country,year,urban_rural,gender,age,age_group,income_quintile,education,employment_status,monthly_income_usd,income_stability,credit_history,has_bank_account,credit_score,credit_need,preferred_credit_source,loan_amount_requested_usd,collateral_available,loan_purpose,approved,loan_disbursed_usd,interest_rate,loan_term_months,monthly_payment_usd,repayment_status,rejection_reason,scenario
Uganda,2020,rural,female,65,55+,middle,none,self_employed,143.25,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,female,44,35-44,fourth,secondary,employed_informal,129.63,8,good,0,260,1,informal_lender,9743.53,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2018,rural,male,49,45-54,fourth,tertiary,employed_informal,166.68,6,good,0,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,36,35-44,lowest,primary,employed_formal,87.63,10,none,1,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,female,64,55+,lowest,tertiary,farmer,64.67,1,none,1,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,female,21,18-24,fourth,secondary,self_employed,825.77,4,limited,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,32,25-34,highest,tertiary,farmer,1169.03,7,limited,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,female,69,55+,highest,primary,unemployed,335.5,1,none,1,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,female,43,35-44,highest,none,self_employed,1290.22,6,excellent,1,382,1,commercial_bank,5307.51,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2018,rural,female,27,25-34,middle,none,unemployed,333.05,1,good,1,850,1,microfinance,4925.17,guarantor,agriculture,1,4350.51,0.361,24,246.79,late_60_days,not_applicable,low_burden
Zambia,2020,urban,female,39,35-44,highest,secondary,self_employed,1154.66,5,excellent,0,532,1,informal_lender,28604.99,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2025,urban,female,31,25-34,second,tertiary,self_employed,257.24,7,none,0,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,45,35-44,fourth,primary,self_employed,85.25,10,none,1,0,1,informal_lender,1542.95,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2021,urban,male,30,25-34,highest,none,employed_informal,495.3,1,none,1,94,1,commercial_bank,8899.72,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2020,rural,male,38,35-44,fourth,none,employed_informal,857.95,6,none,1,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,65,55+,second,secondary,self_employed,99.74,6,none,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,22,18-24,second,tertiary,employed_formal,857.9,4,none,0,155,1,family_friends,4867.25,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2019,rural,female,57,55+,second,primary,employed_informal,49.57,7,limited,0,146,1,family_friends,3056.36,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2019,urban,male,22,18-24,second,secondary,farmer,540.75,1,none,0,126,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,female,41,35-44,fourth,secondary,self_employed,215.04,7,none,1,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,male,52,45-54,fourth,tertiary,employed_formal,899.67,6,limited,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,male,67,55+,lowest,secondary,employed_formal,73.08,5,limited,0,799,1,informal_lender,11355.41,equipment,housing,1,9681.79,0.78,36,478.81,current,not_applicable,low_burden
Nigeria,2022,urban,female,31,25-34,fourth,primary,unemployed,533.41,1,good,1,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,male,20,18-24,second,secondary,unemployed,184.05,1,limited,1,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,57,55+,middle,secondary,self_employed,130.19,3,none,1,433,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,female,64,55+,second,tertiary,employed_informal,212.53,5,limited,0,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,47,45-54,middle,secondary,self_employed,166.04,9,limited,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,21,18-24,fourth,none,employed_informal,373.51,9,none,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,44,35-44,fourth,secondary,farmer,51.76,8,none,1,0,1,sacco,3927.94,property,agriculture,1,3734.89,0.309,6,815.08,late_30_days,not_applicable,low_burden
Malawi,2021,rural,female,38,35-44,fourth,secondary,self_employed,260.39,5,good,0,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,41,35-44,second,primary,farmer,293.77,2,none,0,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,20,18-24,fourth,tertiary,self_employed,799.98,5,none,0,322,1,commercial_bank,7943.11,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2020,rural,female,34,25-34,lowest,primary,farmer,112.04,1,none,0,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,male,69,55+,middle,tertiary,self_employed,207.61,2,good,0,299,1,family_friends,2392.54,guarantor,emergency,1,2086.47,0.087,12,189.08,paid_off,not_applicable,low_burden
Mozambique,2021,urban,male,20,18-24,middle,primary,self_employed,964.6,4,limited,0,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,female,65,55+,fourth,none,self_employed,601.98,7,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,male,44,35-44,highest,secondary,self_employed,624.06,8,good,1,850,1,informal_lender,5910.55,none,housing,1,5264.67,0.777,24,389.72,current,not_applicable,low_burden
DRC,2022,rural,female,48,45-54,second,secondary,unemployed,220.72,3,good,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,66,55+,fourth,tertiary,self_employed,938.36,3,none,0,0,1,commercial_bank,5505.34,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2020,rural,female,29,25-34,second,secondary,unemployed,188.49,4,none,0,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,69,55+,middle,none,self_employed,150.85,10,good,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,32,25-34,fourth,tertiary,employed_informal,401.56,7,excellent,1,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,female,36,35-44,fourth,secondary,employed_informal,1304.59,8,good,0,761,1,family_friends,3692.43,guarantor,business,1,3589.61,0.093,18,217.89,late_30_days,not_applicable,low_burden
Ethiopia,2018,rural,male,41,35-44,highest,primary,employed_formal,927.6,10,excellent,1,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,49,45-54,fourth,tertiary,farmer,117.2,8,limited,1,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,male,34,25-34,second,none,employed_formal,116.53,10,limited,0,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,female,59,55+,highest,none,employed_informal,617.47,3,limited,0,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,19,18-24,highest,secondary,employed_informal,584.23,4,limited,0,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,52,45-54,second,secondary,farmer,41.28,2,none,1,339,1,commercial_bank,623.28,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2021,rural,female,52,45-54,lowest,secondary,unemployed,226.27,1,none,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,45,35-44,second,tertiary,farmer,65.69,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,female,49,45-54,fourth,primary,employed_informal,187.83,10,none,0,626,1,family_friends,2471.73,savings,business,1,2051.38,0.014,12,173.36,paid_off,not_applicable,low_burden
Ethiopia,2024,rural,female,56,55+,highest,tertiary,self_employed,170.57,3,none,1,5,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,female,65,55+,fourth,none,employed_informal,604.75,8,limited,1,555,1,sacco,6363.08,savings,business,1,5810.33,0.295,12,627.13,late_30_days,not_applicable,low_burden
Zambia,2018,rural,female,29,25-34,second,none,unemployed,113.83,1,limited,0,146,1,digital_lender,6526.22,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Kenya,2021,rural,female,42,35-44,lowest,primary,employed_formal,47.12,10,limited,1,511,1,family_friends,1511.97,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2024,urban,female,47,45-54,middle,none,unemployed,242.19,2,limited,0,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,male,35,25-34,second,primary,farmer,183.05,5,none,1,536,1,sacco,4517.29,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2019,urban,female,68,55+,lowest,tertiary,farmer,64.22,4,none,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,female,44,35-44,lowest,secondary,farmer,14.97,10,limited,0,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,48,45-54,lowest,secondary,employed_informal,24.39,5,none,0,740,1,commercial_bank,656.98,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2018,rural,male,28,25-34,lowest,none,employed_informal,23.52,2,limited,0,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,female,39,35-44,fourth,tertiary,self_employed,596.48,6,good,1,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,50,45-54,second,primary,employed_informal,232.6,6,none,1,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,40,35-44,second,secondary,farmer,504.91,8,good,0,356,1,family_friends,3732.79,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2020,rural,male,58,55+,middle,secondary,self_employed,63.68,5,none,0,163,1,microfinance,610.33,savings,business,1,500.95,0.274,12,53.17,paid_off,not_applicable,low_burden
Mozambique,2024,urban,male,25,18-24,highest,none,unemployed,1529.21,1,limited,0,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,male,25,18-24,fourth,secondary,unemployed,214.38,1,good,1,850,1,family_friends,16383.85,property,agriculture,1,16311.29,0.009,18,914.66,current,not_applicable,low_burden
Uganda,2023,rural,male,35,25-34,middle,tertiary,employed_informal,1548.03,10,limited,1,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,female,34,25-34,fourth,primary,employed_informal,1295.7,2,limited,0,98,1,microfinance,9901.43,savings,business,1,8538.7,0.296,12,921.83,current,not_applicable,low_burden
Mali,2018,urban,male,60,55+,fourth,secondary,self_employed,1619.13,4,limited,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,female,63,55+,fourth,tertiary,employed_formal,578.26,5,none,1,442,1,microfinance,7038.54,savings,emergency,1,6912.17,0.336,12,769.28,late_60_days,not_applicable,low_burden
Malawi,2024,urban,male,42,35-44,middle,primary,farmer,389.8,3,limited,0,357,1,informal_lender,7502.72,property,business,1,6552.89,0.77,12,966.6,current,not_applicable,low_burden
Uganda,2025,urban,male,44,35-44,middle,primary,farmer,225.09,1,limited,1,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,33,25-34,second,primary,farmer,118.96,4,none,1,169,1,sacco,15504.54,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2018,urban,female,45,35-44,second,secondary,self_employed,103.36,10,none,0,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,54,45-54,second,primary,farmer,186.91,3,excellent,0,809,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,male,55,45-54,second,primary,self_employed,361.62,10,none,1,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,68,55+,second,primary,unemployed,140.97,3,good,0,414,1,informal_lender,2795.29,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2024,rural,female,48,45-54,middle,tertiary,farmer,120.62,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,35,25-34,middle,tertiary,farmer,105.62,7,none,0,221,1,informal_lender,1796.97,equipment,business,1,1741.69,0.844,12,267.63,current,not_applicable,low_burden
Malawi,2020,urban,female,21,18-24,lowest,secondary,employed_informal,106.66,10,limited,0,639,1,family_friends,10789.09,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2024,rural,male,53,45-54,second,tertiary,farmer,286.81,6,limited,0,116,1,microfinance,2300.75,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2024,urban,female,59,55+,second,secondary,employed_informal,443.12,9,limited,1,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,46,45-54,fourth,tertiary,self_employed,865.43,1,none,0,142,1,family_friends,16305.15,vehicle,business,1,15537.52,0.035,12,1339.94,current,not_applicable,low_burden
Niger,2023,rural,female,65,55+,second,none,self_employed,162.24,10,limited,1,405,1,commercial_bank,3671.72,property,business,1,3108.15,0.182,12,306.12,late_60_days,not_applicable,low_burden
Uganda,2020,rural,female,34,25-34,lowest,primary,employed_informal,64.16,1,limited,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,20,18-24,lowest,tertiary,employed_formal,147.81,5,none,1,621,1,informal_lender,4796.64,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2025,urban,male,50,45-54,middle,primary,employed_informal,137.18,8,limited,1,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,male,24,18-24,lowest,primary,farmer,66.0,3,none,0,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,male,22,18-24,middle,secondary,farmer,988.23,1,none,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,54,45-54,middle,secondary,unemployed,94.26,5,none,1,624,1,digital_lender,1306.67,property,consumption,1,1214.4,0.466,18,98.94,defaulted,not_applicable,low_burden
DRC,2020,rural,male,40,35-44,highest,primary,farmer,648.2,6,none,0,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,49,45-54,middle,primary,self_employed,464.17,5,good,0,196,1,family_friends,27659.22,none,emergency,1,23418.19,0.014,48,494.53,late_30_days,not_applicable,low_burden
Mozambique,2025,urban,male,56,55+,lowest,primary,farmer,95.22,4,excellent,1,470,1,commercial_bank,2469.9,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2022,urban,female,37,35-44,second,none,self_employed,404.6,8,none,0,139,1,family_friends,3626.23,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2022,rural,male,49,45-54,fourth,primary,employed_informal,959.38,4,none,1,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,female,46,45-54,second,secondary,unemployed,169.71,2,excellent,1,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,48,45-54,highest,secondary,unemployed,1757.0,1,none,0,29,1,family_friends,13799.71,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2020,rural,female,54,45-54,middle,primary,employed_formal,104.4,7,none,0,654,1,employer,2187.99,vehicle,housing,1,1758.7,0.069,12,156.64,paid_off,not_applicable,low_burden
DRC,2018,urban,male,37,35-44,lowest,primary,farmer,80.48,1,limited,1,94,1,commercial_bank,3749.73,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2025,rural,male,44,35-44,lowest,secondary,employed_formal,324.39,6,none,1,565,1,digital_lender,2373.29,equipment,business,1,2041.25,0.412,36,80.07,current,not_applicable,low_burden
DRC,2019,rural,female,48,45-54,highest,none,unemployed,2587.3,1,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,female,25,18-24,highest,primary,self_employed,405.23,8,good,0,850,1,informal_lender,6031.45,guarantor,education,1,5682.3,0.833,18,578.53,defaulted,not_applicable,low_burden
Mali,2018,rural,female,29,25-34,highest,primary,employed_informal,658.12,9,limited,0,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,male,22,18-24,second,secondary,farmer,199.05,6,limited,0,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,male,28,25-34,fourth,none,self_employed,441.37,10,none,0,510,1,employer,3982.11,savings,housing,1,3327.89,0.049,36,96.95,current,not_applicable,low_burden
Rwanda,2024,rural,female,40,35-44,lowest,primary,employed_formal,146.96,7,none,0,87,1,informal_lender,2306.28,vehicle,education,1,2134.6,0.759,12,312.89,paid_off,not_applicable,low_burden
Zambia,2022,rural,female,66,55+,second,secondary,farmer,439.54,5,good,1,439,1,commercial_bank,3245.46,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2020,rural,female,65,55+,fourth,secondary,farmer,338.49,7,good,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,male,57,55+,highest,secondary,self_employed,2172.66,2,good,1,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,47,45-54,second,tertiary,farmer,190.96,5,none,0,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,28,25-34,middle,secondary,employed_formal,197.06,10,good,1,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,36,35-44,lowest,primary,employed_informal,18.35,5,none,1,0,1,informal_lender,2782.75,savings,business,1,2651.9,0.821,18,268.25,paid_off,not_applicable,low_burden
Zambia,2020,rural,male,57,55+,second,primary,farmer,247.46,10,limited,0,77,1,digital_lender,3679.32,vehicle,agriculture,1,3171.82,0.408,18,248.05,paid_off,not_applicable,low_burden
Senegal,2021,urban,female,65,55+,lowest,none,employed_informal,137.27,7,limited,0,544,1,family_friends,3216.22,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2018,rural,female,68,55+,highest,primary,self_employed,872.21,2,none,0,469,1,digital_lender,9698.42,vehicle,housing,1,7956.73,0.497,48,248.23,paid_off,not_applicable,low_burden
Nigeria,2019,rural,male,38,35-44,lowest,none,unemployed,30.31,1,limited,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,male,43,35-44,fourth,primary,farmer,1938.58,4,limited,0,62,1,family_friends,20471.61,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2018,rural,female,44,35-44,second,secondary,self_employed,134.97,10,good,1,357,1,microfinance,2050.07,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2023,rural,male,20,18-24,middle,secondary,self_employed,89.96,4,none,0,229,1,digital_lender,3467.39,guarantor,business,1,3187.64,0.445,6,767.88,defaulted,not_applicable,low_burden
Niger,2025,rural,female,24,18-24,second,primary,unemployed,48.75,1,none,1,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,female,20,18-24,second,secondary,farmer,194.91,7,limited,0,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,56,55+,middle,primary,employed_formal,489.5,10,none,1,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,29,25-34,middle,secondary,self_employed,144.63,6,none,0,683,1,family_friends,2124.42,none,emergency,1,1755.35,0.038,6,303.76,current,not_applicable,low_burden
Senegal,2022,urban,male,54,45-54,highest,secondary,employed_informal,1369.44,9,none,1,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,37,35-44,second,primary,employed_formal,193.57,5,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,59,55+,middle,primary,employed_informal,220.58,9,limited,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,24,18-24,highest,tertiary,self_employed,406.42,3,excellent,1,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,male,34,25-34,second,secondary,farmer,237.76,8,good,0,529,1,microfinance,3942.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2018,rural,female,28,25-34,highest,secondary,unemployed,1193.52,2,limited,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,40,35-44,highest,none,self_employed,988.01,7,none,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,47,45-54,fourth,primary,self_employed,183.96,1,limited,0,646,1,microfinance,7644.26,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2022,rural,female,26,25-34,middle,primary,employed_informal,78.77,6,limited,1,342,1,informal_lender,705.33,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2025,rural,male,52,45-54,fourth,tertiary,employed_informal,347.89,1,good,0,744,1,digital_lender,2989.26,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2025,urban,male,68,55+,middle,none,employed_formal,571.93,9,limited,0,158,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,female,20,18-24,middle,primary,unemployed,414.3,1,limited,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,22,18-24,highest,tertiary,employed_informal,999.63,3,none,0,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,female,67,55+,second,primary,farmer,88.5,5,good,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,male,51,45-54,fourth,primary,employed_informal,187.8,3,good,1,688,1,commercial_bank,3540.72,none,emergency,1,2834.42,0.161,24,137.17,paid_off,not_applicable,low_burden
South Africa,2023,urban,male,65,55+,middle,secondary,self_employed,294.86,1,none,1,549,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,male,54,45-54,lowest,primary,unemployed,59.93,1,excellent,0,460,1,informal_lender,3251.47,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2019,urban,male,55,45-54,middle,tertiary,unemployed,647.7,1,none,1,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,26,25-34,fourth,none,employed_informal,351.61,8,none,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,44,35-44,middle,secondary,unemployed,151.51,2,good,1,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,36,35-44,fourth,primary,employed_informal,2073.12,2,limited,0,188,1,sacco,22056.81,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2021,urban,male,61,55+,second,secondary,farmer,536.02,5,none,0,616,1,employer,2232.0,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2024,rural,male,20,18-24,highest,secondary,employed_formal,357.94,9,none,1,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,18,18-24,middle,secondary,self_employed,559.16,3,none,0,645,1,family_friends,14693.91,property,housing,1,12139.32,0.045,6,2114.25,current,not_applicable,low_burden
Kenya,2021,urban,male,46,45-54,fourth,tertiary,farmer,224.3,2,none,0,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,68,55+,second,secondary,farmer,133.55,3,limited,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,69,55+,second,none,farmer,96.95,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,48,45-54,highest,none,employed_informal,628.92,3,limited,1,609,1,family_friends,9003.06,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2025,rural,female,40,35-44,lowest,primary,farmer,92.96,6,limited,1,434,1,informal_lender,2663.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2019,rural,female,32,25-34,second,primary,employed_informal,130.69,9,limited,1,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,female,69,55+,fourth,primary,employed_informal,756.44,9,excellent,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,27,25-34,fourth,secondary,employed_formal,248.89,10,none,1,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,urban,male,24,18-24,highest,secondary,employed_informal,1287.26,4,none,0,793,1,family_friends,3632.25,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2019,rural,male,44,35-44,fourth,tertiary,employed_formal,348.48,10,none,0,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,38,35-44,highest,primary,farmer,374.84,10,none,0,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,43,35-44,middle,secondary,employed_informal,280.46,4,limited,1,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,urban,female,64,55+,middle,secondary,self_employed,319.12,1,none,0,288,1,digital_lender,3563.93,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2022,rural,male,32,25-34,fourth,tertiary,employed_informal,200.05,5,limited,0,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,63,55+,fourth,secondary,farmer,365.38,5,excellent,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,male,29,25-34,lowest,primary,employed_informal,45.52,7,none,0,744,1,family_friends,4296.92,savings,agriculture,1,3666.69,0.078,36,109.81,paid_off,not_applicable,low_burden
DRC,2023,urban,female,34,25-34,second,none,employed_informal,152.46,2,none,1,374,1,family_friends,3804.07,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,urban,female,18,18-24,middle,tertiary,self_employed,1022.07,6,good,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,female,53,45-54,fourth,secondary,unemployed,2124.93,1,good,0,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,62,55+,middle,secondary,unemployed,29.67,1,none,0,688,1,family_friends,1764.14,none,education,1,1650.31,0.052,6,289.36,late_30_days,not_applicable,low_burden
Kenya,2023,rural,male,64,55+,fourth,secondary,self_employed,464.07,1,limited,1,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,26,25-34,fourth,secondary,unemployed,643.41,2,none,1,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,57,55+,second,secondary,self_employed,104.28,1,limited,1,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,female,25,18-24,middle,tertiary,unemployed,382.98,5,limited,0,419,1,employer,3016.81,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2020,urban,female,50,45-54,middle,tertiary,employed_formal,949.78,10,none,1,721,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,54,45-54,lowest,primary,employed_formal,23.06,10,none,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,25,18-24,middle,none,employed_formal,219.63,10,limited,0,107,1,family_friends,6727.69,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2020,rural,female,23,18-24,middle,none,farmer,786.85,10,limited,1,522,1,commercial_bank,6584.72,guarantor,education,1,5705.78,0.194,6,1135.77,current,not_applicable,low_burden
Nigeria,2023,rural,female,21,18-24,fourth,primary,employed_informal,138.64,3,good,1,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,54,45-54,second,secondary,employed_informal,111.91,1,limited,0,399,1,informal_lender,2873.41,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2021,rural,male,49,45-54,lowest,secondary,self_employed,44.01,10,good,1,145,1,commercial_bank,2165.12,guarantor,housing,1,2129.86,0.136,12,201.58,current,not_applicable,low_burden
South Africa,2023,rural,male,24,18-24,middle,primary,unemployed,417.65,3,limited,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,44,35-44,fourth,primary,self_employed,1132.51,7,limited,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,female,59,55+,middle,secondary,farmer,224.07,3,none,0,586,1,family_friends,2963.18,property,consumption,1,2810.44,0.085,24,127.07,current,not_applicable,low_burden
Niger,2024,rural,male,30,25-34,second,secondary,employed_informal,124.07,4,none,1,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,male,49,45-54,highest,secondary,unemployed,199.32,3,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,33,25-34,lowest,none,employed_formal,163.11,8,none,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,male,31,25-34,second,primary,employed_informal,141.33,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,male,38,35-44,second,secondary,self_employed,163.81,3,none,0,305,1,family_friends,2362.18,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2018,urban,female,36,35-44,fourth,secondary,employed_informal,971.11,4,good,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,female,43,35-44,fourth,secondary,farmer,378.66,9,limited,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,28,25-34,lowest,tertiary,farmer,181.45,4,good,0,850,1,informal_lender,1612.42,none,agriculture,1,1608.38,0.803,18,161.09,late_60_days,not_applicable,low_burden
Rwanda,2020,rural,female,38,35-44,fourth,none,employed_informal,503.06,5,excellent,1,332,1,commercial_bank,4154.73,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,rural,male,50,45-54,fourth,primary,employed_formal,380.3,9,limited,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,38,35-44,highest,primary,employed_formal,825.2,5,limited,0,745,1,digital_lender,2493.01,equipment,asset_purchase,1,2326.13,0.452,36,93.85,late_60_days,not_applicable,low_burden
South Africa,2022,urban,female,52,45-54,highest,primary,employed_formal,451.41,9,limited,0,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,24,18-24,fourth,primary,unemployed,297.09,1,limited,1,675,1,commercial_bank,6535.38,equipment,housing,1,5256.26,0.155,18,337.35,current,not_applicable,low_burden
Ethiopia,2022,urban,female,25,18-24,lowest,none,self_employed,191.93,9,good,0,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,63,55+,second,none,employed_informal,64.67,3,good,1,574,1,microfinance,1786.25,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ethiopia,2025,urban,male,42,35-44,highest,secondary,employed_formal,600.42,7,limited,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,urban,male,49,45-54,middle,none,farmer,161.19,5,good,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,male,56,55+,middle,secondary,farmer,332.18,4,limited,1,537,1,employer,4034.76,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2023,rural,female,25,18-24,highest,primary,unemployed,1772.4,2,none,1,796,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,68,55+,highest,primary,employed_informal,1452.92,8,none,1,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,female,40,35-44,fourth,none,self_employed,71.84,10,none,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,64,55+,highest,none,employed_informal,1045.61,9,none,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,male,39,35-44,lowest,primary,farmer,44.21,3,limited,0,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,male,39,35-44,fourth,secondary,self_employed,702.67,7,none,0,455,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,49,45-54,highest,tertiary,farmer,892.18,4,good,0,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,27,25-34,lowest,none,employed_formal,32.98,10,none,1,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,urban,female,49,45-54,lowest,none,farmer,85.48,1,none,1,658,1,commercial_bank,2911.12,vehicle,business,1,2415.58,0.138,18,152.68,current,not_applicable,low_burden
Ghana,2019,rural,male,69,55+,fourth,none,employed_informal,242.08,10,limited,0,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,female,51,45-54,middle,secondary,farmer,370.08,4,none,1,27,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,21,18-24,lowest,primary,employed_informal,32.4,8,none,1,408,1,digital_lender,1257.27,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2023,urban,female,54,45-54,second,primary,farmer,82.35,7,none,0,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,19,18-24,second,tertiary,employed_informal,202.51,4,limited,1,417,1,informal_lender,2071.21,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2025,urban,male,23,18-24,second,tertiary,farmer,393.27,10,none,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,32,25-34,highest,secondary,farmer,996.61,3,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,33,25-34,middle,none,self_employed,189.46,8,none,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,male,18,18-24,fourth,primary,employed_informal,196.42,10,none,1,371,1,informal_lender,4730.77,vehicle,agriculture,1,4039.69,0.784,18,400.29,current,not_applicable,low_burden
Mozambique,2019,rural,female,18,18-24,lowest,primary,employed_informal,37.36,2,none,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,male,59,55+,second,secondary,employed_informal,337.51,10,none,0,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,female,41,35-44,second,secondary,self_employed,101.57,9,good,0,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,male,28,25-34,highest,none,employed_formal,1839.31,7,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,40,35-44,highest,tertiary,employed_formal,1547.12,10,limited,1,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,male,54,45-54,second,primary,employed_informal,430.4,1,good,0,561,1,microfinance,17585.55,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2019,rural,male,56,55+,highest,secondary,employed_informal,1397.62,2,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,32,25-34,lowest,none,employed_informal,88.07,8,good,1,314,1,commercial_bank,5200.33,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2022,urban,male,26,25-34,second,primary,farmer,64.73,10,limited,1,224,1,commercial_bank,5748.87,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2020,rural,female,67,55+,fourth,none,employed_formal,505.43,5,limited,0,552,1,sacco,2769.71,none,business,1,2605.38,0.352,12,293.51,current,not_applicable,low_burden
Nigeria,2018,urban,female,50,45-54,second,secondary,unemployed,196.2,4,good,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,69,55+,highest,none,farmer,511.34,2,none,0,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,male,33,25-34,lowest,primary,self_employed,233.19,8,limited,0,387,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,female,23,18-24,fourth,secondary,farmer,296.6,9,limited,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,female,37,35-44,lowest,secondary,self_employed,41.58,5,limited,0,124,1,commercial_bank,1998.83,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2020,urban,female,35,25-34,lowest,secondary,self_employed,197.39,2,none,0,415,1,informal_lender,3684.5,guarantor,consumption,1,3423.09,0.805,18,343.2,late_30_days,not_applicable,low_burden
Niger,2018,urban,male,55,45-54,second,secondary,employed_informal,136.29,3,none,1,365,1,digital_lender,8437.89,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2025,urban,female,55,45-54,highest,secondary,farmer,660.29,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,21,18-24,middle,secondary,employed_informal,90.86,8,limited,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,female,48,45-54,middle,primary,self_employed,112.64,6,none,1,410,1,commercial_bank,5755.53,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2019,rural,male,35,25-34,lowest,none,employed_formal,36.03,8,none,0,252,1,informal_lender,1921.34,guarantor,debt_consolidation,1,1615.93,0.776,48,59.8,late_30_days,not_applicable,low_burden
Nigeria,2020,rural,male,49,45-54,lowest,primary,self_employed,93.04,7,limited,1,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,38,35-44,lowest,none,self_employed,29.52,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,female,45,35-44,fourth,primary,employed_informal,89.82,8,none,1,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,male,55,45-54,lowest,primary,employed_informal,74.48,2,excellent,1,524,1,sacco,714.2,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2020,rural,female,33,25-34,second,none,farmer,77.83,2,none,0,0,1,microfinance,1431.17,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2020,urban,male,28,25-34,middle,secondary,employed_informal,294.99,4,none,1,587,1,commercial_bank,7118.86,equipment,education,1,6688.97,0.189,48,165.73,current,not_applicable,low_burden
Mali,2020,rural,male,54,45-54,middle,secondary,employed_formal,490.79,6,limited,0,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,67,55+,second,secondary,employed_informal,190.26,8,none,1,169,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,male,41,35-44,lowest,tertiary,unemployed,258.54,6,none,0,0,1,sacco,3811.32,guarantor,business,1,3261.76,0.305,6,709.5,late_60_days,not_applicable,low_burden
Kenya,2021,rural,male,69,55+,second,primary,farmer,115.66,6,limited,0,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,27,25-34,fourth,primary,self_employed,995.44,9,limited,1,20,1,microfinance,7406.83,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2021,urban,male,60,55+,lowest,primary,farmer,61.26,5,none,1,262,1,sacco,3771.81,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2025,urban,female,69,55+,fourth,secondary,farmer,530.44,7,good,0,256,1,digital_lender,12135.94,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2020,rural,female,33,25-34,lowest,primary,farmer,31.35,8,good,1,279,1,commercial_bank,1258.87,none,asset_purchase,1,1175.39,0.152,12,112.87,paid_off,not_applicable,low_burden
Rwanda,2020,rural,female,25,18-24,highest,tertiary,farmer,375.54,3,limited,1,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,male,52,45-54,highest,primary,farmer,846.45,8,limited,0,358,1,sacco,10577.59,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2020,urban,female,63,55+,lowest,primary,self_employed,35.46,6,good,1,289,1,commercial_bank,5541.06,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2018,rural,male,22,18-24,second,secondary,employed_informal,135.62,6,none,0,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,female,51,45-54,second,primary,employed_formal,98.14,6,limited,1,126,1,digital_lender,7405.67,none,education,1,6384.86,0.474,18,522.84,defaulted,not_applicable,low_burden
Senegal,2018,urban,female,63,55+,fourth,secondary,employed_formal,579.71,7,none,0,531,1,family_friends,4636.97,guarantor,asset_purchase,1,3904.63,0.017,24,165.41,current,not_applicable,low_burden
Mali,2019,rural,male,19,18-24,middle,secondary,self_employed,79.76,9,none,0,321,1,family_friends,3456.98,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2019,rural,male,44,35-44,middle,secondary,unemployed,326.86,3,excellent,0,320,1,informal_lender,7959.27,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2020,urban,female,22,18-24,lowest,secondary,farmer,294.9,2,none,0,162,1,sacco,4928.11,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2024,rural,female,27,25-34,lowest,primary,farmer,170.53,6,none,1,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,43,35-44,fourth,primary,farmer,1250.19,7,none,1,392,1,commercial_bank,7463.9,guarantor,education,1,6709.81,0.188,12,664.54,defaulted,not_applicable,low_burden
Senegal,2025,rural,female,35,25-34,middle,secondary,unemployed,206.03,4,limited,0,585,1,informal_lender,1494.4,none,business,1,1488.64,0.823,48,56.55,current,not_applicable,low_burden
Malawi,2020,rural,female,22,18-24,fourth,primary,farmer,257.67,9,good,0,808,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,59,55+,fourth,primary,employed_informal,463.88,7,none,0,241,1,family_friends,3471.26,savings,business,1,3225.91,0.006,12,270.48,current,not_applicable,low_burden
Rwanda,2018,rural,female,28,25-34,middle,none,self_employed,169.28,1,good,0,376,1,family_friends,2571.88,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2022,rural,male,63,55+,middle,secondary,self_employed,59.15,5,none,0,749,1,family_friends,1207.72,none,business,1,1051.12,0.07,12,93.69,current,not_applicable,low_burden
Tanzania,2024,rural,female,27,25-34,highest,none,employed_informal,1178.3,3,good,0,661,1,family_friends,9039.66,none,emergency,1,8169.04,0.001,24,340.77,current,not_applicable,low_burden
Kenya,2022,rural,male,45,35-44,fourth,tertiary,employed_informal,279.85,1,good,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,55,45-54,highest,none,employed_informal,237.74,10,none,1,730,1,informal_lender,7515.25,guarantor,consumption,1,6671.45,0.831,18,678.7,defaulted,not_applicable,low_burden
South Africa,2020,rural,female,42,35-44,highest,primary,employed_informal,465.22,2,good,1,829,1,digital_lender,4541.17,property,business,1,3661.4,0.428,36,145.22,defaulted,not_applicable,low_burden
Malawi,2018,urban,male,39,35-44,second,primary,employed_informal,156.05,3,none,1,240,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,57,55+,fourth,primary,unemployed,496.01,1,limited,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,male,18,18-24,fourth,primary,employed_informal,500.2,5,none,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,60,55+,lowest,secondary,farmer,157.06,7,none,1,362,1,family_friends,1009.87,none,agriculture,1,944.08,0.015,6,159.77,current,not_applicable,low_burden
Kenya,2023,urban,female,53,45-54,middle,none,employed_formal,121.07,7,excellent,0,351,1,commercial_bank,3182.46,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2024,rural,male,57,55+,second,primary,unemployed,109.05,4,good,0,126,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,male,39,35-44,second,none,farmer,97.81,2,limited,0,697,1,microfinance,3700.73,guarantor,business,1,3112.68,0.283,6,665.61,current,not_applicable,low_burden
Zambia,2025,urban,female,37,35-44,lowest,primary,unemployed,216.51,6,excellent,0,850,1,informal_lender,4872.32,equipment,education,1,4418.44,0.794,36,220.13,current,not_applicable,low_burden
Niger,2019,rural,male,47,45-54,fourth,tertiary,self_employed,222.58,9,none,0,671,1,informal_lender,2823.79,guarantor,debt_consolidation,1,2299.08,0.779,12,340.8,paid_off,not_applicable,low_burden
Zambia,2021,urban,female,51,45-54,fourth,primary,self_employed,386.7,6,none,1,211,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,66,55+,middle,secondary,self_employed,417.01,1,good,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,male,62,55+,lowest,primary,self_employed,227.16,8,none,0,397,1,digital_lender,2129.48,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2023,rural,male,20,18-24,middle,primary,farmer,560.68,8,good,0,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,25,18-24,lowest,secondary,employed_formal,28.45,10,none,0,689,1,family_friends,3292.89,guarantor,education,1,3154.79,0.047,12,275.22,current,not_applicable,low_burden
Senegal,2024,rural,male,67,55+,second,none,employed_formal,170.1,6,none,1,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,38,35-44,second,tertiary,unemployed,146.55,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,48,45-54,highest,primary,employed_formal,955.71,8,none,0,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,female,20,18-24,second,primary,farmer,189.6,7,none,1,723,1,sacco,5042.79,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2021,urban,male,23,18-24,middle,tertiary,employed_informal,733.89,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,39,35-44,highest,primary,self_employed,1373.79,5,none,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,55,45-54,second,tertiary,employed_informal,227.27,10,good,0,493,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,urban,male,58,55+,highest,tertiary,self_employed,1145.0,5,limited,0,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,64,55+,lowest,primary,farmer,295.22,6,none,0,598,1,informal_lender,3236.71,none,asset_purchase,1,2600.65,0.835,24,198.79,current,not_applicable,low_burden
Malawi,2024,rural,male,28,25-34,second,primary,unemployed,91.64,6,none,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,28,25-34,lowest,secondary,employed_informal,19.44,10,none,1,437,1,commercial_bank,679.14,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2018,rural,male,46,45-54,middle,primary,employed_informal,166.11,6,none,1,594,1,microfinance,4427.68,guarantor,business,1,3826.81,0.28,48,102.09,paid_off,not_applicable,low_burden
Ethiopia,2020,rural,female,46,45-54,highest,secondary,farmer,691.41,3,limited,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,19,18-24,middle,none,employed_formal,497.97,5,none,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,male,41,35-44,middle,primary,employed_formal,139.86,10,excellent,0,751,1,informal_lender,2111.56,property,business,1,1851.13,0.776,48,68.49,current,not_applicable,low_burden
Mozambique,2018,urban,male,64,55+,second,secondary,self_employed,255.23,6,none,0,224,1,sacco,5782.89,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2023,urban,female,26,25-34,highest,secondary,farmer,352.22,6,none,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,male,60,55+,middle,secondary,employed_informal,636.07,10,limited,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,41,35-44,second,secondary,employed_formal,127.25,7,none,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,45,35-44,highest,primary,unemployed,813.97,1,none,1,849,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,51,45-54,second,primary,unemployed,539.41,3,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,female,54,45-54,second,primary,farmer,256.53,10,limited,0,644,1,sacco,5063.27,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Rwanda,2022,rural,female,51,45-54,lowest,primary,farmer,29.09,2,good,0,510,1,informal_lender,6784.82,guarantor,education,1,6475.94,0.761,48,237.63,current,not_applicable,low_burden
Niger,2024,rural,male,23,18-24,lowest,primary,unemployed,55.8,6,none,1,714,1,family_friends,2401.07,equipment,emergency,1,2388.38,0.064,12,211.71,paid_off,not_applicable,low_burden
Uganda,2020,urban,male,33,25-34,fourth,secondary,self_employed,3340.05,6,good,1,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,61,55+,middle,primary,farmer,799.1,6,limited,0,626,1,microfinance,24075.72,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2024,urban,male,20,18-24,highest,none,self_employed,1890.11,10,limited,1,759,1,commercial_bank,10739.93,property,agriculture,1,9002.92,0.192,24,447.26,current,not_applicable,low_burden
Rwanda,2020,rural,female,55,45-54,lowest,secondary,employed_informal,16.53,4,none,1,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,rural,female,45,35-44,middle,none,farmer,508.17,8,good,1,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,24,18-24,fourth,tertiary,farmer,211.39,1,none,1,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,male,24,18-24,middle,primary,employed_informal,505.11,7,none,1,293,1,commercial_bank,4044.67,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2018,urban,male,68,55+,middle,none,self_employed,179.91,1,limited,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,male,19,18-24,middle,tertiary,farmer,281.6,1,excellent,1,590,1,commercial_bank,2537.5,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,rural,female,19,18-24,fourth,secondary,employed_informal,210.63,4,none,0,0,1,family_friends,2515.77,equipment,housing,1,2082.58,0.085,6,376.55,current,not_applicable,low_burden
Rwanda,2021,rural,male,18,18-24,highest,secondary,farmer,514.92,4,none,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,female,50,45-54,second,primary,employed_formal,279.74,10,excellent,1,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,66,55+,second,primary,self_employed,71.89,9,good,0,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,male,26,25-34,middle,secondary,unemployed,1052.59,6,limited,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,female,59,55+,second,primary,farmer,88.17,7,none,0,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,female,55,45-54,lowest,secondary,unemployed,28.22,1,none,0,532,1,digital_lender,2494.96,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Nigeria,2018,rural,female,29,25-34,highest,primary,farmer,1028.56,7,excellent,1,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,21,18-24,lowest,primary,self_employed,148.81,5,none,0,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,male,43,35-44,lowest,none,farmer,71.65,6,good,1,258,1,microfinance,2999.91,property,business,1,2772.94,0.343,12,310.33,current,not_applicable,low_burden
Ethiopia,2020,rural,female,22,18-24,middle,secondary,employed_informal,94.47,6,limited,1,703,1,family_friends,1027.57,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2024,urban,male,23,18-24,lowest,primary,self_employed,47.12,9,excellent,1,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,female,42,35-44,lowest,tertiary,self_employed,29.29,4,limited,0,57,1,digital_lender,3608.53,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2025,rural,male,60,55+,lowest,primary,self_employed,74.74,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,urban,female,69,55+,lowest,primary,self_employed,85.57,6,good,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,female,50,45-54,second,primary,self_employed,243.81,7,excellent,0,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,32,25-34,fourth,secondary,employed_informal,635.06,10,good,0,334,1,informal_lender,16040.5,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2023,rural,male,35,25-34,second,secondary,employed_informal,216.01,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,49,45-54,second,primary,self_employed,91.05,5,none,0,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,urban,male,27,25-34,middle,primary,employed_formal,177.96,6,good,1,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,female,44,35-44,second,secondary,unemployed,201.89,1,limited,0,716,1,family_friends,1380.78,savings,business,1,1164.63,0.07,12,103.84,current,not_applicable,low_burden
Rwanda,2021,rural,female,57,55+,second,primary,employed_formal,116.73,7,none,1,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,61,55+,second,secondary,farmer,216.02,7,none,1,639,1,microfinance,7893.73,guarantor,business,1,6353.22,0.286,12,680.88,paid_off,not_applicable,low_burden
Mozambique,2020,rural,female,21,18-24,second,secondary,employed_informal,73.71,8,none,1,262,1,commercial_bank,7707.13,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2022,rural,female,33,25-34,second,primary,farmer,190.16,1,none,1,76,1,commercial_bank,1391.61,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2018,rural,female,31,25-34,lowest,secondary,farmer,26.4,5,none,0,13,1,family_friends,1420.13,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2019,rural,male,46,45-54,highest,secondary,unemployed,487.87,6,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,27,25-34,highest,none,unemployed,1463.59,5,limited,1,318,1,family_friends,5544.78,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2020,rural,male,67,55+,highest,primary,farmer,300.79,10,none,0,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,female,65,55+,lowest,primary,employed_informal,187.45,10,limited,0,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,female,35,25-34,fourth,secondary,self_employed,183.45,1,none,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,39,35-44,middle,secondary,employed_informal,65.93,7,good,0,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,40,35-44,lowest,primary,unemployed,31.58,2,good,1,737,1,commercial_bank,3613.6,none,business,1,3058.42,0.212,12,308.88,late_60_days,not_applicable,low_burden
South Africa,2021,rural,female,20,18-24,highest,primary,unemployed,720.6,1,none,1,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,64,55+,fourth,none,employed_informal,549.51,8,excellent,1,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,58,55+,lowest,none,farmer,148.88,10,none,1,27,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,male,35,25-34,highest,primary,employed_informal,2315.37,5,limited,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,46,45-54,lowest,none,farmer,110.19,7,good,0,720,1,informal_lender,2566.48,guarantor,business,1,2173.57,0.751,36,105.7,current,not_applicable,low_burden
Mali,2025,rural,male,37,35-44,second,none,self_employed,67.77,5,good,1,342,1,commercial_bank,2067.63,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2018,urban,male,29,25-34,lowest,secondary,self_employed,49.9,7,none,0,19,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,33,25-34,lowest,secondary,unemployed,104.56,6,none,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,female,23,18-24,highest,none,employed_informal,1795.85,9,none,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,60,55+,middle,secondary,farmer,97.18,3,none,0,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,female,52,45-54,second,none,farmer,300.1,9,none,1,0,1,commercial_bank,6312.87,guarantor,business,1,5746.64,0.201,48,143.84,current,not_applicable,low_burden
Zambia,2024,urban,female,66,55+,fourth,primary,employed_informal,128.26,6,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,male,18,18-24,highest,tertiary,self_employed,872.41,6,limited,1,406,1,family_friends,19136.33,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2019,rural,female,50,45-54,highest,secondary,employed_formal,617.48,5,none,0,206,1,informal_lender,6301.41,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2025,urban,male,47,45-54,highest,none,self_employed,858.67,5,none,0,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,50,45-54,highest,primary,unemployed,678.72,1,limited,0,822,1,sacco,5119.64,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ethiopia,2022,urban,male,69,55+,middle,secondary,employed_formal,164.14,4,none,1,593,1,microfinance,3250.97,none,consumption,1,2893.38,0.351,12,325.86,current,not_applicable,low_burden
Rwanda,2019,urban,female,38,35-44,second,primary,employed_informal,247.29,9,limited,1,143,1,informal_lender,6736.78,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2019,rural,male,25,18-24,highest,tertiary,self_employed,692.83,2,good,1,850,1,informal_lender,3079.95,none,housing,1,2669.36,0.773,6,788.64,paid_off,not_applicable,low_burden
Ethiopia,2024,urban,male,18,18-24,lowest,primary,employed_informal,172.96,8,limited,0,656,1,family_friends,3898.18,savings,business,1,3343.93,0.031,12,287.35,current,not_applicable,low_burden
Mozambique,2020,rural,female,43,35-44,lowest,none,employed_informal,183.39,8,limited,0,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,urban,female,27,25-34,second,secondary,self_employed,197.78,7,limited,0,791,1,family_friends,2365.74,equipment,agriculture,1,2019.34,0.024,18,114.9,current,not_applicable,low_burden
Mali,2020,rural,female,25,18-24,second,secondary,self_employed,68.39,9,limited,1,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,25,18-24,middle,primary,farmer,134.53,2,limited,0,30,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,male,32,25-34,highest,tertiary,self_employed,2180.03,1,good,0,241,1,family_friends,5259.71,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2025,urban,male,24,18-24,middle,tertiary,self_employed,895.68,9,good,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,female,43,35-44,middle,none,self_employed,372.22,2,none,1,0,1,family_friends,1663.48,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,urban,female,52,45-54,second,none,employed_informal,188.71,3,none,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,male,33,25-34,fourth,primary,self_employed,870.38,7,good,1,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,male,25,18-24,lowest,secondary,farmer,150.12,6,limited,1,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,male,47,45-54,lowest,secondary,unemployed,39.09,1,limited,0,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,22,18-24,middle,primary,employed_formal,204.22,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,56,55+,middle,tertiary,self_employed,137.55,9,none,1,189,1,digital_lender,2638.83,none,consumption,1,2565.87,0.482,36,105.63,current,not_applicable,low_burden
DRC,2018,urban,female,37,35-44,second,primary,self_employed,165.34,6,limited,0,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,male,39,35-44,second,secondary,employed_formal,357.56,10,good,1,549,1,sacco,10043.55,equipment,emergency,1,8960.47,0.312,24,489.87,late_60_days,not_applicable,low_burden
Nigeria,2022,rural,female,30,25-34,lowest,secondary,farmer,128.16,6,none,1,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,32,25-34,fourth,none,employed_informal,540.68,7,excellent,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,25,18-24,second,primary,unemployed,18.41,1,good,0,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,47,45-54,second,primary,self_employed,76.65,1,good,0,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,25,18-24,highest,tertiary,employed_informal,713.37,6,good,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,male,53,45-54,fourth,primary,farmer,422.92,8,none,0,220,1,family_friends,1710.25,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2022,rural,female,31,25-34,lowest,secondary,employed_informal,61.64,5,none,1,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,47,45-54,middle,primary,farmer,353.59,9,none,1,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,45,35-44,lowest,primary,farmer,41.46,7,none,1,0,1,microfinance,3101.59,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2018,urban,female,50,45-54,lowest,tertiary,self_employed,89.39,6,none,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,57,55+,fourth,primary,employed_informal,296.99,6,good,1,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,female,47,45-54,lowest,secondary,self_employed,36.82,3,good,0,404,1,informal_lender,1448.75,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2018,rural,male,62,55+,second,primary,self_employed,441.75,9,none,1,0,1,informal_lender,3022.31,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,urban,female,31,25-34,highest,none,farmer,709.67,1,limited,0,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,57,55+,fourth,none,self_employed,101.53,1,limited,0,274,1,employer,3916.69,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2020,rural,female,35,25-34,highest,primary,self_employed,2313.7,8,limited,1,774,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,50,45-54,highest,secondary,farmer,367.21,1,excellent,0,368,1,informal_lender,11665.67,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2020,rural,male,43,35-44,second,primary,farmer,227.75,6,none,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,female,65,55+,middle,primary,farmer,185.25,2,none,0,517,1,informal_lender,9939.14,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
South Africa,2020,rural,female,32,25-34,second,none,employed_informal,180.7,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,45,35-44,fourth,secondary,self_employed,475.62,2,none,1,405,1,informal_lender,6984.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2018,urban,female,26,25-34,second,secondary,self_employed,364.51,3,good,1,81,1,microfinance,5079.42,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2022,urban,female,50,45-54,lowest,secondary,farmer,77.38,6,none,0,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,19,18-24,lowest,tertiary,farmer,38.08,4,limited,0,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,urban,male,39,35-44,fourth,none,farmer,588.89,3,limited,1,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,urban,male,18,18-24,lowest,none,employed_informal,68.76,1,good,0,648,1,informal_lender,3454.89,guarantor,housing,1,3354.64,0.786,12,499.38,paid_off,not_applicable,low_burden
Niger,2021,rural,female,35,25-34,middle,secondary,farmer,51.83,1,none,0,215,1,microfinance,10803.1,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2021,rural,female,43,35-44,highest,primary,unemployed,435.84,1,good,0,203,1,sacco,4773.45,vehicle,business,1,4769.39,0.32,36,174.91,current,not_applicable,low_burden
Uganda,2019,urban,female,35,25-34,fourth,secondary,employed_informal,3664.53,3,good,0,425,1,digital_lender,26324.67,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Tanzania,2023,urban,male,38,35-44,second,secondary,employed_formal,50.57,5,good,0,402,1,informal_lender,1696.56,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2018,rural,male,25,18-24,lowest,none,employed_formal,71.31,9,excellent,0,662,1,family_friends,1683.49,none,housing,1,1513.66,0.073,18,90.24,current,not_applicable,low_burden
Mozambique,2023,urban,male,55,45-54,highest,tertiary,self_employed,835.72,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,female,59,55+,middle,none,self_employed,1079.02,8,good,1,167,1,commercial_bank,23619.86,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2024,rural,female,41,35-44,second,secondary,employed_informal,55.73,4,limited,1,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,female,20,18-24,highest,primary,self_employed,1063.4,5,good,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,21,18-24,lowest,secondary,farmer,97.38,8,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,53,45-54,second,none,farmer,159.62,10,limited,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,66,55+,lowest,tertiary,farmer,52.51,6,none,0,37,1,microfinance,2460.6,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2021,urban,male,62,55+,lowest,tertiary,unemployed,88.48,1,none,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,39,35-44,second,secondary,self_employed,145.72,9,good,0,122,1,informal_lender,4208.04,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2025,urban,female,43,35-44,fourth,secondary,farmer,395.32,6,excellent,1,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,26,25-34,second,secondary,self_employed,347.17,1,none,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,male,21,18-24,fourth,secondary,farmer,437.2,3,excellent,1,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,female,57,55+,fourth,secondary,unemployed,485.2,2,none,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,female,40,35-44,highest,secondary,farmer,1248.28,9,none,0,87,1,commercial_bank,12026.97,property,agriculture,1,11854.97,0.196,24,590.8,defaulted,not_applicable,low_burden
Malawi,2022,rural,female,43,35-44,lowest,tertiary,self_employed,117.95,9,good,0,799,1,family_friends,1979.28,savings,business,1,1652.54,0.071,12,147.46,current,not_applicable,low_burden
Uganda,2025,rural,female,35,25-34,fourth,secondary,employed_informal,821.64,2,excellent,0,366,1,sacco,5634.43,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2023,rural,male,34,25-34,lowest,primary,employed_informal,49.28,8,limited,1,513,1,informal_lender,1630.21,vehicle,agriculture,1,1405.17,0.845,18,144.01,current,not_applicable,low_burden
Mozambique,2025,urban,female,69,55+,fourth,tertiary,employed_informal,873.01,10,excellent,0,354,1,digital_lender,9165.04,guarantor,agriculture,1,8539.81,0.426,12,1014.47,current,not_applicable,low_burden
Uganda,2020,urban,female,60,55+,second,primary,employed_formal,73.04,10,good,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,urban,male,53,45-54,fourth,none,self_employed,101.61,8,good,0,757,1,employer,3971.81,savings,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
South Africa,2020,urban,female,38,35-44,lowest,tertiary,employed_formal,322.73,10,good,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,55,45-54,middle,primary,unemployed,236.27,2,none,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,35,25-34,lowest,none,self_employed,71.88,7,none,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,male,44,35-44,lowest,secondary,farmer,25.55,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,female,25,18-24,middle,secondary,self_employed,122.53,10,none,0,124,1,informal_lender,2394.44,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2021,rural,male,54,45-54,second,none,employed_informal,73.65,4,none,1,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,21,18-24,fourth,primary,employed_informal,771.51,8,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,55,45-54,fourth,none,farmer,229.69,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,male,49,45-54,middle,primary,employed_informal,158.11,5,limited,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,female,21,18-24,fourth,primary,farmer,292.12,10,none,0,568,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,44,35-44,fourth,none,employed_informal,745.73,3,none,0,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,male,29,25-34,highest,tertiary,self_employed,1219.61,8,none,1,94,1,family_friends,28972.75,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2021,rural,male,42,35-44,lowest,secondary,employed_formal,42.92,9,none,0,10,1,informal_lender,2233.13,savings,agriculture,1,1892.81,0.771,6,558.6,current,not_applicable,low_burden
Kenya,2023,rural,female,18,18-24,middle,secondary,self_employed,322.85,2,limited,1,320,1,digital_lender,5368.98,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2022,rural,male,55,45-54,fourth,tertiary,employed_informal,277.73,2,good,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,44,35-44,lowest,tertiary,farmer,70.95,2,limited,1,639,1,commercial_bank,6192.63,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2022,urban,female,36,35-44,second,secondary,employed_formal,174.78,8,limited,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,63,55+,second,primary,employed_informal,190.3,4,excellent,1,365,1,microfinance,2419.17,property,education,1,2221.65,0.335,18,164.77,current,not_applicable,low_burden
DRC,2018,urban,female,51,45-54,middle,secondary,employed_formal,159.78,10,limited,1,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,49,45-54,second,secondary,unemployed,172.43,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,female,25,18-24,middle,primary,self_employed,1149.17,2,none,0,56,1,sacco,6131.22,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2020,urban,female,44,35-44,middle,primary,self_employed,339.17,6,limited,0,669,1,family_friends,6110.04,vehicle,business,1,5986.56,0.015,12,506.17,defaulted,not_applicable,low_burden
Mali,2022,urban,female,54,45-54,middle,primary,self_employed,305.92,8,limited,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,female,66,55+,second,primary,farmer,114.37,7,good,1,668,1,sacco,1378.1,none,agriculture,1,1370.82,0.334,18,101.62,current,not_applicable,low_burden
Kenya,2021,urban,female,49,45-54,fourth,secondary,employed_informal,687.5,1,none,0,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,26,25-34,middle,primary,farmer,96.64,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,male,53,45-54,lowest,primary,farmer,295.62,6,limited,0,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,21,18-24,lowest,none,employed_formal,119.72,10,good,0,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,34,25-34,second,tertiary,employed_informal,77.26,1,limited,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,urban,male,65,55+,highest,primary,self_employed,1012.73,2,none,0,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,59,55+,second,primary,employed_formal,82.12,5,none,1,716,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,female,64,55+,lowest,secondary,employed_informal,110.81,4,none,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,36,35-44,lowest,secondary,self_employed,62.88,9,none,1,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,male,53,45-54,lowest,secondary,employed_informal,105.46,10,good,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,54,45-54,second,secondary,farmer,59.06,4,none,1,224,1,sacco,2231.1,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2020,rural,male,30,25-34,fourth,primary,self_employed,235.39,8,none,0,0,1,sacco,15234.6,none,consumption,1,13817.41,0.366,18,1048.28,current,not_applicable,low_burden
DRC,2025,rural,female,67,55+,second,tertiary,self_employed,270.58,1,none,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,male,68,55+,fourth,secondary,self_employed,338.55,6,limited,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,23,18-24,lowest,secondary,self_employed,9.47,7,none,1,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,female,57,55+,second,none,self_employed,109.17,9,none,1,476,1,commercial_bank,9826.1,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,rural,male,41,35-44,fourth,secondary,unemployed,1783.55,5,good,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,male,53,45-54,fourth,primary,self_employed,597.37,1,none,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,female,46,45-54,highest,primary,self_employed,441.16,5,excellent,1,639,1,digital_lender,9794.83,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2018,urban,female,29,25-34,second,secondary,farmer,174.67,1,none,1,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,22,18-24,middle,secondary,self_employed,321.89,1,limited,0,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,female,44,35-44,fourth,primary,employed_informal,143.87,2,limited,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,female,61,55+,lowest,tertiary,employed_informal,33.08,10,none,0,39,1,informal_lender,4170.54,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2020,urban,male,60,55+,fourth,primary,self_employed,650.12,3,limited,0,142,1,informal_lender,8974.26,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2023,urban,female,32,25-34,second,secondary,farmer,552.5,8,none,0,126,1,employer,4828.09,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2021,rural,female,62,55+,lowest,none,farmer,44.29,8,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,male,36,35-44,fourth,primary,farmer,987.55,9,good,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,47,45-54,fourth,tertiary,employed_formal,194.47,9,excellent,1,786,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,34,25-34,highest,none,farmer,62.08,10,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,45,35-44,highest,tertiary,self_employed,1667.34,5,limited,1,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,45,35-44,second,primary,unemployed,264.17,4,none,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,54,45-54,middle,secondary,farmer,499.52,8,none,1,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,42,35-44,highest,none,self_employed,1081.7,6,none,1,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,45,35-44,lowest,secondary,farmer,68.89,4,limited,1,535,1,commercial_bank,7328.57,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2019,rural,female,51,45-54,middle,tertiary,self_employed,166.86,2,limited,1,141,1,sacco,2196.37,none,business,1,2080.72,0.316,12,228.16,late_30_days,not_applicable,low_burden
Malawi,2020,rural,male,39,35-44,highest,secondary,employed_informal,568.97,1,limited,1,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,urban,male,45,35-44,lowest,primary,self_employed,65.11,5,excellent,0,486,1,microfinance,4780.0,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Rwanda,2022,rural,female,22,18-24,highest,secondary,employed_informal,501.72,4,good,1,850,1,digital_lender,4434.23,property,agriculture,1,4082.36,0.421,12,483.58,defaulted,not_applicable,low_burden
South Africa,2025,rural,male,63,55+,middle,secondary,employed_formal,56.29,6,none,0,723,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,24,18-24,highest,none,farmer,283.81,8,none,1,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,63,55+,middle,secondary,self_employed,266.11,2,limited,1,449,1,sacco,3569.9,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2021,urban,male,57,55+,fourth,secondary,farmer,102.48,5,none,1,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,67,55+,fourth,secondary,self_employed,120.64,5,none,0,509,1,family_friends,4713.75,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2022,urban,male,19,18-24,lowest,primary,farmer,71.12,10,none,0,565,1,family_friends,9379.74,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2020,rural,female,29,25-34,middle,primary,farmer,182.82,2,none,0,475,1,microfinance,9484.19,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2025,urban,female,20,18-24,highest,tertiary,farmer,795.5,9,limited,1,850,1,commercial_bank,8865.78,savings,asset_purchase,1,7837.19,0.229,24,401.49,late_30_days,not_applicable,low_burden
South Africa,2020,rural,male,39,35-44,highest,secondary,self_employed,125.51,7,limited,0,425,1,sacco,3599.17,none,business,1,3135.96,0.308,12,341.9,current,not_applicable,low_burden
Mali,2022,rural,female,65,55+,highest,secondary,unemployed,1968.43,4,good,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,57,55+,middle,tertiary,self_employed,73.18,8,excellent,0,669,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,female,54,45-54,middle,primary,farmer,168.28,8,good,0,738,1,informal_lender,6223.61,property,consumption,1,5743.34,0.761,6,1686.04,current,not_applicable,low_burden
South Africa,2025,urban,male,62,55+,middle,primary,self_employed,123.36,5,none,1,691,1,commercial_bank,7808.5,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,urban,female,18,18-24,middle,secondary,employed_informal,740.73,6,limited,0,68,1,informal_lender,2445.17,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2020,rural,female,58,55+,middle,secondary,self_employed,268.62,4,none,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,male,34,25-34,lowest,tertiary,self_employed,64.52,10,excellent,0,850,1,informal_lender,2468.52,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2023,rural,female,53,45-54,lowest,secondary,employed_informal,41.17,3,limited,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,male,57,55+,middle,primary,self_employed,338.33,6,none,0,133,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,female,53,45-54,second,primary,employed_informal,75.62,3,limited,0,492,1,informal_lender,1508.23,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2023,urban,male,39,35-44,second,none,unemployed,236.24,1,limited,1,60,1,microfinance,3908.95,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2022,rural,female,49,45-54,lowest,tertiary,self_employed,41.03,10,excellent,0,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,42,35-44,fourth,none,employed_informal,474.41,2,none,1,401,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,50,45-54,highest,secondary,farmer,932.92,9,none,1,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,female,41,35-44,middle,primary,self_employed,132.0,9,excellent,1,342,1,family_friends,1662.37,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2018,rural,female,38,35-44,highest,none,farmer,157.81,4,limited,0,772,1,employer,1284.42,savings,agriculture,1,1116.32,0.042,12,96.9,current,not_applicable,low_burden
Nigeria,2018,rural,female,28,25-34,highest,primary,self_employed,558.66,4,none,0,67,1,digital_lender,2846.91,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2021,urban,female,38,35-44,lowest,secondary,employed_formal,32.58,4,limited,0,54,1,family_friends,1462.75,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2022,rural,male,55,45-54,lowest,none,employed_informal,63.65,8,limited,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,63,55+,lowest,tertiary,farmer,50.34,7,none,1,137,1,digital_lender,3435.41,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2019,urban,male,23,18-24,lowest,tertiary,farmer,59.54,10,none,1,0,1,commercial_bank,1583.86,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2023,rural,male,27,25-34,middle,none,farmer,80.76,3,none,0,678,1,informal_lender,1731.39,property,agriculture,1,1644.47,0.759,6,482.04,late_30_days,not_applicable,low_burden
Tanzania,2024,rural,female,44,35-44,second,tertiary,employed_formal,278.4,7,none,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,54,45-54,highest,primary,farmer,483.35,7,none,0,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,urban,male,26,25-34,middle,none,self_employed,1549.46,4,none,1,724,1,microfinance,11974.82,property,agriculture,1,9882.03,0.278,12,1052.7,current,not_applicable,low_burden
Malawi,2018,rural,male,34,25-34,second,primary,farmer,124.31,4,limited,0,15,1,family_friends,4101.03,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2023,rural,female,20,18-24,highest,secondary,employed_informal,849.31,2,limited,0,728,1,family_friends,20623.0,none,housing,1,19462.3,0.005,24,814.78,late_30_days,not_applicable,low_burden
Senegal,2024,urban,male,20,18-24,highest,secondary,farmer,1018.17,10,none,0,667,1,informal_lender,13990.29,property,housing,1,12622.22,0.795,24,944.26,defaulted,not_applicable,low_burden
Kenya,2024,urban,male,25,18-24,fourth,primary,unemployed,624.79,1,none,0,144,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,male,55,45-54,fourth,secondary,employed_informal,1057.01,8,none,1,15,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,male,63,55+,highest,secondary,farmer,2145.82,7,none,0,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,male,43,35-44,middle,secondary,self_employed,58.07,6,excellent,0,850,1,informal_lender,1381.02,none,debt_consolidation,1,1127.4,0.796,12,168.72,current,not_applicable,low_burden
Nigeria,2022,rural,female,27,25-34,highest,secondary,employed_informal,1208.54,4,none,1,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,urban,male,65,55+,lowest,secondary,employed_informal,127.27,4,good,1,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,32,25-34,middle,secondary,farmer,305.96,5,limited,0,528,1,family_friends,3304.2,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2022,rural,female,26,25-34,middle,none,employed_informal,663.22,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,25,18-24,lowest,secondary,employed_formal,306.51,9,good,0,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,36,35-44,lowest,primary,unemployed,113.47,1,good,0,628,1,informal_lender,5211.48,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2024,urban,female,56,55+,lowest,secondary,self_employed,61.43,3,limited,0,387,1,informal_lender,1534.98,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2018,urban,female,38,35-44,second,secondary,farmer,78.54,7,none,0,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,41,35-44,lowest,primary,self_employed,102.15,1,limited,1,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,35,25-34,second,none,self_employed,468.71,1,none,1,323,1,sacco,4821.56,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2022,rural,female,67,55+,fourth,secondary,farmer,79.7,3,none,1,739,1,informal_lender,1037.56,none,consumption,1,1004.27,0.823,12,152.59,defaulted,not_applicable,low_burden
South Africa,2023,urban,female,53,45-54,middle,secondary,employed_formal,638.25,10,good,0,798,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,male,52,45-54,fourth,secondary,employed_informal,275.86,9,limited,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,female,40,35-44,lowest,secondary,self_employed,16.98,1,none,0,0,1,informal_lender,725.12,equipment,asset_purchase,1,659.83,0.804,48,24.8,late_30_days,not_applicable,low_burden
Mozambique,2024,rural,female,45,35-44,fourth,primary,unemployed,458.01,1,good,0,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,male,64,55+,lowest,primary,self_employed,169.85,1,none,0,94,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,female,52,45-54,second,secondary,unemployed,94.86,1,good,0,296,1,microfinance,6603.67,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2021,rural,male,60,55+,middle,primary,farmer,95.41,10,good,1,235,1,commercial_bank,3437.03,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2021,urban,male,20,18-24,highest,secondary,self_employed,3283.88,5,none,0,460,1,informal_lender,8743.25,equipment,agriculture,1,8279.61,0.836,24,633.4,current,not_applicable,low_burden
Zambia,2018,urban,female,62,55+,highest,primary,self_employed,620.34,8,none,0,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,67,55+,fourth,none,employed_informal,742.44,7,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,urban,male,52,45-54,fourth,secondary,self_employed,170.58,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,male,67,55+,middle,secondary,employed_formal,267.61,10,excellent,1,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,female,47,45-54,middle,secondary,self_employed,262.32,3,none,0,378,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,male,32,25-34,lowest,primary,employed_informal,165.62,5,none,0,19,1,family_friends,2886.5,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Rwanda,2020,rural,female,49,45-54,second,secondary,unemployed,344.95,1,limited,1,428,1,microfinance,14505.86,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2019,rural,female,50,45-54,highest,primary,self_employed,375.69,6,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,urban,female,25,18-24,highest,secondary,self_employed,1426.33,3,none,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,28,25-34,second,secondary,self_employed,46.61,8,limited,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,female,33,25-34,lowest,primary,employed_informal,34.25,9,none,0,158,1,digital_lender,1401.84,savings,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2025,urban,male,46,45-54,lowest,secondary,self_employed,59.95,9,none,1,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,25,18-24,middle,secondary,farmer,266.36,9,good,1,540,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,female,58,55+,lowest,secondary,self_employed,290.65,7,limited,0,699,1,family_friends,6430.78,property,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2018,rural,male,23,18-24,middle,secondary,self_employed,734.79,8,limited,1,618,1,informal_lender,11823.68,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2019,urban,male,66,55+,lowest,none,farmer,70.1,7,limited,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,female,53,45-54,lowest,tertiary,employed_formal,74.6,10,limited,1,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,male,35,25-34,second,primary,farmer,350.17,1,none,0,0,1,informal_lender,12408.04,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2019,rural,female,37,35-44,fourth,primary,employed_formal,563.45,5,excellent,0,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,54,45-54,second,secondary,unemployed,107.74,1,none,0,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,22,18-24,middle,primary,unemployed,210.94,3,good,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,55,45-54,middle,tertiary,farmer,185.15,9,good,1,785,1,digital_lender,2427.46,savings,consumption,1,2002.03,0.487,6,496.27,late_30_days,not_applicable,low_burden
Malawi,2022,rural,female,46,45-54,fourth,primary,employed_formal,284.99,4,limited,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,29,25-34,second,primary,self_employed,95.52,2,limited,1,550,1,microfinance,1343.24,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2019,rural,male,64,55+,fourth,none,farmer,303.25,9,none,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,50,45-54,second,none,self_employed,91.31,4,none,0,195,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,female,26,25-34,middle,none,self_employed,90.34,1,limited,0,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,female,52,45-54,second,none,self_employed,221.88,7,none,0,534,1,informal_lender,2241.84,guarantor,education,1,1863.04,0.767,18,182.9,late_60_days,not_applicable,low_burden
DRC,2023,urban,female,39,35-44,highest,primary,employed_formal,1421.83,10,none,1,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,57,55+,highest,primary,self_employed,2469.9,10,limited,0,628,1,sacco,17644.19,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2018,rural,female,43,35-44,fourth,primary,employed_formal,427.08,10,none,0,711,1,informal_lender,18647.71,none,agriculture,1,18195.07,0.754,36,886.57,late_60_days,not_applicable,low_burden
South Africa,2023,urban,male,69,55+,highest,primary,self_employed,739.85,1,none,0,300,1,informal_lender,11127.8,guarantor,business,1,9941.19,0.821,36,502.76,current,not_applicable,low_burden
Tanzania,2022,urban,male,66,55+,lowest,none,self_employed,57.96,2,limited,1,760,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,20,18-24,middle,none,employed_informal,206.74,9,none,1,0,1,microfinance,2845.32,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2025,rural,female,39,35-44,lowest,primary,employed_formal,88.71,10,none,0,575,1,family_friends,6160.54,guarantor,business,1,5293.0,0.001,12,441.52,late_30_days,not_applicable,low_burden
Mali,2018,urban,female,28,25-34,second,primary,unemployed,152.48,1,none,1,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,41,35-44,middle,none,self_employed,106.61,4,limited,0,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,25,18-24,fourth,primary,self_employed,293.25,9,excellent,0,640,1,sacco,3666.22,none,consumption,1,3313.44,0.309,18,241.03,current,not_applicable,low_burden
Rwanda,2025,rural,female,45,35-44,fourth,tertiary,farmer,333.93,10,none,0,307,1,commercial_bank,3106.2,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2025,rural,male,26,25-34,highest,primary,self_employed,1114.9,9,limited,1,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,50,45-54,middle,none,self_employed,70.69,5,none,0,106,1,family_friends,2263.49,guarantor,emergency,1,1978.98,0.005,18,110.54,current,not_applicable,low_burden
Nigeria,2024,rural,female,41,35-44,highest,secondary,self_employed,799.41,8,limited,0,850,1,digital_lender,5115.26,none,housing,1,5088.48,0.446,24,306.56,current,not_applicable,low_burden
DRC,2019,rural,female,69,55+,highest,primary,employed_informal,775.18,1,none,1,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,male,63,55+,fourth,none,self_employed,358.6,10,good,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,rural,male,49,45-54,lowest,secondary,employed_informal,39.94,3,limited,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,urban,female,41,35-44,middle,secondary,unemployed,178.2,6,limited,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,male,55,45-54,fourth,tertiary,self_employed,542.88,1,none,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,male,52,45-54,highest,tertiary,employed_informal,1461.31,10,good,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,25,18-24,lowest,secondary,self_employed,139.32,6,none,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,37,35-44,second,secondary,employed_formal,82.4,9,limited,0,581,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,69,55+,second,primary,self_employed,106.42,7,good,1,595,1,commercial_bank,2130.65,vehicle,asset_purchase,1,1788.47,0.175,36,58.37,paid_off,not_applicable,low_burden
Ethiopia,2022,rural,male,34,25-34,second,tertiary,farmer,26.12,5,limited,0,69,1,informal_lender,3896.49,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2022,urban,male,18,18-24,fourth,secondary,farmer,530.99,10,good,0,413,1,sacco,4517.86,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2021,urban,female,61,55+,lowest,primary,farmer,136.55,2,limited,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,female,66,55+,second,none,self_employed,543.48,7,good,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,52,45-54,fourth,secondary,self_employed,94.42,3,none,0,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,51,45-54,second,secondary,employed_formal,56.64,4,none,0,82,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,36,35-44,lowest,secondary,self_employed,66.63,7,limited,1,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,female,36,35-44,middle,primary,self_employed,96.11,7,limited,0,76,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,65,55+,middle,secondary,employed_formal,225.62,5,limited,0,95,1,family_friends,1688.42,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2024,rural,male,62,55+,highest,none,employed_informal,1027.02,8,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,43,35-44,fourth,secondary,employed_formal,134.48,10,limited,1,350,1,commercial_bank,5062.72,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2021,urban,male,34,25-34,highest,primary,employed_informal,1086.95,7,none,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,male,27,25-34,lowest,primary,employed_formal,25.78,6,none,1,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,18,18-24,fourth,primary,self_employed,863.6,1,good,0,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,female,43,35-44,middle,primary,self_employed,344.8,1,none,0,16,1,employer,2922.44,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2024,urban,male,46,45-54,fourth,primary,self_employed,314.28,7,none,1,669,1,commercial_bank,2871.39,property,agriculture,1,2601.52,0.215,12,263.31,current,not_applicable,low_burden
Ethiopia,2020,urban,female,53,45-54,second,secondary,employed_informal,76.07,3,limited,1,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,59,55+,lowest,primary,self_employed,118.0,4,none,1,378,1,microfinance,5151.36,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2020,rural,female,37,35-44,lowest,secondary,farmer,155.85,1,limited,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,male,26,25-34,fourth,secondary,employed_informal,286.65,5,limited,0,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,female,61,55+,fourth,none,employed_informal,361.61,2,limited,0,834,1,informal_lender,3417.56,none,business,1,2961.26,0.815,6,895.56,late_30_days,not_applicable,low_burden
Nigeria,2018,rural,male,57,55+,lowest,tertiary,self_employed,35.58,5,good,0,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,male,45,35-44,middle,secondary,employed_informal,886.39,6,good,0,687,1,commercial_bank,5757.25,vehicle,agriculture,1,4795.92,0.17,24,233.85,current,not_applicable,low_burden
Ghana,2024,urban,male,20,18-24,fourth,secondary,employed_informal,129.32,10,limited,1,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,42,35-44,middle,secondary,self_employed,491.88,3,excellent,1,160,1,commercial_bank,6124.3,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2022,urban,female,50,45-54,second,secondary,self_employed,138.97,4,none,0,369,1,sacco,3039.3,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2025,urban,male,62,55+,highest,tertiary,farmer,942.17,9,none,0,405,1,microfinance,5983.59,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2024,urban,male,44,35-44,middle,none,farmer,235.07,10,limited,0,418,1,family_friends,1090.61,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2018,urban,female,42,35-44,fourth,none,self_employed,581.75,5,limited,0,18,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,37,35-44,middle,secondary,self_employed,120.0,4,none,0,447,1,family_friends,3069.26,guarantor,agriculture,1,2873.75,0.051,36,83.89,defaulted,not_applicable,low_burden
Zambia,2018,urban,male,39,35-44,fourth,primary,unemployed,1031.93,4,none,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,18,18-24,lowest,secondary,self_employed,193.95,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,23,18-24,highest,primary,unemployed,333.6,4,none,0,287,1,informal_lender,13465.02,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2023,rural,female,57,55+,second,primary,farmer,193.55,7,none,1,14,1,microfinance,6006.96,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2018,urban,male,36,35-44,fourth,tertiary,employed_informal,383.28,2,good,0,848,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,male,62,55+,highest,none,employed_informal,1027.07,3,good,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,female,38,35-44,middle,primary,employed_informal,581.68,1,limited,0,419,1,informal_lender,5096.78,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2021,rural,male,69,55+,middle,secondary,farmer,124.77,4,limited,1,74,1,commercial_bank,4584.82,guarantor,education,1,3793.46,0.185,24,187.29,current,not_applicable,low_burden
Rwanda,2025,rural,female,27,25-34,lowest,secondary,employed_informal,115.23,9,none,1,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,female,27,25-34,second,secondary,farmer,249.21,3,limited,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,male,48,45-54,middle,primary,self_employed,260.47,8,limited,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,59,55+,lowest,tertiary,farmer,116.22,5,good,1,692,1,microfinance,4898.34,none,agriculture,1,4187.62,0.293,6,902.16,current,not_applicable,low_burden
Zambia,2019,rural,male,25,18-24,lowest,secondary,farmer,71.68,2,none,1,237,1,family_friends,1675.38,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2019,rural,male,44,35-44,highest,secondary,employed_formal,295.15,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,female,29,25-34,second,none,employed_informal,118.35,7,good,0,275,1,sacco,7199.18,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,rural,female,56,55+,second,primary,self_employed,58.36,8,none,0,192,1,microfinance,2823.99,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2021,urban,male,47,45-54,second,secondary,farmer,149.11,4,good,1,235,1,commercial_bank,3077.15,savings,agriculture,1,2761.65,0.208,36,92.63,current,not_applicable,low_burden
Nigeria,2024,rural,male,52,45-54,middle,secondary,farmer,512.78,10,none,0,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,31,25-34,middle,none,self_employed,300.38,1,good,0,756,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,33,25-34,fourth,secondary,farmer,120.97,6,limited,1,401,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,urban,female,51,45-54,middle,secondary,self_employed,246.4,3,none,1,651,1,sacco,11769.59,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2020,rural,male,36,35-44,lowest,primary,employed_formal,70.94,10,none,1,657,1,informal_lender,799.47,none,emergency,1,707.34,0.797,6,211.81,current,not_applicable,low_burden
Niger,2024,urban,female,53,45-54,middle,secondary,unemployed,502.29,4,limited,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,26,25-34,lowest,primary,self_employed,38.2,1,good,0,756,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,33,25-34,fourth,tertiary,farmer,206.88,4,good,1,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,rural,female,23,18-24,lowest,secondary,self_employed,57.91,8,none,0,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,female,22,18-24,lowest,secondary,self_employed,133.84,6,good,0,324,1,digital_lender,1755.93,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,urban,male,31,25-34,second,tertiary,employed_informal,213.3,5,limited,0,56,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,43,35-44,lowest,secondary,self_employed,48.38,2,none,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,female,25,18-24,middle,primary,employed_informal,1018.97,6,none,0,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,male,22,18-24,second,secondary,farmer,168.87,1,good,1,819,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,63,55+,highest,tertiary,employed_informal,760.45,4,limited,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,44,35-44,lowest,none,employed_informal,56.54,3,none,0,17,1,digital_lender,3716.58,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2022,urban,female,55,45-54,middle,secondary,self_employed,647.34,7,limited,1,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,urban,female,55,45-54,fourth,none,self_employed,734.07,5,good,1,328,1,commercial_bank,10499.12,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2023,urban,female,23,18-24,lowest,secondary,self_employed,112.01,5,none,1,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,female,50,45-54,middle,secondary,farmer,89.31,9,none,1,491,1,informal_lender,8135.56,vehicle,education,1,7990.02,0.814,48,301.92,current,not_applicable,low_burden
Niger,2020,rural,male,62,55+,highest,tertiary,farmer,1428.15,4,none,1,770,1,microfinance,2361.27,guarantor,business,1,2196.44,0.273,24,116.52,late_30_days,not_applicable,low_burden
Nigeria,2019,urban,female,41,35-44,fourth,secondary,self_employed,835.6,8,none,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,rural,female,62,55+,highest,none,self_employed,1351.23,9,none,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,female,67,55+,fourth,secondary,employed_informal,338.4,2,good,0,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,male,46,45-54,second,tertiary,self_employed,115.11,8,none,1,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,male,23,18-24,highest,primary,unemployed,872.05,1,good,0,498,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,female,50,45-54,lowest,none,self_employed,443.02,7,excellent,1,487,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,male,63,55+,middle,secondary,unemployed,136.81,1,none,0,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,48,45-54,fourth,secondary,employed_informal,143.73,3,none,0,83,1,digital_lender,6122.83,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2023,rural,female,59,55+,highest,none,farmer,511.34,9,none,0,837,1,microfinance,2872.66,savings,business,1,2338.01,0.281,6,499.2,defaulted,not_applicable,low_burden
South Africa,2018,rural,female,45,35-44,highest,primary,farmer,457.2,2,limited,0,764,1,microfinance,7456.74,property,business,1,6178.97,0.329,6,1368.6,current,not_applicable,low_burden
Mali,2018,urban,male,39,35-44,lowest,primary,farmer,217.07,6,limited,1,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,67,55+,fourth,secondary,farmer,127.63,8,limited,1,260,1,family_friends,3355.54,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
South Africa,2024,rural,male,25,18-24,lowest,primary,employed_formal,40.67,10,good,1,558,1,microfinance,3701.27,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Uganda,2023,urban,female,41,35-44,fourth,primary,farmer,562.1,3,good,0,520,1,microfinance,5468.55,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2024,rural,female,26,25-34,fourth,secondary,self_employed,801.21,4,limited,0,661,1,family_friends,13308.6,guarantor,asset_purchase,1,12207.24,0.074,12,1092.98,defaulted,not_applicable,low_burden
Niger,2018,urban,male,52,45-54,lowest,primary,self_employed,148.04,6,good,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,male,65,55+,fourth,secondary,employed_formal,1024.16,9,excellent,1,636,1,family_friends,4869.76,none,business,1,4115.42,0.032,12,353.95,current,not_applicable,low_burden
Kenya,2020,rural,male,69,55+,second,primary,employed_informal,154.53,2,limited,1,829,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,30,25-34,middle,primary,unemployed,173.43,2,none,0,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,male,55,45-54,highest,secondary,employed_informal,1208.59,1,good,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,63,55+,middle,secondary,self_employed,76.81,7,good,1,225,1,commercial_bank,2717.42,savings,business,1,2280.3,0.225,6,465.4,paid_off,not_applicable,low_burden
Nigeria,2022,urban,male,61,55+,middle,tertiary,employed_informal,90.14,8,limited,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,male,44,35-44,lowest,primary,self_employed,177.99,5,limited,1,248,1,commercial_bank,4470.26,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2023,urban,male,27,25-34,lowest,none,farmer,104.14,3,none,0,70,1,employer,8802.03,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2019,urban,male,42,35-44,lowest,primary,unemployed,176.46,1,limited,0,384,1,commercial_bank,6541.26,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2021,urban,male,58,55+,second,secondary,self_employed,99.65,7,good,0,302,1,digital_lender,3575.57,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2022,rural,male,50,45-54,second,primary,employed_informal,298.17,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,38,35-44,middle,tertiary,employed_formal,477.02,10,none,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,29,25-34,fourth,secondary,employed_informal,481.32,10,none,0,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,rural,female,51,45-54,lowest,primary,self_employed,69.65,5,none,0,540,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,40,35-44,middle,primary,unemployed,380.38,1,none,0,704,1,informal_lender,7910.99,none,business,1,7891.31,0.835,36,402.22,current,not_applicable,low_burden
Niger,2025,rural,female,42,35-44,highest,none,employed_formal,364.53,10,good,0,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,66,55+,lowest,secondary,self_employed,46.01,8,none,0,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,18,18-24,middle,secondary,farmer,252.17,2,good,0,553,1,family_friends,8777.31,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2022,urban,male,30,25-34,lowest,tertiary,self_employed,66.73,10,limited,0,58,1,digital_lender,3379.79,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Zambia,2025,urban,male,65,55+,middle,secondary,farmer,106.67,3,limited,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,male,65,55+,fourth,none,self_employed,405.35,6,limited,0,832,1,digital_lender,2987.95,guarantor,asset_purchase,1,2814.34,0.452,6,681.28,defaulted,not_applicable,low_burden
Ghana,2021,rural,female,33,25-34,lowest,primary,employed_informal,108.15,2,good,0,84,1,family_friends,4763.47,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2019,urban,male,69,55+,second,none,self_employed,382.33,5,none,1,180,1,informal_lender,5309.12,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2022,rural,female,29,25-34,highest,tertiary,self_employed,963.85,7,none,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,20,18-24,lowest,secondary,farmer,106.82,2,limited,0,455,1,microfinance,2630.67,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2025,urban,female,33,25-34,fourth,secondary,employed_informal,981.98,3,none,0,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,female,45,35-44,middle,secondary,self_employed,211.47,8,none,1,0,1,commercial_bank,2662.4,none,emergency,1,2290.98,0.194,48,56.99,current,not_applicable,low_burden
Mali,2020,urban,female,18,18-24,lowest,none,unemployed,20.39,6,good,0,189,1,family_friends,2410.02,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,urban,female,26,25-34,fourth,secondary,self_employed,1107.84,10,limited,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,female,59,55+,middle,secondary,employed_informal,107.02,8,none,1,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,50,45-54,lowest,primary,unemployed,40.72,6,limited,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,male,49,45-54,highest,primary,employed_informal,306.72,2,none,0,83,1,digital_lender,6724.3,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,urban,male,69,55+,middle,secondary,farmer,1698.54,3,none,1,671,1,digital_lender,5522.1,savings,housing,1,4448.4,0.459,12,540.97,late_30_days,not_applicable,low_burden
Niger,2025,urban,male,29,25-34,fourth,tertiary,employed_formal,669.61,8,none,0,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,female,64,55+,lowest,none,farmer,29.05,10,none,1,40,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,male,36,35-44,lowest,tertiary,employed_informal,55.7,8,none,1,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,66,55+,fourth,tertiary,self_employed,491.67,4,limited,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,female,58,55+,fourth,tertiary,unemployed,482.03,1,none,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,29,25-34,second,none,self_employed,147.5,7,none,0,602,1,microfinance,1902.97,none,housing,1,1824.99,0.301,18,131.86,current,not_applicable,low_burden
Niger,2018,rural,female,28,25-34,fourth,primary,employed_informal,172.14,4,none,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,urban,male,46,45-54,middle,secondary,employed_formal,372.53,6,none,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,44,35-44,second,primary,employed_formal,117.98,6,limited,0,591,1,family_friends,10521.26,none,education,1,9631.66,0.006,18,538.44,late_30_days,not_applicable,low_burden
Mozambique,2022,rural,female,30,25-34,fourth,none,employed_informal,686.19,3,none,0,117,1,digital_lender,11430.38,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2020,urban,male,31,25-34,middle,secondary,self_employed,310.36,4,limited,0,773,1,digital_lender,5234.46,property,consumption,1,4513.5,0.48,12,556.84,paid_off,not_applicable,low_burden
Mali,2021,urban,female,64,55+,middle,none,self_employed,175.35,7,limited,1,507,1,commercial_bank,5695.0,property,debt_consolidation,1,5156.62,0.176,12,505.37,late_30_days,not_applicable,low_burden
Rwanda,2021,rural,male,57,55+,fourth,primary,unemployed,534.1,1,none,1,680,1,commercial_bank,4660.84,property,consumption,1,4564.36,0.214,24,230.92,current,not_applicable,low_burden
Tanzania,2020,urban,female,27,25-34,middle,tertiary,farmer,390.17,5,limited,0,216,1,informal_lender,4909.02,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2023,urban,female,55,45-54,highest,primary,unemployed,710.46,6,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,urban,male,26,25-34,fourth,tertiary,self_employed,820.06,10,limited,1,243,1,sacco,7418.48,equipment,education,1,6028.92,0.307,6,1313.76,current,not_applicable,low_burden
Zambia,2024,rural,female,41,35-44,second,primary,self_employed,188.42,9,none,0,482,1,family_friends,7264.73,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2020,rural,female,18,18-24,second,primary,self_employed,281.35,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,female,51,45-54,highest,none,self_employed,1091.62,2,limited,0,296,1,informal_lender,3516.23,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2020,urban,female,27,25-34,highest,primary,employed_informal,852.83,9,excellent,1,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,30,25-34,lowest,primary,farmer,27.52,5,none,0,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,27,25-34,second,secondary,farmer,138.24,5,limited,1,110,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,female,27,25-34,second,tertiary,employed_informal,229.89,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,22,18-24,highest,none,self_employed,688.25,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,male,46,45-54,highest,none,employed_informal,80.7,8,none,1,208,1,microfinance,1577.6,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2022,rural,male,63,55+,fourth,secondary,self_employed,530.33,3,limited,1,639,1,informal_lender,2951.05,property,business,1,2792.87,0.751,12,407.63,current,not_applicable,low_burden
Mali,2022,urban,male,33,25-34,second,primary,self_employed,95.57,3,limited,0,147,1,commercial_bank,5190.55,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2019,rural,male,58,55+,highest,primary,unemployed,1073.12,4,limited,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,male,46,45-54,lowest,primary,self_employed,295.54,8,limited,1,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,rural,male,31,25-34,second,primary,self_employed,101.63,9,limited,0,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,21,18-24,second,secondary,farmer,164.89,8,limited,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,58,55+,middle,none,unemployed,204.64,1,limited,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,male,19,18-24,middle,secondary,farmer,288.94,5,none,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,39,35-44,lowest,primary,self_employed,64.76,5,good,1,647,1,digital_lender,2511.11,guarantor,business,1,2442.18,0.413,24,143.75,current,not_applicable,low_burden
Ethiopia,2021,rural,male,19,18-24,lowest,primary,self_employed,41.95,4,none,1,72,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,58,55+,fourth,secondary,farmer,261.09,5,none,1,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,female,69,55+,lowest,primary,farmer,183.4,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,female,34,25-34,middle,tertiary,unemployed,271.86,3,limited,1,555,1,sacco,2719.96,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2018,urban,female,34,25-34,lowest,secondary,self_employed,160.72,10,none,0,237,1,sacco,3347.76,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2018,rural,male,47,45-54,second,tertiary,farmer,160.4,7,limited,0,144,1,informal_lender,2615.15,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2020,rural,male,44,35-44,second,primary,employed_informal,240.17,10,limited,0,747,1,employer,1897.12,none,business,1,1715.18,0.016,12,145.18,current,not_applicable,low_burden
South Africa,2024,urban,female,37,35-44,fourth,primary,employed_formal,262.73,10,none,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,urban,female,37,35-44,second,primary,employed_informal,191.82,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,rural,female,27,25-34,second,secondary,employed_formal,172.8,6,good,0,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,31,25-34,fourth,secondary,self_employed,1215.83,6,good,0,328,1,digital_lender,18259.16,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,urban,male,48,45-54,lowest,primary,self_employed,583.75,2,good,0,850,1,informal_lender,5845.78,guarantor,education,1,5800.07,0.823,6,1762.35,late_30_days,not_applicable,low_burden
Malawi,2020,rural,male,56,55+,fourth,none,farmer,438.6,10,none,1,0,1,microfinance,12320.51,guarantor,asset_purchase,1,10427.28,0.273,12,1106.34,paid_off,not_applicable,low_burden
Uganda,2023,urban,female,57,55+,lowest,primary,self_employed,56.57,2,good,0,421,1,digital_lender,1060.58,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2018,urban,female,44,35-44,highest,none,employed_informal,428.96,3,good,1,518,1,commercial_bank,7651.46,none,emergency,1,7224.84,0.212,18,486.45,current,not_applicable,low_burden
DRC,2018,rural,male,57,55+,lowest,primary,farmer,31.97,10,limited,0,525,1,sacco,851.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2024,urban,female,48,45-54,middle,secondary,employed_informal,173.54,2,limited,0,509,1,sacco,17097.87,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2022,rural,male,36,35-44,middle,tertiary,employed_formal,26.25,9,none,1,316,1,digital_lender,664.42,savings,emergency,1,587.99,0.469,48,18.0,defaulted,not_applicable,low_burden
Uganda,2020,rural,female,36,35-44,middle,none,unemployed,124.63,2,limited,0,686,1,digital_lender,10153.3,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,rural,male,44,35-44,fourth,none,employed_formal,544.59,6,good,0,102,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,female,33,25-34,lowest,primary,employed_informal,63.5,4,limited,1,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,male,57,55+,second,none,self_employed,101.22,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,female,27,25-34,highest,secondary,self_employed,318.29,8,none,0,256,1,informal_lender,4959.94,savings,agriculture,1,4343.98,0.782,12,645.2,paid_off,not_applicable,low_burden
Niger,2018,rural,female,20,18-24,highest,none,self_employed,1385.21,6,limited,0,325,1,sacco,8092.5,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2020,urban,male,43,35-44,middle,tertiary,farmer,426.92,6,limited,1,752,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,female,21,18-24,middle,tertiary,self_employed,198.2,4,limited,1,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,27,25-34,fourth,primary,self_employed,70.57,7,excellent,0,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,female,37,35-44,fourth,tertiary,unemployed,348.9,1,none,1,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,male,18,18-24,highest,secondary,employed_formal,1342.01,4,none,1,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,female,29,25-34,fourth,tertiary,self_employed,323.22,8,none,1,59,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,female,46,45-54,second,primary,employed_informal,206.99,2,good,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,female,37,35-44,middle,tertiary,employed_formal,482.09,10,good,1,495,1,commercial_bank,8436.25,guarantor,asset_purchase,1,7822.6,0.182,18,513.77,late_30_days,not_applicable,low_burden
South Africa,2022,urban,male,64,55+,middle,primary,unemployed,332.5,1,good,1,850,1,sacco,2909.25,none,agriculture,1,2682.0,0.363,12,304.68,late_30_days,not_applicable,low_burden
Malawi,2018,rural,female,22,18-24,lowest,primary,farmer,94.93,3,good,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,55,45-54,fourth,tertiary,employed_informal,182.7,10,none,1,477,1,sacco,6444.55,equipment,asset_purchase,1,5628.9,0.277,36,199.67,defaulted,not_applicable,low_burden
Malawi,2022,rural,male,48,45-54,middle,primary,self_employed,84.98,3,none,0,383,1,informal_lender,4970.33,guarantor,education,1,4349.53,0.786,36,215.83,current,not_applicable,low_burden
Kenya,2022,rural,male,51,45-54,lowest,primary,employed_informal,84.14,10,limited,1,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,male,52,45-54,fourth,none,farmer,793.14,3,none,1,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,male,20,18-24,second,none,self_employed,260.24,7,limited,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,59,55+,lowest,primary,unemployed,66.05,3,none,0,662,1,family_friends,2707.92,savings,business,1,2426.24,0.039,12,210.09,paid_off,not_applicable,low_burden
Mali,2023,rural,female,35,25-34,middle,primary,employed_informal,159.41,7,none,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,51,45-54,fourth,secondary,employed_informal,382.22,3,limited,1,402,1,sacco,6273.49,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2021,urban,male,33,25-34,middle,secondary,unemployed,389.1,4,none,0,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,female,38,35-44,lowest,none,unemployed,81.93,1,excellent,0,513,1,sacco,9316.84,guarantor,education,1,9303.49,0.366,6,2118.59,current,not_applicable,low_burden
Ethiopia,2021,rural,female,54,45-54,middle,secondary,employed_informal,1240.56,9,none,0,638,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,66,55+,lowest,secondary,self_employed,31.62,4,good,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,63,55+,highest,secondary,unemployed,6351.92,5,none,1,413,1,commercial_bank,24538.11,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2019,rural,female,55,45-54,second,secondary,farmer,50.33,10,good,1,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,female,46,45-54,highest,tertiary,self_employed,869.82,8,limited,0,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,45,35-44,lowest,none,farmer,26.1,5,none,1,272,1,commercial_bank,1170.39,property,agriculture,1,1123.23,0.228,18,76.6,current,not_applicable,low_burden
Mali,2023,rural,female,68,55+,lowest,secondary,unemployed,74.64,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,male,28,25-34,second,tertiary,self_employed,359.89,4,none,0,0,1,informal_lender,8269.75,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2024,urban,female,67,55+,fourth,secondary,employed_informal,503.27,4,good,0,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,51,45-54,highest,none,self_employed,1312.22,5,none,0,72,1,sacco,6399.29,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2022,rural,female,50,45-54,middle,secondary,farmer,148.67,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,48,45-54,second,secondary,self_employed,28.89,8,limited,1,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,60,55+,lowest,primary,employed_informal,93.41,9,limited,0,473,1,informal_lender,1987.72,savings,agriculture,1,1735.79,0.834,18,176.87,late_60_days,not_applicable,low_burden
Rwanda,2023,urban,male,53,45-54,middle,secondary,farmer,304.83,9,none,1,523,1,commercial_bank,6710.39,none,asset_purchase,1,5855.72,0.168,18,380.04,current,not_applicable,low_burden
Nigeria,2025,rural,female,22,18-24,second,secondary,self_employed,86.71,7,none,1,721,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,female,58,55+,highest,secondary,unemployed,498.16,6,limited,1,656,1,microfinance,3275.3,guarantor,business,1,3207.67,0.359,12,363.25,current,not_applicable,low_burden
Rwanda,2021,urban,female,55,45-54,middle,primary,self_employed,396.6,9,none,0,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,female,65,55+,fourth,secondary,farmer,278.15,5,limited,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,urban,female,66,55+,fourth,secondary,self_employed,639.69,5,none,1,459,1,microfinance,6818.98,guarantor,debt_consolidation,1,6517.93,0.318,6,1432.21,current,not_applicable,low_burden
Mozambique,2022,urban,female,67,55+,lowest,primary,employed_formal,206.51,8,excellent,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,20,18-24,second,secondary,self_employed,513.05,1,limited,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,female,50,45-54,highest,primary,employed_formal,1774.88,7,limited,0,646,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,male,66,55+,second,tertiary,farmer,135.85,4,good,0,348,1,employer,5358.34,savings,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ghana,2018,urban,female,68,55+,middle,secondary,farmer,357.34,8,excellent,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,46,45-54,highest,secondary,employed_formal,501.77,6,good,0,850,1,family_friends,18929.71,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2019,rural,female,65,55+,lowest,secondary,self_employed,43.48,7,limited,1,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,male,63,55+,highest,primary,unemployed,1823.91,1,good,1,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,18,18-24,second,secondary,employed_informal,97.81,4,none,0,483,1,employer,4605.02,vehicle,housing,1,4285.93,0.064,6,760.33,current,not_applicable,low_burden
DRC,2019,urban,female,64,55+,middle,none,unemployed,385.52,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,female,51,45-54,second,secondary,employed_informal,92.26,6,limited,0,210,1,family_friends,1269.99,guarantor,business,1,1197.38,0.093,24,54.52,current,not_applicable,low_burden
Kenya,2024,urban,male,47,45-54,middle,none,employed_formal,778.63,4,limited,1,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,urban,female,27,25-34,lowest,secondary,self_employed,71.71,3,good,0,703,1,employer,1262.58,none,consumption,1,1024.46,0.025,18,58.33,current,not_applicable,low_burden
Tanzania,2024,rural,male,65,55+,lowest,secondary,employed_informal,129.01,6,limited,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,male,33,25-34,second,primary,unemployed,74.12,3,limited,0,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,male,39,35-44,second,primary,farmer,106.55,5,good,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,33,25-34,middle,none,farmer,506.71,3,limited,0,489,1,microfinance,17024.0,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Kenya,2024,urban,female,68,55+,lowest,primary,farmer,57.98,9,none,1,322,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,43,35-44,lowest,primary,farmer,29.99,4,none,0,203,1,informal_lender,1349.5,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2024,urban,female,23,18-24,lowest,tertiary,farmer,43.4,4,limited,0,744,1,family_friends,917.81,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2018,rural,female,18,18-24,second,tertiary,farmer,220.97,1,none,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,68,55+,lowest,tertiary,farmer,153.05,4,limited,0,545,1,informal_lender,2052.17,savings,business,1,1679.75,0.836,12,257.01,current,not_applicable,low_burden
Rwanda,2025,rural,female,30,25-34,lowest,none,self_employed,35.32,3,good,0,246,1,sacco,3388.29,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2025,urban,male,58,55+,middle,primary,self_employed,191.74,4,none,0,337,1,family_friends,4388.92,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2023,rural,male,19,18-24,fourth,primary,self_employed,528.18,2,good,0,254,1,employer,9059.21,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2018,rural,male,64,55+,fourth,secondary,self_employed,828.37,2,limited,0,138,1,informal_lender,7208.9,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2018,urban,female,51,45-54,second,secondary,employed_informal,172.46,8,excellent,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,29,25-34,highest,secondary,self_employed,1460.14,5,none,1,134,1,commercial_bank,4758.48,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2023,rural,male,64,55+,middle,primary,self_employed,368.6,7,limited,0,671,1,commercial_bank,1821.16,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2024,rural,female,33,25-34,middle,secondary,employed_formal,902.73,9,limited,0,437,1,microfinance,4612.23,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2023,rural,female,69,55+,lowest,tertiary,farmer,26.82,6,good,0,699,1,family_friends,2034.56,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2020,urban,male,49,45-54,lowest,primary,farmer,56.27,5,good,1,850,1,microfinance,1240.92,savings,business,1,1071.09,0.31,36,38.97,late_30_days,not_applicable,low_burden
DRC,2024,urban,male,41,35-44,middle,secondary,employed_informal,209.3,4,good,1,309,1,commercial_bank,7660.02,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,rural,male,21,18-24,lowest,secondary,unemployed,107.51,1,none,1,66,1,informal_lender,1788.81,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2024,rural,male,31,25-34,fourth,none,unemployed,276.43,5,none,1,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,female,21,18-24,second,tertiary,farmer,225.18,5,limited,0,15,1,informal_lender,1622.87,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2023,rural,female,62,55+,lowest,tertiary,employed_formal,65.6,10,none,0,0,1,family_friends,2682.49,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2025,rural,male,23,18-24,lowest,secondary,self_employed,60.31,8,excellent,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,male,23,18-24,lowest,none,self_employed,96.88,7,limited,1,581,1,informal_lender,4937.17,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2021,urban,male,24,18-24,second,none,farmer,372.13,9,good,1,328,1,digital_lender,13081.01,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2020,urban,male,68,55+,lowest,secondary,self_employed,45.55,7,good,0,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,male,68,55+,middle,none,farmer,180.26,9,none,1,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,55,45-54,second,none,farmer,51.81,8,none,0,497,1,employer,929.11,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2019,rural,female,21,18-24,middle,primary,unemployed,234.37,3,limited,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,urban,female,44,35-44,highest,none,self_employed,863.89,8,good,1,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,67,55+,highest,secondary,unemployed,1403.59,5,limited,0,535,1,family_friends,21328.98,none,agriculture,1,19079.17,0.087,36,576.15,current,not_applicable,low_burden
Uganda,2022,rural,female,23,18-24,middle,secondary,farmer,199.33,3,none,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,male,59,55+,second,none,employed_informal,88.91,9,limited,1,71,1,commercial_bank,3379.0,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2023,rural,male,18,18-24,fourth,secondary,farmer,277.44,6,none,0,253,1,digital_lender,3273.75,none,business,1,3084.53,0.455,24,186.98,defaulted,not_applicable,low_burden
Senegal,2021,urban,female,59,55+,highest,none,employed_formal,3310.04,5,none,1,53,1,family_friends,19246.84,vehicle,business,1,18408.18,0.025,18,1047.97,defaulted,not_applicable,low_burden
Mali,2021,rural,female,46,45-54,middle,none,employed_informal,66.64,2,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,male,64,55+,lowest,primary,unemployed,57.92,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,urban,female,39,35-44,fourth,primary,self_employed,504.48,9,none,0,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,female,58,55+,lowest,primary,self_employed,57.56,7,none,0,58,1,family_friends,5743.68,none,business,1,5611.34,0.077,18,335.61,late_60_days,not_applicable,low_burden
DRC,2025,rural,female,61,55+,fourth,secondary,unemployed,464.89,3,good,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,34,25-34,lowest,primary,self_employed,57.9,9,none,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,male,51,45-54,lowest,secondary,employed_informal,107.5,10,none,1,369,1,microfinance,1190.2,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2018,rural,female,41,35-44,fourth,primary,employed_formal,358.09,10,none,0,718,1,family_friends,4062.21,none,consumption,1,3469.89,0.012,18,194.99,current,not_applicable,low_burden
Mali,2019,rural,male,40,35-44,fourth,secondary,self_employed,306.8,2,limited,0,784,1,informal_lender,3567.35,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2023,urban,male,59,55+,middle,secondary,employed_informal,120.87,9,none,0,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,female,29,25-34,fourth,none,employed_formal,373.0,9,good,1,394,1,microfinance,7784.62,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2020,urban,female,24,18-24,highest,secondary,farmer,288.28,8,good,1,434,1,commercial_bank,11586.35,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,rural,male,42,35-44,second,secondary,employed_informal,75.79,8,limited,0,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,female,60,55+,highest,none,self_employed,1395.16,7,none,0,846,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,female,26,25-34,second,secondary,employed_formal,416.17,10,limited,0,508,1,family_friends,5837.44,guarantor,business,1,5543.24,0.014,12,468.56,late_30_days,not_applicable,low_burden
Zambia,2018,rural,female,35,25-34,lowest,secondary,self_employed,311.97,2,none,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,male,52,45-54,fourth,none,self_employed,364.5,9,none,0,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,42,35-44,second,tertiary,self_employed,66.2,4,good,1,241,1,informal_lender,2258.34,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2021,rural,male,49,45-54,highest,primary,employed_informal,957.11,3,none,1,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,45,35-44,lowest,secondary,employed_informal,332.72,8,none,1,0,1,family_friends,6673.79,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2022,rural,male,60,55+,lowest,tertiary,employed_formal,176.13,10,none,1,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,male,63,55+,lowest,tertiary,employed_formal,29.19,4,none,1,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,41,35-44,middle,secondary,self_employed,181.27,10,none,0,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,40,35-44,fourth,secondary,employed_informal,597.99,4,none,1,516,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,female,32,25-34,second,primary,employed_informal,344.51,10,good,1,832,1,digital_lender,4500.43,savings,business,1,4495.64,0.415,24,265.02,current,not_applicable,low_burden
Ghana,2022,urban,female,41,35-44,lowest,primary,employed_informal,136.0,1,none,1,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,rural,male,61,55+,second,tertiary,farmer,88.61,7,none,0,576,1,microfinance,821.43,none,education,1,691.34,0.354,18,52.01,paid_off,not_applicable,low_burden
Malawi,2019,rural,female,44,35-44,second,primary,self_employed,182.43,6,good,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,rural,male,53,45-54,middle,secondary,self_employed,383.32,9,limited,0,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,39,35-44,middle,none,self_employed,104.16,5,good,0,552,1,digital_lender,4389.66,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2024,urban,female,54,45-54,lowest,primary,self_employed,228.03,1,limited,0,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,rural,male,55,45-54,second,none,employed_informal,242.91,2,none,0,502,1,digital_lender,8141.52,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2022,urban,male,45,35-44,middle,secondary,self_employed,177.5,3,none,0,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,male,66,55+,second,none,self_employed,345.76,9,good,1,767,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,female,63,55+,second,primary,self_employed,214.33,1,good,0,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,female,26,25-34,middle,tertiary,employed_informal,541.38,9,limited,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,29,25-34,second,secondary,unemployed,365.58,2,limited,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,male,67,55+,lowest,secondary,farmer,89.21,6,limited,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,38,35-44,lowest,none,employed_formal,75.97,10,none,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,34,25-34,fourth,primary,unemployed,52.0,4,none,1,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,59,55+,lowest,secondary,employed_informal,131.55,7,excellent,1,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,female,49,45-54,fourth,none,employed_formal,673.19,10,none,0,382,1,sacco,12890.31,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Rwanda,2022,urban,female,24,18-24,second,primary,employed_informal,467.57,5,none,0,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,urban,male,22,18-24,middle,tertiary,unemployed,154.88,6,limited,0,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,60,55+,fourth,none,employed_informal,964.63,8,none,1,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,male,57,55+,second,tertiary,farmer,369.24,10,excellent,1,248,1,digital_lender,2661.57,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Nigeria,2023,rural,male,36,35-44,lowest,primary,self_employed,38.19,6,none,1,0,1,commercial_bank,3122.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2020,rural,male,62,55+,lowest,primary,self_employed,126.15,7,good,0,590,1,informal_lender,8711.71,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,urban,male,24,18-24,fourth,primary,self_employed,680.24,5,none,0,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,female,63,55+,second,tertiary,employed_formal,55.13,10,none,0,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,22,18-24,fourth,secondary,farmer,496.44,7,limited,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,51,45-54,second,secondary,self_employed,70.9,2,good,1,184,1,informal_lender,12620.65,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2019,urban,male,61,55+,second,primary,self_employed,55.99,6,none,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,50,45-54,second,tertiary,employed_formal,156.79,5,none,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,rural,male,58,55+,lowest,secondary,farmer,57.55,7,none,0,33,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,male,35,25-34,fourth,secondary,farmer,880.94,7,none,0,428,1,family_friends,10044.86,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2024,urban,female,32,25-34,lowest,secondary,self_employed,102.06,9,good,0,691,1,sacco,5761.96,property,business,1,4689.91,0.357,18,353.6,current,not_applicable,low_burden
Malawi,2021,rural,female,31,25-34,highest,secondary,self_employed,1145.14,2,good,1,226,1,commercial_bank,4613.28,guarantor,business,1,4517.8,0.187,18,297.99,current,not_applicable,low_burden
South Africa,2022,urban,female,24,18-24,lowest,secondary,employed_informal,128.31,5,limited,0,615,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,urban,male,32,25-34,middle,none,employed_informal,609.71,4,none,1,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,male,30,25-34,lowest,tertiary,employed_formal,32.39,8,limited,1,631,1,microfinance,1036.77,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2020,rural,male,57,55+,fourth,primary,farmer,378.91,10,limited,1,536,1,sacco,9730.09,none,agriculture,1,8046.59,0.298,12,870.33,current,not_applicable,low_burden
Zambia,2020,urban,female,29,25-34,lowest,tertiary,employed_formal,81.43,9,none,1,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,rural,male,26,25-34,middle,primary,employed_formal,316.05,8,none,1,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,56,55+,highest,none,employed_formal,1184.87,10,limited,1,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,45,35-44,middle,primary,employed_informal,130.12,6,good,0,249,1,family_friends,1036.43,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2024,rural,female,29,25-34,lowest,secondary,self_employed,47.55,5,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,female,54,45-54,fourth,primary,farmer,1045.52,6,good,0,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,29,25-34,second,secondary,self_employed,37.05,9,good,0,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,male,58,55+,lowest,secondary,self_employed,98.98,5,good,0,152,1,informal_lender,3462.64,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2022,rural,female,19,18-24,middle,primary,self_employed,476.91,7,excellent,0,169,1,sacco,13915.2,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2020,rural,male,48,45-54,fourth,secondary,self_employed,494.48,2,none,1,372,1,digital_lender,9176.21,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2020,rural,male,49,45-54,second,secondary,farmer,482.04,1,none,0,251,1,informal_lender,9047.9,equipment,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2020,urban,male,37,35-44,fourth,tertiary,farmer,948.88,1,good,1,636,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,53,45-54,fourth,primary,farmer,431.47,5,good,0,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,urban,male,37,35-44,second,tertiary,farmer,130.53,8,none,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,51,45-54,second,none,unemployed,160.8,1,limited,1,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,male,29,25-34,fourth,secondary,self_employed,792.74,10,good,1,175,1,informal_lender,7013.75,equipment,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2019,urban,male,47,45-54,second,secondary,self_employed,181.41,2,none,1,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,57,55+,lowest,primary,farmer,35.81,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,68,55+,second,none,employed_informal,77.89,3,none,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,36,35-44,highest,secondary,self_employed,1127.89,1,none,1,234,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,42,35-44,second,primary,unemployed,43.04,4,limited,1,300,1,commercial_bank,1777.04,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2021,urban,male,42,35-44,lowest,none,self_employed,64.6,6,none,0,5,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,male,62,55+,lowest,none,employed_formal,16.38,10,good,1,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,female,68,55+,lowest,secondary,self_employed,107.92,10,none,1,65,1,microfinance,11893.35,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2019,urban,female,51,45-54,highest,primary,employed_informal,2221.97,6,good,1,546,1,microfinance,22866.65,guarantor,housing,1,21585.09,0.309,24,1177.67,paid_off,not_applicable,low_burden
South Africa,2025,urban,male,60,55+,middle,primary,self_employed,315.32,9,none,0,150,1,informal_lender,8308.72,guarantor,emergency,1,7290.61,0.768,12,1074.37,current,not_applicable,low_burden
Senegal,2018,urban,male,22,18-24,fourth,tertiary,self_employed,1772.84,5,good,1,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,female,57,55+,fourth,secondary,self_employed,1263.31,4,none,1,0,1,microfinance,8850.48,savings,education,1,7709.69,0.27,24,408.09,current,not_applicable,low_burden
Tanzania,2020,urban,male,60,55+,second,secondary,self_employed,253.2,4,limited,1,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,55,45-54,fourth,secondary,employed_formal,454.44,7,none,0,536,1,informal_lender,4075.07,property,asset_purchase,1,4026.65,0.834,48,153.85,current,not_applicable,low_burden
Kenya,2024,rural,female,48,45-54,highest,none,self_employed,519.95,9,limited,1,796,1,digital_lender,11668.56,property,asset_purchase,1,10154.31,0.419,18,800.76,paid_off,not_applicable,low_burden
Tanzania,2024,rural,female,64,55+,fourth,primary,employed_formal,488.85,9,none,0,529,1,microfinance,4954.84,property,agriculture,1,4367.84,0.278,12,465.14,current,not_applicable,low_burden
Malawi,2021,urban,male,51,45-54,fourth,none,self_employed,445.62,10,none,0,713,1,sacco,6018.01,guarantor,emergency,1,4833.3,0.283,12,516.83,paid_off,not_applicable,low_burden
Zambia,2024,urban,female,62,55+,second,none,self_employed,265.62,3,limited,1,622,1,commercial_bank,6757.16,equipment,agriculture,1,5653.79,0.223,36,192.01,paid_off,not_applicable,low_burden
Zambia,2024,rural,male,27,25-34,fourth,none,employed_informal,509.81,8,none,1,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,52,45-54,lowest,secondary,unemployed,51.3,1,excellent,1,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,40,35-44,fourth,primary,self_employed,1059.3,3,limited,0,196,1,sacco,9198.65,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2022,rural,male,63,55+,second,none,employed_informal,103.37,1,none,0,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,female,63,55+,middle,tertiary,self_employed,302.86,10,excellent,0,688,1,informal_lender,12471.8,guarantor,asset_purchase,1,10879.12,0.786,12,1619.47,late_60_days,not_applicable,low_burden
Ethiopia,2025,rural,female,61,55+,highest,none,employed_formal,334.97,6,none,0,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,29,25-34,middle,secondary,employed_formal,165.49,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,43,35-44,lowest,primary,unemployed,272.89,1,none,0,485,1,microfinance,2138.2,guarantor,agriculture,1,1995.34,0.335,24,110.97,current,not_applicable,low_burden
Niger,2025,urban,female,18,18-24,fourth,secondary,farmer,261.92,2,limited,1,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,68,55+,highest,none,farmer,1345.76,4,good,0,639,1,microfinance,9294.64,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2021,urban,female,31,25-34,middle,none,self_employed,217.06,4,none,0,692,1,employer,15542.83,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2019,urban,female,50,45-54,highest,secondary,unemployed,210.31,2,limited,0,175,1,informal_lender,7289.37,guarantor,agriculture,1,5924.7,0.753,12,865.56,paid_off,not_applicable,low_burden
Rwanda,2018,urban,female,43,35-44,fourth,primary,unemployed,727.49,1,none,0,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,male,65,55+,highest,none,employed_formal,449.9,10,limited,0,749,1,family_friends,5119.86,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2025,urban,female,60,55+,second,primary,employed_informal,226.25,8,none,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,male,58,55+,middle,secondary,self_employed,399.86,2,none,0,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,male,51,45-54,fourth,none,employed_informal,579.71,6,none,0,210,1,family_friends,10296.96,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ethiopia,2023,urban,female,24,18-24,highest,secondary,self_employed,1246.54,6,limited,1,634,1,commercial_bank,8413.03,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2022,rural,male,65,55+,lowest,secondary,employed_informal,32.81,3,excellent,1,223,1,microfinance,4928.27,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2025,rural,male,21,18-24,lowest,secondary,farmer,98.8,8,excellent,0,248,1,informal_lender,5159.66,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2022,urban,male,41,35-44,second,secondary,employed_formal,158.47,6,limited,0,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,rural,male,37,35-44,fourth,primary,farmer,81.4,9,good,0,346,1,microfinance,1736.02,vehicle,housing,1,1510.16,0.323,24,83.24,current,not_applicable,low_burden
Rwanda,2019,urban,female,38,35-44,highest,tertiary,self_employed,1767.62,5,good,1,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,female,68,55+,middle,primary,employed_formal,659.45,7,limited,0,175,1,microfinance,7744.93,property,housing,1,6761.74,0.345,12,757.69,current,not_applicable,low_burden
Ethiopia,2024,rural,male,30,25-34,lowest,primary,farmer,169.88,7,none,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,urban,female,48,45-54,second,secondary,self_employed,827.07,7,limited,0,73,1,sacco,9446.73,equipment,emergency,1,9051.88,0.277,18,641.96,late_30_days,not_applicable,low_burden
Zambia,2021,rural,female,29,25-34,highest,secondary,farmer,1141.15,6,none,0,528,1,sacco,11067.19,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2019,urban,female,65,55+,second,none,unemployed,259.33,3,good,0,656,1,sacco,5600.64,equipment,education,1,4788.53,0.3,6,1037.43,late_60_days,not_applicable,low_burden
Mali,2018,rural,male,56,55+,lowest,tertiary,employed_formal,129.33,6,none,0,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,39,35-44,second,tertiary,employed_informal,65.2,9,none,0,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,urban,male,22,18-24,fourth,primary,employed_formal,152.62,10,good,1,372,1,commercial_bank,5256.62,vehicle,business,1,5142.99,0.162,48,124.52,paid_off,not_applicable,low_burden
Uganda,2024,urban,male,25,18-24,middle,secondary,employed_formal,213.67,6,none,0,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,30,25-34,lowest,secondary,unemployed,147.29,6,excellent,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,male,39,35-44,second,tertiary,farmer,76.37,9,excellent,1,776,1,sacco,3660.83,savings,agriculture,1,3619.81,0.359,18,273.24,paid_off,not_applicable,low_burden
Zambia,2024,rural,female,64,55+,highest,secondary,self_employed,919.88,2,limited,0,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,24,18-24,second,none,farmer,181.2,8,limited,1,643,1,commercial_bank,2601.77,savings,education,1,2196.72,0.197,18,146.02,current,not_applicable,low_burden
Zambia,2020,urban,male,47,45-54,second,secondary,unemployed,214.71,2,none,0,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,male,36,35-44,lowest,none,employed_informal,36.74,8,none,1,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,20,18-24,second,secondary,employed_formal,154.19,7,good,1,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,50,45-54,fourth,secondary,farmer,366.22,3,none,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,54,45-54,fourth,secondary,farmer,1086.07,3,none,1,219,1,digital_lender,6230.55,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2023,urban,female,67,55+,second,primary,employed_informal,401.07,1,none,1,76,1,commercial_bank,4725.64,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2025,urban,female,44,35-44,highest,primary,self_employed,755.9,9,limited,0,781,1,informal_lender,7507.22,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2018,rural,female,34,25-34,second,secondary,employed_informal,417.52,4,limited,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,male,62,55+,highest,primary,self_employed,844.64,10,none,1,786,1,digital_lender,6374.79,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2024,rural,female,30,25-34,lowest,primary,self_employed,18.69,3,none,0,249,1,informal_lender,3192.15,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2023,rural,female,53,45-54,second,primary,employed_informal,114.84,4,good,0,727,1,digital_lender,1880.7,savings,housing,1,1646.65,0.487,6,407.97,current,not_applicable,low_burden
Kenya,2025,rural,male,67,55+,highest,tertiary,farmer,2086.02,9,none,0,64,1,digital_lender,3756.44,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2021,rural,female,18,18-24,highest,primary,self_employed,374.07,4,none,0,611,1,digital_lender,17423.14,none,consumption,1,16494.35,0.438,18,1317.31,paid_off,not_applicable,low_burden
Mozambique,2023,rural,female,66,55+,fourth,secondary,farmer,314.36,8,none,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,28,25-34,middle,secondary,self_employed,77.2,1,good,1,770,1,commercial_bank,1750.79,savings,asset_purchase,1,1494.7,0.189,12,148.11,current,not_applicable,low_burden
DRC,2024,rural,female,43,35-44,fourth,secondary,self_employed,142.24,10,none,1,53,1,sacco,7049.04,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2018,rural,female,31,25-34,fourth,secondary,employed_informal,183.89,7,none,1,70,1,sacco,5811.95,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2020,rural,female,25,18-24,second,none,employed_informal,51.37,8,limited,0,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,54,45-54,second,primary,farmer,117.39,1,none,1,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,43,35-44,middle,none,self_employed,675.27,10,excellent,0,628,1,digital_lender,4238.18,guarantor,education,1,4090.7,0.452,12,494.9,late_30_days,not_applicable,low_burden
Ethiopia,2019,urban,male,44,35-44,middle,secondary,employed_informal,290.93,5,good,1,585,1,family_friends,4471.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2020,urban,male,43,35-44,highest,secondary,unemployed,1716.74,1,limited,1,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,female,56,55+,middle,secondary,farmer,429.41,2,none,1,704,1,family_friends,4775.87,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2020,urban,male,68,55+,lowest,secondary,employed_informal,41.36,1,none,0,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,rural,female,44,35-44,lowest,secondary,employed_informal,33.66,7,limited,0,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,male,26,25-34,fourth,tertiary,self_employed,563.63,3,none,0,143,1,sacco,7807.98,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2019,urban,male,35,25-34,lowest,secondary,employed_formal,57.65,10,limited,0,825,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,43,35-44,highest,primary,unemployed,1083.58,1,none,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,female,23,18-24,lowest,none,self_employed,290.74,1,limited,0,617,1,family_friends,3054.9,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2025,rural,male,29,25-34,second,secondary,employed_formal,43.8,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,28,25-34,fourth,secondary,self_employed,256.84,8,limited,0,19,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,male,68,55+,second,secondary,employed_informal,157.52,6,none,1,74,1,commercial_bank,3411.95,guarantor,agriculture,1,3394.13,0.158,12,327.42,current,not_applicable,low_burden
DRC,2019,urban,male,38,35-44,fourth,primary,self_employed,340.31,9,none,0,341,1,family_friends,5041.08,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2021,urban,male,63,55+,lowest,secondary,employed_informal,58.72,8,limited,0,518,1,family_friends,4971.86,none,agriculture,1,4605.3,0.042,18,266.66,current,not_applicable,low_burden
Ethiopia,2022,urban,female,46,45-54,middle,primary,farmer,211.42,2,limited,0,59,1,digital_lender,3332.11,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2024,urban,male,44,35-44,middle,primary,farmer,295.2,5,excellent,1,850,1,microfinance,2712.5,none,education,1,2257.5,0.294,24,121.76,current,not_applicable,low_burden
Nigeria,2020,rural,male,66,55+,highest,secondary,unemployed,745.26,6,none,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,53,45-54,lowest,secondary,employed_informal,175.16,7,none,0,199,1,informal_lender,2853.61,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2023,rural,male,30,25-34,second,primary,self_employed,119.19,7,limited,1,384,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,32,25-34,middle,primary,farmer,652.65,2,none,0,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,52,45-54,highest,secondary,self_employed,438.81,6,good,1,837,1,commercial_bank,7110.72,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2021,urban,male,18,18-24,fourth,primary,self_employed,212.16,2,none,1,0,1,sacco,1475.1,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2019,rural,female,25,18-24,fourth,none,unemployed,266.4,3,good,0,573,1,family_friends,9590.15,none,housing,1,7675.83,0.002,12,640.69,late_60_days,not_applicable,low_burden
Zambia,2025,rural,female,21,18-24,middle,secondary,farmer,276.46,3,limited,1,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,55,45-54,middle,secondary,farmer,544.92,3,none,1,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,female,40,35-44,highest,none,self_employed,1845.45,6,none,0,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,18,18-24,highest,secondary,self_employed,1213.73,1,limited,0,413,1,informal_lender,8667.29,none,consumption,1,7644.35,0.847,36,392.16,paid_off,not_applicable,low_burden
Malawi,2025,rural,female,56,55+,fourth,secondary,self_employed,558.6,7,limited,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,52,45-54,fourth,primary,self_employed,859.6,5,none,1,629,1,commercial_bank,9677.78,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2020,rural,male,55,45-54,highest,primary,employed_informal,384.85,6,limited,1,800,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,urban,female,26,25-34,lowest,primary,farmer,77.57,8,limited,1,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,urban,female,63,55+,second,primary,self_employed,1258.85,8,limited,0,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,female,27,25-34,highest,secondary,self_employed,1804.05,10,limited,0,657,1,informal_lender,11446.69,none,consumption,1,9676.78,0.846,6,2976.91,paid_off,not_applicable,low_burden
Nigeria,2022,urban,male,47,45-54,middle,primary,farmer,426.58,2,good,0,665,1,family_friends,3779.89,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2023,urban,female,47,45-54,lowest,tertiary,farmer,167.99,5,limited,1,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,29,25-34,middle,primary,employed_informal,78.52,1,none,0,285,1,informal_lender,1503.71,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2023,rural,female,37,35-44,middle,secondary,self_employed,127.17,3,none,0,743,1,commercial_bank,2288.54,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2022,rural,male,20,18-24,fourth,secondary,self_employed,162.34,6,none,0,18,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,urban,female,42,35-44,fourth,secondary,employed_informal,659.41,2,none,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,female,53,45-54,lowest,tertiary,employed_formal,69.41,8,none,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,male,34,25-34,second,secondary,self_employed,129.68,10,good,0,804,1,family_friends,1422.4,equipment,business,1,1358.08,0.082,18,81.67,current,not_applicable,low_burden
Niger,2025,urban,male,45,35-44,lowest,primary,farmer,72.28,1,none,0,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,67,55+,highest,tertiary,unemployed,317.3,1,limited,1,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,female,30,25-34,lowest,tertiary,self_employed,111.92,3,none,0,0,1,commercial_bank,4081.58,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2024,rural,female,33,25-34,middle,tertiary,self_employed,58.25,10,none,0,603,1,informal_lender,2320.82,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2019,rural,female,24,18-24,middle,none,employed_informal,120.18,8,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,46,45-54,middle,none,unemployed,118.81,1,limited,0,185,1,informal_lender,1350.68,savings,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2020,rural,female,28,25-34,middle,primary,farmer,108.04,8,none,1,445,1,informal_lender,2256.09,equipment,emergency,1,2016.86,0.767,18,198.04,current,not_applicable,low_burden
Nigeria,2018,urban,female,62,55+,fourth,secondary,unemployed,566.58,1,none,0,332,1,family_friends,9343.56,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2024,urban,male,33,25-34,middle,none,self_employed,708.28,8,limited,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,52,45-54,lowest,primary,employed_informal,20.2,3,none,1,499,1,digital_lender,3684.9,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2020,urban,male,27,25-34,second,secondary,self_employed,122.52,8,none,0,35,1,family_friends,1588.96,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2022,rural,male,34,25-34,middle,primary,self_employed,58.79,5,none,0,249,1,sacco,9393.59,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2018,urban,male,26,25-34,second,secondary,employed_informal,118.45,8,none,1,0,1,digital_lender,1904.8,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2021,urban,male,46,45-54,fourth,primary,employed_formal,517.31,7,none,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,male,19,18-24,second,secondary,employed_formal,207.53,9,none,0,696,1,family_friends,1522.0,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2020,urban,male,22,18-24,fourth,primary,self_employed,111.64,10,limited,0,425,1,family_friends,9497.45,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2024,rural,male,44,35-44,lowest,secondary,unemployed,88.56,5,limited,1,615,1,digital_lender,1616.6,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2019,urban,female,46,45-54,fourth,secondary,farmer,249.0,6,good,1,335,1,commercial_bank,11355.97,none,business,1,10520.69,0.132,48,248.12,current,not_applicable,low_burden
Rwanda,2019,rural,female,35,25-34,lowest,primary,farmer,25.71,10,good,0,116,1,sacco,1248.53,equipment,business,1,1150.22,0.29,12,123.61,current,not_applicable,low_burden
Nigeria,2022,urban,male,40,35-44,middle,primary,employed_informal,312.8,2,none,1,423,1,digital_lender,4180.75,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2025,urban,female,39,35-44,second,secondary,farmer,280.71,8,none,0,104,1,microfinance,2181.77,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2021,rural,female,57,55+,middle,secondary,self_employed,186.42,7,good,0,173,1,microfinance,8729.04,guarantor,education,1,7046.59,0.357,18,531.3,current,not_applicable,low_burden
DRC,2018,urban,male,41,35-44,lowest,none,employed_formal,41.81,6,none,0,320,1,employer,4453.1,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2025,urban,male,62,55+,fourth,secondary,self_employed,458.35,4,limited,1,347,1,family_friends,3905.88,none,business,1,3677.77,0.015,24,155.59,paid_off,not_applicable,low_burden
Tanzania,2021,rural,male,29,25-34,middle,primary,employed_informal,120.38,5,limited,1,98,1,commercial_bank,3259.28,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2019,rural,female,28,25-34,highest,primary,farmer,1013.47,7,limited,0,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,38,35-44,fourth,primary,farmer,699.99,7,none,1,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,22,18-24,middle,primary,employed_informal,405.99,8,none,1,742,1,commercial_bank,8228.71,none,business,1,7941.87,0.153,24,381.66,current,not_applicable,low_burden
Kenya,2025,rural,female,52,45-54,fourth,none,self_employed,325.22,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,38,35-44,lowest,primary,self_employed,132.18,10,none,0,321,1,digital_lender,2666.3,none,agriculture,1,2384.32,0.469,36,97.3,current,not_applicable,low_burden
Zambia,2022,rural,male,37,35-44,middle,none,employed_informal,97.87,9,none,1,575,1,commercial_bank,7119.98,equipment,business,1,6524.82,0.178,12,640.38,late_30_days,not_applicable,low_burden
Zambia,2022,urban,female,45,35-44,second,primary,self_employed,630.38,6,limited,1,362,1,commercial_bank,6187.34,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2019,urban,female,22,18-24,fourth,secondary,farmer,239.78,1,none,1,77,1,commercial_bank,3282.85,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2021,rural,female,37,35-44,lowest,secondary,farmer,14.54,4,none,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,68,55+,second,none,employed_informal,315.49,2,none,1,176,1,informal_lender,1934.92,equipment,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2023,rural,female,50,45-54,middle,none,self_employed,121.66,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,47,45-54,second,secondary,employed_formal,196.38,10,none,0,615,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,urban,male,44,35-44,lowest,secondary,employed_formal,43.67,8,none,0,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,female,42,35-44,second,secondary,employed_formal,634.5,10,limited,0,658,1,digital_lender,3041.62,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2020,rural,male,66,55+,fourth,primary,employed_formal,1180.38,8,none,0,363,1,commercial_bank,12058.35,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2022,urban,female,66,55+,lowest,none,employed_informal,265.31,6,none,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,39,35-44,second,primary,self_employed,129.05,1,none,1,130,1,sacco,4036.09,savings,emergency,1,3344.94,0.335,24,186.12,current,not_applicable,low_burden
Nigeria,2025,rural,female,66,55+,highest,secondary,farmer,1319.23,7,excellent,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,22,18-24,highest,primary,employed_informal,639.82,3,limited,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,male,34,25-34,lowest,none,employed_informal,197.13,5,limited,1,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,33,25-34,middle,none,unemployed,150.04,6,good,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,male,54,45-54,lowest,secondary,unemployed,182.66,1,limited,0,648,1,microfinance,6563.39,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2021,rural,female,49,45-54,highest,primary,employed_informal,480.92,10,none,0,835,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,female,42,35-44,second,secondary,self_employed,141.91,9,limited,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,female,31,25-34,second,primary,employed_informal,87.51,1,limited,0,145,1,family_friends,2143.39,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2024,rural,female,44,35-44,second,primary,unemployed,138.8,1,none,1,74,1,commercial_bank,1347.37,savings,education,1,1255.4,0.186,36,41.37,current,not_applicable,low_burden
Uganda,2022,urban,female,31,25-34,middle,primary,self_employed,227.37,10,good,1,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,43,35-44,lowest,tertiary,employed_formal,84.72,8,none,1,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,35,25-34,fourth,none,farmer,235.48,8,none,1,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,64,55+,middle,none,farmer,347.88,10,none,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,female,56,55+,middle,secondary,employed_informal,863.66,1,none,0,632,1,sacco,5551.11,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2019,rural,male,27,25-34,fourth,none,employed_informal,348.14,8,excellent,0,440,1,digital_lender,17668.7,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Rwanda,2022,urban,female,66,55+,lowest,primary,self_employed,424.6,10,limited,1,609,1,commercial_bank,3156.17,none,business,1,3118.06,0.187,12,308.49,late_60_days,not_applicable,low_burden
Senegal,2023,rural,male,52,45-54,lowest,primary,employed_informal,132.63,6,none,0,41,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,female,36,35-44,second,secondary,employed_informal,541.9,10,limited,0,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,male,45,35-44,fourth,primary,farmer,471.29,7,good,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,28,25-34,lowest,secondary,farmer,28.09,7,none,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,male,20,18-24,fourth,secondary,farmer,300.07,2,limited,1,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,39,35-44,middle,secondary,farmer,131.03,8,limited,0,399,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,male,58,55+,middle,primary,self_employed,102.64,9,none,0,415,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,36,35-44,middle,secondary,self_employed,43.0,4,limited,0,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,37,35-44,lowest,tertiary,farmer,184.12,2,limited,1,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,female,69,55+,lowest,secondary,employed_formal,24.44,9,good,1,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,69,55+,fourth,none,employed_informal,942.5,10,good,1,390,1,commercial_bank,7574.85,equipment,business,1,7138.47,0.217,18,482.75,current,not_applicable,low_burden
Senegal,2025,rural,male,42,35-44,second,secondary,employed_informal,560.15,8,excellent,1,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,male,20,18-24,middle,secondary,farmer,115.99,9,none,0,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,53,45-54,highest,tertiary,self_employed,870.98,6,good,0,635,1,family_friends,1763.0,none,asset_purchase,1,1415.5,0.022,12,120.53,late_30_days,not_applicable,low_burden
Mozambique,2023,urban,male,55,45-54,lowest,primary,self_employed,67.98,5,limited,0,349,1,family_friends,1990.69,none,business,1,1715.74,0.014,12,144.97,defaulted,not_applicable,low_burden
DRC,2022,rural,female,65,55+,second,secondary,self_employed,216.43,4,none,1,37,1,family_friends,3357.66,none,asset_purchase,1,3326.72,0.04,12,288.45,current,not_applicable,low_burden
Tanzania,2023,urban,male,67,55+,second,secondary,farmer,78.43,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,female,50,45-54,lowest,tertiary,employed_informal,54.93,7,good,0,513,1,family_friends,3051.41,savings,education,1,2848.94,0.053,6,500.21,current,not_applicable,low_burden
Zambia,2021,rural,male,23,18-24,highest,secondary,self_employed,1455.56,8,good,0,301,1,commercial_bank,7611.17,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2024,rural,male,30,25-34,highest,tertiary,farmer,641.69,9,none,0,41,1,employer,2669.71,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Niger,2020,rural,male,55,45-54,second,primary,farmer,38.79,10,none,0,0,1,family_friends,1465.21,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2022,urban,male,49,45-54,highest,none,self_employed,2362.5,9,good,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,male,40,35-44,lowest,primary,employed_informal,24.32,5,excellent,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,38,35-44,highest,secondary,unemployed,1046.74,1,none,0,816,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,54,45-54,fourth,none,self_employed,495.8,6,none,0,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,urban,female,39,35-44,lowest,secondary,unemployed,97.73,1,limited,1,628,1,microfinance,2777.15,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2024,urban,male,26,25-34,middle,tertiary,farmer,1762.56,10,none,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,68,55+,fourth,tertiary,farmer,822.2,1,limited,1,58,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,36,35-44,second,secondary,employed_formal,157.07,10,excellent,0,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,32,25-34,second,secondary,self_employed,184.97,7,none,0,485,1,family_friends,2224.17,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2019,rural,male,21,18-24,middle,none,employed_informal,231.66,1,limited,1,650,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,male,42,35-44,lowest,primary,employed_informal,92.7,3,limited,1,166,1,sacco,1844.81,none,consumption,1,1595.65,0.319,18,116.93,late_30_days,not_applicable,low_burden
Senegal,2021,rural,male,69,55+,lowest,secondary,employed_informal,71.45,1,none,0,152,1,family_friends,5068.83,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Zambia,2018,rural,female,26,25-34,lowest,secondary,self_employed,44.45,10,none,1,303,1,informal_lender,1581.87,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2020,urban,female,30,25-34,fourth,primary,self_employed,570.98,7,limited,1,295,1,family_friends,8252.08,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Zambia,2024,urban,female,27,25-34,second,none,self_employed,127.04,7,good,0,330,1,family_friends,3131.78,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2020,rural,female,22,18-24,middle,secondary,employed_informal,53.04,6,limited,1,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,49,45-54,lowest,primary,employed_informal,133.81,5,good,1,850,1,family_friends,1699.67,guarantor,emergency,1,1563.85,0.054,24,68.68,late_30_days,not_applicable,low_burden
Kenya,2023,urban,female,33,25-34,lowest,secondary,self_employed,60.49,2,none,1,203,1,sacco,2126.83,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2019,rural,male,57,55+,middle,primary,farmer,220.81,8,excellent,1,196,1,commercial_bank,5166.35,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2020,urban,male,38,35-44,lowest,secondary,employed_formal,52.77,5,limited,1,305,1,digital_lender,6978.53,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2018,urban,male,51,45-54,middle,secondary,farmer,178.96,3,none,1,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,22,18-24,second,secondary,employed_informal,58.62,10,none,1,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,35,25-34,fourth,secondary,self_employed,640.42,1,none,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,rural,male,39,35-44,second,primary,farmer,278.98,10,none,0,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,male,21,18-24,fourth,primary,self_employed,500.93,1,excellent,1,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,urban,female,39,35-44,lowest,tertiary,self_employed,61.72,5,good,0,455,1,informal_lender,1647.07,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ethiopia,2019,urban,female,42,35-44,highest,primary,unemployed,302.83,2,none,1,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,female,38,35-44,second,secondary,employed_formal,315.8,5,none,0,83,1,microfinance,4754.14,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2021,urban,female,44,35-44,lowest,none,employed_informal,55.97,9,limited,1,345,1,sacco,4346.09,vehicle,education,1,3618.81,0.319,12,397.65,paid_off,not_applicable,low_burden
Ghana,2018,rural,female,59,55+,middle,secondary,unemployed,91.49,6,good,1,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,male,58,55+,lowest,primary,farmer,61.49,3,good,1,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,18,18-24,second,secondary,self_employed,96.01,3,none,1,0,1,microfinance,6639.81,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2024,urban,male,51,45-54,fourth,secondary,employed_informal,169.98,8,none,1,570,1,microfinance,2648.84,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2023,urban,male,65,55+,fourth,primary,employed_informal,187.13,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,63,55+,middle,primary,farmer,253.13,1,limited,0,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,34,25-34,highest,tertiary,farmer,625.99,8,none,1,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,58,55+,second,secondary,employed_informal,173.38,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,59,55+,lowest,tertiary,employed_informal,99.57,5,good,0,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,37,35-44,fourth,secondary,farmer,686.49,7,none,1,638,1,digital_lender,6212.72,none,agriculture,1,6119.08,0.452,6,1480.6,paid_off,not_applicable,low_burden
Senegal,2024,rural,female,63,55+,lowest,secondary,self_employed,33.64,6,excellent,1,719,1,family_friends,4024.95,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2020,rural,female,50,45-54,lowest,secondary,unemployed,70.9,5,good,0,276,1,microfinance,3757.73,guarantor,business,1,3299.27,0.363,12,374.79,current,not_applicable,low_burden
Malawi,2023,rural,male,57,55+,lowest,tertiary,self_employed,94.17,8,none,1,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,56,55+,second,secondary,employed_informal,78.25,10,none,0,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,58,55+,second,primary,employed_informal,398.36,10,limited,1,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,67,55+,second,secondary,self_employed,37.79,7,limited,1,268,1,digital_lender,4015.4,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2020,rural,female,62,55+,middle,tertiary,employed_informal,111.64,6,limited,0,122,1,microfinance,6681.73,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Rwanda,2021,rural,male,39,35-44,fourth,primary,employed_formal,100.06,8,good,0,433,1,informal_lender,4416.55,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2025,rural,female,47,45-54,highest,none,employed_informal,396.71,7,good,0,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,51,45-54,lowest,secondary,employed_informal,80.65,1,limited,1,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,62,55+,lowest,secondary,farmer,107.81,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,female,38,35-44,middle,primary,employed_informal,179.4,3,none,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,male,34,25-34,lowest,secondary,self_employed,59.24,6,limited,0,209,1,family_friends,2807.51,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2021,urban,female,56,55+,second,secondary,farmer,61.18,10,none,0,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,male,67,55+,middle,primary,employed_informal,127.54,5,good,0,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,65,55+,fourth,secondary,self_employed,409.71,6,none,0,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,male,25,18-24,lowest,primary,farmer,166.56,5,none,1,157,1,family_friends,2592.95,equipment,agriculture,1,2173.98,0.005,24,91.03,current,not_applicable,low_burden
Mozambique,2021,urban,female,65,55+,middle,secondary,self_employed,222.49,4,good,0,597,1,digital_lender,3758.66,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2023,urban,female,59,55+,middle,none,self_employed,696.47,7,limited,0,622,1,family_friends,6166.44,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2024,rural,male,26,25-34,highest,secondary,farmer,341.51,3,none,0,250,1,family_friends,10599.11,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,urban,male,18,18-24,second,primary,unemployed,137.68,5,limited,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,28,25-34,fourth,tertiary,farmer,397.03,2,limited,0,111,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,66,55+,fourth,secondary,self_employed,961.9,3,none,0,63,1,microfinance,8676.66,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2019,urban,male,57,55+,lowest,primary,self_employed,98.68,8,none,0,145,1,digital_lender,3522.33,none,consumption,1,2870.64,0.494,12,357.43,current,not_applicable,low_burden
Malawi,2021,rural,male,47,45-54,middle,tertiary,self_employed,56.79,1,limited,0,595,1,family_friends,1395.4,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2022,rural,male,50,45-54,fourth,primary,employed_informal,641.93,5,limited,0,470,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,male,39,35-44,second,secondary,self_employed,658.83,4,none,0,292,1,commercial_bank,13823.02,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2019,rural,female,65,55+,second,tertiary,farmer,101.85,10,none,0,416,1,informal_lender,2013.27,none,emergency,1,1624.7,0.809,24,122.44,current,not_applicable,low_burden
Zambia,2024,urban,female,26,25-34,second,tertiary,employed_informal,96.58,2,limited,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,female,34,25-34,fourth,secondary,unemployed,900.81,1,none,1,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,28,25-34,lowest,tertiary,unemployed,355.42,1,excellent,0,750,1,informal_lender,4421.43,guarantor,business,1,4107.57,0.755,12,600.66,current,not_applicable,low_burden
Malawi,2020,urban,male,62,55+,middle,primary,employed_informal,540.46,9,none,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,46,45-54,lowest,primary,employed_informal,28.85,6,limited,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,53,45-54,middle,none,unemployed,339.2,1,excellent,1,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,65,55+,fourth,primary,employed_informal,652.79,9,none,0,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,urban,female,28,25-34,middle,secondary,farmer,152.94,2,limited,1,708,1,microfinance,8224.64,none,business,1,7700.62,0.275,18,545.61,current,not_applicable,low_burden
Malawi,2022,rural,male,68,55+,middle,primary,employed_formal,492.99,10,none,0,122,1,informal_lender,10173.89,property,emergency,1,9479.1,0.807,24,713.76,late_30_days,not_applicable,low_burden
South Africa,2021,rural,female,24,18-24,second,secondary,employed_informal,164.87,3,limited,0,29,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,57,55+,second,none,employed_informal,454.31,2,excellent,0,633,1,microfinance,3474.26,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2024,urban,female,54,45-54,fourth,primary,employed_informal,233.99,2,excellent,0,741,1,digital_lender,2324.2,property,business,1,2005.38,0.469,24,122.74,late_30_days,not_applicable,low_burden
Nigeria,2018,urban,female,60,55+,lowest,secondary,unemployed,118.8,6,none,1,116,1,informal_lender,3001.02,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Tanzania,2020,urban,male,26,25-34,fourth,none,employed_informal,262.89,10,good,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,67,55+,middle,secondary,employed_informal,237.86,7,good,0,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,59,55+,highest,secondary,farmer,1867.54,9,none,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,female,23,18-24,second,secondary,unemployed,66.67,6,good,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,46,45-54,middle,tertiary,self_employed,114.44,4,none,0,611,1,informal_lender,2364.33,guarantor,business,1,2266.22,0.802,18,226.88,current,not_applicable,low_burden
Rwanda,2021,rural,male,60,55+,lowest,tertiary,farmer,117.58,8,excellent,0,850,1,informal_lender,1400.26,guarantor,business,1,1355.42,0.795,36,67.58,paid_off,not_applicable,low_burden
Ethiopia,2024,rural,male,42,35-44,highest,none,employed_formal,657.49,9,good,0,796,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,37,35-44,fourth,secondary,farmer,1116.78,2,limited,0,805,1,family_friends,5272.55,savings,business,1,4853.99,0.028,6,831.41,defaulted,not_applicable,low_burden
Uganda,2024,urban,female,32,25-34,middle,primary,farmer,169.56,6,none,0,206,1,microfinance,751.01,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2025,rural,female,44,35-44,fourth,primary,unemployed,341.77,1,excellent,0,244,1,microfinance,8882.35,guarantor,agriculture,1,8199.3,0.331,18,606.14,late_60_days,not_applicable,low_burden
Kenya,2025,rural,female,69,55+,second,secondary,self_employed,196.37,7,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,49,45-54,middle,secondary,unemployed,345.66,1,limited,0,476,1,informal_lender,8591.85,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2025,urban,female,55,45-54,fourth,secondary,self_employed,140.64,2,limited,0,352,1,commercial_bank,8448.42,guarantor,business,1,7083.91,0.22,12,720.05,current,not_applicable,low_burden
South Africa,2025,urban,male,58,55+,lowest,secondary,farmer,648.16,8,none,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,urban,male,58,55+,highest,secondary,farmer,1149.34,4,none,1,54,1,commercial_bank,10359.69,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2020,rural,male,38,35-44,highest,secondary,employed_informal,259.83,5,none,1,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,57,55+,highest,none,unemployed,827.37,1,excellent,0,816,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,35,25-34,fourth,none,farmer,445.29,1,good,0,274,1,family_friends,4385.3,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Malawi,2025,urban,male,48,45-54,second,secondary,farmer,362.88,10,good,1,850,1,family_friends,9772.98,vehicle,consumption,1,9495.61,0.042,48,206.18,current,not_applicable,low_burden
Tanzania,2025,urban,female,33,25-34,middle,secondary,self_employed,570.96,6,limited,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,66,55+,lowest,none,farmer,51.86,5,limited,1,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,male,55,45-54,fourth,primary,employed_informal,98.78,7,limited,1,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,48,45-54,lowest,primary,unemployed,124.12,4,limited,1,585,1,commercial_bank,2265.27,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2023,urban,female,41,35-44,highest,secondary,employed_formal,313.76,5,good,1,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,female,45,35-44,lowest,primary,self_employed,141.03,10,none,1,614,1,microfinance,1637.81,savings,agriculture,1,1337.96,0.34,18,99.57,current,not_applicable,low_burden
Rwanda,2020,rural,female,58,55+,lowest,primary,employed_formal,36.07,10,excellent,1,777,1,digital_lender,1941.79,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2020,rural,male,32,25-34,lowest,none,farmer,93.95,4,good,1,587,1,informal_lender,3954.41,savings,business,1,3798.08,0.752,18,369.62,current,not_applicable,low_burden
Ghana,2018,rural,female,61,55+,fourth,primary,self_employed,208.3,3,none,0,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,32,25-34,lowest,secondary,unemployed,42.69,1,excellent,1,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,25,18-24,lowest,tertiary,unemployed,34.39,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,male,56,55+,lowest,primary,self_employed,148.35,4,none,0,101,1,sacco,2275.49,none,business,1,2010.92,0.315,36,73.45,paid_off,not_applicable,low_burden
Ghana,2025,rural,female,54,45-54,second,secondary,farmer,78.52,3,none,0,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,35,25-34,highest,secondary,farmer,1137.16,7,limited,1,264,1,informal_lender,4451.39,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2022,urban,female,51,45-54,middle,secondary,self_employed,196.7,3,good,1,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,55,45-54,second,primary,employed_informal,103.16,5,none,0,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,58,55+,lowest,none,employed_informal,92.13,6,limited,1,57,1,family_friends,2387.75,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2025,urban,female,67,55+,lowest,tertiary,employed_formal,100.08,4,limited,0,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,62,55+,second,tertiary,self_employed,94.76,2,none,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,40,35-44,lowest,primary,self_employed,98.59,1,none,1,167,1,commercial_bank,4032.67,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2023,rural,female,29,25-34,lowest,secondary,self_employed,49.82,7,none,1,97,1,commercial_bank,2205.37,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Kenya,2022,rural,female,23,18-24,lowest,none,unemployed,88.15,3,good,0,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,male,47,45-54,second,none,employed_formal,119.94,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,52,45-54,fourth,none,farmer,497.12,8,limited,0,510,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,53,45-54,lowest,secondary,farmer,45.17,9,limited,0,79,1,family_friends,11264.56,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2021,rural,female,18,18-24,fourth,primary,farmer,189.73,2,excellent,0,328,1,commercial_bank,3764.27,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2022,urban,female,54,45-54,middle,primary,self_employed,402.27,2,excellent,1,583,1,commercial_bank,8645.86,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2019,rural,male,58,55+,highest,none,employed_informal,469.99,8,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,female,55,45-54,lowest,none,farmer,167.25,4,limited,1,338,1,informal_lender,1628.69,property,agriculture,1,1334.92,0.826,6,406.3,current,not_applicable,low_burden
Mali,2024,rural,male,45,35-44,fourth,primary,farmer,345.74,4,none,0,434,1,family_friends,7377.35,none,business,1,5992.48,0.084,12,541.42,current,not_applicable,low_burden
Kenya,2021,urban,male,18,18-24,highest,secondary,farmer,378.71,6,none,1,792,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,female,43,35-44,highest,secondary,employed_informal,440.76,1,limited,0,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,51,45-54,fourth,primary,self_employed,163.83,5,none,0,538,1,informal_lender,2919.46,guarantor,business,1,2912.74,0.804,12,437.81,current,not_applicable,low_burden
