,1,0,402.19,none,0,0,0,low_burden |
| Tanzania,2018,rural,male,58,55+,lowest,primary,employed_informal,3.8,16.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2025,rural,female,67,55+,lowest,primary,employed_formal,20.3,2.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2023,urban,male,19,18-24,second,tertiary,student,5.1,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2020,urban,male,46,45-54,middle,secondary,unemployed,0.4,0.0,1,fixed_deposit,Société Générale,2,0,1512.09,none,0,0,1,low_burden |
| Niger,2018,rural,male,59,55+,second,secondary,employed_informal,0.3,16.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2022,urban,male,62,55+,fourth,secondary,employed_formal,2.6,2.7,1,current,Zanaco,0,24,0.0,none,1,1,0,low_burden |
| Malawi,2018,rural,female,71,55+,second,none,unemployed,10.9,7.7,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Rwanda,2022,urban,female,59,55+,highest,secondary,employed_informal,6.5,0.8,1,savings,I&M Bank,1,0,853.27,none,0,1,1,low_burden |
| DRC,2024,urban,male,70,55+,highest,primary,self_employed,1.8,0.1,1,fixed_deposit,Rawbank,4,0,2026.68,none,0,1,0,low_burden |
| Ethiopia,2020,rural,female,74,55+,highest,tertiary,unemployed,3.0,0.1,1,current,Dashen Bank,0,20,0.0,none,0,1,0,low_burden |
| DRC,2019,rural,male,70,55+,lowest,primary,employed_informal,0.1,15.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2019,rural,female,42,35-44,lowest,none,employed_informal,12.8,5.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2019,urban,male,41,35-44,middle,primary,employed_formal,11.6,1.4,1,savings,FDH Bank,2,0,138.42,none,1,0,1,low_burden |
| Mozambique,2018,rural,female,42,35-44,lowest,secondary,employed_informal,4.2,11.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2019,rural,male,72,55+,lowest,secondary,self_employed,1.2,4.9,1,savings,Capitec,3,0,125.15,none,0,1,0,low_burden |
| Mozambique,2023,rural,female,34,25-34,lowest,secondary,employed_informal,6.4,6.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2020,rural,female,60,55+,middle,none,student,12.8,1.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2024,rural,female,53,45-54,fourth,none,unemployed,3.3,5.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2024,urban,female,21,18-24,second,secondary,employed_informal,0.6,2.2,1,savings,Capitec,2,0,286.3,none,0,0,1,low_burden |
| South Africa,2024,rural,male,45,35-44,highest,primary,self_employed,22.1,2.2,1,savings,Standard Bank,4,0,3002.9,none,0,1,0,low_burden |
| Kenya,2022,rural,female,29,25-34,fourth,secondary,employed_informal,1.0,2.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2020,rural,male,59,55+,lowest,tertiary,employed_informal,21.5,7.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2025,urban,female,43,35-44,second,secondary,self_employed,1.1,6.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2019,rural,male,38,35-44,lowest,primary,employed_formal,20.2,6.4,1,savings,BDM,4,0,167.4,none,0,0,0,low_burden |
| Ghana,2021,rural,male,21,18-24,highest,secondary,employed_informal,1.4,6.7,1,savings,Absa,0,14,0.0,none,0,1,0,low_burden |
| Mali,2021,rural,female,25,18-24,fourth,tertiary,employed_formal,10.2,7.9,1,salary_account,BDM,2,0,1412.13,none,1,0,0,low_burden |
| Uganda,2023,rural,male,61,55+,fourth,secondary,employed_informal,14.4,7.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2022,urban,female,67,55+,fourth,secondary,self_employed,6.1,0.4,1,fixed_deposit,Absa,1,0,625.49,none,0,0,1,low_burden |
| Rwanda,2024,urban,male,34,25-34,second,primary,student,5.8,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2025,rural,female,65,55+,highest,secondary,self_employed,35.0,5.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Niger,2021,urban,female,49,45-54,highest,none,student,0.1,1.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2024,rural,female,38,35-44,fourth,secondary,self_employed,14.8,1.6,1,savings,Stanbic,2,0,519.28,none,0,0,0,low_burden |
| Rwanda,2019,rural,male,43,35-44,second,tertiary,employed_informal,0.9,17.6,1,savings,Ecobank,2,0,176.42,none,0,1,0,low_burden |
| Rwanda,2025,rural,male,57,55+,lowest,tertiary,unemployed,9.5,10.4,1,current,Ecobank,0,14,0.0,none,0,1,0,low_burden |
| Rwanda,2019,urban,male,69,55+,lowest,none,employed_formal,2.9,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2024,rural,male,46,45-54,lowest,secondary,employed_formal,5.7,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2021,rural,female,37,35-44,middle,none,student,19.1,19.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2025,urban,male,61,55+,fourth,primary,self_employed,4.9,1.2,1,savings,Stanbic,2,0,1432.52,none,0,1,0,low_burden |
| Malawi,2019,rural,male,47,45-54,highest,secondary,student,4.8,18.2,1,fixed_deposit,FDH Bank,1,0,1226.47,none,0,0,0,low_burden |
| Senegal,2021,rural,male,40,35-44,lowest,primary,employed_formal,5.2,1.4,1,salary_account,CBAO,2,0,26.4,none,0,0,0,low_burden |
| Ethiopia,2025,rural,female,44,35-44,second,primary,unemployed,36.1,15.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2018,urban,male,48,45-54,lowest,secondary,employed_informal,0.5,0.2,1,savings,Standard Bank,1,0,305.88,none,0,0,0,low_burden |
| Tanzania,2020,urban,male,25,18-24,highest,secondary,employed_informal,0.8,0.1,1,savings,NBC,1,0,789.34,none,0,1,0,low_burden |
| Ghana,2018,rural,male,21,18-24,fourth,secondary,unemployed,31.1,5.8,1,salary_account,Ecobank,2,0,962.14,none,0,1,0,low_burden |
| Rwanda,2020,urban,male,55,45-54,middle,secondary,employed_informal,4.0,1.6,1,savings,Ecobank,1,0,202.62,none,0,1,1,low_burden |
| DRC,2021,urban,female,27,25-34,middle,secondary,self_employed,0.7,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2022,rural,male,48,45-54,middle,primary,unemployed,2.0,22.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2020,urban,female,62,55+,second,none,unemployed,24.9,3.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2019,rural,female,30,25-34,lowest,secondary,employed_formal,26.3,1.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,rural,female,39,35-44,second,secondary,employed_informal,6.6,8.6,1,savings,Access Bank,3,0,339.13,none,0,0,0,low_burden |
| Ethiopia,2025,rural,female,73,55+,lowest,primary,student,47.1,4.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2025,rural,female,20,18-24,middle,none,self_employed,27.6,5.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2019,rural,male,61,55+,second,tertiary,self_employed,10.4,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2019,urban,female,27,25-34,fourth,tertiary,employed_formal,1.0,0.5,1,current,Awash Bank,2,0,82.95,none,1,0,1,low_burden |
| Malawi,2018,urban,female,69,55+,middle,secondary,employed_formal,4.8,2.8,1,savings,National Bank,3,0,486.71,none,0,1,0,low_burden |
| Mali,2025,rural,female,41,35-44,middle,secondary,student,19.6,3.5,1,savings,BMCD,2,0,248.26,none,0,0,0,low_burden |
| Nigeria,2023,urban,female,18,18-24,highest,tertiary,self_employed,0.0,3.2,1,current,Access Bank,3,0,602.1,none,0,0,1,low_burden |
| DRC,2024,urban,male,58,55+,second,secondary,unemployed,2.4,0.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2020,urban,male,26,25-34,middle,primary,employed_informal,1.7,2.7,1,savings,Ecobank,0,7,0.0,none,0,0,1,low_burden |
| Nigeria,2023,rural,male,38,35-44,lowest,secondary,employed_informal,2.4,5.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Niger,2018,urban,male,46,45-54,fourth,tertiary,self_employed,1.2,0.6,1,savings,Ecobank,2,0,1519.22,none,0,0,0,low_burden |
| Mali,2023,rural,male,60,55+,middle,secondary,unemployed,18.4,3.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Rwanda,2022,urban,male,41,35-44,lowest,none,employed_informal,3.0,1.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2020,rural,female,66,55+,lowest,tertiary,employed_informal,37.0,2.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2023,urban,female,45,35-44,fourth,secondary,self_employed,14.2,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2023,urban,female,37,35-44,middle,primary,employed_formal,7.7,1.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2021,rural,female,37,35-44,middle,tertiary,employed_informal,16.7,11.5,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| South Africa,2019,rural,male,63,55+,second,secondary,self_employed,8.7,2.0,1,savings,Capitec,0,4,0.0,none,0,0,0,low_burden |
| Tanzania,2018,urban,male,55,45-54,middle,secondary,employed_formal,6.1,2.9,1,savings,Absa,1,0,454.71,none,0,0,1,low_burden |
| Nigeria,2025,rural,female,25,18-24,middle,tertiary,self_employed,0.2,3.5,1,current,UBA,3,0,411.3,none,0,0,0,low_burden |
| South Africa,2020,rural,female,60,55+,lowest,none,employed_formal,14.9,3.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2020,urban,female,41,35-44,middle,secondary,unemployed,4.3,0.9,1,salary_account,First Bank,2,0,280.1,none,0,1,0,low_burden |
| Kenya,2023,rural,female,37,35-44,middle,primary,unemployed,9.1,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,urban,female,23,18-24,fourth,tertiary,unemployed,1.8,3.9,1,salary_account,NBS Bank,2,0,1686.25,none,0,1,1,low_burden |
| Malawi,2021,rural,female,74,55+,second,tertiary,self_employed,24.2,6.2,1,savings,NBS Bank,2,0,236.71,none,0,0,0,low_burden |
| Rwanda,2023,urban,female,20,18-24,second,secondary,self_employed,1.0,2.8,1,salary_account,Bank of Kigali,0,4,0.0,none,0,1,0,low_burden |
| Mozambique,2022,rural,female,74,55+,highest,secondary,employed_informal,6.1,10.4,1,savings,Millennium BIM,4,0,5457.79,none,0,1,0,low_burden |
| Mozambique,2023,urban,male,21,18-24,highest,secondary,employed_informal,5.8,0.1,1,savings,Moza Banco,0,4,0.0,none,0,0,0,low_burden |
| Tanzania,2018,rural,male,46,45-54,lowest,primary,employed_formal,1.1,7.2,1,savings,Absa,0,1,0.0,none,0,1,1,low_burden |
| South Africa,2021,rural,male,23,18-24,highest,primary,unemployed,2.5,10.7,1,fixed_deposit,Absa,0,18,0.0,none,0,0,0,low_burden |
| Rwanda,2021,rural,female,46,45-54,lowest,none,employed_formal,1.0,19.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2023,rural,female,65,55+,highest,secondary,employed_informal,19.6,1.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2019,rural,male,51,45-54,lowest,secondary,self_employed,2.7,23.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,urban,male,48,45-54,second,secondary,self_employed,4.1,0.5,1,savings,First Bank,4,0,896.29,none,0,0,0,low_burden |
| Senegal,2024,urban,female,24,18-24,highest,primary,employed_informal,0.0,3.3,1,current,Société Générale,1,0,5191.87,none,1,1,0,low_burden |
| Mali,2023,urban,male,72,55+,lowest,secondary,self_employed,1.3,0.1,1,current,BDM,1,0,399.02,none,1,1,0,low_burden |
| Ghana,2024,rural,female,39,35-44,fourth,primary,self_employed,16.5,5.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2020,rural,male,48,45-54,middle,tertiary,student,7.9,13.9,1,savings,CRDB,1,0,307.84,none,0,1,0,low_burden |
| Zambia,2025,rural,male,69,55+,lowest,tertiary,self_employed,5.7,20.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2020,rural,male,53,45-54,highest,secondary,employed_informal,8.6,2.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2023,rural,male,59,55+,middle,secondary,unemployed,11.4,17.4,1,current,Ecobank,0,18,0.0,none,0,1,0,low_burden |
| Rwanda,2019,urban,male,28,25-34,highest,none,employed_formal,2.3,3.8,1,savings,Equity Bank,0,18,0.0,none,1,1,0,low_burden |
| Malawi,2025,urban,male,44,35-44,highest,none,employed_informal,0.7,0.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2020,rural,male,48,45-54,lowest,secondary,employed_formal,25.2,10.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2024,urban,male,28,25-34,second,secondary,self_employed,2.3,6.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2020,urban,female,39,35-44,second,none,self_employed,0.9,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2024,rural,male,65,55+,middle,primary,self_employed,0.7,7.6,1,savings,BHS,0,9,0.0,none,0,0,0,low_burden |
| Nigeria,2021,rural,male,71,55+,lowest,secondary,unemployed,12.2,28.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2018,rural,male,64,55+,second,none,self_employed,14.9,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2019,urban,female,71,55+,fourth,primary,employed_informal,0.8,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2023,rural,female,74,55+,lowest,primary,self_employed,1.6,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2019,urban,female,29,25-34,fourth,tertiary,unemployed,0.4,0.5,1,savings,BHS,1,0,859.69,none,0,0,0,low_burden |
| Ghana,2020,rural,female,66,55+,second,primary,self_employed,46.9,5.1,1,current,Ecobank,0,3,0.0,none,0,1,0,low_burden |
| Zambia,2022,urban,male,53,45-54,lowest,none,self_employed,0.0,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2020,rural,female,66,55+,lowest,none,self_employed,22.5,19.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2019,rural,male,54,45-54,lowest,none,self_employed,38.1,9.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2022,rural,female,25,18-24,middle,secondary,employed_informal,13.2,13.8,1,savings,BMCD,1,0,425.03,none,0,0,0,low_burden |
| Rwanda,2023,urban,male,50,45-54,lowest,primary,unemployed,0.6,1.7,1,fixed_deposit,I&M Bank,1,0,359.65,none,0,1,0,low_burden |
| Kenya,2023,rural,male,61,55+,fourth,primary,employed_informal,20.4,7.6,1,savings,NCBA,1,0,817.4,none,0,1,0,low_burden |
| South Africa,2025,urban,female,25,18-24,fourth,tertiary,employed_formal,0.5,0.7,1,current,FNB,3,0,678.59,none,0,0,1,low_burden |
| Kenya,2018,rural,female,46,45-54,lowest,secondary,unemployed,6.5,11.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2021,urban,female,55,45-54,highest,none,unemployed,3.5,5.0,1,savings,Absa,0,5,0.0,none,0,1,1,low_burden |
| Kenya,2019,urban,male,44,35-44,highest,primary,self_employed,7.1,1.6,1,savings,Stanbic,1,0,6254.34,none,0,0,1,low_burden |
| Zambia,2025,rural,male,63,55+,lowest,secondary,self_employed,1.8,16.6,1,savings,First National Bank,0,20,0.0,none,0,1,0,low_burden |
| Uganda,2022,rural,male,25,18-24,highest,secondary,student,8.5,27.9,1,savings,KCB,4,0,1277.51,none,0,0,0,low_burden |
| Uganda,2018,rural,male,37,35-44,second,tertiary,employed_informal,28.0,29.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2023,urban,male,72,55+,middle,none,employed_informal,1.4,2.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Niger,2018,rural,male,47,45-54,lowest,secondary,self_employed,13.1,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2020,urban,female,28,25-34,fourth,none,self_employed,0.4,0.3,1,savings,DFCU,3,0,500.22,none,0,0,0,low_burden |
| South Africa,2023,urban,male,24,18-24,fourth,primary,self_employed,3.9,3.0,1,savings,FNB,0,22,0.0,none,0,0,0,low_burden |
| Tanzania,2022,rural,female,51,45-54,highest,secondary,student,67.5,2.5,1,savings,Absa,0,2,0.0,none,0,0,0,low_burden |
| Tanzania,2024,urban,female,71,55+,highest,secondary,employed_informal,4.6,3.8,1,savings,NBC,0,17,0.0,none,0,1,1,low_burden |
| Tanzania,2022,rural,female,20,18-24,lowest,none,employed_formal,6.5,24.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2024,urban,male,24,18-24,middle,primary,employed_informal,3.8,1.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Nigeria,2022,urban,male,39,35-44,second,secondary,self_employed,1.6,0.7,1,savings,UBA,0,22,0.0,none,0,0,1,low_burden |
| Malawi,2018,rural,male,29,25-34,lowest,none,unemployed,12.8,7.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2018,urban,female,24,18-24,lowest,primary,student,4.2,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2024,rural,male,35,25-34,highest,primary,unemployed,25.7,13.5,1,salary_account,KCB,0,20,0.0,none,0,1,0,low_burden |
| Ethiopia,2018,rural,male,54,45-54,fourth,none,student,10.1,19.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2021,urban,female,65,55+,lowest,secondary,employed_informal,4.6,0.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mali,2018,rural,female,35,25-34,highest,none,employed_informal,1.3,2.4,1,savings,Ecobank,0,6,0.0,none,0,1,1,low_burden |
| Ethiopia,2020,urban,female,57,55+,fourth,secondary,employed_informal,3.5,2.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2022,urban,male,64,55+,second,secondary,unemployed,1.0,0.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2019,urban,female,18,18-24,middle,none,employed_informal,5.8,2.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2021,rural,male,66,55+,fourth,secondary,employed_informal,49.6,3.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2025,rural,male,28,25-34,fourth,primary,employed_informal,3.3,1.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2018,rural,female,57,55+,second,secondary,employed_informal,7.7,4.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2018,rural,female,60,55+,middle,secondary,self_employed,7.7,6.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2020,urban,female,66,55+,lowest,secondary,unemployed,5.9,1.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2024,rural,male,41,35-44,middle,primary,employed_formal,20.6,12.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2021,rural,male,55,45-54,second,secondary,self_employed,12.4,18.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2023,rural,female,19,18-24,second,secondary,employed_formal,6.7,5.7,1,savings,Stanbic,0,16,0.0,none,1,1,0,low_burden |
| Ghana,2018,rural,female,43,35-44,second,primary,employed_informal,4.0,17.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2023,rural,male,72,55+,middle,none,employed_informal,50.2,12.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2018,urban,male,27,25-34,second,none,self_employed,7.8,0.4,1,savings,Ecobank,0,20,0.0,none,1,0,1,low_burden |
| DRC,2023,rural,female,26,25-34,second,primary,self_employed,5.6,1.3,1,current,Rawbank,1,0,243.0,none,0,0,0,low_burden |
| Nigeria,2019,rural,female,57,55+,lowest,primary,self_employed,4.3,0.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2024,rural,male,47,45-54,highest,tertiary,unemployed,62.1,18.5,1,savings,Absa,1,0,3911.18,none,0,1,0,low_burden |
| Ghana,2020,urban,female,43,35-44,lowest,tertiary,employed_informal,4.6,3.7,1,savings,GCB,1,0,213.76,none,1,0,1,low_burden |
| Mozambique,2019,rural,female,32,25-34,second,none,unemployed,7.5,0.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Tanzania,2020,urban,male,27,25-34,lowest,tertiary,self_employed,8.8,2.2,1,salary_account,CRDB,3,0,265.44,none,1,1,1,low_burden |
| Nigeria,2018,rural,female,60,55+,fourth,secondary,employed_formal,6.8,7.4,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Senegal,2019,rural,female,38,35-44,second,primary,employed_informal,49.1,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2022,urban,female,62,55+,second,tertiary,employed_formal,8.5,0.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2020,rural,female,43,35-44,highest,secondary,employed_formal,11.3,3.0,1,salary_account,Moza Banco,1,0,2005.01,none,0,0,0,low_burden |
| Uganda,2020,urban,female,40,35-44,fourth,secondary,employed_informal,2.5,0.2,1,savings,Equity Bank,1,0,142.64,none,0,0,0,low_burden |
| Tanzania,2024,rural,female,31,25-34,middle,primary,employed_informal,8.1,5.5,1,current,NMB,3,0,212.63,none,0,1,0,low_burden |
| Nigeria,2018,rural,male,55,45-54,second,primary,student,0.4,6.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2021,urban,female,34,25-34,highest,tertiary,unemployed,0.8,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2019,rural,male,69,55+,highest,primary,self_employed,2.9,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2021,urban,male,41,35-44,fourth,none,unemployed,1.6,2.0,1,salary_account,NBC,1,0,659.57,none,0,0,1,low_burden |
| Uganda,2020,rural,female,64,55+,fourth,primary,student,1.5,21.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2018,rural,female,44,35-44,highest,primary,employed_informal,3.3,3.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2018,urban,female,41,35-44,highest,primary,self_employed,0.5,0.7,1,salary_account,Equity Bank,0,23,0.0,none,0,0,1,low_burden |
| Ghana,2024,rural,female,43,35-44,lowest,tertiary,self_employed,5.6,0.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2018,rural,female,43,35-44,highest,primary,student,1.4,16.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Uganda,2024,rural,male,45,35-44,fourth,tertiary,unemployed,25.6,19.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2025,rural,female,68,55+,middle,secondary,employed_formal,24.8,8.9,1,savings,FDH Bank,2,0,643.17,none,0,0,0,low_burden |
| DRC,2021,rural,female,58,55+,second,secondary,unemployed,33.0,16.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2020,rural,male,19,18-24,second,none,employed_informal,23.2,17.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2024,urban,female,21,18-24,fourth,primary,employed_informal,4.1,0.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2025,urban,female,19,18-24,middle,tertiary,self_employed,0.8,0.5,1,current,KCB,1,0,227.5,none,0,0,1,low_burden |
| Ethiopia,2018,rural,male,57,55+,lowest,secondary,unemployed,27.2,7.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Rwanda,2025,urban,female,29,25-34,middle,primary,employed_informal,0.8,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2025,rural,male,39,35-44,lowest,tertiary,employed_informal,21.2,20.4,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| DRC,2019,urban,male,65,55+,middle,secondary,unemployed,0.3,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2018,rural,male,25,18-24,middle,none,employed_informal,58.5,2.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2023,rural,male,26,25-34,middle,secondary,unemployed,29.6,2.0,1,savings,GTBank,1,0,221.96,none,1,1,0,low_burden |
| Kenya,2018,urban,male,22,18-24,lowest,secondary,self_employed,5.2,0.2,1,current,Stanbic,2,0,143.28,none,0,1,0,low_burden |
| Nigeria,2022,urban,female,34,25-34,lowest,secondary,self_employed,7.0,0.1,1,savings,Zenith Bank,2,0,531.46,none,0,0,0,low_burden |
| Kenya,2018,rural,male,23,18-24,second,none,employed_formal,12.2,6.9,1,current,Cooperative Bank,3,0,59.88,none,0,0,0,low_burden |
| DRC,2023,rural,female,53,45-54,middle,primary,student,14.2,22.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2019,rural,female,59,55+,highest,primary,student,4.7,12.7,1,salary_account,NBC,1,0,199.01,none,1,1,0,low_burden |
| DRC,2018,rural,male,28,25-34,fourth,primary,employed_informal,2.7,2.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2018,rural,male,47,45-54,fourth,none,self_employed,82.1,22.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2019,urban,female,35,25-34,second,secondary,unemployed,0.9,0.1,1,savings,BHS,0,17,0.0,none,0,1,0,low_burden |
| Malawi,2022,rural,female,22,18-24,lowest,secondary,employed_formal,1.5,8.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2018,urban,female,44,35-44,highest,none,self_employed,4.2,1.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2024,urban,male,57,55+,middle,secondary,unemployed,7.0,2.9,1,savings,KCB,1,0,2003.97,none,1,0,1,low_burden |
| Uganda,2022,rural,female,31,25-34,lowest,none,self_employed,11.7,2.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2020,rural,female,62,55+,middle,primary,student,2.0,1.6,1,current,FDH Bank,1,0,146.98,none,0,0,1,low_burden |
| Ethiopia,2025,rural,female,74,55+,fourth,secondary,employed_formal,21.7,0.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2023,rural,male,21,18-24,second,tertiary,student,4.3,1.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2023,rural,female,27,25-34,lowest,primary,student,3.6,2.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2019,urban,male,34,25-34,middle,tertiary,employed_informal,0.9,2.8,1,savings,Société Générale,2,0,361.53,none,0,0,0,low_burden |
| Ghana,2023,rural,female,66,55+,lowest,tertiary,self_employed,18.1,29.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2022,rural,female,26,25-34,second,secondary,self_employed,5.7,4.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2025,rural,female,44,35-44,fourth,tertiary,unemployed,5.6,2.0,1,current,Coris Bank,2,0,248.14,none,0,0,0,low_burden |
| Ghana,2021,rural,male,48,45-54,highest,primary,employed_informal,6.8,4.2,1,current,Absa,1,0,1303.17,none,0,0,0,low_burden |
| Zambia,2023,rural,female,25,18-24,second,none,employed_informal,12.3,9.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2020,rural,male,20,18-24,lowest,secondary,unemployed,6.4,11.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2018,rural,female,24,18-24,middle,primary,employed_informal,7.6,2.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2019,rural,female,21,18-24,second,primary,self_employed,4.3,0.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2024,rural,female,46,45-54,highest,none,self_employed,16.3,2.2,1,current,NBS Bank,4,0,1488.77,none,0,0,0,low_burden |
| Tanzania,2023,urban,male,71,55+,fourth,none,student,5.4,3.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2020,rural,female,38,35-44,second,none,employed_formal,0.6,18.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2023,urban,female,32,25-34,fourth,primary,student,2.8,1.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ghana,2018,rural,female,31,25-34,second,tertiary,self_employed,5.9,3.0,1,current,Absa,1,0,1215.78,none,0,1,0,low_burden |
| Rwanda,2018,rural,female,73,55+,middle,primary,student,15.5,3.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ghana,2022,rural,female,72,55+,highest,secondary,employed_formal,3.3,0.9,1,savings,Stanbic,4,0,2954.69,none,1,0,0,low_burden |
| Rwanda,2022,urban,female,54,45-54,lowest,none,self_employed,4.5,1.4,1,savings,Ecobank,0,9,0.0,none,0,0,0,low_burden |
| Mali,2025,rural,female,44,35-44,second,primary,unemployed,10.2,23.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| South Africa,2024,rural,male,27,25-34,highest,tertiary,unemployed,2.2,33.2,1,fixed_deposit,Absa,2,0,594.73,none,1,0,1,low_burden |
| Uganda,2020,urban,female,70,55+,second,primary,employed_formal,2.2,3.3,1,savings,Stanbic,2,0,72.84,none,1,0,0,low_burden |
| Mali,2024,rural,male,18,18-24,second,primary,self_employed,17.7,12.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Uganda,2021,urban,male,27,25-34,lowest,secondary,employed_formal,0.4,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2024,rural,female,56,55+,second,none,employed_informal,0.0,24.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,urban,male,28,25-34,middle,none,unemployed,1.7,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2018,rural,female,24,18-24,second,tertiary,student,19.4,2.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2018,rural,female,51,45-54,second,primary,self_employed,1.9,8.1,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2025,rural,male,19,18-24,second,secondary,employed_formal,30.7,13.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2018,urban,male,33,25-34,middle,none,employed_informal,6.3,0.9,1,current,FBNBank,2,0,745.72,none,0,0,0,low_burden |
| Kenya,2025,rural,male,54,45-54,highest,primary,employed_informal,3.5,32.1,1,savings,NCBA,2,0,1095.45,none,1,1,0,low_burden |
| Ethiopia,2023,rural,male,28,25-34,middle,primary,employed_formal,8.0,0.2,1,current,Commercial Bank of Ethiopia,2,0,280.37,none,0,0,1,low_burden |
| Niger,2019,urban,female,61,55+,middle,secondary,unemployed,4.2,1.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2024,urban,female,23,18-24,fourth,primary,employed_informal,0.3,1.5,1,savings,Nedbank,2,0,2126.93,none,0,1,0,low_burden |
| DRC,2019,urban,female,52,45-54,lowest,tertiary,employed_formal,4.1,0.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,rural,male,22,18-24,second,secondary,unemployed,5.7,36.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2022,urban,female,59,55+,lowest,secondary,employed_formal,0.8,1.9,1,current,Absa,3,0,45.13,none,0,0,1,low_burden |
| Rwanda,2020,rural,male,60,55+,second,primary,employed_informal,2.7,1.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Nigeria,2020,rural,female,63,55+,highest,secondary,self_employed,23.7,30.5,1,savings,Zenith Bank,0,17,0.0,none,1,0,1,low_burden |
| Malawi,2019,rural,female,34,25-34,second,secondary,employed_formal,8.8,0.8,1,savings,FDH Bank,1,0,250.02,none,0,1,0,low_burden |
