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
Zambia,2019,urban,male,73,55+,second,none,employed_formal,5.1,4.6,1,savings,First National Bank,3,0,38.46,none,0,0,1,moderate_burden
Rwanda,2018,rural,male,23,18-24,second,tertiary,self_employed,21.4,22.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2023,rural,female,23,18-24,second,none,self_employed,11.4,6.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,urban,female,31,25-34,middle,primary,unemployed,0.3,0.4,1,current,NCBA,2,0,545.14,none,0,0,0,moderate_burden
Senegal,2023,rural,female,20,18-24,middle,primary,self_employed,12.9,9.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Kenya,2019,rural,female,43,35-44,second,secondary,self_employed,9.8,43.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2023,rural,female,30,25-34,lowest,secondary,unemployed,13.1,7.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2024,rural,female,41,35-44,second,tertiary,student,10.9,18.1,1,savings,Equity BCDC,3,0,359.05,none,0,1,0,moderate_burden
Malawi,2018,rural,male,28,25-34,middle,tertiary,employed_formal,2.9,1.3,1,current,NBS Bank,0,1,0.0,none,0,1,0,moderate_burden
Senegal,2025,urban,male,42,35-44,second,primary,employed_informal,8.4,2.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2021,rural,female,56,55+,lowest,tertiary,unemployed,2.1,18.5,1,savings,Standard Bank,2,0,206.54,none,0,0,0,moderate_burden
Ghana,2018,urban,male,45,35-44,second,primary,employed_informal,4.5,6.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2022,rural,female,59,55+,highest,secondary,self_employed,29.0,4.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2021,rural,male,27,25-34,highest,primary,employed_informal,0.5,1.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2025,urban,male,68,55+,highest,tertiary,employed_informal,1.7,0.4,1,current,Commercial Bank of Ethiopia,3,0,4642.94,none,0,0,0,moderate_burden
Ghana,2022,urban,male,38,35-44,highest,none,employed_informal,6.7,0.3,1,savings,Fidelity,2,0,1218.31,none,0,0,0,moderate_burden
Tanzania,2019,urban,female,32,25-34,second,primary,self_employed,0.2,10.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2019,urban,male,62,55+,second,secondary,self_employed,5.1,0.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2024,rural,male,63,55+,fourth,secondary,employed_formal,11.4,2.2,1,savings,I&M Bank,0,14,0.0,none,1,0,1,moderate_burden
Malawi,2018,rural,male,57,55+,middle,primary,employed_informal,20.7,11.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2021,rural,female,55,45-54,middle,primary,unemployed,17.5,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2020,rural,male,39,35-44,highest,none,self_employed,36.2,15.4,1,savings,Standard Bank,2,0,1161.41,none,1,0,0,moderate_burden
Ethiopia,2019,rural,male,62,55+,fourth,tertiary,self_employed,10.8,17.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,urban,female,34,25-34,lowest,secondary,self_employed,1.7,0.6,1,savings,BCI,2,0,237.7,none,0,0,0,moderate_burden
Nigeria,2018,rural,male,32,25-34,highest,none,employed_informal,9.2,16.8,1,savings,GTBank,1,0,2463.45,none,0,1,1,moderate_burden
Tanzania,2018,rural,male,59,55+,second,secondary,self_employed,19.3,1.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2021,rural,female,38,35-44,middle,primary,student,61.4,19.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2021,urban,male,46,45-54,highest,secondary,employed_formal,2.2,1.2,1,savings,Stanbic,2,0,479.3,none,1,0,1,moderate_burden
Mozambique,2021,rural,female,52,45-54,second,secondary,employed_informal,96.2,11.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2018,rural,male,31,25-34,lowest,primary,student,17.7,6.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2023,rural,female,58,55+,second,primary,employed_informal,4.1,10.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2022,rural,female,62,55+,middle,primary,self_employed,43.2,4.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2025,rural,female,61,55+,fourth,secondary,self_employed,3.2,12.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2018,rural,male,39,35-44,second,primary,employed_informal,20.5,18.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2019,urban,male,18,18-24,fourth,secondary,employed_formal,4.8,1.1,1,savings,Société Générale,1,0,3949.56,none,0,1,0,moderate_burden
South Africa,2024,rural,female,62,55+,lowest,secondary,student,3.3,6.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2024,rural,female,69,55+,highest,secondary,self_employed,74.6,11.5,1,current,Stanbic,1,0,424.19,none,0,1,0,moderate_burden
DRC,2023,rural,female,30,25-34,middle,primary,student,1.1,1.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2024,rural,female,72,55+,highest,secondary,unemployed,2.7,1.2,1,savings,Dashen Bank,0,9,0.0,none,0,0,0,moderate_burden
Senegal,2020,urban,male,19,18-24,fourth,primary,student,1.7,3.4,1,savings,BHS,1,0,832.77,none,0,0,1,moderate_burden
Zambia,2025,urban,male,29,25-34,fourth,none,employed_formal,1.0,0.2,1,savings,Stanbic,0,11,0.0,none,0,1,0,moderate_burden
Zambia,2021,urban,female,68,55+,lowest,primary,unemployed,1.3,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2025,rural,female,51,45-54,lowest,secondary,student,0.8,4.6,1,savings,BCDC,1,0,1212.55,none,1,0,0,moderate_burden
South Africa,2024,rural,male,45,35-44,lowest,secondary,employed_informal,2.8,0.6,1,current,FNB,1,0,110.39,none,0,1,0,moderate_burden
South Africa,2022,rural,male,68,55+,fourth,secondary,student,37.3,1.2,1,salary_account,Standard Bank,3,0,590.89,none,0,1,1,moderate_burden
Senegal,2021,urban,male,26,25-34,second,primary,employed_informal,5.9,2.2,1,savings,Ecobank,1,0,282.01,none,0,0,0,moderate_burden
Niger,2018,urban,female,56,55+,highest,tertiary,unemployed,3.4,0.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2020,rural,male,60,55+,second,primary,self_employed,11.7,13.3,1,savings,Nedbank,3,0,340.55,none,0,0,0,moderate_burden
Mozambique,2019,urban,male,55,45-54,middle,none,employed_informal,5.0,1.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2022,urban,female,36,35-44,second,none,unemployed,16.3,3.2,1,savings,Nedbank,2,0,74.39,none,0,1,1,moderate_burden
Kenya,2019,urban,male,44,35-44,middle,secondary,self_employed,2.1,0.7,1,salary_account,Cooperative Bank,1,0,1166.51,none,0,0,0,moderate_burden
Kenya,2019,rural,male,66,55+,second,secondary,employed_formal,5.6,14.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2025,urban,female,26,25-34,second,primary,student,1.8,1.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,rural,male,57,55+,middle,primary,unemployed,3.9,1.4,1,savings,Stanbic,1,0,269.49,none,0,1,0,moderate_burden
DRC,2018,urban,female,50,45-54,lowest,secondary,self_employed,2.1,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2022,rural,female,19,18-24,lowest,primary,employed_formal,8.3,10.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,urban,female,23,18-24,middle,tertiary,unemployed,0.4,2.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2021,urban,male,52,45-54,middle,secondary,unemployed,3.1,0.9,1,savings,Equity Bank,3,0,939.77,none,0,0,0,moderate_burden
Uganda,2025,rural,male,49,45-54,highest,primary,employed_formal,8.8,1.7,1,current,Equity Bank,1,0,2109.48,none,0,0,0,moderate_burden
Ethiopia,2018,rural,female,67,55+,highest,primary,employed_informal,6.7,3.4,1,current,Awash Bank,3,0,3793.56,none,0,0,0,moderate_burden
DRC,2019,urban,female,24,18-24,lowest,secondary,unemployed,3.9,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2019,rural,male,32,25-34,second,secondary,employed_informal,6.5,18.9,1,savings,CRDB,2,0,224.45,none,0,1,0,moderate_burden
Niger,2021,rural,male,40,35-44,second,primary,self_employed,2.9,2.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2022,urban,male,72,55+,highest,tertiary,self_employed,1.4,0.9,1,savings,Société Générale,3,0,1481.18,none,0,0,1,moderate_burden
Rwanda,2019,urban,female,30,25-34,fourth,primary,employed_formal,0.9,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2025,urban,male,51,45-54,middle,primary,self_employed,5.9,3.1,1,current,Cooperative Bank,1,0,123.29,none,0,0,0,moderate_burden
Niger,2020,rural,male,25,18-24,highest,secondary,employed_informal,18.6,11.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2024,rural,female,27,25-34,second,tertiary,self_employed,6.9,11.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2025,rural,male,58,55+,lowest,tertiary,self_employed,7.0,9.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2020,rural,female,68,55+,lowest,none,employed_informal,2.2,8.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2020,rural,female,28,25-34,second,tertiary,employed_formal,6.4,10.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2019,rural,male,56,55+,middle,primary,self_employed,22.4,6.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2022,urban,male,64,55+,fourth,primary,employed_informal,0.2,0.3,1,savings,Stanbic,0,22,0.0,none,0,1,1,moderate_burden
Ethiopia,2022,urban,male,20,18-24,second,secondary,self_employed,2.6,0.3,1,savings,Dashen Bank,3,0,572.15,none,0,1,0,moderate_burden
Mali,2022,urban,female,43,35-44,second,primary,employed_informal,4.3,1.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2025,rural,male,29,25-34,middle,tertiary,self_employed,30.2,4.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2024,rural,male,18,18-24,middle,none,self_employed,5.4,13.4,1,current,Cooperative Bank,0,21,0.0,none,0,1,0,moderate_burden
Tanzania,2018,urban,male,72,55+,fourth,secondary,self_employed,2.3,0.1,1,savings,CRDB,2,0,1277.41,none,0,1,1,moderate_burden
Senegal,2021,rural,female,29,25-34,lowest,none,employed_informal,3.6,9.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2019,rural,male,26,25-34,second,primary,unemployed,17.2,6.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2023,urban,female,71,55+,lowest,tertiary,self_employed,1.4,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2019,rural,male,25,18-24,highest,secondary,employed_formal,11.4,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2018,rural,male,18,18-24,middle,none,employed_formal,49.7,9.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2025,rural,male,58,55+,middle,none,employed_formal,20.1,12.9,1,savings,Centenary,1,0,214.26,none,0,1,0,moderate_burden
Niger,2021,rural,female,28,25-34,second,secondary,self_employed,4.9,5.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2024,urban,female,61,55+,lowest,primary,unemployed,1.7,3.8,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2022,urban,female,68,55+,middle,none,employed_formal,1.8,0.9,1,salary_account,Absa,2,0,729.96,none,0,0,0,moderate_burden
Uganda,2024,rural,male,23,18-24,second,primary,unemployed,18.6,3.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,urban,male,38,35-44,fourth,tertiary,student,0.8,0.5,1,savings,Orabank,0,14,0.0,none,1,0,0,moderate_burden
Senegal,2021,rural,male,22,18-24,second,primary,self_employed,42.8,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2025,rural,female,38,35-44,lowest,secondary,self_employed,32.3,7.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2022,rural,male,70,55+,highest,tertiary,unemployed,80.0,5.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2024,rural,female,69,55+,middle,primary,self_employed,11.2,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2018,urban,female,53,45-54,middle,none,unemployed,3.0,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2021,urban,female,68,55+,middle,none,employed_informal,0.3,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2021,rural,female,38,35-44,lowest,tertiary,employed_informal,28.7,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2020,rural,female,23,18-24,highest,secondary,self_employed,14.9,1.4,1,current,Ecobank,3,0,1293.56,none,0,1,1,moderate_burden
Tanzania,2025,urban,male,74,55+,middle,primary,employed_formal,4.2,2.1,1,fixed_deposit,Absa,0,2,0.0,none,0,1,0,moderate_burden
Ethiopia,2019,rural,male,29,25-34,lowest,primary,student,34.6,2.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2018,rural,male,45,35-44,highest,primary,employed_informal,13.7,4.5,1,savings,DFCU,2,0,534.96,none,0,0,0,moderate_burden
Nigeria,2024,rural,male,73,55+,highest,none,self_employed,4.6,3.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2018,rural,male,32,25-34,lowest,none,unemployed,4.7,24.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2021,rural,female,43,35-44,highest,none,employed_informal,31.7,9.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2020,urban,male,51,45-54,second,none,employed_formal,5.0,0.3,1,current,National Bank,2,0,659.76,none,0,1,0,moderate_burden
Rwanda,2023,rural,male,41,35-44,highest,tertiary,self_employed,6.0,5.8,1,current,Bank of Kigali,1,0,1171.69,none,0,1,0,moderate_burden
Rwanda,2023,rural,female,54,45-54,second,none,unemployed,5.6,5.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2024,rural,male,66,55+,lowest,secondary,employed_informal,18.8,1.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2025,urban,male,66,55+,lowest,none,employed_formal,2.8,4.0,1,savings,UBA,2,0,495.14,none,0,0,0,moderate_burden
Rwanda,2019,rural,male,63,55+,fourth,none,employed_formal,8.7,3.8,1,savings,Equity Bank,2,0,1538.09,none,0,1,0,moderate_burden
Kenya,2021,rural,female,38,35-44,middle,secondary,employed_informal,16.0,24.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2024,urban,male,40,35-44,middle,secondary,employed_formal,9.7,2.8,1,savings,KCB,2,0,429.49,none,0,0,0,moderate_burden
DRC,2019,rural,female,18,18-24,middle,primary,self_employed,2.8,10.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,urban,female,72,55+,fourth,secondary,employed_formal,4.3,0.3,1,current,Commercial Bank of Ethiopia,1,0,995.4,none,0,0,0,moderate_burden
Malawi,2024,rural,female,27,25-34,fourth,primary,employed_informal,5.9,2.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2020,rural,female,55,45-54,second,tertiary,unemployed,15.8,33.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2020,rural,female,36,35-44,lowest,none,self_employed,28.4,3.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,rural,male,69,55+,middle,secondary,self_employed,6.3,2.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2019,rural,female,67,55+,fourth,primary,self_employed,0.7,10.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2020,rural,female,69,55+,highest,primary,self_employed,19.6,5.2,1,savings,I&M Bank,0,24,0.0,none,0,0,0,moderate_burden
Mali,2018,rural,female,22,18-24,fourth,primary,employed_informal,15.1,13.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2018,rural,female,52,45-54,second,none,employed_informal,2.6,2.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2021,rural,male,66,55+,fourth,tertiary,self_employed,31.3,6.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2022,rural,male,39,35-44,highest,tertiary,employed_formal,20.9,2.1,1,current,National Bank,1,0,882.99,none,0,0,0,moderate_burden
Tanzania,2020,rural,male,38,35-44,second,secondary,employed_informal,16.8,2.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2021,rural,female,23,18-24,middle,primary,employed_formal,16.2,9.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2018,urban,male,23,18-24,lowest,primary,employed_formal,6.2,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2019,rural,female,50,45-54,fourth,tertiary,employed_formal,36.1,3.2,1,savings,Access Bank,3,0,369.68,none,0,0,0,moderate_burden
Kenya,2025,rural,female,28,25-34,fourth,primary,self_employed,10.4,29.9,1,current,Stanbic,2,0,887.2,none,0,0,0,moderate_burden
Tanzania,2021,urban,female,74,55+,lowest,primary,employed_informal,0.7,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2020,rural,female,73,55+,fourth,none,employed_formal,4.3,1.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2018,rural,male,39,35-44,second,primary,self_employed,26.2,3.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2025,rural,male,61,55+,middle,primary,self_employed,7.9,3.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2025,urban,male,60,55+,fourth,tertiary,employed_informal,1.4,0.3,1,salary_account,Ecobank,1,0,693.32,none,0,0,0,moderate_burden
Senegal,2018,urban,female,43,35-44,second,secondary,self_employed,0.4,4.0,1,savings,BHS,0,21,0.0,none,0,1,0,moderate_burden
DRC,2023,rural,female,74,55+,lowest,primary,self_employed,15.8,7.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2021,rural,male,60,55+,fourth,secondary,unemployed,11.9,5.9,1,savings,Standard Bank,4,0,1920.3,none,0,0,0,moderate_burden
Mozambique,2025,urban,female,28,25-34,lowest,secondary,self_employed,2.7,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2018,rural,male,27,25-34,lowest,primary,self_employed,16.2,0.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2019,rural,female,52,45-54,middle,primary,employed_formal,20.3,11.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2022,urban,male,48,45-54,lowest,secondary,employed_formal,0.5,1.8,1,savings,Zanaco,2,0,213.21,none,0,1,0,moderate_burden
Nigeria,2019,rural,male,47,45-54,second,primary,self_employed,14.8,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2021,urban,male,57,55+,middle,secondary,self_employed,3.2,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2021,rural,male,24,18-24,fourth,primary,self_employed,3.4,4.3,1,salary_account,Standard Bank,1,0,525.54,none,0,1,0,moderate_burden
Zambia,2021,urban,female,25,18-24,second,secondary,self_employed,4.3,0.4,1,savings,Stanbic,3,0,705.69,none,0,0,0,moderate_burden
DRC,2020,rural,female,47,45-54,fourth,primary,student,10.5,1.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mozambique,2019,rural,female,59,55+,highest,none,employed_formal,18.1,14.0,1,savings,Millennium BIM,0,5,0.0,none,0,0,1,moderate_burden
Uganda,2023,urban,female,46,45-54,middle,primary,self_employed,0.4,3.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mozambique,2023,rural,female,24,18-24,fourth,secondary,employed_informal,5.9,20.4,1,savings,Millennium BIM,1,0,418.3,none,0,1,0,moderate_burden
Tanzania,2025,rural,male,46,45-54,lowest,none,self_employed,41.1,5.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2024,rural,female,63,55+,second,none,unemployed,4.4,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2022,rural,male,21,18-24,lowest,secondary,employed_formal,2.0,0.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2025,rural,male,21,18-24,second,secondary,unemployed,0.9,2.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2023,rural,male,26,25-34,fourth,none,employed_formal,3.4,23.1,1,current,First National Bank,0,18,0.0,none,0,0,0,moderate_burden
DRC,2018,urban,male,51,45-54,lowest,primary,self_employed,4.1,0.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2024,rural,male,60,55+,middle,tertiary,unemployed,7.9,8.4,1,savings,Nedbank,2,0,341.61,none,0,1,0,moderate_burden
Niger,2020,rural,female,49,45-54,middle,tertiary,employed_formal,10.9,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2022,rural,female,61,55+,lowest,secondary,employed_informal,4.3,1.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2022,rural,male,21,18-24,middle,secondary,self_employed,52.5,0.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2018,urban,male,28,25-34,highest,secondary,student,1.4,0.1,1,current,Access Bank,3,0,4365.3,none,0,1,0,moderate_burden
Malawi,2024,rural,male,37,35-44,middle,primary,student,2.5,1.1,1,current,Standard Bank,1,0,277.92,none,1,0,0,moderate_burden
Mali,2019,rural,male,63,55+,lowest,none,employed_informal,8.1,12.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2019,rural,female,64,55+,middle,primary,employed_informal,10.9,5.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2021,rural,male,56,55+,second,none,employed_formal,24.6,6.9,1,savings,Standard Bank,4,0,198.25,none,0,1,0,moderate_burden
Zambia,2021,rural,male,53,45-54,second,secondary,self_employed,18.3,3.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2020,rural,male,52,45-54,highest,secondary,self_employed,17.8,2.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2021,rural,female,41,35-44,second,primary,unemployed,19.9,38.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2021,rural,female,62,55+,second,tertiary,employed_informal,31.9,3.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2023,rural,female,27,25-34,lowest,secondary,unemployed,6.7,15.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2025,urban,male,65,55+,second,primary,self_employed,0.2,0.9,1,savings,Standard Bank,0,20,0.0,none,0,0,1,moderate_burden
DRC,2023,urban,female,56,55+,fourth,none,employed_formal,5.7,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2019,urban,female,41,35-44,fourth,secondary,employed_formal,6.0,3.0,1,savings,First National Bank,2,0,3739.98,none,0,0,0,moderate_burden
Zambia,2023,urban,male,45,35-44,lowest,primary,employed_informal,3.2,0.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2022,rural,male,30,25-34,middle,primary,employed_informal,11.2,13.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2022,urban,male,60,55+,fourth,primary,employed_informal,4.7,7.0,1,salary_account,BHS,2,0,293.48,none,1,0,0,moderate_burden
Senegal,2021,rural,female,33,25-34,fourth,secondary,employed_formal,18.7,1.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2019,rural,male,33,25-34,highest,secondary,employed_informal,8.0,21.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2024,urban,female,41,35-44,middle,none,student,6.2,2.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,rural,female,65,55+,highest,primary,self_employed,27.5,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2024,urban,female,58,55+,lowest,tertiary,unemployed,3.4,0.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2022,rural,female,33,25-34,second,tertiary,employed_informal,5.3,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2025,rural,male,70,55+,highest,primary,employed_informal,21.0,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2023,urban,female,61,55+,fourth,primary,employed_informal,0.4,1.2,1,current,BCI,2,0,1935.9,none,0,0,0,moderate_burden
DRC,2024,rural,male,55,45-54,middle,secondary,employed_formal,9.9,17.0,1,current,FBNBank,3,0,415.42,none,1,1,0,moderate_burden
Ghana,2019,rural,female,30,25-34,fourth,secondary,unemployed,19.2,1.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2018,urban,male,19,18-24,highest,primary,employed_informal,1.4,6.5,1,savings,Dashen Bank,0,8,0.0,none,0,1,0,moderate_burden
Rwanda,2021,urban,male,70,55+,second,secondary,employed_informal,1.5,1.1,1,savings,Bank of Kigali,1,0,240.51,none,0,1,0,moderate_burden
Rwanda,2020,rural,male,37,35-44,middle,none,employed_informal,3.4,8.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2021,rural,male,40,35-44,second,tertiary,student,1.0,6.9,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Niger,2020,rural,female,56,55+,lowest,secondary,self_employed,9.2,7.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Tanzania,2024,urban,female,21,18-24,middle,none,self_employed,0.2,3.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2022,urban,female,60,55+,middle,tertiary,employed_informal,5.3,2.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2023,urban,female,19,18-24,middle,none,student,0.9,0.7,1,current,Standard Bank,4,0,719.91,none,0,1,0,moderate_burden
Tanzania,2018,rural,male,35,25-34,fourth,primary,self_employed,13.9,3.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2025,rural,male,61,55+,middle,primary,self_employed,17.2,5.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2023,urban,male,53,45-54,second,primary,self_employed,1.1,6.4,1,savings,BHS,1,0,353.97,none,0,1,1,moderate_burden
Tanzania,2021,rural,female,59,55+,second,secondary,unemployed,8.9,24.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2020,urban,male,59,55+,second,tertiary,student,0.0,2.1,1,savings,Bank of Kigali,3,0,157.62,none,1,0,0,moderate_burden
Niger,2018,rural,male,73,55+,fourth,secondary,employed_informal,4.0,9.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2024,rural,female,63,55+,middle,secondary,self_employed,12.1,6.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2022,urban,male,35,25-34,highest,tertiary,employed_informal,11.0,3.1,1,savings,BMCD,3,0,2234.88,none,0,1,0,moderate_burden
South Africa,2023,rural,male,55,45-54,middle,secondary,unemployed,35.4,8.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,urban,male,42,35-44,highest,primary,unemployed,11.7,4.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2019,urban,male,33,25-34,fourth,secondary,self_employed,0.6,1.4,1,current,Dashen Bank,2,0,426.15,none,0,0,0,moderate_burden
Mozambique,2020,rural,male,52,45-54,second,secondary,employed_informal,23.7,24.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2019,rural,female,20,18-24,highest,none,employed_informal,13.1,10.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2023,urban,male,70,55+,lowest,primary,employed_formal,5.9,0.5,1,savings,Nedbank,1,0,163.4,none,1,0,0,moderate_burden
Mali,2021,rural,female,43,35-44,middle,secondary,student,73.1,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2025,rural,male,26,25-34,fourth,secondary,self_employed,14.2,25.1,1,savings,Fidelity,2,0,1298.42,none,0,1,0,moderate_burden
Senegal,2023,rural,male,40,35-44,middle,tertiary,employed_formal,25.4,0.9,1,savings,BHS,1,0,533.29,none,0,0,0,moderate_burden
Niger,2023,rural,female,53,45-54,middle,none,employed_formal,1.6,3.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2020,urban,female,59,55+,lowest,secondary,employed_informal,0.3,1.5,1,fixed_deposit,Dashen Bank,0,22,0.0,none,0,0,1,moderate_burden
Ghana,2019,urban,female,63,55+,highest,primary,employed_formal,1.9,0.0,1,savings,Fidelity,2,0,2125.56,none,0,0,0,moderate_burden
Niger,2021,urban,male,72,55+,lowest,none,unemployed,3.6,0.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2021,urban,female,68,55+,middle,primary,self_employed,8.6,0.8,1,savings,Ecobank,0,1,0.0,none,0,0,0,moderate_burden
South Africa,2025,rural,male,41,35-44,lowest,primary,self_employed,8.0,8.4,1,current,Capitec,4,0,190.74,none,1,0,0,moderate_burden
Mali,2024,rural,female,68,55+,middle,secondary,employed_formal,25.2,5.3,1,savings,BDM,3,0,611.97,none,0,1,1,moderate_burden
DRC,2018,rural,female,20,18-24,middle,secondary,employed_informal,4.6,13.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2021,rural,female,21,18-24,lowest,secondary,self_employed,17.4,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,urban,female,51,45-54,middle,tertiary,unemployed,0.4,1.4,1,savings,BCI,2,0,347.96,none,0,1,0,moderate_burden
Zambia,2025,rural,male,59,55+,second,tertiary,employed_informal,11.9,8.9,1,savings,Stanbic,1,0,957.53,none,0,0,0,moderate_burden
Ethiopia,2022,urban,male,33,25-34,fourth,secondary,self_employed,1.1,1.5,1,fixed_deposit,Dashen Bank,4,0,6221.56,none,0,1,0,moderate_burden
Tanzania,2019,rural,female,23,18-24,fourth,secondary,unemployed,0.8,2.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Niger,2025,rural,male,40,35-44,lowest,primary,student,34.4,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2018,urban,male,41,35-44,lowest,none,self_employed,0.9,0.1,1,savings,Stanbic,1,0,312.28,none,0,0,0,moderate_burden
Niger,2021,rural,male,46,45-54,second,tertiary,employed_informal,9.9,5.5,1,current,Ecobank,1,0,185.07,none,1,0,0,moderate_burden
Malawi,2019,urban,male,30,25-34,lowest,none,employed_informal,7.6,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2024,rural,male,67,55+,fourth,secondary,unemployed,21.9,8.8,1,current,Ecobank,4,0,1217.55,none,0,0,0,moderate_burden
Rwanda,2022,urban,female,22,18-24,lowest,none,unemployed,5.5,0.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2019,rural,female,33,25-34,highest,none,self_employed,29.1,3.7,1,savings,Access Bank,2,0,1839.25,none,0,0,0,moderate_burden
Mozambique,2020,rural,male,35,25-34,middle,secondary,self_employed,46.4,0.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2024,rural,female,72,55+,lowest,secondary,employed_informal,1.9,8.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2021,urban,male,42,35-44,middle,secondary,employed_formal,6.9,0.0,1,savings,Coris Bank,1,0,458.18,none,0,1,0,moderate_burden
Senegal,2023,rural,male,25,18-24,second,secondary,student,14.4,4.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2021,rural,female,44,35-44,fourth,secondary,student,11.7,6.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2021,rural,female,37,35-44,middle,primary,employed_informal,3.3,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2024,rural,female,28,25-34,lowest,secondary,unemployed,1.0,11.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2021,rural,male,54,45-54,fourth,primary,self_employed,32.9,5.3,1,current,BHS,1,0,992.75,none,0,0,0,moderate_burden
Malawi,2021,urban,male,47,45-54,lowest,secondary,unemployed,2.8,1.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2020,rural,male,64,55+,second,secondary,self_employed,34.9,15.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2022,rural,female,44,35-44,highest,tertiary,student,8.9,17.6,1,current,FNB,2,0,10946.64,none,0,0,0,moderate_burden
Senegal,2024,rural,male,35,25-34,second,secondary,employed_formal,2.3,1.1,1,savings,CBAO,2,0,95.85,none,0,1,0,moderate_burden
Rwanda,2021,urban,male,68,55+,fourth,primary,student,0.0,2.6,1,savings,I&M Bank,2,0,1473.74,none,0,1,0,moderate_burden
Mozambique,2019,urban,male,20,18-24,second,secondary,employed_informal,11.0,2.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2019,rural,female,38,35-44,highest,none,self_employed,7.5,1.0,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Kenya,2021,rural,female,58,55+,second,secondary,employed_informal,5.0,23.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2018,urban,male,72,55+,middle,primary,self_employed,0.2,2.4,1,fixed_deposit,Sonibank,2,0,701.63,none,0,0,0,moderate_burden
Nigeria,2023,rural,female,39,35-44,second,primary,student,4.6,2.7,1,current,First Bank,0,10,0.0,none,0,1,0,moderate_burden
Mali,2019,rural,female,69,55+,second,secondary,unemployed,6.9,3.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2024,rural,male,36,35-44,lowest,secondary,self_employed,8.0,5.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2023,rural,female,70,55+,second,primary,self_employed,11.5,10.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Malawi,2020,urban,male,26,25-34,lowest,none,self_employed,0.7,1.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2022,urban,female,41,35-44,second,secondary,unemployed,0.3,0.9,1,savings,First National Bank,1,0,165.04,none,0,1,1,moderate_burden
Nigeria,2020,urban,female,19,18-24,second,primary,employed_informal,17.2,0.3,1,current,UBA,3,0,241.09,none,0,1,1,moderate_burden
Mozambique,2018,urban,male,46,45-54,second,primary,student,2.7,0.3,1,savings,Millennium BIM,1,0,1888.06,none,0,1,0,moderate_burden
Tanzania,2018,urban,male,34,25-34,lowest,primary,self_employed,4.3,2.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2024,rural,female,18,18-24,second,none,employed_formal,2.3,2.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2019,rural,female,28,25-34,fourth,secondary,employed_informal,11.1,9.1,1,salary_account,Stanbic,3,0,522.77,none,0,1,1,moderate_burden
Senegal,2024,rural,female,49,45-54,second,primary,employed_informal,18.3,21.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2018,rural,female,26,25-34,lowest,primary,unemployed,0.2,20.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2021,rural,female,51,45-54,fourth,none,unemployed,25.0,5.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2019,urban,male,30,25-34,lowest,secondary,self_employed,5.0,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2024,rural,female,41,35-44,highest,secondary,employed_informal,10.8,0.0,1,fixed_deposit,Absa,0,5,0.0,none,0,0,0,moderate_burden
Kenya,2023,urban,female,72,55+,highest,none,employed_informal,0.6,0.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2020,rural,male,34,25-34,middle,tertiary,unemployed,3.8,3.0,1,savings,Ecobank,3,0,450.02,none,0,1,0,moderate_burden
Mali,2022,rural,male,72,55+,highest,primary,employed_informal,8.1,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2023,rural,male,63,55+,second,primary,self_employed,4.9,3.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2018,rural,female,26,25-34,middle,tertiary,employed_informal,6.7,1.7,1,savings,Absa,2,0,414.91,none,0,1,0,moderate_burden
Nigeria,2025,urban,female,56,55+,highest,primary,employed_formal,1.2,0.6,1,current,UBA,0,8,0.0,none,1,1,0,moderate_burden
Zambia,2024,rural,female,26,25-34,middle,primary,unemployed,9.1,9.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2020,rural,female,42,35-44,middle,none,self_employed,23.0,2.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2022,rural,male,61,55+,highest,primary,self_employed,0.3,3.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2018,rural,female,68,55+,lowest,primary,student,18.9,5.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2022,rural,male,19,18-24,second,none,employed_informal,9.4,4.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2021,rural,male,29,25-34,highest,primary,employed_informal,24.0,14.3,1,current,Stanbic,3,0,2312.4,none,0,0,0,moderate_burden
Kenya,2021,urban,male,33,25-34,highest,primary,self_employed,0.4,1.7,1,current,NCBA,1,0,887.16,none,0,0,1,moderate_burden
DRC,2018,urban,male,45,35-44,lowest,none,unemployed,10.9,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,urban,male,71,55+,lowest,primary,self_employed,0.4,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2021,urban,male,46,45-54,fourth,primary,employed_formal,0.4,0.2,1,fixed_deposit,GCB,0,14,0.0,none,0,0,1,moderate_burden
South Africa,2023,rural,male,41,35-44,fourth,primary,employed_informal,19.3,9.3,1,savings,Absa,1,0,507.49,none,0,0,0,moderate_burden
Nigeria,2025,urban,female,70,55+,lowest,primary,student,4.7,0.4,1,savings,GTBank,1,0,140.39,none,0,1,0,moderate_burden
Uganda,2019,urban,female,58,55+,highest,none,employed_formal,0.5,2.7,1,savings,DFCU,1,0,429.46,none,0,0,0,moderate_burden
Zambia,2021,urban,male,55,45-54,lowest,secondary,employed_informal,6.1,0.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2018,urban,female,61,55+,second,none,self_employed,3.7,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2020,rural,female,42,35-44,lowest,primary,employed_informal,16.0,9.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2025,rural,female,52,45-54,fourth,secondary,employed_informal,5.7,29.8,1,current,UBA,2,0,355.88,none,0,1,0,moderate_burden
Kenya,2025,urban,female,25,18-24,second,none,unemployed,5.0,6.2,1,savings,Equity Bank,2,0,286.78,none,0,1,1,moderate_burden
Mozambique,2025,urban,male,45,35-44,second,none,employed_informal,0.3,4.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2018,rural,male,32,25-34,middle,primary,self_employed,0.5,6.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2020,urban,male,72,55+,lowest,primary,self_employed,1.7,1.6,1,savings,Absa,1,0,47.12,none,0,0,0,moderate_burden
South Africa,2025,rural,male,41,35-44,middle,secondary,self_employed,28.6,7.9,1,current,FNB,0,11,0.0,none,0,1,1,moderate_burden
South Africa,2018,urban,female,45,35-44,lowest,primary,employed_formal,6.2,1.8,1,current,Nedbank,0,10,0.0,none,0,1,0,moderate_burden
Rwanda,2022,rural,male,64,55+,lowest,none,employed_formal,17.8,29.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2025,rural,female,60,55+,highest,primary,self_employed,6.2,0.5,1,savings,Equity BCDC,1,0,659.67,none,0,1,0,moderate_burden
Mozambique,2020,rural,female,26,25-34,highest,none,unemployed,13.2,11.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2019,rural,female,21,18-24,lowest,secondary,employed_formal,47.7,6.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2024,rural,male,57,55+,second,secondary,employed_formal,31.8,7.5,1,salary_account,Absa,0,18,0.0,none,0,1,0,moderate_burden
Tanzania,2024,urban,female,54,45-54,middle,tertiary,unemployed,0.9,0.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2024,rural,male,47,45-54,middle,tertiary,employed_formal,16.0,3.6,1,savings,Equity BCDC,3,0,912.47,none,1,1,0,moderate_burden
South Africa,2023,rural,male,74,55+,second,primary,employed_informal,44.0,7.6,1,current,Standard Bank,3,0,1095.51,none,0,1,0,moderate_burden
Nigeria,2018,rural,female,19,18-24,fourth,secondary,employed_informal,33.1,4.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2025,urban,female,54,45-54,lowest,secondary,self_employed,1.8,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2020,rural,female,60,55+,second,tertiary,employed_formal,8.1,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2019,rural,female,22,18-24,highest,primary,self_employed,1.3,4.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2023,rural,female,35,25-34,middle,tertiary,employed_formal,47.6,2.0,1,current,BCDC,3,0,503.0,none,0,1,0,moderate_burden
Kenya,2024,rural,female,59,55+,lowest,primary,employed_formal,17.9,2.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2020,rural,female,62,55+,middle,secondary,employed_informal,3.5,3.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Niger,2022,rural,female,51,45-54,lowest,primary,employed_informal,5.4,2.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2020,rural,female,38,35-44,fourth,primary,employed_informal,0.7,3.3,1,savings,KCB,2,0,1698.58,none,0,0,0,moderate_burden
Mali,2024,urban,male,61,55+,fourth,secondary,employed_informal,3.6,0.7,1,savings,Coris Bank,1,0,609.37,none,1,0,1,moderate_burden
Rwanda,2018,rural,male,60,55+,lowest,secondary,employed_formal,25.3,19.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2022,urban,female,37,35-44,middle,secondary,employed_informal,7.8,2.2,1,current,Ecobank,4,0,293.89,none,0,0,1,moderate_burden
Zambia,2025,rural,male,47,45-54,second,tertiary,unemployed,45.1,6.3,1,savings,Zanaco,2,0,266.23,none,0,1,0,moderate_burden
Ethiopia,2019,rural,female,27,25-34,second,secondary,employed_informal,7.4,26.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2018,urban,male,47,45-54,middle,none,employed_informal,0.8,0.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2024,rural,male,69,55+,second,primary,employed_formal,21.4,6.9,1,savings,Absa,1,0,383.81,none,0,0,0,moderate_burden
Niger,2021,urban,female,55,45-54,highest,primary,unemployed,1.7,0.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2024,rural,male,24,18-24,middle,secondary,employed_formal,46.1,2.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2018,rural,female,58,55+,second,primary,employed_informal,10.5,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2023,urban,male,62,55+,middle,secondary,employed_informal,3.7,0.6,1,savings,BMCD,0,1,0.0,none,1,1,0,moderate_burden
Rwanda,2020,rural,female,69,55+,lowest,primary,employed_informal,0.3,2.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2021,urban,female,39,35-44,second,secondary,employed_informal,1.8,4.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2019,urban,female,51,45-54,lowest,tertiary,employed_informal,0.7,2.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ethiopia,2018,rural,female,18,18-24,lowest,secondary,employed_informal,0.2,5.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2025,rural,female,52,45-54,highest,primary,employed_informal,6.5,4.3,1,savings,Capitec,1,0,1080.34,none,1,0,0,moderate_burden
Nigeria,2019,rural,male,36,35-44,lowest,primary,self_employed,34.2,13.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2019,rural,female,30,25-34,lowest,tertiary,self_employed,92.4,8.0,1,savings,Capitec,1,0,217.36,none,0,0,1,moderate_burden
Kenya,2025,urban,male,64,55+,second,secondary,unemployed,3.1,1.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ethiopia,2022,rural,male,34,25-34,lowest,secondary,employed_informal,2.2,0.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Niger,2022,rural,female,39,35-44,lowest,primary,student,14.6,8.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2024,urban,female,24,18-24,fourth,primary,unemployed,0.3,1.0,1,current,GCB,2,0,516.99,none,1,0,0,moderate_burden
Ghana,2019,urban,female,22,18-24,lowest,primary,self_employed,3.6,2.6,1,current,Fidelity,2,0,260.35,none,0,0,1,moderate_burden
DRC,2021,rural,male,74,55+,fourth,primary,employed_informal,14.5,9.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2020,urban,female,58,55+,second,secondary,unemployed,0.4,4.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2018,rural,male,74,55+,middle,none,employed_informal,49.8,5.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2025,rural,female,74,55+,lowest,primary,self_employed,4.5,0.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2022,urban,female,50,45-54,second,secondary,unemployed,2.4,0.2,1,savings,BCDC,1,0,471.97,none,0,1,1,moderate_burden
Niger,2018,rural,female,28,25-34,second,tertiary,unemployed,6.7,8.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2021,urban,female,38,35-44,lowest,tertiary,employed_informal,7.7,0.6,1,fixed_deposit,Absa,3,0,301.18,none,0,1,0,moderate_burden
Nigeria,2025,rural,male,51,45-54,fourth,none,self_employed,6.1,8.7,1,savings,Access Bank,0,17,0.0,none,0,0,0,moderate_burden
Nigeria,2021,urban,male,22,18-24,fourth,primary,employed_informal,0.7,1.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2019,rural,female,69,55+,middle,secondary,employed_formal,2.0,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2018,rural,male,26,25-34,highest,tertiary,employed_formal,5.6,24.5,1,savings,NBS Bank,1,0,427.27,none,0,1,0,moderate_burden
Mozambique,2019,rural,female,39,35-44,middle,primary,unemployed,12.5,6.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,rural,female,24,18-24,lowest,secondary,unemployed,9.0,16.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2023,urban,male,25,18-24,lowest,tertiary,employed_formal,4.9,3.8,1,current,GCB,2,0,181.43,none,0,1,1,moderate_burden
Uganda,2019,urban,male,59,55+,lowest,none,employed_informal,5.8,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2023,rural,male,37,35-44,fourth,secondary,student,22.5,16.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2022,urban,male,20,18-24,middle,none,self_employed,4.1,1.0,1,savings,Nedbank,4,0,549.82,none,0,1,1,moderate_burden
Nigeria,2020,urban,male,45,35-44,second,secondary,employed_formal,5.9,3.1,1,current,Zenith Bank,1,0,312.85,none,0,0,0,moderate_burden
Tanzania,2021,urban,male,58,55+,fourth,primary,employed_informal,4.3,1.1,1,savings,Absa,4,0,485.66,none,0,0,0,moderate_burden
Tanzania,2025,rural,female,58,55+,second,primary,unemployed,52.5,7.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2020,rural,female,34,25-34,fourth,tertiary,employed_informal,18.0,4.8,1,savings,Centenary,0,4,0.0,none,0,0,0,moderate_burden
Ghana,2019,urban,male,42,35-44,lowest,primary,unemployed,1.5,0.8,1,savings,Fidelity,3,0,837.18,none,0,1,0,moderate_burden
Ghana,2021,rural,female,29,25-34,highest,tertiary,employed_informal,9.8,11.4,1,savings,Ecobank,1,0,1527.17,none,0,0,0,moderate_burden
Malawi,2021,urban,female,69,55+,second,secondary,employed_informal,1.4,3.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2018,urban,male,67,55+,fourth,tertiary,employed_informal,3.7,0.7,1,fixed_deposit,DFCU,0,1,0.0,none,0,1,0,moderate_burden
DRC,2025,urban,female,56,55+,middle,primary,employed_informal,0.3,0.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2022,urban,female,20,18-24,second,secondary,self_employed,1.7,0.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Niger,2018,rural,male,64,55+,lowest,tertiary,employed_informal,14.8,5.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2021,rural,male,39,35-44,fourth,primary,self_employed,15.9,5.3,1,current,Ecobank,2,0,2029.08,none,0,0,0,moderate_burden
Kenya,2024,rural,female,18,18-24,lowest,secondary,unemployed,8.7,3.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,urban,male,27,25-34,fourth,secondary,self_employed,2.3,0.4,1,savings,BAK,0,17,0.0,none,0,0,1,moderate_burden
Nigeria,2019,rural,female,47,45-54,fourth,tertiary,unemployed,34.2,4.1,1,savings,Access Bank,2,0,341.8,none,0,0,0,moderate_burden
Ethiopia,2023,rural,female,36,35-44,highest,secondary,self_employed,8.9,26.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2022,urban,male,66,55+,middle,none,self_employed,0.1,0.2,1,savings,Absa,4,0,628.11,none,0,1,1,moderate_burden
Mali,2019,rural,female,66,55+,lowest,secondary,employed_informal,6.3,11.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2025,rural,male,73,55+,middle,none,employed_formal,5.1,3.2,1,savings,Nedbank,0,10,0.0,none,0,1,1,moderate_burden
Malawi,2025,rural,female,63,55+,second,secondary,employed_informal,4.7,13.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2023,rural,male,53,45-54,second,tertiary,employed_formal,13.8,5.0,1,salary_account,Bank of Kigali,1,0,652.58,none,0,0,0,moderate_burden
Kenya,2024,urban,female,55,45-54,highest,tertiary,employed_informal,0.9,1.0,1,savings,Equity Bank,1,0,4101.43,none,0,0,1,moderate_burden
Ethiopia,2023,urban,male,59,55+,middle,tertiary,unemployed,2.3,1.2,1,salary_account,Awash Bank,0,17,0.0,none,0,0,1,moderate_burden
Malawi,2018,rural,female,42,35-44,fourth,secondary,student,15.7,2.9,1,savings,Standard Bank,1,0,386.1,none,0,0,0,moderate_burden
Mozambique,2019,urban,female,61,55+,middle,primary,self_employed,3.8,1.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Uganda,2023,rural,male,70,55+,lowest,secondary,self_employed,9.6,1.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2023,urban,male,53,45-54,middle,secondary,student,7.1,3.0,1,current,Stanbic,1,0,134.49,none,0,1,1,moderate_burden
Nigeria,2024,rural,male,55,45-54,second,primary,employed_informal,71.1,0.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2022,rural,male,49,45-54,highest,secondary,unemployed,4.0,9.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2020,urban,female,24,18-24,second,secondary,employed_informal,2.8,5.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2025,urban,male,62,55+,lowest,secondary,unemployed,2.8,1.4,1,savings,Société Générale,2,0,281.04,none,0,0,0,moderate_burden
Tanzania,2018,urban,female,71,55+,second,primary,employed_informal,3.6,0.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2021,urban,male,30,25-34,lowest,tertiary,student,5.4,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2024,rural,male,71,55+,highest,primary,employed_informal,15.9,8.8,1,savings,Absa,2,0,7636.91,none,0,0,0,moderate_burden
Mozambique,2021,urban,female,69,55+,highest,tertiary,employed_formal,10.1,1.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2022,rural,female,44,35-44,fourth,tertiary,self_employed,42.6,2.6,1,savings,Ecobank,0,15,0.0,none,0,1,0,moderate_burden
Ethiopia,2019,rural,female,66,55+,second,secondary,unemployed,4.0,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2020,rural,male,22,18-24,highest,none,unemployed,25.5,7.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,rural,male,46,45-54,middle,primary,employed_formal,5.4,4.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2019,rural,female,64,55+,second,secondary,employed_informal,4.2,1.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2021,rural,male,52,45-54,lowest,primary,employed_formal,1.7,27.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2019,rural,female,25,18-24,fourth,tertiary,employed_informal,1.3,2.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2021,rural,female,69,55+,middle,secondary,employed_informal,18.8,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2024,urban,female,62,55+,lowest,secondary,student,0.7,2.9,1,current,Standard Bank,1,0,282.84,none,0,0,1,moderate_burden
Nigeria,2022,urban,male,47,45-54,fourth,secondary,self_employed,3.5,2.0,1,current,GTBank,2,0,207.53,none,0,0,0,moderate_burden
Zambia,2023,rural,male,74,55+,lowest,secondary,employed_informal,10.0,2.9,1,current,Stanbic,2,0,689.87,none,0,1,0,moderate_burden
Mali,2024,urban,male,53,45-54,fourth,primary,unemployed,5.6,3.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2021,urban,male,67,55+,second,none,self_employed,5.3,2.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2020,rural,female,67,55+,fourth,primary,unemployed,5.5,0.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2018,rural,female,30,25-34,middle,primary,self_employed,0.3,4.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2023,urban,female,19,18-24,second,tertiary,employed_formal,7.9,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2022,urban,female,71,55+,highest,primary,employed_informal,0.1,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2021,urban,male,19,18-24,highest,primary,employed_formal,0.4,0.1,1,current,Ecobank,1,0,767.57,none,0,1,0,moderate_burden
Rwanda,2021,urban,male,18,18-24,fourth,primary,student,0.4,4.9,1,savings,Ecobank,2,0,1057.48,none,0,1,0,moderate_burden
Ethiopia,2018,rural,male,38,35-44,middle,primary,unemployed,3.8,10.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2023,urban,female,41,35-44,second,secondary,employed_informal,2.0,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2023,rural,female,38,35-44,lowest,secondary,unemployed,59.2,10.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2024,urban,female,66,55+,fourth,none,employed_informal,4.4,3.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2023,urban,female,73,55+,lowest,none,student,11.5,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2019,rural,male,35,25-34,middle,primary,self_employed,0.2,14.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2025,urban,female,68,55+,middle,none,self_employed,0.2,2.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2018,rural,male,53,45-54,second,secondary,unemployed,10.6,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,urban,female,66,55+,fourth,tertiary,unemployed,1.4,1.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2025,rural,female,53,45-54,lowest,secondary,unemployed,3.3,2.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2023,urban,female,18,18-24,lowest,secondary,employed_informal,3.6,7.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2023,rural,female,70,55+,lowest,primary,employed_informal,13.1,4.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2024,urban,male,51,45-54,fourth,secondary,unemployed,4.9,0.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2018,urban,male,24,18-24,fourth,none,self_employed,4.4,3.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2025,rural,male,36,35-44,second,secondary,self_employed,4.6,10.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2023,urban,male,73,55+,middle,none,employed_formal,4.0,5.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2019,urban,female,40,35-44,fourth,secondary,employed_formal,5.5,0.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Malawi,2023,urban,male,20,18-24,lowest,secondary,student,0.6,1.4,1,savings,FDH Bank,1,0,127.37,none,0,1,1,moderate_burden
Uganda,2025,urban,male,71,55+,middle,tertiary,self_employed,0.6,1.8,1,savings,DFCU,3,0,444.07,none,1,0,0,moderate_burden
Zambia,2022,urban,female,62,55+,second,secondary,employed_informal,1.9,0.1,1,savings,Absa,0,7,0.0,none,0,1,0,moderate_burden
Nigeria,2020,rural,male,35,25-34,middle,primary,employed_formal,20.4,3.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2022,urban,female,18,18-24,highest,primary,self_employed,0.1,1.0,1,current,Equity Bank,2,0,2532.6,none,0,1,0,moderate_burden
Nigeria,2024,urban,male,48,45-54,second,secondary,employed_informal,3.1,1.5,1,current,GTBank,4,0,344.81,none,0,0,1,moderate_burden
Rwanda,2025,rural,female,28,25-34,fourth,primary,unemployed,5.7,12.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2023,urban,female,22,18-24,lowest,primary,self_employed,1.5,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2021,rural,female,28,25-34,highest,primary,employed_informal,12.8,0.5,1,salary_account,Standard Bank,2,0,1457.32,none,0,0,0,moderate_burden
Tanzania,2018,urban,male,59,55+,fourth,primary,self_employed,4.2,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2023,urban,female,33,25-34,middle,none,employed_formal,0.1,1.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2024,rural,female,28,25-34,lowest,secondary,employed_informal,10.5,5.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2018,rural,female,48,45-54,lowest,none,employed_informal,34.0,4.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,urban,male,64,55+,second,primary,employed_formal,3.1,3.1,1,savings,DFCU,0,23,0.0,none,0,1,0,moderate_burden
Rwanda,2024,rural,male,29,25-34,highest,primary,employed_informal,29.8,2.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2022,rural,female,70,55+,lowest,primary,self_employed,3.3,8.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2024,rural,male,64,55+,middle,primary,self_employed,9.5,3.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2025,rural,male,62,55+,middle,primary,employed_informal,5.4,7.6,1,savings,Stanbic,4,0,794.8,none,0,0,0,moderate_burden
Nigeria,2025,rural,male,63,55+,fourth,secondary,self_employed,55.1,4.2,1,salary_account,GTBank,3,0,287.28,none,0,1,0,moderate_burden
DRC,2021,urban,female,55,45-54,lowest,primary,unemployed,1.3,1.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2018,urban,male,61,55+,highest,primary,unemployed,0.7,0.0,1,savings,Stanbic,1,0,2633.66,none,0,1,0,moderate_burden
Niger,2018,rural,female,22,18-24,second,primary,self_employed,17.2,7.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2022,urban,female,57,55+,lowest,secondary,employed_informal,2.4,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2018,rural,female,61,55+,second,primary,employed_formal,1.8,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2019,urban,male,25,18-24,second,none,student,4.8,2.1,1,current,FBNBank,2,0,90.81,none,0,0,1,moderate_burden
Kenya,2022,urban,female,65,55+,lowest,tertiary,self_employed,4.3,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2023,urban,female,66,55+,lowest,none,employed_informal,3.5,4.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2019,urban,male,57,55+,highest,primary,unemployed,1.0,4.4,1,savings,Awash Bank,1,0,592.41,none,0,0,0,moderate_burden
Mali,2019,rural,female,49,45-54,second,none,self_employed,25.1,6.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2025,urban,male,60,55+,middle,primary,self_employed,12.0,0.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2024,urban,female,40,35-44,lowest,primary,employed_informal,0.5,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2022,urban,male,67,55+,lowest,tertiary,self_employed,1.2,0.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2021,urban,male,64,55+,lowest,secondary,employed_formal,0.5,4.7,1,savings,Centenary,1,0,91.68,none,0,0,0,moderate_burden
Ghana,2019,urban,female,55,45-54,second,none,employed_informal,2.8,0.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2020,rural,female,58,55+,fourth,secondary,self_employed,3.3,4.6,1,savings,BCDC,0,13,0.0,none,0,1,0,moderate_burden
Ethiopia,2021,rural,female,45,35-44,lowest,none,employed_formal,5.8,11.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2022,rural,male,22,18-24,lowest,none,employed_informal,14.1,5.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2021,rural,female,20,18-24,highest,secondary,employed_formal,21.1,10.2,1,savings,Stanbic,4,0,593.02,none,0,0,0,moderate_burden
Mali,2025,rural,female,45,35-44,second,none,employed_formal,24.1,17.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2025,urban,male,24,18-24,highest,tertiary,employed_formal,0.9,0.4,1,salary_account,Standard Bank,1,0,2540.61,none,1,0,0,moderate_burden
Uganda,2023,urban,female,62,55+,middle,none,employed_formal,0.7,3.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2020,urban,male,22,18-24,fourth,tertiary,self_employed,1.6,0.7,1,salary_account,Stanbic,1,0,1025.76,none,0,1,0,moderate_burden
Ghana,2020,rural,male,50,45-54,middle,primary,employed_informal,2.8,2.3,1,fixed_deposit,Stanbic,3,0,210.6,none,0,0,0,moderate_burden
Tanzania,2019,rural,male,63,55+,fourth,primary,student,15.3,7.2,1,savings,Stanbic,1,0,630.65,none,0,0,1,moderate_burden
Mozambique,2022,rural,male,21,18-24,second,primary,self_employed,2.9,32.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2023,urban,female,32,25-34,lowest,primary,employed_informal,0.1,2.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2024,rural,female,49,45-54,lowest,secondary,self_employed,14.7,3.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2023,urban,male,60,55+,second,primary,self_employed,4.4,0.8,1,savings,FDH Bank,4,0,246.97,none,0,0,0,moderate_burden
Senegal,2020,urban,female,55,45-54,highest,tertiary,employed_informal,0.6,0.8,1,current,CBAO,0,13,0.0,none,0,0,0,moderate_burden
Ghana,2025,rural,female,60,55+,middle,primary,employed_formal,12.2,0.2,1,current,Ecobank,2,0,1415.13,none,0,0,0,moderate_burden
Tanzania,2025,rural,male,31,25-34,lowest,secondary,self_employed,21.7,1.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,rural,female,21,18-24,lowest,none,employed_informal,1.8,9.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2019,urban,male,47,45-54,fourth,primary,self_employed,0.0,2.8,1,savings,NMB,4,0,1429.8,none,0,1,1,moderate_burden
Ethiopia,2020,urban,male,36,35-44,fourth,none,employed_informal,9.3,2.2,1,savings,Commercial Bank of Ethiopia,3,0,2484.14,none,0,0,1,moderate_burden
Kenya,2019,urban,male,70,55+,second,none,employed_formal,0.6,0.3,1,savings,NCBA,3,0,625.99,none,0,0,1,moderate_burden
Mozambique,2019,urban,female,18,18-24,lowest,none,employed_informal,1.5,1.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2020,rural,female,65,55+,highest,tertiary,student,12.8,16.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,rural,female,56,55+,highest,primary,unemployed,12.3,3.8,1,savings,FNB,1,0,3754.2,none,0,0,0,moderate_burden
Kenya,2018,rural,female,33,25-34,middle,secondary,unemployed,2.9,1.4,1,current,Cooperative Bank,0,15,0.0,none,1,0,0,moderate_burden
Kenya,2019,urban,female,20,18-24,middle,tertiary,student,2.2,0.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2023,urban,male,25,18-24,fourth,secondary,employed_formal,2.4,2.1,1,savings,Awash Bank,2,0,222.69,none,0,0,0,moderate_burden
Zambia,2019,rural,male,74,55+,fourth,none,employed_informal,1.4,3.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2024,urban,male,20,18-24,highest,secondary,self_employed,7.9,2.6,1,current,BHS,0,7,0.0,none,0,0,0,moderate_burden
Senegal,2018,urban,female,48,45-54,lowest,secondary,employed_informal,4.4,2.4,1,savings,CBAO,2,0,145.53,none,0,1,1,moderate_burden
South Africa,2018,urban,female,64,55+,highest,primary,employed_informal,8.1,3.1,1,fixed_deposit,Capitec,0,20,0.0,none,1,1,1,moderate_burden
South Africa,2018,urban,male,35,25-34,highest,primary,unemployed,0.9,1.4,1,current,Nedbank,4,0,5106.76,none,0,0,0,moderate_burden
DRC,2025,urban,male,36,35-44,second,secondary,self_employed,0.4,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2019,urban,male,24,18-24,lowest,primary,student,1.5,0.5,1,savings,First National Bank,1,0,148.47,none,0,1,1,moderate_burden
Zambia,2021,urban,female,72,55+,second,tertiary,student,2.7,2.2,1,savings,Stanbic,3,0,463.57,none,0,1,0,moderate_burden
DRC,2024,urban,male,53,45-54,second,secondary,employed_formal,1.8,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2025,urban,male,20,18-24,middle,secondary,unemployed,0.6,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2019,rural,male,45,35-44,middle,secondary,self_employed,3.9,28.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2020,rural,female,21,18-24,fourth,none,employed_informal,14.9,1.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2023,rural,male,23,18-24,second,secondary,employed_informal,5.1,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2019,urban,female,22,18-24,second,none,employed_informal,1.4,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2020,rural,female,41,35-44,middle,secondary,employed_informal,14.6,17.7,1,savings,BDM,3,0,309.17,none,0,1,0,moderate_burden
Ghana,2023,urban,female,35,25-34,lowest,secondary,employed_informal,19.3,5.5,1,savings,Stanbic,2,0,100.2,none,1,1,0,moderate_burden
Kenya,2021,urban,female,35,25-34,highest,secondary,self_employed,0.9,0.6,1,savings,NCBA,0,13,0.0,none,0,0,0,moderate_burden
Kenya,2018,urban,male,24,18-24,second,tertiary,self_employed,1.5,2.1,1,savings,Stanbic,1,0,2301.76,none,0,1,0,moderate_burden
Uganda,2021,rural,male,48,45-54,highest,primary,employed_informal,13.2,14.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2020,rural,male,36,35-44,fourth,secondary,employed_informal,40.0,4.4,1,savings,NBC,0,2,0.0,none,0,1,0,moderate_burden
Rwanda,2022,rural,male,49,45-54,fourth,secondary,unemployed,48.2,10.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2019,urban,male,55,45-54,fourth,primary,unemployed,1.7,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2025,urban,female,43,35-44,second,primary,employed_formal,5.6,1.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2025,rural,female,38,35-44,lowest,tertiary,self_employed,14.3,3.9,1,savings,Awash Bank,1,0,172.77,none,0,1,1,moderate_burden
Tanzania,2018,rural,male,72,55+,lowest,primary,unemployed,57.2,3.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2020,urban,female,18,18-24,middle,none,unemployed,6.5,1.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,urban,male,31,25-34,highest,primary,self_employed,3.6,0.1,1,current,Awash Bank,4,0,5870.11,none,0,0,1,moderate_burden
Zambia,2023,rural,male,51,45-54,middle,secondary,unemployed,0.6,0.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ethiopia,2023,rural,male,73,55+,lowest,secondary,self_employed,32.5,2.7,1,current,Awash Bank,2,0,54.45,none,0,1,0,moderate_burden
Ghana,2019,rural,male,30,25-34,lowest,secondary,unemployed,24.0,2.1,1,savings,Absa,1,0,1653.88,none,0,1,1,moderate_burden
Ghana,2024,rural,male,39,35-44,lowest,primary,student,2.1,44.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
DRC,2022,urban,male,18,18-24,second,none,self_employed,3.7,1.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2023,rural,male,37,35-44,fourth,tertiary,employed_informal,27.2,14.0,1,savings,Ecobank,4,0,2895.74,none,0,0,0,moderate_burden
Malawi,2018,rural,male,28,25-34,fourth,primary,self_employed,2.5,25.1,1,savings,NBS Bank,3,0,456.42,none,0,0,0,moderate_burden
Ghana,2019,urban,male,32,25-34,highest,secondary,self_employed,4.7,0.3,1,savings,Stanbic,2,0,5024.16,none,0,0,1,moderate_burden
Ghana,2019,rural,female,72,55+,second,none,employed_formal,62.9,17.7,1,savings,GCB,0,8,0.0,none,0,1,0,moderate_burden
Rwanda,2023,rural,female,38,35-44,second,primary,employed_informal,4.2,22.0,1,savings,I&M Bank,1,0,301.4,none,0,0,0,moderate_burden
Senegal,2018,rural,female,39,35-44,second,none,student,11.9,5.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2024,urban,male,31,25-34,middle,tertiary,unemployed,1.9,6.7,1,salary_account,CRDB,1,0,270.22,none,0,1,0,moderate_burden
Senegal,2021,rural,female,49,45-54,middle,primary,employed_formal,28.3,10.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2023,rural,female,55,45-54,lowest,primary,self_employed,26.2,2.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2023,rural,male,47,45-54,middle,tertiary,employed_informal,10.2,6.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2021,rural,female,45,35-44,middle,none,employed_formal,24.1,13.1,1,current,BHS,4,0,1012.19,none,1,1,0,moderate_burden
Niger,2025,urban,female,54,45-54,second,tertiary,unemployed,0.3,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2025,rural,female,46,45-54,middle,secondary,employed_informal,15.5,3.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2025,urban,female,66,55+,lowest,primary,student,4.2,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2020,rural,male,63,55+,second,none,employed_informal,40.1,1.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2023,rural,male,66,55+,lowest,tertiary,employed_informal,4.7,5.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2023,rural,female,45,35-44,second,primary,employed_formal,14.1,2.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,rural,male,31,25-34,lowest,tertiary,self_employed,17.9,1.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2018,rural,female,60,55+,fourth,primary,unemployed,13.0,6.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2018,urban,female,34,25-34,second,secondary,unemployed,3.5,0.1,1,salary_account,Bank of Kigali,0,9,0.0,none,0,1,1,moderate_burden
Mali,2021,rural,female,54,45-54,middle,primary,unemployed,29.8,31.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2025,urban,male,41,35-44,lowest,none,employed_informal,8.2,1.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2022,rural,female,18,18-24,fourth,none,unemployed,24.0,10.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2019,urban,male,24,18-24,middle,secondary,employed_informal,3.3,2.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2023,urban,female,72,55+,middle,secondary,self_employed,0.5,0.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2020,urban,male,22,18-24,middle,primary,employed_formal,8.9,0.5,1,fixed_deposit,NBS Bank,1,0,935.13,none,0,1,0,moderate_burden
Mozambique,2020,urban,female,69,55+,second,primary,self_employed,4.3,0.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2022,rural,female,26,25-34,middle,none,unemployed,16.7,5.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2023,rural,female,67,55+,highest,tertiary,self_employed,6.6,20.7,1,current,NBC,1,0,2193.31,none,0,1,0,moderate_burden
South Africa,2022,urban,male,50,45-54,middle,tertiary,unemployed,2.8,0.8,1,salary_account,Capitec,2,0,422.14,none,0,1,0,moderate_burden
South Africa,2018,rural,female,53,45-54,second,secondary,employed_informal,8.2,1.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2019,urban,female,48,45-54,lowest,primary,employed_informal,0.4,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2021,rural,male,44,35-44,lowest,secondary,unemployed,48.5,13.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2021,urban,female,44,35-44,lowest,none,self_employed,2.8,1.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2018,urban,male,33,25-34,second,secondary,employed_formal,6.1,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2024,rural,male,37,35-44,middle,none,unemployed,17.3,0.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2018,rural,female,22,18-24,highest,primary,employed_formal,46.1,19.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2021,urban,female,42,35-44,middle,primary,employed_informal,4.8,3.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2019,urban,female,37,35-44,second,primary,employed_informal,3.5,4.7,1,savings,UBA,0,22,0.0,none,0,1,1,moderate_burden
Niger,2021,rural,female,38,35-44,lowest,secondary,employed_informal,8.3,6.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2019,rural,male,61,55+,lowest,secondary,unemployed,3.3,47.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2025,urban,male,22,18-24,middle,primary,student,2.4,0.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2019,urban,male,29,25-34,middle,secondary,unemployed,2.8,2.4,1,savings,Standard Bank,0,11,0.0,none,0,1,0,moderate_burden
Malawi,2020,rural,male,51,45-54,lowest,none,student,59.0,1.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2020,rural,female,58,55+,highest,secondary,employed_informal,6.5,2.1,1,current,KCB,1,0,3281.32,none,0,0,1,moderate_burden
Tanzania,2023,urban,female,58,55+,middle,none,unemployed,0.3,4.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2022,rural,female,45,35-44,highest,primary,student,79.6,7.1,1,current,NBC,4,0,1520.17,none,1,1,0,moderate_burden
Ethiopia,2021,rural,female,70,55+,fourth,primary,self_employed,10.2,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,rural,male,62,55+,fourth,primary,employed_informal,6.7,7.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2022,rural,male,57,55+,second,primary,employed_formal,21.4,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2018,urban,male,42,35-44,middle,secondary,employed_informal,13.6,3.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2018,rural,male,35,25-34,second,primary,self_employed,24.5,5.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2018,urban,male,65,55+,highest,secondary,student,0.4,0.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2023,rural,male,18,18-24,fourth,primary,self_employed,13.2,2.8,1,fixed_deposit,Ecobank,2,0,690.03,none,0,0,0,moderate_burden
Rwanda,2025,rural,male,59,55+,middle,primary,student,5.3,3.4,1,savings,Ecobank,3,0,535.48,none,0,1,1,moderate_burden
Mali,2018,rural,female,63,55+,lowest,tertiary,self_employed,13.4,9.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2021,rural,male,70,55+,second,primary,employed_informal,2.1,17.9,1,salary_account,KCB,1,0,261.04,none,0,0,0,moderate_burden
Ethiopia,2018,rural,female,45,35-44,lowest,secondary,employed_informal,16.4,15.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2024,urban,male,29,25-34,fourth,primary,employed_formal,5.5,1.0,1,savings,Stanbic,1,0,687.23,none,0,0,0,moderate_burden
Tanzania,2020,rural,female,49,45-54,highest,none,employed_informal,2.4,3.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2020,urban,female,41,35-44,lowest,tertiary,student,3.4,3.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2024,rural,male,44,35-44,lowest,secondary,employed_formal,5.1,20.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2024,rural,female,54,45-54,middle,none,employed_formal,5.6,2.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2023,rural,female,23,18-24,second,secondary,self_employed,0.6,15.3,1,salary_account,Fidelity,0,9,0.0,none,1,0,0,moderate_burden
Uganda,2022,rural,female,26,25-34,middle,none,employed_formal,7.2,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2018,rural,female,46,45-54,second,primary,unemployed,3.2,1.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2025,rural,male,52,45-54,highest,secondary,employed_informal,8.7,2.3,1,savings,Nedbank,1,0,960.65,none,0,0,0,moderate_burden
Mozambique,2019,rural,female,67,55+,fourth,secondary,self_employed,2.7,12.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2020,rural,male,47,45-54,highest,tertiary,self_employed,1.0,0.7,1,savings,Cooperative Bank,0,13,0.0,none,0,0,0,moderate_burden
Nigeria,2018,rural,female,65,55+,highest,secondary,self_employed,15.8,3.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2022,urban,female,25,18-24,lowest,secondary,employed_informal,0.6,3.3,1,savings,CBAO,3,0,121.58,none,0,0,1,moderate_burden
Kenya,2018,rural,male,59,55+,middle,secondary,self_employed,16.5,7.5,1,savings,Cooperative Bank,0,1,0.0,none,0,0,0,moderate_burden
Zambia,2018,rural,female,32,25-34,fourth,tertiary,employed_informal,24.1,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2018,urban,male,56,55+,middle,tertiary,employed_informal,2.0,3.0,1,savings,Equity Bank,1,0,1212.95,none,0,1,1,moderate_burden
Mozambique,2024,urban,female,39,35-44,second,secondary,employed_informal,7.6,0.1,1,current,Millennium BIM,0,8,0.0,none,0,1,0,moderate_burden
Kenya,2019,rural,male,51,45-54,second,none,unemployed,3.7,12.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2019,rural,female,48,45-54,lowest,none,employed_informal,9.4,0.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2022,rural,male,37,35-44,fourth,primary,self_employed,4.4,26.0,1,salary_account,Absa,1,0,5619.69,none,1,1,0,moderate_burden
Senegal,2025,rural,male,28,25-34,highest,secondary,employed_informal,38.6,6.1,1,salary_account,CBAO,0,13,0.0,none,1,1,0,moderate_burden
Mali,2020,rural,male,29,25-34,second,secondary,unemployed,11.4,3.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2022,urban,female,27,25-34,middle,primary,unemployed,1.2,8.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2023,rural,female,50,45-54,lowest,secondary,employed_formal,3.6,6.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2018,urban,female,53,45-54,highest,primary,unemployed,5.3,3.5,1,current,Awash Bank,1,0,19343.45,none,0,1,1,moderate_burden
Malawi,2021,urban,male,61,55+,middle,tertiary,unemployed,6.8,0.6,1,salary_account,NBS Bank,1,0,1633.03,none,0,0,0,moderate_burden
Tanzania,2019,urban,female,23,18-24,highest,secondary,self_employed,5.5,0.3,1,fixed_deposit,Absa,1,0,936.01,none,0,1,0,moderate_burden
Mozambique,2019,rural,male,25,18-24,second,secondary,self_employed,4.9,2.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2025,rural,female,61,55+,fourth,primary,unemployed,11.6,34.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2023,rural,female,61,55+,lowest,tertiary,unemployed,56.3,4.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ghana,2024,rural,female,51,45-54,highest,secondary,self_employed,2.8,1.0,1,current,Stanbic,3,0,4347.68,none,0,1,0,moderate_burden
Uganda,2019,rural,female,24,18-24,second,secondary,self_employed,1.6,6.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2019,urban,female,60,55+,middle,none,employed_formal,4.4,3.0,1,current,Nedbank,3,0,267.09,none,1,0,0,moderate_burden
Ghana,2024,rural,female,74,55+,fourth,secondary,student,1.0,17.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2023,urban,female,31,25-34,middle,secondary,employed_informal,0.2,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2018,urban,male,52,45-54,second,none,student,0.3,0.2,1,salary_account,FNB,2,0,704.56,none,0,1,0,moderate_burden
Mali,2024,urban,male,68,55+,fourth,none,self_employed,3.6,2.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2022,urban,male,48,45-54,middle,secondary,self_employed,1.3,0.5,1,current,BMCD,1,0,1243.51,none,0,0,1,moderate_burden
Rwanda,2020,urban,female,47,45-54,highest,primary,self_employed,0.1,0.7,1,current,Bank of Kigali,0,13,0.0,none,1,1,0,moderate_burden
Mozambique,2021,rural,female,60,55+,lowest,tertiary,employed_formal,8.6,11.5,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ghana,2019,rural,male,38,35-44,second,primary,employed_informal,12.9,5.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2018,rural,female,49,45-54,highest,secondary,employed_informal,12.8,1.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2020,urban,male,35,25-34,middle,primary,employed_formal,3.7,0.4,1,savings,Bank of Kigali,0,19,0.0,none,0,0,0,moderate_burden
Malawi,2019,urban,male,65,55+,second,secondary,student,1.6,1.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2023,rural,male,73,55+,lowest,none,self_employed,13.6,8.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2024,rural,male,23,18-24,highest,tertiary,employed_informal,8.0,17.2,1,current,Absa,0,11,0.0,none,0,0,0,moderate_burden
Uganda,2023,rural,female,42,35-44,middle,secondary,self_employed,10.6,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2022,rural,female,43,35-44,middle,primary,unemployed,28.2,9.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2025,urban,female,28,25-34,middle,none,unemployed,2.4,2.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,urban,female,74,55+,highest,primary,self_employed,2.5,0.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2025,rural,female,28,25-34,lowest,none,employed_informal,7.4,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2018,rural,male,43,35-44,second,primary,employed_informal,43.2,1.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2019,urban,male,38,35-44,lowest,secondary,employed_informal,0.3,0.4,1,savings,Moza Banco,4,0,148.99,none,0,1,0,moderate_burden
Kenya,2024,urban,female,29,25-34,lowest,none,unemployed,0.7,0.5,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2021,rural,male,68,55+,highest,secondary,self_employed,21.9,10.4,1,savings,Rawbank,2,0,2215.95,none,0,0,0,moderate_burden
South Africa,2018,urban,female,50,45-54,lowest,primary,self_employed,2.0,0.3,1,savings,Absa,1,0,50.94,none,0,1,1,moderate_burden
Ethiopia,2023,urban,female,48,45-54,highest,secondary,employed_formal,6.1,3.5,1,savings,Dashen Bank,1,0,1217.32,none,0,1,0,moderate_burden
Ethiopia,2023,urban,female,74,55+,fourth,secondary,employed_formal,0.7,3.0,1,savings,Awash Bank,0,5,0.0,none,0,1,0,moderate_burden