Mali,2023,urban,female,47,45-54,lowest,primary,self_employed,190.44,4,none,1,306,1,sacco,4068.03,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2024,rural,male,47,45-54,highest,secondary,self_employed,1141.15,9,none,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,urban,male,44,35-44,fourth,primary,farmer,471.34,8,none,0,210,1,informal_lender,16151.58,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2025,urban,female,46,45-54,lowest,primary,employed_informal,110.1,3,limited,0,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,34,25-34,lowest,tertiary,employed_informal,84.52,7,excellent,1,617,1,digital_lender,2370.2,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2020,rural,female,49,45-54,highest,secondary,employed_formal,1212.69,8,none,0,128,1,family_friends,3906.39,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2024,rural,female,32,25-34,lowest,primary,employed_informal,86.68,5,none,0,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,male,43,35-44,fourth,primary,employed_informal,802.96,8,limited,1,129,1,digital_lender,3637.91,none,agriculture,1,3324.35,0.457,6,807.07,late_30_days,not_applicable,low_burden
Rwanda,2020,rural,male,39,35-44,second,none,employed_formal,106.06,6,none,0,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,55,45-54,fourth,none,self_employed,316.15,6,good,1,481,1,microfinance,5553.02,guarantor,education,1,4935.96,0.284,18,352.06,paid_off,not_applicable,low_burden
DRC,2025,rural,female,64,55+,lowest,tertiary,farmer,95.95,5,none,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,50,45-54,fourth,secondary,farmer,976.77,7,none,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,25,18-24,middle,none,employed_informal,433.77,4,limited,1,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,52,45-54,highest,none,employed_formal,2009.17,10,limited,1,314,1,digital_lender,11250.82,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2024,rural,male,34,25-34,lowest,primary,farmer,67.47,4,limited,1,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,20,18-24,lowest,primary,self_employed,30.55,2,none,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,female,27,25-34,lowest,secondary,employed_informal,48.5,5,none,1,185,1,digital_lender,2493.96,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2019,urban,female,69,55+,lowest,primary,self_employed,236.04,3,none,0,18,1,informal_lender,2060.27,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2024,urban,male,40,35-44,highest,tertiary,unemployed,269.07,1,good,0,378,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,28,25-34,lowest,secondary,self_employed,172.72,10,none,1,628,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,male,24,18-24,lowest,tertiary,unemployed,34.71,1,none,0,3,1,digital_lender,7048.49,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2019,rural,male,51,45-54,fourth,tertiary,employed_informal,1267.36,1,limited,0,776,1,informal_lender,20983.8,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2021,urban,female,57,55+,lowest,tertiary,employed_formal,85.53,6,limited,1,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,male,36,35-44,lowest,tertiary,employed_informal,149.03,5,none,0,706,1,informal_lender,4012.32,none,consumption,1,3952.47,0.78,12,586.14,current,not_applicable,low_burden
Niger,2024,rural,male,23,18-24,fourth,primary,farmer,1750.84,2,excellent,0,680,1,microfinance,3981.04,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2021,rural,female,36,35-44,second,primary,self_employed,96.28,7,limited,1,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,female,52,45-54,fourth,none,self_employed,385.86,7,good,0,795,1,sacco,14023.68,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Malawi,2018,urban,male,23,18-24,middle,secondary,unemployed,183.45,4,none,0,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,urban,female,31,25-34,second,secondary,self_employed,89.75,5,limited,0,477,1,microfinance,6002.68,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2025,rural,male,18,18-24,middle,none,employed_formal,158.77,10,none,1,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,female,42,35-44,highest,secondary,farmer,671.78,7,none,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,26,25-34,second,secondary,employed_informal,75.42,10,none,1,169,1,commercial_bank,3013.39,none,consumption,1,2689.77,0.197,12,268.25,defaulted,not_applicable,low_burden
DRC,2021,rural,female,28,25-34,fourth,secondary,self_employed,284.57,1,none,0,373,1,informal_lender,9854.31,guarantor,asset_purchase,1,9552.76,0.827,6,2908.32,current,not_applicable,low_burden
Mozambique,2021,urban,male,23,18-24,second,primary,farmer,247.94,7,good,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,55,45-54,middle,none,self_employed,159.36,4,good,0,629,1,family_friends,2832.71,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2022,urban,female,43,35-44,fourth,secondary,employed_informal,439.05,2,none,0,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,male,67,55+,lowest,none,self_employed,161.24,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,38,35-44,second,secondary,employed_informal,67.0,2,none,1,152,1,sacco,1519.65,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2019,urban,male,29,25-34,lowest,primary,employed_informal,347.4,1,limited,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,28,25-34,fourth,primary,self_employed,306.89,5,none,1,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,67,55+,middle,primary,employed_informal,230.2,8,good,1,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,48,45-54,second,secondary,employed_formal,297.0,8,none,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,female,34,25-34,lowest,primary,self_employed,272.42,2,limited,0,206,1,family_friends,5184.54,vehicle,education,1,5032.83,0.008,6,845.68,current,not_applicable,low_burden
DRC,2025,urban,male,52,45-54,highest,tertiary,self_employed,1376.35,8,good,1,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,47,45-54,second,none,self_employed,111.29,2,none,0,0,1,informal_lender,1301.67,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2022,rural,female,23,18-24,second,tertiary,unemployed,70.13,5,good,1,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,54,45-54,lowest,none,employed_formal,40.28,7,good,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,male,24,18-24,middle,primary,employed_informal,750.54,1,limited,0,636,1,family_friends,3631.43,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2021,urban,female,28,25-34,second,tertiary,unemployed,138.4,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,55,45-54,fourth,secondary,employed_informal,413.58,9,limited,0,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,male,41,35-44,fourth,secondary,unemployed,158.81,6,none,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,29,25-34,lowest,secondary,farmer,40.0,5,excellent,0,200,1,family_friends,3060.58,vehicle,agriculture,1,2907.59,0.096,12,265.58,current,not_applicable,low_burden
DRC,2025,urban,female,21,18-24,middle,primary,self_employed,303.93,10,limited,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,urban,female,48,45-54,lowest,secondary,employed_informal,71.59,3,good,1,418,1,digital_lender,3205.25,none,emergency,1,2625.17,0.495,18,218.09,current,not_applicable,low_burden
South Africa,2018,rural,female,54,45-54,lowest,none,self_employed,50.51,5,limited,0,781,1,family_friends,1056.06,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,rural,male,28,25-34,middle,secondary,farmer,71.02,5,none,0,322,1,sacco,2164.6,savings,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2022,rural,female,39,35-44,lowest,tertiary,employed_formal,57.22,6,limited,0,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,35,25-34,highest,tertiary,farmer,1964.13,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,64,55+,middle,secondary,farmer,164.22,5,none,0,521,1,informal_lender,1727.92,property,business,1,1712.24,0.769,12,252.38,current,not_applicable,low_burden
Senegal,2020,urban,male,59,55+,lowest,secondary,farmer,168.43,7,none,1,366,1,digital_lender,2905.74,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2022,urban,male,32,25-34,highest,secondary,employed_formal,87.64,8,excellent,0,815,1,microfinance,2100.07,guarantor,agriculture,1,1943.53,0.275,36,68.81,current,not_applicable,low_burden
Uganda,2022,rural,female,44,35-44,middle,primary,farmer,114.05,2,none,1,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,66,55+,lowest,tertiary,farmer,15.82,5,good,1,675,1,commercial_bank,2804.24,none,housing,1,2472.5,0.164,12,239.85,late_30_days,not_applicable,low_burden
Nigeria,2020,urban,female,35,25-34,middle,secondary,employed_formal,708.86,10,none,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,female,25,18-24,highest,primary,unemployed,1832.55,1,good,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,male,33,25-34,second,secondary,employed_informal,58.81,10,limited,0,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,49,45-54,second,none,unemployed,148.53,1,none,1,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,female,69,55+,second,secondary,employed_formal,281.33,4,none,0,352,1,informal_lender,4349.23,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2022,urban,male,34,25-34,second,secondary,employed_informal,467.95,2,none,1,1,1,microfinance,5058.62,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2019,rural,female,21,18-24,lowest,primary,farmer,45.34,3,limited,1,292,1,family_friends,1832.76,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2022,rural,female,27,25-34,middle,none,employed_informal,42.61,4,none,1,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,male,39,35-44,highest,secondary,employed_informal,354.02,9,none,1,451,1,digital_lender,1865.15,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2021,rural,female,22,18-24,fourth,primary,employed_formal,563.75,9,limited,0,257,1,commercial_bank,5943.06,guarantor,business,1,5665.45,0.226,12,578.76,late_60_days,not_applicable,low_burden
Ghana,2024,rural,female,19,18-24,lowest,tertiary,farmer,261.79,7,excellent,1,175,1,microfinance,6203.37,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2024,rural,male,52,45-54,second,none,employed_formal,116.78,10,none,1,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,60,55+,lowest,primary,self_employed,39.39,2,limited,1,296,1,digital_lender,2522.51,vehicle,emergency,1,2055.31,0.444,12,247.37,late_30_days,not_applicable,low_burden
Nigeria,2023,urban,female,30,25-34,second,none,self_employed,970.56,3,good,1,850,1,digital_lender,11869.6,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2018,urban,female,45,35-44,middle,secondary,self_employed,396.36,10,limited,0,37,1,informal_lender,8546.89,none,education,1,7142.61,0.781,12,1060.3,current,not_applicable,low_burden
Ethiopia,2020,rural,male,47,45-54,second,secondary,self_employed,51.36,8,excellent,0,731,1,microfinance,9106.33,guarantor,business,1,8519.19,0.359,48,241.28,late_30_days,not_applicable,low_burden
Uganda,2023,rural,male,52,45-54,fourth,secondary,employed_informal,303.41,1,limited,1,325,1,family_friends,2501.67,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2024,urban,male,68,55+,middle,tertiary,unemployed,600.8,1,limited,1,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,female,64,55+,middle,secondary,farmer,284.02,4,good,0,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,female,34,25-34,highest,primary,unemployed,1157.91,1,none,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,68,55+,fourth,none,farmer,107.21,6,limited,0,63,1,informal_lender,3748.38,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2019,rural,male,19,18-24,highest,tertiary,farmer,243.32,7,limited,0,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,68,55+,fourth,primary,unemployed,197.14,1,none,0,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,25,18-24,middle,tertiary,self_employed,164.15,3,limited,0,723,1,microfinance,4747.73,guarantor,agriculture,1,4395.98,0.283,24,235.08,paid_off,not_applicable,low_burden
South Africa,2023,rural,female,23,18-24,second,tertiary,unemployed,153.25,1,good,1,285,1,commercial_bank,3096.92,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2020,urban,female,24,18-24,second,secondary,employed_formal,282.6,10,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,female,24,18-24,highest,secondary,employed_formal,5566.92,10,none,0,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,42,35-44,lowest,tertiary,self_employed,35.92,10,none,0,168,1,family_friends,1448.99,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2020,urban,female,51,45-54,highest,secondary,self_employed,795.15,6,none,0,1,1,informal_lender,9757.43,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2019,rural,female,56,55+,second,secondary,self_employed,73.76,2,limited,1,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,rural,female,18,18-24,fourth,primary,self_employed,701.97,1,none,0,369,1,sacco,8764.02,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
South Africa,2023,rural,male,33,25-34,second,primary,self_employed,268.29,2,none,1,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,urban,female,24,18-24,highest,primary,unemployed,724.12,2,none,1,29,1,sacco,3704.48,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2020,rural,male,25,18-24,lowest,tertiary,employed_informal,255.79,3,good,1,314,1,family_friends,1564.54,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2021,urban,male,56,55+,second,secondary,employed_informal,110.18,4,good,0,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,male,51,45-54,highest,secondary,farmer,1365.48,10,none,1,28,1,microfinance,6685.15,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
South Africa,2019,urban,male,28,25-34,second,none,self_employed,500.94,1,none,1,207,1,microfinance,4015.59,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2025,rural,male,33,25-34,second,tertiary,farmer,46.77,1,none,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,66,55+,highest,primary,employed_informal,994.92,4,none,1,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,female,47,45-54,fourth,secondary,employed_formal,73.02,10,limited,1,352,1,commercial_bank,4015.83,none,agriculture,1,3633.84,0.224,12,370.69,paid_off,not_applicable,low_burden
Ethiopia,2018,urban,male,30,25-34,lowest,none,unemployed,160.01,5,limited,0,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,female,66,55+,middle,tertiary,employed_formal,92.5,6,limited,1,205,1,commercial_bank,1764.1,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2019,urban,female,28,25-34,lowest,secondary,farmer,133.69,3,good,1,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,female,33,25-34,lowest,primary,employed_informal,152.45,6,good,1,90,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,male,54,45-54,middle,primary,self_employed,438.09,9,none,1,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,44,35-44,lowest,primary,farmer,112.33,2,limited,1,8,1,family_friends,2981.47,savings,consumption,1,2787.44,0.081,48,62.77,current,not_applicable,low_burden
Tanzania,2019,rural,female,21,18-24,second,primary,self_employed,126.15,9,none,0,0,1,microfinance,1247.13,equipment,agriculture,1,1234.63,0.308,18,89.74,current,not_applicable,low_burden
Zambia,2019,urban,female,59,55+,second,none,employed_informal,138.65,9,limited,1,786,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,29,25-34,highest,primary,farmer,630.33,3,none,0,843,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,53,45-54,middle,primary,employed_formal,91.57,10,none,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,35,25-34,lowest,primary,employed_informal,51.94,7,none,0,0,1,microfinance,964.29,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2018,urban,female,57,55+,highest,secondary,self_employed,808.22,1,none,0,594,1,microfinance,4588.66,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2025,urban,female,64,55+,fourth,primary,self_employed,283.32,5,none,1,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,urban,female,58,55+,second,none,self_employed,53.49,3,limited,0,668,1,microfinance,2129.18,none,agriculture,1,1758.83,0.349,24,98.84,late_30_days,not_applicable,low_burden
Kenya,2025,rural,female,65,55+,highest,tertiary,self_employed,271.64,1,none,1,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,female,46,45-54,second,primary,self_employed,19.95,5,excellent,1,740,1,microfinance,1032.33,none,asset_purchase,1,896.65,0.346,12,100.55,current,not_applicable,low_burden
DRC,2024,rural,female,21,18-24,second,secondary,employed_informal,97.79,8,none,1,276,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,female,45,35-44,second,tertiary,unemployed,232.91,2,excellent,0,202,1,family_friends,4828.2,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2023,urban,female,41,35-44,lowest,secondary,employed_formal,13.74,4,none,1,601,1,commercial_bank,528.56,equipment,housing,1,453.87,0.188,12,44.93,defaulted,not_applicable,low_burden
Tanzania,2022,urban,male,55,45-54,fourth,secondary,unemployed,580.57,5,none,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,30,25-34,middle,secondary,self_employed,183.57,1,none,0,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,female,54,45-54,highest,secondary,self_employed,291.37,4,none,0,364,1,microfinance,4259.03,none,business,1,4203.85,0.348,12,472.28,current,not_applicable,low_burden
Ethiopia,2023,urban,female,40,35-44,lowest,secondary,farmer,66.45,6,none,0,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,male,52,45-54,lowest,none,self_employed,187.52,10,limited,0,385,1,informal_lender,3598.28,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2022,urban,female,39,35-44,second,secondary,self_employed,91.5,8,none,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,37,35-44,lowest,tertiary,unemployed,63.66,1,none,0,654,1,family_friends,1111.58,savings,agriculture,1,930.89,0.05,12,81.45,current,not_applicable,low_burden
Kenya,2018,urban,male,29,25-34,highest,secondary,farmer,1262.61,5,none,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,61,55+,fourth,none,self_employed,185.45,9,limited,0,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,21,18-24,fourth,primary,farmer,996.36,3,none,1,134,1,family_friends,9078.69,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2025,urban,female,30,25-34,fourth,secondary,self_employed,652.63,10,none,0,166,1,employer,1819.3,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2020,rural,female,40,35-44,lowest,primary,farmer,50.5,6,none,1,35,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,female,26,25-34,lowest,secondary,employed_informal,315.0,7,limited,1,727,1,commercial_bank,3313.59,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2020,urban,male,65,55+,second,primary,employed_formal,367.65,10,limited,1,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,35,25-34,fourth,primary,self_employed,101.29,10,limited,0,442,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,urban,female,30,25-34,second,primary,employed_informal,137.81,7,limited,1,605,1,digital_lender,5769.59,savings,debt_consolidation,1,5040.07,0.484,48,155.85,defaulted,not_applicable,low_burden
Zambia,2023,urban,female,31,25-34,lowest,tertiary,farmer,505.21,5,none,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,male,27,25-34,middle,tertiary,employed_formal,150.02,9,limited,1,847,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,52,45-54,lowest,secondary,employed_formal,63.1,10,limited,0,812,1,informal_lender,694.9,guarantor,business,1,681.81,0.829,6,207.88,current,not_applicable,low_burden
Senegal,2018,rural,female,43,35-44,middle,tertiary,farmer,473.43,6,good,0,717,1,commercial_bank,8796.11,equipment,housing,1,8215.64,0.221,6,1671.38,current,not_applicable,low_burden
Niger,2019,urban,male,30,25-34,lowest,tertiary,self_employed,141.87,1,none,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,female,63,55+,middle,primary,unemployed,349.27,6,limited,1,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,female,52,45-54,second,none,employed_informal,203.29,3,limited,1,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,male,38,35-44,highest,secondary,employed_informal,675.93,7,limited,1,463,1,digital_lender,3367.99,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2019,rural,male,44,35-44,fourth,secondary,employed_formal,189.37,9,limited,0,180,1,family_friends,2863.86,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2018,rural,female,52,45-54,lowest,primary,self_employed,81.67,2,good,0,850,1,family_friends,6798.61,equipment,asset_purchase,1,5481.26,0.08,18,328.8,defaulted,not_applicable,low_burden
Mali,2024,rural,female,25,18-24,fourth,tertiary,employed_formal,248.73,10,none,1,618,1,commercial_bank,3123.17,none,emergency,1,3098.32,0.222,18,210.36,current,not_applicable,low_burden
Zambia,2025,urban,female,60,55+,fourth,primary,farmer,351.21,1,none,0,14,1,digital_lender,13746.7,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2019,rural,male,31,25-34,middle,tertiary,employed_formal,564.56,10,none,1,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,19,18-24,highest,secondary,unemployed,508.58,6,none,0,750,1,informal_lender,5038.59,guarantor,housing,1,4091.48,0.768,18,401.83,current,not_applicable,low_burden
Senegal,2022,rural,male,45,35-44,fourth,none,self_employed,1088.56,6,limited,0,588,1,microfinance,7795.1,none,consumption,1,7049.73,0.298,12,762.39,current,not_applicable,low_burden
Tanzania,2022,rural,female,63,55+,lowest,tertiary,farmer,72.1,10,limited,0,410,1,microfinance,4613.28,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2025,urban,female,56,55+,second,secondary,employed_informal,161.89,9,limited,0,40,1,family_friends,5314.94,equipment,asset_purchase,1,4509.34,0.045,12,392.78,current,not_applicable,low_burden
Malawi,2021,rural,male,34,25-34,second,secondary,employed_formal,33.99,10,limited,0,422,1,microfinance,2273.49,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2018,urban,female,38,35-44,middle,secondary,self_employed,1315.82,8,limited,1,472,1,commercial_bank,6699.61,none,agriculture,1,6206.34,0.154,6,1193.98,current,not_applicable,low_burden
Tanzania,2021,rural,female,48,45-54,highest,primary,self_employed,661.25,10,none,1,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,male,30,25-34,middle,primary,self_employed,60.87,8,none,0,85,1,microfinance,1026.71,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mali,2022,urban,female,60,55+,second,none,employed_informal,361.31,9,none,1,75,1,commercial_bank,2143.71,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2022,rural,female,33,25-34,highest,none,employed_informal,641.1,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,29,25-34,fourth,primary,unemployed,171.81,1,none,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,male,22,18-24,second,secondary,employed_informal,232.79,5,none,1,377,1,commercial_bank,9742.75,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2020,rural,female,54,45-54,highest,none,employed_informal,111.52,10,none,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,male,19,18-24,second,secondary,self_employed,109.78,5,limited,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,rural,female,59,55+,middle,primary,employed_informal,162.18,5,good,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,female,68,55+,middle,primary,self_employed,541.77,8,good,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,23,18-24,highest,tertiary,self_employed,3185.91,7,none,1,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,23,18-24,second,tertiary,self_employed,102.2,6,limited,1,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,66,55+,second,secondary,farmer,249.7,10,none,1,51,1,digital_lender,12631.91,property,education,1,10822.06,0.49,24,671.72,current,not_applicable,low_burden
Kenya,2023,rural,male,24,18-24,middle,none,employed_informal,1369.48,9,good,0,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,female,39,35-44,highest,secondary,employed_formal,666.23,10,none,0,555,1,family_friends,7285.26,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2024,urban,female,63,55+,lowest,none,farmer,124.72,10,none,0,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,25,18-24,lowest,secondary,employed_informal,25.33,1,limited,1,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,male,52,45-54,highest,tertiary,employed_informal,2616.87,6,none,1,520,1,commercial_bank,4017.6,savings,business,1,3871.02,0.148,12,370.32,current,not_applicable,low_burden
South Africa,2019,urban,male,37,35-44,fourth,primary,self_employed,298.64,1,excellent,1,623,1,sacco,3078.73,guarantor,education,1,2811.0,0.316,36,102.75,paid_off,not_applicable,low_burden
Malawi,2021,rural,male,40,35-44,second,tertiary,farmer,146.4,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,66,55+,second,secondary,employed_informal,214.11,2,excellent,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,urban,female,51,45-54,second,primary,unemployed,192.11,2,none,0,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,34,25-34,fourth,none,employed_informal,243.3,8,none,1,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,male,66,55+,middle,secondary,unemployed,353.27,3,limited,0,251,1,microfinance,3195.51,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2023,urban,male,48,45-54,fourth,primary,employed_informal,1683.21,1,limited,0,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,23,18-24,lowest,none,farmer,297.37,5,good,0,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,38,35-44,fourth,none,self_employed,435.16,8,limited,0,260,1,microfinance,4073.86,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2022,rural,male,30,25-34,lowest,tertiary,farmer,43.98,10,limited,0,399,1,family_friends,1347.84,property,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2018,rural,male,51,45-54,highest,primary,self_employed,376.98,9,none,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,urban,female,62,55+,lowest,tertiary,unemployed,589.11,5,excellent,1,169,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,female,20,18-24,lowest,secondary,farmer,65.92,4,limited,1,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,male,58,55+,lowest,primary,self_employed,196.14,8,limited,1,176,1,family_friends,5656.37,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2022,rural,female,65,55+,lowest,primary,employed_informal,98.1,2,good,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,male,69,55+,second,secondary,employed_informal,849.12,4,none,0,461,1,sacco,8614.43,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2024,rural,male,52,45-54,middle,primary,unemployed,168.16,1,good,0,261,1,family_friends,10046.59,property,asset_purchase,1,8665.99,0.052,12,759.84,late_60_days,not_applicable,low_burden
Ghana,2019,urban,male,34,25-34,highest,none,unemployed,456.4,1,limited,1,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,male,25,18-24,middle,primary,employed_informal,735.05,9,good,1,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,67,55+,middle,tertiary,employed_informal,561.51,9,limited,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,39,35-44,second,secondary,employed_formal,249.07,10,limited,1,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,35,25-34,fourth,secondary,employed_informal,965.8,10,good,1,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,56,55+,lowest,primary,employed_informal,86.28,1,limited,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,55,45-54,second,primary,farmer,364.03,10,none,0,328,1,digital_lender,4192.75,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2025,urban,female,60,55+,lowest,secondary,employed_formal,106.8,10,limited,1,839,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,male,63,55+,lowest,none,unemployed,168.96,4,limited,0,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,63,55+,middle,tertiary,unemployed,431.29,1,good,0,804,1,family_friends,6389.17,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,urban,female,26,25-34,lowest,tertiary,employed_informal,71.57,8,good,0,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,26,25-34,lowest,primary,self_employed,52.17,7,none,0,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,28,25-34,fourth,tertiary,self_employed,250.46,1,none,0,185,1,informal_lender,7116.74,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2019,rural,female,50,45-54,lowest,secondary,employed_informal,72.54,3,none,1,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,48,45-54,middle,secondary,farmer,216.86,8,limited,1,663,1,sacco,7951.8,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2024,urban,female,62,55+,second,none,self_employed,245.54,2,good,1,219,1,informal_lender,2157.42,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2020,rural,female,61,55+,highest,tertiary,employed_formal,879.76,7,limited,1,213,1,digital_lender,9602.98,property,agriculture,1,9344.88,0.487,36,386.07,late_60_days,not_applicable,low_burden
Tanzania,2021,urban,male,60,55+,fourth,primary,unemployed,567.89,3,good,1,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,female,22,18-24,lowest,secondary,employed_informal,70.39,9,limited,0,803,1,employer,3010.55,guarantor,consumption,1,2876.42,0.026,36,81.97,late_30_days,not_applicable,low_burden
Kenya,2019,urban,female,54,45-54,highest,primary,employed_informal,666.48,3,limited,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,female,62,55+,second,primary,unemployed,148.55,1,excellent,0,611,1,digital_lender,4444.15,property,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2024,rural,male,69,55+,second,tertiary,employed_formal,37.67,10,none,0,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,35,25-34,fourth,primary,employed_formal,452.33,10,none,0,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,58,55+,fourth,none,employed_informal,165.38,9,none,0,665,1,employer,4008.21,none,education,1,3601.89,0.097,18,219.51,late_60_days,not_applicable,low_burden
Mali,2021,urban,male,39,35-44,second,secondary,employed_informal,194.07,5,none,1,731,1,informal_lender,11518.07,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2025,urban,female,26,25-34,second,primary,self_employed,109.75,8,limited,1,229,1,microfinance,1925.62,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2018,urban,male,35,25-34,lowest,tertiary,farmer,21.39,2,none,1,123,1,microfinance,980.46,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2025,urban,female,31,25-34,middle,tertiary,self_employed,1443.79,7,limited,0,786,1,family_friends,5610.04,equipment,business,1,5039.18,0.029,24,216.1,current,not_applicable,low_burden
Ghana,2019,rural,female,65,55+,highest,none,self_employed,564.71,7,none,1,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,urban,female,27,25-34,second,secondary,employed_formal,498.33,10,none,1,179,1,sacco,5043.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2023,rural,male,24,18-24,highest,tertiary,self_employed,459.17,7,none,0,289,1,digital_lender,6927.39,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2022,rural,female,48,45-54,lowest,tertiary,unemployed,197.75,5,good,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,female,47,45-54,fourth,secondary,farmer,219.67,8,limited,0,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,47,45-54,highest,secondary,farmer,1120.51,1,good,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,male,25,18-24,fourth,secondary,employed_informal,229.0,8,limited,1,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,female,43,35-44,lowest,primary,self_employed,371.98,8,none,0,461,1,commercial_bank,4062.41,none,agriculture,1,3630.07,0.146,6,693.52,paid_off,not_applicable,low_burden
Niger,2025,rural,male,66,55+,second,secondary,farmer,101.88,6,limited,1,10,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,22,18-24,lowest,primary,unemployed,160.49,3,none,1,0,1,commercial_bank,6989.57,guarantor,consumption,1,6346.63,0.155,6,1222.1,late_30_days,not_applicable,low_burden
Ghana,2024,rural,male,59,55+,middle,primary,farmer,274.16,1,none,0,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,male,24,18-24,highest,primary,self_employed,652.27,3,limited,1,775,1,commercial_bank,6669.51,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2024,urban,female,30,25-34,second,tertiary,employed_formal,260.01,10,good,0,756,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,64,55+,lowest,primary,employed_formal,232.7,4,good,0,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,rural,female,33,25-34,second,primary,employed_formal,193.65,10,none,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,female,45,35-44,middle,none,self_employed,334.3,3,limited,1,287,1,commercial_bank,4830.92,none,emergency,1,4693.88,0.218,24,238.24,late_30_days,not_applicable,low_burden
Kenya,2023,urban,male,37,35-44,middle,none,employed_formal,429.17,10,limited,1,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,49,45-54,lowest,tertiary,self_employed,343.38,3,good,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,male,39,35-44,fourth,primary,self_employed,246.3,1,excellent,1,850,1,digital_lender,2040.0,savings,housing,1,1662.1,0.415,6,392.04,current,not_applicable,low_burden
DRC,2021,rural,female,41,35-44,lowest,primary,self_employed,16.45,7,limited,1,452,1,microfinance,4680.22,guarantor,consumption,1,4107.76,0.273,24,217.92,late_60_days,not_applicable,low_burden
Niger,2023,urban,female,60,55+,middle,tertiary,self_employed,138.49,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,46,45-54,second,none,employed_informal,59.31,1,good,0,609,1,microfinance,2504.78,guarantor,business,1,2379.61,0.299,12,257.62,current,not_applicable,low_burden
Nigeria,2025,rural,female,47,45-54,lowest,primary,self_employed,32.51,3,limited,1,626,1,commercial_bank,5440.14,savings,business,1,5401.03,0.184,12,533.11,late_60_days,not_applicable,low_burden
Rwanda,2022,urban,male,59,55+,middle,secondary,unemployed,164.92,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,40,35-44,fourth,secondary,self_employed,324.34,10,limited,0,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,60,55+,second,primary,unemployed,215.19,1,excellent,1,850,1,commercial_bank,2956.34,savings,education,1,2455.63,0.166,12,238.54,defaulted,not_applicable,low_burden
Nigeria,2020,urban,male,55,45-54,fourth,secondary,self_employed,580.56,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,63,55+,middle,secondary,self_employed,119.96,10,limited,1,621,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,41,35-44,second,secondary,self_employed,243.24,1,none,1,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,urban,female,47,45-54,highest,primary,farmer,1440.05,5,limited,1,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,female,24,18-24,highest,secondary,unemployed,2008.68,1,excellent,1,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,23,18-24,lowest,secondary,self_employed,108.97,3,limited,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,23,18-24,highest,secondary,farmer,775.61,8,limited,1,263,1,sacco,11789.39,guarantor,agriculture,1,9534.01,0.286,36,340.6,current,not_applicable,low_burden
DRC,2018,rural,female,50,45-54,fourth,tertiary,unemployed,822.34,1,none,1,368,1,microfinance,5231.14,none,emergency,1,5027.23,0.306,24,273.65,current,not_applicable,low_burden
Kenya,2023,rural,male,34,25-34,lowest,tertiary,farmer,72.95,7,none,0,504,1,family_friends,8328.26,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Nigeria,2018,urban,female,33,25-34,middle,secondary,employed_formal,521.6,9,limited,0,745,1,informal_lender,11975.26,vehicle,agriculture,1,11904.39,0.819,24,902.38,paid_off,not_applicable,low_burden
Uganda,2024,rural,male,49,45-54,lowest,primary,employed_formal,99.75,10,none,1,375,1,digital_lender,5267.8,none,business,1,4967.21,0.444,24,298.78,current,not_applicable,low_burden
Niger,2024,urban,female,38,35-44,middle,none,unemployed,273.5,1,none,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,25,18-24,highest,secondary,farmer,1064.87,4,limited,0,850,1,digital_lender,5262.69,guarantor,business,1,4793.31,0.457,24,291.05,late_60_days,not_applicable,low_burden
Zambia,2020,rural,female,46,45-54,second,none,unemployed,110.65,1,limited,0,29,1,family_friends,10350.03,savings,agriculture,1,8763.13,0.095,12,799.42,current,not_applicable,low_burden
Ghana,2019,rural,female,46,45-54,middle,secondary,employed_informal,110.09,9,none,1,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,25,18-24,lowest,secondary,farmer,13.42,10,none,1,731,1,digital_lender,4939.14,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2024,rural,female,32,25-34,middle,secondary,farmer,123.06,5,none,1,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,30,25-34,fourth,none,farmer,379.07,6,limited,0,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,male,54,45-54,lowest,tertiary,farmer,192.14,2,good,0,848,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,female,30,25-34,middle,secondary,employed_informal,349.15,9,none,0,401,1,employer,4147.12,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2018,rural,female,19,18-24,second,secondary,farmer,99.74,8,none,1,586,1,digital_lender,3486.42,savings,business,1,3457.39,0.475,36,141.64,current,not_applicable,low_burden
Zambia,2019,rural,female,31,25-34,fourth,secondary,self_employed,204.83,2,good,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,male,42,35-44,fourth,none,employed_informal,290.73,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,58,55+,fourth,secondary,employed_informal,248.59,2,limited,0,72,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,male,20,18-24,second,none,unemployed,41.17,2,none,0,57,1,family_friends,3894.6,equipment,consumption,1,3678.27,0.08,12,331.16,paid_off,not_applicable,low_burden
Zambia,2023,urban,female,63,55+,middle,secondary,employed_informal,101.16,7,good,1,696,1,informal_lender,974.5,savings,consumption,1,914.88,0.779,18,90.41,late_30_days,not_applicable,low_burden
Rwanda,2023,urban,male,35,25-34,middle,none,self_employed,781.05,4,limited,1,341,1,family_friends,14284.02,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2022,rural,male,35,25-34,fourth,primary,self_employed,1210.05,5,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,male,18,18-24,middle,primary,unemployed,339.03,4,none,1,182,1,sacco,9513.06,none,business,1,9288.47,0.321,24,511.31,current,not_applicable,low_burden
Mozambique,2018,urban,male,32,25-34,highest,none,farmer,951.09,2,none,0,673,1,sacco,5542.42,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2020,urban,female,42,35-44,lowest,tertiary,employed_informal,33.89,1,none,0,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,50,45-54,lowest,secondary,employed_formal,53.81,8,none,0,178,1,informal_lender,665.67,guarantor,housing,1,649.12,0.784,24,48.26,late_30_days,not_applicable,low_burden
DRC,2019,urban,female,57,55+,highest,none,employed_informal,1520.21,5,limited,1,546,1,family_friends,11446.31,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,rural,female,45,35-44,lowest,none,employed_informal,107.69,3,good,0,536,1,employer,1652.1,vehicle,housing,1,1348.34,0.048,18,78.54,current,not_applicable,low_burden
Ghana,2018,urban,male,23,18-24,highest,secondary,farmer,1604.37,5,none,1,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,38,35-44,middle,none,self_employed,695.77,2,none,0,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,56,55+,highest,primary,employed_formal,3859.85,10,good,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,51,45-54,middle,none,farmer,150.63,8,none,0,559,1,family_friends,1436.91,none,consumption,1,1155.27,0.011,18,64.9,current,not_applicable,low_burden
Malawi,2023,urban,female,48,45-54,fourth,secondary,employed_formal,3505.32,6,limited,0,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,44,35-44,fourth,tertiary,employed_formal,80.19,10,good,0,104,1,informal_lender,3625.46,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2020,urban,female,44,35-44,middle,none,self_employed,173.04,3,limited,0,61,1,family_friends,8682.69,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2020,urban,male,69,55+,second,tertiary,employed_formal,208.16,7,limited,0,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,49,45-54,lowest,tertiary,employed_informal,88.47,4,excellent,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,male,49,45-54,second,tertiary,unemployed,159.36,6,none,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,female,35,25-34,highest,secondary,farmer,700.14,5,none,0,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,43,35-44,second,tertiary,farmer,566.87,7,none,1,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,female,54,45-54,fourth,secondary,farmer,225.39,3,none,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,urban,male,62,55+,middle,tertiary,employed_formal,146.17,10,none,1,620,1,microfinance,3228.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2022,urban,female,58,55+,second,none,farmer,591.05,7,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,male,52,45-54,highest,secondary,self_employed,1203.18,2,limited,0,690,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,58,55+,lowest,secondary,employed_formal,129.62,7,none,0,207,1,family_friends,7148.18,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2021,rural,male,19,18-24,middle,none,employed_informal,229.39,6,good,1,677,1,microfinance,6561.67,none,agriculture,1,5541.59,0.322,12,610.43,late_30_days,not_applicable,low_burden
Rwanda,2021,rural,male,32,25-34,second,primary,self_employed,46.3,5,none,0,605,1,digital_lender,1025.87,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2022,rural,female,30,25-34,lowest,primary,employed_formal,63.91,10,limited,1,777,1,microfinance,1903.34,guarantor,agriculture,1,1869.19,0.323,6,412.03,paid_off,not_applicable,low_burden
Ghana,2024,urban,male,52,45-54,lowest,primary,employed_informal,31.15,6,none,0,437,1,digital_lender,3828.79,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2023,urban,male,57,55+,fourth,primary,employed_informal,582.85,6,none,1,641,1,microfinance,4560.14,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2018,rural,female,25,18-24,lowest,primary,self_employed,95.17,4,limited,1,690,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,28,25-34,fourth,primary,employed_formal,700.02,10,none,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,43,35-44,middle,secondary,self_employed,187.48,8,limited,1,456,1,digital_lender,6645.25,none,housing,1,6025.45,0.457,18,487.89,late_30_days,not_applicable,low_burden
DRC,2019,rural,male,68,55+,lowest,none,employed_informal,101.7,8,limited,0,370,1,sacco,2492.96,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2025,urban,female,18,18-24,second,primary,self_employed,96.12,7,limited,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,63,55+,lowest,primary,employed_informal,118.51,7,limited,1,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,male,28,25-34,fourth,primary,self_employed,528.75,8,good,0,529,1,family_friends,9474.18,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2018,rural,female,31,25-34,middle,none,self_employed,114.22,3,none,0,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,50,45-54,lowest,tertiary,farmer,87.32,6,excellent,0,632,1,microfinance,3883.35,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2022,rural,female,55,45-54,middle,primary,employed_formal,428.86,5,none,1,452,1,commercial_bank,4870.8,none,education,1,4527.43,0.153,18,290.12,current,not_applicable,low_burden
Kenya,2023,urban,female,63,55+,middle,primary,self_employed,315.25,4,limited,0,586,1,sacco,7578.39,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2024,rural,female,18,18-24,middle,secondary,farmer,112.46,3,good,0,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,20,18-24,lowest,tertiary,employed_informal,68.22,3,none,0,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,42,35-44,lowest,primary,self_employed,88.68,6,good,1,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,male,47,45-54,second,primary,self_employed,101.22,5,limited,1,654,1,commercial_bank,870.91,none,business,1,756.99,0.152,12,72.68,current,not_applicable,low_burden
DRC,2024,rural,female,31,25-34,fourth,secondary,farmer,162.87,5,good,1,841,1,informal_lender,2003.88,guarantor,agriculture,1,1773.37,0.787,6,528.1,current,not_applicable,low_burden
Niger,2024,rural,female,51,45-54,middle,primary,self_employed,288.14,9,none,0,202,1,family_friends,3652.61,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2020,rural,female,31,25-34,second,primary,unemployed,215.86,1,limited,0,64,1,family_friends,8690.05,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2025,urban,male,66,55+,lowest,tertiary,farmer,404.7,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,27,25-34,fourth,tertiary,self_employed,525.49,8,none,0,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,52,45-54,lowest,secondary,employed_informal,25.84,3,limited,1,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,male,45,35-44,middle,none,self_employed,833.94,10,limited,1,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,female,23,18-24,second,secondary,employed_informal,253.87,7,limited,0,522,1,family_friends,1926.0,property,business,1,1656.37,0.054,18,96.97,current,not_applicable,low_burden
Nigeria,2021,urban,female,49,45-54,lowest,tertiary,self_employed,22.08,3,limited,1,130,1,digital_lender,1718.77,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2022,rural,female,25,18-24,middle,tertiary,employed_informal,97.23,6,good,0,697,1,family_friends,3789.56,vehicle,business,1,3744.36,0.034,6,645.08,paid_off,not_applicable,low_burden
Ghana,2022,rural,female,46,45-54,lowest,primary,farmer,42.7,10,limited,1,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,51,45-54,middle,primary,farmer,359.6,10,none,0,749,1,informal_lender,6113.4,savings,business,1,5394.53,0.821,12,818.45,current,not_applicable,low_burden
Mali,2020,urban,female,21,18-24,lowest,none,unemployed,16.99,1,good,1,734,1,commercial_bank,1497.29,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2019,rural,female,29,25-34,second,secondary,employed_informal,111.6,1,limited,0,392,1,family_friends,2279.71,guarantor,business,1,2204.88,0.059,24,97.25,defaulted,not_applicable,low_burden
Niger,2023,urban,female,33,25-34,middle,primary,unemployed,515.46,1,none,0,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,rural,male,66,55+,lowest,primary,farmer,8.28,9,none,1,728,1,microfinance,1051.49,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2022,rural,male,29,25-34,middle,primary,farmer,337.33,7,none,0,67,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,urban,male,65,55+,fourth,primary,farmer,902.51,8,good,0,571,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,45,35-44,highest,tertiary,employed_informal,367.11,8,none,0,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,male,67,55+,lowest,primary,unemployed,26.87,4,limited,1,304,1,family_friends,3396.46,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2025,rural,female,61,55+,lowest,primary,self_employed,32.94,6,limited,0,850,1,family_friends,1354.89,none,business,1,1126.02,0.011,12,94.89,current,not_applicable,low_burden
South Africa,2019,urban,female,33,25-34,second,secondary,farmer,27.88,4,excellent,1,726,1,microfinance,525.44,none,business,1,453.69,0.292,36,16.29,current,not_applicable,low_burden
Ghana,2018,rural,male,47,45-54,highest,secondary,employed_informal,528.47,3,none,1,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,female,55,45-54,second,secondary,employed_informal,211.04,4,good,0,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,22,18-24,second,secondary,employed_informal,51.67,8,limited,0,767,1,family_friends,3228.89,equipment,business,1,2700.29,0.06,24,119.31,current,not_applicable,low_burden
Kenya,2024,rural,female,52,45-54,fourth,none,self_employed,651.16,1,none,1,722,1,commercial_bank,16386.73,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2019,urban,female,41,35-44,lowest,none,self_employed,96.56,2,none,1,669,1,digital_lender,1662.45,none,business,1,1427.52,0.453,12,172.87,paid_off,not_applicable,low_burden
South Africa,2023,rural,female,19,18-24,middle,none,unemployed,239.93,4,none,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,63,55+,second,secondary,employed_formal,91.55,10,none,0,695,1,family_friends,6920.01,savings,agriculture,1,6459.97,0.034,12,556.59,current,not_applicable,low_burden
Senegal,2018,rural,male,31,25-34,middle,tertiary,employed_formal,336.45,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,63,55+,fourth,primary,employed_informal,1214.04,1,none,0,73,1,family_friends,11707.93,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2018,urban,female,28,25-34,second,secondary,employed_informal,136.05,3,good,1,637,1,microfinance,1788.16,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2021,rural,female,46,45-54,middle,secondary,self_employed,340.71,2,none,1,557,1,commercial_bank,3381.11,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2022,urban,female,37,35-44,middle,tertiary,farmer,512.21,3,none,0,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,male,64,55+,lowest,primary,unemployed,80.71,5,limited,1,249,1,commercial_bank,1858.16,vehicle,education,1,1539.1,0.147,6,294.27,current,not_applicable,low_burden
Mozambique,2020,urban,male,67,55+,highest,none,employed_informal,3204.32,9,good,1,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,58,55+,fourth,secondary,employed_informal,295.83,3,excellent,1,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,male,61,55+,highest,secondary,farmer,494.34,3,good,0,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,57,55+,fourth,secondary,employed_informal,285.56,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,33,25-34,lowest,tertiary,farmer,100.07,5,none,0,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,female,65,55+,second,primary,self_employed,149.54,3,limited,1,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,45,35-44,second,secondary,farmer,74.54,8,none,0,0,1,informal_lender,3120.89,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2024,urban,female,35,25-34,lowest,primary,employed_formal,287.87,8,good,0,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,27,25-34,second,primary,unemployed,430.51,5,none,1,357,1,microfinance,5078.42,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2023,rural,female,54,45-54,second,primary,unemployed,96.37,5,limited,0,660,1,digital_lender,6059.43,none,agriculture,1,5497.09,0.492,24,341.75,current,not_applicable,low_burden
Senegal,2023,urban,male,32,25-34,lowest,none,employed_formal,34.51,10,none,0,316,1,informal_lender,3470.7,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2022,rural,female,51,45-54,fourth,none,self_employed,1215.34,10,good,1,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,21,18-24,lowest,secondary,self_employed,124.94,6,none,0,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,51,45-54,middle,tertiary,employed_informal,268.49,6,good,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,female,51,45-54,fourth,primary,unemployed,529.44,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,45,35-44,middle,primary,employed_informal,114.22,2,none,0,463,1,informal_lender,1321.02,property,business,1,1057.64,0.795,6,316.4,current,not_applicable,low_burden
DRC,2025,urban,male,52,45-54,lowest,none,employed_informal,67.29,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,69,55+,middle,primary,employed_formal,321.41,10,none,0,0,1,microfinance,2150.73,none,business,1,2143.46,0.291,18,153.76,current,not_applicable,low_burden
Kenya,2023,rural,female,61,55+,fourth,primary,self_employed,241.05,3,none,1,240,1,commercial_bank,6495.34,none,education,1,5242.5,0.202,24,262.58,paid_off,not_applicable,low_burden
Kenya,2018,rural,male,40,35-44,highest,secondary,farmer,899.11,7,none,0,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,female,63,55+,second,tertiary,self_employed,182.67,5,limited,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,female,67,55+,lowest,secondary,farmer,42.88,8,none,0,0,1,family_friends,1665.64,guarantor,business,1,1583.83,0.026,12,135.36,paid_off,not_applicable,low_burden
Ghana,2019,urban,female,26,25-34,middle,secondary,employed_formal,928.07,7,limited,0,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,male,36,35-44,lowest,secondary,farmer,91.3,10,good,0,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,56,55+,fourth,none,self_employed,415.62,6,none,0,2,1,family_friends,5026.87,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2022,urban,female,44,35-44,fourth,primary,self_employed,725.48,3,none,0,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,25,18-24,fourth,none,self_employed,94.0,5,none,1,0,1,microfinance,4290.22,guarantor,emergency,1,4178.04,0.297,12,451.42,late_30_days,not_applicable,low_burden
Rwanda,2019,urban,male,42,35-44,highest,primary,unemployed,701.41,1,none,1,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,female,37,35-44,middle,tertiary,farmer,102.43,8,excellent,0,850,1,informal_lender,5352.19,none,housing,1,5348.15,0.833,12,816.8,defaulted,not_applicable,low_burden
Nigeria,2024,rural,male,56,55+,highest,primary,farmer,724.58,4,none,0,71,1,microfinance,3325.48,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2021,urban,female,44,35-44,middle,primary,self_employed,374.82,1,limited,0,25,1,sacco,1412.75,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2022,urban,male,25,18-24,lowest,primary,employed_formal,99.21,10,excellent,0,850,1,family_friends,2950.22,guarantor,education,1,2743.77,0.091,24,124.7,current,not_applicable,low_burden
Ethiopia,2021,rural,female,20,18-24,fourth,primary,self_employed,752.45,10,none,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,32,25-34,fourth,tertiary,farmer,172.46,3,limited,0,102,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,female,26,25-34,highest,primary,farmer,379.5,9,good,0,345,1,microfinance,3223.72,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2024,rural,female,63,55+,lowest,secondary,self_employed,80.51,1,limited,0,575,1,microfinance,3024.92,savings,agriculture,1,2786.91,0.317,48,76.45,paid_off,not_applicable,low_burden
Niger,2023,rural,female,32,25-34,second,none,employed_informal,145.92,4,none,0,0,1,informal_lender,3489.11,equipment,emergency,1,3180.38,0.813,48,120.14,current,not_applicable,low_burden
Mali,2020,rural,male,50,45-54,fourth,none,employed_informal,131.3,1,good,1,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,24,18-24,lowest,primary,employed_formal,139.2,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,female,40,35-44,middle,tertiary,farmer,878.81,7,good,1,446,1,informal_lender,4193.31,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2023,rural,female,66,55+,middle,primary,unemployed,269.41,6,good,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,51,45-54,lowest,secondary,self_employed,20.95,9,good,1,725,1,microfinance,6015.94,property,business,1,5732.72,0.306,6,1247.92,current,not_applicable,low_burden
South Africa,2020,rural,male,32,25-34,lowest,none,farmer,67.36,10,limited,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,urban,female,56,55+,fourth,secondary,farmer,624.25,7,none,1,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,44,35-44,lowest,secondary,employed_informal,49.8,4,good,0,298,1,informal_lender,2430.79,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2022,rural,male,30,25-34,fourth,secondary,employed_informal,846.74,10,none,0,540,1,family_friends,5257.35,equipment,business,1,5121.43,0.063,18,302.55,current,not_applicable,low_burden
Zambia,2018,urban,male,69,55+,fourth,primary,employed_informal,453.57,1,good,1,497,1,family_friends,6143.89,savings,education,1,5563.55,0.073,18,331.59,paid_off,not_applicable,low_burden
South Africa,2019,rural,female,66,55+,middle,none,unemployed,872.62,5,none,1,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,male,47,45-54,second,tertiary,employed_formal,313.09,10,limited,0,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,urban,female,19,18-24,lowest,secondary,self_employed,109.02,1,good,1,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,39,35-44,fourth,primary,self_employed,628.05,7,good,0,641,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,44,35-44,lowest,primary,farmer,175.9,9,none,0,46,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,urban,male,66,55+,second,none,employed_informal,339.56,7,limited,0,486,1,informal_lender,7078.19,equipment,consumption,1,6682.04,0.822,36,338.2,current,not_applicable,low_burden
Malawi,2024,urban,female,56,55+,highest,primary,unemployed,939.39,6,none,1,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,female,29,25-34,second,primary,employed_informal,114.02,3,none,0,334,1,sacco,2282.73,savings,education,1,2265.56,0.274,18,160.36,current,not_applicable,low_burden
South Africa,2024,rural,male,44,35-44,second,none,unemployed,55.3,3,limited,0,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,27,25-34,highest,primary,self_employed,120.28,9,excellent,1,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,42,35-44,lowest,secondary,self_employed,68.05,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,male,45,35-44,lowest,tertiary,farmer,68.51,6,limited,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,female,44,35-44,second,secondary,self_employed,96.01,10,good,0,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,male,40,35-44,fourth,secondary,employed_informal,677.57,5,none,1,670,1,sacco,27303.19,property,agriculture,1,22453.34,0.28,12,2394.76,current,not_applicable,low_burden
Nigeria,2022,rural,female,40,35-44,highest,secondary,farmer,613.92,9,none,1,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,59,55+,fourth,primary,self_employed,1853.61,8,limited,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,male,44,35-44,highest,secondary,self_employed,663.25,3,good,0,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,20,18-24,lowest,none,farmer,30.53,4,limited,0,55,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,56,55+,middle,none,farmer,82.93,5,none,1,650,1,family_friends,1179.73,none,agriculture,1,1082.93,0.071,12,96.63,current,not_applicable,low_burden
South Africa,2021,urban,male,50,45-54,lowest,secondary,self_employed,149.04,5,none,1,615,1,digital_lender,1551.76,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2022,rural,male,54,45-54,highest,primary,employed_informal,1486.76,6,none,0,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,54,45-54,highest,secondary,employed_informal,653.43,7,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,27,25-34,second,secondary,self_employed,85.93,5,none,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,male,68,55+,fourth,none,employed_informal,962.48,7,none,0,582,1,employer,2990.59,none,education,1,2432.77,0.053,24,106.76,current,not_applicable,low_burden
Mozambique,2020,rural,male,69,55+,middle,primary,employed_informal,72.46,7,limited,0,48,1,informal_lender,2795.15,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2024,urban,male,25,18-24,lowest,secondary,farmer,182.27,10,none,0,593,1,commercial_bank,5338.81,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2021,rural,female,29,25-34,middle,secondary,employed_informal,134.11,9,none,0,82,1,informal_lender,2918.3,none,consumption,1,2588.91,0.844,18,265.27,late_30_days,not_applicable,low_burden
Mozambique,2020,rural,female,30,25-34,highest,secondary,employed_informal,876.8,6,limited,1,850,1,family_friends,9972.26,guarantor,housing,1,9426.08,0.01,6,1587.28,defaulted,not_applicable,low_burden
Ghana,2022,urban,female,68,55+,second,primary,farmer,384.58,2,none,1,722,1,commercial_bank,7118.46,property,housing,1,6236.2,0.229,36,212.89,late_60_days,not_applicable,low_burden
Ghana,2024,rural,female,66,55+,lowest,secondary,farmer,84.07,4,limited,1,46,1,sacco,2381.67,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2020,rural,female,31,25-34,highest,primary,farmer,540.04,4,excellent,1,804,1,microfinance,8009.99,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2025,rural,male,50,45-54,second,none,self_employed,322.33,3,none,0,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,30,25-34,second,secondary,self_employed,148.52,10,none,0,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,19,18-24,fourth,primary,unemployed,4341.93,2,limited,0,824,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,29,25-34,middle,none,employed_informal,90.44,10,limited,0,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,female,22,18-24,second,primary,employed_formal,54.29,5,excellent,1,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,male,62,55+,lowest,secondary,employed_informal,120.82,8,none,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,58,55+,fourth,tertiary,unemployed,322.5,2,good,0,660,1,informal_lender,4484.65,savings,consumption,1,3677.51,0.763,18,360.26,current,not_applicable,low_burden
Malawi,2018,urban,female,27,25-34,middle,tertiary,employed_informal,519.64,8,limited,0,214,1,informal_lender,4775.34,guarantor,education,1,4612.88,0.753,12,673.92,current,not_applicable,low_burden
Zambia,2021,urban,male,47,45-54,fourth,primary,self_employed,228.02,4,none,1,207,1,microfinance,3258.54,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2025,rural,female,28,25-34,highest,primary,self_employed,689.67,6,limited,0,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,female,47,45-54,lowest,secondary,unemployed,123.77,1,none,1,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,female,64,55+,highest,primary,employed_informal,677.03,7,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,male,63,55+,fourth,primary,self_employed,387.84,2,none,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,61,55+,highest,primary,unemployed,256.02,3,none,1,599,1,family_friends,5292.75,none,asset_purchase,1,4492.48,0.09,12,408.03,paid_off,not_applicable,low_burden
Mali,2020,rural,female,30,25-34,lowest,secondary,employed_informal,79.42,5,limited,1,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,27,25-34,second,secondary,self_employed,333.66,8,none,0,54,1,digital_lender,10620.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2018,urban,male,26,25-34,middle,primary,employed_formal,125.46,4,none,1,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,24,18-24,highest,none,employed_informal,267.67,2,none,1,372,1,digital_lender,2273.28,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,urban,female,49,45-54,highest,secondary,employed_formal,2278.48,10,limited,0,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,male,52,45-54,second,secondary,employed_informal,72.05,4,excellent,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,63,55+,middle,primary,employed_informal,360.23,3,none,0,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,female,22,18-24,lowest,primary,farmer,62.62,10,excellent,0,293,1,microfinance,1973.55,none,debt_consolidation,1,1777.12,0.32,12,195.54,current,not_applicable,low_burden
DRC,2021,rural,male,31,25-34,fourth,tertiary,self_employed,246.13,10,limited,1,219,1,commercial_bank,4994.87,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2023,urban,male,55,45-54,fourth,secondary,self_employed,1373.18,1,good,1,376,1,commercial_bank,25821.66,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2022,rural,female,53,45-54,fourth,secondary,farmer,631.45,6,limited,1,777,1,commercial_bank,8548.1,guarantor,agriculture,1,7094.6,0.159,18,456.68,current,not_applicable,low_burden
Zambia,2020,rural,male,40,35-44,second,secondary,unemployed,147.54,3,limited,0,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,25,18-24,highest,tertiary,employed_informal,147.15,8,good,1,428,1,sacco,2267.14,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2019,rural,female,43,35-44,lowest,primary,employed_formal,99.18,6,limited,0,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,urban,female,26,25-34,middle,primary,employed_formal,140.99,10,good,0,850,1,digital_lender,2085.12,savings,asset_purchase,1,2080.67,0.457,18,168.44,late_30_days,not_applicable,low_burden
Malawi,2024,rural,female,45,35-44,middle,primary,farmer,171.29,7,good,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,64,55+,middle,secondary,farmer,201.03,9,limited,0,312,1,commercial_bank,7547.94,guarantor,agriculture,1,6616.09,0.168,48,160.96,late_30_days,not_applicable,low_burden
Malawi,2025,rural,female,28,25-34,fourth,none,self_employed,1244.4,7,limited,0,310,1,family_friends,7167.52,guarantor,consumption,1,6911.89,0.099,6,1265.87,paid_off,not_applicable,low_burden
Kenya,2021,rural,female,24,18-24,middle,primary,employed_informal,167.51,9,limited,0,742,1,family_friends,1857.27,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2018,rural,female,56,55+,lowest,primary,self_employed,22.25,1,limited,0,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,19,18-24,lowest,secondary,farmer,251.41,3,limited,1,510,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,female,69,55+,middle,secondary,employed_informal,495.88,6,limited,0,181,1,employer,11006.35,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2019,rural,female,58,55+,fourth,primary,employed_formal,562.51,7,none,1,0,1,informal_lender,7579.4,guarantor,education,1,6646.46,0.827,12,1012.14,current,not_applicable,low_burden
DRC,2025,rural,female,38,35-44,middle,primary,employed_informal,566.92,2,excellent,0,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,36,35-44,second,secondary,farmer,405.27,8,none,0,151,1,informal_lender,2699.79,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2025,urban,female,38,35-44,lowest,none,unemployed,48.14,6,none,0,573,1,informal_lender,1062.39,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2019,urban,female,38,35-44,fourth,secondary,employed_informal,185.79,6,none,1,547,1,family_friends,1103.26,savings,business,1,959.76,0.066,12,85.23,current,not_applicable,low_burden
Rwanda,2018,rural,male,61,55+,middle,primary,unemployed,360.7,3,none,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,rural,male,59,55+,middle,tertiary,self_employed,166.43,7,limited,0,568,1,informal_lender,2668.88,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2019,urban,female,28,25-34,second,primary,farmer,160.46,5,none,1,338,1,sacco,4587.41,guarantor,business,1,3890.57,0.302,6,844.39,late_30_days,not_applicable,low_burden
Tanzania,2021,rural,male,27,25-34,second,secondary,farmer,55.32,7,none,0,203,1,digital_lender,4462.06,savings,housing,1,3930.66,0.403,24,229.71,late_60_days,not_applicable,low_burden
Ethiopia,2020,urban,female,46,45-54,second,none,self_employed,272.34,9,none,0,518,1,sacco,6086.68,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2022,rural,female,51,45-54,lowest,primary,employed_formal,79.82,5,none,1,66,1,informal_lender,1324.27,guarantor,business,1,1291.23,0.83,24,98.44,current,not_applicable,low_burden
Senegal,2022,urban,male,55,45-54,fourth,secondary,employed_informal,441.19,3,excellent,0,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,34,25-34,second,secondary,farmer,68.48,2,limited,1,705,1,commercial_bank,2300.25,none,housing,1,2144.6,0.135,36,67.6,paid_off,not_applicable,low_burden
Ethiopia,2018,urban,female,43,35-44,second,secondary,self_employed,421.88,8,none,0,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,23,18-24,highest,secondary,employed_informal,794.18,7,limited,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,41,35-44,second,secondary,self_employed,265.29,7,limited,1,814,1,commercial_bank,11004.52,none,business,1,8920.46,0.141,18,565.61,current,not_applicable,low_burden
Rwanda,2018,rural,male,53,45-54,middle,tertiary,employed_informal,45.89,7,limited,1,580,1,digital_lender,1713.77,none,agriculture,1,1556.48,0.459,12,189.23,current,not_applicable,low_burden
Senegal,2020,rural,male,33,25-34,second,primary,employed_informal,126.23,6,none,0,550,1,family_friends,5510.02,equipment,business,1,4956.56,0.076,12,444.31,late_30_days,not_applicable,low_burden
South Africa,2022,urban,female,34,25-34,second,tertiary,farmer,109.56,9,limited,0,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,42,35-44,lowest,primary,self_employed,92.17,2,none,0,171,1,family_friends,4516.9,none,business,1,4234.1,0.041,18,244.85,current,not_applicable,low_burden
Zambia,2020,rural,female,63,55+,highest,primary,employed_informal,1285.07,7,none,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,female,49,45-54,middle,secondary,self_employed,386.56,9,excellent,0,850,1,family_friends,8556.48,savings,emergency,1,8137.76,0.059,18,478.73,current,not_applicable,low_burden
Nigeria,2022,rural,male,65,55+,fourth,none,unemployed,333.95,1,none,0,225,1,digital_lender,6627.1,property,agriculture,1,6051.51,0.497,6,1510.22,paid_off,not_applicable,low_burden
Ethiopia,2020,rural,male,21,18-24,highest,none,employed_informal,669.99,8,none,1,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,female,62,55+,lowest,none,employed_informal,20.22,1,none,0,0,1,informal_lender,2671.92,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2021,urban,female,20,18-24,fourth,secondary,self_employed,260.79,2,limited,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,34,25-34,lowest,secondary,employed_formal,132.06,7,none,0,703,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,female,40,35-44,second,none,employed_formal,127.03,10,none,0,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,30,25-34,fourth,none,employed_formal,1092.92,7,none,1,211,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,69,55+,lowest,primary,employed_informal,107.42,5,none,0,49,1,microfinance,1339.56,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2018,rural,female,64,55+,highest,primary,self_employed,1228.76,8,limited,1,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,47,45-54,middle,none,employed_informal,252.49,8,none,0,714,1,sacco,11360.87,property,emergency,1,11078.9,0.298,36,399.5,late_30_days,not_applicable,low_burden
Niger,2019,urban,female,41,35-44,second,none,self_employed,133.37,7,limited,0,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,male,57,55+,lowest,secondary,farmer,54.19,1,none,1,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,female,54,45-54,middle,secondary,employed_formal,313.12,10,excellent,1,452,1,family_friends,1686.77,property,agriculture,1,1566.01,0.004,36,43.69,paid_off,not_applicable,low_burden
Kenya,2025,rural,female,42,35-44,middle,primary,employed_informal,45.17,3,limited,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,61,55+,lowest,primary,unemployed,143.88,2,none,1,483,1,informal_lender,4411.84,none,asset_purchase,1,3827.73,0.772,24,282.64,current,not_applicable,low_burden
Niger,2022,urban,female,28,25-34,middle,none,self_employed,210.24,8,none,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,32,25-34,lowest,primary,farmer,56.71,3,limited,0,570,1,sacco,2459.46,equipment,education,1,2152.68,0.315,12,235.83,current,not_applicable,low_burden
Nigeria,2023,rural,male,18,18-24,highest,primary,self_employed,628.89,7,limited,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,male,24,18-24,second,tertiary,unemployed,117.97,2,none,1,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,male,28,25-34,middle,secondary,employed_informal,79.74,2,none,0,422,1,digital_lender,1989.66,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2025,rural,female,50,45-54,fourth,primary,employed_formal,366.69,6,limited,0,61,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,62,55+,fourth,none,farmer,499.88,8,none,0,217,1,employer,3347.81,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2018,rural,male,48,45-54,highest,secondary,employed_formal,158.73,4,none,1,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,male,41,35-44,highest,tertiary,self_employed,398.52,4,none,0,216,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,male,32,25-34,lowest,none,employed_formal,168.25,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,male,23,18-24,second,secondary,employed_informal,199.37,4,none,1,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,48,45-54,fourth,primary,farmer,406.44,5,none,1,741,1,microfinance,7695.69,savings,consumption,1,7477.95,0.348,12,839.86,current,not_applicable,low_burden
South Africa,2024,rural,male,25,18-24,lowest,secondary,self_employed,37.37,10,none,0,578,1,digital_lender,3478.3,guarantor,emergency,1,2963.39,0.442,24,178.04,current,not_applicable,low_burden
Nigeria,2022,rural,male,59,55+,fourth,primary,self_employed,544.16,1,limited,1,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,male,39,35-44,lowest,secondary,employed_informal,25.95,10,limited,1,162,1,commercial_bank,1755.31,none,business,1,1454.29,0.189,12,144.08,current,not_applicable,low_burden
Zambia,2021,urban,male,36,35-44,highest,primary,employed_informal,899.81,8,limited,0,514,1,informal_lender,6389.27,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2018,urban,male,19,18-24,fourth,secondary,farmer,197.11,10,limited,0,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,female,30,25-34,middle,secondary,employed_formal,178.56,10,limited,1,799,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,18,18-24,second,secondary,self_employed,58.97,10,limited,0,722,1,digital_lender,5546.98,equipment,business,1,5272.2,0.457,12,639.95,paid_off,not_applicable,low_burden
Ghana,2025,rural,female,55,45-54,highest,secondary,self_employed,1127.08,1,excellent,1,850,1,digital_lender,6456.82,none,emergency,1,5717.5,0.449,18,460.19,current,not_applicable,low_burden
Uganda,2020,rural,male,43,35-44,fourth,none,employed_informal,446.55,8,good,1,850,1,commercial_bank,5601.62,guarantor,consumption,1,4735.24,0.146,6,904.35,late_60_days,not_applicable,low_burden
Kenya,2019,rural,female,58,55+,fourth,secondary,employed_informal,221.17,8,none,1,0,1,microfinance,3842.25,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2021,rural,female,47,45-54,fourth,none,farmer,707.35,10,limited,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,male,67,55+,lowest,secondary,self_employed,30.84,1,none,0,640,1,digital_lender,8790.32,guarantor,agriculture,1,8490.73,0.407,6,1990.8,late_30_days,not_applicable,low_burden
Uganda,2021,urban,male,58,55+,lowest,none,employed_formal,87.67,9,none,1,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,female,25,18-24,lowest,primary,unemployed,39.17,2,none,1,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,24,18-24,middle,primary,employed_informal,336.29,1,good,1,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,64,55+,middle,tertiary,farmer,468.12,7,good,0,743,1,digital_lender,3536.76,savings,agriculture,1,2960.24,0.42,6,700.74,current,not_applicable,low_burden
Niger,2020,rural,female,31,25-34,second,secondary,employed_formal,301.78,8,limited,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,male,57,55+,highest,none,self_employed,703.74,5,limited,1,450,1,commercial_bank,11345.73,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2022,rural,female,50,45-54,lowest,secondary,self_employed,7.59,7,none,0,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,54,45-54,fourth,primary,employed_formal,243.89,10,excellent,1,688,1,microfinance,1628.34,property,agriculture,1,1541.21,0.297,12,166.58,current,not_applicable,low_burden
Ghana,2021,urban,male,31,25-34,middle,primary,farmer,892.48,7,none,1,121,1,microfinance,4263.73,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2025,urban,male,34,25-34,second,primary,employed_informal,144.15,4,excellent,1,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,46,45-54,lowest,secondary,self_employed,23.48,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,19,18-24,fourth,tertiary,farmer,673.74,3,none,0,237,1,microfinance,5624.09,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2022,rural,female,34,25-34,fourth,tertiary,self_employed,475.88,4,limited,0,641,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,44,35-44,second,none,self_employed,72.91,5,none,0,567,1,family_friends,2584.26,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2024,rural,female,28,25-34,middle,none,employed_informal,168.27,4,none,1,333,1,commercial_bank,3302.92,property,housing,1,2867.06,0.149,12,274.46,late_30_days,not_applicable,low_burden
Mozambique,2019,urban,male,32,25-34,middle,secondary,employed_formal,164.88,7,limited,1,232,1,digital_lender,3639.01,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2022,urban,male,69,55+,second,primary,unemployed,260.89,6,limited,1,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,male,33,25-34,middle,secondary,self_employed,310.42,2,none,0,56,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,64,55+,second,tertiary,self_employed,53.64,6,limited,1,796,1,family_friends,1638.42,property,consumption,1,1544.17,0.019,24,65.58,current,not_applicable,low_burden
South Africa,2023,urban,female,66,55+,highest,primary,self_employed,984.01,5,limited,1,830,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,male,53,45-54,fourth,primary,self_employed,197.39,1,none,0,514,1,commercial_bank,8984.47,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2021,rural,female,25,18-24,lowest,tertiary,employed_formal,167.51,6,none,0,188,1,microfinance,2132.73,none,business,1,2035.86,0.331,12,225.78,current,not_applicable,low_burden
Ethiopia,2020,rural,female,28,25-34,fourth,secondary,employed_informal,616.41,3,limited,1,122,1,commercial_bank,10213.77,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2019,urban,male,66,55+,second,tertiary,self_employed,166.12,5,good,0,128,1,family_friends,5817.76,equipment,asset_purchase,1,4837.2,0.045,12,421.42,late_30_days,not_applicable,low_burden
Senegal,2024,urban,female,18,18-24,highest,secondary,employed_informal,1048.44,5,none,1,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,44,35-44,middle,primary,employed_formal,406.65,9,limited,0,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,49,45-54,lowest,secondary,self_employed,53.35,4,limited,0,314,1,informal_lender,1399.75,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2024,urban,male,61,55+,fourth,secondary,self_employed,836.47,8,limited,1,679,1,commercial_bank,5922.81,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
South Africa,2025,rural,male,64,55+,lowest,tertiary,self_employed,169.44,4,good,0,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,32,25-34,highest,primary,farmer,470.93,9,limited,1,782,1,commercial_bank,5859.65,none,education,1,5654.35,0.155,6,1088.48,current,not_applicable,low_burden
Ghana,2020,rural,female,44,35-44,highest,secondary,self_employed,2101.95,10,none,1,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,female,50,45-54,fourth,primary,employed_formal,1270.16,10,good,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,68,55+,middle,primary,farmer,355.07,2,limited,0,127,1,commercial_bank,14327.07,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2025,urban,male,46,45-54,middle,tertiary,self_employed,218.67,9,limited,1,513,1,sacco,3463.24,none,business,1,3198.96,0.294,12,344.84,current,not_applicable,low_burden
DRC,2022,urban,male,24,18-24,second,tertiary,self_employed,213.49,9,limited,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,66,55+,lowest,secondary,unemployed,50.76,2,none,1,0,1,digital_lender,21321.17,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2024,rural,male,44,35-44,highest,tertiary,employed_formal,381.22,7,limited,1,373,1,microfinance,8550.39,vehicle,business,1,8309.4,0.284,6,1778.66,late_60_days,not_applicable,low_burden
Rwanda,2019,rural,female,27,25-34,second,primary,self_employed,176.07,8,limited,1,1,1,commercial_bank,4872.38,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2018,rural,female,27,25-34,second,secondary,employed_informal,59.26,7,none,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,male,28,25-34,lowest,secondary,employed_formal,70.9,10,none,0,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,55,45-54,highest,secondary,self_employed,788.82,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,male,67,55+,highest,secondary,employed_informal,255.35,9,limited,0,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,40,35-44,second,secondary,employed_formal,192.34,10,limited,1,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,23,18-24,second,tertiary,self_employed,103.39,8,none,1,410,1,informal_lender,5455.49,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Malawi,2020,urban,male,64,55+,fourth,primary,employed_informal,1221.1,4,limited,0,116,1,family_friends,3061.9,vehicle,business,1,2468.77,0.069,12,219.96,current,not_applicable,low_burden
Nigeria,2023,urban,male,51,45-54,second,secondary,self_employed,152.48,10,none,0,13,1,digital_lender,7564.13,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,urban,male,47,45-54,highest,primary,employed_formal,745.24,10,limited,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,21,18-24,highest,primary,self_employed,352.51,5,limited,1,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,68,55+,fourth,secondary,self_employed,338.88,1,limited,0,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,22,18-24,lowest,secondary,self_employed,62.15,10,excellent,0,850,1,family_friends,1186.95,none,business,1,1129.22,0.048,24,49.29,current,not_applicable,low_burden
Zambia,2020,rural,female,49,45-54,fourth,tertiary,farmer,554.22,6,none,1,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,female,49,45-54,highest,primary,unemployed,1038.19,1,none,0,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,44,35-44,second,none,employed_formal,525.35,10,limited,1,140,1,informal_lender,10329.8,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2022,urban,female,46,45-54,highest,secondary,self_employed,1363.31,1,limited,1,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,38,35-44,second,tertiary,farmer,60.8,9,limited,0,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,female,47,45-54,highest,tertiary,self_employed,313.65,2,excellent,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,36,35-44,middle,tertiary,unemployed,290.81,1,limited,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,male,42,35-44,lowest,primary,farmer,44.06,6,none,1,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,53,45-54,middle,tertiary,farmer,303.3,7,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,56,55+,lowest,primary,employed_formal,112.76,4,good,0,496,1,digital_lender,2327.91,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2025,urban,male,25,18-24,second,tertiary,employed_informal,344.51,6,none,0,485,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,female,69,55+,highest,secondary,self_employed,539.09,2,limited,0,738,1,microfinance,3834.3,none,agriculture,1,3823.51,0.336,36,141.94,current,not_applicable,low_burden
Kenya,2024,rural,male,23,18-24,lowest,primary,self_employed,114.82,10,good,0,850,1,digital_lender,9690.7,savings,consumption,1,9114.85,0.438,12,1092.15,defaulted,not_applicable,low_burden
Ghana,2021,urban,female,32,25-34,highest,secondary,farmer,1241.57,4,good,1,357,1,commercial_bank,8141.98,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2023,urban,female,36,35-44,lowest,secondary,unemployed,58.72,1,none,0,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,male,34,25-34,middle,primary,employed_informal,266.86,7,limited,0,518,1,commercial_bank,1867.14,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2023,urban,male,36,35-44,highest,none,self_employed,1377.76,2,none,0,708,1,family_friends,16172.3,savings,agriculture,1,15906.43,0.009,12,1336.8,late_30_days,not_applicable,low_burden
Uganda,2018,rural,male,34,25-34,middle,secondary,farmer,124.88,2,good,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,female,40,35-44,highest,tertiary,farmer,820.26,10,limited,0,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,57,55+,highest,secondary,farmer,2725.04,6,limited,1,172,1,informal_lender,5689.96,property,business,1,5023.96,0.832,24,383.56,paid_off,not_applicable,low_burden
Niger,2023,rural,male,61,55+,middle,none,self_employed,392.74,3,none,1,226,1,sacco,12349.08,property,agriculture,1,11612.1,0.274,18,821.98,late_60_days,not_applicable,low_burden
Uganda,2018,urban,male,36,35-44,fourth,secondary,unemployed,520.98,3,none,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,male,31,25-34,lowest,none,self_employed,105.87,9,none,1,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,urban,male,53,45-54,second,primary,employed_formal,124.17,10,limited,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,female,21,18-24,second,none,employed_informal,84.89,5,limited,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,41,35-44,fourth,primary,self_employed,112.42,7,good,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,male,29,25-34,fourth,primary,farmer,393.11,9,none,0,439,1,family_friends,5407.47,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2024,urban,female,49,45-54,middle,none,self_employed,481.1,3,none,1,453,1,family_friends,2756.09,none,education,1,2517.53,0.037,12,217.5,late_30_days,not_applicable,low_burden
Rwanda,2025,urban,female,22,18-24,highest,primary,self_employed,942.68,8,limited,1,820,1,digital_lender,12674.19,none,agriculture,1,10989.07,0.459,36,445.21,late_30_days,not_applicable,low_burden
Malawi,2019,urban,female,61,55+,lowest,secondary,self_employed,48.63,10,limited,1,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,32,25-34,highest,primary,farmer,695.48,4,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,44,35-44,lowest,none,employed_informal,229.88,9,none,1,633,1,family_friends,6027.45,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2023,rural,female,47,45-54,second,secondary,self_employed,227.44,1,none,1,192,1,family_friends,1227.96,property,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ghana,2021,rural,female,42,35-44,middle,secondary,employed_informal,195.92,4,limited,1,295,1,commercial_bank,3982.52,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2019,rural,male,41,35-44,second,secondary,self_employed,508.53,3,good,1,236,1,family_friends,7239.55,vehicle,debt_consolidation,1,6693.99,0.066,12,594.9,current,not_applicable,low_burden
Niger,2020,rural,female,31,25-34,fourth,primary,self_employed,2180.74,1,good,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,urban,female,58,55+,fourth,secondary,self_employed,351.5,7,limited,0,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,44,35-44,fourth,secondary,self_employed,277.6,6,limited,1,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,female,29,25-34,lowest,secondary,unemployed,146.01,1,good,1,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,31,25-34,lowest,secondary,unemployed,31.79,5,good,1,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,40,35-44,lowest,none,employed_informal,109.15,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,female,61,55+,middle,primary,employed_informal,320.33,9,none,1,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,67,55+,lowest,primary,employed_formal,78.14,10,good,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,male,38,35-44,second,primary,employed_informal,120.97,9,good,1,850,1,employer,3945.86,savings,agriculture,1,3441.46,0.048,36,100.2,current,not_applicable,low_burden
Niger,2018,urban,female,38,35-44,fourth,tertiary,employed_informal,283.42,1,limited,1,581,1,commercial_bank,4289.59,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2024,rural,female,24,18-24,highest,primary,unemployed,165.42,6,none,0,299,1,informal_lender,6047.53,guarantor,emergency,1,5986.28,0.83,36,304.28,late_30_days,not_applicable,low_burden
Tanzania,2019,rural,female,46,45-54,fourth,secondary,unemployed,932.31,1,good,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,30,25-34,lowest,tertiary,employed_informal,116.43,8,none,0,168,1,sacco,4733.05,equipment,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2021,rural,female,60,55+,middle,secondary,farmer,320.43,8,none,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,45,35-44,lowest,primary,farmer,76.87,2,limited,0,597,1,digital_lender,2908.3,none,business,1,2790.59,0.448,36,112.24,current,not_applicable,low_burden
Kenya,2024,urban,male,29,25-34,second,tertiary,self_employed,36.07,1,limited,0,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,female,65,55+,second,primary,unemployed,106.97,1,none,1,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,60,55+,highest,none,unemployed,555.05,1,limited,0,554,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,female,33,25-34,middle,primary,unemployed,139.96,1,limited,0,735,1,informal_lender,3140.67,none,consumption,1,3059.56,0.834,6,934.99,paid_off,not_applicable,low_burden
Kenya,2023,rural,female,24,18-24,second,primary,farmer,37.07,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,31,25-34,middle,secondary,self_employed,150.53,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,male,37,35-44,highest,primary,employed_informal,1025.28,9,limited,1,623,1,commercial_bank,8751.28,savings,business,1,8113.68,0.155,12,780.73,late_30_days,not_applicable,low_burden
Zambia,2018,rural,male,39,35-44,lowest,secondary,unemployed,62.36,1,good,0,200,1,informal_lender,1829.71,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2020,rural,female,60,55+,fourth,none,employed_informal,622.4,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,male,68,55+,lowest,tertiary,self_employed,255.33,5,none,0,2,1,informal_lender,2489.13,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2023,rural,male,56,55+,lowest,none,employed_informal,97.35,6,limited,1,628,1,commercial_bank,1596.8,property,consumption,1,1545.85,0.177,12,151.65,current,not_applicable,low_burden
Zambia,2025,urban,female,61,55+,highest,tertiary,self_employed,876.06,8,good,0,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,male,24,18-24,lowest,none,employed_formal,212.42,6,none,1,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,25,18-24,fourth,tertiary,farmer,162.55,1,limited,0,737,1,family_friends,3617.14,equipment,education,1,3159.09,0.003,24,132.04,current,not_applicable,low_burden
DRC,2023,rural,female,65,55+,lowest,secondary,self_employed,14.06,3,none,0,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,male,49,45-54,middle,secondary,self_employed,160.39,9,limited,0,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,30,25-34,middle,none,self_employed,353.13,6,none,0,83,1,family_friends,3127.03,savings,consumption,1,2915.29,0.058,12,256.99,current,not_applicable,low_burden
Uganda,2018,urban,female,59,55+,highest,secondary,self_employed,1114.67,10,none,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,27,25-34,fourth,secondary,farmer,149.68,9,none,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,male,57,55+,fourth,secondary,unemployed,198.21,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,63,55+,second,secondary,farmer,50.87,1,none,0,568,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,female,43,35-44,lowest,tertiary,self_employed,37.68,1,none,1,145,1,commercial_bank,1961.59,property,debt_consolidation,1,1700.21,0.17,12,165.81,paid_off,not_applicable,low_burden
Uganda,2025,rural,male,52,45-54,middle,tertiary,farmer,592.33,2,limited,0,374,1,informal_lender,14284.97,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2022,urban,female,56,55+,middle,secondary,self_employed,269.86,5,none,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,63,55+,lowest,none,self_employed,310.14,1,none,0,497,1,microfinance,4387.29,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2020,urban,male,48,45-54,highest,none,farmer,531.29,9,none,0,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,33,25-34,second,secondary,self_employed,255.21,5,excellent,1,776,1,commercial_bank,4993.61,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2020,rural,male,28,25-34,lowest,tertiary,self_employed,70.62,8,none,0,0,1,informal_lender,2406.47,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2019,urban,male,36,35-44,highest,primary,farmer,1833.71,9,limited,0,338,1,sacco,22122.89,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2022,urban,male,20,18-24,middle,none,employed_informal,356.56,1,none,0,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,54,45-54,fourth,primary,farmer,657.13,5,none,1,511,1,sacco,18124.9,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2019,rural,female,37,35-44,lowest,primary,self_employed,88.79,7,good,1,618,1,commercial_bank,2279.87,property,education,1,2094.96,0.198,12,209.17,current,not_applicable,low_burden
Nigeria,2020,rural,female,55,45-54,second,tertiary,self_employed,56.51,10,limited,0,799,1,family_friends,3913.06,guarantor,business,1,3186.35,0.074,12,285.24,defaulted,not_applicable,low_burden
Ghana,2021,rural,male,21,18-24,middle,secondary,farmer,334.03,9,limited,1,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,34,25-34,second,none,employed_formal,168.37,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,38,35-44,fourth,primary,employed_informal,191.45,3,none,1,370,1,commercial_bank,14374.71,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2020,urban,male,22,18-24,lowest,none,self_employed,146.07,8,none,0,666,1,family_friends,1834.63,savings,agriculture,1,1758.32,0.043,24,76.44,current,not_applicable,low_burden
Uganda,2019,urban,male,61,55+,lowest,secondary,employed_formal,171.3,10,none,0,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,49,45-54,lowest,secondary,employed_informal,64.06,3,good,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,61,55+,second,none,farmer,94.91,5,none,0,1,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,urban,female,59,55+,lowest,primary,employed_formal,34.03,10,none,0,514,1,informal_lender,3734.32,none,agriculture,1,3302.42,0.811,48,124.59,paid_off,not_applicable,low_burden
Tanzania,2022,rural,female,19,18-24,fourth,tertiary,self_employed,93.22,3,none,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,male,62,55+,middle,secondary,employed_formal,251.82,7,none,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,female,21,18-24,lowest,secondary,employed_formal,104.87,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,63,55+,middle,primary,self_employed,133.89,7,none,0,251,1,microfinance,1251.33,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2023,urban,female,52,45-54,lowest,tertiary,unemployed,244.15,1,excellent,0,446,1,microfinance,4596.85,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2023,rural,female,60,55+,second,secondary,self_employed,105.08,3,limited,0,775,1,informal_lender,2969.81,none,consumption,1,2960.29,0.823,12,449.77,current,not_applicable,low_burden
Malawi,2023,rural,male,43,35-44,highest,tertiary,employed_informal,576.87,9,none,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,female,26,25-34,fourth,none,self_employed,269.33,3,none,1,99,1,family_friends,1686.25,vehicle,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2023,urban,male,25,18-24,middle,primary,self_employed,593.14,8,limited,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,24,18-24,second,none,self_employed,62.0,5,none,0,537,1,informal_lender,5041.09,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2025,urban,male,59,55+,lowest,tertiary,employed_informal,82.11,3,good,1,575,1,microfinance,3201.1,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2019,urban,male,45,35-44,fourth,secondary,employed_informal,335.34,4,limited,1,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,male,29,25-34,middle,none,self_employed,201.39,8,limited,0,610,1,family_friends,2397.85,none,business,1,2329.86,0.084,6,420.8,paid_off,not_applicable,low_burden
Nigeria,2024,rural,male,24,18-24,middle,tertiary,self_employed,204.98,9,limited,1,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,22,18-24,highest,tertiary,farmer,915.06,1,none,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,31,25-34,second,primary,self_employed,253.28,10,none,0,634,1,sacco,5581.03,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2018,urban,male,56,55+,fourth,secondary,farmer,488.22,3,limited,0,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,64,55+,middle,secondary,self_employed,294.95,7,none,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,female,49,45-54,lowest,none,self_employed,101.42,3,none,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,69,55+,lowest,secondary,self_employed,160.93,3,good,0,686,1,family_friends,6579.84,guarantor,consumption,1,6072.34,0.011,24,255.67,late_30_days,not_applicable,low_burden
Nigeria,2018,rural,female,38,35-44,middle,primary,employed_informal,161.85,9,good,1,105,1,commercial_bank,1326.72,equipment,housing,1,1131.92,0.185,12,111.76,current,not_applicable,low_burden
DRC,2023,urban,female,35,25-34,second,tertiary,unemployed,146.73,4,none,0,617,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,male,54,45-54,fourth,secondary,employed_informal,828.69,10,good,0,110,1,family_friends,1112.14,guarantor,emergency,1,1029.82,0.092,12,93.75,late_30_days,not_applicable,low_burden
Niger,2021,rural,female,25,18-24,fourth,tertiary,self_employed,264.31,1,none,0,489,1,family_friends,4544.95,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ethiopia,2018,rural,male,65,55+,second,secondary,self_employed,171.95,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,58,55+,middle,none,farmer,1027.47,1,none,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,19,18-24,middle,primary,employed_formal,150.36,8,limited,1,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,27,25-34,second,secondary,unemployed,354.42,1,limited,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,female,50,45-54,highest,primary,employed_informal,701.89,10,none,1,387,1,commercial_bank,4340.37,savings,business,1,4129.17,0.158,12,398.6,current,not_applicable,low_burden
Kenya,2019,urban,male,56,55+,lowest,secondary,employed_informal,229.22,3,good,0,850,1,microfinance,9831.22,guarantor,housing,1,8793.48,0.333,12,976.71,current,not_applicable,low_burden
Mali,2022,rural,male,29,25-34,highest,primary,farmer,1073.36,7,none,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,56,55+,lowest,none,employed_informal,91.7,10,excellent,1,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,42,35-44,lowest,secondary,self_employed,54.2,1,none,1,373,1,digital_lender,1991.67,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2025,rural,female,53,45-54,fourth,secondary,self_employed,276.71,5,none,0,216,1,family_friends,5715.29,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2024,urban,female,40,35-44,lowest,secondary,unemployed,54.21,1,none,0,505,1,informal_lender,2223.63,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2019,rural,female,41,35-44,second,secondary,farmer,121.84,1,none,1,154,1,microfinance,1354.77,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2020,urban,female,38,35-44,lowest,primary,employed_informal,79.01,5,limited,0,646,1,microfinance,2938.87,guarantor,agriculture,1,2699.34,0.298,6,584.06,current,not_applicable,low_burden
DRC,2025,urban,female,26,25-34,fourth,secondary,farmer,562.3,3,limited,1,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,27,25-34,middle,secondary,employed_informal,111.15,4,good,0,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,male,26,25-34,lowest,secondary,self_employed,61.2,3,limited,0,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,59,55+,second,primary,farmer,293.59,6,limited,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,male,40,35-44,lowest,secondary,farmer,174.02,4,none,1,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,37,35-44,highest,none,farmer,674.8,8,limited,0,565,1,family_friends,3057.19,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2024,rural,male,62,55+,lowest,secondary,farmer,362.13,4,good,0,361,1,microfinance,2315.64,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,rural,male,64,55+,middle,primary,self_employed,133.51,7,none,1,227,1,sacco,1838.52,savings,business,1,1793.03,0.35,18,134.52,current,not_applicable,low_burden
Mali,2019,rural,male,30,25-34,middle,tertiary,unemployed,188.23,2,none,0,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,urban,male,36,35-44,middle,secondary,employed_informal,108.09,4,none,1,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,39,35-44,highest,secondary,self_employed,500.58,9,none,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,61,55+,second,secondary,farmer,424.02,8,limited,0,520,1,digital_lender,2763.55,none,business,1,2286.67,0.474,36,93.65,current,not_applicable,low_burden
Tanzania,2024,rural,male,52,45-54,fourth,secondary,employed_informal,255.31,6,none,0,99,1,digital_lender,4051.68,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2018,rural,female,46,45-54,second,none,self_employed,41.63,6,good,1,841,1,informal_lender,1773.02,none,agriculture,1,1595.54,0.845,36,81.77,late_30_days,not_applicable,low_burden
Mozambique,2022,rural,female,30,25-34,middle,secondary,farmer,368.23,8,none,0,709,1,informal_lender,6308.57,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2024,urban,female,38,35-44,second,tertiary,self_employed,237.64,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,19,18-24,lowest,none,employed_informal,107.75,8,none,0,0,1,informal_lender,1268.64,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2022,urban,male,54,45-54,lowest,primary,employed_informal,72.99,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,male,65,55+,lowest,secondary,employed_informal,44.4,3,good,1,235,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,58,55+,highest,primary,employed_informal,583.93,5,good,1,849,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,34,25-34,fourth,secondary,employed_informal,486.24,6,none,0,110,1,family_friends,5110.73,vehicle,business,1,4973.61,0.07,24,221.72,paid_off,not_applicable,low_burden
Nigeria,2023,rural,female,43,35-44,lowest,secondary,farmer,57.26,4,none,0,396,1,informal_lender,1904.18,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2018,rural,male,67,55+,middle,secondary,employed_informal,262.4,9,limited,1,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,male,40,35-44,fourth,none,farmer,226.45,4,limited,0,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,female,61,55+,second,primary,unemployed,163.35,2,limited,1,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,rural,female,48,45-54,second,tertiary,employed_informal,121.05,7,none,1,702,1,informal_lender,3855.37,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2023,urban,male,43,35-44,fourth,primary,unemployed,300.13,1,limited,0,474,1,family_friends,5694.39,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2022,rural,male,48,45-54,lowest,secondary,employed_informal,66.44,6,none,1,453,1,digital_lender,2959.77,guarantor,business,1,2599.36,0.449,12,313.85,current,not_applicable,low_burden
Rwanda,2022,urban,female,29,25-34,middle,none,self_employed,227.61,8,none,1,60,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,male,40,35-44,lowest,primary,unemployed,138.43,1,good,0,493,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,33,25-34,lowest,primary,farmer,165.59,10,none,1,459,1,commercial_bank,2135.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2018,rural,female,57,55+,fourth,primary,employed_informal,468.43,6,none,1,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,male,49,45-54,fourth,secondary,employed_informal,104.99,8,none,0,458,1,microfinance,3277.2,guarantor,agriculture,1,3201.23,0.324,36,117.74,late_60_days,not_applicable,low_burden
Malawi,2024,rural,female,38,35-44,highest,secondary,employed_informal,337.98,8,none,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,male,60,55+,lowest,tertiary,unemployed,38.58,5,good,1,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,rural,male,41,35-44,fourth,tertiary,employed_informal,188.84,7,none,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,male,67,55+,highest,primary,self_employed,677.44,6,limited,0,694,1,informal_lender,4987.08,vehicle,asset_purchase,1,4546.43,0.828,18,461.7,current,not_applicable,low_burden
Senegal,2025,rural,female,49,45-54,middle,none,employed_informal,382.22,8,good,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,male,64,55+,highest,tertiary,self_employed,1082.88,5,none,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,male,69,55+,highest,primary,self_employed,493.55,9,none,0,385,1,microfinance,13155.39,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2021,urban,female,35,25-34,fourth,primary,employed_informal,744.4,6,none,0,391,1,digital_lender,7527.85,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2023,urban,male,31,25-34,highest,none,self_employed,1247.01,8,none,1,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,61,55+,middle,secondary,self_employed,195.45,3,none,1,383,1,commercial_bank,4334.68,guarantor,business,1,3815.69,0.204,18,255.18,current,not_applicable,low_burden
Ethiopia,2020,urban,female,30,25-34,middle,primary,self_employed,666.52,2,limited,0,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,female,57,55+,highest,none,self_employed,623.54,6,none,1,239,1,commercial_bank,3043.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2023,rural,female,27,25-34,fourth,secondary,self_employed,342.15,9,limited,0,402,1,digital_lender,3625.09,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,urban,female,63,55+,lowest,secondary,farmer,43.07,8,good,1,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,male,53,45-54,second,primary,self_employed,89.68,4,none,1,0,1,commercial_bank,3543.35,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2019,rural,female,45,35-44,second,secondary,self_employed,46.8,9,none,0,625,1,microfinance,2239.8,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2018,rural,female,41,35-44,highest,primary,employed_informal,333.02,7,none,0,582,1,family_friends,4843.45,none,business,1,4835.27,0.012,12,407.69,current,not_applicable,low_burden
Senegal,2022,rural,female,51,45-54,lowest,primary,employed_formal,63.85,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,38,35-44,second,primary,farmer,146.43,10,none,0,0,1,family_friends,1286.58,equipment,debt_consolidation,1,1070.91,0.03,24,45.96,paid_off,not_applicable,low_burden
South Africa,2021,urban,female,38,35-44,middle,none,farmer,247.0,8,limited,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,28,25-34,lowest,primary,employed_informal,48.86,3,none,1,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,26,25-34,highest,tertiary,self_employed,2296.72,1,none,0,620,1,informal_lender,6782.03,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2021,urban,female,64,55+,middle,none,self_employed,134.6,3,none,0,502,1,family_friends,3021.57,none,education,1,2627.13,0.068,24,116.93,current,not_applicable,low_burden
Mali,2020,rural,female,56,55+,lowest,tertiary,farmer,25.22,2,limited,1,715,1,commercial_bank,3797.72,none,emergency,1,3205.12,0.14,18,203.01,current,not_applicable,low_burden
Mali,2023,rural,female,41,35-44,second,none,employed_informal,67.12,2,none,0,408,1,family_friends,869.99,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2022,rural,male,61,55+,fourth,primary,unemployed,313.56,2,limited,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,male,49,45-54,middle,secondary,employed_formal,427.8,10,limited,0,386,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,49,45-54,second,secondary,unemployed,279.03,3,none,1,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,23,18-24,second,none,employed_formal,350.57,8,limited,0,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,45,35-44,highest,none,employed_informal,918.32,3,none,0,731,1,informal_lender,4095.37,property,consumption,1,4081.49,0.816,12,617.66,late_60_days,not_applicable,low_burden
Rwanda,2020,rural,female,23,18-24,fourth,secondary,employed_informal,249.86,8,limited,1,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,male,53,45-54,fourth,primary,employed_informal,1034.57,6,none,0,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,rural,male,21,18-24,second,secondary,unemployed,17.28,1,limited,0,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,44,35-44,highest,secondary,self_employed,693.85,5,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,male,37,35-44,fourth,none,employed_formal,664.69,5,limited,1,514,1,microfinance,2156.0,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2024,urban,female,24,18-24,second,secondary,unemployed,671.76,1,limited,0,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,male,42,35-44,highest,none,employed_informal,309.8,1,none,0,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,28,25-34,highest,tertiary,employed_formal,738.2,6,limited,1,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,30,25-34,fourth,tertiary,employed_formal,127.48,10,none,1,407,1,digital_lender,4239.39,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2023,rural,female,64,55+,fourth,secondary,self_employed,93.65,2,none,1,497,1,digital_lender,6287.76,equipment,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Malawi,2021,rural,female,36,35-44,second,tertiary,unemployed,105.12,1,none,0,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,39,35-44,middle,secondary,employed_formal,358.34,6,limited,1,541,1,commercial_bank,6533.04,none,asset_purchase,1,5422.74,0.216,12,549.66,current,not_applicable,low_burden
Senegal,2024,urban,female,18,18-24,lowest,none,farmer,209.03,10,limited,0,80,1,digital_lender,6001.99,savings,emergency,1,4944.86,0.437,18,394.7,current,not_applicable,low_burden
Nigeria,2021,urban,female,33,25-34,middle,none,employed_informal,205.62,10,good,1,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,36,35-44,second,none,employed_informal,288.56,7,limited,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,urban,female,55,45-54,second,primary,farmer,157.58,8,limited,0,101,1,family_friends,2042.4,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2020,rural,female,24,18-24,highest,secondary,farmer,980.36,10,good,0,784,1,informal_lender,9816.72,guarantor,housing,1,8371.53,0.772,12,1236.06,current,not_applicable,low_burden
Niger,2021,rural,male,66,55+,lowest,primary,self_employed,135.16,3,none,1,310,1,commercial_bank,2245.44,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2019,urban,female,24,18-24,fourth,secondary,employed_informal,429.39,5,limited,0,202,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,male,51,45-54,second,primary,employed_formal,384.6,4,none,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,male,18,18-24,lowest,none,farmer,38.44,6,none,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,female,60,55+,lowest,primary,self_employed,95.38,10,excellent,0,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,female,54,45-54,second,tertiary,self_employed,373.12,1,none,0,579,1,commercial_bank,5542.95,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2023,urban,male,61,55+,second,primary,employed_informal,347.05,8,good,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,female,66,55+,second,primary,farmer,78.95,5,good,1,547,1,commercial_bank,3899.55,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2025,rural,male,61,55+,middle,none,employed_formal,173.17,10,good,0,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,50,45-54,middle,tertiary,self_employed,247.11,6,limited,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,61,55+,lowest,primary,farmer,82.14,5,limited,0,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,23,18-24,second,secondary,employed_informal,196.26,2,none,1,87,1,microfinance,3474.68,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2022,urban,female,51,45-54,lowest,none,self_employed,244.39,6,none,0,347,1,informal_lender,7389.68,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2023,rural,female,69,55+,lowest,none,self_employed,24.32,10,good,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,female,37,35-44,lowest,secondary,self_employed,75.96,1,none,1,105,1,commercial_bank,2575.35,none,housing,1,2373.75,0.215,12,240.42,current,not_applicable,low_burden
Uganda,2021,urban,male,68,55+,fourth,secondary,unemployed,150.94,1,limited,0,126,1,family_friends,4394.79,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2019,rural,male,44,35-44,fourth,secondary,self_employed,509.38,9,excellent,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,female,42,35-44,highest,primary,employed_formal,1460.52,6,none,0,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,urban,female,33,25-34,fourth,tertiary,employed_informal,5127.33,7,good,0,824,1,family_friends,47391.83,savings,education,1,40423.15,0.048,6,7061.61,current,not_applicable,low_burden
Rwanda,2024,rural,female,23,18-24,middle,secondary,self_employed,410.25,7,none,1,0,1,commercial_bank,7485.95,none,consumption,1,6478.5,0.213,24,327.49,current,not_applicable,low_burden
Niger,2021,rural,female,63,55+,second,tertiary,employed_informal,152.97,5,none,1,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,urban,female,55,45-54,lowest,none,farmer,107.42,5,limited,1,128,1,commercial_bank,2078.46,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2021,urban,male,38,35-44,middle,primary,employed_informal,239.05,7,limited,0,774,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,67,55+,second,primary,employed_informal,132.91,3,good,1,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,27,25-34,second,secondary,employed_informal,219.57,2,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,male,58,55+,highest,secondary,unemployed,250.38,6,none,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,41,35-44,lowest,primary,farmer,69.14,1,good,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,female,50,45-54,lowest,none,self_employed,64.65,2,limited,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,19,18-24,highest,none,employed_informal,2266.81,8,limited,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,female,49,45-54,second,none,unemployed,165.03,2,none,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,urban,male,53,45-54,second,secondary,unemployed,105.89,1,good,0,805,1,family_friends,2428.57,none,education,1,2202.27,0.008,12,184.96,paid_off,not_applicable,low_burden
DRC,2025,rural,female,68,55+,lowest,primary,self_employed,72.7,2,good,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,35,25-34,second,none,farmer,127.79,4,limited,1,667,1,family_friends,5894.24,none,agriculture,1,5465.25,0.021,12,465.08,defaulted,not_applicable,low_burden
Ghana,2019,urban,male,21,18-24,highest,primary,unemployed,904.06,1,none,0,676,1,employer,14234.63,savings,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2019,rural,female,21,18-24,fourth,none,employed_informal,134.7,6,excellent,1,824,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,female,25,18-24,middle,tertiary,employed_informal,267.5,5,good,1,842,1,digital_lender,4581.9,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2021,rural,female,33,25-34,second,primary,self_employed,80.87,10,limited,1,711,1,family_friends,1164.94,none,business,1,1067.04,0.0,36,29.64,current,not_applicable,low_burden
Uganda,2018,rural,female,61,55+,second,tertiary,self_employed,104.25,9,limited,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,28,25-34,middle,secondary,farmer,333.89,5,none,0,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,male,25,18-24,second,secondary,self_employed,75.65,6,none,1,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,male,19,18-24,lowest,primary,employed_informal,51.6,7,limited,1,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,37,35-44,fourth,secondary,self_employed,718.5,3,limited,0,793,1,microfinance,3927.96,property,consumption,1,3625.49,0.315,12,397.24,current,not_applicable,low_burden
Tanzania,2022,urban,female,49,45-54,highest,secondary,farmer,820.35,7,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,male,32,25-34,highest,none,employed_formal,4124.7,4,good,1,193,1,commercial_bank,15569.22,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2024,urban,male,43,35-44,fourth,tertiary,employed_informal,585.53,10,limited,1,119,1,commercial_bank,9068.18,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2021,urban,male,30,25-34,middle,primary,employed_formal,125.08,10,good,0,560,1,informal_lender,6324.91,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2021,urban,male,59,55+,fourth,primary,farmer,273.36,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,19,18-24,highest,primary,employed_formal,343.9,6,excellent,0,809,1,sacco,1529.35,vehicle,debt_consolidation,1,1428.69,0.358,12,161.71,paid_off,not_applicable,low_burden
Mali,2019,urban,male,28,25-34,lowest,secondary,employed_formal,50.44,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,male,47,45-54,second,primary,farmer,176.66,6,none,0,617,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,female,61,55+,lowest,primary,employed_formal,41.42,10,limited,0,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,38,35-44,highest,none,farmer,785.62,1,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,male,21,18-24,highest,primary,self_employed,1477.7,4,none,0,395,1,informal_lender,15631.71,property,consumption,1,15247.99,0.815,12,2305.66,late_30_days,not_applicable,low_burden
Niger,2020,urban,male,46,45-54,fourth,none,farmer,341.89,1,limited,0,585,1,commercial_bank,12158.35,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2019,urban,male,32,25-34,second,tertiary,employed_informal,289.56,10,none,1,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,male,33,25-34,highest,primary,employed_formal,304.98,5,good,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,65,55+,lowest,tertiary,employed_informal,46.47,1,none,0,580,1,informal_lender,556.99,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2021,urban,male,66,55+,lowest,secondary,unemployed,48.33,1,none,1,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,31,25-34,middle,secondary,farmer,368.03,10,none,1,173,1,family_friends,5301.63,none,business,1,4957.11,0.002,24,206.91,late_30_days,not_applicable,low_burden
Ghana,2019,urban,male,48,45-54,fourth,tertiary,employed_informal,238.41,6,limited,1,53,1,digital_lender,7048.27,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2019,urban,male,46,45-54,highest,primary,employed_informal,4217.83,2,none,1,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,female,67,55+,second,secondary,employed_informal,57.44,4,none,0,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,67,55+,second,none,employed_informal,268.64,5,none,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,36,35-44,second,none,employed_informal,334.66,9,none,0,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,female,19,18-24,lowest,primary,unemployed,111.63,1,limited,1,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,18,18-24,highest,secondary,employed_formal,689.81,5,limited,0,751,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,18,18-24,second,secondary,unemployed,444.43,4,none,1,347,1,microfinance,2458.65,guarantor,business,1,2321.43,0.272,12,246.16,late_30_days,not_applicable,low_burden
Ethiopia,2021,urban,female,58,55+,lowest,primary,employed_formal,506.74,8,none,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,56,55+,second,secondary,farmer,156.53,2,good,0,653,1,microfinance,2804.0,guarantor,education,1,2465.57,0.342,12,275.74,current,not_applicable,low_burden
Niger,2019,urban,male,61,55+,fourth,primary,self_employed,549.36,5,none,1,48,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,25,18-24,highest,none,employed_formal,451.08,8,good,1,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,female,21,18-24,lowest,none,farmer,39.64,3,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,26,25-34,lowest,secondary,employed_informal,124.27,3,excellent,0,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,50,45-54,highest,primary,unemployed,790.81,1,none,0,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,male,18,18-24,middle,primary,farmer,96.66,9,limited,0,250,1,sacco,4373.48,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2018,urban,female,52,45-54,second,none,unemployed,249.02,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,male,64,55+,lowest,secondary,farmer,109.56,6,excellent,0,352,1,informal_lender,2399.97,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2025,rural,male,25,18-24,highest,secondary,employed_informal,435.91,1,none,0,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,56,55+,fourth,none,self_employed,206.8,9,limited,0,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,female,46,45-54,lowest,secondary,farmer,81.04,4,none,0,63,1,sacco,2343.31,none,business,1,2317.37,0.279,12,247.05,current,not_applicable,low_burden
Nigeria,2022,rural,male,67,55+,lowest,secondary,employed_informal,185.77,10,limited,0,123,1,family_friends,4624.18,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2023,urban,male,30,25-34,lowest,primary,self_employed,118.77,1,limited,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,29,25-34,lowest,none,employed_informal,104.03,4,limited,1,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,18,18-24,lowest,tertiary,farmer,33.64,4,limited,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,54,45-54,lowest,primary,employed_informal,45.07,1,good,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,female,63,55+,lowest,primary,employed_formal,92.2,8,limited,0,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,male,18,18-24,second,tertiary,unemployed,69.93,1,none,1,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,urban,male,43,35-44,middle,secondary,farmer,344.94,5,none,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,55,45-54,second,secondary,employed_informal,171.35,6,limited,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,58,55+,fourth,secondary,employed_informal,478.83,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,66,55+,second,none,farmer,151.7,3,limited,0,253,1,family_friends,1852.16,savings,education,1,1781.13,0.022,18,101.13,current,not_applicable,low_burden
Rwanda,2022,urban,female,55,45-54,highest,secondary,employed_informal,1031.52,5,none,1,67,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,urban,male,65,55+,highest,primary,self_employed,640.86,7,excellent,0,373,1,microfinance,3498.95,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2020,rural,female,69,55+,highest,tertiary,farmer,291.09,4,limited,1,619,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,66,55+,lowest,primary,employed_informal,56.55,5,limited,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,40,35-44,lowest,none,employed_informal,150.13,10,good,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,39,35-44,middle,primary,employed_formal,611.18,10,good,1,414,1,commercial_bank,8625.29,none,business,1,7905.54,0.2,18,526.97,current,not_applicable,low_burden
Mozambique,2018,rural,female,40,35-44,lowest,secondary,employed_informal,47.3,1,none,1,648,1,commercial_bank,4167.1,none,debt_consolidation,1,3707.4,0.155,12,356.8,paid_off,not_applicable,low_burden
South Africa,2019,rural,male,67,55+,lowest,secondary,self_employed,46.62,4,none,1,30,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,rural,female,32,25-34,lowest,secondary,employed_informal,44.28,1,limited,0,69,1,family_friends,2918.6,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2020,rural,female,57,55+,middle,none,unemployed,147.03,5,none,1,355,1,commercial_bank,8352.4,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2024,rural,female,50,45-54,fourth,none,farmer,403.32,9,none,1,430,1,digital_lender,7096.11,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2024,urban,female,21,18-24,second,secondary,employed_informal,379.39,5,none,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,male,43,35-44,highest,primary,self_employed,3236.62,3,none,1,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,female,28,25-34,fourth,secondary,self_employed,184.46,8,none,0,635,1,informal_lender,12233.82,savings,business,1,9833.34,0.799,18,982.8,current,not_applicable,low_burden
Mali,2020,rural,male,55,45-54,lowest,tertiary,self_employed,95.03,2,none,1,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,41,35-44,second,secondary,self_employed,264.53,8,none,0,357,1,informal_lender,4850.18,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2019,rural,male,36,35-44,lowest,primary,employed_formal,47.82,10,limited,0,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,male,21,18-24,highest,secondary,employed_informal,323.8,2,none,1,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,24,18-24,fourth,tertiary,employed_informal,399.85,6,none,0,112,1,family_friends,6397.45,guarantor,education,1,6380.18,0.04,18,368.47,current,not_applicable,low_burden
Uganda,2023,rural,male,57,55+,fourth,secondary,employed_informal,1454.23,2,good,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,female,62,55+,fourth,secondary,farmer,593.86,7,limited,1,652,1,commercial_bank,8199.78,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2024,urban,male,33,25-34,second,primary,unemployed,104.3,3,good,1,805,1,informal_lender,2209.47,guarantor,consumption,1,1830.1,0.784,24,136.07,paid_off,not_applicable,low_burden
Malawi,2025,rural,female,61,55+,highest,secondary,farmer,594.8,1,excellent,0,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,46,45-54,highest,none,unemployed,445.94,6,limited,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,female,36,35-44,fourth,secondary,self_employed,334.04,3,good,1,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,male,41,35-44,second,tertiary,employed_informal,195.72,5,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,male,53,45-54,lowest,tertiary,unemployed,37.1,1,limited,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,male,65,55+,lowest,none,employed_formal,9.2,10,limited,0,635,1,microfinance,794.72,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2024,rural,male,43,35-44,lowest,secondary,employed_formal,73.12,10,limited,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,female,36,35-44,middle,none,unemployed,140.78,6,none,1,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,urban,male,57,55+,fourth,primary,farmer,290.86,4,excellent,0,486,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,45,35-44,highest,secondary,unemployed,390.26,2,none,0,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,38,35-44,lowest,primary,employed_informal,79.72,6,good,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,female,41,35-44,second,primary,farmer,91.18,3,excellent,0,251,1,family_friends,1779.4,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2018,urban,male,45,35-44,lowest,secondary,employed_informal,172.37,10,good,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,25,18-24,highest,secondary,employed_informal,1929.53,9,none,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,21,18-24,fourth,secondary,unemployed,272.84,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,male,52,45-54,middle,secondary,self_employed,207.21,5,limited,1,279,1,family_friends,3030.79,savings,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2021,urban,female,27,25-34,middle,secondary,farmer,326.27,2,limited,1,68,1,commercial_bank,17559.84,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2022,rural,male,45,35-44,middle,primary,unemployed,180.65,1,none,0,619,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,58,55+,second,none,unemployed,53.07,2,limited,1,44,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,29,25-34,lowest,secondary,employed_formal,230.03,10,good,0,248,1,informal_lender,13154.34,none,agriculture,1,11862.8,0.775,12,1754.96,paid_off,not_applicable,low_burden
Nigeria,2019,rural,female,37,35-44,second,secondary,employed_informal,200.01,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,female,68,55+,lowest,primary,unemployed,43.55,4,none,0,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,female,19,18-24,middle,none,self_employed,52.29,8,limited,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,male,57,55+,second,tertiary,self_employed,106.91,9,limited,0,491,1,informal_lender,2671.46,savings,housing,1,2319.79,0.791,48,86.55,current,not_applicable,low_burden
Ethiopia,2019,urban,female,26,25-34,fourth,tertiary,employed_formal,325.95,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,65,55+,middle,secondary,employed_formal,285.98,7,limited,1,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,39,35-44,middle,secondary,unemployed,43.97,4,none,0,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,urban,female,18,18-24,highest,tertiary,self_employed,711.76,3,limited,0,850,1,microfinance,5377.33,savings,asset_purchase,1,4652.53,0.288,18,332.99,current,not_applicable,low_burden
DRC,2024,urban,male,55,45-54,second,secondary,farmer,135.69,7,good,0,238,1,informal_lender,985.93,guarantor,asset_purchase,1,871.46,0.845,24,67.01,late_30_days,not_applicable,low_burden
Ghana,2020,urban,male,25,18-24,middle,primary,employed_informal,260.79,1,none,0,0,1,sacco,2553.12,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2023,rural,male,36,35-44,lowest,secondary,employed_informal,51.06,1,none,0,179,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,44,35-44,fourth,tertiary,self_employed,510.25,2,limited,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,56,55+,middle,secondary,unemployed,580.07,2,none,0,596,1,family_friends,3924.33,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2022,urban,male,39,35-44,lowest,none,employed_informal,62.67,10,excellent,1,606,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,62,55+,lowest,tertiary,employed_informal,31.83,6,none,0,690,1,informal_lender,1552.11,guarantor,agriculture,1,1419.39,0.782,12,210.74,current,not_applicable,low_burden
Uganda,2023,urban,female,43,35-44,fourth,secondary,self_employed,146.82,6,none,0,450,1,informal_lender,2620.68,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2023,urban,female,35,25-34,middle,primary,employed_formal,208.63,10,excellent,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,35,25-34,middle,tertiary,self_employed,75.0,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,59,55+,second,secondary,self_employed,237.55,6,none,1,0,1,digital_lender,5081.17,savings,agriculture,1,4075.11,0.473,12,500.18,paid_off,not_applicable,low_burden
Tanzania,2018,urban,male,52,45-54,middle,secondary,employed_formal,278.95,10,none,1,622,1,digital_lender,7581.19,guarantor,housing,1,6298.59,0.429,18,500.13,current,not_applicable,low_burden
Nigeria,2025,rural,female,24,18-24,middle,tertiary,self_employed,386.04,5,excellent,1,412,1,commercial_bank,3502.89,guarantor,consumption,1,3231.89,0.156,18,207.6,current,not_applicable,low_burden
South Africa,2020,rural,female,57,55+,lowest,none,employed_formal,168.06,10,excellent,1,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,39,35-44,middle,secondary,farmer,162.84,5,none,1,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,36,35-44,middle,primary,farmer,156.83,9,limited,0,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,23,18-24,fourth,tertiary,farmer,1249.5,10,limited,0,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,69,55+,second,tertiary,farmer,138.49,9,none,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,female,20,18-24,second,secondary,self_employed,260.7,4,none,0,479,1,commercial_bank,10977.96,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2022,rural,female,69,55+,highest,secondary,employed_informal,1368.41,4,good,1,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,urban,male,21,18-24,highest,secondary,self_employed,1855.44,8,none,1,105,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,44,35-44,lowest,primary,employed_formal,80.28,10,limited,1,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,23,18-24,highest,primary,farmer,1764.76,7,none,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,43,35-44,lowest,none,employed_formal,57.43,10,limited,0,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,61,55+,highest,secondary,self_employed,955.19,5,none,1,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,48,45-54,lowest,secondary,self_employed,53.23,9,none,0,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,male,46,45-54,second,secondary,farmer,369.7,5,none,0,555,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,24,18-24,highest,primary,employed_informal,606.55,7,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,male,67,55+,lowest,secondary,self_employed,27.67,6,none,1,56,1,commercial_bank,2355.1,guarantor,education,1,2232.32,0.178,12,219.19,current,not_applicable,low_burden
Ghana,2024,rural,female,37,35-44,fourth,primary,self_employed,521.53,9,none,1,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,male,45,35-44,middle,tertiary,unemployed,97.93,4,none,0,553,1,family_friends,5352.55,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2025,rural,male,64,55+,lowest,tertiary,farmer,27.52,9,none,0,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,male,50,45-54,highest,secondary,employed_informal,1609.64,2,good,0,433,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,56,55+,middle,secondary,farmer,393.36,3,none,1,736,1,microfinance,4195.55,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2019,urban,male,27,25-34,highest,none,employed_formal,779.43,10,limited,1,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,male,41,35-44,highest,none,employed_informal,117.51,2,limited,1,310,1,commercial_bank,4686.64,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2020,rural,male,46,45-54,lowest,secondary,employed_formal,87.5,10,good,1,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,male,27,25-34,second,secondary,self_employed,287.74,7,good,0,850,1,digital_lender,6329.21,none,housing,1,5917.92,0.473,24,363.27,late_60_days,not_applicable,low_burden
DRC,2020,urban,female,38,35-44,second,none,self_employed,259.85,4,none,1,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,61,55+,middle,primary,self_employed,278.08,1,good,1,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,male,66,55+,lowest,secondary,farmer,53.06,1,good,0,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,male,60,55+,second,none,self_employed,91.01,9,good,1,327,1,microfinance,7360.81,savings,housing,1,7347.55,0.27,12,777.86,paid_off,not_applicable,low_burden
Malawi,2019,urban,female,66,55+,fourth,primary,employed_informal,226.79,2,excellent,0,721,1,informal_lender,6487.19,none,business,1,5251.68,0.767,18,515.57,late_30_days,not_applicable,low_burden
Zambia,2023,rural,female,69,55+,lowest,primary,self_employed,36.97,8,limited,0,581,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,28,25-34,fourth,tertiary,farmer,616.07,2,none,0,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,female,62,55+,second,primary,self_employed,153.68,4,none,0,468,1,informal_lender,6269.01,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2022,urban,male,50,45-54,lowest,none,self_employed,156.21,2,good,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,62,55+,lowest,none,self_employed,22.51,7,good,0,797,1,sacco,1287.06,guarantor,business,1,1162.27,0.347,12,130.51,current,not_applicable,low_burden
Niger,2019,rural,male,51,45-54,lowest,none,self_employed,18.86,2,none,0,117,1,sacco,3386.58,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2022,rural,female,24,18-24,middle,secondary,employed_informal,153.32,7,limited,0,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,47,45-54,lowest,primary,farmer,44.01,10,none,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,57,55+,fourth,primary,employed_informal,375.59,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,24,18-24,fourth,tertiary,employed_formal,196.65,10,none,1,234,1,digital_lender,1926.59,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2018,rural,female,44,35-44,lowest,secondary,farmer,137.62,10,none,0,283,1,family_friends,2549.04,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2021,urban,female,52,45-54,highest,none,farmer,557.17,9,limited,1,801,1,digital_lender,7429.81,guarantor,consumption,1,6565.71,0.435,12,785.31,late_30_days,not_applicable,low_burden
Kenya,2019,urban,male,42,35-44,highest,primary,self_employed,3020.54,8,none,0,469,1,microfinance,6175.79,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2025,rural,male,59,55+,lowest,secondary,self_employed,86.95,6,limited,0,36,1,employer,1722.28,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2022,rural,male,24,18-24,highest,secondary,unemployed,317.24,1,limited,1,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,35,25-34,second,tertiary,self_employed,525.65,7,good,0,602,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,male,67,55+,middle,none,self_employed,359.29,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,44,35-44,lowest,secondary,self_employed,67.67,9,none,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,27,25-34,fourth,none,self_employed,469.97,9,limited,0,763,1,microfinance,3370.84,guarantor,agriculture,1,2830.78,0.356,12,319.77,current,not_applicable,low_burden
South Africa,2023,urban,male,24,18-24,fourth,primary,self_employed,681.91,3,limited,1,713,1,digital_lender,8538.62,savings,business,1,8351.6,0.413,12,983.63,current,not_applicable,low_burden
Tanzania,2022,rural,female,48,45-54,highest,secondary,unemployed,959.21,4,none,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,female,66,55+,highest,secondary,employed_informal,540.68,7,limited,0,360,1,family_friends,5637.01,none,business,1,4671.42,0.081,18,280.62,current,not_applicable,low_burden
Tanzania,2022,rural,female,20,18-24,lowest,none,employed_informal,51.87,9,excellent,0,588,1,sacco,4359.08,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2024,urban,male,23,18-24,middle,primary,self_employed,323.54,9,none,0,0,1,microfinance,15613.95,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2022,urban,male,37,35-44,second,secondary,self_employed,272.12,8,none,1,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,28,25-34,lowest,none,farmer,91.66,10,excellent,0,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,urban,female,24,18-24,lowest,primary,unemployed,100.84,1,good,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,male,33,25-34,highest,primary,farmer,451.73,5,none,1,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,51,45-54,fourth,none,unemployed,216.42,1,good,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,60,55+,lowest,secondary,employed_informal,39.03,9,none,0,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,33,25-34,highest,none,employed_informal,1005.4,3,good,0,584,1,family_friends,9344.31,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2020,urban,female,54,45-54,fourth,secondary,employed_informal,319.62,6,limited,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,male,60,55+,second,secondary,farmer,158.24,2,limited,1,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,18,18-24,middle,none,employed_informal,352.39,3,good,0,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,62,55+,fourth,secondary,employed_informal,330.65,7,good,0,564,1,informal_lender,3749.42,property,asset_purchase,1,3377.93,0.812,12,510.13,current,not_applicable,low_burden
DRC,2025,rural,male,27,25-34,fourth,primary,self_employed,328.45,3,none,0,0,1,employer,6339.66,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2018,rural,female,53,45-54,second,secondary,employed_informal,64.38,6,limited,1,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,57,55+,middle,secondary,self_employed,241.42,5,good,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,female,61,55+,lowest,secondary,unemployed,72.19,3,limited,1,599,1,digital_lender,1626.89,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Malawi,2024,rural,male,38,35-44,middle,primary,employed_informal,188.26,3,none,0,0,1,family_friends,3919.28,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2021,rural,male,52,45-54,second,secondary,self_employed,272.84,5,none,0,220,1,informal_lender,20681.21,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2023,rural,female,19,18-24,second,secondary,employed_formal,172.78,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,female,41,35-44,second,primary,employed_informal,81.35,6,none,1,564,1,microfinance,2584.12,property,housing,1,2166.59,0.287,12,232.34,current,not_applicable,low_burden
Mali,2023,rural,male,68,55+,middle,none,employed_informal,180.2,2,limited,0,683,1,family_friends,4798.43,guarantor,education,1,4257.62,0.001,12,355.24,late_60_days,not_applicable,low_burden
Niger,2018,urban,male,26,25-34,second,none,self_employed,554.42,8,limited,0,558,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,female,25,18-24,second,primary,self_employed,97.82,9,none,0,53,1,family_friends,2849.85,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2019,rural,female,54,45-54,lowest,primary,self_employed,61.94,5,none,1,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,male,44,35-44,highest,tertiary,farmer,1057.03,9,none,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,female,41,35-44,lowest,tertiary,employed_informal,104.48,4,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,30,25-34,second,none,farmer,93.44,9,good,0,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,26,25-34,lowest,tertiary,farmer,53.41,6,none,0,726,1,commercial_bank,1934.2,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2018,rural,female,56,55+,fourth,secondary,employed_formal,327.42,9,none,1,696,1,sacco,6774.14,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2019,rural,female,36,35-44,second,primary,employed_informal,192.28,5,limited,1,31,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,female,58,55+,second,tertiary,employed_formal,456.21,10,good,1,581,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,female,41,35-44,highest,secondary,employed_formal,238.07,10,none,1,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,38,35-44,fourth,secondary,employed_informal,1689.63,5,none,1,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,female,29,25-34,middle,primary,employed_informal,163.44,8,limited,0,754,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,male,52,45-54,second,primary,unemployed,231.76,1,limited,1,579,1,commercial_bank,2063.3,savings,agriculture,1,1976.86,0.218,12,200.67,current,not_applicable,low_burden
Tanzania,2021,urban,female,32,25-34,highest,tertiary,unemployed,591.13,5,limited,0,399,1,family_friends,5816.12,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2019,rural,male,65,55+,highest,primary,self_employed,215.02,5,none,1,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,male,39,35-44,fourth,none,farmer,196.22,9,good,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,60,55+,fourth,primary,unemployed,261.56,1,limited,1,244,1,digital_lender,2055.6,property,business,1,1932.51,0.429,12,230.11,current,not_applicable,low_burden
Zambia,2018,rural,female,42,35-44,highest,primary,self_employed,958.32,6,good,1,695,1,microfinance,19688.36,guarantor,emergency,1,18508.68,0.294,24,998.03,current,not_applicable,low_burden
Kenya,2018,urban,female,39,35-44,highest,primary,self_employed,1012.47,7,excellent,0,449,1,employer,14405.83,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2024,rural,female,41,35-44,lowest,tertiary,farmer,50.56,6,limited,0,672,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,40,35-44,highest,primary,unemployed,1452.34,1,none,0,294,1,digital_lender,5804.3,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2024,rural,male,42,35-44,fourth,tertiary,farmer,330.2,1,limited,0,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,64,55+,middle,secondary,employed_formal,243.27,10,limited,1,72,1,microfinance,1480.92,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2021,rural,female,54,45-54,second,secondary,farmer,1070.67,3,none,0,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,19,18-24,second,none,employed_informal,120.63,2,none,1,723,1,microfinance,4578.87,savings,emergency,1,3860.05,0.288,12,414.44,late_30_days,not_applicable,low_burden
Uganda,2024,urban,female,21,18-24,fourth,primary,employed_informal,302.24,9,none,1,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,urban,female,19,18-24,middle,tertiary,self_employed,417.79,1,good,1,478,1,commercial_bank,5449.78,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2018,rural,male,53,45-54,lowest,secondary,farmer,100.7,8,good,0,664,1,microfinance,12206.14,property,consumption,1,9820.71,0.306,18,712.27,current,not_applicable,low_burden
Rwanda,2025,urban,female,28,25-34,middle,primary,employed_informal,368.34,4,limited,0,728,1,informal_lender,12336.72,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2025,rural,male,38,35-44,lowest,tertiary,employed_informal,67.23,8,good,1,770,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,male,61,55+,middle,secondary,farmer,842.08,3,limited,1,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,24,18-24,middle,none,employed_informal,517.18,8,good,0,331,1,microfinance,8917.99,none,housing,1,8418.71,0.322,12,927.73,current,not_applicable,low_burden
Nigeria,2023,rural,male,25,18-24,middle,secondary,farmer,184.26,10,none,0,618,1,family_friends,2940.6,vehicle,emergency,1,2414.88,0.048,12,210.85,paid_off,not_applicable,low_burden
Kenya,2018,urban,male,22,18-24,lowest,secondary,self_employed,57.28,6,none,0,729,1,digital_lender,2172.69,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2022,urban,female,32,25-34,lowest,secondary,self_employed,121.36,6,limited,1,555,1,commercial_bank,4099.66,equipment,business,1,3599.66,0.215,12,364.5,current,not_applicable,low_burden
Kenya,2018,rural,male,22,18-24,second,none,employed_formal,77.0,10,good,1,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,female,50,45-54,middle,primary,unemployed,371.64,1,good,0,657,1,microfinance,6606.93,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2019,rural,female,56,55+,highest,primary,unemployed,893.51,2,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,27,25-34,fourth,primary,employed_informal,2137.39,7,good,0,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,male,45,35-44,fourth,none,farmer,924.84,1,none,1,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,33,25-34,second,secondary,farmer,85.05,5,none,0,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,22,18-24,lowest,secondary,employed_informal,41.89,6,none,0,667,1,digital_lender,1470.72,equipment,consumption,1,1424.81,0.42,6,337.14,paid_off,not_applicable,low_burden
DRC,2018,urban,female,42,35-44,highest,none,self_employed,259.45,3,limited,1,639,1,digital_lender,2040.87,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2024,urban,male,54,45-54,middle,secondary,farmer,66.81,5,limited,1,435,1,family_friends,8589.06,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2022,rural,female,29,25-34,lowest,none,self_employed,65.24,4,none,1,665,1,commercial_bank,2730.41,none,business,1,2407.94,0.205,6,483.45,paid_off,not_applicable,low_burden
Malawi,2020,rural,female,58,55+,middle,primary,unemployed,86.8,2,limited,0,2,1,microfinance,3862.86,property,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2025,rural,female,69,55+,fourth,secondary,employed_formal,1040.18,6,good,0,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,20,18-24,second,tertiary,unemployed,272.83,5,none,1,616,1,commercial_bank,2821.87,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2023,rural,female,26,25-34,lowest,primary,unemployed,49.81,3,limited,1,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,male,33,25-34,middle,tertiary,employed_informal,237.1,7,none,0,664,1,informal_lender,10131.55,none,business,1,9048.34,0.841,12,1388.11,current,not_applicable,low_burden
Ghana,2023,rural,female,62,55+,lowest,tertiary,self_employed,170.39,9,limited,0,836,1,microfinance,7304.37,guarantor,business,1,7242.92,0.274,24,384.38,paid_off,not_applicable,low_burden
Tanzania,2022,rural,female,25,18-24,second,secondary,self_employed,402.84,1,limited,0,221,1,microfinance,5717.59,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mali,2025,rural,female,42,35-44,fourth,tertiary,unemployed,171.66,1,none,1,650,1,digital_lender,4452.4,none,agriculture,1,4371.42,0.475,12,537.36,late_60_days,not_applicable,low_burden
Ghana,2021,rural,male,45,35-44,highest,primary,employed_informal,315.92,2,limited,1,565,1,digital_lender,5937.59,none,consumption,1,4857.99,0.427,18,385.25,current,not_applicable,low_burden
Zambia,2023,rural,female,24,18-24,second,none,employed_informal,98.25,7,limited,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,male,20,18-24,lowest,secondary,farmer,81.46,4,none,0,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,24,18-24,middle,primary,self_employed,139.6,8,good,1,744,1,commercial_bank,3834.8,savings,business,1,3732.68,0.175,6,730.84,defaulted,not_applicable,low_burden
Niger,2019,rural,female,20,18-24,second,primary,self_employed,166.48,10,good,0,836,1,informal_lender,5419.15,none,agriculture,1,4871.38,0.756,36,237.63,current,not_applicable,low_burden
Malawi,2024,rural,female,44,35-44,highest,none,self_employed,2600.68,4,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,urban,male,66,55+,fourth,none,unemployed,183.85,1,none,1,518,1,digital_lender,5056.19,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2020,rural,female,36,35-44,second,none,employed_informal,88.8,5,none,0,297,1,commercial_bank,2719.17,guarantor,education,1,2609.31,0.159,12,252.11,current,not_applicable,low_burden
Malawi,2023,urban,female,31,25-34,fourth,primary,unemployed,186.31,1,none,0,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,female,30,25-34,second,tertiary,self_employed,67.54,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,69,55+,middle,primary,unemployed,162.72,1,limited,1,214,1,sacco,1905.94,none,consumption,1,1658.97,0.281,12,177.12,current,not_applicable,low_burden
Ghana,2022,rural,female,67,55+,highest,secondary,employed_formal,399.12,7,good,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,female,51,45-54,lowest,none,self_employed,129.32,5,none,0,16,1,sacco,3454.41,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2025,rural,female,42,35-44,second,primary,farmer,134.83,5,limited,1,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,male,26,25-34,highest,tertiary,farmer,818.63,5,limited,0,776,1,informal_lender,11479.34,vehicle,business,1,11381.14,0.773,12,1681.83,defaulted,not_applicable,low_burden
Uganda,2020,urban,female,66,55+,second,primary,employed_formal,146.0,6,limited,1,19,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,18,18-24,second,primary,self_employed,104.39,7,good,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,male,26,25-34,lowest,secondary,employed_formal,70.3,8,none,0,716,1,digital_lender,4124.44,guarantor,asset_purchase,1,3956.63,0.403,48,115.67,paid_off,not_applicable,low_burden
Ethiopia,2024,rural,female,53,45-54,second,none,employed_informal,101.93,3,limited,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,male,27,25-34,middle,none,farmer,400.06,8,none,0,509,1,family_friends,12084.81,equipment,emergency,1,10754.05,0.094,18,653.54,current,not_applicable,low_burden
Nigeria,2018,rural,female,23,18-24,second,tertiary,unemployed,31.56,5,none,1,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,48,45-54,second,primary,self_employed,148.39,4,limited,1,668,1,microfinance,8674.87,guarantor,agriculture,1,7565.73,0.36,6,1714.31,late_30_days,not_applicable,low_burden
Kenya,2025,rural,male,19,18-24,second,secondary,employed_formal,66.04,9,none,1,520,1,digital_lender,4095.63,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2018,urban,male,32,25-34,middle,none,employed_informal,235.36,10,none,0,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,male,51,45-54,highest,primary,self_employed,222.57,4,none,1,826,1,commercial_bank,4870.56,guarantor,education,1,4102.03,0.195,12,408.53,current,not_applicable,low_burden
Ethiopia,2023,rural,male,27,25-34,middle,primary,employed_informal,155.59,3,none,1,129,1,sacco,4638.62,savings,consumption,1,3966.38,0.303,24,215.26,paid_off,not_applicable,low_burden
Niger,2019,urban,female,57,55+,middle,secondary,farmer,362.43,4,none,1,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,female,22,18-24,fourth,primary,employed_informal,677.41,5,none,0,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,49,45-54,lowest,tertiary,employed_informal,39.17,5,none,1,508,1,family_friends,1551.88,property,consumption,1,1378.71,0.094,24,62.87,current,not_applicable,low_burden
Nigeria,2019,rural,male,21,18-24,second,secondary,farmer,161.5,7,limited,1,578,1,microfinance,6188.48,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2022,urban,female,56,55+,lowest,secondary,employed_informal,199.57,3,limited,0,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,rural,male,57,55+,second,primary,self_employed,85.86,6,excellent,0,658,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,59,55+,highest,secondary,self_employed,664.45,2,good,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,32,25-34,second,secondary,employed_formal,28.51,10,good,0,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,30,25-34,highest,none,self_employed,354.39,3,limited,1,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,68,55+,lowest,tertiary,self_employed,72.8,4,none,1,592,1,sacco,6181.66,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2019,urban,female,55,45-54,second,primary,farmer,353.24,2,none,1,280,1,digital_lender,9774.9,none,consumption,1,8512.41,0.497,6,2124.1,current,not_applicable,low_burden
Mozambique,2022,rural,male,27,25-34,second,tertiary,employed_informal,79.74,4,excellent,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,female,19,18-24,lowest,tertiary,self_employed,582.24,10,excellent,0,788,1,family_friends,8918.35,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2023,urban,female,36,35-44,second,none,farmer,225.44,6,limited,0,337,1,informal_lender,3786.52,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2019,rural,male,52,45-54,middle,primary,employed_formal,82.02,10,limited,0,25,1,informal_lender,2365.3,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2023,urban,male,37,35-44,middle,secondary,employed_formal,734.61,9,none,0,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,60,55+,fourth,secondary,employed_informal,204.64,4,none,0,6,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,female,44,35-44,highest,secondary,employed_formal,835.66,10,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,69,55+,middle,none,employed_formal,155.69,7,none,0,179,1,family_friends,3430.42,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2022,urban,female,63,55+,highest,secondary,unemployed,383.03,4,limited,1,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,42,35-44,lowest,tertiary,self_employed,118.13,10,good,1,797,1,employer,2183.34,guarantor,emergency,1,2027.93,0.079,12,182.42,late_60_days,not_applicable,low_burden
Rwanda,2018,rural,male,61,55+,second,tertiary,self_employed,101.14,1,good,1,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,41,35-44,second,none,employed_informal,405.97,2,good,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,male,18,18-24,middle,tertiary,employed_formal,146.32,10,none,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,34,25-34,middle,none,farmer,67.13,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,39,35-44,middle,secondary,farmer,142.96,8,limited,0,814,1,family_friends,4303.66,guarantor,agriculture,1,3989.96,0.068,6,710.32,late_30_days,not_applicable,low_burden
Kenya,2022,urban,female,68,55+,highest,primary,unemployed,7492.62,1,limited,1,625,1,commercial_bank,3312.39,savings,housing,1,2778.09,0.163,6,538.43,current,not_applicable,low_burden
Senegal,2024,urban,male,61,55+,second,secondary,employed_formal,324.43,9,excellent,1,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,25,18-24,fourth,none,employed_informal,724.91,7,none,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,18,18-24,middle,primary,farmer,301.62,4,none,1,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,male,45,35-44,middle,primary,employed_informal,212.5,9,none,0,735,1,family_friends,3092.65,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2025,rural,male,45,35-44,second,tertiary,employed_formal,819.64,10,limited,1,782,1,commercial_bank,7627.6,none,education,1,6499.87,0.218,6,1319.83,late_30_days,not_applicable,low_burden
Ethiopia,2023,rural,female,56,55+,second,secondary,employed_informal,167.16,3,none,0,419,1,informal_lender,17423.56,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2023,urban,female,31,25-34,second,secondary,employed_formal,233.54,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,60,55+,fourth,secondary,farmer,657.02,7,none,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,urban,male,39,35-44,middle,primary,unemployed,122.37,1,none,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,female,35,25-34,lowest,none,self_employed,48.56,9,limited,0,657,1,informal_lender,2388.75,savings,emergency,1,1932.6,0.8,12,289.89,late_60_days,not_applicable,low_burden
Kenya,2021,rural,male,39,35-44,fourth,none,self_employed,277.68,4,none,0,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,67,55+,middle,primary,farmer,400.31,3,good,1,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,38,35-44,highest,tertiary,self_employed,267.65,8,limited,1,803,1,commercial_bank,4801.76,equipment,agriculture,1,4208.7,0.193,6,836.99,current,not_applicable,low_burden
Ethiopia,2019,rural,male,47,45-54,middle,primary,farmer,190.79,2,none,0,0,1,family_friends,2482.57,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2018,urban,female,64,55+,middle,secondary,self_employed,257.78,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,male,18,18-24,middle,secondary,unemployed,66.44,1,none,1,0,1,commercial_bank,7561.35,equipment,agriculture,1,6765.06,0.147,24,323.41,current,not_applicable,low_burden
Ghana,2018,urban,male,45,35-44,fourth,tertiary,employed_informal,344.49,5,none,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,54,45-54,second,primary,self_employed,177.31,7,limited,1,256,1,informal_lender,2440.56,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2018,rural,female,64,55+,lowest,tertiary,farmer,21.33,9,excellent,0,845,1,digital_lender,5864.23,guarantor,consumption,1,4814.64,0.402,12,562.57,current,not_applicable,low_burden
Ghana,2023,urban,male,21,18-24,highest,secondary,unemployed,2660.45,4,none,1,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,55,45-54,fourth,secondary,unemployed,457.58,1,none,0,0,1,commercial_bank,3721.55,none,agriculture,1,3040.6,0.229,12,311.35,late_30_days,not_applicable,low_burden
Uganda,2019,rural,male,59,55+,middle,secondary,self_employed,254.81,8,good,1,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,36,35-44,middle,primary,farmer,201.15,4,limited,0,644,1,informal_lender,7355.4,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2025,urban,female,56,55+,fourth,secondary,employed_informal,228.99,6,none,0,0,1,family_friends,4254.83,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2024,urban,female,43,35-44,lowest,secondary,self_employed,57.03,7,limited,1,101,1,sacco,1810.84,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Nigeria,2025,urban,male,52,45-54,second,secondary,employed_informal,233.13,6,none,1,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,female,38,35-44,lowest,tertiary,self_employed,56.95,1,none,0,0,1,family_friends,4647.98,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2023,rural,male,27,25-34,lowest,secondary,unemployed,68.75,1,excellent,0,319,1,family_friends,6061.19,none,business,1,5173.6,0.062,48,114.48,late_30_days,not_applicable,low_burden
Tanzania,2019,urban,female,61,55+,lowest,none,farmer,47.9,2,limited,0,783,1,commercial_bank,2120.05,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,urban,male,29,25-34,fourth,primary,self_employed,674.73,1,none,1,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,rural,female,27,25-34,lowest,tertiary,employed_informal,87.06,8,excellent,1,850,1,commercial_bank,2955.12,none,consumption,1,2654.54,0.199,12,265.13,current,not_applicable,low_burden
Nigeria,2020,urban,male,64,55+,fourth,secondary,self_employed,157.42,2,none,1,133,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,66,55+,highest,tertiary,employed_informal,696.06,3,none,0,630,1,sacco,5355.03,property,housing,1,5337.28,0.275,6,1134.21,late_30_days,not_applicable,low_burden
Malawi,2022,rural,male,49,45-54,lowest,primary,employed_formal,20.76,7,excellent,1,668,1,commercial_bank,1960.82,guarantor,business,1,1927.51,0.172,12,188.28,current,not_applicable,low_burden
Senegal,2018,urban,female,48,45-54,fourth,secondary,unemployed,133.7,1,limited,1,757,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,36,35-44,second,tertiary,self_employed,80.05,9,good,0,272,1,informal_lender,1503.9,savings,business,1,1322.95,0.778,12,196.06,current,not_applicable,low_burden
Niger,2020,urban,female,49,45-54,highest,secondary,employed_formal,7017.48,4,none,0,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,49,45-54,middle,primary,farmer,344.15,2,none,0,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,44,35-44,second,none,employed_formal,321.43,6,excellent,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,rural,male,52,45-54,second,tertiary,self_employed,185.71,1,none,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,46,45-54,highest,secondary,employed_informal,766.72,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,female,63,55+,lowest,primary,employed_informal,112.74,2,good,0,663,1,sacco,659.94,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2024,rural,female,52,45-54,fourth,secondary,self_employed,210.74,4,none,0,659,1,digital_lender,1386.6,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2018,urban,female,38,35-44,lowest,primary,farmer,124.92,2,good,1,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,male,52,45-54,middle,primary,self_employed,680.13,10,good,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,female,29,25-34,second,none,farmer,197.93,8,good,1,774,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,male,29,25-34,lowest,primary,unemployed,143.78,3,none,1,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,60,55+,lowest,secondary,farmer,68.45,6,limited,1,691,1,microfinance,2388.04,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2019,rural,male,48,45-54,second,primary,unemployed,396.54,3,none,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,urban,male,20,18-24,fourth,secondary,unemployed,425.2,6,none,0,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,female,36,35-44,fourth,primary,farmer,2166.14,2,good,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,female,69,55+,lowest,none,employed_informal,90.0,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,male,51,45-54,middle,primary,employed_informal,228.05,2,none,0,564,1,informal_lender,2312.89,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2021,rural,male,63,55+,lowest,none,farmer,26.39,5,limited,1,43,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,female,46,45-54,fourth,secondary,farmer,187.3,9,excellent,0,362,1,employer,3786.79,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2020,rural,female,20,18-24,fourth,tertiary,farmer,168.47,7,limited,0,410,1,family_friends,2864.63,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2023,rural,male,27,25-34,highest,secondary,self_employed,624.04,7,none,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,22,18-24,highest,secondary,farmer,272.2,1,none,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,female,56,55+,second,tertiary,farmer,299.84,9,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,female,57,55+,second,secondary,farmer,195.55,8,excellent,0,717,1,sacco,2705.81,none,agriculture,1,2465.58,0.354,12,278.11,late_30_days,not_applicable,low_burden
Ghana,2021,rural,female,41,35-44,highest,secondary,employed_formal,697.44,7,none,0,624,1,digital_lender,4651.03,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2019,rural,male,55,45-54,lowest,secondary,self_employed,26.64,4,none,1,444,1,commercial_bank,3370.06,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2018,urban,female,46,45-54,lowest,primary,employed_formal,52.46,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,56,55+,second,none,employed_formal,25.64,10,good,0,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,female,52,45-54,fourth,secondary,self_employed,1023.29,6,excellent,0,610,1,informal_lender,9214.0,equipment,business,1,8402.54,0.799,12,1259.37,current,not_applicable,low_burden
Tanzania,2020,urban,male,41,35-44,fourth,secondary,employed_formal,182.35,10,good,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,51,45-54,highest,primary,unemployed,259.56,1,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,34,25-34,second,tertiary,self_employed,326.21,7,excellent,0,506,1,informal_lender,12962.52,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2019,rural,male,56,55+,second,none,farmer,159.11,9,limited,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,male,65,55+,second,secondary,employed_informal,196.93,8,limited,0,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,28,25-34,fourth,tertiary,farmer,418.43,4,none,0,143,1,family_friends,5955.8,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2021,rural,female,52,45-54,lowest,primary,self_employed,117.45,5,limited,0,309,1,sacco,1073.25,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2025,rural,female,23,18-24,highest,tertiary,self_employed,712.11,5,none,1,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,urban,male,37,35-44,middle,secondary,self_employed,101.28,4,good,0,98,1,sacco,1701.72,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2020,urban,male,52,45-54,fourth,secondary,self_employed,821.84,2,none,0,0,1,commercial_bank,7854.1,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2019,rural,female,32,25-34,fourth,tertiary,self_employed,443.17,2,none,1,637,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,30,25-34,middle,secondary,farmer,454.14,7,excellent,1,389,1,sacco,6687.78,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2023,urban,male,37,35-44,fourth,primary,farmer,205.19,3,good,0,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,23,18-24,second,secondary,employed_informal,108.61,8,good,0,667,1,employer,2302.59,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,rural,female,50,45-54,fourth,primary,unemployed,433.89,4,limited,1,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,24,18-24,fourth,primary,self_employed,170.23,5,none,0,60,1,digital_lender,2426.9,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2025,rural,female,35,25-34,middle,none,employed_informal,38.53,4,none,1,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,34,25-34,lowest,primary,employed_informal,69.16,10,good,0,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,68,55+,highest,secondary,self_employed,1242.43,1,good,1,398,1,microfinance,6003.36,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2025,rural,female,69,55+,highest,tertiary,employed_informal,606.72,3,none,1,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,22,18-24,middle,tertiary,farmer,437.91,7,none,1,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,26,25-34,highest,primary,self_employed,880.66,9,none,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,female,56,55+,middle,secondary,unemployed,300.57,1,limited,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,33,25-34,second,secondary,employed_formal,133.42,10,none,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,male,51,45-54,second,none,self_employed,465.31,3,none,0,650,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,male,65,55+,lowest,secondary,employed_formal,30.67,10,none,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,female,26,25-34,middle,primary,self_employed,343.59,6,limited,0,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,male,68,55+,middle,tertiary,self_employed,130.54,8,limited,0,596,1,microfinance,3228.16,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2020,rural,female,20,18-24,lowest,primary,farmer,34.53,2,none,1,471,1,sacco,2025.17,equipment,housing,1,1759.09,0.308,12,191.81,paid_off,not_applicable,low_burden
Ghana,2024,urban,female,29,25-34,second,secondary,farmer,417.99,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,44,35-44,fourth,tertiary,employed_informal,141.38,8,none,0,0,1,sacco,1880.47,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2025,rural,female,63,55+,fourth,secondary,employed_informal,278.44,5,limited,0,726,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,46,45-54,highest,primary,self_employed,5173.27,10,none,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,25,18-24,second,primary,employed_informal,248.69,9,good,1,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,30,25-34,fourth,tertiary,farmer,196.82,2,none,1,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,57,55+,lowest,none,self_employed,60.48,9,good,0,320,1,commercial_bank,3010.36,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2022,rural,male,47,45-54,lowest,none,farmer,53.48,4,none,0,245,1,family_friends,2852.44,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2022,rural,female,18,18-24,fourth,tertiary,unemployed,826.07,2,limited,0,533,1,microfinance,6876.01,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2021,rural,female,44,35-44,second,secondary,self_employed,60.17,5,limited,0,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,39,35-44,fourth,secondary,unemployed,233.88,4,none,0,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,18,18-24,second,none,farmer,199.87,5,none,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,urban,male,30,25-34,lowest,primary,employed_informal,27.7,5,none,0,334,1,microfinance,1264.97,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2023,rural,male,66,55+,middle,secondary,farmer,105.7,6,limited,0,692,1,sacco,4844.23,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2018,rural,female,54,45-54,lowest,primary,self_employed,56.76,3,good,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,21,18-24,second,primary,farmer,118.47,5,limited,1,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,urban,female,18,18-24,lowest,none,farmer,34.57,1,limited,0,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,male,35,25-34,second,secondary,unemployed,231.81,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,male,42,35-44,fourth,primary,farmer,485.88,7,limited,1,454,1,commercial_bank,13147.47,none,consumption,1,12771.09,0.145,18,812.23,paid_off,not_applicable,low_burden
Uganda,2024,urban,female,41,35-44,lowest,tertiary,farmer,56.52,3,limited,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,male,54,45-54,middle,primary,employed_informal,639.6,7,none,0,699,1,informal_lender,5067.63,none,education,1,4349.67,0.788,24,324.11,current,not_applicable,low_burden
Niger,2020,rural,male,27,25-34,middle,none,unemployed,253.67,4,none,1,121,1,commercial_bank,3144.79,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2022,rural,female,20,18-24,middle,tertiary,farmer,98.98,7,none,0,0,1,family_friends,4171.98,guarantor,business,1,3693.96,0.036,12,318.98,current,not_applicable,low_burden
Nigeria,2019,urban,female,52,45-54,middle,tertiary,farmer,927.84,5,none,1,661,1,sacco,3811.71,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2018,urban,female,64,55+,middle,secondary,farmer,206.85,6,excellent,1,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,26,25-34,highest,tertiary,employed_informal,752.6,8,none,1,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,36,35-44,lowest,none,employed_informal,42.84,4,none,0,172,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,male,50,45-54,fourth,primary,farmer,761.45,5,none,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,26,25-34,lowest,primary,unemployed,64.15,1,none,0,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,62,55+,middle,primary,farmer,222.23,3,none,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,29,25-34,middle,secondary,self_employed,178.81,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,female,45,35-44,lowest,secondary,employed_informal,63.24,1,none,1,453,1,microfinance,1228.72,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2021,urban,female,35,25-34,lowest,none,self_employed,190.3,2,none,1,0,1,commercial_bank,2770.64,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2024,rural,male,52,45-54,lowest,primary,self_employed,24.97,8,good,0,413,1,family_friends,2215.31,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2020,urban,female,28,25-34,lowest,tertiary,unemployed,87.56,3,limited,0,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,23,18-24,middle,secondary,self_employed,317.65,1,limited,0,660,1,informal_lender,2957.14,none,asset_purchase,1,2902.08,0.829,18,294.83,current,not_applicable,low_burden
DRC,2019,rural,male,44,35-44,lowest,primary,self_employed,55.21,8,none,1,473,1,digital_lender,2477.4,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2021,rural,male,62,55+,fourth,primary,self_employed,649.45,8,none,0,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,female,50,45-54,highest,primary,unemployed,345.69,6,excellent,0,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,57,55+,second,primary,self_employed,180.52,10,none,0,0,1,informal_lender,1199.38,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2024,urban,male,40,35-44,lowest,primary,employed_informal,37.59,1,none,1,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,25,18-24,second,secondary,self_employed,126.74,6,none,1,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,40,35-44,highest,primary,self_employed,258.51,9,none,0,286,1,family_friends,6688.88,guarantor,agriculture,1,5813.87,0.085,24,262.78,current,not_applicable,low_burden
Zambia,2020,rural,female,69,55+,second,secondary,employed_informal,96.14,3,limited,0,638,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,female,58,55+,lowest,none,farmer,40.19,6,limited,0,783,1,informal_lender,5250.83,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2025,rural,female,54,45-54,highest,none,employed_informal,2090.39,1,none,1,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,33,25-34,middle,primary,self_employed,353.28,4,limited,0,770,1,family_friends,3031.24,equipment,asset_purchase,1,2734.84,0.038,12,236.55,paid_off,not_applicable,low_burden
South Africa,2020,rural,male,49,45-54,second,tertiary,self_employed,165.04,10,none,1,111,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,female,50,45-54,highest,secondary,self_employed,305.84,8,limited,0,750,1,informal_lender,6448.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2019,urban,male,52,45-54,highest,none,self_employed,1662.99,3,good,1,682,1,family_friends,8574.63,property,business,1,8352.69,0.041,6,1449.23,current,not_applicable,low_burden
Ethiopia,2023,rural,female,64,55+,middle,primary,farmer,629.59,10,limited,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,female,53,45-54,second,secondary,employed_informal,332.7,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,29,25-34,middle,primary,employed_informal,79.83,4,none,0,411,1,family_friends,3087.92,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2022,rural,female,29,25-34,lowest,secondary,farmer,43.53,5,limited,1,822,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,urban,female,50,45-54,middle,tertiary,unemployed,321.91,3,none,1,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,female,63,55+,lowest,none,employed_formal,40.22,6,good,0,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,male,67,55+,middle,secondary,employed_formal,1757.08,6,good,1,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,49,45-54,fourth,secondary,unemployed,235.27,3,none,0,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,45,35-44,highest,secondary,employed_informal,961.0,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,female,60,55+,fourth,none,unemployed,323.16,1,none,0,243,1,sacco,4357.14,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2022,urban,female,68,55+,lowest,secondary,farmer,105.69,2,none,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,19,18-24,lowest,none,employed_informal,158.53,4,excellent,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,male,34,25-34,middle,secondary,employed_formal,323.34,4,good,1,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,female,35,25-34,second,secondary,unemployed,104.06,1,limited,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,female,47,45-54,lowest,primary,employed_informal,42.38,8,good,1,500,1,digital_lender,1882.71,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2023,rural,male,33,25-34,fourth,tertiary,self_employed,768.55,6,none,1,710,1,commercial_bank,4328.81,vehicle,business,1,3746.59,0.228,12,383.25,current,not_applicable,low_burden