| Mozambique,2022,rural,male,31,25-34,highest,none,self_employed,34.1,0.0,1,savings,Standard Bank,2,0,2749.65,none,0,1,0,low_burden |
| Ethiopia,2018,rural,female,73,55+,lowest,tertiary,self_employed,16.0,4.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,urban,female,59,55+,second,primary,self_employed,8.8,1.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2022,rural,male,28,25-34,second,tertiary,employed_informal,19.9,1.5,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| South Africa,2021,urban,female,19,18-24,lowest,tertiary,employed_informal,0.6,4.2,1,savings,Standard Bank,1,0,71.55,none,0,1,0,low_burden |
| South Africa,2023,urban,female,38,35-44,second,none,self_employed,0.2,4.2,1,salary_account,Absa,0,4,0.0,none,0,0,0,low_burden |
| South Africa,2019,rural,male,55,45-54,middle,primary,employed_formal,6.9,20.8,1,savings,Capitec,0,3,0.0,none,0,0,0,low_burden |
| Mozambique,2023,urban,male,39,35-44,middle,secondary,employed_formal,1.2,0.7,1,savings,BCI,1,0,1412.47,none,1,1,0,low_burden |
| Malawi,2024,urban,female,64,55+,fourth,secondary,employed_informal,2.3,1.3,1,savings,FDH Bank,2,0,366.97,none,1,1,1,low_burden |
| Nigeria,2021,rural,female,46,45-54,highest,secondary,employed_formal,1.6,12.2,1,savings,Zenith Bank,2,0,1569.13,none,0,1,1,low_burden |
| Rwanda,2020,urban,female,74,55+,middle,none,employed_formal,8.6,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2022,urban,female,67,55+,highest,secondary,student,1.2,0.7,1,savings,Stanbic,0,1,0.0,none,0,1,1,low_burden |
| Zambia,2022,rural,female,44,35-44,lowest,tertiary,self_employed,4.0,5.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2018,rural,male,65,55+,second,tertiary,self_employed,27.1,8.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2022,rural,male,43,35-44,second,none,employed_informal,9.2,1.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Tanzania,2019,urban,male,18,18-24,middle,tertiary,employed_formal,2.8,4.3,1,current,Absa,1,0,287.14,none,0,0,1,low_burden |
| Ghana,2022,rural,female,35,25-34,middle,none,unemployed,4.9,15.5,1,salary_account,Absa,0,14,0.0,none,0,0,0,low_burden |
| Mali,2025,rural,female,41,35-44,middle,secondary,unemployed,17.4,19.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2022,urban,female,73,55+,highest,primary,student,1.3,0.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2024,urban,male,65,55+,second,secondary,employed_formal,0.7,0.3,1,savings,Société Générale,4,0,37.43,none,0,1,0,low_burden |
| Mali,2020,urban,female,26,25-34,fourth,none,employed_formal,1.7,3.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Senegal,2025,rural,female,18,18-24,middle,primary,unemployed,2.6,17.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2024,urban,male,48,45-54,middle,primary,employed_informal,0.4,2.6,1,fixed_deposit,Commercial Bank of Ethiopia,2,0,357.14,none,0,0,0,low_burden |
| DRC,2025,rural,male,48,45-54,second,tertiary,employed_formal,25.5,7.1,1,salary_account,Rawbank,0,1,0.0,none,0,0,0,low_burden |
| Ethiopia,2023,rural,female,59,55+,second,secondary,employed_informal,8.2,10.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2023,urban,female,32,25-34,second,secondary,employed_formal,1.7,3.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2022,rural,female,64,55+,fourth,secondary,unemployed,8.3,21.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2025,urban,male,41,35-44,middle,primary,unemployed,4.1,1.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2024,urban,female,37,35-44,lowest,none,self_employed,3.3,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2021,rural,male,41,35-44,fourth,none,employed_informal,46.4,9.7,1,salary_account,Cooperative Bank,1,0,1553.75,none,1,0,0,low_burden |
| Mozambique,2018,rural,male,71,55+,middle,primary,unemployed,1.2,18.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2018,rural,female,40,35-44,highest,tertiary,self_employed,7.9,6.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2019,rural,male,49,45-54,middle,primary,unemployed,27.3,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2018,urban,female,68,55+,middle,secondary,self_employed,2.2,1.7,1,current,First National Bank,3,0,218.54,none,0,1,1,low_burden |
| Rwanda,2019,rural,male,19,18-24,middle,secondary,student,36.5,1.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2018,urban,male,48,45-54,fourth,tertiary,employed_informal,1.1,0.5,1,fixed_deposit,Ecobank,2,0,498.72,none,0,0,1,low_burden |
| Tanzania,2025,rural,male,58,55+,second,primary,self_employed,0.9,2.7,1,savings,Absa,1,0,221.73,none,0,1,0,low_burden |
| Malawi,2018,rural,female,69,55+,lowest,tertiary,unemployed,2.6,0.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ghana,2023,urban,male,21,18-24,highest,secondary,unemployed,0.1,0.2,1,current,Ecobank,2,0,2549.01,none,0,1,0,low_burden |
| Mali,2020,rural,male,59,55+,fourth,secondary,student,32.0,2.4,1,current,Coris Bank,1,0,618.2,none,0,1,0,low_burden |
| Uganda,2019,rural,male,63,55+,middle,secondary,employed_informal,24.4,18.7,1,savings,Equity Bank,3,0,509.35,none,0,0,0,low_burden |
| DRC,2023,rural,male,38,35-44,middle,primary,unemployed,10.6,11.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2025,urban,female,60,55+,fourth,secondary,employed_informal,8.7,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2024,urban,female,46,45-54,lowest,secondary,self_employed,4.4,0.1,1,savings,CBAO,3,0,189.35,none,0,0,1,low_burden |
| Nigeria,2025,urban,male,55,45-54,second,secondary,employed_informal,2.0,0.4,1,savings,UBA,0,4,0.0,none,0,0,1,low_burden |
| Ethiopia,2022,urban,female,40,35-44,lowest,tertiary,employed_informal,4.9,1.8,1,savings,Dashen Bank,2,0,121.01,none,0,1,0,low_burden |
| Mali,2023,rural,male,28,25-34,lowest,secondary,student,1.5,17.6,1,savings,Ecobank,3,0,710.74,none,0,0,0,low_burden |
| Tanzania,2019,urban,female,65,55+,lowest,none,unemployed,1.2,1.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2024,urban,male,30,25-34,fourth,primary,self_employed,0.8,0.7,1,current,Equity Bank,0,21,0.0,none,1,1,0,low_burden |
| Zambia,2023,rural,female,28,25-34,lowest,tertiary,employed_formal,14.4,14.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2020,urban,male,68,55+,fourth,secondary,employed_informal,0.4,0.6,1,current,Access Bank,3,0,362.99,none,0,0,1,low_burden |
| Tanzania,2020,rural,female,71,55+,highest,tertiary,employed_formal,10.5,0.6,1,current,Absa,1,0,2913.13,none,0,1,1,low_burden |
| Malawi,2022,rural,male,52,45-54,lowest,primary,employed_formal,30.0,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2018,urban,female,51,45-54,fourth,secondary,student,4.0,0.2,1,current,BHS,1,0,2287.58,none,0,1,0,low_burden |
| Rwanda,2024,rural,male,38,35-44,second,tertiary,self_employed,22.6,0.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2020,urban,female,52,45-54,highest,secondary,employed_formal,9.9,0.2,1,savings,Ecobank,4,0,1486.18,none,1,0,1,low_burden |
| DRC,2018,rural,female,52,45-54,middle,primary,unemployed,0.6,9.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Kenya,2020,rural,male,47,45-54,second,none,employed_formal,5.6,18.4,1,savings,Stanbic,2,0,351.88,none,0,1,0,low_burden |
| Ethiopia,2024,rural,male,55,45-54,second,tertiary,employed_informal,7.8,3.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2020,rural,male,49,45-54,highest,secondary,employed_informal,4.0,35.6,1,savings,KCB,1,0,2537.41,none,0,1,0,low_burden |
| Kenya,2022,rural,female,68,55+,lowest,primary,employed_informal,2.4,3.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2024,rural,female,56,55+,fourth,secondary,self_employed,21.1,5.5,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Senegal,2018,urban,female,39,35-44,lowest,primary,unemployed,0.6,0.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2024,urban,male,55,45-54,middle,primary,self_employed,3.3,1.1,1,salary_account,Moza Banco,1,0,371.52,none,1,0,0,low_burden |
| Mali,2020,rural,female,31,25-34,second,none,unemployed,1.2,2.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2023,rural,male,30,25-34,lowest,primary,student,0.1,16.9,1,fixed_deposit,I&M Bank,2,0,40.36,none,0,1,0,low_burden |
| Mali,2019,rural,male,65,55+,lowest,secondary,unemployed,2.8,0.5,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Nigeria,2019,rural,male,51,45-54,second,primary,student,15.9,7.6,1,current,GTBank,2,0,274.54,none,0,1,1,low_burden |
| DRC,2024,urban,male,21,18-24,fourth,secondary,student,2.8,3.3,1,savings,FBNBank,0,10,0.0,none,1,0,0,low_burden |
| Mozambique,2024,urban,female,38,35-44,fourth,primary,unemployed,5.5,1.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2025,rural,female,74,55+,lowest,none,employed_informal,32.1,7.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2023,urban,male,54,45-54,middle,primary,employed_informal,2.8,1.0,1,salary_account,First National Bank,2,0,1865.44,none,0,1,1,low_burden |
| DRC,2021,rural,male,67,55+,lowest,none,unemployed,10.7,5.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2019,rural,female,49,45-54,fourth,secondary,unemployed,2.4,4.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2020,rural,female,20,18-24,fourth,tertiary,unemployed,36.7,3.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2023,rural,male,28,25-34,highest,secondary,self_employed,16.6,32.7,1,savings,Nedbank,3,0,2616.74,none,0,0,0,low_burden |
| Zambia,2020,rural,male,23,18-24,highest,secondary,unemployed,56.0,10.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Kenya,2021,rural,female,59,55+,second,tertiary,unemployed,0.6,4.6,1,savings,Cooperative Bank,3,0,356.49,none,1,0,0,low_burden |
| Ethiopia,2019,urban,female,61,55+,second,secondary,self_employed,13.4,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2021,rural,female,44,35-44,highest,secondary,employed_formal,3.2,0.7,1,current,Fidelity,1,0,3039.98,none,0,0,0,low_burden |
| Zambia,2019,rural,male,59,55+,lowest,secondary,self_employed,11.3,8.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,urban,female,49,45-54,lowest,primary,employed_formal,2.6,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2019,rural,male,60,55+,second,none,employed_formal,21.1,11.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2022,rural,female,56,55+,fourth,secondary,self_employed,40.0,2.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2020,urban,male,43,35-44,fourth,secondary,employed_formal,10.7,2.2,1,savings,Absa,4,0,734.43,none,0,1,0,low_burden |
| Niger,2018,rural,male,55,45-54,highest,primary,student,16.5,10.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2022,rural,male,36,35-44,second,tertiary,self_employed,2.9,7.2,1,salary_account,NCBA,0,15,0.0,none,0,1,0,low_burden |
| Ghana,2019,rural,male,60,55+,second,none,unemployed,8.3,23.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mozambique,2018,urban,male,70,55+,second,secondary,employed_formal,4.3,0.5,1,fixed_deposit,Standard Bank,2,0,343.16,none,0,0,1,low_burden |
| Uganda,2019,rural,female,29,25-34,fourth,tertiary,unemployed,5.1,1.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2021,rural,female,56,55+,lowest,primary,self_employed,72.0,2.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2025,rural,female,24,18-24,highest,tertiary,self_employed,13.1,5.2,1,salary_account,Stanbic,1,0,1175.71,none,0,1,0,low_burden |
| Uganda,2019,urban,male,39,35-44,middle,secondary,self_employed,3.1,1.0,1,current,KCB,4,0,732.61,none,1,1,0,low_burden |
| Malawi,2020,urban,male,56,55+,fourth,secondary,self_employed,1.2,0.7,1,salary_account,NBS Bank,3,0,536.84,none,0,1,1,low_burden |
| Zambia,2019,rural,female,33,25-34,fourth,tertiary,self_employed,17.9,2.4,1,current,Stanbic,3,0,640.59,none,1,0,1,low_burden |
| Nigeria,2020,rural,male,31,25-34,middle,secondary,unemployed,33.8,5.0,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Uganda,2023,urban,male,39,35-44,fourth,primary,unemployed,1.1,1.6,1,savings,Centenary,1,0,1665.34,none,0,0,0,low_burden |
| Nigeria,2020,urban,female,24,18-24,second,secondary,employed_informal,0.4,1.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,rural,female,53,45-54,fourth,primary,student,11.3,9.9,1,current,Bank of Kigali,2,0,705.68,none,0,1,0,low_burden |
| DRC,2025,rural,male,25,18-24,fourth,primary,employed_informal,9.8,10.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2025,rural,female,36,35-44,middle,none,employed_informal,52.8,4.1,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Tanzania,2022,rural,female,35,25-34,lowest,primary,employed_informal,30.2,9.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2023,rural,male,73,55+,highest,secondary,employed_informal,31.5,7.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2025,rural,female,74,55+,highest,tertiary,employed_informal,14.1,4.1,1,salary_account,Dashen Bank,1,0,2609.23,none,0,1,1,low_burden |
| Ghana,2024,urban,male,22,18-24,middle,tertiary,unemployed,2.8,1.8,1,savings,GCB,1,0,839.63,none,0,0,0,low_burden |
| Kenya,2020,rural,male,26,25-34,highest,primary,self_employed,31.3,17.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2019,urban,female,59,55+,middle,secondary,student,13.1,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2018,rural,female,35,25-34,second,secondary,employed_formal,9.2,12.1,1,current,Commercial Bank of Ethiopia,3,0,315.21,none,0,1,0,low_burden |
| Ethiopia,2025,urban,male,54,45-54,second,none,self_employed,3.7,0.1,1,savings,Dashen Bank,2,0,253.41,none,0,1,1,low_burden |
| Ghana,2022,rural,male,70,55+,lowest,secondary,employed_formal,33.4,7.0,1,current,Absa,2,0,63.99,none,0,1,1,low_burden |
| Mozambique,2020,rural,female,27,25-34,middle,primary,self_employed,13.9,2.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2020,urban,male,72,55+,middle,tertiary,employed_informal,0.1,2.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2020,rural,female,20,18-24,lowest,primary,unemployed,10.9,1.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2024,urban,female,31,25-34,second,secondary,unemployed,5.6,2.1,1,current,Absa,0,11,0.0,none,0,1,0,low_burden |
| DRC,2022,rural,male,46,45-54,fourth,tertiary,employed_informal,5.4,14.8,1,savings,BCDC,1,0,342.92,none,0,1,0,low_burden |
| Mozambique,2025,rural,female,68,55+,fourth,secondary,employed_informal,7.3,13.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2020,urban,female,49,45-54,highest,primary,employed_informal,3.0,0.4,1,current,NCBA,0,2,0.0,none,1,0,0,low_burden |
| Mozambique,2021,rural,female,25,18-24,second,primary,employed_informal,44.7,14.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2018,rural,male,32,25-34,fourth,tertiary,self_employed,4.8,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2025,urban,male,61,55+,lowest,none,self_employed,7.6,0.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2022,rural,male,50,45-54,lowest,none,unemployed,0.1,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2022,rural,female,18,18-24,fourth,tertiary,student,16.9,9.7,1,savings,Equity Bank,0,15,0.0,none,0,1,0,low_burden |
| Kenya,2021,rural,female,46,45-54,second,secondary,employed_informal,23.1,9.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Uganda,2020,urban,female,41,35-44,fourth,secondary,student,2.1,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2025,rural,female,18,18-24,second,none,unemployed,6.8,5.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2021,urban,male,32,25-34,lowest,primary,employed_formal,9.8,0.7,1,savings,Equity Bank,4,0,299.43,none,0,1,1,low_burden |
| Malawi,2023,rural,male,71,55+,middle,secondary,unemployed,13.9,13.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2018,rural,female,58,55+,lowest,primary,self_employed,1.1,8.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2020,rural,female,22,18-24,second,primary,unemployed,31.7,4.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2024,urban,female,18,18-24,lowest,none,unemployed,2.3,2.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2018,urban,male,37,35-44,second,secondary,unemployed,0.9,1.4,1,current,Capitec,2,0,537.59,none,0,0,0,low_burden |
| Mali,2018,rural,male,44,35-44,fourth,primary,unemployed,7.0,25.7,1,savings,Ecobank,0,3,0.0,none,0,0,0,low_burden |
| Uganda,2024,urban,female,43,35-44,lowest,tertiary,unemployed,1.0,1.0,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| DRC,2020,rural,male,57,55+,middle,primary,employed_informal,12.5,5.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2020,rural,male,27,25-34,middle,none,student,23.3,2.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2022,rural,female,20,18-24,middle,tertiary,self_employed,21.9,4.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2019,urban,female,56,55+,middle,tertiary,unemployed,0.9,1.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2018,urban,female,69,55+,middle,secondary,unemployed,1.8,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2018,rural,female,27,25-34,highest,tertiary,employed_formal,23.1,33.6,1,fixed_deposit,NBS Bank,1,0,751.99,none,0,0,0,low_burden |
| Kenya,2018,rural,female,38,35-44,lowest,none,employed_informal,9.4,18.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2019,urban,male,53,45-54,fourth,primary,unemployed,3.5,1.6,1,salary_account,Ecobank,1,0,1131.99,none,0,1,0,low_burden |
| Malawi,2023,urban,female,27,25-34,lowest,primary,student,0.5,1.6,1,savings,National Bank,0,17,0.0,none,0,1,0,low_burden |
| Kenya,2020,urban,female,67,55+,middle,primary,unemployed,5.3,1.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2018,rural,male,30,25-34,middle,secondary,self_employed,11.6,9.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2018,urban,female,48,45-54,lowest,secondary,employed_informal,1.2,1.5,1,savings,Absa,3,0,218.7,none,0,0,1,low_burden |
| South Africa,2021,urban,female,37,35-44,lowest,none,self_employed,0.8,1.3,1,savings,Absa,0,17,0.0,none,0,0,0,low_burden |
| Uganda,2024,rural,male,56,55+,lowest,primary,employed_informal,28.3,2.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2020,urban,female,29,25-34,lowest,tertiary,unemployed,11.8,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2018,urban,female,23,18-24,middle,secondary,self_employed,2.0,11.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2019,rural,male,47,45-54,lowest,primary,employed_informal,13.6,4.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2021,rural,male,67,55+,fourth,primary,self_employed,2.4,0.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2019,urban,female,54,45-54,highest,primary,student,2.6,1.3,1,current,GTBank,0,18,0.0,none,0,1,0,low_burden |
| DRC,2025,rural,male,61,55+,second,primary,self_employed,20.4,22.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2024,urban,male,42,35-44,lowest,primary,employed_informal,7.3,1.6,1,savings,Standard Bank,0,10,0.0,none,1,0,0,low_burden |
| Tanzania,2020,urban,female,25,18-24,second,secondary,self_employed,8.0,2.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2025,rural,female,42,35-44,highest,primary,self_employed,12.4,15.3,1,savings,Absa,2,0,3508.76,none,0,0,0,low_burden |
| Zambia,2020,rural,female,74,55+,second,secondary,employed_informal,20.6,0.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2019,rural,female,62,55+,lowest,none,unemployed,3.4,0.0,1,savings,First National Bank,0,12,0.0,none,0,1,0,low_burden |
| Tanzania,2025,rural,female,58,55+,highest,none,employed_informal,3.6,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2025,urban,male,35,25-34,middle,primary,self_employed,1.9,4.6,1,current,FNB,1,0,2827.08,none,0,0,0,low_burden |
| South Africa,2020,rural,male,52,45-54,second,tertiary,self_employed,18.8,8.8,1,current,Absa,3,0,530.84,none,0,0,0,low_burden |
| Ethiopia,2022,rural,female,53,45-54,highest,secondary,self_employed,2.6,2.6,1,savings,Commercial Bank of Ethiopia,2,0,955.25,none,0,1,0,low_burden |
| DRC,2019,urban,male,55,45-54,highest,none,self_employed,1.6,2.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2023,rural,female,68,55+,middle,primary,unemployed,13.8,8.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2023,urban,female,56,55+,second,secondary,employed_formal,0.0,1.6,1,savings,Coris Bank,0,19,0.0,none,0,0,0,low_burden |
| Senegal,2023,rural,male,30,25-34,middle,primary,employed_informal,48.3,1.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2022,rural,female,30,25-34,lowest,secondary,unemployed,19.8,8.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2023,urban,female,53,45-54,middle,tertiary,student,3.0,3.8,1,current,DFCU,3,0,906.25,none,0,0,1,low_burden |
| Rwanda,2022,rural,female,67,55+,lowest,none,employed_formal,1.1,2.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2024,urban,male,72,55+,middle,secondary,employed_formal,1.2,0.1,1,savings,NMB,1,0,217.25,none,0,0,0,low_burden |
| Ghana,2019,rural,female,52,45-54,fourth,secondary,student,34.9,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2021,urban,male,48,45-54,highest,secondary,employed_formal,5.5,0.7,1,savings,Access Bank,3,0,9815.54,none,0,1,1,low_burden |
| South Africa,2021,urban,female,64,55+,fourth,none,student,3.2,0.7,1,savings,Absa,0,11,0.0,none,0,0,0,low_burden |
| Uganda,2022,urban,female,73,55+,lowest,secondary,unemployed,0.5,1.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2019,rural,male,19,18-24,lowest,none,employed_formal,35.7,0.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2020,urban,male,35,25-34,middle,secondary,employed_formal,8.7,2.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Kenya,2025,rural,female,37,35-44,second,secondary,student,5.8,1.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,urban,female,50,45-54,lowest,primary,employed_informal,2.1,3.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2023,rural,male,34,25-34,fourth,tertiary,self_employed,0.9,3.9,1,savings,BHS,0,23,0.0,none,0,0,0,low_burden |
| Ethiopia,2023,urban,female,35,25-34,second,secondary,employed_informal,1.3,0.1,1,savings,Awash Bank,0,16,0.0,none,0,1,0,low_burden |
| Niger,2021,urban,female,19,18-24,lowest,secondary,self_employed,3.2,4.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2018,rural,male,18,18-24,middle,tertiary,unemployed,25.2,11.3,1,current,NBS Bank,1,0,187.45,none,0,1,0,low_burden |
| Malawi,2018,rural,female,43,35-44,highest,secondary,self_employed,0.1,2.6,1,current,Standard Bank,1,0,2357.65,none,0,0,0,low_burden |
| Malawi,2020,rural,male,74,55+,fourth,none,employed_formal,33.8,1.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| DRC,2018,rural,male,34,25-34,lowest,secondary,self_employed,2.0,9.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2018,rural,female,31,25-34,middle,secondary,self_employed,15.8,8.0,1,salary_account,Ecobank,1,0,500.75,none,0,1,0,low_burden |
| Ethiopia,2019,rural,male,33,25-34,highest,secondary,employed_informal,7.2,2.3,1,savings,Awash Bank,1,0,1192.33,none,0,0,0,low_burden |
| Mozambique,2019,rural,female,73,55+,lowest,tertiary,unemployed,30.4,4.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2024,rural,female,55,45-54,middle,primary,self_employed,7.9,8.6,1,savings,FBNBank,1,0,341.49,none,0,1,0,low_burden |
| Mozambique,2023,rural,female,55,45-54,fourth,none,employed_formal,4.7,11.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2018,rural,male,28,25-34,fourth,primary,student,4.1,3.8,1,current,Orabank,1,0,2450.49,none,0,0,0,low_burden |
| Ethiopia,2023,rural,male,69,55+,lowest,secondary,self_employed,11.0,0.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2019,rural,female,29,25-34,highest,primary,employed_informal,1.0,1.1,1,savings,BDM,0,19,0.0,none,0,0,0,low_burden |
| Tanzania,2021,rural,female,73,55+,second,none,employed_formal,56.8,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2018,rural,female,72,55+,lowest,primary,employed_informal,28.0,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2018,rural,male,50,45-54,lowest,secondary,employed_informal,9.2,1.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2019,rural,male,67,55+,second,none,employed_informal,10.3,23.8,1,savings,Capitec,2,0,527.3,none,0,1,0,low_burden |
| Senegal,2021,rural,male,74,55+,lowest,primary,unemployed,3.0,1.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2021,rural,female,51,45-54,fourth,none,self_employed,19.9,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,rural,male,61,55+,highest,primary,employed_formal,6.4,1.0,1,savings,NBS Bank,3,0,1469.57,none,0,1,0,low_burden |
| Tanzania,2022,rural,female,51,45-54,lowest,none,unemployed,8.2,7.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Rwanda,2023,urban,male,47,45-54,fourth,none,unemployed,1.0,8.3,1,savings,Ecobank,4,0,3295.68,none,0,1,0,low_burden |
| Ethiopia,2023,rural,male,37,35-44,highest,secondary,self_employed,17.1,2.9,1,savings,Awash Bank,0,16,0.0,none,0,0,0,low_burden |
| Senegal,2022,urban,female,55,45-54,lowest,none,student,1.5,4.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ethiopia,2022,urban,female,33,25-34,fourth,none,employed_informal,0.7,1.0,1,savings,Dashen Bank,1,0,749.69,none,0,0,0,low_burden |
| Tanzania,2021,rural,female,29,25-34,highest,secondary,employed_formal,13.1,17.2,1,savings,NMB,0,5,0.0,none,0,0,0,low_burden |
| South Africa,2019,rural,male,33,25-34,fourth,none,employed_formal,6.5,6.5,1,salary_account,FNB,2,0,1484.02,none,0,1,0,low_burden |
| Ethiopia,2021,rural,female,18,18-24,middle,none,employed_informal,32.7,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2018,urban,male,71,55+,highest,primary,self_employed,6.1,2.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2025,rural,female,32,25-34,fourth,primary,employed_formal,18.3,3.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2020,rural,female,63,55+,second,secondary,self_employed,45.7,0.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Uganda,2024,rural,male,42,35-44,lowest,tertiary,student,2.5,2.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2025,rural,female,37,35-44,middle,primary,unemployed,28.3,5.5,1,savings,Stanbic,1,0,171.11,none,0,0,0,low_burden |
| Nigeria,2021,urban,male,30,25-34,second,secondary,self_employed,5.2,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2024,urban,male,64,55+,second,tertiary,self_employed,6.2,2.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2021,urban,male,47,45-54,lowest,primary,unemployed,6.1,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2019,urban,male,43,35-44,fourth,secondary,self_employed,1.6,1.4,1,savings,Nedbank,3,0,294.43,none,0,1,1,low_burden |
| Ethiopia,2018,urban,female,55,45-54,fourth,secondary,employed_informal,1.8,0.7,1,current,Dashen Bank,4,0,1454.49,none,1,0,1,low_burden |
| DRC,2019,urban,female,63,55+,second,secondary,employed_informal,5.7,2.4,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ghana,2025,urban,female,55,45-54,lowest,tertiary,employed_formal,1.0,0.9,1,salary_account,Absa,1,0,235.35,none,0,1,0,low_burden |
| Mali,2021,urban,female,44,35-44,lowest,none,self_employed,7.7,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2020,urban,female,68,55+,lowest,tertiary,self_employed,1.5,2.5,1,savings,Ecobank,1,0,1024.54,none,0,0,0,low_burden |
| Mali,2021,rural,male,69,55+,middle,primary,employed_formal,7.6,4.3,1,current,BDM,1,0,284.39,none,0,1,0,low_burden |
| Mali,2020,urban,male,73,55+,lowest,secondary,employed_informal,3.7,0.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2024,rural,male,23,18-24,highest,primary,unemployed,4.5,7.5,1,savings,First National Bank,2,0,2850.31,none,0,0,1,low_burden |
| Ghana,2025,urban,female,68,55+,second,primary,employed_informal,3.1,0.4,1,savings,Absa,2,0,275.34,none,0,0,1,low_burden |
| Zambia,2018,urban,female,29,25-34,lowest,none,employed_informal,1.0,0.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2023,urban,female,53,45-54,highest,tertiary,employed_informal,0.4,1.5,1,salary_account,Equity BCDC,0,12,0.0,none,0,0,1,low_burden |
| South Africa,2020,rural,male,55,45-54,second,secondary,employed_informal,12.4,3.5,1,current,Nedbank,0,16,0.0,none,0,0,0,low_burden |
| Mozambique,2018,urban,male,29,25-34,second,tertiary,unemployed,2.0,1.0,1,current,Standard Bank,2,0,660.63,none,0,0,0,low_burden |
| Nigeria,2025,rural,female,18,18-24,lowest,primary,employed_formal,9.3,5.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2018,urban,male,71,55+,middle,primary,employed_informal,1.0,2.8,1,savings,CBAO,1,0,924.87,none,0,1,1,low_burden |