South Africa,2024,rural,male,46,45-54,fourth,primary,self_employed,19.5,13.8,1,savings,FNB,2,0,1230.56,none,0,1,0,moderate_burden
Kenya,2020,rural,female,41,35-44,second,primary,student,3.2,3.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2022,rural,male,22,18-24,lowest,tertiary,unemployed,5.1,6.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2022,rural,male,65,55+,lowest,tertiary,unemployed,3.3,7.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2021,rural,male,38,35-44,lowest,none,employed_formal,9.7,10.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2020,rural,male,47,45-54,second,secondary,employed_informal,9.8,7.7,1,fixed_deposit,Société Générale,4,0,587.24,none,0,1,0,moderate_burden
Ghana,2022,rural,female,45,35-44,middle,primary,self_employed,40.7,17.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2019,rural,male,52,45-54,lowest,primary,self_employed,7.9,6.4,1,current,Ecobank,0,20,0.0,none,0,1,0,moderate_burden
Senegal,2024,urban,male,66,55+,lowest,none,employed_informal,5.1,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2019,rural,male,32,25-34,lowest,primary,student,3.0,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2020,rural,male,58,55+,second,primary,employed_informal,21.2,3.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,urban,male,50,45-54,second,none,unemployed,3.7,2.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2018,rural,male,54,45-54,highest,tertiary,self_employed,17.0,3.2,1,fixed_deposit,First Bank,1,0,654.45,none,0,0,0,moderate_burden
Mozambique,2024,rural,female,65,55+,second,tertiary,employed_informal,5.8,6.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2021,urban,male,39,35-44,highest,secondary,student,0.3,1.4,1,salary_account,Rawbank,2,0,3932.69,none,0,0,0,moderate_burden
Mali,2019,rural,female,18,18-24,second,secondary,self_employed,9.6,2.1,1,savings,Coris Bank,1,0,464.8,none,0,0,1,moderate_burden
Nigeria,2019,rural,male,42,35-44,lowest,tertiary,self_employed,2.1,6.2,1,savings,First Bank,0,16,0.0,none,0,0,0,moderate_burden
Ghana,2020,rural,female,29,25-34,highest,none,employed_formal,49.2,3.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2021,rural,female,26,25-34,middle,tertiary,unemployed,4.4,8.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2024,rural,female,40,35-44,highest,primary,employed_formal,10.7,5.1,1,savings,Société Générale,1,0,1672.19,none,0,0,1,moderate_burden
Nigeria,2024,rural,male,32,25-34,lowest,primary,employed_formal,0.0,19.6,1,savings,Access Bank,2,0,429.38,none,0,0,1,moderate_burden
Mozambique,2025,rural,male,70,55+,lowest,none,self_employed,0.8,7.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2021,rural,male,29,25-34,highest,primary,employed_formal,13.1,4.3,1,salary_account,FDH Bank,3,0,1215.71,none,0,0,0,moderate_burden
Malawi,2020,urban,male,73,55+,lowest,secondary,employed_informal,0.7,0.1,1,savings,National Bank,1,0,363.73,none,0,1,0,moderate_burden
Ethiopia,2018,rural,male,57,55+,fourth,secondary,self_employed,29.9,2.4,1,savings,Dashen Bank,0,10,0.0,none,0,0,0,moderate_burden
Niger,2018,urban,female,20,18-24,middle,none,self_employed,0.4,2.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2022,urban,female,58,55+,middle,tertiary,employed_formal,3.3,1.1,1,savings,Millennium BIM,2,0,658.74,none,0,0,0,moderate_burden
Mali,2025,urban,female,40,35-44,fourth,none,unemployed,0.7,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2022,rural,female,70,55+,highest,tertiary,self_employed,8.5,1.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2020,urban,female,18,18-24,second,secondary,employed_informal,0.5,0.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2019,rural,female,44,35-44,highest,none,unemployed,12.1,15.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2023,rural,female,39,35-44,middle,secondary,employed_informal,41.6,7.4,1,fixed_deposit,First National Bank,1,0,98.04,none,0,0,1,moderate_burden
Kenya,2022,urban,female,65,55+,fourth,primary,employed_informal,10.9,0.2,1,savings,Cooperative Bank,1,0,339.99,none,0,1,0,moderate_burden
Rwanda,2023,rural,female,40,35-44,middle,primary,employed_informal,40.7,10.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2022,rural,male,70,55+,lowest,secondary,self_employed,23.7,4.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2018,urban,female,60,55+,fourth,none,employed_informal,4.8,1.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2025,urban,female,22,18-24,fourth,secondary,employed_informal,0.1,0.3,1,savings,Stanbic,0,7,0.0,none,1,0,0,moderate_burden
Malawi,2018,rural,female,25,18-24,second,secondary,employed_informal,13.4,11.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2020,urban,female,57,55+,fourth,tertiary,self_employed,0.6,1.8,1,current,Stanbic,1,0,3377.18,none,0,1,0,moderate_burden
Ghana,2025,rural,male,37,35-44,second,tertiary,employed_informal,15.5,0.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2024,rural,female,53,45-54,middle,tertiary,student,8.0,12.2,1,savings,Absa,2,0,1385.45,none,1,1,0,moderate_burden
Malawi,2025,urban,female,59,55+,middle,secondary,employed_formal,1.0,1.0,1,current,FDH Bank,1,0,487.42,none,0,1,0,moderate_burden
Ghana,2018,urban,male,69,55+,middle,none,employed_informal,2.5,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2025,rural,male,49,45-54,lowest,secondary,employed_formal,55.5,4.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2019,urban,male,27,25-34,middle,tertiary,employed_informal,0.8,2.0,1,fixed_deposit,Fidelity,0,24,0.0,none,0,1,0,moderate_burden
Ghana,2022,rural,female,20,18-24,highest,secondary,self_employed,10.2,1.2,1,savings,Ecobank,1,0,1330.36,none,0,1,0,moderate_burden
Kenya,2018,urban,female,55,45-54,fourth,secondary,employed_formal,11.0,2.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2021,rural,male,44,35-44,middle,secondary,employed_informal,38.8,7.2,1,savings,Stanbic,0,10,0.0,none,0,1,0,moderate_burden
Ethiopia,2025,rural,male,63,55+,lowest,secondary,self_employed,6.8,3.4,1,current,Dashen Bank,0,18,0.0,none,0,0,0,moderate_burden
Zambia,2018,rural,female,48,45-54,fourth,secondary,employed_informal,12.7,3.0,1,savings,Zanaco,3,0,475.61,none,0,0,1,moderate_burden
South Africa,2019,urban,female,25,18-24,fourth,secondary,unemployed,4.8,1.2,1,savings,Standard Bank,4,0,643.52,none,0,1,0,moderate_burden
Senegal,2018,urban,female,59,55+,second,tertiary,unemployed,1.9,3.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2019,rural,female,67,55+,lowest,secondary,unemployed,48.0,13.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2018,urban,male,39,35-44,middle,none,self_employed,4.0,1.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2018,rural,male,65,55+,lowest,secondary,self_employed,10.1,1.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2018,rural,male,66,55+,fourth,none,unemployed,4.1,15.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2020,urban,female,63,55+,second,primary,employed_formal,1.7,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,urban,female,18,18-24,fourth,secondary,employed_informal,0.5,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2022,urban,female,24,18-24,fourth,none,self_employed,0.6,0.0,1,savings,Absa,0,24,0.0,none,0,0,1,moderate_burden
Kenya,2019,rural,male,52,45-54,middle,secondary,unemployed,9.0,4.2,1,salary_account,KCB,0,17,0.0,none,0,1,0,moderate_burden
Senegal,2022,urban,female,58,55+,middle,secondary,student,3.9,0.4,1,salary_account,Ecobank,1,0,851.0,none,0,0,1,moderate_burden
Uganda,2024,rural,female,73,55+,middle,primary,student,11.9,0.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2020,rural,male,49,45-54,second,none,self_employed,41.4,5.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2021,urban,female,29,25-34,highest,primary,employed_formal,0.4,0.6,1,savings,Stanbic,4,0,1301.53,none,0,1,0,moderate_burden
Mali,2022,urban,male,60,55+,fourth,primary,employed_informal,2.7,2.3,1,current,Ecobank,1,0,3173.57,none,0,0,0,moderate_burden
Malawi,2023,rural,male,42,35-44,middle,tertiary,employed_formal,29.4,7.6,1,current,FDH Bank,0,17,0.0,none,0,1,0,moderate_burden
Rwanda,2019,urban,male,72,55+,lowest,secondary,unemployed,2.8,0.0,1,salary_account,I&M Bank,4,0,213.66,none,0,1,0,moderate_burden
Nigeria,2024,urban,female,73,55+,second,tertiary,self_employed,4.6,3.7,1,savings,First Bank,1,0,262.13,none,0,0,0,moderate_burden
Niger,2023,urban,male,20,18-24,middle,secondary,self_employed,5.9,1.5,1,fixed_deposit,Ecobank,0,6,0.0,none,0,0,1,moderate_burden
DRC,2022,urban,female,63,55+,middle,tertiary,unemployed,3.5,1.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2019,rural,female,74,55+,lowest,secondary,unemployed,7.7,6.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,rural,female,37,35-44,lowest,secondary,employed_informal,5.3,6.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2022,urban,male,64,55+,middle,none,self_employed,1.4,0.1,1,savings,Equity Bank,1,0,400.55,none,0,1,0,moderate_burden
Senegal,2018,urban,female,45,35-44,fourth,secondary,self_employed,1.6,0.9,1,current,BHS,1,0,312.59,none,1,1,0,moderate_burden
Malawi,2023,rural,male,20,18-24,second,secondary,employed_formal,5.4,7.4,1,savings,NBS Bank,4,0,1319.51,none,0,0,1,moderate_burden
Niger,2023,rural,male,60,55+,fourth,secondary,self_employed,7.2,0.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2019,rural,female,54,45-54,lowest,tertiary,student,1.0,30.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2024,rural,male,34,25-34,second,primary,employed_formal,11.6,15.7,1,fixed_deposit,Absa,1,0,304.18,none,0,1,0,moderate_burden
Ghana,2024,rural,female,51,45-54,fourth,secondary,unemployed,10.8,3.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2018,rural,female,36,35-44,lowest,none,self_employed,6.1,6.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2025,rural,male,20,18-24,highest,none,employed_informal,12.2,15.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2022,rural,female,38,35-44,second,primary,self_employed,44.8,3.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2018,rural,male,20,18-24,middle,primary,self_employed,4.1,5.0,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2020,rural,male,67,55+,highest,secondary,employed_informal,0.6,4.5,1,fixed_deposit,BDM,1,0,1651.37,none,0,0,0,moderate_burden
Ghana,2023,urban,male,61,55+,fourth,primary,employed_informal,2.2,1.5,1,fixed_deposit,GCB,1,0,732.89,none,1,0,0,moderate_burden
Nigeria,2025,rural,male,27,25-34,second,primary,employed_informal,17.4,13.0,1,savings,Access Bank,1,0,347.0,none,0,0,0,moderate_burden
Ethiopia,2023,rural,male,21,18-24,lowest,secondary,student,8.1,12.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2022,urban,female,36,35-44,lowest,none,employed_formal,7.5,0.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2021,urban,female,38,35-44,second,secondary,employed_informal,0.4,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2024,rural,male,66,55+,second,secondary,self_employed,10.0,4.0,1,savings,BCI,2,0,339.78,none,0,0,0,moderate_burden
Ghana,2024,urban,female,27,25-34,lowest,primary,self_employed,3.3,0.3,1,current,Absa,0,8,0.0,none,0,0,0,moderate_burden
Uganda,2020,rural,male,56,55+,middle,primary,self_employed,12.9,10.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2021,rural,female,56,55+,highest,none,unemployed,9.5,2.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2025,urban,female,35,25-34,fourth,tertiary,employed_informal,1.0,0.4,1,savings,Commercial Bank of Ethiopia,0,6,0.0,none,0,0,1,moderate_burden
Niger,2022,urban,female,55,45-54,middle,tertiary,student,3.7,6.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mozambique,2025,rural,female,36,35-44,second,secondary,unemployed,0.1,9.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2018,rural,female,32,25-34,lowest,none,self_employed,69.3,3.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2025,rural,male,47,45-54,second,secondary,employed_informal,3.3,15.7,1,current,Absa,2,0,395.58,none,0,1,1,moderate_burden
Mali,2022,rural,female,21,18-24,fourth,secondary,self_employed,5.8,2.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2020,urban,female,30,25-34,highest,secondary,employed_informal,4.6,1.1,1,savings,GTBank,2,0,1402.46,none,0,0,0,moderate_burden
South Africa,2023,rural,male,64,55+,middle,secondary,employed_formal,25.5,9.0,1,savings,Absa,2,0,476.25,none,0,1,1,moderate_burden
Mozambique,2020,rural,female,34,25-34,lowest,none,employed_formal,4.1,3.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2022,urban,female,23,18-24,second,none,employed_informal,7.9,2.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2021,rural,female,74,55+,fourth,tertiary,student,25.0,17.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2019,rural,female,21,18-24,middle,secondary,self_employed,4.8,3.2,1,current,FDH Bank,1,0,255.77,none,0,1,0,moderate_burden
Ethiopia,2022,urban,male,53,45-54,lowest,secondary,self_employed,1.8,2.0,1,savings,Dashen Bank,2,0,179.32,none,0,0,0,moderate_burden
Uganda,2021,urban,female,23,18-24,middle,primary,student,3.2,4.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,rural,female,20,18-24,fourth,none,employed_informal,2.2,36.7,1,savings,Capitec,2,0,757.58,none,0,1,1,moderate_burden
Kenya,2019,urban,male,18,18-24,second,primary,self_employed,0.8,1.7,1,savings,Equity Bank,2,0,57.03,none,0,1,1,moderate_burden
DRC,2025,rural,female,69,55+,lowest,none,self_employed,10.5,2.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2021,urban,male,25,18-24,lowest,none,employed_formal,1.3,1.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2023,rural,male,23,18-24,highest,secondary,employed_formal,21.8,1.7,1,current,Ecobank,3,0,5016.93,none,0,1,1,moderate_burden
Mali,2019,rural,female,45,35-44,second,tertiary,unemployed,1.1,9.4,1,current,Ecobank,1,0,96.72,none,0,1,0,moderate_burden
DRC,2022,rural,male,43,35-44,lowest,secondary,student,25.4,11.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Niger,2018,rural,female,38,35-44,fourth,secondary,self_employed,30.7,0.0,1,savings,Ecobank,1,0,686.22,none,0,1,0,moderate_burden
Senegal,2023,rural,female,27,25-34,fourth,secondary,self_employed,6.8,2.0,1,savings,Ecobank,2,0,1186.33,none,0,0,0,moderate_burden
Tanzania,2025,urban,male,70,55+,middle,primary,employed_formal,1.9,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2020,urban,female,70,55+,fourth,secondary,employed_informal,0.2,3.2,1,savings,Société Générale,0,19,0.0,none,0,1,0,moderate_burden
Kenya,2024,rural,female,65,55+,middle,tertiary,unemployed,5.9,6.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2025,rural,male,26,25-34,lowest,none,employed_formal,0.1,16.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2019,rural,female,55,45-54,fourth,none,employed_informal,1.2,1.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2024,urban,male,52,45-54,second,primary,self_employed,0.9,1.2,1,salary_account,Bank of Kigali,1,0,169.59,none,0,0,1,moderate_burden
Tanzania,2020,urban,male,56,55+,second,tertiary,self_employed,2.1,1.4,1,fixed_deposit,NMB,0,4,0.0,none,0,0,0,moderate_burden
Kenya,2025,rural,male,55,45-54,highest,secondary,employed_formal,22.4,13.9,1,current,Stanbic,4,0,1615.65,none,0,1,1,moderate_burden
Ghana,2022,rural,female,26,25-34,second,primary,employed_informal,12.1,3.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2023,rural,female,47,45-54,lowest,tertiary,unemployed,2.2,7.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2022,rural,female,59,55+,fourth,tertiary,self_employed,5.1,9.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2023,rural,male,29,25-34,fourth,secondary,employed_informal,4.3,25.9,1,savings,Equity BCDC,3,0,662.48,none,0,0,0,moderate_burden
Mali,2018,urban,male,30,25-34,middle,tertiary,student,1.0,0.4,1,current,BMCD,4,0,541.13,none,0,0,0,moderate_burden
Nigeria,2022,urban,male,59,55+,lowest,secondary,employed_informal,1.6,2.9,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2018,rural,male,20,18-24,fourth,primary,self_employed,2.0,11.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,rural,male,32,25-34,middle,none,student,0.8,23.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2020,urban,male,56,55+,lowest,primary,self_employed,1.1,1.6,1,savings,UBA,2,0,55.17,none,0,0,1,moderate_burden
Ghana,2025,rural,male,59,55+,second,none,self_employed,30.1,1.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2024,urban,male,28,25-34,highest,secondary,student,0.6,0.4,1,salary_account,Orabank,2,0,540.46,none,0,0,0,moderate_burden
Kenya,2021,rural,female,70,55+,second,tertiary,unemployed,0.5,20.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2025,rural,female,60,55+,lowest,primary,unemployed,1.9,8.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2022,urban,female,29,25-34,middle,secondary,self_employed,2.9,0.2,1,savings,Commercial Bank of Ethiopia,1,0,1003.09,none,0,0,1,moderate_burden
Mali,2021,urban,male,41,35-44,lowest,secondary,student,1.3,0.3,1,savings,Ecobank,2,0,436.27,none,0,0,1,moderate_burden
Malawi,2020,rural,female,71,55+,middle,primary,unemployed,7.4,2.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2025,urban,female,29,25-34,middle,secondary,unemployed,1.3,2.9,1,savings,Moza Banco,3,0,319.65,none,0,1,0,moderate_burden
Mali,2024,urban,female,27,25-34,second,primary,employed_informal,0.6,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2023,urban,male,29,25-34,fourth,tertiary,employed_formal,6.9,0.7,1,savings,Rawbank,0,7,0.0,none,0,0,0,moderate_burden
DRC,2020,urban,male,48,45-54,lowest,none,employed_formal,1.1,3.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,rural,male,62,55+,lowest,primary,employed_informal,11.8,1.4,1,savings,Capitec,1,0,17.04,none,1,0,0,moderate_burden
Senegal,2025,rural,female,58,55+,second,secondary,unemployed,12.8,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2021,rural,female,57,55+,middle,none,self_employed,4.4,8.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2018,urban,female,59,55+,highest,tertiary,self_employed,3.1,2.6,1,savings,Ecobank,0,11,0.0,none,0,1,0,moderate_burden
Mozambique,2022,urban,male,51,45-54,lowest,tertiary,employed_informal,3.5,0.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2021,urban,male,46,45-54,highest,tertiary,unemployed,5.1,2.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2022,rural,female,62,55+,second,none,employed_informal,11.4,7.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2019,rural,male,26,25-34,lowest,secondary,unemployed,3.9,2.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2024,urban,female,48,45-54,lowest,secondary,self_employed,0.7,0.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2024,urban,female,31,25-34,fourth,tertiary,unemployed,3.4,0.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2020,urban,female,24,18-24,lowest,secondary,employed_informal,0.1,4.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2019,rural,male,70,55+,lowest,none,employed_formal,4.8,5.2,1,savings,CRDB,0,24,0.0,none,1,1,1,moderate_burden
Ghana,2022,urban,male,69,55+,second,secondary,employed_formal,0.4,6.0,1,current,Fidelity,2,0,346.55,none,0,1,1,moderate_burden
South Africa,2020,rural,female,60,55+,highest,secondary,unemployed,23.4,1.3,1,savings,Absa,2,0,613.23,none,0,0,0,moderate_burden
Mozambique,2018,rural,female,68,55+,fourth,secondary,self_employed,20.3,8.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,rural,male,56,55+,fourth,none,employed_formal,19.4,6.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2025,urban,male,27,25-34,second,none,employed_formal,1.3,0.9,1,current,FNB,1,0,515.76,none,0,1,0,moderate_burden
Tanzania,2019,rural,female,46,45-54,highest,secondary,unemployed,45.1,8.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,urban,female,65,55+,lowest,primary,employed_formal,1.6,1.9,1,salary_account,Absa,0,18,0.0,none,0,0,1,moderate_burden
Mozambique,2022,urban,female,30,25-34,highest,secondary,employed_informal,6.6,1.0,1,current,BCI,1,0,2409.05,none,0,0,0,moderate_burden
Rwanda,2018,urban,female,38,35-44,middle,primary,self_employed,7.2,0.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2024,rural,male,29,25-34,middle,tertiary,self_employed,4.5,0.6,1,savings,Absa,3,0,154.33,none,0,0,0,moderate_burden
Rwanda,2020,urban,male,31,25-34,second,secondary,employed_informal,3.1,2.6,1,savings,Ecobank,0,11,0.0,none,0,1,0,moderate_burden
Mozambique,2019,rural,female,74,55+,lowest,none,employed_informal,12.1,16.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2019,rural,female,48,45-54,second,primary,student,41.4,12.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2025,rural,male,52,45-54,middle,tertiary,employed_formal,11.4,34.3,1,current,NCBA,0,3,0.0,none,0,0,0,moderate_burden
South Africa,2024,urban,female,58,55+,second,primary,employed_informal,2.9,0.1,1,savings,Capitec,2,0,45.61,none,0,0,0,moderate_burden
South Africa,2024,rural,female,28,25-34,lowest,primary,unemployed,24.4,10.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2023,urban,female,47,45-54,middle,secondary,self_employed,6.4,0.1,1,savings,Awash Bank,2,0,280.42,none,0,0,1,moderate_burden
DRC,2025,rural,female,21,18-24,fourth,primary,self_employed,9.6,32.8,1,current,Equity BCDC,4,0,555.06,none,0,1,0,moderate_burden
Mali,2018,urban,male,71,55+,middle,primary,unemployed,0.9,4.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2019,rural,male,55,45-54,lowest,secondary,unemployed,35.3,13.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2020,rural,male,62,55+,highest,secondary,employed_informal,7.5,3.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2022,rural,male,58,55+,fourth,secondary,employed_informal,1.0,22.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2024,urban,male,25,18-24,second,none,self_employed,8.1,5.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2019,urban,female,20,18-24,fourth,secondary,employed_formal,1.1,3.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2021,rural,male,68,55+,middle,tertiary,student,18.6,4.5,1,savings,I&M Bank,1,0,241.24,none,0,0,0,moderate_burden
DRC,2019,rural,male,67,55+,highest,primary,employed_informal,13.0,14.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2020,urban,female,22,18-24,highest,secondary,self_employed,2.6,1.7,1,savings,Nedbank,2,0,500.53,none,1,0,1,moderate_burden
Nigeria,2021,rural,male,26,25-34,highest,secondary,employed_informal,17.0,7.8,1,fixed_deposit,First Bank,2,0,2243.36,none,0,0,0,moderate_burden
DRC,2023,urban,female,52,45-54,fourth,tertiary,self_employed,1.7,1.0,1,savings,Equity BCDC,4,0,4276.33,none,0,0,0,moderate_burden
Kenya,2025,rural,male,46,45-54,second,tertiary,student,9.0,4.5,1,savings,Equity Bank,0,6,0.0,none,0,0,0,moderate_burden
Tanzania,2021,rural,female,29,25-34,second,secondary,self_employed,29.9,22.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2023,rural,female,22,18-24,second,primary,self_employed,2.5,3.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Rwanda,2018,rural,male,22,18-24,fourth,none,self_employed,18.9,0.1,1,current,I&M Bank,2,0,134.82,none,1,0,0,moderate_burden
South Africa,2020,rural,male,25,18-24,lowest,primary,employed_formal,9.3,0.2,1,current,Nedbank,1,0,91.44,none,0,0,0,moderate_burden
Mozambique,2021,rural,male,58,55+,middle,secondary,employed_informal,15.5,0.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Zambia,2019,rural,male,69,55+,middle,secondary,employed_informal,23.0,4.9,1,savings,Absa,1,0,370.02,none,0,1,0,moderate_burden
Rwanda,2020,rural,female,26,25-34,second,tertiary,employed_formal,32.8,5.6,1,savings,Equity Bank,0,24,0.0,none,1,1,0,moderate_burden
Malawi,2024,rural,female,55,45-54,second,none,employed_informal,3.1,7.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2022,urban,female,30,25-34,lowest,tertiary,employed_informal,0.1,2.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2023,rural,male,61,55+,fourth,secondary,unemployed,28.1,7.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2023,rural,male,25,18-24,fourth,primary,unemployed,11.0,13.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2024,urban,male,29,25-34,second,tertiary,employed_informal,0.9,0.1,1,fixed_deposit,Equity Bank,0,1,0.0,none,0,0,0,moderate_burden
South Africa,2025,urban,male,68,55+,second,secondary,self_employed,1.0,0.4,1,savings,Absa,0,19,0.0,none,0,0,0,moderate_burden
Mozambique,2023,rural,female,55,45-54,lowest,tertiary,self_employed,3.4,3.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2018,urban,female,69,55+,second,tertiary,employed_informal,0.2,1.7,1,current,CRDB,0,24,0.0,none,0,1,0,moderate_burden
DRC,2020,urban,female,28,25-34,fourth,primary,employed_informal,5.8,4.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,rural,female,24,18-24,second,secondary,self_employed,4.3,33.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2019,rural,male,26,25-34,second,tertiary,employed_informal,2.2,6.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2022,urban,male,48,45-54,second,secondary,employed_informal,0.5,0.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2019,rural,male,36,35-44,middle,secondary,self_employed,6.9,3.5,1,savings,Commercial Bank of Ethiopia,2,0,211.14,none,0,0,0,moderate_burden
Tanzania,2018,rural,male,42,35-44,middle,primary,self_employed,3.8,0.1,1,savings,NBC,1,0,654.83,none,0,0,0,moderate_burden
Kenya,2018,urban,male,54,45-54,highest,primary,employed_informal,1.3,0.7,1,salary_account,KCB,3,0,7656.26,none,0,0,0,moderate_burden
Kenya,2021,rural,male,71,55+,lowest,primary,self_employed,3.6,3.5,1,savings,Cooperative Bank,0,12,0.0,none,0,1,0,moderate_burden
Ethiopia,2020,urban,female,42,35-44,middle,primary,self_employed,1.2,0.5,1,savings,Awash Bank,0,22,0.0,none,0,1,1,moderate_burden
Mali,2022,urban,male,62,55+,lowest,tertiary,unemployed,0.7,2.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2019,rural,male,66,55+,lowest,secondary,self_employed,5.9,0.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2018,urban,male,71,55+,lowest,secondary,employed_formal,3.4,0.8,1,savings,Millennium BIM,2,0,53.62,none,0,1,0,moderate_burden
Uganda,2018,rural,female,60,55+,second,primary,employed_formal,3.3,9.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2022,rural,male,42,35-44,second,secondary,unemployed,15.4,1.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2025,rural,female,22,18-24,lowest,tertiary,employed_informal,0.2,1.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2022,urban,male,36,35-44,second,secondary,unemployed,5.2,3.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2025,rural,female,41,35-44,second,none,employed_formal,0.8,7.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2018,urban,male,46,45-54,second,secondary,employed_informal,3.6,1.1,1,current,Moza Banco,1,0,452.16,none,1,0,1,moderate_burden
Tanzania,2020,rural,male,25,18-24,fourth,secondary,unemployed,10.3,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2022,urban,male,65,55+,lowest,primary,self_employed,0.1,1.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2024,urban,male,32,25-34,middle,secondary,employed_informal,0.5,0.4,1,savings,I&M Bank,0,22,0.0,none,1,0,0,moderate_burden
Mozambique,2023,rural,female,40,35-44,fourth,primary,employed_formal,3.0,9.1,1,current,BCI,1,0,927.9,none,0,0,1,moderate_burden
Malawi,2022,urban,female,26,25-34,second,primary,self_employed,0.7,2.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2021,rural,female,25,18-24,lowest,none,student,3.6,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2024,rural,male,68,55+,fourth,secondary,employed_informal,14.3,4.1,1,current,Ecobank,1,0,1842.26,none,0,1,0,moderate_burden
DRC,2023,urban,male,72,55+,highest,secondary,self_employed,9.3,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2024,urban,male,44,35-44,lowest,none,employed_formal,1.4,2.2,1,current,Access Bank,1,0,229.92,none,1,1,1,moderate_burden
Niger,2021,urban,male,67,55+,second,none,unemployed,9.5,1.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2020,rural,male,22,18-24,highest,tertiary,employed_formal,14.7,0.9,1,savings,KCB,3,0,399.36,none,0,1,0,moderate_burden
Ghana,2022,rural,male,61,55+,middle,primary,employed_informal,29.0,0.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2022,rural,female,59,55+,lowest,primary,employed_informal,28.7,2.4,1,current,Capitec,0,16,0.0,none,0,0,0,moderate_burden
DRC,2020,rural,male,53,45-54,middle,tertiary,self_employed,43.0,5.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2018,rural,female,40,35-44,fourth,none,student,26.5,6.8,1,fixed_deposit,First National Bank,1,0,260.36,none,0,0,0,moderate_burden
Malawi,2025,urban,male,64,55+,lowest,secondary,self_employed,1.4,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2021,rural,male,25,18-24,highest,secondary,employed_formal,13.3,49.2,1,salary_account,Stanbic,2,0,1307.32,none,0,1,0,moderate_burden
Zambia,2018,rural,male,21,18-24,lowest,secondary,employed_informal,1.4,0.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2022,rural,female,30,25-34,lowest,secondary,employed_informal,1.0,0.1,1,current,Absa,2,0,251.69,none,0,0,0,moderate_burden
Zambia,2024,rural,female,49,45-54,middle,none,employed_informal,20.1,4.1,1,fixed_deposit,First National Bank,1,0,116.86,none,0,0,0,moderate_burden
Niger,2020,rural,female,60,55+,second,tertiary,self_employed,30.2,6.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2019,rural,male,27,25-34,fourth,secondary,employed_informal,2.6,4.9,1,salary_account,Stanbic,2,0,96.46,none,0,0,0,moderate_burden
South Africa,2022,rural,male,53,45-54,second,none,unemployed,2.3,12.3,1,savings,Capitec,2,0,207.34,none,1,1,1,moderate_burden
DRC,2021,urban,female,69,55+,second,primary,employed_informal,2.5,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2020,urban,female,41,35-44,highest,primary,unemployed,2.5,1.1,1,current,GCB,0,24,0.0,none,0,1,0,moderate_burden
South Africa,2019,rural,male,29,25-34,fourth,primary,employed_formal,9.1,11.6,1,salary_account,FNB,4,0,9855.72,none,0,0,0,moderate_burden
Kenya,2025,urban,male,26,25-34,second,secondary,employed_informal,2.4,0.4,1,savings,Equity Bank,2,0,372.12,none,0,0,0,moderate_burden
South Africa,2023,rural,female,59,55+,second,none,self_employed,14.0,4.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2020,rural,female,66,55+,middle,tertiary,self_employed,28.8,2.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,rural,male,71,55+,lowest,secondary,student,4.3,2.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2024,rural,male,22,18-24,highest,secondary,unemployed,30.1,32.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,rural,male,67,55+,highest,none,self_employed,39.7,4.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2018,urban,female,39,35-44,lowest,none,unemployed,0.9,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2023,urban,female,44,35-44,middle,primary,employed_informal,4.0,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2022,urban,female,46,45-54,highest,secondary,employed_informal,3.2,4.8,1,current,Fidelity,1,0,441.49,none,0,1,0,moderate_burden
Nigeria,2020,urban,male,29,25-34,second,primary,employed_informal,0.4,0.4,1,current,Zenith Bank,2,0,247.08,none,0,0,0,moderate_burden
Zambia,2021,rural,female,47,45-54,fourth,tertiary,employed_formal,41.2,12.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2023,urban,male,35,25-34,second,primary,employed_informal,8.8,0.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2022,urban,male,42,35-44,middle,secondary,self_employed,13.6,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2018,urban,female,67,55+,fourth,secondary,employed_informal,1.4,0.9,1,savings,GTBank,1,0,2693.14,none,0,0,0,moderate_burden
Malawi,2018,rural,male,27,25-34,lowest,none,unemployed,1.3,17.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2020,rural,female,66,55+,middle,tertiary,student,0.4,5.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2023,rural,male,44,35-44,lowest,tertiary,employed_informal,10.8,1.3,1,fixed_deposit,Standard Bank,0,16,0.0,none,0,1,0,moderate_burden
Mali,2020,urban,male,32,25-34,fourth,tertiary,unemployed,3.3,2.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2025,rural,female,36,35-44,second,secondary,self_employed,30.1,2.1,1,current,Société Générale,1,0,173.29,none,1,1,0,moderate_burden
Ghana,2020,urban,male,22,18-24,fourth,secondary,student,0.4,2.7,1,salary_account,Absa,2,0,1763.1,none,0,0,0,moderate_burden
Zambia,2022,rural,male,22,18-24,middle,secondary,employed_informal,27.9,4.6,1,savings,Stanbic,1,0,327.79,none,0,0,0,moderate_burden
Mali,2018,urban,male,56,55+,highest,secondary,self_employed,1.0,2.8,1,current,BDM,1,0,912.38,none,0,0,1,moderate_burden
Uganda,2021,rural,female,63,55+,lowest,primary,employed_informal,10.5,12.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2024,rural,male,74,55+,middle,none,employed_informal,12.8,4.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2019,rural,female,57,55+,middle,primary,employed_informal,2.3,8.9,1,salary_account,CBAO,0,15,0.0,none,0,0,0,moderate_burden
Mozambique,2025,rural,male,49,45-54,fourth,secondary,self_employed,0.0,1.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2024,rural,female,23,18-24,lowest,tertiary,student,11.2,5.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2018,urban,female,54,45-54,lowest,tertiary,employed_formal,1.6,1.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2024,urban,female,37,35-44,second,tertiary,self_employed,0.8,2.8,1,current,Equity Bank,2,0,1325.41,none,1,0,0,moderate_burden
Ghana,2021,rural,male,63,55+,second,secondary,employed_informal,16.2,9.8,1,savings,GCB,1,0,650.89,none,0,0,0,moderate_burden
DRC,2022,urban,male,52,45-54,fourth,secondary,employed_informal,3.0,1.8,1,savings,Equity BCDC,2,0,963.09,none,0,1,1,moderate_burden
Ethiopia,2019,urban,male,60,55+,fourth,primary,self_employed,2.6,7.4,1,savings,Commercial Bank of Ethiopia,0,10,0.0,none,0,1,1,moderate_burden
DRC,2019,urban,female,26,25-34,highest,primary,unemployed,0.2,2.1,1,current,Rawbank,2,0,668.71,none,0,1,0,moderate_burden
Uganda,2022,urban,female,24,18-24,middle,secondary,employed_informal,0.1,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2025,rural,male,21,18-24,second,secondary,self_employed,43.4,13.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2022,rural,male,45,35-44,second,secondary,unemployed,26.7,3.2,1,savings,Stanbic,2,0,104.43,none,0,1,0,moderate_burden
Ghana,2022,urban,male,26,25-34,lowest,secondary,employed_formal,0.7,0.1,1,savings,Absa,1,0,41.7,none,0,0,0,moderate_burden
Ghana,2022,rural,female,40,35-44,highest,tertiary,employed_informal,19.1,6.3,1,savings,Absa,1,0,2031.85,none,0,1,0,moderate_burden
Ghana,2021,rural,female,35,25-34,fourth,secondary,unemployed,24.5,21.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2018,rural,female,43,35-44,fourth,tertiary,unemployed,50.5,9.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2025,rural,female,44,35-44,lowest,tertiary,unemployed,2.2,18.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2025,urban,male,22,18-24,highest,secondary,student,3.6,2.2,1,fixed_deposit,NBS Bank,0,12,0.0,none,0,1,1,moderate_burden
Kenya,2024,rural,male,24,18-24,middle,primary,employed_formal,27.4,4.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2023,rural,male,34,25-34,lowest,primary,employed_formal,19.4,1.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2022,urban,female,54,45-54,lowest,primary,student,1.9,0.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2024,urban,male,37,35-44,highest,primary,self_employed,2.0,2.1,1,savings,NMB,2,0,1002.22,none,1,0,0,moderate_burden
Malawi,2018,urban,male,68,55+,lowest,secondary,student,4.9,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2020,urban,female,44,35-44,lowest,tertiary,employed_informal,0.4,1.3,1,savings,CRDB,0,4,0.0,none,0,0,0,moderate_burden
Mozambique,2023,urban,female,61,55+,lowest,tertiary,employed_informal,1.5,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2020,rural,male,50,45-54,lowest,primary,self_employed,11.0,21.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2018,rural,male,73,55+,fourth,secondary,unemployed,41.3,17.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2025,urban,male,37,35-44,middle,tertiary,employed_informal,0.2,0.5,1,savings,Absa,1,0,2906.89,none,0,1,0,moderate_burden
Ethiopia,2019,rural,female,68,55+,second,secondary,employed_informal,53.8,8.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2018,urban,male,33,25-34,middle,primary,employed_informal,3.1,1.3,1,fixed_deposit,Dashen Bank,0,4,0.0,none,0,1,0,moderate_burden
Rwanda,2018,urban,male,56,55+,second,tertiary,self_employed,2.5,1.1,1,savings,Ecobank,1,0,229.31,none,0,1,1,moderate_burden
Nigeria,2018,urban,male,74,55+,lowest,secondary,employed_formal,0.6,5.0,1,savings,Zenith Bank,1,0,325.6,none,0,0,1,moderate_burden
Uganda,2019,urban,male,63,55+,highest,secondary,employed_formal,4.9,1.9,1,current,DFCU,2,0,865.66,none,0,1,0,moderate_burden
Uganda,2019,rural,male,71,55+,lowest,secondary,unemployed,8.7,19.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2021,rural,male,71,55+,second,none,employed_informal,6.9,30.3,1,savings,KCB,2,0,210.43,none,1,1,0,moderate_burden
Mozambique,2024,rural,male,51,45-54,fourth,secondary,self_employed,4.2,11.5,1,savings,BCI,3,0,1190.2,none,0,0,0,moderate_burden
Mali,2024,urban,female,33,25-34,fourth,primary,self_employed,14.2,0.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2024,urban,female,38,35-44,fourth,none,unemployed,3.8,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2019,rural,male,69,55+,second,primary,employed_informal,16.2,24.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2019,urban,female,33,25-34,fourth,secondary,employed_informal,4.9,2.1,1,savings,FNB,4,0,802.91,none,0,0,1,moderate_burden
Ethiopia,2025,rural,male,57,55+,middle,tertiary,employed_informal,3.5,5.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2021,rural,male,71,55+,lowest,primary,unemployed,1.7,3.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2020,rural,female,49,45-54,highest,tertiary,self_employed,15.3,0.7,1,savings,Orabank,3,0,938.0,none,0,1,0,moderate_burden
Nigeria,2025,rural,female,31,25-34,lowest,secondary,self_employed,12.0,8.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2019,rural,male,27,25-34,fourth,none,self_employed,1.9,3.0,1,salary_account,Standard Bank,1,0,266.82,none,0,1,0,moderate_burden
Ethiopia,2020,rural,female,61,55+,fourth,none,employed_informal,12.2,5.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2025,rural,male,61,55+,middle,secondary,unemployed,79.9,5.7,1,savings,Absa,0,6,0.0,none,0,0,1,moderate_burden
Kenya,2022,urban,male,68,55+,highest,primary,employed_informal,3.1,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2021,urban,female,58,55+,fourth,tertiary,employed_formal,3.1,0.7,1,savings,First National Bank,1,0,377.89,none,0,1,0,moderate_burden
Ethiopia,2020,urban,female,27,25-34,second,tertiary,employed_formal,1.6,1.4,1,savings,Dashen Bank,2,0,514.37,none,0,0,1,moderate_burden
Uganda,2020,rural,female,27,25-34,fourth,primary,employed_informal,19.1,3.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2025,urban,male,71,55+,highest,tertiary,unemployed,2.2,2.7,1,salary_account,First National Bank,2,0,363.88,none,0,0,1,moderate_burden
Tanzania,2023,urban,female,30,25-34,lowest,none,employed_informal,2.1,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2025,urban,female,72,55+,lowest,primary,student,3.3,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2022,rural,female,48,45-54,highest,primary,employed_informal,26.4,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2024,rural,male,64,55+,second,primary,employed_informal,13.8,8.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2022,rural,female,55,45-54,middle,primary,employed_informal,14.9,2.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2021,urban,male,69,55+,middle,tertiary,self_employed,2.0,0.3,1,savings,NBC,2,0,218.05,none,0,1,1,moderate_burden
DRC,2022,urban,male,45,35-44,fourth,primary,employed_formal,5.8,2.4,1,savings,Equity BCDC,0,23,0.0,none,1,0,0,moderate_burden
Kenya,2021,rural,female,34,25-34,highest,none,student,16.7,0.7,1,current,NCBA,0,2,0.0,none,1,0,0,moderate_burden
Kenya,2023,urban,male,74,55+,fourth,secondary,employed_formal,9.7,2.2,1,current,KCB,3,0,2715.16,none,1,1,1,moderate_burden
Malawi,2022,rural,female,35,25-34,lowest,secondary,self_employed,4.5,4.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2021,urban,female,38,35-44,second,secondary,self_employed,3.2,4.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2021,urban,male,60,55+,fourth,tertiary,self_employed,2.4,1.9,1,fixed_deposit,Nedbank,1,0,327.76,none,0,1,0,moderate_burden
Uganda,2025,urban,female,51,45-54,lowest,tertiary,unemployed,0.3,0.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2019,rural,female,61,55+,lowest,secondary,unemployed,1.4,8.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2022,urban,female,28,25-34,lowest,primary,unemployed,2.2,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2022,urban,female,65,55+,middle,none,employed_formal,0.5,0.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2021,rural,male,72,55+,middle,none,employed_formal,22.8,1.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2019,rural,female,55,45-54,fourth,secondary,self_employed,20.8,9.7,1,savings,Capitec,2,0,236.82,none,0,0,1,moderate_burden
Ghana,2019,urban,male,64,55+,fourth,secondary,student,2.9,6.8,1,current,GCB,1,0,532.4,none,0,1,0,moderate_burden
Rwanda,2021,rural,female,56,55+,lowest,tertiary,employed_informal,22.7,2.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2020,urban,male,46,45-54,lowest,none,employed_informal,0.9,0.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2021,rural,female,59,55+,middle,primary,self_employed,20.6,15.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2019,urban,female,26,25-34,middle,tertiary,unemployed,0.1,1.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ghana,2022,rural,female,67,55+,fourth,secondary,self_employed,6.0,17.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2020,urban,female,42,35-44,second,secondary,employed_informal,6.0,0.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2022,rural,female,73,55+,fourth,tertiary,unemployed,52.7,0.3,1,savings,Equity Bank,1,0,299.21,none,0,0,0,moderate_burden
Zambia,2021,rural,male,59,55+,lowest,primary,employed_informal,12.4,23.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2022,rural,female,50,45-54,fourth,tertiary,employed_formal,14.5,3.9,1,current,UBA,3,0,236.94,none,0,1,0,moderate_burden
Tanzania,2021,urban,female,29,25-34,middle,primary,employed_formal,4.0,2.1,1,savings,Stanbic,2,0,638.37,none,0,1,0,moderate_burden
Nigeria,2022,rural,male,70,55+,lowest,primary,self_employed,5.5,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2019,rural,male,35,25-34,middle,secondary,employed_informal,5.8,1.7,1,savings,Rawbank,2,0,937.32,none,0,0,1,moderate_burden
Kenya,2022,urban,female,36,35-44,lowest,secondary,employed_formal,12.6,1.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2021,urban,female,57,55+,highest,none,unemployed,4.1,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2022,rural,male,26,25-34,fourth,tertiary,self_employed,2.3,6.5,1,savings,Ecobank,0,3,0.0,none,0,0,0,moderate_burden
Rwanda,2020,urban,female,32,25-34,lowest,secondary,student,0.6,1.2,1,fixed_deposit,Equity Bank,1,0,296.2,none,0,1,0,moderate_burden
Mali,2024,rural,female,34,25-34,second,secondary,unemployed,1.5,7.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,rural,male,55,45-54,second,secondary,unemployed,6.0,8.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2022,rural,male,59,55+,middle,none,employed_informal,6.0,7.1,1,current,National Bank,1,0,1182.67,none,0,0,0,moderate_burden
Malawi,2024,urban,male,34,25-34,middle,primary,unemployed,6.7,5.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2024,rural,male,56,55+,lowest,none,self_employed,15.9,8.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2021,urban,female,45,35-44,second,secondary,employed_informal,0.5,2.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2024,rural,female,42,35-44,middle,primary,employed_informal,28.0,2.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Uganda,2025,urban,female,40,35-44,second,secondary,self_employed,0.6,2.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2021,urban,male,65,55+,fourth,secondary,unemployed,0.9,0.4,1,salary_account,Equity Bank,0,1,0.0,none,0,0,0,moderate_burden
Mali,2021,urban,male,68,55+,fourth,secondary,student,0.5,3.9,1,current,BMCD,2,0,1974.33,none,0,1,0,moderate_burden
Nigeria,2023,rural,female,31,25-34,highest,tertiary,employed_informal,32.8,0.8,1,salary_account,Access Bank,3,0,5874.63,none,0,1,0,moderate_burden
Malawi,2025,rural,male,70,55+,middle,none,employed_informal,23.9,15.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2019,urban,female,48,45-54,highest,secondary,self_employed,5.7,2.8,1,current,BHS,0,14,0.0,none,0,0,0,moderate_burden
Mali,2024,rural,female,51,45-54,lowest,secondary,self_employed,14.8,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2022,rural,male,29,25-34,highest,secondary,employed_informal,17.0,1.0,1,savings,Commercial Bank of Ethiopia,2,0,1621.71,none,0,0,1,moderate_burden
Tanzania,2018,urban,male,25,18-24,highest,none,self_employed,0.6,5.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2019,urban,male,63,55+,highest,tertiary,employed_informal,3.2,0.9,1,savings,Ecobank,2,0,682.35,none,0,0,0,moderate_burden
Zambia,2019,urban,female,24,18-24,second,primary,employed_formal,2.6,4.6,1,current,Absa,1,0,189.86,none,0,1,0,moderate_burden
Niger,2019,urban,male,58,55+,second,none,self_employed,2.4,1.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2018,rural,female,35,25-34,highest,secondary,employed_informal,14.5,4.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2020,rural,male,38,35-44,fourth,secondary,unemployed,29.0,9.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2021,rural,male,46,45-54,lowest,none,unemployed,1.7,17.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2022,rural,male,23,18-24,fourth,primary,employed_informal,10.6,9.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2020,urban,male,42,35-44,second,tertiary,employed_informal,2.6,0.2,1,savings,Zenith Bank,0,20,0.0,none,0,1,1,moderate_burden
Senegal,2018,rural,female,28,25-34,fourth,secondary,employed_informal,15.4,15.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2018,urban,female,61,55+,lowest,none,unemployed,0.0,0.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2018,rural,male,53,45-54,middle,primary,student,26.7,2.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2021,urban,female,19,18-24,highest,primary,student,0.9,3.5,1,savings,Bank of Kigali,0,5,0.0,none,1,0,0,moderate_burden
Ghana,2025,urban,female,21,18-24,second,none,self_employed,2.6,1.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2025,urban,female,60,55+,middle,primary,employed_informal,16.7,0.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,rural,male,60,55+,highest,none,unemployed,22.9,0.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2021,urban,male,73,55+,second,primary,self_employed,0.6,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2018,urban,female,58,55+,lowest,secondary,employed_informal,0.1,3.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2020,urban,male,44,35-44,middle,secondary,employed_informal,5.8,1.4,1,current,FNB,2,0,764.07,none,0,0,0,moderate_burden
South Africa,2021,urban,male,21,18-24,second,none,employed_formal,0.5,0.2,1,salary_account,FNB,0,21,0.0,none,0,1,0,moderate_burden
Mali,2024,rural,female,37,35-44,second,secondary,employed_informal,44.2,1.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2020,rural,female,68,55+,middle,tertiary,employed_informal,2.4,0.8,1,salary_account,FNB,0,20,0.0,none,0,1,0,moderate_burden
Nigeria,2020,urban,female,73,55+,highest,secondary,self_employed,1.3,0.8,1,savings,First Bank,0,4,0.0,none,0,1,1,moderate_burden
Ghana,2019,rural,female,60,55+,lowest,secondary,employed_formal,4.7,4.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2020,urban,female,52,45-54,lowest,primary,self_employed,3.8,1.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2021,rural,male,50,45-54,middle,secondary,student,19.9,5.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2021,rural,female,69,55+,lowest,primary,self_employed,25.0,2.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,rural,female,23,18-24,highest,secondary,employed_formal,15.3,1.0,1,savings,Dashen Bank,1,0,572.48,none,0,0,0,moderate_burden
Ethiopia,2025,rural,female,51,45-54,second,none,unemployed,7.9,5.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2025,rural,male,58,55+,middle,none,unemployed,15.6,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2019,rural,male,30,25-34,second,secondary,unemployed,5.0,1.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2019,rural,male,21,18-24,highest,tertiary,self_employed,3.6,1.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2019,urban,female,38,35-44,highest,primary,unemployed,1.4,1.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Tanzania,2019,rural,male,53,45-54,lowest,tertiary,employed_formal,2.2,6.9,1,current,NMB,1,0,207.5,none,0,1,0,moderate_burden
Rwanda,2025,rural,male,50,45-54,lowest,secondary,unemployed,29.7,1.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2020,rural,female,27,25-34,second,tertiary,employed_informal,7.4,11.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2019,urban,male,47,45-54,second,primary,self_employed,0.2,0.0,1,savings,Absa,1,0,517.41,none,0,1,1,moderate_burden
Ghana,2018,urban,female,20,18-24,middle,none,employed_formal,0.9,0.7,1,current,Stanbic,0,16,0.0,none,0,0,1,moderate_burden
Mali,2018,rural,female,22,18-24,middle,none,employed_informal,0.6,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2020,rural,female,66,55+,middle,secondary,unemployed,1.2,4.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2022,rural,male,62,55+,second,primary,employed_informal,15.8,3.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2021,rural,female,57,55+,fourth,secondary,employed_informal,21.8,16.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2020,rural,female,64,55+,highest,none,student,53.8,9.1,1,savings,NCBA,2,0,363.41,none,0,1,1,moderate_burden
Ethiopia,2025,urban,male,66,55+,lowest,secondary,employed_informal,3.2,0.2,1,savings,Commercial Bank of Ethiopia,1,0,175.66,none,0,1,0,moderate_burden
Mozambique,2022,urban,male,72,55+,lowest,secondary,employed_informal,5.4,0.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2024,rural,female,28,25-34,second,secondary,employed_informal,28.5,22.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2025,rural,male,39,35-44,lowest,tertiary,self_employed,19.8,11.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Niger,2024,urban,female,49,45-54,fourth,primary,employed_informal,1.6,0.1,1,salary_account,Orabank,1,0,678.09,none,0,1,0,moderate_burden
Nigeria,2018,urban,female,37,35-44,fourth,secondary,unemployed,0.4,0.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2021,urban,male,31,25-34,fourth,none,employed_informal,6.1,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2022,rural,female,32,25-34,highest,primary,student,9.7,0.9,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2023,rural,female,30,25-34,lowest,secondary,student,6.5,3.8,1,savings,Coris Bank,1,0,231.53,none,0,0,0,moderate_burden
Malawi,2022,rural,female,53,45-54,middle,secondary,employed_formal,3.9,1.9,1,savings,Standard Bank,0,4,0.0,none,0,0,0,moderate_burden
Senegal,2020,urban,male,53,45-54,lowest,secondary,self_employed,12.6,1.0,1,current,CBAO,1,0,201.79,none,0,1,1,moderate_burden
Tanzania,2020,urban,male,47,45-54,highest,none,employed_formal,1.5,4.4,1,savings,Absa,3,0,941.22,none,1,0,0,moderate_burden
Ghana,2022,rural,female,69,55+,middle,secondary,employed_informal,48.4,4.5,1,current,Absa,1,0,1284.17,none,0,1,0,moderate_burden
Malawi,2018,urban,male,55,45-54,lowest,none,employed_informal,8.6,2.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2021,urban,female,26,25-34,highest,tertiary,self_employed,3.7,2.5,1,current,BCDC,3,0,3155.02,none,0,0,0,moderate_burden
Mali,2021,urban,male,57,55+,fourth,primary,employed_informal,0.2,1.0,1,savings,BDM,2,0,7201.23,none,0,0,0,moderate_burden
Kenya,2025,urban,female,71,55+,lowest,primary,employed_informal,1.4,0.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ethiopia,2018,rural,male,60,55+,middle,tertiary,employed_informal,24.1,7.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2021,urban,male,37,35-44,middle,primary,unemployed,1.7,7.5,1,savings,Zanaco,0,3,0.0,none,0,0,1,moderate_burden
Tanzania,2018,rural,male,71,55+,highest,primary,employed_formal,4.7,6.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2018,rural,male,34,25-34,second,secondary,self_employed,3.7,14.6,1,savings,Nedbank,2,0,1405.81,none,0,0,0,moderate_burden
Uganda,2020,rural,female,35,25-34,fourth,tertiary,self_employed,28.5,17.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2025,rural,female,39,35-44,second,none,self_employed,20.1,15.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2024,rural,male,36,35-44,fourth,none,self_employed,0.4,10.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2020,rural,female,51,45-54,highest,primary,employed_formal,1.3,18.0,1,savings,Stanbic,1,0,906.11,none,0,0,0,moderate_burden
Tanzania,2024,urban,female,23,18-24,middle,secondary,employed_informal,4.4,1.2,1,fixed_deposit,CRDB,0,23,0.0,none,0,0,1,moderate_burden
Ethiopia,2022,urban,female,67,55+,middle,secondary,student,1.2,0.3,1,savings,Commercial Bank of Ethiopia,2,0,395.69,none,0,0,0,moderate_burden
Uganda,2020,urban,male,51,45-54,lowest,tertiary,employed_formal,1.5,3.0,1,savings,KCB,0,2,0.0,none,0,0,1,moderate_burden
Nigeria,2024,rural,male,36,35-44,middle,primary,employed_informal,8.3,8.9,1,savings,GTBank,2,0,164.5,none,1,0,0,moderate_burden
Tanzania,2025,urban,female,62,55+,fourth,tertiary,unemployed,1.4,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2021,rural,female,49,45-54,second,tertiary,employed_formal,14.0,2.8,1,savings,Capitec,1,0,691.66,none,1,0,1,moderate_burden
Nigeria,2020,rural,female,46,45-54,fourth,secondary,self_employed,11.3,4.7,1,savings,Zenith Bank,1,0,416.17,none,1,1,0,moderate_burden
Nigeria,2021,rural,female,74,55+,middle,none,student,18.4,5.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2024,urban,female,23,18-24,fourth,primary,employed_formal,0.3,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,urban,female,41,35-44,second,primary,unemployed,0.3,1.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2023,rural,male,21,18-24,highest,none,unemployed,21.0,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2019,rural,female,61,55+,second,none,student,2.1,3.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2023,rural,female,51,45-54,lowest,secondary,student,17.2,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,rural,male,42,35-44,second,none,unemployed,12.3,9.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2021,urban,male,42,35-44,lowest,secondary,self_employed,1.1,0.0,1,fixed_deposit,FNB,2,0,36.76,none,0,0,1,moderate_burden
Malawi,2018,rural,female,65,55+,lowest,secondary,employed_informal,7.2,12.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2022,urban,male,24,18-24,fourth,secondary,employed_informal,1.6,6.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2022,rural,female,64,55+,second,secondary,unemployed,13.3,26.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2019,urban,male,69,55+,lowest,none,employed_formal,2.7,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2018,rural,male,65,55+,second,secondary,employed_informal,3.5,11.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mali,2018,urban,female,43,35-44,fourth,secondary,employed_informal,0.9,0.1,1,current,BMCD,1,0,959.78,none,1,1,1,moderate_burden
Uganda,2025,rural,female,61,55+,fourth,secondary,self_employed,25.8,5.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2020,rural,male,59,55+,fourth,primary,student,18.4,0.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ghana,2019,rural,female,36,35-44,second,tertiary,employed_formal,32.9,5.0,1,savings,Fidelity,1,0,198.87,none,0,0,0,moderate_burden
Ghana,2024,rural,male,45,35-44,lowest,primary,student,23.0,4.2,1,current,Fidelity,2,0,62.94,none,0,0,0,moderate_burden
Niger,2022,urban,male,49,45-54,lowest,primary,self_employed,2.0,2.0,1,current,Sonibank,1,0,287.36,none,1,0,0,moderate_burden
Mali,2025,urban,male,52,45-54,lowest,primary,self_employed,1.3,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2019,rural,female,27,25-34,second,primary,employed_formal,1.4,11.1,1,savings,Dashen Bank,2,0,184.24,none,0,0,0,moderate_burden
Senegal,2020,rural,female,27,25-34,middle,primary,employed_formal,1.9,2.2,1,savings,BHS,2,0,464.85,none,0,0,0,moderate_burden
Senegal,2020,urban,female,25,18-24,second,primary,employed_informal,1.4,0.9,1,current,Ecobank,2,0,496.55,none,0,1,0,moderate_burden
Uganda,2024,rural,female,55,45-54,middle,tertiary,employed_formal,12.1,3.2,1,savings,Stanbic,1,0,533.43,none,0,1,0,moderate_burden
Kenya,2024,urban,male,62,55+,middle,primary,unemployed,1.7,1.7,1,savings,KCB,3,0,609.11,none,0,0,1,moderate_burden
Uganda,2022,rural,male,21,18-24,second,tertiary,self_employed,11.5,0.8,1,current,Stanbic,2,0,228.48,none,1,0,0,moderate_burden
Uganda,2024,rural,female,33,25-34,lowest,none,unemployed,2.4,0.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2019,rural,male,37,35-44,second,primary,student,16.0,8.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2021,rural,female,49,45-54,middle,secondary,employed_informal,0.3,8.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2020,urban,female,36,35-44,lowest,secondary,student,1.4,0.4,1,savings,NMB,2,0,305.52,none,0,0,0,moderate_burden
South Africa,2020,urban,female,18,18-24,middle,none,employed_informal,1.6,0.3,1,savings,Capitec,1,0,923.43,none,0,1,0,moderate_burden
DRC,2021,urban,male,28,25-34,middle,tertiary,employed_informal,0.7,3.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2024,urban,male,25,18-24,fourth,tertiary,self_employed,2.2,0.0,1,savings,Absa,2,0,1734.8,none,0,1,0,moderate_burden
Niger,2019,rural,female,56,55+,lowest,none,unemployed,2.0,7.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2023,urban,female,50,45-54,middle,primary,student,0.3,0.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2023,rural,male,20,18-24,second,none,employed_informal,17.5,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2020,urban,male,25,18-24,middle,primary,unemployed,1.8,5.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2025,rural,female,18,18-24,middle,none,employed_informal,3.6,2.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2024,urban,male,30,25-34,second,primary,unemployed,1.8,0.9,1,current,Millennium BIM,1,0,193.37,none,0,0,0,moderate_burden
South Africa,2022,rural,male,35,25-34,lowest,secondary,employed_informal,31.4,4.0,1,salary_account,Capitec,0,16,0.0,none,0,0,0,moderate_burden
Nigeria,2018,rural,female,74,55+,lowest,none,employed_informal,15.2,7.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Kenya,2022,urban,female,22,18-24,middle,primary,self_employed,1.2,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2022,rural,male,46,45-54,middle,secondary,employed_formal,26.2,28.2,1,savings,UBA,3,0,1181.19,none,0,0,0,moderate_burden
Niger,2019,rural,female,56,55+,lowest,secondary,employed_informal,24.7,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2023,rural,female,57,55+,second,none,self_employed,22.2,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2024,urban,female,63,55+,second,tertiary,unemployed,1.3,0.7,1,salary_account,Dashen Bank,3,0,272.13,none,0,1,0,moderate_burden
Mozambique,2023,rural,female,45,35-44,middle,none,self_employed,1.7,0.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2019,urban,female,30,25-34,second,tertiary,self_employed,0.3,2.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Niger,2018,urban,male,46,45-54,fourth,tertiary,student,7.2,0.1,1,savings,Sonibank,0,24,0.0,none,0,0,1,moderate_burden
Senegal,2023,rural,female,39,35-44,lowest,secondary,employed_informal,2.9,17.1,1,current,Ecobank,2,0,92.02,none,0,0,0,moderate_burden
DRC,2022,rural,female,51,45-54,lowest,tertiary,unemployed,4.6,2.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2018,rural,female,73,55+,fourth,secondary,self_employed,13.7,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2024,rural,male,18,18-24,highest,none,student,28.3,2.0,1,savings,Absa,1,0,708.94,none,0,1,0,moderate_burden
Nigeria,2025,rural,female,43,35-44,middle,none,employed_informal,14.0,28.0,1,savings,GTBank,2,0,194.21,none,0,0,0,moderate_burden
Niger,2023,urban,female,23,18-24,fourth,secondary,employed_formal,0.8,0.4,1,fixed_deposit,Sonibank,1,0,1338.53,none,0,0,0,moderate_burden
Zambia,2021,rural,male,20,18-24,second,primary,self_employed,3.7,1.8,1,savings,Absa,2,0,284.65,none,0,1,0,moderate_burden
Tanzania,2024,rural,female,22,18-24,lowest,secondary,employed_informal,9.0,3.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2018,rural,male,71,55+,highest,primary,employed_formal,84.9,13.8,1,savings,Sonibank,3,0,2894.39,none,0,0,0,moderate_burden
Nigeria,2025,urban,male,55,45-54,middle,secondary,self_employed,0.3,2.4,1,current,Access Bank,4,0,778.76,none,0,1,0,moderate_burden
Nigeria,2020,rural,female,47,45-54,second,primary,self_employed,8.9,2.6,1,savings,Access Bank,0,1,0.0,none,0,1,0,moderate_burden
Ghana,2024,urban,male,69,55+,lowest,primary,self_employed,1.5,0.4,1,current,Stanbic,2,0,282.77,none,0,0,0,moderate_burden
Kenya,2025,urban,male,26,25-34,middle,secondary,employed_informal,4.6,4.6,1,current,Equity Bank,1,0,450.64,none,0,0,0,moderate_burden
Mozambique,2024,rural,male,72,55+,middle,secondary,employed_informal,24.1,8.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2024,rural,female,27,25-34,middle,tertiary,employed_informal,3.0,8.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2021,rural,male,64,55+,fourth,primary,employed_informal,24.9,1.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2024,rural,female,39,35-44,middle,primary,employed_formal,5.7,8.7,1,savings,CRDB,0,18,0.0,none,1,0,0,moderate_burden
South Africa,2023,rural,female,30,25-34,fourth,primary,self_employed,1.6,1.9,1,fixed_deposit,Absa,2,0,529.57,none,0,0,0,moderate_burden
Ghana,2023,urban,male,35,25-34,middle,tertiary,self_employed,3.8,0.2,1,savings,Fidelity,4,0,300.94,none,0,0,0,moderate_burden
DRC,2021,urban,male,65,55+,middle,primary,unemployed,8.2,0.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2020,urban,male,52,45-54,second,secondary,self_employed,1.9,3.3,1,savings,NBC,0,15,0.0,none,0,1,0,moderate_burden
Uganda,2022,urban,female,38,35-44,fourth,secondary,student,5.3,1.2,1,savings,Centenary,4,0,788.0,none,0,0,0,moderate_burden
Mozambique,2020,urban,male,23,18-24,second,secondary,employed_formal,2.8,0.2,1,savings,BCI,1,0,540.73,none,0,0,1,moderate_burden
Tanzania,2022,urban,female,41,35-44,lowest,primary,self_employed,0.3,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2025,urban,male,59,55+,second,primary,unemployed,0.9,0.8,1,current,I&M Bank,0,14,0.0,none,0,1,1,moderate_burden
Senegal,2024,rural,female,37,35-44,fourth,primary,unemployed,3.0,9.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2024,urban,female,23,18-24,lowest,secondary,employed_informal,0.9,0.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2020,rural,male,27,25-34,highest,primary,employed_informal,6.3,7.9,1,current,National Bank,0,1,0.0,none,0,1,1,moderate_burden
Mali,2021,rural,female,52,45-54,second,tertiary,self_employed,10.0,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2020,rural,male,36,35-44,middle,secondary,employed_informal,1.5,2.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2023,urban,male,47,45-54,fourth,none,self_employed,0.0,2.4,1,savings,Millennium BIM,1,0,672.18,none,0,1,0,moderate_burden
Malawi,2024,urban,female,55,45-54,fourth,tertiary,unemployed,0.6,0.1,1,savings,NBS Bank,2,0,744.81,none,0,0,0,moderate_burden
Uganda,2020,urban,female,54,45-54,lowest,primary,employed_formal,0.2,2.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2020,rural,female,51,45-54,middle,tertiary,student,75.9,4.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2018,rural,male,70,55+,fourth,secondary,employed_formal,2.8,0.1,1,savings,Equity Bank,1,0,566.23,none,0,1,0,moderate_burden
Malawi,2023,rural,male,19,18-24,highest,primary,self_employed,9.7,5.2,1,savings,Standard Bank,2,0,908.55,none,0,0,0,moderate_burden
Mozambique,2025,urban,male,70,55+,fourth,primary,student,6.0,2.0,1,current,Moza Banco,0,16,0.0,none,0,1,0,moderate_burden
Zambia,2020,urban,female,58,55+,middle,secondary,unemployed,5.3,4.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,urban,male,29,25-34,highest,none,self_employed,0.7,5.7,1,savings,Ecobank,3,0,4381.85,none,0,1,0,moderate_burden
Malawi,2023,urban,male,66,55+,highest,primary,unemployed,3.1,1.0,1,savings,Standard Bank,1,0,3035.5,none,0,0,1,moderate_burden
Mali,2022,urban,female,23,18-24,lowest,tertiary,student,0.7,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2024,rural,male,18,18-24,lowest,tertiary,employed_informal,48.1,19.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2022,urban,female,19,18-24,middle,primary,unemployed,0.5,1.8,1,savings,First National Bank,0,4,0.0,none,0,0,0,moderate_burden
Malawi,2022,rural,female,57,55+,highest,secondary,self_employed,9.7,3.3,1,savings,NBS Bank,1,0,136.74,none,0,1,0,moderate_burden
Tanzania,2018,urban,male,66,55+,highest,tertiary,employed_informal,0.4,0.6,1,salary_account,NBC,2,0,4434.36,none,0,0,1,moderate_burden
Senegal,2021,urban,female,34,25-34,fourth,none,student,3.3,0.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2018,rural,female,36,35-44,lowest,none,self_employed,5.8,24.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2025,rural,male,71,55+,middle,primary,self_employed,9.2,3.3,1,savings,BCI,2,0,1257.73,none,0,0,0,moderate_burden
South Africa,2018,urban,male,42,35-44,lowest,primary,unemployed,2.6,0.1,1,savings,FNB,0,19,0.0,none,0,1,0,moderate_burden
Rwanda,2019,urban,male,27,25-34,middle,tertiary,self_employed,3.7,1.6,1,current,Ecobank,2,0,386.13,none,0,0,1,moderate_burden
DRC,2021,urban,female,72,55+,fourth,tertiary,employed_formal,7.0,0.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2020,urban,male,32,25-34,lowest,none,employed_informal,9.8,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2021,rural,male,33,25-34,middle,primary,self_employed,8.6,7.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2021,rural,female,70,55+,middle,primary,unemployed,4.1,19.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2022,rural,male,33,25-34,middle,primary,employed_formal,15.4,0.8,1,savings,Stanbic,0,2,0.0,none,1,0,0,moderate_burden
Nigeria,2019,urban,female,25,18-24,middle,none,student,0.3,6.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2019,rural,female,38,35-44,highest,tertiary,employed_informal,4.6,10.5,1,fixed_deposit,Equity Bank,1,0,588.17,none,0,1,0,moderate_burden
Rwanda,2019,rural,female,61,55+,fourth,primary,employed_informal,7.0,13.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2021,rural,male,55,45-54,second,tertiary,unemployed,29.9,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2022,rural,female,45,35-44,second,tertiary,student,4.2,2.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ethiopia,2023,rural,female,50,45-54,lowest,primary,self_employed,4.1,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2019,urban,male,44,35-44,fourth,none,student,0.4,4.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2020,urban,female,38,35-44,second,secondary,self_employed,9.0,0.6,1,savings,Société Générale,4,0,214.82,none,0,1,0,moderate_burden
Niger,2022,urban,female,58,55+,middle,tertiary,employed_informal,3.8,0.6,1,savings,Sonibank,2,0,2801.61,none,0,0,1,moderate_burden
Senegal,2020,rural,female,74,55+,lowest,none,employed_formal,15.2,4.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2025,rural,male,72,55+,second,primary,employed_informal,12.2,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2024,urban,female,59,55+,highest,tertiary,employed_formal,0.9,3.1,1,savings,Standard Bank,4,0,1348.82,none,0,1,1,moderate_burden
Kenya,2025,rural,female,55,45-54,highest,primary,employed_formal,0.7,1.3,1,current,KCB,2,0,327.96,none,0,0,0,moderate_burden
Uganda,2019,rural,male,69,55+,lowest,primary,self_employed,11.7,22.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2024,rural,male,30,25-34,second,none,unemployed,4.2,2.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2023,rural,male,38,35-44,second,primary,self_employed,35.3,2.3,1,salary_account,Ecobank,0,20,0.0,none,0,0,0,moderate_burden
Zambia,2024,rural,male,72,55+,second,tertiary,employed_informal,9.8,8.0,1,fixed_deposit,Absa,3,0,124.54,none,0,0,0,moderate_burden
DRC,2018,urban,male,41,35-44,middle,tertiary,self_employed,3.3,5.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2019,rural,male,19,18-24,fourth,secondary,self_employed,1.3,6.3,1,savings,Ecobank,1,0,185.78,none,0,1,0,moderate_burden
Nigeria,2020,urban,female,65,55+,middle,primary,employed_informal,12.8,4.0,1,current,First Bank,1,0,1113.02,none,0,1,1,moderate_burden
Ghana,2018,urban,male,45,35-44,fourth,none,employed_informal,0.2,6.1,1,savings,Fidelity,1,0,558.25,none,0,1,0,moderate_burden
Rwanda,2024,urban,male,43,35-44,highest,secondary,employed_informal,3.6,1.1,1,current,I&M Bank,3,0,3011.74,none,0,0,1,moderate_burden
Mali,2018,rural,female,19,18-24,second,primary,unemployed,23.9,8.9,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ethiopia,2023,rural,male,43,35-44,lowest,tertiary,self_employed,1.8,6.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2025,rural,female,20,18-24,lowest,secondary,employed_informal,33.5,4.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2019,urban,male,70,55+,highest,secondary,employed_formal,1.3,0.5,1,salary_account,Zanaco,0,11,0.0,none,0,1,1,moderate_burden
South Africa,2022,urban,male,66,55+,middle,primary,student,0.1,0.7,1,current,Capitec,0,3,0.0,none,0,0,0,moderate_burden
Rwanda,2021,rural,male,53,45-54,highest,tertiary,employed_informal,12.7,17.5,1,current,I&M Bank,1,0,1486.32,none,0,0,0,moderate_burden
South Africa,2020,rural,female,54,45-54,middle,tertiary,self_employed,8.4,20.2,1,current,Nedbank,2,0,791.28,none,0,0,0,moderate_burden
Ghana,2025,rural,female,57,55+,second,tertiary,unemployed,3.7,19.1,1,savings,Stanbic,4,0,273.72,none,0,1,0,moderate_burden
Niger,2023,urban,female,37,35-44,middle,tertiary,self_employed,4.0,3.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2025,rural,female,18,18-24,middle,tertiary,self_employed,0.8,1.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Tanzania,2018,urban,female,41,35-44,fourth,secondary,employed_informal,5.2,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2024,rural,female,37,35-44,middle,primary,self_employed,17.4,3.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2024,urban,male,53,45-54,second,none,self_employed,0.2,1.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2024,rural,male,21,18-24,lowest,secondary,unemployed,9.7,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2019,rural,male,44,35-44,highest,none,self_employed,1.6,14.5,1,savings,BDM,0,19,0.0,none,0,0,0,moderate_burden
Tanzania,2018,rural,male,58,55+,second,secondary,self_employed,21.2,3.6,1,savings,Stanbic,0,3,0.0,none,0,0,0,moderate_burden
Malawi,2020,urban,male,58,55+,second,secondary,student,0.6,2.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2022,rural,female,48,45-54,highest,primary,employed_informal,5.1,5.2,1,current,NBS Bank,3,0,518.09,none,0,0,0,moderate_burden
DRC,2025,rural,female,57,55+,second,tertiary,self_employed,15.2,0.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2018,rural,female,24,18-24,middle,tertiary,self_employed,15.7,0.5,1,savings,Absa,2,0,1123.01,none,0,1,0,moderate_burden
Uganda,2025,urban,female,62,55+,highest,primary,student,1.6,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2018,rural,male,40,35-44,second,secondary,self_employed,0.3,3.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2018,rural,female,73,55+,highest,primary,employed_informal,5.4,1.1,1,savings,Coris Bank,0,5,0.0,none,0,1,0,moderate_burden
Ethiopia,2021,rural,male,33,25-34,fourth,none,self_employed,25.7,0.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2020,urban,male,25,18-24,second,secondary,student,0.0,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2020,urban,female,38,35-44,fourth,primary,employed_informal,0.2,2.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,urban,male,59,55+,lowest,tertiary,self_employed,3.7,1.2,1,savings,Dashen Bank,2,0,433.05,none,0,1,1,moderate_burden
Kenya,2018,rural,female,57,55+,second,none,employed_formal,4.7,3.5,1,current,Stanbic,1,0,167.12,none,0,0,0,moderate_burden
Niger,2024,urban,female,64,55+,middle,secondary,self_employed,4.6,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2018,rural,male,40,35-44,fourth,primary,self_employed,9.8,11.8,1,fixed_deposit,Dashen Bank,2,0,318.98,none,1,0,0,moderate_burden
DRC,2022,rural,male,34,25-34,lowest,primary,unemployed,11.7,6.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2023,rural,female,57,55+,fourth,secondary,employed_informal,26.6,2.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2021,urban,male,55,45-54,middle,secondary,student,3.2,0.6,1,fixed_deposit,Standard Bank,2,0,1677.2,none,0,0,0,moderate_burden
Tanzania,2025,rural,male,69,55+,highest,secondary,employed_informal,6.0,7.0,1,fixed_deposit,Absa,1,0,348.77,none,0,0,1,moderate_burden
Niger,2018,rural,female,62,55+,second,primary,employed_formal,1.3,4.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2022,urban,female,30,25-34,lowest,none,unemployed,1.2,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,rural,female,69,55+,fourth,primary,employed_informal,7.8,7.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2019,rural,female,49,45-54,middle,tertiary,self_employed,48.4,3.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2024,rural,female,67,55+,highest,primary,unemployed,11.9,4.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,urban,female,66,55+,lowest,none,employed_formal,0.6,3.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2025,urban,female,28,25-34,lowest,primary,employed_informal,0.7,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2024,rural,male,33,25-34,second,secondary,employed_formal,2.9,4.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,rural,male,66,55+,middle,primary,employed_informal,15.0,4.4,1,savings,FNB,0,13,0.0,none,0,1,1,moderate_burden
Mali,2025,urban,female,71,55+,fourth,primary,self_employed,8.6,0.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2022,urban,female,73,55+,second,tertiary,employed_formal,1.1,0.8,1,savings,Capitec,2,0,1215.92,none,0,1,0,moderate_burden
South Africa,2018,rural,male,45,35-44,second,secondary,self_employed,7.7,10.5,1,savings,Absa,3,0,338.86,none,0,1,1,moderate_burden
South Africa,2022,rural,female,33,25-34,highest,tertiary,self_employed,0.5,21.6,1,current,Absa,2,0,903.87,none,1,1,0,moderate_burden
Niger,2021,rural,male,34,25-34,fourth,secondary,employed_informal,64.8,2.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2019,rural,female,19,18-24,highest,primary,unemployed,23.7,10.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2018,urban,male,47,45-54,lowest,primary,employed_formal,0.9,0.4,1,savings,Millennium BIM,1,0,37.57,none,0,1,0,moderate_burden
Niger,2025,rural,female,34,25-34,highest,tertiary,student,13.5,4.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2021,rural,male,30,25-34,second,tertiary,employed_informal,11.1,4.3,1,salary_account,GTBank,1,0,175.0,none,0,1,0,moderate_burden
South Africa,2019,rural,male,58,55+,second,secondary,employed_formal,2.3,6.3,1,savings,Absa,1,0,508.34,none,0,1,0,moderate_burden