Ethiopia,2023,urban,female,34,25-34,second,secondary,employed_informal,163.65,2,limited,0,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,19,18-24,lowest,secondary,self_employed,78.86,3,excellent,1,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,18,18-24,middle,tertiary,farmer,38.9,7,good,1,370,1,family_friends,1133.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2018,rural,female,41,35-44,highest,secondary,farmer,607.45,9,none,0,511,1,digital_lender,12564.18,equipment,education,1,12467.94,0.438,18,995.93,late_30_days,not_applicable,low_burden
Malawi,2020,rural,male,69,55+,fourth,none,employed_formal,249.02,10,none,1,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,33,25-34,lowest,secondary,self_employed,16.78,3,good,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,30,25-34,middle,secondary,farmer,399.83,9,none,0,210,1,informal_lender,2007.39,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ethiopia,2019,rural,male,31,25-34,highest,secondary,employed_informal,456.53,5,excellent,1,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,68,55+,lowest,tertiary,farmer,227.06,3,none,0,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,52,45-54,middle,primary,self_employed,538.31,6,none,1,327,1,commercial_bank,6121.18,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2023,rural,female,51,45-54,fourth,none,employed_formal,199.22,5,none,0,70,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,27,25-34,fourth,primary,unemployed,859.92,1,limited,0,127,1,family_friends,7182.02,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2023,rural,male,65,55+,lowest,secondary,self_employed,185.99,5,none,1,691,1,family_friends,3939.77,savings,agriculture,1,3312.2,0.063,24,146.68,late_30_days,not_applicable,low_burden
Mali,2019,rural,female,28,25-34,highest,primary,employed_informal,448.99,6,none,0,756,1,informal_lender,8580.22,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2021,rural,female,68,55+,second,none,employed_formal,58.88,5,good,1,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,67,55+,lowest,primary,self_employed,13.32,1,none,0,525,1,microfinance,1160.89,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2018,rural,male,47,45-54,lowest,secondary,employed_informal,78.62,4,limited,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,63,55+,second,none,employed_informal,61.37,10,none,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,69,55+,lowest,primary,farmer,80.29,6,limited,0,777,1,family_friends,4296.8,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2021,rural,female,48,45-54,fourth,none,self_employed,221.59,6,limited,1,781,1,commercial_bank,14303.57,guarantor,asset_purchase,1,13400.08,0.143,24,638.45,late_30_days,not_applicable,low_burden
Malawi,2020,rural,male,57,55+,highest,primary,employed_informal,384.72,7,good,0,551,1,employer,4940.99,none,education,1,4012.12,0.043,24,174.34,late_60_days,not_applicable,low_burden
Tanzania,2022,rural,female,48,45-54,lowest,none,farmer,40.66,6,none,0,111,1,digital_lender,656.71,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2023,urban,male,45,35-44,fourth,none,farmer,198.04,3,limited,1,759,1,sacco,3814.15,savings,business,1,3461.03,0.294,12,373.26,defaulted,not_applicable,low_burden
Ethiopia,2023,rural,male,35,25-34,highest,secondary,self_employed,448.07,10,none,0,703,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,urban,female,52,45-54,lowest,none,unemployed,53.66,1,limited,0,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,female,31,25-34,fourth,none,employed_informal,487.07,7,none,0,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,female,28,25-34,highest,secondary,employed_formal,714.3,10,limited,0,186,1,commercial_bank,5998.32,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2019,rural,male,32,25-34,fourth,none,employed_formal,155.79,10,none,1,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,18,18-24,middle,none,employed_informal,432.2,10,good,0,122,1,employer,7217.72,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2018,urban,male,66,55+,highest,primary,self_employed,885.91,2,none,0,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,female,31,25-34,fourth,primary,employed_formal,943.9,10,limited,0,54,1,informal_lender,2341.62,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2020,rural,female,59,55+,second,secondary,self_employed,143.61,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,male,40,35-44,lowest,tertiary,unemployed,63.22,2,limited,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,female,35,25-34,middle,primary,farmer,141.83,2,excellent,1,458,1,family_friends,4420.33,savings,asset_purchase,1,3677.18,0.024,12,313.88,current,not_applicable,low_burden
Nigeria,2021,urban,male,29,25-34,second,secondary,farmer,278.3,7,none,0,206,1,digital_lender,3694.76,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2024,urban,male,60,55+,second,tertiary,farmer,185.27,4,none,1,258,1,microfinance,6549.4,guarantor,consumption,1,6062.75,0.293,12,653.47,current,not_applicable,low_burden
Niger,2021,urban,male,44,35-44,lowest,primary,farmer,163.9,2,limited,0,833,1,commercial_bank,2823.31,vehicle,business,1,2606.94,0.177,12,255.8,late_30_days,not_applicable,low_burden
South Africa,2019,urban,male,41,35-44,fourth,secondary,self_employed,1512.59,9,none,1,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,female,52,45-54,fourth,secondary,self_employed,295.75,9,limited,0,205,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,59,55+,second,secondary,employed_informal,278.03,2,none,0,17,1,family_friends,8005.88,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2025,urban,female,52,45-54,lowest,tertiary,employed_formal,135.35,6,none,1,676,1,commercial_bank,1442.7,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2021,urban,female,42,35-44,lowest,none,self_employed,123.84,1,good,0,314,1,informal_lender,3484.55,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2020,urban,female,64,55+,lowest,tertiary,self_employed,66.36,7,none,1,589,1,digital_lender,1503.46,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2021,rural,male,64,55+,middle,primary,employed_formal,149.79,10,limited,1,672,1,commercial_bank,2774.15,none,agriculture,1,2450.38,0.159,48,59.19,late_30_days,not_applicable,low_burden
Mali,2020,urban,male,68,55+,lowest,secondary,employed_informal,59.72,3,none,1,632,1,digital_lender,13215.46,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2024,rural,male,22,18-24,highest,primary,farmer,435.16,5,none,1,124,1,informal_lender,3216.57,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2025,urban,female,64,55+,second,primary,employed_informal,100.51,8,limited,1,667,1,sacco,2537.93,property,agriculture,1,2499.77,0.352,6,563.15,current,not_applicable,low_burden
Zambia,2018,urban,female,28,25-34,lowest,none,self_employed,83.53,5,limited,1,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,female,50,45-54,highest,tertiary,employed_informal,582.8,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,male,52,45-54,second,secondary,employed_informal,164.56,8,none,1,502,1,sacco,1943.2,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2018,urban,male,28,25-34,second,tertiary,farmer,188.33,8,none,0,1,1,microfinance,3387.35,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2025,rural,female,18,18-24,lowest,primary,employed_formal,67.81,10,none,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,67,55+,middle,primary,employed_informal,246.38,5,limited,1,407,1,microfinance,4142.28,vehicle,debt_consolidation,1,4052.31,0.315,18,296.02,paid_off,not_applicable,low_burden
Uganda,2019,rural,female,64,55+,second,primary,unemployed,127.3,1,limited,1,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,27,25-34,fourth,primary,self_employed,413.72,7,good,1,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,male,49,45-54,middle,primary,self_employed,514.91,2,good,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,female,25,18-24,highest,tertiary,self_employed,487.19,6,none,1,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,47,45-54,middle,tertiary,employed_informal,388.07,1,excellent,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,34,25-34,fourth,primary,self_employed,197.13,8,excellent,0,530,1,family_friends,2668.93,none,housing,1,2527.46,0.005,12,211.78,late_60_days,not_applicable,low_burden
DRC,2018,rural,female,57,55+,fourth,primary,self_employed,542.82,7,none,0,447,1,microfinance,15992.44,equipment,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ethiopia,2025,urban,male,47,45-54,second,secondary,employed_informal,122.34,5,none,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,female,43,35-44,fourth,secondary,employed_informal,259.75,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,53,45-54,middle,secondary,self_employed,90.12,6,limited,1,839,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,female,42,35-44,lowest,secondary,employed_formal,38.31,10,none,1,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,18,18-24,fourth,none,employed_informal,235.4,7,none,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,male,48,45-54,second,none,self_employed,346.32,10,limited,0,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,58,55+,middle,tertiary,self_employed,127.48,2,good,0,850,1,employer,6974.61,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2021,urban,female,43,35-44,lowest,secondary,self_employed,19.14,1,good,0,834,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,female,27,25-34,lowest,tertiary,employed_formal,77.8,10,excellent,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,18,18-24,lowest,primary,farmer,27.61,2,limited,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,33,25-34,lowest,secondary,farmer,158.96,2,good,0,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,57,55+,lowest,primary,self_employed,44.86,3,none,0,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,34,25-34,lowest,tertiary,farmer,49.73,8,limited,1,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,female,67,55+,middle,primary,self_employed,462.4,1,good,1,105,1,microfinance,3300.94,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Kenya,2018,urban,male,35,25-34,second,secondary,employed_formal,278.87,7,good,1,850,1,commercial_bank,7772.57,equipment,asset_purchase,1,7336.76,0.174,24,358.85,current,not_applicable,low_burden
Ethiopia,2018,urban,female,40,35-44,highest,none,self_employed,413.99,2,limited,1,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,57,55+,fourth,none,self_employed,152.76,9,none,0,440,1,digital_lender,2809.32,savings,business,1,2285.79,0.41,18,179.04,paid_off,not_applicable,low_burden
Nigeria,2024,rural,female,49,45-54,lowest,none,farmer,17.29,8,none,0,687,1,informal_lender,764.68,guarantor,agriculture,1,661.23,0.765,6,194.48,late_30_days,not_applicable,low_burden
DRC,2020,urban,male,20,18-24,second,secondary,employed_informal,1119.43,1,limited,1,54,1,family_friends,5390.97,vehicle,business,1,4531.83,0.014,18,255.17,paid_off,not_applicable,low_burden
Ghana,2020,urban,female,21,18-24,second,secondary,employed_informal,98.93,3,none,1,424,1,digital_lender,1484.48,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2018,rural,female,28,25-34,second,tertiary,unemployed,275.11,1,none,0,685,1,informal_lender,8330.23,property,consumption,1,7311.52,0.829,12,1114.57,late_60_days,not_applicable,low_burden
Ghana,2025,urban,female,63,55+,middle,secondary,employed_informal,205.56,5,good,0,429,1,employer,2492.4,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2021,urban,female,19,18-24,middle,secondary,self_employed,140.11,2,none,0,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,female,21,18-24,middle,secondary,employed_informal,203.04,5,none,1,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,male,58,55+,second,none,unemployed,143.98,5,none,1,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,50,45-54,fourth,secondary,employed_informal,862.32,3,none,1,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,female,69,55+,second,secondary,farmer,320.02,2,none,1,0,1,commercial_bank,10895.34,none,consumption,1,8954.16,0.173,18,583.49,late_60_days,not_applicable,low_burden
South Africa,2022,rural,male,29,25-34,fourth,secondary,self_employed,218.16,4,none,1,482,1,microfinance,4698.73,none,consumption,1,4058.07,0.27,6,859.02,current,not_applicable,low_burden
Tanzania,2022,urban,male,52,45-54,highest,none,unemployed,361.53,1,limited,1,286,1,digital_lender,4145.2,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2019,rural,female,24,18-24,second,primary,unemployed,52.47,1,none,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,48,45-54,fourth,primary,farmer,66.73,2,limited,0,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,23,18-24,fourth,tertiary,employed_formal,272.11,4,good,1,621,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,male,65,55+,middle,secondary,self_employed,198.35,8,limited,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,39,35-44,lowest,secondary,farmer,27.07,2,limited,1,379,1,sacco,1404.16,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2024,urban,male,31,25-34,fourth,primary,self_employed,203.11,3,limited,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,female,69,55+,second,secondary,unemployed,119.95,4,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,21,18-24,lowest,primary,farmer,38.7,6,none,0,436,1,sacco,6240.26,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2022,rural,male,59,55+,middle,none,employed_informal,172.31,1,good,1,721,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,44,35-44,second,secondary,employed_informal,93.81,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,male,53,45-54,lowest,primary,employed_informal,106.96,5,limited,0,205,1,family_friends,3273.08,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2025,rural,female,31,25-34,highest,primary,farmer,447.03,4,limited,1,469,1,commercial_bank,4246.92,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2021,urban,female,63,55+,lowest,primary,self_employed,63.83,10,good,0,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,41,35-44,middle,primary,employed_formal,53.57,5,limited,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,male,39,35-44,middle,tertiary,farmer,288.04,1,limited,1,62,1,sacco,8048.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2018,rural,female,41,35-44,lowest,secondary,employed_formal,64.1,9,limited,1,305,1,informal_lender,3775.51,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2018,rural,male,33,25-34,fourth,tertiary,self_employed,291.18,10,good,0,132,1,sacco,2677.65,guarantor,consumption,1,2447.87,0.321,18,179.67,current,not_applicable,low_burden
South Africa,2019,rural,male,34,25-34,middle,tertiary,self_employed,762.5,1,none,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,male,25,18-24,middle,primary,self_employed,334.37,9,excellent,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,male,43,35-44,middle,primary,employed_informal,179.25,10,good,0,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,42,35-44,highest,secondary,farmer,1404.9,5,none,0,842,1,family_friends,9110.0,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2020,urban,female,37,35-44,highest,none,farmer,4347.35,5,none,0,471,1,family_friends,4819.44,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2020,rural,male,69,55+,lowest,tertiary,farmer,71.9,10,good,0,205,1,digital_lender,2724.8,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2022,rural,female,23,18-24,second,none,unemployed,25.58,3,none,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,65,55+,middle,secondary,employed_informal,270.63,6,none,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,female,63,55+,highest,secondary,employed_informal,535.31,3,none,0,178,1,microfinance,7457.82,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
South Africa,2024,rural,female,19,18-24,fourth,tertiary,employed_formal,85.85,10,none,0,0,1,family_friends,3901.02,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2020,rural,female,54,45-54,second,secondary,farmer,398.06,3,limited,1,767,1,microfinance,3012.64,vehicle,business,1,2510.25,0.29,18,179.92,late_30_days,not_applicable,low_burden
Senegal,2025,urban,male,28,25-34,highest,secondary,employed_informal,2794.28,4,good,0,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,20,18-24,second,primary,unemployed,64.37,5,limited,1,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,62,55+,second,secondary,self_employed,64.67,6,none,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,24,18-24,middle,secondary,farmer,223.73,8,limited,1,669,1,commercial_bank,2800.17,guarantor,education,1,2299.36,0.202,6,460.54,defaulted,not_applicable,low_burden
Ethiopia,2023,rural,female,33,25-34,second,secondary,self_employed,65.28,10,none,1,506,1,commercial_bank,3104.48,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2024,rural,female,23,18-24,middle,secondary,farmer,181.96,7,limited,0,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,25,18-24,second,none,self_employed,109.85,2,none,1,547,1,commercial_bank,6961.56,equipment,agriculture,1,6553.17,0.224,18,445.67,paid_off,not_applicable,low_burden
Zambia,2019,urban,female,21,18-24,fourth,primary,self_employed,371.68,8,excellent,0,597,1,informal_lender,5642.8,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2019,rural,female,61,55+,highest,tertiary,farmer,248.46,6,good,0,387,1,family_friends,3253.41,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2018,rural,female,21,18-24,second,primary,employed_informal,216.4,2,limited,0,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,female,57,55+,middle,secondary,unemployed,464.5,1,limited,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,26,25-34,fourth,secondary,farmer,307.41,10,limited,0,311,1,informal_lender,8860.08,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2021,rural,female,65,55+,lowest,tertiary,farmer,58.73,2,none,1,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,female,62,55+,fourth,none,employed_informal,764.12,5,good,0,437,1,sacco,7693.08,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2024,rural,male,50,45-54,middle,primary,employed_formal,200.27,10,good,1,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,male,61,55+,lowest,tertiary,employed_formal,202.15,10,excellent,0,844,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,33,25-34,highest,secondary,self_employed,264.24,9,limited,1,472,1,family_friends,5188.01,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2022,urban,male,58,55+,second,secondary,employed_informal,330.62,8,limited,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,29,25-34,lowest,primary,unemployed,82.96,1,none,0,0,1,digital_lender,4747.53,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2024,urban,female,49,45-54,lowest,primary,unemployed,41.0,1,none,0,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,65,55+,fourth,tertiary,employed_formal,1589.67,10,limited,0,497,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,55,45-54,highest,secondary,farmer,3526.13,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,urban,female,32,25-34,second,tertiary,employed_informal,156.46,4,good,0,701,1,microfinance,3570.63,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2018,rural,male,56,55+,lowest,tertiary,employed_informal,82.24,10,good,1,618,1,family_friends,1674.45,guarantor,business,1,1422.25,0.017,36,40.18,current,not_applicable,low_burden
Ghana,2022,rural,male,63,55+,lowest,secondary,employed_informal,43.31,4,none,0,619,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,64,55+,middle,secondary,farmer,240.11,1,limited,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,56,55+,second,secondary,unemployed,54.9,3,limited,1,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,56,55+,second,secondary,employed_formal,49.51,8,limited,1,770,1,microfinance,2187.93,none,business,1,1959.6,0.298,6,423.81,late_60_days,not_applicable,low_burden
Niger,2018,urban,female,58,55+,second,secondary,employed_informal,658.01,7,none,0,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,56,55+,second,none,self_employed,118.06,7,limited,1,428,1,microfinance,6592.82,property,consumption,1,6379.79,0.341,12,713.06,current,not_applicable,low_burden
Niger,2019,rural,female,24,18-24,middle,tertiary,self_employed,207.21,7,none,0,0,1,family_friends,13169.1,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2021,urban,female,59,55+,middle,secondary,employed_formal,169.18,7,limited,0,722,1,sacco,1878.27,none,asset_purchase,1,1644.82,0.333,12,182.74,late_60_days,not_applicable,low_burden
Kenya,2020,urban,female,27,25-34,lowest,tertiary,farmer,102.65,3,excellent,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,46,45-54,middle,primary,unemployed,69.8,1,limited,1,691,1,microfinance,7338.67,none,business,1,6015.61,0.353,18,452.12,current,not_applicable,low_burden
South Africa,2022,urban,female,35,25-34,second,primary,self_employed,105.29,10,none,0,0,1,family_friends,2593.92,none,debt_consolidation,1,2482.56,0.065,24,110.16,late_30_days,not_applicable,low_burden
Zambia,2022,rural,male,29,25-34,middle,secondary,farmer,86.36,8,limited,0,82,1,sacco,3025.64,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2025,rural,female,32,25-34,lowest,secondary,farmer,148.91,4,limited,0,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,22,18-24,lowest,none,self_employed,18.95,10,limited,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,40,35-44,middle,primary,farmer,87.61,8,none,1,0,1,family_friends,8334.98,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2023,rural,female,39,35-44,second,secondary,self_employed,28.93,6,limited,1,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,male,38,35-44,middle,tertiary,self_employed,107.27,9,good,0,501,1,microfinance,2546.87,equipment,education,1,2413.67,0.289,18,172.86,current,not_applicable,low_burden
Nigeria,2023,rural,female,22,18-24,second,none,employed_informal,87.94,10,none,0,592,1,family_friends,2553.33,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2024,urban,male,49,45-54,lowest,primary,farmer,178.17,6,limited,0,132,1,digital_lender,2708.85,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2020,urban,male,26,25-34,middle,primary,employed_informal,255.42,2,good,0,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,urban,male,62,55+,second,primary,employed_informal,135.76,5,good,1,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,urban,male,19,18-24,lowest,none,self_employed,110.86,3,excellent,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,female,20,18-24,fourth,secondary,self_employed,241.84,7,good,1,690,1,sacco,4602.23,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2022,urban,female,33,25-34,second,secondary,employed_informal,977.75,1,limited,0,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,39,35-44,highest,primary,employed_informal,654.99,5,limited,1,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,female,68,55+,lowest,primary,farmer,120.05,5,none,0,411,1,informal_lender,4105.77,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2019,rural,female,45,35-44,highest,tertiary,self_employed,1184.22,4,none,1,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,37,35-44,fourth,primary,self_employed,213.69,7,limited,0,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,rural,female,61,55+,lowest,secondary,farmer,67.63,6,none,1,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,30,25-34,middle,primary,farmer,140.85,3,none,0,404,1,sacco,2402.54,guarantor,agriculture,1,2215.25,0.354,12,249.87,paid_off,not_applicable,low_burden
Mozambique,2022,rural,female,64,55+,middle,secondary,employed_formal,242.29,10,good,0,458,1,microfinance,10748.53,guarantor,business,1,9755.19,0.286,36,348.5,late_30_days,not_applicable,low_burden
Ghana,2023,rural,female,38,35-44,middle,secondary,self_employed,214.64,5,none,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,male,34,25-34,second,primary,employed_informal,164.04,2,none,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,rural,male,33,25-34,highest,secondary,self_employed,295.72,7,limited,1,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,male,18,18-24,fourth,secondary,farmer,1813.3,4,none,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,53,45-54,highest,primary,employed_formal,1001.04,10,limited,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,48,45-54,fourth,secondary,self_employed,108.45,8,none,0,152,1,family_friends,2088.9,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2021,urban,male,50,45-54,fourth,primary,employed_informal,366.52,7,good,1,496,1,informal_lender,7160.67,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2018,rural,female,51,45-54,fourth,primary,self_employed,109.92,10,limited,0,153,1,microfinance,3341.1,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2025,urban,female,19,18-24,middle,tertiary,employed_formal,508.66,10,limited,1,764,1,digital_lender,12763.4,none,agriculture,1,12130.82,0.408,12,1423.74,current,not_applicable,low_burden
Zambia,2022,urban,male,63,55+,highest,none,farmer,975.62,4,none,1,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,44,35-44,middle,none,self_employed,299.22,10,limited,1,536,1,commercial_bank,3023.14,none,asset_purchase,1,2632.11,0.224,24,134.23,late_30_days,not_applicable,low_burden
Nigeria,2024,urban,female,53,45-54,lowest,none,employed_informal,49.83,6,none,0,388,1,informal_lender,3393.24,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2024,urban,female,19,18-24,middle,tertiary,farmer,239.23,8,limited,1,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,female,57,55+,lowest,none,employed_formal,104.52,7,none,0,597,1,informal_lender,13777.66,property,agriculture,1,11930.6,0.808,24,898.96,late_30_days,not_applicable,low_burden
DRC,2019,rural,female,53,45-54,highest,primary,self_employed,1390.47,10,none,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,37,35-44,middle,secondary,self_employed,361.7,10,none,0,192,1,family_friends,2224.01,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2022,rural,male,66,55+,middle,secondary,employed_formal,67.48,10,none,1,705,1,sacco,1579.5,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2023,urban,male,51,45-54,lowest,secondary,employed_informal,78.89,4,none,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,male,65,55+,middle,tertiary,employed_formal,356.25,10,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,60,55+,second,none,farmer,72.53,7,good,0,198,1,microfinance,9740.61,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2018,rural,male,28,25-34,fourth,secondary,farmer,103.23,1,limited,1,301,1,commercial_bank,2959.48,vehicle,agriculture,1,2738.94,0.163,6,530.95,current,not_applicable,low_burden
South Africa,2023,rural,female,69,55+,middle,secondary,employed_formal,81.26,10,limited,1,225,1,microfinance,3123.55,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2025,urban,male,56,55+,middle,primary,employed_formal,852.49,9,none,1,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,27,25-34,second,tertiary,unemployed,52.68,2,none,0,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,59,55+,middle,secondary,employed_informal,206.77,4,excellent,0,850,1,informal_lender,3462.77,none,consumption,1,2885.47,0.776,6,853.93,current,not_applicable,low_burden
Ethiopia,2020,urban,female,40,35-44,second,primary,employed_informal,162.21,9,none,1,0,1,commercial_bank,10354.02,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2025,urban,female,62,55+,highest,none,farmer,889.51,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,male,27,25-34,highest,none,employed_formal,791.88,7,limited,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,31,25-34,fourth,tertiary,unemployed,572.9,2,none,1,249,1,commercial_bank,2410.12,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2019,rural,male,36,35-44,second,primary,employed_formal,124.37,5,limited,0,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,female,41,35-44,lowest,tertiary,farmer,38.88,3,good,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,urban,female,50,45-54,highest,none,self_employed,1026.86,7,good,0,296,1,microfinance,16830.04,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2025,rural,male,29,25-34,highest,tertiary,employed_informal,271.52,6,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,54,45-54,lowest,secondary,self_employed,84.06,9,none,0,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,19,18-24,fourth,none,unemployed,204.72,5,limited,0,214,1,digital_lender,1734.91,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2022,rural,female,35,25-34,second,none,self_employed,78.41,1,none,0,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,urban,female,52,45-54,lowest,secondary,employed_formal,128.7,7,none,1,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,male,31,25-34,highest,none,unemployed,744.86,5,limited,1,752,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,40,35-44,highest,primary,employed_informal,519.36,10,none,1,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,male,49,45-54,highest,secondary,employed_formal,1503.66,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,female,30,25-34,lowest,tertiary,employed_formal,30.48,10,excellent,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,68,55+,middle,secondary,farmer,283.49,3,none,0,595,1,informal_lender,1871.92,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2025,urban,male,62,55+,highest,tertiary,employed_informal,1925.58,9,none,1,685,1,family_friends,5365.93,savings,emergency,1,4972.31,0.008,48,104.47,paid_off,not_applicable,low_burden
Zambia,2022,urban,female,68,55+,fourth,secondary,employed_informal,1113.37,5,limited,0,630,1,microfinance,7664.26,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2021,rural,male,43,35-44,second,secondary,unemployed,556.62,1,none,1,79,1,commercial_bank,4086.68,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2019,urban,female,35,25-34,middle,primary,self_employed,190.34,3,none,0,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,female,69,55+,lowest,secondary,employed_informal,32.81,10,good,1,487,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,male,55,45-54,middle,secondary,self_employed,528.67,8,none,0,137,1,digital_lender,3863.53,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2019,urban,female,59,55+,highest,secondary,employed_informal,1913.11,1,none,1,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,27,25-34,lowest,tertiary,self_employed,34.63,10,none,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,male,63,55+,lowest,primary,employed_informal,126.18,9,none,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,45,35-44,middle,secondary,self_employed,1346.5,6,good,0,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,female,58,55+,middle,secondary,farmer,215.2,1,good,1,278,1,sacco,2461.54,guarantor,consumption,1,2396.1,0.326,12,264.77,current,not_applicable,low_burden
Tanzania,2023,rural,female,60,55+,second,primary,employed_informal,231.54,5,none,0,215,1,informal_lender,2560.77,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Kenya,2018,rural,male,23,18-24,lowest,primary,employed_informal,181.64,2,none,1,296,1,commercial_bank,2293.68,property,business,1,2071.25,0.217,18,140.04,current,not_applicable,low_burden
Kenya,2019,rural,male,23,18-24,fourth,tertiary,self_employed,1902.53,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,21,18-24,lowest,primary,farmer,71.54,4,limited,1,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,female,51,45-54,middle,secondary,farmer,717.26,8,limited,1,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,urban,female,65,55+,middle,secondary,farmer,171.81,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,female,19,18-24,second,tertiary,unemployed,123.44,1,limited,0,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,25,18-24,middle,secondary,farmer,146.32,9,none,1,617,1,commercial_bank,4241.06,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Uganda,2023,rural,male,43,35-44,fourth,none,unemployed,88.11,3,none,0,164,1,family_friends,2057.01,savings,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2018,rural,female,38,35-44,middle,primary,self_employed,65.12,7,limited,0,191,1,informal_lender,540.27,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2018,rural,male,23,18-24,middle,secondary,employed_informal,270.25,8,none,1,415,1,digital_lender,4598.32,savings,consumption,1,3754.92,0.468,6,918.7,late_30_days,not_applicable,low_burden
Senegal,2023,urban,male,49,45-54,second,none,self_employed,247.92,8,limited,1,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,65,55+,second,secondary,employed_informal,58.51,8,limited,1,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,female,29,25-34,middle,primary,employed_formal,887.57,6,good,0,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,male,18,18-24,second,none,employed_informal,83.21,7,limited,1,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,29,25-34,second,tertiary,self_employed,145.24,10,none,1,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,27,25-34,lowest,tertiary,farmer,45.04,8,limited,0,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,male,42,35-44,fourth,secondary,self_employed,530.16,5,good,0,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,female,23,18-24,lowest,primary,employed_formal,112.99,10,none,0,544,1,digital_lender,5211.9,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2022,rural,female,36,35-44,highest,tertiary,unemployed,1128.29,6,good,1,661,1,informal_lender,7037.84,guarantor,emergency,1,6563.3,0.826,24,499.41,current,not_applicable,low_burden
Tanzania,2021,rural,male,24,18-24,middle,secondary,self_employed,328.26,7,excellent,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,53,45-54,lowest,tertiary,employed_informal,90.42,8,limited,0,615,1,family_friends,1428.39,property,education,1,1391.06,0.06,12,122.86,current,not_applicable,low_burden
Mali,2018,rural,male,42,35-44,middle,none,employed_informal,82.06,9,none,1,669,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,21,18-24,second,none,employed_informal,268.4,4,limited,1,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,20,18-24,highest,secondary,unemployed,471.59,1,none,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,female,43,35-44,highest,tertiary,employed_informal,919.74,4,none,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,48,45-54,fourth,none,unemployed,384.67,1,none,1,467,1,commercial_bank,8464.38,guarantor,emergency,1,7104.74,0.131,18,446.41,current,not_applicable,low_burden
South Africa,2022,urban,female,27,25-34,middle,primary,employed_informal,381.23,7,limited,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,34,25-34,highest,secondary,farmer,472.96,5,limited,0,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,male,49,45-54,middle,tertiary,employed_formal,267.03,10,limited,0,748,1,microfinance,2053.95,none,business,1,1894.64,0.315,6,415.09,current,not_applicable,low_burden
Niger,2025,rural,female,42,35-44,highest,secondary,self_employed,2062.19,7,none,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,female,24,18-24,lowest,tertiary,self_employed,36.29,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,urban,male,38,35-44,highest,secondary,employed_informal,988.9,10,limited,0,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,28,25-34,middle,tertiary,unemployed,91.69,5,limited,1,632,1,commercial_bank,2524.03,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2024,rural,female,66,55+,second,secondary,farmer,194.49,1,none,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,59,55+,highest,none,employed_informal,399.26,10,none,0,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,34,25-34,fourth,secondary,farmer,338.76,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,urban,male,30,25-34,highest,secondary,employed_informal,391.92,4,good,1,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,25,18-24,lowest,primary,unemployed,148.77,1,limited,1,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,female,56,55+,middle,primary,self_employed,210.45,6,good,0,363,1,family_friends,4201.08,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2022,urban,female,65,55+,fourth,secondary,employed_informal,541.72,10,none,0,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,female,32,25-34,lowest,secondary,employed_informal,107.63,7,none,0,554,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,51,45-54,fourth,primary,employed_informal,137.32,6,none,1,0,1,commercial_bank,6863.26,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Uganda,2020,rural,male,30,25-34,middle,tertiary,unemployed,130.03,1,none,1,695,1,microfinance,4971.29,equipment,education,1,4173.02,0.274,6,885.78,current,not_applicable,low_burden
Mozambique,2022,rural,female,65,55+,second,primary,employed_informal,136.64,9,none,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,33,25-34,fourth,none,employed_informal,96.06,8,good,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,male,22,18-24,lowest,none,farmer,28.22,1,none,0,421,1,informal_lender,2225.26,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2022,rural,female,63,55+,fourth,primary,employed_informal,185.57,3,none,0,446,1,family_friends,7076.17,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2018,urban,male,67,55+,highest,none,employed_formal,445.69,10,none,1,31,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,male,38,35-44,middle,secondary,farmer,234.54,8,none,1,522,1,microfinance,2218.43,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2023,urban,male,65,55+,middle,secondary,employed_formal,430.1,8,limited,0,824,1,informal_lender,14605.12,guarantor,business,1,14078.52,0.758,24,1031.33,late_30_days,not_applicable,low_burden
Mozambique,2018,rural,female,30,25-34,second,secondary,farmer,205.05,6,none,0,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,32,25-34,second,tertiary,self_employed,430.48,2,none,1,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,45,35-44,highest,tertiary,employed_informal,653.59,9,limited,1,669,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,49,45-54,second,primary,self_employed,135.15,7,none,0,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,female,38,35-44,second,none,employed_informal,119.21,6,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,59,55+,second,primary,self_employed,151.79,7,limited,0,588,1,digital_lender,594.2,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2020,urban,female,59,55+,middle,secondary,self_employed,394.32,6,none,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,24,18-24,fourth,primary,farmer,628.79,5,good,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,69,55+,lowest,secondary,self_employed,170.9,2,good,1,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,26,25-34,second,secondary,farmer,260.31,5,none,1,44,1,commercial_bank,10911.28,savings,business,1,9280.78,0.148,18,591.69,current,not_applicable,low_burden
Ethiopia,2021,urban,male,45,35-44,lowest,secondary,employed_formal,258.64,10,limited,0,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,39,35-44,lowest,none,unemployed,91.56,1,none,0,634,1,microfinance,1846.45,none,consumption,1,1709.6,0.359,24,96.8,current,not_applicable,low_burden
Ethiopia,2019,rural,female,41,35-44,second,primary,employed_informal,79.06,5,good,1,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,24,18-24,fourth,primary,farmer,240.97,9,none,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,male,35,25-34,middle,secondary,self_employed,277.06,6,limited,1,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,19,18-24,lowest,secondary,employed_formal,28.21,4,none,1,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,female,68,55+,middle,secondary,self_employed,194.21,9,good,0,531,1,family_friends,5178.93,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2024,urban,female,25,18-24,fourth,secondary,unemployed,221.5,1,excellent,0,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,43,35-44,second,secondary,farmer,230.23,5,none,1,0,1,family_friends,10520.23,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2023,urban,female,29,25-34,lowest,none,farmer,115.12,2,none,1,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,27,25-34,fourth,primary,self_employed,142.6,3,limited,0,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,38,35-44,lowest,none,self_employed,56.85,4,limited,0,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,68,55+,fourth,none,employed_informal,1765.08,3,none,1,354,1,informal_lender,13929.74,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2023,urban,male,42,35-44,fourth,primary,self_employed,764.46,9,limited,1,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,67,55+,highest,secondary,employed_informal,912.65,6,limited,0,814,1,digital_lender,9557.09,none,agriculture,1,8772.11,0.422,12,1039.14,late_30_days,not_applicable,low_burden
DRC,2019,urban,male,61,55+,lowest,none,farmer,56.45,4,excellent,1,403,1,commercial_bank,4250.38,none,agriculture,1,3718.89,0.175,12,364.2,late_60_days,not_applicable,low_burden
Rwanda,2022,urban,male,40,35-44,lowest,none,farmer,109.88,3,limited,0,678,1,informal_lender,1352.94,equipment,agriculture,1,1326.01,0.838,24,101.53,current,not_applicable,low_burden
Uganda,2025,rural,female,64,55+,highest,none,self_employed,657.31,5,limited,1,106,1,commercial_bank,3018.49,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2025,urban,male,36,35-44,middle,primary,farmer,170.82,4,none,1,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,44,35-44,second,primary,employed_informal,85.86,9,none,0,366,1,family_friends,3509.12,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2019,urban,male,53,45-54,middle,none,employed_informal,214.53,3,limited,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,female,48,45-54,lowest,primary,employed_informal,21.25,7,limited,0,0,1,family_friends,1536.0,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2018,rural,female,61,55+,middle,tertiary,employed_informal,79.19,5,good,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,rural,male,26,25-34,highest,primary,employed_informal,577.49,3,none,0,218,1,employer,5276.88,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2022,rural,male,43,35-44,fourth,primary,farmer,182.13,5,none,0,230,1,family_friends,8447.33,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2025,rural,female,52,45-54,second,primary,farmer,98.27,2,none,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,male,35,25-34,highest,primary,self_employed,321.94,6,limited,0,166,1,informal_lender,10061.6,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2021,urban,female,63,55+,fourth,secondary,unemployed,861.99,4,none,0,538,1,digital_lender,4299.82,none,consumption,1,4214.95,0.468,18,343.71,current,not_applicable,low_burden
Zambia,2020,rural,female,33,25-34,lowest,primary,unemployed,258.44,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,urban,male,33,25-34,fourth,tertiary,employed_formal,1009.79,4,none,0,331,1,family_friends,10378.11,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,urban,female,34,25-34,lowest,tertiary,self_employed,198.28,6,none,1,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,53,45-54,second,secondary,unemployed,188.03,1,none,1,648,1,sacco,1592.05,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2022,urban,female,24,18-24,middle,primary,employed_informal,359.33,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,male,25,18-24,lowest,primary,self_employed,95.48,7,good,0,447,1,family_friends,1199.07,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2020,rural,female,58,55+,lowest,primary,unemployed,31.76,6,none,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,28,25-34,middle,secondary,farmer,483.65,10,good,0,846,1,digital_lender,3471.24,savings,emergency,1,3013.1,0.413,18,236.57,current,not_applicable,low_burden
Kenya,2019,rural,female,23,18-24,second,none,farmer,188.63,6,limited,0,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,31,25-34,middle,secondary,unemployed,144.63,1,good,1,850,1,sacco,3552.0,savings,agriculture,1,3088.88,0.316,12,338.81,current,not_applicable,low_burden
Nigeria,2018,rural,male,38,35-44,second,primary,employed_informal,175.3,9,limited,0,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,19,18-24,fourth,primary,farmer,202.87,4,none,1,0,1,microfinance,2834.9,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2020,urban,female,61,55+,highest,primary,farmer,637.24,6,none,0,38,1,microfinance,8680.37,property,education,1,8081.16,0.347,18,604.78,current,not_applicable,low_burden
Nigeria,2018,rural,male,24,18-24,lowest,primary,employed_informal,103.64,2,excellent,0,346,1,informal_lender,3183.08,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2025,rural,male,39,35-44,fourth,secondary,employed_formal,445.72,7,good,0,827,1,microfinance,11201.83,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2019,rural,male,28,25-34,lowest,secondary,employed_informal,51.21,5,limited,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,urban,male,33,25-34,second,primary,farmer,141.88,8,limited,1,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,female,20,18-24,second,none,farmer,204.52,9,limited,0,685,1,digital_lender,5838.36,equipment,education,1,5002.3,0.444,24,301.05,late_30_days,not_applicable,low_burden
Mozambique,2023,urban,male,67,55+,lowest,tertiary,unemployed,24.87,1,good,0,829,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,female,66,55+,lowest,primary,employed_informal,52.87,6,limited,1,373,1,sacco,1320.99,vehicle,education,1,1137.06,0.292,12,122.4,paid_off,not_applicable,low_burden
Senegal,2024,urban,female,24,18-24,fourth,secondary,self_employed,202.91,10,none,1,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,rural,male,28,25-34,fourth,primary,employed_formal,332.49,4,none,1,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,64,55+,highest,secondary,unemployed,2122.5,2,limited,0,600,1,microfinance,18385.39,none,business,1,14783.97,0.334,12,1643.92,current,not_applicable,low_burden
Mali,2025,rural,male,39,35-44,highest,secondary,self_employed,927.35,8,none,1,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,male,21,18-24,second,none,farmer,84.8,2,good,1,653,1,digital_lender,1769.11,guarantor,business,1,1448.53,0.441,6,347.83,current,not_applicable,low_burden
Zambia,2018,urban,male,25,18-24,lowest,secondary,employed_informal,54.8,7,excellent,0,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,39,35-44,lowest,secondary,employed_formal,35.54,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,male,47,45-54,middle,none,employed_formal,810.82,10,good,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,male,50,45-54,highest,secondary,farmer,1038.94,8,limited,0,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,male,25,18-24,second,primary,employed_informal,139.51,2,limited,0,49,1,microfinance,4626.72,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2018,rural,male,37,35-44,lowest,none,farmer,13.74,1,none,0,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,31,25-34,second,secondary,employed_informal,53.07,4,none,1,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,male,45,35-44,highest,tertiary,self_employed,643.8,3,excellent,1,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,34,25-34,second,primary,employed_informal,85.59,3,limited,1,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,female,28,25-34,fourth,secondary,employed_formal,539.94,10,limited,1,50,1,digital_lender,4612.65,equipment,housing,1,4297.18,0.451,48,129.93,paid_off,not_applicable,low_burden
Uganda,2023,rural,female,60,55+,second,none,self_employed,131.92,7,none,0,246,1,commercial_bank,7824.15,property,housing,1,6761.32,0.142,36,214.58,current,not_applicable,low_burden
Uganda,2024,rural,female,47,45-54,second,secondary,self_employed,184.68,4,none,0,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,42,35-44,second,primary,self_employed,32.78,7,limited,0,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,female,24,18-24,fourth,secondary,self_employed,152.12,2,limited,0,826,1,family_friends,5801.1,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2019,rural,female,21,18-24,fourth,primary,employed_informal,307.53,2,good,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,59,55+,second,primary,self_employed,77.1,1,limited,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,urban,male,68,55+,second,secondary,farmer,145.64,5,none,0,28,1,informal_lender,2426.54,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2018,rural,female,48,45-54,lowest,none,employed_formal,65.02,10,none,1,0,1,digital_lender,2119.55,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2018,urban,female,20,18-24,lowest,primary,self_employed,53.35,6,none,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,rural,male,43,35-44,lowest,primary,employed_formal,68.92,9,none,0,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,32,25-34,lowest,secondary,employed_formal,88.16,5,none,1,462,1,sacco,21425.79,none,housing,1,17488.76,0.361,6,3965.59,paid_off,not_applicable,low_burden
Mali,2021,rural,female,20,18-24,fourth,none,employed_formal,345.11,10,good,1,755,1,microfinance,2432.67,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,rural,female,25,18-24,fourth,secondary,self_employed,546.11,6,none,0,285,1,family_friends,4042.11,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2024,rural,male,43,35-44,fourth,primary,employed_formal,72.04,10,good,1,826,1,microfinance,1860.16,none,agriculture,1,1834.19,0.362,24,104.1,late_30_days,not_applicable,low_burden
Malawi,2020,urban,male,40,35-44,fourth,secondary,farmer,326.39,3,excellent,0,800,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,male,47,45-54,highest,tertiary,farmer,1850.01,1,none,1,37,1,microfinance,5057.58,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2021,urban,female,54,45-54,highest,primary,employed_formal,540.92,8,limited,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,31,25-34,second,secondary,self_employed,60.24,2,none,1,727,1,microfinance,1377.73,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2023,urban,female,32,25-34,lowest,primary,employed_formal,82.26,5,none,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,53,45-54,lowest,none,employed_formal,59.51,6,none,0,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,male,28,25-34,highest,secondary,unemployed,681.32,3,none,1,612,1,digital_lender,6371.61,equipment,agriculture,1,5474.11,0.43,18,434.99,paid_off,not_applicable,low_burden
Niger,2024,rural,female,21,18-24,lowest,tertiary,self_employed,218.94,5,limited,1,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,62,55+,second,secondary,employed_formal,148.24,10,limited,1,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,28,25-34,middle,tertiary,farmer,106.3,2,limited,1,56,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,male,24,18-24,middle,primary,unemployed,73.01,6,limited,0,256,1,informal_lender,3722.81,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2020,rural,male,56,55+,middle,secondary,self_employed,265.66,5,good,1,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,45,35-44,fourth,none,farmer,172.38,6,good,1,696,1,family_friends,1511.59,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2020,rural,female,25,18-24,middle,tertiary,farmer,902.48,9,good,0,374,1,commercial_bank,5632.16,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2024,urban,male,62,55+,highest,secondary,farmer,1336.59,5,limited,0,401,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,urban,female,30,25-34,lowest,primary,self_employed,132.99,2,none,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,female,53,45-54,highest,secondary,farmer,790.29,3,limited,0,266,1,microfinance,4454.55,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
South Africa,2021,rural,female,51,45-54,middle,secondary,self_employed,438.52,10,limited,0,647,1,informal_lender,2825.93,property,agriculture,1,2378.93,0.779,48,88.18,late_60_days,not_applicable,low_burden
Mali,2022,rural,male,61,55+,lowest,tertiary,employed_informal,11.26,1,none,0,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,male,55,45-54,highest,secondary,employed_formal,286.01,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,urban,female,54,45-54,highest,tertiary,self_employed,2043.08,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,female,20,18-24,fourth,secondary,employed_formal,942.68,9,excellent,1,509,1,digital_lender,14072.73,vehicle,consumption,1,12728.31,0.417,18,1002.04,current,not_applicable,low_burden
Senegal,2021,rural,female,66,55+,highest,secondary,employed_formal,279.67,7,none,0,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,female,24,18-24,second,secondary,self_employed,33.96,9,none,0,680,1,microfinance,1309.39,none,housing,1,1265.06,0.329,12,140.06,late_60_days,not_applicable,low_burden
Zambia,2021,rural,male,31,25-34,lowest,none,unemployed,67.73,1,none,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,male,41,35-44,lowest,none,employed_formal,84.61,10,good,1,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,32,25-34,highest,tertiary,employed_informal,736.19,3,limited,1,681,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,female,48,45-54,fourth,tertiary,farmer,316.26,4,good,0,95,1,sacco,2200.78,guarantor,agriculture,1,2144.71,0.29,24,115.27,current,not_applicable,low_burden
South Africa,2024,urban,male,20,18-24,highest,tertiary,self_employed,270.97,1,good,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,female,41,35-44,fourth,none,farmer,253.61,6,none,1,103,1,employer,7774.43,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Tanzania,2021,rural,female,36,35-44,middle,primary,self_employed,170.75,2,none,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,51,45-54,lowest,tertiary,self_employed,41.04,2,good,0,760,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,urban,female,45,35-44,lowest,none,employed_informal,23.46,4,none,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,57,55+,middle,primary,self_employed,301.16,5,limited,0,565,1,digital_lender,10401.77,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2020,urban,female,26,25-34,fourth,primary,self_employed,901.76,10,none,1,360,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,67,55+,lowest,tertiary,employed_formal,34.54,10,limited,1,189,1,microfinance,2405.34,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2020,urban,male,38,35-44,highest,secondary,employed_informal,869.69,5,excellent,0,850,1,sacco,4263.36,equipment,agriculture,1,3670.83,0.331,36,135.76,late_60_days,not_applicable,low_burden
Malawi,2021,urban,male,36,35-44,fourth,primary,self_employed,347.4,6,none,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,female,46,45-54,second,secondary,farmer,86.25,8,limited,0,5,1,commercial_bank,2528.89,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2023,urban,female,26,25-34,highest,none,self_employed,1399.03,4,excellent,1,519,1,commercial_bank,6119.81,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2018,urban,female,60,55+,middle,secondary,farmer,428.56,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,31,25-34,fourth,secondary,farmer,699.7,7,limited,0,512,1,microfinance,6672.88,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2025,rural,female,66,55+,second,secondary,employed_formal,253.68,10,good,0,830,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,25,18-24,second,primary,unemployed,160.46,6,none,0,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,female,62,55+,lowest,primary,farmer,440.45,4,none,0,237,1,digital_lender,8779.52,equipment,emergency,1,8326.78,0.495,18,691.39,current,not_applicable,low_burden
Rwanda,2023,rural,male,38,35-44,middle,none,employed_informal,591.87,1,none,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,female,49,45-54,fourth,tertiary,self_employed,208.02,6,none,1,167,1,commercial_bank,4173.2,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2023,urban,female,63,55+,highest,primary,employed_informal,1082.4,4,none,0,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,24,18-24,highest,primary,unemployed,246.72,1,none,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,rural,male,36,35-44,lowest,primary,self_employed,61.4,2,none,0,461,1,informal_lender,2606.89,none,asset_purchase,1,2358.28,0.768,12,347.47,late_30_days,not_applicable,low_burden
Kenya,2020,rural,female,67,55+,highest,tertiary,self_employed,2142.88,6,good,1,195,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,male,25,18-24,lowest,secondary,unemployed,629.69,6,none,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,male,23,18-24,lowest,none,self_employed,55.34,4,limited,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,male,45,35-44,fourth,secondary,employed_informal,621.87,6,none,1,166,1,commercial_bank,4819.83,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2022,rural,female,19,18-24,highest,primary,self_employed,1014.38,2,limited,0,753,1,family_friends,11881.47,savings,consumption,1,10919.81,0.023,24,465.27,current,not_applicable,low_burden
Zambia,2021,rural,female,69,55+,highest,secondary,farmer,2654.76,2,none,0,398,1,sacco,14608.73,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2020,rural,male,64,55+,fourth,tertiary,employed_informal,165.71,8,none,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,27,25-34,lowest,secondary,self_employed,386.52,7,excellent,1,576,1,commercial_bank,1800.1,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2025,urban,male,26,25-34,lowest,tertiary,self_employed,71.98,2,good,0,590,1,family_friends,955.07,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2018,rural,male,58,55+,lowest,secondary,self_employed,26.55,6,limited,1,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,female,45,35-44,middle,primary,unemployed,239.28,2,limited,1,233,1,informal_lender,3671.45,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2024,rural,male,60,55+,middle,secondary,self_employed,113.48,1,none,0,489,1,informal_lender,5961.98,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2022,rural,male,68,55+,lowest,secondary,self_employed,80.79,4,none,0,624,1,digital_lender,5861.94,savings,housing,1,5205.42,0.409,6,1222.51,current,not_applicable,low_burden
Mali,2022,urban,female,38,35-44,second,primary,farmer,56.92,9,limited,1,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,male,31,25-34,middle,secondary,employed_informal,329.46,4,good,1,766,1,informal_lender,8043.15,none,business,1,6719.65,0.781,24,498.79,current,not_applicable,low_burden
Malawi,2019,urban,female,50,45-54,fourth,none,employed_formal,782.97,10,excellent,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,female,51,45-54,second,primary,unemployed,510.97,3,limited,0,519,1,family_friends,5538.67,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2024,urban,female,40,35-44,second,tertiary,farmer,291.41,1,none,1,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,female,33,25-34,middle,none,self_employed,540.89,10,limited,0,535,1,digital_lender,14936.63,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2023,rural,male,31,25-34,fourth,secondary,employed_formal,215.8,10,limited,1,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,45,35-44,second,primary,employed_informal,159.85,7,none,0,589,1,digital_lender,2473.29,property,housing,1,2384.47,0.488,24,147.85,current,not_applicable,low_burden
Rwanda,2024,rural,female,40,35-44,lowest,secondary,employed_formal,12.65,5,none,0,14,1,commercial_bank,1159.29,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2020,rural,male,41,35-44,highest,tertiary,self_employed,613.1,9,none,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,22,18-24,fourth,secondary,self_employed,644.87,1,none,1,595,1,commercial_bank,2836.38,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2021,rural,female,63,55+,lowest,secondary,employed_informal,84.13,6,good,1,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,female,54,45-54,middle,primary,self_employed,66.45,5,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,65,55+,middle,primary,unemployed,152.2,3,limited,1,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,61,55+,lowest,secondary,unemployed,50.54,1,none,1,121,1,commercial_bank,1967.18,none,asset_purchase,1,1787.82,0.132,12,168.59,current,not_applicable,low_burden
Mozambique,2025,rural,female,50,45-54,lowest,secondary,farmer,44.61,9,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,33,25-34,highest,secondary,self_employed,1103.04,6,limited,0,823,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,52,45-54,middle,secondary,self_employed,171.84,3,limited,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,47,45-54,lowest,primary,self_employed,64.58,4,good,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,66,55+,fourth,primary,employed_informal,234.06,7,limited,1,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,30,25-34,middle,tertiary,farmer,628.73,2,good,0,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,19,18-24,middle,secondary,farmer,662.34,3,none,0,498,1,sacco,4009.78,equipment,business,1,3530.09,0.334,6,784.64,current,not_applicable,low_burden
DRC,2023,rural,female,24,18-24,second,secondary,self_employed,97.76,10,limited,0,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,female,27,25-34,lowest,secondary,employed_informal,660.98,9,none,1,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,52,45-54,lowest,tertiary,employed_informal,35.23,4,limited,0,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,female,25,18-24,highest,tertiary,unemployed,2004.91,2,limited,1,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,24,18-24,middle,primary,employed_informal,102.78,5,none,1,463,1,family_friends,8056.63,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2021,urban,female,38,35-44,fourth,tertiary,employed_formal,845.08,6,limited,1,661,1,informal_lender,16571.76,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2024,rural,female,58,55+,lowest,primary,self_employed,97.99,3,limited,1,262,1,commercial_bank,3263.53,equipment,agriculture,1,3051.62,0.168,6,594.25,paid_off,not_applicable,low_burden
Zambia,2022,urban,female,40,35-44,fourth,primary,farmer,242.28,2,none,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,male,32,25-34,middle,tertiary,employed_formal,272.3,10,limited,0,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,male,32,25-34,middle,primary,employed_informal,1102.94,3,good,0,850,1,commercial_bank,10909.97,guarantor,education,1,9656.73,0.162,48,233.72,late_60_days,not_applicable,low_burden
Mali,2020,rural,female,60,55+,second,primary,farmer,68.6,2,none,0,154,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,40,35-44,middle,secondary,unemployed,264.97,3,limited,0,55,1,informal_lender,3246.85,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2025,rural,female,37,35-44,lowest,tertiary,self_employed,76.18,2,good,0,612,1,digital_lender,620.85,savings,consumption,1,602.12,0.417,24,35.56,late_30_days,not_applicable,low_burden
Ethiopia,2022,urban,female,58,55+,lowest,none,farmer,87.24,10,none,0,0,1,family_friends,1899.18,savings,agriculture,1,1570.88,0.083,12,141.81,late_60_days,not_applicable,low_burden
Nigeria,2023,rural,female,37,35-44,fourth,secondary,employed_informal,98.15,9,none,1,62,1,family_friends,4924.86,none,agriculture,1,3969.36,0.082,36,119.33,current,not_applicable,low_burden
Ethiopia,2018,urban,male,36,35-44,lowest,secondary,farmer,160.51,5,limited,1,448,1,microfinance,4970.76,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Rwanda,2025,rural,female,57,55+,lowest,primary,self_employed,60.73,2,limited,1,314,1,commercial_bank,2055.92,savings,asset_purchase,1,1878.86,0.134,36,59.19,late_60_days,not_applicable,low_burden
Uganda,2019,rural,male,35,25-34,highest,secondary,farmer,1438.0,2,good,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,44,35-44,second,secondary,farmer,212.84,9,limited,0,299,1,family_friends,6663.52,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2021,rural,female,52,45-54,middle,secondary,employed_informal,209.23,5,limited,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,28,25-34,fourth,secondary,employed_informal,427.99,6,limited,0,638,1,informal_lender,4258.55,none,consumption,1,3625.6,0.808,36,182.05,current,not_applicable,low_burden
Niger,2025,urban,male,24,18-24,fourth,tertiary,farmer,246.42,2,none,0,540,1,informal_lender,2284.9,none,emergency,1,1881.94,0.791,18,187.31,current,not_applicable,low_burden
Tanzania,2024,urban,male,62,55+,lowest,secondary,employed_formal,267.47,10,limited,1,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,female,33,25-34,middle,none,farmer,229.41,6,none,0,464,1,family_friends,6865.84,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2022,urban,female,35,25-34,middle,secondary,self_employed,231.49,1,excellent,0,428,1,digital_lender,3062.69,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Uganda,2024,urban,female,48,45-54,second,secondary,employed_formal,447.16,4,none,1,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,23,18-24,fourth,none,farmer,392.08,10,none,1,0,1,commercial_bank,10098.85,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2018,urban,female,20,18-24,highest,secondary,self_employed,839.5,1,good,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,male,39,35-44,lowest,secondary,farmer,80.48,3,none,1,168,1,digital_lender,876.68,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2024,rural,female,68,55+,lowest,primary,employed_informal,93.36,1,none,1,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,female,47,45-54,fourth,primary,employed_formal,303.53,4,good,0,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,female,48,45-54,second,secondary,employed_informal,231.35,9,good,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,male,49,45-54,fourth,primary,employed_informal,202.13,8,none,1,363,1,commercial_bank,2976.27,none,education,1,2399.07,0.131,24,113.02,late_30_days,not_applicable,low_burden
Tanzania,2022,urban,female,62,55+,lowest,tertiary,farmer,107.94,4,none,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,61,55+,lowest,none,self_employed,157.36,2,limited,0,341,1,commercial_bank,5425.42,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2024,rural,female,19,18-24,fourth,secondary,employed_formal,509.57,6,limited,1,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,female,46,45-54,highest,secondary,unemployed,138.32,1,none,1,834,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,female,46,45-54,lowest,primary,employed_formal,82.24,10,none,1,415,1,microfinance,3942.78,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2021,urban,male,29,25-34,highest,secondary,self_employed,423.47,6,good,1,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,68,55+,second,none,unemployed,298.38,1,none,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,male,31,25-34,lowest,primary,farmer,68.36,1,good,1,141,1,commercial_bank,2386.71,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2025,rural,male,61,55+,middle,secondary,employed_informal,455.14,2,none,1,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,23,18-24,second,primary,unemployed,77.2,1,limited,0,688,1,family_friends,3397.19,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2023,urban,female,49,45-54,fourth,secondary,self_employed,646.63,3,limited,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,56,55+,second,secondary,employed_formal,121.98,8,none,0,0,1,employer,3727.6,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2025,urban,male,44,35-44,middle,none,employed_formal,2065.58,10,limited,1,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,female,23,18-24,lowest,primary,unemployed,204.97,1,none,1,612,1,family_friends,1723.79,none,housing,1,1644.62,0.031,6,282.47,paid_off,not_applicable,low_burden
DRC,2021,rural,male,24,18-24,fourth,tertiary,employed_informal,719.13,4,good,0,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,male,49,45-54,highest,primary,farmer,4096.07,6,limited,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,female,62,55+,second,secondary,employed_formal,147.96,4,none,0,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,male,49,45-54,second,none,employed_informal,168.79,8,limited,1,52,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,urban,male,23,18-24,highest,tertiary,farmer,853.08,1,good,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,58,55+,lowest,primary,unemployed,113.05,1,none,0,731,1,microfinance,2673.31,guarantor,housing,1,2651.82,0.289,12,284.81,current,not_applicable,low_burden
Ethiopia,2025,urban,male,41,35-44,fourth,primary,employed_formal,70.76,10,none,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,male,21,18-24,middle,secondary,employed_informal,298.85,5,good,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,37,35-44,highest,primary,farmer,1161.04,8,none,1,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,28,25-34,second,secondary,self_employed,108.77,3,limited,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,69,55+,second,none,self_employed,41.54,9,none,1,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,male,65,55+,second,none,employed_informal,109.23,4,limited,1,357,1,family_friends,3759.57,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2023,rural,male,23,18-24,lowest,primary,unemployed,20.59,1,none,0,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,47,45-54,lowest,secondary,employed_informal,208.5,1,none,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,18,18-24,highest,tertiary,employed_informal,554.56,4,good,1,564,1,commercial_bank,8487.32,guarantor,housing,1,7835.07,0.206,18,525.1,current,not_applicable,low_burden
Zambia,2024,urban,male,41,35-44,lowest,none,employed_informal,21.21,6,limited,0,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,26,25-34,lowest,tertiary,employed_informal,77.77,1,none,1,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,56,55+,second,secondary,self_employed,227.03,2,limited,0,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,21,18-24,second,none,employed_informal,137.22,4,limited,0,97,1,digital_lender,3453.24,equipment,agriculture,1,3296.2,0.445,6,793.69,late_60_days,not_applicable,low_burden
Mali,2022,rural,male,64,55+,middle,none,self_employed,105.49,8,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,male,30,25-34,lowest,primary,self_employed,55.9,6,limited,0,621,1,microfinance,1807.94,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2019,rural,female,31,25-34,fourth,none,employed_formal,269.76,4,excellent,0,176,1,family_friends,2109.91,vehicle,housing,1,2041.75,0.08,6,367.45,current,not_applicable,low_burden
Ghana,2019,urban,male,64,55+,fourth,secondary,unemployed,361.61,1,none,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,64,55+,lowest,secondary,self_employed,24.94,1,good,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,22,18-24,fourth,primary,employed_informal,314.5,4,limited,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,female,23,18-24,second,secondary,employed_formal,47.69,6,none,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,male,62,55+,second,primary,self_employed,235.72,2,limited,0,151,1,sacco,6995.55,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2022,urban,female,68,55+,highest,tertiary,farmer,2096.64,5,none,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,43,35-44,highest,secondary,farmer,329.01,6,good,1,226,1,digital_lender,7479.83,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2025,rural,female,26,25-34,second,primary,farmer,73.45,7,limited,0,183,1,family_friends,5069.63,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2021,rural,female,25,18-24,middle,secondary,employed_informal,148.74,10,none,1,0,1,microfinance,1941.38,none,business,1,1865.83,0.367,6,425.06,current,not_applicable,low_burden
Nigeria,2019,urban,female,31,25-34,second,primary,unemployed,177.02,3,none,1,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,female,53,45-54,middle,tertiary,employed_informal,357.13,10,none,0,671,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,23,18-24,fourth,primary,employed_informal,680.25,10,limited,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,51,45-54,lowest,tertiary,self_employed,81.95,9,excellent,1,778,1,digital_lender,3149.87,equipment,agriculture,1,2725.74,0.44,12,327.12,current,not_applicable,low_burden
Ethiopia,2021,rural,male,59,55+,highest,tertiary,employed_formal,1970.46,7,good,0,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,25,18-24,fourth,secondary,self_employed,343.98,1,good,1,187,1,commercial_bank,3417.41,none,business,1,2735.54,0.186,12,270.26,current,not_applicable,low_burden
Ghana,2021,rural,male,69,55+,lowest,secondary,employed_informal,24.21,1,limited,0,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,69,55+,highest,secondary,farmer,215.27,9,none,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,33,25-34,fourth,none,farmer,1545.91,9,limited,0,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,23,18-24,second,tertiary,self_employed,173.31,4,none,0,457,1,microfinance,4051.37,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Tanzania,2018,urban,female,34,25-34,middle,primary,self_employed,344.75,8,none,0,310,1,informal_lender,29640.52,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2019,urban,male,31,25-34,highest,tertiary,employed_informal,1356.45,5,none,1,182,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,male,32,25-34,highest,secondary,farmer,1108.21,1,good,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,66,55+,second,none,self_employed,245.07,7,limited,0,347,1,family_friends,7777.92,guarantor,business,1,7199.45,0.097,36,219.44,late_60_days,not_applicable,low_burden
Uganda,2024,urban,male,26,25-34,middle,primary,self_employed,229.87,1,none,1,415,1,commercial_bank,2801.65,guarantor,education,1,2772.28,0.147,12,264.9,paid_off,not_applicable,low_burden
Kenya,2023,rural,female,34,25-34,highest,primary,employed_formal,1389.86,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,female,58,55+,highest,none,employed_informal,686.02,5,good,0,491,1,family_friends,5860.43,savings,business,1,5728.6,0.005,18,319.98,late_30_days,not_applicable,low_burden
Niger,2020,urban,female,20,18-24,lowest,secondary,self_employed,47.75,1,limited,1,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,21,18-24,middle,none,farmer,91.35,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,female,33,25-34,highest,tertiary,farmer,562.23,8,none,0,812,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,68,55+,lowest,primary,unemployed,146.29,2,none,0,422,1,sacco,2964.05,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2020,urban,male,61,55+,second,primary,self_employed,131.39,1,limited,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,male,66,55+,middle,primary,self_employed,113.67,3,limited,0,30,1,family_friends,3589.58,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2018,rural,male,62,55+,middle,none,farmer,244.13,10,none,0,708,1,microfinance,1809.77,none,education,1,1449.54,0.317,24,79.54,defaulted,not_applicable,low_burden
Mali,2024,rural,female,24,18-24,fourth,secondary,employed_informal,209.05,10,none,1,0,1,microfinance,5155.23,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2025,rural,male,38,35-44,lowest,primary,self_employed,178.06,10,limited,1,155,1,microfinance,1117.81,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2021,rural,male,45,35-44,fourth,secondary,farmer,699.62,6,good,1,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,female,26,25-34,second,secondary,employed_informal,49.83,5,none,0,187,1,informal_lender,882.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2025,rural,female,69,55+,fourth,primary,employed_informal,291.95,8,limited,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,male,49,45-54,second,primary,self_employed,106.66,10,excellent,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,62,55+,lowest,primary,self_employed,26.73,2,limited,1,478,1,commercial_bank,6277.25,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Kenya,2021,urban,male,31,25-34,highest,primary,employed_informal,952.57,9,none,1,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,55,45-54,fourth,secondary,employed_informal,584.69,7,limited,0,15,1,informal_lender,5152.65,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2022,urban,female,23,18-24,second,none,employed_informal,170.91,2,good,1,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,urban,female,19,18-24,second,primary,farmer,126.09,9,good,1,371,1,commercial_bank,8170.78,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2022,rural,female,51,45-54,middle,secondary,unemployed,42.69,1,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,21,18-24,highest,primary,unemployed,416.65,1,none,1,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,32,25-34,second,tertiary,farmer,266.29,4,none,1,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,59,55+,highest,secondary,employed_informal,259.55,6,none,0,613,1,microfinance,2845.89,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2025,urban,male,43,35-44,second,secondary,employed_formal,444.13,8,limited,0,772,1,microfinance,1624.65,none,consumption,1,1593.52,0.319,24,87.56,current,not_applicable,low_burden
Mozambique,2019,rural,male,37,35-44,fourth,secondary,self_employed,219.15,3,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,33,25-34,second,primary,self_employed,138.92,7,limited,1,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,52,45-54,lowest,none,farmer,67.96,5,limited,1,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,rural,male,67,55+,highest,secondary,employed_informal,291.46,2,limited,0,719,1,family_friends,2579.96,vehicle,education,1,2069.57,0.093,12,188.49,current,not_applicable,low_burden
Malawi,2024,rural,male,56,55+,lowest,primary,unemployed,81.98,5,none,0,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,male,36,35-44,highest,primary,employed_informal,651.78,4,none,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,female,39,35-44,lowest,secondary,self_employed,33.62,7,none,0,91,1,microfinance,10354.84,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2018,urban,female,23,18-24,second,secondary,farmer,34.3,4,good,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,female,25,18-24,highest,secondary,self_employed,1652.75,8,none,0,619,1,digital_lender,4156.88,none,agriculture,1,3767.3,0.446,24,226.91,current,not_applicable,low_burden
Senegal,2022,urban,female,31,25-34,middle,none,farmer,299.65,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,female,38,35-44,lowest,tertiary,farmer,194.98,3,none,1,197,1,commercial_bank,11988.61,none,agriculture,1,11635.32,0.174,36,379.57,current,not_applicable,low_burden
Zambia,2019,rural,male,69,55+,middle,none,farmer,308.73,1,limited,0,493,1,informal_lender,6099.8,savings,agriculture,1,5387.39,0.8,24,404.01,late_30_days,not_applicable,low_burden
Zambia,2020,urban,male,63,55+,lowest,tertiary,farmer,194.97,9,limited,0,600,1,digital_lender,4436.78,property,business,1,4156.24,0.445,12,500.33,paid_off,not_applicable,low_burden
Zambia,2019,rural,male,23,18-24,highest,primary,self_employed,447.38,8,excellent,0,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,male,35,25-34,lowest,tertiary,self_employed,23.05,7,none,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,20,18-24,middle,tertiary,farmer,341.11,7,none,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,male,21,18-24,lowest,primary,self_employed,98.44,1,good,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,37,35-44,fourth,secondary,self_employed,237.9,5,none,1,0,1,commercial_bank,2852.27,equipment,agriculture,1,2414.45,0.22,24,122.72,current,not_applicable,low_burden
Senegal,2020,rural,female,67,55+,highest,none,self_employed,1116.79,9,none,1,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,27,25-34,fourth,none,employed_informal,610.34,3,good,1,639,1,family_friends,3790.07,vehicle,agriculture,1,3767.42,0.062,24,166.67,paid_off,not_applicable,low_burden
DRC,2021,rural,male,53,45-54,second,primary,self_employed,189.72,1,limited,0,701,1,employer,5729.58,guarantor,business,1,4634.18,0.08,12,416.93,current,not_applicable,low_burden
South Africa,2020,rural,male,38,35-44,lowest,secondary,unemployed,29.45,5,none,0,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,46,45-54,lowest,none,employed_informal,119.42,1,excellent,0,646,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,male,63,55+,highest,secondary,employed_informal,661.87,7,none,1,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,male,61,55+,lowest,tertiary,employed_informal,128.73,9,none,1,0,1,commercial_bank,7726.1,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2019,rural,male,61,55+,middle,tertiary,self_employed,393.9,8,none,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,39,35-44,second,primary,employed_informal,196.12,1,none,1,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,male,20,18-24,highest,secondary,farmer,614.33,9,none,0,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,male,69,55+,middle,none,employed_informal,328.66,1,good,0,158,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,69,55+,middle,primary,employed_informal,435.23,9,excellent,1,850,1,digital_lender,6397.4,none,business,1,5926.9,0.415,18,466.07,current,not_applicable,low_burden
South Africa,2023,rural,female,62,55+,highest,tertiary,employed_formal,1015.39,4,limited,0,494,1,family_friends,12431.08,none,business,1,10031.32,0.088,6,1818.34,current,not_applicable,low_burden
Niger,2019,urban,male,42,35-44,highest,tertiary,employed_formal,1141.54,8,good,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,male,32,25-34,middle,primary,farmer,491.08,9,none,1,125,1,family_friends,4622.6,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2018,rural,male,27,25-34,fourth,primary,unemployed,228.22,1,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,37,35-44,middle,primary,farmer,577.15,1,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,rural,male,35,25-34,second,primary,farmer,37.38,1,limited,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,female,32,25-34,lowest,none,employed_formal,61.71,7,none,0,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,67,55+,fourth,none,unemployed,248.18,1,none,1,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,female,52,45-54,fourth,primary,self_employed,314.09,3,excellent,0,534,1,sacco,18390.83,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2022,rural,male,29,25-34,lowest,primary,farmer,74.59,5,none,0,181,1,family_friends,3254.75,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2023,urban,female,51,45-54,lowest,secondary,self_employed,40.87,4,limited,0,784,1,digital_lender,7543.12,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2021,rural,female,54,45-54,fourth,secondary,employed_informal,1487.23,6,none,0,582,1,informal_lender,5206.29,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Rwanda,2025,urban,female,45,35-44,lowest,secondary,employed_informal,34.88,3,limited,0,491,1,informal_lender,2037.84,none,asset_purchase,1,1647.31,0.847,12,253.55,current,not_applicable,low_burden
Rwanda,2025,rural,male,67,55+,fourth,primary,employed_formal,169.43,7,limited,0,9,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,68,55+,fourth,secondary,self_employed,158.59,9,none,0,229,1,family_friends,7234.06,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2025,rural,female,40,35-44,second,none,self_employed,139.39,8,none,1,731,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,42,35-44,second,tertiary,unemployed,246.78,4,limited,1,836,1,family_friends,4938.58,none,business,1,4217.87,0.096,6,770.24,late_60_days,not_applicable,low_burden
South Africa,2018,urban,female,29,25-34,second,none,employed_formal,261.52,7,limited,0,572,1,microfinance,6332.09,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2021,urban,female,58,55+,second,tertiary,self_employed,507.23,9,none,0,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,66,55+,middle,none,self_employed,167.21,4,none,0,631,1,sacco,2160.33,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2024,rural,female,52,45-54,fourth,secondary,employed_formal,522.92,10,none,0,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,female,28,25-34,highest,none,employed_informal,536.92,8,none,0,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,44,35-44,lowest,secondary,self_employed,105.42,4,good,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,urban,male,59,55+,fourth,secondary,self_employed,1068.91,7,none,0,175,1,informal_lender,6383.32,property,agriculture,1,5126.05,0.848,6,1579.06,late_60_days,not_applicable,low_burden
Nigeria,2024,rural,male,20,18-24,second,none,employed_informal,37.1,2,limited,0,569,1,digital_lender,1268.44,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2018,rural,female,48,45-54,fourth,secondary,employed_formal,1328.79,7,limited,0,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,52,45-54,lowest,none,employed_informal,81.18,6,good,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,male,45,35-44,middle,secondary,farmer,96.9,7,none,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,male,51,45-54,middle,primary,farmer,183.7,4,limited,0,534,1,informal_lender,3830.66,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mali,2021,urban,female,64,55+,second,secondary,employed_informal,194.4,8,limited,1,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,24,18-24,highest,tertiary,self_employed,609.82,7,none,0,211,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,male,47,45-54,lowest,primary,unemployed,21.43,5,none,0,499,1,family_friends,1549.56,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2018,rural,male,59,55+,lowest,secondary,employed_informal,64.46,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,male,60,55+,middle,tertiary,employed_informal,120.67,6,none,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,male,42,35-44,middle,secondary,employed_formal,470.65,10,none,1,335,1,digital_lender,4271.32,equipment,agriculture,1,3594.18,0.47,6,880.41,late_30_days,not_applicable,low_burden
Niger,2022,rural,female,69,55+,second,primary,employed_informal,57.42,5,limited,0,778,1,family_friends,3718.59,guarantor,housing,1,3089.37,0.067,36,91.58,late_30_days,not_applicable,low_burden
Nigeria,2024,rural,female,34,25-34,second,primary,farmer,590.75,3,none,1,602,1,commercial_bank,3390.51,property,housing,1,3330.78,0.137,12,315.52,late_30_days,not_applicable,low_burden
Mali,2023,rural,female,40,35-44,lowest,primary,farmer,86.3,6,none,0,681,1,commercial_bank,822.91,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2025,rural,female,60,55+,highest,primary,self_employed,762.1,5,none,0,7,1,family_friends,5047.35,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2020,urban,male,40,35-44,middle,primary,employed_informal,461.51,5,none,1,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,35,25-34,lowest,secondary,farmer,16.83,10,limited,0,440,1,informal_lender,5758.54,savings,emergency,1,4654.57,0.778,6,1379.53,current,not_applicable,low_burden
South Africa,2019,rural,male,46,45-54,second,secondary,employed_informal,85.67,5,none,0,494,1,informal_lender,4045.53,guarantor,education,1,3731.44,0.829,24,284.32,paid_off,not_applicable,low_burden
Ghana,2021,rural,male,50,45-54,highest,secondary,employed_informal,2313.3,3,none,0,796,1,microfinance,6671.56,none,agriculture,1,6231.96,0.306,18,452.2,current,not_applicable,low_burden
Mozambique,2023,urban,female,68,55+,highest,none,employed_formal,791.73,4,limited,1,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,male,50,45-54,lowest,none,farmer,86.0,2,limited,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,27,25-34,middle,secondary,farmer,215.24,6,limited,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,20,18-24,lowest,secondary,self_employed,167.92,3,none,0,0,1,family_friends,5081.66,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2018,rural,male,68,55+,lowest,tertiary,farmer,50.76,2,none,1,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,male,39,35-44,highest,secondary,employed_informal,412.42,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,28,25-34,highest,primary,self_employed,4037.93,3,none,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,29,25-34,lowest,secondary,farmer,34.32,6,none,0,0,1,microfinance,1919.71,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2021,urban,female,23,18-24,highest,secondary,unemployed,925.33,1,limited,0,638,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,male,28,25-34,fourth,none,self_employed,182.92,10,good,1,393,1,digital_lender,5079.61,equipment,business,1,4897.78,0.462,18,397.82,late_30_days,not_applicable,low_burden
South Africa,2024,rural,female,58,55+,fourth,secondary,employed_informal,201.78,10,good,0,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,52,45-54,fourth,primary,unemployed,157.03,5,none,1,101,1,commercial_bank,6426.34,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2022,rural,male,49,45-54,middle,primary,self_employed,137.05,2,excellent,0,613,1,microfinance,4030.93,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2019,rural,male,18,18-24,highest,none,employed_informal,1322.32,8,none,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,male,52,45-54,lowest,secondary,employed_formal,15.91,4,good,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,male,68,55+,middle,secondary,employed_formal,721.18,10,none,0,0,1,digital_lender,7478.92,vehicle,business,1,6532.65,0.459,36,264.69,late_60_days,not_applicable,low_burden
Kenya,2022,rural,female,66,55+,second,primary,self_employed,259.87,8,excellent,0,370,1,sacco,11295.09,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2019,rural,male,38,35-44,fourth,secondary,self_employed,470.91,3,good,1,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,female,49,45-54,lowest,secondary,employed_informal,98.16,5,good,0,529,1,employer,4346.46,guarantor,agriculture,1,3635.05,0.058,18,213.67,current,not_applicable,low_burden
Malawi,2019,urban,female,33,25-34,second,primary,employed_informal,219.63,10,limited,0,631,1,informal_lender,4866.42,guarantor,business,1,4011.68,0.787,18,398.28,current,not_applicable,low_burden
Niger,2020,urban,male,64,55+,fourth,none,self_employed,1332.36,2,none,0,409,1,informal_lender,9119.03,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2023,urban,female,65,55+,second,primary,self_employed,53.32,6,limited,1,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,29,25-34,lowest,none,employed_informal,100.23,4,none,1,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,43,35-44,second,tertiary,employed_informal,107.34,2,limited,1,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,30,25-34,fourth,secondary,farmer,587.77,7,none,1,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,urban,male,49,45-54,second,none,unemployed,117.78,6,none,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,33,25-34,second,secondary,self_employed,296.82,6,none,1,260,1,commercial_bank,3476.1,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ethiopia,2025,urban,female,54,45-54,middle,primary,farmer,100.92,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,69,55+,highest,none,farmer,302.93,6,none,0,331,1,informal_lender,2330.9,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2022,rural,female,63,55+,fourth,primary,employed_formal,304.65,5,limited,1,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,urban,male,27,25-34,lowest,none,unemployed,245.47,1,none,0,0,1,microfinance,6766.57,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2023,urban,female,24,18-24,highest,primary,self_employed,1441.9,8,none,1,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,male,60,55+,fourth,primary,self_employed,712.44,6,limited,1,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,22,18-24,fourth,primary,self_employed,898.25,3,none,0,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,38,35-44,middle,primary,employed_informal,151.48,1,limited,0,271,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,69,55+,lowest,secondary,farmer,92.37,2,none,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,male,41,35-44,fourth,primary,farmer,327.85,6,excellent,0,792,1,informal_lender,10924.87,guarantor,emergency,1,9051.32,0.838,12,1386.72,current,not_applicable,low_burden
South Africa,2020,rural,female,18,18-24,middle,primary,employed_formal,160.53,6,none,1,0,1,employer,4940.37,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2020,rural,female,68,55+,second,primary,self_employed,106.21,8,none,1,452,1,commercial_bank,4555.48,guarantor,housing,1,4121.81,0.155,18,264.46,current,not_applicable,low_burden
Kenya,2025,rural,male,54,45-54,lowest,tertiary,unemployed,41.12,2,good,0,810,1,family_friends,1310.99,none,debt_consolidation,1,1205.28,0.077,24,54.09,late_30_days,not_applicable,low_burden
Ghana,2022,rural,female,35,25-34,lowest,none,unemployed,57.52,1,good,1,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,49,45-54,middle,secondary,self_employed,249.67,3,limited,0,647,1,employer,3186.06,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2019,rural,female,49,45-54,lowest,primary,employed_informal,36.71,1,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,46,45-54,middle,primary,employed_informal,181.25,1,none,1,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,rural,female,67,55+,fourth,secondary,employed_informal,367.6,8,limited,0,586,1,employer,2463.67,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2021,rural,male,58,55+,second,secondary,farmer,56.17,4,none,0,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,31,25-34,lowest,tertiary,farmer,80.68,9,none,1,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,female,69,55+,lowest,primary,unemployed,63.61,1,limited,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,male,68,55+,second,primary,employed_formal,139.36,7,none,0,604,1,family_friends,3110.63,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2023,rural,female,20,18-24,fourth,secondary,unemployed,206.98,2,good,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,rural,male,33,25-34,middle,primary,unemployed,417.24,1,none,0,161,1,family_friends,10086.51,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mali,2022,rural,female,49,45-54,highest,secondary,farmer,1296.73,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,63,55+,highest,secondary,unemployed,318.54,1,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,55,45-54,lowest,primary,self_employed,86.99,1,excellent,1,314,1,microfinance,1972.49,equipment,agriculture,1,1889.02,0.273,12,200.32,paid_off,not_applicable,low_burden
Ghana,2019,rural,male,47,45-54,fourth,secondary,employed_informal,907.51,9,good,0,409,1,informal_lender,7292.01,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2023,urban,male,33,25-34,second,none,employed_informal,93.19,3,none,0,30,1,family_friends,4694.69,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2025,rural,male,23,18-24,middle,none,employed_formal,108.86,5,none,1,441,1,commercial_bank,6762.58,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2023,rural,male,64,55+,second,tertiary,employed_formal,202.93,6,none,0,0,1,digital_lender,1561.65,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2019,rural,female,45,35-44,second,none,farmer,48.58,5,limited,1,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,41,35-44,fourth,primary,employed_informal,285.45,5,none,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,68,55+,middle,secondary,employed_formal,98.3,10,limited,0,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,female,26,25-34,second,primary,employed_formal,204.7,10,good,1,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,31,25-34,lowest,none,farmer,37.1,3,none,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,male,62,55+,middle,primary,unemployed,244.47,1,limited,1,498,1,microfinance,3394.35,property,housing,1,3261.6,0.354,6,735.95,current,not_applicable,low_burden
Zambia,2022,rural,male,32,25-34,fourth,primary,self_employed,195.29,2,good,0,233,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,male,67,55+,middle,primary,farmer,666.66,2,good,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,female,62,55+,lowest,secondary,unemployed,49.24,1,none,0,425,1,microfinance,1538.22,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Niger,2021,rural,female,23,18-24,second,primary,farmer,45.29,1,none,0,685,1,informal_lender,1369.94,savings,agriculture,1,1326.86,0.826,12,201.88,defaulted,not_applicable,low_burden
Nigeria,2021,rural,male,41,35-44,fourth,tertiary,farmer,119.77,5,limited,1,40,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,male,57,55+,fourth,primary,self_employed,799.41,7,none,1,222,1,digital_lender,5761.1,guarantor,emergency,1,4792.87,0.498,12,598.27,current,not_applicable,low_burden
Nigeria,2020,rural,male,43,35-44,lowest,primary,unemployed,102.97,5,limited,1,160,1,sacco,996.01,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2018,rural,male,29,25-34,middle,tertiary,employed_informal,479.29,4,excellent,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,female,20,18-24,second,secondary,farmer,74.86,3,limited,0,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,male,18,18-24,middle,primary,self_employed,253.78,7,none,0,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,27,25-34,lowest,primary,employed_informal,329.45,7,none,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,male,31,25-34,middle,secondary,farmer,161.85,7,good,0,452,1,informal_lender,3075.4,equipment,business,1,2918.75,0.762,12,428.59,late_60_days,not_applicable,low_burden
Uganda,2020,urban,male,33,25-34,highest,none,farmer,667.76,2,none,1,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,male,62,55+,second,primary,farmer,119.54,1,none,0,363,1,informal_lender,3471.67,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2022,rural,male,44,35-44,second,secondary,unemployed,175.79,2,limited,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,male,25,18-24,lowest,secondary,farmer,86.28,5,limited,1,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,22,18-24,lowest,secondary,self_employed,39.18,3,none,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,24,18-24,highest,primary,unemployed,657.73,6,limited,0,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,urban,female,34,25-34,highest,tertiary,employed_informal,804.96,2,limited,0,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,male,56,55+,lowest,none,employed_formal,53.91,6,none,0,638,1,commercial_bank,1327.41,savings,housing,1,1081.23,0.21,24,54.53,defaulted,not_applicable,low_burden
Malawi,2018,rural,female,20,18-24,highest,secondary,self_employed,279.77,8,none,1,745,1,commercial_bank,3571.0,none,agriculture,1,3485.7,0.161,24,168.61,late_30_days,not_applicable,low_burden
Zambia,2024,rural,male,39,35-44,lowest,none,self_employed,213.55,6,limited,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,41,35-44,middle,secondary,farmer,150.43,3,none,1,567,1,commercial_bank,3768.31,none,agriculture,1,3410.59,0.155,12,328.21,current,not_applicable,low_burden
Ghana,2019,urban,female,25,18-24,fourth,secondary,farmer,384.96,6,excellent,0,370,1,family_friends,5818.49,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2021,rural,male,21,18-24,second,primary,employed_formal,97.02,8,none,1,159,1,informal_lender,1173.85,none,agriculture,1,1089.69,0.771,12,160.77,late_30_days,not_applicable,low_burden
Nigeria,2018,urban,male,29,25-34,middle,secondary,farmer,282.02,3,limited,1,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,25,18-24,middle,tertiary,self_employed,404.5,7,limited,1,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,male,59,55+,lowest,primary,unemployed,64.89,4,limited,0,522,1,informal_lender,4064.12,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2020,rural,male,65,55+,highest,none,employed_informal,1474.19,1,none,1,816,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,50,45-54,lowest,none,self_employed,136.56,1,limited,1,844,1,microfinance,5534.88,none,business,1,5113.99,0.342,12,571.85,late_30_days,not_applicable,low_burden
Nigeria,2019,rural,female,57,55+,lowest,secondary,farmer,52.7,10,excellent,1,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,57,55+,highest,secondary,self_employed,416.53,3,none,0,349,1,employer,3579.17,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2020,rural,female,63,55+,second,primary,employed_informal,259.24,1,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,23,18-24,second,primary,employed_formal,161.56,9,none,1,55,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,female,69,55+,second,secondary,employed_formal,50.83,7,none,0,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,41,35-44,lowest,primary,self_employed,123.11,10,none,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,female,46,45-54,second,none,self_employed,72.96,10,good,0,232,1,microfinance,7652.42,none,emergency,1,6975.91,0.364,18,528.71,paid_off,not_applicable,low_burden
Ghana,2020,rural,female,59,55+,second,primary,self_employed,222.8,1,excellent,1,560,1,commercial_bank,5723.89,property,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2025,rural,female,43,35-44,middle,secondary,farmer,34.41,2,excellent,1,559,1,sacco,2510.31,none,business,1,2271.01,0.335,6,505.38,current,not_applicable,low_burden
Tanzania,2019,rural,female,31,25-34,second,tertiary,employed_formal,93.71,10,none,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,female,18,18-24,highest,secondary,employed_informal,1495.62,4,limited,1,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,female,26,25-34,highest,primary,farmer,666.41,1,none,0,36,1,informal_lender,10155.9,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2022,urban,male,22,18-24,second,secondary,farmer,275.07,5,none,1,283,1,employer,2548.01,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2019,rural,female,37,35-44,highest,primary,farmer,353.18,7,limited,1,385,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,male,58,55+,highest,tertiary,farmer,1263.59,10,none,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,male,35,25-34,highest,primary,unemployed,993.21,1,none,1,840,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,49,45-54,fourth,tertiary,unemployed,583.27,4,good,1,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,27,25-34,lowest,tertiary,self_employed,374.58,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,female,48,45-54,lowest,tertiary,employed_informal,223.97,7,good,1,850,1,informal_lender,3529.6,none,asset_purchase,1,3474.61,0.777,36,171.47,paid_off,not_applicable,low_burden
Ghana,2019,rural,male,67,55+,highest,none,employed_formal,1155.99,10,none,0,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,male,34,25-34,middle,secondary,self_employed,524.03,9,good,0,281,1,family_friends,8871.07,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2021,urban,male,43,35-44,highest,secondary,self_employed,524.22,7,none,0,701,1,family_friends,3795.09,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2023,rural,male,68,55+,fourth,primary,employed_informal,237.09,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,49,45-54,lowest,primary,employed_informal,20.6,2,limited,1,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,38,35-44,second,secondary,unemployed,49.88,4,limited,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,male,24,18-24,highest,tertiary,employed_formal,532.59,10,none,0,486,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,urban,male,66,55+,lowest,secondary,farmer,88.05,10,good,0,251,1,family_friends,2437.75,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2019,urban,male,49,45-54,fourth,primary,unemployed,208.68,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,20,18-24,highest,secondary,farmer,963.81,5,good,1,570,1,digital_lender,11203.66,none,consumption,1,9743.54,0.44,6,2338.42,current,not_applicable,low_burden
Rwanda,2025,rural,female,46,45-54,lowest,primary,employed_formal,54.08,10,none,1,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,68,55+,second,primary,farmer,54.84,1,limited,1,782,1,microfinance,3009.38,property,business,1,2876.24,0.294,24,155.09,late_60_days,not_applicable,low_burden
Mali,2025,urban,male,66,55+,middle,secondary,farmer,868.03,7,good,1,717,1,sacco,7586.44,equipment,housing,1,6618.34,0.277,12,704.29,late_30_days,not_applicable,low_burden
Nigeria,2019,rural,female,28,25-34,fourth,secondary,employed_informal,130.47,3,limited,0,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,39,35-44,middle,secondary,self_employed,437.22,9,good,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,69,55+,lowest,secondary,employed_informal,18.55,7,limited,1,667,1,family_friends,1704.94,savings,business,1,1379.6,0.077,24,61.89,current,not_applicable,low_burden
Mozambique,2019,rural,female,58,55+,lowest,primary,farmer,54.53,4,none,1,225,1,commercial_bank,2244.97,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2020,urban,female,47,45-54,second,secondary,unemployed,78.26,1,limited,1,224,1,sacco,4795.07,none,housing,1,4198.57,0.28,12,448.0,current,not_applicable,low_burden
DRC,2021,rural,female,33,25-34,second,none,self_employed,76.72,7,limited,0,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,male,57,55+,lowest,tertiary,unemployed,319.07,2,none,0,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,48,45-54,fourth,tertiary,self_employed,258.64,7,none,1,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,male,45,35-44,lowest,tertiary,farmer,41.48,1,none,0,65,1,digital_lender,7849.69,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2019,rural,male,66,55+,fourth,tertiary,farmer,463.9,5,none,0,729,1,family_friends,6953.06,guarantor,housing,1,5772.27,0.065,24,256.13,late_60_days,not_applicable,low_burden
Zambia,2025,rural,male,37,35-44,highest,secondary,employed_formal,517.65,10,excellent,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,male,50,45-54,middle,primary,unemployed,222.25,6,excellent,0,510,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,20,18-24,middle,secondary,unemployed,157.31,1,limited,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,54,45-54,lowest,primary,self_employed,32.87,3,none,1,0,1,sacco,4415.5,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2025,rural,female,46,45-54,middle,secondary,farmer,115.23,8,none,0,516,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,63,55+,second,primary,employed_informal,316.47,3,none,0,666,1,digital_lender,3853.49,vehicle,education,1,3422.35,0.443,36,137.16,late_30_days,not_applicable,low_burden
Uganda,2024,rural,male,35,25-34,lowest,tertiary,employed_formal,51.39,10,none,1,102,1,digital_lender,1618.39,none,education,1,1321.26,0.407,36,51.65,late_30_days,not_applicable,low_burden
Rwanda,2022,urban,male,66,55+,middle,secondary,employed_informal,143.24,7,good,0,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,female,47,45-54,lowest,secondary,self_employed,100.64,10,limited,0,809,1,informal_lender,1978.88,none,business,1,1893.96,0.78,24,140.48,defaulted,not_applicable,low_burden
Mali,2020,rural,female,28,25-34,second,primary,employed_formal,128.25,5,limited,0,571,1,microfinance,2014.83,none,business,1,1849.96,0.278,12,196.95,paid_off,not_applicable,low_burden
Rwanda,2018,urban,female,26,25-34,middle,secondary,employed_informal,445.79,1,none,0,284,1,informal_lender,4814.17,vehicle,business,1,3887.79,0.813,12,587.36,current,not_applicable,low_burden
Uganda,2020,rural,male,28,25-34,second,tertiary,unemployed,86.58,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,33,25-34,lowest,primary,self_employed,85.12,3,none,0,241,1,commercial_bank,5057.12,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2024,urban,female,46,45-54,lowest,primary,farmer,120.72,4,none,1,470,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,male,63,55+,second,none,employed_informal,89.28,3,none,1,555,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,69,55+,middle,secondary,employed_formal,554.84,8,none,0,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,53,45-54,middle,secondary,farmer,202.32,9,limited,1,267,1,informal_lender,7648.56,none,business,1,7106.31,0.817,36,358.62,current,not_applicable,low_burden
Niger,2020,rural,male,43,35-44,lowest,secondary,employed_informal,27.87,7,limited,1,604,1,family_friends,1413.69,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2025,rural,male,49,45-54,middle,none,self_employed,92.06,1,limited,1,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,male,35,25-34,highest,none,unemployed,924.02,5,none,0,411,1,microfinance,6324.47,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Kenya,2020,rural,female,30,25-34,middle,tertiary,employed_informal,136.07,5,excellent,1,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,female,45,35-44,middle,secondary,self_employed,506.0,7,limited,1,244,1,commercial_bank,6031.72,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2025,urban,male,61,55+,middle,none,self_employed,244.1,4,good,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,male,21,18-24,highest,none,employed_formal,820.94,4,none,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,female,23,18-24,highest,none,farmer,366.6,5,excellent,0,386,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,27,25-34,lowest,secondary,self_employed,59.28,4,limited,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,28,25-34,lowest,secondary,employed_informal,151.29,1,limited,1,748,1,commercial_bank,4295.73,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2019,rural,male,25,18-24,lowest,secondary,self_employed,54.31,8,none,1,106,1,digital_lender,3539.65,guarantor,asset_purchase,1,3507.54,0.489,36,145.12,paid_off,not_applicable,low_burden
Nigeria,2025,urban,female,24,18-24,fourth,secondary,self_employed,334.03,9,none,1,340,1,commercial_bank,4027.15,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2021,urban,female,19,18-24,lowest,tertiary,self_employed,49.09,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,36,35-44,highest,primary,unemployed,977.68,1,none,0,314,1,informal_lender,6966.26,vehicle,business,1,5661.19,0.779,12,839.09,current,not_applicable,low_burden
Tanzania,2021,rural,female,55,45-54,lowest,primary,farmer,161.55,7,limited,0,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,26,25-34,middle,primary,self_employed,77.0,6,limited,0,594,1,digital_lender,6438.83,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2019,rural,female,34,25-34,second,tertiary,unemployed,117.14,2,good,1,619,1,digital_lender,2853.23,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2024,urban,male,68,55+,middle,secondary,farmer,89.89,8,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,26,25-34,second,secondary,employed_formal,91.01,7,good,0,116,1,informal_lender,2161.63,savings,agriculture,1,1883.52,0.768,12,277.45,defaulted,not_applicable,low_burden
Tanzania,2022,rural,male,69,55+,fourth,secondary,employed_formal,396.33,6,none,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,44,35-44,middle,none,employed_informal,66.16,5,good,0,462,1,informal_lender,2555.77,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2020,rural,male,55,45-54,second,primary,employed_formal,88.85,10,none,0,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,urban,male,34,25-34,fourth,secondary,self_employed,602.86,5,none,1,240,1,microfinance,6787.46,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2022,urban,female,34,25-34,highest,tertiary,employed_informal,1085.85,4,none,1,112,1,digital_lender,3250.27,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2022,rural,male,38,35-44,fourth,none,unemployed,418.04,1,good,1,722,1,microfinance,4288.07,guarantor,debt_consolidation,1,4197.82,0.317,6,921.74,current,not_applicable,low_burden
DRC,2020,rural,female,24,18-24,fourth,primary,self_employed,166.68,6,limited,1,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,male,34,25-34,middle,tertiary,employed_informal,365.55,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,female,64,55+,highest,secondary,unemployed,650.87,1,none,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,18,18-24,middle,secondary,self_employed,491.83,7,limited,0,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,47,45-54,highest,primary,employed_formal,131.74,8,none,1,455,1,microfinance,4545.79,none,agriculture,1,3667.03,0.351,12,412.98,current,not_applicable,low_burden
Mozambique,2022,urban,female,53,45-54,fourth,primary,employed_formal,401.65,9,none,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,urban,male,25,18-24,lowest,primary,farmer,96.31,3,limited,0,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,23,18-24,lowest,primary,self_employed,154.92,3,none,1,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,46,45-54,fourth,secondary,self_employed,350.4,9,none,1,0,1,commercial_bank,17362.66,equipment,business,1,17079.98,0.187,12,1688.9,late_60_days,not_applicable,low_burden
Mali,2022,urban,female,29,25-34,fourth,secondary,farmer,561.22,9,none,1,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,male,68,55+,middle,secondary,farmer,388.06,2,limited,1,311,1,commercial_bank,3955.14,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2024,urban,male,27,25-34,highest,none,farmer,2381.48,3,limited,1,749,1,microfinance,17745.64,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2025,urban,male,24,18-24,middle,primary,farmer,228.38,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,urban,male,35,25-34,second,secondary,farmer,67.77,8,limited,1,563,1,sacco,3024.34,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2020,urban,female,35,25-34,middle,none,employed_informal,97.72,1,none,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,26,25-34,lowest,none,self_employed,95.9,8,none,0,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,female,52,45-54,middle,primary,self_employed,233.82,1,none,0,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,36,35-44,highest,primary,self_employed,554.95,9,none,0,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,female,45,35-44,lowest,none,self_employed,59.62,1,limited,1,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,30,25-34,fourth,primary,self_employed,558.3,9,none,1,0,1,digital_lender,12597.98,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2018,rural,male,23,18-24,fourth,tertiary,self_employed,381.89,10,excellent,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,21,18-24,lowest,none,self_employed,84.28,8,excellent,0,315,1,employer,2042.02,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2023,rural,female,20,18-24,fourth,secondary,self_employed,151.75,10,none,0,237,1,sacco,7244.86,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2025,urban,female,63,55+,fourth,secondary,unemployed,143.07,1,limited,0,474,1,informal_lender,8467.23,guarantor,business,1,8448.18,0.844,24,649.24,late_60_days,not_applicable,low_burden
Nigeria,2018,urban,male,31,25-34,middle,secondary,self_employed,157.41,7,limited,1,82,1,digital_lender,9022.23,guarantor,education,1,7921.47,0.409,12,930.03,current,not_applicable,low_burden
South Africa,2019,rural,male,33,25-34,lowest,secondary,farmer,23.4,7,none,0,661,1,digital_lender,4225.13,none,asset_purchase,1,3773.04,0.472,12,462.8,current,not_applicable,low_burden
Ethiopia,2021,rural,female,48,45-54,second,none,self_employed,45.43,1,none,1,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,male,22,18-24,middle,none,self_employed,895.28,9,excellent,0,671,1,informal_lender,8505.16,guarantor,asset_purchase,1,8485.04,0.816,6,2568.58,late_60_days,not_applicable,low_burden
Ethiopia,2025,rural,female,49,45-54,lowest,secondary,farmer,12.32,8,none,0,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,male,45,35-44,second,tertiary,unemployed,168.53,1,limited,1,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,female,59,55+,highest,primary,farmer,1252.9,3,limited,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,male,24,18-24,fourth,primary,unemployed,981.95,3,none,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,18,18-24,fourth,tertiary,self_employed,400.37,10,limited,1,540,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,58,55+,highest,secondary,unemployed,1672.8,1,good,0,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,female,37,35-44,lowest,secondary,unemployed,313.15,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,21,18-24,lowest,secondary,farmer,48.75,6,none,1,121,1,microfinance,3389.37,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2019,rural,female,46,45-54,middle,tertiary,farmer,273.57,8,none,1,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,female,42,35-44,second,secondary,farmer,296.3,2,good,1,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,urban,female,67,55+,lowest,secondary,self_employed,49.15,2,limited,1,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,67,55+,fourth,secondary,self_employed,277.79,7,limited,0,705,1,digital_lender,3696.17,none,housing,1,3001.21,0.424,6,712.46,late_30_days,not_applicable,low_burden
Uganda,2025,rural,female,46,45-54,lowest,primary,self_employed,38.87,3,good,0,462,1,microfinance,575.42,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2023,urban,female,26,25-34,middle,tertiary,farmer,411.99,4,excellent,1,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,female,56,55+,middle,tertiary,employed_informal,79.02,7,none,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,male,28,25-34,middle,secondary,farmer,815.63,3,good,1,574,1,commercial_bank,8520.29,none,housing,1,7358.36,0.151,24,352.83,current,not_applicable,low_burden
Rwanda,2019,urban,female,61,55+,second,primary,self_employed,262.95,4,none,0,55,1,sacco,4223.08,guarantor,business,1,3432.07,0.308,12,374.15,current,not_applicable,low_burden
Ethiopia,2024,rural,male,49,45-54,lowest,secondary,self_employed,91.04,4,none,1,513,1,family_friends,5438.87,guarantor,housing,1,5162.94,0.032,48,111.03,late_30_days,not_applicable,low_burden
Rwanda,2025,rural,male,36,35-44,highest,primary,employed_informal,126.98,4,none,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,68,55+,highest,secondary,employed_informal,478.29,8,none,1,514,1,commercial_bank,9904.23,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2022,rural,female,44,35-44,middle,none,self_employed,567.73,2,good,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,male,38,35-44,lowest,secondary,self_employed,79.37,10,limited,0,298,1,microfinance,1528.39,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2025,rural,male,27,25-34,middle,tertiary,employed_formal,59.83,10,limited,0,560,1,informal_lender,10523.03,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2024,rural,female,51,45-54,second,none,employed_informal,141.66,1,none,1,425,1,family_friends,4590.22,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2025,rural,male,32,25-34,lowest,secondary,self_employed,96.9,6,none,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,25,18-24,lowest,tertiary,employed_informal,87.39,2,excellent,1,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,female,24,18-24,lowest,none,employed_informal,54.22,2,good,1,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,female,51,45-54,second,primary,farmer,400.7,8,limited,0,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,urban,female,65,55+,second,primary,farmer,110.71,3,none,1,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,female,31,25-34,fourth,secondary,unemployed,481.25,2,none,0,357,1,microfinance,2739.39,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2024,urban,male,29,25-34,middle,primary,employed_formal,327.94,6,excellent,1,592,1,digital_lender,2556.73,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2025,urban,male,49,45-54,second,none,employed_informal,164.87,4,none,0,0,1,microfinance,1045.69,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2022,urban,female,25,18-24,lowest,primary,employed_formal,68.93,10,none,0,0,1,microfinance,4323.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2021,rural,female,22,18-24,highest,primary,self_employed,522.07,7,limited,0,799,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,51,45-54,lowest,none,employed_formal,61.61,4,excellent,0,643,1,family_friends,1907.0,guarantor,housing,1,1773.97,0.033,6,305.57,late_30_days,not_applicable,low_burden
Kenya,2023,rural,male,45,35-44,lowest,secondary,employed_informal,49.08,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,male,19,18-24,middle,none,self_employed,334.11,6,good,0,806,1,family_friends,3090.72,vehicle,education,1,3006.31,0.072,24,134.31,late_60_days,not_applicable,low_burden
Ghana,2022,urban,male,30,25-34,fourth,secondary,self_employed,338.03,3,none,0,216,1,informal_lender,3493.5,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2023,urban,male,28,25-34,fourth,secondary,self_employed,1474.57,2,limited,0,563,1,microfinance,7730.75,savings,emergency,1,6478.76,0.279,6,1381.09,paid_off,not_applicable,low_burden
Niger,2024,rural,male,53,45-54,second,tertiary,self_employed,80.79,5,none,0,286,1,informal_lender,4111.99,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2019,rural,female,52,45-54,second,none,farmer,230.99,7,good,1,243,1,commercial_bank,1646.83,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2021,urban,male,56,55+,second,secondary,self_employed,355.16,1,limited,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,female,23,18-24,middle,secondary,employed_informal,224.62,3,excellent,0,459,1,digital_lender,2299.1,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2024,rural,female,62,55+,second,secondary,self_employed,128.0,10,limited,0,131,1,family_friends,4617.28,none,agriculture,1,4197.2,0.075,18,250.63,late_30_days,not_applicable,low_burden
Zambia,2024,urban,female,28,25-34,second,none,employed_formal,108.64,5,good,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,69,55+,lowest,none,employed_formal,62.58,10,limited,0,698,1,informal_lender,1842.82,none,agriculture,1,1737.05,0.8,24,130.27,late_30_days,not_applicable,low_burden
Malawi,2024,urban,male,63,55+,highest,secondary,self_employed,1155.36,3,limited,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,41,35-44,lowest,primary,employed_informal,58.37,6,none,0,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,female,58,55+,second,tertiary,employed_formal,277.68,10,good,0,744,1,family_friends,6741.29,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2019,rural,male,52,45-54,highest,secondary,farmer,483.04,10,none,1,213,1,commercial_bank,4398.41,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2022,rural,male,58,55+,fourth,secondary,farmer,250.25,7,limited,1,128,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,18,18-24,middle,tertiary,employed_informal,62.37,3,limited,0,83,1,family_friends,6761.91,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2018,urban,female,22,18-24,middle,secondary,self_employed,468.15,1,good,0,166,1,employer,6635.43,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2024,rural,male,65,55+,lowest,none,unemployed,88.73,4,limited,1,787,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,58,55+,fourth,none,employed_informal,653.46,6,limited,0,766,1,family_friends,13959.14,none,debt_consolidation,1,11954.19,0.017,12,1013.51,current,not_applicable,low_burden
South Africa,2025,rural,male,50,45-54,second,secondary,farmer,250.07,8,limited,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,34,25-34,highest,primary,employed_informal,1720.86,10,limited,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,male,39,35-44,lowest,tertiary,unemployed,107.78,5,none,1,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,38,35-44,middle,none,employed_formal,306.55,9,good,0,546,1,microfinance,6746.06,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2022,urban,female,40,35-44,middle,primary,employed_informal,509.37,7,good,1,233,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,male,50,45-54,lowest,secondary,unemployed,24.75,3,limited,1,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,57,55+,second,secondary,farmer,83.8,2,none,0,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,37,35-44,fourth,tertiary,employed_informal,136.19,4,none,0,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,female,61,55+,lowest,none,farmer,146.56,1,good,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,male,22,18-24,highest,primary,unemployed,572.63,1,good,0,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,male,60,55+,second,secondary,self_employed,78.44,2,none,0,41,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,53,45-54,middle,tertiary,employed_informal,299.76,9,excellent,0,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,male,44,35-44,middle,primary,employed_informal,83.74,9,none,0,540,1,microfinance,4177.3,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2021,urban,male,37,35-44,middle,secondary,unemployed,389.44,4,good,1,835,1,microfinance,3463.59,property,debt_consolidation,1,3387.16,0.337,18,251.58,late_30_days,not_applicable,low_burden
Ghana,2023,rural,male,37,35-44,middle,none,employed_informal,45.02,5,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,36,35-44,fourth,secondary,employed_informal,144.61,1,limited,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,female,67,55+,middle,none,employed_informal,342.92,6,excellent,1,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,female,19,18-24,middle,tertiary,employed_formal,83.86,4,limited,1,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,50,45-54,middle,none,self_employed,496.56,1,none,1,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,69,55+,second,secondary,self_employed,125.3,2,good,1,334,1,microfinance,6977.89,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2019,rural,female,46,45-54,lowest,secondary,employed_formal,133.06,8,none,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,51,45-54,lowest,primary,employed_informal,77.39,8,none,1,0,1,informal_lender,3257.59,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2019,rural,female,49,45-54,middle,primary,employed_formal,198.34,8,none,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,male,44,35-44,highest,secondary,employed_formal,493.11,10,limited,0,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,female,50,45-54,lowest,secondary,employed_informal,115.44,6,limited,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,female,64,55+,middle,secondary,farmer,406.34,9,good,0,751,1,digital_lender,3121.88,none,consumption,1,2621.06,0.437,24,156.98,paid_off,not_applicable,low_burden
South Africa,2022,urban,female,55,45-54,second,secondary,employed_formal,778.66,7,good,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,male,62,55+,middle,none,employed_informal,532.83,4,good,0,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,female,46,45-54,fourth,tertiary,self_employed,372.46,1,limited,0,538,1,informal_lender,1506.79,none,business,1,1241.06,0.763,12,182.36,current,not_applicable,low_burden
Uganda,2018,rural,male,58,55+,fourth,none,farmer,403.8,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,male,63,55+,fourth,secondary,farmer,443.11,1,none,1,241,1,commercial_bank,6229.18,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ethiopia,2019,rural,male,29,25-34,fourth,tertiary,unemployed,744.26,1,limited,1,775,1,family_friends,17410.42,guarantor,emergency,1,14906.75,0.059,18,876.83,current,not_applicable,low_burden
Mali,2020,urban,male,62,55+,lowest,tertiary,employed_informal,226.7,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,53,45-54,middle,none,employed_formal,178.56,9,none,1,527,1,commercial_bank,2313.53,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2025,rural,male,40,35-44,second,primary,employed_formal,51.8,10,none,1,725,1,family_friends,1389.57,none,agriculture,1,1333.34,0.032,18,76.44,current,not_applicable,low_burden
Uganda,2024,urban,male,58,55+,highest,secondary,employed_formal,270.6,7,none,0,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,26,25-34,fourth,primary,unemployed,148.51,3,excellent,0,247,1,family_friends,3064.96,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2022,rural,female,54,45-54,lowest,secondary,self_employed,39.81,6,limited,0,9,1,microfinance,4268.01,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2019,urban,male,47,45-54,lowest,secondary,farmer,257.59,10,good,0,431,1,family_friends,1532.45,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2024,rural,female,64,55+,second,primary,unemployed,351.42,4,limited,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,50,45-54,highest,primary,farmer,1300.4,6,limited,0,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,urban,male,45,35-44,lowest,secondary,self_employed,212.64,8,none,1,689,1,commercial_bank,2893.48,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2022,rural,female,45,35-44,middle,secondary,unemployed,121.89,3,excellent,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,female,46,45-54,second,primary,self_employed,42.0,10,none,0,127,1,sacco,1231.03,property,emergency,1,1160.65,0.298,24,62.79,late_60_days,not_applicable,low_burden
Mozambique,2021,rural,male,64,55+,middle,none,employed_formal,98.86,9,limited,0,3,1,informal_lender,4417.78,vehicle,education,1,4321.62,0.798,12,647.44,late_60_days,not_applicable,low_burden
DRC,2019,rural,female,58,55+,middle,primary,self_employed,48.13,9,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,male,22,18-24,lowest,secondary,unemployed,27.62,1,good,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,45,35-44,fourth,secondary,farmer,231.4,2,good,0,657,1,family_friends,4057.68,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2021,rural,male,32,25-34,lowest,tertiary,self_employed,67.69,4,none,1,518,1,microfinance,2205.1,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2020,rural,male,26,25-34,fourth,tertiary,farmer,362.54,9,limited,1,680,1,commercial_bank,4745.33,none,education,1,4381.64,0.182,18,287.72,current,not_applicable,low_burden
Senegal,2020,rural,female,63,55+,lowest,secondary,self_employed,37.17,9,none,0,622,1,informal_lender,3436.99,savings,business,1,3380.73,0.82,36,170.94,late_60_days,not_applicable,low_burden
Uganda,2021,urban,female,62,55+,middle,tertiary,farmer,444.34,5,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,66,55+,second,primary,employed_informal,75.87,5,none,1,56,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,male,38,35-44,middle,secondary,employed_informal,201.41,5,good,0,332,1,informal_lender,8198.36,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2020,rural,male,40,35-44,second,secondary,employed_informal,55.78,3,excellent,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,58,55+,middle,secondary,unemployed,428.54,2,limited,0,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,28,25-34,lowest,secondary,unemployed,61.12,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,urban,male,20,18-24,second,primary,employed_informal,291.05,8,limited,1,360,1,commercial_bank,8956.69,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2019,urban,female,39,35-44,fourth,tertiary,employed_informal,209.97,1,none,0,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,male,50,45-54,second,tertiary,employed_formal,204.47,7,limited,0,480,1,microfinance,5943.0,equipment,housing,1,5400.05,0.319,24,296.83,late_30_days,not_applicable,low_burden
Tanzania,2025,urban,male,41,35-44,middle,tertiary,farmer,445.39,7,none,1,287,1,commercial_bank,13166.47,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2021,rural,female,28,25-34,middle,primary,self_employed,47.83,6,limited,1,138,1,microfinance,1354.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Nigeria,2020,urban,male,45,35-44,second,tertiary,self_employed,409.93,8,good,0,697,1,informal_lender,7006.44,property,consumption,1,6892.02,0.803,6,2071.46,paid_off,not_applicable,low_burden
Tanzania,2021,urban,female,67,55+,highest,secondary,employed_formal,413.11,10,none,1,639,1,digital_lender,22793.17,none,consumption,1,22201.38,0.457,12,2695.7,defaulted,not_applicable,low_burden
Ghana,2018,urban,female,32,25-34,second,secondary,employed_formal,209.76,7,none,0,33,1,sacco,1412.12,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2020,rural,male,38,35-44,highest,primary,unemployed,2320.9,1,none,1,273,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,34,25-34,highest,secondary,self_employed,1295.63,2,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,33,25-34,second,secondary,employed_informal,63.77,8,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,female,52,45-54,second,secondary,employed_informal,159.76,5,limited,1,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,37,35-44,fourth,tertiary,employed_informal,1166.45,4,none,0,716,1,family_friends,6118.66,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,urban,male,50,45-54,fourth,primary,employed_formal,277.71,10,good,1,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,male,19,18-24,lowest,secondary,employed_formal,69.85,10,good,0,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,female,52,45-54,lowest,primary,farmer,68.5,9,none,1,373,1,microfinance,1465.01,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2019,urban,male,23,18-24,lowest,primary,employed_informal,133.93,2,good,0,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,37,35-44,fourth,primary,self_employed,112.44,9,none,0,581,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,63,55+,fourth,primary,self_employed,511.11,6,none,1,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,35,25-34,lowest,primary,employed_informal,38.95,2,none,1,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,54,45-54,middle,none,self_employed,296.01,4,none,0,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,female,36,35-44,fourth,none,farmer,420.27,3,excellent,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,64,55+,highest,secondary,employed_informal,1010.45,3,good,1,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,male,67,55+,lowest,primary,farmer,88.55,7,good,0,381,1,commercial_bank,3589.5,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2020,rural,male,65,55+,second,none,employed_informal,332.49,5,none,0,112,1,family_friends,12102.38,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2025,rural,female,38,35-44,second,none,employed_informal,242.48,8,limited,0,763,1,family_friends,6217.52,property,consumption,1,5562.74,0.093,12,506.55,late_60_days,not_applicable,low_burden
Kenya,2021,rural,male,34,25-34,middle,primary,employed_formal,114.62,10,limited,1,415,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,female,49,45-54,lowest,none,farmer,233.7,1,none,0,494,1,informal_lender,3895.34,none,emergency,1,3121.31,0.76,12,457.83,current,not_applicable,low_burden
Malawi,2023,rural,female,60,55+,lowest,tertiary,self_employed,75.33,9,good,0,256,1,commercial_bank,3928.65,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2024,urban,male,45,35-44,fourth,secondary,farmer,554.04,2,good,0,468,1,commercial_bank,5262.66,equipment,education,1,5247.68,0.196,12,523.17,paid_off,not_applicable,low_burden
Tanzania,2021,urban,male,56,55+,middle,primary,employed_informal,540.27,1,good,1,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,urban,female,63,55+,lowest,secondary,self_employed,43.36,1,excellent,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,57,55+,second,none,employed_formal,46.19,4,none,0,234,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,female,37,35-44,lowest,secondary,employed_informal,61.3,4,good,0,588,1,informal_lender,2933.63,none,emergency,1,2638.56,0.754,12,385.61,defaulted,not_applicable,low_burden
South Africa,2021,urban,female,30,25-34,second,tertiary,self_employed,118.38,9,excellent,0,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,male,40,35-44,second,none,employed_formal,772.72,10,limited,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,47,45-54,lowest,none,self_employed,35.28,5,none,1,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,61,55+,lowest,secondary,self_employed,61.96,10,none,1,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,male,33,25-34,highest,none,farmer,1133.08,5,none,1,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,female,26,25-34,highest,none,farmer,2345.4,1,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,34,25-34,lowest,secondary,employed_informal,30.03,1,good,0,792,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,48,45-54,middle,secondary,employed_formal,64.71,9,excellent,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,30,25-34,lowest,primary,self_employed,159.88,3,good,1,173,1,informal_lender,5530.52,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2018,urban,female,38,35-44,fourth,secondary,employed_informal,520.44,4,none,0,334,1,informal_lender,17482.25,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2021,urban,male,31,25-34,highest,none,employed_informal,1746.09,4,limited,1,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,69,55+,middle,primary,employed_informal,364.31,4,limited,0,262,1,commercial_bank,6936.6,guarantor,agriculture,1,6577.21,0.156,36,211.19,defaulted,not_applicable,low_burden
Mali,2020,urban,male,44,35-44,middle,secondary,self_employed,613.59,10,limited,0,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,male,55,45-54,second,secondary,self_employed,93.11,1,none,0,74,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,45,35-44,lowest,secondary,employed_formal,57.06,5,excellent,0,461,1,informal_lender,2892.28,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2019,rural,female,18,18-24,middle,secondary,employed_informal,49.45,3,good,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,31,25-34,lowest,secondary,employed_informal,30.02,8,good,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,61,55+,fourth,tertiary,employed_informal,344.41,3,none,1,583,1,commercial_bank,17566.31,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2023,rural,female,44,35-44,middle,secondary,farmer,122.41,3,none,0,642,1,microfinance,1061.27,guarantor,education,1,945.01,0.349,24,53.12,late_60_days,not_applicable,low_burden
DRC,2025,rural,female,54,45-54,lowest,primary,employed_informal,27.1,8,limited,1,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,urban,male,57,55+,middle,secondary,employed_informal,309.08,7,limited,0,655,1,family_friends,4694.45,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2025,urban,female,47,45-54,fourth,primary,farmer,1259.38,7,good,1,314,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,female,48,45-54,middle,secondary,self_employed,286.89,7,none,0,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,male,30,25-34,middle,primary,employed_informal,90.5,7,none,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,male,30,25-34,fourth,primary,farmer,803.53,6,good,0,850,1,informal_lender,4656.14,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2020,urban,male,25,18-24,lowest,secondary,farmer,52.27,6,limited,1,341,1,digital_lender,2125.4,property,business,1,1854.24,0.436,6,443.82,paid_off,not_applicable,low_burden
Mozambique,2022,urban,female,33,25-34,middle,secondary,unemployed,840.4,4,limited,0,272,1,microfinance,10625.58,none,emergency,1,9261.74,0.273,12,982.26,late_30_days,not_applicable,low_burden
Uganda,2023,urban,female,50,45-54,second,none,unemployed,150.52,1,good,0,784,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,66,55+,lowest,primary,farmer,96.59,4,limited,1,303,1,commercial_bank,5626.98,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2019,rural,female,40,35-44,highest,secondary,employed_informal,1980.18,3,limited,1,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,male,49,45-54,second,tertiary,self_employed,70.26,9,none,1,0,1,microfinance,2016.12,guarantor,business,1,1756.16,0.321,18,128.92,current,not_applicable,low_burden
Tanzania,2020,rural,male,62,55+,second,primary,employed_formal,58.16,4,limited,1,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,53,45-54,lowest,none,self_employed,47.93,3,limited,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,urban,female,31,25-34,highest,primary,unemployed,898.15,1,limited,1,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,32,25-34,highest,primary,employed_formal,6296.61,7,limited,1,850,1,microfinance,24717.26,none,agriculture,1,22638.22,0.314,12,2478.46,current,not_applicable,low_burden
Niger,2019,rural,male,51,45-54,lowest,none,unemployed,32.35,1,none,0,0,1,informal_lender,1186.62,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2018,rural,male,32,25-34,middle,tertiary,self_employed,80.27,6,none,0,6,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,30,25-34,lowest,secondary,employed_informal,31.29,10,limited,0,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,male,48,45-54,fourth,primary,farmer,578.72,5,limited,1,266,1,digital_lender,2955.23,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2023,rural,male,51,45-54,middle,primary,self_employed,282.24,10,none,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,31,25-34,lowest,none,self_employed,36.72,4,good,0,818,1,family_friends,2228.79,savings,education,1,2143.1,0.093,6,390.29,current,not_applicable,low_burden
Senegal,2023,rural,female,20,18-24,middle,secondary,self_employed,202.97,8,none,1,0,1,digital_lender,3680.0,vehicle,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2021,rural,male,57,55+,highest,primary,employed_informal,2591.41,2,limited,0,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,38,35-44,second,primary,employed_formal,124.33,10,limited,0,700,1,microfinance,8444.81,none,agriculture,1,7716.94,0.364,36,292.43,current,not_applicable,low_burden
Ethiopia,2023,urban,male,50,45-54,lowest,secondary,farmer,112.51,8,limited,0,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,26,25-34,highest,primary,unemployed,2491.42,3,none,0,839,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,34,25-34,lowest,secondary,farmer,55.13,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,rural,male,49,45-54,middle,tertiary,farmer,117.21,7,none,1,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,24,18-24,middle,primary,farmer,143.96,6,none,0,254,1,informal_lender,13124.86,guarantor,business,1,11880.61,0.778,24,880.1,current,not_applicable,low_burden
Rwanda,2018,rural,male,34,25-34,lowest,primary,employed_formal,41.63,10,none,0,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,55,45-54,lowest,tertiary,farmer,16.84,4,limited,0,510,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,female,58,55+,lowest,primary,farmer,66.35,3,limited,0,678,1,informal_lender,1869.5,guarantor,agriculture,1,1610.25,0.832,36,81.95,late_30_days,not_applicable,low_burden
Mozambique,2018,rural,male,36,35-44,lowest,primary,employed_informal,70.12,10,none,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,23,18-24,middle,secondary,self_employed,175.6,10,limited,1,231,1,microfinance,1335.75,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2022,rural,female,19,18-24,fourth,secondary,farmer,392.11,10,none,0,126,1,digital_lender,2401.72,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2019,urban,male,46,45-54,lowest,tertiary,unemployed,107.66,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,male,54,45-54,fourth,primary,unemployed,195.78,1,limited,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,48,45-54,second,primary,self_employed,148.47,3,limited,1,311,1,family_friends,2244.01,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2018,rural,male,39,35-44,lowest,none,farmer,89.06,4,none,1,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,female,19,18-24,middle,primary,self_employed,65.39,6,limited,0,587,1,microfinance,3032.68,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2021,rural,male,29,25-34,second,secondary,farmer,337.82,3,none,0,0,1,employer,4394.35,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2023,urban,female,19,18-24,middle,primary,self_employed,125.62,8,excellent,1,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,female,42,35-44,second,primary,unemployed,81.58,1,none,0,387,1,family_friends,1373.33,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2023,rural,male,34,25-34,middle,primary,unemployed,230.37,6,limited,0,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,21,18-24,highest,none,employed_informal,1440.3,5,good,0,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,male,49,45-54,lowest,primary,unemployed,103.82,1,limited,1,251,1,sacco,9388.12,property,business,1,8379.5,0.321,24,461.39,defaulted,not_applicable,low_burden
Malawi,2020,rural,male,37,35-44,highest,secondary,farmer,983.4,5,limited,0,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,male,68,55+,lowest,primary,employed_informal,41.87,5,good,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,39,35-44,lowest,secondary,employed_formal,96.96,9,none,1,444,1,commercial_bank,4657.12,property,agriculture,1,3893.16,0.184,18,256.09,paid_off,not_applicable,low_burden
Ghana,2022,rural,male,22,18-24,lowest,none,farmer,48.26,4,none,0,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,female,54,45-54,fourth,none,employed_informal,555.74,4,good,1,392,1,sacco,18013.17,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2019,urban,female,54,45-54,fourth,tertiary,employed_informal,516.07,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,female,66,55+,highest,tertiary,self_employed,695.67,2,good,1,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,urban,male,54,45-54,fourth,primary,employed_formal,385.78,6,none,1,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,36,35-44,second,primary,self_employed,33.17,5,none,1,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,female,52,45-54,highest,tertiary,farmer,1187.27,1,none,0,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,male,59,55+,highest,secondary,employed_formal,1220.0,8,good,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,44,35-44,fourth,none,self_employed,65.6,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,59,55+,middle,none,employed_informal,348.46,1,none,1,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,female,68,55+,fourth,none,farmer,317.73,5,none,0,431,1,microfinance,1702.22,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2025,rural,male,57,55+,lowest,secondary,self_employed,31.27,7,none,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,44,35-44,highest,secondary,farmer,323.93,8,none,0,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,43,35-44,highest,primary,farmer,611.9,4,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,61,55+,middle,none,unemployed,155.44,2,limited,0,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,63,55+,lowest,none,self_employed,34.48,1,none,1,652,1,family_friends,4472.78,equipment,business,1,4244.38,0.011,24,178.87,paid_off,not_applicable,low_burden
Zambia,2023,rural,female,31,25-34,lowest,secondary,self_employed,198.1,4,none,1,732,1,commercial_bank,3799.82,none,business,1,3635.05,0.214,18,245.09,current,not_applicable,low_burden
Uganda,2024,rural,female,18,18-24,highest,tertiary,employed_formal,861.01,10,none,0,716,1,digital_lender,5902.98,equipment,business,1,5003.95,0.461,12,609.06,late_60_days,not_applicable,low_burden
Rwanda,2024,urban,female,59,55+,highest,secondary,self_employed,4119.65,5,none,0,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,female,30,25-34,fourth,secondary,self_employed,576.13,10,none,1,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,69,55+,highest,primary,self_employed,996.06,8,good,0,850,1,informal_lender,8031.52,none,debt_consolidation,1,7336.0,0.846,6,2256.46,paid_off,not_applicable,low_burden
Mozambique,2021,urban,male,19,18-24,middle,secondary,employed_informal,161.07,10,none,0,672,1,commercial_bank,2515.22,none,business,1,2155.44,0.208,18,144.69,late_60_days,not_applicable,low_burden
Zambia,2023,rural,female,65,55+,highest,primary,self_employed,590.34,5,none,0,545,1,informal_lender,5894.45,savings,emergency,1,5867.81,0.797,12,878.54,current,not_applicable,low_burden
South Africa,2018,rural,female,53,45-54,lowest,none,self_employed,56.89,1,limited,0,815,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,33,25-34,lowest,primary,self_employed,138.71,6,none,0,406,1,family_friends,6363.21,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2022,urban,female,19,18-24,middle,secondary,farmer,288.21,10,good,0,458,1,sacco,1485.73,guarantor,consumption,1,1277.38,0.356,24,72.16,paid_off,not_applicable,low_burden
Rwanda,2018,urban,male,62,55+,second,none,self_employed,231.42,2,limited,0,145,1,microfinance,10855.41,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
South Africa,2022,urban,male,24,18-24,second,primary,self_employed,225.7,10,none,0,296,1,informal_lender,5538.54,savings,agriculture,1,5387.94,0.782,18,533.35,current,not_applicable,low_burden
Mali,2023,rural,female,22,18-24,fourth,tertiary,self_employed,266.75,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,59,55+,lowest,secondary,farmer,45.35,7,none,0,1,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,urban,female,53,45-54,fourth,primary,farmer,307.98,10,none,0,633,1,informal_lender,4636.82,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2020,rural,female,24,18-24,lowest,none,employed_informal,128.5,3,limited,1,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,35,25-34,fourth,secondary,employed_informal,398.06,3,limited,0,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,urban,male,52,45-54,lowest,none,farmer,113.13,9,none,0,92,1,informal_lender,5830.83,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2020,rural,female,52,45-54,fourth,primary,farmer,295.52,4,none,1,0,1,commercial_bank,6061.66,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2024,rural,male,36,35-44,middle,none,employed_formal,420.8,10,good,0,710,1,informal_lender,4206.86,guarantor,asset_purchase,1,3954.72,0.836,48,151.29,late_30_days,not_applicable,low_burden
Mozambique,2025,rural,female,39,35-44,second,primary,self_employed,30.16,2,limited,0,305,1,digital_lender,1244.64,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2023,urban,male,22,18-24,second,secondary,employed_informal,223.72,7,limited,0,158,1,sacco,10724.44,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2022,rural,female,18,18-24,lowest,secondary,farmer,25.03,6,limited,1,135,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,68,55+,second,primary,employed_informal,159.46,6,limited,1,429,1,microfinance,1569.35,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2021,rural,male,30,25-34,lowest,tertiary,farmer,54.37,8,limited,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,66,55+,lowest,secondary,farmer,21.4,5,none,1,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,20,18-24,fourth,secondary,farmer,417.66,7,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,female,69,55+,lowest,none,unemployed,105.13,1,limited,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,40,35-44,lowest,primary,self_employed,51.24,9,limited,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,59,55+,second,secondary,farmer,112.74,6,limited,0,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,61,55+,second,secondary,farmer,202.63,3,limited,0,374,1,digital_lender,3725.6,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2020,rural,male,36,35-44,middle,primary,farmer,456.26,9,limited,0,491,1,informal_lender,2486.08,guarantor,business,1,2468.98,0.762,12,362.44,current,not_applicable,low_burden
Ghana,2020,rural,female,56,55+,middle,primary,self_employed,160.5,4,none,1,134,1,commercial_bank,5120.87,none,consumption,1,4833.56,0.164,12,468.72,defaulted,not_applicable,low_burden
Nigeria,2018,rural,male,35,25-34,middle,primary,employed_formal,406.44,10,good,1,632,1,digital_lender,5220.45,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Uganda,2021,urban,female,59,55+,middle,primary,unemployed,290.64,6,good,1,571,1,commercial_bank,2287.26,savings,agriculture,1,2108.48,0.217,12,213.8,paid_off,not_applicable,low_burden
Senegal,2023,rural,male,67,55+,second,primary,employed_formal,300.47,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,female,59,55+,second,none,unemployed,153.5,1,good,0,850,1,sacco,2228.97,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Rwanda,2025,rural,male,55,45-54,fourth,primary,employed_informal,206.83,3,good,1,775,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,37,35-44,second,tertiary,self_employed,56.26,9,none,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,male,23,18-24,fourth,secondary,unemployed,480.41,1,limited,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,44,35-44,middle,none,farmer,114.79,7,limited,1,738,1,informal_lender,3435.65,none,business,1,3064.91,0.752,12,447.58,defaulted,not_applicable,low_burden
Senegal,2021,rural,female,24,18-24,middle,none,self_employed,534.57,9,limited,0,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,44,35-44,middle,primary,employed_informal,108.69,2,good,1,727,1,employer,3884.33,equipment,business,1,3473.47,0.087,12,314.6,current,not_applicable,low_burden
Niger,2020,rural,male,63,55+,highest,primary,employed_informal,409.65,2,none,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,23,18-24,second,secondary,employed_formal,182.19,10,none,0,328,1,employer,1257.05,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2024,rural,female,64,55+,second,primary,self_employed,278.21,10,none,1,588,1,sacco,3115.47,vehicle,business,1,2493.15,0.274,6,529.38,current,not_applicable,low_burden
Senegal,2023,rural,female,49,45-54,highest,tertiary,self_employed,1107.71,4,none,1,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,female,20,18-24,middle,none,employed_informal,626.03,3,none,0,624,1,sacco,7239.28,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2023,rural,female,55,45-54,second,tertiary,self_employed,114.68,7,none,0,596,1,family_friends,6910.81,equipment,education,1,6906.55,0.066,24,306.73,paid_off,not_applicable,low_burden
Uganda,2018,rural,male,18,18-24,second,secondary,unemployed,115.82,2,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,49,45-54,lowest,secondary,farmer,246.3,3,limited,0,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,44,35-44,fourth,tertiary,self_employed,1606.01,3,limited,1,225,1,digital_lender,15851.44,property,asset_purchase,1,14480.69,0.464,6,3532.83,paid_off,not_applicable,low_burden
Nigeria,2025,urban,female,56,55+,second,primary,unemployed,298.35,2,limited,1,657,1,employer,3722.96,none,consumption,1,3415.42,0.006,36,95.42,paid_off,not_applicable,low_burden
Malawi,2025,urban,male,37,35-44,lowest,none,self_employed,194.99,3,none,0,1,1,informal_lender,7519.74,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2022,rural,female,24,18-24,lowest,primary,employed_informal,109.87,6,excellent,1,774,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,male,38,35-44,highest,secondary,self_employed,425.87,7,none,0,577,1,informal_lender,4666.48,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2023,urban,male,57,55+,middle,tertiary,unemployed,290.2,1,limited,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,male,67,55+,middle,primary,employed_informal,850.7,6,good,0,773,1,commercial_bank,1141.46,savings,debt_consolidation,1,954.37,0.214,12,96.54,late_60_days,not_applicable,low_burden
Rwanda,2023,rural,female,28,25-34,highest,secondary,employed_informal,1099.44,10,good,0,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,36,35-44,second,primary,unemployed,173.09,2,limited,1,461,1,commercial_bank,9348.39,none,business,1,8286.41,0.139,12,786.24,current,not_applicable,low_burden
Malawi,2019,rural,female,63,55+,fourth,primary,farmer,948.09,2,none,0,628,1,family_friends,10212.85,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2018,urban,female,34,25-34,fourth,secondary,farmer,637.04,8,good,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,female,30,25-34,middle,primary,farmer,339.41,5,limited,0,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,urban,male,61,55+,fourth,none,farmer,639.37,8,good,0,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,female,43,35-44,highest,secondary,employed_formal,969.84,4,none,1,151,1,employer,8766.61,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2022,rural,male,48,45-54,lowest,secondary,farmer,92.5,8,good,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,female,43,35-44,lowest,secondary,employed_informal,149.62,7,good,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,49,45-54,fourth,primary,employed_informal,897.21,1,limited,1,741,1,microfinance,7628.93,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2020,rural,male,31,25-34,second,primary,unemployed,88.46,1,excellent,0,403,1,commercial_bank,3618.29,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2024,urban,female,56,55+,middle,secondary,employed_formal,382.67,8,limited,1,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,36,35-44,lowest,tertiary,employed_formal,146.65,9,none,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,urban,male,45,35-44,fourth,none,employed_informal,448.64,7,limited,1,433,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,female,27,25-34,fourth,secondary,farmer,131.91,7,limited,0,502,1,digital_lender,3550.51,guarantor,education,1,2995.98,0.485,48,92.7,current,not_applicable,low_burden
Ethiopia,2020,rural,female,18,18-24,highest,secondary,unemployed,351.52,6,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,47,45-54,middle,secondary,employed_formal,111.12,10,none,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,male,25,18-24,highest,secondary,self_employed,481.83,4,limited,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,65,55+,middle,primary,farmer,176.97,10,none,0,745,1,microfinance,3340.17,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2019,urban,female,67,55+,middle,secondary,self_employed,613.2,5,good,0,669,1,employer,4406.67,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Tanzania,2021,urban,female,34,25-34,fourth,primary,employed_informal,405.26,9,good,1,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,33,25-34,middle,primary,employed_informal,483.52,5,none,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,female,44,35-44,middle,primary,self_employed,90.66,4,good,1,850,1,commercial_bank,3190.75,property,education,1,2692.24,0.228,24,137.79,current,not_applicable,low_burden
Niger,2021,rural,female,28,25-34,lowest,primary,employed_formal,47.04,10,none,1,494,1,commercial_bank,1386.66,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2018,rural,female,62,55+,second,secondary,farmer,130.49,8,limited,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,urban,male,23,18-24,fourth,tertiary,employed_informal,867.64,2,good,1,643,1,microfinance,3774.03,none,business,1,3432.51,0.337,12,382.5,current,not_applicable,low_burden
Senegal,2021,rural,female,41,35-44,lowest,primary,farmer,134.14,1,none,1,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,female,27,25-34,fourth,primary,farmer,337.48,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,male,61,55+,second,tertiary,self_employed,362.75,2,excellent,0,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,male,25,18-24,second,primary,farmer,37.37,5,none,1,666,1,sacco,2528.67,none,consumption,1,2144.76,0.363,12,243.61,current,not_applicable,low_burden
South Africa,2023,urban,male,41,35-44,fourth,none,employed_formal,905.28,8,none,0,0,1,family_friends,13716.39,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2018,urban,male,61,55+,lowest,secondary,employed_informal,35.15,5,limited,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,40,35-44,highest,tertiary,self_employed,1354.2,5,none,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,female,27,25-34,highest,secondary,farmer,1463.74,10,none,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,26,25-34,second,primary,farmer,336.76,6,good,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,female,49,45-54,second,secondary,self_employed,38.51,9,limited,0,271,1,digital_lender,1349.52,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2020,rural,male,24,18-24,lowest,secondary,farmer,44.05,5,none,1,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,36,35-44,fourth,tertiary,employed_informal,812.54,5,limited,0,437,1,family_friends,5023.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2022,urban,male,49,45-54,lowest,none,employed_formal,145.49,10,none,1,0,1,sacco,1328.6,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2018,rural,female,37,35-44,highest,tertiary,employed_informal,805.5,3,none,1,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,female,61,55+,highest,secondary,unemployed,212.13,6,excellent,1,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,female,53,45-54,lowest,none,self_employed,139.34,10,good,0,389,1,commercial_bank,1640.15,guarantor,consumption,1,1530.79,0.193,6,304.25,current,not_applicable,low_burden
Zambia,2022,rural,female,25,18-24,fourth,none,self_employed,864.11,2,limited,0,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,male,60,55+,second,none,farmer,202.95,2,limited,1,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,65,55+,middle,tertiary,employed_formal,234.7,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,28,25-34,lowest,primary,employed_formal,85.67,5,limited,1,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,male,36,35-44,fourth,secondary,employed_formal,916.56,4,none,1,430,1,commercial_bank,3555.58,none,agriculture,1,3112.3,0.228,18,212.35,late_30_days,not_applicable,low_burden
South Africa,2024,rural,female,38,35-44,lowest,none,employed_informal,71.79,9,none,0,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,40,35-44,highest,secondary,self_employed,580.85,2,none,1,391,1,microfinance,11448.96,guarantor,consumption,1,10021.73,0.35,18,751.45,defaulted,not_applicable,low_burden
Ghana,2019,rural,male,42,35-44,second,primary,employed_informal,158.44,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,female,64,55+,middle,tertiary,farmer,198.45,10,limited,1,705,1,microfinance,1467.06,none,business,1,1379.68,0.338,36,51.28,current,not_applicable,low_burden
Malawi,2024,rural,male,51,45-54,highest,secondary,farmer,664.14,4,none,1,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,male,64,55+,fourth,secondary,unemployed,95.8,1,none,0,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,male,36,35-44,middle,secondary,employed_informal,430.22,3,good,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,45,35-44,second,secondary,self_employed,275.43,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,23,18-24,second,tertiary,employed_formal,247.79,9,good,0,850,1,informal_lender,5983.48,guarantor,agriculture,1,5589.43,0.849,12,861.19,paid_off,not_applicable,low_burden
Mali,2021,urban,male,32,25-34,second,primary,employed_informal,352.13,5,good,0,168,1,microfinance,4456.97,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2019,rural,female,48,45-54,highest,tertiary,self_employed,639.84,1,good,0,406,1,microfinance,9536.68,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2018,rural,female,26,25-34,second,none,self_employed,134.33,3,none,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,67,55+,second,secondary,farmer,279.3,5,good,1,834,1,commercial_bank,9591.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2025,rural,female,32,25-34,fourth,tertiary,farmer,605.14,6,none,1,0,1,digital_lender,6370.87,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2019,urban,female,26,25-34,second,tertiary,employed_formal,512.23,8,excellent,0,850,1,informal_lender,11981.69,property,asset_purchase,1,10552.69,0.798,6,3162.97,current,not_applicable,low_burden
Senegal,2018,urban,male,58,55+,highest,primary,unemployed,618.57,6,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,male,22,18-24,lowest,primary,employed_formal,55.87,8,limited,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,female,34,25-34,lowest,secondary,unemployed,47.73,4,limited,1,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,male,28,25-34,middle,primary,self_employed,154.19,6,good,0,305,1,microfinance,9531.76,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2023,rural,male,54,45-54,middle,tertiary,employed_formal,79.3,8,none,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,urban,male,61,55+,highest,primary,self_employed,1375.21,1,none,1,157,1,microfinance,20196.24,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2025,urban,male,28,25-34,second,none,employed_informal,239.54,7,good,1,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,39,35-44,lowest,secondary,farmer,71.57,9,none,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,male,42,35-44,second,primary,employed_informal,231.81,9,none,1,520,1,family_friends,2955.41,none,consumption,1,2914.09,0.048,12,254.59,paid_off,not_applicable,low_burden
Niger,2025,rural,female,53,45-54,second,primary,farmer,43.54,8,none,1,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,female,36,35-44,middle,primary,employed_informal,213.21,3,good,1,592,1,commercial_bank,1312.55,savings,asset_purchase,1,1136.21,0.215,48,28.76,current,not_applicable,low_burden
DRC,2020,rural,male,45,35-44,second,tertiary,unemployed,98.78,1,limited,1,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,44,35-44,middle,secondary,employed_informal,206.91,8,limited,1,790,1,commercial_bank,3922.71,savings,education,1,3701.76,0.197,48,92.35,current,not_applicable,low_burden
Malawi,2019,urban,male,18,18-24,highest,tertiary,farmer,356.55,8,good,1,661,1,microfinance,5845.08,none,agriculture,1,5603.9,0.284,12,599.81,defaulted,not_applicable,low_burden
Tanzania,2018,urban,female,47,45-54,second,primary,farmer,94.52,7,good,1,489,1,commercial_bank,959.41,property,business,1,809.41,0.161,12,78.3,current,not_applicable,low_burden
Zambia,2022,urban,male,47,45-54,middle,primary,employed_informal,219.81,1,limited,0,7,1,microfinance,4492.6,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2025,rural,female,69,55+,lowest,primary,employed_formal,126.36,10,none,1,676,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,44,35-44,fourth,primary,self_employed,396.08,6,limited,0,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,64,55+,second,none,farmer,248.0,1,limited,0,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,36,35-44,middle,none,farmer,273.86,6,none,0,0,1,employer,1009.76,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2025,rural,male,54,45-54,second,primary,employed_informal,121.39,8,good,0,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,male,64,55+,lowest,secondary,unemployed,127.44,6,none,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,25,18-24,second,primary,unemployed,107.15,4,none,1,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,47,45-54,lowest,secondary,farmer,38.9,3,limited,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,female,65,55+,highest,primary,employed_formal,349.14,10,good,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,female,46,45-54,second,secondary,employed_formal,79.82,10,none,1,63,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,female,64,55+,highest,secondary,unemployed,1778.72,1,none,0,201,1,family_friends,25229.63,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2021,urban,female,39,35-44,middle,secondary,farmer,721.11,9,limited,0,64,1,family_friends,9264.36,guarantor,business,1,8290.12,0.058,24,365.62,late_30_days,not_applicable,low_burden
Senegal,2022,rural,male,64,55+,lowest,secondary,self_employed,35.06,2,excellent,0,270,1,family_friends,1284.24,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2023,rural,female,50,45-54,second,primary,unemployed,36.04,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,42,35-44,lowest,primary,employed_formal,115.23,10,none,0,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,29,25-34,fourth,secondary,farmer,346.13,10,excellent,1,731,1,commercial_bank,5599.95,none,emergency,1,4503.44,0.132,12,424.67,defaulted,not_applicable,low_burden
Tanzania,2025,urban,male,26,25-34,lowest,tertiary,farmer,35.0,7,limited,1,663,1,family_friends,2436.07,none,business,1,2109.68,0.051,36,61.59,current,not_applicable,low_burden
Uganda,2025,rural,female,33,25-34,highest,secondary,farmer,75.25,1,none,0,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,female,57,55+,lowest,primary,farmer,30.69,10,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,female,42,35-44,second,secondary,self_employed,130.88,4,limited,1,317,1,employer,4708.4,savings,housing,1,4020.95,0.023,24,171.46,late_30_days,not_applicable,low_burden
Rwanda,2020,urban,male,38,35-44,lowest,tertiary,employed_formal,40.13,8,limited,0,124,1,informal_lender,2305.28,guarantor,agriculture,1,2199.92,0.774,24,162.58,late_30_days,not_applicable,low_burden
Mozambique,2018,rural,female,42,35-44,fourth,primary,unemployed,535.21,5,none,0,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,female,35,25-34,middle,none,farmer,113.24,3,none,1,173,1,family_friends,5865.97,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2024,urban,female,59,55+,highest,secondary,self_employed,999.24,7,excellent,0,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,male,38,35-44,second,secondary,unemployed,638.91,4,limited,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,42,35-44,lowest,none,employed_informal,97.57,6,limited,0,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,urban,male,47,45-54,fourth,primary,self_employed,453.71,8,none,1,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,female,51,45-54,middle,secondary,unemployed,279.57,4,none,0,0,1,family_friends,2227.49,none,education,1,1880.33,0.09,18,113.82,current,not_applicable,low_burden
Senegal,2019,rural,male,35,25-34,fourth,secondary,farmer,526.7,6,excellent,0,646,1,digital_lender,5678.92,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2023,urban,female,21,18-24,second,secondary,unemployed,265.04,1,limited,0,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,female,53,45-54,fourth,none,unemployed,163.34,4,none,0,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,47,45-54,lowest,primary,self_employed,67.39,8,limited,1,548,1,commercial_bank,7916.46,savings,business,1,6373.44,0.158,12,615.15,late_30_days,not_applicable,low_burden
DRC,2023,rural,female,51,45-54,highest,secondary,employed_informal,416.21,4,none,1,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,46,45-54,lowest,none,farmer,49.43,9,none,0,273,1,family_friends,1942.56,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2022,urban,female,44,35-44,fourth,primary,self_employed,1766.85,3,none,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,male,67,55+,lowest,secondary,self_employed,92.81,2,good,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,20,18-24,fourth,primary,self_employed,465.21,2,limited,0,606,1,informal_lender,6749.96,none,asset_purchase,1,5431.9,0.84,12,832.81,paid_off,not_applicable,low_burden
Ghana,2022,urban,female,22,18-24,highest,secondary,employed_formal,2367.26,9,limited,1,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,male,66,55+,highest,none,employed_formal,757.67,6,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,female,64,55+,middle,secondary,self_employed,63.54,7,good,0,754,1,digital_lender,1457.36,equipment,asset_purchase,1,1388.49,0.453,24,84.08,current,not_applicable,low_burden
Malawi,2024,urban,female,39,35-44,second,secondary,farmer,580.04,7,none,0,430,1,commercial_bank,23263.75,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2021,rural,female,46,45-54,fourth,secondary,self_employed,295.55,5,none,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,female,41,35-44,middle,tertiary,employed_informal,61.5,3,good,0,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,69,55+,middle,primary,self_employed,65.27,10,good,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,41,35-44,lowest,secondary,farmer,132.65,9,none,0,0,1,commercial_bank,4204.29,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2023,rural,male,57,55+,second,primary,employed_formal,40.04,7,none,1,499,1,commercial_bank,1038.18,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2024,rural,male,36,35-44,second,tertiary,self_employed,311.93,3,limited,0,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,37,35-44,middle,none,farmer,211.67,9,none,0,334,1,informal_lender,8206.93,vehicle,business,1,6800.87,0.843,12,1044.38,current,not_applicable,low_burden
Kenya,2022,rural,male,53,45-54,lowest,secondary,self_employed,99.29,7,limited,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,female,38,35-44,second,none,self_employed,151.19,5,limited,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,18,18-24,fourth,primary,unemployed,709.58,2,limited,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,female,26,25-34,middle,none,employed_informal,249.61,8,none,0,90,1,commercial_bank,2392.85,none,business,1,2222.5,0.203,12,222.79,current,not_applicable,low_burden
Mozambique,2024,urban,male,63,55+,highest,primary,employed_informal,964.25,3,good,1,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,rural,male,37,35-44,lowest,none,employed_formal,28.57,10,good,0,163,1,microfinance,2920.91,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2021,urban,male,23,18-24,second,none,farmer,232.59,6,limited,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,male,66,55+,middle,secondary,unemployed,56.06,1,none,1,196,1,family_friends,4676.13,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2021,urban,male,69,55+,second,primary,farmer,347.36,10,excellent,1,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,male,43,35-44,fourth,none,unemployed,378.5,6,none,1,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,male,50,45-54,lowest,tertiary,farmer,83.37,10,none,0,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,urban,female,57,55+,middle,secondary,employed_informal,47.77,7,none,1,202,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,21,18-24,lowest,primary,employed_informal,27.39,3,none,1,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,male,33,25-34,middle,primary,farmer,140.37,6,none,0,47,1,informal_lender,12224.13,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2022,urban,female,47,45-54,fourth,primary,farmer,788.31,6,good,0,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,46,45-54,lowest,secondary,self_employed,46.45,6,none,0,0,1,family_friends,2677.86,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2023,rural,female,35,25-34,second,tertiary,self_employed,721.92,2,none,0,31,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,18,18-24,middle,secondary,self_employed,166.33,4,good,0,127,1,microfinance,3991.46,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2021,urban,male,67,55+,fourth,tertiary,employed_informal,241.56,5,none,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,49,45-54,lowest,secondary,self_employed,52.85,6,limited,0,62,1,digital_lender,729.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2019,urban,female,57,55+,second,tertiary,farmer,93.01,4,excellent,0,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,40,35-44,fourth,secondary,farmer,214.71,8,none,0,311,1,family_friends,3262.26,guarantor,education,1,2741.32,0.041,24,118.95,late_30_days,not_applicable,low_burden
Tanzania,2024,rural,female,44,35-44,middle,secondary,employed_informal,405.86,10,none,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,male,41,35-44,fourth,secondary,farmer,704.57,5,none,0,0,1,employer,4490.2,property,business,1,3791.19,0.004,6,634.09,paid_off,not_applicable,low_burden
Zambia,2020,urban,female,40,35-44,second,secondary,employed_informal,259.72,7,limited,0,608,1,family_friends,4152.81,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2020,rural,female,52,45-54,highest,none,employed_informal,1623.02,2,none,1,441,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,female,69,55+,lowest,none,farmer,126.34,2,excellent,0,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,58,55+,lowest,primary,unemployed,42.57,1,limited,1,82,1,family_friends,1656.23,none,business,1,1592.11,0.089,24,72.25,defaulted,not_applicable,low_burden
Ghana,2019,rural,male,52,45-54,middle,primary,unemployed,328.44,6,limited,1,812,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,18,18-24,middle,tertiary,employed_formal,90.89,7,good,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,44,35-44,middle,secondary,employed_informal,143.12,7,none,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,67,55+,lowest,none,farmer,58.34,7,good,0,518,1,commercial_bank,4103.75,property,business,1,3842.78,0.201,18,256.34,defaulted,not_applicable,low_burden