| Uganda,2019,rural,female,68,55+,second,primary,student,49.9,4.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2018,urban,male,27,25-34,fourth,primary,self_employed,4.8,7.2,1,current,Ecobank,2,0,806.41,none,0,1,0,low_burden |
| South Africa,2021,urban,male,52,45-54,middle,primary,self_employed,5.8,0.3,1,savings,FNB,1,0,276.49,none,0,1,0,low_burden |
| Kenya,2022,rural,female,26,25-34,highest,tertiary,self_employed,9.5,2.2,1,savings,Stanbic,0,13,0.0,none,0,1,0,low_burden |
| Rwanda,2020,urban,female,50,45-54,middle,tertiary,employed_informal,2.6,1.4,1,current,Ecobank,0,15,0.0,none,0,1,0,low_burden |
| South Africa,2018,urban,female,36,35-44,fourth,primary,employed_informal,0.1,2.0,1,current,Absa,2,0,628.44,none,0,0,0,low_burden |
| DRC,2018,rural,female,60,55+,fourth,primary,employed_informal,24.6,0.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2025,urban,male,50,45-54,second,secondary,employed_informal,3.3,1.8,1,current,Commercial Bank of Ethiopia,1,0,137.6,none,0,0,0,low_burden |
| Uganda,2024,urban,female,46,45-54,fourth,secondary,employed_informal,2.4,1.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2025,rural,female,56,55+,middle,secondary,self_employed,3.3,4.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2022,urban,female,45,35-44,lowest,secondary,employed_formal,1.2,3.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2022,rural,female,18,18-24,fourth,none,employed_formal,33.9,36.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2024,rural,male,51,45-54,second,none,self_employed,13.9,4.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2022,rural,male,62,55+,middle,tertiary,self_employed,0.8,0.9,1,savings,Equity Bank,0,22,0.0,none,0,1,0,low_burden |
| Rwanda,2021,urban,female,45,35-44,lowest,secondary,self_employed,2.8,1.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2020,rural,female,27,25-34,lowest,tertiary,employed_formal,14.1,0.5,1,current,Stanbic,0,21,0.0,none,0,0,0,low_burden |
| South Africa,2021,rural,male,18,18-24,lowest,primary,unemployed,12.8,10.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2018,urban,male,34,25-34,lowest,secondary,unemployed,3.1,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2019,rural,female,61,55+,lowest,primary,self_employed,12.8,0.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2023,rural,female,36,35-44,lowest,tertiary,unemployed,8.1,5.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2024,rural,female,72,55+,middle,primary,employed_informal,92.2,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2018,urban,male,36,35-44,second,secondary,employed_formal,0.4,0.0,1,salary_account,Cooperative Bank,3,0,448.74,none,0,0,0,low_burden |
| Ethiopia,2018,urban,female,42,35-44,highest,none,employed_informal,0.4,0.3,1,salary_account,Awash Bank,1,0,175.48,none,0,0,0,low_burden |
| Mali,2018,rural,female,61,55+,fourth,none,self_employed,6.2,9.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2024,rural,female,52,45-54,lowest,none,unemployed,55.0,3.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2020,urban,male,20,18-24,second,secondary,employed_informal,7.8,3.0,1,savings,FBNBank,3,0,210.55,none,0,0,0,low_burden |
| Ghana,2020,urban,female,22,18-24,second,secondary,employed_informal,2.9,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2018,rural,female,29,25-34,second,tertiary,unemployed,7.0,0.3,1,savings,First National Bank,4,0,690.83,none,0,0,0,low_burden |
| Ghana,2025,urban,female,67,55+,middle,secondary,employed_informal,0.5,0.7,1,savings,Fidelity,0,6,0.0,none,1,1,1,low_burden |
| Malawi,2021,urban,female,19,18-24,middle,secondary,self_employed,1.6,1.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2024,rural,female,22,18-24,middle,secondary,employed_informal,25.5,12.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2023,urban,male,62,55+,second,none,student,0.8,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2019,urban,female,53,45-54,fourth,secondary,employed_informal,1.5,9.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2024,urban,female,74,55+,second,secondary,unemployed,5.9,4.9,1,savings,Coris Bank,4,0,677.73,none,0,0,0,low_burden |
| South Africa,2022,rural,male,30,25-34,fourth,secondary,self_employed,21.2,0.8,1,fixed_deposit,Nedbank,1,0,227.0,none,0,1,0,low_burden |
| Tanzania,2022,urban,male,55,45-54,highest,none,student,14.2,5.1,1,savings,Absa,2,0,2646.33,none,0,1,0,low_burden |
| Mozambique,2019,rural,female,25,18-24,second,primary,student,17.7,3.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2024,rural,male,51,45-54,fourth,primary,unemployed,4.7,2.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2025,rural,female,24,18-24,fourth,tertiary,employed_formal,4.7,12.8,1,savings,FNB,1,0,330.85,none,0,0,1,low_burden |
| Ethiopia,2021,rural,male,69,55+,middle,secondary,self_employed,4.4,13.8,1,savings,Awash Bank,2,0,369.43,none,1,1,0,low_burden |
| DRC,2018,rural,male,41,35-44,lowest,secondary,unemployed,7.4,0.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Senegal,2024,urban,male,32,25-34,fourth,primary,self_employed,5.7,1.6,1,salary_account,Ecobank,2,0,1521.38,none,1,1,0,low_burden |
| Kenya,2025,rural,female,74,55+,second,secondary,unemployed,0.8,0.9,1,savings,NCBA,0,5,0.0,none,0,1,0,low_burden |
| Tanzania,2022,rural,female,21,18-24,lowest,primary,unemployed,23.8,3.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2022,rural,male,63,55+,middle,none,employed_informal,33.8,0.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Nigeria,2019,rural,male,47,45-54,second,secondary,employed_informal,1.1,3.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2018,urban,male,57,55+,lowest,primary,employed_informal,0.4,1.1,1,salary_account,NBS Bank,1,0,84.31,none,1,1,0,low_burden |
| Mali,2025,rural,female,32,25-34,highest,primary,unemployed,35.6,3.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2021,urban,female,68,55+,lowest,primary,self_employed,2.9,0.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2020,rural,female,43,35-44,middle,primary,employed_formal,4.3,8.2,1,salary_account,Absa,0,4,0.0,none,0,1,0,low_burden |
| Ghana,2023,urban,male,41,35-44,middle,tertiary,unemployed,2.4,1.1,1,savings,Ecobank,0,18,0.0,none,0,1,0,low_burden |
| Senegal,2018,rural,female,44,35-44,lowest,secondary,employed_formal,24.8,18.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2018,rural,male,34,25-34,fourth,tertiary,employed_informal,2.7,7.2,1,current,GCB,2,0,2581.57,none,0,1,0,low_burden |
| South Africa,2019,rural,male,36,35-44,middle,tertiary,self_employed,9.0,0.1,1,savings,Nedbank,2,0,614.09,none,0,0,0,low_burden |
| Uganda,2021,urban,male,25,18-24,middle,primary,self_employed,1.4,0.6,1,savings,Stanbic,1,0,723.99,none,0,1,0,low_burden |
| South Africa,2020,rural,male,45,35-44,middle,primary,employed_formal,24.6,9.3,1,savings,Standard Bank,0,12,0.0,none,0,0,0,low_burden |
| Mali,2019,urban,male,45,35-44,highest,secondary,unemployed,0.2,0.8,1,salary_account,Coris Bank,4,0,3929.97,none,0,0,1,low_burden |
| DRC,2020,urban,female,39,35-44,highest,none,unemployed,0.0,3.8,1,savings,FBNBank,1,0,3384.59,none,0,0,0,low_burden |
| DRC,2020,rural,male,74,55+,lowest,tertiary,unemployed,22.5,3.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2022,rural,female,24,18-24,second,none,student,4.4,2.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2022,rural,female,69,55+,middle,secondary,employed_informal,29.3,16.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2025,urban,female,67,55+,highest,secondary,employed_informal,2.3,0.9,1,savings,CBAO,2,0,3156.41,none,0,1,0,low_burden |
| South Africa,2024,rural,female,19,18-24,fourth,tertiary,employed_formal,59.2,4.1,1,savings,Standard Bank,0,15,0.0,none,1,0,0,low_burden |
| Mozambique,2020,rural,female,57,55+,second,secondary,unemployed,3.9,1.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2025,urban,male,29,25-34,highest,secondary,employed_informal,1.1,0.1,1,savings,Ecobank,2,0,980.85,none,0,1,0,low_burden |
| Ethiopia,2022,rural,male,20,18-24,second,primary,student,38.0,27.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2019,rural,female,67,55+,second,secondary,self_employed,3.4,1.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2020,rural,female,24,18-24,middle,secondary,unemployed,3.5,6.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2023,rural,female,35,25-34,second,secondary,self_employed,1.9,8.5,1,savings,Dashen Bank,2,0,137.81,none,0,0,0,low_burden |
| DRC,2024,rural,female,23,18-24,middle,secondary,unemployed,14.5,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2020,urban,female,26,25-34,second,none,self_employed,4.6,2.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2019,urban,female,21,18-24,fourth,primary,self_employed,1.5,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2019,rural,female,66,55+,highest,tertiary,unemployed,18.2,3.1,1,savings,Fidelity,0,21,0.0,none,0,1,0,low_burden |
| Senegal,2018,rural,female,21,18-24,second,primary,employed_informal,10.9,8.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2023,rural,female,61,55+,middle,secondary,unemployed,20.2,15.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2022,rural,female,26,25-34,fourth,secondary,unemployed,11.2,13.4,1,savings,FNB,1,0,657.72,none,0,1,0,low_burden |
| Niger,2021,rural,female,70,55+,lowest,tertiary,unemployed,42.8,0.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2023,urban,female,66,55+,fourth,none,employed_informal,1.2,1.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2024,rural,male,53,45-54,middle,primary,employed_formal,2.3,5.1,1,savings,Millennium BIM,0,12,0.0,none,0,1,0,low_burden |
| Malawi,2024,rural,male,65,55+,lowest,tertiary,employed_formal,8.5,1.2,1,current,FDH Bank,0,16,0.0,none,0,0,0,low_burden |
| South Africa,2019,rural,female,35,25-34,highest,secondary,self_employed,13.8,12.1,1,current,Nedbank,2,0,2426.33,none,0,1,0,low_burden |
| Ethiopia,2022,urban,male,62,55+,second,secondary,employed_informal,0.4,0.9,1,savings,Awash Bank,2,0,119.84,none,1,1,0,low_burden |
| Uganda,2025,urban,male,30,25-34,lowest,primary,student,2.3,3.7,1,fixed_deposit,KCB,2,0,293.21,none,1,1,0,low_burden |
| Malawi,2024,urban,female,53,45-54,lowest,primary,student,0.2,0.7,1,savings,Standard Bank,1,0,248.19,none,0,0,0,low_burden |
| Uganda,2020,rural,female,70,55+,fourth,tertiary,employed_formal,16.8,4.9,1,savings,Stanbic,1,0,712.77,none,0,1,0,low_burden |
| Uganda,2021,rural,female,59,55+,highest,secondary,unemployed,4.6,22.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2025,urban,female,33,25-34,second,tertiary,employed_informal,0.9,0.4,1,salary_account,Millennium BIM,1,0,352.07,none,0,0,1,low_burden |
| Mali,2018,rural,male,60,55+,lowest,tertiary,employed_informal,13.2,15.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2022,rural,male,68,55+,lowest,secondary,employed_informal,3.5,13.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2018,urban,female,68,55+,middle,secondary,unemployed,0.7,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2025,rural,male,60,55+,second,secondary,unemployed,15.7,2.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2018,rural,female,59,55+,second,secondary,employed_formal,3.4,1.7,1,current,Absa,1,0,353.08,none,0,0,0,low_burden |
| Niger,2018,urban,female,62,55+,second,secondary,employed_informal,0.2,3.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2020,rural,female,59,55+,second,none,self_employed,20.7,6.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2019,rural,female,25,18-24,middle,tertiary,self_employed,3.7,4.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2021,urban,female,63,55+,middle,secondary,employed_formal,2.8,3.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2020,urban,female,28,25-34,lowest,tertiary,unemployed,7.8,0.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Kenya,2020,rural,male,49,45-54,middle,primary,student,26.1,3.2,1,current,Stanbic,1,0,711.87,none,0,0,1,low_burden |
| South Africa,2022,urban,female,37,35-44,second,primary,employed_informal,0.4,0.0,1,savings,Nedbank,1,0,608.95,none,0,1,0,low_burden |
| Zambia,2022,rural,male,30,25-34,middle,secondary,unemployed,5.7,2.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2025,rural,female,34,25-34,lowest,secondary,self_employed,13.0,3.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2021,rural,male,22,18-24,lowest,none,self_employed,16.6,1.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2022,rural,female,43,35-44,middle,primary,unemployed,10.5,4.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2023,rural,female,41,35-44,second,secondary,self_employed,71.7,4.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2019,rural,male,40,35-44,middle,tertiary,self_employed,0.8,14.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2023,rural,female,23,18-24,second,none,employed_informal,40.7,6.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2024,urban,male,52,45-54,lowest,primary,unemployed,0.7,3.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2020,urban,male,27,25-34,middle,primary,employed_informal,8.4,5.3,1,savings,BAK,3,0,4972.89,none,0,0,0,low_burden |
| Uganda,2019,urban,male,66,55+,second,primary,employed_informal,5.6,1.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2020,urban,male,19,18-24,lowest,none,self_employed,0.3,2.1,1,current,Commercial Bank of Ethiopia,1,0,210.58,none,0,1,1,low_burden |
| Mali,2020,rural,female,21,18-24,fourth,secondary,employed_informal,13.9,0.0,1,fixed_deposit,Coris Bank,1,0,492.41,none,0,0,0,low_burden |
| Rwanda,2022,urban,female,35,25-34,second,secondary,employed_informal,5.2,0.8,1,current,Equity Bank,1,0,72.94,none,0,0,1,low_burden |
| Nigeria,2024,urban,female,41,35-44,highest,primary,employed_informal,0.5,0.8,1,savings,UBA,2,0,538.2,none,1,0,1,low_burden |
| Kenya,2022,urban,female,73,55+,lowest,primary,unemployed,2.7,0.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2019,rural,female,47,45-54,highest,tertiary,self_employed,31.8,22.9,1,current,CBAO,2,0,905.7,none,0,0,0,low_burden |
| Malawi,2020,rural,female,39,35-44,fourth,primary,employed_informal,12.5,0.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| South Africa,2023,rural,female,65,55+,lowest,secondary,unemployed,20.2,5.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2020,rural,male,31,25-34,middle,primary,unemployed,12.2,13.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2022,rural,female,69,55+,middle,secondary,employed_formal,44.3,2.8,1,savings,BCI,2,0,867.97,none,0,0,0,low_burden |
| Ghana,2023,rural,female,40,35-44,middle,secondary,self_employed,19.2,0.7,1,savings,GCB,1,0,364.57,none,0,1,0,low_burden |
| Malawi,2020,urban,male,35,25-34,second,primary,employed_informal,1.8,5.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2023,rural,male,35,25-34,highest,secondary,self_employed,11.1,0.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2021,urban,male,18,18-24,fourth,secondary,unemployed,7.8,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,rural,male,56,55+,highest,primary,employed_formal,17.8,16.6,1,fixed_deposit,First Bank,0,7,0.0,none,0,1,0,low_burden |
| Zambia,2020,rural,female,50,45-54,fourth,secondary,self_employed,36.1,0.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2021,urban,male,54,45-54,fourth,primary,employed_informal,3.0,1.8,1,current,Commercial Bank of Ethiopia,3,0,1141.38,none,0,0,1,low_burden |
| Nigeria,2018,rural,female,55,45-54,fourth,primary,self_employed,0.0,5.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2025,urban,female,19,18-24,middle,tertiary,employed_formal,0.1,0.0,1,current,Stanbic,3,0,278.37,none,0,1,0,low_burden |
| Zambia,2022,urban,male,68,55+,highest,none,unemployed,3.8,0.6,1,savings,Zanaco,3,0,2389.79,none,0,0,0,low_burden |
| South Africa,2018,urban,female,47,45-54,middle,none,self_employed,0.1,0.4,1,savings,Absa,3,0,1004.8,none,0,1,1,low_burden |
| Nigeria,2024,urban,female,57,55+,lowest,none,employed_informal,7.3,2.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2024,urban,female,20,18-24,middle,tertiary,unemployed,1.6,1.3,1,savings,Standard Bank,1,0,362.43,none,1,1,0,low_burden |
| Ghana,2018,rural,female,61,55+,lowest,none,employed_formal,1.4,13.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2019,rural,female,56,55+,highest,primary,self_employed,15.0,3.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,rural,male,39,35-44,middle,secondary,self_employed,12.2,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2022,rural,male,71,55+,middle,secondary,employed_formal,37.6,5.0,1,savings,Absa,0,20,0.0,none,0,0,0,low_burden |
| Ghana,2023,urban,male,55,45-54,lowest,secondary,employed_informal,1.4,1.5,1,current,GCB,2,0,260.5,none,1,0,0,low_burden |
| Uganda,2021,urban,male,69,55+,middle,tertiary,employed_formal,1.9,1.3,1,current,DFCU,2,0,351.53,none,1,0,0,low_burden |
| Senegal,2022,rural,female,64,55+,second,none,unemployed,20.5,36.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2018,rural,male,29,25-34,fourth,secondary,unemployed,9.6,1.2,1,current,Ecobank,0,1,0.0,none,0,0,0,low_burden |
| South Africa,2023,rural,female,74,55+,middle,secondary,employed_formal,24.8,0.8,1,current,Absa,2,0,186.63,none,0,0,1,low_burden |
| Mozambique,2025,urban,male,60,55+,middle,primary,employed_formal,1.8,2.1,1,savings,BCI,4,0,778.65,none,0,1,0,low_burden |
| Mozambique,2022,rural,female,28,25-34,second,tertiary,unemployed,8.4,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2021,rural,female,63,55+,middle,secondary,employed_informal,0.2,4.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2020,urban,female,42,35-44,second,primary,employed_informal,6.9,0.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2025,urban,female,67,55+,highest,none,unemployed,0.6,0.9,1,savings,Standard Bank,0,14,0.0,none,0,0,0,low_burden |
| Nigeria,2018,urban,male,27,25-34,highest,none,employed_formal,0.5,0.5,1,current,Access Bank,1,0,2309.55,none,0,1,1,low_burden |
| Malawi,2020,rural,female,32,25-34,fourth,tertiary,student,13.8,3.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2019,rural,male,37,35-44,second,primary,employed_formal,6.9,17.9,1,savings,Awash Bank,1,0,538.82,none,0,0,1,low_burden |
| Kenya,2024,rural,female,43,35-44,lowest,tertiary,unemployed,17.6,4.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2021,urban,female,53,45-54,highest,none,employed_informal,4.5,0.1,1,savings,GCB,0,20,0.0,none,0,0,0,low_burden |
| Senegal,2025,rural,male,30,25-34,highest,tertiary,employed_informal,21.4,4.4,1,salary_account,CBAO,2,0,3565.41,none,1,0,0,low_burden |
| Ethiopia,2023,rural,male,58,55+,lowest,secondary,employed_informal,5.1,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2022,rural,male,19,18-24,fourth,none,student,10.5,1.9,1,savings,Nedbank,2,0,675.57,none,0,1,0,low_burden |
| Zambia,2022,rural,female,36,35-44,second,none,self_employed,4.1,8.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2019,urban,female,55,45-54,lowest,secondary,employed_formal,1.6,2.6,1,salary_account,Capitec,0,18,0.0,none,1,0,0,low_burden |
| Rwanda,2022,urban,male,33,25-34,highest,none,student,3.4,1.2,1,current,Bank of Kigali,3,0,1443.01,none,0,1,1,low_burden |
| Kenya,2023,rural,male,42,35-44,highest,primary,employed_formal,13.0,14.5,1,current,Equity Bank,1,0,1321.74,none,0,1,1,low_burden |
| Ghana,2025,rural,male,52,45-54,highest,secondary,employed_formal,26.5,7.2,1,savings,Ecobank,2,0,2188.21,none,1,0,1,low_burden |
| Niger,2022,rural,female,32,25-34,lowest,tertiary,employed_formal,2.0,21.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2025,rural,male,72,55+,middle,secondary,unemployed,8.1,1.9,1,current,Société Générale,2,0,447.47,none,0,1,0,low_burden |
| Tanzania,2025,urban,male,66,55+,highest,tertiary,employed_informal,1.2,0.3,1,savings,Absa,3,0,1835.99,none,1,0,1,low_burden |
| Zambia,2022,urban,female,73,55+,fourth,secondary,employed_informal,2.2,0.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2021,rural,male,46,45-54,second,secondary,student,12.3,27.4,1,salary_account,Millennium BIM,0,3,0.0,none,0,0,0,low_burden |
| Ethiopia,2019,urban,female,37,35-44,middle,primary,self_employed,0.2,1.7,1,savings,Commercial Bank of Ethiopia,2,0,280.93,none,0,1,0,low_burden |
| Kenya,2020,rural,female,74,55+,lowest,secondary,employed_informal,13.9,5.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2025,urban,male,59,55+,middle,secondary,self_employed,2.4,1.6,1,savings,NMB,2,0,219.76,none,0,0,1,low_burden |
| South Africa,2019,urban,female,63,55+,highest,secondary,employed_informal,6.9,1.7,1,current,Capitec,3,0,802.42,none,0,0,1,low_burden |
| Mali,2021,rural,male,28,25-34,lowest,tertiary,self_employed,14.7,1.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2023,urban,male,67,55+,lowest,primary,employed_informal,0.2,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2019,rural,female,48,45-54,middle,secondary,self_employed,10.1,9.7,1,savings,BCI,2,0,697.76,none,0,0,0,low_burden |
| Uganda,2025,rural,female,62,55+,middle,secondary,unemployed,45.4,13.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2023,rural,female,65,55+,second,primary,employed_informal,16.6,6.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2018,rural,male,24,18-24,lowest,primary,employed_formal,44.5,5.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2019,rural,male,23,18-24,fourth,tertiary,employed_informal,16.2,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2023,rural,male,21,18-24,lowest,primary,unemployed,1.0,2.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2024,urban,female,54,45-54,middle,secondary,unemployed,8.2,3.6,1,savings,Standard Bank,3,0,483.15,none,0,0,1,low_burden |
| Nigeria,2025,urban,female,70,55+,middle,secondary,unemployed,3.7,0.1,1,current,Zenith Bank,0,21,0.0,none,0,0,0,low_burden |
| Niger,2024,rural,female,19,18-24,second,tertiary,student,62.4,12.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2018,rural,female,25,18-24,middle,secondary,unemployed,8.6,6.2,1,savings,BHS,1,0,336.9,none,0,1,0,low_burden |
| Uganda,2023,rural,male,45,35-44,fourth,none,student,34.8,1.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2018,rural,female,40,35-44,middle,primary,self_employed,45.6,2.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2018,rural,male,23,18-24,middle,secondary,employed_informal,4.0,4.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2023,urban,male,52,45-54,second,none,self_employed,1.1,0.8,1,savings,CBAO,1,0,569.8,none,1,0,0,low_burden |
| Niger,2021,rural,female,69,55+,second,secondary,employed_informal,22.1,11.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2023,urban,female,30,25-34,middle,primary,employed_formal,2.4,2.0,1,savings,Awash Bank,1,0,1604.99,none,0,1,1,low_burden |
| Mali,2024,urban,male,18,18-24,second,none,employed_informal,0.2,1.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2018,rural,male,30,25-34,second,tertiary,employed_informal,1.3,0.9,1,savings,FDH Bank,3,0,225.61,none,0,1,0,low_burden |
| South Africa,2022,rural,female,28,25-34,lowest,tertiary,unemployed,4.2,3.2,1,savings,Standard Bank,1,0,77.28,none,0,1,0,low_burden |
| Kenya,2024,urban,male,44,35-44,fourth,secondary,employed_informal,0.9,1.3,1,savings,Equity Bank,0,10,0.0,none,0,1,1,low_burden |
| Nigeria,2021,rural,female,24,18-24,lowest,primary,employed_formal,17.9,12.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2022,rural,female,38,35-44,highest,tertiary,student,0.4,1.5,1,savings,Nedbank,2,0,3535.85,none,1,0,1,low_burden |
| Tanzania,2021,rural,male,24,18-24,middle,secondary,self_employed,12.1,1.2,1,savings,CRDB,0,13,0.0,none,0,0,0,low_burden |
| Tanzania,2025,rural,male,56,55+,lowest,tertiary,employed_informal,13.1,18.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2018,rural,male,44,35-44,middle,none,employed_informal,12.9,5.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2025,rural,female,22,18-24,second,none,employed_formal,20.7,3.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2024,urban,male,20,18-24,highest,secondary,student,3.5,1.2,1,savings,Stanbic,0,12,0.0,none,0,1,0,low_burden |
| Tanzania,2024,urban,female,45,35-44,highest,tertiary,employed_informal,0.9,0.1,1,savings,CRDB,2,0,1680.68,none,0,0,0,low_burden |
| Nigeria,2021,urban,male,51,45-54,fourth,none,student,2.4,0.0,1,savings,Access Bank,3,0,711.88,none,0,0,1,low_burden |
| South Africa,2022,urban,female,27,25-34,middle,primary,employed_informal,2.6,0.2,1,savings,Nedbank,1,0,1128.69,none,0,0,0,low_burden |
| Nigeria,2020,rural,male,36,35-44,highest,secondary,unemployed,1.5,1.8,1,savings,Access Bank,2,0,1345.57,none,0,1,1,low_burden |
| Uganda,2020,urban,male,52,45-54,middle,tertiary,employed_formal,5.1,5.1,1,current,Equity Bank,1,0,686.95,none,0,1,0,low_burden |
| Niger,2025,rural,female,44,35-44,highest,secondary,self_employed,4.3,0.1,1,savings,Sonibank,0,9,0.0,none,0,1,0,low_burden |
| Mozambique,2022,urban,female,24,18-24,lowest,tertiary,employed_informal,0.8,0.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2023,urban,male,40,35-44,highest,secondary,employed_informal,4.0,9.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2018,rural,male,29,25-34,middle,tertiary,student,3.0,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2024,rural,female,70,55+,second,secondary,unemployed,7.9,20.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2023,rural,male,63,55+,highest,none,employed_informal,10.8,1.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Uganda,2025,rural,male,35,25-34,fourth,secondary,unemployed,14.2,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2019,urban,male,31,25-34,highest,secondary,employed_formal,9.5,0.6,1,savings,FNB,1,0,1887.14,none,0,1,0,low_burden |
| Rwanda,2022,rural,male,25,18-24,lowest,primary,student,4.1,8.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2022,rural,female,60,55+,middle,primary,employed_informal,26.4,10.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2022,urban,female,70,55+,fourth,secondary,employed_informal,6.9,0.3,1,fixed_deposit,Dashen Bank,0,8,0.0,none,0,0,1,low_burden |
| South Africa,2018,rural,female,33,25-34,lowest,secondary,employed_informal,14.8,0.1,1,salary_account,FNB,3,0,2465.64,none,0,1,0,low_burden |
| Rwanda,2021,rural,female,54,45-54,fourth,primary,employed_informal,2.2,12.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2020,rural,male,31,25-34,middle,tertiary,student,0.0,31.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2022,rural,female,70,55+,second,primary,employed_informal,5.8,12.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2019,rural,male,35,25-34,fourth,none,employed_formal,1.3,3.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2021,urban,male,23,18-24,lowest,none,unemployed,0.1,2.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2022,rural,female,68,55+,fourth,primary,employed_informal,8.7,7.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2018,urban,male,71,55+,highest,none,employed_formal,0.3,1.7,1,salary_account,Awash Bank,2,0,1490.96,none,1,1,1,low_burden |
| Senegal,2024,urban,male,40,35-44,middle,secondary,self_employed,4.6,1.2,1,current,BHS,1,0,1057.92,none,0,0,1,low_burden |
| South Africa,2023,urban,male,69,55+,middle,secondary,employed_formal,1.3,1.3,1,savings,Standard Bank,1,0,409.15,none,1,0,1,low_burden |
| Mozambique,2018,rural,female,31,25-34,second,secondary,unemployed,27.5,8.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2018,rural,male,33,25-34,second,tertiary,self_employed,4.6,7.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2024,rural,female,48,45-54,highest,tertiary,employed_informal,2.1,24.3,1,fixed_deposit,Standard Bank,0,22,0.0,none,0,0,0,low_burden |
| Malawi,2020,rural,female,52,45-54,second,primary,self_employed,9.7,8.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2024,rural,female,39,35-44,second,none,employed_informal,14.2,3.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2021,rural,male,63,55+,second,primary,self_employed,4.3,13.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2020,urban,female,63,55+,middle,secondary,self_employed,1.0,0.2,1,current,First National Bank,4,0,716.69,none,0,1,0,low_burden |