South Africa,2022,urban,female,21,18-24,lowest,secondary,employed_informal,5.2,0.3,1,salary_account,Nedbank,1,0,103.41,none,1,1,0,moderate_burden
Niger,2020,rural,female,24,18-24,highest,tertiary,unemployed,93.1,5.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2024,rural,female,21,18-24,lowest,secondary,unemployed,0.8,13.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2025,rural,female,66,55+,second,primary,employed_informal,42.3,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2019,rural,male,26,25-34,second,secondary,self_employed,4.0,3.0,1,savings,Zenith Bank,2,0,179.31,none,0,0,1,moderate_burden
Senegal,2021,urban,female,57,55+,second,secondary,self_employed,2.6,0.2,1,savings,Ecobank,2,0,797.68,none,0,0,0,moderate_burden
Zambia,2022,rural,female,19,18-24,middle,primary,employed_informal,42.5,4.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2022,rural,male,51,45-54,middle,tertiary,unemployed,8.8,0.2,1,current,First Bank,1,0,666.25,none,0,1,0,moderate_burden
Rwanda,2021,rural,male,34,25-34,middle,tertiary,employed_informal,17.7,6.9,1,fixed_deposit,Equity Bank,0,11,0.0,none,0,0,0,moderate_burden
Mozambique,2025,urban,female,24,18-24,middle,primary,self_employed,2.9,0.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Niger,2024,rural,female,27,25-34,fourth,primary,self_employed,19.8,2.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2024,rural,male,62,55+,second,secondary,unemployed,5.6,2.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2025,rural,female,19,18-24,second,secondary,self_employed,17.1,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2019,rural,female,63,55+,lowest,primary,employed_informal,4.6,13.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2020,rural,female,20,18-24,second,none,unemployed,1.6,1.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2025,rural,female,73,55+,fourth,primary,employed_informal,9.3,6.1,1,savings,Commercial Bank of Ethiopia,1,0,264.74,none,0,0,0,moderate_burden
Malawi,2020,rural,female,31,25-34,lowest,tertiary,self_employed,2.4,11.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2024,rural,female,40,35-44,fourth,primary,self_employed,10.3,10.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2020,urban,male,62,55+,fourth,primary,self_employed,2.1,4.4,1,savings,NCBA,0,9,0.0,none,0,0,0,moderate_burden
Niger,2023,rural,female,72,55+,highest,secondary,unemployed,5.5,29.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2020,rural,male,56,55+,second,secondary,self_employed,9.5,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2022,urban,female,19,18-24,fourth,primary,employed_informal,0.6,0.5,1,current,BDM,1,0,1168.38,none,0,1,1,moderate_burden
Mali,2020,rural,male,58,55+,second,tertiary,unemployed,15.2,1.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2018,urban,male,66,55+,lowest,primary,employed_formal,1.7,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2020,urban,female,66,55+,middle,primary,self_employed,0.4,0.7,1,savings,FBNBank,0,20,0.0,none,0,1,0,moderate_burden
Malawi,2023,urban,female,22,18-24,middle,secondary,employed_formal,2.1,0.7,1,savings,FDH Bank,4,0,4223.61,none,0,0,0,moderate_burden
South Africa,2020,urban,male,24,18-24,middle,none,self_employed,0.6,0.1,1,savings,Nedbank,0,2,0.0,none,0,1,1,moderate_burden
Tanzania,2019,urban,female,44,35-44,lowest,primary,self_employed,3.3,3.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2024,urban,male,56,55+,fourth,primary,unemployed,5.5,1.5,1,savings,Absa,2,0,585.41,none,0,0,0,moderate_burden
Mozambique,2022,urban,male,28,25-34,highest,primary,employed_informal,3.4,2.9,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Kenya,2020,rural,male,30,25-34,lowest,tertiary,employed_informal,3.7,7.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,urban,female,71,55+,middle,tertiary,self_employed,3.8,3.4,1,savings,Millennium BIM,2,0,329.04,none,0,1,0,moderate_burden
Niger,2019,rural,female,38,35-44,second,tertiary,unemployed,11.0,1.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2018,urban,female,31,25-34,lowest,tertiary,self_employed,5.3,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2019,rural,female,24,18-24,lowest,secondary,unemployed,4.5,4.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2025,rural,female,43,35-44,lowest,primary,employed_formal,105.9,26.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2019,urban,female,47,45-54,fourth,secondary,unemployed,2.7,0.1,1,fixed_deposit,UBA,2,0,839.76,none,0,1,0,moderate_burden
Uganda,2019,rural,male,20,18-24,lowest,primary,self_employed,4.5,8.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2024,rural,male,39,35-44,middle,primary,unemployed,40.7,0.2,1,current,Equity Bank,1,0,590.78,none,1,1,0,moderate_burden
Kenya,2021,urban,female,40,35-44,lowest,none,student,9.8,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2019,urban,female,61,55+,highest,primary,employed_formal,4.1,2.6,1,salary_account,Société Générale,1,0,5343.63,none,0,0,0,moderate_burden
DRC,2019,rural,female,29,25-34,highest,secondary,employed_formal,42.2,17.8,1,savings,FBNBank,3,0,2522.53,none,0,0,0,moderate_burden
Malawi,2023,urban,female,26,25-34,second,tertiary,self_employed,3.7,0.3,1,current,National Bank,2,0,203.41,none,1,1,0,moderate_burden
Zambia,2024,rural,male,65,55+,highest,secondary,employed_informal,28.3,9.6,1,savings,Stanbic,0,23,0.0,none,0,0,0,moderate_burden
Tanzania,2021,urban,female,65,55+,fourth,secondary,unemployed,0.9,1.4,1,fixed_deposit,NBC,1,0,1765.84,none,0,0,0,moderate_burden
Nigeria,2020,rural,male,49,45-54,second,tertiary,self_employed,43.2,9.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2018,rural,female,30,25-34,fourth,secondary,employed_formal,40.5,19.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2020,rural,female,45,35-44,fourth,primary,unemployed,40.3,8.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ethiopia,2022,urban,female,66,55+,highest,tertiary,employed_informal,3.5,2.2,1,savings,Dashen Bank,2,0,719.02,none,0,0,0,moderate_burden
South Africa,2018,rural,female,59,55+,second,secondary,self_employed,17.4,3.0,1,savings,Capitec,1,0,582.4,none,1,1,0,moderate_burden
Uganda,2021,rural,female,73,55+,lowest,secondary,self_employed,10.4,3.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2021,rural,female,52,45-54,lowest,secondary,employed_informal,23.3,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2023,rural,female,20,18-24,second,primary,self_employed,44.1,2.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2025,rural,female,23,18-24,second,tertiary,employed_informal,1.6,11.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Kenya,2021,rural,female,43,35-44,middle,primary,self_employed,10.2,19.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2023,rural,male,30,25-34,lowest,secondary,self_employed,1.2,0.2,1,current,Standard Bank,1,0,62.82,none,0,0,0,moderate_burden
Mozambique,2025,rural,male,18,18-24,middle,secondary,unemployed,19.8,3.9,1,fixed_deposit,Standard Bank,1,0,153.83,none,0,0,0,moderate_burden
Rwanda,2024,rural,male,55,45-54,second,secondary,employed_informal,7.5,0.5,1,salary_account,Ecobank,3,0,431.31,none,0,0,1,moderate_burden
Ghana,2025,urban,male,50,45-54,fourth,secondary,self_employed,0.6,0.0,1,current,GCB,1,0,1607.68,none,0,0,1,moderate_burden
Tanzania,2022,urban,male,39,35-44,second,primary,employed_formal,0.3,2.9,1,salary_account,Stanbic,0,21,0.0,none,1,0,1,moderate_burden
Mali,2023,rural,male,45,35-44,highest,secondary,self_employed,4.9,10.7,1,current,BDM,0,13,0.0,none,0,0,0,moderate_burden
Zambia,2024,rural,male,26,25-34,highest,secondary,unemployed,9.3,2.1,1,savings,Stanbic,4,0,1548.67,none,0,1,0,moderate_burden
Rwanda,2022,rural,male,50,45-54,fourth,primary,unemployed,8.3,3.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2022,rural,female,22,18-24,highest,primary,employed_formal,1.1,8.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,rural,female,67,55+,fourth,primary,self_employed,11.8,4.6,1,savings,NCBA,2,0,2478.55,none,0,0,1,moderate_burden
Ghana,2021,rural,female,46,45-54,middle,tertiary,student,5.5,5.1,1,current,GCB,0,3,0.0,none,0,1,0,moderate_burden
Ethiopia,2024,rural,female,28,25-34,lowest,primary,employed_informal,84.7,2.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2024,urban,female,52,45-54,lowest,secondary,employed_informal,3.7,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2019,rural,male,18,18-24,fourth,primary,employed_formal,0.6,50.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2023,urban,female,50,45-54,lowest,none,employed_formal,2.1,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2019,urban,male,39,35-44,lowest,none,employed_informal,4.8,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2023,urban,male,45,35-44,highest,primary,employed_formal,1.2,1.1,1,savings,BMCD,1,0,2364.47,none,0,0,1,moderate_burden
Nigeria,2020,rural,female,74,55+,highest,secondary,employed_formal,8.6,0.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2018,rural,female,61,55+,lowest,primary,employed_informal,5.3,11.9,1,current,Dashen Bank,3,0,71.75,none,0,0,0,moderate_burden
Mozambique,2019,urban,male,25,18-24,fourth,secondary,self_employed,14.5,1.8,1,current,BCI,2,0,815.04,none,0,0,0,moderate_burden
Zambia,2020,urban,female,29,25-34,fourth,primary,employed_informal,7.6,0.0,1,fixed_deposit,Absa,3,0,890.0,none,0,1,1,moderate_burden
Ethiopia,2021,rural,male,25,18-24,second,secondary,self_employed,5.9,10.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2020,urban,male,59,55+,second,secondary,employed_informal,7.1,0.7,1,savings,Stanbic,4,0,521.28,none,0,0,0,moderate_burden
Mali,2018,rural,male,39,35-44,middle,secondary,unemployed,4.3,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2023,urban,male,64,55+,second,secondary,employed_informal,5.6,1.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2022,urban,male,42,35-44,lowest,primary,self_employed,4.0,2.2,1,savings,DFCU,1,0,33.37,none,0,0,1,moderate_burden
Kenya,2018,rural,male,74,55+,lowest,primary,unemployed,28.0,1.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2024,rural,female,35,25-34,second,secondary,employed_formal,3.6,0.7,1,savings,Awash Bank,4,0,326.14,none,0,0,0,moderate_burden
Senegal,2024,rural,female,50,45-54,highest,secondary,employed_informal,32.6,3.6,1,savings,Ecobank,1,0,2565.96,none,1,1,0,moderate_burden
DRC,2019,urban,female,22,18-24,highest,none,employed_informal,1.5,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2018,urban,female,41,35-44,second,primary,unemployed,3.4,0.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2020,urban,female,44,35-44,middle,primary,unemployed,1.4,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2020,rural,male,42,35-44,fourth,secondary,employed_informal,7.4,6.8,1,savings,NBC,3,0,1123.9,none,0,0,0,moderate_burden
Mali,2025,rural,male,44,35-44,second,secondary,self_employed,1.9,11.6,1,savings,Ecobank,1,0,405.21,none,0,0,0,moderate_burden
Mali,2024,urban,female,58,55+,fourth,primary,employed_informal,1.7,1.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2022,urban,female,26,25-34,lowest,secondary,employed_formal,0.3,3.1,1,savings,Equity Bank,1,0,422.22,none,0,1,0,moderate_burden
Uganda,2023,rural,male,22,18-24,highest,none,employed_formal,22.6,3.7,1,salary_account,Centenary,2,0,1877.49,none,0,0,0,moderate_burden
Uganda,2021,rural,female,35,25-34,second,secondary,employed_formal,32.9,2.0,1,savings,Equity Bank,2,0,409.21,none,0,1,0,moderate_burden
Kenya,2020,rural,female,54,45-54,highest,primary,unemployed,44.3,1.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Uganda,2021,rural,female,58,55+,lowest,none,student,12.3,2.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2024,rural,female,35,25-34,lowest,primary,unemployed,17.8,4.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2021,urban,female,22,18-24,lowest,none,unemployed,7.3,2.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2024,urban,male,59,55+,fourth,none,employed_informal,1.8,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2025,rural,female,64,55+,lowest,none,unemployed,10.1,7.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2019,rural,female,22,18-24,second,secondary,unemployed,2.5,4.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2019,urban,female,31,25-34,lowest,secondary,student,1.7,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2021,urban,male,41,35-44,highest,secondary,unemployed,2.2,0.9,1,salary_account,NBS Bank,1,0,3435.89,none,0,1,0,moderate_burden
Ghana,2022,rural,female,43,35-44,highest,tertiary,self_employed,3.6,1.0,1,savings,Absa,1,0,2014.24,none,0,1,0,moderate_burden
Senegal,2024,rural,female,42,35-44,lowest,primary,self_employed,19.5,9.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Malawi,2023,urban,female,28,25-34,lowest,none,self_employed,6.0,0.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2020,rural,female,48,45-54,second,tertiary,employed_informal,27.8,0.7,1,current,Equity BCDC,1,0,293.66,none,1,0,0,moderate_burden
Ghana,2023,urban,female,48,45-54,middle,tertiary,self_employed,2.3,0.4,1,current,GCB,0,23,0.0,none,0,1,1,moderate_burden
Tanzania,2024,urban,male,25,18-24,second,secondary,student,4.5,2.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2019,rural,female,57,55+,highest,tertiary,employed_informal,9.0,13.0,1,fixed_deposit,BMCD,1,0,2357.45,none,0,0,1,moderate_burden
Ethiopia,2023,rural,male,49,45-54,lowest,tertiary,unemployed,76.3,4.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2023,urban,female,31,25-34,middle,primary,unemployed,11.0,0.0,1,salary_account,Absa,1,0,819.54,none,0,0,0,moderate_burden
Mali,2020,urban,male,29,25-34,lowest,secondary,self_employed,1.7,0.2,1,savings,BMCD,0,21,0.0,none,1,1,1,moderate_burden
South Africa,2025,rural,female,64,55+,lowest,tertiary,unemployed,3.8,1.2,1,salary_account,Absa,1,0,81.0,none,0,0,0,moderate_burden
South Africa,2024,rural,male,43,35-44,lowest,none,employed_informal,4.0,0.7,1,current,FNB,2,0,193.79,none,0,1,0,moderate_burden
Malawi,2021,rural,male,63,55+,middle,secondary,self_employed,14.1,4.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2020,rural,female,52,45-54,fourth,none,employed_formal,9.0,0.4,1,savings,Sonibank,2,0,906.31,none,0,0,0,moderate_burden
Ethiopia,2021,urban,female,47,45-54,highest,tertiary,unemployed,1.1,0.7,1,current,Awash Bank,2,0,2292.46,none,1,0,1,moderate_burden
Mali,2023,urban,female,46,45-54,highest,none,student,2.2,2.5,1,salary_account,BMCD,3,0,2568.3,none,0,0,1,moderate_burden
South Africa,2025,urban,female,34,25-34,fourth,none,employed_informal,2.0,1.5,1,savings,Standard Bank,2,0,692.26,none,0,1,0,moderate_burden
Uganda,2020,rural,male,22,18-24,lowest,primary,student,14.7,19.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2024,urban,male,24,18-24,lowest,tertiary,self_employed,9.3,0.1,1,current,BDM,0,4,0.0,none,0,0,0,moderate_burden
Zambia,2020,rural,male,43,35-44,second,primary,self_employed,7.3,0.6,1,salary_account,First National Bank,2,0,496.35,none,0,1,0,moderate_burden
Ghana,2024,rural,female,19,18-24,lowest,secondary,student,25.3,26.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2021,urban,male,68,55+,fourth,primary,employed_informal,1.5,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2019,urban,female,65,55+,fourth,primary,employed_informal,0.7,1.1,1,current,Société Générale,1,0,1725.83,none,1,1,0,moderate_burden
Ethiopia,2019,urban,male,62,55+,fourth,secondary,self_employed,4.0,0.1,1,savings,Dashen Bank,0,15,0.0,none,0,1,1,moderate_burden
Nigeria,2019,rural,female,68,55+,fourth,secondary,employed_formal,1.6,2.3,1,savings,UBA,2,0,1376.31,none,0,0,0,moderate_burden
South Africa,2024,urban,female,27,25-34,middle,secondary,employed_informal,3.3,0.8,1,current,Absa,2,0,1382.25,none,1,0,1,moderate_burden
Ethiopia,2025,urban,male,55,45-54,fourth,primary,employed_informal,7.5,6.7,1,savings,Commercial Bank of Ethiopia,0,22,0.0,none,0,1,0,moderate_burden
Nigeria,2020,rural,male,63,55+,middle,none,self_employed,2.4,12.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2020,urban,female,51,45-54,middle,tertiary,employed_informal,0.4,2.0,1,fixed_deposit,Absa,1,0,220.04,none,1,1,0,moderate_burden
Mozambique,2023,urban,male,63,55+,highest,tertiary,student,4.2,1.4,1,current,Moza Banco,1,0,2442.24,none,0,1,1,moderate_burden
Uganda,2021,urban,female,23,18-24,second,primary,employed_formal,0.2,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2021,urban,female,54,45-54,fourth,tertiary,unemployed,3.9,0.5,1,savings,NBC,1,0,496.56,none,0,0,1,moderate_burden
Nigeria,2019,urban,female,26,25-34,middle,none,employed_informal,2.4,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2024,rural,female,58,55+,fourth,primary,self_employed,5.6,0.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2021,rural,male,50,45-54,fourth,none,employed_informal,38.8,17.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2020,rural,female,61,55+,lowest,secondary,self_employed,0.1,2.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2021,rural,male,47,45-54,highest,tertiary,unemployed,4.3,13.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2021,urban,male,66,55+,second,secondary,self_employed,2.2,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2018,rural,female,58,55+,highest,tertiary,unemployed,12.8,0.4,1,savings,Equity Bank,2,0,2614.13,none,0,0,1,moderate_burden
Mali,2022,rural,male,27,25-34,fourth,secondary,self_employed,7.4,9.4,1,savings,BDM,1,0,952.37,none,0,1,0,moderate_burden
Nigeria,2022,rural,female,74,55+,middle,secondary,employed_informal,2.3,8.0,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Tanzania,2024,urban,male,66,55+,fourth,primary,self_employed,2.2,4.4,1,salary_account,Stanbic,4,0,1265.82,none,0,1,0,moderate_burden
Niger,2025,rural,female,60,55+,second,none,employed_informal,3.5,6.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2025,urban,female,27,25-34,middle,primary,employed_formal,4.6,1.5,1,fixed_deposit,Standard Bank,3,0,384.44,none,0,0,1,moderate_burden
Nigeria,2021,urban,male,63,55+,lowest,tertiary,self_employed,4.3,0.3,1,current,Access Bank,4,0,427.36,none,0,1,0,moderate_burden
Ethiopia,2022,rural,male,59,55+,middle,none,employed_informal,2.0,2.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2022,urban,female,43,35-44,lowest,none,employed_informal,1.0,0.9,1,fixed_deposit,DFCU,1,0,324.16,none,0,0,1,moderate_burden
DRC,2022,rural,male,20,18-24,lowest,none,self_employed,9.0,4.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2023,urban,female,28,25-34,fourth,primary,student,3.1,3.1,1,salary_account,BMCD,3,0,1022.51,none,0,0,1,moderate_burden
Ethiopia,2022,rural,male,39,35-44,middle,none,employed_informal,22.1,8.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2019,rural,male,64,55+,lowest,secondary,employed_formal,15.3,17.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Niger,2020,rural,male,66,55+,second,primary,self_employed,23.1,7.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Tanzania,2018,rural,male,63,55+,highest,secondary,employed_informal,69.4,10.2,1,savings,NBC,1,0,5206.91,none,1,1,1,moderate_burden
Rwanda,2021,rural,male,63,55+,second,secondary,employed_informal,23.1,5.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2024,urban,male,66,55+,fourth,primary,employed_informal,3.7,1.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2020,rural,female,61,55+,lowest,secondary,self_employed,0.6,8.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Tanzania,2023,rural,male,23,18-24,fourth,primary,employed_informal,3.9,17.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2024,urban,female,59,55+,middle,tertiary,unemployed,1.6,3.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2023,rural,female,21,18-24,second,secondary,self_employed,6.3,13.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2021,rural,male,46,45-54,second,secondary,employed_informal,51.1,6.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2025,rural,male,63,55+,highest,primary,unemployed,9.6,30.4,1,savings,KCB,2,0,3124.2,none,0,1,0,moderate_burden
Kenya,2025,rural,female,51,45-54,fourth,secondary,unemployed,19.3,1.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2024,rural,male,39,35-44,middle,secondary,employed_informal,6.8,1.2,1,savings,Equity Bank,2,0,581.17,none,1,0,0,moderate_burden
Kenya,2022,urban,female,61,55+,middle,primary,unemployed,1.1,1.2,1,savings,Cooperative Bank,2,0,297.42,none,0,1,0,moderate_burden
Tanzania,2020,rural,female,23,18-24,second,primary,employed_informal,48.9,18.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2021,rural,male,23,18-24,highest,primary,employed_informal,4.5,12.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2019,rural,female,49,45-54,fourth,none,self_employed,24.4,4.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2020,rural,male,45,35-44,fourth,secondary,employed_informal,1.2,10.3,1,savings,Fidelity,1,0,683.08,none,0,0,0,moderate_burden
South Africa,2022,rural,female,23,18-24,fourth,none,employed_formal,13.5,6.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Zambia,2025,rural,male,41,35-44,fourth,tertiary,employed_informal,19.5,5.2,1,current,Absa,2,0,409.77,none,0,0,1,moderate_burden
Ethiopia,2018,rural,female,30,25-34,lowest,primary,self_employed,3.6,12.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2018,urban,female,34,25-34,lowest,secondary,unemployed,0.2,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2019,rural,female,40,35-44,middle,secondary,self_employed,19.3,1.1,1,salary_account,FNB,1,0,669.61,none,0,0,0,moderate_burden
Kenya,2018,urban,female,24,18-24,middle,tertiary,unemployed,6.4,1.2,1,savings,NCBA,1,0,498.11,none,0,1,0,moderate_burden
South Africa,2018,urban,female,58,55+,highest,tertiary,self_employed,3.8,0.2,1,current,Capitec,1,0,1290.32,none,0,1,0,moderate_burden
Malawi,2025,urban,female,71,55+,second,none,self_employed,3.5,1.9,1,fixed_deposit,NBS Bank,1,0,194.76,none,0,0,0,moderate_burden
Ethiopia,2023,rural,male,41,35-44,highest,primary,self_employed,1.4,27.3,1,savings,Awash Bank,4,0,3278.89,none,0,0,0,moderate_burden
Zambia,2023,urban,male,57,55+,second,primary,unemployed,13.1,0.4,1,savings,Stanbic,2,0,281.17,none,0,1,0,moderate_burden
Mozambique,2025,rural,female,37,35-44,highest,tertiary,self_employed,32.5,4.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,rural,male,31,25-34,highest,secondary,unemployed,17.8,13.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2019,rural,male,62,55+,middle,primary,unemployed,2.4,2.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2023,rural,female,72,55+,second,primary,self_employed,27.3,4.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2023,rural,male,33,25-34,middle,secondary,self_employed,0.6,15.8,1,savings,Orabank,0,17,0.0,none,0,0,0,moderate_burden
Tanzania,2018,urban,female,49,45-54,second,secondary,unemployed,2.4,1.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2020,rural,female,58,55+,middle,primary,employed_informal,7.4,0.0,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2024,rural,male,21,18-24,lowest,secondary,unemployed,0.1,22.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,rural,male,63,55+,highest,secondary,student,4.7,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2023,urban,female,68,55+,lowest,secondary,employed_formal,13.3,2.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2020,rural,male,20,18-24,fourth,primary,unemployed,15.7,2.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2020,urban,female,68,55+,middle,secondary,employed_informal,2.0,0.0,1,savings,Stanbic,2,0,441.63,none,0,0,0,moderate_burden
Tanzania,2018,urban,male,59,55+,highest,secondary,self_employed,1.9,0.9,1,savings,Stanbic,1,0,789.47,none,0,0,0,moderate_burden
Uganda,2018,rural,female,33,25-34,lowest,primary,self_employed,12.9,6.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2024,rural,male,55,45-54,lowest,none,self_employed,4.6,4.0,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Kenya,2025,rural,female,38,35-44,second,none,employed_informal,7.6,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2022,urban,female,41,35-44,lowest,secondary,self_employed,0.8,0.5,1,savings,Dashen Bank,4,0,290.14,none,0,1,0,moderate_burden
DRC,2021,urban,male,35,25-34,highest,tertiary,employed_informal,2.8,1.5,1,fixed_deposit,FBNBank,1,0,514.96,none,0,0,1,moderate_burden
Kenya,2022,urban,female,55,45-54,lowest,primary,student,2.9,0.8,1,savings,NCBA,0,18,0.0,none,0,0,1,moderate_burden
DRC,2024,rural,female,19,18-24,fourth,none,self_employed,4.3,7.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2024,rural,male,34,25-34,middle,none,student,3.6,8.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2025,rural,female,67,55+,highest,tertiary,employed_informal,6.5,0.8,1,savings,BAK,0,3,0.0,none,1,0,0,moderate_burden
Ethiopia,2020,rural,male,39,35-44,fourth,primary,unemployed,21.9,1.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Tanzania,2022,urban,female,23,18-24,middle,tertiary,unemployed,5.4,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2024,rural,male,41,35-44,lowest,secondary,employed_informal,20.4,1.6,1,savings,Nedbank,0,18,0.0,none,0,0,0,moderate_burden
Mali,2021,urban,female,33,25-34,lowest,primary,employed_informal,0.9,2.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2023,urban,female,36,35-44,middle,none,employed_informal,1.7,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2019,rural,female,25,18-24,second,tertiary,employed_informal,3.6,9.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2022,rural,male,60,55+,fourth,tertiary,employed_informal,53.1,7.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,urban,male,73,55+,second,tertiary,employed_formal,3.5,0.8,1,savings,KCB,0,10,0.0,none,0,0,0,moderate_burden
South Africa,2021,rural,female,63,55+,lowest,primary,self_employed,8.9,0.8,1,savings,Nedbank,2,0,132.93,none,0,0,0,moderate_burden
Niger,2025,rural,female,66,55+,lowest,secondary,self_employed,5.1,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2022,urban,male,58,55+,second,none,employed_informal,1.8,0.4,1,salary_account,BCDC,1,0,405.36,none,1,1,0,moderate_burden
Rwanda,2025,urban,female,23,18-24,highest,primary,employed_informal,0.9,0.6,1,savings,I&M Bank,1,0,2897.28,none,0,0,0,moderate_burden
South Africa,2023,rural,male,38,35-44,middle,tertiary,self_employed,2.3,8.5,1,savings,Nedbank,3,0,145.64,none,0,0,0,moderate_burden
DRC,2018,urban,male,62,55+,second,primary,self_employed,5.6,4.3,1,savings,Equity BCDC,1,0,374.21,none,0,1,0,moderate_burden
Kenya,2018,urban,female,26,25-34,highest,tertiary,employed_formal,0.3,1.2,1,savings,Cooperative Bank,1,0,2076.34,none,0,0,1,moderate_burden
Kenya,2020,rural,male,34,25-34,second,tertiary,employed_informal,0.1,1.4,1,fixed_deposit,NCBA,0,13,0.0,none,0,1,0,moderate_burden
Mali,2019,rural,female,60,55+,lowest,secondary,unemployed,8.7,12.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2021,urban,male,24,18-24,middle,none,self_employed,1.3,4.0,1,current,FBNBank,1,0,1227.6,none,0,1,1,moderate_burden
Nigeria,2024,urban,male,66,55+,highest,secondary,employed_informal,0.5,0.1,1,current,Access Bank,3,0,5452.65,none,1,0,1,moderate_burden
Ghana,2023,rural,female,44,35-44,highest,none,employed_informal,3.7,12.6,1,savings,GCB,2,0,1725.58,none,0,0,0,moderate_burden
Senegal,2023,rural,male,22,18-24,fourth,secondary,self_employed,23.5,16.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2021,rural,male,43,35-44,middle,primary,unemployed,6.5,3.7,1,current,I&M Bank,1,0,941.63,none,0,0,1,moderate_burden
Senegal,2025,urban,female,36,35-44,lowest,primary,employed_informal,1.1,0.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2022,rural,male,26,25-34,fourth,none,employed_formal,51.8,4.1,1,savings,Equity Bank,1,0,1466.29,none,0,0,1,moderate_burden
Mozambique,2025,rural,male,52,45-54,fourth,secondary,employed_formal,27.8,12.5,1,savings,BCI,1,0,745.13,none,0,1,0,moderate_burden
DRC,2020,rural,female,55,45-54,second,primary,self_employed,1.0,1.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2018,rural,male,40,35-44,highest,tertiary,self_employed,17.3,4.7,1,savings,NMB,3,0,3166.53,none,0,1,0,moderate_burden
Tanzania,2019,rural,female,22,18-24,middle,primary,self_employed,23.4,1.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2018,urban,male,20,18-24,lowest,secondary,self_employed,3.9,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2018,rural,male,60,55+,second,primary,employed_formal,16.1,5.0,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2022,urban,male,27,25-34,lowest,secondary,employed_informal,3.1,0.8,1,savings,Ecobank,1,0,570.35,none,0,0,0,moderate_burden
Tanzania,2020,rural,female,39,35-44,highest,secondary,self_employed,7.8,2.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2022,rural,female,21,18-24,second,primary,employed_formal,1.5,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2024,urban,female,34,25-34,middle,secondary,employed_formal,2.3,1.7,1,salary_account,Equity Bank,0,23,0.0,none,0,0,0,moderate_burden
Ethiopia,2020,urban,male,56,55+,fourth,primary,self_employed,0.7,1.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2025,rural,male,44,35-44,fourth,primary,employed_informal,5.6,2.9,1,salary_account,FNB,4,0,3289.13,none,0,1,0,moderate_burden
Tanzania,2023,urban,male,38,35-44,lowest,none,employed_informal,0.2,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,urban,male,23,18-24,lowest,secondary,self_employed,8.6,3.1,1,savings,Awash Bank,1,0,349.1,none,0,0,0,moderate_burden
Malawi,2022,urban,female,41,35-44,second,tertiary,self_employed,1.7,2.0,1,current,FDH Bank,1,0,260.45,none,0,0,1,moderate_burden
Mali,2019,rural,female,72,55+,second,tertiary,employed_informal,33.6,0.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2019,urban,male,21,18-24,second,secondary,employed_formal,8.2,0.4,1,savings,Ecobank,2,0,268.44,none,0,1,1,moderate_burden
Mozambique,2021,urban,female,72,55+,lowest,primary,unemployed,1.8,3.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Tanzania,2019,rural,male,47,45-54,fourth,secondary,unemployed,23.9,2.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2024,urban,male,23,18-24,fourth,secondary,employed_informal,15.4,0.3,1,savings,Centenary,2,0,543.66,none,0,1,1,moderate_burden
Malawi,2024,rural,female,26,25-34,second,tertiary,employed_informal,81.9,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2018,urban,male,66,55+,middle,secondary,student,1.1,0.1,1,current,Zenith Bank,0,13,0.0,none,0,1,0,moderate_burden
Ethiopia,2025,urban,female,45,35-44,lowest,none,self_employed,2.2,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2020,rural,female,56,55+,highest,primary,unemployed,27.1,4.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2023,rural,female,54,45-54,fourth,secondary,employed_informal,12.5,5.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2025,urban,female,68,55+,fourth,none,employed_informal,0.2,0.6,1,current,Zanaco,0,8,0.0,none,0,1,0,moderate_burden
Tanzania,2020,rural,female,23,18-24,lowest,secondary,unemployed,4.8,8.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2021,rural,male,22,18-24,middle,none,unemployed,11.5,9.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2018,rural,male,60,55+,second,primary,unemployed,6.9,4.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2018,urban,male,51,45-54,highest,primary,self_employed,1.1,1.1,1,current,Millennium BIM,2,0,6691.88,none,1,0,0,moderate_burden
Malawi,2022,urban,male,70,55+,middle,primary,unemployed,6.0,0.3,1,savings,FDH Bank,0,13,0.0,none,0,1,1,moderate_burden
Senegal,2019,rural,male,71,55+,lowest,tertiary,employed_informal,6.6,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2022,urban,female,57,55+,middle,primary,student,1.1,0.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2019,urban,female,61,55+,fourth,secondary,unemployed,4.3,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,rural,male,74,55+,middle,tertiary,student,38.2,5.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2018,rural,female,48,45-54,highest,secondary,employed_informal,13.0,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2022,rural,male,33,25-34,lowest,none,student,2.1,2.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2022,urban,female,41,35-44,second,primary,unemployed,0.8,0.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2025,rural,female,38,35-44,second,none,self_employed,17.3,1.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ethiopia,2018,urban,male,29,25-34,highest,secondary,unemployed,2.8,2.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2019,urban,male,36,35-44,second,tertiary,employed_formal,1.0,3.1,1,salary_account,First Bank,2,0,326.0,none,0,0,0,moderate_burden
DRC,2018,urban,male,49,45-54,fourth,tertiary,employed_formal,0.9,1.0,1,savings,BCDC,2,0,288.68,none,1,0,1,moderate_burden
Mozambique,2023,urban,female,50,45-54,second,secondary,unemployed,0.3,3.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2018,rural,male,49,45-54,second,primary,employed_informal,58.3,0.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2019,urban,male,43,35-44,fourth,primary,self_employed,0.4,3.1,1,current,Standard Bank,3,0,496.87,none,0,0,0,moderate_burden
Ethiopia,2020,urban,male,25,18-24,lowest,secondary,unemployed,1.2,0.4,1,savings,Commercial Bank of Ethiopia,1,0,73.68,none,0,1,1,moderate_burden
Nigeria,2018,urban,male,28,25-34,second,none,self_employed,2.3,2.7,1,fixed_deposit,Zenith Bank,2,0,606.67,none,0,1,0,moderate_burden
Rwanda,2020,rural,male,59,55+,highest,secondary,employed_informal,2.2,4.8,1,salary_account,I&M Bank,3,0,2767.27,none,0,1,0,moderate_burden
Mozambique,2025,urban,female,28,25-34,fourth,primary,employed_informal,3.2,1.3,1,savings,Moza Banco,1,0,2732.9,none,0,0,1,moderate_burden
Ethiopia,2022,rural,male,63,55+,middle,none,employed_informal,6.2,31.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2019,urban,male,28,25-34,lowest,none,unemployed,1.4,0.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2024,urban,female,30,25-34,middle,primary,self_employed,1.8,0.1,1,current,Zenith Bank,1,0,2347.0,none,0,1,1,moderate_burden
Zambia,2018,urban,male,33,25-34,lowest,primary,student,0.9,0.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2022,rural,female,71,55+,lowest,none,unemployed,2.7,5.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2024,urban,female,38,35-44,lowest,secondary,self_employed,4.0,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2018,rural,female,58,55+,fourth,secondary,unemployed,16.4,0.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2019,rural,male,23,18-24,middle,none,self_employed,22.4,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2024,rural,male,49,45-54,middle,primary,self_employed,9.1,3.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2023,urban,female,41,35-44,second,primary,self_employed,0.1,2.0,1,savings,Access Bank,1,0,132.49,none,0,1,1,moderate_burden
South Africa,2025,rural,male,41,35-44,fourth,secondary,self_employed,4.0,4.8,1,savings,Absa,0,18,0.0,none,0,0,0,moderate_burden
Ethiopia,2022,rural,male,19,18-24,middle,secondary,employed_informal,1.9,17.0,1,savings,Dashen Bank,0,9,0.0,none,0,0,1,moderate_burden
Ghana,2024,rural,male,19,18-24,second,primary,unemployed,45.4,6.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2020,urban,male,36,35-44,middle,secondary,student,0.6,2.6,1,salary_account,BMCD,1,0,681.24,none,0,1,0,moderate_burden
Ghana,2021,urban,female,71,55+,lowest,secondary,self_employed,1.5,0.5,1,savings,Absa,0,14,0.0,none,0,0,0,moderate_burden
Mali,2018,urban,male,18,18-24,fourth,none,unemployed,5.5,0.7,1,savings,BMCD,2,0,777.0,none,0,1,1,moderate_burden
Tanzania,2023,urban,male,21,18-24,highest,secondary,self_employed,2.6,0.2,1,current,Stanbic,1,0,5101.02,none,0,1,0,moderate_burden
Zambia,2025,urban,female,30,25-34,lowest,tertiary,employed_formal,0.2,0.8,1,savings,Zanaco,0,23,0.0,none,0,1,0,moderate_burden
Niger,2018,rural,female,28,25-34,highest,tertiary,self_employed,8.4,9.7,1,current,BAK,2,0,494.34,none,0,0,0,moderate_burden
Niger,2018,rural,male,55,45-54,lowest,secondary,self_employed,6.6,15.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Kenya,2018,urban,female,52,45-54,middle,primary,unemployed,2.2,2.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2023,urban,female,63,55+,highest,none,student,1.9,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,urban,female,18,18-24,second,primary,self_employed,0.4,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,rural,female,53,45-54,middle,secondary,student,25.1,61.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2025,rural,male,56,55+,fourth,secondary,employed_informal,30.5,10.3,1,current,Dashen Bank,0,18,0.0,none,0,0,0,moderate_burden
Mali,2023,urban,female,68,55+,middle,none,employed_informal,1.6,0.1,1,savings,BDM,4,0,396.79,none,0,0,0,moderate_burden
Niger,2022,urban,male,43,35-44,second,primary,employed_formal,1.8,2.7,1,current,Ecobank,1,0,254.52,none,0,0,0,moderate_burden
Niger,2022,rural,male,45,35-44,lowest,secondary,unemployed,44.1,2.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2021,rural,female,44,35-44,fourth,none,self_employed,4.8,2.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2024,rural,female,70,55+,second,primary,employed_informal,6.7,12.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2019,rural,female,21,18-24,fourth,tertiary,employed_informal,0.0,18.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2018,rural,male,40,35-44,second,primary,employed_informal,4.2,15.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2021,urban,female,52,45-54,second,none,self_employed,6.6,0.3,1,salary_account,Commercial Bank of Ethiopia,2,0,315.7,none,0,0,0,moderate_burden
South Africa,2020,rural,female,68,55+,highest,secondary,employed_informal,4.9,3.8,1,savings,Standard Bank,2,0,200.98,none,0,1,0,moderate_burden
Zambia,2025,rural,male,48,45-54,lowest,tertiary,unemployed,0.1,5.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,urban,male,60,55+,highest,primary,self_employed,1.5,0.2,1,savings,Commercial Bank of Ethiopia,3,0,2033.0,none,0,1,1,moderate_burden
Mozambique,2020,rural,female,54,45-54,middle,tertiary,employed_informal,7.9,2.9,1,current,Moza Banco,1,0,518.34,none,0,1,0,moderate_burden
Rwanda,2020,urban,male,52,45-54,fourth,secondary,unemployed,0.7,1.1,1,savings,Ecobank,0,22,0.0,none,0,0,1,moderate_burden
Ghana,2020,urban,female,62,55+,fourth,primary,unemployed,2.7,1.8,1,savings,Absa,1,0,695.08,none,0,0,0,moderate_burden
Ghana,2025,urban,female,27,25-34,second,primary,employed_informal,8.0,0.5,1,current,Ecobank,1,0,44.54,none,0,1,1,moderate_burden
Ethiopia,2021,rural,female,35,25-34,middle,primary,self_employed,19.5,4.7,1,savings,Commercial Bank of Ethiopia,4,0,435.28,none,0,1,0,moderate_burden
Rwanda,2025,urban,male,61,55+,middle,secondary,employed_formal,1.4,1.3,1,savings,Bank of Kigali,2,0,372.42,none,0,1,0,moderate_burden
Mali,2018,urban,female,40,35-44,second,secondary,student,0.6,1.4,1,savings,Coris Bank,2,0,374.6,none,0,0,0,moderate_burden
Kenya,2021,urban,male,43,35-44,lowest,none,employed_informal,0.6,0.6,1,savings,KCB,2,0,63.2,none,0,1,1,moderate_burden
Mali,2023,urban,female,70,55+,fourth,primary,employed_informal,0.1,3.7,1,savings,BDM,1,0,4164.67,none,0,1,0,moderate_burden
Uganda,2021,urban,male,22,18-24,second,tertiary,employed_formal,0.5,1.2,1,savings,DFCU,4,0,277.02,none,0,0,1,moderate_burden
Mali,2025,rural,male,56,55+,second,primary,employed_formal,18.2,9.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2025,urban,male,61,55+,middle,secondary,employed_formal,1.4,1.2,1,savings,Equity BCDC,1,0,413.28,none,0,0,1,moderate_burden
DRC,2021,rural,male,46,45-54,middle,none,employed_formal,6.3,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2020,rural,male,42,35-44,highest,secondary,employed_informal,4.6,6.6,1,savings,Capitec,1,0,2939.52,none,0,1,0,moderate_burden
South Africa,2020,urban,female,67,55+,second,primary,employed_informal,5.4,0.8,1,savings,Standard Bank,0,17,0.0,none,1,0,0,moderate_burden
Senegal,2020,rural,female,35,25-34,second,primary,unemployed,13.5,14.9,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Zambia,2020,urban,female,67,55+,middle,none,employed_informal,2.5,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2024,rural,male,49,45-54,lowest,none,employed_formal,3.2,5.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2020,rural,male,72,55+,second,secondary,unemployed,7.9,19.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2022,urban,female,67,55+,middle,primary,employed_informal,7.9,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2020,rural,male,38,35-44,lowest,tertiary,employed_informal,6.7,16.6,1,savings,Stanbic,1,0,189.13,none,0,1,0,moderate_burden
Uganda,2018,urban,male,45,35-44,fourth,tertiary,employed_informal,2.1,0.1,1,current,Centenary,0,2,0.0,none,0,1,1,moderate_burden
Ethiopia,2020,urban,female,42,35-44,second,primary,employed_informal,4.8,2.8,1,savings,Awash Bank,1,0,109.02,none,0,1,0,moderate_burden
Kenya,2021,rural,male,68,55+,lowest,secondary,unemployed,115.2,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2025,rural,male,46,45-54,highest,secondary,employed_informal,2.7,6.4,1,current,UBA,0,14,0.0,none,0,1,1,moderate_burden
Mozambique,2018,urban,male,70,55+,lowest,none,unemployed,3.9,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2023,rural,male,26,25-34,middle,secondary,employed_formal,2.7,3.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Tanzania,2022,rural,male,27,25-34,second,none,unemployed,4.8,6.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2024,rural,female,42,35-44,lowest,secondary,employed_formal,9.0,18.3,1,current,BAK,1,0,154.42,none,0,0,0,moderate_burden
Niger,2018,urban,male,59,55+,middle,primary,student,0.7,3.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2019,rural,female,23,18-24,second,secondary,student,4.3,0.7,1,savings,Stanbic,1,0,405.19,none,0,1,1,moderate_burden
DRC,2021,urban,female,59,55+,fourth,primary,self_employed,3.9,1.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2025,urban,female,66,55+,second,tertiary,unemployed,1.7,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2018,urban,female,73,55+,middle,secondary,self_employed,4.4,1.2,1,salary_account,Bank of Kigali,1,0,513.8,none,1,0,1,moderate_burden
Mali,2024,urban,female,66,55+,lowest,none,student,0.5,3.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2018,rural,male,50,45-54,second,primary,employed_formal,5.4,3.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2024,rural,male,40,35-44,lowest,none,employed_informal,16.2,3.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,rural,female,45,35-44,middle,secondary,unemployed,2.1,9.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2019,urban,female,27,25-34,second,none,self_employed,1.0,3.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2019,rural,female,62,55+,highest,tertiary,employed_informal,21.4,7.2,1,savings,Stanbic,1,0,689.44,none,0,1,0,moderate_burden
Ethiopia,2022,urban,male,28,25-34,second,tertiary,self_employed,6.5,1.4,1,current,Dashen Bank,1,0,623.6,none,0,0,0,moderate_burden
Mali,2019,rural,female,49,45-54,lowest,secondary,employed_informal,20.6,2.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2023,urban,male,64,55+,second,primary,self_employed,1.0,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2018,urban,female,60,55+,second,primary,employed_informal,8.1,1.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2021,urban,female,53,45-54,fourth,primary,employed_informal,1.7,1.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2024,rural,male,55,45-54,fourth,none,unemployed,24.6,11.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2023,rural,male,66,55+,lowest,primary,employed_informal,18.4,15.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2022,rural,female,34,25-34,middle,secondary,unemployed,2.8,2.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2024,rural,female,40,35-44,middle,primary,unemployed,2.4,0.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2024,rural,female,35,25-34,lowest,tertiary,employed_informal,20.5,23.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2023,rural,female,58,55+,lowest,secondary,unemployed,22.3,13.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2019,urban,male,51,45-54,second,tertiary,employed_formal,4.6,3.5,1,savings,Millennium BIM,0,5,0.0,none,0,0,0,moderate_burden
Senegal,2021,rural,male,23,18-24,highest,primary,employed_informal,5.1,2.4,1,savings,Société Générale,0,10,0.0,none,0,1,0,moderate_burden
Mozambique,2018,rural,female,24,18-24,lowest,secondary,employed_informal,12.3,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2023,urban,female,28,25-34,second,secondary,employed_informal,0.6,1.3,1,savings,National Bank,3,0,181.18,none,0,1,0,moderate_burden
Mozambique,2023,rural,female,71,55+,fourth,secondary,employed_formal,2.4,6.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2023,rural,male,27,25-34,second,tertiary,employed_formal,0.6,13.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2023,urban,male,32,25-34,lowest,none,employed_informal,6.6,0.5,1,savings,Stanbic,3,0,299.34,none,0,0,0,moderate_burden
Rwanda,2022,urban,male,60,55+,highest,tertiary,unemployed,5.3,0.1,1,savings,Ecobank,0,19,0.0,none,1,1,0,moderate_burden
Senegal,2021,urban,female,54,45-54,lowest,primary,employed_formal,14.7,0.2,1,current,Société Générale,2,0,59.84,none,1,1,0,moderate_burden
Zambia,2024,rural,female,65,55+,fourth,primary,self_employed,19.3,6.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2018,urban,female,67,55+,second,secondary,employed_informal,8.3,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2025,urban,male,35,25-34,highest,none,employed_formal,2.7,1.6,1,savings,First National Bank,1,0,445.51,none,1,0,0,moderate_burden
Ethiopia,2024,rural,female,35,25-34,second,primary,employed_formal,5.8,14.5,1,savings,Awash Bank,1,0,401.37,none,0,1,0,moderate_burden
Ghana,2023,urban,female,50,45-54,lowest,primary,self_employed,0.5,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2023,rural,female,27,25-34,lowest,secondary,self_employed,4.2,3.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,rural,male,37,35-44,middle,secondary,employed_formal,5.7,16.3,1,current,Commercial Bank of Ethiopia,2,0,751.33,none,0,0,1,moderate_burden
Kenya,2022,urban,male,61,55+,middle,secondary,self_employed,0.4,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2019,rural,female,58,55+,lowest,primary,employed_formal,5.0,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2020,rural,female,69,55+,fourth,primary,self_employed,54.6,1.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2022,urban,female,68,55+,lowest,primary,self_employed,0.3,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2022,urban,male,19,18-24,middle,primary,self_employed,2.6,1.3,1,current,Capitec,2,0,1069.03,none,1,0,1,moderate_burden
Niger,2019,rural,male,32,25-34,fourth,primary,student,14.5,5.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2022,urban,female,22,18-24,second,secondary,self_employed,0.5,0.5,1,savings,Cooperative Bank,3,0,120.71,none,1,1,0,moderate_burden
Zambia,2024,urban,male,70,55+,second,none,employed_formal,0.6,2.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2024,urban,female,30,25-34,lowest,tertiary,self_employed,10.0,2.0,1,fixed_deposit,Access Bank,0,4,0.0,none,0,0,0,moderate_burden
Rwanda,2018,rural,female,63,55+,highest,secondary,student,6.6,13.4,1,savings,I&M Bank,3,0,2781.84,none,0,0,0,moderate_burden
Mali,2021,urban,female,60,55+,middle,secondary,self_employed,2.6,1.9,1,savings,BDM,1,0,1150.72,none,0,0,0,moderate_burden
Malawi,2022,urban,male,50,45-54,lowest,tertiary,unemployed,0.2,1.3,1,salary_account,Standard Bank,0,3,0.0,none,0,0,1,moderate_burden
Tanzania,2023,rural,female,45,35-44,highest,secondary,self_employed,1.7,6.2,1,savings,Absa,2,0,3519.53,none,0,0,0,moderate_burden
Ghana,2019,rural,female,60,55+,second,primary,employed_formal,22.7,9.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2018,urban,male,52,45-54,lowest,primary,employed_informal,4.1,3.9,1,savings,Stanbic,0,22,0.0,none,0,0,0,moderate_burden
Mozambique,2024,rural,female,27,25-34,second,secondary,unemployed,2.4,5.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2024,urban,male,48,45-54,lowest,primary,employed_formal,0.7,1.6,1,current,Equity Bank,1,0,369.63,none,0,1,0,moderate_burden
Rwanda,2022,rural,male,19,18-24,fourth,primary,unemployed,9.7,1.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2019,rural,female,49,45-54,lowest,tertiary,self_employed,10.2,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2023,rural,male,26,25-34,highest,secondary,self_employed,22.9,0.6,1,current,Zenith Bank,4,0,2178.78,none,0,1,1,moderate_burden
Nigeria,2024,rural,male,46,45-54,fourth,primary,self_employed,4.4,8.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2025,rural,male,31,25-34,middle,primary,employed_informal,5.3,0.1,1,savings,Dashen Bank,4,0,413.6,none,1,0,0,moderate_burden
Senegal,2022,rural,female,71,55+,second,primary,employed_formal,18.5,4.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2018,rural,female,23,18-24,middle,none,self_employed,18.2,11.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2025,rural,male,56,55+,second,none,unemployed,5.5,3.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2018,rural,female,49,45-54,highest,none,self_employed,46.5,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2024,rural,male,19,18-24,middle,primary,employed_informal,1.9,5.7,1,salary_account,Standard Bank,0,9,0.0,none,0,1,0,moderate_burden
South Africa,2021,rural,male,24,18-24,fourth,tertiary,employed_informal,5.4,6.0,1,savings,Capitec,2,0,875.31,none,0,0,0,moderate_burden
Niger,2025,rural,female,61,55+,fourth,secondary,student,3.6,7.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2018,urban,female,58,55+,second,none,employed_informal,5.8,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2022,rural,male,41,35-44,lowest,tertiary,employed_informal,0.1,8.0,1,fixed_deposit,UBA,2,0,264.13,none,0,1,1,moderate_burden
Ghana,2020,rural,female,43,35-44,second,secondary,unemployed,25.7,18.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2023,rural,female,66,55+,second,primary,self_employed,54.5,9.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2019,rural,female,66,55+,fourth,primary,student,5.1,2.3,1,current,Absa,2,0,625.41,none,0,0,0,moderate_burden
Malawi,2020,urban,male,35,25-34,lowest,primary,self_employed,3.5,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2019,rural,male,41,35-44,fourth,none,self_employed,1.8,9.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2022,rural,male,47,45-54,lowest,secondary,employed_informal,4.7,5.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2021,urban,male,65,55+,lowest,secondary,employed_informal,2.4,2.0,1,current,Ecobank,1,0,204.13,none,0,1,1,moderate_burden
Kenya,2020,urban,male,60,55+,lowest,primary,unemployed,0.4,0.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Uganda,2025,urban,male,69,55+,middle,secondary,employed_formal,0.5,3.4,1,savings,Equity Bank,2,0,87.78,none,0,1,1,moderate_burden
Ethiopia,2024,urban,male,49,45-54,middle,primary,unemployed,5.5,0.3,1,fixed_deposit,Commercial Bank of Ethiopia,2,0,1158.81,none,0,1,1,moderate_burden
Mozambique,2024,urban,female,45,35-44,second,primary,unemployed,2.9,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2024,urban,female,32,25-34,middle,secondary,employed_formal,3.1,2.9,1,salary_account,GTBank,2,0,1139.07,none,0,0,0,moderate_burden
Kenya,2025,urban,female,33,25-34,second,secondary,employed_informal,2.8,0.1,1,current,NCBA,3,0,911.99,none,0,0,0,moderate_burden
Kenya,2021,urban,female,46,45-54,second,primary,self_employed,1.1,0.4,1,savings,Cooperative Bank,0,1,0.0,none,0,1,0,moderate_burden
Malawi,2020,urban,male,55,45-54,middle,primary,employed_informal,8.1,6.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2018,rural,female,43,35-44,highest,none,self_employed,15.0,5.9,1,current,Standard Bank,0,5,0.0,none,1,0,0,moderate_burden
Kenya,2025,rural,female,19,18-24,lowest,primary,employed_formal,20.6,5.9,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2019,urban,male,29,25-34,second,primary,unemployed,1.9,0.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2021,rural,male,53,45-54,middle,none,self_employed,0.1,1.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2025,rural,female,53,45-54,highest,secondary,unemployed,1.3,1.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2021,urban,male,71,55+,middle,secondary,employed_informal,11.0,0.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2025,rural,male,38,35-44,second,primary,employed_informal,26.3,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2018,rural,female,31,25-34,lowest,secondary,employed_formal,11.0,11.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2024,urban,male,27,25-34,highest,none,self_employed,0.2,0.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2018,rural,male,32,25-34,lowest,none,self_employed,22.0,8.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2024,rural,male,73,55+,fourth,primary,self_employed,4.2,18.4,1,savings,NBC,0,2,0.0,none,0,1,0,moderate_burden
Mozambique,2025,urban,male,60,55+,highest,secondary,employed_informal,0.3,0.6,1,savings,Moza Banco,1,0,442.81,none,0,1,0,moderate_burden
Malawi,2025,rural,female,37,35-44,lowest,secondary,unemployed,71.6,1.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,urban,female,71,55+,fourth,primary,employed_informal,0.1,0.4,1,savings,Awash Bank,2,0,301.36,none,0,1,1,moderate_burden
Mali,2022,urban,female,31,25-34,lowest,secondary,unemployed,4.2,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2021,rural,male,45,35-44,lowest,primary,self_employed,22.8,5.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2024,rural,male,50,45-54,middle,secondary,employed_informal,53.5,12.8,1,current,BCI,4,0,612.04,none,1,1,0,moderate_burden
Mali,2018,urban,female,30,25-34,fourth,none,unemployed,0.2,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2019,urban,male,26,25-34,lowest,tertiary,employed_informal,0.4,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2020,rural,female,56,55+,lowest,secondary,unemployed,1.5,5.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,urban,male,57,55+,fourth,tertiary,self_employed,1.3,0.9,1,fixed_deposit,BAK,1,0,297.74,none,0,1,1,moderate_burden
Zambia,2020,urban,female,35,25-34,second,primary,self_employed,0.8,1.1,1,savings,Stanbic,3,0,457.38,none,0,1,1,moderate_burden
Nigeria,2018,urban,female,40,35-44,middle,primary,self_employed,10.2,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2025,rural,male,30,25-34,lowest,secondary,unemployed,8.1,18.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2019,rural,female,18,18-24,lowest,primary,unemployed,18.1,5.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2023,rural,male,54,45-54,lowest,none,unemployed,4.5,9.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ethiopia,2019,urban,female,49,45-54,lowest,none,employed_formal,4.5,3.8,1,savings,Commercial Bank of Ethiopia,2,0,139.76,none,0,0,0,moderate_burden
Nigeria,2019,urban,female,54,45-54,lowest,primary,employed_informal,2.0,0.4,1,savings,UBA,2,0,85.97,none,1,0,0,moderate_burden
Zambia,2019,rural,female,69,55+,second,secondary,unemployed,16.3,15.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2024,urban,male,70,55+,highest,secondary,unemployed,4.6,3.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2025,urban,female,66,55+,middle,tertiary,self_employed,1.3,0.1,1,savings,Absa,0,23,0.0,none,0,1,0,moderate_burden
Ethiopia,2025,rural,female,19,18-24,middle,primary,self_employed,11.0,4.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2018,urban,male,24,18-24,second,secondary,self_employed,4.1,6.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2025,urban,male,49,45-54,lowest,primary,employed_formal,2.6,0.7,1,savings,Stanbic,0,6,0.0,none,0,0,0,moderate_burden
Ghana,2023,urban,male,70,55+,lowest,tertiary,employed_informal,2.6,0.6,1,current,Stanbic,1,0,197.03,none,0,1,0,moderate_burden
Nigeria,2022,rural,female,38,35-44,second,tertiary,employed_informal,3.7,6.8,1,savings,Access Bank,1,0,112.92,none,1,1,0,moderate_burden
Ghana,2021,rural,male,26,25-34,fourth,primary,self_employed,8.6,6.8,1,savings,Stanbic,2,0,578.96,none,0,1,0,moderate_burden
DRC,2022,urban,female,67,55+,fourth,secondary,employed_informal,0.1,0.9,1,savings,Rawbank,0,23,0.0,none,0,1,0,moderate_burden
Niger,2024,rural,female,20,18-24,highest,none,unemployed,22.4,13.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2019,urban,female,50,45-54,middle,primary,employed_informal,2.7,4.8,1,salary_account,Ecobank,1,0,462.09,none,1,0,1,moderate_burden
Uganda,2022,rural,female,33,25-34,second,primary,unemployed,0.7,12.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2020,urban,female,46,45-54,middle,primary,employed_formal,1.1,0.9,1,savings,CBAO,1,0,801.87,none,0,0,1,moderate_burden
Tanzania,2022,urban,female,19,18-24,second,primary,employed_informal,10.7,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2025,urban,female,59,55+,highest,secondary,unemployed,0.4,1.7,1,current,Orabank,1,0,2018.83,none,0,0,0,moderate_burden
Ethiopia,2024,urban,female,56,55+,highest,secondary,employed_formal,1.1,4.2,1,current,Awash Bank,1,0,3818.94,none,0,0,0,moderate_burden
Malawi,2020,rural,female,19,18-24,fourth,primary,self_employed,16.5,19.8,1,current,NBS Bank,0,9,0.0,none,0,0,0,moderate_burden
Nigeria,2022,rural,male,62,55+,highest,secondary,student,10.8,3.4,1,fixed_deposit,UBA,0,1,0.0,none,0,0,1,moderate_burden
Zambia,2025,urban,male,41,35-44,second,none,employed_informal,1.6,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2024,urban,male,36,35-44,lowest,tertiary,employed_informal,7.2,0.0,1,savings,Access Bank,2,0,190.86,none,0,1,1,moderate_burden
Ghana,2025,rural,female,20,18-24,lowest,primary,self_employed,54.8,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2025,urban,female,25,18-24,fourth,primary,student,1.3,0.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Malawi,2024,rural,female,45,35-44,middle,primary,unemployed,16.6,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2023,rural,male,39,35-44,middle,secondary,unemployed,24.0,4.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2022,rural,female,41,35-44,highest,tertiary,unemployed,8.4,7.5,1,savings,Standard Bank,2,0,7508.05,none,0,0,0,moderate_burden
Kenya,2025,rural,female,74,55+,middle,secondary,self_employed,0.8,1.7,1,fixed_deposit,NCBA,0,10,0.0,none,0,1,1,moderate_burden
Tanzania,2022,rural,female,23,18-24,lowest,tertiary,self_employed,2.9,5.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2020,rural,female,65,55+,middle,tertiary,employed_informal,0.2,1.5,1,savings,Absa,1,0,1057.22,none,0,0,1,moderate_burden
Nigeria,2018,urban,female,31,25-34,middle,secondary,student,1.4,0.0,1,savings,GTBank,1,0,1344.98,none,0,1,1,moderate_burden
Senegal,2023,urban,female,43,35-44,second,primary,unemployed,2.8,0.1,1,current,Société Générale,1,0,498.42,none,0,1,1,moderate_burden
South Africa,2025,rural,female,35,25-34,middle,none,employed_formal,9.7,11.0,1,current,Capitec,1,0,1216.32,none,0,0,0,moderate_burden
Mozambique,2023,urban,female,73,55+,fourth,primary,unemployed,0.2,1.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2025,rural,male,19,18-24,middle,tertiary,employed_informal,19.9,1.6,1,savings,Ecobank,3,0,848.46,none,0,1,0,moderate_burden
Senegal,2018,urban,male,32,25-34,lowest,primary,employed_formal,9.3,0.9,1,savings,BHS,1,0,330.04,none,0,0,0,moderate_burden
Niger,2020,rural,male,50,45-54,second,secondary,self_employed,3.5,4.5,1,current,BAK,4,0,459.5,none,0,0,0,moderate_burden
South Africa,2024,rural,female,36,35-44,lowest,tertiary,unemployed,0.8,4.6,1,current,Capitec,0,2,0.0,none,0,1,0,moderate_burden
Nigeria,2022,rural,female,28,25-34,highest,secondary,employed_informal,5.3,21.1,1,savings,GTBank,3,0,1390.11,none,1,1,1,moderate_burden
Kenya,2019,rural,female,65,55+,second,secondary,employed_informal,31.7,0.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2025,rural,male,45,35-44,fourth,tertiary,self_employed,50.6,0.2,1,current,UBA,0,15,0.0,none,0,1,0,moderate_burden
Zambia,2023,rural,female,19,18-24,second,tertiary,self_employed,11.8,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,urban,male,67,55+,highest,secondary,employed_informal,5.2,0.6,1,salary_account,Commercial Bank of Ethiopia,0,14,0.0,none,0,1,1,moderate_burden
Ethiopia,2024,urban,male,70,55+,middle,primary,unemployed,1.1,5.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2020,rural,female,50,45-54,second,primary,student,20.8,11.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2024,urban,female,36,35-44,highest,primary,employed_informal,3.1,1.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2021,rural,female,20,18-24,second,tertiary,self_employed,18.7,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2023,rural,male,26,25-34,fourth,secondary,unemployed,19.0,5.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2020,urban,female,70,55+,second,secondary,self_employed,3.3,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2020,rural,female,60,55+,fourth,secondary,employed_informal,18.1,18.6,1,savings,Stanbic,1,0,2045.03,none,0,1,0,moderate_burden
Ghana,2019,rural,female,48,45-54,lowest,none,student,0.5,1.5,1,current,Stanbic,0,22,0.0,none,0,0,0,moderate_burden
Ethiopia,2024,rural,female,66,55+,second,primary,employed_informal,17.5,24.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2020,rural,female,74,55+,middle,primary,employed_informal,2.2,17.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2020,urban,female,39,35-44,fourth,secondary,employed_informal,6.5,1.1,1,savings,Ecobank,0,4,0.0,none,0,1,0,moderate_burden
Ghana,2025,rural,male,18,18-24,highest,primary,employed_informal,0.2,1.3,1,savings,Absa,0,22,0.0,none,0,0,1,moderate_burden
Uganda,2018,rural,male,52,45-54,second,none,employed_informal,3.0,16.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2024,rural,male,63,55+,fourth,primary,unemployed,11.2,12.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2025,rural,female,51,45-54,fourth,tertiary,student,22.0,6.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2025,urban,male,59,55+,fourth,none,self_employed,1.9,0.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2021,rural,female,58,55+,middle,secondary,self_employed,12.4,0.9,1,current,BCI,2,0,268.87,none,0,1,1,moderate_burden
Mozambique,2023,urban,male,70,55+,second,secondary,employed_formal,0.8,1.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Niger,2020,urban,female,20,18-24,highest,primary,self_employed,4.4,1.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Kenya,2019,urban,female,52,45-54,lowest,none,student,3.9,2.6,1,current,NCBA,2,0,162.7,none,0,0,1,moderate_burden
Ghana,2018,urban,male,38,35-44,middle,secondary,self_employed,3.1,0.1,1,savings,Fidelity,4,0,4025.55,none,0,1,1,moderate_burden
Mali,2023,rural,female,49,45-54,fourth,none,self_employed,15.2,10.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2018,rural,male,67,55+,highest,primary,employed_informal,4.5,11.6,1,savings,BHS,1,0,680.97,none,0,1,0,moderate_burden
DRC,2020,rural,female,47,45-54,lowest,primary,employed_formal,20.3,2.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2020,urban,female,33,25-34,middle,primary,self_employed,0.7,0.6,1,savings,Stanbic,4,0,1150.24,none,1,1,1,moderate_burden
South Africa,2021,rural,female,48,45-54,lowest,none,employed_informal,4.3,3.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,rural,male,43,35-44,middle,primary,employed_informal,2.4,0.5,1,fixed_deposit,Dashen Bank,0,20,0.0,none,1,0,0,moderate_burden
Mali,2022,rural,male,64,55+,fourth,none,employed_informal,9.4,12.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2024,rural,female,62,55+,highest,secondary,unemployed,19.6,3.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2018,rural,female,72,55+,lowest,primary,employed_informal,18.7,4.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2022,urban,male,41,35-44,second,primary,self_employed,0.2,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2024,urban,female,60,55+,fourth,primary,employed_formal,0.8,1.5,1,savings,Standard Bank,1,0,1448.04,none,0,0,1,moderate_burden
Senegal,2018,urban,male,60,55+,middle,secondary,employed_formal,7.4,3.5,1,savings,Ecobank,4,0,529.17,none,0,0,1,moderate_burden
Kenya,2020,urban,female,67,55+,fourth,secondary,unemployed,0.7,0.7,1,salary_account,KCB,1,0,1013.19,none,0,1,0,moderate_burden
Nigeria,2022,rural,male,20,18-24,fourth,tertiary,employed_informal,11.3,17.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2024,rural,male,35,25-34,second,none,employed_formal,39.1,6.5,1,salary_account,Standard Bank,4,0,500.92,none,0,0,0,moderate_burden
Mozambique,2020,rural,male,56,55+,fourth,tertiary,employed_formal,35.1,14.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2020,rural,female,66,55+,fourth,secondary,student,4.2,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2020,rural,female,51,45-54,highest,tertiary,employed_informal,22.5,4.8,1,fixed_deposit,Equity BCDC,4,0,2675.18,none,0,0,0,moderate_burden
Kenya,2023,urban,male,45,35-44,middle,secondary,unemployed,2.7,2.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Nigeria,2023,rural,male,38,35-44,middle,primary,unemployed,16.2,0.2,1,salary_account,Zenith Bank,3,0,1465.58,none,1,1,1,moderate_burden
Kenya,2024,rural,male,56,55+,highest,primary,unemployed,1.0,2.6,1,fixed_deposit,KCB,1,0,3429.57,none,0,0,0,moderate_burden
Ghana,2019,urban,female,61,55+,second,secondary,self_employed,7.3,0.5,1,current,Stanbic,1,0,180.43,none,1,0,0,moderate_burden
DRC,2018,rural,male,67,55+,fourth,none,self_employed,22.0,8.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2019,rural,female,33,25-34,lowest,primary,employed_informal,4.1,3.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2021,rural,male,22,18-24,second,tertiary,employed_informal,1.7,15.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2021,urban,female,45,35-44,lowest,secondary,unemployed,2.1,1.2,1,current,DFCU,0,12,0.0,none,1,0,0,moderate_burden
DRC,2021,urban,female,28,25-34,middle,primary,unemployed,1.3,0.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2021,urban,male,67,55+,fourth,secondary,student,2.5,1.6,1,current,Rawbank,2,0,3053.12,none,1,0,0,moderate_burden
South Africa,2024,rural,female,57,55+,lowest,tertiary,unemployed,14.4,31.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2025,rural,male,29,25-34,lowest,tertiary,self_employed,4.1,7.3,1,savings,Millennium BIM,0,3,0.0,none,1,0,0,moderate_burden
Ghana,2025,rural,female,23,18-24,middle,none,unemployed,0.3,0.4,1,savings,Stanbic,2,0,348.77,none,0,1,0,moderate_burden
Senegal,2019,rural,male,73,55+,highest,none,employed_formal,17.4,4.7,1,current,Ecobank,1,0,1067.12,none,1,1,1,moderate_burden
Tanzania,2018,rural,male,20,18-24,second,secondary,student,10.3,25.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2019,urban,female,39,35-44,middle,none,employed_formal,5.7,0.6,1,savings,Absa,0,23,0.0,none,0,1,1,moderate_burden
Mozambique,2021,urban,male,41,35-44,fourth,none,employed_informal,1.7,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2021,rural,female,41,35-44,fourth,primary,employed_informal,4.8,2.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2020,urban,male,52,45-54,fourth,tertiary,employed_formal,15.9,9.6,1,savings,GCB,2,0,491.79,none,0,0,0,moderate_burden
Rwanda,2019,urban,female,41,35-44,second,primary,self_employed,3.6,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2021,rural,male,30,25-34,fourth,primary,unemployed,4.1,3.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ghana,2024,urban,male,70,55+,second,tertiary,employed_informal,0.4,3.8,1,savings,Absa,1,0,601.51,none,0,0,0,moderate_burden
Senegal,2020,rural,female,59,55+,second,primary,employed_informal,4.8,0.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2020,urban,female,56,55+,lowest,primary,self_employed,4.2,0.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2022,rural,male,62,55+,highest,primary,unemployed,1.8,11.0,1,current,FNB,1,0,5936.18,none,0,1,0,moderate_burden
DRC,2024,urban,male,59,55+,highest,none,unemployed,0.9,1.4,1,current,BCDC,1,0,6392.41,none,0,1,0,moderate_burden
Mozambique,2023,urban,female,62,55+,highest,tertiary,unemployed,3.3,0.5,1,current,BCI,1,0,6349.43,none,0,1,1,moderate_burden
Kenya,2018,rural,male,64,55+,highest,primary,employed_informal,10.7,7.2,1,savings,Cooperative Bank,1,0,1659.58,none,0,0,0,moderate_burden
Mozambique,2023,urban,female,49,45-54,middle,secondary,employed_informal,0.5,0.8,1,savings,BCI,0,21,0.0,none,1,0,1,moderate_burden
DRC,2020,urban,male,29,25-34,fourth,secondary,self_employed,3.4,0.3,1,salary_account,FBNBank,0,20,0.0,none,0,1,0,moderate_burden
Niger,2018,urban,male,18,18-24,middle,secondary,unemployed,8.6,1.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2022,urban,female,23,18-24,fourth,none,employed_informal,2.7,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2025,rural,male,56,55+,fourth,secondary,unemployed,3.4,12.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2025,rural,female,37,35-44,middle,primary,employed_informal,4.8,7.3,1,current,Zanaco,2,0,163.24,none,0,0,0,moderate_burden
Mali,2021,rural,male,29,25-34,second,secondary,self_employed,12.2,26.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2025,urban,female,50,45-54,middle,primary,unemployed,11.4,1.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2020,rural,male,47,45-54,lowest,primary,employed_formal,21.4,8.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2024,rural,male,46,45-54,lowest,none,student,10.4,13.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2022,urban,male,48,45-54,fourth,primary,employed_informal,1.8,0.2,1,fixed_deposit,BHS,4,0,935.5,none,0,1,0,moderate_burden
Mali,2023,rural,female,34,25-34,highest,none,employed_formal,1.5,3.9,1,salary_account,Ecobank,0,10,0.0,none,0,0,0,moderate_burden
Kenya,2021,urban,female,57,55+,middle,primary,employed_informal,1.1,2.9,1,savings,NCBA,0,18,0.0,none,0,0,0,moderate_burden
Uganda,2025,rural,male,57,55+,second,tertiary,employed_formal,14.2,8.6,1,savings,DFCU,0,1,0.0,none,0,0,0,moderate_burden
Kenya,2022,rural,male,37,35-44,middle,primary,employed_formal,12.3,15.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2022,rural,female,48,45-54,lowest,tertiary,unemployed,24.8,2.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2021,rural,female,21,18-24,second,primary,employed_informal,3.2,2.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2018,rural,male,22,18-24,fourth,primary,self_employed,14.0,5.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2020,rural,male,18,18-24,lowest,primary,student,16.9,3.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2023,rural,male,57,55+,lowest,secondary,employed_informal,17.3,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2023,rural,female,74,55+,highest,secondary,employed_informal,6.9,1.6,1,savings,Ecobank,1,0,961.36,none,0,1,0,moderate_burden
Rwanda,2022,urban,male,56,55+,lowest,none,employed_formal,0.2,1.8,1,fixed_deposit,Ecobank,1,0,330.69,none,0,0,0,moderate_burden
DRC,2023,rural,male,61,55+,lowest,primary,self_employed,17.8,46.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2020,rural,female,55,45-54,highest,none,unemployed,6.4,8.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2024,urban,male,31,25-34,middle,primary,student,3.6,1.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2022,urban,female,53,45-54,middle,tertiary,self_employed,0.9,3.4,1,current,Coris Bank,0,5,0.0,none,0,1,0,moderate_burden
Uganda,2018,urban,female,33,25-34,second,primary,unemployed,2.0,0.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2018,rural,female,23,18-24,lowest,primary,student,6.5,0.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2023,urban,male,72,55+,fourth,primary,student,8.4,2.6,1,savings,Zanaco,3,0,2327.22,none,0,0,1,moderate_burden
Uganda,2020,urban,male,69,55+,second,none,self_employed,4.9,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2022,rural,female,55,45-54,fourth,primary,employed_informal,11.4,11.1,1,fixed_deposit,Access Bank,4,0,125.15,none,0,0,0,moderate_burden
Mozambique,2019,rural,female,62,55+,middle,none,employed_informal,0.6,5.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2025,rural,male,38,35-44,second,primary,employed_formal,15.4,6.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2024,rural,female,42,35-44,middle,secondary,unemployed,4.0,2.9,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2025,rural,male,25,18-24,second,none,unemployed,4.2,5.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,urban,female,20,18-24,second,tertiary,employed_informal,0.2,0.6,1,fixed_deposit,Cooperative Bank,0,10,0.0,none,0,1,1,moderate_burden
Ethiopia,2025,rural,male,69,55+,middle,primary,employed_informal,13.7,10.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2021,urban,male,70,55+,second,secondary,employed_informal,5.3,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2018,rural,female,25,18-24,lowest,secondary,self_employed,10.5,1.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Rwanda,2021,urban,female,72,55+,middle,tertiary,self_employed,0.2,0.5,1,current,Equity Bank,4,0,113.47,none,0,0,1,moderate_burden
Nigeria,2019,rural,female,73,55+,second,none,employed_informal,1.9,5.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2019,rural,female,72,55+,second,secondary,student,16.6,11.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2021,rural,female,48,45-54,fourth,secondary,student,1.2,6.3,1,savings,Stanbic,1,0,745.83,none,0,1,0,moderate_burden
Rwanda,2024,rural,female,32,25-34,second,secondary,unemployed,3.7,4.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Senegal,2023,urban,male,30,25-34,fourth,secondary,self_employed,2.0,1.0,1,current,CBAO,4,0,1412.73,none,0,1,0,moderate_burden
Kenya,2018,rural,female,26,25-34,lowest,primary,self_employed,0.1,10.9,1,savings,Cooperative Bank,1,0,158.24,none,1,1,1,moderate_burden
Uganda,2025,urban,male,26,25-34,second,secondary,student,0.3,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2021,urban,male,28,25-34,fourth,tertiary,self_employed,4.2,3.9,1,salary_account,FBNBank,1,0,284.2,none,0,0,0,moderate_burden
Uganda,2020,rural,male,70,55+,middle,none,self_employed,12.2,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,rural,female,47,45-54,fourth,none,employed_formal,6.3,4.5,1,savings,Sonibank,1,0,445.06,none,0,0,0,moderate_burden
Tanzania,2021,rural,female,31,25-34,highest,secondary,employed_formal,9.9,10.5,1,savings,NBC,0,19,0.0,none,0,0,0,moderate_burden
Mali,2018,urban,male,37,35-44,lowest,none,unemployed,10.0,1.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2025,urban,female,44,35-44,second,tertiary,employed_formal,0.3,1.0,1,savings,Ecobank,1,0,283.4,none,0,0,1,moderate_burden
DRC,2020,rural,male,54,45-54,second,none,self_employed,7.2,11.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2022,rural,female,20,18-24,fourth,secondary,employed_informal,4.2,0.2,1,current,BHS,2,0,4525.26,none,1,0,0,moderate_burden
Ethiopia,2023,rural,female,59,55+,fourth,secondary,unemployed,4.9,40.5,1,current,Dashen Bank,1,0,472.1,none,0,1,0,moderate_burden
Zambia,2022,urban,male,21,18-24,fourth,secondary,unemployed,2.4,2.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2022,rural,male,41,35-44,lowest,primary,student,4.8,6.8,1,current,First National Bank,2,0,323.41,none,0,1,0,moderate_burden
Malawi,2021,urban,male,48,45-54,lowest,tertiary,employed_formal,0.6,1.3,1,savings,NBS Bank,1,0,180.73,none,1,0,0,moderate_burden
Kenya,2021,rural,male,48,45-54,highest,secondary,employed_informal,53.4,0.6,1,current,Cooperative Bank,3,0,2183.04,none,1,1,0,moderate_burden
Tanzania,2024,rural,female,54,45-54,highest,secondary,employed_informal,7.8,15.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2025,rural,male,57,55+,fourth,secondary,self_employed,3.2,3.3,1,savings,Access Bank,1,0,263.7,none,0,0,0,moderate_burden