Ethiopia,2022,rural,female,38,35-44,lowest,primary,farmer,54.34,2,limited,1,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,male,46,45-54,fourth,primary,self_employed,140.4,2,limited,0,620,1,digital_lender,2590.24,vehicle,agriculture,1,2411.26,0.413,6,568.04,current,not_applicable,low_burden
Niger,2024,rural,male,34,25-34,second,secondary,employed_formal,61.62,10,limited,0,406,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,male,27,25-34,fourth,tertiary,self_employed,484.23,8,none,1,221,1,family_friends,7893.36,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2019,urban,female,54,45-54,middle,none,employed_formal,194.58,9,good,1,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,34,25-34,lowest,primary,employed_informal,132.52,4,limited,1,377,1,microfinance,3304.29,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2025,rural,female,48,45-54,fourth,tertiary,farmer,817.75,5,good,0,850,1,microfinance,5034.53,guarantor,emergency,1,4962.71,0.364,12,563.89,late_30_days,not_applicable,low_burden
Senegal,2023,rural,female,48,45-54,highest,secondary,employed_informal,303.1,8,good,1,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,female,62,55+,fourth,tertiary,farmer,512.93,2,limited,1,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,female,66,55+,lowest,primary,self_employed,272.11,1,excellent,1,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,female,46,45-54,middle,primary,self_employed,182.07,3,none,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,male,20,18-24,highest,secondary,self_employed,499.41,2,none,0,758,1,microfinance,3915.22,property,asset_purchase,1,3813.58,0.319,12,419.13,current,not_applicable,low_burden
Mali,2022,rural,female,48,45-54,middle,none,unemployed,365.21,1,none,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,male,64,55+,second,secondary,self_employed,149.36,5,none,1,590,1,digital_lender,4271.07,savings,education,1,4140.23,0.403,12,484.05,current,not_applicable,low_burden
DRC,2018,urban,female,42,35-44,lowest,secondary,unemployed,218.75,5,limited,1,572,1,commercial_bank,9838.33,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2022,rural,male,47,45-54,fourth,primary,self_employed,217.46,7,none,0,395,1,informal_lender,2781.48,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2021,rural,male,57,55+,fourth,primary,self_employed,236.54,3,limited,0,741,1,microfinance,4588.28,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2018,urban,male,40,35-44,highest,secondary,unemployed,1722.32,1,excellent,0,258,1,sacco,13170.23,equipment,business,1,10894.75,0.3,12,1179.89,current,not_applicable,low_burden
Uganda,2020,urban,female,39,35-44,highest,tertiary,employed_informal,1062.84,5,good,0,384,1,digital_lender,8027.07,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2021,urban,female,43,35-44,second,primary,employed_informal,195.23,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,62,55+,middle,secondary,unemployed,78.4,6,excellent,1,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,rural,female,43,35-44,lowest,primary,self_employed,47.04,10,good,1,269,1,commercial_bank,818.34,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,urban,male,35,25-34,lowest,tertiary,employed_informal,164.54,10,good,0,455,1,family_friends,5144.61,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2021,rural,female,49,45-54,lowest,secondary,unemployed,34.8,1,none,1,487,1,commercial_bank,847.24,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2021,rural,male,54,45-54,highest,none,employed_formal,1084.4,10,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,65,55+,lowest,secondary,self_employed,72.67,8,none,0,409,1,family_friends,1140.12,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2018,rural,female,64,55+,middle,secondary,farmer,173.91,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,58,55+,second,secondary,farmer,468.13,2,none,1,0,1,microfinance,2676.16,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2018,urban,female,57,55+,second,primary,self_employed,142.65,10,limited,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,female,41,35-44,middle,secondary,employed_formal,246.96,10,none,1,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,35,25-34,lowest,secondary,farmer,51.96,8,none,1,601,1,commercial_bank,2220.23,none,business,1,1849.88,0.216,24,93.73,current,not_applicable,low_burden
Nigeria,2024,urban,male,47,45-54,second,primary,farmer,191.46,6,limited,1,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,54,45-54,middle,primary,employed_informal,510.4,5,none,1,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,44,35-44,fourth,tertiary,employed_informal,175.48,3,none,0,20,1,informal_lender,2221.03,none,consumption,1,2213.07,0.792,36,110.16,defaulted,not_applicable,low_burden
Nigeria,2022,urban,male,28,25-34,fourth,secondary,self_employed,903.2,1,good,1,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,female,18,18-24,fourth,primary,employed_formal,345.84,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,21,18-24,second,tertiary,farmer,178.78,3,good,0,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,40,35-44,lowest,none,unemployed,321.38,1,limited,1,7,1,microfinance,2129.47,savings,agriculture,1,1949.12,0.351,12,219.4,late_60_days,not_applicable,low_burden
Mozambique,2025,rural,male,59,55+,second,secondary,employed_informal,84.79,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,59,55+,highest,primary,unemployed,420.33,3,none,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,female,60,55+,lowest,none,farmer,102.92,3,limited,1,271,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,54,45-54,lowest,tertiary,farmer,114.99,3,good,0,781,1,microfinance,4204.85,savings,business,1,3825.91,0.31,18,278.5,current,not_applicable,low_burden
Mozambique,2018,rural,male,19,18-24,highest,secondary,unemployed,1222.24,1,none,1,685,1,commercial_bank,8451.84,savings,emergency,1,7616.28,0.143,12,725.7,current,not_applicable,low_burden
Zambia,2024,rural,male,63,55+,highest,primary,employed_informal,455.53,4,none,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,urban,male,67,55+,lowest,tertiary,unemployed,50.26,1,good,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,62,55+,fourth,tertiary,employed_formal,112.76,7,limited,0,485,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,female,41,35-44,second,secondary,self_employed,69.48,6,none,1,210,1,microfinance,4321.45,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2018,urban,male,29,25-34,middle,none,self_employed,222.99,5,good,0,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,65,55+,middle,primary,employed_informal,184.33,4,limited,0,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,27,25-34,highest,secondary,farmer,2818.36,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,male,58,55+,lowest,tertiary,self_employed,18.42,3,none,0,214,1,microfinance,1057.28,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2023,rural,male,68,55+,fourth,primary,self_employed,417.01,9,none,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,64,55+,lowest,primary,self_employed,54.06,7,none,1,307,1,digital_lender,2391.94,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2024,rural,female,45,35-44,middle,none,employed_informal,233.77,7,none,1,602,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,rural,female,61,55+,middle,primary,employed_informal,135.78,3,none,0,325,1,digital_lender,5780.01,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2018,rural,male,61,55+,fourth,secondary,employed_informal,680.68,10,none,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,68,55+,highest,none,unemployed,2036.02,1,none,1,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,female,36,35-44,fourth,secondary,farmer,304.64,6,limited,1,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,female,50,45-54,fourth,secondary,self_employed,1347.08,3,none,0,645,1,sacco,4060.93,guarantor,consumption,1,3846.35,0.289,12,413.31,defaulted,not_applicable,low_burden
Nigeria,2019,urban,female,60,55+,second,primary,farmer,308.09,5,none,1,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,29,25-34,highest,tertiary,self_employed,1760.07,7,limited,0,154,1,commercial_bank,6681.68,none,debt_consolidation,1,6140.0,0.218,36,207.76,current,not_applicable,low_burden
Mali,2019,rural,female,29,25-34,second,none,employed_informal,117.7,10,none,0,319,1,microfinance,6129.79,savings,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Uganda,2025,rural,female,38,35-44,second,none,employed_formal,236.18,10,none,0,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,36,35-44,middle,primary,self_employed,116.81,2,excellent,1,850,1,commercial_bank,3408.3,property,agriculture,1,2828.81,0.148,6,541.3,current,not_applicable,low_burden
DRC,2018,urban,female,57,55+,second,secondary,employed_informal,98.45,1,limited,0,462,1,digital_lender,2875.94,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2018,rural,female,66,55+,middle,primary,unemployed,919.84,6,good,1,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,male,26,25-34,second,tertiary,employed_informal,56.72,9,none,1,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,female,34,25-34,lowest,primary,self_employed,44.39,2,limited,1,824,1,commercial_bank,2247.52,none,business,1,1844.07,0.224,48,47.01,paid_off,not_applicable,low_burden
Rwanda,2020,urban,female,66,55+,highest,primary,self_employed,262.36,9,none,1,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,48,45-54,highest,secondary,farmer,367.31,8,none,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,28,25-34,middle,tertiary,unemployed,99.72,6,good,0,828,1,informal_lender,6590.3,none,agriculture,1,5671.39,0.779,12,840.71,late_60_days,not_applicable,low_burden
Rwanda,2019,rural,male,49,45-54,highest,secondary,self_employed,415.35,2,good,1,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,male,63,55+,second,none,employed_formal,223.24,10,limited,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,urban,male,37,35-44,second,primary,farmer,264.29,4,none,0,0,1,microfinance,4593.94,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2020,rural,female,43,35-44,highest,primary,employed_informal,328.18,6,limited,1,583,1,family_friends,5221.73,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2025,urban,female,49,45-54,middle,secondary,employed_formal,171.67,6,limited,1,20,1,sacco,3885.88,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2020,rural,female,61,55+,fourth,secondary,farmer,704.0,1,limited,0,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,47,45-54,second,primary,employed_formal,597.06,10,limited,0,463,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,female,67,55+,second,secondary,employed_informal,292.21,1,limited,1,526,1,digital_lender,1839.78,savings,business,1,1791.96,0.497,18,149.05,paid_off,not_applicable,low_burden
Niger,2021,urban,male,57,55+,lowest,secondary,self_employed,28.39,5,none,0,0,1,informal_lender,2613.33,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2021,urban,female,39,35-44,highest,primary,self_employed,2277.66,2,limited,0,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,rural,female,43,35-44,lowest,primary,unemployed,220.5,6,none,0,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,54,45-54,middle,secondary,employed_informal,91.03,5,limited,1,380,1,commercial_bank,1864.5,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2019,urban,female,21,18-24,lowest,none,self_employed,191.75,2,limited,0,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,urban,female,29,25-34,middle,none,farmer,349.31,10,none,1,703,1,microfinance,2442.59,guarantor,consumption,1,2150.57,0.28,36,76.45,paid_off,not_applicable,low_burden
Niger,2018,urban,male,30,25-34,second,none,farmer,143.93,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,female,59,55+,fourth,secondary,employed_informal,355.19,2,limited,0,844,1,informal_lender,1838.89,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2023,urban,female,60,55+,middle,secondary,self_employed,406.91,4,limited,0,43,1,informal_lender,2199.02,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2025,urban,male,60,55+,lowest,secondary,self_employed,202.07,6,none,1,709,1,family_friends,1073.23,guarantor,agriculture,1,1045.82,0.055,18,61.29,late_60_days,not_applicable,low_burden
Mozambique,2022,rural,male,23,18-24,lowest,primary,employed_informal,130.65,8,none,1,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,33,25-34,lowest,secondary,employed_formal,20.98,10,none,1,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,34,25-34,fourth,primary,farmer,209.4,9,none,0,106,1,sacco,2296.57,savings,consumption,1,2100.33,0.274,24,111.45,current,not_applicable,low_burden
Niger,2022,urban,female,19,18-24,fourth,secondary,employed_informal,525.22,1,limited,1,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,31,25-34,second,tertiary,employed_informal,364.63,5,none,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,male,40,35-44,middle,secondary,self_employed,44.22,1,none,0,171,1,microfinance,1769.4,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2022,urban,female,64,55+,lowest,primary,employed_informal,58.6,4,none,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,male,26,25-34,highest,secondary,employed_informal,227.87,3,none,1,806,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,62,55+,highest,primary,self_employed,254.62,3,none,0,91,1,family_friends,8680.47,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2019,rural,male,60,55+,fourth,primary,unemployed,657.43,1,excellent,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,rural,male,26,25-34,lowest,tertiary,farmer,41.51,5,limited,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,31,25-34,second,primary,employed_informal,35.33,5,limited,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,41,35-44,highest,none,employed_informal,594.32,10,none,1,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,67,55+,lowest,secondary,unemployed,250.49,1,good,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,female,58,55+,fourth,secondary,farmer,138.88,1,limited,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,male,68,55+,highest,secondary,farmer,1438.52,6,none,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,female,34,25-34,fourth,none,employed_formal,1473.96,7,limited,1,271,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,65,55+,middle,secondary,employed_formal,193.2,5,none,1,179,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,female,67,55+,middle,primary,employed_informal,1150.46,7,excellent,0,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,male,49,45-54,highest,tertiary,farmer,624.19,7,none,1,652,1,commercial_bank,6810.77,none,housing,1,6714.76,0.156,6,1293.33,current,not_applicable,low_burden
Rwanda,2022,rural,female,26,25-34,second,primary,unemployed,333.78,1,good,0,816,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,male,31,25-34,highest,none,employed_informal,1548.86,3,excellent,1,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,male,24,18-24,second,secondary,farmer,176.89,5,limited,0,225,1,family_friends,4624.76,none,debt_consolidation,1,4517.87,0.086,18,272.46,current,not_applicable,low_burden
DRC,2022,rural,male,59,55+,fourth,primary,unemployed,116.43,1,good,1,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,female,34,25-34,highest,secondary,unemployed,329.35,6,none,0,601,1,family_friends,10963.15,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2019,rural,male,54,45-54,middle,primary,self_employed,38.76,1,limited,0,723,1,family_friends,394.26,none,business,1,345.06,0.019,12,29.29,current,not_applicable,low_burden
Senegal,2018,urban,female,31,25-34,second,primary,employed_informal,274.3,2,none,1,681,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,male,68,55+,lowest,none,unemployed,125.25,4,none,1,618,1,commercial_bank,4380.51,property,housing,1,3987.27,0.219,12,405.09,late_60_days,not_applicable,low_burden
Zambia,2019,rural,female,58,55+,fourth,primary,employed_informal,348.55,10,limited,0,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,male,37,35-44,middle,none,employed_informal,273.81,7,limited,0,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,42,35-44,second,primary,employed_informal,313.76,4,limited,0,354,1,sacco,6028.62,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2019,urban,male,21,18-24,highest,primary,self_employed,1220.21,3,none,0,103,1,informal_lender,14070.49,savings,education,1,13253.61,0.809,12,1997.96,current,not_applicable,low_burden
Uganda,2019,rural,male,25,18-24,highest,secondary,employed_formal,450.37,10,none,0,373,1,digital_lender,1962.05,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2021,rural,male,69,55+,highest,secondary,self_employed,736.11,7,none,1,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,male,60,55+,middle,none,unemployed,838.46,1,limited,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,61,55+,highest,none,self_employed,1026.42,5,none,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,51,45-54,highest,none,unemployed,505.41,1,none,0,592,1,family_friends,4277.57,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2025,rural,female,29,25-34,lowest,primary,unemployed,58.39,5,excellent,0,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,female,23,18-24,highest,primary,farmer,1370.16,1,excellent,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,55,45-54,middle,primary,self_employed,148.94,10,limited,0,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,male,35,25-34,highest,tertiary,unemployed,464.81,1,none,0,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,18,18-24,fourth,secondary,self_employed,327.14,2,limited,1,149,1,microfinance,2902.7,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2023,rural,male,19,18-24,middle,none,employed_informal,579.22,1,limited,0,823,1,informal_lender,2943.15,savings,business,1,2381.39,0.823,18,241.14,current,not_applicable,low_burden
Ethiopia,2018,urban,male,47,45-54,second,none,unemployed,314.82,1,none,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,61,55+,lowest,none,self_employed,45.22,1,excellent,1,346,1,commercial_bank,9279.88,savings,business,1,7720.68,0.166,18,500.1,current,not_applicable,low_burden
Uganda,2020,rural,male,36,35-44,second,none,unemployed,222.88,1,none,1,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,69,55+,fourth,secondary,self_employed,331.73,8,none,0,298,1,informal_lender,3633.34,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2019,rural,female,37,35-44,highest,none,employed_informal,845.16,8,limited,0,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,female,56,55+,lowest,none,farmer,71.94,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,male,30,25-34,lowest,none,self_employed,13.75,1,good,1,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,urban,female,49,45-54,fourth,secondary,self_employed,58.27,2,none,1,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,32,25-34,second,none,unemployed,142.16,2,limited,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,58,55+,lowest,tertiary,self_employed,49.47,5,good,1,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,41,35-44,lowest,primary,employed_formal,28.53,10,limited,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,male,20,18-24,middle,primary,farmer,167.82,5,none,1,380,1,commercial_bank,6785.12,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2020,rural,male,30,25-34,middle,primary,employed_formal,382.06,7,limited,1,690,1,microfinance,8244.47,guarantor,business,1,7799.35,0.368,6,1778.89,defaulted,not_applicable,low_burden
Niger,2019,urban,female,36,35-44,highest,secondary,self_employed,1272.57,7,good,0,413,1,sacco,3678.72,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Zambia,2019,rural,female,42,35-44,second,primary,employed_informal,208.21,9,none,0,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,male,68,55+,second,none,employed_formal,267.64,5,none,0,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,male,23,18-24,second,tertiary,self_employed,59.17,8,good,1,400,1,microfinance,2027.35,vehicle,agriculture,1,1645.2,0.298,12,177.94,current,not_applicable,moderate_burden
Malawi,2023,rural,female,23,18-24,second,none,self_employed,78.41,9,none,1,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,30,25-34,middle,primary,farmer,308.47,1,limited,1,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,19,18-24,middle,primary,self_employed,102.57,2,limited,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,41,35-44,second,secondary,farmer,232.01,5,limited,0,526,1,sacco,7245.69,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2023,rural,female,29,25-34,lowest,secondary,farmer,49.67,9,limited,1,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,female,39,35-44,second,tertiary,unemployed,225.63,1,none,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,27,25-34,middle,tertiary,employed_formal,385.54,10,none,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,male,39,35-44,second,primary,self_employed,175.94,10,none,1,162,1,digital_lender,4783.99,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2021,rural,female,53,45-54,lowest,tertiary,farmer,36.06,1,none,0,37,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,male,42,35-44,second,primary,self_employed,123.89,9,limited,0,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,55,45-54,highest,secondary,self_employed,602.29,3,none,0,153,1,digital_lender,7571.87,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2021,rural,male,26,25-34,highest,primary,employed_informal,623.66,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,63,55+,highest,tertiary,self_employed,1730.93,6,limited,1,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,male,36,35-44,highest,none,employed_informal,569.38,1,none,0,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,female,31,25-34,second,primary,self_employed,155.63,9,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,58,55+,second,secondary,farmer,230.48,10,good,0,327,1,employer,2322.02,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2024,rural,male,59,55+,fourth,secondary,employed_formal,153.46,10,none,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,53,45-54,middle,primary,self_employed,365.45,10,good,1,450,1,microfinance,6492.27,savings,education,1,6357.74,0.292,12,684.59,current,not_applicable,moderate_burden
Nigeria,2021,rural,female,52,45-54,middle,primary,farmer,166.09,2,none,0,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,rural,male,37,35-44,highest,none,self_employed,690.92,7,limited,0,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,male,58,55+,fourth,tertiary,self_employed,351.02,1,none,0,0,1,family_friends,8855.72,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2023,urban,female,33,25-34,lowest,secondary,self_employed,117.98,8,none,0,72,1,digital_lender,1516.99,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2018,rural,male,30,25-34,highest,none,self_employed,863.78,7,none,0,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,55,45-54,second,secondary,self_employed,76.44,8,limited,1,295,1,commercial_bank,3360.31,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2021,rural,female,36,35-44,middle,primary,unemployed,179.41,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,male,43,35-44,highest,secondary,employed_formal,1814.58,10,limited,1,227,1,commercial_bank,11617.16,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,rural,female,49,45-54,second,secondary,employed_informal,74.65,3,none,0,294,1,sacco,1543.91,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2018,rural,male,29,25-34,lowest,primary,unemployed,39.28,4,none,1,145,1,digital_lender,2732.65,none,business,1,2345.09,0.455,18,189.5,paid_off,not_applicable,moderate_burden
Malawi,2023,rural,female,54,45-54,second,primary,employed_informal,301.64,2,good,0,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,female,58,55+,middle,primary,self_employed,205.42,9,limited,0,19,1,family_friends,5828.4,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2025,rural,female,57,55+,fourth,secondary,self_employed,720.56,8,limited,0,82,1,digital_lender,4029.15,savings,business,1,3245.17,0.458,12,394.21,late_30_days,not_applicable,moderate_burden
Tanzania,2018,rural,male,37,35-44,second,primary,employed_informal,259.08,8,limited,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,18,18-24,fourth,secondary,employed_informal,530.94,5,limited,0,574,1,family_friends,14118.33,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,rural,female,58,55+,lowest,secondary,unemployed,52.6,1,limited,1,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,female,64,55+,highest,secondary,farmer,131.7,1,none,1,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,29,25-34,middle,primary,unemployed,190.93,1,limited,1,165,1,sacco,3241.94,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2024,rural,female,67,55+,highest,secondary,unemployed,369.22,2,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,male,19,18-24,fourth,primary,unemployed,389.99,1,none,1,446,1,informal_lender,3089.41,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2025,urban,male,28,25-34,fourth,none,employed_formal,349.5,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,63,55+,lowest,primary,farmer,141.99,4,limited,1,69,1,digital_lender,3144.6,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2025,rural,female,48,45-54,lowest,secondary,unemployed,61.61,1,limited,0,821,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,43,35-44,lowest,secondary,self_employed,36.38,2,limited,0,731,1,informal_lender,1316.85,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2022,rural,male,63,55+,fourth,secondary,unemployed,447.73,1,none,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,male,26,25-34,second,primary,employed_informal,1165.64,7,limited,1,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,52,45-54,highest,tertiary,farmer,1291.59,1,limited,1,260,1,commercial_bank,4474.73,guarantor,business,1,4433.0,0.14,6,842.0,defaulted,not_applicable,moderate_burden
South Africa,2020,rural,male,57,55+,second,primary,farmer,86.73,6,none,0,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,52,45-54,middle,none,employed_informal,842.31,7,none,0,9,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,34,25-34,second,none,farmer,29.51,1,none,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,41,35-44,middle,secondary,self_employed,129.08,5,none,1,38,1,microfinance,3194.8,equipment,agriculture,1,3079.22,0.318,12,338.25,paid_off,not_applicable,moderate_burden
Kenya,2019,rural,male,62,55+,second,secondary,employed_formal,112.43,10,excellent,1,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,female,26,25-34,second,primary,unemployed,94.76,1,none,1,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,53,45-54,middle,primary,farmer,200.4,8,limited,0,558,1,family_friends,2535.56,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2018,urban,female,47,45-54,lowest,secondary,self_employed,124.55,4,limited,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,19,18-24,lowest,primary,employed_formal,171.1,10,limited,0,765,1,microfinance,2742.9,equipment,agriculture,1,2410.56,0.368,12,274.9,current,not_applicable,moderate_burden
Uganda,2019,urban,female,23,18-24,middle,tertiary,farmer,422.09,8,none,0,302,1,commercial_bank,7864.94,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2021,urban,male,49,45-54,middle,secondary,farmer,312.54,8,none,1,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,46,45-54,highest,primary,employed_formal,247.26,4,limited,1,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,63,55+,highest,primary,employed_informal,202.13,7,none,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,23,18-24,lowest,secondary,farmer,96.01,3,none,0,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,male,31,25-34,second,secondary,employed_informal,148.4,1,none,1,447,1,sacco,2991.89,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2021,rural,male,38,35-44,second,primary,farmer,197.0,4,none,1,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,67,55+,highest,tertiary,farmer,2510.42,10,limited,1,400,1,sacco,9908.77,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2019,urban,female,29,25-34,fourth,primary,employed_informal,405.21,7,limited,1,441,1,digital_lender,3021.92,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2025,urban,male,48,45-54,middle,primary,self_employed,398.79,2,good,0,458,1,informal_lender,1942.9,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2020,rural,male,24,18-24,highest,secondary,self_employed,678.74,4,good,1,470,1,digital_lender,8299.61,guarantor,asset_purchase,1,7467.1,0.424,24,443.18,current,not_applicable,moderate_burden
Malawi,2024,rural,female,27,25-34,second,tertiary,self_employed,100.04,10,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,55,45-54,lowest,tertiary,self_employed,229.45,10,none,1,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,64,55+,lowest,none,employed_informal,46.44,7,none,0,143,1,employer,6804.2,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2020,rural,female,27,25-34,second,tertiary,employed_formal,246.5,10,good,0,144,1,family_friends,2465.06,guarantor,education,1,2152.26,0.099,6,394.12,current,not_applicable,moderate_burden
Uganda,2019,rural,male,53,45-54,middle,primary,self_employed,153.77,9,limited,0,77,1,digital_lender,5635.38,none,business,1,4549.49,0.417,12,537.07,current,not_applicable,moderate_burden
Zambia,2022,urban,male,60,55+,fourth,primary,employed_informal,719.33,9,none,1,135,1,microfinance,5747.68,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2022,urban,male,20,18-24,second,secondary,self_employed,399.41,8,none,1,233,1,commercial_bank,7121.78,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2022,urban,female,40,35-44,second,primary,employed_informal,731.46,2,limited,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,male,28,25-34,middle,tertiary,self_employed,380.68,7,none,0,224,1,family_friends,5939.69,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2024,rural,male,18,18-24,middle,none,self_employed,423.75,3,good,0,850,1,family_friends,5539.91,savings,emergency,1,5334.61,0.084,12,481.76,current,not_applicable,moderate_burden
Tanzania,2018,urban,male,67,55+,fourth,secondary,self_employed,248.96,8,none,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,28,25-34,lowest,none,self_employed,12.22,8,none,1,94,1,digital_lender,1398.79,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2019,rural,male,26,25-34,second,primary,farmer,187.4,8,none,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,female,66,55+,lowest,tertiary,self_employed,83.4,10,good,1,117,1,commercial_bank,3115.57,equipment,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2019,rural,male,24,18-24,highest,secondary,employed_formal,235.06,7,good,1,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,18,18-24,middle,none,employed_formal,72.07,10,excellent,1,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,54,45-54,middle,none,employed_formal,90.88,10,good,1,850,1,commercial_bank,3441.19,guarantor,business,1,2960.07,0.171,18,192.59,current,not_applicable,moderate_burden
Niger,2021,rural,female,27,25-34,second,secondary,self_employed,519.79,1,limited,1,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,urban,female,57,55+,lowest,primary,farmer,51.26,1,none,1,0,1,microfinance,1268.71,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2022,urban,female,64,55+,middle,none,employed_formal,151.69,6,good,1,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,23,18-24,second,primary,farmer,382.93,7,limited,1,243,1,informal_lender,9435.12,none,housing,1,8163.9,0.797,12,1222.25,paid_off,not_applicable,moderate_burden
Niger,2022,urban,male,36,35-44,fourth,tertiary,unemployed,534.18,5,limited,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,male,22,18-24,second,primary,self_employed,55.64,9,none,0,0,1,sacco,1112.89,guarantor,business,1,1030.37,0.355,12,116.31,current,not_applicable,moderate_burden
DRC,2025,rural,female,36,35-44,lowest,secondary,farmer,51.58,5,good,1,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,65,55+,highest,tertiary,farmer,315.61,4,limited,0,803,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,65,55+,middle,primary,farmer,81.14,1,none,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,50,45-54,middle,none,farmer,870.22,3,none,1,537,1,sacco,16703.17,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2021,urban,female,63,55+,middle,none,self_employed,714.53,9,none,1,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,female,37,35-44,lowest,tertiary,employed_informal,56.09,3,limited,0,562,1,family_friends,1636.87,none,consumption,1,1530.93,0.005,24,64.11,current,not_applicable,moderate_burden
Ghana,2020,rural,female,22,18-24,highest,secondary,self_employed,442.76,3,none,0,497,1,microfinance,4775.38,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2025,urban,male,69,55+,middle,primary,employed_informal,343.34,8,limited,1,672,1,microfinance,2920.84,property,education,1,2538.94,0.328,24,140.51,current,not_applicable,moderate_burden
Ethiopia,2019,rural,male,28,25-34,lowest,primary,unemployed,32.25,1,limited,1,676,1,informal_lender,3613.11,property,business,1,3067.3,0.771,24,226.37,late_30_days,not_applicable,moderate_burden
Uganda,2018,rural,male,43,35-44,highest,primary,self_employed,412.55,9,none,0,205,1,family_friends,16704.75,savings,housing,1,15150.89,0.07,6,2702.36,late_30_days,not_applicable,moderate_burden
Nigeria,2024,rural,male,69,55+,highest,none,self_employed,1570.5,9,limited,1,845,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,31,25-34,lowest,none,unemployed,104.27,4,limited,1,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,40,35-44,highest,none,employed_informal,647.95,9,none,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,48,45-54,second,none,employed_formal,155.65,7,none,0,326,1,informal_lender,4219.29,savings,consumption,1,3599.07,0.777,18,355.24,current,not_applicable,moderate_burden
Rwanda,2023,rural,male,39,35-44,highest,tertiary,self_employed,459.25,9,limited,1,675,1,digital_lender,19172.78,none,business,1,18499.81,0.406,12,2168.07,current,not_applicable,moderate_burden
Rwanda,2023,rural,female,51,45-54,second,none,farmer,180.86,3,none,1,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,male,61,55+,lowest,secondary,self_employed,99.43,8,none,1,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,62,55+,lowest,none,employed_formal,24.85,10,none,1,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,male,59,55+,fourth,none,employed_formal,200.57,10,good,1,615,1,sacco,3563.77,vehicle,housing,1,3053.71,0.314,12,334.29,current,not_applicable,moderate_burden
Kenya,2021,rural,female,36,35-44,middle,secondary,self_employed,346.14,10,limited,1,266,1,microfinance,4589.16,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2024,urban,male,38,35-44,middle,secondary,employed_formal,268.11,9,none,0,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,18,18-24,middle,primary,self_employed,346.44,5,good,1,328,1,informal_lender,6096.32,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2018,urban,female,68,55+,fourth,secondary,employed_formal,392.34,10,none,1,46,1,microfinance,4369.31,guarantor,education,1,4008.89,0.297,6,866.69,current,not_applicable,moderate_burden
Malawi,2024,rural,female,26,25-34,fourth,primary,employed_informal,654.46,3,limited,0,701,1,family_friends,4132.63,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2020,rural,female,51,45-54,second,tertiary,farmer,189.9,9,limited,1,825,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,34,25-34,lowest,none,self_employed,39.14,5,none,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,65,55+,middle,secondary,self_employed,244.63,1,none,1,211,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,63,55+,fourth,primary,self_employed,237.72,1,none,1,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,65,55+,highest,primary,self_employed,1403.71,4,good,0,744,1,digital_lender,10897.7,property,agriculture,1,9647.3,0.486,6,2389.65,late_60_days,not_applicable,moderate_burden
Mali,2018,rural,female,21,18-24,fourth,primary,employed_informal,871.37,7,none,1,627,1,digital_lender,5555.01,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2018,rural,female,49,45-54,second,none,employed_informal,655.06,6,limited,0,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,male,61,55+,fourth,tertiary,self_employed,80.95,8,limited,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,37,35-44,highest,tertiary,employed_formal,422.46,8,limited,0,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,male,36,35-44,second,secondary,self_employed,196.92,8,limited,1,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,22,18-24,middle,primary,employed_formal,112.85,8,none,1,0,1,microfinance,3409.21,none,education,1,3275.65,0.34,12,365.87,late_60_days,not_applicable,moderate_burden
Nigeria,2018,urban,male,23,18-24,lowest,primary,employed_formal,36.57,10,none,0,514,1,informal_lender,1525.87,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2019,rural,female,47,45-54,fourth,tertiary,employed_informal,612.81,1,none,0,0,1,digital_lender,9540.57,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2025,rural,female,27,25-34,fourth,primary,self_employed,348.27,2,limited,0,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,female,69,55+,lowest,primary,employed_informal,88.28,1,good,1,774,1,commercial_bank,4135.98,guarantor,consumption,1,3849.63,0.135,12,364.05,current,not_applicable,moderate_burden
Ethiopia,2020,rural,female,68,55+,fourth,none,employed_formal,380.89,4,limited,1,711,1,microfinance,13334.57,guarantor,debt_consolidation,1,13061.51,0.289,6,2806.77,current,not_applicable,moderate_burden
South Africa,2018,rural,male,37,35-44,second,primary,self_employed,81.03,1,none,0,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,57,55+,middle,primary,self_employed,27.4,1,excellent,1,704,1,microfinance,4758.51,savings,education,1,4213.85,0.363,12,478.77,current,not_applicable,moderate_burden
Mali,2025,urban,male,56,55+,fourth,tertiary,employed_informal,588.13,2,none,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,40,35-44,second,secondary,self_employed,340.51,4,none,1,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,69,55+,lowest,primary,self_employed,55.07,9,limited,0,707,1,family_friends,2370.4,savings,consumption,1,2254.22,0.059,36,66.33,late_60_days,not_applicable,moderate_burden
Mozambique,2021,rural,male,56,55+,fourth,secondary,farmer,457.06,7,none,1,561,1,commercial_bank,4985.38,none,agriculture,1,4135.16,0.191,6,820.98,defaulted,not_applicable,moderate_burden
Mozambique,2025,urban,female,27,25-34,lowest,secondary,self_employed,185.58,10,none,0,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,male,26,25-34,lowest,primary,farmer,48.5,9,none,1,0,1,microfinance,4914.52,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2019,rural,female,49,45-54,middle,primary,employed_formal,704.23,9,limited,1,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,male,45,35-44,lowest,secondary,employed_formal,50.03,6,limited,0,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,male,44,35-44,second,primary,self_employed,150.44,3,none,0,655,1,digital_lender,5203.33,none,business,1,4845.21,0.449,24,292.47,late_30_days,not_applicable,moderate_burden
Uganda,2021,urban,male,53,45-54,middle,secondary,self_employed,249.75,3,good,1,305,1,family_friends,3237.5,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2021,rural,male,23,18-24,fourth,primary,self_employed,966.29,10,limited,0,24,1,digital_lender,3274.61,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2021,urban,female,25,18-24,second,secondary,self_employed,140.93,7,good,1,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,44,35-44,fourth,primary,unemployed,1622.67,3,none,1,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,56,55+,highest,none,employed_formal,452.29,9,none,1,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,female,44,35-44,middle,primary,self_employed,355.83,2,good,1,831,1,commercial_bank,2580.76,savings,business,1,2375.55,0.212,6,479.95,current,not_applicable,moderate_burden
Mozambique,2023,rural,female,23,18-24,fourth,secondary,employed_informal,308.96,9,none,1,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,43,35-44,lowest,none,self_employed,117.27,7,none,0,727,1,family_friends,1764.38,savings,business,1,1579.34,0.007,24,66.27,late_30_days,not_applicable,moderate_burden
Niger,2024,rural,female,59,55+,second,none,farmer,136.37,5,limited,0,245,1,family_friends,4061.23,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2022,rural,male,21,18-24,lowest,secondary,employed_formal,51.56,6,limited,1,97,1,microfinance,3859.16,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2025,rural,male,21,18-24,second,secondary,farmer,40.25,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,male,25,18-24,fourth,none,employed_formal,563.93,10,none,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,48,45-54,lowest,primary,farmer,123.97,8,good,1,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,56,55+,middle,tertiary,farmer,273.28,7,excellent,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,46,45-54,middle,tertiary,employed_informal,271.07,10,good,0,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,female,57,55+,lowest,secondary,employed_informal,34.04,6,good,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,20,18-24,middle,secondary,self_employed,326.72,2,none,1,697,1,sacco,3993.99,equipment,asset_purchase,1,3972.98,0.368,18,302.03,current,not_applicable,moderate_burden
Nigeria,2018,urban,male,27,25-34,highest,secondary,unemployed,1012.87,6,none,0,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,36,35-44,middle,primary,unemployed,231.18,5,none,0,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,male,59,55+,lowest,none,employed_informal,111.2,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,60,55+,middle,primary,self_employed,240.68,9,limited,0,720,1,digital_lender,7190.84,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2021,rural,male,53,45-54,second,none,employed_formal,132.91,4,limited,0,107,1,microfinance,4154.88,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2021,rural,male,50,45-54,second,secondary,self_employed,72.97,2,good,1,173,1,commercial_bank,3019.45,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2020,rural,male,49,45-54,highest,secondary,self_employed,1450.87,5,none,0,480,1,sacco,10203.73,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,rural,female,39,35-44,second,primary,farmer,50.75,8,limited,1,570,1,commercial_bank,2847.0,savings,agriculture,1,2534.91,0.226,18,172.62,defaulted,not_applicable,moderate_burden
Ghana,2021,rural,female,58,55+,second,tertiary,employed_informal,148.5,5,limited,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,27,25-34,lowest,secondary,farmer,25.03,4,none,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,urban,male,61,55+,second,primary,self_employed,551.57,1,good,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,53,45-54,fourth,none,employed_formal,257.22,10,good,0,104,1,family_friends,6222.98,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2019,urban,female,39,35-44,fourth,secondary,employed_informal,317.51,8,none,0,0,1,sacco,2220.56,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2023,urban,male,43,35-44,lowest,primary,employed_informal,266.6,10,good,0,834,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,male,29,25-34,middle,primary,employed_informal,644.54,5,good,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,56,55+,fourth,primary,employed_informal,422.04,6,none,1,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,32,25-34,fourth,secondary,employed_informal,669.38,3,none,1,746,1,sacco,3353.05,guarantor,agriculture,1,2797.46,0.31,18,203.63,current,not_applicable,moderate_burden
Niger,2019,rural,male,32,25-34,highest,secondary,employed_informal,1057.79,9,good,0,452,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,urban,female,39,35-44,middle,none,unemployed,395.48,1,limited,0,380,1,family_friends,6498.08,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2018,rural,female,61,55+,highest,primary,self_employed,2383.77,1,none,1,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,55,45-54,lowest,tertiary,farmer,125.87,6,none,0,617,1,sacco,7341.33,savings,education,1,6749.68,0.337,24,376.14,current,not_applicable,moderate_burden
Ghana,2022,rural,female,32,25-34,second,tertiary,employed_informal,26.64,1,good,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,66,55+,highest,primary,employed_informal,423.15,4,good,0,494,1,family_friends,5814.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,urban,female,57,55+,fourth,primary,self_employed,380.07,3,none,1,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,male,52,45-54,middle,secondary,employed_formal,131.37,10,limited,0,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,29,25-34,fourth,secondary,farmer,298.09,10,none,0,153,1,family_friends,9233.84,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2018,urban,male,19,18-24,highest,primary,employed_informal,1244.43,8,none,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,male,65,55+,second,secondary,self_employed,160.22,10,limited,1,263,1,informal_lender,4504.96,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2020,rural,male,36,35-44,middle,none,self_employed,213.83,1,none,0,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,38,35-44,second,tertiary,unemployed,49.32,6,limited,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,52,45-54,lowest,secondary,self_employed,33.37,4,limited,0,460,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,20,18-24,middle,none,self_employed,614.66,6,limited,0,4,1,sacco,4018.41,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2022,urban,female,56,55+,middle,tertiary,employed_informal,557.79,8,limited,1,60,1,informal_lender,9930.45,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,urban,female,19,18-24,middle,none,unemployed,105.57,1,none,1,362,1,commercial_bank,3081.39,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,rural,male,34,25-34,fourth,primary,self_employed,1061.54,8,good,1,791,1,commercial_bank,4152.7,none,education,1,3909.9,0.179,18,256.07,current,not_applicable,moderate_burden
Niger,2025,rural,male,57,55+,middle,primary,self_employed,129.75,7,none,1,736,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,male,50,45-54,second,primary,self_employed,250.96,5,good,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,female,56,55+,second,secondary,farmer,64.7,9,limited,1,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,55,45-54,second,tertiary,unemployed,153.04,1,good,1,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,68,55+,fourth,secondary,self_employed,245.46,4,none,0,198,1,microfinance,2332.96,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2024,rural,female,59,55+,middle,secondary,self_employed,151.77,1,none,1,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,33,25-34,highest,tertiary,self_employed,1047.1,8,excellent,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,52,45-54,middle,secondary,unemployed,143.49,5,good,1,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,40,35-44,highest,primary,farmer,513.62,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,31,25-34,fourth,secondary,self_employed,757.28,10,limited,0,236,1,informal_lender,10750.47,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2020,rural,male,49,45-54,second,secondary,employed_informal,110.1,5,none,1,470,1,commercial_bank,1423.83,guarantor,housing,1,1379.42,0.159,48,33.31,paid_off,not_applicable,moderate_burden
Mali,2019,rural,female,19,18-24,highest,none,employed_informal,1388.84,1,good,0,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,male,65,55+,lowest,primary,employed_formal,317.23,10,limited,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,41,35-44,middle,secondary,unemployed,94.62,5,none,1,383,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,25,18-24,fourth,secondary,self_employed,279.46,4,limited,0,685,1,employer,4189.39,savings,housing,1,3688.84,0.057,12,325.02,late_30_days,not_applicable,moderate_burden
Senegal,2023,rural,male,38,35-44,middle,tertiary,employed_formal,50.13,10,limited,0,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,female,50,45-54,middle,none,employed_formal,112.92,9,limited,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,56,55+,lowest,secondary,employed_informal,226.49,5,excellent,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,female,59,55+,highest,primary,employed_formal,1299.48,5,limited,0,351,1,family_friends,20653.06,none,education,1,20060.5,0.041,12,1739.99,late_60_days,not_applicable,moderate_burden
Niger,2021,urban,male,67,55+,lowest,none,farmer,74.84,7,none,0,127,1,family_friends,1434.96,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2021,urban,female,63,55+,middle,primary,self_employed,659.55,5,limited,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,39,35-44,lowest,primary,self_employed,49.26,7,limited,0,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,63,55+,middle,secondary,employed_formal,121.66,7,excellent,0,322,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,female,19,18-24,middle,secondary,self_employed,253.99,10,none,0,379,1,family_friends,14052.6,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2021,rural,female,21,18-24,lowest,secondary,self_employed,32.98,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,48,45-54,middle,tertiary,farmer,186.98,1,limited,0,362,1,employer,8883.14,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2025,rural,male,56,55+,second,tertiary,employed_informal,155.27,2,good,0,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,male,32,25-34,fourth,secondary,self_employed,220.96,4,excellent,0,452,1,microfinance,6305.77,savings,education,1,6043.94,0.287,6,1296.7,late_60_days,not_applicable,moderate_burden
Tanzania,2019,rural,female,22,18-24,fourth,secondary,farmer,471.4,7,none,1,492,1,commercial_bank,4283.78,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2025,rural,male,38,35-44,lowest,primary,unemployed,120.5,1,limited,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,39,35-44,lowest,none,self_employed,67.81,8,limited,1,514,1,microfinance,3413.65,equipment,housing,1,2843.59,0.271,12,301.27,paid_off,not_applicable,moderate_burden
Niger,2021,rural,male,43,35-44,second,tertiary,self_employed,94.23,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,29,25-34,lowest,none,self_employed,290.73,4,limited,1,383,1,sacco,2178.85,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2024,rural,male,63,55+,fourth,secondary,farmer,240.53,6,good,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,female,22,18-24,lowest,none,farmer,57.02,10,limited,0,657,1,family_friends,1793.99,guarantor,asset_purchase,1,1573.02,0.007,6,264.1,current,not_applicable,moderate_burden
Nigeria,2019,rural,female,31,25-34,highest,none,self_employed,2034.61,2,none,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,34,25-34,middle,secondary,self_employed,171.85,2,none,0,148,1,commercial_bank,2705.97,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2024,rural,female,67,55+,lowest,secondary,employed_informal,71.77,10,none,1,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,40,35-44,middle,secondary,employed_informal,709.55,5,none,0,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,24,18-24,second,secondary,unemployed,43.3,1,limited,0,307,1,family_friends,3304.46,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2021,rural,female,42,35-44,fourth,secondary,unemployed,195.22,1,none,0,131,1,sacco,2601.03,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2021,rural,female,36,35-44,middle,primary,employed_informal,323.27,9,none,1,0,1,commercial_bank,8637.43,property,emergency,1,7623.46,0.154,36,244.4,paid_off,not_applicable,moderate_burden
Mali,2024,rural,female,27,25-34,lowest,secondary,farmer,41.73,4,limited,1,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,male,51,45-54,fourth,primary,farmer,321.36,8,none,0,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,male,44,35-44,lowest,secondary,farmer,209.03,8,excellent,0,255,1,digital_lender,2337.27,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2020,rural,male,60,55+,second,secondary,self_employed,136.97,1,none,1,196,1,commercial_bank,3860.38,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2022,rural,female,42,35-44,highest,tertiary,unemployed,763.23,1,none,0,847,1,informal_lender,3422.13,property,housing,1,3010.42,0.813,12,454.84,current,not_applicable,moderate_burden
Senegal,2024,rural,male,33,25-34,second,secondary,employed_formal,135.32,10,none,0,108,1,informal_lender,3961.17,none,business,1,3866.16,0.758,6,1132.51,current,not_applicable,moderate_burden
Rwanda,2021,urban,male,63,55+,fourth,primary,unemployed,1008.28,2,limited,0,128,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,20,18-24,second,secondary,employed_informal,250.54,1,limited,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,36,35-44,highest,none,self_employed,487.97,7,limited,1,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,54,45-54,second,secondary,self_employed,93.51,1,none,0,520,1,sacco,1478.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2018,urban,male,68,55+,middle,primary,self_employed,697.51,1,none,0,284,1,sacco,10418.23,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2023,rural,female,37,35-44,second,primary,unemployed,123.28,1,none,0,502,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,65,55+,second,secondary,farmer,89.03,1,good,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,male,34,25-34,lowest,secondary,self_employed,156.29,7,none,1,689,1,commercial_bank,1472.49,none,business,1,1290.35,0.145,18,82.11,paid_off,not_applicable,moderate_burden
Senegal,2023,rural,female,66,55+,second,primary,self_employed,428.86,3,none,0,735,1,sacco,9435.46,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2020,urban,male,26,25-34,lowest,none,self_employed,58.35,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,female,39,35-44,second,secondary,farmer,120.48,5,good,0,332,1,digital_lender,3626.69,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2020,urban,female,19,18-24,second,primary,employed_informal,115.93,3,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,43,35-44,second,primary,unemployed,186.96,1,limited,0,745,1,informal_lender,2981.82,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,urban,male,33,25-34,lowest,primary,self_employed,79.35,4,none,0,468,1,digital_lender,1672.11,savings,business,1,1626.36,0.495,12,202.64,current,not_applicable,moderate_burden
Zambia,2024,rural,female,18,18-24,second,none,employed_formal,290.49,9,limited,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,27,25-34,fourth,secondary,employed_informal,687.71,5,none,1,14,1,informal_lender,5754.47,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2024,rural,female,46,45-54,second,primary,employed_informal,73.51,9,limited,1,511,1,commercial_bank,4361.14,property,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2018,rural,female,25,18-24,lowest,primary,farmer,26.66,9,none,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,48,45-54,fourth,none,farmer,338.13,10,limited,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,29,25-34,lowest,secondary,self_employed,112.97,9,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,female,39,35-44,highest,secondary,employed_informal,1001.09,7,none,1,219,1,informal_lender,3881.42,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2023,urban,female,67,55+,highest,none,employed_informal,687.34,9,none,1,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,32,25-34,middle,tertiary,farmer,136.63,9,none,1,79,1,microfinance,10056.02,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2022,rural,male,68,55+,highest,primary,self_employed,392.39,3,none,0,843,1,digital_lender,9340.7,guarantor,agriculture,1,8142.68,0.453,24,493.0,paid_off,not_applicable,moderate_burden
Malawi,2023,rural,male,59,55+,second,primary,self_employed,339.26,6,none,1,591,1,family_friends,2205.09,guarantor,consumption,1,1820.4,0.045,12,158.56,current,not_applicable,moderate_burden
Zambia,2018,rural,female,26,25-34,middle,tertiary,employed_informal,309.85,10,none,1,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,female,53,45-54,highest,primary,employed_formal,806.64,5,good,0,850,1,family_friends,6956.25,guarantor,business,1,5882.04,0.057,18,345.4,current,not_applicable,moderate_burden
Zambia,2024,rural,female,26,25-34,middle,primary,farmer,187.42,5,good,1,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,40,35-44,middle,none,self_employed,438.98,1,none,0,441,1,informal_lender,6892.36,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2022,rural,male,57,55+,highest,primary,self_employed,2317.5,5,none,0,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,64,55+,lowest,primary,unemployed,63.02,1,none,0,463,1,commercial_bank,2836.33,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2022,rural,male,19,18-24,second,none,employed_informal,206.08,4,limited,0,817,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,28,25-34,highest,primary,employed_informal,1029.76,5,none,1,750,1,microfinance,21007.62,guarantor,debt_consolidation,1,20537.13,0.331,18,1518.48,late_60_days,not_applicable,moderate_burden
Kenya,2021,urban,male,32,25-34,highest,primary,self_employed,580.05,10,none,1,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,43,35-44,lowest,none,farmer,70.38,5,none,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,66,55+,lowest,primary,self_employed,45.31,4,none,0,254,1,microfinance,2206.69,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2021,urban,male,43,35-44,fourth,primary,employed_formal,815.32,10,limited,0,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,39,35-44,fourth,primary,employed_informal,251.96,5,limited,0,735,1,sacco,1628.3,none,housing,1,1601.49,0.328,12,177.23,current,not_applicable,moderate_burden
Nigeria,2025,urban,female,65,55+,lowest,primary,unemployed,50.5,4,limited,1,228,1,commercial_bank,680.65,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2019,urban,female,55,45-54,highest,none,employed_formal,1691.54,7,none,0,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,male,51,45-54,lowest,secondary,self_employed,62.13,6,limited,1,20,1,commercial_bank,768.26,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2018,urban,female,58,55+,second,none,self_employed,221.33,3,limited,1,409,1,commercial_bank,3535.52,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2020,rural,female,40,35-44,lowest,primary,employed_informal,32.78,5,none,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,female,49,45-54,fourth,secondary,employed_informal,1006.79,4,limited,0,97,1,sacco,14810.94,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2025,urban,female,24,18-24,second,none,farmer,195.31,10,limited,0,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,42,35-44,second,none,employed_informal,217.62,8,limited,1,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,male,31,25-34,middle,primary,self_employed,291.03,9,limited,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,male,67,55+,lowest,primary,self_employed,137.76,7,limited,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,39,35-44,middle,secondary,self_employed,337.3,7,none,0,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,female,42,35-44,lowest,primary,employed_formal,149.44,10,none,0,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,60,55+,lowest,none,employed_formal,89.24,10,limited,1,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,56,55+,highest,primary,self_employed,1992.44,9,none,1,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,25,18-24,highest,none,farmer,913.58,9,limited,0,197,1,family_friends,4926.07,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2019,rural,female,21,18-24,lowest,secondary,employed_formal,87.6,10,none,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,54,45-54,second,secondary,employed_formal,263.62,10,good,0,806,1,employer,810.29,property,education,1,684.6,0.094,18,41.63,paid_off,not_applicable,moderate_burden
Tanzania,2024,urban,female,51,45-54,middle,tertiary,farmer,288.88,2,excellent,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,male,44,35-44,middle,tertiary,employed_informal,223.61,6,none,1,217,1,digital_lender,2748.08,none,asset_purchase,1,2591.43,0.459,6,630.29,paid_off,not_applicable,moderate_burden
South Africa,2023,rural,male,69,55+,second,primary,self_employed,122.3,6,limited,0,816,1,digital_lender,1299.32,property,business,1,1117.67,0.401,12,130.47,current,not_applicable,moderate_burden
Nigeria,2018,rural,female,19,18-24,fourth,secondary,employed_informal,192.62,7,limited,0,813,1,digital_lender,6541.02,none,business,1,6461.39,0.43,6,1540.33,current,not_applicable,moderate_burden
Mozambique,2025,urban,female,51,45-54,lowest,secondary,self_employed,120.37,1,good,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,56,55+,second,tertiary,employed_formal,166.85,9,none,0,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,22,18-24,highest,primary,self_employed,266.03,2,none,1,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,33,25-34,middle,tertiary,employed_formal,249.11,10,none,0,292,1,digital_lender,5231.76,property,asset_purchase,1,4774.43,0.453,12,578.1,current,not_applicable,moderate_burden
Kenya,2024,rural,female,55,45-54,lowest,primary,employed_informal,42.57,10,none,1,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,58,55+,middle,secondary,employed_informal,367.83,7,good,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,48,45-54,lowest,primary,employed_informal,87.8,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,36,35-44,fourth,primary,self_employed,350.24,4,none,0,0,1,family_friends,7737.43,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2024,urban,male,58,55+,fourth,secondary,employed_informal,523.31,9,none,0,481,1,microfinance,9261.36,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2018,rural,male,57,55+,lowest,secondary,employed_informal,67.58,9,good,1,754,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,35,25-34,middle,secondary,employed_informal,284.62,10,limited,1,302,1,digital_lender,8833.83,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2025,rural,male,44,35-44,second,tertiary,unemployed,95.12,1,none,0,0,1,microfinance,3498.41,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2019,rural,female,26,25-34,second,secondary,employed_informal,84.98,7,good,1,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,male,44,35-44,middle,none,employed_informal,140.06,8,excellent,0,428,1,microfinance,1458.24,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2024,rural,male,64,55+,second,primary,employed_formal,38.3,10,good,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,female,52,45-54,highest,primary,farmer,714.67,10,limited,0,606,1,informal_lender,7196.92,none,business,1,6605.86,0.829,6,2013.63,late_30_days,not_applicable,moderate_burden
Mali,2024,rural,male,24,18-24,middle,secondary,employed_formal,26.85,8,none,0,378,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,female,54,45-54,second,primary,employed_informal,163.93,2,good,1,318,1,sacco,4260.9,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2023,urban,male,58,55+,middle,secondary,employed_informal,126.13,7,good,1,631,1,sacco,4344.1,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2020,rural,female,65,55+,lowest,primary,employed_informal,97.78,1,excellent,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,37,35-44,second,secondary,employed_informal,117.91,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,48,45-54,lowest,tertiary,employed_informal,36.36,8,limited,1,757,1,employer,1579.92,property,business,1,1466.08,0.001,6,244.54,current,not_applicable,moderate_burden
Ethiopia,2018,rural,female,18,18-24,lowest,secondary,self_employed,52.03,10,none,0,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,49,45-54,highest,primary,self_employed,999.8,5,limited,0,712,1,family_friends,14580.26,none,education,1,12935.1,0.09,24,587.69,late_30_days,not_applicable,moderate_burden
Nigeria,2019,rural,male,35,25-34,lowest,primary,self_employed,14.64,3,none,0,423,1,commercial_bank,1250.89,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2019,rural,female,29,25-34,lowest,tertiary,self_employed,51.87,2,limited,0,741,1,commercial_bank,5487.05,none,consumption,1,4701.48,0.15,48,112.63,current,not_applicable,moderate_burden
Kenya,2025,urban,male,60,55+,second,secondary,farmer,344.03,3,limited,1,302,1,commercial_bank,2418.45,equipment,asset_purchase,1,2303.28,0.209,18,154.65,current,not_applicable,moderate_burden
Ethiopia,2022,rural,male,33,25-34,lowest,secondary,employed_informal,15.3,3,limited,1,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,37,35-44,lowest,primary,unemployed,107.49,3,none,1,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,female,24,18-24,fourth,primary,unemployed,310.24,3,good,1,850,1,digital_lender,10684.72,property,education,1,10020.36,0.466,18,816.05,current,not_applicable,moderate_burden
Ghana,2019,urban,female,21,18-24,lowest,primary,self_employed,180.65,7,limited,0,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,male,69,55+,fourth,primary,self_employed,131.29,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,55,45-54,second,secondary,farmer,101.8,8,good,0,846,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,69,55+,middle,none,employed_informal,584.6,7,good,0,259,1,sacco,4902.84,none,emergency,1,4076.71,0.317,24,223.79,late_60_days,not_applicable,moderate_burden
Tanzania,2025,rural,female,69,55+,lowest,primary,self_employed,19.88,4,none,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,47,45-54,second,secondary,farmer,46.93,7,good,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,27,25-34,second,tertiary,farmer,624.51,3,limited,0,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,urban,female,37,35-44,lowest,tertiary,employed_informal,60.08,3,excellent,1,850,1,employer,4360.47,vehicle,business,1,3816.49,0.085,24,172.57,paid_off,not_applicable,moderate_burden
Nigeria,2025,rural,male,48,45-54,fourth,none,self_employed,325.08,9,limited,1,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,male,21,18-24,fourth,primary,self_employed,812.32,3,none,1,466,1,family_friends,3853.47,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2019,rural,female,64,55+,middle,secondary,employed_formal,304.76,8,none,0,365,1,family_friends,6944.53,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2018,rural,male,25,18-24,highest,tertiary,employed_formal,184.66,7,none,0,661,1,informal_lender,2758.14,vehicle,education,1,2710.88,0.784,36,134.34,current,not_applicable,moderate_burden
Mozambique,2019,rural,female,37,35-44,middle,primary,farmer,165.61,6,none,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,24,18-24,lowest,secondary,farmer,61.63,4,none,0,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,24,18-24,lowest,tertiary,employed_formal,75.63,9,good,0,850,1,informal_lender,9270.1,vehicle,consumption,1,9086.88,0.837,6,2782.31,current,not_applicable,moderate_burden
Uganda,2019,urban,male,55,45-54,lowest,none,self_employed,157.83,9,limited,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,male,35,25-34,fourth,secondary,unemployed,205.48,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,20,18-24,middle,none,farmer,387.03,8,good,1,823,1,sacco,6673.55,property,agriculture,1,6223.64,0.367,24,354.5,current,not_applicable,moderate_burden
Nigeria,2020,urban,male,43,35-44,second,secondary,employed_informal,807.97,1,limited,1,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,male,55,45-54,fourth,primary,employed_informal,921.28,6,none,1,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,54,45-54,second,primary,farmer,82.34,9,none,0,362,1,microfinance,3285.29,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2020,rural,female,33,25-34,fourth,tertiary,employed_informal,335.86,2,none,1,718,1,informal_lender,6887.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ghana,2019,urban,male,40,35-44,lowest,primary,farmer,163.76,2,limited,0,849,1,informal_lender,3230.08,equipment,agriculture,1,3090.19,0.773,24,228.32,defaulted,not_applicable,moderate_burden
Ghana,2021,rural,female,28,25-34,highest,tertiary,self_employed,369.93,8,none,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,female,65,55+,second,secondary,employed_informal,559.44,8,none,1,0,1,digital_lender,7171.86,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2018,urban,male,62,55+,fourth,tertiary,self_employed,879.32,8,limited,0,212,1,informal_lender,10323.43,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,urban,female,53,45-54,middle,primary,employed_informal,286.31,4,good,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,20,18-24,second,secondary,self_employed,201.75,3,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,60,55+,lowest,tertiary,employed_informal,36.33,5,good,1,242,1,commercial_bank,798.58,none,business,1,796.3,0.188,24,39.41,late_30_days,not_applicable,moderate_burden
Mali,2021,rural,male,37,35-44,fourth,primary,self_employed,495.54,10,none,0,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,female,18,18-24,lowest,secondary,farmer,48.29,3,limited,0,617,1,informal_lender,1825.9,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2018,urban,male,26,25-34,fourth,secondary,self_employed,819.31,10,good,1,234,1,commercial_bank,16752.81,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2019,rural,female,45,35-44,fourth,tertiary,farmer,437.2,1,none,1,401,1,microfinance,8833.99,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2023,rural,female,35,25-34,highest,secondary,self_employed,3785.52,7,limited,1,271,1,commercial_bank,13786.75,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2022,urban,male,62,55+,middle,none,self_employed,85.54,4,good,0,517,1,informal_lender,3006.02,savings,housing,1,2937.59,0.767,12,432.49,current,not_applicable,moderate_burden
Mali,2019,rural,female,61,55+,lowest,secondary,employed_informal,31.37,8,none,0,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,68,55+,middle,none,employed_formal,57.88,8,good,0,237,1,informal_lender,2422.97,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2025,rural,female,59,55+,second,secondary,employed_informal,280.6,7,good,0,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,male,50,45-54,second,tertiary,employed_formal,99.15,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,female,51,45-54,highest,tertiary,employed_informal,873.08,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,male,56,55+,middle,tertiary,farmer,394.67,9,good,0,482,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,40,35-44,fourth,secondary,unemployed,695.36,1,none,1,744,1,commercial_bank,4862.67,none,consumption,1,4574.61,0.173,48,111.81,current,not_applicable,moderate_burden
Mozambique,2019,urban,female,57,55+,middle,primary,self_employed,170.82,5,limited,1,751,1,digital_lender,3805.28,guarantor,business,1,3070.34,0.474,12,377.2,current,not_applicable,moderate_burden
Uganda,2023,rural,male,65,55+,lowest,secondary,self_employed,48.71,8,none,0,365,1,informal_lender,2087.88,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2023,urban,male,50,45-54,middle,secondary,unemployed,367.53,6,limited,1,510,1,digital_lender,3975.39,guarantor,emergency,1,3938.34,0.413,12,463.8,current,not_applicable,moderate_burden
Nigeria,2024,rural,male,52,45-54,second,primary,self_employed,215.83,5,limited,0,118,1,employer,1918.33,guarantor,business,1,1834.17,0.033,12,157.91,current,not_applicable,moderate_burden
Malawi,2022,rural,male,46,45-54,highest,secondary,farmer,554.79,4,none,0,213,1,digital_lender,33814.15,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2020,urban,female,23,18-24,second,secondary,employed_informal,150.46,1,limited,1,14,1,commercial_bank,10445.75,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2025,urban,male,58,55+,lowest,secondary,farmer,28.97,6,none,0,724,1,commercial_bank,944.32,guarantor,education,1,816.64,0.197,12,81.47,paid_off,not_applicable,moderate_burden
Tanzania,2018,urban,female,66,55+,second,primary,employed_informal,261.95,2,limited,1,426,1,family_friends,8104.12,none,emergency,1,7663.61,0.004,6,1282.88,current,not_applicable,moderate_burden
Zambia,2021,urban,male,29,25-34,lowest,tertiary,unemployed,63.26,1,limited,0,366,1,digital_lender,2999.1,savings,debt_consolidation,1,2528.07,0.486,12,313.16,defaulted,not_applicable,moderate_burden
Tanzania,2024,rural,male,66,55+,highest,primary,employed_informal,823.0,7,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,64,55+,highest,tertiary,employed_formal,317.57,10,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,41,35-44,fourth,tertiary,self_employed,595.98,4,limited,0,307,1,family_friends,4377.1,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2019,rural,female,62,55+,second,secondary,farmer,309.61,8,good,0,204,1,family_friends,1995.64,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2020,rural,male,22,18-24,highest,none,farmer,440.46,3,limited,1,441,1,family_friends,26951.65,none,business,1,21576.45,0.014,24,912.01,current,not_applicable,moderate_burden
Ethiopia,2018,rural,male,44,35-44,middle,primary,employed_informal,776.84,10,none,1,240,1,informal_lender,5014.48,property,agriculture,1,4556.27,0.79,36,226.52,late_30_days,not_applicable,moderate_burden
Senegal,2019,rural,female,60,55+,second,secondary,employed_informal,177.68,5,none,1,33,1,microfinance,2247.14,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2021,rural,male,49,45-54,lowest,primary,employed_formal,146.04,10,limited,1,544,1,microfinance,2970.26,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2019,rural,female,25,18-24,fourth,tertiary,employed_informal,755.53,8,none,1,89,1,sacco,10224.28,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2021,rural,female,64,55+,middle,secondary,employed_informal,175.81,5,limited,1,828,1,family_friends,4230.48,property,agriculture,1,4207.03,0.052,6,737.34,current,not_applicable,moderate_burden
South Africa,2024,urban,female,58,55+,lowest,secondary,unemployed,193.07,3,limited,1,591,1,sacco,3495.67,property,agriculture,1,3339.34,0.364,12,379.71,current,not_applicable,moderate_burden
Nigeria,2022,urban,male,45,35-44,fourth,secondary,self_employed,434.67,3,limited,1,350,1,digital_lender,7186.29,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2023,rural,male,69,55+,lowest,secondary,employed_informal,79.25,1,limited,0,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,50,45-54,fourth,primary,farmer,623.33,6,none,1,53,1,sacco,2208.48,guarantor,business,1,1785.5,0.29,12,191.87,current,not_applicable,moderate_burden
Uganda,2021,urban,male,63,55+,second,none,self_employed,98.55,7,limited,1,424,1,digital_lender,4943.57,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Niger,2020,rural,female,62,55+,fourth,primary,unemployed,268.76,1,none,0,0,1,sacco,4663.56,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2018,rural,female,29,25-34,middle,primary,self_employed,308.96,7,good,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,18,18-24,second,tertiary,employed_informal,354.08,4,good,0,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,66,55+,highest,primary,employed_informal,1970.49,10,limited,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,18,18-24,highest,primary,employed_formal,416.28,10,limited,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,male,18,18-24,fourth,primary,unemployed,139.21,1,good,1,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,male,36,35-44,middle,primary,farmer,299.67,5,none,1,354,1,microfinance,3430.37,savings,emergency,1,3205.28,0.353,24,180.64,late_60_days,not_applicable,moderate_burden
Zambia,2023,urban,female,39,35-44,second,secondary,self_employed,143.28,5,none,1,401,1,commercial_bank,1885.69,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2023,rural,female,36,35-44,lowest,secondary,farmer,46.15,8,none,1,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,female,62,55+,fourth,none,employed_informal,393.23,7,none,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,female,68,55+,lowest,none,unemployed,95.96,1,good,0,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,34,25-34,middle,primary,self_employed,217.47,10,none,1,146,1,sacco,6517.82,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2025,urban,female,64,55+,middle,none,self_employed,255.23,5,good,0,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,male,50,45-54,second,secondary,farmer,33.37,4,none,1,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,62,55+,fourth,tertiary,unemployed,1095.05,4,none,0,438,1,family_friends,19614.85,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2025,rural,female,50,45-54,lowest,secondary,farmer,61.05,7,none,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,female,18,18-24,lowest,secondary,self_employed,218.77,2,none,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,65,55+,lowest,primary,employed_informal,193.85,3,limited,1,392,1,commercial_bank,1954.72,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2024,urban,male,48,45-54,fourth,secondary,unemployed,472.74,5,limited,0,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,23,18-24,fourth,none,self_employed,1717.08,3,good,1,621,1,digital_lender,9022.18,property,housing,1,7903.76,0.493,6,1967.0,late_30_days,not_applicable,moderate_burden
Rwanda,2025,rural,male,35,25-34,second,secondary,self_employed,128.86,9,good,1,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,male,68,55+,middle,none,employed_formal,176.41,10,limited,0,618,1,informal_lender,11451.87,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2019,urban,female,38,35-44,fourth,secondary,employed_informal,584.98,3,limited,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,male,20,18-24,lowest,secondary,unemployed,49.13,4,none,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,66,55+,middle,tertiary,self_employed,140.63,4,none,1,189,1,commercial_bank,1760.39,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2022,urban,female,58,55+,second,secondary,employed_informal,63.55,5,none,1,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,34,25-34,middle,primary,employed_formal,249.0,10,none,1,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,18,18-24,highest,primary,self_employed,1102.42,4,limited,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,45,35-44,second,secondary,self_employed,110.74,3,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,27,25-34,fourth,primary,farmer,262.68,7,none,0,0,1,informal_lender,1650.59,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2023,urban,female,21,18-24,lowest,primary,self_employed,107.73,3,limited,0,635,1,digital_lender,2067.83,guarantor,business,1,1948.17,0.461,12,237.24,current,not_applicable,moderate_burden
South Africa,2021,rural,female,27,25-34,highest,primary,employed_informal,783.36,3,none,0,682,1,employer,6211.85,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2018,urban,male,55,45-54,fourth,primary,self_employed,1768.77,1,none,0,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,female,31,25-34,middle,none,employed_formal,93.95,4,none,1,128,1,informal_lender,3223.35,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2024,rural,female,27,25-34,lowest,secondary,employed_informal,144.47,6,none,0,522,1,family_friends,3233.23,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2018,rural,female,45,35-44,lowest,none,employed_informal,160.89,1,limited,1,70,1,family_friends,2118.92,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2019,urban,male,60,55+,second,primary,employed_informal,85.15,5,limited,1,415,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,28,25-34,highest,primary,employed_informal,1588.84,8,none,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,65,55+,lowest,primary,self_employed,55.46,4,good,1,383,1,commercial_bank,2021.55,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2024,rural,male,60,55+,middle,primary,self_employed,542.03,5,good,1,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,58,55+,middle,primary,employed_informal,131.14,2,good,0,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,59,55+,fourth,secondary,self_employed,543.88,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,52,45-54,lowest,primary,farmer,40.79,6,limited,1,123,1,digital_lender,2534.5,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2018,urban,male,57,55+,highest,primary,farmer,1183.39,9,none,1,704,1,commercial_bank,9222.36,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2018,rural,female,22,18-24,second,primary,self_employed,803.12,2,good,1,850,1,commercial_bank,5330.84,savings,housing,1,4437.36,0.189,6,879.38,current,not_applicable,moderate_burden
Nigeria,2022,urban,female,54,45-54,lowest,secondary,employed_informal,109.92,3,none,1,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,female,57,55+,second,primary,employed_informal,291.58,9,none,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,male,24,18-24,second,none,unemployed,205.44,2,none,0,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,61,55+,lowest,tertiary,self_employed,55.34,10,none,1,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,female,62,55+,lowest,none,employed_informal,190.85,1,limited,0,55,1,family_friends,6665.27,none,asset_purchase,1,5796.81,0.052,12,508.41,late_30_days,not_applicable,moderate_burden
Ethiopia,2019,urban,male,53,45-54,highest,primary,farmer,984.58,5,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,46,45-54,second,none,self_employed,99.52,3,excellent,1,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,56,55+,middle,primary,self_employed,91.73,7,good,1,850,1,microfinance,3079.99,equipment,business,1,2609.8,0.274,24,138.53,paid_off,not_applicable,moderate_burden
Uganda,2024,urban,female,38,35-44,lowest,primary,employed_informal,69.95,2,none,0,0,1,family_friends,4074.24,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2022,urban,male,63,55+,lowest,tertiary,self_employed,144.2,4,none,1,247,1,digital_lender,2963.17,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2021,urban,male,60,55+,lowest,secondary,employed_informal,39.26,2,none,1,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,female,52,45-54,second,none,employed_informal,108.08,6,limited,1,532,1,digital_lender,1437.83,vehicle,asset_purchase,1,1306.39,0.49,12,162.24,paid_off,not_applicable,moderate_burden
DRC,2020,rural,female,55,45-54,fourth,secondary,self_employed,381.19,10,good,0,740,1,microfinance,2223.97,savings,asset_purchase,1,1903.39,0.348,12,213.74,current,not_applicable,moderate_burden
Ethiopia,2021,rural,female,42,35-44,lowest,none,employed_informal,62.01,1,limited,1,377,1,commercial_bank,3057.9,savings,business,1,2787.68,0.205,12,279.85,late_30_days,not_applicable,moderate_burden
Malawi,2022,rural,male,21,18-24,lowest,none,employed_informal,69.59,3,limited,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,female,20,18-24,highest,secondary,employed_formal,1766.86,10,none,1,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,female,43,35-44,second,none,employed_formal,161.79,9,none,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,24,18-24,highest,tertiary,employed_formal,220.06,7,none,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,female,58,55+,middle,none,employed_formal,660.64,10,none,0,440,1,informal_lender,9682.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2020,urban,male,22,18-24,fourth,tertiary,self_employed,529.48,10,none,0,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,male,47,45-54,middle,primary,self_employed,232.73,6,none,0,388,1,commercial_bank,2280.29,vehicle,education,1,2184.43,0.217,24,110.75,current,not_applicable,moderate_burden
Tanzania,2019,rural,male,59,55+,fourth,primary,unemployed,748.95,1,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,20,18-24,second,primary,self_employed,45.69,6,limited,1,515,1,commercial_bank,2626.91,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2023,urban,female,30,25-34,lowest,primary,self_employed,53.44,8,excellent,1,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,46,45-54,lowest,secondary,farmer,23.88,8,limited,1,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,male,56,55+,second,primary,self_employed,63.69,7,none,1,362,1,commercial_bank,3599.3,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2020,urban,female,51,45-54,highest,tertiary,employed_informal,939.46,8,excellent,0,363,1,sacco,22743.52,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2025,rural,female,56,55+,middle,primary,employed_formal,229.26,10,none,0,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,30,25-34,lowest,secondary,self_employed,67.56,9,none,0,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,21,18-24,lowest,none,self_employed,48.35,2,limited,0,711,1,digital_lender,3302.52,savings,agriculture,1,2814.41,0.475,12,346.0,current,not_applicable,moderate_burden
Tanzania,2019,urban,male,45,35-44,fourth,primary,self_employed,1755.02,2,none,0,451,1,sacco,6702.8,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2020,urban,male,35,25-34,fourth,none,employed_informal,302.37,1,none,1,589,1,commercial_bank,7624.99,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2019,urban,male,65,55+,second,none,employed_formal,206.53,10,none,0,698,1,informal_lender,10471.34,none,emergency,1,9042.52,0.833,48,345.37,late_30_days,not_applicable,moderate_burden
Mozambique,2019,urban,female,18,18-24,lowest,none,employed_informal,128.75,4,none,0,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,61,55+,highest,tertiary,unemployed,1942.9,2,excellent,1,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,53,45-54,highest,primary,unemployed,444.62,5,none,1,738,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,female,31,25-34,middle,secondary,farmer,192.55,7,limited,1,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,20,18-24,middle,tertiary,unemployed,534.83,5,limited,1,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,male,24,18-24,fourth,secondary,employed_formal,585.1,10,none,0,0,1,family_friends,10539.82,vehicle,business,1,10162.21,0.057,48,223.73,late_60_days,not_applicable,moderate_burden
Zambia,2019,rural,male,69,55+,fourth,none,employed_informal,160.84,4,limited,0,231,1,digital_lender,6911.59,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2024,urban,male,20,18-24,highest,secondary,self_employed,1609.99,8,limited,1,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,45,35-44,lowest,secondary,self_employed,42.57,3,limited,0,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,female,60,55+,highest,primary,employed_informal,2237.65,6,limited,0,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,male,33,25-34,highest,primary,farmer,1057.0,5,none,0,429,1,family_friends,28708.38,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2025,urban,male,35,25-34,second,secondary,self_employed,67.74,10,limited,1,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,male,23,18-24,lowest,primary,unemployed,120.19,1,good,1,752,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,68,55+,second,tertiary,unemployed,257.78,2,good,1,807,1,microfinance,12558.4,none,business,1,10251.73,0.293,24,552.23,paid_off,not_applicable,moderate_burden
DRC,2024,urban,male,49,45-54,second,secondary,employed_formal,107.1,8,none,1,0,1,microfinance,2876.48,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2025,urban,male,20,18-24,middle,secondary,farmer,444.29,10,good,1,850,1,informal_lender,6108.76,guarantor,consumption,1,5321.41,0.8,18,532.02,late_30_days,not_applicable,moderate_burden
Mozambique,2019,rural,male,43,35-44,middle,secondary,self_employed,168.91,3,excellent,1,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,20,18-24,fourth,none,employed_informal,275.8,9,limited,1,744,1,commercial_bank,6575.71,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,rural,male,22,18-24,second,secondary,self_employed,59.64,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,22,18-24,second,none,employed_informal,736.1,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,female,39,35-44,middle,secondary,employed_informal,92.85,3,excellent,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,33,25-34,lowest,secondary,self_employed,89.43,4,limited,0,818,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,34,25-34,highest,secondary,farmer,1025.09,1,good,0,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,24,18-24,second,tertiary,self_employed,79.68,8,none,1,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,male,45,35-44,highest,primary,employed_informal,565.8,10,none,1,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,male,35,25-34,fourth,secondary,self_employed,423.19,9,none,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,47,45-54,fourth,secondary,farmer,338.04,3,limited,1,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,male,52,45-54,fourth,primary,farmer,1086.78,8,none,1,86,1,commercial_bank,10069.67,guarantor,consumption,1,9318.73,0.214,36,314.13,current,not_applicable,moderate_burden
Uganda,2025,urban,female,41,35-44,second,primary,employed_formal,255.2,10,good,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,female,36,35-44,lowest,tertiary,self_employed,87.01,8,limited,0,241,1,family_friends,13405.97,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,rural,male,67,55+,lowest,primary,farmer,156.46,5,none,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,18,18-24,middle,none,farmer,687.33,6,limited,0,410,1,family_friends,12907.89,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2022,urban,male,30,25-34,highest,primary,self_employed,667.21,6,limited,1,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,male,48,45-54,middle,secondary,farmer,64.77,5,limited,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,68,55+,lowest,secondary,self_employed,69.85,1,none,0,77,1,family_friends,2061.97,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2019,rural,male,29,25-34,lowest,secondary,unemployed,18.9,5,none,1,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,37,35-44,lowest,primary,unemployed,85.8,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,male,18,18-24,second,none,self_employed,267.43,1,limited,0,11,1,family_friends,7335.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2023,rural,male,35,25-34,fourth,tertiary,self_employed,165.18,3,none,1,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,27,25-34,fourth,primary,self_employed,136.63,3,none,0,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,male,31,25-34,highest,secondary,self_employed,3336.55,6,good,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,67,55+,second,none,employed_formal,224.97,9,none,1,0,1,commercial_bank,2818.46,property,agriculture,1,2290.54,0.175,36,74.73,late_30_days,not_applicable,moderate_burden
Rwanda,2023,rural,female,36,35-44,second,primary,employed_informal,73.7,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,37,35-44,second,none,unemployed,64.66,6,none,1,86,1,commercial_bank,2843.46,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,urban,male,30,25-34,middle,tertiary,farmer,98.33,8,none,0,320,1,family_friends,3627.18,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2021,rural,female,46,45-54,middle,primary,employed_informal,361.26,1,limited,1,32,1,sacco,7612.7,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2023,rural,female,51,45-54,lowest,primary,self_employed,57.9,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,male,45,35-44,middle,tertiary,self_employed,209.08,8,none,1,78,1,commercial_bank,1834.0,vehicle,agriculture,1,1668.54,0.175,12,163.4,current,not_applicable,moderate_burden
Senegal,2021,rural,female,42,35-44,middle,none,employed_informal,748.87,1,none,1,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,51,45-54,second,tertiary,unemployed,43.47,1,none,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,44,35-44,middle,secondary,self_employed,183.92,1,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,62,55+,lowest,primary,unemployed,165.57,4,good,0,498,1,informal_lender,1152.08,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2020,rural,male,59,55+,second,none,employed_informal,283.77,2,good,0,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,62,55+,lowest,tertiary,self_employed,30.04,7,none,0,725,1,family_friends,3597.89,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2023,rural,female,43,35-44,second,primary,employed_informal,23.64,6,none,1,0,1,employer,3059.53,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2023,rural,male,30,25-34,lowest,tertiary,farmer,105.76,3,none,1,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,female,56,55+,fourth,primary,farmer,208.51,4,limited,1,571,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,female,32,25-34,second,secondary,farmer,171.03,1,good,1,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,51,45-54,middle,primary,unemployed,292.65,1,good,1,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,39,35-44,lowest,none,employed_informal,33.97,4,limited,0,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,18,18-24,fourth,none,unemployed,253.26,5,none,1,664,1,informal_lender,11058.97,none,business,1,10944.22,0.833,18,1114.25,late_30_days,not_applicable,moderate_burden
Ghana,2019,urban,male,24,18-24,middle,secondary,employed_informal,499.8,3,limited,0,180,1,digital_lender,11135.39,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2023,urban,female,67,55+,middle,secondary,self_employed,223.84,2,excellent,0,628,1,informal_lender,10721.45,vehicle,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2020,urban,male,22,18-24,middle,primary,employed_formal,135.41,10,limited,0,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,65,55+,second,primary,self_employed,63.61,3,limited,1,297,1,digital_lender,1619.39,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2022,rural,female,25,18-24,middle,none,farmer,111.12,8,none,0,396,1,sacco,3237.13,none,business,1,2947.09,0.321,12,324.36,late_30_days,not_applicable,moderate_burden
Tanzania,2023,rural,female,63,55+,highest,tertiary,self_employed,847.08,6,none,0,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,47,45-54,middle,tertiary,farmer,196.37,7,excellent,1,615,1,commercial_bank,3759.22,guarantor,emergency,1,3106.49,0.206,12,312.11,current,not_applicable,moderate_burden
South Africa,2018,rural,female,50,45-54,second,secondary,employed_informal,130.64,8,none,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,female,46,45-54,lowest,primary,self_employed,178.18,8,none,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,42,35-44,lowest,secondary,farmer,337.85,2,none,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,female,41,35-44,lowest,none,self_employed,98.2,7,good,1,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,31,25-34,second,secondary,employed_formal,178.56,4,good,0,678,1,commercial_bank,3607.41,none,education,1,3405.12,0.174,48,83.27,late_60_days,not_applicable,moderate_burden
Mozambique,2024,rural,male,35,25-34,middle,none,unemployed,247.46,5,limited,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,21,18-24,highest,primary,employed_informal,357.46,9,limited,0,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,urban,female,40,35-44,middle,primary,employed_informal,131.29,10,good,0,340,1,commercial_bank,1740.42,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2019,urban,female,35,25-34,second,primary,self_employed,174.55,9,limited,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,36,35-44,lowest,secondary,employed_informal,77.95,5,none,1,0,1,sacco,4883.83,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2019,rural,male,57,55+,lowest,secondary,farmer,93.95,1,limited,0,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,22,18-24,middle,primary,unemployed,283.56,1,none,0,311,1,informal_lender,8936.07,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2019,urban,male,28,25-34,middle,secondary,unemployed,166.27,2,none,1,478,1,sacco,2171.37,none,housing,1,1841.43,0.316,6,403.86,current,not_applicable,moderate_burden
Malawi,2020,rural,male,48,45-54,lowest,none,unemployed,23.35,1,excellent,0,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,54,45-54,highest,secondary,self_employed,1098.96,3,good,0,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,female,54,45-54,middle,none,farmer,580.75,9,none,1,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,42,35-44,highest,primary,unemployed,764.05,1,none,0,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,65,55+,fourth,primary,self_employed,275.09,5,none,0,68,1,family_friends,3970.37,guarantor,consumption,1,3410.34,0.062,6,603.35,current,not_applicable,moderate_burden
Ethiopia,2025,rural,male,58,55+,fourth,primary,employed_informal,791.34,3,none,1,72,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,male,54,45-54,second,primary,employed_formal,320.1,5,none,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,40,35-44,middle,secondary,employed_informal,116.58,8,none,1,548,1,commercial_bank,4849.39,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2018,rural,male,34,25-34,second,primary,self_employed,178.18,1,good,0,472,1,family_friends,3932.25,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Zambia,2018,urban,male,61,55+,highest,secondary,unemployed,675.54,1,excellent,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,18,18-24,fourth,primary,farmer,179.24,7,good,1,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,55,45-54,middle,primary,unemployed,80.73,4,excellent,1,226,1,microfinance,5306.2,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2018,rural,female,59,55+,lowest,tertiary,farmer,35.71,6,none,0,0,1,family_friends,1628.14,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2021,rural,male,66,55+,second,primary,self_employed,146.48,6,none,0,724,1,family_friends,3360.09,none,business,1,3185.21,0.099,12,291.63,current,not_applicable,moderate_burden
Ethiopia,2018,rural,female,43,35-44,lowest,secondary,employed_informal,185.45,2,excellent,0,850,1,microfinance,6890.79,savings,agriculture,1,5523.59,0.329,12,611.96,current,not_applicable,moderate_burden
Uganda,2024,urban,male,28,25-34,fourth,primary,employed_formal,609.57,10,none,0,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,46,45-54,highest,none,employed_informal,282.16,10,none,0,755,1,microfinance,5498.48,none,agriculture,1,5053.47,0.306,12,549.88,late_30_days,not_applicable,moderate_burden
Rwanda,2020,urban,female,39,35-44,lowest,tertiary,unemployed,45.57,1,good,1,330,1,commercial_bank,3678.62,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2024,rural,male,42,35-44,lowest,secondary,employed_informal,65.73,4,good,1,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,female,51,45-54,middle,none,employed_formal,112.34,10,limited,0,713,1,informal_lender,1718.6,none,housing,1,1514.67,0.795,18,151.02,current,not_applicable,moderate_burden
Ghana,2023,rural,female,22,18-24,second,secondary,self_employed,251.48,3,none,0,728,1,informal_lender,6909.5,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2022,rural,female,26,25-34,middle,none,employed_formal,381.75,9,limited,1,292,1,commercial_bank,12694.69,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2018,rural,female,44,35-44,second,primary,farmer,46.31,8,limited,0,585,1,digital_lender,1877.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2025,rural,male,49,45-54,highest,secondary,employed_informal,2465.33,9,limited,1,431,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,63,55+,fourth,secondary,self_employed,469.62,1,none,1,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,45,35-44,highest,tertiary,self_employed,259.29,5,good,1,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,61,55+,highest,secondary,self_employed,221.1,10,limited,1,627,1,microfinance,2949.84,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2022,urban,female,24,18-24,lowest,secondary,employed_informal,67.49,10,limited,1,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,56,55+,middle,secondary,self_employed,138.11,3,excellent,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,30,25-34,fourth,tertiary,self_employed,226.52,3,limited,0,538,1,informal_lender,1011.59,vehicle,debt_consolidation,1,972.23,0.787,12,144.77,current,not_applicable,moderate_burden
Kenya,2018,urban,male,53,45-54,middle,tertiary,employed_informal,138.41,3,none,1,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,female,37,35-44,second,secondary,employed_informal,178.43,7,none,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,48,45-54,second,none,farmer,77.77,1,none,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,46,45-54,lowest,none,employed_informal,57.64,4,good,0,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,35,25-34,fourth,primary,self_employed,81.04,8,limited,0,657,1,informal_lender,4765.89,none,education,1,4052.99,0.837,18,413.65,current,not_applicable,moderate_burden
Senegal,2025,rural,male,27,25-34,highest,secondary,employed_informal,573.18,6,good,0,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,28,25-34,second,secondary,farmer,133.83,7,none,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,27,25-34,middle,primary,farmer,267.21,6,limited,0,410,1,informal_lender,11543.14,savings,agriculture,1,10990.73,0.846,18,1127.38,late_60_days,not_applicable,moderate_burden
Ethiopia,2023,rural,female,47,45-54,lowest,secondary,employed_formal,20.01,9,none,1,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,50,45-54,highest,primary,farmer,590.15,10,excellent,0,505,1,family_friends,7000.02,none,housing,1,6189.75,0.071,12,552.27,paid_off,not_applicable,moderate_burden
Malawi,2021,urban,male,57,55+,middle,tertiary,farmer,123.81,10,limited,0,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,female,23,18-24,highest,secondary,farmer,441.66,9,excellent,0,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,male,24,18-24,second,secondary,self_employed,140.42,1,none,0,557,1,informal_lender,3408.39,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2025,rural,female,57,55+,fourth,primary,farmer,248.77,7,good,1,297,1,sacco,3091.48,none,agriculture,1,3015.1,0.302,12,327.11,current,not_applicable,moderate_burden
Mozambique,2023,rural,female,57,55+,lowest,tertiary,unemployed,31.54,6,limited,1,544,1,sacco,2694.18,guarantor,debt_consolidation,1,2670.41,0.342,18,199.11,paid_off,not_applicable,moderate_burden
Ghana,2024,rural,female,48,45-54,highest,secondary,self_employed,1422.57,3,none,1,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,24,18-24,second,secondary,self_employed,81.43,10,none,0,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,57,55+,middle,none,employed_formal,211.24,9,none,1,645,1,microfinance,1737.66,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2024,rural,female,69,55+,fourth,secondary,unemployed,339.04,1,none,0,0,1,commercial_bank,6824.09,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2023,urban,female,30,25-34,middle,secondary,employed_informal,187.83,10,limited,1,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,male,49,45-54,second,none,unemployed,130.75,4,limited,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,64,55+,fourth,none,self_employed,252.2,2,none,1,44,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,45,35-44,middle,secondary,self_employed,216.57,1,good,1,489,1,family_friends,1628.2,none,emergency,1,1492.74,0.046,36,43.39,current,not_applicable,moderate_burden
Rwanda,2020,urban,female,44,35-44,highest,primary,self_employed,452.89,6,limited,0,706,1,employer,11303.46,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2021,rural,female,56,55+,lowest,tertiary,employed_formal,26.05,10,none,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,36,35-44,second,primary,employed_informal,72.41,10,none,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,female,46,45-54,highest,secondary,self_employed,2146.49,2,none,0,798,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,33,25-34,middle,primary,employed_formal,542.99,10,good,0,531,1,family_friends,4344.37,none,consumption,1,3779.9,0.021,12,321.73,current,not_applicable,moderate_burden
Malawi,2019,urban,male,61,55+,second,secondary,unemployed,598.75,1,none,0,0,1,microfinance,7864.2,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2023,rural,male,68,55+,lowest,none,self_employed,17.33,2,limited,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,23,18-24,highest,tertiary,self_employed,1242.85,2,none,1,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,female,40,35-44,middle,secondary,self_employed,323.8,5,limited,0,410,1,informal_lender,4234.17,none,education,1,4163.26,0.793,36,207.37,paid_off,not_applicable,moderate_burden
Niger,2022,rural,female,41,35-44,middle,primary,farmer,261.71,1,good,1,493,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,27,25-34,middle,none,unemployed,213.52,1,none,1,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,69,55+,highest,primary,farmer,1077.21,9,none,1,738,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,27,25-34,lowest,none,employed_informal,21.78,9,good,1,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,male,41,35-44,second,primary,employed_informal,53.66,9,limited,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,37,35-44,lowest,secondary,self_employed,30.33,9,none,0,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,female,28,25-34,lowest,none,farmer,118.25,10,none,0,208,1,family_friends,1460.04,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2021,rural,male,64,55+,highest,secondary,self_employed,645.23,6,excellent,0,850,1,microfinance,1889.91,savings,education,1,1512.08,0.28,18,107.5,current,not_applicable,moderate_burden
South Africa,2018,urban,female,47,45-54,lowest,primary,self_employed,59.34,3,limited,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,45,35-44,highest,secondary,employed_formal,1328.29,8,none,1,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,69,55+,fourth,secondary,employed_formal,239.67,10,none,1,126,1,digital_lender,6917.17,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2024,rural,male,44,35-44,fourth,primary,self_employed,1600.41,7,limited,1,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,39,35-44,second,primary,unemployed,141.52,3,limited,0,835,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,male,21,18-24,lowest,tertiary,farmer,36.44,3,good,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,61,55+,lowest,tertiary,farmer,54.17,4,limited,0,184,1,digital_lender,1490.32,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2021,rural,male,36,35-44,lowest,none,employed_formal,92.99,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,male,44,35-44,second,secondary,employed_informal,81.64,4,good,1,233,1,commercial_bank,4149.09,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,rural,female,43,35-44,middle,primary,self_employed,344.17,1,none,1,332,1,commercial_bank,9072.51,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2019,rural,male,49,45-54,lowest,primary,self_employed,32.09,2,good,1,670,1,commercial_bank,1392.19,property,agriculture,1,1303.86,0.225,12,133.12,current,not_applicable,moderate_burden
Senegal,2024,urban,male,62,55+,lowest,none,employed_informal,164.46,8,none,0,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,male,31,25-34,lowest,primary,unemployed,36.04,6,none,0,725,1,microfinance,1817.06,guarantor,consumption,1,1788.92,0.296,24,96.62,late_30_days,not_applicable,moderate_burden
Nigeria,2020,rural,male,55,45-54,second,primary,employed_informal,315.01,4,limited,0,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,47,45-54,second,none,farmer,92.62,2,good,1,726,1,digital_lender,6465.81,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2018,rural,male,50,45-54,highest,tertiary,self_employed,352.18,7,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,61,55+,second,tertiary,employed_informal,200.54,1,none,0,6,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,38,35-44,highest,secondary,unemployed,204.76,1,none,0,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,18,18-24,second,secondary,self_employed,217.07,1,limited,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,male,40,35-44,lowest,tertiary,farmer,41.85,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,28,25-34,highest,none,employed_informal,217.62,6,none,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,25,18-24,middle,tertiary,farmer,55.33,9,none,0,0,1,informal_lender,1675.29,guarantor,agriculture,1,1437.79,0.776,18,141.87,current,not_applicable,moderate_burden
Senegal,2024,rural,female,38,35-44,highest,primary,employed_formal,552.41,10,limited,1,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,male,31,25-34,lowest,primary,employed_formal,52.03,9,none,1,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,65,55+,lowest,none,self_employed,216.39,3,good,1,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,28,25-34,highest,primary,employed_formal,645.05,10,none,0,510,1,informal_lender,19184.91,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2020,urban,male,68,55+,lowest,secondary,employed_informal,116.24,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,male,54,45-54,fourth,secondary,self_employed,241.22,2,limited,1,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,20,18-24,middle,none,farmer,241.5,1,none,0,444,1,informal_lender,3511.0,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2022,urban,female,54,45-54,middle,tertiary,employed_formal,292.33,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,38,35-44,fourth,none,farmer,567.5,10,limited,1,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,65,55+,highest,tertiary,self_employed,1294.85,1,none,0,139,1,family_friends,17862.55,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2020,urban,female,18,18-24,second,secondary,employed_informal,84.05,9,none,0,218,1,informal_lender,2910.3,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2019,rural,female,42,35-44,highest,none,farmer,857.98,1,limited,1,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,37,35-44,middle,secondary,employed_informal,69.33,5,good,0,479,1,informal_lender,3155.94,none,consumption,1,3072.75,0.842,6,943.48,current,not_applicable,moderate_burden
Kenya,2022,urban,female,60,55+,fourth,primary,employed_informal,1283.49,6,none,0,635,1,informal_lender,6538.58,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2023,rural,female,38,35-44,middle,primary,self_employed,173.66,1,none,0,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,66,55+,lowest,secondary,self_employed,158.94,8,none,0,478,1,family_friends,3336.55,savings,education,1,3056.83,0.056,12,269.03,current,not_applicable,moderate_burden
Senegal,2018,urban,female,57,55+,fourth,none,employed_informal,337.74,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,21,18-24,fourth,secondary,self_employed,448.34,3,good,0,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,24,18-24,second,secondary,employed_informal,128.26,5,none,1,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,53,45-54,fourth,tertiary,self_employed,1150.74,8,good,1,464,1,microfinance,6270.82,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2025,rural,male,35,25-34,second,tertiary,self_employed,82.91,3,none,1,713,1,commercial_bank,2670.73,none,business,1,2274.85,0.141,12,216.3,current,not_applicable,moderate_burden
Tanzania,2024,rural,female,50,45-54,middle,tertiary,unemployed,175.2,1,good,0,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,55,45-54,middle,secondary,employed_formal,705.32,9,limited,0,157,1,family_friends,4781.38,none,emergency,1,4744.62,0.029,12,406.9,current,not_applicable,moderate_burden
Ghana,2018,urban,male,64,55+,middle,none,employed_informal,752.71,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,47,45-54,lowest,secondary,employed_formal,99.25,7,none,1,0,1,commercial_bank,3223.87,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2019,urban,male,26,25-34,middle,tertiary,employed_informal,495.19,7,good,0,463,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,20,18-24,highest,secondary,self_employed,256.58,7,none,0,762,1,microfinance,6271.98,vehicle,education,1,5074.96,0.326,12,560.66,current,not_applicable,moderate_burden
Kenya,2018,urban,female,52,45-54,fourth,secondary,employed_formal,475.28,6,none,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,42,35-44,middle,secondary,self_employed,152.24,6,none,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,male,59,55+,lowest,secondary,self_employed,34.61,10,limited,1,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,46,45-54,fourth,secondary,employed_informal,224.98,1,none,1,232,1,microfinance,2063.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2019,urban,female,24,18-24,fourth,secondary,unemployed,306.39,2,limited,1,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,55,45-54,second,tertiary,farmer,62.15,10,none,0,675,1,informal_lender,7120.21,none,consumption,1,6799.37,0.789,24,506.75,defaulted,not_applicable,moderate_burden
Rwanda,2019,rural,female,63,55+,lowest,secondary,unemployed,53.39,1,limited,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,37,35-44,middle,none,self_employed,57.85,6,good,0,850,1,sacco,1950.48,equipment,business,1,1874.76,0.325,24,103.53,current,not_applicable,moderate_burden
Ghana,2018,rural,male,60,55+,lowest,secondary,self_employed,96.19,9,none,1,307,1,sacco,1170.03,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2018,rural,male,61,55+,fourth,none,farmer,272.01,7,limited,1,571,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,female,59,55+,second,primary,employed_formal,127.39,10,limited,0,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,18,18-24,fourth,secondary,employed_informal,519.36,1,limited,1,235,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,female,23,18-24,fourth,none,self_employed,1151.38,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,49,45-54,middle,secondary,farmer,301.39,8,limited,1,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,55,45-54,middle,secondary,unemployed,72.33,4,good,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,69,55+,middle,primary,unemployed,389.7,4,good,1,409,1,commercial_bank,6397.85,property,agriculture,1,5764.07,0.18,18,377.93,current,not_applicable,moderate_burden
DRC,2020,rural,male,46,45-54,second,none,farmer,134.33,1,none,1,55,1,microfinance,4782.12,savings,business,1,3841.44,0.277,12,408.87,current,not_applicable,moderate_burden
Ghana,2021,urban,female,28,25-34,highest,primary,employed_formal,656.0,10,none,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,56,55+,fourth,primary,employed_informal,1778.74,2,limited,0,148,1,microfinance,11237.68,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2023,rural,male,40,35-44,middle,tertiary,employed_formal,39.82,10,none,0,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,male,67,55+,lowest,secondary,farmer,73.99,1,limited,1,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,female,68,55+,second,tertiary,self_employed,501.82,2,none,0,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,20,18-24,middle,secondary,self_employed,2000.36,2,limited,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,59,55+,middle,tertiary,farmer,284.84,6,none,1,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,69,55+,lowest,secondary,farmer,20.95,10,good,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,35,25-34,lowest,secondary,employed_informal,60.71,1,none,0,386,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,60,55+,middle,none,self_employed,255.94,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,43,35-44,fourth,secondary,self_employed,452.58,1,none,0,690,1,sacco,4275.36,guarantor,agriculture,1,3701.02,0.32,12,407.24,current,not_applicable,moderate_burden
Malawi,2023,rural,male,20,18-24,second,secondary,employed_formal,267.56,10,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,57,55+,fourth,secondary,self_employed,598.33,9,limited,1,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,51,45-54,lowest,tertiary,unemployed,154.02,4,limited,1,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,male,32,25-34,second,primary,employed_formal,133.14,7,none,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,48,45-54,fourth,secondary,farmer,1122.24,6,limited,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,35,25-34,lowest,none,self_employed,32.56,1,limited,0,137,1,commercial_bank,3757.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2025,rural,male,19,18-24,highest,none,employed_informal,315.73,2,none,0,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,36,35-44,second,primary,self_employed,175.77,1,excellent,1,352,1,microfinance,4360.0,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2018,rural,male,20,18-24,middle,primary,self_employed,32.12,5,good,0,702,1,commercial_bank,925.15,none,agriculture,1,807.27,0.191,18,53.4,current,not_applicable,moderate_burden
Mali,2020,rural,male,63,55+,highest,secondary,self_employed,482.65,2,limited,1,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,57,55+,fourth,primary,employed_informal,1853.6,7,none,0,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,27,25-34,second,primary,employed_informal,392.27,5,none,0,134,1,commercial_bank,3674.06,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2023,rural,male,20,18-24,lowest,secondary,unemployed,176.19,2,none,1,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,34,25-34,lowest,none,employed_formal,125.68,10,none,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,female,36,35-44,second,secondary,employed_informal,722.44,10,none,0,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,male,61,55+,second,secondary,self_employed,61.0,6,limited,1,597,1,digital_lender,4218.02,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2024,urban,female,26,25-34,lowest,primary,self_employed,128.93,10,none,0,215,1,sacco,6560.61,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2020,rural,male,53,45-54,middle,primary,self_employed,208.49,5,none,1,390,1,informal_lender,2316.18,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2021,rural,female,52,45-54,highest,none,farmer,596.47,1,none,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,33,25-34,fourth,tertiary,self_employed,937.71,7,none,0,679,1,informal_lender,8146.17,savings,business,1,7357.88,0.841,24,564.5,current,not_applicable,moderate_burden
Niger,2022,urban,female,52,45-54,middle,tertiary,unemployed,269.0,5,limited,1,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,female,34,25-34,second,secondary,farmer,92.62,8,excellent,0,850,1,microfinance,5249.89,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2018,rural,female,31,25-34,lowest,none,self_employed,78.81,3,good,1,364,1,family_friends,1459.97,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2025,rural,male,44,35-44,second,secondary,employed_informal,399.69,9,limited,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,21,18-24,fourth,secondary,self_employed,260.58,4,good,0,156,1,family_friends,2856.11,savings,consumption,1,2326.08,0.077,6,417.49,current,not_applicable,moderate_burden
Nigeria,2020,urban,female,29,25-34,highest,secondary,employed_informal,500.08,6,none,1,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,60,55+,middle,secondary,employed_formal,146.09,6,good,1,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,33,25-34,lowest,none,employed_formal,170.13,10,good,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,23,18-24,second,none,self_employed,137.4,10,none,1,273,1,informal_lender,5380.11,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Niger,2021,rural,female,69,55+,fourth,tertiary,unemployed,703.94,5,limited,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,20,18-24,middle,secondary,self_employed,127.31,10,none,1,0,1,microfinance,3145.71,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2022,urban,male,50,45-54,lowest,secondary,self_employed,35.71,9,excellent,0,252,1,microfinance,1772.58,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2021,urban,female,23,18-24,middle,primary,unemployed,501.5,1,none,1,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,20,18-24,fourth,none,employed_informal,340.93,8,good,1,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,18,18-24,second,primary,self_employed,63.66,7,good,1,537,1,informal_lender,3286.2,guarantor,business,1,2781.14,0.816,18,280.6,current,not_applicable,moderate_burden
DRC,2025,rural,female,65,55+,lowest,none,self_employed,189.32,8,limited,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,male,24,18-24,lowest,none,employed_formal,66.56,9,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,22,18-24,highest,secondary,employed_formal,665.19,8,none,0,369,1,informal_lender,10952.94,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2019,rural,female,42,35-44,second,tertiary,farmer,113.33,4,limited,0,723,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,41,35-44,lowest,secondary,unemployed,98.67,1,limited,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,36,35-44,fourth,secondary,self_employed,725.02,5,none,0,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,27,25-34,fourth,secondary,self_employed,455.33,8,excellent,0,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,urban,male,65,55+,middle,primary,employed_formal,200.86,10,limited,0,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,female,65,55+,fourth,secondary,employed_informal,525.04,4,limited,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,female,61,55+,middle,tertiary,unemployed,172.1,6,limited,1,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,25,18-24,lowest,none,employed_formal,47.84,10,limited,0,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,52,45-54,fourth,none,self_employed,326.02,9,excellent,0,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,male,49,45-54,second,primary,farmer,102.67,3,none,0,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,male,53,45-54,second,tertiary,self_employed,175.29,6,good,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,52,45-54,highest,secondary,employed_formal,100.73,8,limited,0,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,25,18-24,second,primary,employed_informal,97.22,4,good,1,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,45,35-44,lowest,tertiary,unemployed,61.48,1,none,0,482,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,55,45-54,fourth,tertiary,self_employed,392.99,4,excellent,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,male,28,25-34,fourth,secondary,self_employed,241.95,8,limited,0,297,1,informal_lender,2043.97,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2018,urban,male,29,25-34,middle,tertiary,unemployed,186.7,6,excellent,1,683,1,microfinance,15877.16,none,asset_purchase,1,13776.71,0.271,24,729.86,paid_off,not_applicable,moderate_burden
Nigeria,2022,urban,male,55,45-54,lowest,secondary,self_employed,120.88,9,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,male,20,18-24,fourth,primary,self_employed,503.66,8,limited,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,31,25-34,middle,none,unemployed,51.91,4,none,0,236,1,digital_lender,529.92,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2020,urban,male,53,45-54,lowest,primary,self_employed,70.91,9,limited,0,521,1,microfinance,10876.52,property,education,1,9871.98,0.312,24,539.58,current,not_applicable,moderate_burden
Ghana,2025,rural,male,55,45-54,second,none,self_employed,56.37,6,limited,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,male,27,25-34,highest,secondary,unemployed,902.04,3,none,0,312,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,65,55+,second,tertiary,farmer,134.62,7,excellent,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,57,55+,lowest,primary,farmer,105.65,6,none,0,234,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,28,25-34,middle,secondary,self_employed,432.56,7,none,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,39,35-44,lowest,secondary,unemployed,197.13,1,limited,1,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,female,67,55+,middle,primary,farmer,233.68,3,limited,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,female,28,25-34,middle,secondary,farmer,515.79,5,none,0,343,1,family_friends,7146.95,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2024,urban,female,26,25-34,second,primary,employed_informal,126.28,10,none,1,202,1,informal_lender,3531.05,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2023,urban,male,28,25-34,fourth,tertiary,employed_formal,153.12,10,limited,0,306,1,sacco,3147.36,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2020,urban,male,45,35-44,lowest,none,employed_formal,111.61,10,good,1,636,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,male,58,55+,lowest,primary,employed_informal,218.58,2,limited,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,female,54,45-54,second,secondary,farmer,74.74,6,limited,0,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,female,54,45-54,middle,none,self_employed,79.62,1,limited,1,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,female,56,55+,highest,tertiary,self_employed,826.87,8,good,1,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,urban,male,48,45-54,lowest,tertiary,employed_informal,328.32,8,none,0,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,43,35-44,highest,tertiary,farmer,2801.68,5,none,0,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,58,55+,second,none,employed_informal,148.65,10,none,0,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,25,18-24,lowest,secondary,farmer,162.4,1,none,1,184,1,microfinance,7068.31,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2024,urban,female,45,35-44,lowest,secondary,farmer,98.13,4,limited,1,94,1,microfinance,1673.36,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2024,urban,female,30,25-34,fourth,tertiary,farmer,1947.43,8,none,0,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,23,18-24,lowest,secondary,self_employed,82.09,9,excellent,0,431,1,sacco,4717.63,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2019,rural,male,65,55+,lowest,none,employed_formal,72.23,7,limited,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,male,65,55+,second,secondary,employed_formal,190.23,9,limited,1,773,1,commercial_bank,3632.39,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2020,rural,female,57,55+,highest,secondary,farmer,1395.56,3,none,0,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,female,64,55+,fourth,secondary,self_employed,220.68,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,53,45-54,fourth,none,employed_formal,810.49,10,limited,1,727,1,microfinance,10397.07,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2025,urban,male,27,25-34,second,none,employed_formal,76.3,10,excellent,0,606,1,commercial_bank,2040.59,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2019,rural,female,43,35-44,highest,secondary,farmer,776.51,8,none,0,277,1,informal_lender,26361.72,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,urban,female,61,55+,lowest,primary,employed_formal,77.56,5,none,1,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,urban,female,29,25-34,highest,secondary,employed_informal,443.64,5,none,1,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,female,36,35-44,middle,primary,self_employed,277.9,7,limited,0,87,1,employer,3540.44,vehicle,business,1,3038.7,0.065,18,179.81,late_60_days,not_applicable,moderate_burden
Ghana,2024,rural,male,28,25-34,middle,tertiary,self_employed,149.96,10,good,0,820,1,microfinance,2349.4,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2020,urban,male,30,25-34,second,secondary,self_employed,357.16,8,limited,0,376,1,informal_lender,4196.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2019,rural,female,69,55+,lowest,none,employed_informal,30.17,6,good,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,45,35-44,second,primary,unemployed,27.76,2,limited,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,49,45-54,middle,tertiary,employed_formal,237.07,6,none,1,301,1,commercial_bank,2370.85,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,urban,female,54,45-54,second,primary,employed_informal,84.0,1,none,0,479,1,family_friends,5096.32,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2024,rural,female,27,25-34,lowest,primary,farmer,202.2,3,limited,0,513,1,informal_lender,2377.19,equipment,business,1,1960.55,0.812,18,197.36,paid_off,not_applicable,moderate_burden
Ethiopia,2023,urban,female,45,35-44,middle,secondary,self_employed,146.38,1,good,0,850,1,commercial_bank,7052.61,none,business,1,6515.04,0.186,18,429.19,paid_off,not_applicable,moderate_burden
DRC,2025,rural,female,21,18-24,fourth,primary,self_employed,442.28,9,limited,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,66,55+,middle,primary,farmer,292.43,7,good,1,271,1,microfinance,4946.31,savings,consumption,1,4496.02,0.347,24,252.4,current,not_applicable,moderate_burden
Malawi,2019,rural,male,52,45-54,lowest,secondary,unemployed,76.0,1,none,0,0,1,family_friends,2153.82,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2020,rural,male,58,55+,highest,secondary,self_employed,3644.1,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,55,45-54,fourth,secondary,employed_informal,254.87,1,none,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,24,18-24,second,none,self_employed,115.71,5,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,female,20,18-24,fourth,secondary,employed_formal,688.72,8,excellent,1,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,male,64,55+,middle,tertiary,unemployed,88.79,3,limited,0,10,1,informal_lender,3679.78,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2019,rural,male,62,55+,highest,primary,employed_informal,703.43,8,good,1,850,1,commercial_bank,10721.81,none,business,1,8666.57,0.184,6,1710.49,late_60_days,not_applicable,moderate_burden
South Africa,2020,urban,female,22,18-24,highest,secondary,farmer,462.17,5,none,0,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,male,26,25-34,highest,secondary,employed_informal,1672.74,8,good,0,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,49,45-54,fourth,tertiary,farmer,241.06,9,none,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,43,35-44,second,tertiary,unemployed,348.12,1,excellent,1,622,1,commercial_bank,2573.87,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2021,rural,female,28,25-34,second,secondary,self_employed,69.35,3,limited,0,79,1,digital_lender,1351.78,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2023,rural,female,22,18-24,second,primary,self_employed,142.36,9,limited,1,304,1,digital_lender,10089.31,none,education,1,8880.45,0.453,12,1075.06,defaulted,not_applicable,moderate_burden
Rwanda,2018,rural,male,21,18-24,fourth,none,self_employed,251.54,3,none,1,100,1,commercial_bank,972.03,savings,business,1,805.46,0.142,18,51.11,late_60_days,not_applicable,moderate_burden
South Africa,2020,rural,male,25,18-24,lowest,primary,employed_formal,63.15,7,none,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,55,45-54,middle,secondary,employed_informal,101.1,10,none,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,65,55+,middle,secondary,self_employed,536.61,10,none,1,149,1,digital_lender,3407.67,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2020,rural,female,26,25-34,second,tertiary,employed_informal,46.93,10,none,1,516,1,informal_lender,2551.16,guarantor,consumption,1,2388.22,0.833,48,91.19,late_30_days,not_applicable,moderate_burden
Malawi,2024,rural,female,52,45-54,second,none,employed_informal,125.1,6,none,1,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,29,25-34,lowest,tertiary,employed_informal,160.69,3,good,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,57,55+,fourth,secondary,farmer,416.75,3,none,0,403,1,informal_lender,6041.55,guarantor,business,1,5180.15,0.784,6,1539.97,late_30_days,not_applicable,moderate_burden
Uganda,2023,rural,male,24,18-24,fourth,primary,farmer,155.41,10,none,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,male,28,25-34,second,tertiary,self_employed,64.87,1,limited,0,281,1,commercial_bank,6667.72,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2025,urban,male,64,55+,second,secondary,self_employed,243.14,4,limited,1,6,1,microfinance,4838.33,savings,housing,1,4637.47,0.303,18,335.75,current,not_applicable,moderate_burden
Mozambique,2023,rural,female,52,45-54,lowest,tertiary,self_employed,32.29,5,none,0,354,1,microfinance,3217.38,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2018,urban,female,64,55+,second,tertiary,employed_informal,562.1,4,good,1,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,female,27,25-34,fourth,primary,employed_informal,750.15,10,none,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,female,23,18-24,second,secondary,self_employed,62.63,3,none,0,690,1,microfinance,6365.78,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Kenya,2019,rural,male,26,25-34,second,tertiary,employed_informal,60.39,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,45,35-44,second,secondary,employed_informal,280.87,2,none,1,0,1,microfinance,3333.52,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2019,rural,male,34,25-34,middle,secondary,self_employed,263.0,8,none,0,658,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,40,35-44,middle,primary,self_employed,71.83,4,limited,0,778,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,51,45-54,highest,primary,self_employed,1343.58,5,limited,0,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,66,55+,lowest,primary,self_employed,12.16,10,good,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,40,35-44,middle,primary,self_employed,214.82,8,excellent,0,567,1,informal_lender,3362.94,savings,education,1,3249.76,0.767,24,239.21,current,not_applicable,moderate_burden
Mali,2022,urban,male,58,55+,lowest,tertiary,farmer,72.79,2,limited,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,62,55+,lowest,secondary,self_employed,124.65,4,none,1,606,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,66,55+,lowest,secondary,employed_formal,94.99,4,none,1,475,1,sacco,7614.31,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2018,rural,female,56,55+,second,primary,employed_formal,85.34,4,none,1,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,40,35-44,second,secondary,farmer,52.17,4,none,1,74,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,21,18-24,lowest,tertiary,employed_informal,72.68,7,excellent,1,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,male,34,25-34,second,secondary,farmer,119.11,2,none,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,39,35-44,second,none,employed_formal,474.37,9,none,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,44,35-44,second,secondary,self_employed,204.08,2,none,0,150,1,family_friends,2731.3,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2020,rural,male,24,18-24,fourth,secondary,farmer,237.47,5,limited,0,476,1,digital_lender,7849.6,property,business,1,7136.73,0.478,18,586.05,current,not_applicable,moderate_burden
Nigeria,2022,urban,male,61,55+,lowest,primary,self_employed,299.35,8,limited,0,591,1,informal_lender,1698.21,none,consumption,1,1584.63,0.762,12,232.69,late_60_days,not_applicable,moderate_burden
Rwanda,2024,urban,male,30,25-34,middle,secondary,employed_informal,268.0,3,limited,0,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,38,35-44,fourth,primary,employed_formal,141.44,9,limited,1,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,26,25-34,second,primary,self_employed,402.0,6,limited,1,96,1,sacco,4263.79,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2021,rural,female,25,18-24,lowest,none,unemployed,106.2,1,limited,0,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,63,55+,fourth,secondary,employed_informal,310.46,3,none,0,221,1,family_friends,5239.44,none,asset_purchase,1,4645.69,0.066,12,412.68,defaulted,not_applicable,moderate_burden
DRC,2023,urban,male,67,55+,highest,secondary,self_employed,1406.42,8,none,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,42,35-44,lowest,none,employed_formal,103.48,10,none,1,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,male,63,55+,second,none,farmer,230.44,10,none,1,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,21,18-24,highest,tertiary,employed_formal,437.88,4,none,1,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,57,55+,middle,primary,employed_informal,373.47,8,excellent,0,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,55,45-54,lowest,primary,employed_informal,76.78,2,limited,1,358,1,sacco,1970.95,property,consumption,1,1679.83,0.309,6,366.41,defaulted,not_applicable,moderate_burden
DRC,2020,rural,male,50,45-54,middle,tertiary,self_employed,41.61,5,none,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,38,35-44,fourth,none,unemployed,374.99,3,none,1,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,male,60,55+,lowest,secondary,self_employed,173.65,6,limited,0,522,1,microfinance,2653.21,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2021,rural,male,24,18-24,highest,secondary,employed_formal,460.42,10,excellent,1,296,1,commercial_bank,5648.93,none,emergency,1,4867.03,0.218,18,329.43,defaulted,not_applicable,moderate_burden
Zambia,2018,rural,male,21,18-24,lowest,secondary,self_employed,96.29,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,29,25-34,lowest,secondary,employed_informal,54.41,2,none,0,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,female,46,45-54,middle,none,self_employed,161.68,4,limited,1,84,1,family_friends,3854.28,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2020,rural,female,56,55+,second,tertiary,self_employed,109.33,5,limited,1,360,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,27,25-34,fourth,secondary,employed_informal,242.32,10,good,0,662,1,family_friends,10531.04,guarantor,business,1,8446.53,0.067,18,500.79,current,not_applicable,moderate_burden
South Africa,2022,rural,male,50,45-54,second,none,farmer,73.67,9,good,1,749,1,microfinance,3823.28,none,business,1,3728.09,0.27,36,131.56,paid_off,not_applicable,moderate_burden
DRC,2021,urban,female,64,55+,second,primary,self_employed,273.3,8,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,female,39,35-44,highest,primary,farmer,1201.5,5,limited,0,850,1,informal_lender,15592.07,none,agriculture,1,12541.8,0.767,12,1846.53,late_60_days,not_applicable,moderate_burden
South Africa,2019,rural,male,28,25-34,fourth,primary,employed_formal,1399.39,5,limited,1,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,25,18-24,second,secondary,employed_informal,364.94,2,none,1,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,56,55+,second,none,self_employed,78.51,6,good,0,135,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,female,62,55+,middle,tertiary,self_employed,693.71,4,limited,0,812,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,66,55+,lowest,secondary,unemployed,29.83,1,none,1,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,male,22,18-24,highest,secondary,farmer,403.52,7,none,0,307,1,commercial_bank,2752.06,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2019,rural,male,63,55+,highest,none,self_employed,3343.87,1,good,0,850,1,family_friends,5356.1,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2018,urban,female,37,35-44,lowest,none,farmer,50.83,6,excellent,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,female,41,35-44,middle,primary,employed_informal,404.72,2,none,1,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,female,43,35-44,highest,secondary,employed_informal,951.0,6,none,0,314,1,family_friends,9253.02,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2020,urban,male,28,25-34,second,primary,employed_informal,500.64,2,none,0,320,1,informal_lender,38713.73,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2021,rural,female,44,35-44,fourth,tertiary,employed_formal,633.73,9,limited,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,34,25-34,second,primary,employed_informal,211.13,9,none,0,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,40,35-44,middle,secondary,farmer,396.61,1,excellent,1,375,1,commercial_bank,3375.38,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2018,urban,female,62,55+,fourth,secondary,self_employed,318.02,3,limited,0,527,1,employer,5889.66,none,education,1,5570.99,0.093,12,507.45,current,not_applicable,moderate_burden
Malawi,2018,rural,male,26,25-34,lowest,none,farmer,36.33,6,limited,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,62,55+,middle,tertiary,unemployed,314.06,1,limited,0,33,1,sacco,9931.28,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,rural,male,41,35-44,lowest,tertiary,employed_informal,46.77,9,limited,1,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,male,31,25-34,fourth,tertiary,farmer,1059.22,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,female,34,25-34,second,secondary,self_employed,54.2,7,good,0,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,22,18-24,fourth,secondary,unemployed,259.83,1,none,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,22,18-24,middle,secondary,employed_informal,200.4,8,excellent,0,850,1,microfinance,2596.63,none,education,1,2565.5,0.337,6,571.67,late_30_days,not_applicable,moderate_burden
Mali,2018,urban,male,53,45-54,highest,secondary,farmer,3484.66,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,female,59,55+,lowest,primary,employed_informal,218.2,8,none,0,703,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,69,55+,middle,none,self_employed,236.8,4,limited,1,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,female,54,45-54,middle,primary,employed_informal,293.24,8,good,0,463,1,family_friends,4591.5,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2025,rural,male,46,45-54,fourth,secondary,self_employed,213.9,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,23,18-24,lowest,tertiary,unemployed,132.38,1,none,1,488,1,commercial_bank,2865.92,vehicle,agriculture,1,2766.32,0.217,12,280.59,current,not_applicable,moderate_burden
Nigeria,2018,urban,female,51,45-54,lowest,tertiary,employed_formal,137.79,6,limited,1,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,35,25-34,second,tertiary,self_employed,223.7,2,none,0,104,1,microfinance,5836.39,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2021,rural,male,59,55+,second,secondary,employed_informal,51.71,5,none,1,0,1,commercial_bank,1871.46,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2022,urban,male,49,45-54,fourth,secondary,self_employed,199.25,7,good,0,808,1,sacco,7342.89,property,debt_consolidation,1,7325.6,0.364,18,555.06,paid_off,not_applicable,moderate_burden
Ethiopia,2019,urban,male,57,55+,fourth,primary,self_employed,313.15,6,limited,0,776,1,informal_lender,3679.64,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2019,urban,female,26,25-34,highest,primary,farmer,1023.74,1,none,1,620,1,commercial_bank,15749.02,savings,emergency,1,13257.36,0.184,12,1308.14,current,not_applicable,moderate_burden
Uganda,2022,urban,female,23,18-24,middle,secondary,employed_informal,178.9,2,limited,1,51,1,informal_lender,1907.08,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2025,rural,male,21,18-24,second,secondary,self_employed,65.77,8,limited,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,male,43,35-44,second,secondary,farmer,125.85,2,good,1,99,1,commercial_bank,10169.68,property,business,1,9284.18,0.133,24,438.36,current,not_applicable,moderate_burden
Ghana,2022,urban,male,25,18-24,lowest,secondary,employed_formal,45.46,10,limited,0,675,1,commercial_bank,3680.88,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,rural,female,38,35-44,highest,tertiary,employed_informal,1228.99,9,none,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,34,25-34,fourth,secondary,farmer,382.58,9,none,1,480,1,commercial_bank,3683.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2018,rural,female,41,35-44,fourth,tertiary,farmer,688.01,6,limited,0,384,1,informal_lender,3349.32,none,agriculture,1,3292.3,0.849,18,338.25,current,not_applicable,moderate_burden
Niger,2025,rural,female,42,35-44,lowest,tertiary,farmer,107.65,2,limited,0,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,male,21,18-24,highest,secondary,unemployed,719.31,1,none,1,387,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,male,23,18-24,middle,primary,employed_formal,172.74,10,limited,1,36,1,commercial_bank,1736.31,guarantor,education,1,1509.04,0.162,24,73.06,current,not_applicable,moderate_burden
Rwanda,2023,rural,male,33,25-34,lowest,primary,employed_formal,41.77,10,none,0,327,1,family_friends,2914.59,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2022,urban,female,51,45-54,lowest,primary,unemployed,98.32,2,limited,0,847,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,male,35,25-34,highest,primary,self_employed,775.75,3,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,64,55+,lowest,secondary,unemployed,126.73,1,limited,0,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,42,35-44,lowest,tertiary,self_employed,54.47,4,good,1,276,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,57,55+,lowest,tertiary,employed_informal,148.19,1,none,0,338,1,sacco,2032.03,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2020,rural,male,47,45-54,lowest,primary,self_employed,122.0,5,good,1,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,male,68,55+,fourth,secondary,farmer,134.2,2,limited,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,urban,male,35,25-34,middle,tertiary,employed_informal,423.92,9,none,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,63,55+,second,secondary,self_employed,55.47,6,none,0,156,1,microfinance,4618.52,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2018,urban,male,31,25-34,middle,primary,employed_informal,141.71,9,excellent,0,328,1,family_friends,2885.66,none,education,1,2794.74,0.082,12,251.96,current,not_applicable,moderate_burden
Rwanda,2018,urban,male,53,45-54,second,tertiary,self_employed,165.08,10,limited,1,666,1,sacco,4235.0,none,business,1,3764.38,0.369,12,429.61,current,not_applicable,moderate_burden
Nigeria,2018,urban,male,69,55+,lowest,secondary,employed_formal,85.03,7,none,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,59,55+,highest,secondary,employed_formal,2035.99,10,none,0,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,66,55+,lowest,secondary,farmer,154.59,9,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,66,55+,second,none,self_employed,239.1,7,limited,1,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,male,48,45-54,fourth,secondary,self_employed,624.76,4,none,1,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,female,31,25-34,fourth,primary,farmer,166.17,6,excellent,1,483,1,commercial_bank,2002.39,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2024,urban,female,36,35-44,fourth,none,farmer,879.78,2,limited,0,746,1,family_friends,6039.38,none,business,1,5421.73,0.027,12,463.85,current,not_applicable,moderate_burden
Rwanda,2019,rural,male,64,55+,second,primary,employed_informal,247.64,8,limited,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,32,25-34,fourth,secondary,employed_informal,357.31,9,limited,0,801,1,family_friends,3863.82,savings,consumption,1,3773.37,0.009,18,211.45,current,not_applicable,moderate_burden
Ethiopia,2025,rural,male,53,45-54,middle,tertiary,employed_informal,649.29,3,none,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,66,55+,lowest,primary,unemployed,18.45,3,limited,0,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,46,45-54,highest,tertiary,self_employed,1103.74,1,none,0,77,1,informal_lender,6083.8,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Nigeria,2025,rural,female,30,25-34,lowest,secondary,self_employed,92.18,8,none,0,98,1,digital_lender,3082.69,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2019,rural,male,27,25-34,fourth,none,farmer,1399.96,5,limited,0,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,57,55+,fourth,none,employed_informal,461.25,4,none,0,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,57,55+,middle,secondary,unemployed,95.17,1,none,1,539,1,digital_lender,3649.41,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2022,urban,male,64,55+,highest,primary,employed_informal,590.6,1,limited,0,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,54,45-54,fourth,tertiary,employed_formal,487.32,10,excellent,1,850,1,digital_lender,10427.52,guarantor,education,1,10037.4,0.425,12,1191.9,current,not_applicable,moderate_burden
Ethiopia,2020,urban,female,26,25-34,second,tertiary,employed_informal,109.14,2,good,1,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,26,25-34,fourth,primary,employed_informal,196.64,5,none,0,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,male,66,55+,highest,tertiary,farmer,1220.4,9,excellent,0,490,1,digital_lender,5873.73,none,education,1,5724.43,0.468,24,350.26,current,not_applicable,moderate_burden
Tanzania,2023,urban,female,29,25-34,lowest,none,employed_informal,169.46,8,limited,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,urban,female,68,55+,lowest,primary,unemployed,188.76,1,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,45,35-44,highest,primary,self_employed,234.36,8,excellent,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,60,55+,second,primary,employed_informal,145.24,7,none,1,349,1,family_friends,3791.38,savings,business,1,3403.41,0.095,18,207.08,late_60_days,not_applicable,moderate_burden
Senegal,2022,rural,female,52,45-54,middle,primary,employed_informal,168.13,9,limited,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,male,64,55+,middle,tertiary,self_employed,56.6,1,limited,0,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,male,42,35-44,fourth,primary,employed_informal,1021.06,2,limited,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,32,25-34,highest,none,unemployed,1526.3,6,limited,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,male,69,55+,fourth,secondary,employed_formal,232.53,5,limited,0,393,1,informal_lender,5439.06,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2022,rural,female,34,25-34,lowest,secondary,farmer,169.55,6,good,0,584,1,informal_lender,3110.31,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2021,urban,female,36,35-44,second,secondary,self_employed,76.83,1,limited,1,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,male,56,55+,fourth,tertiary,self_employed,91.85,4,good,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,female,48,45-54,lowest,tertiary,unemployed,26.55,1,none,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,57,55+,lowest,secondary,farmer,20.44,9,none,1,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,27,25-34,lowest,primary,farmer,79.24,9,limited,1,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,61,55+,middle,none,employed_informal,236.18,4,limited,1,54,1,digital_lender,2457.61,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2021,rural,male,67,55+,middle,none,employed_formal,107.71,6,none,0,496,1,informal_lender,3035.65,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2019,rural,female,51,45-54,fourth,secondary,self_employed,385.93,2,limited,0,474,1,sacco,5751.13,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2019,urban,male,60,55+,fourth,secondary,unemployed,249.08,1,good,1,331,1,digital_lender,5743.95,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2021,rural,female,52,45-54,lowest,tertiary,self_employed,28.42,8,none,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,male,43,35-44,lowest,none,employed_informal,46.84,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,56,55+,middle,primary,self_employed,143.72,6,none,0,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,female,25,18-24,middle,tertiary,farmer,162.49,5,none,1,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,63,55+,fourth,secondary,self_employed,406.85,4,limited,0,77,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,40,35-44,second,secondary,employed_informal,320.7,7,limited,1,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,68,55+,fourth,tertiary,farmer,121.86,4,good,1,797,1,sacco,2434.6,equipment,emergency,1,1972.75,0.346,12,221.32,late_30_days,not_applicable,moderate_burden
Zambia,2021,rural,male,55,45-54,lowest,primary,self_employed,29.2,6,limited,1,794,1,family_friends,1718.58,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2022,rural,female,47,45-54,fourth,tertiary,employed_formal,422.99,10,good,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,female,28,25-34,middle,primary,employed_formal,647.53,10,limited,1,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,65,55+,lowest,primary,self_employed,26.92,10,none,0,299,1,digital_lender,1373.19,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2019,rural,male,34,25-34,middle,secondary,employed_informal,239.35,6,good,0,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,35,25-34,lowest,secondary,employed_formal,181.77,6,limited,1,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,54,45-54,highest,none,farmer,1070.56,7,none,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,26,25-34,fourth,tertiary,self_employed,107.07,2,good,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,female,30,25-34,lowest,secondary,unemployed,89.09,3,good,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,32,25-34,second,secondary,farmer,25.55,7,none,1,724,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,52,45-54,second,secondary,farmer,43.46,5,none,1,182,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,56,55+,middle,none,employed_informal,202.71,3,excellent,0,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,male,32,25-34,middle,primary,farmer,250.16,8,none,1,395,1,microfinance,6844.84,none,consumption,1,6023.77,0.307,6,1312.53,current,not_applicable,moderate_burden
Senegal,2024,rural,male,52,45-54,lowest,none,self_employed,54.51,2,none,0,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,43,35-44,second,secondary,employed_informal,116.66,10,limited,0,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,40,35-44,middle,primary,employed_informal,383.35,8,none,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,female,38,35-44,second,secondary,self_employed,103.15,9,limited,1,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,male,61,55+,fourth,secondary,farmer,450.64,2,none,1,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,63,55+,fourth,secondary,unemployed,651.42,1,none,1,279,1,microfinance,11602.55,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2023,rural,female,29,25-34,highest,tertiary,employed_informal,592.71,6,none,1,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,66,55+,middle,none,employed_informal,177.53,6,none,1,0,1,commercial_bank,3039.73,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2019,urban,female,45,35-44,highest,secondary,farmer,1114.41,3,good,0,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,48,45-54,lowest,secondary,self_employed,16.46,4,good,1,87,1,commercial_bank,840.29,property,housing,1,832.14,0.201,36,27.76,late_30_days,not_applicable,moderate_burden
Ethiopia,2022,rural,male,28,25-34,highest,secondary,employed_informal,250.4,9,limited,1,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,25,18-24,highest,none,self_employed,541.93,4,good,1,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,59,55+,highest,tertiary,self_employed,2263.43,7,none,0,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,female,24,18-24,second,primary,employed_formal,98.86,9,limited,1,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,urban,male,55,45-54,second,none,farmer,281.78,8,none,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,33,25-34,highest,secondary,employed_informal,946.42,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,male,36,35-44,fourth,secondary,farmer,413.79,7,excellent,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,male,43,35-44,lowest,none,unemployed,135.62,4,good,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,22,18-24,fourth,primary,employed_informal,403.15,1,none,1,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,male,40,35-44,second,tertiary,self_employed,148.07,8,none,0,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,27,25-34,fourth,secondary,employed_informal,309.42,1,limited,0,55,1,family_friends,1260.75,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2018,urban,female,57,55+,lowest,none,farmer,55.51,9,limited,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,50,45-54,middle,primary,unemployed,279.67,1,excellent,0,593,1,informal_lender,6556.47,none,consumption,1,6295.61,0.838,48,241.06,current,not_applicable,moderate_burden
Rwanda,2021,urban,female,19,18-24,highest,primary,unemployed,1452.05,5,good,0,811,1,family_friends,28962.45,guarantor,emergency,1,23598.32,0.017,36,666.5,late_30_days,not_applicable,moderate_burden
Ghana,2025,urban,female,21,18-24,second,none,self_employed,369.28,10,none,1,322,1,family_friends,3214.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2025,urban,female,56,55+,middle,primary,self_employed,257.9,3,limited,1,83,1,microfinance,4281.9,none,housing,1,3792.67,0.324,24,209.27,current,not_applicable,moderate_burden
Niger,2018,rural,male,57,55+,highest,none,farmer,927.44,9,good,0,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,68,55+,second,primary,self_employed,738.01,6,good,1,741,1,informal_lender,5501.21,guarantor,business,1,4971.56,0.76,24,364.64,current,not_applicable,moderate_burden
Mali,2018,urban,female,54,45-54,lowest,secondary,self_employed,116.88,10,good,0,638,1,family_friends,3181.18,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2020,urban,male,42,35-44,middle,secondary,employed_informal,159.76,6,limited,1,123,1,digital_lender,4381.61,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2021,urban,male,21,18-24,second,none,employed_formal,69.54,10,none,1,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,35,25-34,second,secondary,employed_informal,126.74,9,limited,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,rural,female,63,55+,middle,tertiary,employed_informal,176.53,10,none,1,321,1,microfinance,1722.16,equipment,housing,1,1523.74,0.273,18,107.75,late_30_days,not_applicable,moderate_burden
Nigeria,2020,urban,female,68,55+,highest,secondary,self_employed,1337.07,10,good,0,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,56,55+,lowest,secondary,employed_formal,209.1,10,limited,0,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,female,49,45-54,lowest,primary,self_employed,189.44,3,good,0,325,1,family_friends,3889.08,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2021,rural,male,47,45-54,middle,secondary,unemployed,481.8,1,limited,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,65,55+,lowest,primary,self_employed,19.62,5,good,0,677,1,family_friends,863.95,savings,consumption,1,831.46,0.018,12,70.55,late_30_days,not_applicable,moderate_burden
Ethiopia,2022,rural,female,23,18-24,highest,secondary,employed_informal,785.28,9,none,0,672,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,female,49,45-54,second,none,unemployed,155.11,2,none,0,271,1,family_friends,2841.14,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ghana,2025,rural,male,54,45-54,middle,none,farmer,88.09,8,limited,1,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,28,25-34,second,secondary,farmer,79.47,6,excellent,1,730,1,family_friends,2645.83,savings,consumption,1,2564.17,0.09,12,232.87,current,not_applicable,moderate_burden
DRC,2019,rural,male,20,18-24,highest,tertiary,self_employed,604.66,4,none,1,574,1,informal_lender,5953.77,savings,business,1,5493.22,0.805,12,826.25,current,not_applicable,moderate_burden
Mozambique,2019,urban,female,36,35-44,highest,primary,farmer,1187.19,9,none,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,male,50,45-54,lowest,tertiary,employed_formal,12.33,4,limited,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,47,45-54,lowest,secondary,farmer,115.88,8,limited,1,119,1,family_friends,5195.82,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2020,rural,female,27,25-34,second,tertiary,employed_informal,93.81,1,none,0,0,1,informal_lender,7881.28,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2019,urban,male,44,35-44,second,primary,self_employed,476.16,2,limited,1,494,1,commercial_bank,5176.58,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2018,urban,female,20,18-24,middle,none,employed_formal,159.87,6,limited,1,407,1,sacco,3735.93,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2018,rural,female,22,18-24,middle,none,employed_informal,141.17,6,good,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,female,62,55+,middle,secondary,farmer,52.13,10,good,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,58,55+,second,primary,employed_informal,578.71,6,none,1,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,53,45-54,fourth,secondary,employed_informal,127.35,1,none,1,419,1,digital_lender,2944.11,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2020,rural,female,60,55+,highest,none,unemployed,1042.51,5,excellent,1,689,1,sacco,7939.46,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,urban,male,61,55+,lowest,secondary,self_employed,307.83,4,none,0,341,1,informal_lender,2420.82,savings,housing,1,1976.14,0.818,6,598.7,current,not_applicable,moderate_burden
Mozambique,2022,urban,male,68,55+,lowest,secondary,employed_informal,106.09,4,limited,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,female,27,25-34,second,secondary,employed_informal,96.55,4,none,0,0,1,informal_lender,2273.0,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2025,rural,male,37,35-44,lowest,tertiary,self_employed,132.42,3,none,0,743,1,employer,6551.65,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2024,urban,female,47,45-54,fourth,primary,employed_informal,267.63,6,limited,0,403,1,employer,5723.81,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2018,urban,female,36,35-44,fourth,secondary,farmer,233.64,3,none,0,559,1,family_friends,6263.45,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2021,urban,male,30,25-34,fourth,none,employed_informal,392.01,4,good,1,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,31,25-34,highest,primary,unemployed,724.63,2,none,1,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,29,25-34,lowest,secondary,unemployed,37.55,4,limited,0,216,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,female,50,45-54,middle,secondary,employed_formal,138.21,10,excellent,1,286,1,microfinance,10511.58,none,consumption,1,9658.53,0.366,18,732.97,current,not_applicable,moderate_burden
Senegal,2020,urban,male,50,45-54,lowest,secondary,self_employed,82.95,10,none,0,558,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,male,45,35-44,highest,none,employed_formal,652.14,8,good,0,234,1,employer,3298.62,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,rural,female,64,55+,middle,secondary,employed_informal,88.4,10,none,0,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,52,45-54,lowest,none,employed_informal,47.02,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,25,18-24,highest,tertiary,self_employed,769.95,4,good,0,652,1,employer,6772.46,equipment,consumption,1,6312.27,0.049,12,551.67,current,not_applicable,moderate_burden
Mali,2021,urban,male,53,45-54,fourth,primary,employed_informal,1207.6,4,good,0,830,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,67,55+,lowest,primary,employed_informal,307.32,6,limited,0,365,1,family_friends,2734.83,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2018,rural,male,56,55+,middle,tertiary,employed_informal,99.87,7,good,1,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,male,35,25-34,middle,primary,farmer,133.51,9,limited,1,149,1,microfinance,4209.07,none,consumption,1,3783.55,0.287,12,405.74,paid_off,not_applicable,moderate_burden
Tanzania,2018,rural,male,66,55+,highest,primary,employed_informal,290.85,10,limited,0,198,1,microfinance,2991.59,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2018,rural,male,33,25-34,second,secondary,self_employed,71.1,10,limited,0,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,33,25-34,fourth,tertiary,self_employed,172.67,7,none,1,558,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,female,38,35-44,second,none,self_employed,92.93,3,limited,0,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,35,25-34,fourth,none,self_employed,191.84,3,none,0,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,48,45-54,highest,primary,employed_formal,1232.34,10,limited,0,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,22,18-24,middle,secondary,employed_informal,166.45,4,limited,0,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,62,55+,middle,secondary,unemployed,120.83,5,good,0,146,1,sacco,5645.09,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2020,urban,male,48,45-54,lowest,tertiary,employed_formal,34.51,10,good,1,704,1,commercial_bank,1867.32,savings,agriculture,1,1785.22,0.141,18,113.18,current,not_applicable,moderate_burden
Nigeria,2024,rural,male,34,25-34,middle,primary,self_employed,112.73,1,limited,0,691,1,family_friends,8389.02,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2025,urban,female,58,55+,fourth,tertiary,farmer,435.76,1,good,1,709,1,commercial_bank,2572.0,savings,business,1,2190.25,0.141,18,138.87,paid_off,not_applicable,moderate_burden
South Africa,2021,rural,female,46,45-54,second,tertiary,employed_informal,69.16,9,none,1,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,44,35-44,fourth,secondary,self_employed,278.44,5,none,1,15,1,family_friends,4276.14,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2021,rural,female,69,55+,middle,none,unemployed,229.02,1,good,1,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,female,22,18-24,fourth,primary,employed_formal,426.9,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,39,35-44,second,primary,unemployed,110.83,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,male,21,18-24,highest,none,farmer,1955.78,7,none,0,667,1,microfinance,16960.81,guarantor,education,1,16223.66,0.321,12,1785.45,current,not_applicable,moderate_burden
Ethiopia,2019,rural,female,57,55+,second,none,unemployed,58.1,2,none,0,738,1,employer,3572.06,savings,asset_purchase,1,3439.24,0.005,12,287.93,current,not_applicable,moderate_burden
Ghana,2023,rural,female,48,45-54,lowest,secondary,unemployed,64.69,2,none,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,40,35-44,second,none,farmer,314.07,9,limited,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,male,40,35-44,lowest,secondary,self_employed,95.77,2,limited,1,643,1,informal_lender,3360.35,none,asset_purchase,1,3001.49,0.754,6,877.36,current,not_applicable,moderate_burden
Malawi,2018,rural,female,61,55+,lowest,secondary,employed_informal,30.65,4,limited,1,348,1,family_friends,1744.35,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2022,urban,male,24,18-24,fourth,secondary,employed_informal,748.41,3,none,0,551,1,family_friends,6142.67,guarantor,housing,1,5987.3,0.036,24,258.35,current,not_applicable,moderate_burden
Ghana,2022,rural,female,60,55+,second,secondary,farmer,272.45,5,good,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,64,55+,lowest,none,employed_formal,124.05,10,limited,1,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,61,55+,second,secondary,self_employed,38.92,8,good,0,393,1,microfinance,837.22,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2018,urban,female,41,35-44,fourth,secondary,employed_informal,580.19,8,good,1,847,1,commercial_bank,10941.79,savings,asset_purchase,1,9315.66,0.227,6,1904.3,current,not_applicable,moderate_burden
Uganda,2025,rural,female,57,55+,fourth,secondary,self_employed,238.85,9,none,1,86,1,family_friends,3343.85,none,business,1,3150.59,0.012,12,265.72,current,not_applicable,moderate_burden
DRC,2020,rural,male,56,55+,fourth,primary,unemployed,284.3,1,none,0,563,1,family_friends,1594.7,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2019,rural,female,34,25-34,second,tertiary,employed_formal,44.35,10,good,1,196,1,digital_lender,2619.29,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2024,rural,male,43,35-44,lowest,primary,unemployed,29.72,3,good,0,179,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,male,46,45-54,lowest,primary,self_employed,221.62,8,good,0,592,1,family_friends,5350.37,none,agriculture,1,5179.63,0.03,24,222.36,current,not_applicable,moderate_burden
Mali,2025,urban,male,49,45-54,lowest,primary,self_employed,333.19,7,excellent,0,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,26,25-34,second,primary,employed_formal,36.48,7,good,0,765,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,26,25-34,middle,primary,employed_formal,164.05,10,none,0,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,female,24,18-24,second,primary,employed_informal,492.69,9,none,0,184,1,microfinance,10503.79,savings,education,1,9379.24,0.351,18,704.11,current,not_applicable,moderate_burden
Uganda,2024,rural,female,52,45-54,middle,tertiary,employed_formal,594.91,6,good,0,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,male,58,55+,middle,primary,farmer,88.75,4,good,0,555,1,sacco,5831.06,equipment,emergency,1,5821.18,0.271,12,616.79,late_60_days,not_applicable,moderate_burden
Uganda,2022,rural,male,20,18-24,second,tertiary,self_employed,1135.77,5,limited,0,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,32,25-34,lowest,none,farmer,24.58,4,none,0,624,1,family_friends,1878.66,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2019,rural,male,36,35-44,second,primary,unemployed,187.41,1,limited,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,46,45-54,middle,secondary,employed_informal,161.95,3,good,1,820,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,34,25-34,lowest,secondary,unemployed,23.61,1,limited,0,187,1,family_friends,2000.71,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2020,urban,female,18,18-24,middle,none,employed_informal,726.63,7,good,1,824,1,commercial_bank,5145.43,none,agriculture,1,4207.18,0.179,6,826.72,current,not_applicable,moderate_burden
DRC,2021,urban,male,28,25-34,middle,tertiary,employed_informal,519.47,8,none,1,224,1,family_friends,4522.15,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,urban,male,25,18-24,fourth,tertiary,self_employed,450.01,3,none,0,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,53,45-54,lowest,none,farmer,111.32,1,good,0,552,1,family_friends,3177.38,none,education,1,2907.56,0.062,18,171.47,late_60_days,not_applicable,moderate_burden
Rwanda,2023,urban,female,47,45-54,middle,primary,unemployed,343.83,3,limited,1,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,19,18-24,second,none,employed_informal,87.61,1,none,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,24,18-24,middle,primary,farmer,514.29,1,none,0,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,female,18,18-24,middle,none,employed_informal,119.88,10,limited,1,3,1,sacco,5173.8,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2024,urban,male,29,25-34,second,primary,farmer,353.31,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,male,33,25-34,lowest,secondary,employed_informal,171.47,6,none,1,220,1,commercial_bank,4098.42,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2018,rural,female,69,55+,lowest,none,employed_informal,30.94,6,good,0,120,1,family_friends,2713.58,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2022,urban,female,22,18-24,middle,primary,self_employed,326.49,10,none,1,576,1,commercial_bank,14558.37,property,business,1,13467.21,0.203,6,2699.74,paid_off,not_applicable,moderate_burden
Nigeria,2022,rural,male,43,35-44,middle,secondary,employed_formal,225.52,10,limited,0,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,52,45-54,lowest,secondary,self_employed,39.13,5,good,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,54,45-54,second,none,self_employed,149.03,1,limited,1,331,1,microfinance,3238.99,savings,business,1,2604.3,0.367,18,197.79,current,not_applicable,moderate_burden
Ethiopia,2024,urban,female,59,55+,second,tertiary,farmer,61.61,7,limited,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,42,35-44,middle,none,self_employed,162.88,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,female,29,25-34,second,tertiary,self_employed,640.47,4,good,1,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,44,35-44,fourth,tertiary,unemployed,382.69,1,none,1,621,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,37,35-44,lowest,secondary,employed_informal,153.97,8,good,1,824,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,48,45-54,lowest,tertiary,farmer,45.4,8,none,0,276,1,family_friends,2356.21,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2018,rural,female,68,55+,fourth,secondary,farmer,314.16,2,none,1,293,1,sacco,3783.75,none,business,1,3540.38,0.288,18,253.32,current,not_applicable,moderate_burden
Tanzania,2024,rural,male,18,18-24,highest,none,unemployed,490.46,3,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,female,41,35-44,middle,none,employed_informal,1174.5,4,limited,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,22,18-24,fourth,secondary,employed_formal,927.84,10,good,0,495,1,informal_lender,9140.79,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2021,rural,male,19,18-24,second,primary,self_employed,55.54,3,none,1,110,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,21,18-24,lowest,secondary,employed_informal,131.05,7,limited,0,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,67,55+,highest,primary,employed_formal,678.27,10,none,1,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,52,45-54,middle,secondary,self_employed,1315.42,6,limited,0,537,1,microfinance,7230.73,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2020,rural,female,44,35-44,second,primary,farmer,177.68,5,limited,0,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,64,55+,lowest,primary,self_employed,151.72,3,none,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,25,18-24,middle,secondary,self_employed,224.03,1,none,1,494,1,informal_lender,6638.11,property,business,1,6627.71,0.766,6,1951.15,current,not_applicable,moderate_burden
Mozambique,2024,rural,male,67,55+,middle,secondary,employed_informal,307.82,8,limited,1,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,female,26,25-34,middle,tertiary,employed_informal,261.62,8,none,0,0,1,sacco,6123.56,guarantor,consumption,1,5083.01,0.275,18,360.08,current,not_applicable,moderate_burden