| Malawi,2020,rural,male,24,18-24,fourth,primary,unemployed,59.9,4.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2023,urban,female,74,55+,lowest,secondary,self_employed,1.1,3.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2018,urban,female,27,25-34,second,secondary,unemployed,0.1,1.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2021,urban,male,48,45-54,lowest,secondary,employed_formal,4.2,0.8,1,salary_account,Commercial Bank of Ethiopia,3,0,157.25,none,0,0,0,low_burden |
| Tanzania,2020,urban,female,42,35-44,lowest,none,student,2.1,0.7,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ethiopia,2019,rural,female,43,35-44,second,primary,employed_informal,29.7,3.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2020,rural,male,25,18-24,fourth,primary,unemployed,0.2,3.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2022,urban,male,37,35-44,middle,secondary,self_employed,1.5,0.7,1,savings,Commercial Bank of Ethiopia,3,0,944.76,none,1,1,1,low_burden |
| Uganda,2023,rural,female,19,18-24,lowest,secondary,employed_formal,22.0,2.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2018,urban,female,73,55+,middle,secondary,employed_informal,0.8,2.3,1,savings,Equity Bank,1,0,463.16,none,0,1,0,low_burden |
| Niger,2024,urban,female,26,25-34,fourth,secondary,student,3.1,0.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2025,urban,male,45,35-44,second,secondary,unemployed,3.2,1.7,1,savings,Stanbic,3,0,501.4,none,0,0,0,low_burden |
| Senegal,2023,urban,female,30,25-34,lowest,none,unemployed,1.6,1.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2025,urban,female,28,25-34,fourth,primary,employed_informal,2.6,2.9,1,savings,BMCD,2,0,450.25,none,0,0,0,low_burden |
| Niger,2021,urban,female,40,35-44,lowest,none,self_employed,1.3,2.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2024,urban,female,73,55+,fourth,none,employed_informal,0.5,0.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Nigeria,2023,urban,male,45,35-44,fourth,primary,self_employed,2.2,2.0,1,current,GTBank,1,0,435.85,none,0,1,0,low_burden |
| Mozambique,2022,rural,female,72,55+,highest,secondary,employed_informal,17.8,4.2,1,salary_account,BCI,1,0,368.32,none,1,1,0,low_burden |
| DRC,2019,urban,male,65,55+,lowest,none,unemployed,2.1,0.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Rwanda,2022,urban,male,42,35-44,lowest,none,unemployed,0.9,2.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2025,rural,female,69,55+,highest,none,employed_informal,49.1,3.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2025,urban,male,37,35-44,middle,primary,self_employed,2.3,0.1,1,savings,Cooperative Bank,1,0,669.98,none,0,0,0,low_burden |
| Tanzania,2021,rural,male,46,45-54,second,primary,employed_informal,29.6,5.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,urban,male,56,55+,middle,none,employed_informal,0.1,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2023,rural,female,51,45-54,lowest,primary,employed_informal,62.9,3.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2018,rural,female,65,55+,middle,tertiary,employed_informal,3.2,11.7,1,savings,Fidelity,1,0,297.5,none,1,0,0,low_burden |
| Tanzania,2019,rural,male,27,25-34,highest,primary,employed_informal,7.8,8.0,1,savings,CRDB,0,16,0.0,none,0,0,0,low_burden |
| South Africa,2022,rural,male,46,45-54,fourth,primary,self_employed,27.6,0.6,1,savings,Capitec,1,0,4774.31,none,0,1,0,low_burden |
| DRC,2025,rural,female,55,45-54,second,primary,unemployed,15.6,0.4,1,salary_account,Equity BCDC,2,0,229.69,none,0,0,0,low_burden |
| Ghana,2020,urban,male,36,35-44,highest,primary,self_employed,2.6,3.7,1,savings,Absa,0,24,0.0,none,0,0,1,low_burden |
| Ethiopia,2021,urban,female,67,55+,fourth,secondary,student,3.7,2.5,1,savings,Dashen Bank,0,8,0.0,none,0,0,0,low_burden |
| Zambia,2020,rural,female,35,25-34,lowest,primary,unemployed,13.8,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2021,urban,male,35,25-34,fourth,tertiary,employed_formal,10.0,6.6,1,savings,Ecobank,2,0,2234.4,none,0,1,0,low_burden |
| South Africa,2018,urban,female,36,35-44,lowest,tertiary,self_employed,1.5,3.0,1,savings,Capitec,1,0,459.48,none,0,1,1,low_burden |
| Mozambique,2022,rural,male,56,55+,second,secondary,student,6.9,8.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2022,urban,female,24,18-24,middle,primary,employed_informal,1.9,0.9,1,current,Capitec,1,0,410.67,none,1,0,1,low_burden |
| Kenya,2020,urban,male,26,25-34,lowest,primary,employed_informal,3.0,2.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2020,rural,female,62,55+,lowest,primary,student,5.0,19.8,1,savings,Stanbic,3,0,102.03,none,0,1,0,low_burden |
| Senegal,2024,urban,female,29,25-34,middle,secondary,unemployed,0.2,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2019,rural,female,23,18-24,second,none,unemployed,22.4,12.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2018,rural,female,33,25-34,middle,secondary,unemployed,7.0,5.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2018,rural,male,40,35-44,second,primary,employed_informal,42.9,27.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2025,rural,female,19,18-24,fourth,primary,unemployed,9.5,3.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2020,urban,female,65,55+,highest,primary,unemployed,2.4,0.3,1,salary_account,Stanbic,1,0,1490.48,none,0,0,0,low_burden |
| Nigeria,2018,rural,male,24,18-24,lowest,primary,employed_informal,6.0,8.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2025,rural,male,41,35-44,fourth,secondary,employed_formal,4.6,1.7,1,current,Access Bank,1,0,2043.72,none,0,1,1,low_burden |
| Nigeria,2019,rural,male,29,25-34,lowest,secondary,employed_informal,24.5,4.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2020,urban,male,34,25-34,second,primary,unemployed,3.9,2.4,1,savings,BHS,0,8,0.0,none,0,1,0,low_burden |
| Ethiopia,2018,urban,female,20,18-24,second,none,unemployed,6.3,0.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mozambique,2023,urban,male,72,55+,lowest,tertiary,unemployed,0.5,0.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2023,urban,female,71,55+,lowest,primary,employed_informal,1.6,0.0,1,savings,Ecobank,1,0,1144.81,none,0,0,0,low_burden |
| Senegal,2024,urban,female,25,18-24,fourth,secondary,self_employed,8.6,0.5,1,savings,Ecobank,1,0,306.97,none,0,1,1,low_burden |
| Rwanda,2020,rural,male,29,25-34,fourth,primary,employed_formal,20.4,25.4,1,savings,Bank of Kigali,3,0,833.83,none,0,1,0,low_burden |
| Rwanda,2020,urban,female,68,55+,highest,secondary,student,2.6,0.4,1,savings,Bank of Kigali,3,0,1023.51,none,0,0,1,low_burden |
| Mali,2025,rural,male,41,35-44,highest,secondary,self_employed,36.4,23.6,1,savings,Coris Bank,1,0,1242.94,none,0,1,0,low_burden |
| Ghana,2024,rural,male,21,18-24,second,none,unemployed,13.7,3.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2018,urban,male,25,18-24,lowest,secondary,employed_informal,0.8,4.3,1,savings,Absa,1,0,720.61,none,0,1,0,low_burden |
| DRC,2023,rural,male,41,35-44,lowest,secondary,employed_formal,11.2,1.5,1,savings,BCDC,0,13,0.0,none,0,1,0,low_burden |
| DRC,2024,rural,male,49,45-54,middle,none,employed_formal,2.6,3.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2022,urban,male,54,45-54,highest,secondary,unemployed,1.2,1.4,1,current,Equity Bank,2,0,896.91,none,0,1,1,low_burden |
| Rwanda,2023,rural,male,26,25-34,second,primary,employed_informal,6.4,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2018,rural,male,39,35-44,lowest,none,unemployed,15.1,2.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2018,rural,female,32,25-34,second,secondary,employed_informal,8.1,3.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2018,rural,male,48,45-54,highest,tertiary,self_employed,50.9,24.3,1,current,Standard Bank,3,0,458.83,none,0,1,0,low_burden |
| Uganda,2019,rural,female,36,35-44,second,primary,employed_informal,0.7,2.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2025,urban,female,29,25-34,fourth,secondary,employed_formal,1.2,0.3,1,savings,Dashen Bank,1,0,968.96,none,0,1,0,low_burden |
| Uganda,2023,rural,female,64,55+,second,none,self_employed,16.9,26.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2024,rural,female,50,45-54,second,secondary,employed_informal,9.2,28.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2020,rural,female,45,35-44,second,primary,self_employed,13.1,24.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2025,rural,female,25,18-24,fourth,secondary,self_employed,1.4,26.4,1,savings,Stanbic,3,0,1116.86,none,0,1,0,low_burden |
| Malawi,2019,rural,female,22,18-24,fourth,primary,employed_informal,27.4,1.3,1,salary_account,National Bank,0,15,0.0,none,0,0,0,low_burden |
| Malawi,2025,rural,female,63,55+,second,primary,self_employed,2.1,21.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2018,urban,male,73,55+,second,secondary,self_employed,6.1,1.1,1,savings,Ecobank,2,0,239.31,none,1,0,1,low_burden |
| South Africa,2018,rural,female,51,45-54,lowest,none,employed_formal,11.2,7.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2018,urban,female,20,18-24,lowest,primary,employed_informal,3.5,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2024,rural,male,45,35-44,lowest,primary,employed_formal,5.8,3.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2020,rural,female,33,25-34,lowest,secondary,employed_formal,15.7,18.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2021,rural,female,21,18-24,fourth,none,employed_formal,6.7,3.9,1,savings,BMCD,0,3,0.0,none,0,0,0,low_burden |
| Uganda,2021,rural,female,26,25-34,fourth,secondary,self_employed,46.1,15.1,1,savings,KCB,2,0,477.96,none,0,0,0,low_burden |
| Senegal,2024,rural,male,46,45-54,fourth,primary,employed_formal,7.1,5.6,1,savings,BHS,2,0,937.18,none,0,0,0,low_burden |
| Malawi,2020,urban,male,42,35-44,fourth,secondary,unemployed,3.3,1.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2018,urban,male,50,45-54,highest,tertiary,unemployed,3.3,1.5,1,savings,GTBank,2,0,563.79,none,0,0,1,low_burden |
| Rwanda,2021,urban,female,57,55+,highest,primary,employed_formal,2.0,0.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2020,rural,female,33,25-34,second,secondary,self_employed,50.3,12.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2023,urban,female,34,25-34,lowest,primary,employed_formal,0.9,1.0,1,salary_account,Access Bank,2,0,257.76,none,0,0,1,low_burden |
| Rwanda,2024,rural,male,56,55+,lowest,none,employed_formal,8.1,2.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2018,urban,male,29,25-34,highest,secondary,student,2.0,3.1,1,current,Access Bank,0,9,0.0,none,0,0,0,low_burden |
| Niger,2024,rural,female,22,18-24,lowest,tertiary,self_employed,36.5,12.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2018,rural,female,66,55+,second,secondary,employed_formal,0.0,0.3,1,current,Access Bank,1,0,253.77,none,1,0,0,low_burden |
| Malawi,2022,rural,female,29,25-34,middle,tertiary,unemployed,8.4,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2021,rural,male,24,18-24,middle,primary,student,2.0,7.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2020,rural,male,60,55+,middle,secondary,self_employed,5.9,6.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mali,2021,rural,female,48,45-54,fourth,none,unemployed,5.9,3.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2020,rural,female,26,25-34,middle,tertiary,unemployed,19.3,1.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2024,urban,male,66,55+,highest,secondary,unemployed,3.7,1.7,1,salary_account,BCI,2,0,5035.22,none,0,1,0,low_burden |
| Nigeria,2025,urban,female,31,25-34,lowest,primary,self_employed,4.5,0.9,1,savings,Zenith Bank,2,0,237.3,none,1,0,1,low_burden |
| Niger,2024,rural,female,56,55+,highest,secondary,unemployed,1.8,9.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2021,rural,female,55,45-54,middle,secondary,self_employed,29.7,8.5,1,salary_account,FNB,4,0,442.23,none,1,1,0,low_burden |
| Mali,2022,rural,male,65,55+,lowest,tertiary,employed_informal,5.6,7.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2021,rural,male,59,55+,highest,secondary,employed_formal,7.3,6.0,1,salary_account,Access Bank,2,0,1381.4,none,1,0,0,low_burden |
| DRC,2024,urban,female,58,55+,highest,tertiary,employed_informal,1.0,2.0,1,current,BCDC,1,0,353.41,none,0,0,0,low_burden |
| Uganda,2022,rural,female,20,18-24,fourth,secondary,employed_formal,5.7,16.6,1,salary_account,Stanbic,1,0,746.44,none,0,1,1,low_burden |
| Senegal,2021,rural,female,71,55+,highest,secondary,employed_formal,6.0,5.0,1,fixed_deposit,Ecobank,2,0,1410.94,none,0,1,0,low_burden |
| Zambia,2021,rural,female,25,18-24,second,secondary,self_employed,1.7,5.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2021,rural,male,32,25-34,lowest,none,student,16.0,4.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2022,rural,male,43,35-44,lowest,none,employed_formal,40.7,7.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2023,rural,male,34,25-34,highest,tertiary,employed_informal,10.0,6.7,1,savings,Equity Bank,0,11,0.0,none,0,0,0,low_burden |
| Zambia,2021,rural,female,51,45-54,fourth,tertiary,unemployed,35.0,17.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2024,urban,male,21,18-24,highest,tertiary,employed_informal,0.7,3.1,1,savings,Nedbank,1,0,1729.77,none,0,1,0,low_burden |
| Malawi,2024,rural,female,43,35-44,fourth,none,unemployed,13.5,3.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Tanzania,2021,rural,female,37,35-44,middle,primary,self_employed,20.5,10.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2025,rural,female,54,45-54,lowest,tertiary,self_employed,13.4,34.8,1,current,Absa,0,3,0.0,none,0,0,0,low_burden |
| Uganda,2019,urban,female,47,45-54,lowest,none,employed_informal,8.2,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2025,rural,female,61,55+,middle,primary,employed_informal,15.4,11.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2020,urban,female,27,25-34,fourth,primary,self_employed,1.8,4.8,1,current,Zanaco,0,14,0.0,none,0,1,0,low_burden |
| Zambia,2022,rural,female,72,55+,lowest,tertiary,employed_formal,5.3,21.6,1,savings,Absa,3,0,157.96,none,1,0,0,low_burden |
| Mozambique,2020,urban,male,40,35-44,highest,secondary,employed_informal,6.1,0.1,1,savings,BCI,1,0,5204.38,none,0,0,1,low_burden |
| Malawi,2021,urban,male,37,35-44,fourth,primary,employed_informal,2.0,2.3,1,savings,FDH Bank,3,0,664.79,none,1,0,1,low_burden |
| South Africa,2020,rural,female,49,45-54,second,secondary,self_employed,10.4,5.8,1,savings,Absa,3,0,170.63,none,0,1,1,low_burden |
| Uganda,2023,urban,female,27,25-34,highest,none,self_employed,1.8,1.2,1,savings,DFCU,3,0,438.27,none,1,0,0,low_burden |
| Mali,2018,urban,female,64,55+,middle,secondary,unemployed,0.1,4.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2024,rural,male,33,25-34,fourth,secondary,unemployed,5.7,2.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2025,rural,female,70,55+,second,secondary,employed_formal,11.6,11.7,1,savings,Absa,2,0,234.6,none,0,1,1,low_burden |
| Ghana,2022,urban,female,26,25-34,second,primary,student,2.9,0.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2022,rural,female,67,55+,lowest,primary,unemployed,20.5,9.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,rural,male,40,35-44,middle,none,employed_informal,5.7,32.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2019,rural,female,52,45-54,fourth,tertiary,self_employed,16.2,20.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Kenya,2023,urban,female,67,55+,highest,primary,employed_informal,2.6,0.5,1,savings,Equity Bank,0,3,0.0,none,0,1,0,low_burden |
| Senegal,2019,urban,female,25,18-24,highest,primary,student,1.5,0.6,1,salary_account,BHS,1,0,718.37,none,0,0,1,low_burden |
| South Africa,2023,rural,male,37,35-44,lowest,primary,employed_informal,24.0,16.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2020,rural,female,72,55+,highest,tertiary,employed_informal,46.4,6.6,1,savings,Cooperative Bank,2,0,587.73,none,0,0,0,low_burden |
| Zambia,2023,urban,male,26,25-34,lowest,secondary,student,0.1,1.2,1,salary_account,Absa,1,0,143.34,none,0,0,1,low_burden |
| Zambia,2024,rural,male,23,18-24,lowest,none,self_employed,6.6,5.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2019,urban,male,47,45-54,fourth,secondary,employed_formal,1.3,0.3,1,savings,Millennium BIM,1,0,2049.27,none,0,0,0,low_burden |
| Tanzania,2022,rural,female,19,18-24,highest,primary,self_employed,56.8,4.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2021,rural,female,74,55+,highest,secondary,unemployed,10.8,11.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2020,rural,male,69,55+,fourth,tertiary,employed_informal,0.9,20.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2022,rural,male,28,25-34,lowest,secondary,self_employed,3.4,35.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2025,urban,male,27,25-34,lowest,tertiary,self_employed,5.9,0.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2018,rural,male,62,55+,lowest,secondary,self_employed,51.5,11.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2025,urban,female,47,45-54,middle,primary,student,1.2,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2024,rural,male,64,55+,middle,secondary,self_employed,2.0,4.0,1,savings,Bank of Kigali,4,0,1056.41,none,0,1,0,low_burden |
| Mali,2022,rural,male,73,55+,lowest,secondary,self_employed,21.3,3.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2022,urban,female,40,35-44,second,primary,unemployed,1.7,1.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2020,urban,male,32,25-34,middle,secondary,employed_formal,3.6,4.2,1,current,Millennium BIM,2,0,179.29,none,0,1,0,low_burden |
| Malawi,2019,urban,female,53,45-54,fourth,none,employed_formal,0.9,0.7,1,salary_account,NBS Bank,0,21,0.0,none,0,1,0,low_burden |
| Malawi,2022,urban,female,54,45-54,second,primary,student,1.3,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2024,urban,female,42,35-44,second,tertiary,unemployed,5.7,1.6,1,current,I&M Bank,2,0,345.14,none,0,0,1,low_burden |
| Nigeria,2019,rural,female,35,25-34,middle,none,employed_informal,26.9,6.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2023,rural,male,32,25-34,fourth,secondary,employed_formal,4.0,1.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2023,rural,female,47,45-54,second,primary,employed_informal,9.4,9.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2024,rural,female,42,35-44,lowest,secondary,employed_formal,10.6,2.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2020,rural,male,44,35-44,highest,tertiary,employed_informal,10.5,0.8,1,salary_account,NMB,2,0,2328.83,none,0,0,0,low_burden |
| Ethiopia,2021,urban,female,23,18-24,fourth,secondary,self_employed,1.5,1.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2021,rural,female,68,55+,lowest,secondary,employed_informal,16.6,9.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2024,rural,female,58,55+,middle,primary,self_employed,13.5,6.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2025,rural,female,70,55+,middle,primary,student,46.8,1.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2021,rural,male,65,55+,lowest,secondary,student,7.2,8.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2025,rural,female,53,45-54,lowest,secondary,unemployed,5.4,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2022,rural,female,35,25-34,highest,secondary,self_employed,1.4,5.8,1,savings,Absa,3,0,2650.12,none,1,0,0,low_burden |
| Niger,2021,rural,female,55,45-54,middle,secondary,self_employed,4.2,6.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2018,rural,male,50,45-54,lowest,primary,self_employed,6.7,2.7,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2022,rural,female,70,55+,fourth,primary,employed_informal,50.7,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2023,urban,female,31,25-34,middle,tertiary,unemployed,2.8,3.0,1,savings,Standard Bank,2,0,1803.6,none,1,1,1,low_burden |
| Rwanda,2025,urban,male,19,18-24,middle,secondary,self_employed,0.4,2.2,1,salary_account,Ecobank,0,13,0.0,none,0,0,0,low_burden |
| DRC,2023,rural,female,25,18-24,second,secondary,self_employed,15.1,3.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2018,urban,female,27,25-34,lowest,secondary,employed_informal,20.3,0.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2022,rural,female,55,45-54,lowest,tertiary,employed_informal,41.5,1.9,1,savings,First National Bank,2,0,72.16,none,0,1,0,low_burden |
| Kenya,2023,urban,female,26,25-34,highest,tertiary,unemployed,2.6,2.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2021,rural,male,25,18-24,middle,primary,employed_informal,12.6,4.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2021,urban,female,40,35-44,fourth,tertiary,employed_formal,1.7,1.3,1,savings,Zanaco,2,0,405.84,none,0,0,1,low_burden |
| Malawi,2024,rural,female,62,55+,lowest,primary,self_employed,6.7,0.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2022,urban,female,42,35-44,fourth,primary,unemployed,2.3,0.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2023,urban,male,33,25-34,middle,tertiary,employed_formal,0.3,8.9,1,savings,Stanbic,1,0,294.28,none,0,1,1,low_burden |
| Senegal,2021,urban,male,34,25-34,middle,primary,employed_informal,3.3,1.8,1,current,BHS,2,0,670.28,none,0,1,0,low_burden |
| Mali,2020,rural,female,64,55+,second,primary,unemployed,28.4,17.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2022,rural,male,42,35-44,middle,secondary,student,12.0,18.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2025,rural,female,39,35-44,lowest,tertiary,self_employed,1.2,10.3,1,savings,KCB,1,0,20.85,none,0,1,0,low_burden |
| Ethiopia,2022,urban,female,62,55+,lowest,none,unemployed,9.2,2.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2023,rural,female,39,35-44,fourth,secondary,employed_informal,13.2,9.3,1,savings,UBA,4,0,686.55,none,0,1,1,low_burden |
| Ethiopia,2018,urban,male,38,35-44,lowest,secondary,unemployed,0.8,0.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2025,rural,female,60,55+,lowest,primary,self_employed,24.9,3.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2019,rural,male,36,35-44,highest,secondary,unemployed,11.7,9.1,1,savings,KCB,4,0,398.89,none,0,1,0,low_burden |
| Mali,2025,urban,female,47,45-54,second,secondary,unemployed,2.6,1.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2021,rural,female,55,45-54,middle,secondary,employed_informal,23.2,5.7,1,savings,GCB,0,5,0.0,none,0,0,0,low_burden |
| Mozambique,2025,rural,female,29,25-34,fourth,secondary,employed_formal,0.8,1.0,1,savings,Standard Bank,1,0,822.83,none,1,0,0,low_burden |
| Niger,2025,urban,male,25,18-24,fourth,tertiary,unemployed,4.2,0.1,1,savings,Orabank,0,13,0.0,none,0,0,0,low_burden |
| Tanzania,2024,urban,male,66,55+,lowest,secondary,employed_formal,0.9,5.6,1,current,Absa,1,0,963.6,none,0,0,1,low_burden |
| Senegal,2025,urban,female,34,25-34,middle,none,self_employed,2.3,0.6,1,savings,Société Générale,0,9,0.0,none,0,1,1,low_burden |
| Uganda,2022,urban,female,37,35-44,middle,secondary,self_employed,0.3,1.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2024,urban,female,51,45-54,second,secondary,employed_formal,0.5,0.4,1,current,Stanbic,1,0,689.12,none,0,0,0,low_burden |
| South Africa,2019,rural,female,23,18-24,fourth,none,unemployed,2.0,2.1,1,savings,Standard Bank,0,11,0.0,none,1,1,0,low_burden |
| DRC,2018,urban,female,20,18-24,highest,secondary,self_employed,4.5,0.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2022,rural,male,41,35-44,lowest,secondary,unemployed,26.9,5.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2024,rural,female,73,55+,lowest,primary,employed_informal,4.5,13.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2024,rural,female,50,45-54,fourth,primary,employed_formal,10.3,5.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2022,rural,female,50,45-54,second,secondary,employed_formal,6.9,3.1,1,savings,Dashen Bank,2,0,125.67,none,1,1,0,low_burden |
| Tanzania,2022,urban,male,52,45-54,fourth,primary,employed_informal,3.7,0.1,1,current,NMB,0,7,0.0,none,0,1,0,low_burden |
| Tanzania,2022,urban,female,67,55+,lowest,tertiary,self_employed,0.1,0.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2024,urban,male,65,55+,lowest,none,employed_informal,2.8,1.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2024,rural,female,19,18-24,fourth,secondary,employed_formal,25.2,2.1,1,savings,Zenith Bank,1,0,589.75,none,0,0,0,low_burden |
| Mozambique,2018,rural,female,48,45-54,highest,secondary,student,1.8,9.0,1,savings,Millennium BIM,0,11,0.0,none,1,1,0,low_burden |
| Niger,2022,urban,female,49,45-54,lowest,primary,employed_formal,1.8,0.4,1,savings,Sonibank,1,0,90.27,none,0,1,0,low_burden |
| Mali,2021,urban,male,30,25-34,highest,secondary,employed_informal,1.8,1.3,1,savings,BDM,0,4,0.0,none,0,1,1,low_burden |
| Nigeria,2024,rural,male,73,55+,second,none,unemployed,12.1,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2022,urban,male,32,25-34,lowest,primary,self_employed,1.4,2.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| DRC,2025,rural,male,65,55+,middle,secondary,employed_informal,21.3,0.5,1,savings,FBNBank,3,0,1408.48,none,0,0,0,low_burden |
| Nigeria,2021,urban,male,23,18-24,second,primary,student,0.7,3.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2023,urban,female,52,45-54,fourth,secondary,self_employed,0.5,3.5,1,current,BMCD,1,0,141.62,none,0,0,1,low_burden |
| Ethiopia,2018,rural,male,59,55+,second,secondary,employed_formal,21.2,7.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2025,urban,male,46,45-54,middle,none,employed_formal,1.9,3.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2019,urban,female,24,18-24,lowest,primary,student,3.3,0.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2021,rural,male,25,18-24,fourth,tertiary,employed_informal,12.3,10.0,1,savings,FBNBank,4,0,580.11,none,0,0,0,low_burden |
| Nigeria,2024,urban,male,52,45-54,highest,primary,unemployed,0.5,3.7,1,savings,Access Bank,0,7,0.0,none,1,0,0,low_burden |
| Ethiopia,2025,rural,female,67,55+,second,secondary,employed_formal,31.8,10.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2021,urban,male,52,45-54,second,none,employed_formal,0.5,4.1,1,savings,CRDB,0,10,0.0,none,0,0,0,low_burden |
| Ghana,2021,urban,male,23,18-24,highest,tertiary,unemployed,1.7,1.0,1,savings,GCB,3,0,950.86,none,0,0,0,low_burden |
| Tanzania,2018,urban,female,62,55+,lowest,primary,student,0.8,0.4,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ethiopia,2025,urban,male,44,35-44,fourth,primary,employed_formal,1.5,1.3,1,savings,Commercial Bank of Ethiopia,1,0,322.48,none,0,0,1,low_burden |
| Uganda,2018,urban,male,22,18-24,middle,secondary,employed_informal,3.3,4.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2018,urban,male,38,35-44,highest,primary,unemployed,4.7,2.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2021,rural,male,29,25-34,second,secondary,self_employed,14.3,14.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2018,rural,female,74,55+,second,none,employed_informal,16.1,7.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2019,rural,male,69,55+,second,none,employed_informal,0.7,0.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2023,rural,male,24,18-24,lowest,primary,student,11.9,19.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2023,rural,male,50,45-54,lowest,secondary,employed_informal,6.9,9.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,rural,female,18,18-24,highest,tertiary,employed_informal,13.4,4.3,1,savings,National Bank,0,19,0.0,none,0,0,1,low_burden |
| Zambia,2024,urban,male,44,35-44,lowest,none,employed_informal,2.0,0.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ghana,2022,urban,female,26,25-34,lowest,tertiary,employed_formal,5.2,3.8,1,savings,Absa,0,22,0.0,none,0,1,0,low_burden |