South Africa,2019,rural,male,46,45-54,middle,primary,employed_formal,6.3,3.5,1,savings,Absa,1,0,300.27,none,0,1,1,moderate_burden
Rwanda,2018,urban,male,57,55+,fourth,secondary,unemployed,0.8,1.8,1,salary_account,Equity Bank,1,0,532.73,none,0,1,1,moderate_burden
Malawi,2018,rural,female,45,35-44,highest,primary,student,0.7,20.0,1,savings,NBS Bank,2,0,2199.49,none,1,1,0,moderate_burden
Senegal,2020,urban,male,38,35-44,lowest,primary,student,0.8,0.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Rwanda,2021,rural,male,58,55+,second,secondary,unemployed,10.3,8.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2024,rural,male,57,55+,lowest,tertiary,unemployed,12.3,6.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2025,rural,female,55,45-54,lowest,tertiary,employed_formal,46.8,6.2,1,salary_account,KCB,4,0,682.67,none,0,0,0,moderate_burden
Malawi,2020,rural,male,19,18-24,lowest,primary,student,14.3,8.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2023,rural,male,58,55+,middle,secondary,self_employed,13.4,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2024,rural,male,59,55+,middle,secondary,unemployed,36.0,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,rural,female,20,18-24,fourth,secondary,self_employed,1.7,1.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2025,rural,female,36,35-44,highest,primary,employed_formal,12.9,1.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,urban,male,73,55+,middle,tertiary,unemployed,2.8,4.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2023,urban,female,69,55+,highest,secondary,unemployed,5.4,3.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2025,urban,female,27,25-34,lowest,tertiary,employed_informal,0.9,0.3,1,current,First National Bank,2,0,131.08,none,0,0,0,moderate_burden
Rwanda,2025,rural,female,68,55+,middle,secondary,employed_formal,14.4,5.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2025,rural,female,18,18-24,lowest,primary,employed_formal,13.8,9.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2022,rural,female,38,35-44,lowest,secondary,self_employed,23.7,4.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2019,rural,female,44,35-44,second,primary,employed_informal,19.0,11.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2021,rural,female,26,25-34,second,secondary,employed_formal,15.8,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2019,urban,male,56,55+,lowest,primary,student,0.3,0.2,1,savings,CRDB,0,9,0.0,none,1,1,0,moderate_burden
Mali,2021,urban,male,26,25-34,lowest,tertiary,employed_informal,0.0,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2023,rural,male,44,35-44,fourth,secondary,employed_informal,13.3,2.5,1,savings,Equity Bank,3,0,1567.16,none,0,1,0,moderate_burden
DRC,2024,urban,male,28,25-34,middle,none,self_employed,2.4,0.8,1,savings,Equity BCDC,3,0,290.53,none,0,0,0,moderate_burden
Mali,2022,rural,female,57,55+,highest,primary,unemployed,4.3,4.7,1,savings,BDM,0,17,0.0,none,0,0,0,moderate_burden
Mozambique,2023,urban,female,73,55+,second,primary,unemployed,2.2,0.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2025,rural,female,19,18-24,second,secondary,employed_informal,8.3,10.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2022,rural,female,22,18-24,second,none,unemployed,14.9,9.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,rural,female,72,55+,fourth,none,student,12.8,10.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2024,rural,male,58,55+,fourth,secondary,self_employed,24.7,16.1,1,current,National Bank,2,0,531.69,none,0,0,1,moderate_burden
Mali,2019,urban,female,74,55+,middle,secondary,employed_informal,4.4,0.6,1,savings,Coris Bank,0,23,0.0,none,0,1,0,moderate_burden
Rwanda,2019,urban,female,72,55+,lowest,secondary,employed_informal,1.9,2.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2024,rural,female,52,45-54,highest,secondary,self_employed,3.9,11.6,1,current,BDM,3,0,1776.41,none,0,0,1,moderate_burden
Malawi,2024,urban,female,44,35-44,highest,primary,employed_informal,0.2,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2020,urban,female,22,18-24,lowest,secondary,employed_informal,1.8,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2019,rural,female,67,55+,lowest,secondary,employed_formal,19.7,6.7,1,savings,Absa,0,15,0.0,none,0,1,0,moderate_burden
South Africa,2025,rural,female,71,55+,lowest,none,employed_formal,12.5,30.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2022,rural,male,68,55+,fourth,secondary,student,3.3,4.4,1,current,GCB,0,24,0.0,none,0,0,0,moderate_burden
Rwanda,2018,rural,female,65,55+,middle,none,employed_informal,4.1,12.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2019,rural,male,60,55+,middle,primary,employed_formal,9.7,9.6,1,savings,Cooperative Bank,1,0,243.58,none,0,1,0,moderate_burden
Niger,2018,urban,female,32,25-34,highest,none,unemployed,2.1,1.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2024,rural,male,35,25-34,highest,primary,employed_informal,2.0,5.7,1,savings,I&M Bank,1,0,2585.29,none,0,1,0,moderate_burden
Kenya,2025,rural,male,18,18-24,lowest,secondary,employed_formal,16.4,33.4,1,savings,Cooperative Bank,2,0,231.34,none,0,1,0,moderate_burden
South Africa,2018,rural,female,36,35-44,middle,secondary,employed_informal,16.0,6.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2022,rural,male,22,18-24,second,primary,employed_formal,21.4,1.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2022,urban,female,22,18-24,second,none,employed_informal,2.2,0.2,1,savings,Standard Bank,0,5,0.0,none,0,0,0,moderate_burden
Kenya,2022,rural,female,29,25-34,lowest,secondary,employed_formal,2.9,1.1,1,fixed_deposit,KCB,2,0,576.29,none,0,1,1,moderate_burden
Kenya,2025,urban,male,26,25-34,lowest,secondary,self_employed,3.0,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2020,rural,female,42,35-44,lowest,secondary,self_employed,13.8,4.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2025,rural,female,66,55+,lowest,secondary,student,8.5,4.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2020,rural,female,74,55+,fourth,secondary,unemployed,38.2,9.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2019,urban,female,53,45-54,fourth,none,employed_informal,2.3,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,urban,female,26,25-34,highest,secondary,unemployed,0.6,0.3,1,current,NCBA,4,0,5830.93,none,1,1,0,moderate_burden
Senegal,2020,rural,male,63,55+,second,secondary,self_employed,14.1,6.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2020,urban,female,74,55+,fourth,secondary,student,2.1,0.1,1,savings,FNB,0,20,0.0,none,0,0,0,moderate_burden
Ethiopia,2021,rural,female,68,55+,second,none,self_employed,2.2,10.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2022,rural,male,64,55+,highest,secondary,employed_informal,34.7,3.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,rural,male,74,55+,fourth,tertiary,employed_informal,10.6,6.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2025,urban,male,47,45-54,highest,primary,unemployed,1.0,0.1,1,savings,First National Bank,0,8,0.0,none,0,1,1,moderate_burden
Niger,2023,rural,male,22,18-24,middle,tertiary,employed_informal,6.6,8.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2019,rural,male,35,25-34,middle,primary,employed_informal,1.0,4.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2021,rural,female,57,55+,fourth,primary,self_employed,11.8,12.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2018,rural,male,59,55+,fourth,secondary,employed_formal,15.6,0.5,1,current,Stanbic,3,0,356.05,none,1,0,0,moderate_burden
Niger,2023,urban,female,37,35-44,middle,tertiary,student,0.6,0.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2020,urban,female,65,55+,middle,tertiary,unemployed,9.5,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2025,rural,female,32,25-34,fourth,primary,unemployed,31.9,2.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2019,rural,male,72,55+,lowest,none,unemployed,3.8,5.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2022,rural,male,37,35-44,second,none,self_employed,3.0,7.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Rwanda,2019,urban,female,66,55+,second,none,employed_informal,4.8,1.5,1,current,Equity Bank,3,0,302.58,none,0,0,0,moderate_burden
Niger,2020,urban,male,54,45-54,highest,primary,student,9.6,0.1,1,savings,BAK,4,0,1647.29,none,0,1,1,moderate_burden
Nigeria,2021,urban,female,44,35-44,lowest,primary,employed_informal,0.5,0.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2022,urban,female,55,45-54,second,primary,self_employed,1.8,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2021,rural,female,24,18-24,fourth,tertiary,unemployed,33.7,13.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2024,rural,female,39,35-44,lowest,none,self_employed,27.1,13.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2019,rural,male,38,35-44,lowest,none,employed_informal,0.0,10.5,1,savings,Standard Bank,0,19,0.0,none,1,0,0,moderate_burden
Nigeria,2025,rural,male,63,55+,lowest,secondary,employed_formal,1.1,8.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2025,rural,male,21,18-24,highest,tertiary,self_employed,0.1,10.3,1,current,FNB,0,24,0.0,none,0,1,0,moderate_burden
Tanzania,2022,rural,female,31,25-34,lowest,secondary,employed_informal,1.4,3.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2020,rural,female,28,25-34,middle,secondary,student,0.9,3.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2025,rural,male,50,45-54,middle,primary,unemployed,10.1,18.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2024,urban,male,73,55+,second,secondary,employed_informal,3.7,1.1,1,fixed_deposit,BCI,2,0,168.42,none,0,1,1,moderate_burden
Rwanda,2025,rural,male,70,55+,middle,primary,unemployed,17.5,19.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2025,rural,female,43,35-44,highest,primary,employed_formal,15.5,0.2,1,current,Absa,0,8,0.0,none,0,1,0,moderate_burden
Uganda,2018,rural,female,68,55+,lowest,primary,employed_informal,26.0,8.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2023,rural,female,55,45-54,fourth,none,unemployed,7.2,5.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2018,rural,male,45,35-44,lowest,secondary,unemployed,0.8,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2018,urban,male,44,35-44,middle,secondary,employed_informal,11.4,1.9,1,savings,Ecobank,2,0,869.61,none,0,0,1,moderate_burden
Niger,2022,rural,male,19,18-24,fourth,secondary,employed_informal,11.3,1.5,1,savings,Orabank,2,0,1774.31,none,0,0,0,moderate_burden
Ethiopia,2019,rural,female,40,35-44,middle,primary,unemployed,23.7,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2018,rural,female,74,55+,fourth,none,self_employed,1.2,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2021,rural,male,74,55+,lowest,primary,employed_informal,21.6,20.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2023,urban,male,60,55+,middle,none,self_employed,2.0,2.6,1,savings,FBNBank,0,4,0.0,none,0,1,0,moderate_burden
Niger,2024,urban,male,54,45-54,lowest,none,employed_formal,0.9,3.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2020,rural,female,51,45-54,fourth,primary,employed_informal,63.8,2.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2023,urban,female,58,55+,lowest,primary,unemployed,3.2,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2024,rural,male,29,25-34,second,primary,student,20.9,2.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2019,urban,male,73,55+,highest,primary,self_employed,0.1,0.4,1,savings,Stanbic,0,24,0.0,none,0,1,0,moderate_burden
Mali,2025,rural,female,74,55+,fourth,primary,unemployed,12.6,10.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2020,rural,male,65,55+,highest,secondary,employed_informal,65.6,7.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2020,rural,male,49,45-54,second,secondary,self_employed,2.1,1.3,1,salary_account,Awash Bank,0,20,0.0,none,0,0,1,moderate_burden
Ghana,2024,rural,male,34,25-34,fourth,tertiary,unemployed,5.1,5.1,1,current,Ecobank,2,0,138.74,none,0,0,0,moderate_burden
Ghana,2020,rural,female,53,45-54,second,tertiary,employed_informal,44.6,2.7,1,fixed_deposit,Fidelity,3,0,158.79,none,0,1,1,moderate_burden
Niger,2021,rural,female,74,55+,highest,primary,self_employed,7.5,15.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2018,urban,female,28,25-34,second,none,employed_formal,3.0,1.3,1,savings,Awash Bank,0,18,0.0,none,0,1,1,moderate_burden
Nigeria,2020,rural,male,27,25-34,highest,secondary,unemployed,14.8,0.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2024,rural,male,23,18-24,fourth,secondary,employed_informal,6.7,3.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,rural,female,56,55+,highest,primary,student,41.2,9.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2019,rural,male,54,45-54,middle,primary,self_employed,4.0,7.9,1,current,Capitec,2,0,615.69,none,1,0,0,moderate_burden
Zambia,2019,rural,male,33,25-34,lowest,secondary,employed_informal,32.0,9.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2019,urban,female,73,55+,fourth,secondary,employed_informal,1.0,0.1,1,current,Ecobank,1,0,2027.62,none,0,0,0,moderate_burden
Mozambique,2018,urban,female,28,25-34,highest,secondary,student,1.6,1.8,1,salary_account,Moza Banco,2,0,1263.39,none,0,1,1,moderate_burden
DRC,2024,rural,female,26,25-34,middle,none,unemployed,32.1,23.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2023,urban,male,32,25-34,second,secondary,self_employed,2.8,0.1,1,savings,Ecobank,1,0,294.72,none,0,0,1,moderate_burden
Uganda,2018,rural,male,52,45-54,lowest,tertiary,self_employed,9.3,3.5,1,current,Centenary,2,0,69.7,none,0,0,0,moderate_burden
Nigeria,2022,rural,female,62,55+,highest,none,self_employed,13.5,6.8,1,savings,GTBank,2,0,1854.14,none,0,1,1,moderate_burden
South Africa,2025,urban,female,30,25-34,lowest,secondary,employed_informal,3.0,3.0,1,fixed_deposit,Standard Bank,2,0,165.14,none,0,1,0,moderate_burden
Kenya,2025,urban,female,50,45-54,middle,none,unemployed,3.3,0.5,1,current,NCBA,1,0,1195.65,none,0,1,0,moderate_burden
Nigeria,2021,urban,female,41,35-44,second,secondary,unemployed,0.1,1.7,1,savings,GTBank,1,0,101.75,none,0,0,1,moderate_burden
Zambia,2022,rural,male,26,25-34,second,none,unemployed,2.9,2.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2018,rural,male,65,55+,lowest,primary,self_employed,0.8,0.1,1,savings,Zenith Bank,2,0,292.03,none,1,0,0,moderate_burden
Malawi,2025,urban,female,55,45-54,lowest,secondary,self_employed,3.1,5.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2018,rural,male,56,55+,lowest,none,employed_informal,23.0,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2019,rural,female,68,55+,fourth,tertiary,employed_formal,15.6,22.2,1,savings,GCB,1,0,1100.97,none,0,1,0,moderate_burden
Zambia,2022,rural,male,45,35-44,lowest,secondary,employed_informal,0.2,20.0,1,current,Zanaco,1,0,21.34,none,0,0,0,moderate_burden
Nigeria,2018,rural,male,60,55+,second,secondary,employed_informal,58.4,2.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2023,urban,male,31,25-34,lowest,tertiary,unemployed,0.2,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2025,urban,male,70,55+,fourth,primary,employed_informal,3.2,0.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2025,rural,male,42,35-44,fourth,secondary,student,4.0,3.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2018,urban,female,34,25-34,middle,primary,employed_informal,1.3,0.8,1,savings,Rawbank,1,0,638.37,none,0,0,1,moderate_burden
Senegal,2018,rural,female,33,25-34,highest,none,employed_formal,0.1,7.4,1,current,Société Générale,1,0,301.77,none,0,1,0,moderate_burden
Mozambique,2021,rural,male,21,18-24,middle,primary,employed_informal,4.4,12.3,1,salary_account,Millennium BIM,2,0,453.32,none,0,0,0,moderate_burden
Ethiopia,2021,rural,female,21,18-24,highest,primary,self_employed,2.2,5.8,1,salary_account,Dashen Bank,1,0,1905.4,none,1,0,0,moderate_burden
Tanzania,2019,rural,male,29,25-34,second,secondary,unemployed,5.8,14.6,1,savings,NBC,1,0,1152.04,none,0,0,0,moderate_burden
Mozambique,2025,urban,female,49,45-54,highest,primary,employed_informal,2.5,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,rural,male,62,55+,highest,primary,employed_informal,4.4,9.7,1,current,NCBA,3,0,1152.83,none,0,1,0,moderate_burden
Mali,2023,rural,female,59,55+,second,secondary,unemployed,12.2,4.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2023,urban,male,33,25-34,highest,primary,unemployed,7.5,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2018,urban,female,18,18-24,middle,primary,employed_informal,2.5,1.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2022,rural,male,32,25-34,second,secondary,student,10.4,12.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2023,rural,male,35,25-34,highest,secondary,employed_formal,4.9,3.6,1,current,Access Bank,1,0,1815.74,none,0,0,1,moderate_burden
Mali,2018,rural,male,34,25-34,second,secondary,employed_informal,12.0,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2021,urban,female,61,55+,second,tertiary,self_employed,1.9,2.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2023,urban,female,20,18-24,lowest,primary,employed_informal,0.8,4.6,1,savings,Awash Bank,1,0,409.78,none,1,0,0,moderate_burden
Malawi,2024,rural,female,18,18-24,second,secondary,employed_informal,3.7,1.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2024,urban,male,32,25-34,second,primary,employed_informal,2.1,1.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2021,rural,male,60,55+,fourth,secondary,employed_formal,20.4,4.5,1,savings,Ecobank,4,0,1969.7,none,0,0,0,moderate_burden
South Africa,2024,rural,male,37,35-44,lowest,none,unemployed,17.4,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2018,urban,female,50,45-54,middle,primary,employed_informal,3.5,1.5,1,salary_account,Zenith Bank,2,0,449.85,none,0,0,0,moderate_burden
Senegal,2021,rural,female,44,35-44,middle,secondary,student,1.8,2.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Kenya,2020,urban,male,46,45-54,lowest,secondary,employed_formal,0.4,0.7,1,savings,Stanbic,0,18,0.0,none,0,0,1,moderate_burden
Malawi,2025,urban,male,31,25-34,fourth,none,employed_formal,2.7,0.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2022,rural,male,52,45-54,fourth,tertiary,unemployed,1.1,5.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2021,urban,male,37,35-44,lowest,none,unemployed,4.5,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2020,rural,male,46,45-54,lowest,none,self_employed,23.2,0.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2024,urban,female,72,55+,lowest,primary,employed_informal,3.1,0.0,1,fixed_deposit,Capitec,0,10,0.0,none,1,1,0,moderate_burden
Malawi,2019,rural,female,30,25-34,highest,primary,unemployed,0.5,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2020,rural,male,42,35-44,lowest,secondary,self_employed,37.7,17.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2019,urban,male,23,18-24,fourth,primary,employed_formal,4.7,1.3,1,savings,Millennium BIM,2,0,846.11,none,0,1,0,moderate_burden
DRC,2024,urban,male,32,25-34,lowest,secondary,unemployed,0.7,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2020,rural,female,53,45-54,lowest,secondary,student,11.9,7.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Senegal,2019,urban,male,43,35-44,lowest,none,employed_informal,1.0,1.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2021,urban,male,36,35-44,fourth,primary,employed_informal,5.7,1.8,1,savings,BAK,2,0,6852.32,none,1,0,0,moderate_burden
Ghana,2018,rural,male,32,25-34,lowest,none,unemployed,2.4,17.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2020,urban,male,74,55+,second,primary,employed_informal,2.2,1.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2018,urban,male,55,45-54,second,primary,self_employed,1.9,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2019,urban,female,48,45-54,fourth,tertiary,employed_formal,4.8,2.9,1,current,BMCD,0,17,0.0,none,0,0,0,moderate_burden
Mozambique,2020,urban,female,19,18-24,second,secondary,employed_formal,1.3,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2024,rural,male,20,18-24,second,secondary,student,16.2,31.0,1,savings,Fidelity,0,9,0.0,none,0,0,0,moderate_burden
Uganda,2020,rural,female,60,55+,lowest,primary,employed_informal,7.9,35.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2025,rural,male,48,45-54,second,primary,self_employed,2.1,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2021,rural,female,47,45-54,second,primary,self_employed,66.7,0.7,1,savings,First National Bank,2,0,445.81,none,0,0,0,moderate_burden
Kenya,2020,rural,female,22,18-24,second,secondary,employed_informal,1.2,7.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2024,urban,female,19,18-24,lowest,none,self_employed,6.4,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2021,rural,female,21,18-24,second,secondary,employed_formal,8.8,8.4,1,savings,Awash Bank,1,0,155.75,none,0,0,1,moderate_burden
Ethiopia,2025,urban,male,22,18-24,fourth,tertiary,employed_formal,4.4,3.2,1,savings,Awash Bank,1,0,324.34,none,0,1,0,moderate_burden
Nigeria,2020,rural,male,28,25-34,second,secondary,employed_formal,30.8,6.3,1,current,GTBank,3,0,190.53,none,0,1,0,moderate_burden
Ethiopia,2020,urban,female,23,18-24,second,secondary,unemployed,9.7,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2024,urban,male,23,18-24,highest,none,self_employed,1.9,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2020,rural,male,27,25-34,highest,secondary,employed_informal,0.2,1.3,1,salary_account,Ecobank,0,12,0.0,none,0,0,0,moderate_burden
DRC,2025,urban,female,66,55+,middle,tertiary,employed_informal,5.3,2.6,1,savings,BCDC,1,0,482.2,none,0,1,1,moderate_burden
Mozambique,2019,urban,male,22,18-24,middle,primary,employed_informal,2.6,2.9,1,current,Moza Banco,4,0,3411.35,none,0,1,0,moderate_burden
Zambia,2020,urban,female,51,45-54,lowest,primary,self_employed,8.4,0.9,1,current,Stanbic,2,0,155.75,none,0,0,1,moderate_burden
Rwanda,2024,rural,male,26,25-34,highest,primary,self_employed,60.3,12.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2024,rural,female,40,35-44,fourth,tertiary,student,7.1,2.2,1,fixed_deposit,BHS,0,1,0.0,none,0,1,0,moderate_burden
Tanzania,2024,rural,male,18,18-24,lowest,none,employed_formal,4.2,27.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2019,urban,male,55,45-54,second,none,student,4.4,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2023,rural,male,61,55+,lowest,tertiary,unemployed,5.2,3.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2020,rural,female,56,55+,highest,none,employed_informal,29.5,3.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2018,rural,male,32,25-34,lowest,primary,self_employed,28.1,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2020,urban,female,36,35-44,lowest,none,employed_informal,1.2,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2021,urban,female,62,55+,fourth,none,self_employed,5.5,1.7,1,savings,Cooperative Bank,0,15,0.0,none,0,0,0,moderate_burden
Mozambique,2018,urban,male,34,25-34,middle,secondary,employed_informal,2.0,0.1,1,savings,BCI,1,0,726.89,none,0,0,0,moderate_burden
DRC,2023,rural,female,51,45-54,lowest,primary,self_employed,17.4,8.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2020,rural,male,39,35-44,second,primary,employed_informal,21.2,9.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2019,urban,female,53,45-54,fourth,none,student,1.8,0.9,1,savings,BCI,0,24,0.0,none,0,1,0,moderate_burden
Tanzania,2022,rural,female,43,35-44,lowest,secondary,unemployed,7.8,10.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,rural,male,56,55+,second,primary,self_employed,3.7,11.3,1,fixed_deposit,Nedbank,4,0,467.44,none,0,0,0,moderate_burden
Niger,2018,rural,female,30,25-34,highest,none,self_employed,12.0,5.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2024,urban,male,39,35-44,lowest,primary,employed_formal,1.8,4.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2020,rural,female,53,45-54,highest,secondary,self_employed,6.6,0.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2020,rural,male,58,55+,lowest,secondary,employed_informal,38.1,2.6,1,fixed_deposit,Ecobank,1,0,50.06,none,0,0,1,moderate_burden
Senegal,2018,rural,female,40,35-44,middle,secondary,employed_informal,0.4,18.0,1,salary_account,Ecobank,3,0,436.71,none,0,0,0,moderate_burden
Mali,2023,urban,male,41,35-44,fourth,tertiary,student,3.1,1.8,1,salary_account,BMCD,1,0,233.96,none,0,0,0,moderate_burden
Malawi,2020,rural,female,31,25-34,lowest,primary,student,44.7,6.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2024,rural,female,28,25-34,middle,none,employed_formal,14.8,4.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2018,urban,female,61,55+,second,primary,unemployed,0.1,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2023,rural,male,21,18-24,highest,secondary,student,9.7,8.3,1,savings,DFCU,1,0,1106.67,none,0,0,0,moderate_burden
Niger,2020,rural,male,29,25-34,fourth,tertiary,employed_formal,16.8,5.4,1,current,BAK,3,0,1590.77,none,0,0,0,moderate_burden
South Africa,2020,rural,male,38,35-44,lowest,secondary,employed_formal,29.5,9.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2018,rural,female,41,35-44,lowest,tertiary,self_employed,3.0,0.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2021,rural,male,23,18-24,lowest,primary,unemployed,8.1,0.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2019,urban,female,20,18-24,fourth,primary,student,17.6,0.1,1,current,Cooperative Bank,2,0,2004.38,none,0,1,0,moderate_burden
Niger,2023,rural,male,69,55+,lowest,primary,employed_formal,0.7,10.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,rural,female,38,35-44,second,primary,unemployed,1.4,4.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2022,rural,male,19,18-24,middle,primary,self_employed,3.9,7.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2020,rural,female,49,45-54,lowest,primary,student,3.6,3.8,1,savings,Zenith Bank,0,22,0.0,none,1,0,0,moderate_burden
DRC,2022,rural,female,51,45-54,middle,secondary,employed_informal,0.5,14.5,1,savings,Equity BCDC,2,0,645.13,none,0,1,1,moderate_burden
Ethiopia,2023,rural,female,47,45-54,second,none,employed_formal,4.5,21.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2023,rural,male,52,45-54,second,secondary,self_employed,13.9,0.3,1,savings,Awash Bank,1,0,844.91,none,0,0,1,moderate_burden
Nigeria,2023,urban,male,73,55+,middle,secondary,employed_informal,0.1,2.1,1,savings,UBA,3,0,1758.11,none,0,0,0,moderate_burden
Ethiopia,2018,rural,male,46,45-54,fourth,primary,self_employed,10.0,0.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2022,rural,female,55,45-54,second,secondary,student,12.7,2.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2024,urban,female,73,55+,highest,secondary,employed_formal,5.0,2.0,1,savings,NCBA,0,4,0.0,none,0,1,0,moderate_burden
Tanzania,2018,urban,male,49,45-54,middle,secondary,unemployed,1.1,1.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2023,urban,female,64,55+,second,none,unemployed,0.2,0.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Tanzania,2019,rural,male,32,25-34,fourth,none,employed_informal,12.2,1.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2020,rural,female,50,45-54,lowest,secondary,self_employed,44.2,8.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2022,rural,male,28,25-34,lowest,secondary,employed_informal,10.5,2.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2022,urban,male,25,18-24,second,primary,employed_informal,0.7,2.1,1,savings,FNB,4,0,539.93,none,0,0,0,moderate_burden
Zambia,2024,rural,female,67,55+,fourth,none,self_employed,2.4,7.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2022,rural,male,31,25-34,second,secondary,unemployed,0.2,6.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2024,urban,female,55,45-54,highest,primary,student,2.0,0.9,1,fixed_deposit,Fidelity,0,18,0.0,none,0,0,0,moderate_burden
Kenya,2020,rural,male,62,55+,lowest,tertiary,employed_informal,2.3,7.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2018,urban,female,61,55+,fourth,secondary,unemployed,5.3,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,rural,male,28,25-34,fourth,secondary,student,144.6,16.4,1,savings,Absa,0,20,0.0,none,1,1,0,moderate_burden
Malawi,2024,urban,female,29,25-34,lowest,secondary,employed_formal,0.2,0.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2018,rural,male,59,55+,middle,primary,self_employed,21.8,4.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2023,urban,female,26,25-34,second,none,unemployed,7.7,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,urban,female,51,45-54,highest,secondary,employed_informal,2.9,0.8,1,fixed_deposit,Stanbic,1,0,971.52,none,0,0,1,moderate_burden
South Africa,2025,urban,male,74,55+,highest,none,employed_informal,5.5,0.3,1,savings,Absa,1,0,2970.89,none,0,1,1,moderate_burden
Rwanda,2020,urban,female,28,25-34,lowest,tertiary,employed_formal,0.2,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2023,urban,male,73,55+,second,none,self_employed,4.2,2.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2023,urban,male,55,45-54,second,none,employed_informal,1.8,8.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2019,urban,male,65,55+,lowest,secondary,employed_informal,0.2,0.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2022,urban,male,24,18-24,second,primary,employed_informal,2.2,1.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2020,rural,female,62,55+,second,primary,employed_formal,0.6,5.0,1,current,Equity BCDC,4,0,139.35,none,0,0,0,moderate_burden
Niger,2023,urban,female,45,35-44,lowest,primary,employed_informal,3.0,0.9,1,salary_account,Orabank,0,7,0.0,none,0,1,1,moderate_burden
Uganda,2024,rural,female,54,45-54,middle,tertiary,unemployed,6.9,10.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2023,rural,female,56,55+,middle,tertiary,self_employed,1.1,4.3,1,savings,Standard Bank,2,0,290.26,none,0,0,0,moderate_burden
Tanzania,2025,urban,female,28,25-34,second,primary,unemployed,14.0,1.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2024,rural,female,36,35-44,fourth,secondary,employed_formal,0.4,2.8,1,fixed_deposit,NBS Bank,1,0,418.45,none,0,1,1,moderate_burden
South Africa,2024,urban,female,52,45-54,fourth,primary,employed_formal,12.5,2.3,1,savings,Standard Bank,1,0,485.14,none,1,0,0,moderate_burden
Zambia,2020,rural,female,70,55+,second,primary,unemployed,8.2,0.8,1,fixed_deposit,Absa,1,0,1156.02,none,0,1,0,moderate_burden
Tanzania,2025,urban,male,64,55+,lowest,primary,unemployed,2.1,0.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2020,urban,male,42,35-44,lowest,tertiary,student,1.4,0.4,1,savings,NBS Bank,2,0,152.66,none,0,0,0,moderate_burden
Tanzania,2021,rural,female,64,55+,fourth,primary,unemployed,4.5,3.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2019,urban,female,21,18-24,fourth,tertiary,unemployed,2.7,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2020,urban,female,64,55+,highest,primary,employed_informal,0.1,0.0,1,current,UBA,1,0,1706.89,none,0,0,1,moderate_burden
Tanzania,2022,urban,female,71,55+,second,secondary,unemployed,0.9,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2024,urban,male,59,55+,middle,secondary,unemployed,23.5,0.7,1,savings,UBA,3,0,1487.76,none,0,0,0,moderate_burden
Ethiopia,2021,rural,male,34,25-34,highest,secondary,employed_informal,5.9,11.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2018,urban,female,45,35-44,middle,none,self_employed,0.7,3.8,1,savings,KCB,0,4,0.0,none,0,0,1,moderate_burden
Mali,2021,rural,female,63,55+,fourth,secondary,employed_formal,44.0,1.7,1,savings,Coris Bank,1,0,1724.93,none,0,0,0,moderate_burden
Mozambique,2020,rural,female,55,45-54,fourth,none,self_employed,11.3,2.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,urban,male,36,35-44,highest,tertiary,employed_informal,2.9,3.5,1,salary_account,CRDB,0,12,0.0,none,0,0,0,moderate_burden
Rwanda,2024,rural,male,32,25-34,second,none,self_employed,29.5,15.5,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Kenya,2021,rural,female,60,55+,second,tertiary,employed_informal,0.2,15.8,1,fixed_deposit,NCBA,3,0,133.57,none,0,0,0,moderate_burden
South Africa,2022,rural,female,45,35-44,fourth,secondary,employed_formal,7.1,6.0,1,savings,Absa,4,0,671.25,none,1,0,0,moderate_burden
Uganda,2023,urban,female,55,45-54,middle,primary,employed_formal,2.5,0.3,1,fixed_deposit,Centenary,1,0,73.88,none,1,0,1,moderate_burden
Ethiopia,2025,rural,female,33,25-34,middle,primary,self_employed,20.0,6.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2022,rural,female,44,35-44,middle,none,student,2.3,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2018,rural,female,50,45-54,lowest,primary,employed_formal,1.2,2.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2021,urban,male,50,45-54,middle,secondary,employed_formal,4.2,5.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2025,rural,male,37,35-44,middle,primary,employed_formal,16.5,0.1,1,savings,NBS Bank,0,9,0.0,none,0,0,0,moderate_burden
Ghana,2024,urban,male,56,55+,middle,primary,employed_informal,7.6,0.4,1,fixed_deposit,Ecobank,1,0,580.57,none,1,0,1,moderate_burden
Ghana,2022,urban,female,29,25-34,highest,secondary,self_employed,9.2,0.3,1,salary_account,Ecobank,4,0,4412.85,none,0,1,0,moderate_burden
Uganda,2021,urban,female,53,45-54,middle,primary,unemployed,0.1,1.0,1,savings,Centenary,1,0,225.37,none,0,0,0,moderate_burden
Mali,2025,rural,male,36,35-44,fourth,primary,unemployed,3.9,3.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2023,rural,male,18,18-24,lowest,secondary,unemployed,4.2,9.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2019,urban,male,52,45-54,second,secondary,employed_informal,6.5,1.5,1,savings,Ecobank,1,0,165.15,none,1,1,1,moderate_burden
Ghana,2022,rural,female,65,55+,lowest,secondary,employed_formal,8.4,12.6,1,savings,Stanbic,2,0,704.1,none,0,0,1,moderate_burden
South Africa,2020,rural,female,37,35-44,second,none,employed_formal,7.8,7.3,1,current,Standard Bank,0,1,0.0,none,0,0,0,moderate_burden
South Africa,2023,rural,female,48,45-54,fourth,secondary,self_employed,42.3,6.6,1,fixed_deposit,Absa,2,0,436.63,none,0,0,0,moderate_burden
Zambia,2024,urban,female,21,18-24,fourth,primary,employed_formal,1.7,2.3,1,salary_account,First National Bank,3,0,366.74,none,0,0,0,moderate_burden
Kenya,2023,rural,male,29,25-34,lowest,secondary,self_employed,4.9,17.8,1,savings,KCB,2,0,56.76,none,0,0,0,moderate_burden
Uganda,2020,urban,female,43,35-44,second,secondary,self_employed,2.1,0.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2023,urban,female,59,55+,second,primary,employed_formal,1.1,2.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2018,urban,female,58,55+,second,tertiary,unemployed,0.6,1.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2021,rural,female,19,18-24,middle,none,unemployed,1.9,2.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2022,rural,male,27,25-34,fourth,tertiary,unemployed,8.8,8.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,rural,male,20,18-24,lowest,none,employed_informal,11.3,1.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2024,urban,male,49,45-54,middle,primary,unemployed,1.4,0.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2018,urban,female,66,55+,fourth,secondary,student,1.8,1.6,1,current,NBS Bank,0,11,0.0,none,0,0,0,moderate_burden
Niger,2018,rural,male,51,45-54,lowest,none,student,1.4,22.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2025,rural,male,41,35-44,second,secondary,unemployed,3.8,16.7,1,fixed_deposit,Stanbic,0,23,0.0,none,0,0,1,moderate_burden
Mozambique,2020,rural,female,69,55+,lowest,none,student,5.0,9.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2024,rural,male,24,18-24,highest,tertiary,employed_informal,0.3,14.9,1,current,Ecobank,1,0,1376.14,none,0,1,0,moderate_burden
Rwanda,2020,urban,male,28,25-34,fourth,secondary,self_employed,2.2,0.6,1,savings,Equity Bank,0,4,0.0,none,0,1,0,moderate_burden
Niger,2023,urban,female,58,55+,fourth,secondary,self_employed,5.8,6.6,1,current,Sonibank,4,0,2566.39,none,0,0,0,moderate_burden
Senegal,2022,rural,male,72,55+,highest,primary,employed_informal,30.2,2.2,1,savings,Ecobank,1,0,1207.66,none,0,1,0,moderate_burden
South Africa,2022,rural,male,52,45-54,highest,primary,employed_informal,3.7,17.2,1,current,Capitec,0,11,0.0,none,0,0,0,moderate_burden
DRC,2022,urban,male,48,45-54,middle,secondary,employed_informal,2.3,2.4,1,savings,BCDC,2,0,511.71,none,0,1,0,moderate_burden
Niger,2024,urban,female,46,45-54,second,primary,student,9.2,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2020,urban,female,70,55+,lowest,none,employed_informal,8.0,2.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2021,rural,female,35,25-34,lowest,none,employed_informal,18.8,4.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2022,rural,female,23,18-24,lowest,secondary,unemployed,7.5,5.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2020,urban,female,41,35-44,second,secondary,student,0.6,2.6,1,savings,Fidelity,3,0,261.76,none,0,1,0,moderate_burden
Uganda,2021,urban,female,28,25-34,lowest,primary,self_employed,0.1,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2020,urban,male,52,45-54,lowest,primary,employed_informal,5.6,2.9,1,savings,Absa,1,0,241.76,none,0,0,0,moderate_burden
Malawi,2023,rural,female,48,45-54,highest,secondary,employed_informal,31.6,19.0,1,savings,Standard Bank,4,0,3795.89,none,0,1,0,moderate_burden
Kenya,2021,urban,female,56,55+,second,none,self_employed,1.1,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2018,rural,male,70,55+,second,secondary,self_employed,28.2,3.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2025,rural,female,20,18-24,middle,primary,self_employed,5.8,11.8,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Kenya,2025,rural,female,55,45-54,lowest,secondary,self_employed,39.0,3.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2019,rural,male,57,55+,fourth,primary,employed_formal,3.0,5.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2019,urban,female,46,45-54,lowest,secondary,unemployed,1.3,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,rural,female,38,35-44,highest,secondary,employed_informal,24.1,3.9,1,savings,Ecobank,0,23,0.0,none,0,1,0,moderate_burden
Mali,2024,urban,male,27,25-34,lowest,secondary,student,1.3,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2019,urban,male,71,55+,middle,secondary,unemployed,1.6,5.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,urban,female,53,45-54,middle,primary,employed_informal,0.8,2.8,1,salary_account,FNB,0,10,0.0,none,0,1,0,moderate_burden
Rwanda,2023,rural,male,28,25-34,highest,primary,unemployed,23.4,1.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2025,urban,female,37,35-44,second,secondary,self_employed,2.4,0.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2024,urban,female,36,35-44,highest,primary,unemployed,1.8,0.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2022,rural,male,71,55+,fourth,tertiary,student,11.3,2.1,1,current,DFCU,1,0,799.18,none,0,1,0,moderate_burden
Nigeria,2023,rural,male,52,45-54,lowest,primary,employed_informal,3.6,4.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2018,rural,male,59,55+,highest,primary,self_employed,28.6,2.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2023,urban,female,67,55+,lowest,secondary,self_employed,0.3,2.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2024,urban,male,67,55+,second,secondary,student,2.4,1.2,1,savings,GTBank,3,0,624.64,none,0,0,1,moderate_burden
Malawi,2021,rural,female,28,25-34,lowest,secondary,employed_informal,3.0,13.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2019,urban,male,30,25-34,highest,tertiary,employed_informal,0.4,4.3,1,current,FBNBank,1,0,1463.47,none,0,0,0,moderate_burden
Ghana,2018,rural,female,24,18-24,second,primary,employed_formal,4.9,5.7,1,savings,Stanbic,3,0,1137.36,none,1,0,0,moderate_burden
South Africa,2018,rural,female,20,18-24,fourth,tertiary,self_employed,5.6,0.2,1,savings,FNB,2,0,100.89,none,0,1,1,moderate_burden
Uganda,2018,rural,female,72,55+,middle,none,unemployed,19.6,15.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2025,rural,female,72,55+,middle,tertiary,employed_informal,2.6,3.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2022,rural,female,58,55+,highest,secondary,employed_informal,14.8,6.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2018,urban,female,24,18-24,fourth,primary,unemployed,0.0,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,urban,male,63,55+,second,tertiary,employed_informal,2.0,6.1,1,fixed_deposit,Commercial Bank of Ethiopia,1,0,209.05,none,0,0,0,moderate_burden
Mali,2020,rural,female,69,55+,second,secondary,employed_formal,21.6,4.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2020,rural,male,69,55+,highest,none,employed_informal,38.4,9.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2020,urban,male,68,55+,lowest,primary,unemployed,6.2,2.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Kenya,2018,rural,female,58,55+,lowest,secondary,student,9.9,2.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2020,rural,female,34,25-34,lowest,none,employed_informal,8.4,3.3,1,current,Cooperative Bank,4,0,286.86,none,0,1,0,moderate_burden
South Africa,2025,rural,male,52,45-54,highest,primary,employed_informal,1.8,21.1,1,current,FNB,2,0,1224.69,none,0,0,0,moderate_burden
Uganda,2019,urban,female,40,35-44,fourth,tertiary,employed_informal,6.1,0.6,1,savings,Equity Bank,1,0,3085.17,none,1,0,1,moderate_burden
Mali,2020,rural,male,70,55+,lowest,secondary,employed_formal,10.6,8.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2022,rural,female,56,55+,lowest,none,unemployed,27.9,2.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2025,rural,female,27,25-34,second,none,student,10.9,0.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2023,rural,female,33,25-34,lowest,primary,self_employed,7.1,0.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2022,rural,male,35,25-34,second,none,self_employed,12.4,2.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2025,urban,female,18,18-24,highest,none,self_employed,2.6,0.2,1,savings,FDH Bank,3,0,760.22,none,0,0,1,moderate_burden
Rwanda,2019,rural,female,56,55+,lowest,secondary,unemployed,3.2,19.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2025,rural,male,63,55+,second,none,self_employed,10.6,5.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2020,urban,male,55,45-54,lowest,primary,unemployed,9.9,1.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2018,urban,female,32,25-34,lowest,none,self_employed,2.6,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2020,rural,female,42,35-44,highest,primary,unemployed,32.1,4.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2020,rural,female,36,35-44,lowest,primary,employed_informal,9.0,0.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Senegal,2022,urban,male,72,55+,highest,secondary,self_employed,5.4,0.2,1,savings,Ecobank,0,3,0.0,none,0,0,0,moderate_burden
Mali,2020,rural,male,46,45-54,highest,none,employed_informal,43.1,16.6,1,current,Coris Bank,4,0,3109.47,none,0,0,0,moderate_burden
Uganda,2024,urban,female,35,25-34,second,primary,student,6.1,0.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2022,rural,female,58,55+,lowest,none,employed_informal,1.4,6.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2025,urban,female,32,25-34,fourth,none,student,0.2,2.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2022,rural,female,60,55+,lowest,primary,student,22.8,6.8,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2020,urban,female,62,55+,second,primary,self_employed,2.0,0.9,1,savings,Capitec,2,0,696.8,none,0,0,1,moderate_burden
Niger,2021,rural,female,22,18-24,fourth,secondary,unemployed,5.9,9.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2024,urban,female,19,18-24,fourth,primary,unemployed,0.8,0.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2024,rural,male,18,18-24,middle,none,unemployed,59.6,19.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2023,urban,female,70,55+,fourth,secondary,employed_formal,1.5,1.2,1,savings,Stanbic,3,0,1907.84,none,0,0,0,moderate_burden
South Africa,2020,urban,female,25,18-24,middle,primary,unemployed,4.4,0.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2022,rural,female,40,35-44,second,secondary,self_employed,32.4,0.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2019,rural,female,31,25-34,lowest,secondary,employed_informal,3.1,9.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2020,urban,female,44,35-44,middle,secondary,self_employed,4.8,0.8,1,savings,First National Bank,2,0,398.54,none,0,0,0,moderate_burden
Kenya,2024,rural,female,73,55+,lowest,secondary,unemployed,15.9,16.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2022,rural,male,74,55+,middle,secondary,employed_informal,13.0,2.6,1,savings,Standard Bank,1,0,514.1,none,0,0,0,moderate_burden
South Africa,2022,rural,male,36,35-44,highest,none,employed_informal,0.8,3.1,1,savings,Absa,0,5,0.0,none,0,0,0,moderate_burden
Ghana,2019,rural,male,61,55+,second,tertiary,self_employed,21.1,24.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2022,urban,female,27,25-34,fourth,secondary,self_employed,6.5,1.9,1,salary_account,FDH Bank,2,0,327.13,none,0,1,1,moderate_burden
DRC,2025,rural,male,68,55+,middle,primary,employed_informal,4.3,9.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2020,rural,male,44,35-44,fourth,secondary,employed_informal,3.6,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2019,rural,female,23,18-24,middle,secondary,student,3.7,3.4,1,savings,CBAO,1,0,190.95,none,0,0,0,moderate_burden
Tanzania,2023,rural,male,38,35-44,lowest,primary,employed_formal,12.2,19.9,1,savings,NBC,4,0,275.45,none,0,1,0,moderate_burden
Zambia,2020,urban,male,63,55+,highest,secondary,unemployed,5.8,1.1,1,savings,Absa,1,0,1469.99,none,0,1,0,moderate_burden
Uganda,2024,urban,female,27,25-34,second,primary,employed_formal,8.3,1.3,1,savings,DFCU,4,0,89.66,none,0,1,1,moderate_burden
Niger,2018,rural,male,64,55+,second,tertiary,employed_informal,0.0,0.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2019,urban,female,27,25-34,second,none,student,2.1,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2022,urban,female,39,35-44,lowest,primary,unemployed,3.1,2.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2018,urban,male,27,25-34,highest,secondary,self_employed,7.7,2.1,1,savings,Ecobank,1,0,5366.44,none,0,0,1,moderate_burden
Niger,2022,urban,female,45,35-44,middle,secondary,self_employed,1.3,0.5,1,savings,Sonibank,0,9,0.0,none,0,0,1,moderate_burden
Niger,2019,rural,male,67,55+,second,tertiary,self_employed,18.8,2.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2018,rural,male,74,55+,second,primary,self_employed,7.2,1.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2025,rural,female,69,55+,second,tertiary,employed_informal,0.2,5.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,urban,female,66,55+,fourth,secondary,employed_informal,1.5,0.1,1,salary_account,Stanbic,2,0,3926.3,none,0,1,0,moderate_burden
Malawi,2018,urban,male,53,45-54,middle,tertiary,employed_informal,1.7,0.8,1,savings,FDH Bank,2,0,167.29,none,1,0,1,moderate_burden
Kenya,2024,urban,male,73,55+,second,tertiary,employed_formal,0.9,0.4,1,savings,Stanbic,1,0,275.47,none,0,1,0,moderate_burden
Mali,2021,urban,male,59,55+,second,primary,employed_formal,5.1,3.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2024,urban,female,54,45-54,second,primary,employed_formal,7.2,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,rural,male,24,18-24,lowest,primary,employed_informal,4.4,12.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2020,urban,male,41,35-44,fourth,secondary,self_employed,2.5,2.3,1,savings,Millennium BIM,2,0,1701.49,none,0,0,0,moderate_burden
Nigeria,2018,rural,female,65,55+,middle,secondary,employed_formal,23.8,11.6,1,savings,GTBank,2,0,748.01,none,0,0,1,moderate_burden
Kenya,2024,rural,male,38,35-44,fourth,tertiary,employed_informal,3.6,6.5,1,current,Stanbic,3,0,568.17,none,0,1,0,moderate_burden
Malawi,2024,rural,female,74,55+,fourth,secondary,self_employed,4.8,31.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2018,urban,female,72,55+,middle,tertiary,employed_informal,2.3,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2023,rural,female,65,55+,fourth,secondary,self_employed,7.4,0.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2023,rural,female,45,35-44,middle,secondary,self_employed,62.6,3.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2022,rural,female,66,55+,lowest,secondary,employed_formal,6.4,4.6,1,savings,NBC,2,0,114.76,none,0,0,0,moderate_burden
Kenya,2024,rural,male,55,45-54,middle,primary,employed_formal,1.5,2.0,1,savings,NCBA,0,6,0.0,none,0,0,0,moderate_burden
Kenya,2020,rural,male,71,55+,fourth,tertiary,employed_informal,8.5,3.5,1,current,Stanbic,0,19,0.0,none,0,0,0,moderate_burden
Kenya,2025,rural,male,56,55+,lowest,primary,employed_informal,15.0,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2023,urban,male,40,35-44,highest,primary,self_employed,3.2,3.9,1,savings,Ecobank,3,0,6251.87,none,0,0,0,moderate_burden
Senegal,2022,rural,male,45,35-44,second,tertiary,student,2.8,5.3,1,savings,BHS,0,8,0.0,none,0,0,1,moderate_burden
South Africa,2024,urban,female,49,45-54,highest,tertiary,employed_informal,1.0,0.1,1,fixed_deposit,Capitec,2,0,2585.77,none,0,1,1,moderate_burden
DRC,2023,urban,female,38,35-44,fourth,secondary,employed_formal,1.7,0.8,1,savings,Rawbank,0,13,0.0,none,0,0,1,moderate_burden
South Africa,2023,rural,female,54,45-54,highest,none,unemployed,1.3,14.9,1,current,Nedbank,1,0,4312.86,none,0,0,0,moderate_burden
Zambia,2023,urban,female,49,45-54,second,primary,self_employed,0.4,0.0,1,current,Stanbic,1,0,785.61,none,0,1,0,moderate_burden
Mozambique,2022,rural,male,67,55+,fourth,primary,employed_informal,26.8,9.9,1,savings,Moza Banco,1,0,2660.29,none,0,0,0,moderate_burden
Ethiopia,2019,rural,female,66,55+,lowest,primary,employed_informal,6.8,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,rural,female,32,25-34,highest,primary,employed_informal,3.7,23.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,urban,male,74,55+,highest,none,unemployed,2.5,0.5,1,savings,Awash Bank,4,0,4364.31,none,0,1,0,moderate_burden
Uganda,2019,rural,male,28,25-34,middle,primary,employed_informal,3.8,1.5,1,savings,Stanbic,0,24,0.0,none,0,1,0,moderate_burden
DRC,2025,rural,female,41,35-44,fourth,none,unemployed,11.2,39.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2019,urban,female,65,55+,second,tertiary,employed_informal,1.3,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2024,rural,male,27,25-34,lowest,tertiary,employed_informal,15.7,7.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2025,rural,female,21,18-24,middle,none,unemployed,2.8,20.8,1,savings,Absa,0,14,0.0,none,0,1,0,moderate_burden
Niger,2019,urban,female,56,55+,second,secondary,unemployed,0.8,1.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2019,urban,male,50,45-54,lowest,none,self_employed,2.0,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2022,rural,male,41,35-44,fourth,primary,self_employed,38.3,2.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2020,urban,male,43,35-44,lowest,none,employed_informal,8.8,1.4,1,current,Absa,3,0,455.84,none,0,1,1,moderate_burden
Rwanda,2025,rural,male,68,55+,middle,tertiary,employed_informal,1.1,2.9,1,savings,Bank of Kigali,4,0,637.89,none,0,0,0,moderate_burden
Malawi,2021,rural,male,24,18-24,highest,secondary,employed_formal,17.7,7.8,1,savings,FDH Bank,3,0,2002.1,none,0,0,0,moderate_burden
Nigeria,2020,urban,male,69,55+,middle,tertiary,employed_informal,6.5,0.8,1,savings,UBA,1,0,221.62,none,0,0,0,moderate_burden
Mozambique,2019,rural,male,49,45-54,fourth,secondary,employed_formal,6.1,18.9,1,current,Millennium BIM,1,0,239.9,none,1,1,1,moderate_burden
Senegal,2020,urban,female,44,35-44,lowest,secondary,employed_informal,2.0,0.6,1,savings,Ecobank,2,0,230.11,none,0,0,1,moderate_burden
Mozambique,2019,rural,male,52,45-54,lowest,secondary,student,99.8,2.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2025,rural,male,22,18-24,lowest,secondary,student,0.7,0.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2024,rural,male,71,55+,highest,secondary,self_employed,35.1,3.5,1,savings,First National Bank,3,0,4563.07,none,0,1,0,moderate_burden
South Africa,2020,urban,male,21,18-24,highest,secondary,employed_informal,7.9,1.9,1,salary_account,FNB,0,22,0.0,none,0,1,1,moderate_burden
Tanzania,2024,rural,male,62,55+,lowest,none,student,0.8,8.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2018,rural,male,29,25-34,fourth,none,employed_formal,2.8,4.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2024,rural,male,71,55+,second,secondary,employed_informal,46.8,1.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2021,rural,female,25,18-24,lowest,secondary,unemployed,7.3,2.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2022,rural,male,47,45-54,lowest,none,employed_informal,1.0,0.4,1,current,First National Bank,0,20,0.0,none,0,0,0,moderate_burden
Nigeria,2023,urban,male,35,25-34,highest,secondary,employed_formal,0.8,2.3,1,current,Access Bank,3,0,707.24,none,0,1,0,moderate_burden
Niger,2020,rural,female,74,55+,fourth,none,self_employed,4.6,5.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2021,urban,female,24,18-24,middle,tertiary,unemployed,5.7,1.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2023,rural,female,28,25-34,fourth,primary,employed_informal,9.6,28.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2019,urban,male,55,45-54,middle,primary,employed_informal,8.8,1.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2025,urban,female,19,18-24,lowest,primary,self_employed,3.7,0.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2021,rural,male,52,45-54,middle,secondary,unemployed,0.9,9.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2024,rural,male,32,25-34,middle,secondary,employed_informal,22.8,3.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2018,urban,female,47,45-54,lowest,secondary,student,4.4,0.0,1,current,Sonibank,4,0,110.77,none,0,0,1,moderate_burden
Uganda,2019,urban,male,19,18-24,lowest,secondary,employed_formal,0.8,3.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2020,rural,female,46,45-54,second,secondary,student,3.7,9.4,1,savings,CBAO,0,9,0.0,none,1,0,0,moderate_burden
Niger,2020,rural,female,37,35-44,second,none,unemployed,4.2,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2020,rural,female,72,55+,second,secondary,self_employed,25.7,4.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2019,urban,male,49,45-54,fourth,secondary,unemployed,0.1,0.2,1,savings,DFCU,3,0,1700.35,none,0,1,0,moderate_burden
DRC,2025,rural,male,62,55+,second,primary,employed_informal,8.0,17.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ghana,2020,rural,male,59,55+,highest,primary,self_employed,28.6,6.1,1,savings,GCB,0,15,0.0,none,0,0,0,moderate_burden
Mozambique,2024,rural,male,41,35-44,middle,primary,student,0.9,8.1,1,savings,Standard Bank,1,0,95.89,none,0,0,0,moderate_burden
Mozambique,2018,rural,male,40,35-44,lowest,secondary,unemployed,13.8,2.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2025,urban,male,58,55+,lowest,secondary,employed_informal,15.7,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2021,rural,male,22,18-24,second,primary,employed_informal,22.0,14.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,urban,female,72,55+,middle,secondary,unemployed,2.9,3.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2023,urban,female,46,45-54,fourth,none,unemployed,2.9,0.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2019,rural,female,25,18-24,lowest,secondary,employed_formal,2.1,0.4,1,salary_account,FNB,0,10,0.0,none,0,1,0,moderate_burden
Nigeria,2018,rural,female,30,25-34,fourth,secondary,student,12.6,11.6,1,current,Zenith Bank,1,0,1097.53,none,0,0,0,moderate_burden
Ghana,2023,urban,male,53,45-54,second,none,unemployed,0.6,0.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2023,urban,female,71,55+,fourth,secondary,student,4.3,1.4,1,savings,Ecobank,3,0,2684.94,none,0,0,0,moderate_burden
Mali,2025,rural,male,41,35-44,middle,secondary,self_employed,4.7,1.3,1,savings,Coris Bank,2,0,884.01,none,1,1,0,moderate_burden
Senegal,2022,rural,male,28,25-34,middle,none,unemployed,11.5,14.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2019,rural,male,42,35-44,middle,none,unemployed,5.7,0.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2021,rural,male,28,25-34,lowest,primary,self_employed,1.8,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2020,urban,male,37,35-44,highest,tertiary,unemployed,0.0,1.2,1,fixed_deposit,Orabank,4,0,2642.31,none,0,0,0,moderate_burden
Niger,2022,urban,female,23,18-24,second,secondary,unemployed,6.6,1.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2020,rural,female,64,55+,fourth,secondary,employed_formal,47.8,11.3,1,savings,Commercial Bank of Ethiopia,1,0,747.82,none,0,0,0,moderate_burden
Mozambique,2020,rural,male,64,55+,lowest,primary,self_employed,21.2,12.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2024,urban,female,23,18-24,lowest,none,self_employed,1.0,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2019,rural,female,33,25-34,lowest,none,self_employed,19.8,3.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2022,rural,male,44,35-44,lowest,secondary,unemployed,2.5,1.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2023,urban,male,30,25-34,lowest,primary,employed_formal,3.5,2.7,1,savings,Zanaco,2,0,334.42,none,0,0,1,moderate_burden
Nigeria,2023,rural,female,19,18-24,fourth,secondary,employed_informal,27.6,10.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2024,rural,female,70,55+,lowest,primary,employed_informal,32.2,3.8,1,current,Capitec,2,0,428.38,none,0,1,1,moderate_burden
DRC,2025,urban,male,46,45-54,lowest,secondary,self_employed,3.0,1.9,1,current,FBNBank,1,0,87.07,none,0,0,1,moderate_burden
Nigeria,2022,urban,female,73,55+,lowest,tertiary,employed_formal,5.5,3.9,1,salary_account,UBA,1,0,499.17,none,0,0,1,moderate_burden
Rwanda,2020,urban,female,22,18-24,highest,primary,unemployed,11.5,0.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2021,urban,male,65,55+,highest,none,self_employed,2.9,0.8,1,savings,Bank of Kigali,2,0,1626.36,none,0,1,0,moderate_burden
Ethiopia,2021,rural,female,68,55+,middle,primary,unemployed,18.8,8.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,urban,male,34,25-34,second,tertiary,employed_formal,1.1,0.9,1,savings,Absa,1,0,1278.27,none,0,0,1,moderate_burden
DRC,2022,rural,female,53,45-54,fourth,tertiary,self_employed,51.8,6.4,1,salary_account,BCDC,1,0,130.94,none,0,1,1,moderate_burden
Malawi,2019,rural,female,32,25-34,lowest,secondary,unemployed,2.3,15.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ethiopia,2022,urban,female,63,55+,fourth,primary,self_employed,0.7,0.4,1,savings,Dashen Bank,1,0,542.1,none,0,0,1,moderate_burden
South Africa,2025,rural,female,64,55+,highest,tertiary,self_employed,5.1,3.6,1,salary_account,Capitec,2,0,1871.39,none,0,0,1,moderate_burden
Niger,2018,urban,male,29,25-34,highest,tertiary,employed_formal,5.7,2.3,1,savings,BAK,1,0,1788.11,none,0,1,0,moderate_burden
Mozambique,2019,rural,female,67,55+,lowest,primary,self_employed,7.9,7.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2025,rural,female,58,55+,lowest,primary,self_employed,2.4,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2022,rural,female,26,25-34,second,primary,employed_informal,23.7,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2025,urban,male,22,18-24,middle,primary,self_employed,1.5,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2025,rural,female,60,55+,lowest,secondary,unemployed,2.3,0.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2019,rural,male,37,35-44,middle,secondary,employed_informal,3.2,2.7,1,savings,Centenary,1,0,149.07,none,0,1,0,moderate_burden
Nigeria,2021,urban,female,69,55+,middle,tertiary,student,4.1,0.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2023,rural,male,39,35-44,second,primary,employed_formal,3.4,7.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2021,rural,female,53,45-54,middle,secondary,employed_informal,16.1,6.8,1,savings,BCDC,1,0,168.83,none,1,0,0,moderate_burden
Malawi,2020,rural,female,65,55+,middle,none,employed_informal,1.7,0.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ethiopia,2024,urban,female,64,55+,second,secondary,self_employed,2.0,0.7,1,savings,Commercial Bank of Ethiopia,2,0,130.8,none,0,1,0,moderate_burden
Kenya,2019,urban,male,59,55+,lowest,secondary,employed_informal,1.2,3.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2019,rural,female,22,18-24,lowest,none,unemployed,1.3,18.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,rural,female,64,55+,middle,none,employed_informal,6.4,2.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2019,rural,female,62,55+,fourth,secondary,self_employed,20.1,5.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2024,rural,female,56,55+,lowest,primary,employed_informal,31.3,28.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2024,rural,male,27,25-34,lowest,tertiary,student,22.4,16.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2023,urban,male,55,45-54,second,secondary,unemployed,6.4,2.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2019,rural,male,68,55+,fourth,secondary,employed_informal,4.5,2.9,1,savings,DFCU,2,0,585.66,none,0,0,0,moderate_burden
Nigeria,2022,urban,female,38,35-44,second,tertiary,student,1.9,5.0,1,savings,First Bank,1,0,184.97,none,0,0,1,moderate_burden
Senegal,2023,rural,female,28,25-34,lowest,secondary,employed_formal,11.5,6.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2024,rural,male,72,55+,middle,secondary,employed_formal,34.5,4.4,1,savings,Standard Bank,0,22,0.0,none,0,1,0,moderate_burden
Senegal,2023,rural,male,49,45-54,middle,primary,student,21.2,2.3,1,fixed_deposit,CBAO,3,0,634.43,none,0,1,0,moderate_burden
Uganda,2018,urban,male,53,45-54,fourth,primary,employed_informal,0.7,1.8,1,salary_account,Stanbic,0,17,0.0,none,0,0,0,moderate_burden
Mali,2025,rural,male,30,25-34,middle,primary,student,6.9,16.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2024,rural,male,48,45-54,second,tertiary,self_employed,2.2,6.2,1,savings,Orabank,0,18,0.0,none,0,1,0,moderate_burden
Niger,2021,rural,female,34,25-34,lowest,secondary,employed_informal,24.4,2.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2025,rural,female,74,55+,second,secondary,employed_informal,9.7,2.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,rural,male,18,18-24,fourth,primary,employed_informal,3.0,3.9,1,current,Awash Bank,4,0,797.46,none,1,0,0,moderate_burden
Zambia,2022,rural,male,32,25-34,middle,tertiary,student,9.8,9.7,1,current,Zanaco,4,0,1397.32,none,0,0,0,moderate_burden
Nigeria,2022,rural,male,57,55+,lowest,secondary,student,11.8,2.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2023,rural,male,62,55+,fourth,tertiary,employed_informal,6.6,5.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mali,2023,urban,male,36,35-44,highest,secondary,unemployed,1.6,0.7,1,salary_account,BMCD,2,0,664.54,none,0,1,0,moderate_burden
Tanzania,2024,rural,male,40,35-44,fourth,primary,student,2.4,11.3,1,salary_account,NBC,2,0,1385.81,none,0,0,1,moderate_burden
Mozambique,2023,rural,female,51,45-54,fourth,primary,unemployed,20.2,11.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2018,rural,female,69,55+,lowest,none,employed_informal,6.5,12.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2023,urban,male,68,55+,lowest,secondary,self_employed,2.1,3.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2023,rural,female,61,55+,middle,secondary,self_employed,16.0,6.3,1,savings,Zanaco,4,0,372.85,none,0,1,0,moderate_burden
Kenya,2023,urban,male,21,18-24,highest,none,employed_informal,2.5,2.0,1,savings,Equity Bank,1,0,5135.46,none,1,0,0,moderate_burden
Nigeria,2023,rural,female,33,25-34,second,primary,employed_informal,20.6,4.2,1,savings,Access Bank,3,0,917.4,none,0,1,0,moderate_burden
Niger,2024,rural,female,51,45-54,highest,none,employed_informal,65.9,0.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2022,rural,female,40,35-44,lowest,primary,employed_informal,8.8,6.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,urban,female,25,18-24,fourth,tertiary,self_employed,2.0,5.3,1,current,Awash Bank,0,7,0.0,none,0,0,0,moderate_burden
Rwanda,2018,urban,female,59,55+,fourth,primary,student,2.7,0.4,1,savings,Equity Bank,3,0,170.54,none,0,0,0,moderate_burden
Rwanda,2023,urban,male,74,55+,second,primary,employed_informal,4.4,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2020,urban,male,45,35-44,middle,secondary,self_employed,1.5,2.7,1,current,National Bank,2,0,1058.01,none,0,1,0,moderate_burden
Mozambique,2020,rural,female,19,18-24,second,secondary,unemployed,0.5,4.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2020,urban,male,72,55+,second,primary,employed_informal,1.3,1.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2019,rural,male,29,25-34,second,secondary,employed_formal,0.6,10.6,1,current,Zanaco,3,0,350.12,none,0,0,0,moderate_burden
South Africa,2020,urban,male,24,18-24,second,primary,unemployed,4.0,2.4,1,savings,Capitec,2,0,196.15,none,1,1,1,moderate_burden
Mozambique,2022,rural,male,56,55+,second,none,self_employed,9.7,4.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2021,rural,male,72,55+,fourth,secondary,student,0.3,3.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2020,rural,male,23,18-24,middle,primary,employed_informal,7.8,3.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2019,urban,female,25,18-24,second,primary,unemployed,2.8,3.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2023,rural,female,71,55+,highest,none,employed_formal,13.7,9.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ethiopia,2024,urban,male,31,25-34,lowest,tertiary,self_employed,3.3,1.6,1,salary_account,Dashen Bank,0,22,0.0,none,0,0,0,moderate_burden
Rwanda,2018,rural,female,49,45-54,second,secondary,student,3.0,5.7,1,savings,I&M Bank,2,0,220.11,none,1,0,0,moderate_burden
South Africa,2025,rural,female,57,55+,lowest,primary,employed_informal,5.3,21.4,1,current,Standard Bank,1,0,82.75,none,0,0,0,moderate_burden
Mozambique,2020,urban,female,54,45-54,lowest,none,self_employed,0.4,2.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2021,urban,female,55,45-54,fourth,secondary,employed_informal,3.5,2.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2022,urban,female,36,35-44,middle,primary,student,1.2,1.6,1,salary_account,Cooperative Bank,3,0,629.26,none,0,1,1,moderate_burden
Mozambique,2023,urban,female,46,45-54,second,secondary,employed_informal,1.1,0.1,1,fixed_deposit,Moza Banco,4,0,255.9,none,1,1,1,moderate_burden
Zambia,2019,urban,male,33,25-34,fourth,tertiary,unemployed,6.6,3.6,1,savings,Zanaco,4,0,1282.06,none,0,0,0,moderate_burden
Kenya,2019,urban,male,67,55+,fourth,tertiary,employed_informal,13.0,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2025,rural,female,23,18-24,second,primary,employed_informal,40.2,4.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2020,rural,male,66,55+,fourth,secondary,employed_formal,15.1,8.2,1,salary_account,GCB,2,0,436.77,none,0,0,0,moderate_burden
Nigeria,2019,rural,male,69,55+,fourth,primary,employed_informal,11.9,29.1,1,current,GTBank,1,0,1879.7,none,0,0,0,moderate_burden
Zambia,2019,rural,female,35,25-34,second,primary,self_employed,11.2,14.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2020,rural,male,48,45-54,fourth,secondary,self_employed,7.0,3.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2021,rural,female,19,18-24,lowest,none,unemployed,22.1,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2025,rural,male,57,55+,lowest,primary,employed_formal,13.3,14.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2024,rural,female,22,18-24,lowest,secondary,employed_formal,60.2,9.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2021,rural,male,57,55+,fourth,primary,student,1.2,18.4,1,current,Moza Banco,2,0,740.09,none,0,1,0,moderate_burden
Mali,2019,urban,female,64,55+,lowest,secondary,student,0.8,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2019,rural,male,54,45-54,lowest,secondary,self_employed,30.5,2.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2022,urban,male,47,45-54,middle,secondary,employed_formal,3.5,0.2,1,savings,Société Générale,1,0,70.36,none,0,1,0,moderate_burden
DRC,2019,rural,male,23,18-24,highest,secondary,employed_formal,25.0,3.8,1,salary_account,Equity BCDC,1,0,452.26,none,1,1,0,moderate_burden
Tanzania,2021,rural,female,59,55+,fourth,secondary,unemployed,12.6,23.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2023,rural,female,45,35-44,second,primary,student,38.4,6.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2019,rural,male,41,35-44,fourth,tertiary,self_employed,6.8,3.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2021,urban,female,35,25-34,highest,primary,employed_formal,5.5,2.0,1,savings,Absa,1,0,801.71,none,0,1,1,moderate_burden
Nigeria,2018,urban,female,24,18-24,fourth,none,employed_informal,2.3,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2021,urban,female,22,18-24,middle,secondary,self_employed,12.7,0.2,1,salary_account,BHS,2,0,585.91,none,1,0,1,moderate_burden
Ghana,2020,rural,female,37,35-44,lowest,secondary,unemployed,76.6,17.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2025,rural,female,34,25-34,second,none,employed_informal,1.1,16.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2023,urban,female,26,25-34,middle,tertiary,unemployed,4.1,5.5,1,savings,Stanbic,2,0,657.05,none,0,0,0,moderate_burden
Ghana,2024,rural,female,45,35-44,fourth,primary,self_employed,26.2,5.9,1,savings,Stanbic,1,0,2107.53,none,0,0,0,moderate_burden
Mali,2025,urban,female,42,35-44,highest,secondary,unemployed,1.4,3.0,1,savings,BDM,1,0,2732.33,none,0,0,0,moderate_burden
South Africa,2022,urban,male,67,55+,highest,primary,employed_formal,10.8,0.1,1,savings,FNB,4,0,7977.94,none,0,1,0,moderate_burden
DRC,2025,rural,female,19,18-24,lowest,secondary,self_employed,3.6,9.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2024,rural,female,26,25-34,second,secondary,employed_informal,2.1,7.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2025,urban,male,69,55+,highest,primary,self_employed,3.3,0.1,1,salary_account,Equity Bank,1,0,2212.67,none,0,1,0,moderate_burden
Nigeria,2018,rural,female,31,25-34,lowest,secondary,employed_formal,11.4,14.2,1,current,UBA,1,0,135.34,none,0,0,0,moderate_burden
Zambia,2018,rural,male,41,35-44,highest,primary,employed_formal,6.0,21.1,1,savings,Absa,2,0,1718.53,none,1,1,0,moderate_burden
Nigeria,2022,rural,male,61,55+,lowest,secondary,unemployed,10.7,2.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2024,rural,female,45,35-44,lowest,tertiary,employed_informal,7.4,12.0,1,current,BHS,1,0,231.39,none,0,0,0,moderate_burden
Uganda,2021,urban,female,48,45-54,lowest,primary,self_employed,0.7,1.4,1,savings,DFCU,0,2,0.0,none,0,0,0,moderate_burden
Uganda,2020,rural,female,73,55+,second,none,self_employed,14.2,3.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2019,rural,female,34,25-34,lowest,secondary,employed_informal,2.2,5.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2024,urban,male,36,35-44,second,primary,unemployed,0.7,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2019,rural,female,41,35-44,middle,primary,self_employed,7.3,4.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2021,rural,female,41,35-44,second,secondary,student,9.3,18.9,1,salary_account,BDM,3,0,63.63,none,0,1,0,moderate_burden
Senegal,2023,urban,male,64,55+,middle,primary,unemployed,0.2,0.4,1,savings,CBAO,2,0,763.48,none,1,0,0,moderate_burden
Uganda,2025,rural,male,48,45-54,fourth,secondary,employed_informal,5.6,3.5,1,savings,Equity Bank,2,0,1343.51,none,0,0,0,moderate_burden
Senegal,2021,urban,male,34,25-34,second,primary,employed_formal,5.1,4.5,1,savings,BHS,0,16,0.0,none,0,0,1,moderate_burden
Nigeria,2024,rural,female,74,55+,lowest,primary,self_employed,6.1,2.5,1,savings,GTBank,1,0,71.45,none,0,1,0,moderate_burden
Rwanda,2018,urban,male,47,45-54,second,secondary,student,0.6,3.4,1,savings,Ecobank,3,0,97.53,none,1,1,0,moderate_burden
Mozambique,2024,rural,male,55,45-54,highest,primary,student,0.1,7.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2019,urban,female,21,18-24,middle,primary,unemployed,3.7,0.4,1,savings,Coris Bank,3,0,723.26,none,0,0,0,moderate_burden
Kenya,2023,urban,female,42,35-44,highest,primary,employed_formal,5.5,3.3,1,savings,Stanbic,2,0,797.29,none,0,1,0,moderate_burden
Ghana,2025,rural,male,31,25-34,lowest,primary,employed_informal,9.5,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,rural,male,34,25-34,second,primary,unemployed,30.3,0.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2024,rural,male,42,35-44,second,primary,employed_informal,0.9,5.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2025,rural,female,63,55+,middle,none,unemployed,13.7,1.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Niger,2019,urban,male,45,35-44,second,primary,employed_informal,2.9,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2020,rural,female,70,55+,lowest,none,employed_informal,31.7,1.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2018,urban,male,20,18-24,lowest,primary,self_employed,2.0,5.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2020,rural,male,46,45-54,lowest,secondary,student,5.7,14.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2022,urban,male,19,18-24,lowest,primary,employed_informal,6.6,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2022,urban,female,25,18-24,second,none,student,1.2,3.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2021,urban,female,26,25-34,middle,secondary,employed_informal,3.6,0.2,1,savings,KCB,2,0,190.63,none,0,0,0,moderate_burden
Uganda,2023,urban,male,74,55+,second,tertiary,unemployed,0.5,2.2,1,savings,DFCU,4,0,740.32,none,0,1,0,moderate_burden
South Africa,2020,rural,female,56,55+,lowest,tertiary,unemployed,35.8,1.8,1,savings,FNB,4,0,48.09,none,0,1,0,moderate_burden
Rwanda,2023,rural,female,25,18-24,second,none,employed_informal,5.1,12.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2020,rural,male,28,25-34,second,primary,self_employed,10.0,3.4,1,savings,GTBank,1,0,733.71,none,1,0,0,moderate_burden
Senegal,2019,rural,male,70,55+,fourth,none,employed_informal,6.6,0.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2018,rural,male,26,25-34,fourth,secondary,unemployed,7.0,12.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2022,rural,male,37,35-44,lowest,none,self_employed,27.5,14.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2023,rural,female,60,55+,middle,primary,employed_informal,3.1,2.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2022,urban,female,19,18-24,second,secondary,employed_formal,0.4,0.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2019,rural,male,39,35-44,highest,secondary,employed_informal,20.8,0.8,1,savings,National Bank,0,16,0.0,none,0,0,0,moderate_burden
Ethiopia,2024,rural,female,31,25-34,middle,secondary,self_employed,3.7,0.2,1,savings,Commercial Bank of Ethiopia,2,0,98.52,none,0,1,0,moderate_burden
Rwanda,2024,urban,male,32,25-34,middle,secondary,unemployed,2.4,0.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2024,rural,male,38,35-44,middle,secondary,student,1.3,35.8,1,salary_account,Equity BCDC,3,0,331.47,none,0,0,0,moderate_burden
South Africa,2019,urban,female,64,55+,highest,secondary,employed_informal,0.1,0.5,1,savings,Capitec,3,0,790.08,none,0,0,1,moderate_burden
Tanzania,2021,rural,female,27,25-34,lowest,tertiary,unemployed,14.7,7.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2022,urban,female,36,35-44,second,tertiary,employed_informal,2.6,1.5,1,current,KCB,2,0,84.72,none,1,0,1,moderate_burden