Zambia,2021,rural,male,60,55+,fourth,primary,employed_informal,397.36,1,none,1,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,37,35-44,middle,primary,employed_formal,242.85,10,good,1,194,1,microfinance,4762.49,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2023,rural,female,29,25-34,fourth,primary,farmer,900.24,9,excellent,0,334,1,family_friends,9063.15,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2023,urban,male,34,25-34,middle,tertiary,self_employed,282.56,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,61,55+,middle,primary,farmer,640.68,9,none,0,591,1,employer,8485.59,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2020,urban,male,49,45-54,second,secondary,self_employed,218.47,6,good,0,361,1,microfinance,4406.64,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2022,urban,female,36,35-44,fourth,secondary,unemployed,627.33,2,good,0,137,1,microfinance,3222.73,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mozambique,2020,urban,male,23,18-24,second,secondary,employed_formal,320.08,10,excellent,0,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,female,39,35-44,lowest,primary,self_employed,123.84,1,excellent,0,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,urban,male,55,45-54,second,primary,farmer,53.69,6,good,0,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,35,25-34,fourth,primary,farmer,346.64,1,none,1,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,female,23,18-24,lowest,secondary,self_employed,125.14,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,male,26,25-34,highest,primary,employed_informal,2286.78,8,none,0,608,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,49,45-54,second,tertiary,self_employed,95.99,8,limited,1,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,35,25-34,middle,secondary,self_employed,48.25,2,good,1,496,1,commercial_bank,1845.56,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2023,urban,male,45,35-44,fourth,none,self_employed,345.26,2,limited,0,441,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,female,51,45-54,fourth,tertiary,farmer,279.89,3,none,1,29,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,51,45-54,lowest,primary,employed_formal,30.35,10,excellent,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,48,45-54,middle,tertiary,unemployed,86.68,1,good,0,133,1,employer,2440.37,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2018,rural,male,65,55+,fourth,secondary,employed_formal,417.41,10,good,0,160,1,microfinance,4602.53,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2023,rural,male,19,18-24,highest,primary,self_employed,958.58,7,good,1,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,66,55+,fourth,primary,unemployed,575.6,6,none,0,30,1,informal_lender,19754.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2020,urban,female,55,45-54,middle,secondary,farmer,1396.06,3,good,1,367,1,informal_lender,11721.44,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2018,urban,male,28,25-34,highest,none,self_employed,2173.23,10,none,1,223,1,informal_lender,6571.27,equipment,agriculture,1,5774.86,0.827,24,439.66,late_30_days,not_applicable,moderate_burden
Malawi,2023,urban,male,62,55+,highest,primary,farmer,949.54,9,limited,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,23,18-24,lowest,tertiary,unemployed,83.65,6,limited,1,791,1,family_friends,3172.08,guarantor,business,1,2942.21,0.048,6,513.92,current,not_applicable,moderate_burden
Nigeria,2024,rural,male,18,18-24,lowest,tertiary,employed_informal,63.19,5,limited,0,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,female,19,18-24,middle,primary,farmer,301.22,7,limited,0,712,1,microfinance,1976.08,equipment,agriculture,1,1846.48,0.307,12,201.18,current,not_applicable,moderate_burden
Malawi,2022,rural,female,54,45-54,highest,secondary,self_employed,662.0,6,limited,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,61,55+,highest,tertiary,self_employed,1351.34,8,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,32,25-34,fourth,none,unemployed,372.77,5,none,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,35,25-34,lowest,none,self_employed,373.55,2,none,0,33,1,informal_lender,1937.7,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2025,rural,male,67,55+,middle,primary,self_employed,251.76,6,limited,1,766,1,commercial_bank,1651.83,property,business,1,1642.34,0.156,18,105.44,late_60_days,not_applicable,moderate_burden
South Africa,2018,urban,male,39,35-44,lowest,primary,farmer,136.37,1,limited,0,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,male,26,25-34,middle,tertiary,self_employed,226.54,8,none,0,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,67,55+,fourth,tertiary,employed_formal,508.61,10,none,0,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,male,30,25-34,lowest,none,employed_informal,61.58,3,good,0,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,32,25-34,middle,primary,farmer,165.22,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,66,55+,middle,primary,farmer,216.42,3,limited,1,122,1,commercial_bank,6440.5,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2022,rural,male,32,25-34,middle,primary,employed_formal,155.11,4,limited,0,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,female,25,18-24,middle,none,unemployed,207.38,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,36,35-44,highest,tertiary,employed_informal,741.17,1,none,0,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,57,55+,fourth,primary,self_employed,110.3,4,limited,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,male,52,45-54,second,tertiary,farmer,125.75,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,42,35-44,second,tertiary,unemployed,54.55,5,none,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,47,45-54,lowest,primary,self_employed,8.48,4,good,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,42,35-44,fourth,none,unemployed,1506.51,4,none,0,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,female,36,35-44,second,secondary,self_employed,47.74,2,none,0,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,55,45-54,middle,tertiary,employed_informal,117.42,8,none,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,69,55+,lowest,none,employed_formal,220.91,8,limited,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,male,67,55+,second,primary,self_employed,71.76,2,none,0,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,female,55,45-54,highest,tertiary,employed_informal,927.82,6,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,52,45-54,highest,primary,employed_formal,240.21,9,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,64,55+,lowest,primary,self_employed,184.23,6,none,1,450,1,commercial_bank,11570.71,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2024,rural,male,29,25-34,second,none,farmer,84.03,6,good,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,male,36,35-44,second,primary,self_employed,96.86,8,limited,0,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,67,55+,second,tertiary,employed_informal,305.86,4,none,0,115,1,microfinance,2722.74,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2018,urban,male,39,35-44,middle,tertiary,self_employed,155.4,10,limited,1,34,1,sacco,6505.23,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2019,rural,male,19,18-24,fourth,secondary,self_employed,526.01,10,none,0,173,1,family_friends,10598.01,property,housing,1,10352.32,0.028,6,1773.5,late_60_days,not_applicable,moderate_burden
Nigeria,2020,urban,female,61,55+,middle,primary,self_employed,796.87,8,excellent,1,377,1,digital_lender,35477.23,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2018,urban,male,43,35-44,fourth,none,employed_informal,268.78,10,excellent,0,260,1,microfinance,2949.86,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2024,urban,male,41,35-44,highest,secondary,employed_informal,1035.82,7,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,19,18-24,second,primary,farmer,147.21,8,none,0,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,41,35-44,lowest,tertiary,self_employed,184.97,10,good,1,535,1,commercial_bank,6746.05,none,agriculture,1,6022.55,0.206,24,302.74,current,not_applicable,moderate_burden
Rwanda,2025,rural,female,19,18-24,lowest,secondary,self_employed,163.49,10,limited,1,549,1,commercial_bank,1827.25,none,asset_purchase,1,1759.55,0.139,12,167.07,current,not_applicable,moderate_burden
Zambia,2019,urban,male,65,55+,highest,secondary,employed_formal,493.27,9,limited,0,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,62,55+,middle,primary,unemployed,927.29,1,good,0,681,1,microfinance,5141.77,savings,agriculture,1,4418.84,0.301,6,957.82,current,not_applicable,moderate_burden
Rwanda,2021,rural,male,50,45-54,highest,tertiary,self_employed,1220.63,9,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,rural,female,50,45-54,middle,tertiary,self_employed,165.91,2,limited,0,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,53,45-54,second,tertiary,farmer,394.32,7,none,0,430,1,informal_lender,12299.96,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2023,urban,female,35,25-34,middle,tertiary,self_employed,806.83,3,none,0,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,18,18-24,middle,tertiary,self_employed,201.42,9,good,1,808,1,commercial_bank,4231.61,property,consumption,1,3802.24,0.216,18,256.76,paid_off,not_applicable,moderate_burden
Tanzania,2018,urban,female,39,35-44,fourth,secondary,self_employed,426.86,1,none,0,312,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,35,25-34,middle,primary,self_employed,63.31,4,excellent,1,850,1,commercial_bank,659.46,guarantor,agriculture,1,587.45,0.176,18,38.37,current,not_applicable,moderate_burden
DRC,2024,urban,male,50,45-54,second,none,self_employed,72.82,4,good,0,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,male,21,18-24,lowest,secondary,farmer,39.89,9,limited,1,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,male,42,35-44,highest,none,self_employed,1094.14,9,limited,0,619,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,54,45-54,second,secondary,self_employed,132.79,7,limited,1,564,1,commercial_bank,7143.38,none,agriculture,1,5977.97,0.22,12,607.79,current,not_applicable,moderate_burden
Malawi,2020,urban,male,54,45-54,second,secondary,unemployed,556.57,1,none,0,51,1,digital_lender,18951.33,none,business,1,18512.96,0.479,36,760.64,current,not_applicable,moderate_burden
Malawi,2022,rural,female,46,45-54,highest,primary,employed_informal,918.54,8,none,0,407,1,digital_lender,8887.44,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2025,rural,female,53,45-54,second,tertiary,self_employed,105.1,4,none,1,193,1,digital_lender,2172.41,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2018,rural,female,23,18-24,middle,tertiary,self_employed,397.53,3,none,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,female,58,55+,highest,primary,unemployed,706.34,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,38,35-44,second,secondary,self_employed,20.08,4,none,1,412,1,microfinance,4367.97,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2018,rural,female,69,55+,highest,primary,self_employed,378.26,6,limited,0,288,1,informal_lender,7110.55,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2021,rural,male,32,25-34,fourth,none,self_employed,340.54,2,excellent,0,478,1,sacco,3858.88,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2020,urban,male,24,18-24,second,secondary,unemployed,124.26,3,none,0,135,1,microfinance,2119.11,none,agriculture,1,1803.26,0.351,48,50.74,current,not_applicable,moderate_burden
Zambia,2020,urban,female,36,35-44,fourth,primary,self_employed,307.26,6,none,1,120,1,commercial_bank,4507.41,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2019,urban,male,55,45-54,lowest,tertiary,self_employed,67.13,5,excellent,0,411,1,microfinance,6254.52,property,business,1,5608.11,0.335,6,1247.43,current,not_applicable,moderate_burden
Kenya,2018,rural,female,54,45-54,second,none,employed_formal,79.92,4,none,1,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,female,60,55+,middle,secondary,self_employed,269.58,3,good,0,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,male,38,35-44,fourth,primary,self_employed,631.09,8,none,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,32,25-34,lowest,primary,farmer,102.93,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,54,45-54,fourth,secondary,employed_informal,1428.45,8,excellent,0,583,1,sacco,15322.25,equipment,business,1,14559.86,0.351,6,3277.77,current,not_applicable,moderate_burden
South Africa,2021,urban,male,52,45-54,middle,secondary,unemployed,291.77,1,limited,0,206,1,microfinance,3730.33,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2025,rural,male,64,55+,highest,secondary,employed_informal,602.11,6,none,0,352,1,family_friends,16636.73,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2018,rural,female,58,55+,second,primary,employed_formal,27.24,9,none,0,621,1,microfinance,1816.59,guarantor,agriculture,1,1580.58,0.318,18,115.71,current,not_applicable,moderate_burden
DRC,2022,urban,female,29,25-34,lowest,none,farmer,78.71,10,good,0,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,64,55+,fourth,primary,self_employed,376.57,9,limited,1,174,1,digital_lender,5536.54,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2019,rural,female,46,45-54,middle,tertiary,self_employed,88.82,5,good,0,727,1,digital_lender,1464.8,none,business,1,1299.35,0.487,48,40.25,current,not_applicable,moderate_burden
Mali,2024,rural,female,63,55+,highest,primary,farmer,915.47,5,limited,0,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,61,55+,lowest,none,employed_formal,97.29,8,limited,0,712,1,family_friends,3006.81,savings,business,1,2832.41,0.026,18,161.4,current,not_applicable,moderate_burden
Tanzania,2025,urban,female,27,25-34,lowest,primary,employed_informal,119.93,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,male,31,25-34,second,secondary,employed_formal,214.64,8,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,male,62,55+,middle,primary,self_employed,530.39,8,none,1,36,1,microfinance,9056.39,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2025,urban,female,66,55+,fourth,primary,self_employed,498.2,9,limited,1,364,1,commercial_bank,10878.25,none,debt_consolidation,1,10297.5,0.17,12,1004.01,late_30_days,not_applicable,moderate_burden
South Africa,2022,urban,female,69,55+,second,tertiary,employed_informal,229.45,4,limited,0,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,male,43,35-44,second,secondary,self_employed,75.28,9,limited,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,31,25-34,highest,tertiary,farmer,1602.65,8,limited,1,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,32,25-34,fourth,secondary,employed_informal,98.29,2,none,1,568,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,19,18-24,highest,primary,farmer,550.38,2,none,0,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,44,35-44,lowest,primary,employed_informal,88.51,3,limited,0,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,33,25-34,highest,tertiary,unemployed,270.88,5,good,1,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,male,29,25-34,second,tertiary,employed_informal,111.12,3,none,0,501,1,family_friends,1516.81,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2019,rural,male,55,45-54,second,secondary,employed_formal,168.95,10,good,0,818,1,employer,3179.78,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2022,urban,female,21,18-24,lowest,secondary,self_employed,133.37,6,none,1,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,24,18-24,highest,tertiary,farmer,504.33,6,good,0,680,1,digital_lender,12146.21,vehicle,agriculture,1,10818.47,0.411,12,1271.98,current,not_applicable,moderate_burden
Mozambique,2024,rural,female,21,18-24,lowest,secondary,farmer,64.7,10,good,0,820,1,family_friends,3083.14,savings,agriculture,1,2664.8,0.008,18,149.18,paid_off,not_applicable,moderate_burden
South Africa,2025,rural,female,62,55+,second,primary,employed_informal,271.9,4,good,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,male,25,18-24,second,secondary,self_employed,356.04,6,none,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,54,45-54,second,secondary,self_employed,145.31,5,none,0,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,19,18-24,middle,primary,employed_informal,66.69,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,48,45-54,middle,tertiary,farmer,100.5,7,limited,0,201,1,informal_lender,2532.51,guarantor,debt_consolidation,1,2177.34,0.786,36,108.04,paid_off,not_applicable,moderate_burden
Rwanda,2021,rural,male,32,25-34,middle,tertiary,employed_informal,82.69,3,excellent,1,431,1,sacco,2645.58,savings,consumption,1,2599.64,0.285,6,556.93,late_60_days,not_applicable,moderate_burden
Mozambique,2025,urban,female,23,18-24,middle,primary,self_employed,239.91,4,none,1,477,1,digital_lender,12809.05,equipment,education,1,11952.55,0.427,6,2842.62,current,not_applicable,moderate_burden
Niger,2024,rural,female,26,25-34,fourth,primary,self_employed,427.23,2,none,0,475,1,informal_lender,11610.04,none,agriculture,1,11437.7,0.801,6,3434.05,current,not_applicable,moderate_burden
DRC,2024,rural,male,58,55+,second,secondary,unemployed,40.64,1,none,1,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,19,18-24,second,secondary,self_employed,310.57,10,none,0,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,59,55+,lowest,primary,employed_informal,437.26,3,none,0,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,19,18-24,second,none,farmer,118.08,10,limited,0,459,1,family_friends,4097.2,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2025,rural,female,68,55+,fourth,primary,employed_informal,1380.63,8,limited,1,800,1,microfinance,14027.34,none,business,1,12603.16,0.295,18,906.61,current,not_applicable,moderate_burden
Malawi,2020,rural,female,29,25-34,lowest,tertiary,self_employed,180.79,9,limited,1,683,1,digital_lender,4226.98,none,emergency,1,3660.6,0.488,6,908.04,current,not_applicable,moderate_burden
Ethiopia,2024,rural,female,38,35-44,fourth,primary,self_employed,711.33,5,none,1,0,1,sacco,5648.05,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2020,urban,male,58,55+,fourth,primary,self_employed,454.51,9,good,0,325,1,informal_lender,5518.69,none,asset_purchase,1,5087.83,0.795,12,760.9,defaulted,not_applicable,moderate_burden
Niger,2023,rural,female,68,55+,highest,secondary,farmer,653.21,2,limited,0,201,1,family_friends,7004.21,none,emergency,1,6825.83,0.073,12,610.41,late_60_days,not_applicable,moderate_burden
Malawi,2020,rural,male,53,45-54,second,secondary,self_employed,257.0,7,limited,1,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,19,18-24,fourth,primary,employed_informal,258.38,7,limited,0,397,1,sacco,5349.15,guarantor,education,1,5231.46,0.338,12,583.32,current,not_applicable,moderate_burden
Mali,2020,rural,male,55,45-54,second,tertiary,farmer,137.61,9,limited,0,590,1,sacco,2715.85,none,education,1,2213.74,0.342,6,494.98,current,not_applicable,moderate_burden
Mozambique,2018,urban,male,62,55+,lowest,primary,employed_formal,321.5,4,none,0,601,1,employer,3190.34,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2020,urban,female,61,55+,middle,primary,farmer,100.66,10,none,0,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,female,22,18-24,middle,secondary,employed_informal,233.71,8,none,0,18,1,family_friends,3521.53,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2020,urban,male,24,18-24,middle,none,self_employed,208.17,2,good,1,850,1,sacco,3400.4,guarantor,consumption,1,3176.36,0.314,12,347.88,defaulted,not_applicable,moderate_burden
Tanzania,2019,urban,female,42,35-44,lowest,primary,self_employed,121.62,3,good,1,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,male,53,45-54,fourth,primary,farmer,1218.61,3,limited,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,urban,male,27,25-34,highest,primary,employed_informal,757.14,4,good,0,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,29,25-34,lowest,tertiary,self_employed,19.46,6,none,0,0,1,sacco,971.28,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2023,urban,female,66,55+,middle,tertiary,self_employed,355.36,6,none,1,0,1,commercial_bank,2871.59,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2019,rural,female,36,35-44,second,tertiary,farmer,444.54,3,none,1,576,1,family_friends,6772.18,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,urban,female,30,25-34,lowest,tertiary,self_employed,57.65,10,good,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,23,18-24,lowest,secondary,farmer,132.22,8,none,0,633,1,sacco,2570.17,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,rural,female,41,35-44,lowest,primary,employed_formal,237.0,7,limited,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,female,45,35-44,fourth,secondary,unemployed,775.98,1,limited,1,716,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,20,18-24,lowest,primary,self_employed,44.14,7,none,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,37,35-44,middle,primary,unemployed,673.43,1,none,0,726,1,commercial_bank,9135.61,none,business,1,9050.83,0.208,36,303.67,current,not_applicable,moderate_burden
Kenya,2021,urban,female,38,35-44,lowest,none,unemployed,163.6,4,none,1,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,57,55+,highest,primary,employed_formal,2507.22,8,none,1,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,28,25-34,highest,secondary,employed_formal,659.08,10,excellent,0,850,1,family_friends,3585.14,guarantor,business,1,3501.39,0.096,48,79.95,paid_off,not_applicable,moderate_burden
Malawi,2023,urban,female,25,18-24,second,tertiary,self_employed,149.76,7,none,1,389,1,commercial_bank,6155.07,guarantor,business,1,5137.57,0.181,12,505.59,current,not_applicable,moderate_burden
Zambia,2024,rural,male,61,55+,highest,secondary,employed_informal,615.74,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,female,61,55+,fourth,secondary,farmer,850.63,1,good,1,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,46,45-54,second,tertiary,self_employed,84.45,10,none,1,181,1,digital_lender,2912.08,guarantor,debt_consolidation,1,2744.65,0.455,24,166.43,paid_off,not_applicable,moderate_burden
Rwanda,2018,rural,female,29,25-34,fourth,secondary,employed_formal,664.25,7,none,1,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,43,35-44,fourth,primary,farmer,293.92,5,good,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,62,55+,highest,tertiary,employed_informal,756.68,1,limited,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,55,45-54,second,secondary,self_employed,166.55,2,good,0,235,1,digital_lender,4188.74,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2021,rural,female,68,55+,lowest,secondary,farmer,39.23,2,good,0,410,1,informal_lender,1836.5,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2021,rural,female,49,45-54,lowest,secondary,employed_informal,21.75,5,limited,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,20,18-24,second,primary,self_employed,113.99,2,limited,0,5,1,informal_lender,3955.47,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2025,rural,female,22,18-24,second,tertiary,employed_informal,131.21,6,limited,0,13,1,informal_lender,2637.97,equipment,business,1,2603.15,0.847,12,400.66,paid_off,not_applicable,moderate_burden
Kenya,2021,rural,female,41,35-44,middle,primary,self_employed,384.51,3,none,1,389,1,commercial_bank,4720.7,property,business,1,3801.1,0.138,18,240.42,current,not_applicable,moderate_burden
Mozambique,2023,rural,male,29,25-34,lowest,secondary,self_employed,12.66,2,good,0,696,1,family_friends,1097.33,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2025,rural,male,18,18-24,middle,secondary,farmer,536.02,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,51,45-54,second,secondary,employed_informal,152.87,3,none,1,675,1,sacco,6565.79,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ghana,2025,urban,male,47,45-54,fourth,secondary,self_employed,1662.08,1,none,1,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,37,35-44,second,primary,employed_formal,73.11,9,limited,1,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,male,42,35-44,highest,secondary,self_employed,1979.94,8,limited,1,105,1,microfinance,28032.8,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Zambia,2024,rural,male,25,18-24,highest,secondary,farmer,562.8,5,limited,1,265,1,microfinance,5434.3,guarantor,business,1,4781.71,0.28,18,339.96,current,not_applicable,moderate_burden
Rwanda,2022,rural,male,47,45-54,fourth,primary,farmer,246.93,9,none,1,605,1,microfinance,4562.2,equipment,education,1,3895.61,0.345,24,218.27,current,not_applicable,moderate_burden
Mozambique,2022,rural,female,21,18-24,highest,primary,employed_formal,284.55,10,excellent,1,850,1,microfinance,6533.07,none,agriculture,1,6494.77,0.326,18,478.35,late_30_days,not_applicable,moderate_burden
Kenya,2020,rural,female,62,55+,fourth,primary,self_employed,779.05,6,limited,1,38,1,microfinance,8658.91,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2021,rural,female,44,35-44,middle,tertiary,unemployed,120.15,1,good,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,27,25-34,lowest,primary,employed_informal,72.26,2,limited,1,232,1,commercial_bank,6074.41,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2024,urban,female,49,45-54,lowest,secondary,self_employed,120.85,8,limited,1,755,1,sacco,6450.1,none,business,1,6431.09,0.3,24,348.27,current,not_applicable,moderate_burden
Rwanda,2019,rural,male,18,18-24,fourth,primary,employed_formal,171.55,9,good,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,47,45-54,lowest,none,employed_formal,88.12,4,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,male,37,35-44,lowest,none,employed_informal,112.48,5,good,1,112,1,commercial_bank,3578.08,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2023,urban,male,43,35-44,highest,primary,employed_formal,4397.97,9,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,69,55+,highest,secondary,employed_formal,2343.63,4,none,0,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,57,55+,lowest,primary,self_employed,90.62,5,good,1,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,24,18-24,fourth,secondary,self_employed,295.35,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,28,25-34,fourth,primary,employed_informal,115.6,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,25,18-24,second,secondary,farmer,159.85,10,none,0,284,1,informal_lender,4155.97,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2020,urban,male,56,55+,second,secondary,self_employed,420.05,4,excellent,0,732,1,sacco,1757.8,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2018,rural,male,37,35-44,middle,secondary,farmer,134.89,8,none,0,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,male,60,55+,second,secondary,employed_informal,203.25,7,none,0,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,male,39,35-44,lowest,primary,farmer,143.93,7,none,1,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,69,55+,lowest,primary,farmer,17.16,3,none,0,494,1,microfinance,1748.7,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2024,rural,female,33,25-34,second,secondary,employed_formal,64.23,8,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,47,45-54,highest,secondary,employed_informal,836.83,1,limited,1,664,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,21,18-24,highest,none,employed_informal,1225.57,5,none,0,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,female,39,35-44,second,primary,farmer,62.88,10,limited,0,632,1,family_friends,1641.8,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2020,urban,female,42,35-44,middle,primary,farmer,86.52,1,limited,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,male,40,35-44,fourth,secondary,employed_informal,115.47,1,none,1,483,1,family_friends,2265.58,equipment,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2025,rural,male,42,35-44,second,secondary,self_employed,30.76,6,good,0,850,1,microfinance,3188.53,vehicle,business,1,3073.83,0.321,36,112.78,late_60_days,not_applicable,moderate_burden
Mali,2024,urban,female,54,45-54,fourth,primary,employed_informal,375.66,7,none,0,424,1,sacco,3382.52,savings,business,1,3112.84,0.291,24,167.4,defaulted,not_applicable,moderate_burden
Kenya,2022,urban,female,25,18-24,lowest,secondary,employed_formal,90.6,5,none,1,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,22,18-24,highest,none,employed_formal,253.14,10,good,1,527,1,commercial_bank,18879.99,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2021,rural,female,34,25-34,second,secondary,employed_informal,92.28,10,limited,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,51,45-54,highest,primary,farmer,208.77,10,none,0,126,1,family_friends,4433.2,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2021,rural,female,54,45-54,lowest,none,unemployed,24.08,1,good,1,121,1,microfinance,1544.23,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2024,rural,female,34,25-34,lowest,primary,farmer,76.25,9,none,0,565,1,microfinance,3455.48,none,agriculture,1,2841.43,0.335,18,210.68,current,not_applicable,moderate_burden
Mali,2021,urban,female,21,18-24,lowest,none,farmer,79.27,10,none,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,male,55,45-54,fourth,none,self_employed,224.5,4,none,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,60,55+,lowest,none,farmer,40.47,2,none,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,21,18-24,second,secondary,farmer,111.06,2,limited,1,362,1,digital_lender,1473.16,vehicle,business,1,1213.37,0.435,36,48.37,current,not_applicable,moderate_burden
Rwanda,2019,urban,female,30,25-34,lowest,secondary,unemployed,59.99,1,limited,1,152,1,sacco,4457.05,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2021,urban,male,39,35-44,highest,secondary,farmer,1319.99,6,none,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,41,35-44,highest,tertiary,self_employed,200.82,1,excellent,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,40,35-44,lowest,primary,self_employed,125.55,9,none,0,352,1,sacco,1351.94,none,agriculture,1,1091.42,0.333,24,60.61,current,not_applicable,moderate_burden
Malawi,2023,urban,female,27,25-34,lowest,none,self_employed,83.48,9,limited,1,744,1,commercial_bank,6550.12,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2020,rural,female,46,45-54,second,tertiary,employed_informal,144.25,6,good,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,46,45-54,middle,tertiary,self_employed,253.45,4,limited,1,740,1,sacco,8275.53,none,consumption,1,7390.66,0.319,12,812.42,current,not_applicable,moderate_burden
Tanzania,2024,urban,male,25,18-24,second,secondary,unemployed,67.12,4,none,0,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,53,45-54,highest,tertiary,employed_informal,1411.01,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,47,45-54,lowest,tertiary,farmer,94.54,5,limited,1,100,1,microfinance,3671.15,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2023,urban,female,30,25-34,middle,primary,farmer,1144.92,10,none,0,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,male,28,25-34,lowest,secondary,farmer,103.84,4,limited,0,686,1,microfinance,2774.83,savings,asset_purchase,1,2567.65,0.33,24,142.33,current,not_applicable,moderate_burden
South Africa,2025,rural,female,60,55+,lowest,tertiary,farmer,41.41,2,none,0,101,1,family_friends,732.23,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,rural,male,41,35-44,lowest,none,self_employed,57.65,6,none,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,59,55+,middle,secondary,self_employed,568.3,2,limited,1,111,1,microfinance,5518.55,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2020,rural,female,49,45-54,fourth,none,employed_formal,387.58,10,limited,0,214,1,digital_lender,12127.62,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2021,urban,female,44,35-44,highest,tertiary,unemployed,1213.39,5,none,0,654,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,43,35-44,highest,none,unemployed,803.63,2,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,urban,female,33,25-34,fourth,none,employed_informal,589.15,1,none,1,0,1,family_friends,10081.51,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2020,rural,male,22,18-24,lowest,primary,unemployed,81.08,1,none,0,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,23,18-24,lowest,tertiary,farmer,129.53,7,limited,1,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,male,41,35-44,second,primary,self_employed,178.41,4,good,0,555,1,microfinance,4844.52,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ghana,2024,rural,female,19,18-24,lowest,secondary,unemployed,18.52,4,limited,0,186,1,informal_lender,2471.35,guarantor,agriculture,1,2027.82,0.759,12,297.31,late_30_days,not_applicable,moderate_burden
Zambia,2021,urban,male,64,55+,fourth,primary,employed_informal,334.29,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,61,55+,fourth,primary,employed_informal,107.23,3,limited,0,545,1,family_friends,2826.85,equipment,business,1,2271.8,0.027,18,129.65,current,not_applicable,moderate_burden
Ethiopia,2019,urban,male,58,55+,fourth,secondary,self_employed,277.19,10,limited,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,64,55+,fourth,secondary,employed_formal,136.88,8,excellent,1,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,urban,female,26,25-34,middle,secondary,employed_informal,267.8,3,limited,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,52,45-54,fourth,primary,employed_informal,312.68,8,none,1,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,59,55+,middle,none,self_employed,57.47,1,none,0,602,1,digital_lender,3219.13,guarantor,agriculture,1,2893.71,0.455,18,233.97,late_30_days,not_applicable,moderate_burden
Tanzania,2020,urban,female,48,45-54,middle,tertiary,employed_informal,177.93,3,none,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,male,59,55+,highest,tertiary,unemployed,220.69,1,none,1,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,22,18-24,second,primary,employed_informal,149.31,7,good,0,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,female,51,45-54,fourth,tertiary,unemployed,146.62,6,limited,0,370,1,family_friends,1828.13,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2019,urban,female,25,18-24,middle,none,self_employed,272.98,4,none,1,53,1,digital_lender,8707.23,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Niger,2024,rural,female,55,45-54,fourth,primary,self_employed,714.03,5,limited,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,male,47,45-54,fourth,none,employed_informal,257.5,3,none,0,731,1,microfinance,5480.95,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2020,rural,female,57,55+,lowest,secondary,self_employed,50.63,5,limited,0,793,1,informal_lender,3762.62,guarantor,emergency,1,3745.35,0.787,24,278.89,current,not_applicable,moderate_burden
Rwanda,2021,rural,male,44,35-44,highest,tertiary,unemployed,762.39,1,good,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,62,55+,second,secondary,self_employed,134.97,6,none,0,0,1,microfinance,1839.9,property,business,1,1589.46,0.319,24,87.36,paid_off,not_applicable,moderate_burden
Rwanda,2018,rural,female,54,45-54,highest,tertiary,farmer,544.53,4,none,0,335,1,informal_lender,11647.71,equipment,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2022,rural,male,26,25-34,fourth,secondary,self_employed,718.91,6,none,0,532,1,commercial_bank,3318.08,equipment,education,1,3262.86,0.185,48,80.53,current,not_applicable,moderate_burden
Nigeria,2022,rural,female,69,55+,middle,secondary,self_employed,98.48,10,none,0,366,1,informal_lender,1946.11,guarantor,asset_purchase,1,1945.69,0.754,12,284.36,late_60_days,not_applicable,moderate_burden
Tanzania,2024,urban,male,62,55+,fourth,primary,self_employed,1443.42,5,limited,0,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,56,55+,second,none,employed_informal,66.43,7,limited,1,324,1,microfinance,4299.58,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2025,urban,female,26,25-34,middle,primary,employed_formal,350.85,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,male,59,55+,lowest,tertiary,farmer,91.02,7,excellent,1,515,1,digital_lender,1636.12,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2022,rural,male,55,45-54,middle,none,self_employed,208.9,3,limited,1,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,41,35-44,lowest,none,employed_informal,25.42,6,none,0,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,20,18-24,lowest,none,self_employed,40.05,2,none,0,76,1,family_friends,1937.35,vehicle,business,1,1726.62,0.088,12,156.51,current,not_applicable,moderate_burden
Mali,2023,urban,female,27,25-34,fourth,primary,unemployed,371.12,3,none,0,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,37,35-44,middle,none,employed_informal,112.73,1,limited,0,754,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,60,55+,lowest,secondary,employed_formal,47.93,6,good,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,62,55+,second,primary,self_employed,48.16,7,none,1,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,59,55+,highest,secondary,self_employed,820.4,6,limited,1,373,1,microfinance,4873.31,guarantor,agriculture,1,4171.42,0.312,18,304.15,current,not_applicable,moderate_burden
Rwanda,2021,rural,male,59,55+,second,secondary,employed_informal,440.55,6,none,0,261,1,sacco,2163.59,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2024,urban,male,62,55+,fourth,primary,employed_informal,1548.4,5,none,1,194,1,commercial_bank,2071.29,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2020,rural,female,57,55+,lowest,secondary,self_employed,74.86,2,good,1,542,1,family_friends,1569.55,none,education,1,1495.72,0.01,18,83.89,current,not_applicable,moderate_burden
Tanzania,2023,rural,male,23,18-24,fourth,primary,self_employed,468.62,2,good,0,727,1,digital_lender,2951.25,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2024,urban,female,56,55+,middle,tertiary,farmer,154.91,6,none,1,0,1,commercial_bank,1131.46,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2023,rural,female,21,18-24,second,secondary,self_employed,250.21,5,none,1,102,1,microfinance,8886.87,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2021,rural,male,44,35-44,second,secondary,employed_informal,143.0,10,none,0,224,1,family_friends,3430.65,none,consumption,1,2840.48,0.016,36,80.14,current,not_applicable,moderate_burden
Uganda,2025,rural,male,59,55+,highest,primary,farmer,816.84,7,none,1,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,48,45-54,fourth,secondary,farmer,2167.78,6,none,0,626,1,informal_lender,11001.03,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2024,rural,male,38,35-44,middle,secondary,employed_informal,379.74,5,limited,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,57,55+,middle,primary,farmer,1211.97,2,none,0,526,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,23,18-24,second,primary,self_employed,36.3,9,none,1,175,1,digital_lender,6507.51,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2021,rural,male,22,18-24,highest,primary,self_employed,1050.96,10,none,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,47,45-54,fourth,none,self_employed,119.93,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,male,43,35-44,fourth,secondary,employed_informal,278.41,2,limited,0,126,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,23,18-24,fourth,none,employed_formal,85.03,9,none,1,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,male,38,35-44,fourth,tertiary,self_employed,878.09,6,limited,0,466,1,informal_lender,2581.84,none,asset_purchase,1,2548.4,0.846,6,784.26,current,not_applicable,moderate_burden
Ethiopia,2018,rural,female,29,25-34,lowest,primary,self_employed,20.75,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,33,25-34,lowest,secondary,farmer,151.06,7,none,0,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,38,35-44,middle,secondary,self_employed,61.05,5,none,1,661,1,microfinance,8429.02,equipment,asset_purchase,1,7617.45,0.317,6,1672.26,current,not_applicable,moderate_burden
Kenya,2018,urban,female,23,18-24,middle,tertiary,farmer,228.42,6,none,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,female,54,45-54,highest,tertiary,self_employed,907.13,7,good,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,66,55+,second,none,farmer,119.15,7,limited,0,404,1,sacco,3375.58,savings,business,1,3076.74,0.271,24,162.91,paid_off,not_applicable,moderate_burden
Ethiopia,2023,rural,male,39,35-44,highest,primary,farmer,1263.8,6,none,1,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,male,54,45-54,second,primary,unemployed,98.49,4,good,0,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,female,36,35-44,highest,tertiary,self_employed,191.76,10,none,1,760,1,microfinance,2524.66,equipment,education,1,2195.52,0.323,24,121.03,current,not_applicable,moderate_burden
Kenya,2021,rural,male,30,25-34,highest,secondary,farmer,884.13,6,none,1,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,59,55+,middle,primary,farmer,239.38,4,limited,0,283,1,family_friends,2092.89,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2023,rural,female,67,55+,second,primary,self_employed,93.82,9,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,32,25-34,middle,secondary,self_employed,133.22,6,none,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,female,46,45-54,second,secondary,farmer,32.16,10,limited,1,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,54,45-54,middle,primary,employed_informal,179.83,3,none,1,150,1,digital_lender,4279.96,guarantor,education,1,3746.64,0.401,24,218.77,late_60_days,not_applicable,moderate_burden
South Africa,2024,rural,male,21,18-24,lowest,secondary,farmer,123.32,1,none,0,120,1,family_friends,8563.89,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2019,rural,male,59,55+,highest,secondary,unemployed,237.17,3,good,0,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,female,64,55+,lowest,secondary,employed_informal,34.32,3,none,1,10,1,commercial_bank,1062.8,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2020,rural,male,20,18-24,fourth,primary,farmer,847.15,3,limited,0,301,1,sacco,20000.25,none,emergency,1,19701.74,0.369,12,2248.46,late_60_days,not_applicable,moderate_burden
Tanzania,2020,urban,female,64,55+,middle,secondary,employed_informal,846.14,3,limited,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,55,45-54,highest,secondary,self_employed,348.59,6,none,0,291,1,family_friends,3065.36,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2018,rural,female,32,25-34,lowest,primary,self_employed,119.23,1,none,0,749,1,microfinance,3402.22,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2024,rural,male,52,45-54,lowest,none,self_employed,79.02,6,excellent,0,232,1,microfinance,2672.66,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2025,rural,female,36,35-44,second,none,employed_informal,45.45,1,limited,1,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,39,35-44,lowest,secondary,self_employed,14.57,8,limited,0,492,1,informal_lender,436.3,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2021,urban,male,33,25-34,highest,tertiary,employed_informal,1670.23,4,limited,0,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,52,45-54,lowest,primary,unemployed,13.89,1,limited,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,female,19,18-24,fourth,none,self_employed,430.41,5,good,1,465,1,sacco,1957.54,guarantor,business,1,1849.48,0.326,24,102.18,current,not_applicable,moderate_burden
Zambia,2024,rural,male,33,25-34,middle,none,unemployed,105.76,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,63,55+,highest,tertiary,employed_informal,247.85,5,excellent,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,37,35-44,fourth,primary,farmer,262.78,5,none,0,0,1,informal_lender,5149.2,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2022,urban,female,23,18-24,middle,tertiary,unemployed,296.07,4,limited,0,221,1,microfinance,10920.92,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2024,rural,male,39,35-44,lowest,secondary,employed_informal,68.58,6,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,female,32,25-34,lowest,primary,employed_informal,265.25,2,limited,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,34,25-34,middle,none,employed_informal,196.16,7,good,0,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,24,18-24,second,tertiary,employed_informal,149.69,1,limited,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,56,55+,fourth,tertiary,employed_informal,1139.47,1,none,1,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,male,68,55+,second,tertiary,employed_formal,275.6,7,none,0,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,59,55+,lowest,primary,self_employed,39.83,2,limited,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,61,55+,lowest,secondary,self_employed,64.08,7,none,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,male,55,45-54,second,none,employed_informal,43.09,6,limited,0,72,1,digital_lender,4053.08,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2025,urban,female,22,18-24,highest,primary,employed_informal,1617.35,5,none,0,705,1,family_friends,6008.38,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,rural,male,36,35-44,middle,tertiary,self_employed,145.78,7,none,0,287,1,microfinance,3293.71,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2018,urban,male,58,55+,second,primary,self_employed,132.5,8,limited,1,532,1,microfinance,4716.03,guarantor,business,1,4558.79,0.368,18,346.53,current,not_applicable,moderate_burden
Kenya,2018,urban,female,25,18-24,highest,tertiary,employed_formal,1593.22,10,limited,1,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,32,25-34,second,tertiary,employed_informal,148.06,2,limited,0,726,1,family_friends,1352.97,none,business,1,1312.3,0.032,12,112.88,current,not_applicable,moderate_burden
Mali,2019,rural,female,56,55+,lowest,secondary,farmer,52.56,10,excellent,1,373,1,commercial_bank,1165.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2021,urban,male,24,18-24,middle,none,self_employed,266.64,6,good,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,61,55+,highest,secondary,employed_informal,305.8,10,none,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,female,42,35-44,highest,none,self_employed,416.71,7,limited,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,22,18-24,fourth,secondary,self_employed,518.28,6,limited,1,495,1,microfinance,5099.54,guarantor,business,1,4644.03,0.275,36,164.46,current,not_applicable,moderate_burden
Rwanda,2021,rural,male,41,35-44,middle,primary,farmer,331.92,5,excellent,0,769,1,informal_lender,3350.41,guarantor,business,1,2703.9,0.815,36,136.31,current,not_applicable,moderate_burden
Senegal,2025,urban,female,34,25-34,lowest,primary,employed_informal,150.06,4,none,0,10,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,26,25-34,fourth,none,employed_informal,410.63,8,good,1,598,1,informal_lender,3248.86,savings,debt_consolidation,1,3073.15,0.767,6,904.98,current,not_applicable,moderate_burden
Mozambique,2025,rural,male,49,45-54,fourth,secondary,employed_formal,347.06,7,limited,1,637,1,commercial_bank,6976.03,guarantor,debt_consolidation,1,6477.02,0.23,48,165.97,current,not_applicable,moderate_burden
DRC,2020,rural,female,52,45-54,second,primary,self_employed,203.01,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,38,35-44,highest,tertiary,self_employed,244.58,6,none,0,490,1,informal_lender,5181.97,none,consumption,1,4696.71,0.813,6,1418.96,current,not_applicable,moderate_burden
Tanzania,2019,rural,female,22,18-24,middle,primary,self_employed,282.31,4,none,0,146,1,family_friends,12504.07,property,emergency,1,10239.27,0.024,6,1747.93,current,not_applicable,moderate_burden
Zambia,2018,urban,male,20,18-24,lowest,secondary,farmer,63.35,5,none,0,553,1,informal_lender,1140.68,none,debt_consolidation,1,1058.3,0.844,48,40.66,paid_off,not_applicable,moderate_burden
Zambia,2018,rural,male,56,55+,second,primary,employed_formal,122.44,10,limited,1,746,1,commercial_bank,779.28,guarantor,business,1,660.37,0.151,18,42.21,current,not_applicable,moderate_burden
Mali,2022,urban,male,26,25-34,lowest,secondary,employed_informal,165.08,4,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,37,35-44,highest,secondary,self_employed,835.5,4,limited,1,775,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,20,18-24,second,primary,employed_formal,108.12,10,good,0,752,1,informal_lender,2756.78,guarantor,education,1,2342.49,0.795,24,175.19,current,not_applicable,moderate_burden
Kenya,2024,urban,female,32,25-34,middle,secondary,employed_formal,78.96,10,none,1,64,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,male,52,45-54,fourth,primary,self_employed,274.8,7,none,1,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,42,35-44,fourth,primary,employed_informal,220.01,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,male,36,35-44,lowest,none,employed_informal,294.38,6,none,1,672,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,23,18-24,lowest,secondary,self_employed,72.99,3,limited,1,360,1,sacco,3657.07,guarantor,business,1,2998.08,0.282,18,213.48,current,not_applicable,moderate_burden
Malawi,2022,urban,female,39,35-44,second,tertiary,self_employed,221.26,2,none,1,642,1,microfinance,11779.57,guarantor,asset_purchase,1,11230.17,0.357,36,423.32,paid_off,not_applicable,moderate_burden
Mali,2019,rural,female,67,55+,second,tertiary,self_employed,171.0,9,excellent,0,308,1,sacco,4939.12,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2019,urban,male,21,18-24,second,secondary,employed_formal,613.84,10,good,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,67,55+,lowest,primary,unemployed,133.34,6,none,1,17,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,male,45,35-44,fourth,secondary,unemployed,183.36,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,22,18-24,fourth,secondary,self_employed,1067.31,5,good,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,26,25-34,second,tertiary,employed_informal,60.75,5,excellent,0,784,1,family_friends,3699.53,equipment,asset_purchase,1,3091.26,0.026,6,528.49,current,not_applicable,moderate_burden
Nigeria,2018,urban,male,61,55+,middle,secondary,unemployed,536.45,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,43,35-44,lowest,none,self_employed,101.15,3,excellent,1,466,1,digital_lender,6446.27,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2020,rural,female,53,45-54,highest,primary,farmer,854.29,10,none,1,487,1,commercial_bank,8796.18,savings,business,1,7401.27,0.193,48,183.89,paid_off,not_applicable,moderate_burden
Ethiopia,2023,rural,female,51,45-54,fourth,secondary,employed_informal,363.6,10,limited,1,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,64,55+,fourth,none,employed_informal,534.31,6,good,1,201,1,digital_lender,2315.56,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2020,rural,female,22,18-24,lowest,secondary,farmer,39.26,5,none,0,722,1,sacco,773.51,none,housing,1,619.29,0.311,36,22.56,current,not_applicable,moderate_burden
Rwanda,2021,rural,male,21,18-24,middle,none,farmer,154.36,10,none,1,119,1,family_friends,5894.82,guarantor,agriculture,1,5652.08,0.026,12,483.31,current,not_applicable,moderate_burden
DRC,2018,rural,male,56,55+,second,primary,unemployed,411.91,6,none,0,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,48,45-54,highest,primary,self_employed,514.88,4,limited,1,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,male,65,55+,middle,primary,unemployed,177.59,1,none,1,144,1,informal_lender,9031.57,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2019,rural,male,66,55+,lowest,tertiary,employed_informal,16.6,2,none,1,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,54,45-54,middle,primary,unemployed,97.94,1,limited,0,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,57,55+,fourth,secondary,farmer,238.79,5,limited,1,699,1,commercial_bank,7125.23,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2023,rural,male,69,55+,middle,tertiary,unemployed,160.14,3,none,1,690,1,commercial_bank,5320.3,equipment,business,1,4820.6,0.212,12,487.04,current,not_applicable,moderate_burden
Mozambique,2018,rural,female,46,45-54,highest,secondary,self_employed,230.34,6,good,1,229,1,digital_lender,10046.54,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2022,rural,male,32,25-34,lowest,none,unemployed,119.5,3,limited,0,289,1,family_friends,3422.23,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2022,urban,female,39,35-44,second,primary,farmer,256.89,7,none,1,251,1,digital_lender,5482.9,savings,business,1,4424.27,0.417,12,522.46,current,not_applicable,moderate_burden
DRC,2025,rural,female,36,35-44,second,none,self_employed,143.2,2,none,0,0,1,family_friends,4414.26,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2018,urban,male,28,25-34,highest,secondary,farmer,408.24,10,limited,0,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,male,34,25-34,second,tertiary,employed_informal,178.42,4,good,1,172,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,46,45-54,fourth,tertiary,employed_formal,343.48,10,limited,0,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,47,45-54,second,secondary,farmer,84.54,5,limited,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,male,46,45-54,second,primary,employed_informal,124.28,8,limited,0,78,1,microfinance,14821.81,savings,asset_purchase,1,12484.96,0.279,18,887.21,current,not_applicable,moderate_burden
Malawi,2019,urban,male,41,35-44,fourth,primary,farmer,272.82,7,none,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,male,24,18-24,lowest,secondary,farmer,145.4,1,good,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,male,27,25-34,second,none,self_employed,145.78,9,none,1,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,55,45-54,highest,secondary,employed_informal,1981.31,8,none,1,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,female,27,25-34,fourth,primary,employed_informal,365.61,4,none,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,59,55+,middle,none,self_employed,349.27,10,none,1,363,1,commercial_bank,3283.77,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2019,urban,male,27,25-34,lowest,none,farmer,86.6,3,none,0,318,1,informal_lender,3804.34,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2024,urban,female,28,25-34,middle,primary,self_employed,378.65,4,none,0,0,1,informal_lender,4395.8,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2018,urban,male,32,25-34,lowest,primary,unemployed,19.65,2,limited,1,795,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,female,67,55+,lowest,none,farmer,18.71,10,none,1,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,urban,female,37,35-44,lowest,secondary,self_employed,51.37,8,limited,0,74,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,54,45-54,fourth,secondary,farmer,355.15,7,none,0,372,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,23,18-24,middle,none,self_employed,207.58,8,none,0,59,1,microfinance,2803.83,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2024,rural,male,46,45-54,middle,primary,self_employed,1016.75,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,39,35-44,second,primary,self_employed,257.61,5,limited,1,391,1,commercial_bank,8295.15,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2025,rural,male,39,35-44,fourth,secondary,farmer,512.71,7,none,0,33,1,informal_lender,18062.15,property,education,1,16531.2,0.779,6,4902.55,defaulted,not_applicable,moderate_burden
Ethiopia,2022,rural,male,19,18-24,middle,secondary,employed_informal,1120.41,9,good,0,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,19,18-24,second,primary,farmer,113.31,9,none,0,525,1,family_friends,1733.76,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2020,urban,male,34,25-34,middle,secondary,unemployed,714.85,3,none,1,738,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,urban,female,67,55+,lowest,secondary,self_employed,68.14,4,limited,0,121,1,sacco,1601.37,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2018,urban,male,18,18-24,fourth,none,farmer,565.87,7,limited,1,234,1,family_friends,7890.44,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2023,urban,male,21,18-24,highest,secondary,self_employed,686.28,9,good,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,29,25-34,lowest,tertiary,employed_informal,90.15,7,limited,1,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,27,25-34,highest,tertiary,self_employed,178.7,10,none,0,784,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,52,45-54,lowest,secondary,self_employed,87.42,5,limited,0,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,49,45-54,middle,primary,farmer,172.14,9,none,0,339,1,microfinance,2113.67,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2023,urban,female,59,55+,highest,none,unemployed,2061.5,2,none,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,18,18-24,second,primary,self_employed,167.28,7,good,0,598,1,family_friends,5986.46,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2021,rural,female,50,45-54,middle,secondary,unemployed,270.7,2,none,1,515,1,digital_lender,7193.15,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,rural,male,53,45-54,fourth,secondary,employed_informal,334.42,7,good,0,850,1,digital_lender,5467.96,vehicle,emergency,1,4564.94,0.454,24,276.57,current,not_applicable,moderate_burden
Mali,2023,urban,female,63,55+,middle,none,self_employed,320.07,1,excellent,1,195,1,microfinance,4939.45,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2022,urban,male,41,35-44,second,primary,employed_informal,105.95,5,good,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,male,42,35-44,lowest,secondary,farmer,86.07,7,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,41,35-44,fourth,none,self_employed,164.03,5,excellent,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,65,55+,second,primary,employed_informal,160.31,5,good,1,350,1,digital_lender,6073.01,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2019,rural,female,21,18-24,fourth,tertiary,employed_informal,126.01,1,limited,1,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,38,35-44,second,primary,employed_informal,262.53,5,limited,1,19,1,commercial_bank,6176.68,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2021,urban,female,49,45-54,second,none,self_employed,165.8,8,limited,0,78,1,microfinance,2957.26,savings,housing,1,2496.39,0.328,12,276.18,late_30_days,not_applicable,moderate_burden
South Africa,2020,rural,female,64,55+,highest,secondary,self_employed,794.94,3,limited,0,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,male,45,35-44,lowest,tertiary,farmer,42.8,1,good,1,665,1,sacco,1335.07,guarantor,business,1,1135.72,0.291,12,122.18,current,not_applicable,moderate_burden
Ethiopia,2018,urban,male,56,55+,highest,primary,self_employed,711.5,9,limited,1,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,51,45-54,middle,tertiary,employed_informal,193.4,3,limited,0,235,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,49,45-54,fourth,secondary,farmer,401.76,1,none,0,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,female,58,55+,fourth,primary,farmer,293.06,1,limited,0,373,1,informal_lender,3225.26,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2025,urban,female,26,25-34,second,primary,employed_informal,180.81,2,none,0,243,1,commercial_bank,8476.24,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2021,rural,female,34,25-34,middle,primary,self_employed,143.15,8,good,0,850,1,informal_lender,3375.64,none,consumption,1,3150.33,0.807,24,237.19,current,not_applicable,moderate_burden
Rwanda,2025,urban,male,57,55+,middle,secondary,employed_formal,655.93,5,none,0,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,38,35-44,second,secondary,unemployed,138.07,1,none,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,male,41,35-44,lowest,none,employed_informal,80.35,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,65,55+,fourth,primary,employed_informal,1163.94,3,excellent,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,22,18-24,second,tertiary,employed_informal,191.89,4,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,male,53,45-54,second,primary,employed_formal,186.65,7,none,1,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,male,58,55+,middle,secondary,employed_informal,439.55,3,excellent,1,302,1,digital_lender,9956.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2021,rural,male,43,35-44,middle,none,employed_formal,95.63,4,excellent,0,511,1,informal_lender,6426.71,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2020,rural,male,39,35-44,highest,secondary,employed_informal,667.96,7,good,1,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,female,63,55+,second,primary,employed_informal,181.02,3,none,1,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,34,25-34,second,primary,farmer,63.66,5,none,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,62,55+,middle,none,self_employed,1085.51,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,46,45-54,lowest,none,employed_formal,125.38,10,none,0,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,67,55+,second,secondary,unemployed,100.17,1,limited,0,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,62,55+,middle,primary,employed_informal,338.39,8,limited,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,male,36,35-44,lowest,tertiary,employed_informal,35.51,2,good,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,male,42,35-44,fourth,tertiary,employed_informal,359.98,2,limited,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,40,35-44,second,primary,employed_informal,117.38,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,63,55+,lowest,secondary,farmer,105.69,9,limited,0,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,43,35-44,highest,secondary,employed_informal,586.14,5,excellent,1,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,65,55+,lowest,none,farmer,194.79,10,none,1,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,25,18-24,middle,secondary,employed_formal,284.33,8,limited,1,613,1,informal_lender,2018.9,none,education,1,1825.08,0.779,24,135.26,current,not_applicable,moderate_burden
Tanzania,2022,rural,male,26,25-34,second,none,farmer,154.73,5,none,1,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,female,40,35-44,lowest,secondary,employed_formal,125.68,7,none,0,136,1,microfinance,2912.25,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2018,urban,male,55,45-54,middle,primary,unemployed,301.0,1,good,1,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,23,18-24,second,secondary,unemployed,297.83,3,limited,0,59,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,56,55+,fourth,primary,self_employed,533.88,10,none,0,455,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,female,61,55+,second,tertiary,unemployed,232.73,1,limited,0,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,female,68,55+,middle,secondary,self_employed,121.51,4,excellent,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,female,62,55+,lowest,none,unemployed,52.56,1,none,1,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,47,45-54,second,primary,employed_formal,135.8,8,none,1,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,38,35-44,lowest,none,employed_informal,24.32,5,limited,1,676,1,microfinance,2762.12,none,asset_purchase,1,2741.94,0.361,12,311.07,current,not_applicable,moderate_burden
Tanzania,2023,rural,female,42,35-44,middle,secondary,farmer,356.7,5,none,0,707,1,informal_lender,6983.65,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2019,urban,female,26,25-34,second,none,farmer,126.65,9,excellent,1,850,1,commercial_bank,4977.66,savings,consumption,1,4318.67,0.196,18,286.99,current,not_applicable,moderate_burden
Uganda,2019,rural,female,58,55+,highest,tertiary,employed_informal,1472.1,7,good,0,742,1,family_friends,4844.86,guarantor,emergency,1,4322.79,0.078,36,129.42,current,not_applicable,moderate_burden
Ethiopia,2022,urban,male,27,25-34,second,tertiary,self_employed,331.45,4,limited,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,47,45-54,lowest,secondary,employed_informal,363.93,2,limited,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,male,60,55+,second,primary,self_employed,304.34,3,good,1,541,1,microfinance,2605.89,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
DRC,2018,urban,female,56,55+,second,primary,employed_informal,229.16,9,good,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,50,45-54,fourth,primary,self_employed,916.05,9,good,0,790,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,male,52,45-54,fourth,none,unemployed,143.11,4,good,0,850,1,microfinance,2658.99,savings,business,1,2479.92,0.326,12,274.13,current,not_applicable,moderate_burden
Uganda,2023,rural,male,62,55+,lowest,primary,employed_informal,84.16,9,limited,0,59,1,sacco,7239.54,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2022,rural,female,32,25-34,middle,secondary,farmer,141.57,7,none,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,38,35-44,middle,primary,farmer,502.67,2,limited,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,34,25-34,lowest,tertiary,employed_informal,66.2,9,good,1,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,female,55,45-54,lowest,secondary,farmer,133.6,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,48,45-54,second,tertiary,employed_informal,237.75,10,none,1,616,1,commercial_bank,1092.76,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2021,rural,male,22,18-24,highest,primary,employed_informal,928.45,5,good,1,408,1,informal_lender,13470.65,equipment,education,1,12752.73,0.836,18,1300.46,current,not_applicable,moderate_burden
Mozambique,2018,rural,female,23,18-24,lowest,secondary,self_employed,130.93,8,limited,0,617,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,female,27,25-34,second,secondary,employed_informal,184.62,2,good,1,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,66,55+,fourth,secondary,employed_formal,817.74,4,good,0,438,1,family_friends,6753.39,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2023,rural,male,26,25-34,second,tertiary,employed_formal,56.33,8,none,0,114,1,microfinance,7357.88,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2023,urban,male,31,25-34,lowest,none,employed_informal,86.28,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,56,55+,highest,tertiary,farmer,1209.47,1,none,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,51,45-54,lowest,primary,employed_formal,120.1,4,limited,1,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,female,61,55+,fourth,primary,self_employed,231.94,5,none,1,352,1,commercial_bank,6328.58,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2018,urban,female,62,55+,second,secondary,employed_informal,695.16,4,limited,0,502,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,male,33,25-34,highest,none,employed_formal,2907.5,8,none,0,294,1,microfinance,2540.12,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2024,rural,female,33,25-34,second,primary,employed_formal,431.47,10,none,1,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,47,45-54,lowest,primary,farmer,205.69,1,none,0,414,1,informal_lender,3544.38,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2023,rural,female,26,25-34,lowest,secondary,farmer,50.4,9,none,1,35,1,employer,9254.74,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2018,rural,male,36,35-44,middle,secondary,employed_formal,354.0,10,none,0,41,1,microfinance,7595.68,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2022,urban,male,57,55+,middle,secondary,self_employed,184.18,3,limited,0,439,1,employer,3759.77,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2019,rural,female,54,45-54,lowest,primary,employed_formal,22.67,4,none,1,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,64,55+,fourth,primary,self_employed,345.86,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,64,55+,lowest,primary,self_employed,30.27,3,limited,1,266,1,commercial_bank,4714.1,guarantor,agriculture,1,4640.55,0.158,24,224.0,current,not_applicable,moderate_burden
South Africa,2022,urban,male,19,18-24,middle,primary,farmer,289.93,10,none,1,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,31,25-34,fourth,primary,unemployed,908.59,4,good,0,800,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,22,18-24,second,secondary,farmer,399.37,4,limited,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,male,66,55+,second,none,employed_formal,208.25,6,good,0,519,1,family_friends,4272.97,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2024,urban,female,29,25-34,lowest,tertiary,self_employed,95.11,9,limited,1,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,59,55+,highest,secondary,unemployed,1056.72,2,none,1,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,female,56,55+,middle,secondary,self_employed,185.27,6,good,1,335,1,commercial_bank,3630.37,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2022,urban,male,47,45-54,lowest,tertiary,farmer,109.18,3,none,0,261,1,commercial_bank,2096.7,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2023,rural,female,42,35-44,highest,secondary,self_employed,1810.89,2,good,0,665,1,digital_lender,15863.82,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2019,rural,female,56,55+,second,primary,employed_formal,121.67,10,none,1,372,1,digital_lender,4032.48,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2018,urban,male,49,45-54,lowest,primary,employed_informal,104.21,1,good,1,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,26,25-34,second,secondary,farmer,66.99,5,none,0,541,1,family_friends,2019.06,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2024,urban,male,45,35-44,lowest,primary,employed_informal,30.92,2,limited,0,321,1,informal_lender,2220.09,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2022,rural,male,19,18-24,fourth,primary,farmer,430.47,6,good,0,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,46,45-54,lowest,tertiary,self_employed,82.95,8,limited,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,25,18-24,highest,secondary,self_employed,1907.71,1,none,1,647,1,digital_lender,22358.28,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2024,rural,male,43,35-44,fourth,primary,farmer,424.62,7,excellent,0,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,male,29,25-34,middle,primary,employed_informal,103.0,10,good,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,66,55+,second,primary,employed_formal,188.89,4,good,1,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,22,18-24,middle,none,self_employed,494.68,4,limited,1,431,1,microfinance,5002.09,guarantor,business,1,4907.25,0.323,6,1082.23,current,not_applicable,moderate_burden
Mozambique,2025,rural,male,52,45-54,second,none,farmer,101.57,6,limited,0,587,1,digital_lender,5820.68,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2018,rural,female,47,45-54,highest,none,self_employed,1267.59,9,none,0,283,1,digital_lender,4560.99,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2024,rural,male,18,18-24,middle,primary,employed_informal,24.8,7,none,0,516,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,male,23,18-24,fourth,tertiary,employed_informal,1087.69,2,good,0,693,1,informal_lender,4385.27,none,education,1,4123.23,0.792,6,1231.13,late_30_days,not_applicable,moderate_burden
Niger,2025,rural,female,57,55+,fourth,secondary,unemployed,108.15,1,none,0,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,54,45-54,second,none,employed_informal,146.97,7,excellent,0,831,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,39,35-44,lowest,tertiary,employed_informal,86.71,2,none,0,0,1,informal_lender,3587.28,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2020,rural,female,41,35-44,second,secondary,farmer,436.21,4,excellent,0,758,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,62,55+,second,primary,self_employed,101.75,2,limited,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,61,55+,fourth,primary,unemployed,378.19,2,none,1,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,33,25-34,lowest,primary,self_employed,83.3,4,none,0,250,1,informal_lender,2486.86,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2019,rural,male,39,35-44,fourth,none,self_employed,255.89,5,limited,0,612,1,family_friends,4629.08,savings,consumption,1,4581.17,0.093,24,208.57,current,not_applicable,moderate_burden
Tanzania,2022,rural,male,45,35-44,lowest,secondary,employed_informal,33.46,1,none,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,urban,male,60,55+,lowest,secondary,employed_informal,24.55,6,none,1,703,1,commercial_bank,2177.9,none,agriculture,1,1800.89,0.17,12,175.53,late_30_days,not_applicable,moderate_burden
Kenya,2020,urban,male,56,55+,lowest,primary,farmer,62.1,4,none,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,65,55+,middle,secondary,employed_informal,611.69,5,excellent,0,274,1,informal_lender,2345.6,property,asset_purchase,1,2267.09,0.764,18,222.16,paid_off,not_applicable,moderate_burden
Ethiopia,2024,urban,male,46,45-54,middle,primary,unemployed,950.45,1,good,1,173,1,family_friends,3220.03,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2024,urban,female,42,35-44,second,primary,farmer,125.76,9,none,0,0,1,informal_lender,5032.75,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2024,urban,female,30,25-34,middle,secondary,employed_formal,241.56,10,good,1,686,1,sacco,5313.31,savings,education,1,5048.05,0.302,36,182.63,current,not_applicable,moderate_burden
Kenya,2025,urban,female,32,25-34,second,secondary,employed_informal,43.0,2,limited,0,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,44,35-44,second,primary,self_employed,74.09,8,limited,0,663,1,sacco,1845.38,guarantor,business,1,1567.29,0.324,18,115.29,current,not_applicable,moderate_burden
Malawi,2020,urban,male,51,45-54,middle,primary,employed_informal,300.64,4,limited,0,32,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,41,35-44,highest,none,self_employed,932.76,10,good,0,278,1,commercial_bank,3826.67,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2025,rural,female,19,18-24,lowest,primary,employed_formal,34.82,10,limited,0,213,1,microfinance,995.82,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2019,urban,male,28,25-34,second,primary,farmer,96.73,7,none,1,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,50,45-54,middle,none,self_employed,986.84,5,limited,0,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,female,49,45-54,highest,secondary,farmer,295.39,2,none,0,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,male,66,55+,middle,secondary,employed_informal,460.35,2,none,0,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,male,37,35-44,second,primary,employed_informal,215.41,2,excellent,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,30,25-34,lowest,secondary,employed_formal,33.8,10,none,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,male,26,25-34,highest,none,self_employed,2429.95,5,none,0,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,31,25-34,lowest,none,self_employed,52.46,10,none,1,324,1,commercial_bank,2877.35,property,business,1,2521.06,0.218,12,255.95,late_30_days,not_applicable,moderate_burden
Tanzania,2024,rural,male,68,55+,fourth,primary,self_employed,566.34,6,good,0,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,56,55+,highest,secondary,employed_informal,757.97,5,excellent,1,850,1,family_friends,7667.05,none,business,1,6930.81,0.025,12,591.93,current,not_applicable,moderate_burden
Malawi,2025,rural,female,35,25-34,lowest,secondary,farmer,52.58,1,good,1,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,67,55+,fourth,primary,self_employed,171.73,2,limited,1,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,29,25-34,lowest,secondary,farmer,70.47,1,excellent,0,614,1,family_friends,3486.7,none,agriculture,1,3137.12,0.072,12,280.36,current,not_applicable,moderate_burden
Nigeria,2021,rural,male,43,35-44,lowest,primary,self_employed,48.99,6,good,0,718,1,family_friends,2100.5,vehicle,agriculture,1,1892.37,0.01,24,79.62,current,not_applicable,moderate_burden
Mozambique,2024,rural,male,47,45-54,middle,secondary,self_employed,113.58,7,limited,0,828,1,digital_lender,2098.09,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2018,urban,female,29,25-34,fourth,none,farmer,219.15,6,good,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,male,25,18-24,lowest,tertiary,employed_informal,297.88,3,none,1,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,53,45-54,lowest,secondary,farmer,44.65,9,limited,1,780,1,microfinance,3723.71,savings,business,1,3515.84,0.279,12,374.72,current,not_applicable,moderate_burden
Niger,2022,urban,male,54,45-54,fourth,tertiary,self_employed,784.29,3,good,0,740,1,family_friends,7855.37,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2020,urban,female,33,25-34,second,primary,self_employed,413.32,8,good,1,463,1,digital_lender,2055.56,equipment,agriculture,1,1707.1,0.44,18,136.59,defaulted,not_applicable,moderate_burden
Nigeria,2018,urban,female,38,35-44,middle,primary,self_employed,973.74,4,limited,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,29,25-34,lowest,secondary,farmer,74.39,8,none,1,170,1,commercial_bank,2308.5,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2019,rural,female,18,18-24,lowest,primary,farmer,13.15,1,none,0,106,1,informal_lender,3203.75,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2023,rural,male,51,45-54,lowest,none,farmer,53.67,8,limited,1,418,1,microfinance,948.53,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2019,urban,female,46,45-54,lowest,none,employed_formal,208.35,10,limited,1,336,1,commercial_bank,6328.71,none,agriculture,1,6107.07,0.138,24,289.54,current,not_applicable,moderate_burden
Nigeria,2019,urban,female,51,45-54,lowest,primary,self_employed,184.9,7,limited,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,65,55+,second,secondary,farmer,77.85,2,limited,1,586,1,digital_lender,4374.78,none,business,1,3544.3,0.454,24,214.76,late_30_days,not_applicable,moderate_burden
Tanzania,2024,urban,male,65,55+,highest,secondary,unemployed,1184.33,1,limited,1,167,1,microfinance,7288.25,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2025,urban,female,62,55+,middle,tertiary,self_employed,617.98,7,none,1,97,1,digital_lender,5957.52,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,rural,female,19,18-24,middle,primary,self_employed,130.15,3,none,0,454,1,digital_lender,3708.23,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2018,urban,male,23,18-24,second,secondary,self_employed,58.79,7,none,1,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,46,45-54,lowest,primary,employed_formal,182.99,9,excellent,0,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,65,55+,lowest,tertiary,self_employed,78.7,4,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,36,35-44,second,tertiary,employed_informal,44.14,5,none,0,628,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,male,25,18-24,fourth,primary,self_employed,315.78,5,limited,1,368,1,informal_lender,9281.55,property,agriculture,1,7532.59,0.775,6,2227.89,late_60_days,not_applicable,moderate_burden
DRC,2022,urban,female,62,55+,fourth,secondary,employed_informal,425.3,4,limited,1,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,female,20,18-24,highest,none,farmer,1362.49,7,none,1,793,1,sacco,16153.35,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2019,urban,female,47,45-54,middle,primary,self_employed,332.15,4,excellent,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,31,25-34,second,primary,farmer,125.57,4,good,1,351,1,commercial_bank,9114.57,savings,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2020,urban,female,43,35-44,middle,primary,employed_formal,235.11,8,none,0,118,1,commercial_bank,3923.36,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2022,urban,female,19,18-24,second,primary,employed_informal,339.21,8,limited,0,415,1,digital_lender,5372.09,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2025,urban,female,56,55+,highest,secondary,unemployed,459.31,1,limited,1,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,53,45-54,highest,secondary,employed_formal,1692.38,6,limited,0,850,1,microfinance,3103.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2020,rural,female,19,18-24,fourth,primary,farmer,541.28,2,limited,1,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,58,55+,highest,secondary,unemployed,490.64,1,limited,0,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,male,39,35-44,second,none,employed_informal,134.16,7,good,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,35,25-34,lowest,tertiary,employed_informal,27.36,5,none,0,416,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,20,18-24,lowest,primary,self_employed,32.28,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,24,18-24,fourth,primary,unemployed,1601.12,5,none,1,0,1,commercial_bank,14490.78,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2024,rural,female,43,35-44,middle,primary,farmer,189.11,5,good,0,151,1,microfinance,2884.69,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Zambia,2023,rural,male,37,35-44,middle,secondary,farmer,62.24,3,limited,1,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,39,35-44,highest,tertiary,farmer,198.49,9,none,1,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,69,55+,middle,secondary,self_employed,430.33,3,none,0,384,1,informal_lender,6445.34,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2022,rural,female,22,18-24,lowest,tertiary,self_employed,122.72,9,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,61,55+,middle,tertiary,employed_informal,139.03,5,limited,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,30,25-34,middle,secondary,unemployed,684.92,1,good,1,148,1,microfinance,5542.67,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2023,urban,female,41,35-44,second,primary,unemployed,93.98,5,none,0,341,1,informal_lender,8143.95,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2025,rural,female,33,25-34,middle,none,employed_formal,405.95,8,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,68,55+,fourth,primary,farmer,1172.14,4,good,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,male,19,18-24,middle,tertiary,employed_informal,408.06,5,none,1,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,male,31,25-34,lowest,primary,employed_formal,117.78,7,none,0,104,1,informal_lender,1669.86,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2020,rural,male,47,45-54,second,secondary,self_employed,361.49,4,none,1,380,1,microfinance,10401.22,none,agriculture,1,8778.23,0.359,12,994.38,current,not_applicable,moderate_burden
South Africa,2024,rural,female,35,25-34,lowest,tertiary,farmer,70.23,4,excellent,0,357,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,27,25-34,highest,secondary,employed_informal,572.82,8,good,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,61,55+,second,secondary,employed_informal,458.81,9,excellent,0,850,1,informal_lender,12440.63,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2025,rural,male,43,35-44,fourth,tertiary,self_employed,111.28,1,none,0,142,1,digital_lender,8932.19,savings,consumption,1,8893.1,0.497,24,554.76,current,not_applicable,moderate_burden
Zambia,2023,rural,female,19,18-24,second,tertiary,self_employed,91.81,9,none,0,714,1,informal_lender,3736.71,guarantor,asset_purchase,1,3504.8,0.848,24,269.94,late_30_days,not_applicable,moderate_burden
Ethiopia,2025,urban,male,62,55+,highest,secondary,employed_informal,572.61,3,none,1,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,male,65,55+,middle,primary,farmer,361.67,7,limited,0,798,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,48,45-54,second,primary,unemployed,1319.42,4,none,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,female,35,25-34,highest,primary,self_employed,564.96,4,good,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,female,20,18-24,second,tertiary,self_employed,111.73,7,none,1,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,26,25-34,fourth,secondary,farmer,261.74,8,none,0,694,1,digital_lender,6633.62,none,education,1,6591.48,0.41,12,774.42,current,not_applicable,moderate_burden
DRC,2020,urban,female,66,55+,second,secondary,farmer,234.62,1,none,0,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,female,56,55+,fourth,secondary,employed_informal,100.12,5,none,1,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,46,45-54,lowest,none,unemployed,154.01,1,good,1,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,61,55+,second,primary,employed_informal,125.79,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,69,55+,middle,primary,self_employed,155.79,5,good,0,161,1,microfinance,6284.64,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2020,urban,female,37,35-44,fourth,secondary,employed_informal,226.47,10,none,1,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,18,18-24,highest,primary,employed_informal,661.2,3,none,1,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,male,49,45-54,second,none,employed_informal,123.33,9,limited,1,291,1,family_friends,2386.16,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2024,rural,male,59,55+,fourth,primary,farmer,344.61,6,limited,0,744,1,family_friends,3822.46,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2025,rural,female,48,45-54,fourth,tertiary,unemployed,871.77,1,limited,1,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,male,55,45-54,fourth,none,self_employed,796.82,10,none,0,639,1,family_friends,6658.66,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2021,rural,female,55,45-54,middle,secondary,self_employed,218.76,4,good,1,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,male,65,55+,second,secondary,employed_formal,162.62,10,none,1,151,1,informal_lender,3338.44,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2020,urban,female,20,18-24,highest,primary,self_employed,1903.98,4,none,0,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,49,45-54,lowest,none,unemployed,103.87,1,none,0,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,male,37,35-44,middle,secondary,farmer,363.06,10,none,1,666,1,digital_lender,11816.7,guarantor,education,1,11132.66,0.411,12,1309.3,current,not_applicable,moderate_burden
Mali,2023,rural,female,46,45-54,fourth,none,self_employed,322.81,10,none,0,484,1,employer,1451.58,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2018,rural,male,63,55+,highest,primary,employed_informal,1559.9,6,limited,1,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,44,35-44,lowest,primary,employed_formal,57.04,6,limited,0,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,31,25-34,middle,primary,self_employed,260.76,8,limited,1,148,1,microfinance,10013.31,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2021,rural,female,46,45-54,lowest,none,employed_informal,160.84,10,none,0,0,1,sacco,3987.27,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2019,rural,male,40,35-44,middle,primary,employed_informal,160.33,5,limited,0,381,1,informal_lender,7364.93,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2022,rural,male,59,55+,fourth,none,employed_informal,245.68,1,good,1,845,1,digital_lender,3255.09,vehicle,agriculture,1,2649.87,0.472,12,325.16,current,not_applicable,moderate_burden
Rwanda,2024,rural,female,58,55+,highest,secondary,farmer,444.32,4,limited,0,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,67,55+,lowest,primary,self_employed,331.79,8,excellent,0,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,male,39,35-44,second,primary,self_employed,231.15,4,none,0,467,1,family_friends,2164.18,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2024,urban,female,56,55+,fourth,primary,employed_formal,459.65,10,none,0,240,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,male,56,55+,middle,secondary,employed_formal,158.86,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,63,55+,fourth,secondary,farmer,583.78,3,limited,1,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,20,18-24,fourth,tertiary,employed_informal,1375.78,3,excellent,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,33,25-34,second,none,employed_formal,109.35,5,none,0,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,53,45-54,fourth,tertiary,employed_formal,150.35,4,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,61,55+,fourth,secondary,unemployed,230.45,3,none,0,681,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,48,45-54,highest,tertiary,self_employed,451.55,3,excellent,0,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,male,43,35-44,middle,secondary,unemployed,249.32,1,good,1,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,36,35-44,middle,primary,farmer,58.25,7,none,1,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,male,53,45-54,highest,primary,farmer,1186.89,5,none,0,584,1,informal_lender,10608.11,property,emergency,1,9571.2,0.752,18,931.57,current,not_applicable,moderate_burden
Ghana,2019,urban,female,57,55+,second,secondary,self_employed,408.43,6,none,0,42,1,family_friends,8678.56,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2018,rural,male,63,55+,fourth,none,farmer,203.13,9,limited,0,36,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,32,25-34,lowest,primary,employed_informal,46.61,7,excellent,1,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,male,21,18-24,second,tertiary,self_employed,94.22,5,good,1,448,1,commercial_bank,5705.3,equipment,housing,1,4590.78,0.222,36,155.87,late_30_days,not_applicable,moderate_burden
Uganda,2021,urban,female,42,35-44,lowest,secondary,farmer,106.43,8,limited,0,682,1,employer,4029.14,property,housing,1,3312.16,0.065,24,146.98,current,not_applicable,moderate_burden
DRC,2021,urban,female,27,25-34,middle,primary,farmer,339.64,2,limited,1,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,62,55+,fourth,secondary,unemployed,740.65,1,good,0,787,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,female,53,45-54,lowest,tertiary,farmer,30.36,3,none,0,136,1,microfinance,2485.38,property,consumption,1,2050.29,0.273,18,145.01,late_30_days,not_applicable,moderate_burden
Mozambique,2025,rural,male,28,25-34,lowest,tertiary,farmer,90.25,6,limited,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,22,18-24,middle,none,farmer,203.05,7,limited,1,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,male,68,55+,highest,none,employed_informal,640.27,3,none,1,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,20,18-24,second,secondary,unemployed,156.2,1,none,1,565,1,commercial_bank,5869.77,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2019,urban,female,37,35-44,middle,none,employed_informal,210.95,7,limited,1,331,1,commercial_bank,1791.81,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2021,urban,male,39,35-44,fourth,none,employed_informal,553.78,4,limited,0,824,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,39,35-44,fourth,primary,self_employed,206.19,4,good,0,785,1,informal_lender,6332.75,none,business,1,5196.01,0.79,6,1549.81,late_60_days,not_applicable,moderate_burden
Ghana,2020,urban,male,49,45-54,fourth,tertiary,employed_formal,930.51,9,good,0,636,1,informal_lender,7796.26,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2019,urban,female,39,35-44,second,primary,self_employed,79.77,5,limited,0,816,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,male,29,25-34,fourth,primary,farmer,783.32,8,limited,0,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,66,55+,second,tertiary,employed_informal,325.67,6,good,1,576,1,digital_lender,6411.3,none,consumption,1,5751.6,0.486,12,712.21,current,not_applicable,moderate_burden
Senegal,2020,rural,female,56,55+,second,primary,employed_informal,76.03,4,none,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,female,53,45-54,lowest,primary,self_employed,100.06,7,limited,1,310,1,employer,1378.65,savings,asset_purchase,1,1105.17,0.055,12,97.16,late_30_days,not_applicable,moderate_burden
South Africa,2022,rural,male,58,55+,highest,primary,farmer,898.43,1,limited,1,850,1,family_friends,11110.1,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2024,urban,male,55,45-54,highest,none,farmer,1168.35,8,none,0,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,58,55+,highest,tertiary,farmer,734.81,3,none,1,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,60,55+,highest,primary,employed_informal,577.9,8,limited,1,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,47,45-54,middle,secondary,employed_informal,81.93,3,limited,0,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,male,28,25-34,fourth,secondary,self_employed,282.47,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,18,18-24,middle,secondary,unemployed,165.58,1,none,1,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,22,18-24,fourth,none,self_employed,765.05,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,52,45-54,fourth,secondary,unemployed,316.6,1,limited,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,female,36,35-44,middle,primary,self_employed,149.07,5,good,0,259,1,family_friends,1535.39,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2021,rural,male,28,25-34,second,secondary,self_employed,147.26,10,none,0,487,1,employer,2523.06,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2025,urban,female,48,45-54,middle,primary,farmer,637.53,9,good,0,94,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,male,45,35-44,lowest,primary,employed_informal,58.12,7,limited,0,643,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,male,43,35-44,lowest,none,unemployed,97.01,1,good,0,654,1,family_friends,4460.81,vehicle,emergency,1,4338.03,0.093,12,395.1,current,not_applicable,moderate_burden
Senegal,2022,urban,male,45,35-44,fourth,primary,employed_informal,955.42,2,limited,0,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,33,25-34,highest,none,employed_formal,2088.92,10,limited,1,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,54,45-54,middle,primary,employed_informal,117.37,6,limited,1,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,54,45-54,second,tertiary,employed_formal,126.84,5,limited,0,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,male,35,25-34,middle,primary,employed_formal,74.79,6,none,0,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,female,45,35-44,lowest,tertiary,farmer,94.69,6,limited,1,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,female,21,18-24,second,primary,employed_informal,97.09,4,limited,1,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,male,21,18-24,fourth,primary,self_employed,106.16,8,none,0,364,1,informal_lender,3709.75,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2020,rural,male,18,18-24,lowest,primary,unemployed,97.64,5,excellent,1,838,1,digital_lender,4225.8,vehicle,housing,1,4183.95,0.443,12,503.15,current,not_applicable,moderate_burden
Zambia,2023,rural,male,54,45-54,lowest,secondary,employed_informal,115.21,4,good,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,69,55+,highest,secondary,employed_informal,214.62,10,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,53,45-54,lowest,none,employed_informal,150.11,1,good,0,463,1,employer,4527.65,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2023,rural,male,57,55+,lowest,primary,self_employed,49.35,8,limited,0,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,52,45-54,highest,none,farmer,474.8,5,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,male,30,25-34,middle,primary,unemployed,761.71,1,good,1,773,1,digital_lender,5940.32,none,consumption,1,5901.65,0.452,12,713.88,late_30_days,not_applicable,moderate_burden
Mali,2022,urban,female,50,45-54,middle,tertiary,self_employed,87.16,8,none,0,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,female,31,25-34,second,primary,farmer,551.18,3,none,0,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,23,18-24,lowest,primary,unemployed,62.21,1,good,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,male,67,55+,fourth,primary,unemployed,572.06,3,limited,1,61,1,digital_lender,6863.39,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2020,urban,male,65,55+,second,none,self_employed,88.28,4,limited,0,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,52,45-54,fourth,primary,employed_informal,162.4,2,limited,0,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,58,55+,middle,none,self_employed,270.62,2,limited,1,716,1,commercial_bank,1833.82,none,emergency,1,1748.84,0.14,6,332.26,paid_off,not_applicable,moderate_burden
Niger,2025,rural,male,36,35-44,second,primary,employed_formal,159.38,8,limited,0,340,1,family_friends,2088.88,property,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Zambia,2024,rural,female,40,35-44,middle,secondary,farmer,140.49,1,none,0,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,24,18-24,second,none,farmer,194.02,5,none,0,207,1,microfinance,2596.71,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2018,urban,female,20,18-24,second,tertiary,employed_informal,140.05,6,none,0,448,1,sacco,1573.08,none,business,1,1542.18,0.352,12,173.77,defaulted,not_applicable,moderate_burden
Ethiopia,2025,rural,male,64,55+,middle,primary,self_employed,264.74,2,good,0,444,1,sacco,6630.82,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2021,urban,male,65,55+,second,secondary,employed_informal,440.42,4,good,1,494,1,commercial_bank,4038.07,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2018,rural,female,25,18-24,lowest,secondary,farmer,80.36,1,limited,0,611,1,digital_lender,3878.29,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2021,urban,female,67,55+,middle,tertiary,self_employed,288.7,10,none,1,683,1,commercial_bank,8571.11,none,business,1,8065.89,0.178,24,395.74,late_30_days,not_applicable,moderate_burden
Nigeria,2019,rural,female,68,55+,second,none,self_employed,136.63,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,67,55+,second,secondary,unemployed,92.92,1,limited,0,404,1,family_friends,4540.75,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2021,rural,female,45,35-44,fourth,secondary,unemployed,316.09,6,limited,1,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,female,31,25-34,second,secondary,farmer,305.57,3,none,1,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,male,29,25-34,fourth,secondary,self_employed,511.63,2,excellent,1,335,1,digital_lender,6255.1,property,agriculture,1,5316.21,0.49,12,659.91,defaulted,not_applicable,moderate_burden
Kenya,2018,rural,female,25,18-24,lowest,primary,self_employed,28.24,1,good,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,25,18-24,second,secondary,unemployed,118.71,1,none,1,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,27,25-34,fourth,tertiary,self_employed,663.67,5,limited,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,65,55+,middle,none,self_employed,50.45,10,limited,0,204,1,family_friends,6360.12,guarantor,business,1,5126.45,0.083,6,925.07,current,not_applicable,moderate_burden
Niger,2022,rural,female,44,35-44,fourth,none,employed_formal,464.98,5,none,0,108,1,family_friends,40514.29,none,business,1,40319.83,0.056,18,2364.94,paid_off,not_applicable,moderate_burden
Tanzania,2021,rural,female,29,25-34,highest,secondary,employed_informal,2502.16,1,none,1,568,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,36,35-44,lowest,none,farmer,42.21,5,none,1,662,1,commercial_bank,898.24,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2025,urban,female,42,35-44,second,tertiary,employed_formal,200.4,10,none,0,362,1,informal_lender,4212.44,equipment,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2020,rural,male,50,45-54,second,none,self_employed,128.96,4,limited,0,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,20,18-24,fourth,secondary,self_employed,1007.61,10,limited,1,267,1,commercial_bank,7903.12,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2023,rural,female,55,45-54,fourth,secondary,unemployed,325.96,5,none,0,74,1,microfinance,5875.49,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2022,urban,male,21,18-24,fourth,secondary,unemployed,743.11,2,limited,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,39,35-44,lowest,primary,unemployed,48.98,1,none,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,male,45,35-44,lowest,tertiary,employed_formal,49.24,7,none,1,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,45,35-44,highest,secondary,self_employed,338.6,1,limited,1,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,51,45-54,highest,secondary,employed_informal,401.04,7,excellent,0,390,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,53,45-54,fourth,secondary,self_employed,634.88,4,good,0,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,43,35-44,middle,primary,employed_formal,964.97,8,limited,1,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,54,45-54,fourth,secondary,farmer,181.75,2,excellent,1,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,43,35-44,highest,primary,unemployed,317.72,1,limited,0,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,male,36,35-44,lowest,primary,unemployed,52.38,2,none,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,male,55,45-54,second,secondary,farmer,34.01,2,limited,1,848,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,male,53,45-54,lowest,tertiary,farmer,49.91,2,excellent,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,52,45-54,lowest,tertiary,employed_formal,52.28,8,limited,0,711,1,employer,3913.99,none,consumption,1,3550.38,0.023,36,100.87,paid_off,not_applicable,moderate_burden
Malawi,2020,rural,male,19,18-24,lowest,primary,unemployed,109.49,1,none,1,668,1,commercial_bank,5810.54,none,housing,1,5446.61,0.137,24,257.92,current,not_applicable,moderate_burden
DRC,2023,rural,male,54,45-54,middle,secondary,self_employed,497.21,9,excellent,0,688,1,sacco,6964.15,none,agriculture,1,6781.34,0.273,6,1439.02,late_30_days,not_applicable,moderate_burden
Mali,2024,rural,male,55,45-54,middle,secondary,farmer,100.15,3,limited,0,122,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,20,18-24,fourth,secondary,self_employed,315.81,4,excellent,1,850,1,commercial_bank,2875.71,savings,consumption,1,2745.7,0.176,12,269.02,paid_off,not_applicable,moderate_burden
Mali,2025,rural,female,34,25-34,highest,primary,employed_formal,284.83,7,limited,0,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,68,55+,middle,tertiary,farmer,150.64,5,limited,0,185,1,family_friends,2900.5,guarantor,business,1,2430.33,0.082,24,109.61,current,not_applicable,moderate_burden
Zambia,2023,urban,female,65,55+,highest,secondary,farmer,591.21,9,good,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,26,25-34,lowest,tertiary,employed_informal,73.96,3,none,1,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,63,55+,middle,secondary,employed_formal,202.49,10,good,0,422,1,microfinance,2871.02,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2025,rural,female,18,18-24,lowest,primary,employed_informal,87.8,2,none,0,122,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,female,36,35-44,lowest,secondary,self_employed,36.27,10,limited,1,751,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,42,35-44,second,primary,self_employed,80.54,4,good,1,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,25,18-24,second,secondary,employed_formal,220.81,10,limited,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,52,45-54,lowest,primary,unemployed,57.26,3,limited,1,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,25,18-24,lowest,tertiary,self_employed,102.62,10,none,0,0,1,informal_lender,6840.2,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2023,rural,male,42,35-44,fourth,secondary,self_employed,100.18,10,excellent,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,male,27,25-34,middle,none,self_employed,100.72,5,limited,0,757,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,54,45-54,highest,primary,farmer,1986.71,2,good,1,785,1,digital_lender,12430.34,savings,education,1,10981.54,0.42,12,1299.67,late_30_days,not_applicable,moderate_burden
Mozambique,2023,urban,female,68,55+,second,primary,farmer,183.08,2,none,1,598,1,commercial_bank,3814.42,guarantor,business,1,3734.41,0.219,24,189.68,current,not_applicable,moderate_burden
Niger,2025,rural,female,18,18-24,second,secondary,employed_informal,182.5,2,none,0,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,21,18-24,second,none,farmer,113.96,5,none,1,442,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,67,55+,fourth,none,unemployed,299.75,1,none,0,0,1,family_friends,6346.19,savings,asset_purchase,1,5442.05,0.097,12,497.5,defaulted,not_applicable,moderate_burden
Malawi,2024,rural,male,54,45-54,fourth,secondary,self_employed,502.6,9,none,0,494,1,family_friends,4463.89,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2019,urban,female,69,55+,middle,secondary,employed_informal,93.77,10,none,1,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,female,68,55+,lowest,secondary,self_employed,139.11,1,good,0,687,1,digital_lender,2515.14,none,agriculture,1,2351.03,0.469,12,287.84,current,not_applicable,moderate_burden
Mali,2024,rural,female,49,45-54,highest,secondary,self_employed,353.51,3,limited,0,804,1,sacco,2879.69,savings,consumption,1,2765.68,0.275,12,293.9,late_60_days,not_applicable,moderate_burden
Malawi,2024,urban,female,41,35-44,highest,primary,employed_informal,644.09,5,limited,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,21,18-24,lowest,secondary,employed_informal,176.87,3,limited,0,122,1,family_friends,2976.44,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2019,rural,female,63,55+,lowest,secondary,employed_formal,65.36,8,good,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,67,55+,lowest,none,employed_formal,109.54,10,limited,1,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,63,55+,fourth,secondary,unemployed,437.15,6,none,0,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,61,55+,middle,none,employed_informal,142.58,1,limited,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,57,55+,middle,primary,employed_formal,211.21,8,limited,1,515,1,commercial_bank,6658.85,vehicle,asset_purchase,1,6331.75,0.195,24,315.21,current,not_applicable,moderate_burden
Niger,2018,urban,female,31,25-34,highest,none,unemployed,2170.51,2,excellent,0,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,33,25-34,highest,primary,employed_informal,543.54,1,limited,0,509,1,digital_lender,7821.45,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2025,rural,male,18,18-24,lowest,secondary,employed_formal,42.47,10,limited,0,503,1,microfinance,3369.05,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2018,rural,female,34,25-34,middle,secondary,self_employed,80.14,10,limited,0,212,1,family_friends,2302.19,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2022,rural,male,21,18-24,second,primary,employed_formal,106.75,4,good,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,22,18-24,second,none,employed_informal,68.26,6,limited,0,414,1,employer,2654.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2022,rural,female,28,25-34,lowest,secondary,employed_formal,93.02,10,limited,1,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,25,18-24,lowest,secondary,self_employed,37.97,5,none,0,608,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,40,35-44,lowest,secondary,self_employed,62.74,8,good,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,62,55+,lowest,secondary,unemployed,102.21,6,limited,0,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,69,55+,fourth,secondary,farmer,235.22,2,limited,1,512,1,commercial_bank,16412.9,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2019,urban,female,50,45-54,fourth,none,employed_informal,531.53,3,good,1,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,25,18-24,highest,secondary,unemployed,824.29,6,limited,1,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,male,59,55+,second,secondary,self_employed,156.0,10,none,1,412,1,sacco,4357.35,none,business,1,3759.66,0.284,24,201.22,late_60_days,not_applicable,moderate_burden
South Africa,2020,urban,female,69,55+,fourth,secondary,unemployed,2197.03,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,63,55+,second,none,self_employed,142.43,5,none,1,255,1,digital_lender,2156.7,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2022,rural,male,60,55+,highest,secondary,self_employed,415.91,6,good,1,728,1,family_friends,8372.06,guarantor,business,1,7376.57,0.024,12,629.38,current,not_applicable,moderate_burden
Kenya,2018,rural,male,69,55+,fourth,tertiary,self_employed,615.98,9,good,1,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,male,44,35-44,highest,primary,farmer,245.45,5,none,1,463,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,22,18-24,middle,tertiary,employed_informal,653.97,8,limited,1,345,1,commercial_bank,2849.09,savings,emergency,1,2532.84,0.186,36,83.42,current,not_applicable,moderate_burden
Ghana,2019,rural,male,34,25-34,middle,primary,employed_informal,318.48,9,limited,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,54,45-54,fourth,primary,self_employed,379.36,8,good,1,247,1,informal_lender,23141.09,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,rural,male,55,45-54,fourth,secondary,employed_informal,272.65,5,limited,0,604,1,informal_lender,12911.65,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2023,urban,female,35,25-34,middle,tertiary,unemployed,184.94,4,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,61,55+,middle,tertiary,farmer,141.01,3,limited,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,30,25-34,fourth,primary,farmer,550.57,4,excellent,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,male,67,55+,lowest,none,unemployed,29.98,5,none,0,565,1,informal_lender,1392.35,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2022,rural,male,36,35-44,second,none,self_employed,45.44,4,good,1,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,female,62,55+,second,none,employed_informal,398.04,9,none,0,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,urban,male,50,45-54,highest,primary,unemployed,953.9,6,limited,1,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,female,42,35-44,lowest,primary,employed_informal,17.12,8,none,0,374,1,informal_lender,1424.76,property,business,1,1146.12,0.791,18,114.02,current,not_applicable,moderate_burden
Mozambique,2022,urban,female,52,45-54,second,primary,farmer,178.32,4,good,0,850,1,family_friends,10614.97,guarantor,agriculture,1,10221.65,0.097,18,622.82,current,not_applicable,moderate_burden
Uganda,2021,rural,female,23,18-24,fourth,tertiary,farmer,362.85,1,none,1,405,1,informal_lender,2668.78,none,business,1,2322.57,0.774,6,686.55,current,not_applicable,moderate_burden
Mozambique,2024,rural,female,37,35-44,lowest,none,self_employed,63.16,2,none,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,36,35-44,lowest,none,self_employed,15.58,8,limited,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,59,55+,lowest,secondary,employed_formal,30.55,8,none,1,0,1,informal_lender,2047.92,vehicle,business,1,1912.94,0.81,24,144.29,late_30_days,not_applicable,moderate_burden
South Africa,2025,rural,male,20,18-24,highest,tertiary,self_employed,1914.53,7,none,1,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,30,25-34,lowest,secondary,employed_informal,15.97,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,27,25-34,middle,secondary,unemployed,43.4,5,limited,0,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,47,45-54,middle,primary,farmer,55.58,1,limited,0,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,male,68,55+,second,secondary,self_employed,137.35,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,65,55+,middle,primary,farmer,134.71,5,limited,0,185,1,informal_lender,4521.41,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2025,rural,female,41,35-44,highest,primary,employed_formal,86.49,10,none,1,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,female,64,55+,lowest,primary,employed_informal,107.08,7,none,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,52,45-54,fourth,none,farmer,359.3,5,good,0,486,1,sacco,4171.68,savings,consumption,1,4019.62,0.341,18,299.49,current,not_applicable,moderate_burden
Malawi,2018,rural,male,43,35-44,lowest,secondary,unemployed,46.05,5,none,0,703,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,42,35-44,middle,secondary,self_employed,1054.57,7,good,0,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,male,19,18-24,fourth,secondary,self_employed,668.2,3,limited,0,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,38,35-44,middle,primary,farmer,197.09,5,none,0,64,1,family_friends,11040.28,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2018,rural,female,69,55+,fourth,none,farmer,352.9,7,none,0,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,male,69,55+,lowest,primary,employed_informal,238.02,10,none,0,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,male,56,55+,middle,none,farmer,154.39,1,good,0,521,1,commercial_bank,2488.02,guarantor,housing,1,1990.47,0.192,18,131.81,current,not_applicable,moderate_burden
Niger,2024,urban,male,51,45-54,lowest,none,employed_formal,55.82,9,none,1,153,1,digital_lender,2451.97,guarantor,agriculture,1,2425.0,0.443,18,194.39,current,not_applicable,moderate_burden
Malawi,2020,rural,female,48,45-54,fourth,primary,self_employed,295.02,10,none,1,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,54,45-54,lowest,primary,farmer,58.12,10,none,1,704,1,microfinance,1573.42,guarantor,consumption,1,1382.37,0.355,12,156.08,current,not_applicable,moderate_burden
Niger,2024,rural,male,28,25-34,second,primary,unemployed,71.45,3,good,0,772,1,digital_lender,1651.55,vehicle,business,1,1331.79,0.406,18,104.01,paid_off,not_applicable,moderate_burden
Zambia,2019,urban,male,68,55+,highest,primary,self_employed,205.23,8,none,0,114,1,family_friends,2065.27,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2025,rural,female,69,55+,fourth,primary,farmer,780.04,3,none,1,105,1,microfinance,5315.82,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Senegal,2020,rural,male,60,55+,highest,secondary,employed_informal,1533.64,9,good,1,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,46,45-54,second,secondary,farmer,219.84,1,none,0,413,1,digital_lender,6832.13,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2024,rural,male,32,25-34,fourth,tertiary,farmer,324.92,2,none,1,290,1,commercial_bank,14781.67,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2020,rural,female,50,45-54,second,tertiary,employed_informal,113.31,6,none,1,695,1,sacco,2512.04,none,agriculture,1,2013.12,0.274,12,213.77,current,not_applicable,moderate_burden
Niger,2021,rural,female,69,55+,highest,primary,farmer,868.93,8,limited,1,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,27,25-34,second,none,employed_formal,262.43,7,good,1,534,1,sacco,3974.49,equipment,consumption,1,3745.87,0.354,18,281.68,current,not_applicable,moderate_burden
Nigeria,2020,rural,male,26,25-34,highest,secondary,unemployed,311.82,1,good,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,22,18-24,fourth,secondary,self_employed,1104.64,3,good,0,407,1,sacco,9240.88,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2020,rural,female,53,45-54,highest,primary,unemployed,334.27,6,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,51,45-54,middle,primary,self_employed,98.84,4,none,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,31,25-34,lowest,secondary,employed_informal,189.55,8,none,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,urban,female,68,55+,fourth,secondary,employed_informal,1176.64,4,none,1,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,female,27,25-34,highest,secondary,unemployed,1205.29,1,excellent,1,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,female,25,18-24,middle,none,farmer,409.42,8,none,1,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,31,25-34,second,secondary,farmer,120.78,10,excellent,0,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,male,49,45-54,lowest,tertiary,self_employed,42.83,6,excellent,1,279,1,commercial_bank,3184.4,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2022,rural,female,58,55+,highest,none,self_employed,196.09,2,good,0,402,1,commercial_bank,4390.46,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2025,urban,female,29,25-34,lowest,secondary,employed_informal,111.2,8,none,1,128,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,48,45-54,middle,none,farmer,411.95,9,none,1,66,1,employer,6496.66,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2021,urban,female,39,35-44,second,secondary,unemployed,183.55,6,good,0,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,25,18-24,second,none,farmer,347.11,10,none,0,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,male,61,55+,lowest,primary,self_employed,36.9,9,none,0,20,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,52,45-54,lowest,secondary,self_employed,58.7,8,limited,0,431,1,family_friends,2448.42,guarantor,debt_consolidation,1,2090.31,0.09,12,189.85,current,not_applicable,moderate_burden
Zambia,2018,rural,male,53,45-54,lowest,none,self_employed,108.02,5,limited,0,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,64,55+,fourth,tertiary,employed_formal,138.37,10,good,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,43,35-44,lowest,secondary,employed_informal,257.58,6,good,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,male,56,55+,second,secondary,employed_informal,208.66,10,limited,1,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,male,29,25-34,lowest,tertiary,farmer,87.17,8,good,0,781,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,male,65,55+,fourth,primary,employed_informal,726.62,3,limited,0,8,1,family_friends,4173.18,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2025,rural,male,40,35-44,fourth,secondary,unemployed,225.15,4,limited,1,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,female,32,25-34,middle,primary,employed_informal,170.47,9,excellent,0,749,1,digital_lender,1300.53,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2018,rural,female,32,25-34,highest,none,employed_formal,259.53,4,none,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,21,18-24,middle,primary,employed_informal,125.46,6,none,0,315,1,family_friends,3978.08,guarantor,agriculture,1,3407.27,0.029,24,146.09,current,not_applicable,moderate_burden
Ethiopia,2021,rural,female,21,18-24,highest,primary,self_employed,655.95,5,none,1,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,male,28,25-34,second,secondary,farmer,58.39,5,none,0,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,female,46,45-54,highest,primary,self_employed,391.23,9,good,1,842,1,commercial_bank,5119.11,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2018,rural,male,58,55+,highest,primary,employed_informal,398.01,4,excellent,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,55,45-54,second,secondary,farmer,62.26,9,none,1,499,1,family_friends,2250.55,none,asset_purchase,1,1805.6,0.028,18,103.14,paid_off,not_applicable,moderate_burden
Malawi,2023,urban,male,32,25-34,highest,primary,farmer,2116.88,10,none,0,132,1,sacco,3924.97,none,agriculture,1,3570.84,0.279,24,190.37,current,not_applicable,moderate_burden
Mozambique,2018,urban,female,18,18-24,middle,primary,employed_informal,162.74,4,limited,1,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,31,25-34,second,secondary,unemployed,238.61,1,none,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,34,25-34,highest,secondary,employed_informal,320.04,6,none,1,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,male,33,25-34,second,secondary,employed_informal,98.77,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,57,55+,second,tertiary,farmer,197.34,10,none,0,4,1,microfinance,2382.49,none,consumption,1,1984.34,0.291,12,213.52,paid_off,not_applicable,moderate_burden
Ethiopia,2023,urban,female,19,18-24,lowest,primary,self_employed,52.05,1,none,0,255,1,digital_lender,6170.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2024,rural,female,18,18-24,second,secondary,employed_informal,273.43,2,limited,0,483,1,microfinance,11051.29,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2024,urban,male,30,25-34,second,primary,employed_informal,94.89,6,limited,1,303,1,commercial_bank,7505.02,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2021,rural,male,56,55+,fourth,secondary,employed_formal,518.76,10,good,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,35,25-34,lowest,none,farmer,137.15,9,good,1,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,47,45-54,middle,primary,employed_informal,260.79,2,limited,0,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,41,35-44,middle,secondary,unemployed,46.81,3,limited,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,male,44,35-44,lowest,secondary,employed_formal,185.27,10,none,0,225,1,microfinance,2186.63,none,business,1,1814.04,0.349,24,101.94,current,not_applicable,moderate_burden
Malawi,2025,urban,male,30,25-34,fourth,none,employed_formal,390.85,5,limited,0,646,1,commercial_bank,2850.62,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2022,rural,male,49,45-54,fourth,tertiary,farmer,215.59,3,none,1,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,male,35,25-34,lowest,none,farmer,45.22,5,none,1,479,1,digital_lender,4553.91,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2020,rural,male,43,35-44,lowest,none,self_employed,119.87,9,limited,1,573,1,commercial_bank,5319.56,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2024,urban,female,67,55+,lowest,primary,employed_informal,65.9,7,none,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,29,25-34,highest,primary,farmer,448.91,3,limited,0,615,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,40,35-44,lowest,secondary,self_employed,35.03,2,limited,0,386,1,informal_lender,784.58,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2019,urban,male,23,18-24,fourth,primary,employed_informal,215.69,10,none,1,747,1,family_friends,2411.18,guarantor,business,1,2336.46,0.017,24,99.03,late_30_days,not_applicable,moderate_burden
DRC,2024,urban,male,31,25-34,lowest,secondary,farmer,91.98,9,none,0,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,50,45-54,lowest,secondary,unemployed,22.62,1,limited,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,41,35-44,lowest,none,employed_informal,151.1,10,none,0,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,male,35,25-34,fourth,primary,employed_informal,367.97,10,none,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,31,25-34,lowest,none,farmer,177.11,6,excellent,1,200,1,digital_lender,1610.24,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2020,urban,male,69,55+,second,primary,self_employed,131.83,9,none,0,682,1,commercial_bank,1956.58,none,business,1,1660.95,0.225,18,113.01,current,not_applicable,moderate_burden
Kenya,2018,urban,male,52,45-54,second,primary,self_employed,200.88,3,none,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,46,45-54,fourth,tertiary,employed_formal,815.18,4,none,0,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,19,18-24,second,secondary,employed_formal,392.56,10,good,0,464,1,informal_lender,3528.98,none,business,1,3521.28,0.777,6,1042.78,late_60_days,not_applicable,moderate_burden
Ghana,2024,rural,male,20,18-24,second,secondary,unemployed,96.48,5,none,0,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,57,55+,lowest,primary,employed_informal,92.8,4,none,1,587,1,sacco,4817.71,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2025,rural,male,45,35-44,second,primary,self_employed,114.48,9,none,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,female,45,35-44,second,primary,self_employed,78.46,7,good,0,305,1,microfinance,4274.77,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2020,rural,female,21,18-24,second,secondary,employed_informal,323.57,3,none,1,681,1,microfinance,8956.13,none,agriculture,1,8035.76,0.304,18,582.19,late_60_days,not_applicable,moderate_burden
Mozambique,2024,urban,female,19,18-24,lowest,none,self_employed,146.29,5,limited,0,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,20,18-24,second,secondary,employed_formal,109.16,8,none,0,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,21,18-24,fourth,tertiary,employed_formal,1067.73,10,good,0,798,1,informal_lender,9757.35,guarantor,agriculture,1,8184.83,0.763,18,801.74,late_30_days,not_applicable,moderate_burden
Nigeria,2020,rural,male,27,25-34,second,secondary,employed_informal,359.9,10,none,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,22,18-24,second,secondary,unemployed,75.16,4,none,1,89,1,commercial_bank,2897.46,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2024,urban,male,23,18-24,highest,none,self_employed,780.3,5,none,0,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,male,26,25-34,highest,secondary,employed_informal,418.83,5,none,0,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,female,61,55+,middle,tertiary,employed_informal,302.13,2,good,1,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,21,18-24,middle,primary,self_employed,176.84,6,none,1,59,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,48,45-54,lowest,primary,self_employed,54.42,7,none,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,25,18-24,highest,primary,farmer,175.23,8,none,0,493,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,38,35-44,fourth,tertiary,unemployed,947.52,2,none,0,390,1,informal_lender,2853.12,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2024,rural,male,18,18-24,lowest,none,employed_formal,59.98,8,good,1,781,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,male,52,45-54,second,none,unemployed,162.31,1,limited,1,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,57,55+,lowest,tertiary,farmer,13.88,8,limited,1,70,1,informal_lender,2567.56,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2020,rural,female,53,45-54,highest,none,employed_informal,436.4,8,limited,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,30,25-34,lowest,primary,self_employed,51.37,2,limited,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,female,35,25-34,lowest,none,self_employed,81.32,10,good,0,850,1,digital_lender,928.89,savings,emergency,1,782.66,0.482,12,96.64,current,not_applicable,moderate_burden
Kenya,2021,urban,female,58,55+,fourth,none,farmer,214.51,1,none,1,680,1,microfinance,3872.28,none,consumption,1,3533.6,0.31,36,128.56,current,not_applicable,moderate_burden
Mozambique,2018,urban,male,33,25-34,middle,secondary,employed_informal,171.13,3,none,1,537,1,sacco,1599.39,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2023,rural,female,48,45-54,lowest,primary,farmer,59.74,2,limited,0,208,1,informal_lender,1441.3,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mozambique,2020,rural,male,37,35-44,second,primary,employed_informal,153.84,5,good,1,266,1,microfinance,5662.56,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2019,urban,female,50,45-54,fourth,none,unemployed,382.16,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,41,35-44,lowest,secondary,farmer,33.1,1,excellent,0,235,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,53,45-54,second,primary,self_employed,140.95,1,limited,0,63,1,informal_lender,6945.71,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2018,rural,female,29,25-34,highest,none,self_employed,350.98,8,none,0,392,1,family_friends,13612.55,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2024,urban,male,38,35-44,lowest,primary,employed_informal,124.43,2,limited,0,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,50,45-54,highest,secondary,self_employed,261.44,6,none,1,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,male,55,45-54,lowest,secondary,self_employed,116.92,5,limited,1,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,38,35-44,middle,secondary,employed_informal,468.66,5,none,0,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,male,39,35-44,fourth,tertiary,unemployed,629.69,1,limited,0,761,1,sacco,8731.3,none,agriculture,1,7573.85,0.291,6,1629.9,current,not_applicable,moderate_burden
Malawi,2020,rural,female,30,25-34,lowest,primary,unemployed,80.67,4,none,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,28,25-34,middle,none,employed_formal,173.03,7,limited,1,743,1,digital_lender,3357.33,none,asset_purchase,1,3352.97,0.458,12,407.32,paid_off,not_applicable,moderate_burden
Ghana,2018,urban,female,57,55+,second,primary,farmer,96.49,7,none,1,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,20,18-24,highest,secondary,unemployed,1323.13,5,limited,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,28,25-34,fourth,tertiary,employed_formal,154.82,10,excellent,1,428,1,sacco,2806.48,savings,consumption,1,2479.69,0.305,6,539.21,current,not_applicable,moderate_burden
South Africa,2020,rural,male,36,35-44,lowest,secondary,employed_formal,48.69,10,none,0,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,39,35-44,lowest,tertiary,self_employed,113.18,8,limited,0,16,1,sacco,1555.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2021,rural,male,22,18-24,lowest,primary,farmer,68.21,2,none,0,312,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,20,18-24,fourth,primary,unemployed,656.68,1,limited,0,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,64,55+,lowest,primary,employed_informal,137.72,4,limited,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,36,35-44,second,primary,farmer,104.75,2,good,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,18,18-24,middle,primary,self_employed,420.1,7,limited,1,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,47,45-54,lowest,primary,unemployed,53.0,2,limited,0,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,48,45-54,middle,secondary,employed_informal,69.03,4,limited,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,44,35-44,second,none,employed_formal,188.82,5,none,1,480,1,family_friends,3013.04,none,business,1,2958.86,0.014,18,166.7,current,not_applicable,moderate_burden
Ethiopia,2023,rural,male,49,45-54,second,secondary,self_employed,294.63,5,limited,1,49,1,microfinance,4527.61,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2023,urban,male,68,55+,middle,secondary,employed_informal,99.86,6,good,1,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,male,44,35-44,fourth,primary,self_employed,84.56,10,none,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,52,45-54,second,secondary,unemployed,108.41,1,none,1,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,female,68,55+,highest,secondary,employed_formal,2891.1,10,none,1,196,1,microfinance,9348.72,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2018,urban,male,46,45-54,middle,secondary,farmer,334.73,8,none,1,84,1,sacco,3800.25,savings,housing,1,3273.84,0.367,12,372.99,paid_off,not_applicable,moderate_burden
South Africa,2023,urban,female,59,55+,second,none,farmer,90.62,9,none,1,445,1,sacco,6533.35,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2019,rural,male,31,25-34,fourth,none,employed_informal,123.63,4,none,0,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,47,45-54,lowest,secondary,self_employed,54.58,6,none,0,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,27,25-34,lowest,secondary,employed_informal,151.14,1,limited,1,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,24,18-24,second,primary,employed_informal,101.01,3,none,0,0,1,informal_lender,2722.55,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Zambia,2024,rural,female,63,55+,fourth,none,self_employed,396.46,3,limited,0,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,30,25-34,second,secondary,farmer,15.45,3,none,0,500,1,family_friends,440.47,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ghana,2024,urban,female,52,45-54,highest,primary,unemployed,527.6,4,limited,1,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,58,55+,lowest,tertiary,employed_informal,30.68,1,good,0,850,1,family_friends,1435.14,none,consumption,1,1261.69,0.027,24,54.01,late_60_days,not_applicable,moderate_burden
Rwanda,2018,urban,female,57,55+,fourth,secondary,unemployed,598.68,3,none,1,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,27,25-34,fourth,secondary,unemployed,163.47,3,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,female,28,25-34,lowest,secondary,employed_formal,116.44,10,none,0,128,1,family_friends,10454.65,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2018,rural,male,55,45-54,middle,primary,self_employed,386.11,4,none,1,449,1,commercial_bank,3873.04,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Senegal,2023,urban,female,25,18-24,second,none,farmer,155.18,7,good,1,557,1,digital_lender,2448.83,none,education,1,1963.74,0.471,24,120.38,current,not_applicable,moderate_burden
Kenya,2021,urban,female,48,45-54,highest,secondary,employed_informal,1657.07,5,good,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,urban,male,69,55+,highest,none,self_employed,1034.29,5,excellent,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,female,27,25-34,lowest,tertiary,employed_formal,64.87,4,limited,1,383,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,68,55+,second,none,self_employed,192.85,3,none,0,700,1,family_friends,6787.62,guarantor,agriculture,1,6702.41,0.065,6,1189.78,current,not_applicable,moderate_burden
Senegal,2023,urban,male,52,45-54,second,none,employed_informal,213.44,7,none,1,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,60,55+,lowest,secondary,employed_informal,159.62,7,good,0,819,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,23,18-24,second,primary,employed_informal,131.16,9,limited,1,220,1,family_friends,1513.86,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2020,rural,female,58,55+,second,primary,employed_formal,123.34,9,good,0,767,1,family_friends,2800.5,savings,education,1,2340.33,0.028,48,50.14,current,not_applicable,moderate_burden
Niger,2023,urban,female,43,35-44,lowest,primary,employed_informal,95.74,9,none,1,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,50,45-54,middle,tertiary,farmer,323.38,3,none,1,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,53,45-54,middle,tertiary,self_employed,409.0,4,limited,0,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,urban,female,27,25-34,second,primary,farmer,170.35,9,limited,0,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,35,25-34,fourth,secondary,employed_formal,343.64,10,none,0,118,1,family_friends,4378.65,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2024,urban,female,49,45-54,fourth,primary,employed_formal,614.93,10,none,0,651,1,family_friends,13370.83,guarantor,asset_purchase,1,10730.95,0.083,6,1936.34,defaulted,not_applicable,moderate_burden
Zambia,2020,rural,female,66,55+,second,primary,farmer,38.68,1,limited,0,118,1,informal_lender,1704.42,guarantor,consumption,1,1485.06,0.762,18,145.4,current,not_applicable,moderate_burden
Tanzania,2025,urban,male,60,55+,lowest,primary,unemployed,144.09,3,good,0,416,1,informal_lender,10316.92,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2020,urban,male,40,35-44,lowest,tertiary,unemployed,46.14,3,excellent,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,female,60,55+,fourth,primary,unemployed,1191.25,1,limited,0,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,21,18-24,fourth,tertiary,farmer,352.46,9,limited,1,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,female,60,55+,highest,primary,employed_informal,1779.8,6,none,1,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,female,67,55+,second,secondary,farmer,231.13,5,none,0,211,1,family_friends,3603.42,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2024,urban,male,55,45-54,middle,secondary,farmer,1397.33,2,good,1,368,1,microfinance,17396.4,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2021,rural,male,32,25-34,highest,secondary,employed_informal,699.36,8,excellent,0,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,female,43,35-44,middle,none,self_employed,348.61,4,none,0,77,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,59,55+,fourth,secondary,employed_formal,113.87,5,none,0,454,1,family_friends,1771.87,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mozambique,2020,rural,female,52,45-54,fourth,none,farmer,3813.77,3,none,1,0,1,sacco,24523.03,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2023,urban,male,35,25-34,highest,tertiary,self_employed,955.2,1,none,1,428,1,microfinance,2207.86,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2024,rural,male,31,25-34,second,none,farmer,133.64,10,limited,0,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,57,55+,second,tertiary,employed_informal,54.78,10,good,0,427,1,family_friends,3055.56,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2022,rural,female,42,35-44,fourth,secondary,employed_formal,362.3,6,limited,1,256,1,digital_lender,3036.14,none,business,1,2869.59,0.47,24,175.77,late_30_days,not_applicable,moderate_burden
Uganda,2023,urban,female,52,45-54,middle,primary,employed_formal,1061.51,7,limited,0,587,1,family_friends,14485.12,equipment,agriculture,1,11990.12,0.097,24,547.87,late_30_days,not_applicable,moderate_burden
Ethiopia,2025,rural,female,32,25-34,middle,primary,self_employed,187.62,4,good,1,233,1,commercial_bank,6841.49,none,business,1,6148.51,0.143,6,1171.5,late_30_days,not_applicable,moderate_burden
Zambia,2022,rural,female,42,35-44,middle,none,unemployed,189.9,1,none,0,160,1,informal_lender,3031.06,savings,housing,1,2923.42,0.846,18,299.89,current,not_applicable,moderate_burden
Mozambique,2018,rural,female,47,45-54,lowest,primary,employed_formal,91.84,4,none,0,290,1,family_friends,2768.41,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2021,urban,male,47,45-54,middle,secondary,employed_informal,340.39,4,limited,0,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,35,25-34,middle,primary,employed_formal,190.11,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,53,45-54,middle,primary,employed_informal,193.52,8,excellent,0,850,1,family_friends,4655.32,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,urban,female,28,25-34,highest,secondary,self_employed,2105.4,2,limited,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,50,45-54,middle,primary,farmer,89.22,8,limited,0,659,1,digital_lender,1893.99,none,asset_purchase,1,1787.11,0.442,12,214.81,current,not_applicable,moderate_burden
Mali,2025,rural,male,34,25-34,fourth,primary,farmer,465.03,9,none,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,18,18-24,lowest,secondary,farmer,40.51,4,limited,1,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,49,45-54,second,secondary,employed_informal,215.55,9,none,1,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,61,55+,lowest,secondary,employed_formal,61.47,4,none,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,rural,female,35,25-34,second,none,employed_formal,141.49,6,none,1,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,45,35-44,fourth,secondary,self_employed,591.12,5,none,0,620,1,microfinance,10993.34,none,emergency,1,10088.0,0.351,12,1136.1,paid_off,not_applicable,moderate_burden
Zambia,2024,urban,female,21,18-24,fourth,primary,employed_informal,645.72,6,good,1,798,1,commercial_bank,4216.19,guarantor,business,1,3572.02,0.223,12,364.15,current,not_applicable,moderate_burden
Kenya,2023,rural,male,28,25-34,lowest,secondary,self_employed,37.96,2,none,0,26,1,family_friends,2125.0,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2020,urban,female,41,35-44,second,secondary,self_employed,60.31,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,56,55+,second,primary,employed_formal,117.93,6,good,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,female,55,45-54,second,tertiary,farmer,49.05,7,none,1,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,19,18-24,middle,none,farmer,245.27,4,none,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,26,25-34,fourth,tertiary,farmer,194.69,2,excellent,0,850,1,commercial_bank,3703.19,guarantor,business,1,3677.25,0.16,36,118.52,current,not_applicable,moderate_burden
Tanzania,2023,rural,male,20,18-24,lowest,none,self_employed,130.48,9,none,0,724,1,informal_lender,2081.52,none,emergency,1,1956.14,0.757,18,190.89,current,not_applicable,moderate_burden
Rwanda,2024,urban,male,47,45-54,middle,primary,farmer,429.7,5,limited,1,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,female,61,55+,fourth,secondary,unemployed,789.8,5,limited,1,400,1,commercial_bank,13896.99,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2018,rural,male,48,45-54,lowest,none,unemployed,64.48,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,39,35-44,second,secondary,farmer,146.43,5,good,0,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,65,55+,lowest,none,unemployed,25.29,1,none,1,133,1,informal_lender,1632.12,savings,business,1,1393.87,0.838,12,213.47,defaulted,not_applicable,moderate_burden
Ghana,2024,rural,male,24,18-24,highest,tertiary,employed_informal,432.31,10,limited,0,606,1,digital_lender,4543.85,vehicle,business,1,4438.33,0.433,12,530.04,late_60_days,not_applicable,moderate_burden
Rwanda,2020,urban,male,27,25-34,fourth,secondary,self_employed,738.18,10,good,0,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,54,45-54,fourth,secondary,self_employed,465.54,3,none,1,181,1,microfinance,1807.54,vehicle,agriculture,1,1617.04,0.284,12,172.96,current,not_applicable,moderate_burden
Senegal,2022,rural,male,67,55+,highest,primary,employed_informal,1457.93,4,none,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,male,49,45-54,highest,primary,self_employed,307.3,10,none,1,631,1,microfinance,12518.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2022,urban,male,45,35-44,middle,secondary,employed_informal,1269.83,10,none,1,166,1,informal_lender,7906.79,equipment,housing,1,7206.44,0.776,18,711.22,current,not_applicable,moderate_burden
Niger,2024,urban,female,44,35-44,second,primary,unemployed,114.12,6,limited,1,215,1,commercial_bank,11864.85,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2020,urban,female,66,55+,lowest,none,employed_informal,154.18,8,limited,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,female,34,25-34,lowest,none,employed_informal,80.25,9,none,0,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,22,18-24,lowest,secondary,farmer,59.96,10,none,1,394,1,sacco,1683.74,guarantor,consumption,1,1381.8,0.321,18,101.41,current,not_applicable,moderate_burden
Ghana,2020,urban,female,39,35-44,second,secondary,unemployed,342.6,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,27,25-34,lowest,primary,self_employed,85.75,10,good,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,male,49,45-54,lowest,primary,employed_informal,84.52,3,none,0,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,45,35-44,highest,secondary,employed_informal,524.48,3,limited,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,53,45-54,second,none,self_employed,66.41,9,none,1,165,1,sacco,6305.38,property,housing,1,5582.11,0.276,12,593.37,paid_off,not_applicable,moderate_burden
Mali,2018,rural,male,65,55+,second,secondary,self_employed,105.87,8,none,0,210,1,commercial_bank,4787.35,savings,consumption,1,4126.82,0.22,6,839.12,current,not_applicable,moderate_burden
Niger,2025,rural,female,20,18-24,middle,primary,self_employed,276.95,7,none,0,650,1,informal_lender,12140.5,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2025,rural,female,52,45-54,lowest,secondary,self_employed,77.27,6,limited,1,664,1,commercial_bank,7095.0,none,consumption,1,6576.72,0.148,18,419.27,current,not_applicable,moderate_burden
Mozambique,2019,rural,male,53,45-54,fourth,primary,employed_formal,546.53,10,limited,0,808,1,microfinance,6726.93,none,emergency,1,6639.63,0.311,6,1451.12,current,not_applicable,moderate_burden
Mali,2019,urban,female,43,35-44,lowest,secondary,farmer,57.62,5,none,0,467,1,family_friends,1458.43,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2018,rural,female,36,35-44,highest,secondary,employed_informal,400.2,2,good,0,210,1,commercial_bank,6213.33,savings,housing,1,5598.5,0.194,18,371.35,current,not_applicable,moderate_burden
Mali,2024,urban,male,26,25-34,lowest,secondary,unemployed,137.16,1,none,1,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,66,55+,middle,secondary,farmer,166.99,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,49,45-54,middle,primary,employed_informal,204.58,7,none,0,0,1,sacco,5661.48,guarantor,business,1,5585.45,0.289,18,400.01,late_30_days,not_applicable,moderate_burden
Rwanda,2023,rural,male,27,25-34,highest,primary,farmer,799.35,9,none,1,681,1,microfinance,2979.91,none,emergency,1,2511.8,0.302,6,545.0,defaulted,not_applicable,moderate_burden
Mozambique,2025,urban,female,36,35-44,second,secondary,farmer,221.49,9,none,1,394,1,family_friends,12914.08,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2024,urban,female,35,25-34,highest,primary,farmer,960.68,8,good,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,66,55+,fourth,tertiary,unemployed,401.92,2,none,1,233,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,49,45-54,lowest,primary,employed_informal,103.28,1,none,1,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,male,56,55+,highest,primary,self_employed,354.48,10,none,0,254,1,digital_lender,1777.87,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2023,urban,female,62,55+,lowest,secondary,self_employed,50.0,5,limited,1,27,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,62,55+,second,secondary,unemployed,144.09,2,none,1,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,27,25-34,lowest,secondary,employed_informal,90.11,8,none,1,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,male,29,25-34,highest,tertiary,employed_informal,3088.37,5,limited,1,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,female,23,18-24,second,primary,employed_formal,100.82,10,none,0,38,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,20,18-24,fourth,tertiary,self_employed,218.08,3,excellent,0,173,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,female,67,55+,middle,none,farmer,433.51,6,limited,0,633,1,digital_lender,6530.28,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2025,rural,female,68,55+,middle,tertiary,employed_informal,225.05,5,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,54,45-54,highest,secondary,employed_informal,874.05,5,none,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,23,18-24,fourth,primary,farmer,870.47,4,none,1,261,1,digital_lender,16633.3,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,urban,male,59,55+,second,tertiary,employed_informal,312.18,9,none,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,female,64,55+,second,secondary,employed_informal,217.75,8,none,0,0,1,informal_lender,5992.7,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2020,rural,male,64,55+,highest,none,employed_informal,930.56,5,none,0,541,1,family_friends,10302.81,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2020,urban,male,63,55+,lowest,primary,farmer,165.46,3,limited,0,641,1,informal_lender,5132.16,vehicle,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2018,rural,female,55,45-54,lowest,secondary,unemployed,33.95,1,none,1,698,1,sacco,1008.64,savings,consumption,1,899.84,0.284,6,192.56,current,not_applicable,moderate_burden
Kenya,2020,rural,female,32,25-34,lowest,none,employed_informal,138.18,5,limited,0,391,1,informal_lender,1439.0,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2025,rural,male,49,45-54,highest,primary,employed_informal,408.74,10,none,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,38,35-44,fourth,tertiary,employed_informal,557.84,5,excellent,1,314,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,65,55+,lowest,secondary,employed_formal,76.43,4,good,1,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,53,45-54,lowest,none,unemployed,72.2,1,none,0,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,female,26,25-34,second,none,unemployed,245.74,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,32,25-34,lowest,primary,self_employed,44.23,6,none,1,0,1,sacco,1062.25,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2022,rural,male,34,25-34,second,none,self_employed,42.47,5,none,0,38,1,commercial_bank,1135.68,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2025,urban,female,18,18-24,highest,none,self_employed,1042.79,9,good,1,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,53,45-54,lowest,secondary,farmer,57.61,2,none,1,728,1,commercial_bank,3781.98,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2025,rural,male,59,55+,second,none,self_employed,155.45,9,none,0,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,male,52,45-54,lowest,primary,farmer,41.63,2,good,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,30,25-34,lowest,none,self_employed,256.72,6,none,1,48,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,39,35-44,highest,primary,farmer,464.99,7,none,1,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,35,25-34,lowest,primary,employed_informal,70.07,10,none,0,30,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,67,55+,highest,secondary,farmer,1195.97,6,good,0,807,1,informal_lender,11811.27,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2020,rural,male,43,35-44,highest,none,employed_informal,502.92,6,none,0,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,34,25-34,second,primary,unemployed,486.74,1,limited,0,83,1,family_friends,4871.52,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2022,rural,female,54,45-54,lowest,none,self_employed,71.32,9,excellent,0,493,1,family_friends,4156.51,equipment,business,1,3373.56,0.093,24,153.68,current,not_applicable,moderate_burden
Ethiopia,2025,urban,female,31,25-34,fourth,none,unemployed,428.21,2,none,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,56,55+,lowest,primary,unemployed,55.49,2,limited,0,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,female,58,55+,second,primary,self_employed,138.04,6,none,0,508,1,employer,2623.86,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2021,rural,female,22,18-24,fourth,secondary,unemployed,220.79,1,none,0,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,female,19,18-24,fourth,primary,farmer,285.47,9,limited,1,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,male,18,18-24,middle,none,unemployed,448.79,3,none,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,female,66,55+,fourth,secondary,employed_formal,787.34,8,limited,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,female,24,18-24,middle,primary,unemployed,560.6,1,limited,1,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,38,35-44,second,secondary,farmer,120.51,9,none,1,0,1,digital_lender,6422.39,guarantor,education,1,5368.96,0.445,12,646.59,current,not_applicable,moderate_burden
Niger,2019,rural,female,30,25-34,lowest,secondary,employed_informal,37.49,9,none,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,42,35-44,middle,secondary,farmer,424.15,3,none,0,222,1,family_friends,3838.77,guarantor,business,1,3344.46,0.088,18,202.12,current,not_applicable,moderate_burden
Kenya,2024,rural,female,69,55+,lowest,secondary,farmer,94.14,6,none,0,0,1,family_friends,2526.99,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2022,rural,male,69,55+,middle,secondary,employed_informal,409.76,5,none,0,50,1,microfinance,4245.18,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2022,rural,male,35,25-34,highest,none,employed_informal,358.21,4,none,1,643,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,57,55+,second,tertiary,self_employed,106.37,4,none,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,26,25-34,fourth,secondary,self_employed,150.94,9,none,0,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,male,63,55+,middle,primary,self_employed,99.06,6,limited,0,824,1,microfinance,2841.16,none,consumption,1,2773.12,0.363,12,315.06,current,not_applicable,moderate_burden
Senegal,2020,rural,male,42,35-44,fourth,secondary,employed_informal,374.98,4,limited,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,female,22,18-24,middle,secondary,unemployed,72.25,2,none,1,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,36,35-44,lowest,primary,employed_formal,51.76,9,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,male,59,55+,highest,secondary,farmer,1876.38,10,good,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,26,25-34,second,primary,employed_formal,123.71,7,limited,1,787,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,60,55+,second,tertiary,self_employed,432.34,1,good,1,379,1,digital_lender,5364.59,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2019,urban,female,27,25-34,second,none,unemployed,135.63,1,none,1,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,female,37,35-44,lowest,primary,farmer,198.85,8,limited,0,221,1,sacco,1072.9,property,consumption,1,918.09,0.28,24,48.98,current,not_applicable,moderate_burden
Senegal,2018,urban,male,27,25-34,highest,secondary,self_employed,445.8,1,none,1,145,1,commercial_bank,6431.85,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2022,urban,female,42,35-44,middle,secondary,self_employed,480.72,7,none,0,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,63,55+,second,tertiary,self_employed,120.53,1,limited,1,728,1,sacco,2792.51,savings,housing,1,2428.18,0.293,12,261.66,paid_off,not_applicable,moderate_burden
Nigeria,2018,rural,male,69,55+,second,primary,self_employed,61.15,3,limited,0,235,1,family_friends,3124.25,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2025,rural,female,64,55+,second,tertiary,employed_informal,199.87,3,none,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,62,55+,fourth,secondary,employed_informal,184.07,2,none,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,50,45-54,middle,tertiary,self_employed,874.0,4,limited,0,466,1,family_friends,3433.53,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2024,urban,male,68,55+,second,tertiary,employed_formal,92.78,4,none,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,55,45-54,second,primary,employed_formal,148.46,10,none,0,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,female,51,45-54,second,primary,employed_formal,194.97,9,limited,0,373,1,microfinance,2270.56,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2025,rural,male,24,18-24,lowest,primary,employed_informal,44.74,9,none,0,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,male,39,35-44,fourth,secondary,self_employed,390.19,9,none,0,533,1,informal_lender,1836.42,equipment,education,1,1490.17,0.784,6,443.03,current,not_applicable,moderate_burden
Nigeria,2018,rural,female,61,55+,middle,secondary,employed_formal,425.81,9,excellent,1,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,male,36,35-44,fourth,tertiary,employed_informal,318.84,6,limited,0,66,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,69,55+,fourth,secondary,self_employed,390.48,8,limited,0,807,1,family_friends,3820.43,guarantor,emergency,1,3446.13,0.005,18,192.48,paid_off,not_applicable,moderate_burden
Nigeria,2018,urban,female,67,55+,middle,tertiary,employed_informal,275.61,6,good,0,556,1,microfinance,1719.23,savings,business,1,1636.83,0.282,48,43.72,current,not_applicable,moderate_burden
DRC,2023,rural,female,61,55+,fourth,secondary,self_employed,521.15,7,none,1,510,1,sacco,6719.82,vehicle,agriculture,1,6643.92,0.274,12,705.43,paid_off,not_applicable,moderate_burden
Tanzania,2023,rural,female,42,35-44,middle,secondary,self_employed,216.75,2,none,1,422,1,sacco,4948.37,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2022,rural,female,62,55+,lowest,secondary,employed_formal,54.36,7,limited,0,257,1,digital_lender,1818.63,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2024,rural,male,52,45-54,middle,primary,employed_formal,122.75,10,limited,0,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,66,55+,fourth,tertiary,employed_informal,174.68,4,none,1,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,53,45-54,lowest,primary,employed_informal,32.39,5,limited,0,207,1,employer,2037.41,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2023,urban,male,38,35-44,highest,primary,self_employed,2390.61,7,good,0,671,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,42,35-44,second,tertiary,unemployed,66.77,2,none,1,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,urban,female,46,45-54,highest,tertiary,self_employed,1424.28,10,none,0,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,36,35-44,fourth,secondary,employed_formal,304.87,7,good,1,402,1,commercial_bank,4767.14,none,consumption,1,3845.28,0.15,24,184.28,paid_off,not_applicable,moderate_burden
South Africa,2023,rural,female,51,45-54,highest,none,farmer,520.69,6,limited,1,765,1,microfinance,2351.13,guarantor,consumption,1,2086.05,0.28,36,74.19,defaulted,not_applicable,moderate_burden
Zambia,2023,urban,female,47,45-54,second,primary,self_employed,99.76,10,limited,0,193,1,family_friends,10805.1,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2022,rural,male,62,55+,fourth,primary,employed_informal,740.03,4,good,1,819,1,commercial_bank,5123.96,savings,agriculture,1,4975.51,0.194,18,329.98,current,not_applicable,moderate_burden
Ethiopia,2019,rural,female,61,55+,lowest,primary,employed_informal,69.85,4,none,1,45,1,sacco,2675.81,none,agriculture,1,2365.37,0.325,6,522.2,current,not_applicable,moderate_burden
Kenya,2020,rural,female,31,25-34,highest,primary,employed_informal,229.12,5,none,0,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,69,55+,highest,none,unemployed,4537.23,1,limited,1,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,27,25-34,middle,primary,employed_informal,656.0,6,none,1,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,39,35-44,fourth,none,farmer,308.9,5,limited,1,241,1,sacco,3701.12,equipment,consumption,1,3061.96,0.342,12,342.33,late_30_days,not_applicable,moderate_burden
Niger,2019,urban,female,61,55+,second,tertiary,employed_informal,553.49,10,none,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,male,26,25-34,lowest,tertiary,employed_informal,50.19,4,limited,1,36,1,microfinance,2801.4,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2025,rural,female,21,18-24,middle,none,farmer,62.24,10,none,0,481,1,commercial_bank,2621.9,property,agriculture,1,2572.12,0.173,24,125.7,current,not_applicable,moderate_burden
Niger,2019,urban,female,53,45-54,second,secondary,farmer,419.14,2,none,1,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,47,45-54,lowest,none,self_employed,45.58,3,none,0,0,1,microfinance,1539.43,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2022,rural,male,39,35-44,fourth,primary,self_employed,161.7,5,none,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,41,35-44,lowest,none,employed_informal,52.21,5,limited,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,63,55+,middle,tertiary,employed_informal,137.26,3,good,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,24,18-24,highest,secondary,employed_formal,2134.81,7,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,male,64,55+,middle,tertiary,employed_informal,196.07,10,limited,0,761,1,microfinance,5093.25,savings,education,1,4124.66,0.332,18,305.14,defaulted,not_applicable,moderate_burden
Mozambique,2019,rural,male,47,45-54,fourth,secondary,employed_formal,326.21,9,limited,0,443,1,family_friends,12197.83,none,housing,1,10446.54,0.031,18,598.39,current,not_applicable,moderate_burden
Senegal,2020,urban,female,42,35-44,lowest,secondary,employed_informal,75.47,10,none,0,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,male,49,45-54,lowest,secondary,unemployed,58.64,6,good,0,260,1,sacco,1714.95,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2025,rural,male,21,18-24,lowest,secondary,unemployed,96.89,2,none,1,654,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,66,55+,highest,secondary,self_employed,703.25,4,good,1,540,1,microfinance,16168.84,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2020,urban,male,20,18-24,highest,secondary,self_employed,974.01,7,none,0,314,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,male,58,55+,lowest,none,unemployed,38.91,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,28,25-34,fourth,none,employed_formal,619.53,9,none,0,0,1,microfinance,6416.03,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2024,rural,male,66,55+,second,secondary,self_employed,77.86,7,good,0,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,25,18-24,lowest,secondary,farmer,55.32,7,none,0,676,1,digital_lender,7774.44,savings,consumption,1,7350.33,0.435,24,439.49,current,not_applicable,moderate_burden
Zambia,2022,rural,male,44,35-44,lowest,none,employed_informal,46.99,2,good,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,male,34,25-34,highest,secondary,employed_formal,2246.67,10,none,0,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,69,55+,fourth,none,self_employed,216.18,2,limited,1,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,23,18-24,middle,tertiary,unemployed,71.58,1,none,1,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,27,25-34,fourth,primary,employed_informal,117.08,9,limited,0,148,1,microfinance,2458.82,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2019,urban,male,52,45-54,middle,primary,employed_informal,197.36,5,limited,0,818,1,family_friends,3602.39,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2025,urban,female,19,18-24,lowest,primary,farmer,69.26,10,none,1,33,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,49,45-54,middle,secondary,farmer,99.87,6,none,1,532,1,digital_lender,4786.33,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2024,rural,male,31,25-34,middle,secondary,employed_informal,462.3,10,none,1,431,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,44,35-44,lowest,secondary,unemployed,59.83,6,limited,1,815,1,microfinance,2064.16,guarantor,housing,1,1749.77,0.301,24,94.82,paid_off,not_applicable,moderate_burden
Uganda,2019,urban,male,19,18-24,lowest,secondary,employed_formal,123.63,10,none,1,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,43,35-44,second,secondary,unemployed,117.26,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,35,25-34,second,none,farmer,103.87,1,good,0,578,1,family_friends,4816.88,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2020,rural,female,67,55+,second,secondary,self_employed,230.72,7,limited,1,537,1,sacco,5702.92,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2019,urban,male,46,45-54,fourth,secondary,farmer,318.43,2,limited,0,390,1,informal_lender,9468.2,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2025,rural,male,58,55+,second,primary,employed_informal,89.21,7,good,0,209,1,digital_lender,2118.94,savings,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ghana,2020,rural,male,56,55+,highest,primary,self_employed,723.6,8,none,1,376,1,sacco,17748.28,none,business,1,17701.11,0.278,12,1885.74,defaulted,not_applicable,moderate_burden
Mozambique,2024,rural,male,39,35-44,middle,primary,unemployed,324.47,1,none,1,78,1,microfinance,2412.02,savings,asset_purchase,1,2281.79,0.332,12,253.25,late_30_days,not_applicable,moderate_burden
Mozambique,2018,rural,male,38,35-44,lowest,secondary,unemployed,138.32,4,none,0,693,1,digital_lender,4257.67,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2025,urban,male,55,45-54,lowest,secondary,employed_informal,110.99,7,good,1,755,1,sacco,7021.08,none,consumption,1,5984.6,0.321,18,439.11,current,not_applicable,moderate_burden
Mali,2021,rural,male,22,18-24,second,primary,self_employed,102.25,5,limited,0,430,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,67,55+,middle,secondary,farmer,416.15,8,good,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,44,35-44,fourth,none,farmer,360.51,9,limited,0,511,1,microfinance,17938.94,none,business,1,17483.77,0.297,6,3780.83,late_30_days,not_applicable,moderate_burden
South Africa,2019,rural,female,24,18-24,lowest,secondary,employed_informal,68.18,7,limited,0,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,29,25-34,fourth,secondary,unemployed,126.48,6,none,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,50,45-54,second,none,farmer,188.6,9,none,1,593,1,microfinance,2677.63,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2023,urban,female,66,55+,fourth,secondary,unemployed,280.58,4,none,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,male,39,35-44,middle,secondary,farmer,192.24,3,none,1,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,27,25-34,middle,none,farmer,178.09,8,good,1,659,1,commercial_bank,4167.33,guarantor,education,1,4023.65,0.201,36,134.29,late_60_days,not_applicable,moderate_burden
Kenya,2019,rural,male,40,35-44,middle,none,farmer,128.86,5,limited,0,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,male,27,25-34,lowest,primary,self_employed,73.37,9,limited,0,625,1,family_friends,2382.29,guarantor,debt_consolidation,1,2320.6,0.095,6,423.6,current,not_applicable,moderate_burden
Niger,2020,urban,male,35,25-34,highest,tertiary,farmer,1979.21,7,none,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,22,18-24,second,secondary,farmer,288.14,2,none,0,489,1,employer,7445.45,savings,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2020,rural,female,60,55+,fourth,secondary,employed_formal,312.49,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,60,55+,lowest,primary,self_employed,74.63,10,limited,1,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,23,18-24,lowest,none,self_employed,156.65,9,excellent,0,676,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,32,25-34,lowest,none,self_employed,12.4,5,limited,0,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,42,35-44,lowest,secondary,farmer,30.93,2,none,1,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,male,29,25-34,lowest,primary,employed_informal,194.28,9,limited,0,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,female,19,18-24,fourth,secondary,self_employed,209.43,8,none,1,402,1,microfinance,6299.01,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2024,rural,female,65,55+,lowest,primary,employed_informal,52.2,2,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,male,43,35-44,lowest,secondary,farmer,48.78,6,limited,0,365,1,family_friends,2247.41,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2022,urban,female,68,55+,lowest,tertiary,employed_formal,250.62,10,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,female,21,18-24,highest,primary,farmer,112.92,7,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,male,61,55+,highest,none,self_employed,4111.12,5,none,0,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,64,55+,middle,primary,farmer,25.46,10,limited,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,32,25-34,second,tertiary,employed_informal,176.07,9,good,1,850,1,sacco,7678.61,none,asset_purchase,1,7016.74,0.317,12,769.85,current,not_applicable,moderate_burden
DRC,2022,rural,female,50,45-54,fourth,tertiary,self_employed,3339.91,6,none,0,664,1,family_friends,7526.54,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2019,rural,female,31,25-34,lowest,secondary,farmer,36.11,4,good,1,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,59,55+,fourth,primary,self_employed,1317.46,3,good,0,850,1,commercial_bank,9188.3,none,business,1,7897.23,0.18,36,258.96,current,not_applicable,moderate_burden
South Africa,2025,rural,female,60,55+,highest,tertiary,self_employed,576.03,2,limited,1,726,1,microfinance,5163.89,savings,agriculture,1,4355.85,0.355,18,327.96,current,not_applicable,moderate_burden
Niger,2018,urban,male,28,25-34,highest,tertiary,employed_informal,244.57,5,none,0,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,63,55+,lowest,primary,farmer,94.41,3,good,0,524,1,family_friends,6817.51,none,education,1,5779.75,0.036,24,249.41,defaulted,not_applicable,moderate_burden
Ethiopia,2025,rural,female,54,45-54,lowest,primary,self_employed,49.21,10,none,0,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,25,18-24,second,primary,employed_informal,67.32,6,none,1,337,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,22,18-24,middle,primary,self_employed,190.42,5,limited,0,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,56,55+,lowest,secondary,farmer,44.89,2,limited,0,422,1,informal_lender,3083.59,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2019,rural,male,36,35-44,middle,secondary,employed_informal,142.79,9,none,0,368,1,informal_lender,2408.41,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2021,urban,female,65,55+,middle,tertiary,unemployed,333.39,1,none,0,319,1,informal_lender,2537.0,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2023,rural,male,38,35-44,second,primary,employed_formal,123.55,9,limited,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,female,50,45-54,middle,secondary,self_employed,141.06,8,good,0,328,1,microfinance,5356.12,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2020,rural,female,60,55+,middle,none,employed_informal,92.17,4,none,1,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,60,55+,second,secondary,self_employed,288.86,8,none,1,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,55,45-54,lowest,secondary,employed_informal,71.83,3,none,1,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,21,18-24,lowest,none,farmer,71.55,6,limited,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,60,55+,middle,none,employed_informal,397.42,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,58,55+,fourth,secondary,self_employed,279.48,9,excellent,0,228,1,informal_lender,3755.84,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2024,rural,female,53,45-54,lowest,primary,self_employed,13.24,8,excellent,1,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,male,26,25-34,lowest,tertiary,unemployed,32.76,1,none,0,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,51,45-54,second,secondary,farmer,153.17,6,good,1,493,1,sacco,1915.6,none,business,1,1900.13,0.361,24,107.74,current,not_applicable,moderate_burden
Uganda,2019,rural,male,64,55+,fourth,secondary,employed_informal,660.48,8,none,0,362,1,digital_lender,6077.84,none,consumption,1,5371.54,0.489,6,1333.06,late_30_days,not_applicable,moderate_burden
Nigeria,2022,urban,female,37,35-44,second,tertiary,unemployed,315.99,4,none,1,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,27,25-34,lowest,secondary,employed_formal,70.11,9,none,0,423,1,family_friends,2257.73,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2024,rural,male,67,55+,middle,secondary,employed_formal,330.03,8,limited,0,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,47,45-54,middle,primary,unemployed,632.03,1,good,1,378,1,microfinance,5454.86,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2018,urban,male,50,45-54,fourth,primary,employed_informal,252.06,5,limited,0,404,1,digital_lender,3089.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2025,rural,male,29,25-34,middle,primary,unemployed,234.32,5,none,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,male,45,35-44,second,tertiary,self_employed,147.49,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,32,25-34,lowest,secondary,employed_informal,98.2,6,good,0,506,1,informal_lender,2741.39,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2025,rural,female,69,55+,second,secondary,self_employed,135.42,9,none,0,63,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,male,18,18-24,fourth,primary,employed_informal,267.41,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,31,25-34,middle,tertiary,unemployed,284.15,1,limited,1,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,53,45-54,lowest,secondary,unemployed,43.19,2,good,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,58,55+,fourth,tertiary,employed_informal,635.48,2,none,0,569,1,informal_lender,5186.9,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2023,urban,male,34,25-34,highest,secondary,farmer,2969.71,5,none,1,314,1,digital_lender,7812.76,equipment,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2024,rural,male,38,35-44,fourth,primary,unemployed,122.46,4,limited,0,329,1,informal_lender,3435.51,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2023,rural,female,48,45-54,fourth,primary,unemployed,651.3,5,good,0,661,1,informal_lender,4188.74,property,business,1,4124.51,0.76,12,604.91,late_30_days,not_applicable,moderate_burden
Uganda,2018,rural,female,64,55+,lowest,none,employed_informal,19.1,10,none,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,male,64,55+,lowest,secondary,self_employed,57.21,1,limited,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,57,55+,middle,secondary,self_employed,154.55,7,none,1,364,1,microfinance,4077.05,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2023,urban,male,21,18-24,highest,none,self_employed,1159.67,10,none,1,98,1,commercial_bank,11272.45,savings,debt_consolidation,1,10685.7,0.169,18,694.01,late_30_days,not_applicable,moderate_burden
Nigeria,2023,rural,female,32,25-34,second,primary,employed_informal,518.81,8,good,0,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,female,49,45-54,highest,none,employed_informal,1242.31,8,none,1,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,38,35-44,lowest,primary,employed_informal,49.67,4,none,1,700,1,microfinance,1226.78,guarantor,agriculture,1,1158.58,0.34,18,86.22,late_30_days,not_applicable,moderate_burden
Ethiopia,2022,urban,female,24,18-24,fourth,tertiary,self_employed,386.53,6,good,0,136,1,family_friends,11757.28,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2018,urban,female,55,45-54,fourth,primary,unemployed,710.81,6,good,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,male,69,55+,second,primary,employed_informal,292.99,9,limited,1,559,1,commercial_bank,3238.39,guarantor,education,1,3143.77,0.155,6,605.4,late_30_days,not_applicable,moderate_burden
Malawi,2020,urban,male,42,35-44,middle,secondary,self_employed,265.87,3,none,0,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,19,18-24,second,secondary,farmer,128.73,2,good,0,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,67,55+,second,primary,employed_informal,377.92,8,none,0,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,28,25-34,second,secondary,employed_formal,48.37,10,limited,1,847,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,male,23,18-24,second,primary,farmer,69.94,5,limited,1,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,52,45-54,second,none,self_employed,112.88,6,good,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,male,67,55+,fourth,secondary,unemployed,884.76,1,limited,0,450,1,microfinance,11095.95,savings,business,1,10771.22,0.288,48,289.07,late_30_days,not_applicable,moderate_burden
Niger,2020,rural,male,22,18-24,middle,primary,employed_informal,823.6,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,25,18-24,second,primary,farmer,80.1,10,limited,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,female,67,55+,highest,none,employed_formal,292.99,5,none,1,808,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,male,30,25-34,lowest,tertiary,farmer,104.91,8,none,1,59,1,commercial_bank,2917.61,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2018,rural,female,47,45-54,second,secondary,unemployed,167.17,5,excellent,1,790,1,microfinance,4646.76,none,education,1,4388.61,0.323,12,483.68,defaulted,not_applicable,moderate_burden
South Africa,2025,rural,female,53,45-54,lowest,primary,employed_informal,250.9,9,none,1,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,51,45-54,lowest,none,farmer,83.89,9,limited,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,51,45-54,fourth,secondary,employed_informal,240.2,1,none,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,35,25-34,middle,primary,unemployed,376.27,4,limited,0,604,1,family_friends,3848.41,none,business,1,3082.99,0.005,12,258.27,current,not_applicable,moderate_burden
Mozambique,2023,urban,female,44,35-44,second,secondary,employed_informal,65.09,9,good,0,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,male,31,25-34,fourth,tertiary,farmer,578.14,1,limited,0,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,62,55+,fourth,tertiary,self_employed,205.02,1,limited,0,431,1,microfinance,2365.98,none,business,1,2239.9,0.352,6,504.77,current,not_applicable,moderate_burden
Niger,2025,rural,female,22,18-24,second,primary,employed_informal,417.01,9,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,male,62,55+,fourth,secondary,employed_formal,776.71,7,none,0,745,1,microfinance,15068.78,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Nigeria,2019,rural,male,65,55+,fourth,primary,employed_informal,473.92,10,good,1,820,1,sacco,4134.16,vehicle,consumption,1,3510.54,0.358,12,397.26,late_30_days,not_applicable,moderate_burden
Zambia,2019,rural,female,34,25-34,second,primary,self_employed,97.59,3,none,1,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,45,35-44,fourth,secondary,self_employed,808.33,7,good,0,151,1,microfinance,5866.87,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2021,rural,female,19,18-24,lowest,none,farmer,103.0,2,good,0,799,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,male,54,45-54,lowest,primary,employed_formal,48.92,5,excellent,0,629,1,family_friends,1257.22,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2024,rural,female,22,18-24,lowest,secondary,employed_informal,16.57,3,none,0,391,1,digital_lender,1374.7,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,rural,male,54,45-54,fourth,primary,unemployed,376.8,6,excellent,1,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,60,55+,lowest,secondary,unemployed,85.48,1,none,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,51,45-54,lowest,secondary,self_employed,17.53,10,limited,1,128,1,commercial_bank,2238.7,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2022,urban,male,44,35-44,middle,secondary,employed_formal,276.68,6,none,0,0,1,informal_lender,2972.51,none,agriculture,1,2893.68,0.791,12,431.84,current,not_applicable,moderate_burden