| Mali,2019,rural,male,60,55+,second,secondary,self_employed,14.8,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2023,rural,female,22,18-24,second,none,employed_informal,14.5,5.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2022,rural,male,69,55+,middle,none,self_employed,15.0,12.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Uganda,2024,urban,male,31,25-34,lowest,primary,employed_informal,1.0,2.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2019,rural,female,32,25-34,fourth,none,employed_formal,27.8,6.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2019,urban,male,68,55+,fourth,secondary,unemployed,5.1,1.7,1,savings,Fidelity,3,0,3107.07,none,0,1,1,low_burden |
| Malawi,2020,rural,female,69,55+,lowest,secondary,self_employed,37.1,33.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,rural,female,23,18-24,fourth,primary,employed_informal,10.5,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2025,rural,female,24,18-24,second,secondary,employed_formal,6.5,1.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2023,rural,male,66,55+,second,primary,self_employed,18.8,11.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2022,urban,female,73,55+,highest,tertiary,unemployed,1.5,0.6,1,savings,Ecobank,1,0,474.22,none,0,0,0,low_burden |
| Ethiopia,2022,rural,male,45,35-44,highest,secondary,self_employed,14.8,1.0,1,salary_account,Awash Bank,1,0,638.54,none,0,0,1,low_burden |
| Ethiopia,2025,rural,female,27,25-34,second,primary,unemployed,68.1,1.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Nigeria,2021,rural,female,26,25-34,middle,secondary,employed_informal,30.8,3.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,urban,female,33,25-34,second,primary,student,1.3,2.4,1,current,First Bank,3,0,1201.15,none,0,0,0,low_burden |
| Ghana,2019,urban,female,57,55+,middle,tertiary,employed_informal,1.2,2.4,1,current,Fidelity,2,0,461.71,none,0,1,1,low_burden |
| Zambia,2020,urban,female,23,18-24,fourth,primary,employed_informal,0.5,1.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2023,rural,female,54,45-54,lowest,tertiary,self_employed,49.4,26.1,1,savings,Commercial Bank of Ethiopia,2,0,159.84,none,0,0,0,low_burden |
| Ethiopia,2021,rural,male,63,55+,highest,tertiary,employed_formal,8.9,10.3,1,savings,Commercial Bank of Ethiopia,1,0,1006.6,none,0,0,0,low_burden |
| Niger,2021,rural,female,26,25-34,fourth,secondary,self_employed,2.5,2.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2021,rural,male,74,55+,lowest,secondary,employed_informal,22.1,4.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2025,rural,male,74,55+,highest,secondary,unemployed,2.5,2.9,1,savings,BCI,2,0,1657.16,none,0,0,0,low_burden |
| Mali,2025,urban,female,34,25-34,fourth,none,unemployed,0.6,1.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2019,rural,male,24,18-24,second,tertiary,self_employed,2.3,15.7,1,savings,UBA,2,0,237.76,none,0,1,0,low_burden |
| Tanzania,2018,urban,female,36,35-44,middle,primary,employed_informal,1.0,1.2,1,current,Absa,0,22,0.0,none,0,0,1,low_burden |
| Nigeria,2019,urban,male,32,25-34,highest,tertiary,employed_informal,0.1,0.3,1,salary_account,Zenith Bank,2,0,922.34,none,0,1,1,low_burden |
| Tanzania,2024,urban,male,33,25-34,highest,secondary,unemployed,4.9,0.5,1,savings,NBC,4,0,541.03,none,0,1,1,low_burden |
| Ethiopia,2021,urban,female,70,55+,second,none,self_employed,0.3,0.5,1,savings,Commercial Bank of Ethiopia,1,0,346.13,none,1,0,0,low_burden |
| Uganda,2024,urban,male,26,25-34,middle,primary,self_employed,7.3,0.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2023,rural,female,36,35-44,highest,primary,employed_formal,28.9,8.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2022,urban,female,62,55+,highest,none,employed_informal,0.6,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2020,urban,female,21,18-24,lowest,secondary,employed_informal,14.2,1.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2020,urban,male,21,18-24,middle,none,unemployed,3.3,3.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2019,rural,female,35,25-34,highest,tertiary,unemployed,7.5,12.3,1,current,FBNBank,1,0,1029.65,none,1,1,0,low_burden |
| Ethiopia,2022,rural,male,73,55+,lowest,primary,student,16.1,6.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2020,urban,male,65,55+,second,primary,employed_informal,0.8,1.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2020,urban,male,70,55+,middle,primary,self_employed,1.4,0.3,1,savings,Fidelity,1,0,343.54,none,1,1,0,low_burden |
| Senegal,2018,rural,male,67,55+,middle,none,unemployed,1.2,12.4,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2024,rural,female,24,18-24,fourth,secondary,employed_informal,18.2,3.2,1,current,Coris Bank,2,0,1397.36,none,0,0,0,low_burden |
| Kenya,2025,rural,male,40,35-44,lowest,primary,self_employed,15.9,29.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2021,rural,male,48,45-54,fourth,secondary,self_employed,34.3,9.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2022,rural,female,27,25-34,second,secondary,employed_informal,26.8,11.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2025,rural,female,74,55+,fourth,primary,employed_informal,0.8,5.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2022,urban,male,52,45-54,second,primary,employed_informal,0.1,1.2,1,current,Equity Bank,2,0,223.64,none,0,0,0,low_burden |
| Rwanda,2022,rural,male,66,55+,lowest,primary,self_employed,8.1,9.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2021,urban,male,32,25-34,highest,primary,employed_informal,1.6,2.2,1,fixed_deposit,Cooperative Bank,1,0,1520.34,none,0,0,1,low_burden |
| Mozambique,2022,rural,female,58,55+,fourth,secondary,employed_informal,9.9,2.7,1,savings,BCI,0,9,0.0,none,0,1,0,low_burden |
| Rwanda,2022,urban,female,24,18-24,second,none,employed_formal,3.6,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2023,urban,female,19,18-24,second,primary,unemployed,0.4,5.3,1,savings,Capitec,1,0,1278.66,none,0,1,0,low_burden |
| Zambia,2022,rural,female,54,45-54,middle,secondary,unemployed,19.6,6.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2022,rural,male,21,18-24,highest,primary,student,36.7,3.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2018,urban,female,33,25-34,second,tertiary,unemployed,0.1,0.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mozambique,2025,rural,male,63,55+,highest,secondary,employed_formal,14.7,3.8,1,current,Standard Bank,1,0,2256.38,none,0,1,0,low_burden |
| DRC,2025,urban,male,46,45-54,second,secondary,employed_formal,10.4,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2019,rural,male,39,35-44,fourth,secondary,self_employed,22.6,0.4,1,savings,Millennium BIM,2,0,535.29,none,1,1,0,low_burden |
| Zambia,2020,rural,male,34,25-34,second,primary,self_employed,2.2,3.0,1,fixed_deposit,Stanbic,1,0,139.34,none,0,1,1,low_burden |
| Mali,2025,urban,female,56,55+,lowest,none,unemployed,6.8,1.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2020,rural,male,72,55+,highest,secondary,employed_informal,13.3,4.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2024,rural,male,60,55+,lowest,primary,student,19.6,17.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2024,urban,male,38,35-44,highest,primary,employed_informal,1.0,2.9,1,savings,Ecobank,1,0,1492.95,none,0,0,0,low_burden |
| Uganda,2024,rural,female,42,35-44,lowest,secondary,self_employed,24.3,14.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2018,urban,female,23,18-24,second,secondary,unemployed,4.3,0.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2021,rural,female,26,25-34,highest,secondary,self_employed,10.8,5.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2022,urban,female,33,25-34,middle,none,unemployed,2.5,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2024,urban,female,40,35-44,lowest,tertiary,unemployed,2.3,0.9,1,savings,Absa,1,0,345.43,none,1,1,1,low_burden |
| Zambia,2019,rural,male,74,55+,middle,none,unemployed,30.6,5.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2020,urban,male,67,55+,lowest,tertiary,unemployed,7.5,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2019,rural,male,24,18-24,highest,primary,employed_informal,1.4,2.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2024,rural,male,36,35-44,lowest,tertiary,employed_informal,10.5,0.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2025,rural,female,21,18-24,middle,tertiary,unemployed,18.4,2.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2019,urban,male,21,18-24,lowest,primary,self_employed,1.6,4.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mali,2019,rural,male,39,35-44,fourth,secondary,self_employed,1.6,5.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2020,rural,female,72,55+,highest,none,employed_informal,0.3,2.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2025,urban,male,28,25-34,fourth,none,employed_informal,0.7,1.4,1,savings,Ecobank,1,0,514.15,none,1,0,0,low_burden |
| DRC,2021,rural,male,56,55+,second,primary,self_employed,7.4,14.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2020,rural,male,40,35-44,lowest,secondary,student,6.0,11.9,1,current,Absa,2,0,177.68,none,0,0,0,low_burden |
| Uganda,2020,rural,female,48,45-54,lowest,none,employed_informal,3.3,9.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2022,rural,male,67,55+,highest,secondary,employed_informal,0.2,3.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2021,rural,male,65,55+,lowest,tertiary,employed_formal,18.2,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,rural,male,65,55+,middle,tertiary,self_employed,36.0,5.8,1,savings,GTBank,2,0,305.56,none,0,1,0,low_burden |
| Mali,2024,rural,female,41,35-44,second,primary,employed_informal,1.2,13.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2021,rural,male,20,18-24,highest,secondary,unemployed,8.1,4.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2020,rural,male,74,55+,middle,none,employed_formal,34.0,1.7,1,savings,FBNBank,2,0,360.83,none,0,1,0,low_burden |
| Mali,2023,rural,female,74,55+,middle,primary,employed_informal,20.8,9.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2023,rural,female,66,55+,highest,tertiary,employed_formal,3.1,0.5,1,savings,FNB,0,9,0.0,none,1,0,0,low_burden |
| Niger,2019,urban,male,45,35-44,highest,tertiary,employed_formal,1.3,3.0,1,current,Sonibank,2,0,597.47,none,0,1,1,low_burden |
| Mozambique,2018,urban,male,33,25-34,middle,primary,unemployed,1.9,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2018,rural,male,27,25-34,fourth,primary,student,4.8,18.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2024,rural,female,39,35-44,middle,primary,unemployed,13.9,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2023,rural,male,37,35-44,second,primary,unemployed,8.2,0.7,1,fixed_deposit,GTBank,1,0,396.6,none,0,0,0,low_burden |
| Tanzania,2024,rural,female,33,25-34,lowest,none,employed_formal,3.4,3.7,1,savings,CRDB,0,7,0.0,none,1,0,0,low_burden |
| Uganda,2023,rural,female,72,55+,fourth,none,unemployed,5.4,14.1,1,savings,KCB,2,0,881.44,none,0,1,0,low_burden |
| Malawi,2021,urban,female,55,45-54,fourth,primary,self_employed,6.2,0.2,1,current,Standard Bank,0,13,0.0,none,0,1,0,low_burden |
| Mali,2022,rural,male,30,25-34,lowest,primary,unemployed,70.3,1.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Tanzania,2023,urban,female,54,45-54,lowest,secondary,self_employed,6.7,2.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2021,rural,female,58,55+,fourth,secondary,employed_informal,27.3,4.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2025,urban,female,47,45-54,lowest,secondary,employed_informal,1.1,1.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2025,rural,male,71,55+,fourth,primary,employed_formal,4.9,3.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2024,rural,female,73,55+,fourth,secondary,employed_informal,19.7,6.1,1,current,Nedbank,0,23,0.0,none,0,0,0,low_burden |
| Malawi,2025,rural,female,42,35-44,second,none,self_employed,2.2,4.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2021,rural,female,44,35-44,second,tertiary,student,47.8,2.0,1,savings,Awash Bank,0,6,0.0,none,0,1,1,low_burden |
| South Africa,2018,urban,female,30,25-34,second,none,employed_formal,8.0,0.4,1,savings,Capitec,2,0,1038.82,none,0,0,0,low_burden |
| Senegal,2021,urban,female,62,55+,second,tertiary,self_employed,0.1,0.1,1,current,CBAO,0,18,0.0,none,0,1,0,low_burden |
| Rwanda,2023,urban,male,71,55+,middle,none,self_employed,6.2,0.0,1,current,Bank of Kigali,3,0,517.64,none,0,0,1,low_burden |
| Tanzania,2024,rural,female,55,45-54,fourth,secondary,employed_formal,3.9,2.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2021,rural,female,29,25-34,highest,none,employed_informal,29.6,6.0,1,savings,Ecobank,1,0,890.86,none,0,0,0,low_burden |
| Nigeria,2020,urban,female,47,45-54,lowest,secondary,employed_informal,5.5,0.8,1,savings,GTBank,1,0,557.85,none,0,0,1,low_burden |
| Ghana,2021,urban,male,63,55+,fourth,secondary,self_employed,0.3,1.0,1,current,Stanbic,1,0,1046.98,none,0,0,0,low_burden |
| Nigeria,2024,rural,male,20,18-24,second,none,employed_informal,14.9,5.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2018,rural,female,51,45-54,fourth,secondary,employed_formal,12.8,23.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2020,urban,female,55,45-54,lowest,none,employed_informal,0.9,2.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2019,urban,male,48,45-54,middle,secondary,unemployed,0.1,1.6,1,savings,Bank of Kigali,2,0,551.93,none,0,0,0,low_burden |
| South Africa,2024,urban,male,54,45-54,middle,primary,unemployed,1.9,2.0,1,current,Capitec,2,0,468.96,none,1,0,1,low_burden |
| Mali,2021,urban,female,69,55+,second,secondary,employed_informal,1.7,0.4,1,current,BMCD,0,7,0.0,none,0,1,1,low_burden |
| Malawi,2018,urban,female,25,18-24,highest,tertiary,self_employed,0.1,0.5,1,savings,FDH Bank,2,0,1776.91,none,0,1,0,low_burden |
| Kenya,2020,urban,male,50,45-54,lowest,primary,student,1.0,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2018,rural,male,63,55+,lowest,secondary,employed_informal,15.5,6.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2021,rural,male,64,55+,middle,tertiary,employed_formal,46.6,8.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Niger,2025,urban,male,44,35-44,middle,secondary,employed_formal,0.1,5.0,1,savings,Sonibank,1,0,237.26,none,0,0,1,low_burden |
| Niger,2022,rural,female,74,55+,second,primary,employed_informal,14.8,13.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2024,rural,female,36,35-44,second,primary,unemployed,12.0,12.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2023,rural,female,43,35-44,lowest,primary,unemployed,3.4,5.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2025,rural,female,64,55+,highest,primary,self_employed,3.7,6.0,1,savings,Zenith Bank,4,0,1468.83,none,0,0,1,low_burden |
| Ghana,2020,urban,male,43,35-44,middle,primary,employed_informal,2.3,0.2,1,current,Absa,1,0,396.3,none,1,0,0,low_burden |
| DRC,2025,rural,male,37,35-44,lowest,secondary,unemployed,0.8,6.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2019,rural,male,49,45-54,second,secondary,employed_informal,29.4,6.8,1,salary_account,Absa,1,0,421.15,none,0,0,0,low_burden |
| Ghana,2021,rural,male,53,45-54,highest,secondary,employed_formal,7.1,0.3,1,salary_account,Stanbic,2,0,3830.76,none,0,1,0,low_burden |
| Mozambique,2023,urban,female,73,55+,highest,none,employed_formal,3.6,5.8,1,fixed_deposit,Moza Banco,0,9,0.0,none,0,1,0,low_burden |
| Mozambique,2020,urban,male,53,45-54,lowest,none,unemployed,4.1,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2020,urban,female,28,25-34,middle,secondary,unemployed,1.1,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2019,rural,male,21,18-24,lowest,secondary,self_employed,17.7,0.6,1,current,Zenith Bank,2,0,376.33,none,0,1,0,low_burden |
| Tanzania,2018,rural,male,73,55+,lowest,tertiary,unemployed,1.0,7.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2022,urban,male,42,35-44,highest,secondary,employed_formal,2.1,1.0,1,fixed_deposit,Ecobank,1,0,2360.49,none,0,0,0,low_burden |
| South Africa,2025,rural,female,29,25-34,highest,primary,employed_informal,25.6,5.3,1,savings,FNB,0,13,0.0,none,0,1,0,low_burden |
| DRC,2019,urban,female,30,25-34,lowest,secondary,unemployed,3.4,0.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2021,urban,female,24,18-24,highest,secondary,student,2.0,0.7,1,salary_account,National Bank,0,18,0.0,none,0,0,0,low_burden |
| Ghana,2025,rural,male,29,25-34,fourth,none,self_employed,14.6,0.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2024,rural,female,62,55+,fourth,secondary,employed_formal,0.7,9.6,1,savings,Capitec,0,21,0.0,none,0,1,0,low_burden |
| Tanzania,2018,rural,female,55,45-54,fourth,primary,student,41.7,16.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2022,rural,male,52,45-54,middle,primary,employed_informal,16.7,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2019,rural,male,18,18-24,highest,none,employed_informal,5.6,1.6,1,current,Capitec,0,16,0.0,none,0,0,1,low_burden |
| Senegal,2019,rural,male,56,55+,lowest,secondary,employed_formal,43.3,2.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2019,urban,male,73,55+,middle,secondary,employed_formal,7.6,1.8,1,savings,Absa,1,0,118.97,none,0,0,1,low_burden |
| Kenya,2022,rural,female,70,55+,second,primary,self_employed,47.2,1.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2019,rural,male,40,35-44,fourth,secondary,self_employed,9.8,9.2,1,savings,National Bank,2,0,549.92,none,0,0,0,low_burden |
| South Africa,2020,urban,female,52,45-54,lowest,secondary,employed_informal,0.1,1.7,1,savings,Absa,0,15,0.0,none,1,0,1,low_burden |
| Malawi,2019,urban,female,35,25-34,second,primary,employed_informal,1.3,2.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Niger,2020,urban,male,68,55+,fourth,none,self_employed,3.6,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2023,urban,female,70,55+,second,primary,self_employed,7.1,3.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Mali,2021,rural,male,30,25-34,lowest,none,employed_informal,7.5,3.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2020,urban,female,45,35-44,second,tertiary,employed_informal,1.0,0.1,1,savings,BMCD,0,21,0.0,none,0,1,0,low_burden |
| Rwanda,2022,rural,male,31,25-34,fourth,secondary,unemployed,23.2,6.7,1,current,Ecobank,3,0,181.28,none,0,0,0,low_burden |
| Mali,2022,urban,male,53,45-54,second,none,student,1.4,5.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,urban,male,34,25-34,second,secondary,employed_informal,0.9,0.2,1,salary_account,Société Générale,0,15,0.0,none,0,1,1,low_burden |
| Ethiopia,2025,urban,female,57,55+,middle,primary,unemployed,1.2,2.3,1,fixed_deposit,Awash Bank,3,0,1122.57,none,0,1,0,low_burden |
| Mali,2025,urban,female,73,55+,highest,none,unemployed,4.4,0.4,1,savings,Ecobank,0,3,0.0,none,0,1,0,low_burden |
| DRC,2022,rural,female,67,55+,fourth,primary,employed_formal,8.0,4.3,1,current,Rawbank,3,0,707.2,none,0,1,0,low_burden |
| DRC,2022,urban,male,28,25-34,lowest,none,student,0.5,1.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2023,urban,female,25,18-24,highest,primary,self_employed,0.7,0.1,1,savings,Stanbic,2,0,1394.0,none,0,0,0,low_burden |
| Niger,2021,urban,male,64,55+,fourth,primary,self_employed,1.7,2.2,1,savings,Ecobank,0,2,0.0,none,1,0,0,low_burden |
| Kenya,2020,urban,female,22,18-24,fourth,primary,self_employed,6.8,2.8,1,salary_account,Stanbic,1,0,449.95,none,0,0,1,low_burden |
| Senegal,2020,rural,female,40,35-44,middle,primary,employed_informal,1.4,4.0,1,savings,Société Générale,1,0,1298.48,none,0,0,0,low_burden |
| Senegal,2019,rural,female,74,55+,lowest,secondary,unemployed,36.8,3.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2024,urban,male,43,35-44,fourth,primary,unemployed,7.0,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2020,rural,female,18,18-24,middle,primary,employed_formal,0.5,10.4,1,fixed_deposit,Standard Bank,0,13,0.0,none,1,0,0,low_burden |
| Mozambique,2020,rural,female,73,55+,second,primary,self_employed,3.4,15.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2025,rural,male,58,55+,lowest,tertiary,student,10.9,10.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2022,rural,female,36,35-44,lowest,none,unemployed,6.3,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2022,urban,male,52,45-54,middle,secondary,self_employed,6.4,0.2,1,savings,GCB,1,0,512.39,none,1,0,0,low_burden |
| Mozambique,2019,rural,female,52,45-54,lowest,primary,employed_informal,0.9,11.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2020,rural,female,49,45-54,middle,primary,employed_informal,8.3,5.0,1,salary_account,Stanbic,2,0,431.08,none,0,1,0,low_burden |
| Niger,2023,rural,female,72,55+,fourth,secondary,employed_informal,12.2,11.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2021,rural,male,62,55+,second,secondary,unemployed,14.1,17.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2019,rural,male,32,25-34,lowest,tertiary,unemployed,17.7,10.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2024,urban,female,74,55+,lowest,primary,student,0.8,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2021,rural,male,72,55+,second,primary,employed_formal,14.2,11.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2023,rural,female,20,18-24,fourth,secondary,student,35.9,17.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2020,rural,male,34,25-34,middle,primary,student,23.6,2.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2022,rural,female,53,45-54,highest,secondary,self_employed,10.5,1.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2024,rural,male,68,55+,highest,secondary,unemployed,1.4,1.7,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Ethiopia,2025,rural,male,58,55+,lowest,primary,self_employed,4.9,34.1,1,current,Dashen Bank,2,0,192.1,none,0,1,0,low_burden |
| Ghana,2019,rural,male,50,45-54,fourth,secondary,employed_informal,48.1,4.9,1,savings,GCB,0,1,0.0,none,0,0,1,low_burden |
| Nigeria,2023,urban,male,35,25-34,second,none,employed_informal,1.6,0.8,1,savings,First Bank,2,0,372.19,none,0,1,0,low_burden |
| Nigeria,2025,rural,male,23,18-24,middle,none,employed_formal,4.5,17.1,1,savings,GTBank,1,0,424.13,none,0,1,1,low_burden |
| Nigeria,2023,rural,male,68,55+,second,tertiary,employed_formal,1.9,0.4,1,savings,Access Bank,0,17,0.0,none,0,0,0,low_burden |
| Senegal,2019,rural,female,48,45-54,second,none,unemployed,10.7,6.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2019,urban,male,44,35-44,fourth,primary,employed_informal,1.8,0.6,1,current,National Bank,0,19,0.0,none,0,1,0,low_burden |
| Malawi,2019,rural,female,73,55+,middle,secondary,employed_formal,20.5,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2018,rural,female,27,25-34,second,primary,employed_formal,9.3,8.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2024,rural,female,32,25-34,lowest,none,self_employed,15.9,7.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2025,urban,male,66,55+,middle,primary,student,5.2,2.6,1,current,BCDC,1,0,1297.11,none,0,1,0,low_burden |
| Zambia,2022,rural,male,34,25-34,fourth,primary,employed_informal,3.1,9.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2022,urban,male,71,55+,middle,primary,unemployed,1.7,0.4,1,savings,Ecobank,0,24,0.0,none,0,1,0,low_burden |
| Mali,2024,urban,female,66,55+,lowest,secondary,student,2.1,4.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2021,rural,female,23,18-24,second,primary,unemployed,4.0,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2021,rural,male,44,35-44,fourth,tertiary,unemployed,6.8,5.7,1,savings,UBA,0,1,0.0,none,1,1,0,low_burden |
| South Africa,2022,urban,male,60,55+,fourth,primary,self_employed,0.9,0.9,1,savings,Capitec,1,0,2121.08,none,0,1,0,low_burden |
| Nigeria,2020,rural,male,45,35-44,lowest,primary,student,1.9,2.9,1,current,Access Bank,4,0,187.35,none,0,1,1,low_burden |
| Malawi,2018,rural,male,30,25-34,middle,tertiary,employed_informal,13.8,9.1,1,savings,FDH Bank,2,0,253.58,none,0,0,0,low_burden |
| Rwanda,2022,urban,female,20,18-24,second,secondary,unemployed,11.9,0.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2024,urban,male,18,18-24,middle,primary,employed_informal,3.9,0.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2018,rural,male,28,25-34,lowest,primary,employed_informal,13.9,9.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2019,rural,male,32,25-34,middle,secondary,unemployed,6.7,9.7,1,current,Millennium BIM,4,0,613.66,none,0,0,0,low_burden |
| Uganda,2020,urban,male,35,25-34,highest,none,unemployed,12.8,0.3,1,current,Centenary,0,15,0.0,none,0,1,0,low_burden |
| Ghana,2024,rural,male,66,55+,second,primary,unemployed,33.1,32.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2022,rural,male,46,45-54,second,secondary,student,0.9,4.2,1,savings,Capitec,3,0,196.71,none,1,1,0,low_burden |
| Niger,2022,rural,male,26,25-34,lowest,secondary,unemployed,13.8,4.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2023,rural,male,22,18-24,lowest,secondary,self_employed,2.6,6.6,1,savings,Centenary,0,23,0.0,none,0,0,0,low_burden |
| Mali,2020,urban,female,25,18-24,highest,primary,student,4.4,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2023,urban,female,35,25-34,highest,tertiary,employed_informal,7.3,1.5,1,savings,Capitec,0,4,0.0,none,0,0,0,low_burden |
| Uganda,2018,urban,male,60,55+,lowest,none,employed_formal,1.2,2.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2018,rural,female,20,18-24,highest,secondary,self_employed,4.6,5.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2024,rural,male,41,35-44,lowest,none,self_employed,1.2,21.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2023,rural,female,43,35-44,middle,secondary,self_employed,4.1,0.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2019,urban,female,26,25-34,fourth,secondary,unemployed,1.0,2.8,1,salary_account,Absa,0,19,0.0,none,0,0,0,low_burden |
| Nigeria,2021,rural,male,21,18-24,second,primary,employed_formal,13.2,13.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2018,urban,male,31,25-34,middle,secondary,unemployed,1.8,0.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2023,urban,female,26,25-34,middle,tertiary,self_employed,5.0,2.4,1,savings,NBS Bank,1,0,1479.65,none,1,0,0,low_burden |
| Malawi,2024,urban,male,63,55+,lowest,primary,student,4.9,0.8,1,savings,NBS Bank,0,24,0.0,none,0,1,0,low_burden |
| Ghana,2020,rural,male,70,55+,highest,none,employed_informal,41.6,1.9,1,current,GCB,2,0,5511.69,none,0,1,0,low_burden |
| Tanzania,2020,urban,female,53,45-54,lowest,none,self_employed,2.7,4.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2019,rural,female,61,55+,lowest,secondary,unemployed,36.3,0.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2021,rural,female,61,55+,highest,secondary,self_employed,11.9,0.3,1,savings,Coris Bank,2,0,2791.91,none,0,1,0,low_burden |
| Ghana,2020,rural,female,68,55+,second,primary,employed_informal,20.2,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2019,urban,female,23,18-24,second,primary,employed_formal,2.5,0.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2021,rural,female,74,55+,second,secondary,employed_formal,3.6,17.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2024,rural,female,44,35-44,lowest,primary,self_employed,28.1,10.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2024,rural,female,48,45-54,second,none,self_employed,5.2,8.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2020,rural,female,63,55+,second,primary,self_employed,14.8,3.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2025,rural,female,46,45-54,middle,secondary,unemployed,4.3,6.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2019,rural,female,33,25-34,second,tertiary,employed_formal,15.3,5.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2025,rural,female,19,18-24,highest,secondary,employed_formal,5.4,1.4,1,savings,KCB,1,0,620.06,none,1,1,0,low_burden |
| Ghana,2020,rural,female,27,25-34,highest,primary,unemployed,16.6,18.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2022,urban,male,22,18-24,second,secondary,unemployed,0.8,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,rural,female,39,35-44,highest,primary,unemployed,3.6,8.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2024,urban,male,62,55+,highest,tertiary,unemployed,4.1,0.8,1,savings,Cooperative Bank,2,0,1080.99,none,0,0,0,low_burden |