Mali,2020,urban,female,24,18-24,lowest,tertiary,self_employed,0.1,0.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2018,urban,female,59,55+,highest,primary,self_employed,1.4,0.9,1,salary_account,BHS,4,0,973.97,none,0,1,1,moderate_burden
Zambia,2018,rural,female,25,18-24,second,secondary,self_employed,1.2,1.2,1,savings,First National Bank,2,0,573.03,none,0,1,0,moderate_burden
Niger,2025,urban,female,45,35-44,lowest,none,employed_formal,1.0,2.1,1,savings,Ecobank,0,4,0.0,none,0,1,0,moderate_burden
Niger,2024,urban,male,53,45-54,lowest,tertiary,self_employed,1.1,2.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2024,rural,female,52,45-54,second,secondary,self_employed,43.2,5.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2025,urban,female,27,25-34,lowest,tertiary,student,4.3,1.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2024,urban,female,19,18-24,second,tertiary,self_employed,4.2,5.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2023,rural,female,63,55+,second,tertiary,employed_informal,6.4,8.4,1,current,Ecobank,0,11,0.0,none,0,0,0,moderate_burden
Kenya,2022,urban,female,21,18-24,middle,primary,employed_informal,5.6,2.1,1,savings,Stanbic,3,0,921.23,none,0,0,0,moderate_burden
Mozambique,2019,rural,female,30,25-34,middle,tertiary,employed_formal,26.8,5.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2019,urban,male,23,18-24,highest,primary,self_employed,2.8,2.4,1,fixed_deposit,GTBank,0,23,0.0,none,0,1,0,moderate_burden
Senegal,2019,rural,female,67,55+,lowest,primary,student,37.3,1.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2024,rural,male,32,25-34,middle,secondary,employed_formal,8.2,14.8,1,current,Ecobank,4,0,1317.88,none,1,0,0,moderate_burden
Kenya,2019,rural,female,72,55+,lowest,secondary,employed_formal,41.3,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2021,urban,female,49,45-54,second,none,unemployed,4.1,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2021,rural,male,71,55+,fourth,secondary,employed_formal,9.5,9.7,1,savings,Absa,0,13,0.0,none,0,1,0,moderate_burden
DRC,2019,rural,male,54,45-54,middle,tertiary,employed_informal,28.5,0.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2023,rural,female,61,55+,lowest,secondary,unemployed,81.6,8.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2021,urban,male,63,55+,fourth,none,unemployed,0.6,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2024,urban,male,19,18-24,lowest,tertiary,employed_informal,1.0,0.1,1,current,CBAO,0,20,0.0,none,0,1,1,moderate_burden
Senegal,2018,urban,female,61,55+,highest,secondary,self_employed,2.0,0.4,1,savings,Ecobank,0,23,0.0,none,0,1,0,moderate_burden
Rwanda,2019,rural,male,24,18-24,lowest,secondary,self_employed,3.1,1.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2021,rural,female,56,55+,lowest,tertiary,self_employed,9.8,9.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2020,rural,female,53,45-54,second,secondary,self_employed,24.6,9.1,1,savings,Orabank,1,0,540.76,none,0,0,0,moderate_burden
Rwanda,2022,urban,male,20,18-24,middle,tertiary,employed_informal,0.9,0.3,1,salary_account,Ecobank,4,0,378.87,none,0,1,1,moderate_burden
Malawi,2021,rural,male,36,35-44,second,secondary,employed_formal,0.4,14.1,1,current,FDH Bank,4,0,540.26,none,0,1,0,moderate_burden
Niger,2025,rural,male,56,55+,lowest,secondary,self_employed,11.1,0.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2022,rural,female,73,55+,highest,secondary,employed_informal,40.4,7.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2022,urban,male,40,35-44,fourth,secondary,self_employed,2.8,0.0,1,fixed_deposit,KCB,1,0,338.85,none,0,0,0,moderate_burden
South Africa,2021,urban,female,42,35-44,lowest,secondary,self_employed,1.6,0.5,1,savings,Nedbank,1,0,50.69,none,0,0,0,moderate_burden
Nigeria,2018,rural,female,27,25-34,lowest,secondary,employed_formal,17.2,1.0,1,current,GTBank,0,13,0.0,none,0,0,0,moderate_burden
South Africa,2022,urban,male,67,55+,fourth,primary,employed_informal,1.4,0.6,1,fixed_deposit,Capitec,0,22,0.0,none,0,1,0,moderate_burden
DRC,2019,urban,female,26,25-34,highest,tertiary,self_employed,2.3,0.7,1,current,FBNBank,4,0,5147.13,none,0,1,0,moderate_burden
Malawi,2019,rural,female,54,45-54,lowest,primary,employed_informal,17.6,9.9,1,fixed_deposit,National Bank,2,0,116.87,none,0,1,0,moderate_burden
DRC,2018,urban,female,68,55+,fourth,tertiary,employed_informal,0.2,0.7,1,current,BCDC,3,0,667.51,none,0,0,0,moderate_burden
Kenya,2019,urban,female,61,55+,lowest,secondary,student,2.8,2.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2020,rural,female,55,45-54,second,secondary,employed_formal,3.5,32.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2022,rural,male,60,55+,lowest,secondary,unemployed,34.6,11.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Tanzania,2021,rural,male,56,55+,highest,tertiary,unemployed,16.6,5.2,1,current,NBC,3,0,2840.54,none,1,0,0,moderate_burden
Rwanda,2019,rural,male,51,45-54,middle,secondary,employed_informal,14.0,1.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mozambique,2020,rural,female,19,18-24,highest,primary,employed_formal,3.1,1.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2019,rural,female,45,35-44,second,secondary,employed_informal,15.5,5.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2023,rural,female,24,18-24,second,primary,employed_formal,71.0,32.6,1,salary_account,Ecobank,1,0,67.14,none,0,1,0,moderate_burden
Mali,2021,urban,female,46,45-54,fourth,primary,self_employed,1.1,2.4,1,current,Coris Bank,0,19,0.0,none,0,0,0,moderate_burden
Tanzania,2019,rural,female,63,55+,lowest,primary,employed_formal,31.1,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2025,urban,female,52,45-54,lowest,primary,employed_informal,1.1,2.1,1,savings,Coris Bank,1,0,29.25,none,0,0,1,moderate_burden
DRC,2022,urban,male,52,45-54,highest,tertiary,unemployed,5.4,0.9,1,current,FBNBank,0,20,0.0,none,0,1,0,moderate_burden
DRC,2021,rural,female,51,45-54,highest,primary,self_employed,41.2,10.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2024,urban,female,29,25-34,highest,none,employed_formal,1.1,0.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2024,urban,female,49,45-54,fourth,tertiary,employed_formal,2.5,0.3,1,savings,Bank of Kigali,1,0,314.25,none,0,1,0,moderate_burden
Uganda,2021,rural,male,39,35-44,second,secondary,employed_formal,35.4,2.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2020,rural,male,73,55+,fourth,none,student,3.3,20.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2021,urban,female,20,18-24,lowest,primary,employed_formal,6.9,0.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2018,rural,female,35,25-34,second,secondary,employed_formal,12.4,11.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2025,rural,female,56,55+,highest,none,unemployed,12.9,12.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2021,rural,female,33,25-34,second,tertiary,employed_informal,28.8,25.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2021,urban,male,23,18-24,middle,none,employed_formal,7.0,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2021,urban,female,31,25-34,second,primary,student,1.3,0.3,1,salary_account,FDH Bank,2,0,323.63,none,0,0,1,moderate_burden
DRC,2022,rural,male,20,18-24,middle,secondary,employed_informal,15.1,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2024,rural,female,29,25-34,second,secondary,unemployed,59.3,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2025,rural,male,67,55+,lowest,secondary,self_employed,10.6,2.5,1,current,Equity Bank,1,0,225.37,none,0,0,0,moderate_burden
Malawi,2022,rural,male,66,55+,middle,secondary,self_employed,9.5,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2021,rural,male,32,25-34,middle,tertiary,unemployed,14.9,1.6,1,salary_account,Equity Bank,2,0,590.51,none,0,1,0,moderate_burden
Uganda,2021,rural,male,71,55+,middle,primary,employed_informal,8.5,1.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2021,urban,female,21,18-24,lowest,secondary,unemployed,5.3,0.3,1,savings,Absa,0,5,0.0,none,0,0,1,moderate_burden
Mozambique,2025,rural,male,66,55+,middle,primary,employed_informal,13.5,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2020,urban,female,37,35-44,fourth,primary,student,3.0,1.1,1,current,Awash Bank,0,8,0.0,none,0,1,1,moderate_burden
Nigeria,2025,urban,female,28,25-34,middle,primary,employed_informal,0.3,1.6,1,current,GTBank,0,17,0.0,none,0,0,1,moderate_burden
South Africa,2021,urban,male,51,45-54,middle,primary,student,0.4,2.3,1,current,Capitec,3,0,211.71,none,0,1,1,moderate_burden
Ethiopia,2019,urban,male,74,55+,fourth,tertiary,employed_informal,0.9,0.3,1,savings,Dashen Bank,2,0,765.64,none,0,0,0,moderate_burden
Malawi,2023,rural,female,39,35-44,middle,secondary,employed_formal,12.2,7.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2025,urban,female,32,25-34,fourth,tertiary,employed_informal,1.0,0.4,1,fixed_deposit,BDM,0,18,0.0,none,0,1,1,moderate_burden
Ghana,2018,rural,female,65,55+,second,secondary,self_employed,21.9,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2022,urban,female,64,55+,lowest,primary,employed_informal,0.5,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,rural,male,19,18-24,lowest,secondary,employed_formal,8.6,10.6,1,savings,Equity Bank,2,0,67.95,none,0,0,1,moderate_burden
Mali,2020,urban,male,23,18-24,middle,primary,employed_formal,0.2,0.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2019,rural,male,51,45-54,lowest,secondary,self_employed,1.5,8.4,1,current,Nedbank,3,0,166.03,none,0,0,0,moderate_burden
Niger,2025,urban,female,33,25-34,second,secondary,self_employed,1.5,0.8,1,current,Orabank,3,0,644.0,none,0,0,0,moderate_burden
Tanzania,2018,urban,female,25,18-24,fourth,primary,unemployed,6.0,1.4,1,current,CRDB,0,15,0.0,none,0,0,0,moderate_burden
Niger,2021,rural,male,36,35-44,fourth,primary,employed_formal,7.3,7.2,1,current,Orabank,1,0,488.77,none,0,0,0,moderate_burden
South Africa,2025,urban,female,42,35-44,fourth,secondary,employed_formal,1.4,2.7,1,savings,FNB,0,16,0.0,none,0,0,0,moderate_burden
Nigeria,2023,rural,female,70,55+,middle,none,unemployed,1.3,6.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2025,urban,male,49,45-54,second,none,self_employed,2.2,0.6,1,savings,Equity Bank,2,0,247.74,none,0,1,0,moderate_burden
Ethiopia,2025,rural,male,50,45-54,highest,secondary,employed_informal,6.4,1.4,1,fixed_deposit,Dashen Bank,2,0,963.53,none,0,0,0,moderate_burden
Tanzania,2019,urban,male,41,35-44,fourth,secondary,employed_formal,8.3,5.0,1,fixed_deposit,NBC,1,0,733.35,none,1,1,0,moderate_burden
Uganda,2019,urban,male,58,55+,second,secondary,unemployed,0.6,2.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2022,rural,female,63,55+,lowest,secondary,employed_informal,1.6,6.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2021,urban,male,21,18-24,lowest,tertiary,unemployed,3.0,0.4,1,savings,Capitec,2,0,349.65,none,0,1,0,moderate_burden
Senegal,2024,urban,female,61,55+,highest,secondary,unemployed,5.4,0.4,1,savings,BHS,2,0,2702.47,none,0,0,0,moderate_burden
Ethiopia,2019,rural,female,71,55+,middle,primary,self_employed,14.1,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2023,urban,female,66,55+,lowest,secondary,unemployed,7.5,2.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2021,rural,female,20,18-24,highest,secondary,student,3.0,18.6,1,current,Millennium BIM,1,0,2989.63,none,0,0,0,moderate_burden
Malawi,2020,rural,male,37,35-44,middle,secondary,self_employed,0.1,12.5,1,savings,NBS Bank,1,0,1135.8,none,0,0,0,moderate_burden
Nigeria,2025,rural,female,54,45-54,lowest,none,unemployed,14.3,13.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2025,rural,male,22,18-24,lowest,none,employed_formal,12.2,7.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2023,urban,male,71,55+,highest,secondary,self_employed,2.0,1.4,1,savings,Equity Bank,0,14,0.0,none,0,0,0,moderate_burden
Kenya,2020,urban,female,40,35-44,lowest,primary,employed_informal,2.7,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2023,urban,male,65,55+,second,primary,self_employed,2.4,1.6,1,savings,Orabank,0,1,0.0,none,0,0,1,moderate_burden
Zambia,2021,urban,female,29,25-34,lowest,tertiary,self_employed,0.5,0.1,1,savings,First National Bank,2,0,506.67,none,0,1,0,moderate_burden
Ghana,2025,rural,female,62,55+,fourth,none,unemployed,8.0,9.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,rural,male,65,55+,lowest,secondary,self_employed,4.5,24.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2018,urban,female,49,45-54,second,none,student,10.6,0.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2024,rural,female,48,45-54,lowest,primary,unemployed,14.8,2.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2022,rural,male,69,55+,fourth,secondary,employed_informal,24.0,1.5,1,fixed_deposit,Awash Bank,1,0,428.15,none,1,0,0,moderate_burden
Ethiopia,2023,rural,female,24,18-24,highest,primary,self_employed,18.8,1.5,1,salary_account,Dashen Bank,1,0,2869.54,none,0,0,0,moderate_burden
Malawi,2018,rural,male,47,45-54,lowest,none,student,1.7,7.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2022,rural,female,69,55+,fourth,tertiary,employed_informal,15.9,2.7,1,savings,Fidelity,0,1,0.0,none,0,1,0,moderate_burden
Niger,2018,rural,female,73,55+,fourth,secondary,unemployed,5.3,7.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2019,urban,female,64,55+,second,tertiary,self_employed,0.2,1.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2025,rural,male,53,45-54,second,tertiary,employed_informal,8.1,15.1,1,savings,Capitec,1,0,255.16,none,0,1,0,moderate_burden
Ghana,2022,urban,female,34,25-34,second,secondary,employed_informal,2.5,0.5,1,current,GCB,1,0,156.19,none,0,1,1,moderate_burden
Nigeria,2023,rural,female,47,45-54,middle,primary,employed_formal,4.3,13.1,1,savings,Access Bank,0,15,0.0,none,0,1,0,moderate_burden
South Africa,2025,rural,female,63,55+,middle,primary,employed_informal,11.1,9.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2018,rural,female,22,18-24,fourth,none,employed_informal,1.3,17.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2024,urban,male,36,35-44,middle,none,employed_informal,4.5,0.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mali,2022,urban,female,40,35-44,fourth,primary,employed_informal,0.0,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2025,urban,male,74,55+,middle,primary,student,5.9,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2021,urban,female,26,25-34,fourth,secondary,self_employed,1.4,0.7,1,current,Standard Bank,2,0,908.2,none,0,0,0,moderate_burden
South Africa,2019,rural,male,52,45-54,second,primary,self_employed,6.2,16.2,1,current,Absa,2,0,116.18,none,0,0,0,moderate_burden
Senegal,2022,rural,male,32,25-34,highest,tertiary,self_employed,6.3,11.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2025,urban,female,29,25-34,second,secondary,self_employed,3.1,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2023,rural,male,54,45-54,lowest,primary,self_employed,7.8,10.9,1,savings,Cooperative Bank,2,0,333.46,none,1,0,0,moderate_burden
Kenya,2018,urban,male,51,45-54,second,secondary,self_employed,0.0,0.0,1,current,Equity Bank,2,0,526.71,none,0,1,1,moderate_burden
Nigeria,2024,rural,female,74,55+,lowest,tertiary,employed_formal,2.3,2.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2018,urban,male,62,55+,lowest,secondary,unemployed,1.6,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2024,rural,female,26,25-34,fourth,primary,employed_formal,6.7,4.1,1,salary_account,Coris Bank,1,0,783.53,none,0,1,1,moderate_burden
DRC,2019,rural,male,66,55+,middle,none,employed_informal,6.3,2.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2025,rural,female,39,35-44,fourth,tertiary,student,6.0,26.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2024,urban,male,46,45-54,middle,secondary,self_employed,3.2,1.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2025,urban,male,67,55+,lowest,tertiary,employed_informal,13.4,0.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2025,urban,female,50,45-54,highest,primary,unemployed,0.0,0.0,1,current,Absa,1,0,1169.94,none,0,0,0,moderate_burden
DRC,2020,rural,male,37,35-44,lowest,primary,employed_informal,49.3,14.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2025,rural,male,74,55+,fourth,secondary,unemployed,0.9,0.2,1,current,Absa,2,0,409.5,none,0,1,0,moderate_burden
Kenya,2025,urban,female,52,45-54,lowest,secondary,employed_formal,2.7,0.7,1,current,KCB,4,0,463.19,none,0,1,1,moderate_burden
Nigeria,2022,rural,female,54,45-54,lowest,primary,employed_formal,23.9,14.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2019,urban,male,25,18-24,middle,secondary,employed_formal,5.0,2.1,1,savings,Millennium BIM,1,0,979.15,none,1,1,1,moderate_burden
Tanzania,2022,rural,male,23,18-24,second,secondary,student,9.3,28.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2024,urban,male,54,45-54,second,none,employed_formal,4.0,0.1,1,savings,Awash Bank,3,0,401.8,none,0,0,0,moderate_burden
Zambia,2019,urban,male,30,25-34,fourth,secondary,employed_formal,0.7,0.4,1,savings,Absa,2,0,843.05,none,0,0,0,moderate_burden
DRC,2022,urban,male,73,55+,lowest,none,student,1.0,0.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2023,urban,male,54,45-54,second,secondary,student,2.1,0.6,1,savings,BCDC,0,13,0.0,none,0,0,0,moderate_burden
Senegal,2021,rural,female,73,55+,fourth,primary,employed_informal,48.0,12.9,1,savings,Ecobank,1,0,1975.56,none,0,0,0,moderate_burden
Uganda,2023,rural,female,27,25-34,highest,secondary,employed_informal,17.5,9.3,1,salary_account,Centenary,3,0,1415.47,none,0,1,0,moderate_burden
Ghana,2021,urban,male,71,55+,lowest,primary,employed_informal,0.8,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,rural,female,36,35-44,middle,tertiary,employed_informal,5.2,10.3,1,fixed_deposit,Nedbank,1,0,275.5,none,0,1,0,moderate_burden
DRC,2022,rural,male,26,25-34,highest,primary,self_employed,34.3,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2021,rural,female,24,18-24,second,tertiary,employed_informal,17.4,3.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2023,rural,female,67,55+,middle,none,self_employed,11.7,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2020,rural,female,58,55+,fourth,secondary,unemployed,2.6,12.2,1,savings,BMCD,1,0,423.31,none,0,0,0,moderate_burden
Niger,2019,rural,female,20,18-24,second,secondary,unemployed,6.4,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2019,urban,female,71,55+,fourth,tertiary,employed_informal,1.5,0.3,1,savings,Absa,1,0,212.3,none,0,1,0,moderate_burden
Nigeria,2018,urban,male,20,18-24,second,secondary,self_employed,5.7,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2023,urban,female,20,18-24,highest,secondary,unemployed,3.9,2.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2024,rural,male,53,45-54,middle,primary,unemployed,4.7,1.8,1,savings,Zanaco,2,0,1654.82,none,1,0,0,moderate_burden
South Africa,2022,rural,female,38,35-44,highest,primary,self_employed,0.5,0.4,1,savings,FNB,1,0,423.79,none,1,0,1,moderate_burden
Malawi,2021,urban,female,32,25-34,second,secondary,employed_formal,2.1,2.7,1,savings,FDH Bank,2,0,738.82,none,0,0,0,moderate_burden
Senegal,2025,rural,female,21,18-24,lowest,secondary,employed_informal,7.6,8.5,1,fixed_deposit,Ecobank,1,0,378.4,none,0,0,1,moderate_burden
Kenya,2021,rural,female,33,25-34,second,secondary,self_employed,7.7,5.0,1,salary_account,Equity Bank,1,0,494.49,none,0,1,0,moderate_burden
Zambia,2020,urban,male,42,35-44,highest,primary,self_employed,0.3,2.1,1,savings,Stanbic,3,0,714.11,none,1,1,0,moderate_burden
South Africa,2018,urban,female,73,55+,second,none,student,1.8,0.5,1,savings,FNB,1,0,418.94,none,0,1,0,moderate_burden
South Africa,2020,urban,female,21,18-24,highest,none,unemployed,1.7,0.2,1,savings,Absa,2,0,3532.38,none,0,1,1,moderate_burden
Malawi,2018,rural,female,52,45-54,second,secondary,unemployed,20.6,15.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2023,rural,female,68,55+,middle,tertiary,self_employed,6.2,7.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2020,rural,female,70,55+,highest,secondary,student,2.8,7.6,1,salary_account,Fidelity,1,0,2017.27,none,0,1,0,moderate_burden
Tanzania,2018,rural,male,19,18-24,second,none,unemployed,23.3,0.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2019,urban,male,64,55+,middle,primary,employed_informal,2.4,3.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2023,urban,female,67,55+,middle,secondary,employed_informal,2.0,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2018,rural,male,54,45-54,middle,secondary,employed_informal,7.1,4.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2025,urban,female,28,25-34,highest,primary,unemployed,1.2,3.0,1,savings,BCDC,1,0,3189.16,none,1,1,0,moderate_burden
DRC,2022,rural,female,55,45-54,middle,secondary,self_employed,2.2,14.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2025,rural,male,62,55+,middle,tertiary,employed_informal,2.6,6.5,1,savings,Ecobank,2,0,670.86,none,0,0,0,moderate_burden
Ethiopia,2023,urban,male,60,55+,second,tertiary,employed_informal,0.6,3.0,1,fixed_deposit,Dashen Bank,0,15,0.0,none,0,1,1,moderate_burden
Kenya,2019,rural,male,41,35-44,lowest,secondary,self_employed,7.8,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2024,rural,male,48,45-54,middle,tertiary,employed_informal,18.7,1.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2019,rural,male,23,18-24,second,none,employed_formal,24.6,1.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2020,rural,male,23,18-24,highest,primary,student,0.1,14.4,1,savings,NBS Bank,2,0,1293.41,none,0,1,0,moderate_burden
Zambia,2023,urban,female,50,45-54,fourth,secondary,self_employed,0.8,3.9,1,savings,Zanaco,2,0,347.96,none,0,1,0,moderate_burden
Senegal,2022,rural,female,30,25-34,fourth,tertiary,self_employed,2.0,1.0,1,savings,Ecobank,1,0,639.17,none,0,0,0,moderate_burden
Uganda,2023,urban,male,38,35-44,lowest,none,student,1.5,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2020,urban,male,18,18-24,middle,none,student,4.2,0.0,1,savings,CBAO,0,8,0.0,none,0,0,1,moderate_burden
Ghana,2025,rural,female,32,25-34,lowest,primary,self_employed,43.7,8.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2023,rural,female,67,55+,fourth,secondary,unemployed,24.3,2.2,1,savings,Stanbic,2,0,270.37,none,0,1,0,moderate_burden
Tanzania,2025,rural,male,27,25-34,highest,primary,employed_formal,28.8,5.6,1,salary_account,Absa,1,0,4770.96,none,0,0,0,moderate_burden
Mozambique,2025,rural,male,65,55+,second,secondary,unemployed,16.6,6.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2023,rural,female,27,25-34,lowest,secondary,employed_informal,26.4,3.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2023,rural,male,65,55+,fourth,tertiary,employed_informal,18.0,7.1,1,savings,KCB,4,0,744.39,none,1,1,0,moderate_burden
South Africa,2022,urban,male,53,45-54,middle,none,student,3.6,0.5,1,salary_account,Standard Bank,2,0,382.78,none,0,1,0,moderate_burden
Mozambique,2021,urban,female,24,18-24,middle,tertiary,self_employed,0.1,6.9,1,savings,Moza Banco,2,0,1862.66,none,0,0,1,moderate_burden
Ethiopia,2024,urban,male,19,18-24,lowest,primary,self_employed,1.5,0.2,1,current,Awash Bank,3,0,199.22,none,0,0,1,moderate_burden
Tanzania,2023,rural,female,36,35-44,highest,primary,student,0.2,4.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2025,rural,female,21,18-24,fourth,primary,student,7.8,6.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2024,urban,female,35,25-34,highest,none,employed_formal,3.6,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2022,urban,female,45,35-44,fourth,tertiary,unemployed,0.4,1.7,1,salary_account,KCB,4,0,964.49,none,0,1,0,moderate_burden
Senegal,2022,rural,female,26,25-34,second,secondary,student,3.1,2.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,rural,male,63,55+,highest,secondary,self_employed,21.5,2.7,1,savings,Sonibank,0,15,0.0,none,1,1,0,moderate_burden
Rwanda,2024,rural,female,40,35-44,lowest,secondary,self_employed,5.2,5.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2024,urban,male,32,25-34,highest,secondary,self_employed,5.2,5.9,1,salary_account,BHS,0,11,0.0,none,0,1,0,moderate_burden
Uganda,2020,rural,male,72,55+,lowest,primary,self_employed,5.3,4.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2019,rural,female,57,55+,lowest,secondary,unemployed,19.0,27.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2024,urban,male,43,35-44,highest,primary,unemployed,1.2,2.1,1,savings,Standard Bank,1,0,1206.02,none,0,0,0,moderate_burden
Kenya,2022,urban,male,27,25-34,highest,tertiary,self_employed,3.1,8.8,1,current,Stanbic,1,0,3783.18,none,0,0,0,moderate_burden
Niger,2022,rural,female,18,18-24,fourth,secondary,student,2.8,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2019,rural,male,54,45-54,second,primary,unemployed,2.6,9.4,1,current,Ecobank,4,0,1425.22,none,1,0,1,moderate_burden
Ethiopia,2019,urban,female,46,45-54,lowest,none,employed_informal,1.5,3.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2023,rural,male,48,45-54,lowest,primary,employed_formal,42.2,14.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2025,rural,female,35,25-34,middle,primary,employed_informal,14.5,0.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Niger,2019,urban,female,74,55+,lowest,none,employed_formal,1.7,3.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2018,rural,male,65,55+,middle,secondary,employed_informal,39.9,1.5,1,savings,Zanaco,1,0,1253.46,none,0,1,0,moderate_burden
Rwanda,2022,rural,female,55,45-54,lowest,tertiary,unemployed,14.8,7.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2020,rural,male,56,55+,second,tertiary,student,4.7,5.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2025,rural,female,24,18-24,middle,tertiary,self_employed,6.2,1.1,1,salary_account,NMB,0,23,0.0,none,0,0,0,moderate_burden
Uganda,2021,urban,male,42,35-44,highest,secondary,unemployed,0.5,1.1,1,salary_account,Stanbic,0,6,0.0,none,0,0,0,moderate_burden
Zambia,2023,urban,male,25,18-24,lowest,primary,unemployed,0.7,0.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2018,urban,female,48,45-54,lowest,secondary,student,0.2,4.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2018,urban,male,34,25-34,fourth,secondary,self_employed,1.9,2.4,1,salary_account,BHS,1,0,1125.7,none,1,0,0,moderate_burden
Ghana,2023,rural,female,24,18-24,middle,primary,self_employed,3.7,3.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2019,rural,female,23,18-24,lowest,tertiary,unemployed,9.5,28.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2021,rural,female,65,55+,fourth,tertiary,unemployed,18.9,1.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2025,rural,male,61,55+,lowest,primary,employed_informal,0.3,31.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2021,rural,male,35,25-34,middle,secondary,self_employed,28.2,4.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2025,rural,male,35,25-34,middle,none,employed_formal,1.4,5.3,1,fixed_deposit,NCBA,1,0,396.29,none,0,1,0,moderate_burden
Malawi,2018,rural,male,36,35-44,lowest,primary,unemployed,9.9,4.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2022,rural,female,61,55+,middle,none,self_employed,14.2,0.2,1,salary_account,Ecobank,0,4,0.0,none,0,1,0,moderate_burden
Uganda,2024,rural,male,58,55+,fourth,primary,unemployed,1.9,6.6,1,savings,Centenary,1,0,2858.42,none,0,1,0,moderate_burden
Ghana,2020,rural,male,30,25-34,highest,primary,employed_informal,6.6,0.3,1,savings,Stanbic,0,4,0.0,none,0,0,1,moderate_burden
Mozambique,2023,rural,female,19,18-24,middle,secondary,employed_informal,13.0,6.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2023,rural,male,70,55+,fourth,none,self_employed,30.2,14.8,1,savings,FNB,3,0,437.66,none,0,0,1,moderate_burden
South Africa,2022,urban,female,74,55+,fourth,primary,employed_formal,12.5,1.0,1,savings,Nedbank,4,0,2342.36,none,1,0,0,moderate_burden
Mali,2018,urban,female,47,45-54,second,primary,self_employed,0.4,2.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2022,rural,male,21,18-24,middle,secondary,employed_informal,9.3,6.7,1,savings,Equity Bank,1,0,967.53,none,0,0,0,moderate_burden
Uganda,2023,rural,male,74,55+,highest,secondary,unemployed,13.5,7.0,1,savings,Centenary,2,0,5517.71,none,0,0,0,moderate_burden
Kenya,2020,urban,female,49,45-54,lowest,primary,employed_informal,0.4,0.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2022,rural,male,26,25-34,lowest,tertiary,student,3.9,27.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2021,rural,male,48,45-54,fourth,primary,self_employed,3.3,4.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2022,rural,male,56,55+,fourth,none,employed_informal,7.8,5.0,1,savings,Ecobank,3,0,952.78,none,1,1,0,moderate_burden
DRC,2023,urban,male,22,18-24,middle,secondary,employed_informal,0.1,1.0,1,salary_account,Equity BCDC,0,7,0.0,none,0,0,0,moderate_burden
Rwanda,2022,rural,male,50,45-54,middle,tertiary,unemployed,5.0,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2024,urban,male,40,35-44,lowest,secondary,self_employed,0.7,0.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2018,urban,female,53,45-54,middle,none,unemployed,1.3,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2023,rural,female,19,18-24,second,secondary,employed_informal,6.4,7.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2020,urban,male,67,55+,lowest,primary,self_employed,2.5,1.7,1,salary_account,Commercial Bank of Ethiopia,0,3,0.0,none,0,1,0,moderate_burden
Uganda,2024,rural,female,63,55+,middle,secondary,employed_informal,9.1,7.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2019,urban,male,48,45-54,second,primary,employed_formal,0.4,2.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2022,rural,male,45,35-44,highest,none,unemployed,1.3,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2019,rural,male,48,45-54,second,primary,employed_informal,40.0,23.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2022,urban,female,58,55+,fourth,none,self_employed,4.1,0.3,1,salary_account,NMB,1,0,1016.45,none,0,1,0,moderate_burden
Nigeria,2021,urban,female,19,18-24,fourth,secondary,unemployed,5.3,1.5,1,savings,Access Bank,0,4,0.0,none,1,0,0,moderate_burden
Kenya,2024,rural,male,46,45-54,middle,primary,student,36.4,0.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2021,rural,female,29,25-34,fourth,secondary,self_employed,3.9,18.7,1,savings,Centenary,1,0,1904.5,none,0,1,0,moderate_burden
Ghana,2019,rural,female,22,18-24,lowest,tertiary,unemployed,9.7,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2022,rural,female,66,55+,highest,secondary,self_employed,1.2,16.7,1,savings,Ecobank,0,22,0.0,none,0,0,0,moderate_burden
Zambia,2018,rural,male,73,55+,middle,secondary,employed_informal,0.6,5.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2022,rural,female,64,55+,fourth,primary,unemployed,2.0,3.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2025,rural,male,72,55+,highest,secondary,self_employed,15.1,9.3,1,savings,Standard Bank,2,0,1048.66,none,1,1,0,moderate_burden
Ghana,2024,rural,male,48,45-54,second,secondary,student,2.2,0.3,1,savings,Absa,1,0,242.13,none,0,1,0,moderate_burden
Zambia,2025,rural,male,53,45-54,second,primary,self_employed,5.9,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2020,urban,male,22,18-24,second,none,self_employed,4.5,0.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2018,urban,female,20,18-24,middle,tertiary,self_employed,0.1,1.9,1,current,GTBank,0,24,0.0,none,0,0,0,moderate_burden
Nigeria,2021,urban,male,66,55+,middle,secondary,employed_formal,0.2,1.0,1,savings,Access Bank,0,1,0.0,none,1,1,0,moderate_burden
Kenya,2025,urban,female,46,45-54,lowest,primary,student,4.9,2.8,1,fixed_deposit,Equity Bank,0,21,0.0,none,0,0,0,moderate_burden
Ghana,2025,rural,female,44,35-44,middle,none,self_employed,11.9,12.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2022,urban,male,36,35-44,lowest,primary,unemployed,2.7,0.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2022,rural,female,19,18-24,second,none,employed_informal,36.6,2.0,1,savings,Absa,4,0,746.25,none,0,0,0,moderate_burden
Ghana,2023,urban,female,28,25-34,second,secondary,employed_informal,4.6,0.2,1,current,Stanbic,2,0,448.77,none,0,1,1,moderate_burden
DRC,2023,urban,male,54,45-54,fourth,primary,employed_informal,0.9,0.7,1,savings,Equity BCDC,2,0,1101.37,none,0,0,0,moderate_burden
Mali,2020,urban,male,70,55+,lowest,primary,employed_informal,0.2,3.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2022,rural,female,73,55+,middle,primary,student,2.4,9.0,1,savings,Zenith Bank,4,0,505.64,none,0,1,1,moderate_burden
Tanzania,2019,urban,male,52,45-54,highest,secondary,self_employed,0.8,2.0,1,savings,Absa,1,0,2916.81,none,0,0,1,moderate_burden
Ethiopia,2023,rural,female,58,55+,fourth,primary,self_employed,16.6,0.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2021,urban,male,73,55+,second,primary,student,4.9,6.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2018,rural,female,57,55+,middle,primary,unemployed,11.3,4.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2020,rural,female,53,45-54,second,tertiary,student,8.0,3.6,1,savings,I&M Bank,3,0,374.07,none,0,1,0,moderate_burden
Senegal,2021,urban,male,32,25-34,fourth,primary,student,2.2,1.4,1,savings,Ecobank,0,24,0.0,none,0,0,1,moderate_burden
Nigeria,2020,urban,male,55,45-54,second,primary,self_employed,0.7,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2021,urban,male,35,25-34,middle,primary,employed_informal,1.1,0.1,1,savings,FBNBank,1,0,633.67,none,0,1,0,moderate_burden
DRC,2022,rural,female,72,55+,lowest,secondary,employed_informal,4.0,2.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2020,urban,female,20,18-24,middle,none,unemployed,5.6,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2023,rural,female,70,55+,fourth,primary,unemployed,1.2,2.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2019,rural,female,44,35-44,second,secondary,unemployed,5.1,26.1,1,savings,Equity Bank,3,0,348.85,none,1,1,0,moderate_burden
Rwanda,2022,rural,female,57,55+,lowest,secondary,unemployed,9.6,25.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2024,urban,female,69,55+,lowest,tertiary,unemployed,7.7,1.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2023,rural,male,54,45-54,lowest,secondary,unemployed,73.5,2.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2025,urban,male,42,35-44,middle,tertiary,self_employed,4.3,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2022,rural,male,70,55+,fourth,none,employed_informal,16.1,8.2,1,savings,Absa,3,0,239.76,none,0,1,0,moderate_burden
Malawi,2021,rural,male,25,18-24,fourth,none,unemployed,5.0,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2019,rural,male,61,55+,lowest,primary,employed_informal,3.4,21.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2019,rural,female,21,18-24,middle,primary,self_employed,4.4,7.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2024,urban,male,55,45-54,fourth,tertiary,unemployed,1.9,0.1,1,fixed_deposit,I&M Bank,3,0,175.47,none,1,0,0,moderate_burden
Nigeria,2023,rural,male,32,25-34,lowest,secondary,unemployed,7.4,19.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2019,rural,female,49,45-54,middle,secondary,employed_informal,19.5,9.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2025,rural,female,27,25-34,middle,primary,employed_formal,3.6,10.4,1,savings,Stanbic,3,0,316.27,none,0,0,0,moderate_burden
DRC,2020,rural,female,68,55+,second,primary,employed_formal,2.0,8.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2025,urban,male,26,25-34,lowest,primary,student,0.6,4.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2022,rural,male,49,45-54,lowest,secondary,student,44.3,22.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2023,rural,female,39,35-44,lowest,secondary,employed_informal,17.3,9.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2019,rural,male,63,55+,second,tertiary,employed_informal,6.0,15.8,1,savings,Ecobank,1,0,582.93,none,1,1,0,moderate_burden
Niger,2023,rural,female,68,55+,lowest,primary,unemployed,23.9,23.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2023,rural,male,22,18-24,middle,tertiary,employed_informal,0.6,6.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2022,rural,male,43,35-44,second,primary,student,4.0,0.2,1,savings,Stanbic,2,0,512.14,none,0,1,0,moderate_burden
DRC,2023,urban,female,46,45-54,fourth,primary,student,0.3,0.5,1,savings,FBNBank,1,0,649.47,none,0,1,0,moderate_burden
Mali,2022,rural,male,57,55+,lowest,secondary,unemployed,38.4,5.8,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2021,rural,male,36,35-44,fourth,secondary,employed_formal,16.7,9.8,1,current,Absa,4,0,791.0,none,1,0,0,moderate_burden
Niger,2025,rural,female,29,25-34,fourth,none,employed_informal,4.6,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2023,rural,female,39,35-44,fourth,secondary,student,18.0,8.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,rural,male,73,55+,middle,none,self_employed,3.5,0.0,1,current,BCI,4,0,1264.57,none,0,0,0,moderate_burden
Niger,2018,rural,male,59,55+,middle,secondary,student,8.9,17.5,1,savings,Ecobank,0,20,0.0,none,0,1,0,moderate_burden
Niger,2019,rural,male,69,55+,lowest,none,employed_informal,4.8,7.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2020,urban,female,29,25-34,fourth,secondary,employed_informal,3.2,0.6,1,savings,Orabank,0,5,0.0,none,0,1,0,moderate_burden
South Africa,2019,rural,female,74,55+,lowest,secondary,employed_formal,2.6,7.7,1,savings,Standard Bank,0,15,0.0,none,0,1,0,moderate_burden
Uganda,2022,urban,male,59,55+,fourth,none,self_employed,4.1,3.3,1,savings,Equity Bank,2,0,916.44,none,1,1,0,moderate_burden
DRC,2025,urban,male,38,35-44,second,primary,self_employed,1.1,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2019,rural,female,46,45-54,middle,none,self_employed,19.2,14.3,1,current,Stanbic,1,0,555.95,none,0,1,0,moderate_burden
Tanzania,2022,rural,male,24,18-24,middle,primary,self_employed,23.9,12.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2022,urban,female,74,55+,fourth,tertiary,self_employed,5.3,3.0,1,current,BAK,4,0,2037.87,none,0,0,0,moderate_burden
Ethiopia,2025,rural,male,33,25-34,second,none,employed_informal,24.9,5.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Tanzania,2025,urban,female,73,55+,fourth,primary,self_employed,3.3,3.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2022,rural,female,60,55+,second,secondary,employed_informal,29.9,7.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2025,rural,female,61,55+,middle,secondary,self_employed,2.9,10.5,1,savings,Awash Bank,2,0,602.06,none,0,1,1,moderate_burden
Zambia,2025,urban,female,71,55+,fourth,primary,self_employed,0.0,0.2,1,current,Absa,1,0,965.36,none,1,0,0,moderate_burden
Niger,2024,rural,female,58,55+,second,tertiary,unemployed,14.8,9.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2019,rural,male,42,35-44,fourth,secondary,student,1.1,3.4,1,savings,Absa,1,0,849.68,none,0,1,0,moderate_burden
Rwanda,2019,rural,male,72,55+,lowest,none,employed_informal,7.5,3.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2019,rural,female,42,35-44,second,none,unemployed,16.3,6.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2019,rural,female,72,55+,highest,secondary,self_employed,27.1,3.3,1,current,First National Bank,4,0,473.56,none,0,0,1,moderate_burden
Tanzania,2018,rural,male,67,55+,lowest,secondary,employed_informal,5.3,43.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2019,rural,female,44,35-44,lowest,tertiary,unemployed,9.2,4.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2025,rural,female,72,55+,middle,secondary,employed_formal,25.8,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2021,urban,male,59,55+,second,primary,employed_informal,2.7,1.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2018,urban,male,73,55+,middle,none,employed_informal,5.0,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2022,urban,male,72,55+,lowest,secondary,student,5.2,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,urban,male,58,55+,highest,primary,unemployed,5.6,0.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2024,urban,male,74,55+,second,secondary,self_employed,10.5,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2022,rural,male,28,25-34,middle,tertiary,self_employed,1.3,9.3,1,savings,Zenith Bank,0,8,0.0,none,0,1,0,moderate_burden
Nigeria,2022,rural,female,48,45-54,middle,secondary,student,8.7,18.9,1,savings,GTBank,2,0,415.78,none,0,1,0,moderate_burden
Ghana,2025,rural,female,71,55+,highest,none,employed_informal,45.5,23.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2022,urban,male,65,55+,lowest,secondary,employed_formal,1.1,0.7,1,salary_account,Equity Bank,0,9,0.0,none,0,1,0,moderate_burden
Tanzania,2025,rural,male,30,25-34,middle,secondary,self_employed,46.7,1.4,1,current,NMB,1,0,187.88,none,1,0,0,moderate_burden
Tanzania,2024,urban,female,24,18-24,fourth,secondary,unemployed,1.7,2.2,1,savings,NMB,1,0,891.18,none,0,0,1,moderate_burden
Niger,2018,rural,male,25,18-24,lowest,none,employed_informal,13.7,18.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2021,rural,male,44,35-44,middle,tertiary,student,29.3,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2024,rural,female,26,25-34,second,primary,employed_informal,14.5,3.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2023,rural,female,63,55+,middle,secondary,unemployed,12.0,6.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2022,rural,male,24,18-24,fourth,secondary,self_employed,22.9,10.7,1,fixed_deposit,Fidelity,0,5,0.0,none,0,1,0,moderate_burden
Mozambique,2022,rural,female,49,45-54,middle,none,employed_informal,49.7,5.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2025,urban,male,25,18-24,lowest,primary,employed_formal,1.3,3.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2022,rural,male,45,35-44,middle,secondary,student,7.1,9.5,1,savings,Equity Bank,0,21,0.0,none,0,1,1,moderate_burden
South Africa,2021,urban,female,29,25-34,middle,primary,self_employed,11.1,0.3,1,savings,Standard Bank,4,0,320.92,none,0,0,1,moderate_burden
Kenya,2021,urban,female,33,25-34,middle,primary,employed_informal,0.4,1.4,1,current,NCBA,0,19,0.0,none,1,0,0,moderate_burden
Ghana,2021,rural,female,73,55+,second,none,self_employed,23.8,4.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2024,rural,female,58,55+,middle,secondary,employed_formal,14.9,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2022,urban,female,49,45-54,second,primary,employed_formal,4.0,0.9,1,fixed_deposit,Standard Bank,3,0,842.85,none,0,0,1,moderate_burden
Mozambique,2024,rural,male,22,18-24,fourth,tertiary,self_employed,5.6,7.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2025,rural,male,49,45-54,middle,tertiary,student,0.1,0.2,1,savings,First Bank,3,0,685.25,none,0,1,0,moderate_burden
Kenya,2023,rural,male,28,25-34,second,tertiary,student,6.0,3.6,1,savings,Cooperative Bank,0,18,0.0,none,0,0,0,moderate_burden
Mozambique,2022,urban,male,37,35-44,highest,secondary,self_employed,0.0,2.3,1,savings,Moza Banco,2,0,571.94,none,1,0,1,moderate_burden
Rwanda,2020,rural,male,31,25-34,second,secondary,unemployed,0.4,7.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2023,rural,female,29,25-34,fourth,secondary,unemployed,11.3,1.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2024,urban,male,23,18-24,middle,primary,student,0.6,0.6,1,fixed_deposit,UBA,2,0,104.0,none,0,1,0,moderate_burden
Mozambique,2021,urban,female,44,35-44,middle,none,employed_formal,0.2,0.2,1,fixed_deposit,Moza Banco,1,0,647.27,none,1,0,0,moderate_burden
Niger,2024,urban,female,23,18-24,highest,primary,unemployed,1.4,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,rural,male,72,55+,second,none,self_employed,9.4,2.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2021,urban,female,41,35-44,lowest,none,employed_informal,2.0,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2020,rural,male,53,45-54,second,primary,employed_formal,0.8,22.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2020,rural,female,71,55+,second,secondary,employed_formal,13.6,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2021,rural,male,28,25-34,fourth,secondary,self_employed,11.4,6.9,1,savings,Zanaco,3,0,865.25,none,0,0,1,moderate_burden
Niger,2018,rural,male,64,55+,second,secondary,self_employed,4.3,5.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2021,urban,female,25,18-24,middle,secondary,self_employed,3.0,0.8,1,savings,Standard Bank,3,0,166.97,none,0,0,0,moderate_burden
Rwanda,2020,rural,male,49,45-54,middle,tertiary,employed_informal,45.3,6.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2025,urban,female,47,45-54,highest,secondary,employed_formal,0.1,2.9,1,savings,Dashen Bank,3,0,2921.26,none,0,0,1,moderate_burden
Malawi,2022,urban,female,33,25-34,highest,none,employed_formal,0.4,0.3,1,savings,FDH Bank,1,0,1427.36,none,0,1,1,moderate_burden
Kenya,2023,urban,female,63,55+,lowest,primary,self_employed,1.4,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2021,urban,male,24,18-24,highest,tertiary,employed_informal,6.9,0.5,1,savings,Sonibank,1,0,8686.91,none,1,0,0,moderate_burden
Nigeria,2024,rural,male,53,45-54,middle,secondary,employed_informal,4.8,8.5,1,savings,First Bank,1,0,195.69,none,0,1,0,moderate_burden
South Africa,2024,rural,male,67,55+,middle,primary,self_employed,79.7,2.1,1,savings,Capitec,4,0,316.93,none,0,0,1,moderate_burden
Mozambique,2018,urban,male,65,55+,lowest,secondary,employed_formal,0.5,0.6,1,salary_account,Moza Banco,2,0,135.72,none,0,0,0,moderate_burden
Niger,2025,urban,female,23,18-24,second,none,employed_informal,3.3,4.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2023,rural,male,52,45-54,lowest,tertiary,employed_informal,2.0,9.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2025,rural,female,44,35-44,middle,primary,employed_informal,4.7,21.5,1,savings,Ecobank,3,0,81.55,none,0,1,0,moderate_burden
Ethiopia,2025,urban,female,46,45-54,highest,secondary,unemployed,5.0,0.1,1,salary_account,Commercial Bank of Ethiopia,1,0,2699.27,none,0,0,1,moderate_burden
Ethiopia,2023,urban,female,45,35-44,lowest,tertiary,employed_informal,8.7,3.1,1,savings,Dashen Bank,2,0,539.8,none,0,0,1,moderate_burden
Tanzania,2019,urban,male,36,35-44,fourth,primary,employed_formal,10.1,0.6,1,savings,Absa,1,0,894.25,none,0,1,1,moderate_burden
Mali,2025,rural,female,50,45-54,middle,primary,employed_informal,17.6,2.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,rural,male,23,18-24,fourth,none,self_employed,4.9,11.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2021,urban,female,26,25-34,second,primary,employed_informal,3.9,8.5,1,salary_account,Capitec,3,0,668.25,none,0,1,0,moderate_burden
Ethiopia,2025,rural,female,65,55+,lowest,none,student,0.1,16.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2022,urban,male,69,55+,middle,secondary,self_employed,7.3,1.5,1,current,Stanbic,1,0,441.4,none,1,1,0,moderate_burden
Ghana,2025,urban,female,23,18-24,second,tertiary,self_employed,1.1,1.9,1,savings,Fidelity,2,0,84.1,none,0,0,0,moderate_burden
DRC,2023,urban,female,44,35-44,middle,primary,unemployed,6.2,1.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2023,rural,female,45,35-44,middle,none,employed_formal,10.2,11.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,rural,female,53,45-54,second,tertiary,unemployed,7.5,9.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2023,rural,male,54,45-54,middle,tertiary,employed_informal,8.5,6.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2023,rural,female,51,45-54,second,tertiary,employed_informal,68.8,18.8,1,current,UBA,0,7,0.0,none,0,1,0,moderate_burden
Zambia,2023,urban,female,20,18-24,highest,secondary,unemployed,3.3,0.4,1,savings,Absa,0,10,0.0,none,0,1,1,moderate_burden
Niger,2025,rural,male,39,35-44,second,secondary,employed_informal,4.6,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,rural,male,28,25-34,lowest,tertiary,employed_informal,17.1,18.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2021,rural,female,28,25-34,middle,primary,self_employed,11.6,1.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Zambia,2018,rural,female,56,55+,middle,secondary,employed_formal,4.5,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2019,rural,male,61,55+,second,secondary,self_employed,33.9,5.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Kenya,2019,urban,female,27,25-34,middle,secondary,self_employed,8.6,3.3,1,savings,Equity Bank,3,0,1831.78,none,0,0,0,moderate_burden
South Africa,2025,rural,male,51,45-54,fourth,none,unemployed,5.9,16.5,1,savings,Capitec,3,0,209.93,none,0,0,0,moderate_burden
Niger,2023,rural,female,19,18-24,middle,tertiary,employed_informal,5.9,0.6,1,savings,Sonibank,4,0,210.36,none,0,0,0,moderate_burden
Tanzania,2018,rural,female,65,55+,second,primary,self_employed,3.3,8.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2018,rural,male,54,45-54,fourth,primary,unemployed,2.2,8.9,1,current,Bank of Kigali,1,0,156.92,none,1,0,0,moderate_burden
Malawi,2018,urban,male,30,25-34,middle,secondary,self_employed,1.7,0.3,1,savings,National Bank,0,8,0.0,none,0,0,1,moderate_burden
Nigeria,2020,urban,female,66,55+,fourth,tertiary,student,0.7,0.1,1,savings,GTBank,2,0,593.82,none,0,1,0,moderate_burden
South Africa,2025,rural,male,30,25-34,lowest,tertiary,employed_formal,30.5,5.4,1,salary_account,Absa,2,0,628.17,none,0,1,0,moderate_burden
Ethiopia,2023,rural,female,21,18-24,fourth,primary,unemployed,66.3,10.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2022,rural,female,62,55+,lowest,primary,self_employed,8.8,9.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2024,urban,male,48,45-54,second,primary,unemployed,7.5,1.4,1,savings,Ecobank,3,0,504.65,none,0,0,1,moderate_burden
Malawi,2023,urban,female,47,45-54,fourth,primary,self_employed,6.1,0.7,1,savings,National Bank,4,0,1171.39,none,0,1,0,moderate_burden
Senegal,2025,urban,female,52,45-54,fourth,secondary,employed_formal,2.7,2.4,1,current,CBAO,2,0,152.88,none,0,0,0,moderate_burden
Mali,2021,rural,male,44,35-44,second,secondary,self_employed,0.9,1.9,1,current,BMCD,2,0,272.57,none,0,0,0,moderate_burden
South Africa,2021,urban,male,33,25-34,lowest,tertiary,unemployed,6.7,0.1,1,fixed_deposit,Standard Bank,1,0,420.7,none,0,1,0,moderate_burden
Mali,2018,urban,male,34,25-34,middle,primary,unemployed,4.1,3.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2018,urban,male,37,35-44,middle,primary,employed_informal,1.8,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2025,rural,female,41,35-44,second,secondary,unemployed,5.1,2.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ethiopia,2025,rural,male,33,25-34,second,secondary,employed_formal,6.0,3.9,1,current,Awash Bank,2,0,75.15,none,0,1,0,moderate_burden
Kenya,2022,rural,female,31,25-34,highest,primary,employed_informal,10.7,1.4,1,savings,NCBA,2,0,3989.36,none,0,1,0,moderate_burden
Rwanda,2025,urban,male,26,25-34,second,none,employed_informal,5.1,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2025,rural,male,47,45-54,highest,primary,self_employed,2.5,3.6,1,savings,NMB,0,6,0.0,none,0,1,0,moderate_burden
DRC,2025,rural,male,65,55+,lowest,primary,unemployed,28.5,4.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2025,rural,male,39,35-44,lowest,secondary,employed_informal,15.1,5.3,1,savings,Absa,0,7,0.0,none,1,1,0,moderate_burden
Malawi,2021,urban,female,53,45-54,lowest,primary,unemployed,0.9,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2020,rural,male,48,45-54,highest,primary,employed_informal,33.6,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2024,urban,male,34,25-34,lowest,tertiary,unemployed,2.4,1.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2024,rural,female,73,55+,middle,secondary,student,7.0,6.6,1,savings,GCB,1,0,123.15,none,1,1,0,moderate_burden
Zambia,2022,rural,male,60,55+,fourth,secondary,unemployed,6.4,1.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2021,rural,male,62,55+,highest,none,self_employed,3.4,9.8,1,current,Awash Bank,1,0,1072.69,none,1,0,0,moderate_burden
Mozambique,2022,rural,male,19,18-24,fourth,primary,student,20.2,1.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2019,rural,female,57,55+,middle,secondary,employed_informal,9.5,3.6,1,salary_account,GTBank,1,0,370.9,none,0,1,0,moderate_burden
Kenya,2020,urban,female,42,35-44,fourth,secondary,employed_formal,1.6,1.0,1,current,NCBA,0,1,0.0,none,0,0,0,moderate_burden
Senegal,2022,rural,female,20,18-24,highest,primary,unemployed,6.3,3.2,1,savings,Ecobank,2,0,3591.62,none,0,0,0,moderate_burden
Mali,2019,rural,female,39,35-44,lowest,secondary,student,11.1,14.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2025,rural,female,43,35-44,highest,primary,self_employed,4.9,9.6,1,savings,BAK,0,16,0.0,none,0,1,0,moderate_burden
Ethiopia,2025,urban,male,53,45-54,highest,primary,self_employed,0.1,0.5,1,savings,Commercial Bank of Ethiopia,1,0,1899.43,none,0,1,0,moderate_burden
Uganda,2025,urban,female,44,35-44,second,secondary,unemployed,1.4,0.8,1,current,DFCU,2,0,896.72,none,0,1,0,moderate_burden
Uganda,2024,rural,female,21,18-24,second,primary,employed_informal,7.2,28.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2023,rural,male,22,18-24,second,none,unemployed,7.7,4.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2020,urban,female,56,55+,highest,none,unemployed,6.0,2.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Senegal,2019,rural,female,72,55+,highest,primary,employed_formal,22.2,14.9,1,salary_account,BHS,4,0,2551.37,none,0,1,0,moderate_burden
Ghana,2025,urban,female,38,35-44,middle,primary,unemployed,6.1,0.1,1,savings,Ecobank,3,0,756.36,none,0,1,0,moderate_burden
South Africa,2022,rural,female,24,18-24,highest,none,unemployed,7.7,12.4,1,savings,Capitec,1,0,2048.76,none,0,0,0,moderate_burden
South Africa,2020,rural,female,51,45-54,second,primary,self_employed,1.7,2.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2020,rural,male,24,18-24,second,primary,self_employed,4.1,12.5,1,savings,GCB,1,0,239.31,none,0,1,0,moderate_burden
Mozambique,2023,rural,female,29,25-34,fourth,secondary,self_employed,2.0,12.4,1,savings,Millennium BIM,3,0,782.16,none,0,0,0,moderate_burden
South Africa,2018,urban,female,25,18-24,fourth,secondary,unemployed,0.8,0.7,1,current,Nedbank,2,0,1859.07,none,0,0,0,moderate_burden
Malawi,2023,urban,female,69,55+,middle,secondary,student,3.4,0.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2023,urban,male,58,55+,fourth,tertiary,self_employed,6.8,0.1,1,savings,FDH Bank,4,0,794.21,none,1,0,0,moderate_burden
Kenya,2018,urban,female,56,55+,lowest,primary,employed_formal,0.3,4.3,1,savings,Cooperative Bank,4,0,518.61,none,0,1,0,moderate_burden
Ghana,2024,rural,female,23,18-24,lowest,tertiary,unemployed,19.5,0.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2025,rural,male,38,35-44,fourth,primary,unemployed,10.2,13.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2024,rural,female,48,45-54,lowest,secondary,self_employed,1.2,11.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2025,rural,male,62,55+,fourth,primary,employed_formal,14.6,1.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mali,2021,rural,female,46,45-54,fourth,primary,employed_formal,2.9,5.2,1,savings,Coris Bank,2,0,276.84,none,0,0,0,moderate_burden
Rwanda,2020,rural,female,19,18-24,second,secondary,self_employed,17.2,8.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2019,urban,female,26,25-34,middle,none,employed_formal,0.0,0.9,1,fixed_deposit,Awash Bank,1,0,516.47,none,0,0,1,moderate_burden
DRC,2019,rural,male,49,45-54,fourth,tertiary,employed_formal,3.4,0.7,1,savings,Rawbank,0,10,0.0,none,0,0,0,moderate_burden
Ethiopia,2025,urban,female,47,45-54,middle,primary,self_employed,1.2,0.4,1,savings,Commercial Bank of Ethiopia,1,0,394.55,none,1,0,1,moderate_burden
Uganda,2024,urban,male,48,45-54,lowest,primary,student,3.0,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2023,urban,female,56,55+,second,primary,student,0.2,0.0,1,current,Ecobank,1,0,419.97,none,0,0,0,moderate_burden
Uganda,2023,rural,female,34,25-34,middle,secondary,employed_informal,19.4,14.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Kenya,2024,urban,male,21,18-24,middle,tertiary,employed_informal,3.4,1.4,1,savings,Stanbic,2,0,538.17,none,0,1,0,moderate_burden
Ethiopia,2022,rural,female,71,55+,middle,primary,unemployed,35.3,21.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2023,urban,female,22,18-24,lowest,secondary,employed_informal,2.2,0.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2019,rural,female,67,55+,lowest,none,employed_informal,27.3,5.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2024,urban,female,30,25-34,highest,primary,unemployed,2.6,3.9,1,current,Equity BCDC,1,0,1374.39,none,0,1,1,moderate_burden
DRC,2020,urban,female,31,25-34,lowest,secondary,unemployed,9.7,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,urban,female,22,18-24,lowest,primary,self_employed,5.8,11.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2019,rural,female,68,55+,fourth,primary,self_employed,7.5,8.9,1,savings,Capitec,1,0,671.54,none,0,0,0,moderate_burden
Senegal,2020,urban,male,28,25-34,fourth,primary,employed_formal,1.8,0.1,1,savings,Ecobank,0,18,0.0,none,0,0,1,moderate_burden
Ghana,2023,urban,male,33,25-34,middle,none,employed_informal,3.5,2.0,1,current,Ecobank,0,2,0.0,none,0,0,0,moderate_burden
Kenya,2021,urban,female,51,45-54,highest,primary,self_employed,2.3,0.2,1,savings,KCB,0,6,0.0,none,1,0,0,moderate_burden
Mozambique,2024,urban,female,35,25-34,fourth,secondary,unemployed,7.6,0.8,1,current,Moza Banco,1,0,800.56,none,0,0,1,moderate_burden
Kenya,2020,rural,male,44,35-44,second,primary,employed_informal,90.4,8.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2018,rural,male,54,45-54,second,none,student,7.1,6.9,1,salary_account,BAK,1,0,280.74,none,0,1,0,moderate_burden
Uganda,2020,rural,male,70,55+,lowest,primary,employed_informal,17.5,10.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2020,rural,female,28,25-34,lowest,secondary,employed_informal,3.4,7.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2025,rural,male,59,55+,middle,primary,employed_informal,3.6,11.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2021,rural,female,71,55+,lowest,secondary,unemployed,21.9,10.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2024,urban,female,18,18-24,second,none,unemployed,1.4,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2019,urban,male,25,18-24,fourth,secondary,employed_informal,4.9,2.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2020,rural,male,55,45-54,fourth,tertiary,employed_informal,5.2,0.6,1,savings,Centenary,1,0,1017.07,none,0,0,0,moderate_burden
Senegal,2023,urban,female,37,35-44,fourth,secondary,employed_formal,0.7,0.4,1,savings,Ecobank,0,6,0.0,none,0,0,1,moderate_burden
Uganda,2019,rural,female,46,45-54,second,primary,self_employed,18.7,1.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2021,rural,female,52,45-54,second,primary,unemployed,3.3,7.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2020,urban,male,44,35-44,second,primary,employed_informal,3.6,0.4,1,savings,Société Générale,1,0,719.58,none,0,1,0,moderate_burden
Ghana,2024,rural,male,51,45-54,middle,primary,self_employed,2.2,3.0,1,current,Ecobank,1,0,2286.69,none,0,0,0,moderate_burden
Uganda,2020,rural,female,53,45-54,fourth,secondary,employed_informal,30.9,15.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2025,rural,female,40,35-44,lowest,tertiary,employed_informal,0.5,18.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2023,rural,female,55,45-54,second,primary,employed_formal,2.7,21.4,1,savings,Standard Bank,1,0,363.34,none,0,1,1,moderate_burden
South Africa,2021,rural,male,42,35-44,middle,secondary,unemployed,1.5,9.1,1,fixed_deposit,Capitec,4,0,612.6,none,1,0,0,moderate_burden
Malawi,2020,rural,female,45,35-44,lowest,secondary,self_employed,12.9,10.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2018,urban,female,43,35-44,highest,primary,employed_informal,1.7,0.9,1,savings,Ecobank,1,0,1649.72,none,0,1,0,moderate_burden
Tanzania,2023,urban,male,20,18-24,lowest,secondary,self_employed,3.5,2.3,1,savings,NMB,0,14,0.0,none,0,1,1,moderate_burden
Tanzania,2025,urban,male,26,25-34,fourth,secondary,unemployed,0.4,3.0,1,salary_account,CRDB,4,0,775.77,none,0,0,0,moderate_burden
Niger,2020,urban,female,58,55+,second,none,self_employed,6.7,0.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2020,rural,male,36,35-44,fourth,secondary,employed_informal,15.4,2.2,1,savings,I&M Bank,4,0,5850.03,none,1,0,0,moderate_burden
Uganda,2020,rural,female,55,45-54,highest,tertiary,employed_informal,6.8,10.7,1,current,Equity Bank,2,0,527.66,none,0,1,0,moderate_burden
Mozambique,2025,rural,male,52,45-54,second,secondary,employed_informal,25.6,3.7,1,current,Standard Bank,3,0,105.8,none,0,1,0,moderate_burden
Uganda,2024,urban,female,40,35-44,middle,none,employed_formal,2.5,1.6,1,salary_account,Centenary,4,0,3903.68,none,1,1,0,moderate_burden
Mozambique,2023,rural,male,65,55+,middle,secondary,self_employed,0.2,10.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2025,urban,male,46,45-54,second,primary,unemployed,1.0,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2023,urban,male,72,55+,highest,tertiary,employed_informal,0.2,3.2,1,savings,BCI,0,2,0.0,none,0,1,0,moderate_burden
Ethiopia,2020,rural,female,45,35-44,lowest,tertiary,employed_formal,0.6,51.0,1,salary_account,Commercial Bank of Ethiopia,1,0,345.02,none,0,1,1,moderate_burden
Malawi,2025,rural,male,43,35-44,second,tertiary,self_employed,16.1,6.3,1,current,NBS Bank,0,24,0.0,none,0,0,0,moderate_burden
Mozambique,2022,rural,male,25,18-24,second,tertiary,unemployed,1.4,4.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,rural,female,23,18-24,middle,tertiary,employed_informal,8.6,3.5,1,savings,Standard Bank,3,0,282.43,none,0,0,0,moderate_burden
Kenya,2022,urban,male,56,55+,second,tertiary,employed_informal,4.8,0.3,1,current,Stanbic,1,0,882.66,none,0,0,0,moderate_burden
Rwanda,2023,urban,male,56,55+,highest,none,unemployed,1.1,0.3,1,savings,Bank of Kigali,0,18,0.0,none,0,1,0,moderate_burden
Mali,2023,rural,female,21,18-24,second,secondary,employed_formal,8.9,11.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2023,urban,female,56,55+,second,secondary,employed_informal,2.7,0.6,1,current,Equity Bank,3,0,392.89,none,0,0,0,moderate_burden
Ghana,2025,urban,female,27,25-34,middle,primary,employed_informal,3.6,0.4,1,fixed_deposit,Absa,3,0,477.43,none,0,0,0,moderate_burden
Ghana,2020,rural,female,37,35-44,second,secondary,unemployed,12.8,3.0,1,savings,Stanbic,3,0,422.87,none,0,0,0,moderate_burden
Niger,2020,rural,female,53,45-54,middle,secondary,employed_informal,2.6,5.0,1,savings,Orabank,4,0,115.72,none,0,1,0,moderate_burden
Uganda,2025,urban,male,24,18-24,highest,secondary,self_employed,4.2,0.2,1,current,Stanbic,2,0,1370.92,none,0,1,1,moderate_burden
Rwanda,2024,rural,male,38,35-44,highest,secondary,unemployed,3.2,0.2,1,current,Bank of Kigali,2,0,3679.27,none,0,0,0,moderate_burden
Zambia,2018,rural,female,67,55+,lowest,none,employed_informal,9.8,5.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2023,urban,female,40,35-44,middle,tertiary,unemployed,2.8,0.4,1,current,FNB,2,0,192.89,none,1,0,1,moderate_burden
Nigeria,2019,rural,female,44,35-44,middle,primary,self_employed,26.0,19.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2023,rural,male,67,55+,lowest,primary,self_employed,0.5,2.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2021,rural,female,35,25-34,second,primary,employed_informal,12.8,3.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2021,urban,female,70,55+,fourth,secondary,employed_informal,0.2,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2023,rural,male,29,25-34,lowest,primary,self_employed,4.8,3.4,1,salary_account,UBA,0,2,0.0,none,1,1,0,moderate_burden
Zambia,2025,rural,female,25,18-24,second,none,self_employed,22.5,23.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2021,urban,male,54,45-54,fourth,secondary,self_employed,1.1,0.0,1,savings,Stanbic,0,18,0.0,none,0,1,0,moderate_burden
Ethiopia,2023,rural,male,44,35-44,fourth,primary,employed_informal,3.8,30.6,1,savings,Dashen Bank,3,0,925.78,none,0,1,0,moderate_burden
Ghana,2024,rural,female,19,18-24,fourth,secondary,employed_formal,0.8,9.0,1,current,GCB,4,0,1231.89,none,0,1,0,moderate_burden
Nigeria,2025,urban,male,21,18-24,second,tertiary,unemployed,0.4,0.7,1,savings,UBA,2,0,801.31,none,0,0,0,moderate_burden
Niger,2023,rural,female,27,25-34,second,none,self_employed,37.7,1.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2024,rural,female,23,18-24,second,secondary,employed_informal,20.0,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2018,urban,male,55,45-54,second,secondary,self_employed,5.2,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2025,rural,female,23,18-24,second,tertiary,unemployed,5.8,9.3,1,current,Equity BCDC,1,0,211.05,none,0,0,0,moderate_burden
Zambia,2018,rural,female,56,55+,highest,primary,self_employed,28.1,11.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2020,urban,male,67,55+,highest,primary,unemployed,2.0,2.5,1,salary_account,Standard Bank,2,0,151.91,none,0,1,1,moderate_burden
Tanzania,2022,rural,female,31,25-34,highest,tertiary,unemployed,16.6,0.8,1,savings,Stanbic,4,0,661.06,none,0,0,0,moderate_burden
Zambia,2022,urban,female,40,35-44,middle,primary,unemployed,0.4,0.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2023,rural,male,43,35-44,lowest,primary,employed_informal,8.7,6.8,1,current,Absa,1,0,72.66,none,0,1,0,moderate_burden
Zambia,2024,rural,female,35,25-34,second,tertiary,self_employed,18.9,9.1,1,savings,Absa,1,0,114.26,none,1,1,0,moderate_burden
Mali,2024,rural,female,33,25-34,second,secondary,employed_informal,34.3,15.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2022,urban,female,32,25-34,lowest,tertiary,employed_formal,1.9,0.7,1,salary_account,GTBank,1,0,119.58,none,0,0,0,moderate_burden
Senegal,2019,rural,female,42,35-44,middle,primary,self_employed,0.4,8.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2022,urban,female,44,35-44,highest,primary,unemployed,5.3,0.0,1,salary_account,Centenary,1,0,239.02,none,1,0,1,moderate_burden
Tanzania,2019,urban,male,39,35-44,lowest,none,self_employed,2.0,0.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2020,rural,male,60,55+,second,primary,self_employed,30.8,18.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2021,rural,female,49,45-54,lowest,primary,employed_informal,11.1,29.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2021,rural,female,51,45-54,highest,secondary,self_employed,8.6,44.8,1,salary_account,Zenith Bank,2,0,6929.73,none,0,0,0,moderate_burden
Nigeria,2022,rural,male,53,45-54,middle,tertiary,employed_informal,18.5,2.8,1,savings,UBA,0,8,0.0,none,0,1,1,moderate_burden
Mozambique,2024,rural,female,30,25-34,highest,none,unemployed,7.7,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2021,urban,male,24,18-24,fourth,tertiary,student,1.0,1.6,1,current,NBC,2,0,602.38,none,0,0,0,moderate_burden
Niger,2018,rural,male,70,55+,highest,none,employed_informal,36.8,1.8,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Tanzania,2021,rural,female,21,18-24,middle,none,unemployed,33.1,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2023,urban,female,34,25-34,highest,primary,unemployed,7.8,2.1,1,current,Sonibank,1,0,1696.05,none,0,1,1,moderate_burden
Zambia,2024,urban,female,45,35-44,second,tertiary,self_employed,0.1,0.4,1,current,Stanbic,2,0,163.45,none,0,0,0,moderate_burden
Nigeria,2024,urban,female,54,45-54,fourth,primary,unemployed,3.8,0.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2024,rural,male,56,55+,lowest,none,employed_informal,1.7,2.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2020,urban,male,41,35-44,middle,secondary,self_employed,1.7,1.4,1,current,GCB,1,0,2403.64,none,1,0,0,moderate_burden
South Africa,2018,urban,male,36,35-44,lowest,tertiary,employed_informal,0.9,0.7,1,savings,Standard Bank,1,0,126.61,none,0,0,1,moderate_burden
Malawi,2020,urban,male,34,25-34,highest,secondary,self_employed,2.1,1.1,1,savings,NBS Bank,1,0,5773.82,none,0,0,0,moderate_burden
Mali,2018,rural,male,57,55+,second,none,unemployed,1.4,2.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2020,rural,female,21,18-24,second,primary,student,0.1,2.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Malawi,2021,urban,male,65,55+,lowest,none,employed_formal,1.8,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2024,rural,male,43,35-44,fourth,none,unemployed,0.1,3.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Nigeria,2024,rural,male,46,45-54,highest,secondary,unemployed,7.6,8.5,1,fixed_deposit,Access Bank,0,17,0.0,none,0,1,0,moderate_burden
Malawi,2020,urban,male,27,25-34,highest,tertiary,employed_informal,2.0,2.9,1,savings,Standard Bank,4,0,1837.46,none,0,1,0,moderate_burden
Mali,2018,rural,male,25,18-24,middle,none,unemployed,9.1,12.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2019,rural,female,36,35-44,fourth,primary,self_employed,19.2,31.4,1,current,Rawbank,0,15,0.0,none,0,0,0,moderate_burden
Kenya,2023,urban,female,39,35-44,second,none,student,9.7,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2022,rural,male,63,55+,fourth,primary,employed_formal,3.8,7.3,1,current,Stanbic,1,0,770.83,none,0,1,0,moderate_burden
Kenya,2023,rural,female,51,45-54,highest,primary,self_employed,19.3,1.3,1,current,Cooperative Bank,3,0,712.07,none,0,0,0,moderate_burden
Malawi,2024,rural,male,27,25-34,middle,secondary,self_employed,2.7,1.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2023,rural,female,73,55+,lowest,secondary,employed_informal,1.6,4.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2022,rural,male,23,18-24,fourth,secondary,employed_informal,9.1,15.5,1,savings,BCDC,1,0,1634.77,none,0,0,0,moderate_burden
Rwanda,2024,urban,female,49,45-54,lowest,none,employed_informal,5.7,0.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2022,rural,male,59,55+,middle,none,employed_formal,19.2,21.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2019,urban,male,63,55+,fourth,secondary,employed_informal,0.3,2.7,1,savings,Ecobank,0,19,0.0,none,0,0,0,moderate_burden
Ghana,2025,rural,female,46,45-54,second,secondary,employed_informal,48.3,2.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2024,rural,male,58,55+,middle,secondary,student,18.7,3.0,1,salary_account,CBAO,1,0,227.21,none,0,0,0,moderate_burden
Rwanda,2024,rural,male,46,45-54,second,none,self_employed,34.9,16.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2023,rural,male,31,25-34,second,secondary,self_employed,6.7,11.0,1,fixed_deposit,Stanbic,0,8,0.0,none,0,0,0,moderate_burden
Uganda,2023,rural,male,40,35-44,lowest,tertiary,unemployed,8.6,8.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2025,urban,female,64,55+,lowest,primary,self_employed,0.2,3.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2019,rural,male,70,55+,fourth,secondary,employed_informal,23.7,8.8,1,current,Equity Bank,1,0,409.03,none,0,1,0,moderate_burden
Ghana,2019,rural,female,55,45-54,lowest,secondary,self_employed,2.7,0.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2024,urban,male,43,35-44,second,secondary,employed_formal,0.6,0.8,1,current,FDH Bank,4,0,196.32,none,0,1,1,moderate_burden
Zambia,2022,rural,female,30,25-34,lowest,primary,employed_formal,36.9,6.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2023,urban,male,38,35-44,highest,primary,unemployed,7.1,1.0,1,savings,BMCD,1,0,1135.06,none,0,1,0,moderate_burden
DRC,2021,urban,male,68,55+,highest,primary,employed_informal,1.4,3.4,1,savings,Equity BCDC,1,0,6884.81,none,1,0,0,moderate_burden
Ethiopia,2024,rural,male,33,25-34,second,primary,employed_informal,28.2,1.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2021,urban,male,58,55+,fourth,secondary,employed_informal,0.0,2.2,1,savings,Absa,1,0,421.18,none,0,1,0,moderate_burden
DRC,2024,urban,male,24,18-24,second,secondary,employed_formal,0.7,3.1,1,savings,FBNBank,4,0,197.55,none,0,1,0,moderate_burden
Malawi,2025,urban,female,74,55+,middle,secondary,student,1.3,1.8,1,current,National Bank,2,0,213.98,none,0,1,1,moderate_burden
Nigeria,2022,rural,female,71,55+,middle,none,self_employed,7.2,0.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2019,urban,male,60,55+,lowest,tertiary,employed_informal,2.9,1.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2024,urban,female,18,18-24,second,primary,self_employed,0.2,3.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2025,urban,male,39,35-44,second,secondary,student,0.1,0.3,1,savings,BCI,1,0,479.08,none,0,1,1,moderate_burden
Malawi,2021,rural,female,18,18-24,middle,primary,unemployed,20.7,16.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2019,rural,female,26,25-34,second,primary,employed_formal,117.6,0.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2020,rural,male,24,18-24,second,secondary,student,25.9,7.2,1,savings,Standard Bank,0,9,0.0,none,0,1,0,moderate_burden
Uganda,2019,rural,female,55,45-54,second,none,employed_informal,17.2,30.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2023,rural,female,32,25-34,second,secondary,employed_formal,32.9,2.1,1,savings,Standard Bank,4,0,174.98,none,0,1,0,moderate_burden
Tanzania,2022,urban,male,29,25-34,middle,none,employed_informal,3.4,0.0,1,fixed_deposit,CRDB,0,14,0.0,none,0,0,0,moderate_burden
Zambia,2022,rural,female,59,55+,lowest,tertiary,employed_informal,10.6,6.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2021,urban,female,27,25-34,middle,secondary,self_employed,0.0,0.6,1,current,I&M Bank,1,0,381.3,none,0,1,1,moderate_burden
DRC,2021,rural,female,31,25-34,highest,primary,unemployed,2.6,9.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2024,urban,male,25,18-24,highest,none,self_employed,0.2,1.2,1,savings,Moza Banco,0,21,0.0,none,0,1,0,moderate_burden
Mozambique,2019,rural,female,31,25-34,middle,none,self_employed,35.5,6.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2022,rural,female,62,55+,fourth,secondary,employed_informal,12.2,4.7,1,savings,NBC,0,1,0.0,none,0,0,0,moderate_burden
Malawi,2024,urban,female,46,45-54,middle,secondary,self_employed,11.7,1.1,1,savings,FDH Bank,2,0,5286.88,none,0,1,0,moderate_burden
Zambia,2025,rural,male,30,25-34,second,secondary,unemployed,4.5,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2022,urban,female,48,45-54,second,secondary,self_employed,1.1,0.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2021,urban,female,51,45-54,middle,tertiary,student,1.8,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2021,rural,male,36,35-44,lowest,tertiary,employed_informal,15.5,3.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2024,rural,male,41,35-44,highest,none,self_employed,8.0,10.9,1,salary_account,Stanbic,0,11,0.0,none,0,0,1,moderate_burden
Tanzania,2019,rural,male,63,55+,middle,secondary,employed_formal,16.0,8.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2024,rural,male,74,55+,lowest,tertiary,employed_formal,40.4,4.8,1,current,Fidelity,0,24,0.0,none,0,0,0,moderate_burden
Uganda,2023,rural,male,26,25-34,highest,primary,employed_formal,2.6,11.7,1,savings,KCB,0,6,0.0,none,0,0,0,moderate_burden
Nigeria,2021,urban,female,47,45-54,fourth,secondary,self_employed,7.3,2.0,1,savings,GTBank,2,0,2389.25,none,1,1,0,moderate_burden
Nigeria,2022,rural,female,36,35-44,second,none,self_employed,3.6,11.7,1,current,First Bank,2,0,428.83,none,0,1,0,moderate_burden
Ethiopia,2024,urban,female,34,25-34,second,primary,employed_informal,1.9,0.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2018,urban,male,65,55+,middle,secondary,student,0.6,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2023,rural,male,61,55+,second,secondary,employed_informal,1.9,10.8,1,current,Access Bank,1,0,118.62,none,1,1,0,moderate_burden