DRC,2019,rural,male,22,18-24,highest,secondary,employed_formal,1104.21,4,limited,1,697,1,sacco,4241.79,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2021,rural,female,56,55+,fourth,secondary,farmer,273.0,8,good,0,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,43,35-44,second,primary,unemployed,293.62,5,none,1,358,1,family_friends,4778.69,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,rural,male,39,35-44,fourth,tertiary,self_employed,2225.13,9,none,1,353,1,informal_lender,13164.61,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2021,urban,female,33,25-34,highest,primary,employed_formal,1105.39,10,limited,0,261,1,microfinance,7963.76,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2018,urban,female,23,18-24,fourth,none,employed_informal,390.8,6,none,1,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,21,18-24,middle,secondary,self_employed,366.54,1,none,1,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,36,35-44,lowest,secondary,farmer,17.38,7,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,32,25-34,second,none,employed_informal,138.17,1,limited,0,244,1,family_friends,5015.69,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2023,urban,female,25,18-24,middle,tertiary,farmer,431.67,6,limited,0,182,1,microfinance,6101.94,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2024,rural,female,42,35-44,fourth,primary,self_employed,287.25,5,none,0,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,40,35-44,highest,secondary,unemployed,1678.5,1,none,1,701,1,digital_lender,5500.37,none,education,1,5338.22,0.459,36,216.4,current,not_applicable,moderate_burden
South Africa,2022,urban,male,63,55+,highest,primary,employed_formal,168.21,10,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,19,18-24,lowest,secondary,self_employed,101.17,9,good,1,306,1,family_friends,2542.42,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,rural,female,26,25-34,second,secondary,employed_informal,490.9,7,none,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,urban,male,64,55+,highest,primary,self_employed,876.63,1,none,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,30,25-34,lowest,secondary,employed_informal,79.5,6,none,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,male,39,35-44,highest,primary,employed_formal,2191.24,9,none,0,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,57,55+,lowest,secondary,unemployed,62.66,2,none,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,42,35-44,lowest,tertiary,employed_informal,17.08,7,none,1,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,45,35-44,lowest,primary,self_employed,64.7,1,none,0,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,68,55+,second,none,self_employed,117.35,4,none,1,394,1,digital_lender,2820.33,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2019,rural,female,33,25-34,lowest,secondary,employed_informal,44.46,9,none,0,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,male,34,25-34,second,primary,farmer,135.95,4,good,0,297,1,family_friends,2732.11,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2019,rural,female,39,35-44,middle,primary,self_employed,171.38,8,none,0,380,1,family_friends,3569.94,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2021,rural,female,38,35-44,second,secondary,unemployed,33.19,1,good,0,813,1,digital_lender,6235.45,none,housing,1,5846.33,0.427,12,695.32,late_30_days,not_applicable,moderate_burden
Senegal,2023,urban,male,60,55+,middle,primary,farmer,347.93,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,45,35-44,fourth,secondary,self_employed,297.75,6,none,1,0,1,commercial_bank,3805.67,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2021,urban,male,32,25-34,second,primary,employed_formal,192.02,10,good,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,female,69,55+,lowest,primary,self_employed,37.21,2,none,1,671,1,commercial_bank,2063.76,savings,consumption,1,1800.38,0.149,24,86.21,paid_off,not_applicable,moderate_burden
Rwanda,2018,urban,male,44,35-44,second,secondary,unemployed,211.12,1,limited,0,31,1,informal_lender,3356.76,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2024,rural,male,52,45-54,highest,primary,unemployed,468.06,1,limited,0,800,1,informal_lender,5452.32,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2019,urban,female,20,18-24,middle,primary,farmer,103.64,7,limited,0,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,female,40,35-44,highest,primary,employed_formal,720.5,6,none,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,30,25-34,lowest,primary,self_employed,74.68,8,excellent,0,589,1,digital_lender,4714.99,none,housing,1,3829.92,0.436,24,229.16,late_30_days,not_applicable,moderate_burden
Ethiopia,2019,rural,male,32,25-34,second,primary,farmer,118.83,9,limited,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,male,40,35-44,second,primary,employed_informal,234.58,4,none,1,666,1,commercial_bank,10858.92,guarantor,housing,1,10120.35,0.189,36,334.13,paid_off,not_applicable,moderate_burden
Uganda,2025,rural,female,59,55+,middle,none,farmer,261.45,6,limited,0,345,1,family_friends,4295.23,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2019,urban,male,43,35-44,second,primary,self_employed,83.93,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,65,55+,lowest,none,employed_informal,34.15,3,good,0,615,1,family_friends,1909.79,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2018,urban,male,20,18-24,lowest,primary,self_employed,21.16,5,excellent,1,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,43,35-44,lowest,secondary,unemployed,75.48,3,none,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,19,18-24,lowest,primary,employed_informal,109.16,3,limited,0,756,1,family_friends,3496.75,savings,emergency,1,2948.85,0.016,12,249.58,current,not_applicable,moderate_burden
Kenya,2022,urban,female,25,18-24,second,none,unemployed,226.08,1,limited,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,25,18-24,middle,secondary,employed_informal,299.85,1,limited,0,121,1,family_friends,6686.74,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2023,urban,male,69,55+,second,tertiary,farmer,303.41,6,none,1,187,1,commercial_bank,7819.24,property,agriculture,1,7161.19,0.189,12,709.57,current,not_applicable,moderate_burden
South Africa,2020,rural,female,52,45-54,lowest,tertiary,unemployed,67.56,1,limited,1,602,1,commercial_bank,3288.37,savings,emergency,1,2974.3,0.148,12,284.55,current,not_applicable,moderate_burden
Rwanda,2023,rural,female,25,18-24,second,none,employed_informal,51.16,4,none,0,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,27,25-34,second,primary,self_employed,530.75,4,none,0,11,1,digital_lender,5718.39,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2019,rural,male,65,55+,fourth,none,employed_informal,778.66,5,none,0,388,1,family_friends,8350.39,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2018,rural,male,25,18-24,fourth,secondary,farmer,96.11,9,limited,0,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,36,35-44,lowest,none,self_employed,40.36,7,none,0,656,1,microfinance,3566.01,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2023,rural,female,56,55+,middle,primary,employed_informal,155.85,7,none,0,457,1,family_friends,2810.12,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2022,urban,female,19,18-24,second,secondary,employed_formal,381.08,10,none,0,183,1,microfinance,2368.72,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2019,rural,male,37,35-44,highest,secondary,employed_informal,744.57,5,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,30,25-34,middle,secondary,self_employed,276.45,2,none,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,male,31,25-34,middle,secondary,farmer,49.93,5,none,0,309,1,employer,3816.07,property,business,1,3446.25,0.0,24,143.6,current,not_applicable,moderate_burden
DRC,2024,rural,male,36,35-44,middle,secondary,unemployed,161.03,6,none,0,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,60,55+,highest,secondary,self_employed,1037.94,10,none,0,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,female,26,25-34,lowest,tertiary,farmer,24.5,10,none,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,35,25-34,second,tertiary,employed_informal,237.93,2,limited,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,female,23,18-24,lowest,tertiary,self_employed,151.98,9,limited,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,56,55+,highest,primary,self_employed,3533.54,4,limited,0,766,1,sacco,7972.0,savings,emergency,1,7916.89,0.306,12,861.88,paid_off,not_applicable,moderate_burden
Zambia,2018,rural,female,24,18-24,second,secondary,self_employed,188.51,6,good,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,42,35-44,lowest,none,employed_formal,79.1,4,limited,1,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,male,50,45-54,lowest,tertiary,self_employed,193.55,9,none,1,227,1,commercial_bank,2045.14,none,consumption,1,1665.34,0.18,6,327.49,current,not_applicable,moderate_burden
Niger,2024,rural,female,49,45-54,second,secondary,self_employed,122.67,4,none,0,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,female,27,25-34,lowest,tertiary,unemployed,117.5,5,excellent,0,430,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,19,18-24,second,tertiary,self_employed,173.48,1,limited,0,806,1,family_friends,5538.96,guarantor,agriculture,1,4630.62,0.026,18,263.91,current,not_applicable,moderate_burden
Ghana,2023,rural,female,59,55+,second,tertiary,employed_informal,342.91,4,none,1,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,21,18-24,middle,primary,employed_informal,396.15,5,none,0,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,29,25-34,middle,tertiary,employed_formal,355.12,10,limited,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,male,23,18-24,highest,primary,self_employed,1769.25,4,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,female,63,55+,lowest,primary,unemployed,72.09,6,none,0,0,1,family_friends,3333.59,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2024,rural,male,31,25-34,middle,secondary,employed_formal,96.97,10,limited,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,67,55+,lowest,secondary,employed_formal,74.83,4,none,1,188,1,sacco,2811.8,property,consumption,1,2650.44,0.293,24,142.75,current,not_applicable,moderate_burden
Niger,2021,urban,female,46,45-54,second,none,farmer,231.97,9,none,1,333,1,microfinance,7037.02,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2021,rural,male,67,55+,fourth,secondary,employed_formal,291.97,10,none,0,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,male,51,45-54,middle,tertiary,employed_informal,284.9,3,none,1,117,1,digital_lender,4723.8,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2023,rural,female,57,55+,lowest,secondary,farmer,92.42,9,excellent,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,male,59,55+,fourth,none,unemployed,275.1,1,none,1,0,1,microfinance,4894.63,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2024,urban,male,19,18-24,lowest,tertiary,employed_informal,83.34,9,none,0,480,1,informal_lender,10114.93,none,consumption,1,8713.08,0.828,6,2654.86,current,not_applicable,moderate_burden
Senegal,2018,urban,female,57,55+,highest,secondary,self_employed,1647.74,9,none,1,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,male,23,18-24,lowest,secondary,self_employed,14.72,8,good,0,611,1,sacco,1437.51,none,agriculture,1,1199.28,0.272,18,84.72,current,not_applicable,moderate_burden
Mali,2021,rural,female,53,45-54,lowest,tertiary,self_employed,125.55,1,excellent,0,284,1,sacco,7837.77,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2020,rural,female,50,45-54,second,secondary,self_employed,71.26,9,none,1,434,1,commercial_bank,1025.12,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2022,urban,male,20,18-24,middle,tertiary,employed_informal,138.89,4,none,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,34,25-34,second,secondary,employed_informal,53.36,7,none,1,734,1,informal_lender,6158.08,guarantor,consumption,1,6122.25,0.79,12,913.25,paid_off,not_applicable,moderate_burden
Niger,2025,rural,male,53,45-54,lowest,secondary,self_employed,84.42,9,excellent,0,476,1,family_friends,3329.53,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2022,rural,female,68,55+,highest,secondary,self_employed,985.11,5,good,0,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,male,38,35-44,fourth,secondary,farmer,1536.03,6,none,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,female,40,35-44,lowest,secondary,self_employed,100.79,7,none,0,493,1,employer,2919.73,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2018,rural,female,26,25-34,lowest,secondary,employed_formal,136.02,10,none,1,497,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,62,55+,fourth,primary,employed_informal,254.17,3,none,0,232,1,sacco,4768.02,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2019,urban,female,25,18-24,highest,tertiary,self_employed,1044.35,7,limited,1,372,1,digital_lender,7064.0,property,business,1,6884.89,0.468,6,1684.99,paid_off,not_applicable,moderate_burden
Malawi,2019,rural,female,51,45-54,lowest,primary,self_employed,113.97,7,limited,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,female,63,55+,fourth,tertiary,employed_informal,487.64,7,none,1,292,1,microfinance,6698.08,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,urban,female,57,55+,lowest,secondary,unemployed,306.75,3,limited,1,470,1,informal_lender,3831.06,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2020,rural,female,52,45-54,second,secondary,employed_formal,103.95,10,good,0,566,1,digital_lender,3949.78,equipment,business,1,3859.69,0.426,12,458.75,current,not_applicable,moderate_burden
Uganda,2022,rural,male,57,55+,lowest,secondary,farmer,88.85,2,none,1,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,male,53,45-54,highest,tertiary,farmer,886.71,2,excellent,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,male,48,45-54,middle,secondary,employed_informal,153.59,5,good,1,602,1,commercial_bank,9061.78,savings,business,1,8536.93,0.2,24,426.77,current,not_applicable,moderate_burden
Mozambique,2020,rural,female,18,18-24,highest,primary,employed_formal,1087.18,7,none,0,111,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,43,35-44,second,secondary,employed_informal,74.87,4,none,0,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,24,18-24,second,primary,employed_formal,152.79,10,none,0,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,female,43,35-44,fourth,primary,self_employed,467.11,5,limited,0,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,59,55+,lowest,primary,employed_formal,79.28,6,none,0,445,1,informal_lender,1950.92,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2025,urban,female,49,45-54,lowest,primary,employed_informal,49.88,8,good,0,316,1,family_friends,1496.14,vehicle,housing,1,1241.23,0.007,24,52.09,current,not_applicable,moderate_burden
DRC,2022,urban,male,49,45-54,highest,tertiary,farmer,400.76,3,none,0,633,1,employer,5593.37,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2021,rural,female,48,45-54,highest,primary,self_employed,1104.72,7,none,1,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,28,25-34,highest,none,employed_formal,1437.45,10,limited,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,female,47,45-54,fourth,tertiary,employed_informal,271.89,8,none,0,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,male,37,35-44,second,secondary,employed_formal,104.0,7,none,1,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,68,55+,fourth,none,unemployed,560.4,1,none,1,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,female,20,18-24,lowest,primary,employed_formal,88.94,9,none,1,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,34,25-34,second,secondary,employed_formal,184.61,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,53,45-54,highest,none,farmer,460.94,3,none,0,14,1,informal_lender,1184.94,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2021,rural,female,31,25-34,second,tertiary,employed_informal,205.4,3,none,0,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,22,18-24,middle,none,employed_formal,87.05,10,none,1,68,1,family_friends,2318.02,guarantor,education,1,1866.92,0.069,18,110.87,late_30_days,not_applicable,moderate_burden
Malawi,2021,urban,female,30,25-34,second,primary,unemployed,101.72,1,none,0,382,1,family_friends,3589.07,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2022,rural,male,20,18-24,middle,secondary,employed_informal,245.99,2,limited,1,168,1,commercial_bank,3406.77,guarantor,housing,1,2833.04,0.135,12,267.92,current,not_applicable,moderate_burden
Niger,2024,rural,female,28,25-34,second,secondary,farmer,81.65,2,limited,1,603,1,commercial_bank,2174.52,guarantor,asset_purchase,1,1751.26,0.212,24,88.43,late_30_days,not_applicable,moderate_burden
Rwanda,2025,rural,male,62,55+,lowest,secondary,self_employed,41.0,4,limited,1,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,62,55+,middle,secondary,self_employed,113.83,4,good,0,678,1,family_friends,2728.39,none,business,1,2546.5,0.005,12,213.35,late_30_days,not_applicable,moderate_burden
Uganda,2021,rural,male,31,25-34,middle,tertiary,farmer,457.06,6,limited,1,824,1,commercial_bank,10092.37,none,business,1,9373.54,0.159,12,905.67,defaulted,not_applicable,moderate_burden
Uganda,2021,rural,male,66,55+,middle,primary,employed_informal,129.64,8,none,0,435,1,informal_lender,2148.43,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2021,urban,female,20,18-24,lowest,secondary,farmer,72.2,8,excellent,0,230,1,family_friends,4529.87,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2025,rural,male,62,55+,middle,primary,employed_informal,137.26,10,none,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,35,25-34,fourth,primary,unemployed,859.21,1,limited,1,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,female,27,25-34,middle,primary,employed_informal,976.57,9,none,1,278,1,informal_lender,5183.62,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2021,urban,male,48,45-54,middle,primary,unemployed,399.67,6,limited,1,646,1,microfinance,3501.41,none,business,1,2891.05,0.365,12,328.9,late_30_days,not_applicable,moderate_burden
Ethiopia,2019,urban,male,69,55+,fourth,tertiary,employed_informal,997.52,7,limited,1,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,37,35-44,middle,secondary,employed_informal,153.56,4,none,0,52,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,31,25-34,fourth,tertiary,self_employed,523.34,1,none,1,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,female,61,55+,second,secondary,self_employed,231.72,9,excellent,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,60,55+,lowest,primary,employed_informal,38.44,1,none,0,587,1,microfinance,1318.75,none,business,1,1219.18,0.331,18,90.12,paid_off,not_applicable,moderate_burden
Kenya,2020,rural,male,19,18-24,lowest,secondary,employed_formal,40.94,6,none,1,416,1,microfinance,4246.71,savings,business,1,3697.55,0.308,24,201.57,current,not_applicable,moderate_burden
Mali,2020,urban,male,23,18-24,middle,primary,employed_formal,309.93,6,good,1,268,1,commercial_bank,14865.93,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2019,rural,male,48,45-54,lowest,secondary,self_employed,415.01,5,limited,1,295,1,commercial_bank,12649.11,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2025,urban,female,31,25-34,second,secondary,self_employed,447.46,3,good,1,334,1,microfinance,7046.63,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2018,urban,female,24,18-24,fourth,primary,unemployed,297.91,1,limited,1,810,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,34,25-34,fourth,primary,employed_formal,202.99,8,good,0,514,1,digital_lender,9759.74,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2025,urban,female,40,35-44,fourth,secondary,employed_informal,620.53,10,limited,1,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,female,65,55+,middle,none,farmer,126.88,1,excellent,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,46,45-54,second,none,self_employed,49.75,4,limited,1,377,1,family_friends,1665.59,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2025,rural,male,47,45-54,highest,secondary,self_employed,611.07,4,limited,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,39,35-44,fourth,secondary,employed_formal,471.47,4,none,1,69,1,commercial_bank,10902.28,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2019,urban,male,54,45-54,second,secondary,farmer,103.07,4,good,0,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,59,55+,lowest,secondary,employed_informal,63.35,1,none,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,male,21,18-24,lowest,tertiary,farmer,55.58,4,none,0,324,1,family_friends,1983.06,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2024,urban,female,57,55+,highest,secondary,farmer,1369.93,6,limited,0,819,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,66,55+,middle,primary,self_employed,220.69,9,none,0,172,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,62,55+,lowest,secondary,farmer,1544.36,4,none,0,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,female,19,18-24,highest,secondary,unemployed,649.42,5,none,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,male,35,25-34,middle,secondary,self_employed,694.01,8,none,0,434,1,informal_lender,13020.45,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2025,rural,female,51,45-54,lowest,none,farmer,102.52,1,limited,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,male,21,18-24,lowest,none,employed_formal,75.97,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,male,66,55+,highest,secondary,self_employed,562.51,9,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,38,35-44,lowest,primary,employed_informal,70.17,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,60,55+,second,primary,farmer,131.54,10,limited,0,509,1,informal_lender,4251.88,none,agriculture,1,3931.78,0.79,12,586.49,paid_off,not_applicable,moderate_burden
Zambia,2021,urban,female,28,25-34,lowest,tertiary,self_employed,77.47,1,limited,0,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,58,55+,fourth,none,farmer,1262.39,4,none,0,330,1,family_friends,8031.37,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2021,rural,male,61,55+,lowest,secondary,self_employed,98.13,1,limited,1,698,1,informal_lender,10830.84,none,agriculture,1,9922.62,0.787,12,1477.37,current,not_applicable,moderate_burden
DRC,2018,urban,female,46,45-54,second,none,unemployed,288.6,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,45,35-44,lowest,primary,unemployed,82.57,1,excellent,1,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,65,55+,fourth,secondary,self_employed,561.38,10,limited,0,827,1,employer,9206.35,savings,business,1,8582.87,0.036,6,1481.67,paid_off,not_applicable,moderate_burden
Ethiopia,2023,rural,female,24,18-24,highest,primary,self_employed,1483.35,7,good,1,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,44,35-44,lowest,none,unemployed,107.52,4,none,0,496,1,microfinance,6189.47,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,rural,female,64,55+,fourth,tertiary,employed_informal,202.3,5,good,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,68,55+,fourth,secondary,farmer,56.09,1,limited,1,114,1,family_friends,3056.91,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2019,urban,female,60,55+,second,tertiary,self_employed,718.45,6,none,1,482,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,50,45-54,second,tertiary,employed_informal,118.45,1,limited,1,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,female,32,25-34,second,secondary,employed_informal,137.1,8,none,1,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,female,44,35-44,middle,primary,employed_formal,283.21,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,59,55+,middle,primary,employed_informal,164.86,1,limited,0,530,1,informal_lender,2870.52,guarantor,business,1,2758.55,0.784,24,205.0,defaulted,not_applicable,moderate_burden
Malawi,2018,rural,female,21,18-24,fourth,none,employed_informal,531.57,3,limited,1,195,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,male,35,25-34,middle,none,self_employed,231.59,9,good,0,305,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,38,35-44,fourth,primary,employed_informal,503.35,3,none,1,307,1,microfinance,11840.32,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,urban,male,69,55+,middle,primary,unemployed,613.66,1,limited,0,18,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,female,26,25-34,fourth,secondary,self_employed,600.41,8,none,1,0,1,sacco,10719.49,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2019,rural,male,49,45-54,second,primary,self_employed,27.09,5,none,0,220,1,employer,2795.91,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2022,rural,male,31,25-34,highest,tertiary,self_employed,635.23,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,28,25-34,second,secondary,self_employed,434.03,3,none,1,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,51,45-54,lowest,primary,self_employed,42.09,9,limited,0,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,48,45-54,second,secondary,self_employed,1116.41,3,good,1,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,female,69,55+,lowest,tertiary,employed_formal,34.98,7,limited,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,58,55+,lowest,secondary,farmer,164.78,2,good,1,517,1,commercial_bank,6379.02,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2024,rural,female,25,18-24,fourth,primary,employed_formal,540.74,10,none,0,196,1,informal_lender,3665.04,savings,business,1,3153.99,0.785,6,938.1,late_60_days,not_applicable,moderate_burden
DRC,2019,rural,male,62,55+,middle,none,self_employed,120.44,6,none,0,417,1,family_friends,1878.37,guarantor,business,1,1758.08,0.029,6,301.37,late_60_days,not_applicable,moderate_burden
Ethiopia,2025,rural,female,37,35-44,fourth,tertiary,unemployed,306.56,1,none,1,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,male,43,35-44,middle,secondary,self_employed,770.76,5,none,1,702,1,sacco,6529.93,savings,housing,1,6012.0,0.355,18,452.7,late_30_days,not_applicable,moderate_burden
Tanzania,2025,urban,male,63,55+,lowest,tertiary,employed_informal,153.94,2,none,0,0,1,sacco,6988.63,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2025,urban,female,47,45-54,highest,primary,unemployed,4496.53,6,limited,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,male,35,25-34,lowest,primary,employed_informal,61.01,2,none,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,69,55+,fourth,secondary,farmer,474.22,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,49,45-54,lowest,secondary,employed_formal,33.73,4,limited,0,435,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,50,45-54,lowest,primary,employed_formal,10.22,5,none,0,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,24,18-24,middle,secondary,employed_formal,898.0,8,excellent,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,male,22,18-24,second,secondary,unemployed,76.8,1,good,1,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,male,51,45-54,second,none,employed_formal,243.72,10,limited,0,523,1,microfinance,3377.13,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2019,urban,male,29,25-34,fourth,secondary,employed_informal,509.44,8,none,1,388,1,sacco,4720.95,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2022,urban,male,68,55+,lowest,none,unemployed,218.61,4,limited,1,820,1,microfinance,8944.98,none,emergency,1,8010.29,0.272,36,282.97,current,not_applicable,moderate_burden
DRC,2023,urban,male,51,45-54,second,secondary,unemployed,238.3,1,excellent,0,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,68,55+,fourth,primary,employed_informal,354.2,5,limited,0,712,1,family_friends,3460.88,savings,agriculture,1,3366.69,0.068,6,599.19,late_60_days,not_applicable,moderate_burden
Uganda,2023,rural,female,26,25-34,highest,secondary,employed_informal,612.68,5,none,0,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,urban,male,66,55+,lowest,primary,employed_informal,24.0,6,good,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,34,25-34,middle,tertiary,employed_informal,137.46,6,limited,0,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,25,18-24,highest,primary,self_employed,244.72,4,excellent,0,786,1,family_friends,5482.31,none,education,1,5297.1,0.001,18,294.51,paid_off,not_applicable,moderate_burden
Nigeria,2021,rural,female,23,18-24,second,tertiary,employed_informal,128.66,10,none,1,0,1,microfinance,3169.75,none,consumption,1,3079.72,0.284,12,329.45,late_60_days,not_applicable,moderate_burden
South Africa,2023,rural,female,63,55+,middle,none,self_employed,132.63,10,excellent,0,850,1,microfinance,3265.2,none,consumption,1,3186.25,0.355,6,719.31,current,not_applicable,moderate_burden
Mali,2020,rural,female,54,45-54,fourth,secondary,farmer,70.31,1,limited,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,20,18-24,second,secondary,unemployed,37.5,4,excellent,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,67,55+,fourth,tertiary,employed_informal,135.3,1,none,0,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,male,20,18-24,second,secondary,self_employed,38.29,5,good,0,472,1,commercial_bank,1179.46,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2023,urban,female,20,18-24,highest,secondary,farmer,1311.02,10,none,1,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,50,45-54,middle,primary,farmer,230.56,8,good,1,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,36,35-44,highest,primary,self_employed,637.63,10,good,0,850,1,employer,12521.42,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2021,urban,female,31,25-34,second,secondary,employed_formal,160.94,10,none,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,female,21,18-24,lowest,secondary,self_employed,31.33,6,limited,0,801,1,family_friends,7497.81,property,consumption,1,6905.97,0.055,6,1214.39,current,not_applicable,moderate_burden
Kenya,2021,rural,female,32,25-34,second,secondary,farmer,147.41,2,none,1,110,1,sacco,1717.1,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2020,urban,male,40,35-44,highest,primary,self_employed,2136.23,3,good,1,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,female,68,55+,second,none,unemployed,677.58,4,good,0,840,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,female,20,18-24,highest,none,farmer,676.05,5,none,0,232,1,family_friends,6193.79,property,business,1,5797.93,0.095,6,1058.07,current,not_applicable,moderate_burden
Malawi,2018,rural,female,49,45-54,second,secondary,farmer,100.08,6,none,0,0,1,family_friends,2031.62,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2023,rural,female,64,55+,middle,tertiary,self_employed,107.74,2,none,0,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,66,55+,highest,secondary,unemployed,209.47,6,limited,1,850,1,commercial_bank,3157.72,savings,consumption,1,2653.65,0.214,18,178.93,defaulted,not_applicable,moderate_burden
Tanzania,2018,rural,male,19,18-24,second,none,farmer,108.84,1,limited,0,802,1,microfinance,2946.97,none,housing,1,2550.71,0.333,12,283.4,current,not_applicable,moderate_burden
Zambia,2019,urban,male,60,55+,middle,primary,employed_informal,231.14,10,good,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,62,55+,middle,secondary,self_employed,928.16,2,none,0,294,1,commercial_bank,4755.3,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,rural,male,51,45-54,middle,secondary,employed_informal,126.58,1,limited,0,253,1,informal_lender,3877.32,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,urban,female,27,25-34,highest,primary,farmer,1200.89,6,good,0,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,52,45-54,middle,secondary,self_employed,325.69,2,none,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,58,55+,middle,tertiary,employed_informal,209.46,7,none,1,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,male,56,55+,second,tertiary,employed_informal,149.09,2,none,1,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,39,35-44,lowest,secondary,self_employed,20.16,3,none,0,617,1,commercial_bank,1320.09,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2024,rural,male,46,45-54,middle,tertiary,employed_informal,317.94,10,none,0,288,1,informal_lender,7058.62,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2019,rural,male,23,18-24,second,none,employed_informal,285.13,3,none,0,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,male,22,18-24,highest,primary,unemployed,540.45,1,none,1,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,female,47,45-54,fourth,secondary,self_employed,597.98,1,none,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,29,25-34,fourth,tertiary,farmer,289.61,8,none,1,590,1,family_friends,3406.56,guarantor,agriculture,1,3259.59,0.062,24,144.17,defaulted,not_applicable,moderate_burden
Uganda,2023,urban,male,37,35-44,lowest,none,unemployed,238.52,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,male,18,18-24,middle,none,unemployed,323.75,6,none,1,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,30,25-34,lowest,primary,self_employed,117.53,6,good,1,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,63,55+,fourth,secondary,unemployed,313.31,2,limited,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,26,25-34,highest,primary,employed_formal,1133.85,10,none,0,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,61,55+,second,secondary,farmer,224.54,2,limited,1,379,1,commercial_bank,3299.11,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2023,rural,female,26,25-34,lowest,secondary,employed_informal,72.09,5,none,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,61,55+,fourth,tertiary,employed_informal,672.22,9,none,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,50,45-54,middle,none,unemployed,175.2,1,limited,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,24,18-24,middle,tertiary,self_employed,134.7,3,limited,1,723,1,digital_lender,5642.37,guarantor,housing,1,4906.04,0.487,6,1215.57,current,not_applicable,moderate_burden
Ethiopia,2024,urban,male,19,18-24,lowest,primary,farmer,145.12,5,none,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,34,25-34,highest,primary,unemployed,557.02,1,none,0,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,21,18-24,fourth,primary,unemployed,322.63,1,good,1,478,1,informal_lender,1301.72,none,business,1,1111.01,0.818,18,112.19,current,not_applicable,moderate_burden
Mozambique,2024,urban,female,34,25-34,highest,none,employed_formal,392.92,10,good,1,850,1,commercial_bank,8589.75,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2022,urban,female,43,35-44,fourth,tertiary,farmer,316.16,7,none,0,144,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,25,18-24,second,secondary,unemployed,68.35,1,none,0,449,1,microfinance,1103.35,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2022,rural,male,59,55+,highest,secondary,self_employed,182.83,10,none,0,549,1,microfinance,2284.68,none,consumption,1,1846.47,0.351,18,138.62,paid_off,not_applicable,moderate_burden
Rwanda,2024,rural,female,38,35-44,lowest,secondary,self_employed,110.64,3,limited,0,290,1,microfinance,5181.11,none,business,1,4511.71,0.282,6,963.82,paid_off,not_applicable,moderate_burden
Senegal,2024,urban,male,30,25-34,highest,secondary,self_employed,502.11,1,limited,0,291,1,microfinance,6861.83,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2020,rural,male,67,55+,lowest,primary,self_employed,81.89,1,none,0,280,1,microfinance,5944.25,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2019,rural,female,53,45-54,lowest,secondary,farmer,74.04,2,none,1,686,1,informal_lender,3789.09,savings,business,1,3523.66,0.822,6,1069.96,current,not_applicable,moderate_burden
South Africa,2024,urban,male,41,35-44,highest,primary,farmer,727.3,5,none,0,154,1,microfinance,10695.03,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2022,urban,male,26,25-34,highest,tertiary,self_employed,1953.87,1,limited,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,18,18-24,fourth,secondary,unemployed,475.56,2,good,1,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,51,45-54,second,primary,farmer,71.35,8,limited,1,62,1,microfinance,2075.79,guarantor,business,1,1880.77,0.359,18,142.04,late_30_days,not_applicable,moderate_burden
Ethiopia,2019,urban,female,44,35-44,lowest,none,self_employed,43.91,9,none,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,male,45,35-44,lowest,primary,employed_informal,40.13,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,34,25-34,middle,primary,employed_informal,233.84,5,limited,1,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,urban,female,69,55+,lowest,none,employed_formal,48.07,10,none,1,270,1,microfinance,6466.31,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2018,rural,male,61,55+,middle,secondary,employed_informal,120.76,8,good,1,176,1,microfinance,2427.96,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2022,rural,female,52,45-54,lowest,tertiary,farmer,59.82,4,excellent,1,850,1,microfinance,5994.31,property,business,1,5760.28,0.349,12,647.57,paid_off,not_applicable,moderate_burden
Rwanda,2020,rural,male,53,45-54,second,tertiary,unemployed,651.18,1,limited,1,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,23,18-24,middle,tertiary,self_employed,116.93,3,limited,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,40,35-44,highest,secondary,farmer,554.01,2,none,1,664,1,family_friends,4673.35,none,consumption,1,3810.12,0.005,6,637.89,current,not_applicable,moderate_burden
Zambia,2023,urban,male,25,18-24,lowest,primary,farmer,33.09,6,none,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,female,45,35-44,lowest,secondary,unemployed,60.96,6,excellent,1,741,1,commercial_bank,1575.57,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2018,urban,male,33,25-34,fourth,secondary,self_employed,247.81,10,excellent,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,female,24,18-24,middle,primary,self_employed,48.28,7,good,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,23,18-24,lowest,tertiary,farmer,18.27,1,limited,1,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,61,55+,fourth,tertiary,farmer,640.14,6,limited,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,57,55+,lowest,primary,employed_informal,91.08,10,limited,0,789,1,commercial_bank,2356.42,none,agriculture,1,2345.78,0.184,18,154.36,late_60_days,not_applicable,moderate_burden
Malawi,2021,rural,male,34,25-34,middle,secondary,self_employed,469.01,2,excellent,1,682,1,commercial_bank,23790.82,none,housing,1,22948.84,0.209,12,2311.45,defaulted,not_applicable,moderate_burden
Kenya,2025,rural,male,34,25-34,middle,none,employed_formal,117.99,9,none,1,405,1,commercial_bank,3329.81,guarantor,education,1,3164.52,0.158,36,101.8,current,not_applicable,moderate_burden
Malawi,2018,rural,male,35,25-34,lowest,primary,farmer,40.11,8,none,0,562,1,family_friends,3416.75,none,consumption,1,3280.07,0.064,18,193.98,defaulted,not_applicable,moderate_burden
Senegal,2022,rural,female,57,55+,middle,none,self_employed,172.57,1,limited,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,55,45-54,fourth,primary,farmer,226.54,7,none,1,426,1,digital_lender,2483.08,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2020,rural,male,29,25-34,highest,primary,employed_informal,1061.94,8,none,1,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,19,18-24,middle,secondary,self_employed,332.66,5,limited,1,691,1,digital_lender,3152.01,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2023,rural,male,65,55+,fourth,none,self_employed,263.29,7,good,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,69,55+,fourth,primary,employed_informal,2183.53,4,none,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,44,35-44,second,primary,self_employed,246.91,2,good,0,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,21,18-24,middle,secondary,self_employed,376.71,8,excellent,1,838,1,microfinance,22238.05,savings,education,1,20096.09,0.364,6,4569.83,current,not_applicable,moderate_burden
Uganda,2023,rural,male,69,55+,highest,secondary,unemployed,623.31,6,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,46,45-54,lowest,primary,employed_informal,88.88,8,none,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,25,18-24,lowest,tertiary,unemployed,36.09,1,none,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,45,35-44,fourth,primary,self_employed,185.67,7,none,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,53,45-54,fourth,none,employed_informal,808.94,9,limited,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,male,22,18-24,middle,secondary,employed_informal,457.76,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,48,45-54,middle,tertiary,farmer,396.31,3,limited,1,322,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,male,38,35-44,lowest,secondary,self_employed,122.12,9,limited,0,602,1,family_friends,9591.03,savings,asset_purchase,1,9414.25,0.081,48,212.05,current,not_applicable,moderate_burden
Rwanda,2018,urban,female,50,45-54,middle,none,farmer,571.04,6,good,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,18,18-24,second,secondary,employed_informal,77.64,9,good,0,299,1,microfinance,6199.33,property,business,1,5279.08,0.314,12,578.07,paid_off,not_applicable,moderate_burden
Ethiopia,2020,urban,male,63,55+,lowest,primary,self_employed,42.95,3,limited,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,59,55+,middle,secondary,employed_informal,132.26,4,none,0,47,1,informal_lender,2152.73,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2019,urban,male,45,35-44,second,primary,employed_formal,453.53,10,limited,0,407,1,informal_lender,6627.72,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2022,rural,male,42,35-44,highest,none,unemployed,933.97,2,none,0,843,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,male,46,45-54,second,primary,employed_informal,110.81,2,good,0,171,1,informal_lender,3965.11,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2022,urban,female,54,45-54,fourth,none,self_employed,284.25,3,limited,0,826,1,family_friends,6832.32,none,emergency,1,6373.86,0.025,12,544.47,current,not_applicable,moderate_burden
Nigeria,2021,urban,female,19,18-24,fourth,secondary,unemployed,479.43,1,none,1,0,1,employer,2753.88,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2024,rural,male,44,35-44,middle,primary,unemployed,220.78,2,excellent,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,female,28,25-34,fourth,secondary,self_employed,88.88,3,limited,0,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,22,18-24,lowest,tertiary,farmer,34.62,1,good,0,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,62,55+,highest,secondary,self_employed,446.14,5,none,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,male,68,55+,middle,secondary,employed_informal,153.36,3,limited,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,60,55+,fourth,primary,farmer,463.74,6,limited,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,67,55+,highest,secondary,farmer,368.31,9,none,0,244,1,microfinance,2804.63,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2024,rural,male,45,35-44,second,secondary,unemployed,69.07,1,limited,0,693,1,family_friends,3499.25,vehicle,business,1,3061.61,0.075,24,137.19,current,not_applicable,moderate_burden
Zambia,2025,rural,male,50,45-54,second,primary,self_employed,188.01,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,male,22,18-24,second,none,self_employed,350.13,3,none,1,37,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,20,18-24,middle,tertiary,farmer,189.97,5,good,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,male,61,55+,middle,secondary,employed_formal,142.8,9,good,0,553,1,informal_lender,1404.55,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2025,urban,female,44,35-44,lowest,primary,unemployed,48.09,2,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,41,35-44,middle,none,self_employed,275.78,7,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,34,25-34,lowest,primary,unemployed,254.23,4,limited,0,352,1,commercial_bank,4748.91,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2022,rural,female,19,18-24,second,none,employed_informal,366.13,10,limited,0,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,27,25-34,second,secondary,employed_informal,76.97,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,male,51,45-54,fourth,primary,employed_informal,317.19,6,none,1,144,1,digital_lender,2150.88,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2020,urban,male,66,55+,lowest,primary,employed_informal,32.51,10,limited,1,455,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,68,55+,middle,primary,unemployed,332.59,6,excellent,0,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,49,45-54,highest,secondary,self_employed,1998.24,2,none,1,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,54,45-54,fourth,primary,self_employed,401.96,1,none,1,0,1,sacco,4284.88,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2021,urban,male,68,55+,second,primary,unemployed,196.21,3,limited,0,769,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,54,45-54,middle,primary,farmer,90.37,10,excellent,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,50,45-54,second,tertiary,unemployed,125.23,4,excellent,1,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,male,30,25-34,fourth,primary,unemployed,549.96,1,limited,0,277,1,informal_lender,7578.36,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2020,urban,male,52,45-54,second,primary,self_employed,243.91,10,limited,0,619,1,informal_lender,6765.48,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2021,urban,male,34,25-34,middle,primary,employed_informal,470.04,9,limited,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,67,55+,lowest,secondary,self_employed,29.07,8,none,0,304,1,family_friends,2444.14,property,agriculture,1,2257.39,0.084,36,68.0,current,not_applicable,moderate_burden
Ethiopia,2020,urban,female,20,18-24,middle,none,farmer,897.04,4,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,66,55+,fourth,primary,farmer,495.57,2,limited,0,606,1,microfinance,6436.52,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2019,rural,female,42,35-44,second,secondary,farmer,114.24,6,good,0,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,54,45-54,lowest,secondary,farmer,52.93,1,good,0,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,female,64,55+,lowest,tertiary,farmer,71.62,1,limited,1,725,1,digital_lender,2233.33,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2023,rural,male,51,45-54,lowest,secondary,farmer,23.55,3,good,0,470,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,40,35-44,middle,tertiary,self_employed,93.09,7,none,1,651,1,microfinance,4007.84,none,business,1,3704.14,0.307,48,100.83,paid_off,not_applicable,moderate_burden
Tanzania,2022,rural,male,65,55+,fourth,none,employed_informal,720.38,3,none,1,206,1,informal_lender,5678.87,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2021,rural,male,24,18-24,fourth,none,farmer,287.26,1,excellent,0,319,1,employer,4906.97,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2019,rural,male,57,55+,lowest,primary,employed_informal,98.2,7,none,1,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,20,18-24,middle,primary,self_employed,434.11,3,limited,1,181,1,commercial_bank,15305.41,property,asset_purchase,1,14018.43,0.164,6,2718.58,defaulted,not_applicable,moderate_burden
Rwanda,2024,urban,male,51,45-54,fourth,tertiary,farmer,161.11,8,none,1,650,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,31,25-34,lowest,secondary,farmer,63.27,10,limited,0,563,1,family_friends,2133.43,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2019,rural,female,46,45-54,middle,secondary,employed_informal,176.16,8,limited,0,74,1,informal_lender,3357.32,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2025,rural,female,26,25-34,middle,primary,employed_formal,388.73,10,none,1,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,64,55+,second,primary,employed_formal,82.85,9,good,1,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,urban,male,25,18-24,lowest,primary,unemployed,92.48,1,limited,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,47,45-54,lowest,secondary,unemployed,105.28,1,none,0,364,1,informal_lender,1661.19,guarantor,consumption,1,1389.05,0.813,6,419.84,paid_off,not_applicable,moderate_burden
Ghana,2023,rural,female,37,35-44,lowest,secondary,employed_informal,104.88,5,limited,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,59,55+,second,tertiary,self_employed,68.52,5,excellent,1,582,1,microfinance,1042.99,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2023,rural,female,64,55+,lowest,primary,farmer,24.93,6,limited,0,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,21,18-24,middle,tertiary,employed_informal,863.63,2,limited,1,536,1,family_friends,6074.91,guarantor,education,1,5230.27,0.018,24,221.82,current,not_applicable,moderate_burden
Ghana,2022,rural,male,41,35-44,second,primary,unemployed,89.58,4,none,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,44,35-44,fourth,primary,unemployed,545.62,5,none,0,280,1,microfinance,8337.01,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2022,rural,male,53,45-54,lowest,secondary,farmer,21.77,7,limited,0,77,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,male,34,25-34,fourth,secondary,employed_formal,276.73,5,none,1,186,1,commercial_bank,6925.99,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2025,rural,female,28,25-34,fourth,none,self_employed,185.95,9,none,1,750,1,digital_lender,3090.96,none,business,1,2869.86,0.433,12,342.77,defaulted,not_applicable,moderate_burden
Malawi,2023,rural,female,37,35-44,fourth,secondary,unemployed,412.3,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,68,55+,middle,none,self_employed,201.57,1,excellent,1,633,1,microfinance,3153.0,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2018,rural,male,55,45-54,middle,secondary,unemployed,149.76,1,none,1,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,64,55+,lowest,none,self_employed,123.37,5,excellent,1,670,1,digital_lender,7604.21,savings,business,1,7254.11,0.411,18,568.6,current,not_applicable,moderate_burden
Niger,2020,urban,female,28,25-34,fourth,secondary,employed_informal,610.41,8,none,0,499,1,family_friends,6755.62,property,consumption,1,5498.38,0.011,6,926.3,late_30_days,not_applicable,moderate_burden
South Africa,2019,rural,female,69,55+,lowest,secondary,employed_formal,143.65,10,none,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,male,56,55+,fourth,none,farmer,111.54,5,none,1,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,male,37,35-44,second,primary,self_employed,39.16,8,limited,0,810,1,informal_lender,1231.72,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,rural,female,43,35-44,middle,none,self_employed,174.47,5,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,male,24,18-24,middle,primary,farmer,192.77,8,excellent,0,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,69,55+,fourth,tertiary,self_employed,103.64,1,good,0,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,male,32,25-34,second,none,employed_informal,63.94,8,none,0,139,1,family_friends,4763.78,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2025,urban,female,68,55+,fourth,primary,self_employed,644.45,3,none,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,56,55+,second,secondary,self_employed,95.46,6,limited,1,667,1,family_friends,4077.31,vehicle,business,1,3718.65,0.029,24,159.39,current,not_applicable,moderate_burden
Ethiopia,2025,rural,female,57,55+,middle,secondary,self_employed,431.97,1,limited,0,745,1,sacco,9727.79,equipment,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Zambia,2025,urban,female,66,55+,fourth,primary,self_employed,914.58,9,good,1,223,1,commercial_bank,5039.31,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2024,rural,female,54,45-54,second,tertiary,unemployed,227.79,1,limited,0,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,40,35-44,fourth,secondary,unemployed,323.77,1,limited,1,631,1,sacco,2874.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2019,rural,male,68,55+,lowest,none,employed_informal,75.0,1,limited,0,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,40,35-44,second,none,farmer,191.89,5,limited,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,67,55+,highest,secondary,self_employed,352.59,3,good,1,481,1,commercial_bank,4233.08,none,business,1,4183.91,0.212,12,422.44,late_30_days,not_applicable,moderate_burden
Tanzania,2018,rural,male,63,55+,lowest,secondary,employed_informal,144.33,7,none,0,316,1,sacco,1740.21,equipment,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2019,rural,female,41,35-44,lowest,tertiary,farmer,16.42,3,none,1,0,1,digital_lender,941.47,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2025,rural,female,67,55+,middle,secondary,employed_formal,390.01,4,good,1,696,1,commercial_bank,5102.95,none,agriculture,1,4923.76,0.177,6,965.78,late_30_days,not_applicable,moderate_burden
DRC,2021,urban,male,55,45-54,second,primary,employed_informal,132.0,10,none,0,53,1,digital_lender,2317.67,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2018,urban,male,69,55+,middle,none,employed_informal,286.16,5,limited,1,427,1,commercial_bank,2517.87,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2022,urban,male,67,55+,lowest,secondary,unemployed,47.88,2,limited,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,55,45-54,highest,primary,farmer,749.2,2,good,1,818,1,commercial_bank,4608.03,guarantor,agriculture,1,4370.15,0.143,6,832.21,late_30_days,not_applicable,moderate_burden
Mali,2024,urban,male,69,55+,second,secondary,farmer,42.58,2,limited,0,763,1,microfinance,4516.07,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2022,rural,male,27,25-34,middle,tertiary,farmer,227.87,10,limited,1,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,45,35-44,middle,secondary,unemployed,79.07,1,limited,1,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,66,55+,highest,none,employed_informal,656.66,3,none,0,173,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,61,55+,lowest,secondary,employed_informal,126.28,5,limited,1,524,1,sacco,2393.9,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2025,rural,male,28,25-34,middle,secondary,self_employed,345.64,4,none,0,110,1,commercial_bank,6287.69,savings,agriculture,1,5521.31,0.216,18,372.92,current,not_applicable,moderate_burden
Tanzania,2024,urban,female,24,18-24,fourth,secondary,farmer,669.63,10,limited,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,24,18-24,lowest,none,employed_informal,90.77,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,41,35-44,middle,tertiary,unemployed,589.3,3,good,1,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,female,26,25-34,second,primary,employed_informal,146.73,3,limited,1,48,1,commercial_bank,16423.82,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2023,rural,female,59,55+,middle,secondary,farmer,233.9,5,limited,0,802,1,digital_lender,5346.87,equipment,housing,1,5222.06,0.434,24,312.1,current,not_applicable,moderate_burden
Ghana,2022,rural,male,23,18-24,fourth,secondary,self_employed,94.06,6,none,0,618,1,microfinance,6553.78,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2022,rural,female,46,45-54,middle,none,employed_informal,365.97,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,male,24,18-24,lowest,primary,employed_formal,103.26,10,none,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,43,35-44,middle,secondary,unemployed,152.14,3,none,1,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,female,28,25-34,middle,primary,self_employed,247.45,1,excellent,0,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,31,25-34,middle,primary,employed_informal,348.07,3,none,1,10,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,68,55+,second,none,self_employed,114.91,10,none,0,685,1,family_friends,3569.6,none,business,1,3342.51,0.054,6,586.9,late_60_days,not_applicable,moderate_burden
Niger,2024,rural,female,55,45-54,middle,secondary,employed_informal,312.27,3,good,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,urban,female,46,45-54,second,primary,employed_formal,207.71,8,none,0,235,1,microfinance,5489.67,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2024,rural,male,21,18-24,fourth,tertiary,self_employed,312.72,5,none,0,581,1,family_friends,3884.95,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2025,rural,male,46,45-54,middle,tertiary,unemployed,226.15,5,excellent,1,850,1,sacco,6260.31,none,business,1,5888.12,0.358,18,444.21,late_30_days,not_applicable,moderate_burden
Kenya,2023,rural,male,27,25-34,second,tertiary,unemployed,179.04,1,none,1,607,1,commercial_bank,4966.35,guarantor,debt_consolidation,1,4349.53,0.157,12,419.5,current,not_applicable,moderate_burden
Mozambique,2022,urban,male,35,25-34,highest,secondary,self_employed,518.84,8,none,0,767,1,family_friends,2683.33,none,business,1,2586.98,0.072,6,462.16,late_30_days,not_applicable,moderate_burden
Rwanda,2020,rural,male,29,25-34,second,secondary,farmer,473.67,10,none,0,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,28,25-34,fourth,secondary,farmer,486.28,2,limited,0,476,1,sacco,6972.66,equipment,consumption,1,5954.23,0.28,12,634.94,late_30_days,not_applicable,moderate_burden
Nigeria,2024,urban,male,23,18-24,middle,primary,unemployed,683.06,4,none,0,519,1,family_friends,5169.86,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2021,urban,female,42,35-44,middle,none,employed_formal,545.56,9,limited,0,281,1,microfinance,5484.9,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2024,urban,female,23,18-24,highest,primary,farmer,720.24,8,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,67,55+,second,none,self_employed,120.03,6,none,1,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,female,39,35-44,lowest,none,self_employed,42.21,3,excellent,0,804,1,informal_lender,1996.39,guarantor,business,1,1838.6,0.839,12,281.73,paid_off,not_applicable,moderate_burden
Uganda,2020,rural,male,50,45-54,second,primary,employed_informal,599.02,9,limited,0,686,1,commercial_bank,17977.98,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2020,rural,female,66,55+,second,secondary,employed_formal,80.16,4,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,male,27,25-34,fourth,secondary,farmer,206.15,10,good,1,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,60,55+,second,secondary,farmer,85.74,3,limited,1,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,24,18-24,middle,secondary,farmer,202.76,4,none,0,386,1,microfinance,7286.13,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2020,rural,male,47,45-54,middle,tertiary,self_employed,114.43,3,none,1,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,45,35-44,highest,secondary,employed_formal,728.06,10,none,0,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,32,25-34,highest,none,employed_formal,1008.6,10,none,1,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,female,59,55+,lowest,primary,self_employed,43.45,2,limited,0,489,1,sacco,4422.65,equipment,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2021,urban,male,24,18-24,highest,tertiary,self_employed,1053.86,4,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,male,50,45-54,middle,secondary,employed_informal,641.42,7,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,62,55+,middle,primary,farmer,212.48,2,none,0,33,1,family_friends,3132.99,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2018,urban,male,60,55+,lowest,secondary,employed_formal,60.72,7,excellent,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,22,18-24,second,none,employed_informal,118.73,6,none,0,75,1,informal_lender,6894.83,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2023,rural,male,49,45-54,lowest,tertiary,employed_informal,76.28,4,good,0,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,female,41,35-44,middle,primary,self_employed,545.73,2,none,0,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,43,35-44,highest,secondary,farmer,1690.3,2,limited,1,622,1,commercial_bank,10735.14,property,agriculture,1,9926.47,0.138,12,941.45,current,not_applicable,moderate_burden
Ethiopia,2023,urban,female,43,35-44,lowest,tertiary,self_employed,48.0,1,limited,1,536,1,digital_lender,5934.97,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2019,urban,male,35,25-34,fourth,primary,employed_informal,244.16,4,limited,0,727,1,informal_lender,3554.36,none,emergency,1,3036.6,0.82,6,920.99,late_60_days,not_applicable,moderate_burden
Mali,2025,rural,female,47,45-54,middle,primary,employed_informal,442.35,6,none,1,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,23,18-24,fourth,none,self_employed,1070.93,2,limited,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,female,25,18-24,second,primary,employed_informal,360.13,8,limited,0,18,1,microfinance,9032.56,savings,business,1,7938.0,0.318,24,435.85,paid_off,not_applicable,moderate_burden
Ethiopia,2025,rural,female,61,55+,lowest,none,unemployed,137.92,2,none,0,383,1,family_friends,6957.98,property,agriculture,1,6125.35,0.088,12,555.38,defaulted,not_applicable,moderate_burden
Uganda,2022,urban,male,64,55+,middle,secondary,self_employed,165.15,6,none,0,0,1,sacco,1751.2,guarantor,business,1,1747.88,0.351,12,196.72,current,not_applicable,moderate_burden
Ghana,2025,urban,female,22,18-24,second,tertiary,self_employed,146.88,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,42,35-44,middle,primary,farmer,422.62,1,good,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,42,35-44,middle,none,employed_informal,148.97,7,limited,0,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,50,45-54,second,tertiary,farmer,237.71,2,none,0,634,1,informal_lender,8918.75,savings,education,1,7405.03,0.807,18,743.58,current,not_applicable,moderate_burden
Uganda,2023,rural,male,50,45-54,middle,tertiary,employed_informal,158.07,3,none,0,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,female,48,45-54,second,tertiary,employed_informal,58.54,7,limited,0,129,1,family_friends,3156.67,savings,business,1,2655.65,0.005,12,222.45,current,not_applicable,moderate_burden
Zambia,2023,urban,female,19,18-24,highest,secondary,farmer,537.63,2,limited,1,810,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,37,35-44,second,secondary,self_employed,55.79,1,none,0,262,1,microfinance,1505.82,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2025,rural,male,27,25-34,lowest,tertiary,employed_informal,84.95,4,limited,0,799,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,27,25-34,middle,primary,farmer,243.55,10,none,0,620,1,digital_lender,5134.72,none,housing,1,4559.51,0.409,6,1070.49,late_30_days,not_applicable,moderate_burden
Zambia,2018,rural,female,52,45-54,middle,secondary,employed_formal,194.02,6,limited,0,253,1,informal_lender,4765.03,savings,education,1,4101.19,0.787,6,1221.42,paid_off,not_applicable,moderate_burden
Zambia,2019,rural,male,57,55+,second,secondary,self_employed,192.29,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,26,25-34,middle,secondary,self_employed,1304.0,1,limited,1,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,48,45-54,fourth,none,farmer,386.01,6,none,1,726,1,sacco,11032.57,equipment,agriculture,1,8951.04,0.328,6,1981.17,current,not_applicable,moderate_burden
Niger,2023,rural,female,19,18-24,middle,tertiary,employed_informal,151.97,10,good,1,797,1,commercial_bank,2744.78,none,agriculture,1,2282.87,0.225,36,77.69,defaulted,not_applicable,moderate_burden
Tanzania,2018,rural,female,61,55+,second,primary,self_employed,137.86,1,none,0,605,1,family_friends,4252.97,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2018,rural,male,51,45-54,fourth,primary,farmer,363.04,5,limited,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,29,25-34,middle,secondary,farmer,218.02,1,none,1,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,female,62,55+,fourth,tertiary,unemployed,470.49,4,good,1,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,29,25-34,lowest,tertiary,employed_formal,47.17,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,21,18-24,fourth,primary,farmer,662.11,10,none,1,672,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,female,58,55+,lowest,primary,self_employed,32.86,8,good,0,678,1,digital_lender,4333.19,guarantor,agriculture,1,4076.52,0.455,18,329.42,current,not_applicable,moderate_burden
Mali,2024,urban,male,45,35-44,second,primary,farmer,189.01,7,none,0,283,1,family_friends,3913.78,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2023,urban,female,44,35-44,fourth,primary,self_employed,1311.25,7,none,0,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,female,49,45-54,fourth,secondary,employed_formal,512.5,7,none,1,300,1,digital_lender,11111.71,property,business,1,9391.97,0.464,24,572.82,current,not_applicable,moderate_burden
Mali,2021,rural,male,42,35-44,second,secondary,self_employed,90.73,10,limited,1,199,1,digital_lender,3136.86,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2021,urban,male,31,25-34,lowest,tertiary,farmer,179.59,8,limited,0,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,33,25-34,middle,primary,farmer,300.39,1,limited,0,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,male,35,25-34,middle,primary,employed_informal,76.44,9,none,0,735,1,informal_lender,5248.29,none,asset_purchase,1,4508.13,0.761,12,661.47,paid_off,not_applicable,moderate_burden
Senegal,2025,rural,female,39,35-44,second,secondary,farmer,117.36,9,none,0,380,1,family_friends,2194.96,guarantor,business,1,2161.5,0.032,36,61.95,late_60_days,not_applicable,moderate_burden
Ethiopia,2025,rural,male,31,25-34,second,secondary,employed_formal,156.0,8,none,0,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,female,30,25-34,highest,primary,employed_informal,732.41,2,none,0,252,1,employer,5224.53,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2025,urban,male,25,18-24,second,none,employed_informal,186.56,3,limited,0,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,44,35-44,highest,primary,self_employed,338.51,8,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,male,61,55+,lowest,primary,farmer,75.43,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,37,35-44,lowest,secondary,employed_informal,100.45,1,limited,0,240,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,female,50,45-54,lowest,primary,farmer,66.41,7,none,0,652,1,informal_lender,4056.72,equipment,consumption,1,3387.03,0.801,36,169.46,defaulted,not_applicable,moderate_burden
Niger,2020,rural,male,46,45-54,highest,primary,employed_informal,836.11,10,excellent,0,765,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,male,32,25-34,lowest,tertiary,farmer,70.44,5,none,1,121,1,microfinance,5255.88,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2024,rural,female,68,55+,middle,secondary,unemployed,406.1,1,none,1,324,1,sacco,27403.78,none,housing,1,22517.29,0.287,6,4830.66,current,not_applicable,moderate_burden
Zambia,2022,rural,male,56,55+,fourth,secondary,farmer,343.99,4,good,1,467,1,commercial_bank,7123.51,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2021,rural,male,58,55+,highest,none,self_employed,548.95,8,limited,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,19,18-24,fourth,primary,unemployed,173.09,4,none,0,665,1,microfinance,1697.1,guarantor,business,1,1542.12,0.287,24,82.72,defaulted,not_applicable,moderate_burden
Nigeria,2019,rural,female,53,45-54,middle,secondary,employed_informal,172.66,2,good,1,476,1,microfinance,2151.95,none,business,1,1813.4,0.336,12,201.87,paid_off,not_applicable,moderate_burden
Kenya,2020,urban,female,40,35-44,fourth,secondary,employed_formal,1197.82,9,good,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,20,18-24,highest,primary,farmer,616.79,4,limited,1,624,1,sacco,3570.05,guarantor,asset_purchase,1,3379.68,0.33,24,187.29,late_60_days,not_applicable,moderate_burden
Mali,2019,rural,female,37,35-44,lowest,secondary,unemployed,115.14,3,good,0,219,1,family_friends,5156.77,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2025,rural,female,40,35-44,highest,primary,self_employed,1104.56,4,none,1,223,1,sacco,3860.54,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2025,urban,male,50,45-54,highest,primary,self_employed,559.27,8,good,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,female,41,35-44,second,secondary,unemployed,188.22,4,none,1,54,1,commercial_bank,2739.42,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2024,rural,female,21,18-24,second,primary,self_employed,602.81,3,limited,1,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,male,22,18-24,second,none,unemployed,64.2,1,none,0,0,1,informal_lender,2274.45,none,consumption,1,2132.89,0.804,12,320.56,defaulted,not_applicable,moderate_burden
Uganda,2020,urban,female,53,45-54,highest,none,farmer,1343.73,7,none,0,435,1,sacco,5692.93,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2019,rural,female,67,55+,highest,primary,employed_formal,480.23,8,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,36,35-44,middle,primary,farmer,349.93,9,good,0,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,23,18-24,highest,none,farmer,414.96,6,good,0,827,1,informal_lender,3480.15,none,consumption,1,3405.85,0.815,12,515.05,current,not_applicable,moderate_burden
South Africa,2020,rural,female,48,45-54,second,primary,self_employed,392.03,10,none,0,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,male,23,18-24,second,primary,self_employed,271.25,6,none,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,28,25-34,fourth,secondary,self_employed,339.27,3,none,0,0,1,family_friends,7636.43,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2018,urban,female,24,18-24,fourth,secondary,farmer,178.24,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,female,65,55+,middle,secondary,unemployed,297.9,1,none,0,326,1,microfinance,1340.63,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2023,urban,male,55,45-54,fourth,tertiary,self_employed,624.04,6,none,0,82,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,53,45-54,lowest,primary,employed_formal,262.03,5,none,0,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,23,18-24,lowest,tertiary,farmer,36.77,6,limited,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,36,35-44,fourth,primary,farmer,127.72,5,limited,1,771,1,microfinance,4185.64,none,housing,1,3564.42,0.32,48,98.02,defaulted,not_applicable,moderate_burden
Nigeria,2024,rural,female,45,35-44,lowest,secondary,self_employed,37.18,7,none,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,58,55+,fourth,primary,employed_formal,133.36,6,limited,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,43,35-44,fourth,primary,employed_informal,208.73,8,limited,1,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,19,18-24,second,secondary,self_employed,405.87,9,good,0,533,1,digital_lender,3750.19,property,emergency,1,3106.69,0.472,12,381.14,current,not_applicable,moderate_burden
Ethiopia,2019,urban,female,25,18-24,middle,none,employed_formal,954.5,10,good,0,314,1,employer,9152.04,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2019,rural,male,46,45-54,fourth,tertiary,employed_informal,769.95,1,none,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,44,35-44,middle,primary,self_employed,454.31,1,none,1,588,1,commercial_bank,8842.52,property,housing,1,8742.73,0.217,18,590.87,current,not_applicable,moderate_burden
Uganda,2024,urban,male,45,35-44,lowest,primary,unemployed,30.95,2,limited,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,female,52,45-54,second,primary,unemployed,255.26,1,none,0,461,1,family_friends,3934.35,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2023,rural,female,33,25-34,middle,secondary,employed_informal,380.18,6,none,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,male,21,18-24,middle,tertiary,self_employed,781.69,7,limited,0,219,1,informal_lender,5982.82,property,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2022,rural,female,66,55+,middle,primary,farmer,290.04,8,limited,1,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,female,22,18-24,lowest,secondary,employed_informal,140.3,2,none,0,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,62,55+,lowest,none,employed_informal,28.01,2,none,0,572,1,family_friends,2080.13,none,agriculture,1,1771.68,0.084,36,53.35,current,not_applicable,moderate_burden
DRC,2024,urban,female,29,25-34,highest,primary,unemployed,1724.16,1,limited,0,376,1,family_friends,6557.26,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2020,urban,female,29,25-34,lowest,secondary,farmer,215.68,5,good,1,548,1,sacco,2470.27,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2021,urban,female,22,18-24,lowest,primary,self_employed,24.66,4,limited,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,64,55+,fourth,primary,farmer,531.16,2,limited,1,729,1,commercial_bank,17155.54,guarantor,agriculture,1,15534.46,0.22,12,1579.46,paid_off,not_applicable,moderate_burden
Senegal,2020,urban,male,27,25-34,fourth,primary,employed_formal,408.36,5,good,1,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,32,25-34,middle,none,employed_informal,128.3,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,48,45-54,highest,primary,self_employed,483.37,5,none,1,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,female,34,25-34,fourth,secondary,farmer,528.75,9,limited,1,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,41,35-44,second,primary,employed_informal,308.71,8,limited,1,731,1,informal_lender,2681.4,none,business,1,2323.18,0.82,12,352.32,defaulted,not_applicable,moderate_burden
Niger,2018,rural,male,51,45-54,second,none,unemployed,93.37,1,none,0,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,65,55+,lowest,primary,employed_informal,37.13,8,good,0,296,1,informal_lender,1084.15,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2020,rural,female,27,25-34,lowest,secondary,employed_informal,106.76,5,none,0,30,1,microfinance,2787.17,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mozambique,2025,rural,male,55,45-54,middle,primary,employed_informal,229.66,3,good,1,152,1,digital_lender,13970.03,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2021,rural,female,66,55+,lowest,secondary,farmer,25.23,7,limited,0,39,1,informal_lender,4579.03,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2024,urban,female,18,18-24,second,none,farmer,210.28,7,none,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,urban,male,24,18-24,fourth,secondary,employed_informal,253.94,3,limited,1,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,52,45-54,fourth,tertiary,employed_informal,186.52,10,excellent,1,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,female,35,25-34,fourth,secondary,employed_formal,493.79,8,limited,1,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,43,35-44,second,primary,self_employed,73.77,1,none,0,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,female,49,45-54,second,primary,farmer,376.99,6,limited,1,826,1,microfinance,8067.41,none,business,1,7730.17,0.34,12,863.44,current,not_applicable,moderate_burden
Senegal,2020,urban,male,41,35-44,second,primary,employed_informal,294.16,4,good,0,850,1,microfinance,3667.1,none,business,1,3141.88,0.327,12,347.36,late_60_days,not_applicable,moderate_burden
Ghana,2024,rural,male,48,45-54,middle,primary,farmer,184.52,7,none,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,50,45-54,fourth,secondary,self_employed,411.25,1,limited,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,38,35-44,lowest,tertiary,employed_informal,281.8,9,good,0,385,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,52,45-54,second,primary,employed_formal,83.38,10,none,0,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,male,40,35-44,middle,secondary,farmer,159.31,9,limited,0,406,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,female,42,35-44,lowest,secondary,self_employed,47.19,1,limited,1,388,1,digital_lender,9838.43,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2018,urban,female,41,35-44,highest,primary,employed_informal,325.93,5,limited,1,425,1,digital_lender,13284.51,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2023,urban,male,19,18-24,lowest,secondary,self_employed,153.18,3,limited,0,217,1,microfinance,5053.02,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2025,urban,male,25,18-24,fourth,secondary,farmer,451.82,4,limited,0,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,urban,female,54,45-54,second,none,self_employed,555.46,5,limited,0,17,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,35,25-34,fourth,secondary,employed_informal,604.61,1,limited,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,52,45-54,highest,tertiary,employed_informal,1169.73,10,none,0,4,1,family_friends,4973.0,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2025,rural,male,49,45-54,second,secondary,employed_informal,221.72,4,none,0,136,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,38,35-44,middle,none,employed_formal,148.87,5,none,0,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,61,55+,middle,secondary,farmer,353.17,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,43,35-44,second,primary,farmer,112.38,5,limited,1,320,1,family_friends,2639.4,savings,consumption,1,2422.52,0.038,12,209.54,paid_off,not_applicable,moderate_burden
Mozambique,2023,urban,male,67,55+,highest,tertiary,employed_informal,726.25,7,none,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,42,35-44,lowest,tertiary,employed_informal,59.71,7,none,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,41,35-44,second,tertiary,self_employed,227.06,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,24,18-24,second,tertiary,farmer,195.66,1,limited,1,354,1,commercial_bank,7095.68,guarantor,education,1,5939.63,0.188,18,391.86,current,not_applicable,moderate_burden
South Africa,2022,rural,female,23,18-24,middle,tertiary,employed_informal,261.21,1,limited,1,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,male,53,45-54,second,tertiary,employed_informal,70.19,6,limited,1,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,male,53,45-54,highest,none,farmer,204.84,9,none,0,725,1,informal_lender,2799.98,guarantor,education,1,2634.47,0.782,6,782.39,paid_off,not_applicable,moderate_burden
Mali,2023,rural,female,21,18-24,second,secondary,employed_informal,374.72,5,none,1,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,female,53,45-54,second,secondary,employed_informal,109.77,3,none,0,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,26,25-34,middle,primary,employed_informal,373.17,9,good,1,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,35,25-34,second,secondary,farmer,286.78,10,none,1,241,1,commercial_bank,3287.82,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2020,rural,female,50,45-54,middle,secondary,employed_informal,39.1,2,excellent,0,849,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,23,18-24,highest,secondary,self_employed,883.85,9,none,1,448,1,microfinance,3693.93,none,business,1,3314.71,0.287,18,237.06,current,not_applicable,moderate_burden
Rwanda,2024,rural,male,37,35-44,highest,secondary,farmer,412.33,9,none,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,62,55+,lowest,none,employed_informal,87.92,4,limited,1,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,female,38,35-44,middle,tertiary,farmer,276.89,8,excellent,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,42,35-44,middle,primary,self_employed,361.79,7,none,0,412,1,informal_lender,7410.5,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2023,rural,male,62,55+,lowest,primary,self_employed,24.99,1,none,0,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,34,25-34,second,primary,employed_informal,83.76,5,none,1,606,1,sacco,643.08,equipment,consumption,1,534.75,0.289,12,57.45,current,not_applicable,moderate_burden
Niger,2021,urban,female,66,55+,fourth,secondary,employed_informal,515.15,6,none,0,271,1,digital_lender,13261.75,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2023,rural,male,28,25-34,lowest,primary,self_employed,118.49,1,none,0,206,1,commercial_bank,2253.16,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2025,rural,female,25,18-24,second,none,self_employed,237.99,8,limited,0,448,1,digital_lender,11381.47,guarantor,agriculture,1,10817.51,0.485,18,892.34,late_60_days,not_applicable,moderate_burden
Tanzania,2021,urban,male,50,45-54,fourth,secondary,self_employed,413.66,9,limited,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,41,35-44,fourth,primary,employed_informal,517.55,8,none,1,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,19,18-24,fourth,secondary,employed_formal,553.47,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,20,18-24,second,tertiary,unemployed,253.33,1,none,0,126,1,family_friends,8235.57,none,consumption,1,7476.39,0.063,6,1325.11,defaulted,not_applicable,moderate_burden
Niger,2023,rural,female,27,25-34,second,none,self_employed,60.69,6,excellent,0,594,1,commercial_bank,985.29,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2024,rural,female,23,18-24,second,secondary,employed_informal,121.98,9,excellent,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,52,45-54,second,secondary,self_employed,402.15,10,none,1,426,1,microfinance,26080.44,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,rural,female,23,18-24,second,tertiary,farmer,64.26,4,limited,0,625,1,family_friends,3148.53,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2018,rural,female,53,45-54,highest,primary,self_employed,324.96,7,limited,0,812,1,family_friends,7426.51,savings,housing,1,6058.67,0.031,12,520.59,current,not_applicable,moderate_burden
South Africa,2020,urban,male,63,55+,highest,primary,farmer,2059.53,7,none,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,30,25-34,highest,tertiary,farmer,1059.12,9,good,0,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,female,38,35-44,middle,primary,unemployed,228.01,5,none,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,41,35-44,lowest,primary,employed_informal,35.23,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,female,34,25-34,second,tertiary,farmer,149.71,4,limited,0,325,1,family_friends,2052.77,guarantor,consumption,1,2014.57,0.01,12,169.48,current,not_applicable,moderate_burden
Mali,2024,rural,female,31,25-34,second,secondary,employed_informal,255.69,3,limited,1,328,1,employer,7259.55,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2022,urban,female,31,25-34,lowest,tertiary,employed_formal,26.92,10,none,1,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,female,39,35-44,middle,primary,self_employed,247.26,7,limited,1,526,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,42,35-44,highest,primary,unemployed,2046.06,1,good,0,276,1,family_friends,5043.48,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2019,urban,male,37,35-44,lowest,none,farmer,58.62,4,good,0,224,1,informal_lender,3215.62,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2020,rural,male,56,55+,second,primary,farmer,87.91,5,none,0,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,46,45-54,lowest,primary,employed_informal,62.2,10,none,0,542,1,family_friends,3379.29,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2021,rural,female,48,45-54,highest,secondary,self_employed,2198.84,4,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,50,45-54,middle,tertiary,employed_informal,103.73,4,none,1,486,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,29,25-34,highest,none,farmer,631.43,9,excellent,1,850,1,digital_lender,4382.14,none,asset_purchase,1,3953.84,0.49,18,327.21,late_30_days,not_applicable,moderate_burden
Tanzania,2021,urban,male,23,18-24,fourth,tertiary,unemployed,282.72,1,limited,1,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,65,55+,highest,none,self_employed,155.89,9,limited,0,850,1,informal_lender,3208.32,none,housing,1,3023.02,0.824,24,229.75,current,not_applicable,moderate_burden
Tanzania,2021,rural,female,21,18-24,middle,none,farmer,235.18,8,none,0,387,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,33,25-34,highest,primary,farmer,1102.99,2,none,0,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,42,35-44,second,tertiary,farmer,131.48,8,none,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,female,51,45-54,fourth,primary,unemployed,395.26,1,limited,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,male,53,45-54,lowest,none,employed_informal,65.23,8,excellent,0,554,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,39,35-44,middle,secondary,self_employed,396.08,3,good,1,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,male,34,25-34,lowest,tertiary,employed_informal,100.98,3,none,1,715,1,commercial_bank,3059.86,guarantor,agriculture,1,2839.04,0.196,24,141.51,late_30_days,not_applicable,moderate_burden
Malawi,2020,urban,male,32,25-34,highest,secondary,self_employed,1507.72,9,none,0,94,1,family_friends,5115.0,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2018,rural,male,54,45-54,second,none,farmer,79.16,7,none,1,550,1,commercial_bank,2060.16,none,emergency,1,1843.3,0.158,6,355.73,current,not_applicable,moderate_burden
Tanzania,2020,rural,female,21,18-24,second,primary,unemployed,175.01,1,good,1,147,1,commercial_bank,2536.25,property,agriculture,1,2175.6,0.194,18,144.37,current,not_applicable,moderate_burden
Malawi,2021,urban,male,61,55+,lowest,none,employed_formal,60.51,4,none,0,0,1,microfinance,1787.33,property,emergency,1,1513.27,0.362,24,85.87,current,not_applicable,moderate_burden
Niger,2024,rural,male,41,35-44,fourth,none,farmer,437.14,5,none,0,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,male,43,35-44,highest,secondary,farmer,523.21,6,limited,0,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,27,25-34,highest,tertiary,employed_informal,355.41,4,none,1,825,1,sacco,2410.93,none,agriculture,1,1951.98,0.304,12,212.1,current,not_applicable,moderate_burden
Mali,2018,rural,male,25,18-24,middle,none,farmer,243.71,10,limited,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,35,25-34,fourth,primary,self_employed,507.93,9,good,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,female,37,35-44,second,none,unemployed,215.53,5,limited,0,0,1,family_friends,7513.29,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2022,rural,male,59,55+,fourth,primary,employed_formal,122.44,4,good,1,233,1,sacco,4676.92,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2023,rural,female,48,45-54,highest,primary,self_employed,538.36,5,none,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,26,25-34,middle,secondary,self_employed,105.35,10,none,1,0,1,microfinance,3473.18,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2023,rural,female,68,55+,lowest,secondary,employed_informal,52.66,3,none,0,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,22,18-24,fourth,secondary,employed_informal,893.89,5,good,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,female,46,45-54,lowest,none,employed_informal,73.36,7,none,0,402,1,informal_lender,3992.31,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2022,rural,male,56,55+,middle,none,employed_formal,250.23,9,good,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,male,59,55+,fourth,secondary,employed_informal,152.0,4,limited,0,501,1,employer,4831.79,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2025,rural,female,43,35-44,second,secondary,employed_informal,38.69,10,excellent,1,758,1,sacco,868.44,none,consumption,1,827.74,0.284,18,59.04,current,not_applicable,moderate_burden
Senegal,2024,rural,male,54,45-54,middle,secondary,unemployed,202.86,1,none,1,8,1,informal_lender,4314.58,none,asset_purchase,1,3820.76,0.839,24,292.76,paid_off,not_applicable,moderate_burden
Rwanda,2024,rural,male,43,35-44,second,none,self_employed,219.83,6,good,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,30,25-34,second,secondary,farmer,102.68,10,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,38,35-44,lowest,tertiary,farmer,60.79,8,limited,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,60,55+,lowest,primary,self_employed,113.42,10,none,0,747,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,65,55+,fourth,secondary,self_employed,234.92,1,none,1,192,1,family_friends,10794.87,guarantor,consumption,1,10720.4,0.08,36,321.74,late_30_days,not_applicable,moderate_burden
Ghana,2019,rural,female,52,45-54,lowest,secondary,self_employed,139.29,1,limited,0,497,1,informal_lender,6757.21,none,business,1,6092.72,0.765,12,895.95,current,not_applicable,moderate_burden
Malawi,2024,urban,male,41,35-44,second,secondary,employed_formal,179.2,9,good,0,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,29,25-34,lowest,primary,employed_formal,93.34,4,limited,1,385,1,microfinance,2726.26,none,education,1,2183.74,0.294,24,117.72,current,not_applicable,moderate_burden
Mali,2023,urban,male,36,35-44,highest,primary,farmer,1810.92,1,none,0,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,63,55+,highest,primary,employed_informal,3219.74,9,none,1,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,male,31,25-34,second,primary,employed_informal,38.68,5,none,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,male,54,45-54,fourth,secondary,employed_informal,508.06,7,none,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,male,23,18-24,second,secondary,employed_formal,34.87,10,excellent,1,723,1,microfinance,819.26,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2025,urban,female,69,55+,middle,secondary,unemployed,289.82,1,limited,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,66,55+,middle,none,self_employed,108.41,5,none,1,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,56,55+,lowest,tertiary,employed_informal,65.43,6,none,0,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,18,18-24,second,primary,self_employed,306.02,5,limited,1,585,1,informal_lender,6044.42,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2025,urban,male,37,35-44,second,secondary,unemployed,180.81,1,limited,1,643,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,18,18-24,middle,primary,unemployed,132.13,1,limited,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,25,18-24,second,primary,employed_formal,195.76,10,limited,0,541,1,informal_lender,6076.58,savings,consumption,1,5579.91,0.805,6,1678.87,paid_off,not_applicable,moderate_burden
South Africa,2020,rural,male,23,18-24,second,secondary,unemployed,44.15,4,none,1,240,1,microfinance,4123.72,guarantor,business,1,4082.98,0.319,6,897.25,current,not_applicable,moderate_burden
Uganda,2019,rural,female,51,45-54,second,none,employed_informal,105.17,5,excellent,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,31,25-34,second,secondary,employed_formal,216.79,4,limited,1,305,1,informal_lender,2331.91,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2022,urban,male,28,25-34,middle,none,employed_informal,2330.61,1,limited,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,56,55+,lowest,tertiary,employed_informal,68.46,7,none,1,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,female,26,25-34,middle,secondary,self_employed,418.86,6,none,0,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,female,30,25-34,highest,primary,farmer,2763.3,4,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,male,24,18-24,highest,none,self_employed,1614.4,8,none,0,111,1,family_friends,10774.77,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2019,rural,female,30,25-34,middle,none,self_employed,213.81,9,limited,0,173,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,58,55+,fourth,secondary,employed_informal,174.9,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,female,44,35-44,middle,secondary,self_employed,324.22,9,none,1,505,1,sacco,14028.99,none,education,1,11676.53,0.273,6,2478.08,current,not_applicable,moderate_burden
Zambia,2025,rural,male,29,25-34,second,secondary,farmer,98.88,10,good,0,217,1,sacco,2479.07,property,education,1,2361.07,0.323,24,130.12,current,not_applicable,moderate_burden
DRC,2022,urban,female,45,35-44,second,secondary,self_employed,116.08,2,none,0,265,1,family_friends,2249.56,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2021,urban,female,48,45-54,middle,tertiary,unemployed,235.73,1,none,1,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,male,35,25-34,lowest,tertiary,employed_informal,122.26,2,limited,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,39,35-44,highest,none,self_employed,545.74,3,good,1,533,1,microfinance,11133.41,guarantor,business,1,10672.8,0.31,18,776.72,defaulted,not_applicable,moderate_burden
Tanzania,2019,rural,male,59,55+,middle,secondary,employed_formal,456.62,10,limited,1,784,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,69,55+,lowest,tertiary,employed_informal,44.3,2,excellent,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,25,18-24,highest,primary,employed_formal,632.28,10,good,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,female,44,35-44,fourth,secondary,self_employed,1774.81,5,none,1,6,1,family_friends,4720.24,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2022,rural,female,34,25-34,second,none,self_employed,549.97,4,good,0,315,1,informal_lender,6373.33,savings,agriculture,1,5245.53,0.806,6,1578.47,current,not_applicable,moderate_burden
Ethiopia,2024,urban,female,32,25-34,second,primary,employed_informal,207.11,8,limited,0,823,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,60,55+,middle,secondary,unemployed,94.87,5,good,1,676,1,commercial_bank,4589.82,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2023,rural,male,57,55+,second,secondary,employed_informal,23.78,9,none,0,0,1,microfinance,2420.33,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2019,rural,male,44,35-44,second,primary,employed_informal,115.22,5,none,0,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,male,18,18-24,lowest,primary,employed_informal,20.8,3,limited,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,27,25-34,middle,none,employed_formal,372.61,10,none,0,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,male,32,25-34,middle,primary,farmer,133.55,2,excellent,1,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,63,55+,highest,secondary,self_employed,361.96,1,good,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,female,42,35-44,lowest,secondary,unemployed,50.8,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,49,45-54,lowest,none,unemployed,30.41,1,excellent,1,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,34,25-34,lowest,secondary,farmer,72.16,6,none,1,517,1,sacco,1234.11,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2024,urban,female,25,18-24,middle,secondary,employed_formal,461.8,10,none,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,51,45-54,middle,secondary,unemployed,140.45,4,limited,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,male,28,25-34,lowest,none,self_employed,358.99,8,limited,0,846,1,family_friends,8986.41,savings,emergency,1,8434.78,0.082,12,760.63,late_30_days,not_applicable,moderate_burden
Ethiopia,2019,rural,male,36,35-44,middle,primary,employed_informal,171.9,9,limited,0,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,50,45-54,lowest,primary,farmer,68.4,9,limited,1,591,1,digital_lender,2718.81,none,business,1,2215.21,0.489,6,549.57,late_30_days,not_applicable,moderate_burden
Nigeria,2022,rural,female,26,25-34,second,tertiary,employed_informal,96.49,8,limited,0,70,1,microfinance,4909.77,savings,business,1,4529.62,0.308,12,493.91,current,not_applicable,moderate_burden
Tanzania,2019,rural,female,56,55+,fourth,tertiary,self_employed,286.85,4,none,0,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,66,55+,fourth,none,farmer,1139.65,9,limited,0,203,1,informal_lender,10059.95,none,asset_purchase,1,9082.32,0.764,12,1334.98,paid_off,not_applicable,moderate_burden
Tanzania,2024,rural,female,18,18-24,fourth,none,farmer,451.31,1,limited,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,41,35-44,lowest,secondary,employed_informal,31.04,7,good,1,841,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,30,25-34,lowest,none,self_employed,264.96,6,good,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,29,25-34,highest,primary,farmer,1164.32,10,none,1,684,1,commercial_bank,8442.83,equipment,consumption,1,6918.29,0.131,12,651.9,current,not_applicable,moderate_burden
Uganda,2021,rural,female,64,55+,lowest,secondary,self_employed,40.96,4,none,1,544,1,microfinance,3353.87,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2021,urban,female,56,55+,lowest,secondary,unemployed,25.09,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,55,45-54,second,primary,farmer,137.98,3,none,0,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,62,55+,second,primary,farmer,78.35,4,none,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,30,25-34,lowest,none,self_employed,35.77,3,none,1,696,1,family_friends,9875.65,none,emergency,1,8765.05,0.036,18,504.38,current,not_applicable,moderate_burden
Malawi,2023,urban,male,21,18-24,highest,secondary,self_employed,1154.39,9,good,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,46,45-54,second,none,farmer,92.46,3,good,1,728,1,microfinance,2710.28,none,business,1,2562.52,0.357,12,289.76,paid_off,not_applicable,moderate_burden
Niger,2022,rural,male,36,35-44,second,primary,employed_formal,120.27,10,none,0,174,1,employer,6688.83,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2021,urban,female,22,18-24,second,tertiary,self_employed,279.34,8,limited,1,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,31,25-34,second,primary,employed_informal,121.44,9,excellent,1,676,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,28,25-34,second,none,employed_formal,681.5,5,none,1,739,1,digital_lender,8556.25,none,business,1,8495.24,0.47,24,520.49,current,not_applicable,moderate_burden
Mali,2020,urban,male,62,55+,second,none,farmer,266.35,1,none,0,722,1,commercial_bank,4176.85,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2023,urban,male,69,55+,lowest,tertiary,employed_informal,97.77,4,good,0,641,1,sacco,2136.04,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2020,rural,female,29,25-34,middle,none,self_employed,555.04,9,good,1,753,1,commercial_bank,3779.15,savings,agriculture,1,3315.81,0.167,24,161.2,current,not_applicable,moderate_burden
Kenya,2025,rural,female,26,25-34,lowest,none,self_employed,26.21,4,limited,0,808,1,informal_lender,2428.44,none,debt_consolidation,1,2377.98,0.761,18,232.58,current,not_applicable,moderate_burden
DRC,2021,rural,male,46,45-54,lowest,secondary,self_employed,148.62,1,none,1,498,1,digital_lender,1849.65,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2024,rural,female,41,35-44,middle,tertiary,farmer,136.37,2,good,0,652,1,informal_lender,3997.95,none,consumption,1,3266.81,0.807,6,984.0,current,not_applicable,moderate_burden
Kenya,2021,urban,male,59,55+,middle,primary,farmer,241.29,2,limited,0,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,27,25-34,lowest,secondary,employed_informal,188.98,6,limited,0,637,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,23,18-24,highest,none,employed_informal,718.75,7,good,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,64,55+,fourth,secondary,self_employed,553.3,10,limited,1,515,1,sacco,3378.69,guarantor,business,1,3089.63,0.316,36,112.99,current,not_applicable,moderate_burden
Zambia,2022,rural,male,19,18-24,fourth,none,farmer,427.79,5,good,1,335,1,commercial_bank,5981.57,none,housing,1,4952.33,0.133,6,935.1,paid_off,not_applicable,moderate_burden
Niger,2025,rural,male,63,55+,middle,none,self_employed,165.2,3,none,1,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,26,25-34,highest,tertiary,employed_informal,201.13,2,good,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,62,55+,second,primary,employed_formal,297.35,5,good,1,198,1,sacco,944.41,savings,education,1,830.56,0.339,48,23.17,defaulted,not_applicable,moderate_burden
Mozambique,2023,rural,female,52,45-54,lowest,secondary,farmer,57.18,1,none,1,714,1,commercial_bank,5904.54,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2023,rural,male,29,25-34,second,secondary,self_employed,83.77,1,none,1,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,female,41,35-44,fourth,primary,unemployed,783.4,2,none,0,66,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,42,35-44,highest,secondary,employed_informal,2168.63,3,limited,0,840,1,digital_lender,10606.14,savings,emergency,1,9720.57,0.411,12,1143.3,late_30_days,not_applicable,moderate_burden
Kenya,2018,rural,male,43,35-44,fourth,secondary,unemployed,176.28,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,male,55,45-54,middle,primary,employed_informal,335.47,3,excellent,1,683,1,commercial_bank,1485.97,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2022,rural,male,55,45-54,second,none,farmer,214.85,3,limited,0,27,1,informal_lender,3727.13,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2022,rural,male,69,55+,highest,secondary,employed_informal,1887.61,5,excellent,1,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,female,28,25-34,lowest,secondary,employed_informal,39.29,2,limited,1,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,48,45-54,second,secondary,farmer,82.97,5,good,0,250,1,family_friends,3964.72,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2022,rural,male,67,55+,middle,tertiary,unemployed,300.26,4,limited,0,224,1,informal_lender,4750.56,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2018,urban,male,51,45-54,lowest,none,unemployed,84.95,6,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,male,31,25-34,fourth,secondary,unemployed,2100.25,3,limited,0,740,1,commercial_bank,7489.45,savings,business,1,7273.83,0.138,12,689.52,current,not_applicable,moderate_burden
Zambia,2025,rural,female,68,55+,middle,tertiary,farmer,413.86,9,limited,1,127,1,microfinance,8021.48,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2018,rural,female,63,55+,second,secondary,employed_informal,88.32,7,good,0,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,33,25-34,highest,secondary,self_employed,440.94,5,none,1,628,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,male,41,35-44,fourth,secondary,employed_formal,652.98,10,none,0,25,1,informal_lender,10110.61,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2019,urban,female,36,35-44,second,secondary,unemployed,135.59,1,none,1,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,69,55+,second,secondary,self_employed,185.53,7,excellent,0,199,1,family_friends,6560.07,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2019,urban,female,37,35-44,highest,primary,self_employed,2251.1,9,none,0,258,1,commercial_bank,21752.2,property,consumption,1,19993.14,0.202,24,1001.49,current,not_applicable,moderate_burden
Kenya,2025,rural,male,24,18-24,middle,none,employed_informal,120.22,5,none,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,19,18-24,highest,secondary,employed_formal,272.39,8,none,0,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,33,25-34,fourth,secondary,self_employed,345.92,10,none,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,60,55+,second,secondary,employed_formal,286.94,9,excellent,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,63,55+,lowest,primary,employed_informal,94.57,4,excellent,0,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,47,45-54,lowest,secondary,farmer,109.93,5,excellent,1,433,1,commercial_bank,4722.9,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2024,rural,female,57,55+,lowest,primary,farmer,50.54,3,good,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,male,69,55+,second,primary,self_employed,227.99,8,limited,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,27,25-34,highest,secondary,unemployed,1022.74,4,none,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,34,25-34,fourth,secondary,farmer,219.68,5,none,1,726,1,digital_lender,3359.9,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2019,rural,male,58,55+,fourth,primary,self_employed,568.21,1,good,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,39,35-44,fourth,primary,employed_informal,470.86,6,good,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,26,25-34,lowest,secondary,self_employed,204.33,7,none,1,549,1,informal_lender,19814.43,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2020,urban,male,28,25-34,lowest,none,farmer,269.39,5,good,1,816,1,sacco,16261.64,guarantor,agriculture,1,13862.65,0.362,6,3147.3,late_30_days,not_applicable,moderate_burden
DRC,2021,urban,male,54,45-54,second,secondary,employed_formal,100.21,4,none,0,555,1,microfinance,4525.16,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2024,rural,female,51,45-54,middle,none,self_employed,253.95,3,none,0,726,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,male,66,55+,highest,primary,unemployed,1048.39,6,good,0,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,55,45-54,fourth,primary,employed_informal,954.94,7,good,1,390,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,55,45-54,middle,secondary,farmer,69.11,1,limited,1,635,1,microfinance,7201.6,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2020,rural,female,23,18-24,middle,primary,employed_informal,73.92,10,limited,0,184,1,informal_lender,2341.22,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2023,urban,female,62,55+,second,primary,employed_informal,1166.17,4,none,0,315,1,sacco,18367.05,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2020,rural,male,54,45-54,lowest,primary,farmer,13.87,3,good,0,850,1,family_friends,1562.43,none,business,1,1490.96,0.068,12,132.72,current,not_applicable,moderate_burden
Mali,2019,urban,male,60,55+,fourth,primary,self_employed,144.34,9,limited,1,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,female,59,55+,middle,secondary,self_employed,975.94,4,none,1,658,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,55,45-54,lowest,primary,employed_formal,177.03,5,limited,0,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,66,55+,second,secondary,farmer,38.92,1,excellent,0,712,1,family_friends,2270.08,guarantor,asset_purchase,1,1875.01,0.011,6,315.9,current,not_applicable,moderate_burden
Rwanda,2020,rural,female,57,55+,second,tertiary,unemployed,421.88,6,limited,0,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,female,36,35-44,highest,secondary,unemployed,418.64,1,limited,1,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,48,45-54,highest,none,self_employed,204.53,8,limited,1,275,1,informal_lender,4351.06,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2025,rural,female,46,45-54,lowest,secondary,self_employed,62.92,2,none,1,416,1,microfinance,2653.58,none,education,1,2260.59,0.322,24,124.56,current,not_applicable,moderate_burden
Ghana,2025,rural,female,34,25-34,second,secondary,unemployed,115.3,6,none,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,19,18-24,fourth,secondary,self_employed,639.85,9,limited,1,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,55,45-54,fourth,none,self_employed,1032.42,7,good,0,105,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,69,55+,highest,none,self_employed,4908.96,10,none,1,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,36,35-44,fourth,primary,employed_formal,570.13,4,none,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,male,24,18-24,fourth,primary,farmer,411.34,8,limited,1,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,female,26,25-34,lowest,secondary,employed_informal,131.96,5,good,1,843,1,digital_lender,1412.38,property,housing,1,1385.08,0.464,12,168.98,current,not_applicable,moderate_burden
Rwanda,2025,urban,male,50,45-54,lowest,primary,employed_formal,69.31,7,none,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,18,18-24,middle,primary,employed_informal,157.23,7,none,1,420,1,digital_lender,16376.18,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2019,rural,male,63,55+,highest,secondary,farmer,434.53,9,limited,0,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,male,23,18-24,lowest,secondary,employed_informal,167.51,9,excellent,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,65,55+,fourth,primary,farmer,139.94,6,none,0,0,1,family_friends,1401.63,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2023,rural,male,55,45-54,middle,secondary,employed_formal,298.27,10,good,0,547,1,commercial_bank,4588.6,guarantor,agriculture,1,3959.8,0.172,36,128.92,current,not_applicable,moderate_burden
Nigeria,2024,rural,male,59,55+,lowest,tertiary,self_employed,105.14,2,excellent,0,536,1,family_friends,2053.78,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2023,urban,male,27,25-34,middle,tertiary,employed_informal,270.24,6,limited,1,112,1,microfinance,7394.05,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2020,rural,male,37,35-44,highest,primary,unemployed,1467.01,2,excellent,1,641,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,22,18-24,lowest,primary,self_employed,23.71,7,none,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,41,35-44,fourth,primary,self_employed,303.68,6,good,0,344,1,family_friends,5580.1,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,urban,male,51,45-54,fourth,secondary,farmer,1013.66,8,none,1,28,1,digital_lender,6859.27,guarantor,consumption,1,5547.13,0.448,36,223.17,current,not_applicable,moderate_burden
DRC,2023,rural,male,20,18-24,middle,secondary,employed_informal,229.56,3,limited,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,48,45-54,highest,none,farmer,719.1,10,limited,0,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,59,55+,highest,primary,self_employed,2970.61,6,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,63,55+,middle,primary,farmer,65.38,8,limited,0,785,1,sacco,4446.28,equipment,housing,1,4336.48,0.277,24,230.69,late_60_days,not_applicable,moderate_burden
DRC,2023,rural,female,21,18-24,highest,tertiary,farmer,1095.26,6,none,0,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,male,41,35-44,fourth,secondary,employed_informal,328.55,2,limited,1,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,male,30,25-34,middle,tertiary,farmer,305.29,10,none,1,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,urban,male,34,25-34,fourth,secondary,farmer,208.0,3,none,0,341,1,informal_lender,2508.48,guarantor,education,1,2324.14,0.756,12,340.12,defaulted,not_applicable,moderate_burden
Ghana,2023,rural,female,30,25-34,highest,secondary,employed_informal,220.31,5,good,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,19,18-24,middle,tertiary,farmer,339.38,5,none,1,108,1,commercial_bank,1785.18,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2020,rural,male,63,55+,second,primary,farmer,104.62,2,excellent,0,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,68,55+,second,primary,farmer,176.25,6,limited,1,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,38,35-44,lowest,none,employed_informal,146.59,8,none,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,48,45-54,second,none,self_employed,267.57,1,none,1,460,1,sacco,3787.82,none,consumption,1,3631.27,0.293,12,391.35,current,not_applicable,moderate_burden
Mali,2018,urban,male,66,55+,highest,secondary,employed_informal,502.33,4,limited,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,32,25-34,lowest,secondary,employed_informal,41.69,5,limited,1,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,69,55+,lowest,primary,employed_informal,28.48,3,limited,0,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,27,25-34,second,primary,unemployed,69.44,1,good,0,109,1,digital_lender,1101.72,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2023,rural,male,45,35-44,highest,secondary,employed_informal,2366.73,10,limited,0,632,1,informal_lender,12577.88,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2019,rural,female,24,18-24,second,tertiary,self_employed,70.05,10,none,1,271,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,31,25-34,fourth,secondary,unemployed,174.06,4,excellent,0,850,1,family_friends,7129.61,vehicle,asset_purchase,1,5825.1,0.058,18,342.3,paid_off,not_applicable,moderate_burden
Mali,2022,rural,male,59,55+,second,none,employed_informal,70.31,10,limited,1,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,male,59,55+,highest,tertiary,employed_formal,1015.53,6,none,0,240,1,employer,9100.79,none,business,1,7649.08,0.027,6,1309.16,current,not_applicable,moderate_burden
Ghana,2019,rural,female,44,35-44,second,secondary,employed_formal,110.87,8,limited,0,210,1,digital_lender,3261.02,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2019,urban,female,35,25-34,lowest,secondary,farmer,92.65,9,limited,1,127,1,digital_lender,1876.31,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2024,rural,male,47,45-54,lowest,secondary,unemployed,213.89,1,limited,0,660,1,family_friends,2068.54,equipment,emergency,1,2015.88,0.016,36,56.87,current,not_applicable,moderate_burden
Nigeria,2020,rural,male,27,25-34,lowest,secondary,unemployed,235.19,1,none,1,33,1,commercial_bank,3823.72,none,asset_purchase,1,3329.1,0.217,12,337.74,paid_off,not_applicable,moderate_burden
Tanzania,2022,rural,male,22,18-24,fourth,secondary,employed_informal,194.87,2,none,0,488,1,microfinance,6840.81,none,emergency,1,5797.95,0.365,12,659.47,current,not_applicable,moderate_burden
Mali,2023,urban,male,56,55+,lowest,secondary,employed_informal,51.97,8,limited,0,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,41,35-44,fourth,secondary,farmer,306.3,4,none,1,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,45,35-44,second,secondary,farmer,139.01,2,limited,0,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,55,45-54,highest,none,employed_informal,555.29,3,limited,1,846,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,male,43,35-44,highest,tertiary,employed_informal,818.94,5,none,1,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,male,46,45-54,second,primary,self_employed,65.53,7,good,0,444,1,employer,5508.55,property,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Niger,2025,rural,female,67,55+,lowest,none,farmer,70.83,5,limited,1,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,47,45-54,lowest,primary,self_employed,112.46,2,none,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,female,48,45-54,lowest,secondary,employed_formal,44.62,4,limited,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,20,18-24,lowest,secondary,self_employed,64.39,10,limited,0,811,1,microfinance,2014.22,guarantor,business,1,1703.09,0.287,6,365.23,current,not_applicable,moderate_burden
Tanzania,2020,urban,male,23,18-24,highest,primary,farmer,1549.97,6,none,0,630,1,family_friends,17154.87,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2021,rural,female,46,45-54,second,none,self_employed,123.5,6,good,0,112,1,sacco,1116.9,guarantor,agriculture,1,904.21,0.342,12,101.15,current,not_applicable,moderate_burden
Niger,2021,urban,female,59,55+,second,secondary,farmer,31.5,6,none,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,male,25,18-24,middle,tertiary,self_employed,228.64,6,excellent,0,850,1,microfinance,1131.12,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2019,urban,female,69,55+,middle,primary,employed_informal,670.19,10,none,0,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,female,36,35-44,lowest,primary,self_employed,38.68,8,none,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,female,58,55+,lowest,primary,self_employed,18.94,7,good,0,688,1,family_friends,3962.44,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2018,rural,male,67,55+,highest,primary,employed_informal,1366.32,5,none,1,834,1,commercial_bank,5389.54,none,business,1,4831.94,0.154,36,154.95,current,not_applicable,moderate_burden
Rwanda,2024,rural,female,39,35-44,highest,secondary,unemployed,1952.68,2,none,1,208,1,commercial_bank,10695.42,savings,education,1,10025.14,0.206,6,2014.32,late_30_days,not_applicable,moderate_burden
DRC,2020,rural,male,59,55+,second,primary,unemployed,158.73,1,limited,1,192,1,commercial_bank,2340.03,none,business,1,2071.46,0.217,6,420.1,current,not_applicable,moderate_burden
Rwanda,2025,rural,female,55,45-54,fourth,none,farmer,252.56,10,none,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,30,25-34,highest,none,farmer,775.7,4,limited,0,850,1,commercial_bank,2848.47,none,business,1,2502.64,0.177,18,163.6,late_30_days,not_applicable,moderate_burden
Rwanda,2023,rural,male,27,25-34,lowest,tertiary,farmer,67.2,6,none,0,399,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,65,55+,fourth,secondary,employed_formal,113.98,8,limited,0,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,64,55+,lowest,tertiary,employed_informal,40.62,5,none,1,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,20,18-24,second,secondary,self_employed,301.58,7,limited,0,272,1,family_friends,5142.66,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2024,rural,female,21,18-24,fourth,none,self_employed,237.1,9,none,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,28,25-34,fourth,secondary,self_employed,350.26,1,none,0,226,1,family_friends,9770.66,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2022,rural,female,58,55+,fourth,secondary,employed_informal,215.84,8,none,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,67,55+,second,tertiary,self_employed,192.96,8,limited,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,48,45-54,second,primary,employed_informal,465.64,2,none,1,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,female,69,55+,lowest,secondary,unemployed,47.36,1,good,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,61,55+,lowest,secondary,employed_informal,111.56,8,excellent,0,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,56,55+,fourth,secondary,unemployed,512.43,2,none,0,142,1,digital_lender,4402.7,vehicle,business,1,3588.84,0.478,12,442.02,defaulted,not_applicable,moderate_burden
Ethiopia,2024,rural,female,46,45-54,middle,secondary,self_employed,126.84,1,limited,0,375,1,family_friends,3028.93,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2018,rural,male,28,25-34,highest,tertiary,farmer,665.78,4,limited,0,560,1,informal_lender,5039.45,none,emergency,1,4301.42,0.813,18,433.15,current,not_applicable,moderate_burden
Kenya,2022,rural,female,28,25-34,lowest,secondary,farmer,34.54,3,excellent,0,393,1,family_friends,703.34,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2025,urban,female,58,55+,second,none,self_employed,258.14,9,limited,0,20,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,male,59,55+,lowest,secondary,farmer,386.87,4,none,0,0,1,commercial_bank,4068.69,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2025,rural,male,65,55+,middle,primary,employed_formal,391.13,6,none,1,654,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,male,20,18-24,fourth,primary,farmer,388.92,7,excellent,1,318,1,microfinance,7835.47,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2018,rural,female,51,45-54,second,secondary,employed_formal,151.01,4,excellent,1,778,1,commercial_bank,11659.7,none,business,1,10162.02,0.187,12,1004.83,current,not_applicable,moderate_burden
Rwanda,2025,urban,male,53,45-54,fourth,secondary,employed_informal,2115.78,6,limited,0,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,male,42,35-44,middle,none,unemployed,191.0,1,limited,0,59,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,female,26,25-34,lowest,secondary,farmer,85.02,6,good,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,50,45-54,middle,primary,employed_formal,132.19,10,limited,1,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,58,55+,highest,primary,employed_formal,2803.18,6,none,1,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,male,38,35-44,fourth,secondary,unemployed,317.34,1,good,0,516,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,29,25-34,lowest,secondary,self_employed,29.85,8,limited,0,577,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,52,45-54,lowest,none,self_employed,113.1,8,limited,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,56,55+,middle,secondary,employed_informal,379.62,7,good,1,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,32,25-34,lowest,primary,employed_informal,80.11,4,none,0,0,1,family_friends,9788.64,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2020,rural,female,39,35-44,highest,primary,self_employed,1486.59,2,none,0,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,65,55+,middle,secondary,farmer,573.87,9,limited,0,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,36,35-44,highest,primary,employed_formal,346.66,5,none,0,10,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,54,45-54,lowest,none,farmer,51.95,8,none,1,113,1,informal_lender,1554.74,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2024,urban,female,29,25-34,lowest,secondary,self_employed,168.42,10,excellent,1,741,1,family_friends,2422.94,none,emergency,1,2264.73,0.049,36,65.99,paid_off,not_applicable,moderate_burden
Tanzania,2019,urban,male,25,18-24,middle,secondary,employed_informal,307.76,9,none,0,218,1,family_friends,4883.29,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,urban,female,23,18-24,fourth,primary,self_employed,242.72,3,good,1,850,1,commercial_bank,6484.3,none,debt_consolidation,1,6466.43,0.181,12,636.59,current,not_applicable,moderate_burden
Nigeria,2018,rural,male,26,25-34,middle,primary,farmer,554.96,7,limited,0,164,1,informal_lender,2474.32,savings,business,1,2446.92,0.775,18,241.28,current,not_applicable,moderate_burden
Niger,2018,rural,male,33,25-34,middle,tertiary,farmer,157.32,4,excellent,0,246,1,informal_lender,6347.41,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,rural,female,53,45-54,lowest,secondary,farmer,333.92,8,good,0,495,1,microfinance,16221.15,savings,business,1,15852.9,0.295,6,3422.41,paid_off,not_applicable,moderate_burden
Ethiopia,2022,urban,male,59,55+,lowest,none,self_employed,70.77,9,limited,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,39,35-44,lowest,none,unemployed,35.17,1,none,1,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,62,55+,lowest,secondary,employed_informal,160.26,1,excellent,0,533,1,microfinance,1739.38,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2021,urban,female,34,25-34,highest,primary,employed_informal,752.73,8,good,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,female,47,45-54,lowest,primary,self_employed,37.76,5,none,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,62,55+,middle,secondary,farmer,257.21,9,limited,1,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,62,55+,middle,none,self_employed,82.33,4,excellent,0,850,1,informal_lender,3874.53,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2025,urban,male,39,35-44,highest,primary,employed_formal,776.51,6,none,1,457,1,microfinance,6456.38,savings,business,1,5330.51,0.313,12,583.09,paid_off,not_applicable,moderate_burden
Tanzania,2018,urban,male,56,55+,lowest,primary,self_employed,180.06,2,excellent,0,691,1,informal_lender,3240.64,guarantor,business,1,3203.92,0.758,6,938.54,current,not_applicable,moderate_burden
Zambia,2023,rural,male,30,25-34,middle,secondary,employed_informal,290.35,7,none,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,19,18-24,highest,secondary,employed_formal,750.71,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,55,45-54,second,secondary,employed_formal,209.84,10,limited,1,329,1,commercial_bank,3558.58,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2025,rural,female,54,45-54,second,secondary,employed_informal,148.43,1,none,1,304,1,informal_lender,13258.2,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2022,urban,female,65,55+,highest,primary,farmer,719.0,10,good,1,493,1,commercial_bank,6746.31,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2021,rural,female,55,45-54,fourth,primary,farmer,416.95,8,none,0,434,1,family_friends,4858.28,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2021,rural,male,33,25-34,middle,secondary,employed_formal,338.11,5,good,1,850,1,commercial_bank,18576.48,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Nigeria,2022,rural,male,27,25-34,fourth,secondary,self_employed,213.77,2,none,1,643,1,digital_lender,18521.04,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2018,rural,female,47,45-54,middle,secondary,self_employed,90.79,7,limited,1,4,1,family_friends,1728.9,savings,business,1,1477.06,0.064,24,65.48,current,not_applicable,moderate_burden
Niger,2022,rural,male,39,35-44,middle,secondary,farmer,115.6,5,none,0,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,56,55+,lowest,primary,self_employed,94.5,2,limited,1,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,male,49,45-54,second,primary,employed_formal,375.78,7,limited,1,664,1,microfinance,7056.61,none,asset_purchase,1,5872.96,0.345,12,658.33,late_30_days,not_applicable,moderate_burden
Malawi,2023,rural,female,56,55+,second,secondary,employed_informal,52.17,7,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,46,45-54,highest,none,unemployed,857.78,6,good,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,47,45-54,highest,secondary,self_employed,980.59,1,limited,0,120,1,family_friends,10131.42,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2022,urban,female,69,55+,second,primary,self_employed,201.92,4,limited,1,368,1,microfinance,2648.19,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2019,urban,female,35,25-34,second,primary,self_employed,237.29,2,none,1,170,1,informal_lender,9039.62,vehicle,agriculture,1,8481.7,0.785,12,1261.35,current,not_applicable,moderate_burden
Rwanda,2020,urban,female,26,25-34,fourth,none,employed_formal,321.99,4,limited,0,27,1,informal_lender,8814.47,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2022,urban,female,36,35-44,fourth,tertiary,farmer,514.88,8,good,0,757,1,informal_lender,15574.18,savings,consumption,1,14003.34,0.843,18,1433.81,paid_off,not_applicable,moderate_burden
South Africa,2023,rural,female,58,55+,second,secondary,employed_informal,27.09,7,limited,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,28,25-34,second,primary,farmer,61.97,2,excellent,0,247,1,microfinance,2242.96,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2022,urban,male,26,25-34,middle,tertiary,self_employed,337.31,2,limited,1,75,1,microfinance,5368.82,guarantor,emergency,1,4522.11,0.351,6,1018.03,current,not_applicable,moderate_burden
South Africa,2025,urban,female,55,45-54,highest,primary,employed_formal,975.91,4,none,1,61,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,44,35-44,lowest,none,self_employed,105.47,8,good,1,592,1,commercial_bank,5169.54,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2018,urban,male,39,35-44,second,primary,self_employed,226.94,9,limited,0,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,female,57,55+,highest,none,farmer,854.37,4,good,1,277,1,family_friends,4743.27,savings,asset_purchase,1,4523.98,0.065,24,200.71,current,not_applicable,moderate_burden
Rwanda,2025,rural,female,50,45-54,second,primary,unemployed,67.51,1,limited,0,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,female,19,18-24,middle,none,self_employed,133.76,10,limited,0,70,1,family_friends,2039.19,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2025,rural,female,30,25-34,second,secondary,farmer,80.35,5,none,0,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,50,45-54,second,none,farmer,164.27,6,good,1,529,1,commercial_bank,2516.06,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2024,rural,male,56,55+,second,secondary,farmer,318.8,1,none,0,520,1,family_friends,3638.13,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2024,rural,female,27,25-34,second,none,farmer,222.23,1,limited,1,758,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,50,45-54,second,tertiary,employed_formal,277.7,7,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,55,45-54,fourth,secondary,unemployed,1380.94,1,none,0,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,male,31,25-34,fourth,secondary,unemployed,367.17,2,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,27,25-34,second,none,farmer,55.74,2,good,0,669,1,sacco,661.45,equipment,education,1,574.94,0.348,18,43.04,late_30_days,not_applicable,moderate_burden
Malawi,2021,rural,female,34,25-34,highest,secondary,self_employed,2999.36,7,none,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,48,45-54,lowest,primary,farmer,39.92,2,none,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,female,60,55+,fourth,primary,self_employed,297.88,9,none,1,40,1,informal_lender,2638.63,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2018,rural,male,49,45-54,highest,secondary,self_employed,597.17,3,none,0,580,1,employer,7753.66,none,business,1,7646.7,0.096,12,698.56,late_30_days,not_applicable,moderate_burden
Tanzania,2019,urban,male,23,18-24,fourth,none,self_employed,371.9,8,limited,1,229,1,commercial_bank,4486.83,guarantor,consumption,1,4135.01,0.207,18,277.23,late_60_days,not_applicable,moderate_burden
Nigeria,2018,rural,male,59,55+,second,secondary,employed_informal,175.18,10,good,1,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,female,47,45-54,highest,primary,employed_informal,820.68,9,good,0,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,37,35-44,lowest,primary,employed_informal,51.02,8,none,1,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,52,45-54,middle,tertiary,farmer,456.61,7,limited,1,97,1,commercial_bank,6810.86,savings,business,1,6440.62,0.137,12,610.25,defaulted,not_applicable,moderate_burden
Niger,2018,rural,male,54,45-54,second,none,self_employed,52.82,6,none,0,529,1,digital_lender,1343.92,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mozambique,2023,rural,female,57,55+,fourth,primary,employed_informal,243.8,9,none,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,31,25-34,fourth,primary,employed_informal,285.11,2,limited,0,301,1,family_friends,5470.67,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2024,rural,male,61,55+,middle,none,farmer,353.65,1,limited,1,603,1,informal_lender,8048.57,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2018,urban,female,46,45-54,second,primary,self_employed,219.22,6,limited,1,823,1,family_friends,1770.55,property,business,1,1682.29,0.062,12,148.88,current,not_applicable,moderate_burden
South Africa,2024,urban,female,65,55+,highest,primary,farmer,839.28,3,none,0,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,23,18-24,second,secondary,employed_informal,183.77,4,limited,1,818,1,commercial_bank,9183.61,savings,business,1,8079.37,0.146,6,1543.05,current,not_applicable,moderate_burden
Rwanda,2024,urban,male,42,35-44,fourth,none,employed_formal,1278.83,9,none,0,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,female,33,25-34,lowest,secondary,farmer,58.1,8,none,0,707,1,informal_lender,3417.48,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2019,rural,male,35,25-34,second,secondary,employed_formal,93.58,10,good,0,841,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,53,45-54,second,secondary,unemployed,495.19,1,good,1,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,55,45-54,lowest,primary,farmer,119.85,6,none,0,179,1,family_friends,6716.8,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2022,rural,male,25,18-24,middle,primary,unemployed,273.9,2,none,1,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,female,40,35-44,lowest,secondary,employed_informal,198.35,6,limited,0,810,1,informal_lender,4658.51,guarantor,business,1,3790.92,0.766,18,371.95,late_60_days,not_applicable,moderate_burden
Senegal,2021,rural,male,23,18-24,middle,primary,employed_informal,92.38,9,limited,0,413,1,sacco,1897.17,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2018,rural,female,53,45-54,lowest,secondary,self_employed,118.43,10,limited,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,female,57,55+,lowest,none,self_employed,141.06,7,good,0,450,1,informal_lender,4495.02,guarantor,housing,1,4145.38,0.798,36,207.08,paid_off,not_applicable,moderate_burden
Mozambique,2018,urban,male,47,45-54,middle,secondary,self_employed,443.17,10,none,0,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,26,25-34,lowest,none,employed_formal,66.12,10,good,1,442,1,commercial_bank,1764.56,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2023,urban,female,57,55+,middle,primary,unemployed,346.16,2,none,1,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,36,35-44,middle,primary,self_employed,122.7,3,none,0,689,1,family_friends,4245.92,none,education,1,3531.96,0.083,12,318.88,current,not_applicable,moderate_burden
Zambia,2024,urban,female,21,18-24,lowest,primary,employed_informal,90.79,4,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,37,35-44,middle,primary,employed_informal,183.47,2,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,female,51,45-54,middle,none,self_employed,292.81,4,limited,1,218,1,commercial_bank,15507.56,savings,agriculture,1,14980.44,0.207,6,3014.13,defaulted,not_applicable,moderate_burden
Zambia,2025,rural,female,30,25-34,second,primary,self_employed,142.14,7,good,0,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,58,55+,second,primary,self_employed,90.57,2,good,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,47,45-54,second,primary,employed_informal,265.15,9,limited,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,34,25-34,second,secondary,self_employed,64.89,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,female,56,55+,fourth,primary,self_employed,371.51,2,limited,1,320,1,commercial_bank,2872.41,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2019,urban,male,55,45-54,middle,secondary,self_employed,360.04,8,good,0,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,37,35-44,second,primary,farmer,85.93,7,none,1,0,1,commercial_bank,2357.75,guarantor,asset_purchase,1,2333.34,0.205,18,156.23,paid_off,not_applicable,moderate_burden
Malawi,2020,rural,female,43,35-44,middle,primary,self_employed,127.73,3,limited,1,432,1,commercial_bank,1620.38,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2023,rural,male,50,45-54,second,secondary,self_employed,75.23,4,limited,0,202,1,microfinance,996.59,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2020,rural,female,64,55+,lowest,primary,employed_informal,38.13,2,good,1,378,1,family_friends,1737.7,none,emergency,1,1521.9,0.015,24,64.37,current,not_applicable,moderate_burden
DRC,2023,urban,female,21,18-24,second,primary,employed_formal,162.91,10,none,1,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,38,35-44,middle,primary,farmer,78.29,4,good,1,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,54,45-54,fourth,primary,employed_formal,161.05,6,none,0,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,30,25-34,middle,primary,self_employed,112.33,7,none,0,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,42,35-44,lowest,secondary,self_employed,80.37,10,none,1,38,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,41,35-44,highest,primary,self_employed,278.88,3,limited,1,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,61,55+,second,primary,unemployed,155.99,5,good,1,679,1,digital_lender,4598.08,savings,consumption,1,4137.66,0.419,12,489.27,late_30_days,not_applicable,moderate_burden
South Africa,2023,rural,female,48,45-54,lowest,secondary,employed_formal,111.05,5,none,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,32,25-34,second,tertiary,unemployed,95.54,1,limited,1,554,1,commercial_bank,1083.27,savings,business,1,918.3,0.197,6,183.17,current,not_applicable,moderate_burden
Tanzania,2018,rural,female,51,45-54,middle,secondary,farmer,76.31,8,limited,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,62,55+,second,tertiary,employed_informal,59.16,9,good,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,24,18-24,lowest,primary,self_employed,28.35,6,none,0,220,1,family_friends,2753.97,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2023,urban,male,25,18-24,second,primary,self_employed,103.04,5,limited,0,769,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,female,32,25-34,fourth,primary,self_employed,279.69,8,limited,0,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,55,45-54,fourth,secondary,self_employed,191.91,4,none,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,59,55+,lowest,none,self_employed,79.38,6,none,0,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,36,35-44,lowest,tertiary,self_employed,38.85,8,none,0,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,male,50,45-54,lowest,secondary,self_employed,47.64,2,limited,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,female,38,35-44,lowest,secondary,unemployed,30.13,1,none,0,38,1,microfinance,8544.76,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2024,rural,female,35,25-34,middle,primary,self_employed,196.71,6,good,0,462,1,informal_lender,5013.01,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2018,rural,female,33,25-34,middle,secondary,farmer,203.16,9,limited,0,441,1,family_friends,4899.77,none,consumption,1,4767.7,0.023,24,203.29,current,not_applicable,moderate_burden
Kenya,2020,urban,male,65,55+,second,secondary,farmer,133.74,3,limited,1,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,66,55+,second,secondary,employed_formal,161.61,9,none,0,0,1,family_friends,2612.63,savings,business,1,2228.99,0.09,12,202.48,current,not_applicable,moderate_burden
Rwanda,2019,rural,female,22,18-24,highest,primary,employed_informal,209.06,5,none,0,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,57,55+,lowest,primary,self_employed,142.23,10,excellent,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,23,18-24,fourth,primary,employed_informal,396.0,9,good,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,male,65,55+,highest,tertiary,employed_informal,422.07,6,limited,0,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,female,30,25-34,fourth,primary,farmer,260.75,3,limited,0,606,1,family_friends,5454.5,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2025,urban,male,31,25-34,second,none,farmer,201.75,6,limited,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,female,37,35-44,fourth,secondary,unemployed,493.16,5,none,0,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,44,35-44,second,secondary,self_employed,126.09,10,none,0,537,1,informal_lender,3381.38,guarantor,emergency,1,2911.86,0.806,6,876.44,current,not_applicable,moderate_burden
Uganda,2019,rural,female,24,18-24,middle,primary,self_employed,559.43,1,none,1,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,25,18-24,highest,none,self_employed,2400.88,9,limited,0,422,1,microfinance,10634.54,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2018,rural,male,35,25-34,second,secondary,employed_formal,123.03,10,none,0,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,40,35-44,middle,primary,farmer,136.5,1,limited,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,44,35-44,lowest,primary,farmer,111.25,3,good,1,132,1,commercial_bank,1085.28,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2020,urban,female,50,45-54,second,tertiary,farmer,47.85,3,none,0,654,1,family_friends,2606.29,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2023,rural,female,64,55+,fourth,none,employed_informal,571.89,10,limited,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,25,18-24,lowest,primary,unemployed,46.65,1,none,0,689,1,microfinance,5057.27,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2025,rural,male,41,35-44,highest,primary,self_employed,921.82,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,39,35-44,highest,tertiary,farmer,956.82,9,good,1,850,1,commercial_bank,9411.35,none,education,1,8780.55,0.161,18,566.27,current,not_applicable,moderate_burden
Ethiopia,2022,urban,male,42,35-44,highest,primary,employed_informal,1695.77,1,none,1,158,1,microfinance,19747.26,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2021,urban,female,25,18-24,second,tertiary,farmer,46.2,9,none,1,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,40,35-44,highest,tertiary,farmer,364.2,1,none,1,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,58,55+,second,secondary,self_employed,291.13,1,none,0,0,1,sacco,4466.98,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2025,rural,male,33,25-34,middle,secondary,self_employed,178.1,7,none,1,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,22,18-24,middle,tertiary,self_employed,243.47,9,none,1,372,1,commercial_bank,15767.02,equipment,consumption,1,13903.13,0.173,12,1358.5,paid_off,not_applicable,moderate_burden
Ghana,2024,rural,female,67,55+,lowest,tertiary,self_employed,124.03,6,limited,1,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,60,55+,second,none,farmer,169.45,7,limited,1,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,22,18-24,highest,tertiary,farmer,902.46,5,good,0,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,19,18-24,middle,secondary,employed_formal,1627.18,4,limited,0,820,1,family_friends,15863.37,savings,housing,1,15580.12,0.018,12,1321.29,defaulted,not_applicable,moderate_burden
Senegal,2021,urban,female,60,55+,highest,secondary,self_employed,1735.68,7,limited,0,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,49,45-54,fourth,secondary,employed_informal,897.97,9,limited,1,401,1,microfinance,6410.96,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2019,rural,male,23,18-24,second,none,unemployed,28.57,1,limited,1,374,1,commercial_bank,1408.99,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,rural,female,65,55+,second,primary,employed_formal,117.65,10,good,1,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,female,69,55+,second,primary,employed_informal,243.64,9,none,1,20,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,57,55+,second,none,self_employed,79.61,7,limited,0,178,1,informal_lender,5132.01,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2024,rural,male,55,45-54,lowest,primary,farmer,21.63,9,good,1,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,male,35,25-34,fourth,primary,unemployed,380.21,1,excellent,0,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,21,18-24,lowest,secondary,self_employed,20.28,1,limited,0,128,1,sacco,1561.33,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2023,rural,male,53,45-54,second,tertiary,employed_informal,103.16,10,none,1,150,1,commercial_bank,3318.81,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2023,urban,male,26,25-34,second,none,employed_formal,165.96,8,none,1,475,1,commercial_bank,4171.14,vehicle,business,1,3823.67,0.228,12,391.16,current,not_applicable,moderate_burden
South Africa,2021,urban,female,47,45-54,fourth,secondary,employed_informal,196.39,10,none,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,37,35-44,middle,secondary,self_employed,163.12,5,none,1,585,1,employer,4451.22,none,education,1,3946.52,0.055,6,694.03,current,not_applicable,moderate_burden
Senegal,2020,urban,male,47,45-54,second,secondary,employed_formal,55.43,10,none,1,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,48,45-54,highest,none,farmer,625.75,8,limited,1,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,30,25-34,fourth,none,employed_formal,191.98,10,limited,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,21,18-24,second,secondary,employed_informal,531.47,6,good,0,109,1,microfinance,8045.25,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2021,urban,male,18,18-24,middle,secondary,employed_informal,216.11,3,none,1,239,1,commercial_bank,3897.31,property,education,1,3688.9,0.145,24,175.92,current,not_applicable,moderate_burden
Malawi,2024,rural,male,36,35-44,highest,primary,unemployed,775.55,6,good,1,836,1,commercial_bank,4457.38,none,emergency,1,4020.07,0.222,24,204.73,current,not_applicable,moderate_burden
Kenya,2019,rural,male,49,45-54,second,secondary,employed_informal,123.1,3,good,0,850,1,informal_lender,6020.99,property,housing,1,5995.82,0.769,6,1767.73,current,not_applicable,moderate_burden
Niger,2020,rural,male,43,35-44,fourth,secondary,employed_informal,300.88,1,limited,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,47,45-54,lowest,primary,farmer,23.33,5,good,0,671,1,family_friends,2699.85,vehicle,consumption,1,2409.89,0.009,24,101.27,current,not_applicable,moderate_burden
Mozambique,2025,rural,male,50,45-54,middle,primary,farmer,219.45,6,none,1,81,1,microfinance,2330.85,property,emergency,1,2113.36,0.306,36,76.67,late_60_days,not_applicable,moderate_burden
Rwanda,2020,urban,female,65,55+,second,none,employed_informal,260.07,8,limited,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,33,25-34,highest,secondary,farmer,1111.12,7,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,19,18-24,second,tertiary,self_employed,61.33,6,none,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,female,56,55+,fourth,primary,farmer,91.12,10,none,1,413,1,microfinance,4289.38,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2020,urban,female,22,18-24,second,secondary,employed_informal,150.03,10,none,1,575,1,sacco,5533.45,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2019,rural,male,36,35-44,lowest,primary,employed_informal,29.29,4,good,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,40,35-44,second,primary,farmer,93.33,8,none,1,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,69,55+,second,primary,unemployed,299.96,6,good,0,199,1,informal_lender,8355.03,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2024,urban,female,22,18-24,second,primary,employed_informal,63.78,1,good,0,796,1,informal_lender,2485.87,guarantor,business,1,2225.29,0.825,12,338.38,current,not_applicable,moderate_burden
Nigeria,2024,urban,male,30,25-34,second,primary,farmer,193.33,7,limited,0,548,1,family_friends,7915.27,none,housing,1,7434.78,0.084,18,447.86,current,not_applicable,moderate_burden
Malawi,2020,rural,male,41,35-44,highest,tertiary,farmer,1315.39,7,limited,1,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,44,35-44,fourth,none,unemployed,377.17,1,limited,0,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,47,45-54,fourth,primary,farmer,463.9,4,limited,0,386,1,microfinance,5181.27,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2021,rural,female,55,45-54,lowest,none,employed_formal,40.34,10,none,0,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,41,35-44,lowest,primary,unemployed,81.3,5,limited,0,135,1,family_friends,998.74,guarantor,agriculture,1,828.8,0.067,24,36.85,paid_off,not_applicable,moderate_burden
Tanzania,2023,rural,female,57,55+,fourth,primary,farmer,550.39,3,none,0,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,67,55+,fourth,secondary,self_employed,684.77,7,limited,0,719,1,family_friends,3710.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2024,rural,male,26,25-34,highest,tertiary,employed_informal,978.03,9,limited,0,736,1,microfinance,5000.89,vehicle,emergency,1,4680.67,0.331,48,129.84,paid_off,not_applicable,moderate_burden
Niger,2018,urban,male,50,45-54,second,primary,employed_informal,138.46,3,excellent,1,694,1,commercial_bank,3198.61,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2019,rural,female,41,35-44,highest,none,farmer,4090.65,8,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,urban,male,42,35-44,highest,secondary,self_employed,2256.91,1,none,1,606,1,commercial_bank,3792.94,none,business,1,3761.06,0.197,12,375.11,current,not_applicable,moderate_burden
Mozambique,2024,urban,male,20,18-24,middle,tertiary,employed_informal,366.58,2,none,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,male,30,25-34,second,primary,farmer,167.29,9,limited,1,490,1,commercial_bank,2259.56,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2019,urban,female,29,25-34,second,primary,self_employed,219.72,7,none,0,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,20,18-24,highest,tertiary,farmer,2931.41,2,none,1,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,19,18-24,second,primary,self_employed,63.51,4,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,20,18-24,second,primary,employed_informal,96.32,9,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,male,52,45-54,highest,tertiary,employed_formal,845.79,4,none,0,533,1,informal_lender,4382.83,guarantor,agriculture,1,4305.15,0.765,12,633.1,late_30_days,not_applicable,moderate_burden
Uganda,2024,urban,female,23,18-24,highest,tertiary,employed_informal,885.98,6,limited,1,644,1,commercial_bank,7228.03,guarantor,education,1,6697.42,0.15,18,427.86,paid_off,not_applicable,moderate_burden
Malawi,2018,rural,male,57,55+,fourth,secondary,farmer,399.81,9,excellent,0,751,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,male,45,35-44,lowest,primary,employed_informal,68.18,6,none,0,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,56,55+,fourth,tertiary,employed_informal,198.75,3,good,0,193,1,informal_lender,4452.51,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2022,rural,female,64,55+,lowest,tertiary,self_employed,38.4,4,limited,1,432,1,microfinance,1482.96,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2022,urban,male,47,45-54,highest,secondary,farmer,2945.36,7,none,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,33,25-34,fourth,primary,self_employed,196.56,2,none,0,0,1,informal_lender,1753.59,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2025,rural,female,23,18-24,middle,tertiary,employed_informal,263.65,7,none,0,354,1,informal_lender,8414.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2025,urban,male,65,55+,lowest,primary,employed_informal,336.23,5,none,1,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,28,25-34,lowest,primary,employed_informal,69.44,1,none,1,36,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,female,53,45-54,lowest,tertiary,employed_formal,48.56,5,none,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,male,20,18-24,lowest,primary,self_employed,127.53,7,none,1,44,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,male,34,25-34,lowest,primary,employed_informal,83.5,5,limited,1,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,38,35-44,highest,primary,unemployed,366.6,5,limited,0,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,male,66,55+,fourth,primary,employed_informal,322.15,5,none,1,414,1,commercial_bank,5455.93,property,business,1,5447.04,0.221,18,369.57,current,not_applicable,moderate_burden
Zambia,2019,urban,female,27,25-34,middle,primary,employed_formal,513.64,4,limited,0,59,1,employer,3181.41,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2024,rural,male,27,25-34,highest,primary,farmer,197.17,10,none,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,56,55+,fourth,primary,employed_informal,247.34,2,none,1,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,18,18-24,lowest,secondary,unemployed,152.31,6,limited,0,28,1,family_friends,4173.04,none,housing,1,3775.24,0.082,24,170.25,paid_off,not_applicable,moderate_burden
Kenya,2019,urban,male,59,55+,highest,primary,farmer,673.54,2,limited,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,65,55+,fourth,none,employed_informal,877.69,5,none,0,89,1,family_friends,3281.51,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2024,urban,male,20,18-24,highest,primary,employed_informal,544.89,3,limited,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,female,64,55+,fourth,tertiary,self_employed,514.8,1,limited,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,female,36,35-44,second,tertiary,self_employed,216.11,8,good,1,850,1,sacco,14902.59,savings,education,1,13258.13,0.271,36,468.08,late_30_days,not_applicable,moderate_burden
Ghana,2023,rural,male,48,45-54,fourth,primary,farmer,388.37,1,none,0,651,1,informal_lender,8948.89,equipment,business,1,7263.47,0.823,12,1103.25,current,not_applicable,moderate_burden
Uganda,2022,urban,male,47,45-54,highest,secondary,self_employed,433.74,2,none,0,812,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,50,45-54,lowest,none,employed_informal,28.39,6,limited,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,54,45-54,second,tertiary,employed_formal,172.93,9,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,53,45-54,second,primary,self_employed,207.21,3,good,0,802,1,digital_lender,6564.87,none,agriculture,1,5823.4,0.467,6,1424.1,late_30_days,not_applicable,moderate_burden
Zambia,2019,rural,female,31,25-34,middle,none,unemployed,404.2,2,limited,0,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,28,25-34,second,primary,self_employed,609.75,1,none,1,429,1,commercial_bank,7700.84,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2024,rural,female,49,45-54,lowest,secondary,self_employed,28.74,5,none,0,654,1,microfinance,1351.35,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2022,urban,female,48,45-54,fourth,secondary,farmer,252.61,8,limited,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,18,18-24,second,none,unemployed,143.08,1,none,0,731,1,employer,5485.38,property,housing,1,5222.13,0.082,12,470.66,defaulted,not_applicable,moderate_burden
Uganda,2019,rural,male,29,25-34,middle,none,self_employed,186.12,6,good,0,803,1,informal_lender,3391.61,guarantor,business,1,3213.01,0.849,18,330.01,current,not_applicable,moderate_burden
Niger,2025,urban,male,18,18-24,fourth,secondary,farmer,952.97,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,49,45-54,second,tertiary,self_employed,100.97,8,good,0,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,24,18-24,middle,tertiary,employed_formal,127.04,4,limited,1,802,1,commercial_bank,6197.28,vehicle,business,1,5625.08,0.14,18,356.11,current,not_applicable,moderate_burden
DRC,2025,rural,male,24,18-24,second,primary,employed_formal,148.06,8,limited,1,41,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,51,45-54,second,primary,unemployed,149.33,1,none,1,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,female,19,18-24,second,tertiary,employed_informal,183.05,7,limited,0,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,urban,female,37,35-44,second,tertiary,self_employed,174.75,4,none,1,664,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,male,43,35-44,second,tertiary,farmer,334.18,1,none,1,10,1,commercial_bank,12604.45,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2018,urban,female,21,18-24,middle,none,farmer,153.34,7,limited,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,53,45-54,middle,primary,farmer,483.41,3,none,0,555,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,32,25-34,highest,secondary,unemployed,713.19,1,none,0,353,1,family_friends,4277.22,vehicle,education,1,4061.14,0.08,24,182.81,current,not_applicable,moderate_burden
DRC,2023,rural,female,52,45-54,second,tertiary,self_employed,44.68,8,limited,0,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,female,64,55+,middle,primary,farmer,1176.77,4,limited,1,657,1,microfinance,7100.94,none,agriculture,1,6736.55,0.308,18,489.66,current,not_applicable,moderate_burden
Niger,2023,rural,female,55,45-54,middle,secondary,employed_formal,499.28,10,limited,1,42,1,commercial_bank,6610.54,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2022,rural,male,28,25-34,highest,secondary,employed_informal,700.06,8,none,0,287,1,family_friends,12124.67,property,business,1,10871.72,0.016,12,920.22,current,not_applicable,moderate_burden
DRC,2025,urban,male,26,25-34,lowest,none,farmer,309.95,9,limited,1,818,1,sacco,4213.43,guarantor,emergency,1,3428.01,0.338,6,764.58,current,not_applicable,moderate_burden
Senegal,2023,rural,female,42,35-44,middle,tertiary,unemployed,723.66,1,good,0,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,40,35-44,middle,primary,employed_informal,551.58,8,none,0,71,1,employer,7161.52,savings,business,1,6102.71,0.065,36,180.54,paid_off,not_applicable,moderate_burden
Kenya,2018,rural,female,57,55+,lowest,none,employed_informal,76.72,3,limited,0,741,1,informal_lender,289.05,none,agriculture,1,275.98,0.837,12,42.26,defaulted,not_applicable,moderate_burden
DRC,2019,rural,male,64,55+,lowest,secondary,employed_formal,136.84,10,limited,0,552,1,informal_lender,1795.8,none,asset_purchase,1,1775.27,0.799,6,532.23,late_60_days,not_applicable,moderate_burden
Mali,2021,urban,male,47,45-54,lowest,primary,employed_formal,52.58,4,none,0,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,female,49,45-54,lowest,tertiary,unemployed,57.32,1,none,0,507,1,family_friends,6041.42,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2019,rural,female,37,35-44,middle,tertiary,employed_formal,613.36,4,limited,1,266,1,commercial_bank,8301.45,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2024,rural,male,59,55+,fourth,primary,farmer,663.66,5,none,1,351,1,employer,4095.28,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2020,rural,female,38,35-44,middle,none,employed_formal,253.22,10,limited,1,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,25,18-24,second,tertiary,employed_informal,27.74,4,good,0,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,female,39,35-44,fourth,none,employed_informal,312.57,1,limited,0,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,31,25-34,second,secondary,employed_formal,276.67,5,none,1,491,1,microfinance,4741.69,none,agriculture,1,3952.07,0.326,18,291.11,paid_off,not_applicable,moderate_burden
DRC,2021,rural,female,50,45-54,second,primary,unemployed,145.34,6,none,0,140,1,digital_lender,2543.15,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,urban,male,50,45-54,middle,none,unemployed,109.0,1,excellent,0,767,1,microfinance,5584.41,guarantor,agriculture,1,5569.5,0.329,12,617.02,current,not_applicable,moderate_burden
Ghana,2021,rural,male,58,55+,fourth,primary,farmer,569.34,7,none,1,391,1,microfinance,3695.39,savings,agriculture,1,3039.98,0.317,18,222.39,current,not_applicable,moderate_burden
Tanzania,2019,urban,female,64,55+,lowest,primary,farmer,159.04,4,none,0,431,1,informal_lender,4021.2,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2018,rural,male,32,25-34,second,primary,employed_informal,133.64,5,none,0,437,1,sacco,6317.59,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2020,rural,female,61,55+,fourth,none,unemployed,223.09,3,none,0,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,49,45-54,lowest,primary,farmer,50.12,2,none,0,0,1,digital_lender,2973.23,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2022,urban,female,26,25-34,lowest,primary,self_employed,147.04,4,none,0,113,1,family_friends,6577.4,none,business,1,5643.89,0.083,18,339.42,current,not_applicable,moderate_burden
Tanzania,2023,urban,male,39,35-44,middle,tertiary,farmer,1063.05,9,limited,0,803,1,family_friends,5271.61,equipment,agriculture,1,4698.21,0.075,12,421.05,current,not_applicable,moderate_burden
Ethiopia,2025,urban,female,43,35-44,middle,tertiary,employed_informal,206.04,1,limited,0,354,1,commercial_bank,3266.46,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2025,rural,female,55,45-54,middle,primary,employed_informal,128.51,6,limited,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,49,45-54,highest,tertiary,employed_informal,1488.7,4,none,0,620,1,family_friends,16297.66,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2023,rural,male,57,55+,highest,none,self_employed,998.75,9,none,1,630,1,sacco,10077.86,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2022,rural,female,56,55+,second,primary,unemployed,178.34,5,none,0,56,1,employer,2357.02,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2019,urban,female,39,35-44,second,secondary,self_employed,228.52,6,limited,1,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,32,25-34,lowest,secondary,farmer,30.8,10,none,0,614,1,employer,1417.0,vehicle,agriculture,1,1196.63,0.044,18,69.38,current,not_applicable,moderate_burden
Kenya,2018,urban,female,48,45-54,highest,secondary,unemployed,957.32,5,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,54,45-54,second,primary,employed_formal,86.92,4,good,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,66,55+,middle,none,farmer,146.59,4,none,0,576,1,informal_lender,2135.65,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2022,urban,male,20,18-24,highest,primary,farmer,1322.86,7,limited,0,815,1,microfinance,13995.98,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2020,urban,male,50,45-54,second,secondary,farmer,1096.3,9,none,1,655,1,commercial_bank,4172.49,guarantor,asset_purchase,1,3652.63,0.215,24,184.86,late_30_days,not_applicable,moderate_burden
Kenya,2019,rural,female,35,25-34,fourth,primary,unemployed,363.56,1,limited,0,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,25,18-24,middle,secondary,employed_informal,813.92,10,limited,1,76,1,digital_lender,2619.49,guarantor,business,1,2301.49,0.479,18,189.13,current,not_applicable,moderate_burden
Rwanda,2025,rural,male,61,55+,second,none,unemployed,70.23,1,good,0,367,1,commercial_bank,1079.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2023,urban,male,63,55+,middle,primary,self_employed,195.1,1,none,0,384,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,female,35,25-34,middle,primary,farmer,350.69,3,good,0,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,male,62,55+,lowest,none,self_employed,46.14,2,excellent,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,49,45-54,lowest,secondary,farmer,252.15,3,limited,0,238,1,family_friends,5232.01,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2019,urban,female,39,35-44,lowest,none,unemployed,42.13,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,65,55+,second,primary,self_employed,135.6,8,none,1,124,1,digital_lender,1499.99,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2019,rural,female,55,45-54,middle,secondary,employed_informal,178.32,8,good,0,850,1,sacco,1584.47,none,housing,1,1437.6,0.302,18,103.97,current,not_applicable,moderate_burden
Malawi,2025,rural,female,41,35-44,fourth,none,employed_informal,1001.71,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,44,35-44,lowest,none,farmer,312.63,2,limited,1,309,1,family_friends,6847.91,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,rural,female,63,55+,lowest,secondary,employed_informal,40.83,3,limited,0,329,1,microfinance,1233.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Kenya,2020,rural,male,28,25-34,middle,secondary,employed_informal,302.48,4,good,1,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,21,18-24,fourth,secondary,employed_formal,116.92,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,27,25-34,second,secondary,self_employed,45.3,7,none,1,606,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,42,35-44,lowest,tertiary,unemployed,62.78,3,limited,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,female,59,55+,middle,none,self_employed,111.49,1,good,1,769,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,53,45-54,highest,tertiary,self_employed,4181.76,8,limited,1,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,66,55+,lowest,secondary,farmer,66.88,5,none,1,658,1,sacco,8890.31,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2018,urban,male,20,18-24,fourth,secondary,farmer,565.55,9,excellent,0,160,1,employer,7434.45,none,housing,1,6748.12,0.07,24,300.92,late_60_days,not_applicable,moderate_burden
Niger,2024,rural,male,40,35-44,middle,primary,farmer,1109.69,7,excellent,1,850,1,informal_lender,14495.73,none,business,1,13497.93,0.814,18,1360.08,current,not_applicable,moderate_burden
DRC,2025,rural,female,53,45-54,middle,secondary,self_employed,638.39,5,good,0,850,1,microfinance,3573.41,guarantor,education,1,2945.41,0.351,12,331.61,current,not_applicable,moderate_burden
DRC,2025,rural,male,51,45-54,second,secondary,self_employed,267.12,10,limited,1,574,1,family_friends,4014.32,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2021,urban,female,62,55+,fourth,secondary,self_employed,204.67,2,none,1,378,1,digital_lender,2756.47,equipment,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2023,urban,female,63,55+,fourth,secondary,employed_informal,222.79,4,limited,1,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,63,55+,highest,primary,unemployed,966.85,1,none,0,89,1,family_friends,4901.23,none,asset_purchase,1,4053.16,0.006,18,226.49,late_60_days,not_applicable,moderate_burden
Ghana,2021,urban,female,36,35-44,highest,primary,self_employed,1040.77,7,good,0,305,1,commercial_bank,13249.04,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2023,urban,female,55,45-54,highest,primary,self_employed,456.58,3,limited,0,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,26,25-34,highest,secondary,farmer,612.99,8,limited,1,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,52,45-54,second,tertiary,employed_formal,524.62,5,limited,1,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,female,52,45-54,middle,secondary,self_employed,208.27,9,none,0,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,36,35-44,middle,primary,self_employed,530.28,8,good,1,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,male,29,25-34,lowest,primary,employed_informal,265.2,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,37,35-44,lowest,secondary,farmer,87.15,8,none,1,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,63,55+,middle,primary,employed_formal,169.22,4,none,0,466,1,employer,2754.13,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2025,urban,male,22,18-24,lowest,secondary,unemployed,83.32,1,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,female,63,55+,middle,primary,farmer,185.28,5,none,0,144,1,microfinance,1238.14,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2023,urban,female,23,18-24,middle,primary,self_employed,203.09,6,limited,1,430,1,family_friends,3099.97,guarantor,emergency,1,2798.52,0.084,12,252.84,late_30_days,not_applicable,moderate_burden
South Africa,2022,rural,male,19,18-24,lowest,secondary,unemployed,18.48,1,good,1,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,68,55+,second,tertiary,unemployed,99.37,5,none,0,295,1,microfinance,1972.72,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2018,urban,female,30,25-34,highest,none,employed_formal,1247.76,7,limited,1,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,39,35-44,middle,secondary,employed_formal,295.08,9,none,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,28,25-34,middle,tertiary,employed_formal,84.51,10,none,1,0,1,microfinance,6831.51,guarantor,business,1,6120.42,0.293,18,439.54,late_60_days,not_applicable,moderate_burden
Tanzania,2021,urban,male,24,18-24,fourth,none,unemployed,715.45,1,limited,1,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,male,61,55+,middle,secondary,employed_informal,312.48,9,good,1,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,63,55+,second,primary,farmer,80.96,2,none,0,217,1,digital_lender,1546.68,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2020,rural,male,36,35-44,second,primary,employed_formal,112.15,10,none,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,63,55+,lowest,none,self_employed,27.37,6,limited,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,male,41,35-44,fourth,tertiary,employed_informal,724.47,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,35,25-34,lowest,secondary,farmer,154.83,6,none,1,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,47,45-54,fourth,secondary,farmer,319.38,1,limited,1,509,1,microfinance,6320.31,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2019,urban,male,21,18-24,second,primary,farmer,130.56,5,good,1,363,1,family_friends,1820.07,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2018,urban,female,33,25-34,highest,primary,farmer,1582.78,7,none,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,38,35-44,highest,tertiary,unemployed,339.96,1,good,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,female,68,55+,middle,none,unemployed,100.67,2,good,1,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,18,18-24,fourth,secondary,employed_formal,134.16,9,none,0,593,1,family_friends,1339.01,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2023,rural,female,25,18-24,lowest,primary,unemployed,65.87,6,good,0,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,31,25-34,middle,primary,unemployed,69.45,2,none,1,733,1,microfinance,4140.56,property,business,1,3465.47,0.349,24,194.85,paid_off,not_applicable,moderate_burden
Niger,2021,rural,female,65,55+,fourth,secondary,employed_informal,344.8,7,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,male,55,45-54,second,none,employed_formal,63.13,10,none,1,354,1,digital_lender,4027.06,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2019,rural,male,41,35-44,middle,secondary,employed_informal,101.04,2,limited,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,30,25-34,second,tertiary,farmer,340.67,3,limited,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,male,35,25-34,middle,primary,employed_formal,141.17,10,good,0,527,1,sacco,1630.57,equipment,business,1,1327.8,0.321,12,146.15,paid_off,not_applicable,moderate_burden
Ethiopia,2020,rural,female,26,25-34,lowest,tertiary,employed_formal,24.44,4,good,0,831,1,family_friends,1329.65,savings,asset_purchase,1,1253.51,0.014,24,52.94,late_30_days,not_applicable,moderate_burden
Mali,2025,urban,female,26,25-34,second,secondary,employed_formal,171.28,6,excellent,1,850,1,commercial_bank,5481.31,equipment,education,1,5326.77,0.21,48,134.26,paid_off,not_applicable,moderate_burden
Ethiopia,2021,rural,male,24,18-24,second,secondary,self_employed,85.8,8,good,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,60,55+,lowest,tertiary,self_employed,47.05,5,limited,1,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,urban,male,31,25-34,fourth,secondary,self_employed,457.38,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,44,35-44,fourth,primary,unemployed,249.98,5,limited,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,male,66,55+,lowest,secondary,unemployed,62.51,1,excellent,0,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,56,55+,second,secondary,farmer,22.37,6,limited,0,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,66,55+,lowest,tertiary,employed_formal,44.85,6,none,0,534,1,microfinance,5576.27,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2025,rural,male,38,35-44,second,primary,employed_informal,120.59,7,limited,1,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,27,25-34,fourth,secondary,unemployed,551.7,1,excellent,1,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,40,35-44,middle,none,farmer,854.16,8,none,0,731,1,commercial_bank,5332.27,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2023,urban,male,38,35-44,second,primary,unemployed,101.03,3,none,0,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,urban,female,60,55+,second,primary,farmer,49.97,5,good,1,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,24,18-24,fourth,secondary,employed_informal,368.29,1,good,1,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,56,55+,fourth,secondary,employed_informal,515.98,2,limited,1,594,1,microfinance,5291.09,savings,education,1,4833.44,0.315,12,529.74,late_30_days,not_applicable,moderate_burden
Niger,2019,urban,male,59,55+,highest,secondary,employed_formal,729.94,9,limited,1,436,1,commercial_bank,30538.72,savings,agriculture,1,24534.71,0.206,24,1233.09,current,not_applicable,moderate_burden
Zambia,2025,rural,female,66,55+,highest,secondary,unemployed,890.83,1,limited,0,490,1,commercial_bank,2840.15,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2024,rural,male,51,45-54,middle,primary,farmer,321.26,5,none,0,21,1,informal_lender,4013.99,none,education,1,3854.62,0.788,6,1148.4,paid_off,not_applicable,moderate_burden
Kenya,2023,urban,male,67,55+,middle,tertiary,self_employed,262.49,2,none,1,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,57,55+,lowest,tertiary,employed_informal,99.19,2,limited,1,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,63,55+,middle,primary,self_employed,200.29,1,limited,0,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,urban,male,66,55+,second,secondary,employed_informal,564.53,4,excellent,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,54,45-54,lowest,none,employed_formal,39.14,8,limited,1,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,63,55+,middle,primary,unemployed,83.97,6,limited,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,male,21,18-24,highest,primary,employed_informal,680.85,4,none,1,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,23,18-24,fourth,primary,self_employed,180.86,5,none,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,47,45-54,second,tertiary,farmer,323.82,9,good,0,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,54,45-54,lowest,none,employed_informal,69.89,10,none,1,137,1,microfinance,1397.41,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2025,rural,male,69,55+,second,secondary,farmer,71.62,5,none,1,690,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,38,35-44,middle,none,self_employed,126.47,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,62,55+,second,tertiary,self_employed,95.81,8,good,1,753,1,commercial_bank,2072.91,guarantor,education,1,1742.88,0.132,24,82.18,current,not_applicable,moderate_burden
Malawi,2021,rural,female,64,55+,highest,none,unemployed,189.92,1,limited,0,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,male,22,18-24,fourth,secondary,unemployed,1534.9,1,limited,1,307,1,commercial_bank,13673.6,none,emergency,1,12053.91,0.195,12,1200.31,late_30_days,not_applicable,moderate_burden
Uganda,2024,rural,female,57,55+,second,primary,self_employed,290.24,6,excellent,0,260,1,informal_lender,2539.49,property,business,1,2369.23,0.783,18,234.72,paid_off,not_applicable,moderate_burden
South Africa,2021,rural,male,42,35-44,lowest,tertiary,farmer,26.59,10,none,0,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,46,45-54,lowest,primary,self_employed,70.81,8,none,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,urban,female,49,45-54,highest,secondary,self_employed,505.87,7,none,0,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,54,45-54,highest,tertiary,self_employed,860.97,10,limited,0,574,1,sacco,4201.69,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2025,urban,female,50,45-54,second,secondary,employed_formal,147.56,10,none,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,female,66,55+,lowest,secondary,farmer,109.45,3,limited,1,489,1,sacco,4773.49,none,business,1,4563.04,0.36,12,517.21,late_30_days,not_applicable,moderate_burden
Senegal,2022,rural,male,48,45-54,lowest,primary,employed_informal,33.22,5,limited,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,22,18-24,lowest,none,farmer,42.29,6,limited,1,651,1,family_friends,3312.16,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2025,rural,female,39,35-44,second,primary,self_employed,134.64,6,limited,0,796,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,male,28,25-34,highest,secondary,self_employed,650.71,7,none,1,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,59,55+,fourth,primary,employed_informal,421.6,1,limited,0,582,1,informal_lender,18214.53,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2021,urban,male,22,18-24,highest,primary,unemployed,1142.05,1,none,1,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,43,35-44,lowest,secondary,self_employed,37.73,3,none,0,17,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,female,30,25-34,fourth,none,self_employed,550.01,9,limited,0,83,1,family_friends,3123.99,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2022,rural,male,28,25-34,middle,secondary,employed_formal,216.3,4,none,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,female,30,25-34,second,primary,self_employed,174.01,10,none,1,746,1,employer,10383.1,none,business,1,9937.35,0.064,18,587.25,late_30_days,not_applicable,moderate_burden
DRC,2020,rural,male,48,45-54,highest,secondary,employed_informal,806.53,4,limited,0,577,1,digital_lender,4752.95,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,urban,female,40,35-44,second,primary,self_employed,114.97,3,good,0,850,1,commercial_bank,2673.32,none,business,1,2662.33,0.228,12,272.41,current,not_applicable,moderate_burden