| South Africa,2020,urban,male,37,35-44,highest,primary,student,4.4,0.7,1,savings,FNB,0,2,0.0,none,0,1,0,low_burden |
| Zambia,2024,urban,male,52,45-54,fourth,tertiary,student,3.2,0.6,1,current,Stanbic,0,12,0.0,none,0,1,1,low_burden |
| Malawi,2018,urban,female,28,25-34,lowest,tertiary,self_employed,4.7,1.2,1,fixed_deposit,FDH Bank,0,2,0.0,none,0,0,1,low_burden |
| Mozambique,2022,urban,female,51,45-54,lowest,tertiary,employed_informal,4.6,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2019,rural,male,72,55+,highest,none,employed_formal,4.0,2.3,1,salary_account,Ecobank,0,12,0.0,none,0,0,0,low_burden |
| Malawi,2025,urban,male,35,25-34,middle,secondary,self_employed,2.4,1.3,1,savings,FDH Bank,0,21,0.0,none,1,1,0,low_burden |
| DRC,2021,urban,male,45,35-44,highest,secondary,self_employed,2.8,1.4,1,savings,BCDC,0,7,0.0,none,0,1,0,low_burden |
| Rwanda,2023,rural,male,72,55+,fourth,primary,employed_formal,32.9,5.0,1,savings,Equity Bank,1,0,663.91,none,0,0,0,low_burden |
| Ethiopia,2025,rural,male,52,45-54,lowest,primary,employed_informal,15.5,1.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2022,rural,female,40,35-44,second,secondary,student,6.8,13.3,1,savings,Stanbic,3,0,161.75,none,0,1,0,low_burden |
| Kenya,2018,urban,male,24,18-24,highest,tertiary,employed_formal,2.9,0.1,1,current,Equity Bank,3,0,1231.93,none,0,0,1,low_burden |
| Uganda,2019,urban,male,71,55+,lowest,secondary,unemployed,10.5,3.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2019,urban,male,52,45-54,fourth,primary,student,4.6,0.6,1,savings,Zenith Bank,4,0,939.11,none,0,1,1,low_burden |
| Mali,2025,urban,female,21,18-24,highest,secondary,unemployed,13.8,1.9,1,savings,Coris Bank,0,20,0.0,none,0,1,0,low_burden |
| Rwanda,2025,rural,female,49,45-54,lowest,primary,employed_formal,10.8,6.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2021,rural,male,73,55+,second,primary,unemployed,1.6,0.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2025,urban,male,71,55+,middle,secondary,self_employed,4.9,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,rural,female,29,25-34,fourth,secondary,employed_informal,14.2,16.5,1,savings,First Bank,0,20,0.0,none,0,0,0,low_burden |
| Ghana,2023,rural,male,41,35-44,middle,secondary,self_employed,16.5,2.4,1,savings,Ecobank,2,0,721.02,none,0,0,0,low_burden |
| Ethiopia,2021,urban,female,74,55+,lowest,secondary,employed_formal,2.2,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2019,rural,female,62,55+,lowest,primary,unemployed,12.5,1.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2020,urban,female,49,45-54,second,secondary,student,4.8,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2021,rural,female,35,25-34,second,none,self_employed,11.3,6.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2020,urban,male,61,55+,lowest,tertiary,student,2.0,0.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| DRC,2019,rural,male,50,45-54,fourth,tertiary,self_employed,6.4,14.0,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Uganda,2020,urban,male,47,45-54,lowest,tertiary,unemployed,0.5,1.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2019,rural,male,70,55+,fourth,tertiary,unemployed,1.6,1.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2025,rural,male,39,35-44,highest,secondary,employed_formal,31.8,4.4,1,current,First National Bank,2,0,4399.68,none,0,0,0,low_burden |
| Kenya,2021,rural,male,53,45-54,middle,primary,student,0.5,13.6,1,salary_account,NCBA,0,1,0.0,none,0,0,0,low_burden |
| DRC,2018,urban,female,20,18-24,middle,secondary,student,1.9,0.1,1,current,Equity BCDC,2,0,464.92,none,0,1,0,low_burden |
| Mozambique,2022,rural,male,58,55+,lowest,primary,employed_informal,18.6,2.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2025,rural,female,49,45-54,middle,secondary,unemployed,17.7,6.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Tanzania,2020,urban,male,67,55+,second,primary,employed_informal,4.7,1.8,1,savings,Absa,4,0,249.44,none,0,0,0,low_burden |
| Uganda,2024,rural,male,36,35-44,lowest,tertiary,employed_formal,4.8,2.2,1,savings,DFCU,1,0,62.11,none,0,1,0,low_burden |
| Rwanda,2022,urban,male,70,55+,middle,secondary,employed_informal,0.5,1.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2023,urban,female,50,45-54,lowest,secondary,self_employed,2.2,0.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2020,rural,female,29,25-34,second,primary,employed_formal,16.2,3.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Rwanda,2018,urban,female,27,25-34,middle,secondary,employed_informal,1.3,0.8,1,current,Ecobank,4,0,624.73,none,0,1,0,low_burden |
| Uganda,2020,rural,male,29,25-34,second,tertiary,student,12.3,4.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2025,urban,male,35,25-34,lowest,primary,self_employed,0.3,0.1,1,fixed_deposit,DFCU,0,13,0.0,none,0,1,0,low_burden |
| Mali,2024,urban,female,49,45-54,lowest,primary,unemployed,0.3,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2024,urban,male,67,55+,second,none,employed_informal,8.2,2.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2025,urban,male,74,55+,middle,secondary,employed_formal,0.3,2.9,1,current,Standard Bank,1,0,329.44,none,0,1,0,low_burden |
| Uganda,2020,rural,male,56,55+,middle,secondary,unemployed,2.6,9.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2020,rural,male,45,35-44,lowest,secondary,employed_informal,36.9,0.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2025,rural,male,52,45-54,middle,none,self_employed,1.4,0.9,1,savings,Absa,0,7,0.0,none,0,1,0,low_burden |
| Malawi,2022,urban,male,36,35-44,highest,none,student,5.0,0.8,1,current,NBS Bank,2,0,1330.04,none,0,0,0,low_burden |
| Kenya,2020,rural,female,31,25-34,middle,tertiary,employed_informal,1.5,5.6,1,savings,Stanbic,0,24,0.0,none,0,1,0,low_burden |
| Mozambique,2020,urban,female,48,45-54,middle,secondary,self_employed,3.7,3.8,1,savings,Millennium BIM,1,0,301.08,none,0,0,1,low_burden |
| Nigeria,2025,urban,male,65,55+,middle,none,self_employed,0.3,0.6,1,salary_account,UBA,0,17,0.0,none,0,1,1,low_burden |
| Zambia,2018,rural,male,21,18-24,highest,none,employed_formal,44.7,0.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2018,rural,female,24,18-24,highest,none,unemployed,9.2,27.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2023,rural,male,28,25-34,lowest,secondary,self_employed,1.6,9.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2018,rural,female,29,25-34,lowest,secondary,employed_informal,3.0,10.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2019,rural,male,26,25-34,lowest,secondary,self_employed,9.3,11.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2025,urban,female,25,18-24,fourth,secondary,self_employed,0.9,0.9,1,salary_account,First Bank,1,0,507.76,none,0,0,1,low_burden |
| Mali,2021,urban,female,19,18-24,lowest,tertiary,self_employed,0.8,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,urban,male,37,35-44,highest,primary,student,0.5,0.4,1,savings,I&M Bank,2,0,2791.93,none,0,0,0,low_burden |
| Tanzania,2021,rural,female,59,55+,lowest,primary,unemployed,6.9,1.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Malawi,2018,rural,female,26,25-34,middle,primary,employed_informal,8.9,40.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2019,rural,female,36,35-44,second,tertiary,student,1.0,1.5,1,current,DFCU,1,0,303.35,none,0,1,0,low_burden |
| South Africa,2024,urban,male,73,55+,middle,secondary,unemployed,5.7,0.9,1,savings,Standard Bank,1,0,1652.55,none,0,0,0,low_burden |
| Ghana,2018,rural,male,27,25-34,second,secondary,employed_formal,42.5,6.5,1,savings,Absa,4,0,129.81,none,0,0,0,low_burden |
| Tanzania,2022,rural,male,74,55+,fourth,secondary,employed_formal,11.9,7.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2020,rural,female,47,45-54,middle,none,employed_informal,15.3,16.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2020,rural,male,59,55+,second,primary,employed_formal,0.8,5.5,1,fixed_deposit,Ecobank,3,0,863.46,none,0,0,0,low_burden |
| Zambia,2025,urban,male,36,35-44,fourth,secondary,self_employed,2.8,5.3,1,fixed_deposit,Stanbic,4,0,526.44,none,0,0,0,low_burden |
| Zambia,2022,urban,female,36,35-44,highest,tertiary,employed_informal,0.3,1.7,1,savings,Absa,0,13,0.0,none,0,1,1,low_burden |
| Senegal,2022,rural,male,40,35-44,fourth,none,student,5.0,4.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2020,rural,female,25,18-24,fourth,primary,self_employed,30.6,3.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2021,urban,male,35,25-34,middle,tertiary,employed_informal,1.3,2.7,1,current,Commercial Bank of Ethiopia,1,0,453.25,none,1,0,0,low_burden |
| DRC,2023,urban,female,68,55+,highest,secondary,student,1.0,5.4,1,savings,FBNBank,2,0,2336.06,none,0,0,0,low_burden |
| Mali,2018,urban,male,18,18-24,middle,secondary,self_employed,0.3,2.6,1,savings,BDM,4,0,1077.01,none,0,1,0,low_burden |
| South Africa,2019,rural,male,50,45-54,highest,primary,employed_formal,7.2,1.6,1,salary_account,Standard Bank,0,16,0.0,none,0,0,0,low_burden |
| Mozambique,2022,urban,female,57,55+,fourth,primary,employed_formal,0.5,1.1,1,current,BCI,4,0,1832.56,none,0,1,1,low_burden |
| Mali,2022,urban,male,26,25-34,lowest,primary,self_employed,0.1,2.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2018,rural,male,24,18-24,lowest,primary,self_employed,7.4,2.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2024,rural,male,49,45-54,fourth,secondary,self_employed,11.0,1.9,1,current,BDM,1,0,1804.33,none,0,0,1,low_burden |
| Mali,2022,urban,female,30,25-34,fourth,secondary,unemployed,7.6,0.3,1,savings,BDM,2,0,661.5,none,0,1,0,low_burden |
| Tanzania,2019,urban,male,73,55+,middle,secondary,unemployed,0.9,0.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Niger,2024,urban,male,28,25-34,highest,none,unemployed,3.5,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2025,urban,male,25,18-24,middle,primary,unemployed,3.2,1.0,1,current,GCB,1,0,2020.71,none,0,0,1,low_burden |
| Zambia,2021,urban,male,36,35-44,second,secondary,self_employed,1.2,0.0,1,salary_account,First National Bank,1,0,519.59,none,0,0,0,low_burden |
| Mali,2020,urban,female,36,35-44,middle,none,employed_formal,9.9,0.3,1,savings,Coris Bank,0,5,0.0,none,0,1,1,low_burden |
| Nigeria,2020,rural,male,27,25-34,lowest,none,self_employed,66.2,0.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2022,rural,female,55,45-54,middle,primary,self_employed,16.9,14.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2018,rural,female,37,35-44,highest,primary,self_employed,2.7,13.0,1,savings,Ecobank,0,13,0.0,none,0,0,1,low_burden |
| Malawi,2021,urban,female,48,45-54,lowest,none,employed_informal,1.9,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2018,urban,female,31,25-34,fourth,primary,self_employed,4.6,1.7,1,savings,Absa,2,0,74.22,none,0,1,0,low_burden |
| Kenya,2018,rural,male,23,18-24,fourth,tertiary,employed_informal,0.3,6.7,1,savings,Stanbic,2,0,819.41,none,0,0,0,low_burden |
| Niger,2021,rural,female,21,18-24,lowest,none,self_employed,12.8,1.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2023,rural,female,21,18-24,fourth,secondary,employed_informal,5.0,11.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2025,urban,female,67,55+,fourth,secondary,student,3.5,0.6,1,savings,Standard Bank,1,0,588.36,none,0,1,1,low_burden |
| Nigeria,2018,urban,male,33,25-34,middle,secondary,employed_informal,1.1,4.9,1,current,Zenith Bank,2,0,376.8,none,0,1,0,low_burden |
| South Africa,2019,rural,male,35,25-34,lowest,secondary,unemployed,19.5,0.5,1,savings,Nedbank,1,0,296.38,none,0,0,0,low_burden |
| Ethiopia,2021,rural,female,51,45-54,second,none,self_employed,15.8,7.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ethiopia,2022,urban,male,23,18-24,middle,none,employed_informal,1.2,1.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2025,rural,female,52,45-54,lowest,secondary,unemployed,2.5,1.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Rwanda,2023,rural,male,47,45-54,second,tertiary,student,17.7,13.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2022,rural,female,63,55+,highest,primary,unemployed,10.4,1.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2018,urban,male,25,18-24,fourth,primary,student,6.3,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2018,rural,male,18,18-24,fourth,tertiary,self_employed,17.7,11.0,1,salary_account,Equity Bank,0,19,0.0,none,1,0,0,low_burden |
| South Africa,2019,rural,male,62,55+,highest,secondary,student,1.5,0.4,1,savings,Absa,1,0,2054.98,none,0,1,0,low_burden |
| Ghana,2023,urban,female,39,35-44,lowest,secondary,unemployed,7.9,2.3,1,fixed_deposit,Fidelity,1,0,103.7,none,0,0,1,low_burden |
| Uganda,2020,rural,female,21,18-24,lowest,secondary,unemployed,29.7,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2019,rural,female,49,45-54,middle,tertiary,unemployed,30.9,6.4,1,salary_account,CBAO,1,0,1611.67,none,0,0,1,low_burden |
| Malawi,2023,rural,female,44,35-44,second,secondary,unemployed,22.8,25.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Rwanda,2024,urban,female,72,55+,lowest,secondary,self_employed,0.2,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2021,rural,female,71,55+,fourth,secondary,self_employed,2.1,18.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2025,rural,female,48,45-54,lowest,primary,employed_informal,29.3,2.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2023,urban,female,27,25-34,middle,tertiary,self_employed,0.7,0.2,1,savings,NBC,3,0,173.21,none,0,1,0,low_burden |
| Zambia,2023,urban,female,60,55+,middle,tertiary,employed_informal,2.6,0.2,1,savings,Zanaco,4,0,164.1,none,0,1,0,low_burden |
| Mali,2024,urban,male,29,25-34,middle,secondary,unemployed,1.3,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2019,urban,female,65,55+,second,primary,self_employed,0.3,4.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2024,rural,male,52,45-54,lowest,secondary,employed_informal,15.0,2.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2025,rural,male,38,35-44,highest,primary,employed_formal,33.2,0.8,1,salary_account,Ecobank,1,0,674.35,none,0,0,0,low_burden |
| South Africa,2025,urban,female,73,55+,highest,secondary,employed_informal,0.4,3.0,1,savings,Nedbank,1,0,2293.97,none,0,0,0,low_burden |
| Zambia,2022,rural,female,47,45-54,middle,none,self_employed,3.3,7.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2024,urban,male,39,35-44,lowest,secondary,employed_informal,1.6,3.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2025,rural,male,28,25-34,middle,tertiary,employed_formal,2.4,10.1,1,savings,BMCD,2,0,649.71,none,0,0,1,low_burden |
| Tanzania,2024,rural,female,54,45-54,second,none,employed_informal,1.1,3.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2025,rural,male,33,25-34,lowest,secondary,employed_informal,16.5,5.4,1,savings,Ecobank,0,23,0.0,none,0,0,0,low_burden |
| Mali,2024,rural,male,26,25-34,lowest,tertiary,employed_informal,37.3,3.3,1,savings,BDM,1,0,93.01,none,0,0,0,low_burden |
| Ghana,2021,rural,female,24,18-24,lowest,none,employed_informal,21.7,1.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2023,urban,female,54,45-54,second,primary,unemployed,8.1,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2021,urban,female,70,55+,second,primary,unemployed,2.1,0.2,1,current,Ecobank,4,0,201.64,none,1,1,0,low_burden |
| Rwanda,2024,rural,female,32,25-34,fourth,secondary,student,37.5,5.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2024,urban,male,30,25-34,middle,primary,employed_formal,2.7,0.1,1,current,Stanbic,3,0,482.67,none,0,1,0,low_burden |
| Rwanda,2025,urban,male,52,45-54,second,none,employed_informal,2.7,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2022,urban,female,26,25-34,lowest,primary,employed_formal,1.2,0.4,1,salary_account,Nedbank,4,0,75.78,none,0,0,0,low_burden |
| DRC,2021,rural,female,23,18-24,highest,primary,self_employed,3.1,5.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2019,rural,male,54,45-54,lowest,none,employed_formal,13.9,1.3,1,current,FNB,0,4,0.0,none,0,1,0,low_burden |
| Kenya,2023,rural,male,47,45-54,lowest,secondary,employed_informal,5.6,8.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2022,rural,male,19,18-24,middle,none,self_employed,17.5,7.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Ghana,2022,urban,male,31,25-34,fourth,secondary,employed_informal,0.4,0.6,1,savings,Ecobank,1,0,1512.51,none,0,0,0,low_burden |
| Mozambique,2023,urban,male,29,25-34,fourth,secondary,self_employed,5.0,2.1,1,current,BCI,2,0,2795.12,none,0,0,0,low_burden |
| Niger,2024,rural,male,56,55+,second,tertiary,self_employed,26.8,16.7,1,savings,BAK,0,22,0.0,none,0,1,0,low_burden |
| Tanzania,2019,rural,female,55,45-54,second,none,unemployed,9.6,8.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2021,urban,male,60,55+,second,secondary,employed_informal,1.8,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,rural,female,23,18-24,middle,secondary,employed_informal,29.4,1.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2024,rural,female,66,55+,second,secondary,self_employed,0.2,1.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Zambia,2024,urban,female,29,25-34,second,none,employed_formal,1.7,1.5,1,savings,First National Bank,2,0,281.63,none,0,1,1,low_burden |
| Kenya,2024,urban,female,74,55+,lowest,none,employed_formal,4.4,0.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2024,urban,male,67,55+,highest,secondary,self_employed,7.9,1.5,1,savings,Standard Bank,1,0,2121.77,none,0,1,0,low_burden |
| Ethiopia,2025,rural,male,44,35-44,lowest,primary,employed_informal,11.6,14.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2022,rural,female,62,55+,second,tertiary,employed_formal,2.5,20.7,1,savings,Equity BCDC,3,0,354.07,none,0,1,0,low_burden |
| DRC,2019,rural,male,56,55+,highest,secondary,self_employed,8.0,7.1,1,savings,Equity BCDC,1,0,4801.61,none,0,0,0,low_burden |
| Mali,2022,rural,male,62,55+,fourth,secondary,unemployed,13.8,2.2,1,savings,BMCD,1,0,3772.41,none,0,1,0,low_burden |
| Kenya,2023,rural,male,19,18-24,middle,tertiary,employed_formal,0.9,19.6,1,savings,Stanbic,3,0,363.83,none,0,1,0,low_burden |
| DRC,2018,urban,female,22,18-24,middle,secondary,self_employed,4.6,0.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2024,rural,male,69,55+,lowest,none,student,9.6,6.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Malawi,2022,rural,female,62,55+,fourth,none,employed_informal,82.5,3.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2025,rural,male,53,45-54,second,secondary,unemployed,29.2,11.0,1,fixed_deposit,Capitec,2,0,333.17,none,0,0,0,low_burden |
| Mozambique,2019,urban,female,35,25-34,highest,primary,employed_informal,3.1,0.5,1,savings,Moza Banco,1,0,3195.1,none,0,0,0,low_burden |
| Kenya,2025,rural,male,42,35-44,lowest,tertiary,student,14.9,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2021,rural,female,40,35-44,middle,none,employed_formal,12.3,13.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2022,urban,female,42,35-44,middle,primary,employed_informal,0.3,1.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2023,urban,male,53,45-54,lowest,secondary,student,0.9,0.8,1,salary_account,Ecobank,4,0,234.81,none,0,0,0,low_burden |
| Ghana,2022,urban,male,61,55+,second,secondary,self_employed,0.9,0.1,1,salary_account,GCB,2,0,156.56,none,0,0,1,low_burden |
| Zambia,2025,rural,female,39,35-44,fourth,tertiary,employed_informal,12.3,15.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2019,rural,female,65,55+,lowest,none,unemployed,1.4,18.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2023,urban,male,23,18-24,highest,primary,unemployed,3.4,0.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2025,rural,male,64,55+,second,secondary,self_employed,14.7,0.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2019,urban,male,56,55+,middle,tertiary,employed_informal,1.0,4.8,1,fixed_deposit,BMCD,2,0,113.93,none,0,0,0,low_burden |
| Mozambique,2020,rural,male,47,45-54,middle,primary,employed_informal,3.5,0.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2021,urban,male,39,35-44,middle,secondary,student,3.1,1.3,1,savings,CRDB,1,0,300.39,none,0,0,0,low_burden |
| Ghana,2023,rural,male,39,35-44,middle,none,employed_informal,2.7,7.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2025,rural,male,38,35-44,fourth,secondary,employed_informal,9.5,5.7,1,savings,BHS,3,0,1038.16,none,0,1,0,low_burden |
| Zambia,2024,urban,female,71,55+,middle,none,employed_formal,6.0,1.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2024,rural,female,19,18-24,middle,tertiary,employed_formal,22.8,8.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2021,rural,female,54,45-54,middle,none,self_employed,8.0,10.4,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2023,rural,female,74,55+,second,secondary,employed_informal,5.4,9.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2019,rural,female,48,45-54,lowest,secondary,employed_formal,24.3,1.8,1,savings,Absa,2,0,130.02,none,1,0,0,low_burden |
| Mali,2021,rural,male,54,45-54,lowest,primary,employed_formal,4.3,8.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2019,rural,female,52,45-54,middle,primary,employed_formal,0.1,2.7,1,savings,Absa,2,0,208.33,none,1,0,0,low_burden |
| Malawi,2018,urban,male,46,45-54,highest,secondary,employed_formal,2.2,3.8,1,savings,National Bank,4,0,1011.01,none,0,1,0,low_burden |
| Kenya,2024,rural,female,53,45-54,lowest,secondary,employed_informal,6.6,43.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2024,urban,female,69,55+,middle,secondary,unemployed,0.7,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2022,urban,female,58,55+,second,secondary,employed_formal,0.1,1.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2018,urban,male,66,55+,middle,none,employed_informal,4.0,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2018,urban,female,49,45-54,fourth,tertiary,self_employed,0.9,0.0,1,savings,Orabank,1,0,3454.95,none,0,0,1,low_burden |
| Uganda,2018,rural,male,62,55+,fourth,none,unemployed,2.6,17.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,rural,male,67,55+,fourth,secondary,self_employed,4.7,10.6,1,current,Equity Bank,2,0,323.8,none,0,0,0,low_burden |
| Ethiopia,2019,rural,male,30,25-34,fourth,tertiary,student,1.1,1.1,1,current,Commercial Bank of Ethiopia,3,0,620.88,none,1,1,0,low_burden |
| Mali,2020,urban,male,67,55+,lowest,tertiary,employed_informal,2.3,1.2,1,savings,BDM,0,7,0.0,none,0,0,0,low_burden |
| Mozambique,2024,rural,female,57,55+,middle,none,employed_formal,36.5,3.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2025,rural,male,43,35-44,second,primary,employed_formal,13.1,9.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2024,urban,male,62,55+,highest,secondary,employed_formal,1.5,4.2,1,savings,Centenary,2,0,1064.28,none,1,0,0,low_burden |
| Zambia,2020,rural,female,27,25-34,fourth,primary,student,34.3,2.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2022,rural,female,57,55+,lowest,secondary,self_employed,21.5,5.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2019,urban,male,50,45-54,lowest,secondary,unemployed,3.7,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2024,rural,female,68,55+,second,primary,student,46.3,18.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2018,rural,female,53,45-54,highest,primary,unemployed,0.8,12.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2023,urban,male,47,45-54,lowest,secondary,employed_informal,1.4,0.6,1,current,Stanbic,3,0,852.29,none,1,0,1,low_burden |
| Ghana,2022,rural,female,47,45-54,middle,secondary,unemployed,22.0,9.1,1,current,GCB,1,0,149.16,none,0,0,0,low_burden |
| Kenya,2024,rural,female,49,45-54,second,primary,self_employed,20.4,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2021,rural,male,68,55+,middle,none,employed_formal,49.3,2.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2019,rural,female,62,55+,middle,primary,self_employed,21.1,3.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2024,rural,male,23,18-24,lowest,secondary,student,2.7,4.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2023,rural,female,48,45-54,fourth,secondary,unemployed,59.4,7.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ethiopia,2021,rural,male,34,25-34,lowest,tertiary,employed_informal,5.0,8.4,1,current,Awash Bank,0,21,0.0,none,0,0,0,low_burden |
| South Africa,2020,rural,male,27,25-34,fourth,tertiary,unemployed,5.4,29.6,1,fixed_deposit,Nedbank,0,23,0.0,none,0,1,0,low_burden |
| Senegal,2020,rural,female,67,55+,lowest,secondary,self_employed,19.9,6.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2021,urban,female,66,55+,middle,tertiary,unemployed,7.1,0.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2020,rural,male,71,55+,second,primary,employed_informal,16.5,0.8,1,current,Access Bank,0,20,0.0,none,0,1,0,low_burden |
| Ghana,2020,rural,male,40,35-44,middle,secondary,employed_informal,5.1,6.0,1,savings,GCB,1,0,258.47,none,0,0,0,low_burden |
| South Africa,2020,rural,male,42,35-44,second,secondary,employed_informal,54.8,5.2,1,savings,Absa,2,0,342.0,none,0,0,1,low_burden |
| Nigeria,2018,rural,female,62,55+,middle,secondary,unemployed,4.3,4.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2025,rural,male,28,25-34,lowest,secondary,student,4.1,14.2,1,savings,Millennium BIM,2,0,204.04,none,0,0,0,low_burden |
| Niger,2019,urban,male,21,18-24,second,primary,employed_informal,4.8,5.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2019,urban,female,41,35-44,fourth,tertiary,employed_informal,14.1,1.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2019,urban,male,53,45-54,second,tertiary,employed_formal,0.1,0.2,1,savings,Rawbank,1,0,797.31,none,0,1,0,low_burden |
| Tanzania,2025,urban,male,44,35-44,middle,tertiary,unemployed,4.9,0.6,1,fixed_deposit,NBC,1,0,1095.11,none,0,0,1,low_burden |
| DRC,2021,rural,female,30,25-34,middle,primary,self_employed,16.0,2.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2020,urban,male,47,45-54,second,tertiary,self_employed,0.0,0.4,1,current,GTBank,2,0,185.09,none,1,1,0,low_burden |
| Tanzania,2021,urban,female,71,55+,highest,secondary,employed_formal,6.3,2.0,1,current,Absa,3,0,2069.02,none,0,0,0,low_burden |
| Ghana,2018,urban,female,33,25-34,second,secondary,employed_formal,5.6,0.8,1,savings,Stanbic,3,0,283.04,none,1,1,0,low_burden |
| Uganda,2020,rural,male,40,35-44,highest,primary,student,17.2,1.1,1,current,Equity Bank,2,0,1116.45,none,1,0,0,low_burden |
| Uganda,2019,rural,female,35,25-34,highest,secondary,self_employed,5.1,13.6,1,savings,KCB,1,0,3630.14,none,0,0,0,low_burden |
| Nigeria,2024,urban,female,34,25-34,second,secondary,employed_informal,11.9,1.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2018,urban,female,55,45-54,second,secondary,employed_informal,3.8,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2021,urban,female,39,35-44,fourth,tertiary,employed_informal,1.8,1.0,1,savings,Commercial Bank of Ethiopia,4,0,980.09,none,0,0,0,low_burden |
| Uganda,2024,urban,male,53,45-54,fourth,primary,employed_formal,6.5,0.1,1,current,Equity Bank,3,0,2863.34,none,0,0,1,low_burden |
| Kenya,2024,urban,male,19,18-24,lowest,secondary,employed_formal,4.1,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2022,urban,female,55,45-54,lowest,primary,unemployed,6.9,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2019,urban,male,24,18-24,lowest,primary,employed_informal,2.1,2.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2020,rural,male,39,35-44,fourth,primary,employed_informal,1.6,0.9,1,savings,Equity Bank,4,0,1170.2,none,0,1,0,low_burden |
| Kenya,2019,rural,female,67,55+,fourth,primary,self_employed,14.4,5.9,1,savings,NCBA,2,0,1678.98,none,0,0,0,low_burden |
| Uganda,2023,rural,male,37,35-44,lowest,primary,employed_informal,34.3,19.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2020,urban,female,57,55+,middle,none,self_employed,0.2,0.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2023,urban,female,38,35-44,fourth,none,unemployed,0.2,4.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mali,2023,rural,female,69,55+,highest,secondary,employed_informal,6.0,1.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Senegal,2025,urban,male,72,55+,lowest,primary,unemployed,0.6,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2020,rural,male,69,55+,second,none,employed_informal,3.3,9.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2025,rural,female,40,35-44,second,none,employed_informal,11.4,9.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Kenya,2021,rural,male,36,35-44,middle,primary,employed_formal,8.5,2.9,1,savings,Cooperative Bank,1,0,55.3,none,0,0,0,low_burden |