Mali,2019,rural,male,47,45-54,second,primary,employed_informal,21.9,19.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ethiopia,2018,urban,male,18,18-24,lowest,primary,employed_informal,2.3,1.4,1,fixed_deposit,Commercial Bank of Ethiopia,1,0,106.81,none,0,1,0,moderate_burden
Uganda,2022,rural,female,28,25-34,middle,none,employed_formal,7.5,9.5,1,fixed_deposit,KCB,1,0,151.08,none,0,0,0,moderate_burden
Malawi,2022,urban,male,34,25-34,middle,primary,unemployed,2.5,1.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
DRC,2023,rural,female,67,55+,highest,secondary,self_employed,22.7,12.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2018,urban,female,44,35-44,lowest,secondary,unemployed,4.1,5.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2020,rural,female,52,45-54,lowest,none,student,40.6,13.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2018,urban,male,36,35-44,lowest,secondary,self_employed,20.6,5.9,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2024,urban,female,26,25-34,middle,secondary,employed_formal,5.9,1.6,1,savings,DFCU,2,0,575.82,none,0,0,0,moderate_burden
Nigeria,2020,rural,female,54,45-54,middle,secondary,unemployed,4.0,8.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2023,urban,male,29,25-34,lowest,none,self_employed,1.7,0.5,1,savings,Equity Bank,2,0,111.57,none,1,1,1,moderate_burden
Ethiopia,2019,rural,male,38,35-44,middle,primary,employed_informal,5.3,4.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2020,rural,male,53,45-54,lowest,primary,unemployed,35.6,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2022,rural,female,27,25-34,second,tertiary,employed_informal,23.8,2.4,1,salary_account,Access Bank,3,0,656.57,none,0,0,1,moderate_burden
Tanzania,2019,rural,female,59,55+,fourth,tertiary,self_employed,21.3,5.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2025,urban,male,71,55+,fourth,none,unemployed,4.1,0.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2024,rural,female,18,18-24,fourth,none,unemployed,4.3,5.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,urban,male,43,35-44,lowest,secondary,employed_informal,1.0,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,rural,male,31,25-34,lowest,none,self_employed,17.1,0.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2022,rural,male,31,25-34,highest,primary,unemployed,14.6,1.3,1,savings,CBAO,2,0,239.71,none,0,0,0,moderate_burden
Uganda,2021,rural,female,69,55+,lowest,secondary,self_employed,8.5,2.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2021,urban,female,60,55+,lowest,secondary,student,0.7,2.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2022,urban,female,59,55+,second,primary,unemployed,5.7,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2018,rural,female,66,55+,second,primary,unemployed,7.1,1.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2023,rural,female,31,25-34,lowest,none,self_employed,9.9,3.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2023,urban,male,21,18-24,highest,secondary,self_employed,0.8,0.0,1,savings,NBS Bank,0,9,0.0,none,0,1,1,moderate_burden
Zambia,2022,rural,female,49,45-54,second,none,unemployed,2.1,6.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2022,rural,male,37,35-44,second,primary,employed_formal,45.0,14.9,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Malawi,2021,urban,female,22,18-24,second,tertiary,self_employed,7.2,1.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2023,rural,female,32,25-34,second,primary,employed_informal,42.9,10.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2020,urban,male,29,25-34,second,none,employed_formal,0.3,5.6,1,salary_account,Absa,4,0,165.52,none,0,0,1,moderate_burden
Mali,2020,urban,male,67,55+,second,none,unemployed,5.6,0.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2023,urban,male,74,55+,lowest,tertiary,employed_informal,9.9,3.6,1,savings,Nedbank,3,0,327.01,none,0,1,0,moderate_burden
Tanzania,2020,rural,female,30,25-34,middle,none,self_employed,3.9,33.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2025,rural,female,27,25-34,lowest,none,employed_informal,4.5,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2021,rural,male,49,45-54,lowest,secondary,self_employed,15.1,16.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2024,rural,female,43,35-44,middle,tertiary,unemployed,9.0,11.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2021,urban,male,63,55+,middle,primary,unemployed,2.8,1.6,1,savings,NCBA,3,0,262.21,none,1,0,0,moderate_burden
Senegal,2019,urban,female,28,25-34,lowest,secondary,employed_informal,0.2,3.8,1,current,Société Générale,2,0,63.46,none,0,0,0,moderate_burden
Kenya,2023,rural,male,23,18-24,highest,none,employed_informal,1.5,5.1,1,fixed_deposit,Equity Bank,1,0,2555.41,none,0,1,0,moderate_burden
South Africa,2024,rural,male,68,55+,fourth,secondary,self_employed,8.6,7.0,1,salary_account,Standard Bank,1,0,325.56,none,0,1,0,moderate_burden
Zambia,2022,rural,male,19,18-24,fourth,none,self_employed,8.9,36.2,1,current,Stanbic,2,0,894.58,none,0,0,0,moderate_burden
Niger,2025,rural,male,67,55+,middle,none,self_employed,30.7,3.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,rural,male,27,25-34,highest,tertiary,employed_informal,24.9,8.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2023,rural,male,67,55+,second,primary,employed_formal,6.3,10.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2023,rural,female,55,45-54,lowest,secondary,unemployed,3.3,0.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2023,rural,male,31,25-34,second,secondary,self_employed,5.4,3.2,1,savings,Nedbank,1,0,2059.23,none,0,0,0,moderate_burden
Mali,2021,urban,female,43,35-44,fourth,primary,student,1.8,2.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2018,urban,female,44,35-44,highest,secondary,employed_informal,4.1,0.7,1,savings,BDM,4,0,465.68,none,0,0,0,moderate_burden
Kenya,2018,rural,male,46,45-54,fourth,secondary,student,22.4,3.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2021,rural,male,59,55+,middle,primary,employed_informal,7.4,18.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2022,rural,male,58,55+,second,none,unemployed,25.5,5.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2022,rural,male,74,55+,highest,secondary,employed_informal,8.7,10.5,1,fixed_deposit,Ecobank,1,0,790.75,none,0,0,0,moderate_burden
Mozambique,2022,rural,female,29,25-34,lowest,secondary,employed_informal,19.2,5.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2019,rural,female,51,45-54,second,secondary,unemployed,5.5,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,rural,male,72,55+,middle,tertiary,student,20.6,6.8,1,savings,FNB,0,4,0.0,none,0,0,0,moderate_burden
Niger,2018,urban,male,54,45-54,lowest,none,student,1.3,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2019,urban,male,32,25-34,fourth,secondary,unemployed,2.6,0.1,1,current,Standard Bank,2,0,661.47,none,0,1,0,moderate_burden
Zambia,2025,rural,female,73,55+,middle,tertiary,unemployed,25.4,9.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2018,rural,female,68,55+,second,secondary,employed_informal,5.3,3.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2019,urban,male,35,25-34,highest,secondary,self_employed,3.1,0.9,1,savings,NBS Bank,2,0,679.86,none,0,1,0,moderate_burden
Uganda,2018,urban,male,44,35-44,fourth,secondary,employed_formal,2.6,6.8,1,savings,DFCU,2,0,540.61,none,0,1,1,moderate_burden
Kenya,2019,urban,female,38,35-44,second,secondary,student,12.3,2.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2020,urban,male,74,55+,second,secondary,self_employed,2.5,2.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2019,urban,female,39,35-44,highest,primary,self_employed,2.0,0.2,1,savings,Coris Bank,1,0,2028.14,none,0,1,0,moderate_burden
Kenya,2025,rural,male,25,18-24,middle,none,employed_informal,13.3,1.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2024,rural,female,19,18-24,highest,secondary,employed_formal,16.8,13.4,1,fixed_deposit,BHS,1,0,753.04,none,0,1,0,moderate_burden
Malawi,2024,rural,female,34,25-34,fourth,secondary,self_employed,18.7,14.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2018,urban,male,64,55+,second,secondary,employed_formal,2.2,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2019,rural,female,68,55+,lowest,primary,employed_informal,2.5,7.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2021,rural,male,49,45-54,lowest,secondary,unemployed,6.1,6.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2024,rural,female,61,55+,lowest,primary,unemployed,2.1,4.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2021,urban,male,74,55+,second,primary,self_employed,3.0,1.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2019,urban,male,28,25-34,highest,secondary,student,1.9,0.2,1,savings,NCBA,2,0,749.96,none,0,0,0,moderate_burden
South Africa,2025,rural,female,35,25-34,fourth,secondary,unemployed,9.2,0.9,1,savings,Standard Bank,4,0,1716.12,none,0,1,0,moderate_burden
Rwanda,2019,rural,male,62,55+,fourth,primary,employed_informal,7.9,10.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2018,rural,female,41,35-44,fourth,primary,employed_informal,5.7,1.4,1,salary_account,Access Bank,0,18,0.0,none,0,0,0,moderate_burden
Uganda,2019,urban,male,27,25-34,lowest,secondary,self_employed,1.5,0.5,1,savings,Equity Bank,2,0,189.25,none,0,1,0,moderate_burden
DRC,2020,urban,male,29,25-34,lowest,none,unemployed,2.3,0.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2021,urban,male,57,55+,second,secondary,employed_formal,0.8,1.5,1,savings,Rawbank,0,24,0.0,none,1,0,1,moderate_burden
Zambia,2024,rural,female,54,45-54,middle,none,self_employed,14.0,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2021,rural,male,70,55+,highest,primary,student,25.5,6.3,1,salary_account,Absa,0,13,0.0,none,0,1,0,moderate_burden
Uganda,2024,rural,female,59,55+,fourth,primary,employed_informal,35.5,4.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2018,rural,female,58,55+,middle,secondary,unemployed,20.6,12.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2020,rural,female,23,18-24,middle,primary,employed_informal,36.0,17.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2023,urban,female,66,55+,second,primary,employed_informal,0.3,0.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2020,rural,male,58,55+,lowest,primary,unemployed,23.3,4.9,1,current,Nedbank,2,0,204.92,none,0,0,0,moderate_burden
Mali,2019,urban,male,64,55+,fourth,primary,self_employed,3.1,0.2,1,savings,Ecobank,3,0,885.07,none,0,1,1,moderate_burden
Mozambique,2024,urban,female,63,55+,middle,secondary,self_employed,0.4,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2019,rural,female,58,55+,lowest,primary,employed_formal,34.3,2.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2018,rural,female,71,55+,second,secondary,self_employed,26.0,3.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2020,rural,female,60,55+,second,tertiary,student,12.6,1.6,1,savings,Equity Bank,0,2,0.0,none,0,1,1,moderate_burden
Tanzania,2019,urban,female,38,35-44,highest,secondary,student,0.6,4.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Nigeria,2020,rural,male,51,45-54,highest,none,employed_informal,22.6,1.2,1,savings,First Bank,0,19,0.0,none,0,1,1,moderate_burden
South Africa,2025,rural,female,49,45-54,lowest,secondary,self_employed,25.5,2.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2025,rural,female,35,25-34,second,secondary,student,15.1,3.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2024,rural,female,19,18-24,fourth,secondary,self_employed,19.8,25.2,1,savings,Awash Bank,0,14,0.0,none,0,1,0,moderate_burden
South Africa,2019,rural,female,58,55+,fourth,none,self_employed,2.3,15.9,1,savings,FNB,0,6,0.0,none,0,0,0,moderate_burden
Ghana,2020,urban,male,74,55+,highest,none,self_employed,0.6,3.5,1,current,Stanbic,1,0,3216.47,none,0,0,0,moderate_burden
Mozambique,2020,urban,female,38,35-44,fourth,primary,employed_formal,1.1,1.2,1,savings,BCI,2,0,791.64,none,0,0,1,moderate_burden
Mozambique,2018,rural,male,25,18-24,fourth,primary,unemployed,20.0,1.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2018,urban,female,27,25-34,lowest,secondary,employed_informal,0.0,3.3,1,savings,BCI,2,0,80.58,none,1,1,0,moderate_burden
Rwanda,2025,urban,male,53,45-54,lowest,primary,employed_formal,1.0,0.9,1,savings,Bank of Kigali,4,0,181.06,none,0,0,0,moderate_burden
DRC,2025,rural,female,18,18-24,middle,primary,employed_informal,17.4,15.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2019,rural,male,67,55+,highest,secondary,unemployed,30.0,2.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2019,urban,male,23,18-24,lowest,secondary,employed_informal,9.4,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2021,rural,female,70,55+,fourth,primary,unemployed,56.5,2.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2023,rural,male,59,55+,middle,secondary,employed_formal,27.5,4.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2024,rural,male,63,55+,lowest,tertiary,employed_informal,21.8,2.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2023,urban,male,28,25-34,middle,tertiary,employed_informal,8.5,2.0,1,savings,Standard Bank,4,0,1652.37,none,0,0,1,moderate_burden
Rwanda,2020,rural,male,39,35-44,highest,primary,student,26.3,13.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2018,rural,female,22,18-24,lowest,primary,self_employed,1.4,9.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2019,urban,male,43,35-44,fourth,primary,self_employed,0.7,5.2,1,salary_account,KCB,2,0,424.87,none,0,1,0,moderate_burden
South Africa,2023,urban,male,54,45-54,fourth,secondary,unemployed,0.1,4.0,1,savings,Nedbank,1,0,495.89,none,0,1,1,moderate_burden
DRC,2023,rural,male,20,18-24,middle,secondary,employed_informal,4.1,9.7,1,current,Equity BCDC,2,0,346.39,none,1,0,0,moderate_burden
Malawi,2022,rural,male,51,45-54,highest,none,unemployed,6.6,3.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ethiopia,2020,rural,male,63,55+,highest,primary,employed_informal,6.7,2.0,1,savings,Dashen Bank,0,6,0.0,none,0,1,0,moderate_burden
Niger,2023,urban,male,67,55+,middle,primary,unemployed,1.6,0.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2023,rural,female,21,18-24,highest,tertiary,self_employed,2.7,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2023,rural,male,43,35-44,fourth,secondary,employed_formal,3.6,8.4,1,salary_account,BCDC,2,0,1891.61,none,0,1,0,moderate_burden
Rwanda,2018,rural,male,31,25-34,middle,tertiary,unemployed,2.0,3.6,1,fixed_deposit,Equity Bank,1,0,213.61,none,0,1,0,moderate_burden
Ethiopia,2021,urban,male,36,35-44,fourth,secondary,self_employed,6.0,0.8,1,fixed_deposit,Dashen Bank,0,24,0.0,none,0,1,0,moderate_burden
Ghana,2023,rural,female,32,25-34,highest,secondary,employed_informal,9.5,4.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2024,rural,female,19,18-24,middle,tertiary,self_employed,2.1,3.0,1,savings,BDM,1,0,204.3,none,1,1,0,moderate_burden
Uganda,2020,rural,male,67,55+,second,primary,unemployed,13.1,21.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2018,urban,female,73,55+,second,primary,unemployed,2.1,2.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2019,urban,female,40,35-44,lowest,none,employed_informal,3.7,0.0,1,savings,Standard Bank,3,0,535.7,none,0,1,0,moderate_burden
Mali,2024,rural,female,50,45-54,second,none,self_employed,3.4,12.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2018,urban,male,71,55+,highest,secondary,employed_informal,1.6,0.8,1,salary_account,BMCD,0,24,0.0,none,0,0,1,moderate_burden
Ethiopia,2023,urban,female,33,25-34,lowest,secondary,employed_formal,1.2,1.3,1,savings,Dashen Bank,0,21,0.0,none,0,1,1,moderate_burden
South Africa,2019,rural,female,74,55+,lowest,primary,employed_informal,7.8,15.9,1,savings,Capitec,3,0,52.06,none,0,1,0,moderate_burden
Ethiopia,2022,rural,female,28,25-34,second,primary,student,10.8,4.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2023,rural,male,47,45-54,highest,secondary,employed_informal,7.6,21.0,1,current,Standard Bank,3,0,3475.21,none,0,0,0,moderate_burden
Mali,2019,rural,female,25,18-24,second,tertiary,self_employed,26.9,12.1,1,current,Coris Bank,0,23,0.0,none,0,0,0,moderate_burden
Kenya,2020,rural,male,33,25-34,fourth,secondary,student,2.5,9.6,1,savings,Stanbic,4,0,311.69,none,1,1,0,moderate_burden
Mali,2022,rural,male,63,55+,second,none,employed_formal,27.2,17.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2019,urban,male,63,55+,highest,tertiary,employed_formal,1.3,2.6,1,savings,GTBank,1,0,2549.67,none,0,0,1,moderate_burden
Ghana,2019,rural,female,47,45-54,second,secondary,employed_formal,6.0,7.4,1,savings,Ecobank,0,20,0.0,none,0,1,0,moderate_burden
Mali,2019,urban,female,37,35-44,lowest,secondary,self_employed,0.2,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2024,rural,male,50,45-54,lowest,secondary,student,17.1,1.2,1,savings,BHS,0,2,0.0,none,0,1,0,moderate_burden
Nigeria,2020,rural,male,27,25-34,lowest,secondary,student,35.1,10.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2022,rural,male,23,18-24,fourth,secondary,employed_informal,7.5,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2023,urban,male,59,55+,lowest,secondary,employed_informal,0.2,3.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2023,rural,female,43,35-44,fourth,secondary,unemployed,8.9,7.4,1,salary_account,BHS,0,11,0.0,none,0,0,0,moderate_burden
Niger,2019,rural,female,47,45-54,second,secondary,unemployed,5.9,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2025,rural,female,59,55+,highest,none,employed_informal,11.3,1.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2018,urban,male,46,45-54,highest,tertiary,employed_informal,4.4,0.2,1,current,GTBank,3,0,6471.61,none,0,1,0,moderate_burden
Senegal,2025,rural,male,48,45-54,second,primary,self_employed,37.8,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2025,rural,female,72,55+,lowest,none,unemployed,25.5,6.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2023,urban,female,50,45-54,lowest,primary,employed_informal,4.6,0.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2023,rural,female,51,45-54,lowest,secondary,employed_formal,4.3,5.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2024,rural,female,20,18-24,lowest,secondary,employed_informal,20.9,24.7,1,savings,Ecobank,1,0,76.76,none,0,1,0,moderate_burden
Tanzania,2020,urban,male,24,18-24,highest,primary,unemployed,0.0,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2021,rural,female,49,45-54,second,none,employed_informal,8.9,16.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2021,urban,female,63,55+,second,secondary,unemployed,4.3,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2022,rural,male,26,25-34,middle,tertiary,employed_informal,12.3,0.1,1,current,NBC,4,0,1531.89,none,0,0,0,moderate_burden
Kenya,2019,urban,female,74,55+,middle,primary,employed_informal,0.5,3.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2025,rural,female,38,35-44,lowest,primary,employed_informal,3.4,11.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2022,urban,female,62,55+,lowest,primary,self_employed,1.0,0.9,1,savings,Absa,3,0,248.66,none,0,1,0,moderate_burden
Rwanda,2018,rural,male,72,55+,highest,primary,employed_informal,33.5,4.0,1,savings,Equity Bank,2,0,349.0,none,0,0,0,moderate_burden
Rwanda,2024,rural,female,41,35-44,highest,secondary,unemployed,13.4,1.5,1,current,Bank of Kigali,0,5,0.0,none,1,1,0,moderate_burden
DRC,2020,rural,male,63,55+,second,primary,unemployed,19.3,6.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2025,rural,female,59,55+,fourth,none,self_employed,29.2,1.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2021,urban,female,31,25-34,highest,none,unemployed,1.1,0.1,1,fixed_deposit,BHS,3,0,1984.65,none,1,1,1,moderate_burden
Rwanda,2023,rural,male,27,25-34,lowest,tertiary,unemployed,15.7,10.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2019,rural,male,70,55+,fourth,secondary,employed_formal,13.7,0.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2024,urban,male,68,55+,lowest,tertiary,employed_informal,2.8,3.5,1,savings,Equity Bank,0,20,0.0,none,0,1,0,moderate_burden
DRC,2019,urban,female,20,18-24,second,secondary,employed_informal,1.1,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2024,rural,female,21,18-24,fourth,none,self_employed,14.7,22.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2023,rural,female,29,25-34,fourth,secondary,self_employed,130.2,4.0,1,current,Awash Bank,0,6,0.0,none,0,1,0,moderate_burden
South Africa,2022,rural,female,62,55+,fourth,secondary,employed_informal,64.5,3.8,1,savings,Standard Bank,1,0,493.31,none,1,1,0,moderate_burden
South Africa,2025,rural,female,72,55+,second,tertiary,self_employed,3.6,6.5,1,savings,Standard Bank,1,0,624.52,none,0,0,0,moderate_burden
Mozambique,2019,rural,female,51,45-54,second,primary,employed_formal,0.7,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2022,urban,female,74,55+,lowest,secondary,student,1.1,0.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2020,urban,female,65,55+,lowest,secondary,employed_informal,1.5,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,urban,female,59,55+,fourth,secondary,student,4.9,2.2,1,savings,Stanbic,4,0,265.11,none,0,1,1,moderate_burden
Ethiopia,2024,rural,female,48,45-54,middle,secondary,self_employed,36.9,3.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2018,rural,male,29,25-34,highest,tertiary,unemployed,14.8,8.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2022,rural,female,29,25-34,lowest,secondary,unemployed,8.6,3.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Rwanda,2025,urban,female,61,55+,second,none,employed_informal,2.5,1.2,1,savings,I&M Bank,3,0,921.54,none,0,1,0,moderate_burden
Ghana,2018,urban,male,63,55+,lowest,secondary,self_employed,3.0,1.5,1,savings,Fidelity,3,0,150.57,none,0,0,1,moderate_burden
Nigeria,2025,rural,male,70,55+,middle,primary,employed_formal,5.2,4.8,1,current,First Bank,2,0,258.28,none,0,1,0,moderate_burden
Malawi,2023,urban,male,20,18-24,fourth,primary,unemployed,3.6,2.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2018,rural,female,55,45-54,second,secondary,employed_formal,12.2,13.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2025,urban,male,57,55+,fourth,secondary,employed_informal,1.1,2.4,1,salary_account,Bank of Kigali,1,0,2024.24,none,0,0,0,moderate_burden
Senegal,2021,urban,male,44,35-44,middle,none,student,1.4,1.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,urban,female,27,25-34,lowest,secondary,unemployed,1.0,5.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2025,rural,male,54,45-54,middle,primary,employed_formal,11.8,2.4,1,current,Fidelity,4,0,367.88,none,0,0,0,moderate_burden
Kenya,2025,urban,female,62,55+,highest,primary,employed_formal,6.1,2.2,1,current,Cooperative Bank,1,0,1893.84,none,0,0,1,moderate_burden
Senegal,2025,urban,male,39,35-44,fourth,secondary,student,4.0,0.3,1,savings,CBAO,2,0,1127.71,none,0,0,1,moderate_burden
Niger,2022,rural,female,30,25-34,lowest,secondary,self_employed,8.4,10.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2024,urban,female,55,45-54,lowest,none,self_employed,0.8,2.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2021,urban,female,60,55+,middle,secondary,employed_informal,1.4,5.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Tanzania,2018,rural,female,33,25-34,lowest,primary,employed_informal,10.3,11.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2020,rural,female,41,35-44,highest,primary,employed_informal,9.8,24.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2022,rural,male,70,55+,middle,secondary,unemployed,12.7,14.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,rural,female,38,35-44,highest,primary,employed_formal,3.3,23.3,1,fixed_deposit,Sonibank,3,0,558.33,none,1,1,0,moderate_burden
Ghana,2023,urban,female,58,55+,lowest,none,unemployed,6.6,4.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2024,urban,female,31,25-34,lowest,secondary,self_employed,0.4,0.5,1,savings,Nedbank,4,0,172.16,none,0,1,1,moderate_burden
Tanzania,2019,urban,male,26,25-34,middle,secondary,employed_informal,0.8,1.6,1,savings,CRDB,1,0,193.77,none,0,0,1,moderate_burden
South Africa,2024,urban,female,24,18-24,fourth,primary,self_employed,3.8,3.8,1,current,Capitec,1,0,800.42,none,0,1,1,moderate_burden
Nigeria,2018,rural,male,26,25-34,middle,primary,self_employed,4.0,11.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2018,rural,male,35,25-34,middle,tertiary,unemployed,9.1,7.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,rural,female,56,55+,lowest,secondary,unemployed,1.1,0.7,1,savings,Standard Bank,3,0,620.28,none,1,0,0,moderate_burden
Ethiopia,2022,urban,male,63,55+,lowest,none,self_employed,4.2,0.5,1,savings,Awash Bank,1,0,692.31,none,0,1,1,moderate_burden
Malawi,2018,rural,female,42,35-44,lowest,none,unemployed,70.9,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2022,urban,male,66,55+,lowest,secondary,employed_informal,2.7,1.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2021,urban,female,35,25-34,highest,primary,employed_informal,3.4,2.0,1,savings,Absa,4,0,264.0,none,0,1,0,moderate_burden
Zambia,2025,rural,female,50,45-54,lowest,primary,self_employed,72.9,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2023,rural,male,66,55+,middle,secondary,self_employed,3.8,1.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2023,rural,female,66,55+,middle,none,self_employed,28.2,2.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2025,urban,male,42,35-44,highest,primary,employed_formal,0.2,0.8,1,current,Standard Bank,4,0,1948.05,none,0,0,1,moderate_burden
Tanzania,2018,urban,male,60,55+,lowest,primary,employed_informal,4.3,1.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2023,rural,male,32,25-34,middle,secondary,employed_formal,11.4,36.6,1,savings,Zanaco,2,0,211.28,none,0,1,0,moderate_burden
Ghana,2022,rural,male,19,18-24,highest,secondary,employed_formal,4.7,1.5,1,fixed_deposit,Ecobank,4,0,3579.6,none,0,0,0,moderate_burden
Rwanda,2020,urban,male,59,55+,second,secondary,employed_formal,1.2,1.5,1,salary_account,I&M Bank,1,0,1014.65,none,0,0,1,moderate_burden
Kenya,2025,rural,female,58,55+,second,secondary,employed_informal,0.0,28.1,1,savings,Stanbic,0,11,0.0,none,0,1,0,moderate_burden
South Africa,2022,urban,female,69,55+,highest,primary,self_employed,3.5,0.0,1,savings,FNB,0,13,0.0,none,0,1,0,moderate_burden
Ghana,2021,rural,female,58,55+,fourth,primary,unemployed,15.4,7.9,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2021,rural,male,35,25-34,middle,secondary,employed_formal,2.4,2.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2022,rural,male,28,25-34,fourth,secondary,self_employed,26.1,5.7,1,savings,Access Bank,0,24,0.0,none,0,0,0,moderate_burden
South Africa,2018,rural,female,50,45-54,middle,secondary,self_employed,12.1,4.4,1,salary_account,Nedbank,1,0,257.83,none,0,1,1,moderate_burden
Niger,2022,rural,male,41,35-44,middle,secondary,self_employed,41.4,16.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Nigeria,2025,rural,male,60,55+,lowest,primary,self_employed,81.0,10.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2023,urban,male,52,45-54,second,primary,employed_formal,1.8,5.1,1,savings,FBNBank,0,20,0.0,none,0,1,0,moderate_burden
Malawi,2023,rural,female,60,55+,second,secondary,employed_formal,7.9,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2019,rural,female,49,45-54,highest,none,student,7.6,0.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Kenya,2019,rural,female,50,45-54,highest,secondary,self_employed,7.4,7.4,1,current,Equity Bank,2,0,1888.11,none,0,1,0,moderate_burden
DRC,2022,urban,female,74,55+,second,primary,self_employed,0.3,0.3,1,savings,BCDC,0,9,0.0,none,0,1,1,moderate_burden
Mali,2019,urban,female,37,35-44,second,primary,self_employed,2.0,1.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2020,urban,female,27,25-34,fourth,none,employed_formal,0.5,0.9,1,fixed_deposit,Ecobank,1,0,723.23,none,0,0,0,moderate_burden
Zambia,2022,urban,female,38,35-44,fourth,tertiary,unemployed,2.0,3.1,1,current,Absa,0,7,0.0,none,1,1,0,moderate_burden
South Africa,2023,rural,female,62,55+,second,secondary,employed_informal,16.3,2.0,1,savings,Capitec,0,1,0.0,none,0,0,0,moderate_burden
Kenya,2019,rural,male,29,25-34,second,primary,unemployed,4.2,4.1,1,current,Equity Bank,0,19,0.0,none,0,0,1,moderate_burden
Mali,2022,urban,male,27,25-34,middle,tertiary,self_employed,3.0,2.3,1,savings,Ecobank,0,2,0.0,none,1,1,0,moderate_burden
South Africa,2025,urban,female,58,55+,highest,primary,employed_formal,4.4,0.9,1,savings,Nedbank,2,0,1246.78,none,0,0,0,moderate_burden
Rwanda,2023,rural,female,46,45-54,lowest,none,employed_informal,14.8,2.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Malawi,2018,urban,male,42,35-44,second,primary,self_employed,3.3,0.4,1,savings,NBS Bank,4,0,1839.94,none,1,1,0,moderate_burden
Zambia,2020,rural,female,60,55+,highest,none,unemployed,2.0,38.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2025,rural,female,53,45-54,second,primary,student,15.4,8.6,1,salary_account,I&M Bank,0,1,0.0,none,0,1,0,moderate_burden
South Africa,2024,rural,female,19,18-24,middle,none,employed_informal,13.1,2.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2025,rural,female,31,25-34,second,secondary,unemployed,10.2,0.3,1,current,Nedbank,2,0,215.06,none,0,0,0,moderate_burden
Rwanda,2020,rural,female,54,45-54,second,none,unemployed,5.1,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2024,rural,male,59,55+,second,secondary,unemployed,4.9,1.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2024,rural,female,28,25-34,second,none,unemployed,31.6,5.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2018,urban,male,53,45-54,second,tertiary,employed_formal,6.8,2.0,1,savings,Millennium BIM,1,0,2149.41,none,0,0,1,moderate_burden
Senegal,2019,urban,female,59,55+,fourth,secondary,student,4.2,1.7,1,savings,Société Générale,3,0,2031.85,none,0,0,0,moderate_burden
Mozambique,2018,rural,male,32,25-34,fourth,secondary,student,5.1,6.0,1,savings,Standard Bank,2,0,1666.75,none,0,0,0,moderate_burden
Mozambique,2020,rural,female,28,25-34,second,none,unemployed,25.2,15.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2021,rural,female,36,35-44,highest,secondary,self_employed,4.8,9.4,1,savings,NBS Bank,2,0,1083.38,none,0,0,0,moderate_burden
Rwanda,2025,rural,female,51,45-54,lowest,primary,unemployed,47.9,1.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2023,urban,female,64,55+,fourth,primary,self_employed,1.6,0.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Rwanda,2018,rural,male,52,45-54,highest,secondary,self_employed,2.4,4.1,1,current,Equity Bank,0,11,0.0,none,0,1,1,moderate_burden
Tanzania,2019,urban,male,24,18-24,fourth,none,self_employed,1.1,0.6,1,current,NBC,0,13,0.0,none,0,0,1,moderate_burden
Nigeria,2018,rural,male,63,55+,second,secondary,employed_informal,21.7,22.4,1,current,GTBank,0,7,0.0,none,0,0,0,moderate_burden
Nigeria,2024,urban,female,50,45-54,highest,primary,employed_informal,5.1,0.7,1,savings,First Bank,2,0,1739.01,none,1,1,0,moderate_burden
Niger,2020,rural,male,39,35-44,lowest,primary,employed_informal,0.0,4.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2022,rural,female,55,45-54,middle,tertiary,unemployed,7.0,1.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2018,rural,male,57,55+,second,none,self_employed,31.0,20.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2023,rural,female,61,55+,fourth,primary,employed_informal,0.8,13.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2021,rural,female,32,25-34,fourth,primary,employed_informal,0.6,11.7,1,current,UBA,2,0,318.73,none,0,0,0,moderate_burden
DRC,2024,rural,male,65,55+,middle,none,unemployed,41.9,8.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2018,urban,female,49,45-54,second,primary,self_employed,1.4,2.2,1,savings,Zenith Bank,3,0,206.12,none,0,0,0,moderate_burden
South Africa,2024,urban,female,70,55+,highest,primary,unemployed,1.9,1.1,1,fixed_deposit,Nedbank,2,0,1639.52,none,0,1,0,moderate_burden
Zambia,2024,urban,female,24,18-24,second,secondary,employed_informal,0.2,0.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2024,urban,male,44,35-44,fourth,none,employed_formal,2.7,1.0,1,current,Equity Bank,0,5,0.0,none,0,0,1,moderate_burden
Mozambique,2025,rural,female,34,25-34,lowest,secondary,unemployed,19.4,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2019,rural,male,37,35-44,second,secondary,employed_formal,9.4,1.3,1,salary_account,Bank of Kigali,1,0,137.4,none,0,1,0,moderate_burden
Kenya,2018,urban,male,56,55+,second,secondary,unemployed,4.6,1.9,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2023,rural,female,59,55+,lowest,primary,unemployed,12.6,7.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2022,rural,male,25,18-24,middle,primary,student,4.3,4.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2025,urban,female,42,35-44,lowest,secondary,employed_informal,4.3,2.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2021,rural,male,23,18-24,middle,primary,employed_formal,31.2,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2018,rural,female,56,55+,lowest,secondary,employed_informal,56.2,4.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2020,rural,female,61,55+,lowest,none,self_employed,11.1,1.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2018,urban,male,50,45-54,middle,secondary,self_employed,1.2,1.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2024,urban,male,27,25-34,lowest,none,employed_formal,2.5,1.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2023,urban,female,61,55+,middle,primary,student,0.8,0.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2024,rural,female,37,35-44,middle,primary,self_employed,5.0,19.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2024,urban,female,22,18-24,lowest,primary,employed_informal,5.7,7.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2024,rural,female,39,35-44,middle,primary,employed_informal,12.4,2.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2019,urban,female,54,45-54,middle,none,employed_informal,0.5,1.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2025,rural,female,31,25-34,second,primary,self_employed,3.6,12.9,1,current,Zanaco,3,0,608.41,none,0,0,0,moderate_burden
Uganda,2025,rural,female,62,55+,second,primary,self_employed,0.1,1.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2023,rural,male,50,45-54,second,primary,employed_informal,14.6,2.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2025,rural,male,36,35-44,second,secondary,self_employed,8.2,14.8,1,salary_account,NBC,4,0,130.32,none,0,1,0,moderate_burden
South Africa,2020,urban,female,59,55+,fourth,primary,self_employed,1.5,2.6,1,current,Capitec,1,0,519.23,none,0,0,0,moderate_burden
Nigeria,2019,urban,male,59,55+,middle,secondary,employed_informal,1.6,0.1,1,savings,Zenith Bank,2,0,167.58,none,0,1,1,moderate_burden
Niger,2020,rural,male,39,35-44,second,primary,unemployed,14.5,8.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2020,rural,female,45,35-44,middle,primary,self_employed,13.7,0.2,1,salary_account,Standard Bank,3,0,173.93,none,0,0,0,moderate_burden
Nigeria,2023,rural,male,54,45-54,second,secondary,employed_informal,49.2,0.8,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2020,rural,female,69,55+,lowest,primary,employed_formal,16.2,21.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2023,urban,female,21,18-24,second,primary,employed_formal,0.8,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2021,rural,male,40,35-44,middle,primary,unemployed,3.4,2.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2019,urban,female,57,55+,fourth,primary,employed_formal,0.1,0.6,1,savings,FBNBank,1,0,1691.9,none,0,1,0,moderate_burden
Rwanda,2020,urban,male,31,25-34,middle,primary,self_employed,4.7,0.9,1,savings,Bank of Kigali,0,20,0.0,none,0,1,1,moderate_burden
Tanzania,2023,rural,female,44,35-44,lowest,secondary,employed_informal,46.8,9.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2024,rural,female,43,35-44,highest,primary,self_employed,17.6,4.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2019,rural,female,65,55+,second,primary,student,2.7,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,rural,female,51,45-54,lowest,secondary,employed_formal,5.9,15.5,1,savings,Absa,1,0,509.21,none,0,1,0,moderate_burden
Nigeria,2022,rural,male,34,25-34,second,tertiary,student,2.3,24.6,1,savings,GTBank,2,0,647.17,none,0,1,0,moderate_burden
Tanzania,2018,rural,female,54,45-54,middle,secondary,unemployed,35.9,6.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2024,rural,female,66,55+,second,tertiary,employed_formal,21.1,4.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2024,rural,female,25,18-24,lowest,primary,self_employed,7.3,21.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2023,urban,male,26,25-34,second,primary,employed_informal,1.6,0.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2020,urban,female,34,25-34,fourth,primary,self_employed,0.8,0.8,1,salary_account,UBA,2,0,567.66,none,0,1,1,moderate_burden
Tanzania,2023,rural,male,58,55+,fourth,secondary,self_employed,18.9,15.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2022,rural,female,63,55+,lowest,none,self_employed,20.4,9.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2024,rural,female,38,35-44,lowest,tertiary,employed_informal,10.8,3.6,1,savings,Dashen Bank,0,9,0.0,none,0,0,0,moderate_burden
Zambia,2024,urban,male,54,45-54,lowest,secondary,self_employed,8.5,0.4,1,fixed_deposit,Stanbic,2,0,183.75,none,0,1,0,moderate_burden
Ghana,2022,urban,female,40,35-44,lowest,secondary,student,4.8,1.6,1,fixed_deposit,Absa,0,11,0.0,none,0,1,1,moderate_burden
Niger,2024,rural,female,37,35-44,middle,primary,self_employed,29.3,8.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2018,rural,female,35,25-34,middle,secondary,unemployed,7.4,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2020,urban,male,69,55+,second,secondary,self_employed,1.3,0.9,1,current,Stanbic,2,0,452.8,none,0,1,0,moderate_burden
Ethiopia,2022,rural,male,70,55+,second,secondary,employed_formal,10.2,6.9,1,current,Commercial Bank of Ethiopia,4,0,1761.99,none,0,1,0,moderate_burden
Rwanda,2019,rural,female,22,18-24,highest,primary,employed_informal,5.0,2.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2021,rural,female,60,55+,lowest,primary,self_employed,9.5,14.9,1,savings,Société Générale,2,0,120.31,none,0,0,0,moderate_burden
Kenya,2022,urban,female,24,18-24,fourth,primary,employed_informal,2.3,1.0,1,savings,Equity Bank,1,0,612.95,none,0,1,0,moderate_burden
DRC,2018,rural,male,69,55+,highest,tertiary,employed_informal,7.5,3.7,1,current,Rawbank,1,0,2691.24,none,0,1,1,moderate_burden
South Africa,2018,urban,female,31,25-34,fourth,primary,unemployed,2.2,0.5,1,savings,Nedbank,2,0,515.85,none,0,1,0,moderate_burden
Mali,2025,urban,male,32,25-34,second,none,unemployed,0.5,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2021,urban,female,38,35-44,fourth,secondary,student,0.9,1.4,1,savings,FDH Bank,1,0,1445.63,none,0,1,0,moderate_burden
Mali,2018,urban,female,46,45-54,second,secondary,employed_informal,0.1,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,rural,female,25,18-24,middle,primary,self_employed,30.8,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2021,urban,female,26,25-34,highest,none,employed_informal,0.9,1.5,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ethiopia,2018,rural,male,37,35-44,second,secondary,employed_formal,22.5,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2020,rural,male,43,35-44,middle,primary,unemployed,2.7,4.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2022,urban,male,47,45-54,lowest,primary,self_employed,0.9,0.3,1,current,Nedbank,1,0,249.22,none,0,0,1,moderate_burden
South Africa,2020,urban,female,53,45-54,second,tertiary,unemployed,0.2,0.2,1,savings,Capitec,1,0,460.04,none,0,1,0,moderate_burden
Senegal,2023,rural,female,68,55+,fourth,none,employed_informal,12.6,2.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2019,rural,male,26,25-34,lowest,primary,student,3.0,3.3,1,savings,Centenary,1,0,61.15,none,0,0,0,moderate_burden
Rwanda,2025,rural,male,43,35-44,highest,primary,self_employed,16.4,5.7,1,fixed_deposit,Equity Bank,3,0,254.03,none,0,1,0,moderate_burden
South Africa,2022,rural,female,41,35-44,highest,tertiary,self_employed,3.1,12.4,1,current,Standard Bank,3,0,453.68,none,0,0,1,moderate_burden
Ethiopia,2022,urban,male,44,35-44,highest,primary,employed_informal,1.0,1.8,1,salary_account,Dashen Bank,1,0,996.37,none,0,1,0,moderate_burden
Rwanda,2021,urban,female,26,25-34,second,tertiary,unemployed,4.9,0.3,1,salary_account,Ecobank,2,0,201.91,none,1,0,1,moderate_burden
Kenya,2018,rural,male,42,35-44,highest,tertiary,unemployed,1.8,23.9,1,savings,Stanbic,0,7,0.0,none,0,0,0,moderate_burden
DRC,2021,urban,female,61,55+,second,secondary,self_employed,3.9,1.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2025,rural,male,34,25-34,middle,secondary,self_employed,17.3,9.3,1,savings,Absa,2,0,844.0,none,0,0,0,moderate_burden
Zambia,2024,urban,female,23,18-24,middle,tertiary,self_employed,0.3,0.6,1,savings,Stanbic,2,0,1496.79,none,0,1,0,moderate_burden
Ghana,2024,rural,female,72,55+,lowest,tertiary,self_employed,0.9,4.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2019,rural,female,64,55+,second,none,unemployed,35.0,22.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2024,urban,female,23,18-24,highest,tertiary,unemployed,4.4,0.3,1,salary_account,DFCU,4,0,3213.76,none,0,1,0,moderate_burden
Mali,2019,urban,female,19,18-24,middle,secondary,employed_formal,8.0,2.0,1,savings,Ecobank,2,0,622.45,none,0,1,0,moderate_burden
Senegal,2021,urban,female,64,55+,highest,secondary,self_employed,2.4,1.0,1,savings,Ecobank,1,0,7095.1,none,1,0,0,moderate_burden
Ghana,2023,urban,male,52,45-54,fourth,secondary,employed_informal,2.8,0.3,1,savings,GCB,3,0,422.22,none,0,1,0,moderate_burden
Malawi,2019,rural,male,24,18-24,second,none,student,10.1,42.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2023,rural,female,70,55+,second,primary,employed_formal,6.2,9.4,1,savings,Standard Bank,3,0,250.55,none,0,1,0,moderate_burden
Malawi,2018,urban,female,74,55+,second,primary,employed_informal,2.6,5.9,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ethiopia,2022,rural,female,61,55+,second,none,employed_informal,12.3,6.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2024,rural,male,59,55+,lowest,primary,self_employed,20.7,20.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2021,rural,male,37,35-44,fourth,primary,unemployed,38.3,13.1,1,savings,BHS,1,0,1592.67,none,0,0,0,moderate_burden
Nigeria,2020,rural,female,21,18-24,lowest,secondary,self_employed,19.9,3.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2023,rural,male,56,55+,second,tertiary,employed_formal,9.8,1.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
DRC,2023,urban,male,27,25-34,second,none,employed_formal,1.8,3.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2021,urban,female,49,45-54,fourth,secondary,employed_informal,3.0,2.7,1,savings,Standard Bank,1,0,685.12,none,0,0,1,moderate_burden
DRC,2025,rural,female,39,35-44,middle,secondary,employed_informal,8.2,5.7,1,savings,Rawbank,2,0,1561.02,none,0,1,0,moderate_burden
Senegal,2020,urban,male,50,45-54,second,secondary,employed_formal,0.7,0.4,1,salary_account,Ecobank,0,13,0.0,none,1,1,0,moderate_burden
Tanzania,2022,urban,male,51,45-54,highest,none,unemployed,0.1,5.0,1,savings,NMB,2,0,1411.21,none,0,1,0,moderate_burden
Rwanda,2025,rural,male,32,25-34,fourth,none,employed_formal,15.9,6.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2019,urban,male,22,18-24,second,secondary,employed_informal,0.0,1.9,1,savings,Dashen Bank,0,16,0.0,none,0,0,0,moderate_burden
DRC,2021,urban,male,18,18-24,middle,secondary,employed_formal,0.3,0.8,1,savings,Rawbank,1,0,2760.5,none,0,1,0,moderate_burden
Malawi,2024,rural,male,38,35-44,highest,primary,unemployed,13.8,9.2,1,savings,Standard Bank,2,0,1733.63,none,0,0,0,moderate_burden
Kenya,2019,rural,male,52,45-54,second,secondary,employed_informal,26.0,6.9,1,savings,Equity Bank,0,11,0.0,none,0,0,0,moderate_burden
Niger,2020,rural,male,45,35-44,fourth,secondary,employed_informal,19.1,5.9,1,savings,Ecobank,3,0,729.52,none,1,0,0,moderate_burden
Malawi,2024,rural,male,50,45-54,lowest,primary,unemployed,18.6,4.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2025,rural,male,54,45-54,middle,primary,unemployed,3.8,0.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2020,urban,female,69,55+,second,none,employed_informal,0.5,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2019,urban,male,34,25-34,highest,secondary,unemployed,2.4,0.2,1,savings,National Bank,1,0,3582.5,none,0,1,1,moderate_burden
Uganda,2025,rural,female,19,18-24,second,tertiary,employed_informal,17.1,9.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2021,rural,female,60,55+,fourth,primary,self_employed,9.2,28.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2020,urban,female,22,18-24,second,secondary,employed_informal,1.9,2.0,1,salary_account,Fidelity,1,0,309.59,none,0,1,1,moderate_burden
Rwanda,2019,rural,male,38,35-44,lowest,primary,employed_informal,25.1,1.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2024,rural,female,42,35-44,second,primary,unemployed,5.4,21.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2022,urban,male,74,55+,second,primary,unemployed,6.5,1.3,1,savings,Stanbic,1,0,260.82,none,0,0,0,moderate_burden
Niger,2024,urban,female,22,18-24,second,primary,employed_informal,2.7,1.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2024,urban,male,32,25-34,second,primary,self_employed,1.6,0.3,1,savings,GTBank,1,0,327.28,none,0,1,0,moderate_burden
Malawi,2020,rural,male,43,35-44,highest,tertiary,unemployed,7.1,0.2,1,savings,NBS Bank,2,0,245.71,none,0,1,0,moderate_burden
Mozambique,2023,rural,female,46,45-54,fourth,none,student,7.7,8.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ethiopia,2023,urban,female,50,45-54,fourth,primary,unemployed,1.0,0.0,1,savings,Dashen Bank,0,8,0.0,none,0,0,0,moderate_burden
Mali,2021,rural,female,59,55+,lowest,none,employed_formal,6.6,14.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,urban,female,44,35-44,lowest,primary,student,3.5,2.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Tanzania,2023,rural,female,61,55+,fourth,primary,unemployed,8.4,2.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2022,rural,female,72,55+,fourth,secondary,employed_informal,3.8,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2024,rural,male,27,25-34,highest,tertiary,employed_informal,15.2,8.9,1,current,Absa,2,0,3086.94,none,0,0,1,moderate_burden
Niger,2018,urban,male,53,45-54,second,primary,employed_informal,4.7,0.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2019,rural,female,43,35-44,highest,none,unemployed,0.6,0.0,1,savings,Nedbank,0,7,0.0,none,1,0,0,moderate_burden
Ghana,2021,urban,male,45,35-44,highest,secondary,self_employed,0.4,0.2,1,savings,Fidelity,2,0,1389.73,none,0,1,0,moderate_burden
Mozambique,2024,urban,male,20,18-24,middle,tertiary,employed_informal,1.6,1.3,1,savings,Standard Bank,1,0,207.43,none,0,1,1,moderate_burden
Niger,2025,urban,male,31,25-34,second,primary,unemployed,2.0,0.6,1,savings,Sonibank,2,0,657.56,none,0,1,0,moderate_burden
DRC,2019,urban,female,30,25-34,second,primary,self_employed,2.6,0.0,1,savings,BCDC,0,12,0.0,none,0,0,0,moderate_burden
Niger,2018,urban,male,20,18-24,highest,tertiary,unemployed,5.1,9.3,1,savings,BAK,3,0,1238.52,none,0,1,0,moderate_burden
Niger,2025,rural,female,19,18-24,second,primary,self_employed,23.7,2.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2020,urban,male,20,18-24,second,primary,employed_informal,9.3,1.9,1,savings,Ecobank,2,0,314.29,none,1,0,1,moderate_burden
Malawi,2023,urban,male,56,55+,highest,tertiary,employed_formal,3.1,0.3,1,current,National Bank,2,0,844.67,none,0,1,1,moderate_burden
Uganda,2024,urban,female,23,18-24,highest,tertiary,employed_informal,2.6,2.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2018,rural,male,61,55+,fourth,secondary,unemployed,11.9,6.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2023,rural,male,48,45-54,lowest,primary,employed_informal,16.0,10.5,1,salary_account,Stanbic,1,0,33.06,none,0,1,1,moderate_burden
South Africa,2021,rural,female,60,55+,fourth,tertiary,employed_formal,16.3,1.5,1,fixed_deposit,Capitec,1,0,635.79,none,0,0,1,moderate_burden
Mali,2022,rural,female,68,55+,lowest,tertiary,employed_informal,13.6,9.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2022,urban,male,50,45-54,highest,secondary,unemployed,3.4,3.4,1,savings,Absa,3,0,6363.79,none,0,0,0,moderate_burden
Ghana,2019,rural,male,35,25-34,fourth,primary,self_employed,2.4,8.8,1,current,Stanbic,0,8,0.0,none,1,0,0,moderate_burden
Zambia,2025,rural,female,23,18-24,middle,tertiary,employed_informal,63.3,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2025,urban,male,70,55+,lowest,primary,employed_informal,4.1,2.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2019,rural,female,29,25-34,lowest,primary,employed_informal,2.8,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2024,rural,female,57,55+,lowest,tertiary,employed_formal,4.6,1.7,1,savings,Sonibank,2,0,368.48,none,0,1,0,moderate_burden
Uganda,2018,rural,male,20,18-24,lowest,primary,employed_informal,4.0,6.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2021,rural,male,36,35-44,lowest,primary,employed_informal,32.8,1.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mozambique,2025,rural,male,40,35-44,highest,primary,student,9.4,1.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2019,rural,male,71,55+,fourth,primary,employed_informal,38.5,1.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2019,urban,female,28,25-34,middle,primary,employed_formal,1.4,0.3,1,savings,Zanaco,3,0,902.03,none,0,1,0,moderate_burden
Uganda,2024,rural,male,28,25-34,highest,primary,unemployed,0.4,1.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2021,rural,female,60,55+,fourth,primary,employed_informal,5.0,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2023,rural,female,18,18-24,lowest,secondary,student,1.3,18.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2019,urban,male,63,55+,highest,primary,unemployed,4.1,1.2,1,savings,Cooperative Bank,2,0,2428.36,none,0,1,0,moderate_burden
Uganda,2024,urban,male,70,55+,fourth,none,employed_informal,2.6,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2024,urban,male,20,18-24,highest,primary,employed_formal,9.7,1.6,1,savings,Equity Bank,2,0,2519.25,none,0,1,0,moderate_burden
Ghana,2024,urban,female,68,55+,fourth,tertiary,self_employed,1.9,1.1,1,current,GCB,2,0,596.59,none,0,1,0,moderate_burden
Niger,2024,urban,female,38,35-44,second,tertiary,self_employed,3.5,0.9,1,savings,Sonibank,2,0,363.8,none,0,0,0,moderate_burden
Ghana,2023,rural,male,51,45-54,fourth,primary,unemployed,2.5,12.2,1,savings,GCB,2,0,231.11,none,1,1,0,moderate_burden
Uganda,2022,urban,male,49,45-54,highest,secondary,self_employed,6.7,0.7,1,current,Stanbic,1,0,293.64,none,0,0,1,moderate_burden
Kenya,2025,rural,female,53,45-54,lowest,none,employed_informal,1.9,15.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2020,urban,male,58,55+,second,tertiary,employed_formal,2.4,5.1,1,salary_account,Standard Bank,3,0,647.24,none,0,1,1,moderate_burden
South Africa,2022,rural,female,56,55+,second,primary,self_employed,10.5,1.9,1,savings,Standard Bank,3,0,240.38,none,0,0,0,moderate_burden
Zambia,2019,rural,female,32,25-34,middle,none,student,10.1,3.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2018,urban,male,29,25-34,second,primary,employed_informal,1.6,0.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2024,rural,female,52,45-54,lowest,secondary,self_employed,31.5,14.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2022,urban,female,51,45-54,fourth,secondary,self_employed,2.9,0.6,1,current,Awash Bank,3,0,883.71,none,0,0,1,moderate_burden
Niger,2019,rural,male,18,18-24,second,none,student,0.4,10.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,rural,male,30,25-34,middle,none,self_employed,16.3,9.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2025,urban,male,18,18-24,fourth,secondary,unemployed,0.0,0.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2022,rural,female,52,45-54,second,tertiary,employed_informal,30.2,3.6,1,savings,NMB,2,0,843.76,none,0,0,0,moderate_burden
Mali,2024,rural,female,24,18-24,middle,tertiary,employed_formal,12.4,10.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2025,rural,male,25,18-24,second,primary,employed_formal,25.7,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2021,rural,female,54,45-54,second,primary,student,11.0,5.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2019,urban,female,19,18-24,second,tertiary,employed_informal,1.9,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2022,urban,female,39,35-44,second,tertiary,employed_informal,0.3,0.9,1,savings,Moza Banco,0,6,0.0,none,1,1,0,moderate_burden
Zambia,2021,urban,male,46,45-54,second,tertiary,self_employed,6.7,1.0,1,savings,Absa,1,0,127.47,none,0,1,0,moderate_burden
Rwanda,2018,urban,female,21,18-24,middle,none,unemployed,1.4,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,rural,female,56,55+,middle,primary,unemployed,12.7,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,rural,female,34,25-34,highest,secondary,student,38.4,3.0,1,current,Moza Banco,0,20,0.0,none,0,0,0,moderate_burden
DRC,2023,rural,female,55,45-54,second,tertiary,self_employed,14.8,1.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2023,urban,female,68,55+,middle,primary,unemployed,0.2,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2023,rural,female,59,55+,middle,secondary,employed_formal,9.7,3.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2022,rural,male,29,25-34,highest,secondary,employed_informal,1.1,5.5,1,savings,Zenith Bank,2,0,3389.15,none,0,1,0,moderate_burden
DRC,2025,urban,male,27,25-34,lowest,none,unemployed,0.8,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2023,rural,female,44,35-44,middle,tertiary,unemployed,21.5,3.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2025,urban,male,42,35-44,middle,primary,employed_informal,1.4,1.9,1,salary_account,UBA,3,0,1788.86,none,0,0,0,moderate_burden
Kenya,2018,rural,female,61,55+,lowest,none,employed_informal,16.0,5.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2019,rural,male,68,55+,lowest,secondary,employed_formal,12.7,6.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2021,urban,male,50,45-54,lowest,primary,employed_formal,0.9,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,rural,female,52,45-54,lowest,tertiary,student,1.2,5.7,1,savings,Commercial Bank of Ethiopia,4,0,207.65,none,0,1,0,moderate_burden
Ghana,2019,rural,female,39,35-44,middle,tertiary,employed_formal,28.4,1.7,1,savings,Fidelity,1,0,314.12,none,0,1,0,moderate_burden
DRC,2024,rural,male,62,55+,fourth,primary,unemployed,22.7,8.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2020,rural,female,39,35-44,middle,none,employed_formal,3.8,5.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2023,rural,male,26,25-34,second,tertiary,employed_formal,17.9,1.5,1,savings,NMB,2,0,370.84,none,0,0,0,moderate_burden
Ethiopia,2019,urban,female,41,35-44,fourth,none,employed_informal,2.6,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2024,rural,female,32,25-34,second,secondary,employed_formal,6.8,2.9,1,current,KCB,1,0,211.42,none,0,0,0,moderate_burden
DRC,2021,rural,female,53,45-54,second,primary,student,22.7,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,urban,male,53,45-54,middle,none,unemployed,21.6,0.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2021,rural,male,62,55+,fourth,primary,unemployed,5.2,8.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2019,urban,female,69,55+,lowest,primary,unemployed,0.5,0.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,rural,male,34,25-34,second,primary,employed_informal,4.8,4.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2020,rural,female,66,55+,fourth,none,unemployed,8.4,14.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2023,rural,male,52,45-54,lowest,primary,unemployed,26.7,0.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2022,urban,female,27,25-34,lowest,primary,self_employed,7.7,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2023,urban,male,42,35-44,middle,tertiary,unemployed,0.4,1.1,1,current,Stanbic,3,0,264.39,none,0,0,0,moderate_burden
Ethiopia,2025,urban,female,46,45-54,middle,tertiary,employed_informal,1.1,3.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ethiopia,2025,rural,female,59,55+,middle,primary,employed_informal,0.0,5.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2025,rural,male,52,45-54,highest,tertiary,employed_informal,3.6,5.1,1,current,Orabank,3,0,1320.39,none,1,1,0,moderate_burden
DRC,2023,rural,male,61,55+,highest,none,self_employed,23.7,5.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2022,rural,female,60,55+,second,primary,student,4.1,3.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2019,urban,female,41,35-44,second,secondary,self_employed,2.0,0.7,1,savings,Bank of Kigali,2,0,224.06,none,1,0,0,moderate_burden
South Africa,2023,rural,female,33,25-34,lowest,secondary,unemployed,7.5,1.6,1,savings,Standard Bank,0,15,0.0,none,0,0,1,moderate_burden
Kenya,2018,urban,female,51,45-54,highest,secondary,unemployed,1.0,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2021,rural,female,58,55+,second,primary,employed_formal,16.7,6.1,1,savings,Dashen Bank,2,0,388.59,none,0,1,0,moderate_burden
Zambia,2019,rural,male,71,55+,middle,none,unemployed,11.0,2.6,1,savings,First National Bank,1,0,138.68,none,0,1,0,moderate_burden
Zambia,2022,urban,male,20,18-24,highest,primary,unemployed,2.2,1.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Malawi,2020,urban,male,54,45-54,second,secondary,unemployed,4.1,1.0,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Kenya,2019,rural,female,36,35-44,fourth,primary,student,0.2,14.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2023,rural,male,25,18-24,middle,secondary,employed_informal,18.0,10.2,1,current,KCB,2,0,1778.66,none,0,1,0,moderate_burden
Rwanda,2025,rural,male,65,55+,second,none,student,0.8,19.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,urban,male,67,55+,middle,primary,self_employed,1.6,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2023,urban,female,36,35-44,middle,primary,unemployed,2.6,0.5,1,salary_account,Absa,1,0,310.34,none,0,1,0,moderate_burden
Ethiopia,2025,rural,male,66,55+,lowest,none,self_employed,12.5,4.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2018,urban,female,53,45-54,lowest,secondary,unemployed,4.7,3.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,urban,female,41,35-44,lowest,none,student,1.8,3.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2023,rural,female,69,55+,second,primary,employed_informal,5.8,1.6,1,salary_account,KCB,2,0,747.13,none,0,0,0,moderate_burden
Ghana,2019,rural,female,58,55+,middle,secondary,employed_informal,0.7,26.6,1,current,Fidelity,3,0,183.13,none,0,1,0,moderate_burden
Malawi,2025,rural,female,43,35-44,fourth,none,employed_formal,11.5,33.0,1,salary_account,NBS Bank,2,0,438.18,none,1,0,0,moderate_burden
Niger,2018,urban,female,47,45-54,lowest,none,unemployed,5.0,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2023,rural,female,68,55+,lowest,secondary,employed_formal,3.6,8.3,1,savings,Absa,2,0,401.49,none,1,0,0,moderate_burden
Kenya,2020,rural,male,29,25-34,middle,secondary,employed_informal,13.1,0.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2022,rural,female,21,18-24,fourth,secondary,employed_formal,8.0,5.4,1,salary_account,BCDC,1,0,7308.56,none,0,0,0,moderate_burden
Uganda,2022,rural,male,28,25-34,second,secondary,self_employed,10.0,11.8,1,fixed_deposit,KCB,3,0,288.61,none,1,0,0,moderate_burden
South Africa,2025,rural,male,45,35-44,lowest,tertiary,student,0.4,4.7,1,savings,Standard Bank,3,0,88.47,none,1,0,1,moderate_burden
Mozambique,2018,urban,female,63,55+,middle,none,employed_informal,5.1,0.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2020,rural,female,57,55+,highest,tertiary,employed_informal,24.8,12.7,1,current,Société Générale,2,0,688.58,none,0,0,1,moderate_burden
Tanzania,2024,rural,female,71,55+,lowest,secondary,unemployed,10.6,11.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2018,urban,male,20,18-24,fourth,secondary,self_employed,4.3,1.7,1,savings,Sonibank,2,0,2553.66,none,0,0,1,moderate_burden
Niger,2024,rural,male,42,35-44,middle,primary,unemployed,12.3,6.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2025,rural,female,56,55+,middle,secondary,employed_informal,0.9,4.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2025,rural,male,54,45-54,second,secondary,employed_informal,9.5,11.3,1,savings,BCDC,1,0,528.22,none,1,1,0,moderate_burden
Kenya,2021,urban,female,66,55+,fourth,secondary,self_employed,2.2,2.0,1,savings,NCBA,0,11,0.0,none,0,1,0,moderate_burden
Niger,2023,urban,female,67,55+,fourth,secondary,employed_informal,0.6,0.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2018,urban,female,68,55+,highest,primary,student,3.2,5.5,1,savings,Sonibank,0,14,0.0,none,0,0,1,moderate_burden
Ghana,2021,urban,female,38,35-44,highest,primary,employed_informal,1.5,0.2,1,salary_account,Fidelity,1,0,1318.73,none,1,0,1,moderate_burden
Mozambique,2023,urban,female,58,55+,highest,primary,self_employed,0.2,0.0,1,savings,Standard Bank,4,0,1850.98,none,0,1,0,moderate_burden
Rwanda,2020,rural,male,27,25-34,highest,secondary,unemployed,5.3,7.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ethiopia,2022,rural,female,56,55+,second,tertiary,employed_formal,6.0,10.6,1,salary_account,Awash Bank,1,0,241.6,none,0,0,0,moderate_burden
Senegal,2023,urban,female,55,45-54,middle,secondary,self_employed,1.6,1.6,1,savings,CBAO,0,22,0.0,none,0,0,0,moderate_burden
DRC,2023,urban,female,38,35-44,middle,primary,self_employed,2.5,0.5,1,salary_account,BCDC,3,0,257.62,none,0,0,1,moderate_burden
South Africa,2019,urban,male,30,25-34,lowest,primary,employed_informal,1.8,0.5,1,savings,Standard Bank,1,0,419.37,none,0,0,1,moderate_burden
Ghana,2020,urban,male,39,35-44,lowest,secondary,self_employed,0.2,0.9,1,savings,Ecobank,2,0,260.46,none,0,1,0,moderate_burden
Kenya,2019,rural,female,67,55+,middle,primary,employed_formal,23.8,10.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2025,urban,male,22,18-24,lowest,secondary,student,6.7,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2020,urban,female,68,55+,middle,primary,unemployed,5.2,5.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2023,urban,female,24,18-24,middle,primary,self_employed,1.2,0.7,1,current,Ecobank,1,0,285.0,none,1,0,1,moderate_burden
South Africa,2022,rural,male,19,18-24,lowest,secondary,student,36.0,30.7,1,current,Capitec,2,0,162.58,none,0,1,0,moderate_burden
Ethiopia,2020,rural,male,73,55+,second,tertiary,student,13.1,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2018,urban,female,31,25-34,highest,none,employed_formal,0.5,3.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2021,rural,male,41,35-44,middle,secondary,employed_formal,3.5,10.3,1,current,Stanbic,1,0,112.87,none,0,1,0,moderate_burden
South Africa,2019,rural,female,29,25-34,middle,tertiary,employed_formal,19.0,0.9,1,current,Capitec,1,0,663.39,none,0,0,0,moderate_burden
Tanzania,2021,urban,male,24,18-24,fourth,none,student,2.6,9.8,1,current,NMB,2,0,295.4,none,0,1,1,moderate_burden
Niger,2025,urban,male,65,55+,middle,secondary,employed_formal,0.1,0.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2020,rural,male,68,55+,second,primary,unemployed,8.3,5.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2020,rural,male,38,35-44,second,primary,employed_formal,3.0,3.9,1,savings,Absa,2,0,381.49,none,0,1,0,moderate_burden
Mozambique,2020,rural,male,67,55+,lowest,none,self_employed,9.5,13.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2021,urban,male,43,35-44,fourth,tertiary,employed_informal,3.7,0.1,1,fixed_deposit,Standard Bank,2,0,335.06,none,0,1,0,moderate_burden
Uganda,2024,urban,female,37,35-44,lowest,secondary,unemployed,4.0,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2021,urban,female,50,45-54,fourth,secondary,unemployed,5.9,0.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2019,urban,male,21,18-24,second,primary,unemployed,2.8,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,urban,female,34,25-34,highest,primary,unemployed,2.5,1.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2018,urban,female,40,35-44,highest,tertiary,student,8.1,1.2,1,current,GTBank,1,0,2231.74,none,1,0,0,moderate_burden
Mozambique,2021,rural,female,73,55+,middle,none,unemployed,10.2,8.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2018,rural,female,18,18-24,fourth,secondary,employed_formal,1.5,8.2,1,current,Capitec,0,22,0.0,none,0,1,1,moderate_burden
Ethiopia,2023,rural,female,26,25-34,lowest,primary,student,2.2,10.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2025,rural,female,33,25-34,middle,primary,student,4.3,8.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2021,rural,female,69,55+,fourth,secondary,employed_informal,11.8,4.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2020,urban,male,58,55+,second,none,employed_formal,2.3,1.0,1,savings,Ecobank,3,0,507.32,none,0,0,1,moderate_burden
Senegal,2019,rural,male,44,35-44,middle,secondary,employed_informal,7.3,1.7,1,savings,Ecobank,3,0,423.69,none,0,0,0,moderate_burden
South Africa,2023,rural,male,31,25-34,second,tertiary,unemployed,20.5,4.9,1,salary_account,Standard Bank,3,0,102.24,none,0,1,0,moderate_burden
Niger,2022,rural,male,37,35-44,middle,primary,employed_formal,7.8,8.1,1,savings,BAK,0,7,0.0,none,0,1,0,moderate_burden
Ethiopia,2020,rural,female,27,25-34,lowest,tertiary,employed_formal,46.4,12.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2025,urban,female,27,25-34,second,secondary,employed_formal,0.8,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2021,rural,male,25,18-24,second,secondary,self_employed,25.3,2.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2019,urban,female,65,55+,lowest,tertiary,employed_informal,2.0,0.6,1,current,Nedbank,2,0,119.93,none,0,1,0,moderate_burden
Tanzania,2025,urban,male,33,25-34,fourth,secondary,self_employed,3.2,1.5,1,savings,CRDB,1,0,595.17,none,0,0,0,moderate_burden
Niger,2018,urban,female,46,45-54,fourth,primary,student,1.3,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2025,rural,male,71,55+,lowest,secondary,unemployed,27.6,6.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2023,rural,female,60,55+,second,secondary,unemployed,3.8,2.7,1,savings,Nedbank,1,0,717.4,none,0,1,0,moderate_burden
Uganda,2024,urban,male,71,55+,lowest,tertiary,employed_formal,4.2,0.5,1,salary_account,Centenary,2,0,121.24,none,0,0,0,moderate_burden
Kenya,2025,rural,male,40,35-44,second,primary,employed_informal,3.2,6.5,1,salary_account,Cooperative Bank,2,0,616.57,none,0,0,1,moderate_burden
Uganda,2019,urban,female,28,25-34,fourth,secondary,student,0.9,0.9,1,savings,Centenary,3,0,1926.5,none,0,0,1,moderate_burden
DRC,2023,urban,female,42,35-44,middle,none,unemployed,2.2,0.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2023,urban,male,40,35-44,second,primary,unemployed,2.7,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2025,urban,female,64,55+,second,primary,unemployed,7.1,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2020,rural,female,24,18-24,fourth,secondary,employed_informal,16.3,6.4,1,savings,Dashen Bank,1,0,330.26,none,0,0,0,moderate_burden
Ethiopia,2022,rural,male,60,55+,fourth,secondary,employed_informal,10.6,6.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2019,urban,male,63,55+,highest,secondary,employed_formal,0.1,0.1,1,current,Sonibank,4,0,1884.96,none,1,0,0,moderate_burden
Zambia,2025,rural,female,70,55+,highest,secondary,student,18.9,2.9,1,savings,Zanaco,1,0,5115.51,none,1,1,1,moderate_burden
Nigeria,2024,rural,male,55,45-54,middle,primary,unemployed,9.6,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2023,urban,male,72,55+,middle,tertiary,employed_informal,1.8,1.3,1,savings,Stanbic,3,0,367.42,none,0,0,0,moderate_burden
Ethiopia,2021,rural,male,61,55+,lowest,tertiary,employed_informal,16.1,32.3,1,savings,Commercial Bank of Ethiopia,4,0,335.57,none,0,0,0,moderate_burden
Ghana,2025,urban,female,67,55+,middle,primary,employed_informal,1.1,0.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2024,urban,male,71,55+,second,secondary,employed_informal,5.1,3.0,1,savings,Absa,1,0,277.11,none,0,0,1,moderate_burden
Ghana,2023,rural,male,57,55+,lowest,none,employed_formal,11.6,33.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ethiopia,2022,rural,female,67,55+,middle,primary,student,0.6,1.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2018,rural,male,21,18-24,highest,primary,employed_informal,6.7,21.1,1,current,Ecobank,0,2,0.0,none,0,0,0,moderate_burden
Tanzania,2020,rural,female,24,18-24,fourth,primary,self_employed,1.0,0.0,1,savings,NMB,0,23,0.0,none,0,0,1,moderate_burden
Mali,2022,urban,female,50,45-54,second,tertiary,unemployed,2.9,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2022,rural,female,57,55+,lowest,none,employed_informal,8.9,7.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2025,rural,male,74,55+,second,secondary,self_employed,27.8,18.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,urban,male,40,35-44,middle,none,self_employed,4.1,2.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2019,rural,female,66,55+,second,tertiary,employed_informal,15.3,8.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2021,rural,female,69,55+,highest,none,student,2.4,3.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2020,urban,male,22,18-24,fourth,secondary,student,0.5,0.4,1,current,Nedbank,4,0,1541.76,none,0,0,1,moderate_burden
Uganda,2024,rural,female,60,55+,second,primary,self_employed,4.7,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2021,rural,male,44,35-44,lowest,tertiary,self_employed,6.9,11.2,1,savings,Nedbank,0,13,0.0,none,0,0,1,moderate_burden
Uganda,2019,urban,female,49,45-54,lowest,primary,self_employed,0.4,0.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2025,urban,female,52,45-54,highest,secondary,self_employed,0.7,0.8,1,savings,Bank of Kigali,3,0,1680.55,none,0,1,1,moderate_burden
Malawi,2022,rural,male,58,55+,highest,tertiary,self_employed,7.3,4.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2025,urban,female,53,45-54,second,secondary,employed_formal,3.0,0.6,1,savings,Millennium BIM,1,0,91.27,none,0,0,1,moderate_burden
Senegal,2020,urban,female,71,55+,lowest,secondary,unemployed,2.0,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2022,rural,male,51,45-54,lowest,primary,employed_informal,10.7,3.2,1,salary_account,Ecobank,0,11,0.0,none,0,0,0,moderate_burden
Malawi,2023,rural,female,22,18-24,lowest,none,unemployed,31.4,3.5,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2025,rural,female,41,35-44,second,primary,self_employed,10.4,2.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2019,rural,male,29,25-34,highest,secondary,self_employed,24.6,1.6,1,current,Coris Bank,1,0,2592.27,none,0,0,0,moderate_burden
Uganda,2020,rural,female,63,55+,fourth,primary,employed_informal,15.8,7.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2021,urban,male,23,18-24,highest,primary,student,2.7,0.8,1,savings,KCB,1,0,648.47,none,0,1,0,moderate_burden
South Africa,2022,urban,female,45,35-44,lowest,secondary,employed_informal,2.6,0.8,1,current,Capitec,3,0,178.55,none,0,1,0,moderate_burden
Mali,2021,urban,female,31,25-34,fourth,none,self_employed,2.5,1.5,1,savings,BDM,3,0,890.61,none,0,1,0,moderate_burden
Ghana,2022,rural,male,29,25-34,middle,secondary,employed_formal,3.8,3.0,1,salary_account,Fidelity,0,17,0.0,none,0,0,0,moderate_burden
Rwanda,2021,rural,female,31,25-34,second,primary,self_employed,2.7,3.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2020,rural,male,50,45-54,highest,secondary,employed_informal,9.9,3.0,1,current,FBNBank,1,0,1666.92,none,0,1,0,moderate_burden
South Africa,2024,urban,female,42,35-44,second,primary,self_employed,0.6,0.0,1,savings,Nedbank,1,0,517.54,none,1,0,0,moderate_burden
Uganda,2024,rural,female,39,35-44,fourth,none,employed_formal,16.8,6.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ghana,2025,urban,female,55,45-54,second,primary,unemployed,3.0,4.0,1,current,GCB,2,0,786.29,none,1,1,1,moderate_burden
Niger,2020,rural,female,45,35-44,highest,primary,employed_informal,2.3,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2019,rural,male,63,55+,highest,secondary,employed_informal,8.0,69.5,1,salary_account,BHS,0,13,0.0,none,0,1,0,moderate_burden
Kenya,2025,rural,male,72,55+,lowest,tertiary,employed_informal,1.2,15.8,1,savings,NCBA,4,0,182.86,none,0,0,0,moderate_burden
Tanzania,2020,rural,male,61,55+,lowest,primary,employed_formal,11.1,1.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2023,rural,female,54,45-54,highest,tertiary,student,12.0,10.7,1,savings,First National Bank,4,0,2571.23,none,0,0,0,moderate_burden
Mozambique,2025,urban,male,68,55+,highest,primary,self_employed,13.8,0.6,1,savings,BCI,1,0,1924.33,none,0,0,0,moderate_burden
Uganda,2018,urban,male,68,55+,lowest,tertiary,unemployed,11.9,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,rural,female,70,55+,second,none,student,29.4,3.0,1,savings,Nedbank,0,3,0.0,none,0,0,0,moderate_burden
Malawi,2019,urban,male,46,45-54,fourth,secondary,student,0.9,1.6,1,savings,National Bank,0,9,0.0,none,0,0,0,moderate_burden
Zambia,2022,urban,male,34,25-34,fourth,secondary,unemployed,4.4,1.1,1,savings,Zanaco,0,22,0.0,none,0,0,0,moderate_burden
Nigeria,2021,urban,male,69,55+,lowest,primary,employed_informal,4.6,1.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2019,urban,female,70,55+,fourth,primary,employed_informal,2.5,2.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2020,urban,female,37,35-44,fourth,secondary,unemployed,8.2,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2021,urban,female,51,45-54,second,secondary,student,0.3,2.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2023,rural,female,51,45-54,highest,tertiary,self_employed,5.6,4.3,1,savings,Awash Bank,1,0,6902.09,none,0,0,0,moderate_burden
Malawi,2022,rural,female,40,35-44,lowest,tertiary,unemployed,9.0,46.0,1,savings,Standard Bank,2,0,244.43,none,0,0,0,moderate_burden
DRC,2023,urban,female,52,45-54,lowest,secondary,employed_formal,0.2,3.9,1,savings,BCDC,3,0,197.61,none,0,1,0,moderate_burden
Mali,2021,urban,female,50,45-54,second,none,unemployed,1.5,2.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Rwanda,2023,rural,female,22,18-24,lowest,secondary,self_employed,10.6,11.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,urban,female,69,55+,lowest,tertiary,student,3.4,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2024,rural,male,38,35-44,highest,secondary,employed_informal,4.2,5.0,1,savings,Rawbank,3,0,993.69,none,1,0,1,moderate_burden
Senegal,2018,urban,female,61,55+,fourth,none,student,2.4,1.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2021,urban,female,72,55+,middle,tertiary,self_employed,0.0,1.3,1,savings,BAK,1,0,3020.29,none,0,1,0,moderate_burden
Rwanda,2018,rural,female,52,45-54,highest,secondary,employed_formal,12.0,27.2,1,salary_account,Bank of Kigali,1,0,2413.81,none,0,0,0,moderate_burden
Uganda,2024,rural,male,28,25-34,second,primary,unemployed,14.0,2.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Kenya,2018,urban,female,47,45-54,middle,primary,employed_formal,1.0,0.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2019,urban,female,46,45-54,middle,primary,employed_informal,3.8,2.4,1,savings,Standard Bank,2,0,230.93,none,0,0,1,moderate_burden