Uganda,2024,rural,female,37,35-44,fourth,none,employed_formal,336.99,10,none,1,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,52,45-54,second,primary,farmer,142.65,2,excellent,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,43,35-44,highest,primary,employed_informal,1274.09,9,none,0,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,male,59,55+,highest,secondary,employed_informal,1041.84,4,good,0,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,68,55+,lowest,tertiary,self_employed,114.03,2,none,1,0,1,sacco,4170.74,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2020,rural,male,57,55+,lowest,primary,employed_formal,42.72,7,good,0,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,51,45-54,highest,tertiary,unemployed,267.02,1,excellent,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,63,55+,highest,primary,self_employed,1274.59,4,limited,0,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,male,64,55+,lowest,tertiary,farmer,83.58,6,none,0,594,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,65,55+,second,none,unemployed,238.11,4,none,0,224,1,informal_lender,1856.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2019,urban,male,44,35-44,fourth,secondary,unemployed,623.09,1,good,1,144,1,informal_lender,8636.48,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2022,urban,male,33,25-34,fourth,secondary,farmer,935.45,10,none,1,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,male,64,55+,lowest,primary,employed_informal,91.83,1,none,0,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,female,65,55+,fourth,primary,employed_informal,786.32,10,none,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,36,35-44,fourth,secondary,farmer,520.36,5,limited,1,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,48,45-54,second,secondary,unemployed,157.29,1,limited,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,48,45-54,highest,tertiary,self_employed,525.27,10,none,0,539,1,family_friends,4988.69,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2022,rural,female,38,35-44,lowest,tertiary,farmer,40.66,6,none,0,305,1,digital_lender,1849.27,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2023,urban,female,49,45-54,lowest,secondary,employed_formal,36.08,10,good,1,797,1,sacco,1296.16,none,business,1,1164.32,0.281,18,82.85,current,not_applicable,moderate_burden
Mali,2021,urban,female,47,45-54,second,none,farmer,185.52,9,good,0,850,1,digital_lender,6856.27,guarantor,consumption,1,5665.21,0.487,36,233.95,current,not_applicable,moderate_burden
Rwanda,2023,rural,female,21,18-24,lowest,secondary,self_employed,21.06,3,good,1,230,1,microfinance,410.36,none,agriculture,1,391.9,0.287,12,42.03,current,not_applicable,moderate_burden
Ethiopia,2018,urban,female,65,55+,lowest,tertiary,unemployed,44.45,1,good,0,262,1,employer,1175.72,guarantor,asset_purchase,1,1078.97,0.06,24,47.68,current,not_applicable,moderate_burden
DRC,2024,rural,male,36,35-44,highest,secondary,employed_informal,485.01,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,57,55+,fourth,none,unemployed,761.65,1,none,0,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,female,67,55+,middle,tertiary,self_employed,869.36,2,good,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,49,45-54,highest,secondary,employed_formal,1691.28,10,limited,0,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,27,25-34,second,primary,farmer,153.09,9,none,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,44,35-44,middle,primary,employed_formal,437.11,10,limited,0,821,1,family_friends,2189.34,none,agriculture,1,1914.48,0.006,24,80.22,defaulted,not_applicable,moderate_burden
South Africa,2019,urban,female,44,35-44,middle,primary,self_employed,142.93,7,limited,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,male,42,35-44,second,secondary,self_employed,90.61,7,limited,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,69,55+,lowest,tertiary,self_employed,112.48,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,64,55+,middle,secondary,employed_informal,430.8,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,26,25-34,lowest,secondary,self_employed,24.5,6,limited,0,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,69,55+,highest,primary,self_employed,262.44,1,limited,0,850,1,family_friends,16065.78,savings,consumption,1,13771.68,0.025,36,392.03,current,not_applicable,moderate_burden
Senegal,2024,urban,female,34,25-34,lowest,primary,farmer,120.88,2,good,1,298,1,commercial_bank,7774.67,property,business,1,6274.14,0.172,36,204.2,current,not_applicable,moderate_burden
South Africa,2023,urban,male,65,55+,second,secondary,employed_formal,199.48,6,limited,1,803,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,female,20,18-24,fourth,none,employed_informal,904.37,8,excellent,0,832,1,informal_lender,3051.02,property,business,1,2774.25,0.757,18,270.76,late_30_days,not_applicable,moderate_burden
Ethiopia,2022,rural,male,34,25-34,lowest,secondary,self_employed,44.21,7,limited,0,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,female,24,18-24,middle,primary,employed_informal,280.27,1,limited,0,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,18,18-24,highest,secondary,employed_informal,520.03,9,none,0,255,1,family_friends,9291.14,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2022,rural,female,18,18-24,second,primary,farmer,50.34,10,limited,0,430,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,male,26,25-34,middle,primary,unemployed,115.85,6,good,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,53,45-54,fourth,none,farmer,111.04,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,29,25-34,fourth,primary,employed_informal,104.71,10,limited,1,487,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,65,55+,lowest,secondary,farmer,42.75,10,excellent,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,67,55+,lowest,secondary,employed_informal,34.9,5,none,1,543,1,digital_lender,2189.05,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2019,urban,female,68,55+,highest,secondary,self_employed,412.5,2,limited,1,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,male,43,35-44,fourth,secondary,self_employed,592.23,2,excellent,0,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,55,45-54,middle,secondary,self_employed,550.51,2,limited,0,810,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,female,42,35-44,lowest,none,self_employed,77.28,2,none,1,70,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,60,55+,middle,secondary,self_employed,817.47,10,limited,0,740,1,family_friends,10298.18,none,agriculture,1,8752.55,0.021,24,372.36,defaulted,not_applicable,moderate_burden
Ghana,2020,rural,male,43,35-44,second,secondary,self_employed,201.88,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,58,55+,second,primary,employed_informal,163.21,7,none,0,618,1,family_friends,6696.31,guarantor,business,1,6687.39,0.048,18,389.43,current,not_applicable,moderate_burden
Rwanda,2018,urban,male,19,18-24,middle,primary,farmer,306.88,7,good,1,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,25,18-24,fourth,secondary,employed_informal,236.43,9,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,male,34,25-34,highest,secondary,farmer,611.57,7,good,1,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,55,45-54,lowest,secondary,self_employed,59.27,6,limited,0,645,1,informal_lender,695.17,guarantor,agriculture,1,560.96,0.807,18,56.33,late_30_days,not_applicable,moderate_burden
Senegal,2019,rural,female,20,18-24,lowest,secondary,self_employed,117.04,8,limited,0,115,1,family_friends,13653.99,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2021,rural,female,56,55+,middle,secondary,farmer,326.4,3,good,0,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,34,25-34,fourth,primary,self_employed,482.88,8,limited,0,56,1,informal_lender,2631.47,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2020,urban,female,62,55+,lowest,secondary,farmer,42.08,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,68,55+,fourth,secondary,employed_informal,626.46,2,none,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,female,50,45-54,highest,tertiary,farmer,636.57,1,none,1,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,male,28,25-34,second,secondary,employed_formal,81.91,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,36,35-44,highest,primary,self_employed,508.72,2,limited,1,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,25,18-24,second,none,self_employed,376.67,5,excellent,1,829,1,microfinance,6625.66,savings,agriculture,1,6315.03,0.365,6,1436.83,current,not_applicable,moderate_burden
DRC,2018,rural,female,47,45-54,lowest,secondary,employed_informal,52.99,5,none,1,637,1,sacco,3806.58,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2024,rural,female,53,45-54,fourth,primary,employed_informal,331.65,1,good,0,806,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,33,25-34,second,none,self_employed,164.57,2,good,0,218,1,digital_lender,3868.68,guarantor,business,1,3848.26,0.403,12,450.07,current,not_applicable,moderate_burden
Zambia,2018,urban,male,64,55+,second,primary,self_employed,138.57,10,none,0,703,1,family_friends,4410.02,none,business,1,4263.51,0.009,12,358.34,paid_off,not_applicable,moderate_burden
Zambia,2020,urban,female,60,55+,lowest,primary,unemployed,44.34,5,none,1,691,1,digital_lender,3778.22,savings,business,1,3122.37,0.401,18,242.99,late_30_days,not_applicable,moderate_burden
Zambia,2023,rural,female,30,25-34,middle,secondary,farmer,593.62,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,38,35-44,fourth,none,unemployed,556.98,6,none,0,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,41,35-44,fourth,primary,farmer,518.47,5,limited,1,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,47,45-54,highest,none,farmer,396.1,2,none,1,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,66,55+,fourth,primary,employed_formal,159.24,10,none,0,0,1,family_friends,1907.85,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2021,urban,female,39,35-44,fourth,secondary,self_employed,160.11,3,limited,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,male,46,45-54,second,secondary,employed_informal,92.11,8,good,0,769,1,digital_lender,7335.64,guarantor,agriculture,1,6616.61,0.413,18,519.44,late_30_days,not_applicable,moderate_burden
Mali,2018,urban,female,30,25-34,highest,none,self_employed,2243.03,10,none,1,770,1,digital_lender,3893.2,guarantor,housing,1,3676.77,0.472,24,225.51,paid_off,not_applicable,moderate_burden
Mali,2022,rural,male,47,45-54,second,primary,self_employed,122.23,10,excellent,0,163,1,family_friends,5622.0,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2021,rural,female,21,18-24,middle,primary,self_employed,424.08,8,limited,0,70,1,family_friends,4745.56,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2021,urban,male,44,35-44,second,tertiary,unemployed,398.7,1,good,1,763,1,commercial_bank,4497.34,none,agriculture,1,4014.12,0.16,18,258.77,late_60_days,not_applicable,moderate_burden
Zambia,2024,rural,female,68,55+,lowest,tertiary,employed_informal,130.84,3,none,0,238,1,family_friends,353.84,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2025,urban,female,59,55+,middle,none,farmer,192.23,7,excellent,1,155,1,commercial_bank,6791.55,guarantor,education,1,6186.51,0.212,18,416.57,current,not_applicable,moderate_burden
DRC,2020,urban,male,42,35-44,second,primary,unemployed,32.3,2,none,1,94,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,20,18-24,second,tertiary,employed_informal,80.89,9,limited,1,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,34,25-34,middle,secondary,employed_formal,140.46,10,good,1,843,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,female,27,25-34,middle,none,employed_formal,230.74,6,limited,0,38,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,29,25-34,second,none,self_employed,498.77,10,excellent,1,829,1,digital_lender,1759.72,property,education,1,1565.2,0.415,18,123.02,current,not_applicable,moderate_burden
DRC,2024,rural,female,45,35-44,lowest,tertiary,employed_informal,18.35,6,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,male,23,18-24,fourth,tertiary,employed_formal,266.91,8,limited,1,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,male,18,18-24,second,none,self_employed,216.73,1,none,0,395,1,informal_lender,5047.01,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2019,urban,female,53,45-54,middle,secondary,farmer,160.95,10,none,0,0,1,informal_lender,3299.45,property,education,1,2645.76,0.796,24,198.04,paid_off,not_applicable,moderate_burden
DRC,2020,rural,male,60,55+,middle,secondary,self_employed,116.95,2,none,1,712,1,sacco,6075.11,equipment,business,1,5422.64,0.348,12,609.14,current,not_applicable,moderate_burden
South Africa,2024,rural,female,44,35-44,middle,tertiary,employed_informal,202.18,4,none,0,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,67,55+,lowest,tertiary,self_employed,57.5,9,none,1,444,1,microfinance,3363.49,none,consumption,1,2794.17,0.29,12,300.47,late_60_days,not_applicable,moderate_burden
Nigeria,2025,rural,female,36,35-44,second,secondary,unemployed,132.62,1,limited,1,805,1,commercial_bank,5274.74,property,consumption,1,4284.8,0.188,18,282.76,paid_off,not_applicable,moderate_burden
South Africa,2019,rural,male,64,55+,second,primary,farmer,54.79,5,none,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,40,35-44,highest,primary,employed_informal,217.54,9,none,0,123,1,family_friends,4388.71,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2020,urban,male,65,55+,second,secondary,self_employed,235.16,9,limited,0,298,1,family_friends,7031.8,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2023,rural,male,20,18-24,fourth,none,self_employed,380.06,5,limited,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,58,55+,second,none,self_employed,19.63,5,none,0,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,52,45-54,second,tertiary,self_employed,69.66,2,none,0,641,1,commercial_bank,1368.7,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2024,rural,female,25,18-24,second,primary,employed_formal,112.8,10,none,0,95,1,microfinance,1836.87,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2019,urban,female,30,25-34,highest,secondary,unemployed,1328.94,3,limited,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,30,25-34,middle,secondary,self_employed,252.98,3,none,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,39,35-44,middle,secondary,self_employed,134.63,10,none,0,615,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,48,45-54,fourth,secondary,employed_informal,164.72,6,limited,1,442,1,digital_lender,9294.04,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2020,rural,female,65,55+,highest,primary,employed_informal,777.06,4,good,0,830,1,microfinance,3015.42,none,consumption,1,2638.38,0.342,6,590.2,current,not_applicable,moderate_burden
Ghana,2018,rural,female,61,55+,lowest,tertiary,self_employed,61.4,4,excellent,0,784,1,commercial_bank,4027.49,equipment,asset_purchase,1,3823.36,0.18,24,188.04,current,not_applicable,moderate_burden
DRC,2024,rural,male,37,35-44,second,primary,employed_formal,91.41,5,none,0,268,1,digital_lender,3809.49,none,business,1,3782.54,0.463,6,922.46,late_30_days,not_applicable,moderate_burden
Mozambique,2018,rural,female,19,18-24,lowest,primary,self_employed,52.72,5,limited,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,male,44,35-44,fourth,none,farmer,264.65,10,excellent,1,650,1,commercial_bank,2737.83,none,education,1,2215.6,0.133,12,209.15,paid_off,not_applicable,moderate_burden
Rwanda,2018,urban,female,49,45-54,highest,primary,employed_informal,2322.33,10,none,0,585,1,family_friends,5340.83,guarantor,agriculture,1,5316.83,0.028,24,227.82,current,not_applicable,moderate_burden
DRC,2018,urban,female,29,25-34,middle,secondary,employed_formal,535.44,9,limited,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,65,55+,second,secondary,self_employed,232.44,10,limited,0,94,1,employer,4136.3,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,urban,male,24,18-24,second,secondary,farmer,300.91,9,none,0,415,1,microfinance,10018.55,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2024,urban,female,56,55+,middle,primary,farmer,1190.68,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,56,55+,lowest,tertiary,employed_informal,86.73,2,good,0,624,1,commercial_bank,4037.3,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2024,urban,male,41,35-44,second,secondary,unemployed,290.53,1,limited,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,male,61,55+,fourth,secondary,employed_informal,652.35,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,female,22,18-24,fourth,tertiary,self_employed,175.4,6,limited,1,228,1,sacco,3930.65,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2021,urban,female,20,18-24,highest,none,farmer,730.37,6,limited,1,287,1,commercial_bank,8583.58,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Senegal,2025,rural,male,23,18-24,fourth,none,self_employed,349.23,2,none,1,16,1,digital_lender,3507.87,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2018,rural,male,41,35-44,fourth,primary,farmer,616.47,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,49,45-54,lowest,tertiary,employed_informal,43.39,7,good,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,30,25-34,highest,secondary,unemployed,136.38,3,none,1,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,female,59,55+,second,secondary,self_employed,139.72,7,none,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,female,67,55+,lowest,none,employed_informal,107.02,2,none,0,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,female,45,35-44,highest,primary,self_employed,390.71,7,none,1,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,41,35-44,second,none,employed_informal,250.48,1,limited,1,595,1,digital_lender,2157.44,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2019,rural,female,29,25-34,highest,secondary,employed_formal,182.38,6,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,31,25-34,lowest,secondary,farmer,50.9,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,female,43,35-44,second,primary,farmer,239.72,5,excellent,1,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,25,18-24,second,primary,self_employed,81.05,3,limited,0,736,1,sacco,1850.8,guarantor,asset_purchase,1,1731.38,0.315,6,379.43,late_60_days,not_applicable,moderate_burden
Nigeria,2025,urban,male,56,55+,fourth,primary,self_employed,389.48,10,none,0,732,1,family_friends,6003.79,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2020,urban,male,68,55+,fourth,secondary,employed_informal,387.33,1,good,0,825,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,32,25-34,fourth,primary,farmer,302.4,3,good,0,126,1,employer,6676.79,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2018,rural,female,41,35-44,fourth,tertiary,unemployed,127.55,1,limited,0,687,1,family_friends,1887.95,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2023,rural,female,27,25-34,middle,tertiary,self_employed,212.24,1,none,0,554,1,informal_lender,8017.72,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2019,urban,female,23,18-24,fourth,tertiary,farmer,277.0,3,limited,1,561,1,digital_lender,2908.02,savings,housing,1,2385.11,0.483,6,589.48,current,not_applicable,moderate_burden
Malawi,2025,urban,female,47,45-54,middle,none,employed_informal,490.45,3,good,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,female,30,25-34,lowest,none,self_employed,104.48,8,none,0,0,1,sacco,4088.36,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2025,rural,female,62,55+,fourth,none,employed_informal,280.5,2,none,1,658,1,commercial_bank,6524.06,property,education,1,5472.98,0.162,6,1059.61,current,not_applicable,moderate_burden
Mali,2024,urban,male,38,35-44,fourth,primary,employed_formal,507.61,10,good,1,608,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,male,30,25-34,highest,primary,farmer,565.72,1,none,0,843,1,informal_lender,5978.23,equipment,housing,1,5093.48,0.844,12,782.57,late_30_days,not_applicable,moderate_burden
Ethiopia,2024,urban,female,35,25-34,fourth,none,self_employed,541.42,5,none,1,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,41,35-44,highest,primary,employed_informal,523.46,9,none,0,667,1,digital_lender,2703.11,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
DRC,2021,rural,male,51,45-54,lowest,primary,employed_formal,95.12,4,none,0,563,1,digital_lender,2691.15,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2019,rural,male,40,35-44,highest,secondary,employed_formal,546.91,6,none,1,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,53,45-54,fourth,primary,employed_formal,188.77,8,limited,0,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,female,68,55+,highest,secondary,self_employed,2177.97,7,none,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,24,18-24,lowest,primary,employed_informal,45.55,3,none,0,429,1,family_friends,611.11,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2018,rural,female,44,35-44,lowest,secondary,employed_informal,79.51,1,none,0,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,21,18-24,middle,tertiary,self_employed,206.12,2,good,0,464,1,family_friends,2677.81,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2020,urban,male,39,35-44,lowest,none,employed_formal,160.29,10,none,0,641,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,57,55+,highest,secondary,employed_formal,1492.16,10,limited,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,63,55+,fourth,secondary,self_employed,175.45,10,none,1,579,1,microfinance,5647.67,guarantor,emergency,1,4646.87,0.367,24,264.63,current,not_applicable,moderate_burden
Kenya,2019,urban,male,40,35-44,highest,tertiary,employed_formal,1691.87,10,none,0,285,1,digital_lender,21971.96,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2025,urban,female,25,18-24,highest,secondary,self_employed,682.62,5,limited,1,138,1,commercial_bank,12059.28,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2020,rural,female,34,25-34,second,secondary,self_employed,91.37,10,none,0,360,1,informal_lender,4606.02,property,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2023,rural,male,27,25-34,second,tertiary,self_employed,53.87,8,limited,0,829,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,65,55+,middle,secondary,self_employed,183.38,9,none,0,311,1,digital_lender,3821.88,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2021,urban,female,52,45-54,fourth,primary,farmer,1165.46,10,limited,0,382,1,family_friends,4398.42,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2021,urban,female,44,35-44,second,primary,farmer,104.6,9,none,0,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,male,25,18-24,middle,primary,employed_informal,1677.63,8,none,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,50,45-54,second,primary,self_employed,204.24,9,none,1,636,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,52,45-54,fourth,none,unemployed,1032.42,3,good,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,61,55+,second,none,farmer,368.79,5,good,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,47,45-54,lowest,secondary,employed_informal,72.04,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,59,55+,fourth,secondary,employed_formal,151.81,7,none,1,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,49,45-54,second,none,farmer,202.15,7,limited,0,8,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,69,55+,highest,primary,self_employed,383.43,3,none,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,64,55+,middle,secondary,unemployed,388.61,3,limited,0,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,male,44,35-44,lowest,secondary,self_employed,68.38,9,limited,1,587,1,family_friends,2320.33,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2025,rural,female,44,35-44,lowest,primary,farmer,30.74,9,limited,0,265,1,digital_lender,2856.14,guarantor,agriculture,1,2654.0,0.47,18,216.71,late_60_days,not_applicable,moderate_burden
Rwanda,2024,urban,male,31,25-34,highest,secondary,employed_informal,888.72,4,limited,0,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,19,18-24,lowest,primary,employed_informal,72.71,7,none,0,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,male,69,55+,middle,secondary,unemployed,197.98,1,none,0,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,53,45-54,middle,primary,farmer,72.94,3,good,0,806,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,20,18-24,second,secondary,employed_formal,269.28,7,none,1,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,female,50,45-54,second,secondary,farmer,127.98,10,limited,0,209,1,microfinance,1866.92,savings,education,1,1686.4,0.313,24,92.26,late_30_days,not_applicable,moderate_burden
Malawi,2020,urban,male,54,45-54,second,primary,self_employed,288.43,6,limited,1,676,1,commercial_bank,4103.72,none,agriculture,1,3942.86,0.179,12,387.39,current,not_applicable,moderate_burden
Rwanda,2024,urban,female,35,25-34,second,primary,employed_informal,250.79,5,none,0,695,1,family_friends,1096.6,none,consumption,1,1084.08,0.036,24,46.79,current,not_applicable,moderate_burden
Ethiopia,2018,rural,male,30,25-34,middle,primary,employed_formal,427.8,4,none,0,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,male,58,55+,second,none,self_employed,402.26,1,limited,0,66,1,informal_lender,8474.74,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2018,rural,female,24,18-24,lowest,tertiary,self_employed,100.44,10,limited,1,415,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,54,45-54,fourth,secondary,employed_informal,340.11,8,limited,0,172,1,digital_lender,9226.04,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2022,urban,female,66,55+,lowest,secondary,farmer,47.82,10,good,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,male,43,35-44,lowest,secondary,farmer,156.19,6,limited,0,208,1,family_friends,1821.45,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2021,urban,male,45,35-44,second,secondary,employed_informal,217.8,3,limited,1,165,1,commercial_bank,7191.52,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2018,rural,male,64,55+,middle,secondary,employed_informal,150.54,1,limited,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,male,50,45-54,lowest,secondary,self_employed,62.61,7,none,0,0,1,microfinance,1616.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2024,urban,female,55,45-54,fourth,secondary,unemployed,448.68,3,excellent,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,male,22,18-24,second,primary,farmer,149.44,9,limited,0,670,1,digital_lender,2172.04,none,consumption,1,2103.96,0.415,12,248.16,current,not_applicable,moderate_burden
Ethiopia,2024,rural,female,46,45-54,lowest,tertiary,self_employed,79.54,6,limited,0,758,1,sacco,2168.21,guarantor,emergency,1,1982.26,0.326,24,109.53,current,not_applicable,moderate_burden
Tanzania,2022,rural,female,35,25-34,fourth,tertiary,unemployed,244.73,1,limited,0,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,33,25-34,highest,secondary,self_employed,2591.14,6,limited,0,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,male,45,35-44,highest,secondary,employed_informal,733.57,10,limited,0,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,27,25-34,second,primary,employed_formal,69.59,4,none,1,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,43,35-44,fourth,secondary,farmer,2269.24,4,good,1,769,1,commercial_bank,8033.33,none,emergency,1,7465.42,0.23,36,255.01,current,not_applicable,moderate_burden
Niger,2025,urban,male,20,18-24,second,tertiary,employed_informal,68.88,8,limited,1,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,24,18-24,lowest,primary,farmer,148.77,9,limited,1,528,1,family_friends,3750.83,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,rural,female,24,18-24,middle,secondary,self_employed,109.73,2,limited,1,848,1,commercial_bank,2506.66,savings,business,1,2195.72,0.16,18,141.51,late_30_days,not_applicable,moderate_burden
Mali,2022,rural,female,51,45-54,second,primary,employed_informal,148.56,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,62,55+,fourth,none,unemployed,680.49,1,none,0,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,male,54,45-54,second,secondary,unemployed,103.0,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,female,33,25-34,middle,primary,employed_informal,316.9,4,none,0,323,1,employer,5535.19,equipment,agriculture,1,5098.28,0.055,18,298.91,late_30_days,not_applicable,moderate_burden
Ghana,2022,urban,female,62,55+,fourth,secondary,farmer,825.16,2,none,0,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,male,25,18-24,highest,tertiary,farmer,265.6,10,good,1,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,male,57,55+,fourth,primary,employed_informal,385.31,8,excellent,0,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,57,55+,middle,tertiary,self_employed,57.28,9,none,1,604,1,microfinance,2042.76,equipment,emergency,1,1653.04,0.325,48,45.64,defaulted,not_applicable,moderate_burden
Niger,2019,urban,male,52,45-54,lowest,secondary,employed_informal,150.49,2,limited,0,537,1,family_friends,4080.09,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2020,rural,female,41,35-44,lowest,none,self_employed,44.94,10,none,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,female,25,18-24,highest,none,self_employed,427.95,3,none,0,818,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,55,45-54,highest,primary,unemployed,327.98,4,none,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,male,27,25-34,fourth,secondary,employed_informal,355.2,3,limited,1,87,1,family_friends,1809.53,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2023,rural,female,31,25-34,lowest,tertiary,unemployed,15.99,2,good,0,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,60,55+,lowest,none,farmer,99.54,6,limited,0,789,1,sacco,3666.3,none,consumption,1,3633.33,0.319,48,99.81,late_30_days,not_applicable,moderate_burden
Nigeria,2022,urban,male,52,45-54,lowest,none,self_employed,234.01,8,excellent,0,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,31,25-34,fourth,primary,self_employed,382.81,4,none,1,474,1,family_friends,12721.55,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ghana,2023,urban,female,41,35-44,lowest,secondary,farmer,149.32,1,none,1,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,male,33,25-34,highest,primary,unemployed,415.48,4,none,0,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,35,25-34,fourth,tertiary,employed_informal,463.7,6,good,0,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,urban,female,35,25-34,lowest,secondary,employed_informal,66.17,1,none,1,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,67,55+,second,secondary,self_employed,147.09,2,none,1,314,1,commercial_bank,8248.75,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2018,rural,male,37,35-44,fourth,none,self_employed,141.58,9,none,1,281,1,sacco,6547.76,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2019,rural,female,24,18-24,highest,none,self_employed,299.29,9,limited,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,45,35-44,lowest,tertiary,employed_formal,95.96,4,good,1,806,1,digital_lender,1694.33,none,agriculture,1,1384.11,0.457,36,56.01,current,not_applicable,moderate_burden
Tanzania,2024,rural,male,36,35-44,second,secondary,employed_formal,145.44,10,none,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,66,55+,highest,secondary,employed_informal,1150.65,3,good,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,28,25-34,fourth,primary,employed_informal,519.67,8,none,0,344,1,microfinance,4780.54,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2023,rural,female,54,45-54,second,none,self_employed,146.97,1,limited,0,827,1,family_friends,1249.69,none,agriculture,1,1188.75,0.037,24,51.37,current,not_applicable,moderate_burden
Niger,2025,rural,female,29,25-34,middle,none,self_employed,173.12,9,none,1,218,1,family_friends,4113.79,none,business,1,3332.15,0.082,48,75.14,current,not_applicable,moderate_burden
Mali,2018,urban,female,64,55+,middle,primary,self_employed,246.33,7,good,1,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,32,25-34,middle,none,self_employed,209.39,2,none,0,735,1,family_friends,9400.59,none,business,1,9130.94,0.099,12,836.28,paid_off,not_applicable,moderate_burden
Ghana,2019,rural,male,46,45-54,second,primary,self_employed,38.48,2,good,1,540,1,informal_lender,1478.91,guarantor,emergency,1,1429.1,0.777,12,211.59,current,not_applicable,moderate_burden
Mozambique,2020,urban,male,43,35-44,highest,tertiary,unemployed,393.43,3,limited,1,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,64,55+,highest,none,employed_informal,1588.37,6,limited,1,823,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,39,35-44,second,tertiary,employed_informal,85.76,7,excellent,0,541,1,family_friends,4235.33,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2022,urban,female,42,35-44,middle,none,unemployed,639.56,1,none,0,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,male,24,18-24,middle,primary,farmer,393.43,8,good,0,699,1,informal_lender,3903.6,none,business,1,3152.97,0.764,36,154.49,current,not_applicable,moderate_burden
Kenya,2021,rural,female,39,35-44,lowest,primary,unemployed,39.21,1,limited,0,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,31,25-34,fourth,primary,employed_formal,155.71,9,limited,0,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,male,28,25-34,middle,primary,employed_informal,115.71,4,none,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,39,35-44,second,secondary,unemployed,85.32,1,limited,1,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,22,18-24,lowest,secondary,self_employed,68.13,5,none,0,363,1,informal_lender,5304.4,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2020,rural,male,40,35-44,fourth,primary,farmer,266.89,8,good,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,69,55+,lowest,secondary,unemployed,78.17,1,limited,0,337,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,female,33,25-34,fourth,none,farmer,471.94,7,none,1,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,59,55+,second,tertiary,employed_informal,148.51,4,limited,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,46,45-54,middle,primary,employed_formal,135.27,8,good,1,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,40,35-44,second,primary,employed_formal,174.6,4,none,0,32,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,male,69,55+,second,tertiary,self_employed,153.78,4,good,1,281,1,commercial_bank,4418.91,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2018,urban,female,53,45-54,highest,none,farmer,1998.6,9,limited,1,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,66,55+,fourth,none,farmer,174.38,4,limited,1,96,1,microfinance,12128.12,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2021,rural,male,26,25-34,middle,primary,farmer,153.64,2,excellent,0,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,female,50,45-54,second,none,farmer,199.47,10,none,1,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,rural,male,29,25-34,second,secondary,farmer,189.51,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,55,45-54,lowest,secondary,self_employed,25.51,10,none,1,44,1,commercial_bank,5184.98,none,business,1,4710.41,0.206,12,473.3,current,not_applicable,moderate_burden
DRC,2023,urban,female,46,45-54,lowest,secondary,self_employed,87.06,4,good,1,431,1,microfinance,3216.11,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2023,urban,male,65,55+,highest,none,employed_formal,337.37,9,none,1,449,1,microfinance,6234.43,equipment,business,1,5609.49,0.333,12,623.14,current,not_applicable,moderate_burden
Malawi,2024,urban,female,68,55+,fourth,secondary,farmer,562.46,4,none,1,0,1,family_friends,10127.19,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2021,rural,female,54,45-54,second,secondary,farmer,62.75,6,none,0,130,1,family_friends,3305.23,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2023,urban,female,22,18-24,lowest,primary,farmer,199.21,10,excellent,1,476,1,family_friends,4465.32,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2019,rural,female,46,45-54,second,none,unemployed,313.7,1,limited,0,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,female,28,25-34,fourth,primary,unemployed,688.05,2,limited,0,341,1,informal_lender,13351.54,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2023,rural,male,59,55+,middle,secondary,employed_informal,139.66,1,limited,0,713,1,informal_lender,3220.8,equipment,emergency,1,2978.42,0.849,12,459.02,current,not_applicable,moderate_burden
Mali,2024,urban,male,60,55+,lowest,primary,self_employed,160.37,3,none,1,624,1,microfinance,5465.36,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2022,rural,female,27,25-34,highest,secondary,farmer,2655.93,6,none,0,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,48,45-54,second,primary,unemployed,99.88,1,good,1,300,1,microfinance,2419.87,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2021,rural,female,37,35-44,middle,none,farmer,47.12,6,excellent,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,65,55+,second,primary,self_employed,347.15,1,limited,0,824,1,digital_lender,7889.62,none,education,1,7501.2,0.464,18,610.04,current,not_applicable,moderate_burden
Rwanda,2025,rural,male,30,25-34,second,secondary,employed_informal,88.07,6,limited,0,426,1,family_friends,2153.72,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ghana,2022,rural,male,24,18-24,highest,secondary,farmer,421.45,7,good,1,559,1,microfinance,3240.24,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Kenya,2019,rural,male,68,55+,middle,tertiary,farmer,150.66,6,limited,0,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,49,45-54,lowest,secondary,unemployed,50.73,1,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,30,25-34,lowest,none,farmer,42.18,8,none,1,492,1,informal_lender,2258.41,none,agriculture,1,1807.13,0.835,24,138.18,current,not_applicable,moderate_burden
Nigeria,2022,urban,male,26,25-34,middle,none,farmer,907.15,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,52,45-54,fourth,primary,farmer,217.47,3,none,0,548,1,informal_lender,4303.67,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,rural,female,65,55+,highest,secondary,farmer,1220.19,10,none,0,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,68,55+,lowest,none,employed_informal,68.73,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,20,18-24,highest,secondary,farmer,220.66,10,limited,0,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,male,69,55+,second,tertiary,farmer,388.83,10,none,1,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,female,54,45-54,second,primary,farmer,170.39,6,limited,1,424,1,digital_lender,1247.52,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2025,urban,male,31,25-34,middle,primary,self_employed,155.62,10,none,0,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,25,18-24,middle,none,employed_informal,564.43,10,limited,1,67,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,female,49,45-54,middle,none,farmer,399.18,2,limited,0,9,1,sacco,1532.04,none,agriculture,1,1477.42,0.353,6,333.1,current,not_applicable,moderate_burden
South Africa,2022,rural,female,52,45-54,fourth,secondary,employed_informal,292.57,7,limited,1,739,1,commercial_bank,4756.81,property,education,1,4407.44,0.165,24,213.89,current,not_applicable,moderate_burden
Mozambique,2021,urban,male,30,25-34,second,primary,unemployed,119.53,1,good,1,140,1,commercial_bank,1983.59,property,consumption,1,1938.13,0.204,6,388.87,current,not_applicable,moderate_burden
Niger,2025,urban,female,66,55+,middle,secondary,employed_informal,515.51,7,limited,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,male,43,35-44,middle,secondary,farmer,248.85,6,excellent,0,850,1,microfinance,5529.38,none,housing,1,4459.55,0.314,18,325.59,current,not_applicable,moderate_burden
Nigeria,2024,rural,male,59,55+,lowest,primary,farmer,63.79,1,none,1,664,1,commercial_bank,2919.4,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Niger,2020,rural,male,24,18-24,second,tertiary,farmer,266.18,10,none,1,638,1,commercial_bank,9604.12,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2020,rural,male,26,25-34,second,secondary,unemployed,54.22,4,none,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,59,55+,lowest,none,self_employed,35.45,6,none,0,482,1,microfinance,5998.39,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2018,urban,male,47,45-54,fourth,primary,self_employed,192.32,1,none,1,619,1,microfinance,2241.95,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2018,rural,female,58,55+,highest,secondary,self_employed,455.11,10,limited,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,46,45-54,fourth,primary,employed_informal,274.65,3,good,0,636,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,46,45-54,lowest,primary,farmer,48.62,2,good,1,514,1,informal_lender,3184.5,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2025,urban,female,43,35-44,fourth,primary,unemployed,554.33,3,none,0,159,1,microfinance,4371.52,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2018,rural,male,56,55+,lowest,none,self_employed,37.0,7,limited,0,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,18,18-24,lowest,secondary,employed_informal,72.75,6,good,0,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,22,18-24,fourth,primary,self_employed,263.86,2,none,1,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,31,25-34,lowest,secondary,farmer,53.43,6,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,37,35-44,second,secondary,self_employed,144.95,1,limited,0,87,1,informal_lender,3534.56,guarantor,consumption,1,3023.3,0.784,24,224.76,paid_off,not_applicable,moderate_burden
Ghana,2022,urban,male,44,35-44,fourth,primary,employed_formal,406.6,8,none,0,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,46,45-54,highest,tertiary,employed_formal,2103.46,7,none,1,206,1,commercial_bank,9244.52,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2024,urban,male,35,25-34,second,primary,employed_informal,167.24,5,limited,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,47,45-54,lowest,primary,unemployed,171.18,3,none,0,449,1,microfinance,4600.57,none,housing,1,3855.3,0.363,6,875.78,late_30_days,not_applicable,moderate_burden
Ethiopia,2022,rural,female,20,18-24,second,secondary,employed_informal,177.62,10,limited,0,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,40,35-44,fourth,tertiary,self_employed,173.55,7,limited,1,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,39,35-44,fourth,none,employed_informal,556.39,3,good,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,57,55+,middle,primary,unemployed,1808.23,1,none,0,230,1,family_friends,3714.61,property,business,1,3472.16,0.062,36,102.44,late_30_days,not_applicable,moderate_burden
Nigeria,2021,rural,female,28,25-34,lowest,tertiary,employed_informal,132.29,6,limited,1,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,25,18-24,lowest,primary,employed_informal,20.75,9,none,1,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,42,35-44,highest,secondary,farmer,608.18,4,none,0,419,1,family_friends,6836.39,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Zambia,2024,rural,female,37,35-44,lowest,none,employed_informal,88.13,2,limited,0,276,1,informal_lender,3029.78,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,rural,female,54,45-54,middle,primary,employed_informal,152.9,4,none,0,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,39,35-44,fourth,primary,farmer,115.81,9,none,0,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,51,45-54,fourth,secondary,unemployed,306.6,4,limited,0,416,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,28,25-34,second,secondary,farmer,61.77,1,none,1,66,1,commercial_bank,1952.18,property,agriculture,1,1656.39,0.164,36,53.56,current,not_applicable,moderate_burden
Ethiopia,2022,rural,female,51,45-54,fourth,primary,employed_informal,241.53,4,none,0,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,47,45-54,lowest,none,employed_informal,57.4,6,good,0,677,1,informal_lender,8227.15,guarantor,agriculture,1,8017.38,0.842,48,307.67,paid_off,not_applicable,moderate_burden
South Africa,2020,urban,female,20,18-24,second,primary,self_employed,354.59,9,good,1,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,64,55+,lowest,secondary,employed_formal,466.0,5,limited,1,172,1,commercial_bank,1954.35,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2025,urban,female,42,35-44,fourth,primary,self_employed,315.09,6,good,1,543,1,sacco,4415.15,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2023,rural,male,54,45-54,second,tertiary,unemployed,128.75,1,none,0,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,42,35-44,middle,primary,self_employed,483.29,7,good,0,449,1,family_friends,4913.62,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2019,rural,female,66,55+,second,secondary,unemployed,139.76,5,limited,1,80,1,commercial_bank,2712.99,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2025,rural,male,55,45-54,lowest,secondary,self_employed,50.11,7,none,1,485,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,64,55+,lowest,none,self_employed,73.04,1,limited,0,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,52,45-54,lowest,none,self_employed,23.52,7,none,1,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,female,32,25-34,highest,tertiary,farmer,1277.61,10,excellent,1,540,1,digital_lender,4180.6,savings,agriculture,1,3356.96,0.414,24,197.72,paid_off,not_applicable,moderate_burden
Rwanda,2018,rural,male,46,45-54,highest,primary,farmer,477.94,8,limited,0,617,1,sacco,1250.79,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2023,rural,female,59,55+,lowest,primary,employed_informal,243.41,9,limited,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,51,45-54,lowest,secondary,employed_formal,15.89,10,good,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,63,55+,lowest,none,self_employed,119.02,4,limited,1,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,60,55+,middle,secondary,self_employed,600.85,2,none,0,487,1,family_friends,3670.64,vehicle,agriculture,1,3525.49,0.003,24,147.3,late_60_days,not_applicable,moderate_burden
DRC,2023,rural,male,50,45-54,middle,none,self_employed,110.65,7,good,0,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,female,67,55+,lowest,primary,self_employed,172.09,5,none,0,516,1,sacco,2435.99,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2025,urban,male,58,55+,lowest,primary,employed_formal,112.24,8,none,0,0,1,digital_lender,2837.49,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2022,urban,male,20,18-24,middle,primary,self_employed,324.12,9,good,1,94,1,family_friends,4579.63,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2018,rural,female,62,55+,fourth,tertiary,employed_formal,118.98,8,none,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,20,18-24,second,secondary,self_employed,139.14,4,good,0,230,1,informal_lender,3906.71,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2020,rural,male,44,35-44,highest,none,self_employed,1237.14,10,none,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,male,21,18-24,second,tertiary,employed_informal,40.33,10,limited,0,79,1,informal_lender,2894.06,property,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Zambia,2022,urban,female,21,18-24,lowest,secondary,farmer,82.52,5,none,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,male,67,55+,middle,secondary,farmer,102.52,5,none,0,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,37,35-44,lowest,secondary,employed_formal,174.79,6,good,1,522,1,informal_lender,2781.92,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2020,rural,male,50,45-54,second,secondary,self_employed,178.05,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,38,35-44,lowest,tertiary,self_employed,95.46,6,none,1,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,42,35-44,second,secondary,farmer,139.23,1,none,0,262,1,microfinance,2989.97,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2018,rural,male,25,18-24,lowest,primary,farmer,41.01,7,limited,1,558,1,commercial_bank,2447.66,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2025,urban,female,31,25-34,lowest,tertiary,unemployed,73.72,3,limited,0,766,1,family_friends,2014.42,none,business,1,2004.8,0.066,12,178.1,current,not_applicable,moderate_burden
Mali,2020,urban,female,36,35-44,fourth,primary,self_employed,1636.8,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,female,59,55+,second,none,employed_formal,81.35,10,good,0,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,19,18-24,second,secondary,self_employed,477.15,4,limited,0,202,1,family_friends,7147.48,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,rural,female,67,55+,lowest,none,employed_formal,22.92,10,none,1,318,1,commercial_bank,3867.25,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2018,rural,female,57,55+,middle,secondary,self_employed,174.07,1,limited,1,226,1,microfinance,3168.84,property,consumption,1,3028.35,0.362,12,343.59,current,not_applicable,moderate_burden
Ethiopia,2024,urban,male,47,45-54,fourth,none,self_employed,469.1,5,none,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,41,35-44,highest,primary,self_employed,3662.54,4,good,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,40,35-44,lowest,none,self_employed,60.32,7,none,0,303,1,informal_lender,1674.3,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,rural,female,50,45-54,second,tertiary,employed_informal,191.06,10,limited,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,28,25-34,fourth,none,farmer,570.99,6,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,31,25-34,second,primary,employed_informal,128.39,6,limited,1,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,31,25-34,second,none,employed_formal,295.67,10,none,0,568,1,family_friends,11526.05,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2025,urban,female,37,35-44,middle,secondary,employed_informal,326.13,7,none,0,180,1,family_friends,2499.04,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2020,rural,male,36,35-44,fourth,primary,unemployed,345.79,1,none,1,450,1,commercial_bank,4343.39,guarantor,business,1,4240.69,0.157,18,272.54,current,not_applicable,moderate_burden
South Africa,2024,urban,female,54,45-54,lowest,secondary,unemployed,19.12,3,good,1,468,1,microfinance,2703.03,savings,agriculture,1,2182.8,0.348,12,245.25,late_30_days,not_applicable,moderate_burden
Mali,2024,rural,male,56,55+,lowest,none,farmer,142.19,7,none,1,195,1,commercial_bank,3518.34,none,agriculture,1,3033.51,0.169,24,147.73,late_30_days,not_applicable,moderate_burden
Rwanda,2019,rural,female,61,55+,lowest,primary,employed_informal,46.93,7,limited,1,594,1,microfinance,3736.08,savings,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2021,urban,male,42,35-44,fourth,tertiary,farmer,1094.88,1,limited,0,706,1,microfinance,14524.42,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2025,urban,female,54,45-54,second,primary,unemployed,482.36,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,69,55+,highest,tertiary,farmer,306.63,4,none,1,795,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,53,45-54,fourth,primary,self_employed,363.91,10,none,0,203,1,sacco,2931.64,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2025,rural,male,36,35-44,highest,primary,employed_informal,155.82,2,none,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,female,59,55+,fourth,primary,self_employed,187.59,2,none,0,39,1,microfinance,7422.88,savings,debt_consolidation,1,7032.17,0.362,12,797.87,current,not_applicable,moderate_burden
Ghana,2018,rural,female,61,55+,second,secondary,self_employed,51.23,3,limited,1,278,1,employer,1681.92,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2018,urban,male,69,55+,fourth,primary,self_employed,174.67,8,none,1,745,1,sacco,2137.66,none,business,1,1953.17,0.352,12,220.02,current,not_applicable,moderate_burden
Ethiopia,2022,rural,male,68,55+,fourth,secondary,unemployed,225.05,3,excellent,1,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,male,44,35-44,fourth,secondary,employed_informal,2052.93,5,good,1,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,38,35-44,second,none,self_employed,96.79,4,limited,1,597,1,family_friends,1905.22,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2022,urban,female,49,45-54,lowest,secondary,farmer,97.64,3,none,0,477,1,digital_lender,1257.14,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2023,urban,female,39,35-44,lowest,secondary,unemployed,161.95,4,good,0,651,1,microfinance,3269.33,none,consumption,1,2685.19,0.341,6,600.06,current,not_applicable,moderate_burden
Nigeria,2020,urban,male,28,25-34,lowest,tertiary,employed_informal,47.62,10,limited,0,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,female,36,35-44,middle,secondary,unemployed,365.81,5,limited,1,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,28,25-34,middle,primary,farmer,352.36,7,none,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,56,55+,second,secondary,farmer,426.18,4,none,0,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,57,55+,fourth,none,farmer,214.66,3,none,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,male,59,55+,fourth,tertiary,unemployed,727.67,3,good,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,55,45-54,middle,none,employed_informal,359.52,10,none,1,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,male,28,25-34,second,primary,farmer,117.29,7,limited,1,145,1,family_friends,6032.18,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Kenya,2023,rural,female,23,18-24,lowest,primary,unemployed,48.71,1,limited,1,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,63,55+,fourth,secondary,self_employed,828.58,6,none,1,321,1,sacco,2535.81,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2018,urban,male,66,55+,highest,secondary,employed_informal,578.52,5,limited,1,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,69,55+,lowest,none,employed_formal,13.74,10,none,1,111,1,microfinance,5146.6,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2025,urban,female,22,18-24,fourth,secondary,self_employed,823.02,4,good,1,811,1,sacco,8114.19,guarantor,agriculture,1,7703.61,0.299,6,1668.07,defaulted,not_applicable,moderate_burden
Mali,2025,rural,female,22,18-24,lowest,primary,unemployed,147.27,2,limited,0,803,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,male,20,18-24,lowest,primary,unemployed,75.69,4,limited,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,51,45-54,fourth,none,self_employed,322.96,3,none,0,622,1,digital_lender,7351.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2018,rural,male,21,18-24,lowest,secondary,self_employed,63.49,7,limited,1,98,1,microfinance,6993.03,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2024,urban,male,34,25-34,second,none,unemployed,123.35,1,none,1,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,female,23,18-24,lowest,tertiary,farmer,83.61,2,limited,1,605,1,microfinance,6826.5,guarantor,business,1,5503.41,0.368,36,209.08,current,not_applicable,moderate_burden
Kenya,2023,rural,female,57,55+,second,secondary,farmer,202.17,3,none,1,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,male,55,45-54,lowest,secondary,farmer,23.33,7,none,0,61,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,65,55+,middle,secondary,employed_informal,565.56,4,limited,1,522,1,commercial_bank,14825.48,savings,business,1,13968.99,0.201,18,932.13,current,not_applicable,moderate_burden
Mali,2025,rural,female,57,55+,middle,primary,employed_formal,191.8,7,none,1,557,1,digital_lender,3600.91,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2018,rural,female,22,18-24,highest,primary,farmer,607.73,9,limited,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,male,60,55+,lowest,primary,farmer,36.65,7,limited,0,106,1,sacco,2015.08,equipment,emergency,1,1700.66,0.295,36,61.17,paid_off,not_applicable,moderate_burden
Senegal,2024,rural,female,66,55+,second,secondary,employed_informal,249.26,4,limited,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,27,25-34,lowest,secondary,employed_formal,58.0,6,limited,1,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,female,60,55+,middle,primary,farmer,98.4,3,none,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,female,22,18-24,highest,tertiary,employed_formal,966.3,8,good,0,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,69,55+,fourth,primary,employed_informal,437.13,4,limited,0,410,1,microfinance,13171.89,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2025,rural,female,36,35-44,second,primary,employed_informal,114.2,2,limited,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,62,55+,lowest,tertiary,self_employed,99.47,1,none,0,502,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,30,25-34,second,primary,farmer,305.96,9,limited,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,62,55+,middle,secondary,farmer,70.57,10,none,0,264,1,employer,4475.87,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2019,urban,female,29,25-34,middle,none,self_employed,340.77,10,none,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,21,18-24,fourth,none,employed_informal,1030.08,4,limited,0,691,1,informal_lender,8516.18,guarantor,emergency,1,7873.72,0.795,12,1177.46,late_30_days,not_applicable,moderate_burden
DRC,2020,rural,male,58,55+,second,primary,employed_formal,70.49,5,good,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,urban,male,43,35-44,second,primary,employed_informal,109.65,5,limited,1,260,1,microfinance,3321.85,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2019,urban,female,29,25-34,middle,secondary,self_employed,233.21,5,none,1,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,58,55+,middle,none,employed_informal,282.89,8,limited,0,728,1,family_friends,3321.42,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2019,urban,female,24,18-24,lowest,secondary,farmer,167.91,10,limited,0,457,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,68,55+,lowest,primary,unemployed,49.64,2,excellent,1,850,1,digital_lender,2611.64,guarantor,business,1,2489.09,0.436,48,74.48,late_60_days,not_applicable,moderate_burden
Malawi,2021,urban,female,40,35-44,middle,primary,unemployed,148.4,1,none,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,male,44,35-44,fourth,primary,farmer,176.8,6,limited,1,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,41,35-44,lowest,secondary,employed_informal,131.09,3,none,0,359,1,family_friends,4426.28,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2020,urban,female,42,35-44,highest,secondary,self_employed,966.77,2,none,1,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,63,55+,fourth,none,employed_informal,363.41,9,none,0,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,male,32,25-34,second,secondary,farmer,247.1,4,none,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,46,45-54,lowest,secondary,self_employed,68.0,4,good,0,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,male,22,18-24,middle,none,employed_formal,251.9,4,good,0,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,female,39,35-44,second,primary,unemployed,125.37,6,limited,1,395,1,digital_lender,1228.29,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2025,rural,female,61,55+,middle,secondary,farmer,74.51,7,good,1,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,50,45-54,second,primary,farmer,201.14,5,limited,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,urban,male,66,55+,second,primary,employed_formal,43.97,9,excellent,0,460,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,32,25-34,lowest,tertiary,employed_informal,115.48,6,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,male,30,25-34,second,none,self_employed,56.45,9,none,1,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,38,35-44,middle,primary,employed_informal,109.44,3,limited,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,58,55+,middle,tertiary,employed_informal,76.08,8,none,0,122,1,microfinance,10668.86,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2020,rural,male,41,35-44,second,secondary,farmer,319.03,7,none,0,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,male,63,55+,lowest,none,employed_informal,20.9,1,none,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,38,35-44,highest,secondary,employed_formal,179.87,8,none,0,760,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,39,35-44,fourth,tertiary,employed_formal,285.21,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,50,45-54,highest,secondary,self_employed,394.25,10,good,0,743,1,informal_lender,9645.68,none,debt_consolidation,1,7886.03,0.78,12,1169.81,paid_off,not_applicable,moderate_burden
Rwanda,2018,rural,female,55,45-54,highest,secondary,employed_informal,1016.56,1,limited,0,786,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,61,55+,fourth,none,employed_informal,501.91,9,limited,0,203,1,commercial_bank,8671.32,none,emergency,1,7519.1,0.151,12,721.01,current,not_applicable,moderate_burden
Ghana,2023,urban,female,19,18-24,middle,none,farmer,384.14,1,limited,1,635,1,commercial_bank,8035.71,none,agriculture,1,7869.69,0.186,18,518.42,paid_off,not_applicable,moderate_burden
Niger,2018,rural,female,36,35-44,second,secondary,self_employed,41.94,10,excellent,0,636,1,informal_lender,2393.84,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2019,rural,female,50,45-54,lowest,secondary,farmer,59.65,1,limited,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,20,18-24,highest,secondary,unemployed,880.28,5,none,1,447,1,family_friends,8543.99,savings,education,1,7323.56,0.068,12,651.91,paid_off,not_applicable,moderate_burden
Uganda,2023,rural,female,18,18-24,middle,none,self_employed,229.21,5,limited,0,139,1,family_friends,4586.4,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2023,rural,female,34,25-34,fourth,secondary,employed_informal,289.5,10,limited,0,848,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,53,45-54,fourth,none,farmer,359.07,4,good,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,19,18-24,middle,secondary,farmer,312.44,10,none,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,female,33,25-34,lowest,none,employed_informal,157.24,6,good,1,751,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,54,45-54,fourth,secondary,employed_informal,364.9,1,none,1,556,1,microfinance,7317.26,none,business,1,6396.32,0.31,48,174.59,current,not_applicable,moderate_burden
Senegal,2019,rural,male,43,35-44,middle,none,employed_informal,83.11,5,excellent,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,female,32,25-34,middle,none,self_employed,78.7,4,none,1,234,1,microfinance,7221.17,property,consumption,1,6166.75,0.271,12,653.07,late_30_days,not_applicable,moderate_burden
Ghana,2022,rural,female,69,55+,middle,primary,self_employed,42.35,6,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,male,66,55+,highest,secondary,self_employed,1745.82,3,limited,1,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,male,27,25-34,highest,primary,employed_informal,631.93,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,33,25-34,lowest,secondary,self_employed,41.57,4,limited,0,680,1,commercial_bank,1282.32,none,consumption,1,1212.93,0.185,6,239.59,current,not_applicable,moderate_burden
Nigeria,2021,rural,female,63,55+,fourth,secondary,self_employed,868.06,2,none,0,26,1,family_friends,12029.18,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2019,rural,male,61,55+,lowest,secondary,farmer,153.72,7,none,0,521,1,employer,12343.37,guarantor,asset_purchase,1,10878.26,0.004,36,303.24,current,not_applicable,moderate_burden
Rwanda,2023,rural,male,23,18-24,fourth,tertiary,self_employed,356.77,9,none,1,619,1,sacco,31199.62,none,consumption,1,26030.19,0.287,18,1861.51,current,not_applicable,moderate_burden
Senegal,2025,rural,female,37,35-44,fourth,primary,self_employed,490.14,10,none,0,580,1,sacco,7245.28,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,rural,female,63,55+,middle,primary,farmer,140.07,5,limited,1,497,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,35,25-34,second,tertiary,self_employed,96.1,9,none,0,542,1,microfinance,3156.73,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2024,rural,male,46,45-54,lowest,primary,employed_formal,17.11,7,limited,0,191,1,informal_lender,1743.43,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2018,urban,female,42,35-44,middle,tertiary,employed_informal,381.49,7,good,0,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,female,64,55+,middle,secondary,unemployed,346.71,1,none,0,377,1,informal_lender,11601.16,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2020,rural,female,46,45-54,highest,secondary,self_employed,837.15,2,limited,0,549,1,digital_lender,5318.23,guarantor,asset_purchase,1,4366.94,0.453,12,528.78,late_30_days,not_applicable,moderate_burden
DRC,2025,urban,male,59,55+,highest,primary,self_employed,5111.98,5,none,0,275,1,sacco,14999.58,vehicle,debt_consolidation,1,14935.38,0.298,18,1076.98,paid_off,not_applicable,moderate_burden
Mozambique,2024,rural,male,66,55+,middle,primary,unemployed,203.52,1,none,0,496,1,informal_lender,3378.07,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2018,rural,male,21,18-24,second,tertiary,farmer,112.07,8,none,0,328,1,family_friends,2641.51,guarantor,asset_purchase,1,2467.23,0.055,24,108.46,defaulted,not_applicable,moderate_burden
Malawi,2024,rural,female,53,45-54,fourth,secondary,self_employed,305.5,8,limited,0,821,1,sacco,2217.41,equipment,asset_purchase,1,2004.76,0.349,6,450.59,defaulted,not_applicable,moderate_burden
Kenya,2025,urban,male,60,55+,fourth,tertiary,self_employed,650.21,9,good,0,539,1,sacco,3581.5,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2022,rural,female,49,45-54,fourth,tertiary,employed_formal,181.17,9,limited,1,78,1,digital_lender,6966.86,property,agriculture,1,6370.71,0.488,18,526.6,current,not_applicable,moderate_burden
Malawi,2018,urban,male,18,18-24,highest,secondary,self_employed,603.02,10,limited,0,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,64,55+,highest,primary,employed_formal,137.15,4,none,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,62,55+,fourth,primary,unemployed,139.37,1,good,1,614,1,commercial_bank,9438.73,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2020,urban,female,46,45-54,middle,secondary,unemployed,364.4,4,limited,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,62,55+,lowest,primary,employed_informal,49.32,6,limited,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,32,25-34,fourth,primary,employed_informal,593.21,9,excellent,1,585,1,digital_lender,6302.56,guarantor,business,1,6289.45,0.498,24,392.65,late_60_days,not_applicable,moderate_burden
Ethiopia,2020,rural,male,39,35-44,lowest,secondary,self_employed,125.67,5,none,0,106,1,microfinance,5215.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2024,rural,female,23,18-24,second,secondary,farmer,132.43,7,none,0,0,1,informal_lender,4568.34,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2019,urban,male,56,55+,second,none,unemployed,225.96,3,none,0,673,1,family_friends,3010.34,guarantor,business,1,2502.64,0.085,36,75.46,late_30_days,not_applicable,moderate_burden
Tanzania,2020,rural,female,67,55+,middle,primary,self_employed,416.54,9,limited,1,830,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,55,45-54,middle,secondary,self_employed,396.7,8,none,1,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,58,55+,highest,tertiary,self_employed,940.69,5,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,male,27,25-34,lowest,primary,farmer,98.66,2,none,0,50,1,microfinance,3610.43,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2023,urban,male,35,25-34,lowest,none,self_employed,179.03,3,good,0,850,1,informal_lender,3436.72,none,housing,1,2755.93,0.828,12,419.91,late_30_days,not_applicable,moderate_burden
Mozambique,2025,urban,female,52,45-54,fourth,primary,farmer,903.3,1,none,1,0,1,employer,3612.97,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2023,rural,female,60,55+,highest,secondary,farmer,939.09,3,limited,0,645,1,microfinance,4020.18,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2019,urban,male,41,35-44,lowest,secondary,self_employed,244.92,10,good,1,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,64,55+,lowest,secondary,farmer,124.5,5,limited,0,118,1,informal_lender,2507.27,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2022,rural,female,62,55+,second,secondary,employed_formal,154.55,10,none,1,280,1,commercial_bank,9351.85,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2019,rural,male,66,55+,lowest,secondary,employed_informal,105.66,6,limited,0,221,1,informal_lender,2950.41,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,rural,female,51,45-54,lowest,primary,self_employed,116.02,3,none,1,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,35,25-34,fourth,secondary,unemployed,205.9,1,none,1,82,1,commercial_bank,2860.56,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2024,rural,male,39,35-44,fourth,secondary,farmer,645.28,4,limited,1,111,1,informal_lender,6308.91,none,consumption,1,6129.9,0.806,36,307.57,current,not_applicable,moderate_burden
DRC,2024,rural,male,55,45-54,middle,tertiary,farmer,72.03,5,none,1,173,1,commercial_bank,9448.12,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2024,urban,female,18,18-24,lowest,none,unemployed,93.76,1,none,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,22,18-24,middle,none,self_employed,327.81,4,good,1,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,37,35-44,highest,secondary,employed_informal,468.75,4,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,male,63,55+,middle,none,self_employed,295.35,8,excellent,1,803,1,commercial_bank,5005.63,guarantor,agriculture,1,4965.59,0.165,18,321.5,current,not_applicable,moderate_burden
Tanzania,2021,urban,female,46,45-54,middle,none,farmer,303.52,5,excellent,1,646,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,65,55+,lowest,none,farmer,28.14,2,none,0,474,1,family_friends,5021.38,equipment,housing,1,4662.31,0.055,12,409.86,current,not_applicable,moderate_burden
Mozambique,2021,rural,male,19,18-24,lowest,secondary,farmer,93.07,6,none,0,324,1,sacco,2504.29,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2018,rural,male,29,25-34,middle,none,employed_informal,558.02,9,good,0,392,1,informal_lender,9499.12,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2021,rural,male,58,55+,second,tertiary,unemployed,43.95,1,good,0,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,24,18-24,fourth,secondary,farmer,342.14,5,none,1,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,19,18-24,second,none,employed_informal,39.43,10,none,0,746,1,family_friends,2558.48,none,emergency,1,2507.53,0.028,18,143.27,current,not_applicable,moderate_burden
Mozambique,2019,rural,male,39,35-44,lowest,primary,self_employed,39.01,9,limited,1,677,1,employer,2555.4,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2025,rural,female,48,45-54,middle,primary,employed_informal,313.39,10,good,1,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,29,25-34,highest,none,self_employed,300.09,1,limited,0,652,1,digital_lender,4153.4,equipment,business,1,3796.15,0.408,12,445.41,current,not_applicable,moderate_burden
Mozambique,2021,urban,female,37,35-44,lowest,secondary,farmer,72.08,5,none,1,480,1,employer,2819.88,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2018,rural,male,18,18-24,highest,primary,unemployed,271.11,1,none,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,47,45-54,second,primary,employed_informal,93.25,10,excellent,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,25,18-24,highest,tertiary,self_employed,1313.17,6,none,1,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,male,18,18-24,fourth,primary,unemployed,681.15,1,good,0,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,38,35-44,middle,tertiary,unemployed,670.55,3,good,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,67,55+,highest,none,farmer,297.51,2,none,0,74,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,35,25-34,middle,primary,self_employed,307.63,2,none,1,184,1,sacco,7346.86,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2020,urban,female,67,55+,second,primary,self_employed,387.47,9,none,0,214,1,microfinance,10899.3,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2022,rural,male,26,25-34,lowest,secondary,farmer,83.46,9,none,0,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,20,18-24,fourth,none,self_employed,47.95,9,none,0,443,1,informal_lender,2322.89,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2019,urban,male,18,18-24,middle,none,self_employed,319.68,6,limited,1,417,1,commercial_bank,4410.75,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2018,rural,male,36,35-44,second,primary,employed_formal,160.56,5,none,1,598,1,digital_lender,1272.93,property,education,1,1235.33,0.457,36,49.99,current,not_applicable,moderate_burden
Niger,2019,rural,male,52,45-54,second,primary,employed_informal,354.45,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,47,45-54,middle,primary,farmer,164.01,2,good,0,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,49,45-54,lowest,secondary,employed_formal,73.09,10,excellent,1,850,1,informal_lender,3150.05,savings,asset_purchase,1,2942.45,0.798,24,220.47,current,not_applicable,moderate_burden
Mozambique,2018,rural,female,65,55+,lowest,tertiary,employed_formal,32.74,7,good,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,39,35-44,highest,secondary,unemployed,397.44,1,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,58,55+,middle,secondary,employed_formal,152.4,9,limited,1,674,1,commercial_bank,1345.5,property,agriculture,1,1199.16,0.131,12,113.06,current,not_applicable,moderate_burden
Ghana,2025,urban,female,61,55+,highest,secondary,farmer,1169.29,9,good,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,56,55+,second,none,self_employed,21.69,4,none,0,528,1,digital_lender,762.33,none,asset_purchase,1,660.73,0.476,6,162.59,current,not_applicable,moderate_burden
Malawi,2018,urban,female,62,55+,second,secondary,self_employed,96.04,3,limited,0,7,1,family_friends,6781.5,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2025,rural,female,25,18-24,second,secondary,self_employed,45.32,1,limited,1,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,67,55+,second,primary,farmer,129.12,2,none,0,42,1,informal_lender,7540.75,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2023,rural,male,25,18-24,middle,secondary,self_employed,184.28,10,none,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,47,45-54,second,primary,unemployed,110.7,1,none,1,0,1,digital_lender,4389.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2024,rural,female,45,35-44,second,none,self_employed,342.53,7,good,1,212,1,family_friends,10603.33,none,education,1,10574.22,0.003,12,883.97,current,not_applicable,moderate_burden
Kenya,2023,rural,male,23,18-24,second,secondary,self_employed,388.92,10,good,0,850,1,informal_lender,4956.89,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,urban,female,24,18-24,middle,secondary,farmer,310.82,9,good,0,406,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,female,19,18-24,lowest,tertiary,employed_informal,44.05,7,none,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,male,68,55+,middle,primary,farmer,394.73,2,none,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,22,18-24,lowest,primary,self_employed,278.71,6,good,0,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,51,45-54,middle,none,self_employed,303.25,10,limited,1,628,1,commercial_bank,3486.22,guarantor,business,1,2991.36,0.164,6,580.2,defaulted,not_applicable,moderate_burden
Uganda,2023,rural,male,43,35-44,fourth,primary,farmer,398.5,7,limited,1,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,urban,male,26,25-34,second,secondary,employed_formal,554.26,10,limited,0,487,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,54,45-54,lowest,primary,employed_formal,195.95,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,female,56,55+,highest,secondary,farmer,1012.11,1,none,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,30,25-34,middle,primary,farmer,238.91,6,none,1,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,female,58,55+,lowest,primary,self_employed,32.23,2,none,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,27,25-34,middle,primary,farmer,130.26,2,good,0,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,61,55+,lowest,primary,unemployed,51.05,1,limited,1,33,1,digital_lender,2293.54,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2022,rural,female,56,55+,middle,secondary,farmer,760.96,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,66,55+,highest,none,farmer,277.78,3,none,0,399,1,sacco,4942.09,guarantor,housing,1,3982.44,0.368,18,302.73,current,not_applicable,moderate_burden
Uganda,2023,rural,male,67,55+,middle,primary,self_employed,222.44,7,good,0,749,1,family_friends,3025.32,property,business,1,2477.43,0.008,18,138.73,late_30_days,not_applicable,moderate_burden
Malawi,2018,rural,female,52,45-54,lowest,secondary,self_employed,63.51,3,excellent,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,41,35-44,highest,primary,farmer,140.34,5,limited,1,620,1,family_friends,1460.36,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2025,rural,female,62,55+,middle,secondary,self_employed,103.0,8,excellent,1,410,1,microfinance,1633.45,guarantor,consumption,1,1309.44,0.323,12,144.41,current,not_applicable,moderate_burden
Mozambique,2021,urban,male,53,45-54,lowest,none,self_employed,153.18,1,none,0,102,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,44,35-44,highest,none,self_employed,2594.26,9,none,1,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,63,55+,highest,tertiary,self_employed,534.67,1,good,0,850,1,informal_lender,5146.43,property,consumption,1,4727.19,0.842,6,1451.56,current,not_applicable,moderate_burden
Tanzania,2018,urban,female,60,55+,lowest,primary,self_employed,112.79,5,none,1,352,1,microfinance,5029.48,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2021,rural,female,44,35-44,fourth,none,self_employed,2307.48,9,good,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,female,33,25-34,middle,primary,self_employed,324.9,6,none,0,697,1,employer,5610.88,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2018,rural,female,22,18-24,fourth,primary,employed_informal,254.05,1,none,0,1,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,64,55+,middle,tertiary,unemployed,214.56,1,limited,1,172,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,male,41,35-44,second,primary,employed_informal,132.71,1,none,1,650,1,family_friends,3435.98,none,business,1,3233.06,0.092,18,196.21,current,not_applicable,moderate_burden
Kenya,2020,urban,male,35,25-34,lowest,secondary,farmer,139.66,5,good,0,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,59,55+,second,primary,employed_informal,268.21,3,good,0,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,58,55+,lowest,tertiary,employed_informal,94.74,6,none,1,592,1,family_friends,16682.56,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2022,rural,female,44,35-44,lowest,secondary,self_employed,153.46,3,none,1,369,1,commercial_bank,2513.0,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2021,urban,female,41,35-44,middle,none,self_employed,161.77,5,none,0,388,1,family_friends,2652.1,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2019,rural,female,48,45-54,second,secondary,self_employed,25.18,7,limited,1,319,1,digital_lender,2104.43,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2024,urban,male,32,25-34,second,primary,farmer,65.82,6,none,0,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,69,55+,fourth,secondary,self_employed,698.54,6,limited,0,633,1,family_friends,10555.37,vehicle,education,1,9106.85,0.051,12,797.63,current,not_applicable,moderate_burden
Senegal,2020,rural,female,52,45-54,highest,tertiary,farmer,557.06,6,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,44,35-44,highest,secondary,employed_informal,959.82,5,limited,0,773,1,family_friends,20839.57,none,business,1,18323.22,0.036,24,790.94,paid_off,not_applicable,moderate_burden
Nigeria,2025,rural,male,40,35-44,highest,tertiary,employed_formal,264.14,8,none,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,male,55,45-54,highest,secondary,employed_informal,489.82,10,limited,0,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,18,18-24,lowest,primary,self_employed,148.39,7,excellent,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,56,55+,lowest,primary,farmer,64.62,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,male,32,25-34,middle,secondary,self_employed,112.88,7,limited,1,431,1,sacco,2719.94,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2025,urban,female,35,25-34,middle,tertiary,employed_informal,276.5,4,good,1,168,1,microfinance,10457.46,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2025,rural,female,20,18-24,fourth,secondary,employed_informal,705.24,4,none,0,704,1,family_friends,3501.96,guarantor,business,1,3275.87,0.007,18,183.27,current,not_applicable,moderate_burden
Tanzania,2022,rural,male,39,35-44,lowest,none,employed_formal,88.38,9,good,0,829,1,microfinance,4667.9,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2018,urban,male,55,45-54,second,secondary,employed_informal,94.34,1,none,1,529,1,digital_lender,2126.33,none,business,1,2097.59,0.403,12,245.23,current,not_applicable,moderate_burden
Rwanda,2025,rural,female,60,55+,fourth,primary,employed_informal,505.87,3,good,0,738,1,informal_lender,8898.13,savings,agriculture,1,7608.16,0.787,24,566.57,late_30_days,not_applicable,moderate_burden
Zambia,2021,rural,female,20,18-24,lowest,secondary,farmer,92.73,1,none,1,577,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,68,55+,middle,none,farmer,367.35,6,none,0,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,53,45-54,lowest,none,employed_informal,129.75,9,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,61,55+,second,none,unemployed,142.91,1,none,1,0,1,sacco,4083.35,savings,education,1,3845.25,0.286,12,412.07,late_30_days,not_applicable,moderate_burden
Nigeria,2023,rural,male,42,35-44,highest,tertiary,employed_informal,441.49,1,none,1,64,1,commercial_bank,6789.8,savings,education,1,6725.36,0.179,12,660.57,current,not_applicable,moderate_burden
DRC,2020,urban,male,51,45-54,fourth,none,self_employed,1330.06,2,limited,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,26,25-34,lowest,tertiary,employed_informal,128.94,3,none,1,602,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,29,25-34,lowest,tertiary,self_employed,52.38,5,none,1,626,1,commercial_bank,2222.72,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2020,rural,male,64,55+,highest,primary,employed_informal,1191.43,8,limited,1,850,1,family_friends,18214.32,guarantor,business,1,15164.64,0.024,12,1294.03,defaulted,not_applicable,moderate_burden
Malawi,2021,rural,male,66,55+,second,none,unemployed,124.38,3,none,0,323,1,family_friends,1371.32,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2021,rural,male,67,55+,lowest,none,farmer,43.82,10,limited,0,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,36,35-44,fourth,primary,self_employed,331.41,5,excellent,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,male,50,45-54,fourth,tertiary,farmer,174.94,1,none,0,367,1,informal_lender,6568.07,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2022,rural,female,66,55+,lowest,secondary,self_employed,78.62,10,none,1,0,1,digital_lender,6186.25,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2023,rural,male,63,55+,second,none,employed_formal,341.01,10,none,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,male,24,18-24,lowest,none,unemployed,66.98,1,none,0,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,male,36,35-44,lowest,secondary,employed_informal,576.19,6,none,1,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,41,35-44,highest,primary,employed_informal,1362.24,4,excellent,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,female,21,18-24,second,secondary,employed_informal,310.88,9,none,0,0,1,microfinance,5996.36,savings,consumption,1,5478.72,0.335,18,406.42,late_60_days,not_applicable,moderate_burden
Mozambique,2025,rural,female,30,25-34,fourth,primary,self_employed,335.19,10,good,0,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,female,61,55+,lowest,secondary,self_employed,19.97,9,none,0,213,1,digital_lender,2390.57,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2023,urban,male,27,25-34,highest,primary,unemployed,287.24,3,limited,1,669,1,commercial_bank,8168.0,none,business,1,6879.09,0.186,18,453.15,current,not_applicable,moderate_burden
Ethiopia,2025,rural,male,68,55+,lowest,secondary,employed_informal,31.94,7,none,1,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,male,22,18-24,fourth,none,farmer,599.31,10,limited,0,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,42,35-44,fourth,primary,unemployed,1589.44,1,excellent,0,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,47,45-54,second,primary,employed_informal,99.64,1,limited,1,337,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,female,19,18-24,highest,none,self_employed,396.36,2,good,0,229,1,sacco,21296.25,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2021,urban,female,35,25-34,second,primary,employed_formal,233.48,8,limited,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,female,60,55+,fourth,primary,employed_informal,1095.28,1,excellent,1,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,30,25-34,fourth,tertiary,unemployed,1013.16,1,none,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,male,48,45-54,fourth,primary,employed_informal,289.53,2,limited,0,503,1,informal_lender,4353.63,savings,agriculture,1,3495.22,0.764,12,513.9,current,not_applicable,moderate_burden
Kenya,2023,rural,male,39,35-44,middle,none,self_employed,264.8,8,limited,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,49,45-54,fourth,tertiary,farmer,311.25,4,none,1,0,1,sacco,9133.04,guarantor,agriculture,1,8551.02,0.355,24,482.75,current,not_applicable,moderate_burden
Senegal,2019,rural,female,59,55+,highest,none,self_employed,278.87,5,limited,0,190,1,microfinance,3945.15,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2021,urban,female,51,45-54,highest,none,self_employed,384.75,5,none,1,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,26,25-34,lowest,tertiary,unemployed,25.0,3,none,0,311,1,sacco,416.44,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2021,rural,male,38,35-44,second,primary,farmer,108.69,3,none,1,74,1,informal_lender,2422.95,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ghana,2024,rural,female,36,35-44,second,primary,unemployed,345.3,5,excellent,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,male,58,55+,fourth,primary,employed_informal,136.29,7,none,1,514,1,digital_lender,4046.9,guarantor,business,1,3916.84,0.467,6,957.45,paid_off,not_applicable,moderate_burden
Mali,2018,rural,female,20,18-24,lowest,primary,farmer,21.89,2,limited,0,116,1,digital_lender,1145.42,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2022,urban,female,25,18-24,fourth,tertiary,self_employed,188.2,3,none,0,472,1,commercial_bank,5633.34,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2020,rural,female,69,55+,lowest,secondary,employed_formal,92.26,7,limited,1,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,36,35-44,highest,secondary,employed_formal,506.52,10,good,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,36,35-44,highest,primary,farmer,1536.28,7,none,0,549,1,digital_lender,7966.51,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2021,rural,male,49,45-54,second,secondary,farmer,102.62,3,limited,1,440,1,employer,3585.18,property,consumption,1,3554.38,0.088,18,214.91,current,not_applicable,moderate_burden
Mozambique,2019,rural,male,19,18-24,highest,tertiary,self_employed,214.65,4,none,0,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,male,46,45-54,lowest,primary,unemployed,41.25,2,none,0,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,47,45-54,middle,tertiary,self_employed,370.86,7,none,0,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,30,25-34,lowest,primary,farmer,157.69,4,none,0,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,male,19,18-24,middle,secondary,employed_informal,373.56,4,limited,0,65,1,family_friends,3019.41,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,urban,female,55,45-54,lowest,secondary,employed_informal,67.91,5,none,1,594,1,commercial_bank,1271.82,equipment,business,1,1086.84,0.189,24,53.83,paid_off,not_applicable,moderate_burden
Tanzania,2019,rural,male,33,25-34,lowest,secondary,farmer,31.33,7,limited,1,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,18,18-24,middle,primary,unemployed,149.52,6,good,1,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,40,35-44,second,secondary,self_employed,520.59,5,none,0,674,1,microfinance,7254.94,guarantor,asset_purchase,1,5982.46,0.329,12,662.45,paid_off,not_applicable,moderate_burden
Kenya,2020,rural,male,31,25-34,fourth,primary,self_employed,381.19,3,none,0,0,1,informal_lender,6586.38,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2019,rural,male,66,55+,second,secondary,unemployed,127.31,3,limited,0,328,1,family_friends,4384.59,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2022,urban,female,45,35-44,second,primary,farmer,115.97,3,none,0,190,1,family_friends,4111.27,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2019,rural,male,57,55+,lowest,secondary,employed_informal,123.85,9,none,1,372,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,63,55+,middle,secondary,unemployed,813.25,1,none,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,male,33,25-34,highest,none,employed_informal,344.77,10,none,0,122,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,urban,female,50,45-54,highest,secondary,farmer,395.25,5,none,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,28,25-34,highest,secondary,unemployed,282.33,1,none,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,27,25-34,lowest,secondary,farmer,60.31,10,limited,1,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,female,49,45-54,middle,primary,employed_formal,211.18,4,limited,0,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,53,45-54,highest,primary,self_employed,335.5,6,limited,1,750,1,informal_lender,4452.99,none,asset_purchase,1,4346.52,0.771,12,641.39,late_30_days,not_applicable,moderate_burden
Niger,2021,rural,female,24,18-24,lowest,primary,employed_formal,305.64,10,limited,0,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,male,51,45-54,second,secondary,self_employed,46.25,9,limited,0,375,1,informal_lender,2238.5,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2021,rural,female,67,55+,middle,secondary,self_employed,172.84,4,limited,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,female,34,25-34,second,primary,employed_informal,72.95,3,excellent,0,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,male,24,18-24,lowest,tertiary,self_employed,96.72,7,limited,0,654,1,sacco,2213.34,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2020,rural,female,21,18-24,fourth,primary,employed_formal,187.69,9,limited,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,64,55+,fourth,secondary,self_employed,129.56,7,limited,0,698,1,employer,4364.79,guarantor,emergency,1,3692.35,0.029,6,633.26,late_30_days,not_applicable,moderate_burden
Senegal,2019,rural,female,51,45-54,fourth,none,employed_informal,106.95,3,limited,0,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,18,18-24,fourth,tertiary,employed_formal,681.72,10,none,1,55,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,female,57,55+,lowest,secondary,employed_formal,211.02,5,limited,1,631,1,microfinance,4494.25,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2021,urban,female,50,45-54,second,none,farmer,542.32,7,good,0,736,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,64,55+,highest,primary,self_employed,650.5,5,limited,0,650,1,informal_lender,4737.04,vehicle,debt_consolidation,1,4265.27,0.799,24,319.72,current,not_applicable,moderate_burden
Mali,2022,urban,female,23,18-24,lowest,tertiary,employed_formal,63.29,5,excellent,1,262,1,family_friends,2209.84,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2024,rural,male,38,35-44,second,secondary,farmer,167.78,8,none,1,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,42,35-44,highest,none,self_employed,747.55,8,none,1,617,1,commercial_bank,9633.11,guarantor,agriculture,1,8213.67,0.135,18,517.96,current,not_applicable,moderate_burden
Mozambique,2025,urban,female,47,45-54,highest,primary,employed_informal,760.48,7,limited,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,36,35-44,middle,secondary,employed_formal,154.19,6,none,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,44,35-44,middle,primary,employed_formal,161.52,6,good,0,404,1,sacco,2342.73,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2020,urban,female,40,35-44,highest,tertiary,farmer,570.85,7,limited,1,457,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,urban,female,69,55+,highest,secondary,self_employed,615.43,5,none,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,51,45-54,second,none,self_employed,158.94,3,good,0,850,1,informal_lender,2661.81,property,agriculture,1,2527.51,0.836,18,257.76,paid_off,not_applicable,moderate_burden
DRC,2025,rural,female,48,45-54,second,primary,employed_informal,220.12,5,good,1,850,1,informal_lender,7241.38,vehicle,business,1,6019.37,0.843,6,1848.96,current,not_applicable,moderate_burden
Mozambique,2025,urban,male,29,25-34,lowest,primary,employed_formal,109.18,6,excellent,0,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,male,58,55+,fourth,secondary,self_employed,266.26,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,62,55+,highest,secondary,self_employed,1414.63,2,none,0,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,63,55+,middle,secondary,employed_formal,181.33,4,none,0,299,1,employer,1451.73,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2024,rural,female,37,35-44,middle,primary,employed_formal,147.9,9,good,1,204,1,digital_lender,5986.09,guarantor,business,1,4797.06,0.487,12,594.58,current,not_applicable,moderate_burden
Niger,2024,urban,male,22,18-24,highest,secondary,employed_informal,711.7,7,none,0,665,1,informal_lender,9639.89,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2018,rural,female,56,55+,middle,none,self_employed,186.17,4,none,0,492,1,informal_lender,4986.52,savings,education,1,4623.25,0.82,6,1402.56,defaulted,not_applicable,moderate_burden
Mali,2019,rural,male,47,45-54,lowest,tertiary,employed_formal,57.69,8,none,0,318,1,family_friends,3967.14,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2018,rural,female,50,45-54,lowest,secondary,self_employed,24.18,10,good,1,95,1,microfinance,2567.62,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2022,urban,male,43,35-44,middle,tertiary,self_employed,280.62,4,none,0,358,1,family_friends,7938.64,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2018,rural,male,35,25-34,second,primary,employed_informal,162.2,4,limited,0,663,1,digital_lender,3259.68,guarantor,education,1,3133.37,0.41,12,368.06,late_60_days,not_applicable,moderate_burden
Malawi,2023,rural,male,63,55+,lowest,none,farmer,85.99,7,limited,1,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,60,55+,lowest,tertiary,unemployed,29.3,1,limited,1,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,27,25-34,middle,secondary,self_employed,202.16,3,limited,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,female,59,55+,lowest,secondary,unemployed,274.75,3,good,1,298,1,commercial_bank,3340.71,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2022,rural,male,48,45-54,fourth,tertiary,employed_informal,142.27,10,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,28,25-34,highest,primary,farmer,2901.42,4,none,1,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,68,55+,fourth,secondary,self_employed,364.66,1,limited,0,678,1,microfinance,3770.2,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2021,rural,female,32,25-34,lowest,secondary,employed_informal,11.83,1,none,0,0,1,family_friends,920.51,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2025,urban,male,20,18-24,middle,none,employed_formal,158.84,6,none,0,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,male,37,35-44,highest,primary,farmer,2040.69,7,none,1,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,50,45-54,middle,primary,employed_informal,247.16,2,good,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,52,45-54,second,secondary,employed_informal,41.19,6,good,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,male,59,55+,second,secondary,self_employed,71.34,4,none,1,105,1,commercial_bank,2616.8,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2025,rural,male,30,25-34,fourth,secondary,unemployed,737.86,5,good,0,439,1,informal_lender,4964.84,guarantor,consumption,1,4896.63,0.824,24,372.19,current,not_applicable,moderate_burden
Rwanda,2022,rural,female,65,55+,fourth,primary,farmer,247.52,8,limited,0,668,1,family_friends,7134.63,equipment,education,1,6947.1,0.054,18,406.96,current,not_applicable,moderate_burden
Malawi,2019,rural,male,34,25-34,highest,primary,self_employed,457.29,9,good,1,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,male,48,45-54,lowest,secondary,self_employed,21.2,1,none,0,542,1,microfinance,1007.75,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2021,rural,female,28,25-34,middle,secondary,employed_informal,205.62,5,good,1,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,62,55+,second,primary,farmer,167.53,3,good,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,53,45-54,lowest,secondary,self_employed,41.95,1,limited,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,20,18-24,fourth,secondary,self_employed,648.84,3,good,1,776,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,65,55+,fourth,primary,self_employed,466.16,4,limited,1,803,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,62,55+,second,primary,farmer,466.59,9,limited,1,210,1,commercial_bank,10529.59,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2023,rural,male,48,45-54,second,primary,self_employed,290.16,10,limited,0,448,1,family_friends,5664.97,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2022,rural,female,38,35-44,second,secondary,unemployed,240.75,1,limited,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,52,45-54,middle,secondary,employed_informal,76.88,9,good,1,96,1,digital_lender,4825.06,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2024,rural,female,54,45-54,lowest,primary,employed_formal,26.45,7,none,1,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,48,45-54,second,secondary,farmer,163.75,5,none,0,470,1,informal_lender,5526.76,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2021,urban,female,68,55+,second,none,employed_informal,246.48,7,limited,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,female,20,18-24,lowest,secondary,farmer,139.82,7,good,0,850,1,digital_lender,2814.07,equipment,business,1,2347.8,0.407,24,137.62,current,not_applicable,moderate_burden
Mali,2024,rural,male,41,35-44,lowest,secondary,farmer,198.17,1,excellent,1,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,22,18-24,highest,none,self_employed,658.41,10,limited,0,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,35,25-34,lowest,tertiary,farmer,17.19,1,limited,0,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,51,45-54,middle,primary,self_employed,190.6,4,excellent,0,177,1,informal_lender,3710.35,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2025,urban,female,25,18-24,highest,none,unemployed,1493.08,1,none,0,801,1,sacco,17004.76,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Senegal,2025,rural,male,34,25-34,highest,primary,employed_informal,624.96,3,none,0,209,1,commercial_bank,4718.97,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2018,rural,female,20,18-24,middle,primary,self_employed,314.27,2,none,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,27,25-34,second,secondary,self_employed,222.49,2,none,0,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,33,25-34,lowest,primary,farmer,160.52,2,none,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,male,55,45-54,second,secondary,employed_informal,142.17,4,none,0,286,1,informal_lender,3304.82,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2022,rural,female,60,55+,lowest,tertiary,self_employed,72.93,2,limited,1,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,34,25-34,highest,secondary,farmer,304.08,1,good,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,male,29,25-34,middle,primary,self_employed,165.32,8,good,0,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,male,49,45-54,lowest,primary,unemployed,98.43,6,none,1,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,23,18-24,second,tertiary,self_employed,213.31,6,none,1,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,55,45-54,middle,secondary,self_employed,295.34,10,good,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,69,55+,lowest,primary,unemployed,76.85,1,excellent,1,497,1,commercial_bank,2502.69,none,asset_purchase,1,2428.61,0.161,48,58.76,paid_off,not_applicable,moderate_burden
Senegal,2021,rural,female,24,18-24,lowest,none,farmer,42.39,5,excellent,1,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,66,55+,second,secondary,farmer,69.99,2,none,0,636,1,sacco,3304.12,none,business,1,2946.52,0.339,12,328.85,current,not_applicable,moderate_burden
Uganda,2018,rural,male,47,45-54,fourth,tertiary,farmer,291.07,9,good,0,832,1,informal_lender,6726.3,equipment,consumption,1,5543.61,0.793,12,828.26,paid_off,not_applicable,moderate_burden
Kenya,2020,rural,female,56,55+,second,secondary,self_employed,127.24,4,limited,1,849,1,microfinance,3880.96,none,housing,1,3521.96,0.271,18,248.69,paid_off,not_applicable,moderate_burden
Ghana,2022,rural,female,63,55+,highest,primary,farmer,431.27,1,limited,0,301,1,family_friends,2462.29,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2020,rural,female,69,55+,lowest,secondary,self_employed,93.0,9,good,0,302,1,digital_lender,3232.43,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2023,urban,female,20,18-24,second,secondary,unemployed,130.97,4,excellent,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,female,51,45-54,lowest,secondary,employed_informal,85.58,2,none,1,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,66,55+,second,primary,self_employed,35.11,4,limited,1,296,1,digital_lender,1828.35,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2023,urban,female,55,45-54,second,secondary,self_employed,471.02,6,none,1,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,female,39,35-44,fourth,secondary,employed_informal,501.76,6,none,1,317,1,commercial_bank,8499.75,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2019,rural,male,54,45-54,middle,none,employed_formal,217.93,10,none,1,631,1,family_friends,14181.67,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2022,rural,female,28,25-34,lowest,secondary,self_employed,162.38,9,good,1,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,63,55+,fourth,tertiary,self_employed,978.18,3,excellent,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,40,35-44,second,secondary,employed_informal,46.37,6,good,1,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,25,18-24,middle,none,self_employed,870.64,8,limited,0,477,1,family_friends,5395.29,equipment,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2025,rural,female,49,45-54,fourth,secondary,farmer,292.07,7,none,1,0,1,informal_lender,1891.66,savings,agriculture,1,1614.49,0.766,12,237.57,current,not_applicable,moderate_burden
Ethiopia,2021,urban,male,67,55+,lowest,primary,farmer,127.81,2,none,0,312,1,digital_lender,5509.31,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2018,rural,male,37,35-44,middle,tertiary,farmer,960.61,4,good,0,579,1,commercial_bank,4091.98,none,debt_consolidation,1,3479.92,0.144,24,165.84,late_30_days,not_applicable,moderate_burden
Rwanda,2024,rural,male,27,25-34,middle,secondary,self_employed,174.39,1,none,0,606,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,male,37,35-44,second,secondary,farmer,218.89,8,none,0,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,44,35-44,fourth,secondary,farmer,407.45,2,excellent,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,female,62,55+,middle,secondary,employed_formal,129.2,4,excellent,1,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,41,35-44,highest,primary,employed_informal,560.39,2,none,1,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,female,62,55+,second,secondary,self_employed,105.89,4,good,1,637,1,employer,3282.08,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2022,rural,male,39,35-44,second,none,employed_informal,81.87,6,good,0,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,18,18-24,fourth,secondary,self_employed,1126.95,5,limited,1,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,female,56,55+,fourth,none,employed_informal,244.75,10,none,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,37,35-44,fourth,primary,farmer,327.98,6,none,1,551,1,commercial_bank,7222.22,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2019,urban,female,31,25-34,fourth,secondary,unemployed,1314.02,5,limited,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,34,25-34,middle,secondary,unemployed,220.69,2,none,1,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,male,49,45-54,second,primary,self_employed,520.48,9,good,0,284,1,sacco,7467.91,none,education,1,6041.81,0.293,12,651.23,late_60_days,not_applicable,moderate_burden
Niger,2022,rural,female,62,55+,highest,tertiary,employed_informal,143.62,1,none,0,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,female,60,55+,fourth,secondary,farmer,188.61,7,limited,0,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,53,45-54,fourth,none,employed_informal,218.98,6,good,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,35,25-34,lowest,secondary,employed_formal,33.82,4,good,1,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,male,22,18-24,lowest,none,employed_informal,230.11,8,none,0,443,1,informal_lender,1613.4,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Kenya,2022,urban,female,58,55+,middle,none,employed_formal,393.13,10,none,0,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,47,45-54,second,primary,employed_informal,88.43,6,limited,1,41,1,digital_lender,5723.34,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2023,rural,female,64,55+,fourth,secondary,self_employed,520.25,2,none,0,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,male,21,18-24,highest,primary,employed_informal,701.75,7,none,0,763,1,commercial_bank,2783.78,savings,debt_consolidation,1,2680.65,0.219,12,272.29,current,not_applicable,moderate_burden
Kenya,2023,rural,female,38,35-44,lowest,secondary,employed_formal,98.9,10,good,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,31,25-34,fourth,primary,self_employed,474.57,3,none,0,96,1,informal_lender,6082.04,equipment,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2024,rural,female,36,35-44,lowest,none,self_employed,124.52,4,none,0,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,33,25-34,middle,tertiary,farmer,358.69,4,good,1,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,24,18-24,lowest,secondary,self_employed,177.66,10,none,1,280,1,commercial_bank,1654.71,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2023,urban,male,37,35-44,second,primary,employed_informal,413.71,5,limited,1,56,1,commercial_bank,3933.92,equipment,consumption,1,3763.42,0.156,18,241.73,late_60_days,not_applicable,moderate_burden
Senegal,2018,urban,male,37,35-44,second,secondary,farmer,75.4,9,excellent,1,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,24,18-24,second,primary,employed_informal,132.16,1,none,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,35,25-34,lowest,secondary,unemployed,197.56,4,none,0,0,1,family_friends,1518.5,none,consumption,1,1233.25,0.02,18,69.86,current,not_applicable,moderate_burden
Ethiopia,2023,rural,male,53,45-54,highest,primary,employed_informal,456.62,7,good,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,59,55+,middle,none,farmer,62.69,1,none,0,199,1,informal_lender,10116.25,savings,business,1,9661.98,0.753,24,705.74,paid_off,not_applicable,moderate_burden
Senegal,2024,urban,female,47,45-54,fourth,primary,self_employed,247.36,6,limited,0,298,1,digital_lender,12744.09,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2019,urban,female,45,35-44,second,tertiary,unemployed,305.49,6,limited,1,446,1,digital_lender,7368.19,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2025,rural,female,62,55+,fourth,secondary,farmer,407.87,2,excellent,0,846,1,sacco,5615.34,equipment,agriculture,1,4873.33,0.332,12,541.04,late_60_days,not_applicable,moderate_burden
Mozambique,2025,rural,female,20,18-24,second,tertiary,self_employed,75.16,8,good,0,467,1,commercial_bank,2273.26,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2025,rural,male,51,45-54,second,primary,farmer,114.17,3,none,1,98,1,digital_lender,3931.24,none,housing,1,3741.0,0.465,12,456.8,defaulted,not_applicable,moderate_burden
South Africa,2022,rural,female,60,55+,highest,primary,self_employed,475.38,8,none,1,682,1,informal_lender,17863.63,none,agriculture,1,17668.4,0.829,24,1346.67,paid_off,not_applicable,moderate_burden
Ethiopia,2019,urban,male,43,35-44,lowest,primary,farmer,109.46,4,none,1,668,1,commercial_bank,2744.47,equipment,consumption,1,2395.6,0.228,12,245.06,current,not_applicable,moderate_burden
Mozambique,2020,rural,male,33,25-34,second,tertiary,unemployed,69.31,1,limited,0,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,29,25-34,fourth,primary,employed_formal,581.61,9,limited,1,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,23,18-24,fourth,secondary,farmer,500.03,5,none,0,168,1,informal_lender,20786.81,none,agriculture,1,17844.73,0.783,18,1768.11,current,not_applicable,moderate_burden
Ethiopia,2025,urban,male,46,45-54,highest,none,farmer,271.64,9,limited,1,770,1,commercial_bank,3373.3,equipment,business,1,2969.73,0.215,12,300.79,late_30_days,not_applicable,moderate_burden
Kenya,2024,rural,male,58,55+,lowest,none,farmer,60.34,1,none,1,385,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,35,25-34,lowest,tertiary,self_employed,137.3,5,limited,1,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,female,21,18-24,second,primary,employed_informal,279.03,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,31,25-34,lowest,none,unemployed,197.32,1,none,1,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,63,55+,highest,primary,employed_informal,1561.27,4,limited,1,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,30,25-34,middle,secondary,self_employed,400.4,3,none,0,355,1,digital_lender,9240.67,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2019,rural,male,34,25-34,highest,secondary,farmer,1585.02,2,limited,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,urban,female,44,35-44,lowest,primary,farmer,107.74,9,limited,0,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,male,69,55+,highest,none,farmer,2084.63,1,none,1,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,male,24,18-24,middle,none,employed_informal,124.96,2,none,0,27,1,digital_lender,2117.25,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2021,rural,female,55,45-54,middle,secondary,self_employed,264.4,2,none,0,457,1,informal_lender,1411.04,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2023,rural,female,63,55+,lowest,primary,employed_informal,56.93,9,limited,0,736,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,female,56,55+,highest,secondary,employed_informal,1093.66,3,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,46,45-54,fourth,tertiary,unemployed,283.48,4,limited,0,488,1,digital_lender,4481.16,savings,business,1,3805.86,0.405,12,445.68,late_30_days,not_applicable,moderate_burden
Nigeria,2025,rural,male,48,45-54,highest,tertiary,employed_informal,3146.85,5,limited,1,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,20,18-24,highest,primary,unemployed,3064.99,1,limited,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,34,25-34,middle,secondary,employed_informal,109.51,10,none,0,117,1,informal_lender,1603.57,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2023,urban,female,54,45-54,highest,none,self_employed,776.27,5,good,0,452,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,female,55,45-54,lowest,tertiary,unemployed,95.65,1,none,1,110,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,59,55+,lowest,secondary,self_employed,28.76,8,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,female,45,35-44,fourth,none,farmer,100.41,2,none,0,164,1,family_friends,6961.0,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2023,urban,male,55,45-54,second,secondary,employed_informal,272.43,1,none,0,259,1,informal_lender,7519.16,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2023,rural,female,30,25-34,second,tertiary,self_employed,216.62,4,excellent,0,210,1,informal_lender,4389.47,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2024,urban,female,48,45-54,lowest,primary,self_employed,88.84,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,34,25-34,second,primary,self_employed,195.33,9,none,1,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,female,65,55+,highest,primary,employed_informal,749.08,6,excellent,0,850,1,microfinance,4508.65,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2023,urban,male,18,18-24,second,primary,employed_formal,70.41,10,limited,0,197,1,family_friends,2150.45,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2023,urban,female,45,35-44,lowest,primary,unemployed,55.61,1,none,1,625,1,microfinance,2948.54,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2022,rural,male,54,45-54,lowest,none,employed_formal,48.03,6,good,1,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,male,68,55+,middle,tertiary,unemployed,342.59,5,limited,1,776,1,sacco,3528.77,property,asset_purchase,1,3440.0,0.29,24,184.89,current,not_applicable,moderate_burden
Uganda,2023,rural,male,64,55+,second,secondary,unemployed,81.98,4,good,1,158,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,18,18-24,second,tertiary,employed_formal,405.41,10,good,0,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,male,20,18-24,highest,primary,self_employed,572.66,2,good,0,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,female,65,55+,lowest,secondary,self_employed,46.59,6,limited,1,184,1,digital_lender,2081.17,property,business,1,1834.08,0.495,24,114.22,late_30_days,not_applicable,moderate_burden
Malawi,2024,urban,female,59,55+,lowest,secondary,employed_formal,69.21,6,good,0,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,20,18-24,second,tertiary,employed_formal,208.42,4,limited,0,317,1,sacco,1379.61,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2025,rural,male,21,18-24,highest,none,self_employed,618.91,9,good,0,830,1,informal_lender,11150.94,vehicle,education,1,9379.49,0.778,6,2779.8,current,not_applicable,moderate_burden
Mozambique,2024,rural,female,27,25-34,second,secondary,employed_formal,98.26,10,none,0,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,54,45-54,second,primary,unemployed,111.72,2,limited,1,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,29,25-34,fourth,secondary,self_employed,357.32,8,limited,0,804,1,digital_lender,8715.69,savings,debt_consolidation,1,7241.09,0.4,24,422.48,paid_off,not_applicable,moderate_burden
Malawi,2021,urban,male,57,55+,second,secondary,farmer,93.92,2,good,1,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,23,18-24,fourth,primary,self_employed,221.49,3,none,0,534,1,family_friends,2105.51,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2018,rural,female,39,35-44,lowest,primary,employed_formal,25.22,7,none,0,730,1,informal_lender,2477.61,savings,business,1,2040.76,0.773,24,150.72,late_30_days,not_applicable,moderate_burden
Malawi,2025,rural,male,29,25-34,highest,secondary,employed_informal,465.51,8,none,1,217,1,informal_lender,12174.89,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2024,rural,female,55,45-54,highest,secondary,self_employed,422.76,3,good,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,45,35-44,middle,primary,farmer,87.33,7,none,0,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,67,55+,second,secondary,employed_informal,126.33,8,limited,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,25,18-24,lowest,tertiary,self_employed,55.63,6,limited,1,287,1,family_friends,3375.57,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2025,urban,female,33,25-34,second,secondary,self_employed,227.1,9,none,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,25,18-24,middle,primary,employed_informal,131.56,2,none,0,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,52,45-54,lowest,none,self_employed,124.61,1,none,0,173,1,digital_lender,1169.05,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2019,rural,female,60,55+,highest,none,employed_formal,649.66,5,good,1,730,1,microfinance,2547.19,equipment,agriculture,1,2047.6,0.301,12,221.95,current,not_applicable,moderate_burden
South Africa,2023,rural,female,35,25-34,second,tertiary,self_employed,174.04,6,limited,0,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,63,55+,middle,none,self_employed,383.54,4,none,0,63,1,sacco,7976.01,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,urban,male,29,25-34,lowest,none,farmer,124.25,5,excellent,0,726,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,male,54,45-54,second,secondary,self_employed,245.34,2,good,0,99,1,employer,1809.59,property,agriculture,1,1560.47,0.011,12,131.51,current,not_applicable,moderate_burden
DRC,2018,rural,male,38,35-44,middle,primary,farmer,479.44,3,none,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,18,18-24,middle,secondary,farmer,1209.31,6,none,1,685,1,microfinance,14084.8,property,agriculture,1,12438.88,0.277,6,2648.05,late_60_days,not_applicable,moderate_burden
Uganda,2025,rural,female,30,25-34,lowest,none,self_employed,75.32,2,limited,0,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,60,55+,lowest,secondary,employed_formal,105.7,10,none,1,274,1,sacco,3344.3,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2021,rural,female,58,55+,second,secondary,unemployed,119.45,1,good,1,348,1,commercial_bank,8347.01,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2025,rural,male,26,25-34,highest,tertiary,farmer,177.0,8,limited,1,255,1,informal_lender,2648.66,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,urban,male,44,35-44,second,primary,unemployed,197.67,1,limited,0,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,67,55+,middle,primary,unemployed,117.12,1,good,1,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,male,57,55+,second,tertiary,farmer,128.31,6,none,0,337,1,informal_lender,3755.65,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2024,rural,female,18,18-24,second,tertiary,employed_formal,134.0,10,none,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,52,45-54,lowest,secondary,farmer,45.87,3,none,1,0,1,commercial_bank,3839.27,guarantor,education,1,3284.41,0.147,12,313.84,current,not_applicable,moderate_burden
Niger,2021,rural,male,42,35-44,lowest,none,employed_formal,35.3,9,limited,1,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,41,35-44,lowest,secondary,employed_informal,93.55,3,limited,0,8,1,informal_lender,4852.97,equipment,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2023,rural,male,52,45-54,middle,secondary,employed_informal,787.16,9,excellent,1,250,1,microfinance,14232.24,vehicle,business,1,11856.8,0.347,18,887.18,current,not_applicable,moderate_burden
Senegal,2019,rural,female,40,35-44,lowest,secondary,employed_informal,169.67,5,limited,0,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,female,38,35-44,lowest,tertiary,farmer,47.31,6,limited,1,3,1,commercial_bank,1169.39,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2024,rural,male,47,45-54,fourth,secondary,employed_formal,134.17,10,limited,1,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,38,35-44,middle,secondary,unemployed,149.24,1,none,1,60,1,microfinance,1062.21,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2018,rural,female,37,35-44,second,primary,employed_formal,169.54,6,none,0,153,1,employer,2990.97,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2025,rural,male,48,45-54,middle,secondary,employed_informal,64.14,3,limited,0,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,34,25-34,highest,secondary,unemployed,747.23,1,good,1,850,1,sacco,3734.01,guarantor,asset_purchase,1,3707.76,0.325,18,272.87,current,not_applicable,moderate_burden
Senegal,2025,urban,female,42,35-44,middle,tertiary,self_employed,175.8,6,none,0,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,34,25-34,highest,secondary,farmer,786.82,4,good,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,female,60,55+,highest,primary,unemployed,1290.32,1,none,1,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,female,34,25-34,lowest,primary,self_employed,78.57,10,good,0,266,1,microfinance,1978.95,savings,emergency,1,1678.63,0.353,12,189.28,current,not_applicable,moderate_burden
Zambia,2024,rural,male,45,35-44,second,secondary,self_employed,116.31,8,none,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,27,25-34,second,tertiary,farmer,154.2,8,limited,0,273,1,commercial_bank,1689.47,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2019,rural,female,34,25-34,lowest,primary,farmer,43.69,7,limited,0,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,25,18-24,second,secondary,employed_informal,247.5,3,limited,1,177,1,commercial_bank,6504.15,guarantor,business,1,6313.1,0.172,18,411.2,defaulted,not_applicable,moderate_burden
Malawi,2022,urban,male,62,55+,lowest,secondary,self_employed,76.54,9,limited,0,112,1,digital_lender,2786.62,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2024,rural,female,27,25-34,second,none,self_employed,159.45,6,limited,1,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,32,25-34,highest,primary,employed_informal,783.22,2,none,1,804,1,digital_lender,7854.46,guarantor,housing,1,7586.1,0.474,12,932.03,current,not_applicable,moderate_burden
Senegal,2022,rural,female,28,25-34,lowest,tertiary,self_employed,81.6,2,none,1,613,1,sacco,4056.12,none,consumption,1,3255.49,0.292,6,700.79,current,not_applicable,moderate_burden
Rwanda,2023,rural,male,31,25-34,second,secondary,self_employed,24.23,8,none,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,30,25-34,fourth,primary,employed_informal,227.33,2,none,1,247,1,sacco,2395.77,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,rural,female,33,25-34,lowest,tertiary,employed_informal,78.5,2,none,0,70,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,18,18-24,second,none,farmer,115.83,1,none,1,651,1,microfinance,3015.59,none,consumption,1,2506.76,0.358,12,283.68,late_30_days,not_applicable,moderate_burden
South Africa,2022,rural,male,30,25-34,lowest,secondary,self_employed,23.66,10,none,0,652,1,family_friends,2664.14,none,business,1,2144.04,0.09,18,129.83,late_30_days,not_applicable,moderate_burden
South Africa,2019,rural,male,27,25-34,fourth,primary,unemployed,1139.58,6,none,0,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,53,45-54,highest,none,employed_formal,1891.76,6,none,1,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,male,29,25-34,second,primary,self_employed,54.94,3,limited,0,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,male,64,55+,middle,primary,self_employed,387.64,4,limited,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,19,18-24,second,secondary,self_employed,433.29,7,none,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,22,18-24,middle,secondary,farmer,243.39,6,none,0,179,1,sacco,2340.24,none,business,1,2045.91,0.364,12,232.58,current,not_applicable,moderate_burden
Malawi,2024,rural,male,55,45-54,second,primary,self_employed,218.57,5,none,0,495,1,family_friends,9734.82,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2023,rural,male,58,55+,middle,primary,employed_formal,245.75,7,good,1,427,1,digital_lender,2970.89,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2021,rural,female,32,25-34,lowest,secondary,employed_informal,49.6,7,good,1,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,male,29,25-34,fourth,none,employed_informal,477.91,10,excellent,1,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,female,64,55+,middle,secondary,self_employed,349.41,1,none,1,0,1,family_friends,6607.92,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2024,rural,female,30,25-34,highest,secondary,self_employed,260.96,3,limited,1,676,1,digital_lender,2920.54,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,rural,male,27,25-34,fourth,primary,self_employed,571.0,3,none,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,female,47,45-54,fourth,secondary,employed_formal,887.8,10,limited,1,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,50,45-54,middle,secondary,farmer,379.0,7,limited,1,86,1,employer,4283.54,savings,housing,1,3739.99,0.078,12,335.82,current,not_applicable,moderate_burden
Tanzania,2023,urban,female,57,55+,lowest,secondary,employed_informal,78.87,10,none,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,male,50,45-54,lowest,primary,employed_formal,63.94,7,limited,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,29,25-34,fourth,secondary,farmer,212.09,4,none,1,701,1,sacco,3793.88,vehicle,business,1,3187.44,0.309,12,347.6,current,not_applicable,moderate_burden
DRC,2022,urban,female,41,35-44,fourth,primary,employed_informal,240.66,9,limited,1,59,1,commercial_bank,5208.79,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2019,rural,male,35,25-34,middle,secondary,farmer,215.56,5,limited,1,701,1,family_friends,12204.88,property,housing,1,11269.82,0.022,24,479.74,late_30_days,not_applicable,moderate_burden
Zambia,2022,rural,male,45,35-44,middle,none,self_employed,153.36,2,none,0,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,18,18-24,lowest,primary,farmer,36.68,4,good,0,592,1,sacco,1253.66,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2025,rural,female,36,35-44,fourth,none,employed_informal,328.44,4,none,1,545,1,commercial_bank,8506.82,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2019,rural,male,40,35-44,lowest,none,employed_informal,19.73,5,none,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,female,37,35-44,fourth,primary,employed_informal,236.79,9,none,0,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,61,55+,fourth,secondary,farmer,469.98,2,limited,0,194,1,commercial_bank,5204.04,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2025,urban,female,40,35-44,middle,tertiary,self_employed,95.17,4,none,0,0,1,informal_lender,5596.22,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2021,rural,female,34,25-34,middle,tertiary,self_employed,74.7,2,limited,0,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,51,45-54,lowest,primary,farmer,34.04,3,good,1,106,1,employer,1566.84,property,emergency,1,1396.36,0.083,24,63.0,paid_off,not_applicable,moderate_burden
Uganda,2024,urban,male,19,18-24,fourth,none,farmer,594.33,3,none,0,22,1,sacco,3043.51,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2024,rural,male,51,45-54,lowest,secondary,employed_informal,56.87,4,limited,0,333,1,family_friends,1469.75,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2023,urban,female,44,35-44,second,tertiary,self_employed,26.0,10,limited,1,360,1,informal_lender,4228.31,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2019,urban,female,60,55+,lowest,none,unemployed,314.91,4,good,0,798,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,68,55+,lowest,primary,employed_informal,26.88,8,limited,1,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,male,22,18-24,second,secondary,employed_formal,120.06,10,limited,1,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,58,55+,second,secondary,self_employed,57.88,2,limited,0,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,41,35-44,second,none,unemployed,34.1,1,limited,1,4,1,digital_lender,2486.55,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2020,rural,male,39,35-44,lowest,tertiary,self_employed,41.81,6,none,1,0,1,sacco,3603.1,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2024,rural,female,33,25-34,middle,secondary,farmer,482.06,10,good,0,173,1,informal_lender,5872.46,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2021,rural,female,51,45-54,lowest,none,unemployed,8.16,1,excellent,0,382,1,microfinance,1247.71,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2021,urban,male,57,55+,lowest,secondary,unemployed,73.97,1,limited,0,477,1,family_friends,1785.83,equipment,business,1,1444.41,0.044,6,251.4,current,not_applicable,moderate_burden
Mali,2021,rural,male,30,25-34,middle,primary,self_employed,49.37,8,limited,0,398,1,digital_lender,3339.61,savings,emergency,1,3172.49,0.416,6,748.46,current,not_applicable,moderate_burden
Niger,2021,rural,female,26,25-34,lowest,primary,employed_informal,19.7,2,none,0,84,1,digital_lender,3075.58,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2024,urban,female,26,25-34,fourth,primary,farmer,310.04,4,none,1,78,1,digital_lender,7660.45,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2023,rural,female,30,25-34,lowest,secondary,unemployed,11.12,1,none,1,655,1,commercial_bank,1229.5,guarantor,consumption,1,1050.25,0.155,6,202.19,late_30_days,not_applicable,moderate_burden
Malawi,2024,rural,female,32,25-34,highest,secondary,farmer,676.19,1,limited,1,232,1,commercial_bank,12649.41,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2018,urban,female,42,35-44,middle,primary,unemployed,783.91,3,none,1,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,48,45-54,middle,none,farmer,428.77,7,limited,0,653,1,family_friends,6327.03,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2020,urban,female,37,35-44,second,primary,employed_formal,467.17,5,limited,1,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,52,45-54,lowest,tertiary,farmer,70.81,6,excellent,0,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,35,25-34,middle,primary,employed_informal,307.07,7,limited,0,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,female,32,25-34,lowest,secondary,self_employed,193.49,6,none,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,52,45-54,fourth,none,unemployed,518.43,5,good,1,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,male,46,45-54,lowest,tertiary,self_employed,76.35,2,none,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,27,25-34,lowest,secondary,self_employed,63.99,4,none,1,76,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,51,45-54,lowest,none,farmer,103.38,5,good,1,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,male,34,25-34,middle,secondary,self_employed,392.78,7,excellent,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,male,52,45-54,highest,secondary,farmer,817.57,1,good,1,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,56,55+,lowest,secondary,employed_formal,51.66,10,limited,0,792,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,urban,female,63,55+,second,secondary,unemployed,182.23,4,good,1,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,50,45-54,second,secondary,unemployed,121.51,1,limited,0,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,42,35-44,middle,none,employed_informal,133.57,3,none,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,55,45-54,second,none,employed_informal,154.05,4,limited,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,female,56,55+,middle,primary,employed_informal,261.46,6,limited,0,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,58,55+,lowest,primary,self_employed,72.95,4,good,1,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,male,24,18-24,fourth,primary,employed_formal,396.97,10,none,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,19,18-24,highest,tertiary,employed_informal,587.79,3,none,0,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,33,25-34,highest,primary,self_employed,633.53,4,limited,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,male,56,55+,highest,primary,self_employed,6581.21,4,none,0,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,58,55+,lowest,none,farmer,177.29,10,limited,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,48,45-54,lowest,secondary,self_employed,37.64,4,limited,1,263,1,sacco,3105.91,vehicle,business,1,2714.65,0.349,18,203.42,paid_off,not_applicable,moderate_burden
Ghana,2018,rural,male,46,45-54,second,none,self_employed,47.18,2,good,0,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,55,45-54,lowest,primary,unemployed,54.39,1,limited,1,187,1,family_friends,1584.23,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2022,rural,male,51,45-54,second,primary,employed_formal,278.41,7,none,0,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,41,35-44,fourth,secondary,employed_formal,1069.68,10,good,0,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,28,25-34,fourth,secondary,employed_formal,213.85,5,limited,0,68,1,family_friends,4122.9,guarantor,business,1,3636.14,0.065,36,107.59,current,not_applicable,moderate_burden
Rwanda,2020,urban,female,59,55+,lowest,primary,employed_formal,45.3,10,none,1,738,1,microfinance,2165.97,guarantor,consumption,1,2129.37,0.368,12,242.66,late_30_days,not_applicable,moderate_burden
DRC,2018,rural,female,59,55+,highest,primary,farmer,979.13,9,none,0,643,1,sacco,9379.79,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2023,rural,female,68,55+,fourth,secondary,self_employed,222.03,3,limited,0,12,1,sacco,3426.42,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2022,urban,male,31,25-34,lowest,primary,self_employed,62.27,9,limited,0,651,1,family_friends,1674.36,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2023,rural,female,40,35-44,middle,tertiary,self_employed,685.82,7,none,1,381,1,commercial_bank,8232.75,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2018,rural,male,49,45-54,fourth,none,self_employed,258.79,3,none,0,97,1,sacco,3773.32,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2018,urban,male,27,25-34,middle,primary,self_employed,140.62,9,none,1,26,1,sacco,2236.81,guarantor,asset_purchase,1,2133.64,0.296,24,115.25,current,not_applicable,moderate_burden
Kenya,2018,rural,male,63,55+,lowest,primary,farmer,82.59,2,none,0,0,1,sacco,1686.41,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2022,urban,male,26,25-34,highest,secondary,farmer,2370.54,6,none,0,729,1,microfinance,11914.38,none,agriculture,1,10233.04,0.342,24,572.26,current,not_applicable,moderate_burden
Zambia,2018,urban,male,57,55+,middle,tertiary,employed_informal,505.88,5,none,1,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,female,19,18-24,lowest,tertiary,employed_formal,85.65,7,none,0,48,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,32,25-34,middle,primary,farmer,108.63,6,good,0,850,1,digital_lender,5518.86,none,business,1,5380.21,0.42,6,1273.06,late_30_days,not_applicable,moderate_burden
Ethiopia,2024,urban,female,59,55+,lowest,none,unemployed,22.58,1,good,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,24,18-24,middle,tertiary,farmer,195.71,1,limited,0,551,1,digital_lender,30232.78,property,education,1,27735.42,0.446,12,3341.18,current,not_applicable,moderate_burden
South Africa,2019,rural,male,19,18-24,highest,secondary,unemployed,1933.74,1,limited,1,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,male,43,35-44,middle,none,unemployed,905.44,4,limited,0,708,1,family_friends,6103.61,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2023,rural,male,48,45-54,second,secondary,self_employed,64.82,7,none,1,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,30,25-34,lowest,primary,self_employed,80.97,6,good,1,786,1,commercial_bank,10216.32,none,agriculture,1,9661.94,0.21,24,487.25,current,not_applicable,moderate_burden
Mozambique,2019,rural,male,46,45-54,middle,secondary,self_employed,195.01,10,limited,1,7,1,commercial_bank,9293.33,guarantor,agriculture,1,8892.28,0.208,12,895.49,current,not_applicable,moderate_burden
Ethiopia,2024,urban,female,52,45-54,lowest,secondary,self_employed,195.98,7,limited,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,female,23,18-24,middle,primary,farmer,504.56,9,none,1,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,40,35-44,second,primary,employed_formal,110.42,9,good,1,494,1,commercial_bank,3231.84,guarantor,business,1,3059.64,0.169,6,595.92,late_30_days,not_applicable,moderate_burden
Nigeria,2020,urban,male,45,35-44,second,primary,farmer,30.32,8,limited,0,404,1,informal_lender,3602.16,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2023,urban,female,46,45-54,fourth,primary,employed_formal,623.64,9,limited,1,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,39,35-44,middle,secondary,self_employed,196.36,3,none,0,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,male,18,18-24,second,secondary,farmer,410.84,9,none,1,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,33,25-34,middle,none,employed_informal,104.2,5,good,1,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,46,45-54,second,tertiary,self_employed,127.0,3,none,0,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,male,21,18-24,second,secondary,farmer,321.79,9,none,0,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,39,35-44,middle,secondary,self_employed,418.16,9,none,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,47,45-54,second,primary,farmer,89.25,4,limited,0,261,1,informal_lender,4104.77,none,agriculture,1,3991.78,0.754,12,583.42,current,not_applicable,moderate_burden
Kenya,2022,rural,female,63,55+,lowest,secondary,self_employed,40.66,5,none,1,46,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,66,55+,second,primary,self_employed,139.02,2,limited,1,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,60,55+,lowest,primary,employed_informal,21.3,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,62,55+,fourth,primary,employed_informal,131.09,10,limited,1,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,20,18-24,second,primary,self_employed,87.89,1,none,0,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,male,57,55+,middle,primary,unemployed,147.49,5,limited,0,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,21,18-24,middle,tertiary,farmer,280.43,6,none,0,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,male,38,35-44,middle,none,self_employed,477.29,7,limited,1,405,1,microfinance,5655.09,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2022,rural,female,46,45-54,highest,primary,employed_formal,441.99,8,limited,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,23,18-24,middle,none,self_employed,185.68,4,none,0,653,1,digital_lender,6727.99,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2025,urban,female,65,55+,second,primary,farmer,149.7,7,none,0,227,1,employer,5741.82,guarantor,business,1,5135.61,0.09,12,466.61,late_30_days,not_applicable,moderate_burden
South Africa,2020,urban,male,40,35-44,middle,secondary,self_employed,112.6,1,limited,1,588,1,microfinance,2684.74,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2025,rural,male,35,25-34,middle,primary,self_employed,117.81,7,none,0,291,1,informal_lender,3583.56,savings,housing,1,2924.67,0.796,18,291.78,defaulted,not_applicable,moderate_burden
South Africa,2023,rural,male,51,45-54,highest,tertiary,self_employed,271.97,10,none,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,urban,female,36,35-44,highest,secondary,unemployed,1046.27,1,none,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,61,55+,middle,primary,employed_informal,110.24,10,none,1,354,1,commercial_bank,896.47,savings,asset_purchase,1,819.22,0.224,6,167.13,current,not_applicable,moderate_burden
Ethiopia,2019,urban,female,43,35-44,lowest,none,self_employed,230.84,1,none,0,296,1,microfinance,4206.52,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Zambia,2022,rural,male,62,55+,lowest,primary,self_employed,38.4,7,excellent,0,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,male,34,25-34,lowest,secondary,unemployed,128.31,1,limited,0,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,40,35-44,highest,secondary,employed_formal,1461.82,4,none,1,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,35,25-34,fourth,secondary,employed_formal,268.25,10,none,1,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,34,25-34,highest,primary,unemployed,561.48,1,limited,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,38,35-44,second,secondary,employed_informal,252.65,8,none,1,527,1,digital_lender,2984.85,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
DRC,2020,urban,male,51,45-54,lowest,secondary,employed_informal,119.01,9,limited,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,58,55+,lowest,primary,employed_informal,24.28,1,limited,0,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,male,38,35-44,middle,primary,employed_formal,203.98,10,limited,0,714,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,male,35,25-34,middle,primary,self_employed,198.9,7,limited,0,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,48,45-54,middle,secondary,self_employed,101.15,7,none,1,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,57,55+,fourth,secondary,employed_formal,1369.03,10,none,0,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,25,18-24,fourth,primary,self_employed,99.93,8,none,1,45,1,commercial_bank,6327.04,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2020,urban,male,44,35-44,second,none,self_employed,493.87,7,limited,1,106,1,commercial_bank,2644.92,none,housing,1,2497.64,0.226,18,170.15,current,not_applicable,moderate_burden
Uganda,2025,rural,male,29,25-34,second,primary,employed_informal,137.73,3,none,0,383,1,digital_lender,10560.7,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2021,rural,female,65,55+,second,primary,employed_informal,457.55,8,none,0,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,50,45-54,highest,tertiary,employed_informal,2092.15,8,none,1,509,1,commercial_bank,16991.38,none,agriculture,1,14647.27,0.154,12,1408.73,paid_off,not_applicable,moderate_burden
Rwanda,2023,urban,male,31,25-34,lowest,primary,employed_formal,64.41,7,limited,0,182,1,microfinance,6665.51,none,business,1,6609.56,0.342,36,246.36,current,not_applicable,moderate_burden
Ghana,2020,urban,male,49,45-54,fourth,secondary,farmer,472.72,4,limited,0,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,29,25-34,second,secondary,self_employed,65.97,2,none,1,240,1,microfinance,2625.95,equipment,agriculture,1,2621.06,0.348,12,294.54,late_60_days,not_applicable,moderate_burden
Niger,2020,urban,male,30,25-34,middle,none,employed_informal,583.47,8,none,1,472,1,commercial_bank,10531.22,equipment,consumption,1,8742.36,0.143,36,277.63,defaulted,not_applicable,moderate_burden
Mali,2024,rural,female,69,55+,fourth,primary,farmer,401.72,7,excellent,0,726,1,family_friends,9010.46,none,housing,1,8782.38,0.075,18,524.49,defaulted,not_applicable,moderate_burden
Malawi,2023,rural,female,34,25-34,second,tertiary,self_employed,158.93,9,limited,0,821,1,family_friends,845.9,guarantor,business,1,742.17,0.071,36,22.07,current,not_applicable,moderate_burden
Kenya,2023,rural,female,66,55+,middle,secondary,employed_informal,183.36,1,good,0,845,1,family_friends,3436.37,equipment,business,1,3334.66,0.043,24,144.87,late_30_days,not_applicable,moderate_burden
Malawi,2024,rural,male,46,45-54,fourth,secondary,farmer,161.39,7,excellent,1,850,1,commercial_bank,7266.68,none,business,1,6230.85,0.134,12,588.98,late_60_days,not_applicable,moderate_burden
DRC,2025,urban,female,59,55+,second,none,self_employed,133.56,6,limited,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,31,25-34,second,primary,self_employed,233.13,8,none,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,37,35-44,fourth,primary,self_employed,57.23,2,good,1,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,female,67,55+,fourth,none,employed_informal,1891.82,2,none,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,44,35-44,highest,none,self_employed,991.23,9,none,1,846,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,55,45-54,fourth,primary,farmer,617.97,10,good,1,819,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,male,47,45-54,middle,none,farmer,355.67,1,limited,1,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,21,18-24,lowest,primary,employed_informal,75.34,10,excellent,1,542,1,digital_lender,2848.48,none,consumption,1,2432.38,0.445,12,292.81,paid_off,not_applicable,moderate_burden
Nigeria,2024,rural,male,57,55+,lowest,primary,employed_informal,25.6,6,good,0,475,1,informal_lender,1680.33,savings,emergency,1,1550.05,0.772,12,228.88,late_30_days,not_applicable,moderate_burden
Tanzania,2024,rural,male,21,18-24,lowest,secondary,farmer,23.1,9,none,0,611,1,microfinance,2647.81,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2018,urban,male,21,18-24,fourth,secondary,employed_informal,174.34,6,none,0,567,1,informal_lender,3411.11,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2020,rural,female,33,25-34,highest,none,self_employed,494.99,8,good,1,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,67,55+,lowest,none,self_employed,104.09,8,good,0,569,1,commercial_bank,2360.22,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2024,urban,female,68,55+,highest,none,employed_informal,2895.25,4,excellent,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,44,35-44,middle,primary,unemployed,291.74,3,none,1,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,46,45-54,highest,secondary,employed_informal,1107.64,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,male,32,25-34,second,primary,self_employed,135.73,2,excellent,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,60,55+,lowest,none,employed_formal,96.46,7,none,0,0,1,informal_lender,9319.23,guarantor,emergency,1,8930.07,0.848,6,2751.18,paid_off,not_applicable,moderate_burden
Niger,2022,rural,male,47,45-54,second,primary,employed_informal,184.88,4,good,0,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,female,21,18-24,fourth,tertiary,employed_informal,467.0,3,none,1,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,24,18-24,fourth,secondary,farmer,527.68,6,good,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,25,18-24,lowest,none,unemployed,117.94,1,good,0,682,1,sacco,2816.52,savings,education,1,2616.29,0.312,18,190.65,current,not_applicable,moderate_burden
Mozambique,2023,rural,male,69,55+,lowest,tertiary,farmer,41.84,1,limited,0,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,21,18-24,middle,primary,unemployed,117.42,1,limited,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,18,18-24,lowest,secondary,farmer,127.39,1,limited,0,86,1,microfinance,2268.43,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2019,urban,female,27,25-34,second,primary,employed_formal,72.36,10,none,1,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,57,55+,lowest,primary,employed_informal,49.05,10,limited,1,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,male,42,35-44,second,secondary,farmer,438.56,5,none,0,540,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,male,21,18-24,fourth,tertiary,employed_informal,1112.47,10,good,1,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,52,45-54,middle,none,farmer,411.43,7,none,0,0,1,informal_lender,9772.48,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2019,rural,male,59,55+,middle,primary,farmer,124.4,4,none,0,610,1,employer,4917.77,guarantor,debt_consolidation,1,3953.99,0.003,48,82.6,late_60_days,not_applicable,moderate_burden
Senegal,2020,urban,female,29,25-34,middle,secondary,employed_formal,173.08,8,none,0,0,1,sacco,2894.58,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2019,rural,female,30,25-34,highest,primary,employed_informal,759.15,2,none,1,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,18,18-24,middle,tertiary,unemployed,425.2,1,good,1,383,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,53,45-54,middle,secondary,self_employed,79.74,5,none,0,621,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,male,18,18-24,highest,none,self_employed,946.09,3,none,0,598,1,informal_lender,5688.04,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2018,rural,male,25,18-24,second,secondary,self_employed,70.4,6,limited,0,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,male,27,25-34,lowest,secondary,self_employed,44.69,10,good,0,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,26,25-34,middle,primary,employed_informal,303.35,10,good,1,384,1,commercial_bank,6510.66,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2025,rural,female,60,55+,highest,none,unemployed,692.8,4,limited,1,716,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,61,55+,fourth,secondary,employed_formal,892.75,9,good,1,191,1,commercial_bank,5635.73,none,emergency,1,4788.35,0.208,24,241.07,current,not_applicable,moderate_burden
Nigeria,2024,urban,male,54,45-54,highest,tertiary,self_employed,602.45,8,none,1,778,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,44,35-44,lowest,none,farmer,59.09,4,limited,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,male,20,18-24,lowest,tertiary,farmer,90.69,5,none,0,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,61,55+,middle,tertiary,self_employed,72.18,5,none,1,463,1,sacco,3545.67,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2020,rural,female,49,45-54,fourth,primary,employed_formal,662.5,5,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,58,55+,highest,primary,self_employed,940.43,5,limited,0,149,1,informal_lender,7894.98,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2018,rural,male,32,25-34,middle,none,self_employed,265.45,1,excellent,1,204,1,commercial_bank,3183.04,savings,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2025,rural,male,36,35-44,middle,primary,self_employed,686.15,6,none,0,0,1,family_friends,10012.36,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2022,rural,female,63,55+,highest,secondary,employed_informal,1026.11,2,none,1,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,male,59,55+,highest,none,self_employed,946.81,5,none,1,840,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,female,49,45-54,second,secondary,employed_formal,129.42,10,good,1,589,1,commercial_bank,2875.01,guarantor,consumption,1,2343.12,0.21,18,157.53,late_60_days,not_applicable,moderate_burden
Zambia,2018,urban,male,52,45-54,fourth,tertiary,self_employed,410.72,6,none,0,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,24,18-24,fourth,secondary,employed_informal,148.44,8,none,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,30,25-34,highest,primary,self_employed,827.2,6,none,0,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,37,35-44,fourth,none,employed_formal,965.11,10,excellent,1,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,32,25-34,second,primary,employed_informal,55.14,10,limited,0,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,female,21,18-24,middle,tertiary,unemployed,348.79,5,excellent,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,28,25-34,lowest,primary,employed_informal,80.44,6,none,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,female,56,55+,fourth,secondary,unemployed,349.72,3,limited,1,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,male,25,18-24,lowest,primary,employed_informal,103.58,1,none,1,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,22,18-24,middle,primary,employed_informal,195.71,4,none,0,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,male,58,55+,second,primary,farmer,78.7,6,excellent,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,48,45-54,lowest,secondary,self_employed,111.26,7,limited,0,280,1,microfinance,3018.37,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,rural,female,55,45-54,middle,none,farmer,88.8,10,limited,0,574,1,microfinance,9931.7,none,consumption,1,9747.86,0.281,12,1040.49,current,not_applicable,moderate_burden
Nigeria,2019,rural,male,48,45-54,fourth,none,employed_formal,344.95,5,limited,1,52,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,64,55+,lowest,secondary,employed_informal,67.17,6,none,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,20,18-24,second,primary,employed_formal,310.12,10,limited,0,234,1,informal_lender,10931.32,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2021,urban,female,41,35-44,highest,secondary,self_employed,1504.76,3,limited,0,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,56,55+,second,none,farmer,111.65,6,limited,1,653,1,digital_lender,1509.34,guarantor,housing,1,1422.51,0.489,12,176.55,current,not_applicable,moderate_burden
Ghana,2025,rural,female,58,55+,middle,primary,self_employed,83.74,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,36,35-44,fourth,none,farmer,519.49,10,limited,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,male,24,18-24,highest,tertiary,unemployed,1005.17,4,none,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,47,45-54,highest,tertiary,employed_informal,680.42,8,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,39,35-44,second,secondary,unemployed,81.03,5,none,1,745,1,digital_lender,1223.51,savings,debt_consolidation,1,1075.94,0.444,24,64.73,current,not_applicable,moderate_burden
Malawi,2024,rural,female,47,45-54,fourth,none,self_employed,421.47,3,none,1,522,1,microfinance,3213.66,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2024,rural,male,40,35-44,lowest,secondary,farmer,68.87,4,none,0,474,1,sacco,1803.99,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2024,rural,female,50,45-54,middle,none,self_employed,203.39,2,none,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,34,25-34,lowest,secondary,employed_formal,88.0,4,good,0,671,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,female,44,35-44,second,primary,unemployed,102.85,5,none,1,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,28,25-34,middle,primary,farmer,381.63,2,limited,1,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,female,28,25-34,middle,none,self_employed,305.64,6,limited,1,56,1,commercial_bank,9348.54,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2018,rural,female,36,35-44,lowest,secondary,employed_formal,42.92,6,excellent,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,male,45,35-44,fourth,tertiary,employed_informal,439.2,3,limited,0,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,male,24,18-24,lowest,secondary,unemployed,47.38,1,limited,1,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,60,55+,highest,primary,self_employed,1984.44,4,none,0,758,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,47,45-54,middle,none,self_employed,213.69,2,good,1,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,50,45-54,second,tertiary,self_employed,133.99,2,good,0,740,1,microfinance,3589.96,savings,agriculture,1,2939.2,0.285,48,78.7,current,not_applicable,moderate_burden
Ethiopia,2022,rural,male,39,35-44,fourth,none,farmer,388.11,1,limited,1,533,1,digital_lender,4749.42,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2024,rural,female,26,25-34,lowest,primary,self_employed,36.65,8,limited,0,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,male,21,18-24,second,primary,farmer,566.27,6,none,0,23,1,employer,7806.03,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2022,rural,male,33,25-34,highest,primary,self_employed,1357.96,2,none,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,48,45-54,lowest,none,self_employed,106.76,7,none,0,0,1,family_friends,2694.63,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2023,rural,female,52,45-54,fourth,none,farmer,318.34,2,limited,1,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,male,44,35-44,highest,secondary,self_employed,7158.6,4,none,1,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,48,45-54,middle,none,farmer,1471.3,10,limited,0,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,male,60,55+,second,primary,farmer,61.99,3,none,0,199,1,family_friends,3036.6,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2020,urban,female,29,25-34,lowest,primary,employed_informal,119.03,3,limited,0,774,1,family_friends,2462.13,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2024,rural,female,52,45-54,lowest,primary,employed_informal,25.27,5,none,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,female,30,25-34,second,secondary,employed_informal,95.37,1,none,1,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,36,35-44,fourth,none,self_employed,122.23,6,limited,1,38,1,commercial_bank,3966.2,vehicle,business,1,3553.06,0.225,6,725.15,paid_off,not_applicable,moderate_burden
Rwanda,2024,urban,female,62,55+,second,primary,self_employed,116.6,6,excellent,1,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,female,68,55+,lowest,primary,self_employed,92.97,9,excellent,1,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,female,52,45-54,fourth,none,self_employed,619.38,2,good,1,498,1,family_friends,12749.36,none,emergency,1,10900.21,0.062,6,1928.88,late_60_days,not_applicable,moderate_burden
Nigeria,2019,rural,female,29,25-34,second,secondary,self_employed,201.32,5,none,1,375,1,informal_lender,5012.23,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2024,rural,female,47,45-54,middle,tertiary,employed_informal,282.85,5,none,0,424,1,digital_lender,6403.24,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2024,rural,male,22,18-24,fourth,secondary,self_employed,145.46,8,good,1,384,1,sacco,8149.26,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2020,urban,male,52,45-54,fourth,secondary,unemployed,424.12,1,limited,0,345,1,microfinance,10018.08,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2018,urban,female,41,35-44,highest,none,employed_formal,1937.3,9,none,1,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,64,55+,lowest,secondary,self_employed,129.03,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,female,62,55+,fourth,primary,self_employed,350.84,4,none,0,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,25,18-24,second,secondary,farmer,78.25,3,none,1,578,1,microfinance,2699.81,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2018,urban,female,69,55+,lowest,secondary,employed_informal,356.85,9,none,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,69,55+,middle,tertiary,employed_informal,205.46,6,good,0,404,1,informal_lender,11533.54,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2019,urban,female,25,18-24,middle,secondary,farmer,504.87,5,none,1,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,49,45-54,middle,none,employed_informal,216.58,7,limited,0,144,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,female,63,55+,lowest,primary,employed_informal,102.31,3,none,0,626,1,sacco,1046.88,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2018,urban,female,59,55+,lowest,secondary,employed_informal,36.62,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,male,64,55+,second,primary,employed_informal,306.76,9,none,0,375,1,employer,4461.43,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2018,rural,female,55,45-54,middle,primary,employed_informal,286.85,6,limited,0,639,1,informal_lender,7355.25,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2022,rural,male,62,55+,highest,none,farmer,452.11,9,limited,0,586,1,family_friends,4274.27,none,business,1,4056.09,0.046,6,707.24,late_30_days,not_applicable,moderate_burden
Tanzania,2018,urban,male,29,25-34,fourth,secondary,employed_formal,568.28,8,good,0,738,1,digital_lender,12485.98,savings,asset_purchase,1,11076.8,0.408,12,1299.27,paid_off,not_applicable,moderate_burden
Rwanda,2022,rural,male,49,45-54,second,secondary,farmer,249.17,10,limited,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,61,55+,highest,primary,unemployed,3037.28,1,none,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,female,55,45-54,middle,tertiary,unemployed,214.67,1,limited,1,67,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,female,66,55+,second,secondary,unemployed,241.55,6,limited,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,66,55+,second,secondary,employed_informal,206.18,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,22,18-24,middle,secondary,employed_formal,175.45,7,none,0,0,1,employer,5897.55,vehicle,education,1,4910.56,0.047,18,285.59,current,not_applicable,moderate_burden
Senegal,2024,urban,male,37,35-44,second,primary,employed_informal,167.33,9,limited,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,63,55+,lowest,none,employed_formal,68.82,9,none,0,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,43,35-44,highest,secondary,employed_informal,446.56,3,none,1,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,male,66,55+,second,none,farmer,98.14,3,limited,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,57,55+,second,none,self_employed,80.97,3,none,1,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,male,31,25-34,lowest,secondary,employed_formal,43.85,10,none,0,0,1,commercial_bank,832.27,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2024,urban,female,63,55+,second,tertiary,employed_informal,93.22,6,none,1,577,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,female,51,45-54,middle,none,unemployed,217.87,4,none,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,55,45-54,second,none,employed_formal,66.9,8,none,1,586,1,commercial_bank,4693.65,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2025,rural,female,52,45-54,middle,tertiary,self_employed,338.12,1,excellent,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,47,45-54,second,secondary,farmer,99.24,8,good,0,213,1,informal_lender,1754.93,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2018,rural,male,65,55+,lowest,secondary,employed_informal,32.42,8,none,1,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,30,25-34,middle,none,employed_informal,170.08,4,none,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,female,58,55+,second,none,farmer,28.93,1,good,0,136,1,family_friends,2866.05,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2023,rural,male,63,55+,second,tertiary,employed_informal,135.04,9,none,0,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,29,25-34,lowest,primary,unemployed,75.4,1,none,1,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,male,62,55+,lowest,primary,employed_formal,98.47,9,limited,1,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,male,35,25-34,lowest,primary,farmer,59.2,7,none,0,0,1,informal_lender,2986.41,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2022,rural,male,44,35-44,lowest,primary,self_employed,23.53,1,limited,1,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,female,44,35-44,lowest,secondary,employed_informal,77.68,9,limited,1,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,39,35-44,second,tertiary,employed_informal,37.84,6,limited,0,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,male,68,55+,second,none,employed_informal,55.95,2,good,1,682,1,digital_lender,2836.8,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2018,rural,female,31,25-34,highest,primary,self_employed,628.14,9,none,0,624,1,family_friends,7058.53,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2018,rural,female,28,25-34,second,secondary,employed_formal,31.12,5,none,0,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,male,58,55+,highest,none,self_employed,436.54,10,limited,1,666,1,microfinance,4058.0,savings,business,1,3269.53,0.36,24,185.26,paid_off,not_applicable,moderate_burden
Mozambique,2025,rural,male,59,55+,second,primary,employed_formal,78.55,7,none,0,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,34,25-34,second,primary,employed_informal,46.31,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,male,28,25-34,lowest,tertiary,employed_informal,45.89,4,good,0,847,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,31,25-34,second,tertiary,employed_informal,202.4,4,good,0,691,1,family_friends,10039.6,vehicle,education,1,9774.41,0.043,24,424.72,current,not_applicable,moderate_burden
Zambia,2020,urban,male,53,45-54,second,tertiary,employed_formal,229.05,5,limited,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,66,55+,second,none,unemployed,413.11,4,none,0,276,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,female,20,18-24,second,none,unemployed,76.67,2,limited,1,419,1,digital_lender,1415.69,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2022,rural,male,35,25-34,middle,tertiary,self_employed,430.32,7,none,0,407,1,family_friends,7495.64,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2024,rural,female,58,55+,middle,tertiary,farmer,192.66,8,none,1,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,male,45,35-44,highest,secondary,self_employed,740.37,3,none,1,329,1,commercial_bank,6055.53,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2021,urban,male,43,35-44,fourth,primary,employed_informal,1425.33,7,none,1,641,1,microfinance,9789.01,none,business,1,8651.88,0.335,12,962.59,current,not_applicable,moderate_burden
DRC,2020,urban,female,63,55+,second,none,self_employed,186.52,8,limited,0,682,1,family_friends,1516.16,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2018,rural,male,33,25-34,lowest,none,employed_formal,231.29,5,limited,0,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,male,63,55+,highest,secondary,employed_informal,566.31,4,none,0,22,1,informal_lender,6988.95,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2023,rural,female,53,45-54,second,tertiary,farmer,78.09,9,none,1,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,female,61,55+,second,primary,unemployed,40.08,2,limited,0,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,46,45-54,second,none,employed_informal,210.11,4,good,0,184,1,informal_lender,6005.42,guarantor,agriculture,1,5884.83,0.796,12,880.89,late_60_days,not_applicable,moderate_burden
South Africa,2022,rural,male,29,25-34,second,tertiary,unemployed,258.03,4,limited,0,369,1,microfinance,4070.26,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2018,rural,female,29,25-34,highest,secondary,farmer,576.15,8,limited,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,46,45-54,lowest,none,self_employed,80.13,8,none,1,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,56,55+,second,primary,employed_formal,106.56,10,excellent,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,67,55+,second,secondary,farmer,16.97,2,limited,1,394,1,microfinance,1585.04,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2022,rural,male,50,45-54,fourth,primary,self_employed,302.48,5,limited,1,144,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,20,18-24,lowest,none,unemployed,40.91,2,none,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,47,45-54,middle,secondary,employed_formal,197.34,10,limited,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,37,35-44,second,tertiary,farmer,74.41,5,limited,0,416,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,23,18-24,middle,none,farmer,955.96,4,limited,1,191,1,family_friends,4420.88,guarantor,consumption,1,4038.49,0.048,24,176.39,current,not_applicable,moderate_burden
Senegal,2023,rural,male,57,55+,lowest,secondary,self_employed,79.1,4,none,0,671,1,employer,3293.82,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2020,rural,male,64,55+,highest,secondary,farmer,1266.67,6,none,1,628,1,commercial_bank,14013.39,none,business,1,13489.97,0.19,6,2674.83,late_30_days,not_applicable,moderate_burden
Uganda,2023,rural,female,31,25-34,lowest,primary,employed_informal,49.89,1,limited,1,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,male,24,18-24,highest,tertiary,employed_informal,1214.75,8,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,24,18-24,lowest,secondary,farmer,89.56,5,good,1,850,1,microfinance,3673.12,none,business,1,3324.47,0.334,12,369.57,paid_off,not_applicable,moderate_burden
Kenya,2024,rural,male,56,55+,middle,secondary,farmer,241.83,1,limited,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,26,25-34,fourth,secondary,employed_informal,139.85,9,none,1,474,1,digital_lender,9119.41,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,rural,female,32,25-34,lowest,secondary,farmer,89.5,4,limited,0,810,1,digital_lender,2764.21,guarantor,asset_purchase,1,2577.31,0.44,6,618.4,late_30_days,not_applicable,moderate_burden
DRC,2020,urban,male,36,35-44,fourth,secondary,employed_informal,866.55,8,none,0,485,1,informal_lender,16149.13,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2021,urban,female,30,25-34,lowest,secondary,unemployed,66.49,1,none,1,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,male,38,35-44,second,none,farmer,180.68,3,none,1,394,1,commercial_bank,9529.46,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2025,urban,male,49,45-54,lowest,none,employed_formal,78.64,9,none,0,238,1,microfinance,1179.32,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2024,rural,male,24,18-24,second,primary,employed_formal,66.78,10,none,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,41,35-44,fourth,tertiary,farmer,177.9,5,good,1,344,1,digital_lender,1648.72,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2022,rural,male,60,55+,second,secondary,self_employed,162.09,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,male,39,35-44,middle,secondary,self_employed,223.84,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,48,45-54,fourth,secondary,employed_informal,309.92,6,none,1,247,1,commercial_bank,5238.75,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2019,urban,female,68,55+,fourth,secondary,employed_informal,312.92,2,none,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,49,45-54,highest,primary,farmer,1372.7,2,none,0,376,1,family_friends,7502.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2023,urban,male,35,25-34,fourth,secondary,employed_informal,666.94,7,limited,0,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,63,55+,lowest,secondary,self_employed,89.15,9,limited,0,376,1,informal_lender,3449.81,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2022,rural,female,22,18-24,middle,secondary,employed_formal,48.07,4,excellent,1,354,1,commercial_bank,1902.47,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2021,rural,male,35,25-34,lowest,primary,employed_informal,102.27,8,limited,0,101,1,sacco,1638.12,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2023,rural,male,32,25-34,lowest,primary,unemployed,44.2,3,excellent,0,821,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,59,55+,lowest,none,unemployed,25.23,1,good,0,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,49,45-54,lowest,secondary,employed_informal,110.42,3,good,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,41,35-44,middle,tertiary,self_employed,219.3,8,limited,1,154,1,family_friends,3724.99,vehicle,emergency,1,3236.09,0.076,36,96.74,paid_off,not_applicable,moderate_burden
Mozambique,2024,urban,female,20,18-24,lowest,secondary,self_employed,38.62,6,none,1,558,1,digital_lender,4424.53,property,business,1,4168.66,0.462,24,254.01,paid_off,not_applicable,moderate_burden
Uganda,2023,urban,female,69,55+,middle,secondary,farmer,661.53,9,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,25,18-24,fourth,primary,farmer,333.5,4,limited,1,126,1,microfinance,6293.48,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,urban,male,56,55+,fourth,none,unemployed,331.27,1,limited,1,406,1,sacco,3535.81,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2025,urban,male,22,18-24,lowest,none,self_employed,137.79,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,20,18-24,second,primary,farmer,202.09,4,limited,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,male,66,55+,second,primary,employed_formal,100.66,5,limited,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,66,55+,fourth,secondary,employed_informal,592.31,1,none,1,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,22,18-24,lowest,primary,employed_informal,42.08,4,limited,1,552,1,microfinance,3512.29,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2021,urban,male,50,45-54,fourth,none,farmer,475.5,5,none,1,340,1,employer,20752.08,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2020,rural,female,19,18-24,fourth,primary,employed_informal,664.51,5,good,1,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,37,35-44,second,secondary,unemployed,180.02,1,limited,1,449,1,sacco,5432.83,equipment,housing,1,4533.57,0.367,18,344.33,current,not_applicable,moderate_burden
Zambia,2021,rural,male,33,25-34,fourth,primary,employed_informal,301.48,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,male,62,55+,lowest,tertiary,unemployed,175.84,5,limited,0,14,1,sacco,12587.5,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2025,urban,male,63,55+,middle,primary,employed_formal,113.97,6,limited,0,394,1,family_friends,2426.4,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,rural,male,30,25-34,fourth,none,unemployed,379.27,6,none,1,580,1,family_friends,3134.66,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2024,rural,female,52,45-54,fourth,primary,self_employed,1145.11,9,none,0,239,1,informal_lender,14749.41,savings,agriculture,1,14492.45,0.807,24,1090.89,current,not_applicable,moderate_burden
Uganda,2025,rural,female,43,35-44,fourth,primary,unemployed,546.91,3,good,1,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,male,39,35-44,lowest,tertiary,employed_informal,79.21,3,limited,1,558,1,commercial_bank,4520.61,none,agriculture,1,4469.86,0.176,12,438.08,paid_off,not_applicable,moderate_burden
Rwanda,2022,rural,female,53,45-54,lowest,primary,employed_informal,72.23,10,limited,1,723,1,microfinance,9119.46,none,consumption,1,8205.51,0.352,6,1848.69,current,not_applicable,moderate_burden
Mali,2025,urban,female,24,18-24,fourth,secondary,self_employed,62.27,8,none,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,20,18-24,fourth,none,farmer,331.19,6,none,0,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,18,18-24,second,primary,farmer,220.68,4,limited,0,133,1,commercial_bank,3370.17,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2018,rural,female,42,35-44,highest,secondary,farmer,472.86,8,excellent,0,754,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,21,18-24,second,secondary,farmer,154.96,9,none,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,27,25-34,fourth,tertiary,employed_formal,527.73,6,good,0,823,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,male,53,45-54,middle,none,employed_formal,718.97,4,none,0,142,1,informal_lender,15239.65,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2021,urban,female,68,55+,lowest,secondary,unemployed,185.42,4,limited,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,urban,female,43,35-44,middle,tertiary,self_employed,221.45,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,female,27,25-34,lowest,secondary,employed_informal,118.98,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,male,58,55+,middle,secondary,self_employed,14.0,6,none,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,67,55+,second,secondary,self_employed,172.32,6,good,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,urban,female,21,18-24,second,primary,self_employed,73.89,8,good,0,142,1,digital_lender,1302.75,vehicle,business,1,1160.67,0.456,6,281.57,defaulted,not_applicable,high_burden
Senegal,2020,rural,male,35,25-34,highest,primary,employed_informal,259.9,6,none,0,237,1,employer,4436.72,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2019,rural,male,68,55+,middle,none,self_employed,342.58,10,none,0,652,1,informal_lender,5731.61,none,business,1,5553.82,0.775,48,205.34,current,not_applicable,high_burden
South Africa,2019,urban,female,65,55+,lowest,none,employed_formal,142.06,10,none,1,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,female,40,35-44,fourth,secondary,unemployed,258.06,1,limited,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,male,53,45-54,middle,none,self_employed,146.55,1,none,0,731,1,informal_lender,15172.47,savings,business,1,13010.18,0.816,24,984.68,paid_off,not_applicable,high_burden