| Rwanda,2023,urban,female,52,45-54,lowest,none,unemployed,0.9,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2023,rural,female,64,55+,lowest,tertiary,employed_informal,10.7,6.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2024,urban,male,47,45-54,fourth,secondary,unemployed,3.1,1.1,1,savings,Moza Banco,1,0,859.71,none,1,1,1,low_burden |
| Tanzania,2021,urban,male,60,55+,middle,primary,employed_formal,6.0,0.8,1,savings,Stanbic,1,0,686.34,none,0,1,1,low_burden |
| Rwanda,2024,urban,female,67,55+,lowest,secondary,self_employed,0.1,0.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2020,rural,male,60,55+,second,none,employed_formal,8.6,9.6,1,current,Standard Bank,1,0,495.34,none,0,0,0,low_burden |
| Zambia,2021,rural,female,39,35-44,lowest,secondary,employed_informal,15.7,8.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2021,urban,female,32,25-34,second,tertiary,self_employed,0.0,1.5,1,savings,FNB,1,0,1122.27,none,0,1,0,low_burden |
| Niger,2023,urban,male,42,35-44,second,none,employed_formal,0.1,1.0,1,savings,BAK,4,0,534.74,none,0,1,0,low_burden |
| Malawi,2022,rural,female,50,45-54,lowest,none,employed_informal,28.5,7.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2018,rural,male,66,55+,lowest,secondary,self_employed,5.7,2.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2024,urban,male,35,25-34,highest,none,unemployed,4.8,4.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2024,urban,female,27,25-34,highest,none,unemployed,1.9,1.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2018,rural,female,35,25-34,lowest,secondary,employed_formal,24.6,20.9,1,savings,Access Bank,1,0,67.87,none,0,0,0,low_burden |
| Zambia,2025,rural,female,51,45-54,middle,secondary,employed_formal,34.5,11.7,1,savings,Stanbic,1,0,749.1,none,0,1,1,low_burden |
| Uganda,2023,rural,female,31,25-34,lowest,primary,employed_informal,69.4,0.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2018,urban,female,40,35-44,fourth,secondary,employed_informal,1.5,0.5,1,current,First Bank,2,0,1568.72,none,0,0,1,low_burden |
| Malawi,2021,urban,male,32,25-34,highest,none,employed_informal,2.6,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2024,rural,male,74,55+,middle,primary,employed_informal,37.5,15.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2020,urban,male,47,45-54,middle,secondary,employed_informal,4.2,0.4,1,fixed_deposit,Coris Bank,1,0,299.01,none,0,1,0,low_burden |
| Ghana,2025,rural,male,59,55+,second,secondary,self_employed,60.2,4.7,1,current,Fidelity,0,24,0.0,none,1,1,0,low_burden |
| Malawi,2021,urban,male,47,45-54,lowest,secondary,employed_formal,3.5,0.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2019,rural,female,18,18-24,middle,secondary,employed_informal,1.6,9.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2020,rural,male,33,25-34,lowest,secondary,employed_informal,21.2,9.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2022,rural,female,65,55+,fourth,tertiary,employed_informal,1.6,3.8,1,current,Ecobank,2,0,577.94,none,0,1,1,low_burden |
| Mali,2023,rural,female,47,45-54,middle,secondary,unemployed,1.4,0.6,1,current,Coris Bank,1,0,914.95,none,0,0,0,low_burden |
| DRC,2025,rural,female,58,55+,lowest,primary,employed_informal,0.2,0.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2019,urban,male,61,55+,middle,secondary,employed_informal,1.2,4.0,1,savings,Sonibank,0,14,0.0,none,0,1,0,low_burden |
| Tanzania,2025,urban,female,49,45-54,fourth,primary,unemployed,2.6,1.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2022,urban,female,50,45-54,middle,secondary,employed_informal,2.5,2.1,1,current,Standard Bank,1,0,489.08,none,0,1,0,low_burden |
| Niger,2019,rural,male,31,25-34,middle,primary,employed_informal,0.3,8.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2025,rural,male,32,25-34,fourth,primary,unemployed,6.7,1.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2020,urban,male,26,25-34,lowest,secondary,self_employed,1.5,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2022,urban,female,34,25-34,middle,secondary,student,4.4,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2023,urban,female,53,45-54,second,none,unemployed,8.0,0.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2018,urban,female,70,55+,lowest,primary,unemployed,6.5,0.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2019,rural,female,43,35-44,highest,secondary,employed_informal,1.9,24.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2023,urban,male,52,45-54,second,tertiary,self_employed,0.8,0.5,1,savings,Ecobank,0,19,0.0,none,0,0,1,low_burden |
| Tanzania,2020,rural,male,67,55+,second,primary,employed_formal,3.8,3.7,1,savings,CRDB,1,0,785.18,none,0,0,0,low_burden |
| Mali,2018,rural,female,56,55+,lowest,none,self_employed,3.2,2.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2018,urban,female,32,25-34,highest,primary,student,0.1,0.0,1,current,Ecobank,1,0,1881.63,none,0,1,0,low_burden |
| Malawi,2024,urban,female,34,25-34,highest,primary,employed_formal,1.3,0.6,1,current,FDH Bank,4,0,283.12,none,0,0,0,low_burden |
| Niger,2019,rural,male,54,45-54,lowest,none,unemployed,3.2,1.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2018,rural,male,34,25-34,middle,tertiary,self_employed,16.6,5.6,1,savings,Ecobank,0,22,0.0,none,1,1,0,low_burden |
| Mozambique,2022,rural,male,32,25-34,lowest,secondary,employed_informal,2.8,10.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2018,urban,male,51,45-54,fourth,primary,unemployed,1.8,0.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2023,rural,male,54,45-54,middle,primary,self_employed,5.5,5.6,1,salary_account,CRDB,1,0,512.31,none,0,1,0,low_burden |
| South Africa,2022,rural,female,32,25-34,lowest,none,self_employed,1.7,8.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2023,rural,female,20,18-24,middle,secondary,self_employed,28.4,8.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2021,rural,male,61,55+,highest,primary,employed_formal,2.4,9.6,1,savings,Ecobank,1,0,1181.55,none,0,1,0,low_burden |
| Tanzania,2024,rural,male,40,35-44,second,primary,employed_formal,3.7,2.6,1,savings,NMB,2,0,536.96,none,0,0,1,low_burden |
| Ethiopia,2023,urban,male,54,45-54,lowest,secondary,self_employed,0.3,0.2,1,savings,Awash Bank,1,0,252.7,none,0,0,0,low_burden |
| Senegal,2021,rural,male,27,25-34,highest,primary,unemployed,8.8,5.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2018,urban,female,35,25-34,lowest,secondary,unemployed,2.7,0.7,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Rwanda,2020,rural,male,52,45-54,middle,tertiary,unemployed,3.8,29.4,1,current,Ecobank,2,0,230.39,none,1,1,0,low_burden |
| Malawi,2019,rural,female,25,18-24,middle,primary,unemployed,5.5,15.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2018,rural,male,36,35-44,lowest,primary,employed_formal,55.8,9.3,1,salary_account,Ecobank,3,0,211.16,none,0,1,0,low_burden |
| Nigeria,2020,rural,male,58,55+,lowest,tertiary,unemployed,16.0,1.4,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Rwanda,2019,rural,female,61,55+,lowest,primary,unemployed,16.0,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2018,rural,male,38,35-44,lowest,primary,employed_informal,0.9,1.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2020,rural,male,24,18-24,middle,secondary,employed_informal,7.5,22.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2022,rural,female,19,18-24,fourth,secondary,unemployed,9.9,1.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2019,urban,male,49,45-54,lowest,tertiary,student,2.1,3.1,1,current,Sonibank,1,0,276.67,none,1,0,1,low_burden |
| Rwanda,2020,urban,male,57,55+,fourth,primary,student,3.6,1.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Niger,2018,rural,male,51,45-54,second,primary,self_employed,15.0,5.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2018,rural,male,41,35-44,lowest,none,unemployed,20.1,16.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2019,rural,female,19,18-24,middle,primary,self_employed,0.4,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2021,rural,male,30,25-34,second,secondary,unemployed,2.0,2.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2023,urban,female,20,18-24,middle,primary,self_employed,1.0,0.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2024,urban,female,44,35-44,second,primary,student,5.4,0.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Malawi,2023,rural,male,35,25-34,middle,primary,student,23.3,6.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2022,urban,male,22,18-24,highest,none,employed_informal,0.6,1.4,1,savings,Equity Bank,3,0,2320.01,none,0,0,1,low_burden |
| Malawi,2025,rural,male,52,45-54,lowest,primary,student,8.5,8.6,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Malawi,2020,rural,male,39,35-44,highest,secondary,unemployed,10.9,9.7,1,savings,Standard Bank,1,0,3553.79,none,0,0,0,low_burden |
| Uganda,2024,rural,male,72,55+,lowest,primary,employed_informal,30.5,1.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2025,urban,female,41,35-44,lowest,secondary,employed_formal,0.1,2.3,1,savings,Standard Bank,3,0,79.54,none,0,0,0,low_burden |
| Ghana,2022,rural,male,23,18-24,lowest,none,unemployed,10.3,5.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2024,urban,female,58,55+,fourth,none,employed_informal,0.6,1.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2019,urban,female,58,55+,fourth,tertiary,employed_informal,1.2,6.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2025,urban,female,70,55+,highest,tertiary,self_employed,2.6,0.4,1,current,FBNBank,2,0,1435.56,none,0,0,0,low_burden |
| Mali,2022,urban,male,57,55+,fourth,primary,employed_formal,4.2,1.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mali,2019,rural,male,38,35-44,second,primary,employed_informal,6.1,5.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ghana,2018,rural,female,56,55+,highest,tertiary,unemployed,38.9,2.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2023,urban,male,63,55+,highest,secondary,employed_formal,0.9,2.2,1,salary_account,BCDC,2,0,273.65,none,0,0,0,low_burden |
| DRC,2021,rural,female,47,45-54,fourth,none,self_employed,23.9,2.5,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Malawi,2020,rural,female,63,55+,middle,none,employed_informal,0.4,0.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2021,rural,female,73,55+,fourth,none,unemployed,79.1,33.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2025,rural,male,61,55+,lowest,secondary,employed_informal,2.3,1.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mali,2021,rural,male,46,45-54,highest,secondary,unemployed,11.5,10.3,1,fixed_deposit,Ecobank,1,0,4180.7,none,0,1,0,low_burden |
| South Africa,2018,urban,female,46,45-54,highest,primary,unemployed,2.8,1.4,1,savings,Nedbank,1,0,1793.42,none,0,0,0,low_burden |
| Zambia,2020,urban,female,65,55+,middle,none,unemployed,5.4,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2019,rural,female,67,55+,lowest,none,self_employed,12.2,9.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2023,rural,female,32,25-34,lowest,secondary,self_employed,5.2,1.9,1,savings,Stanbic,0,5,0.0,none,0,1,0,low_burden |
| Uganda,2024,rural,female,18,18-24,highest,tertiary,employed_formal,0.3,13.9,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Rwanda,2024,urban,female,63,55+,highest,secondary,self_employed,3.3,0.0,1,savings,I&M Bank,1,0,1518.05,none,0,0,1,low_burden |
| Niger,2023,urban,female,31,25-34,fourth,secondary,self_employed,1.5,7.0,1,savings,Ecobank,2,0,744.09,none,1,1,0,low_burden |
| Mozambique,2024,rural,male,74,55+,highest,primary,self_employed,12.4,3.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2021,urban,male,20,18-24,middle,secondary,employed_formal,1.0,1.1,1,salary_account,Millennium BIM,1,0,734.22,none,0,0,1,low_burden |
| Zambia,2023,rural,female,69,55+,highest,primary,self_employed,17.1,14.1,1,savings,Absa,1,0,3816.72,none,0,1,0,low_burden |
| South Africa,2018,rural,female,56,55+,lowest,none,self_employed,3.2,14.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2022,urban,male,35,25-34,lowest,primary,self_employed,1.7,2.4,1,fixed_deposit,Stanbic,1,0,145.72,none,0,1,0,low_burden |
| Rwanda,2022,urban,female,19,18-24,middle,secondary,self_employed,4.1,6.2,1,savings,Ecobank,3,0,693.82,none,0,1,1,low_burden |
| Rwanda,2018,urban,male,66,55+,second,none,employed_informal,0.5,0.9,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2022,urban,male,24,18-24,second,primary,self_employed,2.8,0.7,1,current,Standard Bank,1,0,460.77,none,0,1,0,low_burden |
| Mali,2023,rural,female,23,18-24,fourth,tertiary,employed_informal,13.1,1.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Uganda,2020,rural,male,63,55+,lowest,secondary,unemployed,23.6,4.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2022,urban,female,56,55+,fourth,primary,unemployed,0.4,1.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2020,rural,female,25,18-24,lowest,none,employed_informal,21.6,8.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2020,urban,female,37,35-44,fourth,secondary,employed_informal,2.6,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2019,urban,male,55,45-54,lowest,none,self_employed,7.4,4.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2020,rural,female,55,45-54,fourth,primary,unemployed,11.2,6.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Zambia,2024,rural,male,38,35-44,middle,none,employed_formal,31.8,6.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Mozambique,2025,rural,female,41,35-44,second,primary,employed_informal,10.8,9.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2023,urban,male,22,18-24,second,secondary,employed_informal,3.3,1.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2022,rural,female,18,18-24,lowest,secondary,unemployed,3.5,2.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2022,rural,female,73,55+,second,primary,employed_formal,44.8,12.0,1,salary_account,Ecobank,2,0,57.73,none,0,1,0,low_burden |
| Zambia,2021,rural,male,31,25-34,lowest,tertiary,unemployed,19.4,0.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2021,rural,male,70,55+,lowest,secondary,self_employed,8.0,10.1,1,current,Capitec,4,0,104.4,none,0,1,1,low_burden |
| South Africa,2022,rural,male,20,18-24,fourth,secondary,unemployed,10.4,7.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2024,urban,female,74,55+,lowest,none,student,0.2,4.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2021,rural,female,42,35-44,lowest,primary,self_employed,6.9,2.5,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Senegal,2022,rural,female,63,55+,second,secondary,unemployed,15.8,8.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2021,urban,female,65,55+,second,secondary,unemployed,0.3,1.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2020,rural,male,38,35-44,middle,primary,unemployed,58.2,3.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2020,rural,female,60,55+,middle,primary,self_employed,0.8,5.2,1,current,Absa,0,18,0.0,none,0,0,0,low_burden |
| Nigeria,2018,rural,male,37,35-44,middle,primary,employed_formal,35.8,14.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2021,urban,female,62,55+,middle,primary,student,3.3,0.3,1,savings,KCB,0,18,0.0,none,1,0,1,low_burden |
| Senegal,2023,rural,male,72,55+,second,primary,employed_formal,15.5,0.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2023,urban,female,64,55+,second,none,student,4.2,1.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2025,rural,male,59,55+,fourth,primary,employed_informal,28.8,2.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2018,rural,male,39,35-44,second,tertiary,self_employed,15.4,12.2,1,savings,FDH Bank,4,0,474.85,none,0,0,0,low_burden |
| Ethiopia,2024,urban,male,24,18-24,fourth,secondary,student,1.1,0.5,1,savings,Awash Bank,2,0,2212.08,none,0,0,0,low_burden |
| Mali,2024,rural,female,46,45-54,middle,none,self_employed,15.1,17.2,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2021,rural,female,25,18-24,middle,none,self_employed,2.1,6.2,1,savings,BHS,1,0,1483.07,none,0,1,0,low_burden |
| Mali,2020,rural,male,46,45-54,middle,primary,employed_informal,5.2,6.3,1,current,Coris Bank,0,12,0.0,none,0,0,0,low_burden |
| Niger,2020,rural,male,67,55+,highest,primary,employed_informal,3.4,3.8,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Kenya,2023,rural,male,24,18-24,second,secondary,employed_formal,10.7,4.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2024,rural,female,69,55+,second,primary,self_employed,1.7,22.6,1,savings,GCB,1,0,125.82,none,0,0,0,low_burden |
| Senegal,2023,rural,female,52,45-54,highest,tertiary,self_employed,10.9,11.5,1,savings,Société Générale,2,0,3692.8,none,0,1,0,low_burden |
| South Africa,2022,urban,female,20,18-24,middle,none,employed_informal,1.9,0.4,1,current,FNB,1,0,1142.68,none,0,0,0,low_burden |
| Nigeria,2023,rural,female,59,55+,second,tertiary,employed_informal,52.2,0.7,1,fixed_deposit,UBA,3,0,466.28,none,0,0,0,low_burden |
| Uganda,2018,rural,male,18,18-24,second,secondary,student,4.3,2.9,1,salary_account,Stanbic,1,0,66.6,none,0,1,0,low_burden |
| South Africa,2022,rural,male,52,45-54,lowest,secondary,unemployed,28.0,5.4,1,savings,Nedbank,1,0,119.69,none,0,1,0,low_burden |
| South Africa,2018,urban,female,46,45-54,fourth,tertiary,self_employed,0.1,2.3,1,savings,FNB,0,15,0.0,none,0,0,0,low_burden |
| Nigeria,2025,urban,female,60,55+,second,primary,student,6.0,0.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2025,urban,male,39,35-44,lowest,none,self_employed,1.5,1.3,1,savings,Standard Bank,1,0,200.59,none,0,1,0,low_burden |
| Rwanda,2022,rural,female,24,18-24,lowest,primary,employed_informal,13.5,6.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2020,urban,male,40,35-44,highest,secondary,employed_informal,4.3,2.5,1,salary_account,First Bank,3,0,1374.53,none,0,1,1,low_burden |
| Tanzania,2023,urban,male,61,55+,middle,tertiary,unemployed,0.5,0.9,1,current,NBC,0,16,0.0,none,1,1,0,low_burden |
| Ethiopia,2023,urban,male,72,55+,middle,primary,employed_informal,0.8,1.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2023,rural,female,29,25-34,highest,secondary,employed_informal,12.4,4.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2022,urban,female,38,35-44,second,primary,student,11.6,6.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2019,rural,female,67,55+,fourth,primary,unemployed,14.5,7.4,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Tanzania,2018,urban,female,35,25-34,fourth,secondary,unemployed,1.1,1.5,1,salary_account,NMB,2,0,145.44,none,0,1,1,low_burden |
| Mali,2020,rural,female,31,25-34,middle,primary,unemployed,8.3,6.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2022,urban,male,65,55+,fourth,none,unemployed,3.9,2.2,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2021,rural,female,46,45-54,highest,secondary,employed_formal,21.0,4.5,1,salary_account,Stanbic,1,0,1346.93,none,0,0,0,low_burden |
| Ghana,2022,rural,male,51,45-54,lowest,secondary,unemployed,22.4,6.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2020,rural,female,45,35-44,lowest,secondary,employed_informal,9.3,19.1,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| South Africa,2025,rural,male,52,45-54,fourth,primary,employed_formal,1.9,16.7,1,savings,Nedbank,1,0,391.54,none,1,0,0,low_burden |
| Zambia,2020,rural,male,33,25-34,second,primary,student,4.0,11.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2024,urban,female,59,55+,middle,secondary,employed_formal,0.2,1.4,1,savings,Zenith Bank,0,11,0.0,none,0,0,1,low_burden |
| Mali,2021,rural,male,38,35-44,lowest,tertiary,employed_formal,25.8,0.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2021,urban,male,47,45-54,fourth,none,employed_informal,0.6,7.5,1,savings,Zanaco,1,0,1322.49,none,0,0,1,low_burden |
| DRC,2022,rural,female,28,25-34,fourth,secondary,unemployed,35.1,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2020,rural,female,18,18-24,highest,secondary,student,7.8,2.0,1,savings,Commercial Bank of Ethiopia,4,0,2437.07,none,0,1,0,low_burden |
| South Africa,2019,rural,male,50,45-54,middle,secondary,employed_formal,3.0,2.7,1,salary_account,Absa,0,15,0.0,none,0,1,1,low_burden |
| DRC,2021,rural,male,25,18-24,highest,secondary,employed_informal,0.2,1.0,1,savings,Rawbank,0,11,0.0,none,0,1,0,low_burden |
| Ghana,2024,urban,male,70,55+,middle,primary,unemployed,2.7,1.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2019,urban,female,72,55+,middle,secondary,self_employed,2.8,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Tanzania,2021,urban,female,36,35-44,fourth,primary,employed_informal,5.5,2.8,1,current,NBC,0,12,0.0,none,0,1,0,low_burden |
| Ethiopia,2023,rural,male,34,25-34,middle,primary,employed_informal,16.0,11.2,1,savings,Awash Bank,2,0,759.81,none,0,0,1,low_burden |
| Ghana,2023,rural,female,46,45-54,middle,primary,self_employed,10.7,19.4,1,current,Fidelity,0,11,0.0,none,1,0,0,low_burden |
| Niger,2021,rural,female,29,25-34,lowest,primary,employed_formal,6.8,2.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2018,rural,female,67,55+,second,secondary,unemployed,8.2,27.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2018,urban,male,23,18-24,fourth,tertiary,employed_informal,3.0,0.3,1,savings,Bank of Kigali,4,0,613.46,none,0,1,1,low_burden |
| Senegal,2021,rural,female,43,35-44,lowest,primary,unemployed,14.9,36.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2024,urban,female,28,25-34,fourth,primary,unemployed,4.4,1.4,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| South Africa,2018,urban,male,65,55+,second,tertiary,self_employed,1.6,2.0,1,savings,Absa,2,0,340.64,none,1,0,0,low_burden |
| Kenya,2025,rural,male,26,25-34,second,primary,unemployed,14.3,6.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| South Africa,2023,urban,male,43,35-44,fourth,none,employed_formal,0.8,0.0,1,current,Standard Bank,2,0,770.84,none,0,0,1,low_burden |
| Uganda,2018,urban,male,65,55+,lowest,secondary,employed_informal,7.9,2.3,1,savings,Equity Bank,0,12,0.0,none,0,1,0,low_burden |
| Zambia,2020,urban,female,43,35-44,highest,tertiary,self_employed,10.4,1.2,1,salary_account,Stanbic,1,0,3447.87,none,0,0,0,low_burden |
| Ethiopia,2019,rural,female,28,25-34,highest,secondary,unemployed,42.9,3.7,1,current,Awash Bank,3,0,1083.49,none,1,0,1,low_burden |
| Rwanda,2025,urban,male,26,25-34,second,primary,unemployed,8.6,5.9,1,savings,Ecobank,1,0,182.88,none,1,0,0,low_burden |
| Niger,2022,rural,female,52,45-54,second,secondary,employed_informal,41.6,1.6,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2020,rural,male,25,18-24,lowest,secondary,unemployed,13.5,2.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Malawi,2020,urban,female,38,35-44,fourth,tertiary,employed_informal,3.2,3.8,1,savings,National Bank,2,0,1779.05,none,0,0,0,low_burden |
| Mozambique,2022,urban,male,52,45-54,lowest,none,employed_formal,5.2,2.0,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Tanzania,2018,rural,female,39,35-44,highest,tertiary,employed_informal,7.1,3.8,1,savings,NBC,2,0,3201.26,none,1,0,0,low_burden |
| Ghana,2020,urban,female,65,55+,highest,secondary,student,8.9,0.8,1,savings,Absa,4,0,2409.94,none,0,0,1,low_burden |
| Ethiopia,2019,rural,female,57,55+,lowest,none,self_employed,5.7,1.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2022,rural,female,25,18-24,fourth,none,self_employed,14.1,17.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2023,urban,male,64,55+,second,none,unemployed,2.4,0.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2021,rural,female,69,55+,middle,tertiary,employed_formal,14.9,5.6,1,savings,Equity BCDC,1,0,1768.85,none,0,0,0,low_burden |
| Ghana,2019,rural,female,29,25-34,lowest,primary,employed_formal,5.0,13.7,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2020,rural,male,38,35-44,fourth,secondary,employed_formal,15.6,2.9,1,savings,Stanbic,3,0,4382.33,none,0,1,0,low_burden |
| South Africa,2024,rural,female,40,35-44,lowest,none,employed_formal,1.9,10.4,1,fixed_deposit,FNB,1,0,492.32,none,0,0,1,low_burden |
| Malawi,2019,rural,male,42,35-44,highest,secondary,self_employed,2.7,8.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2019,rural,male,44,35-44,second,primary,employed_informal,18.7,4.0,1,salary_account,GCB,2,0,184.33,none,0,1,0,low_burden |
| South Africa,2018,rural,female,68,55+,middle,tertiary,unemployed,0.9,1.5,1,savings,Standard Bank,2,0,972.13,none,0,0,0,low_burden |
| Malawi,2024,rural,male,55,45-54,highest,secondary,unemployed,1.6,1.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2018,rural,male,69,55+,fourth,secondary,student,5.5,2.6,1,current,Absa,1,0,900.36,none,0,0,0,low_burden |
| Mozambique,2022,urban,male,37,35-44,middle,secondary,employed_informal,5.4,1.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Mozambique,2025,rural,female,47,45-54,second,secondary,self_employed,0.8,12.9,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2023,rural,female,24,18-24,second,tertiary,employed_formal,14.0,3.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2021,urban,male,33,25-34,second,primary,employed_informal,1.2,2.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2019,rural,female,51,45-54,highest,tertiary,self_employed,10.7,17.4,1,savings,Absa,0,8,0.0,none,0,1,0,low_burden |
| Tanzania,2018,rural,female,27,25-34,second,none,employed_informal,37.7,5.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Kenya,2019,rural,female,72,55+,second,secondary,unemployed,31.5,9.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Tanzania,2025,rural,female,33,25-34,fourth,tertiary,unemployed,18.8,8.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2019,urban,female,27,25-34,second,tertiary,employed_formal,7.4,1.1,1,savings,Bank of Kigali,1,0,213.74,none,0,0,1,low_burden |
| Senegal,2018,urban,male,62,55+,highest,primary,student,4.6,2.1,1,savings,Ecobank,0,3,0.0,none,0,1,1,low_burden |
| Uganda,2024,urban,male,23,18-24,lowest,primary,employed_formal,9.0,0.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2021,rural,female,36,35-44,lowest,secondary,student,21.2,2.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2020,urban,male,29,25-34,middle,primary,self_employed,7.5,0.7,1,savings,Access Bank,1,0,276.36,none,0,1,0,low_burden |
| Zambia,2023,rural,male,57,55+,middle,tertiary,employed_formal,16.3,1.2,1,savings,Stanbic,0,13,0.0,none,0,0,0,low_burden |
| Senegal,2022,urban,male,66,55+,highest,primary,employed_informal,0.1,0.3,1,current,CBAO,1,0,2059.1,none,0,0,0,low_burden |
| Rwanda,2025,urban,male,29,25-34,second,none,employed_informal,5.1,3.0,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2021,rural,female,41,35-44,lowest,secondary,unemployed,2.6,7.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Malawi,2023,urban,male,45,35-44,second,primary,employed_informal,0.6,0.3,1,savings,Standard Bank,1,0,644.25,none,0,1,0,low_burden |
| Niger,2025,rural,female,57,55+,second,primary,unemployed,24.5,3.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2021,urban,female,38,35-44,middle,primary,employed_informal,1.0,0.3,1,fixed_deposit,Coris Bank,0,11,0.0,none,0,0,0,low_burden |
| DRC,2020,rural,male,47,45-54,second,tertiary,student,9.5,6.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2025,rural,male,46,45-54,middle,secondary,employed_informal,7.8,0.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2019,urban,male,18,18-24,highest,tertiary,unemployed,0.3,1.2,1,savings,National Bank,2,0,5004.37,none,0,0,1,low_burden |
| Tanzania,2018,urban,female,50,45-54,second,primary,unemployed,1.5,1.2,1,current,CRDB,1,0,574.73,none,1,0,0,low_burden |
| Zambia,2022,urban,male,50,45-54,middle,primary,employed_informal,0.9,1.8,1,savings,Zanaco,2,0,791.36,none,0,0,0,low_burden |