Niger,2024,rural,male,44,35-44,second,secondary,self_employed,24.8,18.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2023,rural,female,74,55+,lowest,tertiary,employed_informal,6.7,1.2,1,salary_account,Ecobank,0,22,0.0,none,0,1,1,moderate_burden
Uganda,2025,rural,male,68,55+,middle,secondary,employed_informal,2.2,10.6,1,current,Stanbic,3,0,395.65,none,0,1,0,moderate_burden
DRC,2018,urban,male,27,25-34,lowest,secondary,employed_informal,4.2,0.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2019,rural,female,74,55+,highest,primary,self_employed,15.7,6.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2024,urban,female,35,25-34,lowest,primary,unemployed,2.0,3.7,1,fixed_deposit,Société Générale,1,0,186.71,none,1,0,0,moderate_burden
South Africa,2023,urban,male,69,55+,second,secondary,employed_formal,2.4,0.5,1,savings,Nedbank,1,0,189.52,none,0,0,0,moderate_burden
Nigeria,2019,urban,female,21,18-24,fourth,none,employed_informal,2.2,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,rural,male,36,35-44,lowest,secondary,self_employed,1.3,5.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2020,urban,female,25,18-24,middle,primary,employed_informal,1.5,3.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Rwanda,2025,rural,female,18,18-24,highest,secondary,employed_informal,23.5,9.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2022,rural,female,18,18-24,second,primary,unemployed,0.9,8.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2018,rural,male,27,25-34,middle,primary,student,9.9,16.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2019,rural,male,56,55+,fourth,none,unemployed,28.7,8.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2022,urban,female,31,25-34,fourth,primary,employed_formal,0.7,0.6,1,savings,Stanbic,2,0,3990.93,none,0,0,0,moderate_burden
Malawi,2022,rural,male,70,55+,lowest,secondary,unemployed,26.0,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2024,urban,male,72,55+,lowest,secondary,employed_formal,1.9,0.2,1,current,Fidelity,2,0,733.3,none,1,0,1,moderate_burden
Malawi,2019,urban,female,72,55+,highest,secondary,self_employed,0.6,2.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2022,urban,male,46,45-54,fourth,secondary,self_employed,5.4,1.2,1,current,Fidelity,2,0,563.81,none,0,1,1,moderate_burden
Zambia,2018,rural,female,58,55+,middle,secondary,self_employed,6.3,1.4,1,current,Stanbic,1,0,146.22,none,0,0,0,moderate_burden
Mozambique,2021,rural,female,44,35-44,lowest,none,self_employed,0.2,19.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2023,rural,male,64,55+,middle,secondary,self_employed,7.7,6.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2020,rural,male,45,35-44,second,secondary,self_employed,21.3,15.2,1,current,Stanbic,0,19,0.0,none,0,0,0,moderate_burden
DRC,2019,rural,female,62,55+,second,primary,employed_informal,11.4,5.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2018,urban,male,19,18-24,middle,primary,unemployed,0.6,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2018,urban,female,25,18-24,fourth,secondary,employed_informal,2.4,1.2,1,savings,First Bank,0,21,0.0,none,1,0,0,moderate_burden
Mali,2022,rural,male,35,25-34,highest,secondary,unemployed,20.8,1.4,1,savings,Coris Bank,1,0,879.93,none,0,1,1,moderate_burden
Niger,2023,rural,male,59,55+,lowest,secondary,self_employed,42.1,23.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2019,rural,female,21,18-24,lowest,secondary,self_employed,4.5,0.8,1,current,Société Générale,2,0,39.27,none,1,0,0,moderate_burden
DRC,2021,rural,female,60,55+,middle,secondary,unemployed,22.2,3.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2018,urban,male,36,35-44,fourth,primary,employed_informal,0.8,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2020,urban,female,67,55+,lowest,secondary,unemployed,1.8,0.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2025,urban,female,73,55+,fourth,secondary,employed_informal,6.6,0.5,1,savings,National Bank,1,0,1168.48,none,0,0,1,moderate_burden
Niger,2023,rural,female,53,45-54,highest,tertiary,unemployed,5.2,2.4,1,current,Sonibank,1,0,1719.04,none,0,0,1,moderate_burden
Mali,2022,rural,male,29,25-34,second,secondary,employed_formal,26.6,1.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2019,rural,male,38,35-44,highest,primary,employed_informal,0.5,0.1,1,savings,Capitec,0,15,0.0,none,0,0,0,moderate_burden
Nigeria,2022,rural,male,26,25-34,second,none,self_employed,16.3,0.9,1,savings,First Bank,2,0,141.44,none,0,1,0,moderate_burden
DRC,2018,rural,female,50,45-54,lowest,secondary,employed_informal,6.7,8.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2024,rural,female,57,55+,fourth,primary,employed_informal,5.2,21.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2023,urban,female,34,25-34,second,none,employed_informal,0.6,0.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2018,urban,male,68,55+,second,primary,self_employed,1.0,2.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2020,urban,female,64,55+,lowest,primary,student,1.8,1.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2023,rural,female,31,25-34,middle,secondary,unemployed,10.0,5.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,urban,male,40,35-44,fourth,none,student,1.5,0.9,1,savings,KCB,1,0,1060.17,none,1,0,0,moderate_burden
Uganda,2025,urban,male,43,35-44,fourth,primary,unemployed,6.7,1.6,1,salary_account,Stanbic,0,9,0.0,none,0,0,0,moderate_burden
Kenya,2019,urban,female,50,45-54,highest,none,unemployed,0.6,1.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2024,rural,male,71,55+,fourth,primary,employed_formal,21.4,8.1,1,savings,Standard Bank,1,0,366.01,none,0,1,0,moderate_burden
Senegal,2021,urban,female,41,35-44,fourth,secondary,self_employed,0.4,0.0,1,salary_account,Ecobank,2,0,2945.35,none,0,0,1,moderate_burden
Mali,2018,rural,male,48,45-54,second,secondary,employed_informal,9.5,6.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2018,urban,female,32,25-34,highest,none,self_employed,1.6,0.5,1,current,BDM,3,0,511.34,none,0,0,1,moderate_burden
Mali,2022,rural,male,50,45-54,second,primary,self_employed,0.1,8.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2021,rural,female,22,18-24,middle,primary,self_employed,11.7,5.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2021,urban,male,47,45-54,second,tertiary,student,2.6,0.4,1,savings,Ecobank,4,0,316.23,none,0,0,0,moderate_burden
Zambia,2024,rural,female,72,55+,lowest,tertiary,employed_informal,23.7,12.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2025,urban,female,63,55+,middle,none,unemployed,0.6,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2020,urban,male,44,35-44,second,primary,student,2.3,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,rural,male,20,18-24,second,tertiary,employed_informal,1.2,2.8,1,savings,Capitec,2,0,341.22,none,0,1,0,moderate_burden
Ethiopia,2020,rural,female,36,35-44,middle,secondary,employed_formal,4.0,16.4,1,savings,Commercial Bank of Ethiopia,0,14,0.0,none,0,0,0,moderate_burden
Zambia,2021,rural,female,28,25-34,middle,none,employed_formal,0.3,25.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ghana,2018,rural,male,30,25-34,second,none,self_employed,21.2,2.2,1,savings,GCB,1,0,210.64,none,0,0,0,moderate_burden
DRC,2024,rural,female,48,45-54,lowest,tertiary,employed_informal,3.9,2.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2022,urban,male,24,18-24,fourth,tertiary,employed_formal,1.4,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2023,urban,male,18,18-24,second,none,employed_informal,1.2,1.2,1,savings,Capitec,2,0,916.38,none,1,0,1,moderate_burden
Mali,2019,urban,female,56,55+,middle,secondary,unemployed,0.5,3.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2020,rural,male,64,55+,middle,secondary,self_employed,12.5,70.8,1,current,Rawbank,0,11,0.0,none,0,1,0,moderate_burden
South Africa,2024,rural,female,47,45-54,middle,tertiary,employed_informal,27.4,2.1,1,fixed_deposit,FNB,0,24,0.0,none,0,1,0,moderate_burden
Ghana,2024,urban,male,72,55+,lowest,tertiary,self_employed,0.9,0.0,1,savings,Absa,0,1,0.0,none,0,1,0,moderate_burden
Nigeria,2025,rural,female,37,35-44,second,secondary,student,8.8,0.5,1,savings,Zenith Bank,1,0,569.92,none,0,0,0,moderate_burden
South Africa,2019,rural,male,68,55+,second,primary,unemployed,23.9,34.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2018,rural,female,42,35-44,highest,primary,employed_informal,14.8,16.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2020,urban,male,69,55+,second,secondary,employed_informal,13.2,1.0,1,current,Awash Bank,1,0,259.02,none,0,0,0,moderate_burden
Ghana,2023,rural,male,20,18-24,fourth,none,self_employed,8.8,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2025,rural,male,62,55+,second,none,employed_informal,10.8,10.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2022,rural,female,55,45-54,second,tertiary,self_employed,8.1,1.9,1,salary_account,Fidelity,2,0,566.84,none,0,1,0,moderate_burden
Nigeria,2024,rural,female,26,25-34,second,primary,employed_formal,0.5,4.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2019,urban,female,32,25-34,highest,secondary,student,3.8,0.1,1,current,Absa,0,21,0.0,none,0,0,0,moderate_burden
Rwanda,2023,rural,female,31,25-34,middle,secondary,self_employed,1.2,12.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2019,rural,female,42,35-44,middle,secondary,self_employed,35.4,13.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2024,rural,female,51,45-54,fourth,secondary,employed_informal,22.1,1.1,1,savings,Standard Bank,0,17,0.0,none,1,1,0,moderate_burden
Uganda,2020,rural,female,69,55+,highest,primary,employed_formal,11.9,21.6,1,savings,KCB,2,0,1278.89,none,0,1,0,moderate_burden
Ghana,2018,rural,female,65,55+,lowest,tertiary,self_employed,25.4,3.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2024,rural,male,39,35-44,second,primary,employed_formal,52.9,16.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2018,rural,female,19,18-24,lowest,primary,self_employed,5.1,4.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2021,rural,male,47,45-54,fourth,none,unemployed,10.9,28.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2018,urban,female,52,45-54,highest,primary,employed_informal,1.8,1.6,1,fixed_deposit,Ecobank,0,3,0.0,none,0,0,1,moderate_burden
DRC,2018,urban,female,30,25-34,middle,secondary,employed_formal,4.2,1.5,1,savings,BCDC,3,0,671.45,none,0,0,0,moderate_burden
Ethiopia,2022,rural,female,69,55+,second,secondary,self_employed,42.4,21.1,1,savings,Dashen Bank,4,0,440.67,none,0,0,0,moderate_burden
Mozambique,2023,urban,male,24,18-24,second,secondary,unemployed,1.0,4.4,1,current,Moza Banco,2,0,1148.92,none,0,1,1,moderate_burden
Kenya,2024,urban,female,60,55+,middle,primary,self_employed,0.1,0.3,1,savings,Equity Bank,1,0,151.51,none,0,0,0,moderate_burden
Senegal,2018,rural,female,59,55+,lowest,tertiary,employed_informal,26.6,33.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2024,urban,male,43,35-44,second,secondary,student,8.5,0.0,1,current,Société Générale,0,3,0.0,none,0,0,0,moderate_burden
Mali,2025,urban,male,65,55+,fourth,secondary,employed_informal,4.6,0.2,1,savings,BMCD,1,0,604.45,none,0,0,0,moderate_burden
DRC,2018,rural,female,22,18-24,fourth,tertiary,self_employed,1.4,9.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2021,urban,female,20,18-24,highest,none,unemployed,1.8,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2025,rural,male,23,18-24,fourth,none,self_employed,16.0,6.3,1,savings,Ecobank,0,5,0.0,none,0,0,0,moderate_burden
Malawi,2018,rural,male,44,35-44,fourth,primary,unemployed,10.3,7.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2018,rural,female,52,45-54,lowest,tertiary,employed_informal,2.8,11.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2020,urban,female,31,25-34,highest,secondary,unemployed,1.2,0.9,1,savings,DFCU,1,0,1170.01,none,0,1,0,moderate_burden
DRC,2025,urban,female,62,55+,second,secondary,self_employed,1.6,1.6,1,savings,FBNBank,3,0,289.63,none,0,0,1,moderate_burden
Ghana,2024,urban,female,71,55+,lowest,none,employed_informal,1.0,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2023,rural,female,47,45-54,highest,primary,self_employed,1.2,3.2,1,savings,Absa,1,0,3151.81,none,0,1,0,moderate_burden
Mali,2023,urban,female,44,35-44,second,none,employed_formal,1.4,0.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2019,rural,female,30,25-34,highest,secondary,employed_formal,10.8,1.8,1,savings,BCI,4,0,945.79,none,0,1,0,moderate_burden
Tanzania,2022,rural,female,33,25-34,lowest,secondary,unemployed,41.8,15.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2018,rural,female,45,35-44,second,primary,unemployed,7.0,8.9,1,fixed_deposit,Absa,2,0,585.1,none,0,0,0,moderate_burden
Senegal,2022,rural,female,26,25-34,second,primary,self_employed,22.4,5.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2025,urban,male,59,55+,fourth,primary,self_employed,1.2,0.8,1,current,First Bank,2,0,1468.83,none,0,0,0,moderate_burden
South Africa,2020,urban,male,73,55+,fourth,secondary,employed_informal,0.6,0.8,1,current,FNB,0,4,0.0,none,0,0,0,moderate_burden
Mali,2019,rural,female,34,25-34,fourth,primary,unemployed,43.5,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2018,rural,female,43,35-44,fourth,tertiary,unemployed,17.6,4.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2023,rural,female,28,25-34,middle,tertiary,self_employed,12.1,5.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2019,urban,female,24,18-24,fourth,tertiary,unemployed,9.3,3.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2025,urban,female,50,45-54,middle,none,employed_informal,0.5,0.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mozambique,2025,urban,female,31,25-34,lowest,none,self_employed,0.4,0.4,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Kenya,2025,rural,female,66,55+,fourth,none,employed_informal,3.1,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2024,urban,male,40,35-44,fourth,primary,employed_formal,2.2,0.3,1,current,Ecobank,1,0,1730.72,none,1,1,0,moderate_burden
Mozambique,2018,rural,male,32,25-34,highest,primary,self_employed,30.6,5.3,1,current,Moza Banco,1,0,11847.8,none,0,0,0,moderate_burden
Ethiopia,2024,urban,female,37,35-44,fourth,none,self_employed,1.1,1.0,1,salary_account,Commercial Bank of Ethiopia,1,0,3005.56,none,0,0,1,moderate_burden
Ethiopia,2018,rural,female,43,35-44,highest,primary,employed_informal,6.8,0.9,1,current,Dashen Bank,4,0,3210.5,none,0,1,0,moderate_burden
DRC,2021,rural,male,55,45-54,lowest,primary,employed_formal,37.2,10.9,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2019,rural,male,42,35-44,highest,secondary,employed_formal,1.6,18.9,1,savings,GTBank,1,0,1190.23,none,0,0,1,moderate_burden
Ethiopia,2022,urban,female,56,55+,fourth,primary,employed_formal,0.7,0.5,1,savings,Dashen Bank,4,0,950.52,none,0,1,0,moderate_burden
Mozambique,2018,rural,female,73,55+,highest,secondary,self_employed,20.9,6.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2020,rural,female,24,18-24,lowest,primary,employed_informal,32.3,2.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2018,rural,female,47,45-54,lowest,secondary,employed_informal,11.5,4.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2024,urban,female,21,18-24,middle,tertiary,self_employed,0.1,0.8,1,salary_account,Equity Bank,3,0,545.9,none,1,1,1,moderate_burden
Uganda,2020,urban,male,41,35-44,lowest,none,employed_formal,0.1,5.8,1,savings,Equity Bank,2,0,212.25,none,1,0,0,moderate_burden
Rwanda,2020,rural,female,60,55+,highest,secondary,employed_formal,14.0,19.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2022,urban,female,67,55+,fourth,secondary,employed_informal,0.3,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2019,urban,male,42,35-44,highest,tertiary,employed_formal,1.1,0.7,1,current,Equity Bank,1,0,7848.24,none,0,0,0,moderate_burden
Zambia,2025,urban,female,26,25-34,highest,secondary,self_employed,0.4,0.5,1,savings,Stanbic,2,0,1760.84,none,1,1,0,moderate_burden
Senegal,2020,rural,female,35,25-34,second,secondary,self_employed,23.2,5.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2023,rural,male,28,25-34,second,tertiary,employed_informal,0.7,1.9,1,savings,Zanaco,0,11,0.0,none,0,1,0,moderate_burden
South Africa,2023,rural,female,70,55+,middle,secondary,employed_informal,21.5,2.4,1,current,FNB,0,21,0.0,none,0,0,0,moderate_burden
Tanzania,2021,urban,female,55,45-54,fourth,primary,unemployed,0.9,1.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2021,urban,female,46,45-54,second,primary,unemployed,1.4,3.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Senegal,2025,urban,male,26,25-34,middle,primary,employed_formal,0.4,0.3,1,salary_account,Société Générale,2,0,1054.06,none,0,1,0,moderate_burden
Niger,2025,rural,male,53,45-54,second,primary,self_employed,72.0,16.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2022,rural,male,56,55+,fourth,none,student,3.8,2.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2023,rural,female,65,55+,second,none,self_employed,1.7,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2021,rural,male,49,45-54,lowest,secondary,employed_informal,19.9,13.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2024,rural,male,63,55+,fourth,secondary,employed_formal,70.4,3.2,1,savings,National Bank,0,17,0.0,none,0,0,0,moderate_burden
Ghana,2023,urban,male,52,45-54,second,none,unemployed,10.1,0.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2024,rural,male,74,55+,highest,primary,employed_informal,1.1,15.5,1,savings,I&M Bank,2,0,1215.58,none,0,1,0,moderate_burden
Mozambique,2025,rural,male,69,55+,middle,secondary,student,8.4,15.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2024,rural,male,47,45-54,lowest,secondary,employed_informal,5.1,6.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2025,rural,female,46,45-54,lowest,primary,unemployed,11.6,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2024,urban,male,32,25-34,highest,secondary,employed_informal,12.3,1.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2019,rural,female,20,18-24,lowest,primary,employed_informal,2.8,1.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2019,rural,male,74,55+,middle,secondary,student,36.4,16.3,1,savings,NBS Bank,2,0,398.83,none,1,1,0,moderate_burden
Nigeria,2020,rural,female,56,55+,middle,primary,unemployed,42.5,2.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2019,rural,female,21,18-24,second,secondary,employed_formal,36.6,7.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2024,urban,female,53,45-54,second,secondary,self_employed,4.3,3.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2020,urban,male,58,55+,second,primary,self_employed,2.6,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2024,urban,female,37,35-44,second,primary,employed_informal,2.0,1.2,1,current,Equity Bank,2,0,354.54,none,1,1,0,moderate_burden
Ethiopia,2018,rural,male,31,25-34,middle,primary,employed_formal,7.7,4.7,1,savings,Dashen Bank,0,1,0.0,none,0,1,0,moderate_burden
Zambia,2023,urban,male,61,55+,second,none,employed_informal,0.1,3.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2018,rural,female,25,18-24,lowest,tertiary,self_employed,0.6,26.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2023,rural,female,57,55+,fourth,secondary,employed_informal,32.8,3.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2022,urban,female,71,55+,lowest,secondary,unemployed,3.1,0.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2021,urban,male,46,45-54,lowest,secondary,unemployed,12.7,1.5,1,savings,FNB,1,0,55.83,none,1,1,0,moderate_burden
Mozambique,2021,urban,male,48,45-54,second,secondary,employed_informal,1.8,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2018,rural,male,68,55+,middle,secondary,employed_informal,42.0,4.2,1,savings,Absa,3,0,1850.3,none,0,0,0,moderate_burden
Senegal,2024,rural,male,54,45-54,lowest,secondary,self_employed,0.8,4.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2024,urban,female,58,55+,fourth,secondary,unemployed,0.1,2.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2021,rural,male,22,18-24,second,primary,unemployed,3.5,11.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2024,rural,female,49,45-54,lowest,tertiary,self_employed,9.3,12.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2022,rural,female,37,35-44,fourth,tertiary,unemployed,21.1,11.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2020,rural,male,34,25-34,highest,secondary,employed_informal,14.7,12.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2024,urban,male,48,45-54,highest,secondary,employed_informal,5.3,0.0,1,savings,First National Bank,0,2,0.0,none,0,0,1,moderate_burden
Senegal,2022,rural,male,28,25-34,second,primary,employed_formal,16.7,1.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,rural,female,46,45-54,fourth,secondary,unemployed,63.3,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2025,urban,male,20,18-24,second,tertiary,employed_informal,0.9,1.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2023,urban,female,25,18-24,lowest,primary,unemployed,4.2,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2023,rural,female,24,18-24,middle,secondary,employed_informal,3.2,11.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2022,rural,female,54,45-54,second,primary,employed_informal,40.2,11.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2020,rural,male,67,55+,fourth,none,student,37.2,0.7,1,savings,Bank of Kigali,2,0,733.45,none,1,0,0,moderate_burden
Ethiopia,2020,urban,male,57,55+,second,secondary,student,2.5,0.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2020,rural,female,34,25-34,middle,primary,employed_informal,15.0,11.9,1,current,Zanaco,0,11,0.0,none,0,1,0,moderate_burden
Ghana,2022,urban,female,66,55+,fourth,secondary,unemployed,2.6,1.1,1,current,GCB,2,0,359.67,none,0,0,0,moderate_burden
Tanzania,2021,rural,male,26,25-34,highest,tertiary,unemployed,20.9,10.0,1,savings,Stanbic,0,20,0.0,none,0,1,0,moderate_burden
Mozambique,2024,rural,male,61,55+,fourth,primary,employed_informal,0.2,5.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,rural,female,61,55+,middle,tertiary,self_employed,4.1,29.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2019,urban,male,56,55+,lowest,secondary,employed_informal,9.1,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2020,rural,female,43,35-44,lowest,none,employed_informal,25.9,5.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2021,urban,female,26,25-34,highest,none,self_employed,1.4,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2023,urban,male,59,55+,highest,primary,unemployed,0.8,0.4,1,savings,Stanbic,3,0,3183.47,none,0,1,0,moderate_burden
Nigeria,2020,urban,male,28,25-34,fourth,secondary,employed_informal,0.4,3.9,1,savings,Access Bank,1,0,694.17,none,0,1,0,moderate_burden
Senegal,2023,rural,female,32,25-34,lowest,tertiary,student,12.3,4.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,urban,female,64,55+,lowest,none,unemployed,0.1,0.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2022,urban,male,55,45-54,lowest,none,employed_informal,0.0,3.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2023,rural,female,32,25-34,fourth,primary,self_employed,10.3,5.3,1,current,Ecobank,2,0,454.67,none,0,0,0,moderate_burden
Ghana,2023,urban,female,43,35-44,lowest,secondary,unemployed,0.4,1.1,1,savings,Absa,0,13,0.0,none,1,1,0,moderate_burden
DRC,2019,rural,male,35,25-34,highest,primary,student,26.8,5.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2020,rural,female,37,35-44,fourth,tertiary,employed_formal,9.3,1.5,1,savings,I&M Bank,1,0,724.11,none,0,0,0,moderate_burden
Niger,2019,urban,female,37,35-44,lowest,secondary,employed_informal,2.2,2.7,1,savings,Orabank,1,0,162.98,none,0,0,1,moderate_burden
Niger,2025,urban,female,71,55+,second,secondary,employed_informal,13.4,5.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2018,rural,male,39,35-44,fourth,none,self_employed,22.8,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2019,rural,female,25,18-24,highest,none,self_employed,7.8,3.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,urban,female,47,45-54,lowest,tertiary,employed_formal,1.1,0.9,1,salary_account,Commercial Bank of Ethiopia,4,0,359.13,none,0,1,0,moderate_burden
Tanzania,2024,rural,male,37,35-44,second,secondary,employed_formal,8.7,13.8,1,current,NBC,4,0,564.17,none,0,0,1,moderate_burden
Ghana,2023,urban,male,71,55+,highest,secondary,employed_informal,1.9,1.0,1,current,Stanbic,2,0,4519.29,none,0,1,1,moderate_burden
Tanzania,2023,rural,female,29,25-34,fourth,primary,employed_formal,34.8,9.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2023,rural,female,58,55+,second,none,self_employed,2.5,1.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2025,rural,female,31,25-34,middle,none,self_employed,62.5,20.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2018,urban,female,69,55+,middle,primary,self_employed,1.3,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2022,urban,female,33,25-34,middle,none,employed_informal,0.9,3.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2019,rural,male,49,45-54,second,primary,self_employed,31.8,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2020,urban,male,45,35-44,highest,tertiary,student,2.0,0.8,1,current,Millennium BIM,4,0,2306.55,none,0,1,0,moderate_burden
Mali,2025,urban,female,69,55+,highest,none,employed_informal,0.0,1.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2021,rural,female,41,35-44,second,tertiary,employed_informal,12.9,8.2,1,savings,NBS Bank,1,0,663.39,none,1,0,0,moderate_burden
DRC,2022,urban,female,44,35-44,middle,none,student,2.6,0.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2019,rural,male,25,18-24,middle,primary,unemployed,16.4,2.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2021,rural,female,42,35-44,lowest,primary,unemployed,8.1,9.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2025,rural,male,33,25-34,fourth,primary,employed_formal,36.3,16.7,1,savings,Stanbic,0,12,0.0,none,1,0,0,moderate_burden
Malawi,2019,rural,male,29,25-34,middle,primary,employed_informal,7.6,8.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2023,rural,female,41,35-44,second,secondary,student,37.6,20.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2022,rural,male,23,18-24,lowest,secondary,self_employed,5.5,17.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2020,rural,male,43,35-44,fourth,primary,unemployed,2.6,3.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2025,urban,female,74,55+,lowest,secondary,student,3.3,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2024,rural,female,35,25-34,fourth,none,self_employed,4.1,12.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2023,urban,female,63,55+,second,tertiary,employed_informal,1.0,0.8,1,current,Absa,2,0,206.66,none,0,1,1,moderate_burden
Malawi,2018,rural,female,48,45-54,middle,primary,employed_formal,7.9,3.1,1,savings,Standard Bank,1,0,261.19,none,0,0,0,moderate_burden
Uganda,2023,rural,male,42,35-44,second,primary,employed_formal,3.2,7.3,1,savings,KCB,1,0,2377.38,none,0,1,0,moderate_burden
Mali,2023,urban,male,74,55+,second,tertiary,self_employed,1.2,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2018,urban,female,57,55+,highest,none,unemployed,7.6,2.6,1,salary_account,Absa,2,0,2336.18,none,0,1,0,moderate_burden
Kenya,2020,rural,male,71,55+,fourth,none,unemployed,0.6,4.9,1,current,Stanbic,2,0,1186.35,none,0,0,0,moderate_burden
Rwanda,2021,rural,male,26,25-34,middle,primary,self_employed,6.9,2.1,1,savings,Bank of Kigali,1,0,244.47,none,0,0,1,moderate_burden
Ethiopia,2019,urban,female,53,45-54,second,none,unemployed,0.8,1.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2020,rural,male,30,25-34,second,secondary,unemployed,1.8,22.3,1,savings,Capitec,4,0,250.57,none,1,0,0,moderate_burden
Senegal,2024,rural,female,59,55+,lowest,secondary,employed_informal,21.3,1.4,1,current,BHS,2,0,355.91,none,0,1,1,moderate_burden
DRC,2023,urban,female,49,45-54,lowest,secondary,employed_informal,1.9,0.8,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2023,urban,male,70,55+,highest,none,employed_formal,0.5,1.4,1,salary_account,UBA,1,0,3971.86,none,1,1,1,moderate_burden
Malawi,2024,urban,female,72,55+,fourth,secondary,self_employed,4.4,0.3,1,savings,National Bank,2,0,302.18,none,0,0,0,moderate_burden
Rwanda,2021,rural,female,57,55+,second,secondary,unemployed,8.6,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2023,urban,female,22,18-24,lowest,primary,unemployed,1.6,5.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2019,rural,female,48,45-54,second,none,unemployed,6.8,9.9,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Niger,2023,rural,female,29,25-34,fourth,primary,unemployed,4.0,2.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2023,rural,male,63,55+,middle,secondary,employed_informal,2.6,2.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2024,urban,male,64,55+,lowest,primary,self_employed,13.0,4.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2022,rural,female,28,25-34,highest,secondary,unemployed,4.4,6.9,1,savings,Société Générale,2,0,2194.1,none,0,1,0,moderate_burden
Mozambique,2020,rural,male,51,45-54,second,primary,student,4.2,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2021,rural,female,39,35-44,middle,none,self_employed,10.9,3.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2021,rural,male,70,55+,second,primary,employed_informal,37.8,12.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2025,rural,male,31,25-34,second,secondary,employed_informal,67.8,2.9,1,savings,Ecobank,3,0,486.73,none,0,1,0,moderate_burden
Ghana,2022,rural,male,24,18-24,highest,secondary,unemployed,5.6,15.2,1,savings,Stanbic,3,0,2967.5,none,0,1,1,moderate_burden
Kenya,2019,rural,male,73,55+,middle,tertiary,unemployed,27.3,6.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2019,rural,female,52,45-54,lowest,secondary,student,56.4,4.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2024,rural,male,31,25-34,lowest,none,unemployed,12.4,27.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2022,urban,male,27,25-34,middle,none,unemployed,2.9,1.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2019,urban,male,56,55+,fourth,primary,unemployed,1.1,0.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2024,rural,female,70,55+,highest,secondary,unemployed,30.8,6.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2025,rural,female,73,55+,lowest,none,employed_informal,3.9,17.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2019,rural,female,21,18-24,highest,secondary,unemployed,16.7,5.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2024,urban,male,74,55+,second,tertiary,unemployed,3.2,0.7,1,savings,Zanaco,3,0,171.42,none,0,1,0,moderate_burden
Nigeria,2024,rural,female,57,55+,second,primary,unemployed,4.1,18.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2025,urban,male,32,25-34,middle,primary,self_employed,0.9,0.4,1,fixed_deposit,Ecobank,4,0,341.13,none,0,1,1,moderate_burden
Rwanda,2018,urban,male,26,25-34,middle,none,employed_informal,4.4,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2024,urban,female,52,45-54,middle,none,unemployed,1.0,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,rural,female,55,45-54,fourth,secondary,employed_informal,23.7,17.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2021,urban,male,31,25-34,second,primary,student,6.5,2.0,1,savings,Millennium BIM,2,0,214.07,none,0,1,0,moderate_burden
Niger,2025,urban,female,71,55+,middle,secondary,employed_informal,0.8,1.8,1,savings,Sonibank,4,0,311.62,none,0,0,0,moderate_burden
Mali,2023,urban,male,45,35-44,middle,secondary,self_employed,0.6,1.5,1,savings,Ecobank,3,0,253.19,none,0,0,0,moderate_burden
Nigeria,2024,rural,male,63,55+,lowest,primary,unemployed,6.3,12.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2020,rural,male,25,18-24,second,tertiary,unemployed,4.4,1.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Niger,2020,rural,male,27,25-34,second,secondary,unemployed,43.5,3.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2019,rural,female,63,55+,lowest,none,employed_informal,13.3,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2018,urban,male,50,45-54,fourth,primary,self_employed,8.7,0.5,1,savings,Standard Bank,1,0,153.54,none,0,1,1,moderate_burden
South Africa,2018,rural,female,62,55+,highest,secondary,employed_informal,9.6,9.2,1,fixed_deposit,Absa,0,2,0.0,none,1,0,0,moderate_burden
Ghana,2025,rural,male,48,45-54,fourth,primary,employed_informal,28.4,38.4,1,savings,Fidelity,2,0,445.12,none,1,1,0,moderate_burden
Ethiopia,2024,urban,female,48,45-54,lowest,primary,unemployed,5.4,3.6,1,savings,Awash Bank,2,0,79.42,none,0,1,0,moderate_burden
Malawi,2025,urban,female,45,35-44,fourth,primary,student,0.6,0.1,1,current,NBS Bank,1,0,1037.31,none,0,0,1,moderate_burden
DRC,2018,rural,male,59,55+,lowest,none,employed_informal,10.8,8.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2022,rural,male,18,18-24,lowest,secondary,employed_informal,22.2,10.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2022,rural,female,22,18-24,fourth,primary,self_employed,17.4,2.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2018,rural,male,33,25-34,lowest,secondary,unemployed,26.6,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2025,rural,female,39,35-44,second,secondary,employed_informal,10.2,4.3,1,savings,Absa,1,0,314.92,none,0,1,0,moderate_burden
Ghana,2022,urban,male,47,45-54,fourth,primary,employed_formal,0.0,2.9,1,current,Fidelity,4,0,1155.69,none,0,1,0,moderate_burden
Rwanda,2018,rural,female,49,45-54,highest,tertiary,employed_formal,1.3,8.8,1,salary_account,I&M Bank,1,0,5928.45,none,1,0,0,moderate_burden
Mozambique,2024,urban,male,37,35-44,second,primary,employed_informal,7.5,1.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2020,rural,male,50,45-54,lowest,primary,student,23.3,7.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ethiopia,2022,rural,female,20,18-24,second,secondary,employed_informal,31.9,19.2,1,savings,Commercial Bank of Ethiopia,3,0,106.82,none,0,1,0,moderate_burden
Mozambique,2023,rural,female,42,35-44,fourth,tertiary,self_employed,5.6,26.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Nigeria,2023,urban,female,42,35-44,fourth,none,employed_informal,3.8,2.6,1,savings,Zenith Bank,0,10,0.0,none,0,0,1,moderate_burden
Tanzania,2024,urban,female,61,55+,middle,primary,student,0.6,1.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2021,rural,female,30,25-34,lowest,tertiary,employed_informal,9.3,9.1,1,salary_account,Zenith Bank,1,0,66.71,none,0,1,0,moderate_burden
Nigeria,2022,rural,male,26,25-34,lowest,primary,employed_formal,6.3,0.1,1,savings,Access Bank,1,0,120.24,none,0,0,0,moderate_burden
Senegal,2021,urban,female,44,35-44,highest,secondary,unemployed,2.8,0.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2024,rural,female,39,35-44,lowest,none,employed_informal,5.7,1.7,1,current,Zanaco,1,0,248.66,none,0,0,0,moderate_burden
Tanzania,2024,rural,female,57,55+,middle,primary,employed_informal,77.0,3.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2021,rural,female,41,35-44,fourth,primary,unemployed,43.8,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2022,rural,female,54,45-54,fourth,secondary,unemployed,6.1,0.0,1,current,Ecobank,4,0,771.71,none,0,0,0,moderate_burden
Niger,2023,rural,male,29,25-34,second,secondary,unemployed,1.8,3.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,rural,female,55,45-54,fourth,primary,employed_informal,2.6,9.3,1,savings,Commercial Bank of Ethiopia,2,0,1731.62,none,1,0,0,moderate_burden
DRC,2022,urban,female,50,45-54,lowest,none,employed_informal,0.6,1.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2020,urban,female,20,18-24,second,primary,self_employed,5.9,0.5,1,current,Capitec,2,0,1669.34,none,0,0,1,moderate_burden
Mali,2025,urban,female,69,55+,lowest,secondary,employed_formal,0.1,0.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2025,urban,female,44,35-44,fourth,primary,self_employed,0.2,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2023,rural,male,57,55+,second,tertiary,student,4.5,5.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2018,rural,female,44,35-44,middle,primary,self_employed,5.5,7.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2019,rural,female,70,55+,second,secondary,unemployed,17.2,0.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2025,rural,male,59,55+,lowest,secondary,self_employed,1.1,6.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2018,rural,female,68,55+,lowest,none,self_employed,17.3,5.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ghana,2019,rural,male,55,45-54,lowest,none,self_employed,11.9,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2021,urban,female,33,25-34,highest,tertiary,unemployed,4.7,0.6,1,savings,Standard Bank,0,22,0.0,none,0,1,1,moderate_burden
Rwanda,2018,rural,male,49,45-54,highest,primary,unemployed,1.5,2.9,1,fixed_deposit,Ecobank,1,0,5196.27,none,0,1,0,moderate_burden
DRC,2023,rural,female,64,55+,lowest,primary,employed_informal,0.7,9.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2018,urban,female,55,45-54,lowest,secondary,employed_formal,2.0,5.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2019,rural,female,68,55+,lowest,none,employed_informal,8.5,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,urban,female,64,55+,middle,secondary,self_employed,2.3,0.2,1,savings,Ecobank,4,0,963.23,none,0,0,0,moderate_burden
DRC,2023,rural,male,53,45-54,middle,none,self_employed,8.3,4.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2018,urban,female,72,55+,lowest,primary,self_employed,15.0,3.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2025,urban,male,62,55+,lowest,primary,employed_formal,7.8,0.6,1,savings,BHS,1,0,848.05,none,0,0,1,moderate_burden
Tanzania,2022,urban,male,21,18-24,middle,primary,employed_informal,3.8,3.2,1,savings,CRDB,1,0,175.24,none,1,1,0,moderate_burden
Senegal,2018,rural,female,66,55+,fourth,tertiary,employed_formal,35.5,15.5,1,savings,BHS,0,24,0.0,none,0,1,0,moderate_burden
Uganda,2019,rural,female,20,18-24,second,secondary,self_employed,13.8,3.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2020,rural,male,46,45-54,highest,none,self_employed,10.3,0.1,1,current,Equity BCDC,1,0,2632.27,none,0,0,0,moderate_burden
Senegal,2019,rural,male,22,18-24,second,tertiary,employed_informal,0.0,1.1,1,savings,Ecobank,1,0,792.72,none,0,1,0,moderate_burden
Zambia,2022,urban,female,22,18-24,lowest,secondary,self_employed,0.2,0.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2024,rural,male,72,55+,middle,secondary,unemployed,2.5,2.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2018,rural,female,39,35-44,lowest,secondary,employed_formal,14.4,1.4,1,fixed_deposit,Capitec,3,0,180.43,none,0,0,0,moderate_burden
Nigeria,2020,rural,male,53,45-54,second,secondary,self_employed,2.4,3.1,1,salary_account,UBA,4,0,778.8,none,0,1,0,moderate_burden
DRC,2023,rural,female,40,35-44,lowest,tertiary,employed_informal,19.9,17.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2019,urban,female,44,35-44,second,secondary,unemployed,6.3,1.7,1,salary_account,Ecobank,2,0,461.49,none,0,0,1,moderate_burden
Rwanda,2018,rural,male,26,25-34,lowest,primary,unemployed,3.8,2.7,1,savings,Equity Bank,2,0,140.06,none,1,0,0,moderate_burden
Ethiopia,2025,urban,female,32,25-34,lowest,tertiary,unemployed,0.1,2.8,1,fixed_deposit,Commercial Bank of Ethiopia,0,1,0.0,none,0,0,0,moderate_burden
Mali,2020,urban,female,38,35-44,fourth,primary,self_employed,0.6,0.8,1,savings,BDM,1,0,433.82,none,0,0,0,moderate_burden
Zambia,2021,rural,female,62,55+,second,none,employed_formal,35.7,8.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Kenya,2021,rural,female,19,18-24,second,secondary,self_employed,10.5,8.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2022,rural,female,72,55+,lowest,none,employed_formal,38.2,0.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2018,rural,female,61,55+,middle,secondary,self_employed,1.0,3.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2024,urban,male,50,45-54,fourth,none,employed_informal,1.6,0.8,1,salary_account,Commercial Bank of Ethiopia,1,0,940.66,none,1,0,1,moderate_burden
Mali,2022,urban,male,43,35-44,highest,primary,self_employed,1.8,1.6,1,savings,BMCD,2,0,1025.7,none,0,1,1,moderate_burden
DRC,2019,rural,female,42,35-44,lowest,none,self_employed,8.3,5.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2019,rural,female,53,45-54,second,tertiary,employed_formal,6.2,7.7,1,savings,Cooperative Bank,2,0,159.02,none,0,1,0,moderate_burden
DRC,2022,rural,male,29,25-34,fourth,none,unemployed,8.2,13.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2022,urban,female,32,25-34,second,primary,employed_informal,0.5,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2020,urban,female,32,25-34,second,none,employed_formal,12.9,1.2,1,savings,Absa,0,11,0.0,none,0,0,0,moderate_burden
Rwanda,2025,urban,female,38,35-44,middle,secondary,employed_informal,7.2,0.4,1,savings,Equity Bank,2,0,317.01,none,0,0,1,moderate_burden
Mozambique,2020,rural,male,38,35-44,fourth,primary,student,10.5,15.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2024,urban,female,57,55+,lowest,secondary,student,8.7,1.5,1,salary_account,Absa,1,0,200.82,none,0,1,0,moderate_burden
Mali,2024,rural,male,60,55+,lowest,none,self_employed,11.6,14.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2019,rural,female,65,55+,lowest,primary,employed_informal,35.0,17.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2021,urban,male,44,35-44,fourth,tertiary,unemployed,2.2,0.5,1,current,DFCU,0,16,0.0,none,1,0,1,moderate_burden
Ethiopia,2025,urban,female,57,55+,second,primary,unemployed,0.2,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2023,rural,female,74,55+,highest,tertiary,unemployed,19.2,19.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2022,urban,male,57,55+,fourth,primary,self_employed,5.8,0.5,1,savings,Absa,1,0,2523.8,none,0,0,0,moderate_burden
Mozambique,2025,rural,male,38,35-44,highest,primary,employed_informal,7.3,4.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2024,urban,female,63,55+,fourth,primary,self_employed,2.7,1.0,1,current,NCBA,1,0,566.48,none,0,0,0,moderate_burden
Ghana,2018,rural,female,65,55+,second,secondary,self_employed,17.6,4.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2018,urban,male,74,55+,fourth,primary,self_employed,0.3,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2022,rural,male,72,55+,fourth,secondary,student,9.2,4.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2022,urban,male,46,45-54,fourth,secondary,employed_informal,0.7,2.0,1,savings,Stanbic,0,21,0.0,none,1,0,0,moderate_burden
DRC,2019,urban,female,40,35-44,second,none,self_employed,0.1,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,urban,female,52,45-54,lowest,secondary,unemployed,6.5,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2023,urban,female,41,35-44,lowest,secondary,student,0.8,2.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2020,urban,male,29,25-34,lowest,tertiary,employed_informal,1.0,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2018,urban,female,38,35-44,middle,secondary,student,1.5,1.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2020,rural,female,29,25-34,middle,primary,self_employed,5.5,0.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2023,urban,female,60,55+,second,secondary,unemployed,1.4,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2021,rural,male,61,55+,fourth,none,unemployed,50.4,33.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2020,urban,male,63,55+,fourth,tertiary,student,0.7,2.9,1,savings,Capitec,2,0,771.77,none,0,1,0,moderate_burden
Kenya,2023,rural,male,58,55+,middle,none,employed_informal,2.1,2.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2022,urban,male,29,25-34,second,primary,unemployed,2.5,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2023,rural,female,24,18-24,lowest,primary,student,17.7,3.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2022,rural,female,67,55+,fourth,secondary,self_employed,17.4,52.1,1,savings,Ecobank,1,0,367.97,none,0,0,0,moderate_burden
Uganda,2018,urban,male,71,55+,highest,secondary,employed_informal,6.2,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2020,rural,female,74,55+,lowest,none,employed_formal,5.6,12.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2025,urban,female,22,18-24,fourth,secondary,self_employed,5.5,0.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2025,rural,female,23,18-24,lowest,primary,student,23.8,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2019,urban,male,20,18-24,lowest,primary,student,8.6,0.4,1,salary_account,GCB,1,0,270.62,none,1,1,0,moderate_burden
Mali,2023,rural,female,55,45-54,fourth,none,employed_informal,22.9,10.9,1,current,BDM,1,0,356.78,none,0,1,0,moderate_burden
Niger,2018,rural,male,21,18-24,lowest,secondary,self_employed,2.7,6.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2024,urban,male,36,35-44,second,none,unemployed,0.9,1.5,1,savings,Stanbic,1,0,201.02,none,0,1,0,moderate_burden
Mozambique,2022,rural,female,23,18-24,lowest,tertiary,unemployed,34.7,3.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2023,rural,female,61,55+,second,secondary,unemployed,9.3,3.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2019,rural,male,58,55+,lowest,secondary,unemployed,5.1,2.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2020,rural,male,70,55+,middle,secondary,employed_formal,6.6,23.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2025,rural,female,61,55+,middle,primary,employed_formal,23.2,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2018,rural,female,22,18-24,highest,primary,self_employed,2.3,20.0,1,fixed_deposit,Absa,1,0,873.89,none,0,0,0,moderate_burden
Rwanda,2019,rural,male,64,55+,lowest,primary,unemployed,24.3,11.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2024,rural,female,71,55+,second,secondary,employed_informal,11.0,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2020,rural,female,28,25-34,lowest,secondary,employed_formal,1.4,15.5,1,current,Standard Bank,3,0,696.92,none,0,0,0,moderate_burden
Tanzania,2018,urban,female,64,55+,middle,primary,unemployed,9.4,1.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,rural,female,22,18-24,highest,tertiary,employed_formal,1.8,10.6,1,savings,Cooperative Bank,2,0,431.29,none,0,1,0,moderate_burden
Zambia,2021,urban,female,74,55+,fourth,primary,employed_informal,2.1,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2025,rural,female,37,35-44,second,primary,employed_informal,21.2,6.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2024,rural,male,66,55+,lowest,tertiary,self_employed,0.9,1.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2022,rural,male,31,25-34,second,primary,unemployed,98.8,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2023,rural,female,66,55+,middle,secondary,unemployed,1.5,7.1,1,savings,Absa,0,5,0.0,none,0,1,1,moderate_burden
Nigeria,2019,urban,female,30,25-34,middle,none,self_employed,0.7,0.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2025,urban,female,22,18-24,fourth,none,employed_informal,7.9,0.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2020,rural,male,61,55+,second,primary,employed_formal,32.6,11.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2021,urban,male,46,45-54,second,primary,employed_informal,3.8,1.5,1,current,Awash Bank,4,0,176.84,none,1,1,0,moderate_burden
Kenya,2019,urban,female,30,25-34,middle,secondary,self_employed,0.4,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2023,urban,female,62,55+,middle,none,employed_informal,4.8,4.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2019,urban,female,25,18-24,lowest,secondary,unemployed,2.5,3.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2022,rural,female,73,55+,lowest,primary,student,0.4,10.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2021,urban,female,42,35-44,middle,primary,unemployed,0.6,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2025,rural,male,47,45-54,fourth,primary,unemployed,2.3,14.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,urban,female,43,35-44,lowest,secondary,employed_informal,1.7,0.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2020,urban,female,44,35-44,highest,secondary,self_employed,0.2,9.7,1,savings,Standard Bank,0,22,0.0,none,0,1,0,moderate_burden
Mali,2025,urban,female,67,55+,fourth,none,employed_informal,1.7,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2024,urban,male,33,25-34,second,secondary,unemployed,0.5,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2021,rural,female,49,45-54,lowest,secondary,self_employed,23.4,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2020,urban,male,23,18-24,middle,none,employed_formal,0.0,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,urban,female,41,35-44,second,primary,student,4.4,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2025,rural,female,66,55+,middle,secondary,unemployed,8.7,10.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Zambia,2020,urban,female,53,45-54,second,primary,unemployed,1.3,1.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2018,urban,male,70,55+,second,primary,employed_formal,0.5,0.5,1,current,Absa,2,0,409.83,none,0,1,0,moderate_burden
South Africa,2021,rural,female,33,25-34,lowest,tertiary,employed_informal,7.9,3.4,1,savings,Nedbank,2,0,149.33,none,0,1,0,moderate_burden
Kenya,2024,urban,male,31,25-34,second,none,self_employed,4.4,0.4,1,current,Equity Bank,1,0,489.46,none,0,0,0,moderate_burden
Malawi,2024,rural,female,40,35-44,middle,primary,employed_informal,9.8,13.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2021,rural,female,62,55+,middle,tertiary,employed_informal,18.0,5.4,1,savings,First Bank,1,0,403.75,none,1,1,1,moderate_burden
Mozambique,2020,rural,male,44,35-44,second,secondary,unemployed,3.5,14.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2022,urban,male,68,55+,lowest,none,employed_informal,1.9,2.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2020,rural,female,40,35-44,highest,secondary,employed_formal,14.1,4.4,1,salary_account,NMB,3,0,909.73,none,0,1,0,moderate_burden
Nigeria,2018,urban,female,41,35-44,fourth,tertiary,employed_formal,0.0,0.8,1,savings,Access Bank,4,0,1570.05,none,0,0,0,moderate_burden
Malawi,2022,urban,female,53,45-54,highest,secondary,employed_informal,4.7,0.1,1,savings,NBS Bank,3,0,1549.07,none,1,0,1,moderate_burden
Rwanda,2018,rural,female,59,55+,highest,secondary,employed_informal,20.7,2.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2024,urban,male,66,55+,fourth,none,employed_informal,1.5,1.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2023,urban,female,19,18-24,middle,none,unemployed,1.7,0.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2018,rural,female,37,35-44,second,secondary,self_employed,8.9,7.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2019,rural,female,53,45-54,lowest,secondary,self_employed,12.3,14.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2019,urban,female,20,18-24,highest,secondary,student,0.2,2.5,1,savings,Coris Bank,0,24,0.0,none,1,1,1,moderate_burden
Uganda,2023,rural,female,18,18-24,middle,none,self_employed,42.2,18.5,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2023,rural,female,35,25-34,fourth,secondary,employed_informal,26.0,6.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2022,rural,female,57,55+,fourth,none,self_employed,19.4,3.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2025,urban,male,19,18-24,middle,secondary,unemployed,0.5,0.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2020,urban,female,34,25-34,lowest,none,employed_informal,0.5,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2020,rural,female,58,55+,fourth,secondary,employed_informal,11.8,1.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2019,rural,male,45,35-44,middle,none,employed_formal,25.7,5.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2023,rural,female,34,25-34,middle,none,self_employed,17.5,9.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2022,rural,female,74,55+,middle,primary,self_employed,0.0,14.0,1,savings,Fidelity,1,0,1048.74,none,1,0,0,moderate_burden
Senegal,2025,rural,male,71,55+,highest,secondary,employed_informal,19.2,7.8,1,fixed_deposit,Société Générale,2,0,600.3,none,0,0,0,moderate_burden
DRC,2023,rural,male,28,25-34,highest,primary,employed_informal,5.6,28.0,1,savings,FBNBank,1,0,552.99,none,1,1,0,moderate_burden
Mali,2018,rural,female,35,25-34,lowest,secondary,self_employed,4.1,30.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2021,rural,female,67,55+,fourth,secondary,employed_informal,28.4,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2019,rural,male,65,55+,lowest,secondary,unemployed,8.9,2.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2023,rural,male,23,18-24,fourth,tertiary,self_employed,16.2,19.2,1,current,I&M Bank,3,0,685.2,none,0,0,0,moderate_burden
Senegal,2025,rural,female,39,35-44,fourth,primary,self_employed,12.7,9.9,1,savings,BHS,0,10,0.0,none,0,0,0,moderate_burden
Mozambique,2023,rural,female,68,55+,middle,primary,unemployed,18.4,0.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2022,rural,female,37,35-44,second,tertiary,self_employed,29.4,15.2,1,savings,Bank of Kigali,2,0,870.76,none,0,1,1,moderate_burden
Mali,2024,rural,male,49,45-54,lowest,primary,employed_formal,6.4,5.7,1,savings,BDM,1,0,182.86,none,0,0,0,moderate_burden
Mozambique,2018,urban,female,45,35-44,middle,tertiary,employed_informal,2.8,2.4,1,current,Standard Bank,2,0,554.54,none,0,0,0,moderate_burden
Mozambique,2022,rural,female,69,55+,middle,secondary,student,1.5,3.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2020,rural,female,49,45-54,highest,secondary,employed_informal,31.1,2.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2025,urban,male,63,55+,highest,primary,self_employed,10.3,1.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2024,rural,male,71,55+,middle,primary,student,7.3,3.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2018,rural,male,22,18-24,second,tertiary,unemployed,0.8,0.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2024,rural,female,56,55+,fourth,secondary,self_employed,11.7,8.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2025,urban,male,64,55+,fourth,tertiary,self_employed,6.3,7.1,1,savings,Cooperative Bank,2,0,351.25,none,0,1,0,moderate_burden
Tanzania,2022,rural,female,52,45-54,fourth,tertiary,employed_formal,1.4,10.3,1,savings,NMB,1,0,1810.49,none,0,1,1,moderate_burden
Malawi,2018,urban,male,18,18-24,highest,secondary,self_employed,3.0,1.0,1,savings,National Bank,3,0,934.63,none,0,1,1,moderate_burden
Zambia,2019,rural,male,68,55+,highest,primary,employed_formal,2.7,8.4,1,current,Stanbic,0,19,0.0,none,1,1,0,moderate_burden
Niger,2020,rural,male,66,55+,fourth,primary,student,1.7,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2020,urban,female,48,45-54,middle,secondary,student,3.8,2.3,1,salary_account,Société Générale,0,24,0.0,none,0,1,1,moderate_burden
Nigeria,2022,rural,female,66,55+,lowest,primary,employed_informal,9.9,2.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2019,rural,female,34,25-34,fourth,primary,employed_informal,48.3,2.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2020,rural,male,41,35-44,lowest,secondary,employed_informal,1.6,24.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2024,rural,female,24,18-24,second,secondary,unemployed,9.7,10.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2019,urban,male,60,55+,second,none,student,0.2,1.6,1,fixed_deposit,Absa,3,0,518.83,none,0,1,1,moderate_burden
Tanzania,2020,rural,female,72,55+,middle,primary,self_employed,10.4,4.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2022,urban,female,59,55+,middle,secondary,self_employed,3.5,0.4,1,fixed_deposit,KCB,1,0,157.17,none,0,0,0,moderate_burden
Ethiopia,2018,urban,female,62,55+,highest,tertiary,self_employed,1.7,0.1,1,current,Awash Bank,1,0,3676.32,none,0,0,1,moderate_burden
Kenya,2022,rural,male,28,25-34,lowest,primary,unemployed,11.0,2.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2023,urban,male,37,35-44,lowest,none,self_employed,1.3,3.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2025,urban,female,55,45-54,fourth,primary,unemployed,6.2,1.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2023,rural,female,65,55+,highest,secondary,unemployed,36.4,21.5,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2019,urban,male,43,35-44,lowest,secondary,self_employed,2.0,4.2,1,fixed_deposit,Capitec,1,0,125.62,none,0,0,0,moderate_burden
Kenya,2025,urban,female,68,55+,lowest,secondary,unemployed,16.9,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2022,rural,female,67,55+,second,secondary,employed_formal,2.4,6.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2019,rural,male,71,55+,lowest,secondary,employed_informal,25.6,3.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2024,rural,female,55,45-54,lowest,primary,self_employed,5.2,1.5,1,salary_account,FNB,0,10,0.0,none,0,0,1,moderate_burden
Tanzania,2020,urban,female,37,35-44,fourth,secondary,student,5.2,0.1,1,savings,NMB,1,0,736.0,none,0,1,0,moderate_burden
DRC,2024,rural,male,41,35-44,fourth,secondary,self_employed,6.9,7.1,1,current,FBNBank,0,15,0.0,none,0,1,0,moderate_burden
DRC,2024,rural,male,58,55+,middle,tertiary,unemployed,25.5,2.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2024,urban,female,18,18-24,lowest,none,student,1.3,1.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2023,urban,female,22,18-24,middle,none,employed_informal,1.4,1.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2021,rural,male,39,35-44,highest,secondary,employed_informal,26.0,0.5,1,current,Dashen Bank,3,0,2537.72,none,0,1,0,moderate_burden
Zambia,2022,urban,male,68,55+,middle,none,self_employed,1.8,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2021,urban,female,48,45-54,middle,none,unemployed,0.6,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2025,rural,female,70,55+,lowest,none,self_employed,18.5,8.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2021,rural,male,19,18-24,lowest,secondary,unemployed,25.6,10.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2018,rural,male,30,25-34,middle,none,employed_informal,1.8,11.3,1,savings,First National Bank,1,0,407.33,none,0,0,1,moderate_burden
Zambia,2021,rural,male,62,55+,second,tertiary,student,38.4,21.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2022,rural,male,25,18-24,fourth,secondary,unemployed,3.1,3.8,1,current,GTBank,3,0,662.5,none,0,1,0,moderate_burden
Rwanda,2025,rural,female,19,18-24,second,none,employed_formal,33.6,14.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2019,rural,male,41,35-44,lowest,primary,self_employed,5.9,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,rural,female,51,45-54,middle,primary,employed_informal,8.4,3.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2025,rural,female,30,25-34,highest,none,self_employed,0.6,19.4,1,salary_account,NMB,2,0,2568.99,none,1,0,0,moderate_burden
Mozambique,2021,urban,female,39,35-44,lowest,secondary,unemployed,0.4,1.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2018,rural,male,18,18-24,highest,primary,unemployed,1.4,9.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,urban,female,50,45-54,second,primary,employed_informal,4.1,0.9,1,current,Standard Bank,3,0,226.95,none,0,1,0,moderate_burden
Kenya,2020,rural,female,26,25-34,highest,tertiary,self_employed,13.9,3.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2020,urban,male,18,18-24,fourth,primary,student,2.7,3.1,1,current,BHS,0,21,0.0,none,0,1,0,moderate_burden
Rwanda,2022,rural,male,40,35-44,middle,tertiary,student,7.8,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2018,rural,female,72,55+,highest,none,unemployed,78.1,5.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2020,rural,female,37,35-44,middle,primary,self_employed,4.4,7.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2020,urban,female,72,55+,second,primary,self_employed,2.0,0.4,1,salary_account,Absa,1,0,143.94,none,0,0,1,moderate_burden
Ghana,2022,rural,male,27,25-34,lowest,secondary,unemployed,21.4,14.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2024,rural,female,21,18-24,fourth,none,employed_informal,24.6,0.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2019,urban,male,18,18-24,middle,none,employed_informal,1.2,0.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2018,rural,male,38,35-44,second,primary,employed_formal,54.7,1.1,1,salary_account,Capitec,0,4,0.0,none,0,1,0,moderate_burden
Niger,2019,rural,male,55,45-54,second,primary,employed_informal,5.6,6.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2022,rural,female,50,45-54,middle,primary,self_employed,14.2,3.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2019,urban,male,52,45-54,lowest,secondary,employed_formal,0.5,3.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2018,rural,female,69,55+,lowest,tertiary,employed_formal,3.4,3.2,1,salary_account,BCI,0,9,0.0,none,0,1,0,moderate_burden
DRC,2020,rural,female,41,35-44,highest,secondary,student,1.6,8.0,1,savings,Equity BCDC,0,6,0.0,none,1,0,0,moderate_burden
Nigeria,2022,rural,male,62,55+,middle,secondary,employed_formal,28.6,13.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2025,urban,female,65,55+,highest,secondary,unemployed,3.3,4.3,1,current,Absa,2,0,1066.69,none,0,0,0,moderate_burden
Senegal,2022,rural,female,60,55+,second,none,self_employed,7.0,2.6,1,current,CBAO,1,0,166.62,none,0,0,0,moderate_burden
Malawi,2018,urban,female,66,55+,second,secondary,self_employed,2.0,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2025,rural,female,26,25-34,second,secondary,self_employed,4.5,2.4,1,savings,Stanbic,3,0,190.37,none,0,0,0,moderate_burden
Uganda,2021,urban,male,72,55+,second,primary,unemployed,0.4,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2023,rural,male,25,18-24,middle,secondary,self_employed,1.6,5.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2020,rural,female,50,45-54,second,primary,student,23.5,0.9,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2024,rural,female,47,45-54,second,none,self_employed,7.6,11.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2023,rural,male,24,18-24,second,secondary,employed_informal,12.1,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,urban,female,25,18-24,middle,secondary,unemployed,0.1,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2025,urban,female,19,18-24,lowest,tertiary,employed_informal,14.2,0.6,1,savings,Zenith Bank,3,0,33.98,none,0,0,0,moderate_burden
Zambia,2020,rural,male,73,55+,middle,primary,unemployed,13.4,12.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2022,urban,male,22,18-24,lowest,primary,employed_informal,0.9,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2022,urban,male,54,45-54,middle,none,self_employed,1.9,1.0,1,current,Equity Bank,2,0,732.0,none,0,0,0,moderate_burden
Uganda,2023,rural,male,45,35-44,fourth,primary,unemployed,7.4,10.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2018,urban,male,26,25-34,second,secondary,employed_formal,7.3,0.7,1,savings,Stanbic,1,0,690.27,none,0,0,1,moderate_burden
Malawi,2022,urban,female,58,55+,lowest,primary,employed_formal,0.8,0.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2022,rural,female,60,55+,highest,secondary,unemployed,5.7,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ethiopia,2025,urban,female,31,25-34,middle,primary,unemployed,0.7,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2025,rural,female,62,55+,lowest,primary,employed_informal,11.3,15.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2023,rural,female,27,25-34,middle,primary,unemployed,50.0,8.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2025,rural,female,65,55+,lowest,primary,unemployed,48.6,6.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2022,rural,female,60,55+,middle,secondary,unemployed,24.2,18.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2018,urban,male,70,55+,highest,none,unemployed,1.6,1.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2023,rural,male,71,55+,middle,primary,self_employed,1.0,2.2,1,savings,Stanbic,2,0,217.34,none,0,0,0,moderate_burden
Malawi,2018,rural,female,56,55+,lowest,secondary,employed_informal,36.1,13.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2024,urban,female,43,35-44,highest,primary,unemployed,0.5,0.9,1,savings,KCB,2,0,6759.43,none,0,1,0,moderate_burden
Zambia,2025,rural,female,67,55+,middle,secondary,employed_informal,7.2,4.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2021,urban,male,56,55+,lowest,none,employed_informal,2.0,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2023,rural,male,46,45-54,highest,none,self_employed,14.0,1.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2022,urban,female,68,55+,highest,tertiary,self_employed,2.9,0.1,1,salary_account,Société Générale,2,0,451.05,none,0,0,1,moderate_burden
Tanzania,2018,urban,female,64,55+,lowest,primary,self_employed,0.2,1.1,1,savings,Stanbic,2,0,111.59,none,0,1,0,moderate_burden
Kenya,2021,rural,female,46,45-54,fourth,none,self_employed,14.5,6.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2018,urban,female,34,25-34,middle,primary,self_employed,4.5,0.9,1,savings,NBS Bank,2,0,319.05,none,0,0,1,moderate_burden
Nigeria,2018,rural,female,23,18-24,fourth,primary,employed_informal,15.7,4.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2022,urban,male,69,55+,middle,tertiary,student,4.8,1.5,1,current,CBAO,2,0,416.82,none,1,0,1,moderate_burden
Nigeria,2018,urban,male,43,35-44,second,primary,employed_informal,4.9,0.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2020,urban,male,37,35-44,lowest,secondary,unemployed,8.6,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2024,urban,female,63,55+,second,primary,employed_formal,3.5,6.0,1,salary_account,Dashen Bank,2,0,258.84,none,0,0,0,moderate_burden
Mali,2020,rural,male,61,55+,lowest,tertiary,employed_formal,7.2,9.0,1,savings,BMCD,4,0,243.88,none,0,0,1,moderate_burden
DRC,2022,rural,female,46,45-54,lowest,secondary,employed_informal,5.3,2.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2021,urban,female,43,35-44,middle,none,self_employed,8.9,0.8,1,current,NMB,2,0,1119.14,none,0,1,0,moderate_burden
Malawi,2019,rural,female,51,45-54,second,secondary,self_employed,15.5,0.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2024,urban,male,34,25-34,second,primary,unemployed,0.8,1.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2024,rural,male,73,55+,fourth,secondary,self_employed,0.7,0.7,1,fixed_deposit,Absa,2,0,1018.6,none,0,1,0,moderate_burden
Senegal,2020,rural,female,56,55+,highest,tertiary,unemployed,6.1,9.0,1,savings,Ecobank,0,17,0.0,none,0,0,0,moderate_burden
Uganda,2019,rural,male,47,45-54,highest,secondary,employed_informal,6.3,0.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2025,rural,male,43,35-44,highest,tertiary,employed_formal,9.2,7.6,1,salary_account,Zenith Bank,1,0,565.75,none,1,1,1,moderate_burden
Tanzania,2023,urban,male,58,55+,highest,secondary,employed_informal,0.8,1.1,1,salary_account,NMB,2,0,734.54,none,0,1,0,moderate_burden
Niger,2025,rural,female,18,18-24,lowest,primary,self_employed,4.7,3.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2018,rural,male,60,55+,lowest,primary,unemployed,3.7,5.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ghana,2021,rural,male,34,25-34,middle,secondary,self_employed,28.2,2.6,1,savings,Stanbic,1,0,730.77,none,0,0,0,moderate_burden
Nigeria,2025,urban,female,36,35-44,middle,tertiary,employed_informal,3.5,1.2,1,savings,UBA,1,0,552.31,none,0,1,0,moderate_burden
Niger,2025,rural,female,20,18-24,fourth,secondary,employed_informal,13.2,7.2,1,current,Orabank,4,0,897.59,none,0,1,0,moderate_burden
Tanzania,2022,rural,male,41,35-44,lowest,none,employed_formal,29.5,4.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2018,urban,male,58,55+,second,secondary,employed_formal,0.2,2.2,1,savings,Capitec,0,9,0.0,none,1,0,0,moderate_burden
Rwanda,2025,rural,female,64,55+,fourth,primary,employed_informal,18.0,13.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2021,rural,female,20,18-24,lowest,secondary,unemployed,17.9,11.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2021,urban,female,73,55+,middle,none,unemployed,0.7,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2025,urban,female,56,55+,lowest,none,employed_formal,2.7,0.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
South Africa,2019,rural,male,65,55+,second,none,student,5.6,14.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2023,rural,male,44,35-44,highest,tertiary,employed_informal,7.0,25.5,1,current,Zenith Bank,2,0,3301.31,none,0,0,0,moderate_burden
DRC,2020,urban,male,54,45-54,fourth,none,self_employed,0.7,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2018,rural,female,27,25-34,lowest,tertiary,employed_informal,12.5,18.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2024,urban,male,30,25-34,lowest,tertiary,employed_informal,4.0,2.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2020,rural,male,68,55+,highest,primary,employed_informal,1.1,6.4,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2021,rural,male,71,55+,second,none,student,9.6,12.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mali,2021,rural,male,72,55+,lowest,none,unemployed,34.6,1.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2025,rural,male,38,35-44,fourth,primary,self_employed,3.2,3.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2020,urban,male,53,45-54,fourth,tertiary,unemployed,2.7,1.2,1,current,Absa,2,0,979.67,none,1,1,0,moderate_burden
Mali,2022,rural,female,71,55+,lowest,secondary,self_employed,17.2,6.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mali,2023,rural,male,68,55+,second,none,employed_formal,4.5,13.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2018,rural,male,25,18-24,lowest,none,student,7.6,15.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2023,urban,male,38,35-44,lowest,secondary,employed_formal,0.3,1.8,1,savings,GTBank,3,0,93.91,none,0,0,0,moderate_burden
Ethiopia,2020,rural,female,43,35-44,highest,primary,employed_informal,6.2,1.6,1,savings,Awash Bank,2,0,3109.92,none,1,1,0,moderate_burden
Ghana,2019,urban,female,22,18-24,second,secondary,employed_informal,3.3,2.6,1,savings,Ecobank,1,0,289.02,none,0,1,0,moderate_burden
Mozambique,2025,rural,female,31,25-34,fourth,primary,self_employed,2.3,13.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2023,rural,female,65,55+,lowest,secondary,self_employed,2.2,7.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Rwanda,2023,urban,male,28,25-34,highest,primary,unemployed,3.3,0.1,1,savings,I&M Bank,4,0,5214.52,none,0,0,0,moderate_burden
Ethiopia,2025,rural,male,73,55+,lowest,secondary,employed_informal,15.8,6.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2020,urban,male,23,18-24,fourth,none,unemployed,2.2,0.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2024,rural,female,45,35-44,fourth,primary,student,17.4,30.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2022,urban,female,50,45-54,second,primary,employed_informal,2.1,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2018,urban,female,20,18-24,highest,none,self_employed,1.8,1.9,1,current,GCB,3,0,3779.34,none,0,0,1,moderate_burden
Malawi,2021,urban,female,37,35-44,second,primary,employed_formal,8.1,1.7,1,salary_account,Standard Bank,3,0,605.85,none,0,0,0,moderate_burden
DRC,2025,urban,female,64,55+,fourth,primary,employed_informal,0.7,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2020,rural,male,31,25-34,fourth,tertiary,unemployed,4.0,1.1,1,savings,BDM,1,0,1060.3,none,0,0,1,moderate_burden
Kenya,2024,urban,male,51,45-54,fourth,primary,employed_informal,18.9,3.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2023,rural,male,41,35-44,middle,none,self_employed,11.9,0.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2024,rural,female,53,45-54,fourth,tertiary,unemployed,2.7,0.7,1,fixed_deposit,Fidelity,1,0,1084.47,none,0,0,0,moderate_burden
Senegal,2019,rural,female,63,55+,highest,none,self_employed,6.7,2.0,1,savings,Ecobank,0,19,0.0,none,0,1,0,moderate_burden
Niger,2021,urban,female,54,45-54,highest,none,self_employed,3.5,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2019,rural,female,27,25-34,lowest,tertiary,unemployed,52.8,17.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2021,rural,male,40,35-44,second,primary,unemployed,9.3,6.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2024,rural,female,37,35-44,second,primary,student,1.0,4.0,1,savings,GCB,0,21,0.0,none,0,1,0,moderate_burden
Senegal,2025,rural,male,62,55+,fourth,primary,employed_informal,16.7,1.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2018,rural,female,20,18-24,lowest,primary,unemployed,8.4,22.0,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2022,urban,female,25,18-24,fourth,tertiary,self_employed,13.4,0.5,1,savings,Millennium BIM,2,0,398.14,none,0,0,0,moderate_burden
DRC,2020,rural,female,74,55+,lowest,secondary,employed_formal,10.4,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2019,rural,female,38,35-44,highest,secondary,employed_formal,8.0,10.8,1,savings,FDH Bank,1,0,2093.13,none,0,0,0,moderate_burden
Nigeria,2022,rural,female,38,35-44,highest,primary,self_employed,21.0,3.9,1,savings,GTBank,2,0,10275.66,none,0,0,0,moderate_burden
Ethiopia,2021,rural,male,52,45-54,second,secondary,unemployed,17.1,9.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2019,rural,male,19,18-24,highest,tertiary,self_employed,32.2,0.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Niger,2025,urban,male,48,45-54,lowest,primary,student,2.4,2.3,1,savings,BAK,3,0,1364.9,none,1,0,0,moderate_burden
Ghana,2024,rural,male,50,45-54,middle,tertiary,self_employed,0.2,3.7,1,savings,GCB,0,20,0.0,none,0,1,0,moderate_burden
Mozambique,2023,rural,male,32,25-34,lowest,primary,unemployed,10.8,1.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2020,urban,male,19,18-24,middle,secondary,employed_informal,9.0,0.9,1,savings,Equity Bank,0,8,0.0,none,1,1,0,moderate_burden
Kenya,2019,urban,female,59,55+,lowest,secondary,employed_informal,4.0,4.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2019,rural,male,34,25-34,lowest,secondary,unemployed,1.9,25.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Tanzania,2024,urban,female,19,18-24,middle,primary,student,0.1,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,rural,female,43,35-44,second,secondary,self_employed,8.3,5.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2020,rural,male,32,25-34,fourth,primary,self_employed,22.6,12.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2019,rural,male,71,55+,second,secondary,unemployed,18.2,8.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2022,urban,female,47,45-54,second,primary,unemployed,6.6,1.8,1,savings,Zenith Bank,4,0,461.9,none,1,0,0,moderate_burden
Mozambique,2019,rural,male,61,55+,lowest,secondary,employed_formal,25.3,0.8,1,savings,Standard Bank,1,0,176.76,none,0,0,0,moderate_burden
Zambia,2020,urban,female,67,55+,middle,secondary,student,1.7,0.6,1,salary_account,Absa,2,0,1354.85,none,0,1,0,moderate_burden
South Africa,2023,urban,male,35,25-34,highest,none,employed_informal,0.4,2.4,1,current,Absa,0,10,0.0,none,0,0,0,moderate_burden
Niger,2020,urban,female,53,45-54,highest,secondary,unemployed,0.6,2.1,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2022,rural,female,29,25-34,highest,secondary,student,33.5,1.3,1,current,Access Bank,0,4,0.0,none,0,1,0,moderate_burden
Ghana,2024,rural,male,28,25-34,lowest,secondary,unemployed,7.6,9.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2025,rural,female,52,45-54,middle,primary,employed_formal,10.3,15.7,1,savings,Coris Bank,0,9,0.0,none,0,1,0,moderate_burden