| Uganda,2025,rural,female,74,55+,lowest,primary,employed_formal,31.8,11.5,1,savings,KCB,3,0,156.01,none,0,0,0,low_burden |
| Malawi,2018,rural,male,47,45-54,fourth,primary,self_employed,29.4,9.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Nigeria,2024,rural,male,69,55+,second,none,self_employed,5.1,1.4,1,savings,Zenith Bank,3,0,398.55,none,0,1,0,low_burden |
| Zambia,2024,urban,male,37,35-44,middle,none,unemployed,2.3,1.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| DRC,2025,rural,male,57,55+,second,primary,employed_informal,1.7,10.8,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| South Africa,2021,urban,male,69,55+,lowest,secondary,unemployed,4.1,0.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Malawi,2020,rural,female,26,25-34,second,primary,student,1.3,20.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2022,rural,male,50,45-54,lowest,secondary,unemployed,3.3,0.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2019,urban,female,70,55+,highest,primary,employed_formal,0.9,0.5,1,savings,Fidelity,1,0,502.05,none,0,0,0,low_burden |
| Uganda,2024,rural,female,49,45-54,second,secondary,employed_formal,33.4,11.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2023,urban,female,68,55+,highest,secondary,student,0.1,1.0,1,current,Ecobank,1,0,2609.23,none,1,0,0,low_burden |
| South Africa,2021,urban,female,41,35-44,middle,secondary,unemployed,17.4,2.0,1,savings,Nedbank,1,0,706.26,none,0,0,0,low_burden |
| Senegal,2022,rural,male,68,55+,lowest,secondary,self_employed,3.4,7.0,1,current,BHS,1,0,850.64,none,0,0,0,low_burden |
| Nigeria,2023,rural,female,53,45-54,second,primary,student,1.2,1.4,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Kenya,2022,rural,male,45,35-44,lowest,primary,employed_formal,13.5,13.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| South Africa,2024,rural,female,30,25-34,fourth,secondary,unemployed,10.3,1.2,1,savings,Capitec,1,0,798.59,none,0,0,1,low_burden |
| Tanzania,2025,urban,male,27,25-34,lowest,tertiary,self_employed,5.5,0.2,1,savings,NBC,0,1,0.0,none,1,1,1,low_burden |
| Uganda,2025,rural,female,34,25-34,highest,secondary,unemployed,7.2,1.2,1,savings,Centenary,3,0,4305.4,none,0,0,0,low_burden |
| Nigeria,2022,rural,female,61,55+,lowest,primary,unemployed,0.3,2.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Ghana,2023,urban,female,44,35-44,second,secondary,self_employed,1.8,1.5,1,savings,Ecobank,0,13,0.0,none,0,0,0,low_burden |
| Rwanda,2020,urban,male,40,35-44,lowest,tertiary,employed_formal,2.6,0.2,1,savings,Bank of Kigali,1,0,125.85,none,0,1,1,low_burden |
| Mozambique,2018,rural,female,44,35-44,fourth,primary,student,46.0,11.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Tanzania,2021,rural,female,37,35-44,middle,none,unemployed,2.2,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2024,urban,female,64,55+,highest,secondary,employed_informal,1.6,3.1,1,savings,Ecobank,0,21,0.0,none,0,0,0,low_burden |
| Kenya,2019,rural,male,40,35-44,second,secondary,student,0.6,4.1,1,salary_account,Equity Bank,0,7,0.0,none,0,0,0,low_burden |
| Kenya,2022,urban,male,44,35-44,lowest,none,employed_informal,1.8,0.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2019,urban,male,49,45-54,fourth,primary,employed_informal,1.8,0.8,1,savings,Cooperative Bank,0,22,0.0,none,0,0,0,low_burden |
| Mozambique,2021,urban,female,54,45-54,middle,secondary,student,1.2,0.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Senegal,2019,rural,male,37,35-44,fourth,secondary,self_employed,31.4,20.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| DRC,2023,urban,female,22,18-24,second,secondary,unemployed,10.4,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2024,rural,female,57,55+,fourth,none,unemployed,14.4,38.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Kenya,2024,urban,female,49,45-54,lowest,primary,self_employed,0.0,0.5,1,savings,NCBA,1,0,714.97,none,0,0,0,low_burden |
| DRC,2023,rural,female,54,45-54,highest,secondary,employed_informal,7.3,1.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2019,rural,female,48,45-54,lowest,none,unemployed,25.1,8.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2022,urban,female,47,45-54,fourth,primary,self_employed,7.2,0.5,1,savings,Zenith Bank,2,0,2628.57,none,0,0,0,low_burden |
| Zambia,2018,rural,male,72,55+,lowest,secondary,self_employed,22.1,75.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Rwanda,2020,urban,female,21,18-24,fourth,primary,self_employed,0.1,2.2,1,salary_account,Equity Bank,3,0,2038.89,none,0,0,0,low_burden |
| Ghana,2022,urban,female,23,18-24,highest,secondary,employed_formal,7.4,0.9,1,savings,Stanbic,2,0,1742.0,none,0,1,0,low_burden |
| Malawi,2023,rural,male,71,55+,highest,none,employed_formal,13.7,4.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Niger,2018,rural,female,68,55+,middle,secondary,self_employed,6.9,10.0,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Malawi,2024,urban,female,41,35-44,second,secondary,unemployed,1.2,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2021,rural,female,48,45-54,fourth,secondary,self_employed,3.5,0.3,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2025,urban,female,43,35-44,middle,tertiary,employed_informal,0.1,0.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2022,rural,female,74,55+,middle,primary,employed_informal,0.8,4.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2022,rural,male,43,35-44,lowest,secondary,unemployed,22.0,16.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,rural,male,61,55+,second,primary,employed_formal,18.8,4.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2024,rural,male,38,35-44,second,tertiary,self_employed,16.6,0.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2019,rural,female,39,35-44,middle,none,unemployed,4.2,4.0,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Kenya,2022,rural,male,56,55+,lowest,secondary,employed_informal,12.6,3.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Senegal,2018,urban,female,40,35-44,second,none,self_employed,5.9,0.2,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2021,urban,female,18,18-24,fourth,primary,unemployed,5.2,2.3,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2024,rural,female,27,25-34,middle,none,employed_informal,4.7,13.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2024,urban,male,67,55+,highest,primary,employed_formal,0.5,0.2,1,savings,Standard Bank,3,0,1389.67,none,0,1,0,low_burden |
| Ethiopia,2020,rural,male,38,35-44,lowest,none,employed_formal,1.1,0.8,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Senegal,2021,urban,male,23,18-24,second,none,unemployed,1.9,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2022,rural,male,71,55+,middle,secondary,student,19.7,5.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2021,urban,male,74,55+,second,primary,unemployed,2.2,2.2,1,salary_account,GTBank,2,0,249.09,none,1,0,0,low_burden |
| Mozambique,2019,rural,male,46,45-54,fourth,none,student,6.9,1.4,1,fixed_deposit,Moza Banco,0,13,0.0,none,0,1,0,low_burden |
| Ghana,2020,rural,male,53,45-54,lowest,tertiary,unemployed,8.2,2.7,1,savings,Fidelity,3,0,84.47,none,0,0,0,low_burden |
| DRC,2021,urban,female,61,55+,middle,secondary,employed_informal,0.2,0.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2022,rural,male,21,18-24,lowest,primary,employed_informal,57.4,23.3,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Nigeria,2025,rural,male,34,25-34,middle,primary,self_employed,9.5,8.7,1,savings,Access Bank,1,0,726.85,none,0,0,0,low_burden |
| Niger,2022,urban,female,50,45-54,fourth,primary,self_employed,0.9,1.9,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Nigeria,2021,urban,female,49,45-54,lowest,secondary,self_employed,0.1,2.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2023,rural,female,36,35-44,second,tertiary,self_employed,0.3,4.0,1,savings,Société Générale,2,0,274.76,none,1,1,0,low_burden |
| South Africa,2024,rural,female,18,18-24,middle,secondary,employed_informal,4.0,17.1,1,fixed_deposit,Capitec,0,10,0.0,none,0,0,0,low_burden |
| South Africa,2021,urban,male,72,55+,fourth,tertiary,employed_informal,0.2,0.5,1,current,Standard Bank,1,0,1119.63,none,1,0,0,low_burden |
| Mozambique,2021,rural,female,53,45-54,lowest,secondary,self_employed,5.9,5.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Zambia,2019,urban,female,61,55+,second,tertiary,unemployed,3.7,5.3,1,savings,Absa,1,0,383.94,none,0,1,0,low_burden |
| Senegal,2024,urban,female,42,35-44,fourth,secondary,unemployed,0.8,2.1,1,savings,Société Générale,1,0,349.19,none,1,1,0,low_burden |
| Tanzania,2024,rural,female,46,45-54,middle,secondary,employed_informal,2.3,0.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Mozambique,2019,urban,male,43,35-44,fourth,secondary,unemployed,3.1,1.5,1,savings,BCI,2,0,1926.83,none,0,0,0,low_burden |
| Zambia,2020,urban,female,42,35-44,second,secondary,employed_informal,3.1,2.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mali,2020,rural,female,56,55+,highest,none,employed_informal,2.9,20.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2025,urban,female,74,55+,lowest,none,unemployed,1.6,2.3,1,current,Commercial Bank of Ethiopia,3,0,198.64,none,0,0,0,low_burden |
| Mali,2018,urban,male,62,55+,lowest,primary,student,3.3,0.3,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2019,rural,male,56,55+,middle,primary,student,1.0,11.9,1,current,Absa,3,0,996.62,none,0,1,0,low_burden |
| Mali,2020,rural,male,18,18-24,middle,tertiary,employed_formal,11.9,2.3,1,savings,BMCD,3,0,196.82,none,0,1,0,low_burden |
| Kenya,2022,rural,male,47,45-54,middle,secondary,employed_informal,11.1,2.2,1,current,NCBA,3,0,271.37,none,0,0,0,low_burden |
| Uganda,2019,rural,male,72,55+,lowest,none,unemployed,1.3,2.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ethiopia,2022,rural,female,40,35-44,lowest,primary,unemployed,9.4,1.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2023,urban,male,49,45-54,fourth,primary,self_employed,1.7,0.2,1,current,First National Bank,3,0,602.28,none,0,0,0,low_burden |
| Niger,2024,rural,male,36,35-44,second,secondary,employed_formal,2.2,12.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Ethiopia,2018,urban,male,28,25-34,fourth,tertiary,self_employed,4.1,4.9,1,current,Commercial Bank of Ethiopia,2,0,1001.18,none,0,0,1,low_burden |
| Kenya,2019,urban,female,58,55+,middle,none,employed_formal,0.6,0.6,1,savings,Stanbic,2,0,460.24,none,0,0,0,low_burden |
| Tanzania,2018,rural,female,35,25-34,lowest,primary,employed_informal,43.9,7.2,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Malawi,2025,rural,female,51,45-54,fourth,tertiary,self_employed,27.4,0.1,1,salary_account,NBS Bank,0,21,0.0,none,0,0,1,low_burden |
| Senegal,2023,rural,female,51,45-54,highest,secondary,employed_formal,19.3,6.5,1,savings,CBAO,4,0,4944.78,none,0,0,0,low_burden |
| Rwanda,2022,urban,female,66,55+,fourth,tertiary,unemployed,1.8,2.1,1,current,I&M Bank,1,0,1886.17,none,0,0,1,low_burden |
| Ghana,2024,urban,female,71,55+,lowest,primary,self_employed,1.5,0.0,1,savings,Absa,1,0,102.5,none,0,0,0,low_burden |
| Rwanda,2022,rural,female,49,45-54,middle,primary,employed_informal,6.8,8.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2019,rural,male,20,18-24,highest,secondary,employed_informal,10.5,5.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2022,rural,female,51,45-54,middle,none,student,16.1,2.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2023,urban,male,68,55+,second,secondary,self_employed,13.9,2.1,1,current,Zanaco,1,0,3539.08,none,0,0,1,low_burden |
| DRC,2018,urban,female,45,35-44,lowest,secondary,unemployed,0.6,0.8,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2022,rural,male,50,45-54,fourth,primary,employed_informal,1.0,5.0,1,current,GCB,3,0,770.28,none,1,1,0,low_burden |
| Niger,2021,rural,male,61,55+,fourth,primary,self_employed,15.4,1.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2018,urban,male,43,35-44,highest,secondary,student,1.3,1.5,1,savings,Stanbic,2,0,4663.8,none,0,0,0,low_burden |
| Uganda,2020,urban,female,41,35-44,highest,tertiary,employed_formal,0.3,3.2,1,savings,Equity Bank,0,23,0.0,none,0,1,1,low_burden |
| DRC,2021,urban,female,45,35-44,second,primary,employed_informal,6.5,0.1,1,savings,FBNBank,1,0,266.92,none,0,0,0,low_burden |
| Zambia,2020,urban,male,66,55+,middle,secondary,student,1.6,3.4,1,savings,Absa,2,0,824.18,none,1,0,1,low_burden |
| Rwanda,2020,rural,female,45,35-44,lowest,primary,employed_informal,11.6,16.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Rwanda,2023,urban,male,36,35-44,lowest,tertiary,employed_informal,1.2,1.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2021,rural,female,52,45-54,lowest,secondary,student,6.4,6.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2021,rural,male,57,55+,highest,none,employed_formal,8.2,4.5,1,savings,GCB,2,0,3549.35,none,0,1,0,low_burden |
| Nigeria,2024,rural,male,70,55+,lowest,secondary,self_employed,30.5,8.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Kenya,2018,rural,female,68,55+,middle,secondary,unemployed,4.3,2.9,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2020,urban,female,62,55+,second,secondary,unemployed,3.5,3.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2018,urban,female,61,55+,second,primary,self_employed,18.1,3.7,1,savings,GCB,0,23,0.0,none,0,0,0,low_burden |
| Senegal,2025,urban,female,43,35-44,middle,secondary,employed_formal,4.3,4.7,1,salary_account,CBAO,2,0,150.08,none,0,0,1,low_burden |
| Malawi,2019,rural,female,37,35-44,lowest,secondary,unemployed,18.7,12.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Nigeria,2024,urban,male,50,45-54,second,primary,unemployed,1.8,2.8,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2019,urban,male,58,55+,middle,primary,employed_informal,4.2,0.6,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Uganda,2020,urban,female,47,45-54,fourth,tertiary,employed_informal,0.1,0.2,1,savings,Centenary,2,0,3334.72,none,0,0,0,low_burden |
| Nigeria,2022,urban,male,29,25-34,fourth,secondary,self_employed,2.7,4.5,1,savings,Zenith Bank,0,19,0.0,none,0,0,1,low_burden |
| Nigeria,2024,rural,female,18,18-24,fourth,primary,employed_formal,6.0,1.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| DRC,2019,rural,male,21,18-24,second,tertiary,unemployed,6.7,0.7,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Senegal,2019,rural,female,42,35-44,lowest,none,student,7.7,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2025,rural,male,63,55+,second,secondary,employed_informal,13.9,2.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Malawi,2020,urban,female,63,55+,highest,primary,student,3.0,0.2,1,savings,NBS Bank,1,0,888.53,none,1,0,0,low_burden |
| Ghana,2019,urban,female,64,55+,lowest,none,unemployed,0.5,0.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Rwanda,2023,urban,male,58,55+,lowest,tertiary,unemployed,2.7,0.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Mozambique,2018,rural,male,19,18-24,highest,secondary,student,13.6,24.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2024,rural,male,68,55+,highest,primary,employed_informal,22.8,2.9,1,current,Zanaco,1,0,1255.55,none,0,1,0,low_burden |
| Kenya,2025,urban,male,72,55+,lowest,tertiary,student,0.3,1.1,1,current,Cooperative Bank,2,0,113.35,none,0,0,0,low_burden |
| Tanzania,2024,rural,male,66,55+,fourth,tertiary,employed_formal,20.5,0.2,1,current,NBC,4,0,523.65,none,0,0,0,low_burden |
| Mozambique,2020,urban,female,43,35-44,second,secondary,self_employed,0.2,0.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2018,urban,male,30,25-34,middle,none,self_employed,4.2,2.3,1,current,Zanaco,4,0,329.81,none,0,0,1,low_burden |
| South Africa,2021,rural,male,69,55+,middle,primary,employed_formal,0.0,13.1,1,savings,Absa,2,0,192.37,none,0,0,0,low_burden |
| Zambia,2020,rural,male,28,25-34,highest,secondary,unemployed,0.9,2.8,1,salary_account,Absa,1,0,3052.14,none,0,0,1,low_burden |
| Kenya,2025,rural,male,62,55+,lowest,tertiary,self_employed,2.4,3.5,1,current,KCB,0,16,0.0,none,0,0,0,low_burden |
| Mozambique,2023,rural,male,73,55+,fourth,primary,self_employed,21.6,29.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2025,urban,female,69,55+,lowest,primary,self_employed,0.9,4.0,1,current,Ecobank,2,0,201.71,none,0,1,0,low_burden |
| Niger,2024,rural,female,47,45-54,middle,none,employed_formal,9.9,23.5,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| South Africa,2023,rural,female,65,55+,middle,primary,employed_informal,12.6,4.4,1,current,FNB,1,0,447.63,none,0,0,0,low_burden |
| Nigeria,2018,rural,male,65,55+,fourth,secondary,employed_informal,6.3,19.2,1,savings,Zenith Bank,2,0,1858.41,none,1,1,0,low_burden |
| Mozambique,2018,urban,female,73,55+,highest,none,student,2.2,0.5,1,current,BCI,4,0,6820.92,none,0,1,0,low_burden |
| Ghana,2018,rural,female,38,35-44,fourth,secondary,unemployed,12.8,1.7,1,current,Fidelity,0,21,0.0,none,0,1,0,low_burden |
| South Africa,2022,urban,female,53,45-54,fourth,secondary,self_employed,2.3,0.5,1,salary_account,Absa,1,0,236.65,none,0,0,0,low_burden |
| Nigeria,2019,urban,female,64,55+,second,primary,self_employed,5.7,0.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2025,rural,male,30,25-34,highest,tertiary,self_employed,7.3,10.3,1,salary_account,Société Générale,2,0,6084.22,none,0,0,0,low_burden |
| Mali,2019,rural,female,30,25-34,second,none,employed_informal,4.0,6.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Uganda,2025,rural,female,40,35-44,second,none,employed_formal,9.9,3.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2023,rural,female,38,35-44,middle,primary,self_employed,14.9,1.6,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| DRC,2018,urban,female,60,55+,second,secondary,employed_informal,3.4,0.1,1,savings,Equity BCDC,1,0,329.0,none,0,0,1,low_burden |
| Kenya,2018,rural,female,71,55+,middle,primary,unemployed,13.8,19.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Rwanda,2021,rural,male,26,25-34,second,tertiary,employed_informal,13.0,7.5,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| South Africa,2020,rural,female,36,35-44,lowest,primary,self_employed,6.7,6.5,1,current,Nedbank,0,21,0.0,none,0,0,0,low_burden |
| Rwanda,2020,urban,female,71,55+,highest,primary,employed_informal,0.0,2.3,1,savings,Bank of Kigali,2,0,563.33,none,0,1,1,low_burden |
| Zambia,2022,rural,female,51,45-54,highest,secondary,unemployed,28.7,30.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Malawi,2019,rural,female,29,25-34,middle,tertiary,student,7.8,12.2,1,fixed_deposit,FDH Bank,0,22,0.0,none,0,0,0,low_burden |
| Rwanda,2019,rural,male,52,45-54,highest,secondary,employed_informal,35.6,14.8,1,current,Bank of Kigali,1,0,2309.47,none,1,0,0,low_burden |
| Senegal,2023,urban,male,67,55+,second,none,employed_formal,1.4,0.3,1,salary_account,Ecobank,4,0,305.23,none,0,0,0,low_burden |
| Zambia,2025,urban,male,39,35-44,second,primary,self_employed,4.8,0.6,1,current,Stanbic,1,0,667.17,none,1,1,1,low_burden |
| Nigeria,2020,rural,female,45,35-44,highest,primary,employed_formal,25.1,22.6,1,current,UBA,0,20,0.0,none,1,0,1,low_burden |
| Rwanda,2025,urban,female,52,45-54,middle,secondary,employed_formal,12.4,1.1,1,savings,Ecobank,3,0,561.67,none,1,0,0,low_burden |
| Mali,2020,rural,female,65,55+,fourth,secondary,self_employed,3.4,2.9,1,current,Ecobank,0,9,0.0,none,0,0,0,low_burden |
| Niger,2020,urban,female,50,45-54,second,primary,employed_formal,1.0,2.5,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Uganda,2018,rural,female,72,55+,second,secondary,employed_formal,3.4,24.4,1,savings,KCB,1,0,445.88,none,0,1,0,low_burden |
| Niger,2021,urban,male,61,55+,lowest,secondary,self_employed,0.6,1.8,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2021,urban,female,42,35-44,highest,primary,self_employed,7.2,1.9,1,savings,BAK,4,0,1171.96,none,1,0,0,low_burden |
| Nigeria,2023,rural,female,45,35-44,lowest,primary,student,2.5,1.2,1,savings,Access Bank,2,0,80.79,none,0,0,0,low_burden |
| DRC,2019,urban,female,57,55+,middle,secondary,employed_informal,0.4,2.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2019,urban,female,22,18-24,lowest,none,employed_informal,0.1,0.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Zambia,2021,urban,female,30,25-34,middle,none,unemployed,1.8,0.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2018,urban,male,31,25-34,second,none,unemployed,5.8,1.9,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Zambia,2019,rural,female,63,55+,fourth,secondary,employed_informal,9.9,2.6,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Senegal,2023,urban,female,64,55+,middle,secondary,self_employed,1.5,3.2,1,savings,CBAO,1,0,905.07,none,0,0,1,low_burden |
| Tanzania,2025,urban,male,64,55+,lowest,secondary,self_employed,1.9,0.9,1,fixed_deposit,Absa,2,0,120.86,none,0,1,1,low_burden |
| Mozambique,2022,rural,male,24,18-24,lowest,primary,employed_informal,5.8,5.4,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| South Africa,2019,rural,male,34,25-34,lowest,secondary,employed_formal,48.7,7.8,1,current,Absa,1,0,253.79,none,0,1,0,low_burden |
| Uganda,2025,rural,male,35,25-34,fourth,primary,unemployed,4.4,15.2,1,savings,Centenary,3,0,2706.17,none,0,0,0,low_burden |
| Niger,2022,urban,female,19,18-24,fourth,secondary,employed_informal,3.4,1.6,1,current,BAK,2,0,725.44,none,0,0,1,low_burden |
| Kenya,2023,rural,male,32,25-34,second,tertiary,employed_informal,5.4,3.7,1,savings,NCBA,2,0,586.79,none,0,0,0,low_burden |
| Ethiopia,2019,urban,male,42,35-44,middle,secondary,self_employed,3.1,5.1,1,savings,Dashen Bank,0,24,0.0,none,0,0,0,low_burden |
| South Africa,2022,urban,female,68,55+,lowest,primary,employed_informal,1.3,1.7,1,savings,Capitec,0,20,0.0,none,0,1,0,low_burden |
| Nigeria,2018,rural,male,27,25-34,highest,secondary,employed_informal,30.3,11.1,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ethiopia,2023,rural,female,67,55+,highest,primary,self_employed,15.2,13.0,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Ghana,2019,rural,male,64,55+,fourth,primary,unemployed,15.2,4.8,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Niger,2025,rural,male,27,25-34,lowest,tertiary,unemployed,6.5,0.6,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2018,urban,female,32,25-34,second,primary,employed_informal,0.7,0.1,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Senegal,2023,rural,female,44,35-44,highest,none,employed_informal,8.6,15.3,1,savings,CBAO,0,21,0.0,none,0,0,0,low_burden |
| South Africa,2019,rural,female,71,55+,lowest,secondary,student,7.0,1.3,1,fixed_deposit,Absa,2,0,179.49,none,0,1,0,low_burden |
| Zambia,2023,urban,female,62,55+,fourth,secondary,self_employed,4.4,0.7,1,current,First National Bank,2,0,615.78,none,0,1,0,low_burden |
| Mali,2021,urban,male,73,55+,highest,secondary,unemployed,1.9,0.6,1,current,Ecobank,1,0,475.67,none,0,1,0,low_burden |
| Uganda,2025,urban,female,35,25-34,fourth,none,employed_formal,7.0,0.0,1,current,Stanbic,0,4,0.0,none,1,0,0,low_burden |
| Ghana,2023,rural,male,69,55+,middle,secondary,employed_formal,5.6,4.6,1,savings,Fidelity,1,0,484.49,none,0,0,0,low_burden |
| South Africa,2020,urban,female,72,55+,middle,primary,employed_informal,12.6,0.3,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| DRC,2018,urban,male,52,45-54,highest,tertiary,unemployed,2.8,5.1,1,current,FBNBank,0,1,0.0,none,0,0,0,low_burden |
| Rwanda,2022,rural,female,26,25-34,second,primary,student,7.2,19.2,1,current,Equity Bank,3,0,293.9,none,0,1,0,low_burden |
| Ethiopia,2021,rural,male,33,25-34,highest,none,employed_informal,4.2,9.1,1,savings,Commercial Bank of Ethiopia,3,0,827.14,none,0,0,0,low_burden |
| Nigeria,2018,urban,male,25,18-24,second,secondary,unemployed,1.8,3.2,1,savings,Access Bank,2,0,65.79,none,1,1,1,low_burden |
| DRC,2022,rural,male,64,55+,fourth,primary,unemployed,18.2,11.7,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Mali,2019,rural,female,35,25-34,highest,secondary,unemployed,2.8,0.5,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ghana,2019,rural,male,57,55+,middle,primary,self_employed,15.0,28.1,1,savings,Fidelity,3,0,131.43,none,0,0,0,low_burden |
| Senegal,2018,urban,female,33,25-34,second,primary,employed_informal,0.4,1.1,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Rwanda,2020,urban,male,73,55+,lowest,none,student,0.2,1.0,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| Zambia,2019,rural,female,62,55+,fourth,primary,employed_informal,7.1,5.1,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mozambique,2018,urban,male,39,35-44,middle,none,employed_informal,10.5,0.0,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2021,rural,female,45,35-44,second,primary,employed_informal,20.6,2.7,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| Ghana,2019,urban,male,21,18-24,highest,primary,self_employed,3.4,2.0,1,savings,Absa,2,0,6924.39,none,0,0,0,low_burden |
| Uganda,2019,rural,male,25,18-24,highest,secondary,employed_formal,1.9,0.2,1,savings,KCB,1,0,1711.04,none,0,1,0,low_burden |
| Niger,2021,rural,male,74,55+,highest,secondary,self_employed,7.1,11.3,1,current,Orabank,2,0,526.18,none,0,0,0,low_burden |
| Rwanda,2018,rural,male,64,55+,middle,none,student,6.9,10.4,0,none,none,0,0,0.0,no_need,0,0,0,low_burden |
| South Africa,2025,rural,male,65,55+,highest,none,self_employed,24.2,39.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Senegal,2021,rural,male,54,45-54,highest,none,student,8.8,7.3,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Nigeria,2025,rural,female,30,25-34,lowest,primary,student,12.3,1.7,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2025,urban,female,24,18-24,highest,primary,unemployed,1.2,1.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Uganda,2025,rural,male,59,55+,middle,primary,self_employed,2.2,4.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Niger,2022,rural,male,36,35-44,highest,tertiary,unemployed,11.2,14.8,1,savings,Orabank,0,24,0.0,none,0,1,0,low_burden |
| Niger,2021,rural,male,18,18-24,fourth,secondary,self_employed,3.8,1.5,1,current,BAK,0,15,0.0,none,1,0,1,low_burden |
| DRC,2023,rural,male,19,18-24,middle,none,employed_informal,12.8,7.6,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Ethiopia,2018,urban,male,49,45-54,second,none,student,6.2,0.1,0,none,none,0,0,0.0,trust,0,0,0,low_burden |
| Tanzania,2024,rural,male,65,55+,lowest,none,self_employed,1.2,1.4,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Uganda,2020,rural,male,38,35-44,second,none,student,42.1,0.2,0,none,none,0,0,0.0,documentation,0,0,0,low_burden |
| Malawi,2018,rural,female,74,55+,fourth,secondary,employed_informal,10.7,13.1,1,savings,NBS Bank,2,0,509.24,none,0,0,1,low_burden |
| Zambia,2019,rural,female,39,35-44,highest,none,employed_informal,8.3,1.9,1,savings,Stanbic,0,15,0.0,none,1,0,0,low_burden |
| Mali,2019,rural,female,59,55+,lowest,none,unemployed,55.1,14.9,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Mali,2018,rural,male,31,25-34,lowest,none,self_employed,6.8,6.2,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
| Nigeria,2023,urban,female,52,45-54,fourth,secondary,self_employed,9.4,1.1,1,current,GTBank,3,0,831.07,none,1,0,0,low_burden |
| Tanzania,2018,rural,male,33,25-34,second,none,unemployed,4.6,4.2,0,none,none,0,0,0.0,distance,0,0,0,low_burden |
| Zambia,2024,urban,male,62,55+,lowest,tertiary,self_employed,5.2,1.4,1,savings,Zanaco,0,17,0.0,none,0,0,0,low_burden |
| Ethiopia,2021,urban,female,43,35-44,lowest,primary,employed_formal,7.2,2.0,0,none,none,0,0,0.0,religious,0,0,0,low_burden |
| Kenya,2023,urban,male,20,18-24,middle,primary,unemployed,5.3,0.3,0,none,none,0,0,0.0,other,0,0,0,low_burden |
| DRC,2020,rural,male,32,25-34,middle,primary,employed_formal,2.1,3.6,1,salary_account,FBNBank,1,0,716.0,none,0,1,0,low_burden |
| Niger,2019,urban,female,38,35-44,highest,secondary,self_employed,2.3,0.3,1,savings,Sonibank,1,0,1377.5,none,0,0,1,low_burden |
| Zambia,2019,rural,female,44,35-44,second,primary,employed_informal,16.3,6.7,0,none,none,0,0,0.0,cost,0,0,0,low_burden |
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