South Africa,2019,rural,male,56,55+,highest,primary,self_employed,23.1,2.8,1,salary_account,Capitec,0,17,0.0,none,0,0,1,moderate_burden
Niger,2021,rural,female,24,18-24,lowest,primary,employed_formal,4.4,9.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2024,rural,male,54,45-54,second,secondary,employed_informal,14.3,5.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2021,rural,female,71,55+,middle,secondary,self_employed,28.8,7.2,1,savings,Awash Bank,1,0,1155.7,none,0,1,0,moderate_burden
Ghana,2024,urban,female,36,35-44,second,primary,employed_informal,3.6,0.8,1,salary_account,Absa,2,0,141.97,none,0,0,0,moderate_burden
DRC,2019,rural,male,24,18-24,lowest,tertiary,self_employed,10.9,22.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2020,rural,female,22,18-24,fourth,primary,employed_formal,0.3,6.4,1,savings,FBNBank,3,0,6248.64,none,0,0,0,moderate_burden
DRC,2019,rural,female,68,55+,fourth,secondary,self_employed,4.8,1.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2019,rural,female,54,45-54,fourth,none,employed_informal,0.3,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2019,urban,male,18,18-24,fourth,tertiary,employed_formal,0.6,0.7,1,savings,NBC,3,0,484.48,none,1,1,0,moderate_burden
Senegal,2025,urban,female,61,55+,lowest,secondary,employed_formal,0.1,1.9,1,savings,BHS,1,0,55.69,none,0,0,0,moderate_burden
Ethiopia,2021,urban,female,53,45-54,second,none,self_employed,1.7,0.9,1,savings,Commercial Bank of Ethiopia,0,12,0.0,none,0,0,1,moderate_burden
Nigeria,2022,rural,female,69,55+,highest,primary,employed_informal,12.6,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2022,urban,female,24,18-24,lowest,tertiary,employed_formal,5.3,3.5,1,savings,Coris Bank,2,0,191.11,none,0,1,1,moderate_burden
Mozambique,2024,rural,male,40,35-44,second,secondary,unemployed,0.9,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2022,rural,male,44,35-44,highest,none,self_employed,42.8,6.7,1,savings,Zenith Bank,3,0,3692.0,none,1,1,0,moderate_burden
Mozambique,2025,urban,female,50,45-54,highest,primary,employed_informal,4.1,3.0,1,savings,Moza Banco,1,0,664.79,none,0,0,0,moderate_burden
Uganda,2019,urban,male,37,35-44,middle,secondary,employed_formal,0.8,0.5,1,current,Centenary,1,0,301.67,none,0,0,1,moderate_burden
Mozambique,2020,rural,female,46,45-54,middle,primary,employed_formal,8.8,3.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2020,urban,female,43,35-44,highest,tertiary,unemployed,9.1,5.1,1,salary_account,Coris Bank,2,0,806.7,none,0,0,0,moderate_burden
Senegal,2024,urban,female,74,55+,highest,secondary,self_employed,0.5,0.6,1,salary_account,CBAO,1,0,1609.17,none,0,0,0,moderate_burden
Tanzania,2025,rural,female,55,45-54,second,none,self_employed,11.3,1.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2025,rural,female,51,45-54,second,primary,employed_informal,18.7,6.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2025,urban,male,30,25-34,lowest,primary,employed_formal,2.9,0.6,1,savings,Moza Banco,4,0,735.72,none,0,1,0,moderate_burden
Nigeria,2019,urban,male,62,55+,fourth,secondary,employed_informal,1.7,0.3,1,current,Zenith Bank,3,0,3806.68,none,0,1,0,moderate_burden
Malawi,2024,rural,male,66,55+,highest,secondary,self_employed,0.4,3.6,1,current,Standard Bank,1,0,1443.52,none,0,1,0,moderate_burden
Nigeria,2021,rural,female,68,55+,middle,secondary,employed_formal,33.9,12.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Senegal,2024,rural,female,39,35-44,middle,primary,employed_formal,11.6,9.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2024,urban,male,22,18-24,highest,secondary,employed_informal,0.6,2.7,1,savings,BAK,1,0,1275.57,none,0,0,0,moderate_burden
Malawi,2018,rural,female,60,55+,middle,none,self_employed,11.5,4.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2019,rural,male,50,45-54,lowest,tertiary,employed_formal,10.1,7.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2018,rural,female,53,45-54,lowest,secondary,self_employed,8.9,5.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,urban,male,46,45-54,middle,tertiary,self_employed,3.6,2.0,1,current,Nedbank,0,13,0.0,none,0,1,1,moderate_burden
Tanzania,2018,rural,male,36,35-44,second,primary,employed_informal,8.0,21.4,1,savings,CRDB,2,0,1478.38,none,0,1,1,moderate_burden
Malawi,2023,rural,male,67,55+,lowest,none,self_employed,18.8,1.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Zambia,2022,rural,female,65,55+,lowest,tertiary,student,16.5,0.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Uganda,2022,urban,female,28,25-34,middle,secondary,self_employed,1.1,0.6,1,savings,Equity Bank,1,0,1842.23,none,0,1,1,moderate_burden
Nigeria,2019,urban,female,63,55+,lowest,secondary,student,2.2,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,rural,male,51,45-54,fourth,tertiary,employed_informal,4.3,4.5,1,current,Commercial Bank of Ethiopia,0,2,0.0,none,0,1,0,moderate_burden
Ethiopia,2023,rural,male,29,25-34,highest,primary,self_employed,6.4,9.1,1,savings,Dashen Bank,0,11,0.0,none,0,0,1,moderate_burden
Ghana,2024,urban,male,73,55+,fourth,secondary,employed_informal,0.5,1.0,1,savings,Ecobank,4,0,1564.46,none,0,1,0,moderate_burden
DRC,2021,rural,female,33,25-34,lowest,secondary,employed_informal,40.5,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2025,urban,male,20,18-24,middle,none,employed_formal,2.0,0.2,1,savings,Ecobank,3,0,1800.0,none,0,1,0,moderate_burden
Niger,2025,urban,male,39,35-44,highest,primary,unemployed,0.1,0.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2020,rural,female,53,45-54,middle,primary,employed_informal,3.0,7.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,rural,male,55,45-54,second,secondary,employed_formal,3.8,13.2,1,savings,BCI,2,0,880.93,none,1,1,1,moderate_burden
Kenya,2020,urban,male,63,55+,second,secondary,self_employed,2.2,3.2,1,savings,KCB,0,15,0.0,none,1,1,1,moderate_burden
Mozambique,2025,rural,male,31,25-34,fourth,secondary,student,41.7,4.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2022,rural,female,69,55+,fourth,primary,unemployed,12.8,18.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2019,rural,male,35,25-34,highest,primary,employed_informal,8.4,5.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2019,urban,male,51,45-54,lowest,secondary,self_employed,3.5,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2021,rural,female,29,25-34,middle,secondary,employed_formal,16.9,2.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2018,urban,female,66,55+,second,primary,unemployed,3.4,2.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2019,rural,female,56,55+,lowest,secondary,self_employed,2.0,12.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2024,rural,male,21,18-24,fourth,secondary,self_employed,6.3,14.2,1,savings,Capitec,4,0,2213.36,none,0,1,1,moderate_burden
Senegal,2018,rural,female,69,55+,fourth,primary,self_employed,8.5,2.3,1,savings,CBAO,4,0,195.63,none,0,0,0,moderate_burden
Malawi,2018,rural,female,66,55+,second,primary,unemployed,13.2,0.8,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2023,rural,male,50,45-54,second,primary,self_employed,3.7,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2022,rural,female,40,35-44,second,secondary,unemployed,2.2,7.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2023,rural,male,55,45-54,middle,secondary,employed_formal,6.2,12.2,1,savings,Stanbic,0,11,0.0,none,0,0,0,moderate_burden
Ethiopia,2024,rural,female,58,55+,lowest,primary,employed_formal,24.2,2.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2021,rural,female,51,45-54,second,secondary,unemployed,1.8,10.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2021,urban,female,73,55+,second,none,employed_informal,2.3,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2018,rural,female,20,18-24,lowest,secondary,unemployed,1.6,12.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2024,rural,male,43,35-44,lowest,secondary,unemployed,37.1,4.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2018,rural,female,23,18-24,highest,none,self_employed,2.6,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2023,rural,female,37,35-44,lowest,tertiary,self_employed,47.2,7.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2023,rural,male,54,45-54,middle,primary,self_employed,21.6,8.2,1,current,GCB,2,0,637.4,none,1,0,1,moderate_burden
Ethiopia,2025,urban,female,26,25-34,highest,none,student,0.8,0.9,1,savings,Dashen Bank,1,0,1976.88,none,0,0,1,moderate_burden
Senegal,2025,rural,male,36,35-44,highest,primary,employed_formal,2.1,21.4,1,savings,BHS,3,0,3113.58,none,0,1,0,moderate_burden
Tanzania,2018,rural,female,20,18-24,middle,primary,self_employed,44.1,0.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2023,rural,female,28,25-34,second,secondary,self_employed,7.3,14.0,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Ethiopia,2022,rural,male,34,25-34,lowest,primary,unemployed,13.8,8.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2025,urban,male,59,55+,second,secondary,employed_informal,1.1,4.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2022,rural,female,64,55+,lowest,tertiary,self_employed,5.1,8.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2021,rural,male,36,35-44,highest,secondary,self_employed,28.2,23.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2018,rural,male,30,25-34,middle,primary,self_employed,12.2,2.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2020,rural,male,52,45-54,lowest,primary,student,5.4,15.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Tanzania,2018,rural,female,23,18-24,second,tertiary,self_employed,10.2,10.1,1,current,CRDB,0,2,0.0,none,0,0,0,moderate_burden
Kenya,2020,rural,female,59,55+,middle,secondary,self_employed,0.5,12.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mali,2024,urban,male,74,55+,lowest,primary,student,0.5,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2021,rural,female,25,18-24,lowest,none,unemployed,10.8,4.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Niger,2025,rural,male,70,55+,second,secondary,unemployed,10.7,11.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2018,rural,male,50,45-54,fourth,tertiary,unemployed,9.5,1.5,1,savings,Stanbic,1,0,1416.54,none,0,0,0,moderate_burden
Kenya,2020,rural,female,60,55+,second,secondary,self_employed,39.3,20.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2022,rural,female,67,55+,highest,primary,unemployed,11.4,6.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2020,rural,female,74,55+,lowest,secondary,employed_informal,5.0,2.6,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Rwanda,2023,urban,female,20,18-24,second,secondary,unemployed,0.2,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,urban,female,54,45-54,lowest,secondary,employed_informal,4.5,0.6,1,fixed_deposit,Capitec,0,19,0.0,none,0,0,0,moderate_burden
Mali,2019,urban,female,71,55+,second,primary,self_employed,0.4,0.7,1,current,BDM,0,14,0.0,none,0,1,0,moderate_burden
Tanzania,2023,urban,female,58,55+,second,secondary,self_employed,0.5,2.2,1,salary_account,NBC,3,0,332.02,none,1,1,0,moderate_burden
DRC,2020,urban,female,41,35-44,fourth,secondary,employed_informal,5.1,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2019,rural,male,57,55+,middle,none,employed_formal,0.3,2.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2022,rural,female,29,25-34,lowest,secondary,self_employed,9.4,4.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2019,urban,male,68,55+,fourth,tertiary,employed_informal,2.9,3.2,1,savings,Awash Bank,2,0,2091.79,none,0,1,0,moderate_burden
Niger,2020,rural,female,42,35-44,second,secondary,employed_informal,8.2,8.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2019,urban,female,26,25-34,middle,none,employed_informal,2.5,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2025,rural,female,52,45-54,fourth,secondary,unemployed,30.6,28.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2021,urban,male,72,55+,lowest,primary,unemployed,3.2,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2018,rural,male,39,35-44,middle,tertiary,unemployed,3.9,17.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2024,rural,male,28,25-34,middle,secondary,self_employed,0.1,2.9,1,salary_account,Equity Bank,1,0,518.06,none,1,0,0,moderate_burden
South Africa,2018,rural,male,39,35-44,second,secondary,self_employed,1.8,5.8,1,savings,Capitec,1,0,62.73,none,0,0,0,moderate_burden
Ghana,2025,urban,female,46,45-54,fourth,secondary,unemployed,3.5,0.3,1,fixed_deposit,Stanbic,3,0,1330.54,none,0,1,0,moderate_burden
Rwanda,2021,rural,female,66,55+,middle,secondary,employed_formal,3.8,13.1,1,savings,Bank of Kigali,1,0,3408.08,none,0,1,0,moderate_burden
Nigeria,2023,urban,female,43,35-44,highest,primary,employed_informal,6.3,0.5,1,fixed_deposit,Access Bank,2,0,267.77,none,0,1,1,moderate_burden
Rwanda,2021,rural,female,66,55+,second,secondary,self_employed,16.8,2.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2022,rural,male,41,35-44,second,none,employed_informal,7.7,11.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2023,rural,male,18,18-24,fourth,secondary,self_employed,27.0,2.4,1,savings,Ecobank,0,6,0.0,none,0,0,0,moderate_burden
DRC,2025,urban,female,59,55+,fourth,none,employed_informal,4.3,1.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2022,urban,male,39,35-44,fourth,primary,unemployed,1.7,0.7,1,savings,Ecobank,1,0,1026.05,none,1,0,0,moderate_burden
Ethiopia,2019,urban,female,33,25-34,fourth,secondary,student,0.8,0.7,1,current,Commercial Bank of Ethiopia,3,0,1317.96,none,1,1,1,moderate_burden
Zambia,2018,rural,female,36,35-44,middle,secondary,unemployed,14.4,11.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2018,urban,male,52,45-54,second,primary,self_employed,1.9,1.1,1,fixed_deposit,Nedbank,1,0,374.69,none,0,0,0,moderate_burden
Niger,2022,rural,female,66,55+,highest,tertiary,employed_informal,18.1,4.3,1,current,BAK,1,0,2649.93,none,0,0,0,moderate_burden
Nigeria,2024,rural,female,64,55+,fourth,secondary,unemployed,1.3,0.0,1,current,First Bank,1,0,1487.19,none,0,0,0,moderate_burden
South Africa,2022,rural,female,56,55+,fourth,none,employed_informal,15.1,26.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2019,rural,female,37,35-44,lowest,secondary,employed_formal,5.4,8.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2020,rural,male,23,18-24,lowest,none,employed_informal,20.5,0.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2022,urban,female,62,55+,middle,none,employed_formal,1.3,1.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2018,rural,female,49,45-54,second,primary,employed_informal,19.4,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2023,rural,female,69,55+,fourth,secondary,employed_informal,13.1,11.6,1,savings,Centenary,0,10,0.0,none,0,0,0,moderate_burden
Ghana,2021,rural,male,22,18-24,highest,primary,employed_formal,3.3,15.6,1,current,Ecobank,2,0,884.37,none,0,1,0,moderate_burden
Kenya,2023,rural,female,40,35-44,lowest,secondary,employed_formal,10.6,2.7,1,savings,KCB,2,0,195.61,none,1,0,0,moderate_burden
Niger,2023,rural,male,33,25-34,fourth,primary,self_employed,21.0,25.4,1,current,Orabank,0,3,0.0,none,0,0,0,moderate_burden
Ethiopia,2024,rural,female,37,35-44,lowest,none,self_employed,0.8,8.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2018,urban,female,35,25-34,middle,tertiary,unemployed,4.8,0.5,1,current,Equity Bank,3,0,527.29,none,0,1,0,moderate_burden
Malawi,2018,rural,male,25,18-24,lowest,secondary,self_employed,17.4,5.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2023,urban,male,39,35-44,second,primary,employed_informal,0.3,2.0,1,savings,GCB,2,0,336.99,none,0,0,1,moderate_burden
Senegal,2018,urban,male,39,35-44,second,secondary,unemployed,0.8,0.1,1,savings,CBAO,1,0,538.13,none,0,1,0,moderate_burden
Kenya,2018,rural,male,24,18-24,second,primary,employed_informal,1.7,0.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2021,rural,female,36,35-44,lowest,secondary,student,9.4,3.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2023,rural,male,57,55+,highest,primary,employed_informal,15.6,30.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2023,rural,female,63,55+,middle,none,unemployed,0.2,12.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2024,urban,female,50,45-54,fourth,primary,self_employed,7.0,0.3,1,current,Société Générale,0,15,0.0,none,0,1,0,moderate_burden
Malawi,2019,urban,female,48,45-54,second,tertiary,student,3.9,0.5,1,current,FDH Bank,1,0,191.37,none,0,1,1,moderate_burden
Nigeria,2025,rural,female,66,55+,fourth,secondary,unemployed,41.1,0.9,1,current,First Bank,1,0,604.68,none,0,0,0,moderate_burden
Mozambique,2025,rural,female,20,18-24,second,tertiary,self_employed,5.3,0.9,1,savings,Millennium BIM,0,7,0.0,none,0,0,0,moderate_burden
Mozambique,2025,rural,male,54,45-54,second,primary,unemployed,8.7,1.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2022,rural,female,64,55+,highest,primary,self_employed,35.5,3.3,1,savings,Capitec,0,1,0.0,none,0,0,0,moderate_burden
Ethiopia,2019,urban,male,45,35-44,lowest,primary,unemployed,0.5,4.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2020,rural,male,35,25-34,second,tertiary,unemployed,12.3,6.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2021,rural,female,31,25-34,fourth,primary,employed_formal,3.1,31.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,urban,female,23,18-24,fourth,secondary,unemployed,1.8,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2025,urban,male,49,45-54,highest,none,unemployed,0.1,0.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2024,rural,male,62,55+,lowest,none,self_employed,5.5,12.5,1,current,NCBA,2,0,122.95,none,0,0,0,moderate_burden
Malawi,2018,urban,male,37,35-44,lowest,tertiary,self_employed,0.7,0.1,1,savings,FDH Bank,1,0,174.03,none,0,1,1,moderate_burden
Uganda,2018,urban,female,21,18-24,second,primary,employed_informal,3.2,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2019,urban,male,32,25-34,lowest,none,student,1.4,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2022,urban,female,68,55+,highest,primary,employed_informal,1.9,0.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2022,urban,female,32,25-34,middle,secondary,self_employed,0.5,0.8,1,savings,FNB,0,7,0.0,none,0,0,0,moderate_burden
Rwanda,2019,rural,male,36,35-44,highest,secondary,unemployed,0.5,25.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2025,urban,female,46,45-54,lowest,primary,unemployed,2.4,0.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2021,urban,male,74,55+,highest,none,unemployed,2.5,0.9,1,savings,Moza Banco,3,0,1609.56,none,0,0,0,moderate_burden
DRC,2020,urban,male,25,18-24,middle,none,employed_informal,1.9,1.9,1,current,BCDC,1,0,1281.08,none,0,0,0,moderate_burden
Ethiopia,2021,rural,female,58,55+,middle,secondary,self_employed,4.8,18.4,1,current,Commercial Bank of Ethiopia,1,0,250.49,none,0,1,0,moderate_burden
Kenya,2023,rural,female,68,55+,lowest,primary,employed_informal,39.0,2.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2020,rural,female,60,55+,highest,secondary,employed_informal,18.8,12.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Tanzania,2018,urban,male,49,45-54,fourth,tertiary,student,3.1,1.9,1,current,NBC,0,4,0.0,none,0,1,0,moderate_burden
Nigeria,2025,rural,male,51,45-54,highest,tertiary,employed_informal,51.3,2.9,1,fixed_deposit,UBA,0,3,0.0,none,0,1,0,moderate_burden
Senegal,2022,urban,female,21,18-24,highest,primary,student,1.9,0.1,1,savings,BHS,2,0,2906.92,none,0,1,0,moderate_burden
South Africa,2022,rural,female,36,35-44,middle,secondary,employed_informal,17.9,2.7,1,salary_account,Capitec,2,0,757.8,none,0,1,1,moderate_burden
Tanzania,2023,urban,female,58,55+,highest,none,self_employed,1.2,1.1,1,salary_account,CRDB,1,0,1432.88,none,0,1,1,moderate_burden
South Africa,2023,urban,female,58,55+,lowest,tertiary,student,0.9,6.4,1,current,Capitec,2,0,41.97,none,0,1,0,moderate_burden
Mali,2023,rural,female,63,55+,lowest,secondary,employed_informal,28.2,9.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2025,urban,female,48,45-54,fourth,none,unemployed,0.5,0.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2023,urban,male,59,55+,second,secondary,employed_formal,1.3,0.0,1,savings,Centenary,0,2,0.0,none,0,0,0,moderate_burden
Senegal,2023,rural,female,31,25-34,second,tertiary,self_employed,22.1,1.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2024,urban,female,51,45-54,lowest,primary,self_employed,0.4,0.4,1,savings,GTBank,2,0,75.44,none,0,1,0,moderate_burden
Uganda,2024,urban,male,35,25-34,second,primary,employed_informal,1.8,1.5,1,fixed_deposit,KCB,2,0,292.98,none,0,1,0,moderate_burden
Zambia,2022,urban,female,70,55+,highest,primary,employed_informal,1.2,0.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2023,urban,male,18,18-24,second,primary,employed_formal,1.3,1.6,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2023,urban,female,48,45-54,lowest,primary,student,5.7,0.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2022,rural,male,58,55+,lowest,none,employed_formal,0.2,10.2,1,savings,KCB,2,0,199.78,none,1,0,0,moderate_burden
Senegal,2021,rural,male,73,55+,middle,tertiary,student,17.4,5.4,1,salary_account,Société Générale,1,0,213.81,none,0,1,0,moderate_burden
Uganda,2023,rural,male,69,55+,second,secondary,student,7.9,3.9,1,savings,Equity Bank,4,0,143.47,none,0,0,0,moderate_burden
Uganda,2020,urban,female,18,18-24,second,tertiary,employed_formal,0.7,1.6,1,savings,Stanbic,1,0,740.26,none,0,0,1,moderate_burden
Malawi,2021,urban,male,20,18-24,highest,primary,self_employed,2.1,2.7,1,savings,FDH Bank,2,0,12036.99,none,0,1,1,moderate_burden
Malawi,2019,urban,female,70,55+,lowest,secondary,self_employed,1.4,2.2,1,savings,Standard Bank,1,0,154.55,none,0,1,0,moderate_burden
Malawi,2024,urban,female,63,55+,lowest,secondary,employed_formal,2.3,0.4,1,savings,Standard Bank,1,0,104.24,none,0,1,1,moderate_burden
Senegal,2019,urban,male,20,18-24,second,tertiary,employed_formal,1.0,0.7,1,current,Société Générale,2,0,77.78,none,0,0,1,moderate_burden
Mozambique,2025,rural,male,21,18-24,highest,none,employed_informal,10.4,5.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2024,rural,female,28,25-34,second,secondary,employed_formal,24.3,10.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2020,rural,male,57,55+,second,primary,unemployed,5.2,18.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2023,rural,male,30,25-34,fourth,secondary,self_employed,8.4,8.2,1,savings,Equity Bank,1,0,232.44,none,1,1,0,moderate_burden
Malawi,2021,urban,male,60,55+,second,secondary,unemployed,2.6,4.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2023,rural,male,23,18-24,fourth,primary,self_employed,0.6,7.0,1,savings,Equity Bank,4,0,978.56,none,0,0,0,moderate_burden
Uganda,2018,rural,female,41,35-44,lowest,primary,employed_formal,14.6,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2025,rural,male,31,25-34,highest,secondary,employed_informal,9.6,4.0,1,savings,FDH Bank,0,15,0.0,none,0,0,0,moderate_burden
Kenya,2024,rural,female,59,55+,highest,secondary,self_employed,15.7,1.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2024,rural,female,47,45-54,middle,primary,unemployed,20.7,11.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2018,rural,female,72,55+,second,secondary,employed_informal,20.8,2.0,1,current,FNB,1,0,353.84,none,1,0,0,moderate_burden
Kenya,2025,urban,male,25,18-24,lowest,tertiary,employed_informal,0.6,4.8,1,savings,NCBA,2,0,177.96,none,0,0,1,moderate_burden
Malawi,2025,urban,female,35,25-34,second,secondary,employed_informal,2.5,3.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2025,rural,male,25,18-24,middle,primary,employed_informal,31.0,1.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2022,rural,female,56,55+,lowest,none,self_employed,21.4,17.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2019,rural,female,64,55+,highest,none,employed_formal,6.9,52.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,rural,female,37,35-44,second,tertiary,employed_informal,5.1,6.8,1,savings,Nedbank,0,6,0.0,none,0,0,0,moderate_burden
Ghana,2022,rural,male,67,55+,middle,none,self_employed,44.0,22.1,1,salary_account,Absa,0,17,0.0,none,0,0,0,moderate_burden
Mozambique,2021,urban,male,30,25-34,lowest,none,unemployed,0.1,1.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Nigeria,2018,rural,male,58,55+,second,secondary,employed_informal,8.8,8.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2018,rural,male,40,35-44,middle,primary,unemployed,27.8,18.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2018,urban,male,18,18-24,middle,secondary,unemployed,0.4,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2025,rural,female,32,25-34,lowest,none,self_employed,7.0,2.2,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2023,rural,female,64,55+,lowest,secondary,employed_formal,0.7,1.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2021,rural,female,61,55+,second,secondary,student,3.9,29.7,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2025,rural,male,27,25-34,highest,tertiary,unemployed,3.3,6.7,1,savings,Absa,0,13,0.0,none,1,1,1,moderate_burden
Tanzania,2024,urban,male,46,45-54,second,primary,student,0.9,3.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2023,rural,male,72,55+,middle,primary,student,27.2,5.0,1,current,Moza Banco,3,0,2098.22,none,0,1,0,moderate_burden
Ethiopia,2018,urban,male,61,55+,second,tertiary,self_employed,3.9,0.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2024,rural,female,18,18-24,second,tertiary,employed_formal,18.5,1.7,1,savings,Bank of Kigali,0,14,0.0,none,0,1,0,moderate_burden
Ethiopia,2019,urban,male,55,45-54,lowest,secondary,unemployed,1.0,1.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2021,rural,male,44,35-44,lowest,none,employed_formal,2.2,25.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2019,urban,male,43,35-44,lowest,secondary,employed_informal,2.5,1.2,1,salary_account,NCBA,3,0,344.18,none,0,0,0,moderate_burden
Mali,2023,rural,male,55,45-54,middle,secondary,employed_informal,9.8,9.8,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2019,rural,female,42,35-44,lowest,secondary,employed_informal,16.8,34.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2018,urban,female,40,35-44,lowest,tertiary,unemployed,0.4,2.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mali,2024,rural,male,50,45-54,fourth,secondary,employed_formal,0.6,11.5,1,current,BDM,0,10,0.0,none,0,1,0,moderate_burden
Senegal,2022,rural,male,40,35-44,middle,secondary,student,17.0,28.2,1,current,BHS,0,21,0.0,none,0,0,0,moderate_burden
Malawi,2018,rural,female,39,35-44,second,primary,employed_formal,23.1,28.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2025,rural,male,50,45-54,middle,secondary,employed_informal,13.1,26.5,1,current,Standard Bank,1,0,612.3,none,0,0,0,moderate_burden
Malawi,2019,urban,male,35,25-34,highest,secondary,unemployed,0.1,1.7,1,current,Standard Bank,2,0,1016.3,none,1,0,0,moderate_burden
Senegal,2025,urban,female,45,35-44,middle,tertiary,self_employed,2.0,2.6,1,fixed_deposit,BHS,2,0,758.51,none,1,0,0,moderate_burden
DRC,2019,urban,female,35,25-34,highest,secondary,unemployed,7.3,3.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2018,rural,female,64,55+,highest,primary,student,11.6,1.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2022,urban,female,35,25-34,lowest,primary,self_employed,0.2,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2024,rural,male,47,45-54,second,secondary,self_employed,6.9,9.7,1,fixed_deposit,Stanbic,4,0,104.6,none,0,0,1,moderate_burden
Mali,2018,rural,female,28,25-34,second,tertiary,unemployed,17.1,12.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2019,rural,female,36,35-44,lowest,primary,unemployed,20.6,22.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2024,urban,female,26,25-34,second,secondary,employed_informal,0.1,4.4,1,savings,Commercial Bank of Ethiopia,0,13,0.0,none,0,1,1,moderate_burden
Malawi,2022,urban,male,66,55+,lowest,secondary,employed_informal,4.3,0.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ghana,2024,rural,female,27,25-34,second,none,self_employed,27.7,5.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2025,rural,male,34,25-34,highest,primary,employed_informal,5.6,9.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2022,rural,female,29,25-34,lowest,tertiary,self_employed,2.5,2.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2023,rural,male,32,25-34,second,secondary,self_employed,1.5,0.2,1,savings,Ecobank,1,0,1097.29,none,0,0,0,moderate_burden
South Africa,2019,rural,female,31,25-34,fourth,primary,employed_informal,13.1,6.0,1,savings,Standard Bank,4,0,730.6,none,0,1,0,moderate_burden
Mozambique,2021,rural,female,35,25-34,lowest,tertiary,employed_informal,10.2,6.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2019,urban,female,18,18-24,second,none,unemployed,12.6,2.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2022,rural,male,31,25-34,lowest,secondary,employed_informal,19.5,8.2,1,current,Capitec,2,0,81.32,none,1,1,0,moderate_burden
South Africa,2019,rural,male,28,25-34,fourth,primary,student,11.3,12.3,1,savings,Standard Bank,3,0,976.77,none,0,0,0,moderate_burden
Mozambique,2019,urban,male,56,55+,highest,none,employed_formal,0.1,0.9,1,savings,Millennium BIM,1,0,758.5,none,0,0,0,moderate_burden
Zambia,2018,rural,male,30,25-34,second,primary,self_employed,6.2,7.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2021,rural,male,69,55+,middle,primary,employed_informal,1.1,7.4,1,fixed_deposit,Access Bank,2,0,979.84,none,1,1,0,moderate_burden
Ethiopia,2023,rural,male,19,18-24,second,secondary,self_employed,20.0,2.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Niger,2021,rural,male,23,18-24,middle,secondary,self_employed,41.8,41.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2024,rural,male,59,55+,second,primary,self_employed,7.2,5.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2023,rural,male,62,55+,middle,primary,employed_formal,14.7,21.9,1,savings,Capitec,3,0,2588.5,none,0,0,1,moderate_burden
Rwanda,2021,rural,female,33,25-34,lowest,secondary,employed_formal,3.4,9.2,1,salary_account,I&M Bank,1,0,361.82,none,1,1,0,moderate_burden
Kenya,2022,urban,male,30,25-34,fourth,none,employed_informal,0.7,5.8,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2018,rural,female,69,55+,middle,secondary,self_employed,9.1,5.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2024,rural,female,32,25-34,highest,secondary,employed_informal,19.8,0.9,1,salary_account,CRDB,1,0,523.58,none,1,0,0,moderate_burden
Kenya,2019,rural,male,28,25-34,fourth,primary,employed_informal,18.7,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2023,urban,female,50,45-54,fourth,secondary,employed_formal,1.7,2.1,1,salary_account,Bank of Kigali,1,0,1384.64,none,0,1,1,moderate_burden
Nigeria,2025,urban,male,54,45-54,middle,secondary,unemployed,0.2,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2023,urban,female,61,55+,lowest,secondary,employed_informal,3.6,3.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2019,urban,male,53,45-54,lowest,primary,employed_formal,4.5,2.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2019,rural,female,30,25-34,fourth,secondary,unemployed,10.6,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2022,urban,female,44,35-44,fourth,primary,employed_informal,1.3,0.3,1,current,BCDC,3,0,194.11,none,0,0,1,moderate_burden
Rwanda,2019,rural,male,37,35-44,middle,secondary,self_employed,19.3,4.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Zambia,2022,rural,male,48,45-54,middle,none,self_employed,8.6,3.8,1,savings,Zanaco,3,0,867.44,none,0,0,1,moderate_burden
Mozambique,2020,rural,female,18,18-24,lowest,primary,unemployed,4.4,5.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2025,rural,female,38,35-44,fourth,none,employed_informal,2.3,4.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2019,rural,male,42,35-44,lowest,none,employed_informal,12.3,0.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2020,urban,female,39,35-44,fourth,primary,employed_informal,3.6,0.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2018,rural,male,65,55+,fourth,secondary,unemployed,41.7,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2025,urban,female,42,35-44,middle,tertiary,self_employed,5.6,0.3,1,current,National Bank,0,20,0.0,none,1,1,0,moderate_burden
Ghana,2021,rural,female,36,35-44,middle,tertiary,self_employed,30.0,3.7,1,savings,Ecobank,0,23,0.0,none,0,0,0,moderate_burden
Ghana,2023,rural,male,54,45-54,lowest,primary,unemployed,0.5,24.9,1,savings,Absa,1,0,53.3,none,0,0,0,moderate_burden
Uganda,2024,urban,male,19,18-24,fourth,none,self_employed,0.9,0.6,1,savings,KCB,3,0,737.95,none,0,1,0,moderate_burden
Mali,2024,rural,male,54,45-54,lowest,secondary,employed_informal,2.8,2.9,1,savings,BDM,1,0,180.22,none,0,0,0,moderate_burden
DRC,2023,urban,female,46,45-54,second,tertiary,self_employed,1.9,1.1,1,salary_account,BCDC,2,0,1392.85,none,1,1,1,moderate_burden
DRC,2019,urban,female,64,55+,lowest,none,student,12.7,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2022,rural,female,72,55+,lowest,primary,employed_informal,47.0,16.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2024,urban,male,22,18-24,second,secondary,employed_formal,5.4,0.6,1,salary_account,Equity BCDC,0,5,0.0,none,1,0,1,moderate_burden
Nigeria,2019,rural,female,62,55+,second,secondary,self_employed,10.1,9.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,rural,male,44,35-44,second,none,student,10.3,9.7,1,savings,Equity Bank,0,10,0.0,none,0,0,1,moderate_burden
Tanzania,2020,rural,male,41,35-44,lowest,tertiary,employed_informal,11.5,31.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2024,rural,female,34,25-34,middle,secondary,unemployed,3.3,0.1,1,current,Nedbank,1,0,442.99,none,0,0,0,moderate_burden
Ethiopia,2021,rural,female,54,45-54,lowest,none,student,3.3,8.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2021,urban,male,61,55+,lowest,secondary,unemployed,2.4,2.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2021,rural,male,31,25-34,middle,primary,self_employed,10.1,3.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2021,rural,female,27,25-34,lowest,primary,employed_informal,4.4,13.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2024,urban,female,27,25-34,fourth,primary,unemployed,2.9,0.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2023,rural,female,31,25-34,lowest,secondary,student,21.4,23.6,1,current,Nedbank,1,0,221.9,none,0,0,0,moderate_burden
Malawi,2024,rural,female,34,25-34,highest,secondary,unemployed,14.1,2.0,1,savings,NBS Bank,2,0,1054.67,none,0,1,0,moderate_burden
Mozambique,2018,urban,female,44,35-44,middle,primary,student,1.6,0.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2021,urban,female,51,45-54,middle,none,unemployed,5.1,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2020,urban,female,39,35-44,second,primary,employed_formal,2.8,0.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2018,urban,male,55,45-54,lowest,tertiary,unemployed,0.0,0.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2020,urban,female,36,35-44,middle,primary,employed_informal,0.5,1.4,1,savings,NCBA,1,0,677.44,none,0,1,0,moderate_burden
Rwanda,2018,urban,female,34,25-34,lowest,secondary,self_employed,0.7,0.1,1,current,I&M Bank,1,0,603.85,none,0,0,1,moderate_burden
Zambia,2018,rural,female,56,55+,fourth,none,unemployed,44.4,6.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2018,rural,male,48,45-54,lowest,tertiary,self_employed,0.6,12.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,rural,female,28,25-34,lowest,secondary,employed_informal,14.9,7.8,1,current,Awash Bank,4,0,170.17,none,0,0,0,moderate_burden
Nigeria,2019,rural,female,54,45-54,lowest,none,unemployed,3.1,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2019,urban,male,35,25-34,middle,secondary,self_employed,1.1,1.6,1,current,Zenith Bank,3,0,1663.8,none,0,1,0,moderate_burden
Niger,2021,urban,male,56,55+,highest,secondary,unemployed,7.3,2.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,rural,female,60,55+,lowest,secondary,employed_formal,12.5,10.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2020,urban,female,68,55+,second,secondary,student,0.3,0.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2020,rural,male,53,45-54,second,secondary,student,13.6,2.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2019,rural,male,44,35-44,middle,none,employed_informal,12.7,1.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2021,urban,male,59,55+,second,none,employed_informal,4.9,0.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2018,rural,female,60,55+,middle,primary,employed_informal,25.2,5.7,1,current,KCB,2,0,218.28,none,0,0,0,moderate_burden
Malawi,2019,rural,female,62,55+,lowest,primary,employed_informal,0.3,6.5,1,fixed_deposit,Standard Bank,3,0,465.33,none,0,1,0,moderate_burden
Senegal,2025,rural,male,24,18-24,fourth,primary,employed_formal,21.6,4.5,1,savings,BHS,1,0,1047.34,none,0,0,0,moderate_burden
Mozambique,2024,rural,female,19,18-24,highest,tertiary,employed_formal,1.5,7.6,1,fixed_deposit,Standard Bank,1,0,480.7,none,0,0,0,moderate_burden
Uganda,2022,urban,female,34,25-34,highest,primary,employed_informal,0.8,0.4,1,savings,Stanbic,2,0,2419.93,none,0,1,0,moderate_burden
Kenya,2023,urban,male,60,55+,highest,primary,self_employed,0.1,0.2,1,current,Stanbic,0,8,0.0,none,0,0,1,moderate_burden
Uganda,2021,urban,male,61,55+,lowest,none,unemployed,2.8,2.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ghana,2019,rural,female,50,45-54,lowest,secondary,self_employed,2.6,4.3,1,current,Stanbic,0,1,0.0,none,0,0,1,moderate_burden
Ghana,2018,rural,male,49,45-54,second,none,self_employed,28.2,9.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2019,urban,male,59,55+,lowest,primary,student,10.0,3.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2022,rural,male,55,45-54,second,primary,employed_formal,8.3,7.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Tanzania,2022,rural,female,43,35-44,fourth,secondary,employed_formal,0.2,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,rural,male,29,25-34,fourth,secondary,employed_formal,37.6,0.1,1,savings,Moza Banco,2,0,365.03,none,0,0,0,moderate_burden
Rwanda,2020,urban,female,63,55+,lowest,primary,employed_formal,3.1,1.6,1,savings,Ecobank,4,0,76.12,none,0,1,0,moderate_burden
DRC,2018,rural,female,63,55+,highest,primary,unemployed,13.9,7.6,1,current,Rawbank,1,0,594.3,none,0,0,1,moderate_burden
DRC,2023,rural,female,73,55+,fourth,secondary,self_employed,7.5,12.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Uganda,2022,urban,male,33,25-34,lowest,primary,employed_informal,1.3,1.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2023,rural,female,42,35-44,middle,tertiary,self_employed,25.9,14.4,1,fixed_deposit,KCB,0,4,0.0,none,0,1,0,moderate_burden
Senegal,2018,rural,male,52,45-54,fourth,none,self_employed,25.6,1.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2018,urban,male,28,25-34,middle,primary,self_employed,0.8,5.2,1,fixed_deposit,Absa,4,0,372.96,none,0,0,1,moderate_burden
Kenya,2018,rural,male,67,55+,lowest,primary,unemployed,10.8,8.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,urban,male,27,25-34,highest,secondary,unemployed,10.5,0.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2018,urban,male,61,55+,middle,tertiary,employed_informal,7.9,0.8,1,salary_account,Zanaco,1,0,1963.36,none,1,1,0,moderate_burden
Nigeria,2025,rural,female,19,18-24,lowest,tertiary,employed_formal,13.0,6.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2018,rural,female,34,25-34,middle,primary,unemployed,13.9,9.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2024,urban,female,63,55+,lowest,none,unemployed,10.5,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2025,rural,male,25,18-24,middle,tertiary,unemployed,26.5,9.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2019,rural,male,20,18-24,highest,secondary,student,16.7,1.6,1,savings,Nedbank,2,0,2201.71,none,0,0,0,moderate_burden
Kenya,2021,urban,male,45,35-44,middle,none,student,6.5,0.0,1,savings,Stanbic,3,0,526.93,none,0,0,1,moderate_burden
Uganda,2023,rural,male,51,45-54,second,secondary,self_employed,28.2,7.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2021,rural,female,31,25-34,lowest,primary,self_employed,7.2,11.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2019,rural,male,49,45-54,middle,secondary,self_employed,1.9,12.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2024,urban,female,55,45-54,lowest,secondary,self_employed,0.4,2.4,1,fixed_deposit,Dashen Bank,1,0,125.7,none,0,0,0,moderate_burden
Ghana,2018,rural,female,24,18-24,middle,primary,unemployed,8.6,6.3,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2018,rural,female,42,35-44,second,primary,employed_formal,14.9,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Nigeria,2020,urban,male,47,45-54,second,primary,unemployed,1.9,0.5,1,salary_account,Access Bank,2,0,98.67,none,0,1,0,moderate_burden
Senegal,2023,urban,female,49,45-54,fourth,primary,employed_formal,1.0,0.6,1,current,Société Générale,3,0,370.93,none,0,1,1,moderate_burden
Mozambique,2020,urban,female,41,35-44,middle,secondary,employed_informal,1.6,0.4,1,savings,Standard Bank,2,0,792.65,none,0,1,1,moderate_burden
Senegal,2018,urban,male,18,18-24,second,secondary,unemployed,1.2,1.6,1,current,Ecobank,2,0,441.43,none,0,0,0,moderate_burden
Malawi,2019,rural,female,34,25-34,middle,none,employed_informal,0.3,4.6,1,savings,NBS Bank,1,0,914.81,none,0,0,0,moderate_burden
Senegal,2022,urban,male,49,45-54,second,tertiary,self_employed,13.3,1.6,1,savings,CBAO,1,0,315.56,none,0,0,1,moderate_burden
Zambia,2023,urban,male,21,18-24,second,secondary,unemployed,3.5,1.1,1,savings,First National Bank,2,0,779.08,none,1,0,1,moderate_burden
Ethiopia,2024,urban,female,41,35-44,middle,secondary,self_employed,4.7,4.1,1,savings,Awash Bank,2,0,403.86,none,0,0,1,moderate_burden
Uganda,2023,rural,male,50,45-54,second,primary,unemployed,22.6,16.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2022,rural,female,67,55+,lowest,secondary,self_employed,23.7,3.6,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2018,rural,male,70,55+,second,primary,self_employed,3.9,2.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2021,rural,female,64,55+,lowest,primary,employed_informal,1.3,11.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2024,rural,female,66,55+,fourth,primary,employed_informal,2.5,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2018,urban,female,20,18-24,second,primary,employed_informal,2.7,2.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2023,rural,male,61,55+,middle,primary,student,5.7,2.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2021,urban,male,22,18-24,middle,tertiary,unemployed,4.8,1.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2021,rural,male,40,35-44,middle,none,employed_informal,2.5,11.3,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2022,rural,female,49,45-54,highest,primary,employed_formal,20.6,16.5,1,salary_account,Standard Bank,4,0,5315.49,none,0,0,0,moderate_burden
Ghana,2019,rural,male,24,18-24,middle,none,self_employed,35.2,4.3,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Zambia,2025,urban,female,69,55+,second,primary,self_employed,0.5,5.2,1,salary_account,First National Bank,0,20,0.0,none,0,1,1,moderate_burden
South Africa,2020,urban,male,42,35-44,middle,secondary,self_employed,2.6,2.3,1,current,Standard Bank,4,0,481.8,none,0,0,1,moderate_burden
Niger,2025,rural,male,37,35-44,middle,primary,self_employed,4.0,10.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2023,rural,male,54,45-54,highest,tertiary,self_employed,1.3,3.3,1,savings,Capitec,1,0,2258.71,none,0,1,0,moderate_burden
Ethiopia,2021,urban,female,38,35-44,highest,secondary,student,2.1,0.0,1,savings,Awash Bank,0,9,0.0,none,0,1,0,moderate_burden
Mozambique,2024,rural,female,65,55+,middle,primary,employed_formal,1.6,3.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,urban,female,46,45-54,lowest,none,self_employed,0.6,0.5,1,salary_account,Awash Bank,1,0,243.68,none,0,0,0,moderate_burden
Zambia,2022,rural,male,66,55+,lowest,primary,self_employed,5.6,2.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2020,urban,male,36,35-44,lowest,secondary,student,0.3,0.8,1,savings,Commercial Bank of Ethiopia,2,0,94.84,none,0,1,1,moderate_burden
Malawi,2023,rural,female,42,35-44,highest,secondary,employed_formal,6.6,3.3,1,savings,National Bank,1,0,596.85,none,0,1,0,moderate_burden
South Africa,2021,rural,female,37,35-44,fourth,secondary,employed_formal,1.2,6.3,1,savings,Capitec,2,0,520.12,none,0,1,1,moderate_burden
Ghana,2019,rural,female,35,25-34,highest,primary,student,14.2,2.2,1,current,Stanbic,1,0,6464.69,none,0,0,0,moderate_burden
Kenya,2018,rural,male,40,35-44,second,secondary,employed_informal,2.8,16.2,1,savings,NCBA,3,0,412.69,none,0,0,0,moderate_burden
DRC,2020,urban,male,55,45-54,lowest,secondary,employed_informal,15.1,0.5,1,savings,BCDC,1,0,352.87,none,0,0,1,moderate_burden
Ghana,2024,rural,male,62,55+,lowest,primary,employed_informal,4.5,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2019,urban,male,40,35-44,middle,primary,employed_formal,6.1,2.8,1,savings,Stanbic,2,0,2245.95,none,0,0,1,moderate_burden
Tanzania,2020,urban,male,37,35-44,middle,primary,self_employed,0.8,0.6,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Ghana,2018,rural,male,51,45-54,middle,secondary,employed_informal,23.8,7.8,1,savings,Stanbic,0,4,0.0,none,0,1,1,moderate_burden
Kenya,2021,rural,male,61,55+,fourth,secondary,employed_formal,8.0,9.0,1,current,Stanbic,0,23,0.0,none,0,1,0,moderate_burden
Mali,2021,rural,female,25,18-24,fourth,primary,employed_informal,6.3,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Ghana,2020,urban,male,47,45-54,second,none,self_employed,1.9,8.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2025,rural,male,30,25-34,second,primary,employed_informal,18.6,4.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2021,rural,female,69,55+,second,primary,employed_informal,32.7,5.5,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
DRC,2018,urban,male,53,45-54,highest,tertiary,employed_informal,3.4,1.5,1,salary_account,FBNBank,2,0,1029.98,none,0,0,1,moderate_burden
Rwanda,2023,urban,male,32,25-34,lowest,primary,employed_formal,0.9,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2020,urban,male,53,45-54,fourth,secondary,unemployed,0.7,3.7,1,current,Fidelity,3,0,4003.17,none,0,1,0,moderate_burden
Malawi,2022,urban,female,30,25-34,second,secondary,self_employed,3.9,1.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2020,urban,male,31,25-34,middle,none,employed_informal,0.6,2.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mali,2024,rural,female,74,55+,fourth,primary,unemployed,6.9,5.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Malawi,2023,rural,female,36,35-44,second,tertiary,self_employed,6.8,4.8,1,current,Standard Bank,0,22,0.0,none,1,0,1,moderate_burden
Kenya,2023,rural,female,70,55+,middle,secondary,employed_informal,40.7,8.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2024,rural,male,49,45-54,fourth,secondary,unemployed,0.4,16.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
DRC,2025,urban,female,63,55+,second,none,employed_informal,3.4,0.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2019,urban,female,32,25-34,second,primary,employed_informal,1.3,1.5,1,savings,Standard Bank,4,0,317.82,none,0,0,0,moderate_burden
Malawi,2024,rural,male,38,35-44,fourth,primary,self_employed,22.1,25.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Malawi,2023,urban,female,71,55+,fourth,none,employed_informal,8.6,3.8,1,fixed_deposit,NBS Bank,2,0,467.04,none,0,0,0,moderate_burden
South Africa,2025,rural,female,46,45-54,highest,none,self_employed,10.8,0.1,1,savings,Nedbank,2,0,1245.92,none,1,1,1,moderate_burden
Senegal,2018,rural,female,58,55+,fourth,primary,unemployed,2.8,16.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2023,rural,male,50,45-54,middle,none,self_employed,16.0,1.9,1,savings,Equity BCDC,1,0,354.59,none,0,0,0,moderate_burden
Ethiopia,2021,rural,female,21,18-24,lowest,primary,employed_informal,0.6,4.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2024,rural,male,61,55+,lowest,primary,employed_informal,2.7,8.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Tanzania,2024,rural,male,21,18-24,lowest,secondary,self_employed,8.7,4.2,1,savings,Stanbic,3,0,64.61,none,0,0,0,moderate_burden
Ethiopia,2018,urban,male,22,18-24,fourth,secondary,employed_informal,0.5,0.0,1,savings,Commercial Bank of Ethiopia,4,0,1704.72,none,0,0,0,moderate_burden
Ethiopia,2020,rural,female,35,25-34,highest,none,self_employed,1.0,3.2,1,savings,Commercial Bank of Ethiopia,2,0,5812.88,none,0,0,0,moderate_burden
Kenya,2021,urban,female,71,55+,lowest,none,self_employed,4.1,1.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2024,urban,female,73,55+,highest,none,employed_informal,1.4,1.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2025,urban,female,47,45-54,middle,primary,unemployed,1.0,0.3,1,savings,Stanbic,1,0,316.73,none,0,0,0,moderate_burden
Rwanda,2024,rural,male,49,45-54,highest,secondary,employed_informal,20.9,19.1,1,savings,I&M Bank,2,0,3558.68,none,0,1,0,moderate_burden
Zambia,2025,rural,male,34,25-34,second,primary,self_employed,35.1,5.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,rural,female,64,55+,lowest,none,employed_formal,9.7,3.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2022,rural,male,50,45-54,second,primary,employed_informal,3.6,1.6,1,savings,BAK,1,0,162.16,none,1,0,0,moderate_burden
Mozambique,2025,rural,female,22,18-24,fourth,tertiary,employed_informal,40.5,6.0,1,savings,Millennium BIM,2,0,775.68,none,0,1,0,moderate_burden
Nigeria,2018,rural,female,25,18-24,fourth,secondary,unemployed,28.2,8.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2020,rural,male,26,25-34,lowest,none,student,2.0,0.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2023,rural,male,74,55+,lowest,tertiary,unemployed,5.4,34.1,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2019,rural,female,21,18-24,middle,primary,student,9.5,8.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2023,rural,male,18,18-24,lowest,secondary,unemployed,18.6,19.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2019,urban,female,27,25-34,second,primary,employed_formal,0.3,1.5,1,savings,Ecobank,1,0,586.06,none,0,0,0,moderate_burden
Ethiopia,2020,urban,female,61,55+,lowest,primary,employed_informal,7.9,2.3,1,savings,Dashen Bank,1,0,331.29,none,0,1,0,moderate_burden
Ethiopia,2018,urban,male,45,35-44,second,secondary,unemployed,3.3,0.4,1,savings,Awash Bank,0,12,0.0,none,1,1,1,moderate_burden
DRC,2024,urban,male,21,18-24,fourth,tertiary,employed_informal,0.4,1.6,1,savings,BCDC,2,0,1673.95,none,0,0,0,moderate_burden
Nigeria,2023,urban,female,55,45-54,middle,none,unemployed,1.2,2.2,1,current,Zenith Bank,1,0,520.07,none,0,1,0,moderate_burden
Nigeria,2019,rural,male,63,55+,middle,primary,unemployed,6.0,5.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Senegal,2020,urban,female,30,25-34,middle,secondary,employed_formal,0.7,4.0,1,current,CBAO,1,0,358.69,none,0,0,1,moderate_burden
Senegal,2019,rural,female,31,25-34,highest,primary,employed_informal,7.9,10.0,1,current,CBAO,1,0,1974.01,none,0,0,0,moderate_burden
Ethiopia,2024,rural,female,18,18-24,middle,tertiary,student,7.6,8.7,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
South Africa,2023,rural,female,56,55+,middle,secondary,self_employed,2.3,1.4,1,current,FNB,0,14,0.0,none,1,0,0,moderate_burden
DRC,2021,rural,male,18,18-24,highest,none,self_employed,45.4,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2018,rural,male,25,18-24,second,secondary,self_employed,14.9,4.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
South Africa,2021,rural,male,28,25-34,lowest,secondary,self_employed,0.3,1.3,1,savings,Nedbank,2,0,97.22,none,0,0,0,moderate_burden
Niger,2022,urban,female,27,25-34,middle,primary,employed_informal,0.2,0.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Kenya,2025,rural,female,64,55+,highest,none,student,1.0,1.0,1,current,Stanbic,0,13,0.0,none,0,1,0,moderate_burden
Zambia,2023,rural,female,65,55+,fourth,secondary,employed_formal,0.3,4.0,1,savings,Zanaco,1,0,297.78,none,0,0,0,moderate_burden
Nigeria,2024,urban,male,57,55+,highest,tertiary,self_employed,4.1,3.8,1,savings,GTBank,2,0,3893.53,none,0,1,1,moderate_burden
Malawi,2022,rural,male,47,45-54,lowest,none,unemployed,9.8,0.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Kenya,2024,rural,male,21,18-24,lowest,tertiary,unemployed,1.4,3.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2020,rural,male,65,55+,middle,tertiary,self_employed,13.9,3.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2020,rural,female,52,45-54,fourth,primary,employed_formal,7.7,8.9,1,current,BCI,2,0,1174.89,none,0,1,0,moderate_burden
Rwanda,2023,rural,female,62,55+,highest,primary,self_employed,11.1,1.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2018,rural,male,34,25-34,middle,none,employed_informal,20.2,0.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2025,rural,male,38,35-44,middle,primary,self_employed,45.9,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2022,rural,female,67,55+,highest,secondary,employed_informal,6.6,2.9,1,salary_account,Bank of Kigali,2,0,1565.19,none,0,0,0,moderate_burden
Malawi,2023,rural,male,63,55+,highest,none,employed_informal,18.4,2.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2018,urban,female,52,45-54,second,secondary,employed_formal,3.8,0.4,1,fixed_deposit,BCI,4,0,475.81,none,0,1,1,moderate_burden
Zambia,2018,urban,male,55,45-54,fourth,tertiary,self_employed,6.4,2.6,1,current,Absa,0,7,0.0,none,0,0,0,moderate_burden
Ethiopia,2018,rural,female,25,18-24,fourth,secondary,employed_informal,2.4,1.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mali,2022,rural,female,31,25-34,highest,primary,self_employed,0.9,1.2,1,savings,BMCD,1,0,1088.16,none,0,0,0,moderate_burden
Mali,2025,urban,female,39,35-44,fourth,none,employed_formal,11.8,0.3,1,salary_account,Ecobank,3,0,1084.36,none,0,0,0,moderate_burden
Ghana,2018,rural,male,34,25-34,second,primary,employed_informal,24.2,5.4,1,savings,Absa,3,0,625.95,none,0,0,0,moderate_burden
Zambia,2025,rural,female,21,18-24,middle,tertiary,student,4.4,0.2,1,savings,Stanbic,1,0,589.49,none,0,0,0,moderate_burden
Nigeria,2023,rural,male,29,25-34,lowest,primary,employed_informal,1.9,15.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2018,urban,female,59,55+,fourth,secondary,unemployed,5.9,1.5,1,current,Standard Bank,3,0,2135.96,none,0,0,0,moderate_burden
Malawi,2025,urban,male,26,25-34,lowest,primary,employed_informal,0.4,0.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Zambia,2018,rural,female,23,18-24,middle,primary,employed_informal,0.6,2.2,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2023,rural,male,62,55+,second,primary,unemployed,0.2,6.1,1,salary_account,Equity Bank,2,0,2228.0,none,0,1,1,moderate_burden
Senegal,2022,rural,female,50,45-54,lowest,secondary,self_employed,8.9,6.6,1,savings,CBAO,0,6,0.0,none,0,0,0,moderate_burden
DRC,2025,rural,female,59,55+,middle,none,unemployed,1.2,2.0,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Nigeria,2019,rural,male,51,45-54,fourth,none,employed_formal,8.5,2.2,1,fixed_deposit,Access Bank,0,21,0.0,none,0,1,0,moderate_burden
Tanzania,2023,rural,female,69,55+,lowest,secondary,employed_informal,3.1,0.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Uganda,2024,rural,female,20,18-24,second,primary,employed_formal,6.7,15.4,1,savings,KCB,2,0,721.31,none,0,0,0,moderate_burden
Senegal,2021,urban,female,43,35-44,highest,secondary,employed_informal,5.1,2.9,1,savings,BHS,1,0,727.91,none,0,0,1,moderate_burden
Ghana,2022,rural,male,59,55+,second,none,unemployed,1.6,10.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2025,rural,female,62,55+,middle,primary,self_employed,9.9,0.8,1,savings,Stanbic,0,17,0.0,none,0,1,1,moderate_burden
DRC,2019,rural,female,38,35-44,fourth,none,unemployed,15.8,20.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2021,urban,male,24,18-24,highest,tertiary,student,6.6,4.5,1,savings,FDH Bank,2,0,1175.76,none,1,0,0,moderate_burden
Niger,2021,rural,female,50,45-54,highest,tertiary,employed_informal,13.8,5.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2025,rural,female,41,35-44,second,secondary,student,22.0,21.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Malawi,2024,rural,female,50,45-54,fourth,none,self_employed,4.1,38.5,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Nigeria,2024,rural,male,42,35-44,lowest,secondary,unemployed,5.5,3.6,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2024,rural,female,53,45-54,middle,none,self_employed,13.4,14.1,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Rwanda,2019,rural,female,36,35-44,lowest,secondary,employed_formal,0.2,0.8,1,current,I&M Bank,2,0,635.11,none,0,0,0,moderate_burden
Malawi,2021,urban,female,47,45-54,second,primary,student,0.3,1.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2018,urban,male,29,25-34,middle,primary,unemployed,5.0,4.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2024,urban,female,29,25-34,middle,none,self_employed,4.4,1.6,1,savings,Zenith Bank,2,0,228.42,none,0,0,0,moderate_burden
Niger,2018,rural,female,38,35-44,lowest,secondary,employed_formal,5.0,5.3,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Nigeria,2023,urban,male,48,45-54,fourth,tertiary,employed_informal,2.0,0.2,1,savings,Access Bank,0,15,0.0,none,0,1,0,moderate_burden
Nigeria,2018,rural,male,25,18-24,lowest,secondary,student,0.9,9.9,1,savings,First Bank,1,0,394.96,none,0,1,0,moderate_burden
Rwanda,2018,urban,male,64,55+,highest,primary,employed_informal,0.1,4.0,1,savings,I&M Bank,3,0,1136.36,none,1,1,0,moderate_burden
Kenya,2023,rural,female,49,45-54,middle,none,employed_informal,15.2,6.4,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ethiopia,2024,urban,female,53,45-54,second,tertiary,self_employed,2.2,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2022,rural,male,41,35-44,fourth,none,unemployed,3.1,5.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2024,rural,female,27,25-34,lowest,primary,self_employed,16.3,4.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ghana,2022,urban,male,21,18-24,second,primary,unemployed,10.9,2.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2022,rural,male,35,25-34,highest,primary,self_employed,11.8,18.8,1,savings,I&M Bank,3,0,1000.09,none,0,0,0,moderate_burden
Zambia,2022,rural,male,51,45-54,lowest,none,self_employed,20.2,0.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2023,rural,female,56,55+,fourth,none,unemployed,8.9,1.4,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Niger,2021,urban,male,47,45-54,highest,secondary,self_employed,0.6,0.1,1,current,Orabank,1,0,1224.57,none,0,1,1,moderate_burden
Mozambique,2023,urban,female,51,45-54,middle,none,unemployed,2.2,1.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2023,urban,male,64,55+,second,primary,unemployed,0.9,2.9,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Nigeria,2020,urban,female,30,25-34,lowest,primary,employed_informal,1.1,0.7,1,savings,GTBank,4,0,118.54,none,0,0,0,moderate_burden
Ethiopia,2024,rural,female,56,55+,lowest,primary,employed_informal,4.3,19.7,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Uganda,2018,rural,female,31,25-34,second,secondary,employed_informal,16.1,1.9,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2020,urban,female,38,35-44,fourth,none,self_employed,0.3,4.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2024,urban,female,67,55+,second,primary,employed_informal,5.2,0.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Senegal,2025,urban,female,73,55+,lowest,primary,self_employed,4.6,0.5,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2020,urban,female,55,45-54,fourth,none,employed_informal,0.3,3.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Nigeria,2019,rural,female,30,25-34,second,secondary,self_employed,42.3,3.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
DRC,2024,rural,female,50,45-54,middle,tertiary,employed_informal,2.6,18.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2024,rural,male,23,18-24,fourth,secondary,self_employed,9.8,1.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2020,urban,male,55,45-54,fourth,secondary,student,3.3,1.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2018,urban,female,43,35-44,highest,none,employed_formal,3.0,2.2,1,current,Standard Bank,0,11,0.0,none,0,1,1,moderate_burden
Ghana,2025,rural,male,68,55+,lowest,secondary,self_employed,12.4,4.2,1,savings,Absa,2,0,180.14,none,1,0,0,moderate_burden
Uganda,2023,urban,female,66,55+,fourth,primary,self_employed,3.9,0.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Senegal,2019,urban,female,26,25-34,second,secondary,unemployed,0.9,3.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2018,urban,female,73,55+,lowest,secondary,employed_informal,3.4,0.0,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mali,2023,rural,female,74,55+,middle,tertiary,employed_informal,13.3,2.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Ethiopia,2019,urban,female,25,18-24,middle,secondary,unemployed,2.7,0.1,1,current,Awash Bank,2,0,286.75,none,0,0,0,moderate_burden
Kenya,2018,rural,male,52,45-54,middle,none,employed_informal,14.6,8.3,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2019,urban,female,68,55+,lowest,primary,employed_formal,0.2,0.9,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Niger,2018,urban,female,63,55+,lowest,secondary,employed_informal,5.3,2.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ghana,2018,urban,male,68,55+,second,primary,employed_informal,3.3,0.2,1,fixed_deposit,GCB,1,0,127.12,none,0,0,0,moderate_burden
Ethiopia,2018,rural,female,58,55+,middle,primary,employed_informal,0.1,5.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2022,rural,male,67,55+,highest,none,self_employed,14.5,4.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Tanzania,2018,urban,male,31,25-34,fourth,secondary,employed_formal,3.5,9.0,1,savings,NBC,0,9,0.0,none,0,1,0,moderate_burden
Rwanda,2022,rural,male,52,45-54,second,secondary,unemployed,42.6,0.6,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
DRC,2021,urban,male,65,55+,highest,primary,student,0.4,1.7,1,salary_account,Equity BCDC,2,0,1293.14,none,0,1,0,moderate_burden
Tanzania,2019,urban,female,58,55+,middle,tertiary,student,3.5,0.0,1,current,CRDB,3,0,199.58,none,0,0,1,moderate_burden
Ghana,2018,urban,female,71,55+,second,secondary,unemployed,11.3,0.6,1,fixed_deposit,Absa,0,6,0.0,none,1,1,1,moderate_burden
DRC,2021,urban,male,71,55+,second,secondary,employed_informal,1.9,3.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Kenya,2019,urban,male,23,18-24,middle,secondary,employed_formal,1.6,3.0,1,current,Cooperative Bank,1,0,332.07,none,0,0,0,moderate_burden
Senegal,2024,urban,male,39,35-44,second,primary,employed_formal,5.4,1.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ghana,2024,rural,male,67,55+,lowest,none,employed_formal,0.7,3.4,1,savings,Absa,0,22,0.0,none,0,1,0,moderate_burden
Senegal,2022,urban,male,45,35-44,highest,secondary,employed_informal,5.2,8.9,1,current,CBAO,1,0,1193.31,none,0,1,0,moderate_burden
Ethiopia,2023,urban,male,71,55+,second,none,unemployed,11.2,0.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2019,rural,female,61,55+,second,none,self_employed,12.2,0.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Senegal,2020,urban,male,33,25-34,lowest,secondary,employed_formal,0.4,0.5,1,salary_account,Ecobank,1,0,90.7,none,1,0,0,moderate_burden
DRC,2024,urban,female,67,55+,second,tertiary,employed_informal,1.1,4.3,1,salary_account,BCDC,0,15,0.0,none,0,1,0,moderate_burden
Ghana,2023,rural,female,55,45-54,middle,none,student,10.9,12.4,1,current,Ecobank,3,0,888.94,none,0,0,0,moderate_burden
Mozambique,2024,rural,female,59,55+,second,none,employed_formal,7.0,5.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2025,rural,female,55,45-54,middle,tertiary,self_employed,14.6,6.1,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Niger,2025,rural,male,50,45-54,second,secondary,unemployed,3.4,4.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Malawi,2018,rural,male,70,55+,lowest,secondary,employed_informal,2.6,10.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
South Africa,2023,rural,male,32,25-34,middle,none,employed_informal,1.6,2.1,1,current,Absa,1,0,201.62,none,1,0,0,moderate_burden
Nigeria,2023,rural,female,62,55+,second,none,unemployed,1.0,0.5,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Ethiopia,2023,rural,male,68,55+,second,tertiary,employed_formal,0.5,8.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mali,2025,urban,female,30,25-34,lowest,primary,student,1.9,1.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Niger,2024,urban,male,67,55+,lowest,primary,employed_formal,1.8,3.6,1,current,Orabank,3,0,86.7,none,0,0,0,moderate_burden
Malawi,2024,urban,male,36,35-44,lowest,primary,unemployed,3.2,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2022,rural,male,47,45-54,lowest,primary,self_employed,18.5,9.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2020,urban,female,47,45-54,lowest,secondary,employed_informal,9.1,0.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Kenya,2021,rural,male,41,35-44,second,tertiary,employed_informal,10.4,2.6,1,current,Stanbic,3,0,259.52,none,0,0,1,moderate_burden
Mali,2019,rural,male,73,55+,second,none,employed_formal,17.7,0.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2018,rural,female,33,25-34,highest,primary,self_employed,27.0,6.3,1,savings,Awash Bank,4,0,1353.28,none,0,0,0,moderate_burden
South Africa,2018,rural,female,29,25-34,second,secondary,employed_formal,6.8,3.6,1,salary_account,Capitec,0,15,0.0,none,0,0,1,moderate_burden
Zambia,2020,rural,male,62,55+,highest,none,employed_informal,15.9,2.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Mozambique,2025,rural,male,63,55+,second,primary,employed_formal,19.9,2.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2023,rural,female,36,35-44,second,primary,employed_informal,19.3,0.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2018,rural,male,29,25-34,lowest,tertiary,employed_informal,2.5,2.6,1,savings,Millennium BIM,0,12,0.0,none,1,1,1,moderate_burden
Senegal,2019,urban,female,32,25-34,second,tertiary,employed_informal,3.8,1.8,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Zambia,2020,urban,male,56,55+,second,tertiary,employed_formal,3.3,0.0,1,savings,Zanaco,4,0,175.55,none,1,1,0,moderate_burden
Senegal,2022,urban,female,71,55+,second,none,student,1.7,2.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2022,urban,female,20,18-24,second,none,student,2.4,0.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2022,rural,male,37,35-44,middle,tertiary,self_employed,6.7,29.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Malawi,2024,rural,female,62,55+,middle,tertiary,unemployed,15.2,4.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2023,rural,male,47,45-54,highest,secondary,self_employed,6.0,18.0,1,savings,Equity Bank,3,0,568.34,none,1,0,0,moderate_burden
Kenya,2021,urban,male,45,35-44,fourth,primary,employed_informal,2.6,2.4,1,current,Cooperative Bank,2,0,1667.54,none,1,1,1,moderate_burden
DRC,2020,urban,female,67,55+,second,none,employed_informal,2.1,1.1,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Ethiopia,2018,rural,male,35,25-34,lowest,none,employed_formal,9.1,27.4,1,savings,Dashen Bank,3,0,270.09,none,0,0,0,moderate_burden
Rwanda,2019,rural,male,68,55+,highest,secondary,employed_formal,0.6,0.7,1,savings,Equity Bank,1,0,3110.86,none,0,0,0,moderate_burden
Mali,2023,rural,female,56,55+,second,tertiary,unemployed,2.0,17.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2022,rural,female,66,55+,second,primary,student,6.1,19.4,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Malawi,2025,urban,female,49,45-54,second,none,employed_informal,1.7,4.9,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
South Africa,2022,rural,male,30,25-34,second,tertiary,student,8.3,7.4,1,savings,Capitec,3,0,116.82,none,0,0,0,moderate_burden
Ghana,2018,rural,female,30,25-34,highest,secondary,unemployed,2.0,14.6,1,savings,Absa,1,0,6290.67,none,1,0,0,moderate_burden
Mozambique,2025,rural,male,48,45-54,lowest,none,self_employed,33.4,4.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2021,urban,female,59,55+,second,primary,employed_formal,3.0,1.0,1,savings,Standard Bank,3,0,175.08,none,0,0,1,moderate_burden
South Africa,2023,rural,male,72,55+,second,secondary,unemployed,1.4,19.2,1,savings,Capitec,3,0,628.79,none,0,1,0,moderate_burden
Uganda,2022,rural,male,53,45-54,fourth,primary,self_employed,1.0,24.6,1,savings,Centenary,2,0,525.75,none,0,0,0,moderate_burden
Kenya,2025,urban,female,20,18-24,lowest,none,student,4.5,1.5,0,none,none,0,0,0.0,trust,0,0,0,moderate_burden
Mozambique,2020,rural,male,50,45-54,middle,secondary,employed_formal,9.1,8.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
South Africa,2023,rural,female,39,35-44,second,tertiary,unemployed,3.0,0.1,1,salary_account,Nedbank,2,0,452.05,none,0,1,1,moderate_burden
Tanzania,2023,rural,male,24,18-24,middle,none,unemployed,1.3,5.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2023,rural,male,60,55+,lowest,secondary,self_employed,0.8,4.6,1,savings,Ecobank,1,0,438.87,none,0,0,0,moderate_burden
Ethiopia,2020,rural,male,68,55+,highest,secondary,unemployed,0.1,7.6,1,current,Awash Bank,1,0,1614.94,none,0,0,0,moderate_burden
Uganda,2023,rural,female,32,25-34,lowest,primary,employed_informal,24.1,1.9,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2021,urban,male,25,18-24,highest,tertiary,employed_informal,2.4,1.5,1,savings,Equity Bank,1,0,1620.95,none,0,0,0,moderate_burden
Kenya,2019,rural,male,24,18-24,lowest,secondary,unemployed,39.4,23.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Kenya,2024,rural,male,59,55+,middle,secondary,unemployed,25.4,0.8,1,savings,NCBA,0,9,0.0,none,1,0,0,moderate_burden
Mali,2018,urban,female,26,25-34,fourth,secondary,employed_informal,0.4,1.6,1,savings,BDM,4,0,195.03,none,0,1,0,moderate_burden
Mozambique,2021,rural,female,34,25-34,lowest,secondary,unemployed,17.4,3.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
DRC,2020,urban,male,37,35-44,fourth,secondary,employed_informal,0.1,4.5,1,savings,Rawbank,1,0,263.72,none,0,1,0,moderate_burden
Uganda,2021,urban,female,32,25-34,lowest,secondary,unemployed,1.9,0.2,0,none,none,0,0,0.0,other,0,0,0,moderate_burden
Mozambique,2019,rural,male,40,35-44,second,none,self_employed,18.0,2.6,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Tanzania,2025,urban,male,52,45-54,lowest,none,employed_formal,5.3,3.5,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Rwanda,2024,rural,male,25,18-24,second,primary,employed_formal,6.0,12.2,1,savings,Ecobank,1,0,279.19,none,0,0,0,moderate_burden
Niger,2021,rural,female,44,35-44,fourth,tertiary,unemployed,15.5,8.4,1,salary_account,Orabank,1,0,173.0,none,0,1,0,moderate_burden
Zambia,2022,rural,male,64,55+,second,secondary,self_employed,11.0,11.2,1,salary_account,Absa,1,0,645.09,none,0,1,0,moderate_burden
Tanzania,2020,urban,male,41,35-44,middle,secondary,employed_informal,2.9,2.0,1,savings,Stanbic,0,20,0.0,none,0,1,0,moderate_burden
Ghana,2020,rural,female,50,45-54,fourth,secondary,employed_informal,2.3,3.1,1,savings,GCB,2,0,1560.95,none,0,0,0,moderate_burden
Ethiopia,2019,urban,female,73,55+,fourth,secondary,employed_informal,1.3,0.8,1,savings,Awash Bank,3,0,931.93,none,0,1,0,moderate_burden
Ethiopia,2020,rural,male,53,45-54,highest,primary,unemployed,4.8,1.7,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2023,urban,male,37,35-44,fourth,secondary,employed_informal,1.9,2.3,1,savings,Awash Bank,1,0,1405.5,none,0,0,0,moderate_burden
Rwanda,2024,rural,male,68,55+,lowest,secondary,self_employed,1.4,20.1,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Rwanda,2022,rural,female,22,18-24,middle,secondary,employed_formal,14.9,4.8,1,savings,Bank of Kigali,1,0,413.95,none,0,1,0,moderate_burden
Zambia,2021,rural,male,37,35-44,lowest,primary,employed_informal,2.6,6.4,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2023,rural,male,33,25-34,lowest,primary,student,2.9,7.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Rwanda,2025,rural,female,63,55+,lowest,none,unemployed,48.0,11.3,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Niger,2025,rural,male,52,45-54,lowest,secondary,employed_informal,18.7,20.1,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Mozambique,2023,rural,male,43,35-44,middle,tertiary,self_employed,10.2,1.7,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Mozambique,2024,urban,female,21,18-24,lowest,secondary,self_employed,1.1,3.0,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Uganda,2023,urban,female,74,55+,middle,secondary,unemployed,5.5,1.2,0,none,none,0,0,0.0,religious,0,0,0,moderate_burden
Rwanda,2020,rural,male,26,25-34,fourth,primary,unemployed,23.0,3.4,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
DRC,2025,urban,male,60,55+,fourth,none,student,3.8,2.2,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Ethiopia,2025,urban,male,23,18-24,lowest,none,employed_informal,3.0,4.7,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Senegal,2022,rural,male,20,18-24,second,primary,unemployed,27.9,11.8,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Malawi,2021,urban,male,70,55+,second,primary,employed_formal,14.1,0.2,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Tanzania,2022,urban,male,71,55+,fourth,secondary,employed_informal,3.3,1.1,1,savings,NBC,3,0,625.74,none,0,1,1,moderate_burden
Senegal,2023,rural,male,23,18-24,lowest,primary,employed_informal,5.3,11.9,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
Mozambique,2021,urban,male,53,45-54,fourth,none,unemployed,4.6,4.8,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mozambique,2020,rural,female,19,18-24,fourth,primary,employed_informal,65.1,12.0,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Nigeria,2024,urban,male,39,35-44,second,secondary,student,3.4,0.7,1,savings,UBA,3,0,430.89,none,0,0,1,moderate_burden
Zambia,2021,rural,male,35,25-34,fourth,primary,employed_informal,15.5,11.3,1,salary_account,Stanbic,2,0,663.17,none,0,1,1,moderate_burden
DRC,2024,urban,male,66,55+,lowest,tertiary,student,8.7,0.0,1,savings,BCDC,0,23,0.0,none,0,0,0,moderate_burden
Uganda,2025,urban,male,67,55+,middle,primary,employed_formal,3.7,0.3,0,none,none,0,0,0.0,no_need,0,0,0,moderate_burden
South Africa,2024,rural,male,31,25-34,fourth,none,student,34.2,11.2,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Zambia,2024,rural,female,55,45-54,fourth,primary,self_employed,10.5,14.8,0,none,none,0,0,0.0,distance,0,0,0,moderate_burden
Uganda,2025,rural,female,46,45-54,fourth,primary,student,3.5,6.2,1,current,KCB,1,0,1701.81,none,0,1,0,moderate_burden
Uganda,2023,urban,male,42,35-44,lowest,tertiary,employed_informal,2.7,0.5,1,salary_account,DFCU,1,0,398.4,none,0,0,1,moderate_burden
Rwanda,2022,rural,female,57,55+,lowest,primary,employed_informal,12.7,0.0,0,none,none,0,0,0.0,cost,0,0,0,moderate_burden
Mali,2025,urban,female,24,18-24,fourth,secondary,self_employed,1.3,0.2,1,current,BMCD,1,0,845.19,none,0,0,0,moderate_burden
Senegal,2022,rural,female,20,18-24,fourth,none,unemployed,8.4,15.9,1,savings,Ecobank,1,0,1542.85,none,0,0,1,moderate_burden
Uganda,2019,urban,female,18,18-24,second,primary,unemployed,0.7,1.0,0,none,none,0,0,0.0,documentation,0,0,0,moderate_burden
Senegal,2018,rural,female,45,35-44,highest,secondary,unemployed,41.5,0.3,1,salary_account,Ecobank,2,0,5873.63,none,0,1,0,moderate_burden
Niger,2018,rural,female,22,18-24,second,secondary,unemployed,15.8,20.7,0,none,none,0,0,0.0,other,0,0,0,moderate_burden