Nigeria,2022,urban,female,50,45-54,lowest,secondary,self_employed,41.83,4,none,1,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,female,36,35-44,middle,secondary,farmer,204.02,3,good,1,567,1,commercial_bank,3829.76,none,business,1,3634.62,0.144,48,86.61,paid_off,not_applicable,high_burden
Ethiopia,2021,rural,male,64,55+,fourth,primary,employed_informal,255.71,7,none,1,332,1,informal_lender,9873.9,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2025,urban,female,67,55+,fourth,primary,employed_informal,516.29,9,limited,0,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,female,60,55+,fourth,primary,employed_informal,432.81,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,female,46,45-54,fourth,primary,employed_informal,383.28,2,good,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,female,65,55+,fourth,primary,farmer,354.4,7,none,0,683,1,informal_lender,5130.63,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2020,urban,female,40,35-44,fourth,primary,employed_informal,805.63,3,limited,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,39,35-44,second,none,employed_informal,61.93,1,limited,0,780,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,rural,male,58,55+,lowest,primary,self_employed,42.71,5,none,1,562,1,commercial_bank,4020.77,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2023,urban,female,35,25-34,highest,primary,self_employed,1314.75,2,good,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,male,23,18-24,lowest,primary,self_employed,40.97,1,none,0,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,female,50,45-54,fourth,none,farmer,428.41,5,none,0,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,female,53,45-54,highest,secondary,employed_informal,855.95,4,limited,1,431,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,42,35-44,middle,tertiary,self_employed,89.17,3,none,1,736,1,family_friends,1657.84,equipment,consumption,1,1343.55,0.085,12,121.52,current,not_applicable,high_burden
Senegal,2024,urban,female,20,18-24,fourth,primary,farmer,934.96,1,good,0,572,1,informal_lender,12209.77,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Niger,2022,rural,female,36,35-44,middle,none,self_employed,594.97,1,good,0,372,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,female,55,45-54,second,none,employed_informal,313.81,6,none,0,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,female,35,25-34,lowest,tertiary,self_employed,39.89,9,good,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,female,29,25-34,lowest,secondary,self_employed,212.2,2,limited,1,516,1,sacco,746.94,guarantor,agriculture,1,651.09,0.37,18,49.54,late_60_days,not_applicable,high_burden
Mali,2020,rural,male,42,35-44,lowest,secondary,farmer,140.24,1,none,0,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,male,35,25-34,middle,tertiary,self_employed,201.87,10,none,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,male,67,55+,highest,secondary,employed_informal,1141.15,1,none,0,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,male,30,25-34,highest,primary,employed_formal,761.99,7,none,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,female,67,55+,second,primary,self_employed,46.85,2,limited,1,811,1,commercial_bank,1503.7,savings,agriculture,1,1253.93,0.182,24,61.78,late_30_days,not_applicable,high_burden
DRC,2019,rural,male,55,45-54,middle,secondary,employed_informal,589.69,8,good,0,433,1,family_friends,1322.29,none,business,1,1257.6,0.066,12,111.76,current,not_applicable,high_burden
Nigeria,2023,rural,male,21,18-24,fourth,primary,employed_formal,1978.15,10,limited,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,female,67,55+,fourth,tertiary,employed_formal,246.81,6,good,0,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,female,22,18-24,highest,none,employed_informal,1440.97,8,none,1,636,1,commercial_bank,5107.91,equipment,consumption,1,4368.99,0.191,24,216.76,defaulted,not_applicable,high_burden
Mali,2025,rural,male,62,55+,lowest,tertiary,farmer,38.09,5,none,0,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,urban,female,47,45-54,lowest,primary,unemployed,142.6,3,limited,0,399,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,male,47,45-54,second,primary,unemployed,82.69,4,none,1,669,1,commercial_bank,3516.18,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2021,urban,male,67,55+,middle,secondary,self_employed,662.02,1,limited,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,male,62,55+,second,tertiary,employed_formal,110.01,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,female,31,25-34,middle,secondary,self_employed,106.68,1,limited,1,676,1,commercial_bank,7423.52,guarantor,business,1,6753.35,0.147,6,1290.68,current,not_applicable,high_burden
South Africa,2022,rural,female,50,45-54,second,none,employed_formal,77.34,7,none,0,548,1,family_friends,1972.8,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2019,urban,female,23,18-24,highest,primary,self_employed,1592.2,5,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,female,56,55+,lowest,secondary,self_employed,79.04,9,good,1,401,1,sacco,2163.8,guarantor,housing,1,1787.78,0.369,12,203.91,late_30_days,not_applicable,high_burden
Tanzania,2023,rural,male,29,25-34,fourth,primary,self_employed,717.22,1,limited,1,396,1,family_friends,14662.83,property,housing,1,12650.43,0.072,36,376.76,paid_off,not_applicable,high_burden
DRC,2021,urban,male,40,35-44,lowest,none,employed_formal,276.13,8,limited,0,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,male,65,55+,second,secondary,unemployed,139.1,1,good,0,802,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,male,50,45-54,fourth,none,employed_informal,292.32,1,none,1,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,female,66,55+,middle,primary,farmer,602.09,1,none,0,740,1,microfinance,13092.16,savings,business,1,11636.42,0.304,36,421.48,current,not_applicable,high_burden
Niger,2022,urban,female,36,35-44,middle,primary,employed_informal,173.81,9,limited,0,369,1,informal_lender,5518.93,property,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Niger,2025,rural,male,67,55+,lowest,primary,employed_informal,43.41,5,good,0,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,male,42,35-44,lowest,secondary,self_employed,163.17,2,none,0,95,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,male,64,55+,lowest,none,self_employed,137.65,3,limited,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,male,24,18-24,fourth,secondary,self_employed,388.13,1,none,0,0,1,informal_lender,10269.74,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2019,rural,female,34,25-34,second,secondary,farmer,135.83,6,none,0,211,1,informal_lender,2230.31,property,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2022,urban,female,62,55+,fourth,secondary,farmer,300.74,10,limited,0,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,urban,female,18,18-24,second,tertiary,employed_formal,229.23,10,none,0,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,male,66,55+,highest,tertiary,employed_informal,1139.56,5,none,1,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,36,35-44,lowest,none,unemployed,127.06,1,good,1,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,female,46,45-54,fourth,primary,unemployed,613.57,3,none,0,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,male,48,45-54,fourth,primary,farmer,478.02,10,none,1,237,1,microfinance,13880.03,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2020,rural,female,21,18-24,lowest,secondary,employed_formal,244.62,10,limited,1,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,urban,male,52,45-54,fourth,primary,unemployed,636.61,1,good,1,411,1,commercial_bank,2701.52,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2020,rural,female,54,45-54,lowest,none,self_employed,149.28,6,good,0,313,1,family_friends,1596.83,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2023,urban,male,21,18-24,highest,secondary,unemployed,933.67,4,good,1,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,male,37,35-44,middle,primary,employed_formal,888.99,10,excellent,0,181,1,microfinance,21430.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2022,rural,female,53,45-54,second,primary,employed_formal,122.77,10,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,female,40,35-44,highest,none,self_employed,430.23,2,limited,1,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,male,69,55+,fourth,primary,employed_formal,323.03,10,none,1,208,1,commercial_bank,5502.48,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2021,rural,male,40,35-44,second,none,self_employed,380.49,3,none,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,urban,female,27,25-34,second,tertiary,farmer,292.71,2,good,0,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,18,18-24,lowest,tertiary,self_employed,29.95,10,good,1,436,1,commercial_bank,535.86,none,consumption,1,467.28,0.212,6,94.37,late_60_days,not_applicable,high_burden
Uganda,2023,rural,male,19,18-24,fourth,secondary,farmer,586.76,5,limited,0,383,1,family_friends,3747.47,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2019,urban,female,52,45-54,middle,none,employed_informal,352.86,2,none,1,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,21,18-24,second,primary,employed_informal,198.0,1,none,0,0,1,family_friends,4708.03,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2025,rural,female,57,55+,lowest,tertiary,employed_informal,60.92,1,limited,0,806,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,urban,female,67,55+,lowest,secondary,unemployed,81.43,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,male,40,35-44,second,tertiary,unemployed,132.36,4,none,1,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,male,58,55+,fourth,tertiary,self_employed,268.3,4,limited,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,male,37,35-44,lowest,primary,self_employed,66.2,6,none,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,30,25-34,highest,tertiary,employed_informal,479.39,9,none,1,499,1,sacco,7307.21,property,business,1,6914.36,0.306,12,752.34,current,not_applicable,high_burden
Tanzania,2022,urban,female,25,18-24,middle,primary,farmer,232.84,5,none,0,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,female,23,18-24,lowest,tertiary,farmer,93.72,1,excellent,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,urban,male,49,45-54,highest,secondary,employed_informal,497.37,6,none,0,219,1,microfinance,6728.41,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2018,rural,male,19,18-24,lowest,primary,unemployed,203.76,1,good,1,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,male,47,45-54,lowest,tertiary,employed_informal,42.17,1,none,1,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,male,34,25-34,middle,none,unemployed,76.75,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,female,69,55+,highest,secondary,farmer,1336.62,3,none,0,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,urban,female,48,45-54,middle,secondary,farmer,376.36,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,male,53,45-54,second,secondary,employed_informal,39.26,2,none,1,0,1,commercial_bank,4945.73,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2023,urban,female,68,55+,highest,secondary,employed_formal,1641.71,10,none,0,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,61,55+,lowest,primary,self_employed,23.74,9,none,0,497,1,sacco,596.09,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2019,urban,male,57,55+,fourth,primary,unemployed,474.28,5,none,0,0,1,microfinance,11079.25,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2018,rural,male,51,45-54,fourth,secondary,employed_informal,307.29,2,excellent,0,214,1,commercial_bank,11078.63,property,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Niger,2025,urban,male,22,18-24,second,secondary,self_employed,96.3,4,none,1,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,female,30,25-34,fourth,primary,employed_informal,372.46,9,limited,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,64,55+,middle,tertiary,self_employed,494.12,7,limited,0,394,1,informal_lender,2746.4,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2022,rural,male,40,35-44,highest,primary,unemployed,394.33,1,none,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,66,55+,lowest,secondary,self_employed,123.33,10,limited,0,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,male,45,35-44,middle,secondary,farmer,456.47,6,limited,0,179,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,57,55+,highest,primary,farmer,2583.89,7,limited,1,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,female,34,25-34,middle,primary,farmer,96.95,4,good,1,265,1,sacco,2741.49,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2023,rural,male,21,18-24,fourth,primary,farmer,98.31,6,excellent,0,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,male,50,45-54,lowest,primary,self_employed,50.38,3,none,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,female,51,45-54,second,none,farmer,58.49,4,none,1,33,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,female,33,25-34,highest,secondary,employed_formal,427.19,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,61,55+,lowest,primary,unemployed,237.02,3,none,1,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,urban,male,22,18-24,second,none,unemployed,199.82,1,limited,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,24,18-24,fourth,secondary,employed_informal,373.88,2,limited,0,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,urban,female,22,18-24,highest,none,farmer,657.74,9,none,1,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,male,52,45-54,second,secondary,employed_informal,91.64,4,none,0,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,urban,male,53,45-54,second,none,self_employed,100.41,2,none,0,561,1,informal_lender,4879.4,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2022,rural,male,56,55+,fourth,secondary,farmer,330.25,4,limited,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,female,23,18-24,middle,primary,self_employed,150.08,4,limited,0,845,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,male,21,18-24,highest,primary,employed_informal,534.41,6,good,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,male,58,55+,highest,primary,self_employed,1016.1,5,none,0,766,1,family_friends,5966.98,none,business,1,5869.05,0.044,24,255.26,defaulted,not_applicable,high_burden
Niger,2024,rural,female,30,25-34,lowest,none,unemployed,17.65,3,none,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,65,55+,fourth,none,self_employed,800.39,2,excellent,0,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,female,54,45-54,fourth,tertiary,farmer,427.91,3,limited,1,755,1,digital_lender,4073.8,guarantor,education,1,3867.22,0.414,12,455.58,current,not_applicable,high_burden
Rwanda,2018,rural,male,19,18-24,second,secondary,employed_informal,19.49,2,limited,0,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,female,66,55+,lowest,primary,self_employed,32.72,9,limited,1,463,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,female,45,35-44,lowest,none,farmer,305.17,1,limited,1,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,urban,female,38,35-44,lowest,none,farmer,98.73,8,good,1,403,1,sacco,6754.09,vehicle,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2020,rural,male,57,55+,middle,primary,employed_informal,266.15,8,limited,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,male,29,25-34,middle,tertiary,self_employed,434.56,1,limited,1,594,1,sacco,9957.58,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2018,rural,male,59,55+,fourth,primary,employed_informal,297.79,3,limited,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,female,30,25-34,lowest,secondary,employed_informal,117.15,5,excellent,0,333,1,family_friends,3025.31,property,housing,1,2431.83,0.005,6,407.22,current,not_applicable,high_burden
Nigeria,2025,rural,female,61,55+,lowest,none,farmer,8.42,5,none,0,417,1,commercial_bank,1242.54,guarantor,emergency,1,1108.99,0.203,12,111.2,paid_off,not_applicable,high_burden
Zambia,2025,rural,male,44,35-44,highest,none,farmer,700.52,6,limited,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,female,53,45-54,highest,secondary,farmer,522.02,10,limited,0,385,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,51,45-54,middle,primary,farmer,412.3,4,good,0,850,1,informal_lender,8096.62,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2025,rural,male,42,35-44,second,none,employed_informal,68.62,8,excellent,0,633,1,microfinance,1644.34,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Rwanda,2024,urban,female,69,55+,middle,primary,farmer,454.14,7,limited,0,318,1,informal_lender,1394.11,guarantor,agriculture,1,1371.89,0.788,6,408.83,current,not_applicable,high_burden
DRC,2022,rural,female,59,55+,lowest,none,self_employed,61.94,1,good,0,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,21,18-24,highest,primary,unemployed,949.41,1,none,1,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,male,29,25-34,lowest,none,employed_informal,108.04,3,none,1,270,1,microfinance,3854.51,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2024,rural,male,54,45-54,middle,secondary,unemployed,302.61,4,none,1,63,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,male,26,25-34,middle,secondary,unemployed,247.38,6,none,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,male,19,18-24,fourth,secondary,farmer,332.73,8,good,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,female,53,45-54,fourth,secondary,employed_formal,228.54,7,none,0,161,1,sacco,5074.1,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2023,urban,female,27,25-34,middle,none,employed_formal,71.81,7,none,1,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,urban,male,43,35-44,second,tertiary,employed_formal,281.1,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,male,21,18-24,middle,secondary,self_employed,354.33,5,excellent,0,850,1,sacco,14299.42,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2023,rural,female,44,35-44,lowest,primary,self_employed,62.05,8,limited,0,307,1,family_friends,2887.83,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Kenya,2020,rural,female,57,55+,fourth,tertiary,employed_informal,220.3,1,limited,0,667,1,sacco,2159.62,guarantor,education,1,2128.12,0.28,12,226.98,defaulted,not_applicable,high_burden
Kenya,2020,rural,female,58,55+,second,none,unemployed,72.49,4,none,0,390,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,female,23,18-24,middle,tertiary,farmer,263.02,9,none,0,234,1,family_friends,3900.75,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2022,urban,male,27,25-34,second,none,employed_formal,675.15,5,limited,0,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,male,49,45-54,second,primary,self_employed,267.42,8,good,1,193,1,commercial_bank,2250.33,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2023,rural,female,52,45-54,second,primary,employed_informal,69.61,10,limited,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,male,27,25-34,second,none,employed_informal,208.88,3,none,0,738,1,sacco,8159.26,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2022,rural,male,61,55+,lowest,secondary,self_employed,35.55,1,good,1,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,34,25-34,fourth,secondary,self_employed,551.31,1,limited,0,646,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,male,26,25-34,second,tertiary,employed_informal,114.91,8,none,0,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,female,58,55+,lowest,none,unemployed,154.89,6,none,0,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,21,18-24,fourth,secondary,self_employed,365.72,2,limited,1,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,female,57,55+,second,tertiary,employed_formal,100.97,10,good,0,817,1,informal_lender,1609.48,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2018,rural,female,58,55+,second,primary,self_employed,24.0,3,limited,1,625,1,microfinance,865.81,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2025,urban,female,29,25-34,fourth,none,self_employed,685.35,9,limited,1,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,male,26,25-34,highest,primary,self_employed,746.3,5,none,0,360,1,family_friends,5546.99,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2024,rural,male,68,55+,fourth,primary,employed_informal,531.16,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,male,61,55+,second,primary,self_employed,105.25,6,limited,0,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,male,54,45-54,middle,secondary,employed_informal,278.48,10,none,0,423,1,family_friends,6909.1,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2021,urban,female,49,45-54,second,secondary,employed_formal,405.01,10,good,1,850,1,microfinance,3739.62,vehicle,business,1,3720.36,0.314,18,271.65,current,not_applicable,high_burden
Ghana,2024,rural,female,20,18-24,lowest,secondary,unemployed,17.54,5,limited,1,293,1,commercial_bank,7482.24,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2025,rural,male,59,55+,highest,secondary,employed_informal,483.81,1,limited,0,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,female,67,55+,highest,primary,farmer,541.71,2,none,1,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,female,48,45-54,second,secondary,employed_informal,279.38,8,none,0,492,1,employer,2736.2,equipment,business,1,2219.79,0.071,12,198.09,paid_off,not_applicable,high_burden
DRC,2025,rural,male,61,55+,second,secondary,self_employed,77.18,1,none,0,0,1,family_friends,7145.45,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2021,urban,male,30,25-34,lowest,primary,employed_formal,68.27,10,excellent,1,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,female,68,55+,middle,none,farmer,1308.65,9,good,1,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,male,60,55+,middle,tertiary,employed_formal,261.09,5,none,0,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,male,33,25-34,highest,none,farmer,679.15,10,limited,1,790,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,male,60,55+,lowest,tertiary,unemployed,15.59,3,none,0,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,male,51,45-54,fourth,none,self_employed,660.51,2,good,0,241,1,informal_lender,7854.77,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2023,rural,female,65,55+,second,primary,unemployed,124.33,1,none,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,37,35-44,second,primary,farmer,100.58,4,good,0,315,1,informal_lender,11421.33,none,debt_consolidation,1,10357.5,0.782,18,1025.12,late_30_days,not_applicable,high_burden
Uganda,2018,urban,male,47,45-54,lowest,secondary,employed_formal,201.9,9,none,0,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,rural,female,27,25-34,lowest,secondary,self_employed,18.47,4,limited,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,female,18,18-24,middle,none,self_employed,187.97,4,limited,0,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,male,56,55+,lowest,secondary,farmer,124.05,1,none,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,male,26,25-34,highest,tertiary,self_employed,1289.16,1,none,1,217,1,sacco,5579.64,none,agriculture,1,4652.51,0.287,24,249.4,current,not_applicable,high_burden
Senegal,2020,rural,male,26,25-34,second,secondary,farmer,151.61,4,limited,0,495,1,family_friends,2114.91,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2024,urban,male,64,55+,second,secondary,unemployed,37.04,5,none,0,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,female,41,35-44,highest,none,self_employed,840.89,9,excellent,0,850,1,family_friends,7609.45,savings,education,1,6538.58,0.039,24,283.19,current,not_applicable,high_burden
Tanzania,2021,rural,female,50,45-54,highest,primary,farmer,1063.64,6,none,1,666,1,digital_lender,3417.14,none,emergency,1,2773.29,0.431,24,165.32,current,not_applicable,high_burden
DRC,2022,rural,female,67,55+,lowest,primary,unemployed,42.02,4,limited,0,660,1,family_friends,835.37,savings,business,1,763.14,0.093,6,138.97,current,not_applicable,high_burden
Niger,2025,urban,female,48,45-54,highest,secondary,farmer,518.26,7,excellent,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,male,66,55+,fourth,secondary,employed_informal,291.5,4,limited,1,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,male,48,45-54,second,tertiary,employed_formal,288.81,7,none,0,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,female,51,45-54,lowest,none,farmer,184.53,10,none,1,67,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,19,18-24,second,secondary,farmer,98.49,6,none,1,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,rural,female,33,25-34,lowest,primary,unemployed,116.22,5,none,1,39,1,family_friends,9044.44,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2023,urban,female,39,35-44,middle,secondary,unemployed,187.16,1,good,0,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,urban,female,36,35-44,highest,tertiary,farmer,1134.96,5,none,1,394,1,commercial_bank,20341.15,none,housing,1,17042.21,0.224,24,869.09,paid_off,not_applicable,high_burden
Zambia,2024,rural,female,65,55+,highest,primary,farmer,439.33,10,none,1,406,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,male,30,25-34,lowest,none,employed_informal,51.95,4,none,0,584,1,family_friends,2591.6,guarantor,business,1,2248.58,0.087,12,203.61,late_60_days,not_applicable,high_burden
Uganda,2021,urban,male,48,45-54,second,secondary,employed_formal,173.42,7,none,1,0,1,microfinance,1864.78,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2023,rural,female,44,35-44,highest,secondary,employed_informal,530.03,4,none,0,598,1,informal_lender,17355.84,none,housing,1,16701.1,0.822,12,2536.26,defaulted,not_applicable,high_burden
Niger,2025,rural,male,58,55+,fourth,secondary,farmer,301.23,4,excellent,1,321,1,informal_lender,7324.66,vehicle,business,1,6867.73,0.823,24,521.76,current,not_applicable,high_burden
DRC,2024,rural,female,22,18-24,lowest,primary,self_employed,21.19,2,good,1,177,1,informal_lender,2421.41,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2022,rural,male,51,45-54,highest,primary,unemployed,980.5,1,good,0,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,male,44,35-44,middle,primary,farmer,191.51,1,good,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,male,41,35-44,fourth,tertiary,employed_formal,664.95,8,none,0,596,1,family_friends,9303.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Niger,2025,rural,male,42,35-44,second,none,employed_formal,168.08,9,good,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,male,44,35-44,fourth,tertiary,employed_informal,193.08,2,none,0,195,1,commercial_bank,3478.21,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2018,rural,female,48,45-54,second,none,employed_formal,32.25,4,none,0,744,1,informal_lender,1767.64,none,emergency,1,1647.63,0.78,36,81.47,current,not_applicable,high_burden
Mozambique,2024,rural,male,44,35-44,lowest,primary,unemployed,86.11,6,limited,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,female,69,55+,fourth,primary,farmer,745.44,7,good,1,373,1,informal_lender,4304.67,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2020,urban,male,25,18-24,lowest,secondary,farmer,160.56,9,limited,0,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,female,53,45-54,middle,tertiary,employed_informal,469.33,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,female,33,25-34,second,none,employed_formal,350.9,9,good,0,700,1,family_friends,11800.05,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2022,rural,male,30,25-34,lowest,primary,self_employed,207.23,4,limited,0,19,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,female,34,25-34,fourth,none,unemployed,118.14,1,none,1,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,female,31,25-34,lowest,tertiary,employed_informal,35.51,8,limited,0,5,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,female,68,55+,middle,none,farmer,359.37,5,limited,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,49,45-54,fourth,primary,self_employed,1427.02,9,limited,0,807,1,commercial_bank,5731.75,guarantor,asset_purchase,1,5686.41,0.171,18,369.91,current,not_applicable,high_burden
Ethiopia,2025,rural,male,62,55+,highest,none,self_employed,201.97,8,none,0,671,1,commercial_bank,10619.49,none,debt_consolidation,1,9674.19,0.205,24,485.56,current,not_applicable,high_burden
Rwanda,2024,rural,male,42,35-44,middle,secondary,self_employed,398.72,4,good,0,460,1,commercial_bank,3951.32,guarantor,agriculture,1,3291.98,0.139,6,624.84,late_60_days,not_applicable,high_burden
Rwanda,2025,rural,male,24,18-24,middle,primary,farmer,214.22,8,good,0,647,1,sacco,4689.98,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2022,urban,male,30,25-34,fourth,secondary,farmer,817.21,2,none,0,200,1,microfinance,8525.55,guarantor,agriculture,1,6851.62,0.296,18,493.27,current,not_applicable,high_burden
Kenya,2019,urban,male,28,25-34,lowest,tertiary,farmer,65.79,9,none,1,452,1,commercial_bank,1427.29,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2022,rural,female,21,18-24,highest,primary,self_employed,777.27,9,limited,0,679,1,digital_lender,9664.16,none,business,1,9454.5,0.46,48,287.59,late_60_days,not_applicable,high_burden
Mozambique,2025,rural,female,61,55+,fourth,primary,unemployed,232.54,1,none,0,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,female,55,45-54,second,none,employed_informal,85.57,8,none,1,231,1,informal_lender,1432.35,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2025,urban,female,25,18-24,second,secondary,employed_informal,112.93,9,excellent,0,731,1,employer,1990.24,none,business,1,1705.06,0.012,12,143.74,paid_off,not_applicable,high_burden
DRC,2019,rural,female,63,55+,second,primary,self_employed,226.15,10,none,0,444,1,commercial_bank,1552.24,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
South Africa,2023,rural,female,49,45-54,lowest,secondary,employed_informal,23.22,10,limited,1,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,male,18,18-24,middle,secondary,unemployed,140.89,3,none,1,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,43,35-44,lowest,secondary,employed_informal,120.93,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,male,68,55+,second,secondary,unemployed,326.54,2,good,0,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,female,36,35-44,lowest,secondary,employed_informal,86.26,5,none,1,607,1,digital_lender,3283.35,none,asset_purchase,1,2969.69,0.442,24,178.44,late_30_days,not_applicable,high_burden
Senegal,2021,rural,female,28,25-34,second,primary,self_employed,245.47,3,none,0,467,1,commercial_bank,1308.28,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2020,rural,female,25,18-24,middle,secondary,farmer,282.04,1,limited,1,474,1,commercial_bank,8247.29,vehicle,housing,1,6910.45,0.141,12,657.12,current,not_applicable,high_burden
Zambia,2023,rural,male,51,45-54,fourth,none,self_employed,293.61,7,good,0,431,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,male,39,35-44,second,secondary,self_employed,168.38,4,limited,0,467,1,sacco,3472.68,property,agriculture,1,3220.61,0.287,24,172.67,paid_off,not_applicable,high_burden
Uganda,2021,urban,male,47,45-54,second,primary,farmer,37.56,3,none,0,704,1,informal_lender,1594.68,savings,agriculture,1,1541.66,0.77,12,227.45,late_60_days,not_applicable,high_burden
Rwanda,2018,rural,male,68,55+,lowest,primary,farmer,120.11,3,limited,1,277,1,digital_lender,876.58,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2018,rural,male,19,18-24,lowest,secondary,self_employed,34.22,6,none,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,female,29,25-34,lowest,tertiary,employed_informal,40.36,9,limited,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,female,27,25-34,second,none,self_employed,257.39,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,male,59,55+,lowest,none,unemployed,28.53,1,limited,0,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,42,35-44,fourth,tertiary,employed_informal,143.91,3,limited,0,712,1,family_friends,4814.57,guarantor,business,1,4796.21,0.056,12,421.96,current,not_applicable,high_burden
Niger,2019,urban,female,38,35-44,second,secondary,self_employed,205.61,4,none,1,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,male,38,35-44,highest,tertiary,farmer,332.87,6,none,1,800,1,microfinance,3081.82,property,education,1,2548.51,0.342,6,569.81,late_30_days,not_applicable,high_burden
Kenya,2021,urban,male,50,45-54,lowest,primary,employed_informal,174.15,1,none,1,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,female,65,55+,highest,none,employed_informal,1138.84,3,limited,0,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,urban,female,34,25-34,highest,primary,self_employed,1969.03,8,good,1,240,1,informal_lender,6328.27,guarantor,agriculture,1,5971.45,0.781,12,886.17,current,not_applicable,high_burden
DRC,2023,rural,male,64,55+,middle,none,unemployed,180.08,1,limited,1,30,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,female,56,55+,fourth,secondary,self_employed,716.18,6,none,1,236,1,commercial_bank,2448.61,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2019,urban,male,68,55+,middle,primary,self_employed,503.56,3,limited,0,787,1,informal_lender,4797.73,none,business,1,4226.75,0.796,12,632.66,current,not_applicable,high_burden
Rwanda,2023,urban,female,65,55+,lowest,none,employed_formal,138.46,7,good,0,756,1,microfinance,2771.04,savings,business,1,2752.3,0.368,6,627.43,current,not_applicable,high_burden
Mozambique,2024,rural,male,59,55+,fourth,none,farmer,237.85,5,none,1,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,urban,female,50,45-54,second,secondary,self_employed,300.49,1,none,1,705,1,commercial_bank,1576.23,none,business,1,1380.6,0.224,12,140.88,current,not_applicable,high_burden
Nigeria,2023,rural,male,69,55+,lowest,primary,self_employed,36.89,10,limited,1,749,1,commercial_bank,2766.98,guarantor,agriculture,1,2660.21,0.137,12,252.15,late_30_days,not_applicable,high_burden
Uganda,2020,rural,female,19,18-24,middle,primary,employed_informal,219.13,9,limited,0,582,1,informal_lender,11075.14,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Senegal,2024,urban,male,56,55+,second,tertiary,employed_informal,182.58,2,limited,1,475,1,commercial_bank,2338.32,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2018,rural,male,21,18-24,highest,primary,self_employed,428.99,8,limited,0,321,1,family_friends,5002.25,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2018,rural,female,69,55+,fourth,secondary,farmer,112.45,9,good,1,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,urban,female,24,18-24,middle,primary,self_employed,144.27,5,limited,1,521,1,commercial_bank,10453.89,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2020,rural,female,23,18-24,lowest,primary,employed_informal,13.97,2,good,1,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,female,44,35-44,lowest,primary,employed_informal,99.27,9,good,1,134,1,informal_lender,2625.68,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Nigeria,2023,rural,male,54,45-54,second,secondary,farmer,119.53,3,limited,1,465,1,sacco,2065.08,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2018,rural,male,30,25-34,lowest,secondary,farmer,45.53,9,good,1,486,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,male,55,45-54,second,secondary,employed_informal,518.16,2,limited,1,344,1,sacco,8960.99,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
South Africa,2021,rural,female,18,18-24,highest,secondary,self_employed,590.41,4,limited,0,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,male,41,35-44,middle,none,farmer,290.49,2,limited,1,821,1,digital_lender,7600.31,property,business,1,6161.83,0.461,18,500.02,current,not_applicable,high_burden
South Africa,2020,rural,male,57,55+,lowest,none,unemployed,36.92,1,excellent,0,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,male,18,18-24,fourth,tertiary,self_employed,422.73,2,excellent,1,792,1,family_friends,4907.08,none,debt_consolidation,1,3966.63,0.01,12,333.8,current,not_applicable,high_burden
Mali,2024,urban,male,31,25-34,second,none,farmer,96.06,7,limited,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,female,36,35-44,middle,tertiary,employed_informal,488.1,10,good,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,female,62,55+,middle,secondary,self_employed,219.6,3,good,0,850,1,commercial_bank,1305.67,guarantor,education,1,1199.72,0.14,24,56.98,current,not_applicable,high_burden
Nigeria,2022,rural,female,68,55+,highest,secondary,employed_informal,948.81,3,excellent,0,280,1,informal_lender,10324.33,vehicle,housing,1,8748.15,0.81,12,1319.48,current,not_applicable,high_burden
Mali,2024,rural,male,60,55+,second,secondary,self_employed,22.77,10,limited,1,671,1,informal_lender,1680.36,savings,business,1,1585.86,0.784,6,471.52,late_30_days,not_applicable,high_burden
South Africa,2025,urban,female,62,55+,middle,primary,self_employed,341.42,8,none,1,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,female,42,35-44,highest,none,farmer,338.19,5,none,0,234,1,microfinance,1759.64,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2022,rural,female,63,55+,fourth,primary,farmer,145.45,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,female,43,35-44,middle,secondary,farmer,203.0,2,limited,1,146,1,informal_lender,3858.3,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2023,urban,male,37,35-44,fourth,tertiary,farmer,732.02,2,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,male,24,18-24,second,secondary,self_employed,184.95,4,none,1,750,1,commercial_bank,5151.5,none,business,1,4245.15,0.192,12,421.64,current,not_applicable,high_burden
South Africa,2024,rural,male,42,35-44,second,primary,unemployed,67.42,4,limited,0,753,1,commercial_bank,2596.18,none,consumption,1,2226.38,0.221,24,113.25,current,not_applicable,high_burden
Ethiopia,2022,urban,female,28,25-34,second,secondary,farmer,153.96,9,good,1,436,1,employer,3308.93,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2020,urban,female,21,18-24,fourth,primary,farmer,317.67,10,limited,1,641,1,digital_lender,5355.67,guarantor,consumption,1,4850.09,0.427,18,384.45,current,not_applicable,high_burden
Rwanda,2021,rural,female,47,45-54,lowest,secondary,farmer,85.32,4,none,0,717,1,informal_lender,9479.69,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
DRC,2022,urban,female,20,18-24,fourth,secondary,employed_informal,288.57,2,limited,0,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,58,55+,second,none,farmer,484.78,3,good,0,830,1,informal_lender,11572.43,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2018,urban,male,46,45-54,middle,primary,employed_formal,162.09,6,limited,1,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,48,45-54,middle,primary,employed_informal,113.44,7,none,0,179,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,male,62,55+,second,none,self_employed,74.22,6,good,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,urban,female,59,55+,middle,secondary,self_employed,348.08,9,limited,0,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,female,64,55+,second,secondary,farmer,304.49,6,limited,0,340,1,digital_lender,4406.14,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2019,rural,male,38,35-44,middle,secondary,unemployed,476.64,4,excellent,1,700,1,commercial_bank,1298.32,none,business,1,1257.04,0.168,12,122.34,current,not_applicable,high_burden
Tanzania,2022,urban,female,54,45-54,fourth,primary,self_employed,1016.15,2,limited,1,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,female,21,18-24,lowest,primary,employed_formal,44.05,6,good,1,460,1,informal_lender,1341.58,none,housing,1,1236.47,0.849,12,190.51,late_60_days,not_applicable,high_burden
Rwanda,2022,rural,male,27,25-34,highest,primary,unemployed,1554.43,1,limited,1,563,1,informal_lender,10480.05,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2024,rural,male,28,25-34,middle,secondary,self_employed,142.12,2,good,0,380,1,family_friends,1888.49,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2023,urban,female,38,35-44,lowest,tertiary,farmer,121.21,9,none,0,217,1,informal_lender,2668.99,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2020,rural,male,27,25-34,lowest,none,self_employed,41.21,6,limited,0,405,1,sacco,4654.04,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2025,urban,male,63,55+,fourth,secondary,farmer,1742.62,8,none,1,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,male,31,25-34,fourth,none,employed_informal,265.47,8,none,1,272,1,commercial_bank,9318.66,none,agriculture,1,7459.82,0.227,12,762.75,current,not_applicable,high_burden
Uganda,2021,rural,female,42,35-44,highest,secondary,self_employed,1120.25,4,none,1,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,female,56,55+,lowest,secondary,employed_formal,36.23,6,limited,0,55,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,male,25,18-24,lowest,primary,farmer,120.51,8,none,1,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,female,35,25-34,middle,primary,self_employed,122.33,9,limited,0,341,1,informal_lender,5217.65,none,agriculture,1,4178.85,0.814,18,421.14,current,not_applicable,high_burden
Uganda,2022,urban,female,19,18-24,highest,primary,employed_formal,447.35,7,none,1,326,1,commercial_bank,4581.71,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2020,rural,female,30,25-34,lowest,none,employed_formal,112.24,5,good,0,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,female,36,35-44,middle,none,self_employed,86.47,8,limited,0,450,1,microfinance,2078.77,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2022,urban,female,36,35-44,middle,tertiary,unemployed,93.92,5,good,0,637,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,20,18-24,middle,primary,self_employed,122.81,1,none,0,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,male,27,25-34,second,primary,farmer,110.77,10,excellent,0,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,female,39,35-44,middle,tertiary,self_employed,301.99,9,limited,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,male,44,35-44,middle,none,employed_formal,175.82,4,limited,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,male,40,35-44,fourth,primary,employed_formal,157.18,10,excellent,1,850,1,microfinance,6876.2,savings,emergency,1,5968.91,0.352,6,1344.86,late_30_days,not_applicable,high_burden
Ghana,2025,urban,male,22,18-24,second,primary,self_employed,129.96,10,limited,0,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,female,28,25-34,middle,none,employed_formal,483.26,10,limited,0,754,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,female,65,55+,lowest,primary,self_employed,64.12,1,good,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,male,50,45-54,middle,primary,self_employed,179.73,9,excellent,1,522,1,informal_lender,4311.92,savings,business,1,4151.67,0.778,36,205.03,paid_off,not_applicable,high_burden
Senegal,2019,urban,male,43,35-44,lowest,secondary,self_employed,58.33,6,good,0,217,1,family_friends,4342.59,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2018,urban,female,24,18-24,lowest,secondary,employed_informal,43.46,3,none,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,female,48,45-54,lowest,none,farmer,32.67,7,excellent,1,756,1,sacco,1548.93,savings,business,1,1405.03,0.31,12,153.4,late_30_days,not_applicable,high_burden
Nigeria,2024,rural,female,25,18-24,lowest,primary,employed_formal,9.77,6,none,0,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,male,36,35-44,middle,secondary,employed_informal,103.95,8,limited,0,384,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,male,28,25-34,lowest,primary,unemployed,46.32,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,21,18-24,second,none,farmer,258.18,8,limited,1,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,male,25,18-24,middle,secondary,farmer,37.55,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,43,35-44,fourth,secondary,farmer,271.68,9,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,female,38,35-44,fourth,secondary,self_employed,218.34,10,none,1,15,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,51,45-54,second,tertiary,employed_formal,36.06,4,none,0,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,18,18-24,highest,primary,self_employed,390.86,2,none,0,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,female,33,25-34,middle,none,farmer,570.09,4,limited,0,796,1,microfinance,4322.54,none,asset_purchase,1,4008.93,0.293,12,431.86,paid_off,not_applicable,high_burden
Kenya,2024,urban,male,51,45-54,second,none,self_employed,210.43,5,limited,0,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,male,45,35-44,middle,secondary,self_employed,381.55,10,none,0,708,1,digital_lender,5231.12,equipment,asset_purchase,1,4883.18,0.421,24,289.22,current,not_applicable,high_burden
Zambia,2023,rural,female,42,35-44,middle,secondary,unemployed,154.57,6,none,1,215,1,commercial_bank,3736.68,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2022,urban,male,46,45-54,second,none,unemployed,251.41,1,none,1,240,1,digital_lender,5552.67,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2024,rural,female,68,55+,middle,primary,self_employed,156.02,6,none,0,595,1,family_friends,2323.18,none,emergency,1,2256.46,0.092,6,410.52,current,not_applicable,high_burden
Mali,2023,rural,male,54,45-54,highest,secondary,unemployed,422.09,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,male,29,25-34,fourth,secondary,self_employed,1008.01,6,none,1,499,1,commercial_bank,8422.01,none,education,1,7763.39,0.144,18,493.28,current,not_applicable,high_burden
Malawi,2018,rural,female,38,35-44,middle,primary,employed_informal,376.41,6,none,0,233,1,family_friends,7922.71,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2021,urban,female,54,45-54,highest,primary,self_employed,426.67,10,none,1,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,female,39,35-44,lowest,tertiary,self_employed,30.22,7,limited,0,755,1,digital_lender,1999.24,property,business,1,1816.96,0.472,24,111.43,paid_off,not_applicable,high_burden
DRC,2023,urban,female,66,55+,middle,secondary,self_employed,523.26,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,rural,male,67,55+,lowest,none,farmer,75.64,5,none,0,0,1,informal_lender,4417.8,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mali,2023,urban,female,23,18-24,middle,primary,self_employed,708.92,7,limited,1,834,1,microfinance,6464.71,savings,business,1,5265.13,0.365,6,1198.01,current,not_applicable,high_burden
Mali,2020,urban,male,51,45-54,lowest,primary,self_employed,50.55,10,limited,0,401,1,family_friends,6248.6,none,business,1,5745.14,0.029,12,492.61,current,not_applicable,high_burden
South Africa,2023,urban,male,34,25-34,middle,primary,unemployed,75.96,4,limited,0,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,male,27,25-34,fourth,secondary,employed_informal,864.38,1,excellent,1,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,male,24,18-24,second,tertiary,self_employed,116.92,8,good,1,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,urban,male,45,35-44,middle,primary,farmer,184.24,8,limited,0,736,1,family_friends,7496.67,none,business,1,6585.57,0.082,12,593.59,paid_off,not_applicable,high_burden
Ghana,2020,rural,female,23,18-24,second,none,unemployed,32.09,1,good,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,female,45,35-44,highest,none,employed_informal,441.39,10,limited,1,698,1,informal_lender,7277.35,savings,consumption,1,6903.16,0.819,48,261.54,late_30_days,not_applicable,high_burden
Mali,2025,urban,female,45,35-44,second,none,employed_formal,399.6,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,female,25,18-24,second,secondary,farmer,32.68,10,none,1,381,1,commercial_bank,2914.76,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2024,rural,female,50,45-54,middle,primary,self_employed,126.47,3,excellent,1,435,1,digital_lender,3622.05,none,business,1,3535.16,0.474,12,434.35,current,not_applicable,high_burden
Mali,2024,urban,male,63,55+,middle,none,employed_informal,554.86,4,good,0,760,1,informal_lender,5865.17,savings,business,1,5346.22,0.776,24,395.67,current,not_applicable,high_burden
Kenya,2022,rural,male,36,35-44,fourth,secondary,unemployed,313.61,5,none,0,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,male,64,55+,middle,secondary,employed_informal,37.5,1,none,1,0,1,digital_lender,4113.1,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2022,urban,male,44,35-44,highest,secondary,employed_informal,472.11,3,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,male,52,45-54,second,secondary,self_employed,215.74,4,none,0,654,1,digital_lender,1828.84,none,housing,1,1687.24,0.439,18,134.9,current,not_applicable,high_burden
Ghana,2023,rural,male,59,55+,middle,secondary,self_employed,124.68,2,none,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,female,63,55+,highest,secondary,employed_formal,1006.6,8,none,1,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,42,35-44,fourth,secondary,employed_informal,241.1,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,female,21,18-24,lowest,primary,employed_informal,80.52,9,limited,1,848,1,commercial_bank,3300.49,equipment,debt_consolidation,1,3274.06,0.221,6,666.0,paid_off,not_applicable,high_burden
Mozambique,2021,urban,male,39,35-44,fourth,primary,employed_informal,1134.76,7,limited,1,705,1,commercial_bank,6583.91,guarantor,education,1,5459.09,0.187,12,539.95,current,not_applicable,high_burden
Zambia,2020,rural,female,58,55+,lowest,secondary,employed_informal,36.32,6,none,1,670,1,digital_lender,744.01,property,business,1,738.63,0.454,6,179.03,current,not_applicable,high_burden
Nigeria,2020,urban,male,20,18-24,second,secondary,unemployed,76.85,2,limited,1,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,rural,male,62,55+,middle,secondary,self_employed,624.85,5,none,0,501,1,microfinance,19176.4,none,agriculture,1,16947.76,0.304,24,920.97,late_30_days,not_applicable,high_burden
Malawi,2023,rural,female,54,45-54,middle,secondary,self_employed,59.65,10,none,1,136,1,commercial_bank,2881.34,vehicle,housing,1,2573.08,0.14,6,488.93,current,not_applicable,high_burden
Mali,2020,rural,female,32,25-34,fourth,primary,self_employed,175.93,7,good,1,255,1,commercial_bank,8802.06,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2025,urban,male,42,35-44,middle,tertiary,unemployed,507.73,1,good,0,485,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,female,52,45-54,lowest,tertiary,unemployed,44.35,1,none,0,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,urban,male,50,45-54,second,primary,self_employed,373.41,10,excellent,1,306,1,sacco,2847.58,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ethiopia,2024,urban,female,52,45-54,second,primary,self_employed,314.21,8,limited,0,838,1,family_friends,4472.01,none,asset_purchase,1,3982.32,0.099,24,182.38,current,not_applicable,high_burden
Mozambique,2021,urban,male,34,25-34,lowest,secondary,farmer,268.88,1,none,0,0,1,commercial_bank,4487.6,guarantor,emergency,1,4431.19,0.197,48,110.46,defaulted,not_applicable,high_burden
DRC,2019,rural,male,18,18-24,middle,secondary,employed_informal,116.66,8,good,1,105,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,female,39,35-44,second,none,self_employed,28.94,9,good,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,urban,female,31,25-34,lowest,secondary,employed_informal,49.68,4,none,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,female,52,45-54,highest,primary,employed_formal,941.0,10,none,1,442,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,urban,male,51,45-54,lowest,primary,employed_informal,98.18,7,good,0,327,1,digital_lender,7153.66,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2020,rural,female,25,18-24,middle,primary,unemployed,319.64,5,none,1,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,male,57,55+,middle,none,employed_informal,233.81,1,none,0,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,male,58,55+,second,secondary,farmer,71.98,1,good,0,584,1,digital_lender,1081.75,none,asset_purchase,1,945.79,0.423,18,74.75,late_30_days,not_applicable,high_burden
Nigeria,2020,rural,male,66,55+,second,tertiary,farmer,67.77,4,limited,1,615,1,commercial_bank,2844.44,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2021,urban,male,41,35-44,fourth,secondary,unemployed,614.74,1,none,0,451,1,sacco,12687.28,guarantor,consumption,1,10934.99,0.282,18,778.82,current,not_applicable,high_burden
Mali,2023,urban,male,19,18-24,fourth,secondary,self_employed,369.75,6,limited,1,637,1,family_friends,2570.44,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2019,rural,female,44,35-44,lowest,secondary,farmer,106.59,1,none,1,726,1,family_friends,2232.14,none,business,1,2003.15,0.087,24,90.76,current,not_applicable,high_burden
Uganda,2024,urban,female,38,35-44,fourth,secondary,employed_formal,640.16,4,none,1,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,urban,male,41,35-44,lowest,none,farmer,102.32,5,limited,0,655,1,microfinance,677.26,guarantor,agriculture,1,661.24,0.293,12,71.24,current,not_applicable,high_burden
Mozambique,2024,rural,male,32,25-34,highest,secondary,self_employed,342.5,4,limited,1,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,female,57,55+,lowest,secondary,employed_formal,28.87,5,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,male,36,35-44,second,none,self_employed,184.83,10,good,1,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,female,41,35-44,highest,secondary,employed_formal,475.35,9,none,1,847,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,female,33,25-34,second,secondary,farmer,43.65,9,none,0,420,1,informal_lender,1329.16,vehicle,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2022,urban,male,34,25-34,middle,primary,farmer,312.52,8,none,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,urban,female,51,45-54,lowest,secondary,unemployed,53.87,1,limited,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,male,60,55+,fourth,primary,farmer,679.56,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,male,51,45-54,fourth,none,self_employed,209.29,7,none,0,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,urban,female,40,35-44,lowest,secondary,unemployed,216.36,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,male,38,35-44,second,tertiary,farmer,75.66,5,none,0,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,female,30,25-34,lowest,secondary,self_employed,105.43,9,none,0,607,1,family_friends,11663.31,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2024,urban,male,48,45-54,second,none,self_employed,94.68,4,good,1,95,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,female,21,18-24,fourth,primary,self_employed,241.72,3,none,1,195,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,female,60,55+,middle,secondary,farmer,613.65,1,good,1,95,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,female,40,35-44,second,primary,farmer,105.45,2,limited,0,769,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,male,62,55+,highest,secondary,employed_informal,422.59,6,limited,0,563,1,digital_lender,6387.83,none,education,1,5790.22,0.404,36,225.76,current,not_applicable,high_burden
Senegal,2025,urban,female,56,55+,lowest,secondary,unemployed,79.88,1,good,1,383,1,sacco,1497.9,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2023,rural,female,21,18-24,second,secondary,self_employed,38.31,4,limited,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,male,42,35-44,lowest,secondary,employed_formal,43.92,10,none,1,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,urban,female,35,25-34,highest,secondary,employed_formal,1000.24,10,limited,0,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,male,42,35-44,middle,secondary,employed_informal,248.77,2,none,1,431,1,commercial_bank,3786.09,property,agriculture,1,3379.57,0.135,18,213.15,late_60_days,not_applicable,high_burden
DRC,2022,rural,male,66,55+,middle,tertiary,employed_formal,397.44,10,none,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,30,25-34,fourth,primary,self_employed,414.5,5,none,0,375,1,informal_lender,7109.72,guarantor,business,1,6367.74,0.833,24,486.33,current,not_applicable,high_burden
Ghana,2019,rural,male,37,35-44,middle,primary,employed_informal,147.03,6,none,1,468,1,sacco,4761.46,property,consumption,1,4502.76,0.275,36,159.48,late_30_days,not_applicable,high_burden
Niger,2024,rural,male,26,25-34,lowest,none,farmer,65.95,2,limited,1,753,1,digital_lender,1290.77,property,education,1,1182.21,0.474,24,72.59,current,not_applicable,high_burden
Rwanda,2018,rural,male,20,18-24,second,none,farmer,63.94,1,none,1,57,1,commercial_bank,4516.95,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2025,urban,female,32,25-34,highest,primary,employed_informal,278.5,8,limited,1,135,1,family_friends,5586.63,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2018,rural,male,59,55+,highest,primary,farmer,683.13,1,none,0,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,urban,female,62,55+,second,tertiary,employed_formal,122.92,10,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,male,26,25-34,fourth,tertiary,self_employed,2775.31,8,none,0,290,1,microfinance,9237.4,none,asset_purchase,1,8416.25,0.275,12,894.55,current,not_applicable,high_burden
Mali,2024,urban,female,21,18-24,middle,primary,self_employed,223.56,6,limited,1,728,1,microfinance,5229.56,property,education,1,4882.82,0.273,12,518.03,current,not_applicable,high_burden
Zambia,2021,urban,female,38,35-44,lowest,primary,self_employed,206.81,5,good,0,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,male,38,35-44,second,tertiary,farmer,477.79,5,good,1,537,1,commercial_bank,10114.04,guarantor,housing,1,8992.31,0.187,12,889.36,current,not_applicable,high_burden
Tanzania,2021,urban,male,57,55+,second,secondary,self_employed,184.22,2,good,1,738,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,rural,female,59,55+,middle,primary,self_employed,174.41,1,limited,1,227,1,commercial_bank,1495.17,guarantor,housing,1,1204.71,0.214,12,121.91,late_30_days,not_applicable,high_burden
Kenya,2019,urban,male,41,35-44,lowest,primary,unemployed,146.07,6,none,0,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,male,23,18-24,second,primary,farmer,176.28,10,limited,1,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,female,41,35-44,lowest,primary,employed_informal,21.69,4,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,female,36,35-44,fourth,secondary,employed_formal,371.74,10,none,0,425,1,family_friends,5213.22,savings,business,1,4939.04,0.038,48,106.78,current,not_applicable,high_burden
Zambia,2019,rural,male,32,25-34,fourth,primary,employed_informal,449.64,6,good,1,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,66,55+,middle,primary,employed_informal,266.76,1,excellent,1,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,female,68,55+,middle,primary,farmer,940.72,7,none,1,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,female,20,18-24,second,tertiary,self_employed,162.99,10,limited,0,756,1,family_friends,6811.18,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2019,rural,female,42,35-44,second,secondary,employed_informal,155.13,6,limited,1,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,male,37,35-44,lowest,secondary,self_employed,102.57,4,none,1,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,male,61,55+,middle,secondary,farmer,727.67,10,limited,0,622,1,digital_lender,6449.75,property,education,1,5729.81,0.44,24,343.81,current,not_applicable,high_burden
Ghana,2025,urban,female,56,55+,lowest,none,farmer,138.8,8,good,1,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,male,25,18-24,lowest,secondary,employed_informal,44.85,3,excellent,1,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,45,35-44,highest,secondary,employed_formal,571.22,8,none,1,95,1,commercial_bank,3982.12,savings,business,1,3413.71,0.168,6,664.54,current,not_applicable,high_burden
Ghana,2025,rural,male,32,25-34,middle,primary,self_employed,371.16,9,good,1,850,1,commercial_bank,10898.02,none,housing,1,9162.87,0.214,18,617.87,defaulted,not_applicable,high_burden
Mali,2020,rural,male,53,45-54,middle,none,farmer,83.99,2,none,0,23,1,digital_lender,3576.09,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
DRC,2019,rural,male,64,55+,highest,primary,employed_formal,712.02,10,excellent,1,322,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,male,63,55+,highest,primary,employed_informal,253.71,7,good,1,593,1,microfinance,9504.52,property,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2025,urban,female,33,25-34,lowest,none,self_employed,50.66,9,none,0,631,1,microfinance,1819.99,none,consumption,1,1785.2,0.289,24,95.87,late_30_days,not_applicable,high_burden
Mali,2023,rural,female,42,35-44,lowest,primary,employed_informal,91.0,4,limited,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,male,18,18-24,second,primary,unemployed,176.15,1,none,0,637,1,informal_lender,6830.46,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2021,rural,male,65,55+,highest,none,self_employed,2002.75,8,none,1,20,1,microfinance,6293.47,savings,agriculture,1,6037.52,0.28,12,644.18,late_30_days,not_applicable,high_burden
Rwanda,2018,rural,female,67,55+,second,primary,unemployed,65.99,1,good,1,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,32,25-34,middle,none,farmer,90.4,6,none,0,27,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,male,47,45-54,lowest,tertiary,self_employed,359.58,6,none,0,119,1,family_friends,3624.59,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Niger,2018,urban,male,45,35-44,middle,none,self_employed,256.41,6,none,0,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,urban,male,37,35-44,fourth,tertiary,employed_informal,663.2,8,good,0,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,male,31,25-34,lowest,primary,farmer,195.58,1,none,0,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,female,50,45-54,middle,primary,self_employed,378.03,4,none,1,735,1,commercial_bank,18191.34,equipment,debt_consolidation,1,16015.64,0.218,18,1083.85,current,not_applicable,high_burden
Niger,2023,rural,male,51,45-54,middle,secondary,unemployed,204.72,1,excellent,1,850,1,commercial_bank,1394.08,savings,business,1,1319.74,0.148,6,252.62,paid_off,not_applicable,high_burden
Zambia,2018,rural,male,63,55+,middle,secondary,employed_informal,195.39,3,none,1,588,1,commercial_bank,3095.29,equipment,business,1,2493.97,0.137,6,472.54,current,not_applicable,high_burden
Nigeria,2020,rural,male,26,25-34,second,primary,employed_formal,61.29,10,good,0,581,1,family_friends,4101.87,property,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Malawi,2023,urban,female,68,55+,lowest,primary,employed_informal,105.52,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,male,42,35-44,second,none,employed_informal,118.97,3,limited,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,female,35,25-34,second,secondary,employed_formal,170.99,5,none,1,502,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,male,46,45-54,second,secondary,unemployed,62.0,5,limited,0,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,male,45,35-44,fourth,secondary,employed_informal,326.16,2,none,1,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,rural,female,66,55+,fourth,none,employed_formal,939.35,10,none,0,389,1,informal_lender,7563.97,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Malawi,2022,urban,female,23,18-24,lowest,secondary,farmer,51.63,4,none,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,rural,male,23,18-24,highest,none,employed_informal,676.24,1,good,1,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,urban,female,62,55+,highest,primary,self_employed,498.87,2,none,1,51,1,sacco,5528.76,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2018,urban,male,47,45-54,fourth,secondary,employed_informal,246.76,10,none,0,327,1,family_friends,4714.07,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2025,rural,female,24,18-24,lowest,primary,self_employed,29.55,10,none,1,272,1,family_friends,1418.15,none,agriculture,1,1260.7,0.016,18,71.17,paid_off,not_applicable,high_burden
Ethiopia,2024,urban,male,33,25-34,second,primary,self_employed,180.22,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,male,27,25-34,lowest,secondary,self_employed,69.96,4,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,male,54,45-54,lowest,secondary,employed_informal,105.27,3,none,1,86,1,family_friends,6930.55,guarantor,housing,1,5752.74,0.095,36,174.94,paid_off,not_applicable,high_burden
Niger,2021,rural,female,38,35-44,lowest,secondary,employed_informal,43.23,6,none,1,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,male,28,25-34,second,primary,employed_informal,69.83,7,limited,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,urban,female,61,55+,middle,primary,farmer,80.7,6,limited,1,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,female,29,25-34,fourth,primary,employed_informal,1742.7,2,limited,0,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,female,64,55+,second,secondary,employed_informal,194.69,3,excellent,0,800,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,female,47,45-54,middle,primary,unemployed,387.55,1,none,0,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,urban,female,68,55+,lowest,primary,unemployed,100.8,1,none,1,288,1,commercial_bank,1243.99,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2025,urban,male,67,55+,lowest,none,self_employed,77.79,7,none,0,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,male,24,18-24,highest,secondary,employed_informal,392.53,8,none,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,male,64,55+,middle,primary,farmer,187.3,8,none,0,515,1,microfinance,8740.63,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2024,rural,female,68,55+,second,secondary,unemployed,140.68,6,none,0,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,female,53,45-54,second,primary,self_employed,85.27,5,good,0,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,56,55+,lowest,none,employed_informal,72.03,2,none,1,17,1,commercial_bank,2985.79,property,business,1,2820.14,0.202,18,188.25,current,not_applicable,high_burden
DRC,2025,rural,female,69,55+,second,secondary,unemployed,183.17,2,none,0,84,1,digital_lender,3898.94,none,business,1,3300.7,0.451,12,399.21,current,not_applicable,high_burden
Uganda,2022,urban,male,42,35-44,middle,secondary,farmer,473.5,1,none,0,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,female,21,18-24,lowest,tertiary,farmer,84.54,6,limited,1,142,1,commercial_bank,2363.34,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2024,urban,female,37,35-44,lowest,secondary,self_employed,53.85,7,excellent,0,459,1,commercial_bank,755.12,equipment,asset_purchase,1,703.9,0.199,36,23.45,defaulted,not_applicable,high_burden
Ghana,2021,urban,female,30,25-34,fourth,tertiary,unemployed,325.54,3,none,0,744,1,informal_lender,2334.88,none,business,1,2240.62,0.812,6,676.59,late_30_days,not_applicable,high_burden
Ethiopia,2020,rural,female,48,45-54,fourth,none,unemployed,400.47,6,limited,0,374,1,microfinance,8652.93,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2020,urban,male,42,35-44,fourth,tertiary,self_employed,497.54,3,limited,1,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,male,35,25-34,fourth,primary,farmer,275.24,5,good,1,481,1,digital_lender,8185.72,none,emergency,1,6693.76,0.471,18,547.13,late_30_days,not_applicable,high_burden
Niger,2022,rural,female,65,55+,second,primary,employed_formal,70.6,6,limited,1,82,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,urban,male,20,18-24,middle,primary,employed_informal,206.99,2,none,1,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,urban,male,24,18-24,second,tertiary,self_employed,142.56,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,female,32,25-34,lowest,secondary,farmer,88.63,4,none,1,644,1,commercial_bank,3611.51,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2018,rural,female,24,18-24,middle,none,employed_formal,321.34,6,good,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,female,38,35-44,fourth,none,employed_informal,674.2,1,limited,0,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,64,55+,lowest,secondary,employed_formal,100.73,10,limited,1,253,1,sacco,6010.96,none,emergency,1,4877.09,0.304,24,265.03,late_60_days,not_applicable,high_burden
Malawi,2025,rural,male,21,18-24,lowest,primary,unemployed,126.37,4,none,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,66,55+,lowest,none,self_employed,65.88,1,limited,0,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,male,57,55+,middle,primary,employed_informal,73.67,1,limited,1,216,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,female,37,35-44,lowest,secondary,employed_informal,17.7,1,limited,0,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,23,18-24,fourth,none,self_employed,179.42,10,none,1,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,20,18-24,middle,none,employed_informal,230.55,5,none,1,181,1,digital_lender,10029.58,property,education,1,8791.2,0.411,36,344.54,current,not_applicable,high_burden
Malawi,2021,rural,male,27,25-34,fourth,tertiary,employed_informal,158.51,7,none,0,16,1,sacco,3144.47,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2019,rural,male,19,18-24,second,tertiary,employed_formal,335.38,5,none,0,508,1,informal_lender,4614.43,none,emergency,1,3736.18,0.833,36,190.19,current,not_applicable,high_burden
Zambia,2025,rural,male,30,25-34,highest,secondary,employed_informal,512.0,2,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,urban,male,57,55+,middle,tertiary,self_employed,223.84,8,limited,1,841,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,male,59,55+,highest,secondary,farmer,298.12,8,none,0,670,1,commercial_bank,7173.34,vehicle,business,1,5893.46,0.204,18,394.32,current,not_applicable,high_burden
Nigeria,2023,urban,male,26,25-34,second,none,employed_informal,136.26,10,none,1,690,1,sacco,3384.88,guarantor,education,1,2906.03,0.346,12,325.86,paid_off,not_applicable,high_burden
South Africa,2022,urban,male,61,55+,second,tertiary,employed_informal,166.51,7,limited,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,female,46,45-54,fourth,primary,employed_formal,426.52,8,good,1,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,urban,female,19,18-24,fourth,primary,employed_informal,491.59,8,limited,0,793,1,microfinance,4217.39,property,agriculture,1,3816.81,0.324,24,210.53,current,not_applicable,high_burden
Tanzania,2021,urban,female,64,55+,second,primary,employed_informal,105.08,5,good,0,686,1,informal_lender,6937.09,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2023,urban,female,42,35-44,second,none,self_employed,329.16,2,limited,1,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,female,46,45-54,second,secondary,employed_informal,175.63,7,limited,0,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,female,25,18-24,lowest,primary,self_employed,66.49,2,none,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,urban,female,34,25-34,middle,none,farmer,311.01,2,none,1,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,male,61,55+,fourth,secondary,self_employed,598.49,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,male,36,35-44,lowest,none,farmer,33.2,10,none,1,353,1,commercial_bank,3838.81,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mozambique,2019,urban,female,50,45-54,middle,secondary,employed_informal,96.21,8,none,1,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,female,25,18-24,highest,primary,employed_informal,528.91,10,limited,0,844,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,urban,male,62,55+,middle,none,self_employed,265.91,9,good,0,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,urban,female,31,25-34,lowest,primary,employed_informal,64.84,9,limited,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,female,45,35-44,middle,primary,farmer,283.46,1,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,urban,female,48,45-54,fourth,secondary,employed_formal,886.91,8,excellent,0,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,female,23,18-24,middle,none,farmer,42.94,8,good,1,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,urban,female,61,55+,middle,secondary,self_employed,383.17,2,good,0,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,female,49,45-54,middle,secondary,unemployed,523.55,5,limited,1,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,female,55,45-54,lowest,primary,self_employed,180.95,9,good,0,185,1,informal_lender,2243.39,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2019,rural,female,29,25-34,second,secondary,self_employed,175.75,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,female,23,18-24,middle,tertiary,farmer,35.35,6,none,1,280,1,commercial_bank,1169.93,guarantor,business,1,1047.71,0.218,12,106.38,paid_off,not_applicable,high_burden
Tanzania,2021,urban,female,43,35-44,highest,primary,farmer,1383.76,7,none,0,756,1,digital_lender,13027.18,guarantor,housing,1,11207.1,0.489,12,1390.71,current,not_applicable,high_burden
Tanzania,2018,rural,male,20,18-24,middle,tertiary,unemployed,43.53,3,limited,0,809,1,digital_lender,2079.64,savings,housing,1,1841.44,0.465,12,224.77,late_30_days,not_applicable,high_burden
Senegal,2025,urban,female,25,18-24,lowest,primary,farmer,75.04,9,limited,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,female,69,55+,second,secondary,employed_formal,149.8,9,excellent,1,179,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,urban,male,42,35-44,second,none,farmer,91.85,7,none,1,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,female,40,35-44,lowest,primary,farmer,111.79,8,none,1,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,urban,female,22,18-24,second,tertiary,self_employed,81.19,8,limited,1,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,female,22,18-24,fourth,primary,employed_informal,213.03,4,none,1,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,urban,female,25,18-24,middle,tertiary,employed_informal,105.23,6,good,0,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,female,24,18-24,middle,none,self_employed,178.07,5,limited,1,136,1,commercial_bank,6336.31,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2022,rural,female,25,18-24,lowest,primary,employed_informal,29.28,2,limited,0,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,49,45-54,middle,none,farmer,87.37,2,none,1,2,1,family_friends,4442.86,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2019,urban,female,26,25-34,lowest,secondary,farmer,69.06,5,excellent,1,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,22,18-24,lowest,tertiary,unemployed,43.54,5,limited,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,female,46,45-54,middle,secondary,employed_informal,79.67,10,none,1,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,female,44,35-44,second,secondary,self_employed,594.52,5,none,0,564,1,family_friends,3264.48,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2018,rural,female,66,55+,lowest,tertiary,self_employed,27.72,10,good,1,372,1,microfinance,1976.06,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2022,urban,female,23,18-24,highest,secondary,employed_formal,759.02,7,limited,1,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,urban,male,23,18-24,middle,primary,employed_formal,960.37,10,limited,1,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,male,69,55+,middle,secondary,unemployed,67.18,2,good,0,640,1,family_friends,3035.94,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2025,rural,female,53,45-54,fourth,secondary,employed_formal,198.39,10,none,0,465,1,commercial_bank,6967.34,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2025,rural,female,60,55+,middle,primary,employed_informal,267.13,4,good,0,850,1,microfinance,3715.29,none,agriculture,1,3029.49,0.363,12,344.2,current,not_applicable,high_burden
DRC,2024,urban,female,55,45-54,middle,none,self_employed,242.44,10,good,1,311,1,commercial_bank,2353.17,guarantor,business,1,2073.91,0.182,6,408.48,current,not_applicable,high_burden
Mozambique,2022,rural,male,63,55+,highest,secondary,unemployed,850.59,2,none,0,694,1,digital_lender,13201.13,equipment,business,1,11247.47,0.472,18,919.54,late_60_days,not_applicable,high_burden
Malawi,2022,rural,male,51,45-54,middle,secondary,farmer,106.27,3,good,0,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,female,64,55+,fourth,secondary,unemployed,2113.5,6,limited,1,820,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,urban,male,42,35-44,fourth,tertiary,farmer,1846.89,4,limited,0,751,1,informal_lender,15211.51,none,business,1,13891.08,0.752,48,507.03,defaulted,not_applicable,high_burden
DRC,2018,rural,female,38,35-44,second,none,self_employed,57.9,1,limited,0,335,1,employer,3709.05,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2020,urban,female,26,25-34,second,secondary,employed_informal,1248.17,1,limited,0,302,1,informal_lender,27379.72,equipment,business,1,25038.03,0.838,12,3834.3,current,not_applicable,high_burden
Ghana,2023,rural,female,28,25-34,second,tertiary,employed_informal,145.39,2,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,female,44,35-44,highest,primary,unemployed,1402.05,2,limited,0,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,female,60,55+,middle,primary,farmer,270.68,7,excellent,0,727,1,commercial_bank,2271.11,equipment,emergency,1,2151.94,0.191,6,427.33,current,not_applicable,high_burden
Kenya,2023,urban,male,57,55+,fourth,primary,self_employed,111.06,9,limited,1,666,1,commercial_bank,4726.55,savings,debt_consolidation,1,3847.89,0.186,12,380.33,current,not_applicable,high_burden
DRC,2025,rural,male,49,45-54,middle,tertiary,self_employed,273.53,7,none,1,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,female,55,45-54,lowest,primary,unemployed,35.08,6,none,1,133,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,male,18,18-24,middle,primary,self_employed,129.42,5,good,0,142,1,informal_lender,8708.32,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2024,urban,male,30,25-34,second,primary,self_employed,164.01,6,limited,1,358,1,digital_lender,2697.07,property,business,1,2584.21,0.406,18,201.82,late_30_days,not_applicable,high_burden
Rwanda,2022,urban,male,36,35-44,middle,secondary,farmer,534.67,7,limited,0,465,1,sacco,14563.67,savings,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2021,rural,female,42,35-44,fourth,primary,unemployed,1410.8,6,good,0,603,1,employer,102960.25,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2023,rural,female,58,55+,middle,none,self_employed,103.31,4,none,1,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,urban,female,40,35-44,lowest,secondary,farmer,33.79,5,good,1,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,male,51,45-54,second,secondary,employed_informal,171.15,9,limited,1,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,42,35-44,middle,secondary,self_employed,113.32,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,male,69,55+,fourth,primary,self_employed,139.28,9,none,0,403,1,sacco,1718.88,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2019,urban,female,27,25-34,highest,primary,employed_formal,9588.37,6,limited,1,777,1,commercial_bank,4811.75,savings,housing,1,4736.02,0.188,12,468.9,paid_off,not_applicable,high_burden
Uganda,2024,rural,female,25,18-24,fourth,secondary,unemployed,291.32,2,limited,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,female,51,45-54,fourth,tertiary,farmer,179.21,5,limited,0,839,1,sacco,4635.7,equipment,agriculture,1,4139.81,0.286,18,295.71,current,not_applicable,high_burden
Ethiopia,2025,rural,female,30,25-34,second,secondary,self_employed,99.54,4,good,1,111,1,digital_lender,2870.97,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2020,urban,male,52,45-54,middle,tertiary,self_employed,754.87,1,limited,1,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,urban,male,32,25-34,fourth,secondary,self_employed,224.17,2,good,0,201,1,informal_lender,3110.79,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2019,rural,male,57,55+,middle,secondary,employed_informal,525.17,9,excellent,0,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,male,65,55+,fourth,secondary,employed_informal,1780.3,6,limited,1,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,male,41,35-44,second,primary,employed_formal,138.0,8,none,1,423,1,digital_lender,5176.7,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2018,urban,male,39,35-44,lowest,primary,self_employed,125.24,1,none,0,202,1,informal_lender,15054.93,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2024,urban,female,54,45-54,lowest,secondary,employed_informal,41.73,6,none,1,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,52,45-54,fourth,tertiary,employed_informal,199.45,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,female,19,18-24,middle,none,self_employed,76.17,2,none,0,0,1,sacco,5126.54,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2018,rural,male,35,25-34,fourth,secondary,farmer,403.98,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,male,46,45-54,lowest,none,self_employed,36.79,6,good,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,female,56,55+,highest,primary,employed_formal,3519.02,10,good,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,male,49,45-54,highest,tertiary,employed_informal,1076.95,1,none,1,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,female,39,35-44,lowest,secondary,employed_formal,210.3,7,excellent,0,531,1,digital_lender,7681.91,vehicle,business,1,6146.59,0.462,24,374.35,current,not_applicable,high_burden
Kenya,2020,urban,female,63,55+,lowest,secondary,farmer,26.8,5,limited,1,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,male,23,18-24,lowest,tertiary,employed_formal,147.93,10,limited,1,228,1,family_friends,6139.5,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2021,urban,female,67,55+,lowest,none,self_employed,191.03,10,none,1,281,1,microfinance,5729.05,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Malawi,2018,rural,male,64,55+,second,primary,farmer,71.42,8,none,1,684,1,microfinance,4179.31,guarantor,business,1,3423.35,0.359,18,258.44,current,not_applicable,high_burden
Uganda,2023,urban,female,52,45-54,lowest,secondary,unemployed,180.43,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,female,43,35-44,fourth,secondary,farmer,448.24,3,excellent,0,802,1,sacco,9962.9,guarantor,business,1,9488.89,0.294,12,1022.99,current,not_applicable,high_burden
Mali,2022,urban,female,66,55+,lowest,secondary,employed_formal,84.64,9,none,0,157,1,family_friends,3669.66,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2019,urban,female,62,55+,highest,primary,employed_formal,816.34,4,none,1,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,47,45-54,lowest,secondary,employed_informal,108.88,6,none,1,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,male,21,18-24,lowest,secondary,self_employed,38.33,3,none,0,366,1,sacco,3563.11,equipment,business,1,2964.3,0.289,18,212.2,current,not_applicable,high_burden
Mozambique,2021,urban,female,51,45-54,middle,tertiary,self_employed,150.94,10,none,0,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,female,64,55+,middle,none,self_employed,213.41,9,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,urban,female,55,45-54,lowest,primary,self_employed,296.64,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,18,18-24,fourth,tertiary,farmer,569.51,8,none,0,3,1,informal_lender,5240.02,vehicle,housing,1,4584.65,0.803,24,344.49,late_30_days,not_applicable,high_burden
Mali,2020,rural,female,46,45-54,fourth,secondary,employed_informal,283.82,4,none,1,271,1,commercial_bank,1016.62,property,agriculture,1,848.65,0.203,24,42.52,defaulted,not_applicable,high_burden
Zambia,2019,rural,female,47,45-54,lowest,primary,employed_formal,75.91,10,none,0,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,male,20,18-24,fourth,secondary,employed_informal,896.68,1,limited,1,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,25,18-24,lowest,secondary,self_employed,51.33,9,good,1,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,urban,female,18,18-24,middle,secondary,employed_informal,155.32,5,limited,1,542,1,sacco,8486.62,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2021,rural,male,46,45-54,lowest,primary,employed_informal,47.38,1,good,0,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,female,20,18-24,highest,none,farmer,848.85,3,good,1,844,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,female,60,55+,fourth,primary,self_employed,436.21,2,limited,1,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,male,56,55+,fourth,tertiary,farmer,545.01,8,none,0,38,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,26,25-34,fourth,primary,self_employed,235.92,9,limited,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,female,56,55+,highest,none,employed_formal,299.25,4,limited,0,280,1,digital_lender,3562.79,vehicle,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2021,rural,female,57,55+,lowest,primary,farmer,38.9,7,limited,0,494,1,microfinance,1352.13,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2020,rural,male,68,55+,middle,tertiary,employed_informal,441.1,5,none,0,461,1,informal_lender,4563.86,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2019,rural,female,22,18-24,highest,none,self_employed,404.67,2,none,1,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,male,30,25-34,highest,primary,unemployed,3208.12,1,good,1,218,1,commercial_bank,7438.87,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2021,rural,male,31,25-34,lowest,none,self_employed,62.36,5,none,0,399,1,family_friends,4346.7,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2020,urban,male,60,55+,second,primary,self_employed,414.05,4,none,0,39,1,sacco,26319.72,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2023,urban,female,20,18-24,second,secondary,unemployed,1113.64,3,limited,1,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,rural,female,40,35-44,fourth,primary,employed_informal,134.14,6,none,0,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,female,61,55+,fourth,none,employed_informal,98.98,7,none,0,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,male,69,55+,second,none,employed_formal,89.83,7,none,0,448,1,family_friends,7613.94,savings,housing,1,6854.35,0.041,36,198.14,current,not_applicable,high_burden
Rwanda,2024,urban,female,35,25-34,fourth,primary,employed_informal,1034.29,5,none,1,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,male,26,25-34,second,secondary,employed_formal,158.16,10,limited,1,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,male,54,45-54,lowest,tertiary,self_employed,124.55,10,limited,1,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,32,25-34,lowest,primary,employed_informal,29.77,3,none,1,390,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,female,26,25-34,second,secondary,self_employed,133.5,5,limited,0,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,female,51,45-54,second,none,employed_formal,136.21,7,limited,0,754,1,informal_lender,3538.14,savings,agriculture,1,3145.52,0.791,12,469.57,current,not_applicable,high_burden
South Africa,2023,rural,female,39,35-44,middle,tertiary,farmer,286.53,1,none,0,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,male,24,18-24,middle,secondary,farmer,126.02,5,good,0,750,1,commercial_bank,1729.57,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Malawi,2023,rural,male,37,35-44,lowest,secondary,farmer,160.68,10,none,1,426,1,commercial_bank,6278.29,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2021,rural,male,38,35-44,lowest,none,farmer,111.3,7,none,1,458,1,microfinance,5332.29,guarantor,business,1,5242.37,0.296,18,377.58,current,not_applicable,high_burden
Ghana,2021,rural,male,48,45-54,lowest,primary,self_employed,102.71,5,limited,0,293,1,microfinance,6750.35,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2023,rural,male,18,18-24,highest,primary,employed_formal,2490.96,10,none,1,312,1,commercial_bank,13607.43,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2024,rural,male,27,25-34,lowest,primary,farmer,63.02,3,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,male,51,45-54,second,secondary,self_employed,406.07,4,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,female,20,18-24,middle,primary,farmer,133.85,10,none,1,325,1,commercial_bank,2567.77,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2022,urban,male,49,45-54,lowest,secondary,self_employed,85.18,7,none,0,116,1,digital_lender,4514.38,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2021,urban,male,67,55+,middle,none,self_employed,388.08,5,none,1,267,1,family_friends,10351.35,none,consumption,1,8310.61,0.073,6,1486.4,late_60_days,not_applicable,high_burden
South Africa,2018,rural,male,31,25-34,second,secondary,self_employed,33.02,2,good,1,627,1,family_friends,980.36,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2018,urban,female,63,55+,lowest,primary,self_employed,93.59,1,none,1,572,1,informal_lender,2885.34,property,business,1,2401.62,0.828,24,182.96,current,not_applicable,high_burden
South Africa,2020,rural,female,65,55+,fourth,primary,employed_informal,831.13,6,limited,1,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,female,64,55+,lowest,none,farmer,195.37,7,none,1,510,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,female,19,18-24,fourth,none,employed_formal,266.28,5,none,0,82,1,family_friends,5917.69,equipment,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2025,rural,male,25,18-24,middle,primary,farmer,377.51,2,good,0,619,1,sacco,8089.5,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2023,rural,male,58,55+,fourth,secondary,employed_informal,500.73,8,good,0,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,female,49,45-54,middle,primary,self_employed,215.41,7,limited,0,60,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,female,66,55+,fourth,primary,unemployed,202.31,6,limited,1,764,1,microfinance,7143.17,property,emergency,1,6731.47,0.295,12,726.37,current,not_applicable,high_burden
Nigeria,2022,urban,female,30,25-34,lowest,secondary,employed_informal,153.17,7,limited,0,788,1,family_friends,3122.55,guarantor,business,1,3048.03,0.069,6,543.3,defaulted,not_applicable,high_burden
Ghana,2025,rural,female,47,45-54,second,secondary,self_employed,69.97,4,limited,1,364,1,family_friends,5308.22,property,business,1,4553.57,0.088,36,137.57,current,not_applicable,high_burden
Ghana,2020,rural,male,43,35-44,middle,primary,self_employed,243.89,5,limited,1,349,1,informal_lender,5651.9,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2018,urban,male,33,25-34,highest,primary,unemployed,1294.98,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,33,25-34,fourth,primary,unemployed,228.44,1,good,1,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,male,55,45-54,middle,secondary,self_employed,192.27,1,none,1,628,1,microfinance,3022.8,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2018,urban,male,25,18-24,highest,secondary,employed_formal,735.86,10,none,1,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,male,19,18-24,lowest,secondary,farmer,54.03,5,none,1,367,1,microfinance,1835.13,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2018,urban,female,34,25-34,highest,secondary,self_employed,658.76,3,none,0,308,1,family_friends,5174.91,none,agriculture,1,4229.13,0.007,24,177.52,late_30_days,not_applicable,high_burden
Ghana,2021,urban,female,29,25-34,lowest,primary,unemployed,142.33,1,good,0,692,1,microfinance,7092.54,equipment,business,1,6452.84,0.284,12,690.32,late_30_days,not_applicable,high_burden
Uganda,2024,rural,female,58,55+,fourth,secondary,employed_informal,257.8,8,none,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,male,39,35-44,second,secondary,farmer,98.32,3,none,0,489,1,family_friends,12492.11,savings,business,1,11303.95,0.071,18,672.67,current,not_applicable,high_burden
Mali,2019,urban,male,26,25-34,fourth,tertiary,employed_informal,369.11,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,urban,female,33,25-34,second,primary,unemployed,166.69,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,female,21,18-24,highest,secondary,employed_informal,1235.6,3,none,1,670,1,sacco,35071.32,none,education,1,32161.81,0.325,6,7100.05,current,not_applicable,high_burden
Mozambique,2021,rural,female,29,25-34,second,tertiary,unemployed,43.3,2,none,0,33,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,male,34,25-34,lowest,none,self_employed,95.93,2,none,0,148,1,microfinance,5309.84,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2025,urban,male,55,45-54,middle,primary,farmer,313.01,4,none,0,204,1,informal_lender,5945.68,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2025,urban,female,52,45-54,highest,secondary,employed_informal,878.7,9,none,1,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,female,19,18-24,lowest,none,employed_formal,37.48,9,good,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,female,57,55+,middle,none,farmer,33.17,10,none,1,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,female,26,25-34,second,primary,farmer,79.03,6,none,1,255,1,microfinance,2348.96,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2022,urban,female,28,25-34,highest,primary,self_employed,1336.13,3,none,1,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,38,35-44,fourth,secondary,self_employed,126.88,9,none,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,female,36,35-44,fourth,none,farmer,135.48,4,good,0,850,1,informal_lender,3094.13,none,education,1,2591.2,0.834,12,396.1,current,not_applicable,high_burden
Mozambique,2018,rural,female,20,18-24,middle,secondary,farmer,210.46,6,good,0,731,1,microfinance,1740.1,guarantor,emergency,1,1475.9,0.369,12,168.35,current,not_applicable,high_burden
Rwanda,2019,urban,male,21,18-24,fourth,primary,self_employed,846.99,2,good,0,92,1,employer,8420.93,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2022,urban,female,65,55+,fourth,primary,self_employed,467.71,1,good,1,428,1,microfinance,10524.8,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2020,rural,male,54,45-54,lowest,secondary,self_employed,59.57,4,good,0,547,1,family_friends,8763.03,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2025,urban,female,55,45-54,middle,secondary,employed_formal,424.04,4,good,1,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,female,43,35-44,second,secondary,employed_informal,89.78,4,none,0,649,1,family_friends,2291.77,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2024,urban,female,51,45-54,highest,primary,employed_informal,1678.96,2,limited,0,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,59,55+,highest,primary,self_employed,3115.73,7,limited,0,571,1,digital_lender,16482.08,property,agriculture,1,15712.53,0.464,24,958.77,defaulted,not_applicable,high_burden
Niger,2019,urban,female,44,35-44,fourth,primary,self_employed,279.44,6,none,1,0,1,microfinance,7132.21,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2021,rural,male,29,25-34,middle,primary,unemployed,284.42,1,none,0,72,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,30,25-34,fourth,primary,employed_informal,181.31,6,none,1,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,female,65,55+,second,secondary,self_employed,33.4,4,limited,0,34,1,digital_lender,1598.16,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2021,rural,female,41,35-44,middle,tertiary,farmer,163.79,6,excellent,0,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,male,59,55+,fourth,primary,farmer,324.65,1,none,1,287,1,commercial_bank,4432.06,property,education,1,3607.2,0.189,24,178.64,current,not_applicable,high_burden
Ghana,2023,urban,male,67,55+,highest,primary,self_employed,655.16,3,good,0,498,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,urban,male,40,35-44,lowest,secondary,employed_informal,40.07,5,limited,1,66,1,digital_lender,4525.61,vehicle,business,1,3621.03,0.438,12,434.05,paid_off,not_applicable,high_burden
Zambia,2022,rural,male,42,35-44,highest,none,farmer,295.66,5,limited,0,453,1,family_friends,4312.78,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2023,rural,male,61,55+,fourth,tertiary,self_employed,463.84,3,good,0,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,male,28,25-34,middle,none,self_employed,263.99,7,limited,0,364,1,sacco,4381.15,equipment,business,1,3861.16,0.31,12,421.35,current,not_applicable,high_burden
Malawi,2025,urban,male,46,45-54,highest,primary,farmer,506.88,5,limited,0,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,male,30,25-34,second,secondary,self_employed,133.6,3,limited,1,58,1,informal_lender,3870.34,property,agriculture,1,3110.83,0.836,18,317.26,current,not_applicable,high_burden
South Africa,2023,rural,male,56,55+,second,secondary,self_employed,153.56,5,none,0,534,1,family_friends,1169.45,savings,business,1,1165.24,0.054,6,204.79,paid_off,not_applicable,high_burden
South Africa,2022,rural,female,33,25-34,lowest,secondary,unemployed,44.48,6,good,0,483,1,family_friends,3409.23,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2021,rural,female,63,55+,middle,primary,employed_formal,338.61,10,none,0,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,male,21,18-24,fourth,secondary,self_employed,232.57,9,none,1,0,1,employer,4704.8,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2024,rural,female,36,35-44,middle,secondary,employed_informal,75.97,2,limited,0,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,male,49,45-54,highest,primary,employed_informal,536.33,5,limited,1,541,1,digital_lender,4581.84,equipment,consumption,1,3746.9,0.417,12,442.42,current,not_applicable,high_burden
Kenya,2023,urban,female,26,25-34,fourth,primary,self_employed,108.9,8,limited,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,urban,female,23,18-24,middle,secondary,farmer,159.89,5,limited,1,205,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,male,24,18-24,lowest,primary,employed_informal,202.64,2,limited,1,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,45,35-44,second,primary,farmer,121.44,2,limited,1,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,male,21,18-24,lowest,tertiary,employed_informal,60.45,10,none,0,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,43,35-44,fourth,tertiary,employed_informal,92.88,4,limited,0,478,1,informal_lender,6207.12,savings,education,1,5684.68,0.837,24,435.05,late_60_days,not_applicable,high_burden
DRC,2024,urban,male,21,18-24,middle,primary,self_employed,517.44,5,limited,1,45,1,commercial_bank,5601.39,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2022,rural,female,29,25-34,second,primary,unemployed,82.67,2,limited,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,urban,female,46,45-54,second,tertiary,employed_informal,314.5,4,good,1,661,1,digital_lender,4899.41,vehicle,business,1,4151.97,0.426,12,493.47,current,not_applicable,high_burden
Rwanda,2025,rural,female,51,45-54,middle,primary,unemployed,170.31,1,limited,0,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,male,25,18-24,highest,secondary,farmer,1229.78,7,limited,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,42,35-44,second,secondary,employed_informal,161.65,1,limited,1,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,male,45,35-44,second,none,farmer,88.96,6,limited,0,174,1,family_friends,7050.27,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2025,rural,female,64,55+,fourth,primary,farmer,147.75,9,excellent,1,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,male,31,25-34,highest,primary,farmer,298.13,6,none,1,614,1,sacco,2883.23,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2023,urban,female,25,18-24,fourth,primary,employed_informal,311.8,6,none,0,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,urban,female,41,35-44,highest,primary,employed_informal,496.27,9,limited,1,850,1,family_friends,7469.51,guarantor,consumption,1,7077.17,0.08,12,637.14,late_60_days,not_applicable,high_burden
Senegal,2019,rural,female,44,35-44,highest,primary,self_employed,3860.01,1,none,1,625,1,microfinance,5319.93,equipment,consumption,1,5012.54,0.346,6,1124.42,late_60_days,not_applicable,high_burden
Zambia,2019,rural,female,26,25-34,second,primary,unemployed,89.27,6,limited,0,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,female,51,45-54,highest,tertiary,employed_informal,477.37,1,limited,0,839,1,informal_lender,2733.52,none,consumption,1,2325.56,0.808,36,116.8,current,not_applicable,high_burden
Mozambique,2020,rural,male,28,25-34,fourth,secondary,unemployed,995.08,1,none,1,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,female,23,18-24,fourth,secondary,unemployed,349.78,5,excellent,0,850,1,microfinance,4247.83,none,agriculture,1,3850.52,0.285,18,274.96,current,not_applicable,high_burden
Ethiopia,2020,urban,male,38,35-44,highest,primary,unemployed,1383.64,4,none,0,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,female,46,45-54,lowest,none,employed_informal,47.25,1,none,0,229,1,employer,4891.57,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2019,rural,female,40,35-44,fourth,tertiary,farmer,226.86,5,good,0,400,1,employer,2180.76,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2020,rural,female,65,55+,lowest,tertiary,employed_formal,42.49,10,none,1,4,1,commercial_bank,2933.57,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2025,rural,male,46,45-54,fourth,none,farmer,1099.83,8,good,1,722,1,commercial_bank,9728.03,savings,business,1,9164.17,0.167,12,891.15,current,not_applicable,high_burden
DRC,2023,rural,male,53,45-54,second,primary,self_employed,46.8,3,good,1,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,male,65,55+,fourth,secondary,unemployed,228.12,2,limited,1,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,male,35,25-34,lowest,none,employed_informal,57.89,6,limited,0,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,female,61,55+,second,secondary,self_employed,85.25,1,none,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,urban,female,65,55+,fourth,secondary,employed_informal,1063.57,4,limited,1,716,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,female,69,55+,second,primary,farmer,44.08,8,limited,0,58,1,family_friends,1949.05,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2019,rural,male,57,55+,second,secondary,self_employed,185.25,8,none,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,25,18-24,lowest,secondary,employed_informal,26.76,5,good,0,850,1,sacco,2506.81,equipment,business,1,2244.54,0.287,36,80.27,current,not_applicable,high_burden
DRC,2024,rural,female,20,18-24,highest,none,self_employed,595.65,10,limited,1,197,1,commercial_bank,4787.61,guarantor,business,1,4722.63,0.169,24,230.09,current,not_applicable,high_burden
Mali,2018,rural,female,68,55+,lowest,tertiary,self_employed,65.3,5,good,0,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,female,56,55+,lowest,primary,self_employed,45.84,3,none,0,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,male,50,45-54,second,secondary,unemployed,65.31,6,none,1,308,1,digital_lender,2072.84,property,consumption,1,1890.88,0.499,24,118.13,current,not_applicable,high_burden
Kenya,2022,rural,female,33,25-34,highest,secondary,employed_formal,476.84,4,none,1,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,female,34,25-34,lowest,secondary,farmer,207.36,8,none,0,750,1,digital_lender,2640.35,none,debt_consolidation,1,2621.43,0.498,12,327.2,current,not_applicable,high_burden
Ethiopia,2025,rural,male,54,45-54,fourth,tertiary,self_employed,268.91,9,limited,0,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,female,31,25-34,second,primary,self_employed,315.32,10,none,1,313,1,sacco,11476.37,none,business,1,9935.36,0.358,12,1124.45,current,not_applicable,high_burden
Uganda,2021,urban,female,21,18-24,lowest,none,self_employed,101.36,2,good,1,302,1,microfinance,3097.76,property,asset_purchase,1,2865.71,0.311,18,208.72,current,not_applicable,high_burden
Niger,2022,rural,female,61,55+,lowest,secondary,self_employed,27.79,3,limited,1,253,1,sacco,2238.13,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2019,rural,female,69,55+,second,primary,farmer,117.1,5,none,1,558,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,female,66,55+,second,primary,farmer,66.4,3,good,1,340,1,commercial_bank,3767.56,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2022,urban,female,36,35-44,fourth,primary,self_employed,334.78,8,good,1,842,1,commercial_bank,11314.5,none,agriculture,1,11170.68,0.226,6,2283.14,late_30_days,not_applicable,high_burden
DRC,2022,rural,female,41,35-44,second,secondary,self_employed,94.4,5,good,0,366,1,digital_lender,4246.28,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2025,urban,female,49,45-54,lowest,secondary,employed_informal,185.27,10,none,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,male,54,45-54,second,primary,farmer,222.71,9,excellent,0,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,female,54,45-54,fourth,secondary,self_employed,745.28,8,good,0,564,1,microfinance,4990.14,none,agriculture,1,4886.52,0.321,12,537.88,late_30_days,not_applicable,high_burden
Malawi,2022,urban,female,20,18-24,second,none,employed_formal,341.68,8,none,0,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,female,32,25-34,fourth,secondary,employed_informal,118.32,5,good,1,524,1,commercial_bank,3797.3,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2025,urban,female,18,18-24,highest,primary,farmer,661.85,6,limited,0,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,urban,male,25,18-24,lowest,secondary,self_employed,103.56,6,limited,0,406,1,family_friends,1647.28,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2024,rural,male,29,25-34,second,none,employed_informal,89.56,10,limited,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,male,41,35-44,second,tertiary,self_employed,69.06,7,limited,0,848,1,sacco,1370.76,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Malawi,2020,urban,male,18,18-24,fourth,secondary,employed_informal,320.46,10,limited,0,320,1,microfinance,18383.83,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2018,urban,male,21,18-24,second,primary,employed_informal,142.19,10,none,1,196,1,commercial_bank,1890.02,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2019,urban,male,20,18-24,highest,secondary,farmer,418.59,4,none,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,male,44,35-44,lowest,none,farmer,12.76,2,none,0,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,female,34,25-34,second,none,self_employed,179.13,5,good,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,female,30,25-34,highest,secondary,farmer,880.82,7,none,0,498,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,male,18,18-24,second,primary,self_employed,63.03,10,excellent,0,661,1,digital_lender,2067.22,none,emergency,1,1792.65,0.42,6,424.28,defaulted,not_applicable,high_burden
Senegal,2025,rural,female,55,45-54,lowest,secondary,unemployed,258.37,1,good,0,850,1,informal_lender,11573.77,property,emergency,1,10446.65,0.758,24,765.14,paid_off,not_applicable,high_burden
Mozambique,2020,rural,male,59,55+,highest,secondary,employed_formal,349.9,10,limited,1,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,female,49,45-54,middle,none,self_employed,190.96,10,limited,0,660,1,family_friends,4130.11,savings,agriculture,1,3694.24,0.04,36,106.7,paid_off,not_applicable,high_burden
Nigeria,2022,urban,female,41,35-44,middle,secondary,self_employed,89.9,9,none,1,431,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,female,63,55+,lowest,tertiary,employed_informal,21.66,3,limited,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,male,50,45-54,fourth,none,self_employed,318.75,6,limited,0,499,1,informal_lender,3704.62,guarantor,business,1,3494.91,0.771,12,515.86,current,not_applicable,high_burden
Mozambique,2022,rural,male,58,55+,highest,tertiary,farmer,1765.36,4,none,0,610,1,microfinance,6517.35,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2020,urban,male,30,25-34,highest,none,self_employed,565.55,9,none,1,807,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,female,20,18-24,lowest,primary,unemployed,107.85,6,excellent,0,444,1,sacco,5476.4,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2023,rural,female,61,55+,lowest,primary,self_employed,87.76,10,none,1,28,1,informal_lender,2241.79,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2021,rural,male,62,55+,lowest,primary,self_employed,187.0,1,good,0,144,1,sacco,4765.68,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2019,rural,female,49,45-54,highest,primary,employed_informal,2751.66,4,excellent,1,850,1,informal_lender,25035.6,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2025,rural,female,49,45-54,second,primary,self_employed,73.81,5,none,0,339,1,informal_lender,4010.34,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2025,rural,female,30,25-34,second,secondary,employed_informal,253.02,10,none,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,urban,female,35,25-34,middle,primary,self_employed,222.43,10,none,0,238,1,sacco,5660.09,equipment,business,1,4744.2,0.331,12,526.23,paid_off,not_applicable,high_burden
Mozambique,2024,urban,male,51,45-54,middle,none,self_employed,610.26,10,good,1,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,41,35-44,fourth,primary,farmer,356.67,9,none,0,347,1,employer,10093.22,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2025,urban,male,59,55+,second,secondary,self_employed,226.04,8,limited,0,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,male,49,45-54,lowest,secondary,farmer,81.46,10,none,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,female,56,55+,highest,secondary,employed_informal,398.5,1,none,1,315,1,microfinance,4104.05,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Malawi,2019,rural,female,21,18-24,second,secondary,self_employed,29.67,4,none,0,81,1,microfinance,1556.52,guarantor,emergency,1,1271.89,0.307,18,92.34,current,not_applicable,high_burden
Malawi,2022,urban,female,18,18-24,lowest,tertiary,employed_formal,88.15,10,none,0,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,female,52,45-54,middle,primary,farmer,202.83,9,good,1,778,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,male,46,45-54,lowest,tertiary,self_employed,95.93,6,none,0,77,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,male,20,18-24,lowest,tertiary,farmer,103.61,7,limited,1,413,1,commercial_bank,8403.02,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2019,rural,female,53,45-54,lowest,secondary,unemployed,43.37,1,limited,0,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,male,23,18-24,lowest,secondary,employed_formal,47.18,6,none,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,52,45-54,fourth,none,employed_informal,502.96,9,good,1,433,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,male,58,55+,second,secondary,employed_formal,66.83,10,none,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,female,30,25-34,lowest,tertiary,farmer,121.33,7,good,0,485,1,commercial_bank,3027.89,none,consumption,1,3014.21,0.219,12,306.22,current,not_applicable,high_burden
Uganda,2021,rural,female,19,18-24,lowest,tertiary,employed_informal,25.14,2,good,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,female,29,25-34,lowest,tertiary,employed_informal,29.47,10,none,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,25,18-24,second,none,employed_informal,83.09,2,good,0,118,1,digital_lender,3579.35,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2025,urban,male,52,45-54,second,none,unemployed,204.1,6,limited,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,female,28,25-34,lowest,none,self_employed,86.71,4,limited,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,female,45,35-44,second,primary,self_employed,660.41,4,none,0,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,urban,female,47,45-54,middle,secondary,employed_informal,339.34,3,none,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,female,49,45-54,middle,secondary,employed_informal,1181.21,6,good,1,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,female,20,18-24,middle,secondary,self_employed,120.54,5,limited,1,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,male,42,35-44,fourth,tertiary,self_employed,1429.88,5,good,0,547,1,sacco,9333.84,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2023,rural,female,59,55+,second,none,employed_informal,60.53,9,excellent,1,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,urban,female,28,25-34,fourth,secondary,employed_informal,159.4,2,limited,1,781,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,female,53,45-54,second,none,employed_formal,133.53,9,good,0,840,1,family_friends,2574.61,property,housing,1,2298.14,0.001,12,191.74,current,not_applicable,high_burden
Nigeria,2021,rural,male,57,55+,second,secondary,self_employed,142.25,8,none,0,287,1,informal_lender,2324.76,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2020,rural,female,69,55+,lowest,primary,employed_informal,82.21,3,none,0,0,1,microfinance,9764.4,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2025,urban,male,50,45-54,second,primary,employed_informal,448.17,2,limited,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,male,38,35-44,lowest,none,employed_informal,38.76,7,good,0,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,male,37,35-44,second,none,unemployed,53.68,1,none,1,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,69,55+,highest,primary,employed_informal,288.26,7,good,0,591,1,microfinance,3207.56,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
DRC,2018,rural,male,38,35-44,middle,primary,self_employed,118.22,5,none,0,209,1,informal_lender,4037.21,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2022,urban,male,34,25-34,second,none,self_employed,265.55,8,excellent,1,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,male,27,25-34,middle,secondary,farmer,189.28,5,none,1,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,64,55+,second,primary,self_employed,64.3,7,none,1,62,1,family_friends,1237.28,property,business,1,1174.09,0.095,12,107.18,current,not_applicable,high_burden
Mali,2025,rural,male,60,55+,lowest,tertiary,employed_informal,215.6,4,none,0,390,1,informal_lender,2136.73,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Kenya,2022,rural,female,23,18-24,second,primary,employed_informal,99.11,3,good,1,289,1,digital_lender,2074.59,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2024,rural,female,36,35-44,highest,none,farmer,1056.32,5,none,1,330,1,sacco,10275.44,property,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2025,rural,female,62,55+,second,none,employed_informal,134.13,1,none,0,218,1,microfinance,4014.31,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2020,rural,male,33,25-34,middle,tertiary,farmer,1082.25,2,none,1,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,female,57,55+,fourth,none,self_employed,141.11,3,none,0,0,1,microfinance,2595.35,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2019,urban,female,47,45-54,lowest,none,employed_formal,84.78,8,none,1,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,male,28,25-34,lowest,primary,self_employed,17.01,9,none,1,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,urban,female,64,55+,middle,primary,farmer,72.13,9,none,0,158,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,female,68,55+,highest,secondary,unemployed,587.81,1,good,0,374,1,employer,8664.66,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2021,rural,male,54,45-54,second,primary,self_employed,167.84,8,none,1,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,male,36,35-44,highest,primary,farmer,624.15,2,none,0,810,1,family_friends,5211.6,equipment,agriculture,1,4325.83,0.015,6,731.81,current,not_applicable,high_burden
Kenya,2025,rural,male,33,25-34,middle,secondary,employed_informal,309.17,1,none,0,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,male,31,25-34,lowest,tertiary,employed_informal,54.53,5,none,0,225,1,informal_lender,4418.23,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2021,urban,female,27,25-34,lowest,none,employed_informal,31.96,10,none,0,123,1,microfinance,1475.96,savings,agriculture,1,1320.08,0.364,24,75.03,current,not_applicable,high_burden
Mozambique,2022,urban,male,67,55+,fourth,primary,self_employed,210.52,9,limited,1,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,urban,male,19,18-24,middle,none,self_employed,253.29,4,none,1,0,1,commercial_bank,5691.12,vehicle,business,1,5188.57,0.188,18,342.42,current,not_applicable,high_burden
Ethiopia,2022,rural,male,39,35-44,fourth,tertiary,farmer,211.69,2,none,0,57,1,microfinance,5354.61,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2022,rural,male,19,18-24,middle,none,employed_informal,110.12,1,none,0,369,1,microfinance,2317.92,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2019,urban,female,33,25-34,fourth,primary,employed_informal,125.86,3,limited,0,744,1,sacco,2016.65,savings,consumption,1,1836.84,0.302,24,99.67,current,not_applicable,high_burden
Kenya,2023,rural,female,53,45-54,lowest,secondary,farmer,27.13,7,none,1,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,female,61,55+,middle,secondary,farmer,355.53,5,limited,0,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,female,62,55+,lowest,none,self_employed,380.69,9,none,0,676,1,family_friends,5195.21,guarantor,asset_purchase,1,4170.15,0.083,6,752.48,paid_off,not_applicable,high_burden
Mozambique,2018,rural,male,47,45-54,fourth,tertiary,employed_informal,756.35,3,good,1,122,1,sacco,10143.01,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2021,rural,female,18,18-24,lowest,none,unemployed,34.21,1,none,0,536,1,family_friends,1768.2,property,business,1,1763.5,0.016,6,298.48,current,not_applicable,high_burden
Tanzania,2023,rural,female,53,45-54,middle,tertiary,employed_informal,438.15,2,none,1,687,1,microfinance,4534.01,none,agriculture,1,4450.12,0.278,48,118.52,current,not_applicable,high_burden
Malawi,2021,urban,female,43,35-44,middle,tertiary,self_employed,64.95,10,none,0,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,female,34,25-34,fourth,secondary,employed_informal,428.72,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,female,65,55+,highest,primary,employed_formal,1175.43,10,good,1,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,male,46,45-54,fourth,primary,employed_formal,1855.63,8,none,0,61,1,employer,4757.3,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2021,rural,male,19,18-24,fourth,secondary,unemployed,640.36,5,excellent,0,189,1,sacco,26202.31,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2021,rural,male,20,18-24,middle,tertiary,self_employed,223.84,7,none,0,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,urban,female,23,18-24,lowest,primary,farmer,40.43,7,limited,1,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,male,31,25-34,fourth,primary,employed_informal,405.92,6,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,male,28,25-34,fourth,secondary,self_employed,330.24,4,good,1,315,1,digital_lender,6266.41,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2023,rural,female,57,55+,lowest,none,employed_formal,55.22,5,none,0,316,1,family_friends,2205.67,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2024,urban,female,56,55+,middle,primary,employed_informal,95.37,10,none,1,545,1,commercial_bank,4910.85,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2023,rural,female,24,18-24,second,secondary,unemployed,95.57,6,none,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,male,44,35-44,highest,primary,self_employed,2705.57,2,none,1,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,male,66,55+,highest,secondary,self_employed,1088.2,5,none,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,rural,male,36,35-44,second,primary,unemployed,60.06,1,none,1,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,male,40,35-44,fourth,secondary,farmer,70.44,10,good,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,female,62,55+,lowest,none,self_employed,44.15,4,none,1,0,1,commercial_bank,5455.32,none,education,1,4615.7,0.149,6,883.67,late_30_days,not_applicable,high_burden
Niger,2021,rural,male,55,45-54,highest,primary,farmer,904.0,9,good,0,650,1,commercial_bank,2425.18,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2025,rural,female,43,35-44,lowest,primary,unemployed,51.39,5,none,1,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,female,46,45-54,highest,primary,farmer,453.26,10,none,0,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,65,55+,lowest,secondary,employed_informal,69.59,6,limited,1,604,1,sacco,2209.57,savings,housing,1,1952.31,0.307,18,141.77,late_30_days,not_applicable,high_burden
South Africa,2021,rural,female,31,25-34,middle,tertiary,unemployed,139.52,1,none,1,230,1,commercial_bank,3006.13,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2022,rural,male,68,55+,highest,none,employed_informal,489.7,10,good,1,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,urban,female,26,25-34,fourth,secondary,employed_informal,1549.19,10,none,1,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,male,25,18-24,second,tertiary,unemployed,76.14,2,none,0,202,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,24,18-24,second,primary,self_employed,49.44,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,male,29,25-34,fourth,secondary,self_employed,318.5,10,none,1,657,1,commercial_bank,2132.96,savings,education,1,2079.62,0.135,12,196.65,current,not_applicable,high_burden
Mozambique,2021,urban,male,52,45-54,second,secondary,farmer,112.67,6,limited,0,175,1,family_friends,2638.45,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2022,urban,male,66,55+,lowest,primary,farmer,39.32,8,limited,0,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,female,57,55+,lowest,primary,employed_formal,99.4,7,none,1,731,1,microfinance,6766.59,guarantor,business,1,5950.69,0.33,12,659.33,current,not_applicable,high_burden
Malawi,2019,rural,female,33,25-34,middle,none,employed_formal,101.32,10,limited,0,690,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,urban,female,47,45-54,highest,tertiary,self_employed,1596.55,5,none,0,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,male,22,18-24,fourth,primary,self_employed,532.85,9,limited,1,360,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,urban,male,19,18-24,highest,primary,employed_formal,3930.93,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,male,31,25-34,fourth,primary,self_employed,378.96,3,limited,0,769,1,digital_lender,8881.08,savings,business,1,7466.25,0.465,12,911.23,late_60_days,not_applicable,high_burden
Senegal,2025,rural,female,46,45-54,second,secondary,farmer,101.58,5,none,1,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,male,40,35-44,lowest,secondary,employed_informal,33.82,6,limited,0,469,1,informal_lender,2832.63,none,education,1,2777.22,0.844,18,284.55,current,not_applicable,high_burden
Niger,2025,urban,female,23,18-24,highest,primary,employed_informal,2107.0,9,good,1,658,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,female,48,45-54,highest,tertiary,farmer,324.62,4,limited,1,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,male,25,18-24,second,secondary,employed_formal,58.32,5,none,0,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,18,18-24,second,secondary,employed_formal,111.32,10,none,0,377,1,commercial_bank,2739.13,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2024,rural,male,49,45-54,fourth,primary,farmer,704.46,7,limited,1,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,female,25,18-24,lowest,primary,self_employed,115.16,1,limited,1,574,1,informal_lender,2470.32,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2019,rural,male,42,35-44,fourth,secondary,farmer,471.16,4,none,0,369,1,digital_lender,3581.31,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
DRC,2021,urban,male,48,45-54,lowest,none,farmer,161.67,5,excellent,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,female,19,18-24,second,primary,self_employed,176.69,2,none,0,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,female,27,25-34,second,secondary,farmer,174.69,7,none,1,460,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,urban,male,65,55+,fourth,primary,farmer,134.83,8,none,0,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,male,31,25-34,middle,secondary,employed_formal,129.78,7,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,55,45-54,lowest,secondary,employed_formal,25.45,10,none,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,female,43,35-44,second,primary,employed_informal,274.71,3,none,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,female,21,18-24,highest,primary,employed_informal,1239.42,2,none,1,714,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,male,68,55+,fourth,secondary,self_employed,879.45,8,good,0,401,1,informal_lender,7003.88,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2019,rural,male,63,55+,second,primary,employed_informal,343.92,6,none,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,female,63,55+,second,none,farmer,98.36,8,none,0,0,1,informal_lender,4194.58,vehicle,housing,1,3531.09,0.825,36,178.98,current,not_applicable,high_burden
Ethiopia,2021,rural,female,57,55+,second,none,employed_informal,38.35,1,none,0,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,urban,female,57,55+,second,tertiary,employed_informal,134.55,5,none,1,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,46,45-54,lowest,primary,farmer,12.49,4,limited,0,793,1,family_friends,1646.32,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2024,urban,female,35,25-34,lowest,primary,employed_formal,86.22,10,limited,0,7,1,family_friends,3927.03,equipment,business,1,3342.98,0.096,12,305.2,current,not_applicable,high_burden
Mozambique,2019,urban,female,67,55+,fourth,primary,self_employed,746.62,9,good,0,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,male,44,35-44,middle,tertiary,farmer,279.76,4,none,1,357,1,digital_lender,6893.52,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2023,rural,male,31,25-34,lowest,tertiary,farmer,43.27,8,none,0,361,1,commercial_bank,2864.89,vehicle,consumption,1,2728.82,0.184,48,67.3,paid_off,not_applicable,high_burden
Zambia,2019,rural,female,43,35-44,lowest,none,employed_formal,30.8,10,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,male,65,55+,second,none,self_employed,95.55,5,none,0,216,1,family_friends,3415.3,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Kenya,2022,urban,male,58,55+,second,none,unemployed,127.57,1,none,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,male,31,25-34,fourth,secondary,unemployed,300.93,2,none,0,275,1,sacco,2912.53,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2025,urban,female,18,18-24,fourth,primary,employed_informal,1136.23,10,good,0,850,1,informal_lender,5195.95,none,business,1,4615.77,0.786,12,687.08,defaulted,not_applicable,high_burden
Uganda,2018,rural,male,20,18-24,lowest,secondary,employed_informal,99.98,1,limited,0,286,1,family_friends,4152.25,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2023,urban,male,62,55+,lowest,primary,employed_informal,110.29,1,good,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,21,18-24,second,primary,farmer,112.8,3,none,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,urban,male,19,18-24,middle,secondary,farmer,130.74,6,good,1,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,male,62,55+,lowest,secondary,employed_formal,119.34,10,excellent,1,349,1,microfinance,2714.07,property,education,1,2428.13,0.306,12,264.25,current,not_applicable,high_burden
Tanzania,2024,urban,female,37,35-44,second,secondary,employed_informal,94.91,10,good,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,62,55+,fourth,none,self_employed,673.27,2,limited,1,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,male,41,35-44,middle,secondary,self_employed,427.38,2,limited,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,female,20,18-24,second,secondary,employed_informal,202.37,6,limited,0,735,1,microfinance,4290.23,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2023,rural,female,63,55+,highest,primary,unemployed,1229.98,1,good,0,850,1,microfinance,67672.76,none,agriculture,1,65033.16,0.356,12,7346.94,current,not_applicable,high_burden
Tanzania,2024,rural,female,61,55+,lowest,tertiary,self_employed,29.21,8,excellent,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,female,56,55+,highest,secondary,self_employed,333.58,6,none,0,374,1,sacco,6007.31,vehicle,agriculture,1,5895.85,0.296,12,636.74,current,not_applicable,high_burden
Nigeria,2023,urban,male,20,18-24,second,none,self_employed,96.24,6,limited,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,58,55+,second,tertiary,employed_informal,135.37,6,good,0,246,1,family_friends,10077.49,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Zambia,2024,urban,male,48,45-54,highest,tertiary,employed_formal,2350.34,10,none,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,urban,male,45,35-44,highest,primary,self_employed,343.29,4,limited,0,182,1,microfinance,2786.41,property,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
DRC,2022,rural,female,46,45-54,highest,primary,farmer,375.98,10,good,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,male,63,55+,highest,primary,employed_informal,342.76,2,none,1,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,female,30,25-34,second,tertiary,unemployed,126.56,4,none,1,0,1,microfinance,6233.06,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2018,rural,female,69,55+,second,primary,self_employed,214.88,7,limited,0,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,urban,female,65,55+,fourth,secondary,self_employed,1056.49,7,good,1,716,1,informal_lender,11700.47,guarantor,agriculture,1,9515.41,0.804,6,2861.38,defaulted,not_applicable,high_burden
Nigeria,2018,rural,female,44,35-44,second,secondary,farmer,77.51,3,good,1,280,1,commercial_bank,2190.96,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
DRC,2021,rural,male,63,55+,highest,secondary,employed_informal,1534.08,4,none,1,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,female,21,18-24,second,tertiary,employed_informal,192.4,5,none,1,154,1,commercial_bank,2404.4,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2022,urban,female,41,35-44,highest,secondary,self_employed,485.05,9,limited,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,female,53,45-54,second,tertiary,employed_informal,192.43,2,limited,1,775,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,male,60,55+,second,tertiary,self_employed,366.39,5,limited,0,388,1,microfinance,3702.18,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2022,urban,male,63,55+,second,tertiary,self_employed,191.23,6,none,0,99,1,family_friends,4674.84,property,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2021,rural,female,47,45-54,second,primary,self_employed,68.8,4,none,0,33,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,male,36,35-44,lowest,secondary,employed_informal,133.89,9,none,0,606,1,informal_lender,8478.04,equipment,emergency,1,7311.73,0.818,12,1107.52,current,not_applicable,high_burden
Uganda,2023,rural,male,64,55+,lowest,tertiary,farmer,75.5,9,limited,1,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,64,55+,lowest,primary,self_employed,129.82,3,none,0,613,1,sacco,3804.54,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2020,rural,male,34,25-34,lowest,primary,employed_formal,197.45,5,none,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,male,35,25-34,second,secondary,employed_informal,166.61,10,none,0,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,male,40,35-44,fourth,secondary,self_employed,284.63,6,limited,0,679,1,microfinance,5012.47,none,agriculture,1,4146.94,0.348,12,465.93,current,not_applicable,high_burden
DRC,2023,rural,female,59,55+,highest,secondary,employed_informal,1519.63,7,limited,0,850,1,sacco,7366.46,property,education,1,7293.08,0.368,12,831.61,paid_off,not_applicable,high_burden
Malawi,2021,urban,female,55,45-54,second,tertiary,self_employed,136.89,7,limited,0,778,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,male,22,18-24,lowest,primary,unemployed,55.89,1,excellent,1,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,male,29,25-34,highest,secondary,self_employed,634.76,9,none,1,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,female,60,55+,middle,primary,employed_formal,138.69,10,excellent,1,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,rural,male,35,25-34,second,secondary,self_employed,123.38,5,none,0,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,female,56,55+,fourth,primary,self_employed,664.69,1,none,0,723,1,microfinance,3845.66,guarantor,agriculture,1,3670.02,0.274,24,194.75,late_30_days,not_applicable,high_burden
Tanzania,2020,urban,female,32,25-34,middle,tertiary,unemployed,472.4,5,excellent,0,506,1,sacco,3674.92,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2021,urban,female,36,35-44,second,none,farmer,32.81,6,excellent,1,413,1,employer,2167.31,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2024,rural,male,60,55+,second,tertiary,self_employed,68.7,2,none,0,750,1,informal_lender,3396.15,none,business,1,2821.71,0.845,36,144.63,current,not_applicable,high_burden
South Africa,2022,urban,female,53,45-54,fourth,none,employed_formal,301.82,10,none,0,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,62,55+,second,secondary,unemployed,26.19,3,none,1,233,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,male,38,35-44,second,primary,employed_informal,93.85,7,limited,1,269,1,microfinance,3960.6,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2021,rural,male,64,55+,fourth,none,farmer,1187.62,7,none,1,538,1,commercial_bank,8294.27,none,housing,1,8058.69,0.141,18,510.82,paid_off,not_applicable,high_burden
Kenya,2022,rural,female,62,55+,lowest,secondary,employed_informal,66.59,8,none,1,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,male,59,55+,lowest,primary,farmer,67.15,9,good,1,725,1,commercial_bank,3639.51,none,agriculture,1,3242.67,0.155,18,207.98,paid_off,not_applicable,high_burden
Mozambique,2023,urban,male,53,45-54,middle,none,employed_informal,440.56,1,good,0,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,male,29,25-34,middle,tertiary,employed_informal,213.95,1,limited,0,848,1,sacco,1846.45,guarantor,business,1,1608.81,0.279,18,114.34,late_60_days,not_applicable,high_burden
Kenya,2021,rural,male,29,25-34,middle,primary,employed_formal,98.5,8,limited,1,848,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,male,50,45-54,lowest,primary,employed_informal,200.23,8,good,0,529,1,employer,8659.08,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2019,rural,male,59,55+,second,tertiary,self_employed,150.04,1,none,1,555,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,33,25-34,lowest,tertiary,unemployed,104.36,1,none,1,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,male,41,35-44,fourth,primary,employed_formal,111.93,6,good,0,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,urban,female,51,45-54,second,tertiary,employed_informal,524.21,2,limited,0,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,urban,female,57,55+,middle,primary,farmer,238.85,6,good,0,817,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,21,18-24,highest,primary,self_employed,358.84,3,none,1,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,female,20,18-24,second,tertiary,self_employed,599.48,1,none,1,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,female,36,35-44,lowest,secondary,farmer,62.19,1,good,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,male,45,35-44,highest,tertiary,employed_informal,592.56,5,limited,1,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,urban,male,57,55+,lowest,secondary,employed_formal,89.12,4,limited,1,636,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,male,33,25-34,fourth,tertiary,unemployed,110.56,1,limited,0,554,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,male,37,35-44,second,none,employed_formal,72.48,10,excellent,1,312,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,urban,female,60,55+,middle,none,employed_informal,207.24,7,none,0,87,1,microfinance,2785.32,guarantor,business,1,2292.26,0.286,12,245.73,paid_off,not_applicable,high_burden
DRC,2025,urban,male,36,35-44,highest,secondary,farmer,1975.16,4,none,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,34,25-34,second,primary,self_employed,142.7,6,none,0,0,1,family_friends,2600.63,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2022,rural,male,65,55+,fourth,primary,self_employed,145.22,7,excellent,0,668,1,family_friends,5988.91,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2022,urban,male,32,25-34,middle,none,unemployed,109.85,4,limited,0,468,1,sacco,4081.67,guarantor,education,1,3725.73,0.345,12,417.53,late_30_days,not_applicable,high_burden
Niger,2024,rural,male,50,45-54,lowest,primary,self_employed,35.89,7,limited,0,681,1,digital_lender,1187.47,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2018,urban,male,54,45-54,middle,tertiary,farmer,156.85,2,good,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,female,29,25-34,lowest,secondary,employed_formal,81.33,9,none,0,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,female,46,45-54,second,none,self_employed,337.0,9,good,0,226,1,microfinance,9141.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2019,rural,male,34,25-34,middle,secondary,employed_informal,96.69,10,none,0,57,1,sacco,1906.85,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2020,rural,female,47,45-54,highest,tertiary,unemployed,658.05,4,none,0,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,female,60,55+,lowest,secondary,employed_formal,32.28,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,female,18,18-24,middle,primary,employed_formal,172.73,10,limited,1,455,1,sacco,5101.71,property,education,1,4989.12,0.351,24,280.76,current,not_applicable,high_burden
Nigeria,2023,urban,male,55,45-54,middle,secondary,employed_informal,70.67,3,limited,0,154,1,family_friends,1885.66,equipment,emergency,1,1649.31,0.068,48,36.7,late_30_days,not_applicable,high_burden
Mozambique,2023,urban,female,25,18-24,middle,primary,self_employed,404.43,8,none,0,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,37,35-44,second,secondary,self_employed,333.39,8,limited,0,119,1,microfinance,1891.72,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2024,rural,female,23,18-24,second,primary,employed_formal,22.69,5,none,1,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,female,50,45-54,fourth,primary,employed_informal,226.15,1,none,1,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,female,21,18-24,middle,primary,unemployed,560.63,1,good,1,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,male,41,35-44,second,primary,farmer,398.69,7,none,0,0,1,informal_lender,3572.89,none,business,1,3242.14,0.75,18,315.25,current,not_applicable,high_burden
Kenya,2025,rural,male,47,45-54,fourth,secondary,employed_informal,357.59,3,limited,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,male,54,45-54,fourth,secondary,employed_formal,665.53,9,none,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,female,40,35-44,highest,primary,self_employed,640.35,9,limited,1,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,urban,male,37,35-44,middle,tertiary,farmer,207.83,4,limited,0,574,1,microfinance,6123.83,savings,housing,1,5625.8,0.283,18,401.15,paid_off,not_applicable,high_burden
Nigeria,2020,urban,female,23,18-24,lowest,secondary,farmer,157.33,7,limited,0,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,female,20,18-24,middle,secondary,unemployed,101.2,3,none,1,710,1,informal_lender,3443.71,none,business,1,2910.63,0.83,12,443.81,current,not_applicable,high_burden
Senegal,2019,rural,female,45,35-44,middle,none,employed_informal,368.5,4,excellent,0,695,1,microfinance,2902.99,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2025,rural,male,38,35-44,fourth,none,self_employed,642.85,9,limited,1,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,urban,female,29,25-34,middle,primary,employed_formal,216.2,10,none,1,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,female,43,35-44,lowest,none,farmer,26.8,7,none,0,298,1,family_friends,934.33,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2020,urban,male,68,55+,middle,primary,farmer,262.7,6,none,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,female,34,25-34,middle,tertiary,employed_informal,870.0,5,none,0,96,1,informal_lender,1320.91,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2025,rural,male,30,25-34,lowest,primary,unemployed,97.76,1,limited,1,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,male,19,18-24,fourth,secondary,employed_formal,882.05,10,good,0,581,1,family_friends,10658.78,none,asset_purchase,1,10534.72,0.004,12,881.01,current,not_applicable,high_burden
Kenya,2021,urban,female,45,35-44,fourth,none,unemployed,864.79,2,none,1,486,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,female,19,18-24,highest,none,employed_formal,436.02,9,limited,0,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,female,43,35-44,highest,tertiary,unemployed,3519.41,1,good,1,342,1,family_friends,24147.53,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2024,rural,female,64,55+,fourth,tertiary,farmer,745.63,8,excellent,0,559,1,microfinance,5492.77,vehicle,business,1,4712.34,0.318,12,517.71,current,not_applicable,high_burden
DRC,2023,rural,female,32,25-34,middle,primary,employed_formal,299.9,10,excellent,0,747,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,male,50,45-54,highest,secondary,employed_formal,1509.77,9,good,1,357,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,female,28,25-34,lowest,secondary,farmer,202.08,1,limited,1,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,male,64,55+,second,secondary,employed_formal,32.77,8,limited,1,76,1,commercial_bank,1249.51,property,agriculture,1,1012.58,0.191,12,100.46,current,not_applicable,high_burden
Nigeria,2019,urban,female,57,55+,second,none,employed_informal,208.6,1,limited,1,67,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,female,47,45-54,fourth,secondary,employed_formal,328.66,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,male,59,55+,highest,tertiary,employed_informal,489.44,9,limited,1,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,urban,male,43,35-44,lowest,primary,employed_formal,46.24,10,limited,0,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,29,25-34,second,primary,employed_formal,93.15,10,good,0,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,female,27,25-34,lowest,primary,self_employed,90.73,5,none,0,415,1,informal_lender,6038.59,guarantor,agriculture,1,5582.61,0.771,18,549.41,current,not_applicable,high_burden
Rwanda,2024,rural,male,60,55+,lowest,none,employed_informal,158.39,6,good,1,810,1,digital_lender,5675.87,none,emergency,1,4657.21,0.434,6,1113.19,current,not_applicable,high_burden
Mali,2021,rural,female,63,55+,lowest,secondary,self_employed,68.89,9,none,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,23,18-24,fourth,primary,farmer,1243.31,3,good,0,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,urban,female,34,25-34,middle,secondary,self_employed,234.07,4,good,1,421,1,microfinance,7095.06,vehicle,agriculture,1,6006.92,0.334,12,668.01,current,not_applicable,high_burden
Kenya,2021,rural,male,38,35-44,lowest,primary,self_employed,242.84,5,none,0,0,1,commercial_bank,1969.08,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2020,urban,female,36,35-44,second,primary,self_employed,511.63,7,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,female,67,55+,middle,secondary,employed_informal,778.01,8,excellent,1,642,1,informal_lender,17924.67,guarantor,housing,1,17106.5,0.85,18,1757.88,current,not_applicable,high_burden
Ghana,2024,urban,female,68,55+,lowest,primary,unemployed,89.38,1,good,0,255,1,family_friends,5238.45,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2018,rural,male,53,45-54,middle,tertiary,farmer,305.53,2,none,0,161,1,family_friends,3008.77,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2018,rural,male,28,25-34,fourth,secondary,employed_informal,46.59,3,excellent,0,177,1,family_friends,1443.54,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2018,rural,female,30,25-34,second,tertiary,unemployed,106.6,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,female,20,18-24,middle,none,farmer,287.8,8,good,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,urban,male,43,35-44,fourth,tertiary,self_employed,1053.95,3,good,0,95,1,sacco,17583.98,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2021,urban,male,49,45-54,highest,none,farmer,2231.91,10,none,0,339,1,microfinance,5835.13,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Malawi,2018,urban,female,19,18-24,middle,primary,unemployed,945.29,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,20,18-24,fourth,primary,self_employed,202.22,2,none,1,441,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,male,61,55+,fourth,primary,self_employed,304.77,4,limited,0,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,male,28,25-34,fourth,primary,employed_informal,937.06,1,good,0,850,1,family_friends,7054.27,property,emergency,1,6480.41,0.091,12,588.94,late_60_days,not_applicable,high_burden
Zambia,2025,rural,female,34,25-34,middle,primary,employed_informal,205.28,10,none,1,549,1,digital_lender,3278.94,none,emergency,1,3030.01,0.488,24,187.92,current,not_applicable,high_burden
South Africa,2019,rural,male,30,25-34,fourth,none,employed_informal,520.88,10,none,0,497,1,family_friends,5062.89,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mozambique,2024,rural,male,25,18-24,lowest,none,employed_formal,85.54,9,none,1,335,1,commercial_bank,5095.19,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2022,rural,male,50,45-54,lowest,secondary,employed_formal,90.13,8,good,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,female,41,35-44,highest,none,farmer,355.34,8,limited,1,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,male,63,55+,fourth,secondary,farmer,684.37,1,none,1,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,female,35,25-34,middle,secondary,employed_formal,72.64,8,limited,1,252,1,sacco,4159.73,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2018,rural,male,65,55+,second,secondary,employed_informal,266.93,2,none,0,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,male,67,55+,middle,primary,self_employed,992.8,1,good,1,469,1,commercial_bank,13909.02,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2025,urban,male,18,18-24,highest,secondary,employed_formal,656.64,5,good,0,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,female,58,55+,second,none,employed_formal,262.93,8,none,0,44,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,male,33,25-34,fourth,secondary,self_employed,575.54,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,male,42,35-44,second,secondary,self_employed,29.83,1,none,0,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,female,31,25-34,second,primary,employed_informal,112.44,1,excellent,1,422,1,commercial_bank,1928.76,savings,education,1,1838.29,0.197,24,91.7,current,not_applicable,high_burden
Malawi,2021,urban,male,68,55+,lowest,secondary,self_employed,123.02,7,limited,0,272,1,family_friends,1946.88,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2025,urban,female,20,18-24,second,secondary,self_employed,146.6,5,limited,1,83,1,commercial_bank,1181.67,vehicle,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2019,rural,female,67,55+,second,primary,employed_informal,209.81,3,limited,1,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,female,18,18-24,lowest,none,farmer,27.75,7,limited,1,82,1,family_friends,2061.97,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2020,urban,male,54,45-54,lowest,none,unemployed,101.52,1,good,0,134,1,family_friends,2227.18,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2022,rural,male,22,18-24,middle,tertiary,employed_informal,269.82,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,male,59,55+,middle,none,farmer,408.5,8,none,1,112,1,digital_lender,3685.33,none,asset_purchase,1,3555.33,0.434,12,424.86,late_30_days,not_applicable,high_burden
Mozambique,2018,rural,male,20,18-24,highest,secondary,unemployed,797.0,4,none,0,460,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,female,44,35-44,second,secondary,self_employed,75.63,5,excellent,1,756,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,male,62,55+,lowest,primary,self_employed,91.22,4,none,0,160,1,family_friends,2375.93,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2021,rural,male,65,55+,lowest,tertiary,employed_informal,153.38,6,limited,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,male,51,45-54,highest,secondary,farmer,758.46,10,good,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,female,35,25-34,middle,secondary,employed_formal,221.44,8,good,1,609,1,family_friends,3456.51,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2019,rural,female,38,35-44,fourth,primary,employed_informal,244.63,1,limited,0,550,1,family_friends,6435.18,none,education,1,6370.75,0.024,6,1087.54,current,not_applicable,high_burden
Ghana,2021,urban,male,22,18-24,second,none,self_employed,162.96,9,good,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,male,24,18-24,second,primary,employed_informal,58.49,8,none,1,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,male,63,55+,middle,secondary,employed_informal,111.27,8,none,1,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,female,30,25-34,fourth,tertiary,employed_informal,808.15,7,limited,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,male,33,25-34,fourth,primary,farmer,684.75,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,female,54,45-54,fourth,primary,self_employed,211.57,3,limited,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,male,25,18-24,second,primary,self_employed,171.17,3,none,0,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,male,49,45-54,second,secondary,self_employed,116.09,6,good,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,urban,male,45,35-44,fourth,primary,unemployed,1098.73,1,good,0,89,1,informal_lender,13747.67,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2019,rural,female,20,18-24,middle,secondary,employed_formal,318.49,10,none,0,168,1,family_friends,9425.86,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2019,rural,female,51,45-54,middle,secondary,farmer,367.65,1,limited,0,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,male,54,45-54,lowest,primary,unemployed,69.86,3,limited,0,674,1,family_friends,2443.79,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2022,urban,male,29,25-34,middle,none,unemployed,378.79,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,female,41,35-44,middle,primary,employed_informal,382.37,5,limited,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,male,57,55+,fourth,tertiary,self_employed,194.92,2,none,1,164,1,family_friends,1580.82,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mozambique,2022,rural,male,18,18-24,highest,none,employed_informal,596.04,3,limited,0,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,53,45-54,middle,primary,self_employed,108.91,6,limited,0,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,female,38,35-44,second,secondary,farmer,161.47,3,limited,1,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,female,49,45-54,lowest,primary,farmer,92.4,6,none,1,445,1,commercial_bank,2211.34,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2019,rural,male,28,25-34,highest,tertiary,employed_formal,504.53,8,good,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,male,35,25-34,lowest,primary,employed_formal,256.31,10,none,1,364,1,informal_lender,2364.67,guarantor,debt_consolidation,1,2218.3,0.832,24,169.37,current,not_applicable,high_burden
Nigeria,2023,rural,male,45,35-44,middle,primary,farmer,151.35,10,good,0,850,1,family_friends,4264.81,none,business,1,3997.5,0.093,24,182.04,current,not_applicable,high_burden
Niger,2018,rural,male,23,18-24,middle,primary,employed_informal,164.38,3,limited,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,male,42,35-44,middle,secondary,employed_informal,188.28,6,good,0,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,male,66,55+,middle,primary,unemployed,157.81,1,none,1,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,female,26,25-34,middle,secondary,employed_informal,55.28,9,none,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,male,60,55+,highest,tertiary,employed_formal,1373.46,7,excellent,0,419,1,digital_lender,11849.03,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2024,rural,male,19,18-24,fourth,secondary,employed_formal,209.6,10,none,0,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,female,18,18-24,highest,none,self_employed,1747.78,3,none,0,372,1,informal_lender,12322.73,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2022,urban,male,34,25-34,lowest,primary,unemployed,175.6,4,none,1,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,female,38,35-44,lowest,primary,farmer,48.9,6,none,0,591,1,family_friends,851.88,none,consumption,1,683.12,0.099,12,62.57,current,not_applicable,high_burden
Senegal,2024,urban,male,53,45-54,highest,tertiary,farmer,1864.24,5,none,1,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,female,48,45-54,fourth,primary,unemployed,519.48,5,none,0,709,1,family_friends,3869.08,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2021,urban,female,64,55+,second,secondary,employed_informal,136.52,3,limited,0,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,male,62,55+,lowest,secondary,employed_informal,30.16,6,limited,1,11,1,microfinance,2892.62,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2022,rural,male,22,18-24,middle,secondary,employed_informal,134.21,3,good,0,747,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,male,25,18-24,middle,secondary,self_employed,693.48,7,good,1,176,1,microfinance,25752.5,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2021,urban,male,59,55+,fourth,secondary,self_employed,377.1,6,good,1,287,1,commercial_bank,5600.15,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2021,rural,female,28,25-34,middle,none,self_employed,125.21,6,good,0,308,1,informal_lender,3587.55,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2025,rural,female,27,25-34,highest,secondary,employed_formal,718.32,4,none,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,female,28,25-34,lowest,secondary,farmer,21.43,5,none,0,603,1,informal_lender,2657.13,property,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2025,urban,female,69,55+,second,tertiary,unemployed,226.97,1,none,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,54,45-54,lowest,tertiary,self_employed,100.19,7,limited,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,rural,female,33,25-34,lowest,secondary,employed_formal,20.82,6,limited,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,62,55+,lowest,secondary,farmer,102.51,2,good,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,female,44,35-44,highest,secondary,self_employed,631.4,6,excellent,0,850,1,digital_lender,9488.92,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2022,urban,male,48,45-54,fourth,secondary,self_employed,1514.93,2,excellent,0,615,1,informal_lender,3048.82,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2019,rural,female,57,55+,lowest,tertiary,employed_formal,36.88,7,none,0,260,1,microfinance,4840.12,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2019,rural,male,41,35-44,lowest,secondary,unemployed,194.28,4,limited,1,268,1,family_friends,5361.77,vehicle,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2025,rural,male,21,18-24,highest,none,unemployed,365.65,1,limited,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,male,54,45-54,lowest,none,self_employed,152.51,8,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,female,21,18-24,highest,tertiary,farmer,606.21,10,none,0,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,57,55+,fourth,primary,self_employed,251.27,4,none,0,496,1,informal_lender,2717.91,savings,emergency,1,2711.13,0.844,12,416.53,late_30_days,not_applicable,high_burden
Nigeria,2023,rural,female,58,55+,fourth,secondary,farmer,209.76,1,none,1,685,1,microfinance,3134.68,equipment,education,1,3061.1,0.282,12,327.15,current,not_applicable,high_burden
Uganda,2024,rural,female,57,55+,lowest,secondary,employed_formal,56.03,4,none,0,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,male,28,25-34,lowest,tertiary,farmer,54.01,2,none,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,male,40,35-44,highest,tertiary,employed_formal,1289.35,10,limited,0,630,1,employer,9771.44,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2018,rural,female,30,25-34,second,secondary,employed_formal,434.27,6,good,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,female,66,55+,middle,secondary,self_employed,177.97,1,none,1,497,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,male,20,18-24,second,none,employed_formal,197.85,10,limited,0,588,1,sacco,4873.28,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2025,urban,female,57,55+,second,secondary,farmer,382.52,9,none,1,463,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,male,48,45-54,lowest,primary,employed_informal,178.55,7,good,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,female,65,55+,middle,none,employed_informal,433.41,4,none,1,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,male,34,25-34,fourth,primary,self_employed,409.69,6,none,1,421,1,sacco,2392.44,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2023,urban,male,32,25-34,second,primary,self_employed,65.99,1,none,0,444,1,sacco,4889.04,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2019,rural,male,30,25-34,highest,tertiary,employed_informal,682.49,4,none,1,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,female,46,45-54,second,primary,self_employed,87.24,3,none,1,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,female,66,55+,highest,primary,self_employed,576.56,5,good,0,526,1,family_friends,5408.71,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2018,rural,male,60,55+,lowest,secondary,farmer,25.89,6,none,0,443,1,digital_lender,1135.2,property,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mali,2020,urban,male,46,45-54,highest,primary,employed_informal,1348.54,6,none,0,769,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,rural,female,21,18-24,middle,secondary,employed_formal,151.2,7,limited,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,female,22,18-24,lowest,primary,employed_formal,152.51,10,limited,1,303,1,commercial_bank,11959.58,property,business,1,11627.4,0.159,36,374.38,late_30_days,not_applicable,high_burden
South Africa,2023,urban,female,35,25-34,highest,primary,employed_informal,342.99,9,good,1,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,male,51,45-54,middle,tertiary,self_employed,91.4,2,limited,1,340,1,microfinance,3359.2,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2024,urban,male,35,25-34,fourth,primary,self_employed,540.32,6,none,1,236,1,microfinance,5912.82,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2025,urban,female,38,35-44,middle,secondary,farmer,218.29,2,none,1,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,43,35-44,middle,tertiary,self_employed,173.87,1,excellent,1,336,1,commercial_bank,3134.65,savings,consumption,1,2853.59,0.139,12,270.89,current,not_applicable,high_burden
Mali,2020,rural,female,24,18-24,lowest,secondary,farmer,334.21,6,limited,0,712,1,microfinance,4784.76,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2023,urban,male,20,18-24,highest,primary,employed_informal,1714.16,8,none,0,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,urban,female,18,18-24,fourth,tertiary,employed_informal,283.39,10,none,0,252,1,family_friends,7647.86,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2022,urban,female,42,35-44,middle,tertiary,self_employed,512.47,5,none,1,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,female,33,25-34,fourth,none,unemployed,667.72,1,limited,0,763,1,family_friends,8906.45,property,emergency,1,7543.86,0.037,18,434.46,late_60_days,not_applicable,high_burden
Mozambique,2018,urban,female,66,55+,highest,none,employed_informal,1293.9,10,none,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,urban,female,26,25-34,fourth,primary,self_employed,114.59,9,none,1,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,male,18,18-24,fourth,none,self_employed,426.95,1,none,0,521,1,family_friends,10541.3,savings,education,1,10524.16,0.099,18,642.34,current,not_applicable,high_burden
Mali,2024,rural,male,41,35-44,lowest,none,unemployed,64.56,1,excellent,1,850,1,digital_lender,2333.56,none,asset_purchase,1,2102.88,0.48,12,259.32,paid_off,not_applicable,high_burden
Kenya,2024,urban,female,49,45-54,lowest,tertiary,employed_informal,49.51,8,good,1,481,1,commercial_bank,1190.32,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2025,rural,female,40,35-44,highest,tertiary,self_employed,390.16,9,limited,0,450,1,informal_lender,12793.33,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2023,rural,male,38,35-44,lowest,primary,unemployed,105.57,2,good,1,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,female,45,35-44,highest,tertiary,self_employed,1236.75,6,limited,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,urban,male,36,35-44,middle,primary,farmer,231.73,4,limited,0,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,urban,female,23,18-24,lowest,tertiary,employed_informal,159.09,7,excellent,1,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,female,44,35-44,lowest,primary,farmer,35.85,10,good,0,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,male,69,55+,middle,primary,self_employed,62.4,10,none,1,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,urban,male,47,45-54,second,primary,employed_informal,137.23,5,limited,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,male,27,25-34,highest,primary,unemployed,2155.32,1,limited,0,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,female,39,35-44,middle,primary,self_employed,58.14,7,limited,0,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,male,23,18-24,lowest,primary,self_employed,88.49,4,limited,1,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,male,41,35-44,middle,primary,employed_informal,492.09,9,none,1,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,female,62,55+,middle,none,self_employed,232.37,4,none,1,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,26,25-34,lowest,primary,farmer,34.55,1,none,0,41,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,female,22,18-24,middle,none,self_employed,281.44,4,none,1,40,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,female,22,18-24,fourth,secondary,employed_formal,204.65,10,limited,0,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,60,55+,highest,secondary,self_employed,2336.05,10,limited,1,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,male,36,35-44,lowest,secondary,employed_formal,68.26,9,none,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,21,18-24,lowest,primary,employed_formal,95.82,10,good,0,258,1,family_friends,4758.35,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Niger,2018,rural,male,21,18-24,middle,secondary,farmer,440.17,6,limited,0,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,male,58,55+,middle,primary,farmer,282.28,8,excellent,1,703,1,microfinance,4509.58,guarantor,business,1,4150.2,0.339,24,231.58,late_30_days,not_applicable,high_burden
DRC,2019,rural,female,45,35-44,highest,primary,farmer,300.56,8,limited,1,427,1,microfinance,4260.24,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2022,urban,male,52,45-54,second,secondary,employed_informal,150.34,7,none,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,female,67,55+,fourth,none,unemployed,657.54,5,limited,0,743,1,digital_lender,22778.21,savings,agriculture,1,21995.0,0.462,18,1786.23,current,not_applicable,high_burden
Nigeria,2018,rural,male,55,45-54,lowest,primary,farmer,133.14,7,none,1,463,1,sacco,1791.23,savings,business,1,1752.67,0.297,6,378.78,current,not_applicable,high_burden
Niger,2022,rural,female,39,35-44,second,secondary,employed_informal,51.84,5,none,1,646,1,commercial_bank,431.39,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2021,rural,male,50,45-54,middle,none,unemployed,300.86,2,limited,0,799,1,microfinance,4629.65,equipment,business,1,4295.43,0.27,24,227.34,current,not_applicable,high_burden
Niger,2020,rural,male,44,35-44,middle,secondary,self_employed,542.85,6,limited,1,673,1,microfinance,8151.93,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2018,rural,male,38,35-44,second,tertiary,self_employed,125.65,10,none,1,601,1,family_friends,2868.2,property,emergency,1,2628.13,0.058,12,231.75,late_60_days,not_applicable,high_burden
Uganda,2025,rural,female,65,55+,middle,primary,self_employed,546.04,2,none,1,0,1,sacco,10349.24,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2023,urban,male,64,55+,lowest,tertiary,employed_formal,28.69,7,limited,1,275,1,microfinance,1424.93,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2018,rural,male,52,45-54,middle,secondary,farmer,49.36,1,none,0,502,1,informal_lender,4755.44,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2025,rural,female,35,25-34,second,secondary,self_employed,283.86,1,good,0,648,1,employer,7390.59,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2024,rural,male,37,35-44,lowest,none,employed_informal,39.44,9,none,1,167,1,commercial_bank,6443.89,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2024,urban,male,21,18-24,highest,tertiary,unemployed,1222.28,3,none,1,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,female,46,45-54,second,secondary,farmer,135.97,4,limited,0,313,1,family_friends,2926.85,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2025,rural,female,56,55+,highest,secondary,self_employed,495.28,1,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,female,30,25-34,middle,primary,self_employed,42.52,8,none,0,176,1,sacco,1755.26,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2019,urban,female,18,18-24,lowest,secondary,employed_informal,103.16,10,none,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,female,18,18-24,highest,primary,employed_informal,793.96,4,good,0,803,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,female,20,18-24,lowest,none,employed_informal,148.27,10,limited,1,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,male,18,18-24,lowest,secondary,employed_formal,134.59,4,limited,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,23,18-24,fourth,secondary,self_employed,816.61,1,excellent,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,male,62,55+,second,primary,employed_formal,133.58,7,limited,1,455,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,male,24,18-24,highest,primary,unemployed,1993.48,1,none,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,24,18-24,lowest,primary,employed_informal,88.22,7,none,1,0,1,family_friends,5721.62,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2021,urban,female,67,55+,second,primary,farmer,353.88,4,excellent,0,707,1,family_friends,3801.19,equipment,agriculture,1,3327.25,0.066,12,295.58,current,not_applicable,high_burden
South Africa,2019,urban,male,21,18-24,second,secondary,self_employed,276.1,4,limited,1,375,1,family_friends,6467.3,guarantor,business,1,6205.47,0.014,18,349.53,paid_off,not_applicable,high_burden
DRC,2022,rural,male,19,18-24,second,secondary,employed_informal,329.14,3,limited,1,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,female,34,25-34,lowest,none,self_employed,44.8,9,limited,0,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,female,24,18-24,lowest,primary,self_employed,120.86,9,limited,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,42,35-44,middle,none,self_employed,110.76,9,limited,1,352,1,commercial_bank,1386.57,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2020,rural,male,45,35-44,lowest,tertiary,employed_formal,39.91,4,good,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,male,35,25-34,fourth,primary,employed_informal,213.22,3,limited,0,445,1,digital_lender,6229.95,none,agriculture,1,5005.17,0.456,6,1214.71,current,not_applicable,high_burden
Mali,2018,urban,male,55,45-54,highest,secondary,self_employed,2230.16,2,excellent,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,female,65,55+,fourth,none,employed_formal,438.09,7,limited,0,721,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,male,63,55+,middle,primary,employed_informal,209.44,4,good,0,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,female,54,45-54,second,secondary,employed_formal,322.62,10,none,0,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,urban,male,37,35-44,lowest,secondary,farmer,41.65,10,limited,0,85,1,informal_lender,558.65,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2019,rural,male,36,35-44,lowest,primary,farmer,98.81,9,limited,0,267,1,employer,5082.11,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2018,urban,male,35,25-34,highest,secondary,self_employed,520.14,1,none,0,731,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,male,41,35-44,lowest,secondary,self_employed,63.96,4,limited,1,781,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,male,54,45-54,highest,tertiary,self_employed,1009.21,5,excellent,1,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,62,55+,middle,secondary,employed_informal,240.97,6,limited,0,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,urban,male,64,55+,lowest,secondary,employed_informal,279.15,4,none,0,273,1,microfinance,2142.44,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2023,urban,male,38,35-44,middle,tertiary,self_employed,239.52,8,none,0,661,1,informal_lender,4530.86,equipment,education,1,4108.44,0.767,24,302.56,late_30_days,not_applicable,high_burden
Kenya,2019,urban,female,58,55+,lowest,secondary,employed_informal,315.06,2,none,0,282,1,family_friends,3073.71,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2024,rural,male,20,18-24,highest,primary,unemployed,301.74,4,none,1,726,1,microfinance,4996.32,savings,education,1,4320.44,0.299,12,467.72,current,not_applicable,high_burden
Nigeria,2025,urban,male,32,25-34,lowest,secondary,self_employed,56.89,2,none,0,382,1,family_friends,705.14,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2022,urban,male,48,45-54,second,tertiary,self_employed,69.85,5,limited,1,125,1,commercial_bank,2456.93,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2021,rural,male,50,45-54,middle,tertiary,farmer,150.49,6,good,1,655,1,commercial_bank,4653.26,equipment,agriculture,1,3840.67,0.177,24,188.31,paid_off,not_applicable,high_burden
Malawi,2018,urban,male,47,45-54,middle,none,employed_informal,331.48,8,limited,0,150,1,informal_lender,3232.77,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2018,rural,male,30,25-34,lowest,none,self_employed,34.38,10,limited,0,811,1,family_friends,1824.98,savings,agriculture,1,1663.4,0.064,12,147.51,current,not_applicable,high_burden
Ethiopia,2024,rural,male,66,55+,lowest,primary,farmer,59.61,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,female,53,45-54,middle,none,self_employed,223.55,9,limited,0,344,1,family_friends,2347.24,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2021,rural,female,36,35-44,lowest,secondary,self_employed,26.55,9,excellent,1,850,1,microfinance,1970.63,property,consumption,1,1658.85,0.282,12,177.22,late_60_days,not_applicable,high_burden
Uganda,2025,rural,male,47,45-54,fourth,primary,farmer,562.45,9,limited,1,235,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,female,55,45-54,lowest,primary,employed_formal,160.95,9,none,0,556,1,digital_lender,3438.16,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2018,rural,male,58,55+,middle,tertiary,farmer,234.41,6,limited,0,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,male,34,25-34,fourth,secondary,employed_formal,261.66,10,good,0,454,1,family_friends,8368.29,savings,business,1,7059.84,0.026,6,1206.91,paid_off,not_applicable,high_burden
Niger,2020,urban,female,21,18-24,fourth,none,self_employed,281.53,4,good,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,female,66,55+,second,secondary,self_employed,92.85,2,none,0,7,1,digital_lender,3129.62,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2020,rural,female,57,55+,second,primary,employed_informal,95.47,1,none,0,636,1,family_friends,2162.7,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2023,rural,female,29,25-34,middle,secondary,employed_formal,99.85,10,good,0,726,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,female,62,55+,lowest,none,unemployed,56.41,6,good,1,457,1,commercial_bank,1367.33,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2024,rural,male,44,35-44,middle,secondary,employed_formal,545.44,4,excellent,0,850,1,family_friends,12298.7,property,education,1,11596.64,0.06,6,2047.91,late_30_days,not_applicable,high_burden
Zambia,2020,urban,female,31,25-34,highest,secondary,unemployed,1051.22,4,good,0,360,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,female,46,45-54,lowest,tertiary,unemployed,19.92,1,limited,1,366,1,commercial_bank,2331.08,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Zambia,2020,urban,male,58,55+,lowest,secondary,unemployed,43.57,5,none,1,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,male,65,55+,fourth,none,employed_informal,56.63,1,good,0,172,1,microfinance,2588.34,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mozambique,2021,urban,female,48,45-54,fourth,none,employed_informal,1927.88,9,limited,1,779,1,commercial_bank,18264.13,none,consumption,1,18123.72,0.212,6,3661.77,paid_off,not_applicable,high_burden
Ghana,2018,rural,male,46,45-54,middle,tertiary,self_employed,266.8,1,none,0,393,1,sacco,3839.48,savings,education,1,3363.68,0.304,12,365.6,current,not_applicable,high_burden
Mozambique,2025,rural,male,43,35-44,highest,secondary,unemployed,666.44,1,none,0,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,female,40,35-44,middle,none,employed_informal,62.15,10,limited,0,497,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,male,31,25-34,second,secondary,unemployed,86.96,1,excellent,0,650,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,25,18-24,middle,secondary,self_employed,113.15,3,none,1,32,1,digital_lender,3721.31,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2022,urban,female,64,55+,middle,primary,farmer,79.61,3,limited,1,413,1,commercial_bank,3469.08,none,debt_consolidation,1,3135.01,0.214,6,634.1,defaulted,not_applicable,high_burden
Malawi,2022,rural,male,24,18-24,middle,primary,farmer,306.44,4,none,0,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,female,27,25-34,lowest,primary,employed_informal,63.03,6,none,0,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,urban,female,55,45-54,highest,none,self_employed,591.06,5,none,0,310,1,informal_lender,6511.33,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2021,rural,male,64,55+,lowest,primary,self_employed,38.66,1,none,1,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,40,35-44,fourth,primary,farmer,245.04,3,none,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,female,30,25-34,lowest,primary,employed_informal,56.98,3,limited,1,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,rural,male,21,18-24,second,none,self_employed,71.43,2,good,0,724,1,employer,3053.33,vehicle,housing,1,3015.02,0.086,6,545.89,late_30_days,not_applicable,high_burden
Mozambique,2018,rural,male,50,45-54,highest,secondary,unemployed,304.34,1,limited,0,448,1,informal_lender,1883.62,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2023,rural,male,49,45-54,second,none,employed_informal,109.27,6,excellent,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,female,46,45-54,second,tertiary,self_employed,196.09,10,excellent,1,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,22,18-24,second,secondary,unemployed,124.2,1,excellent,1,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,male,58,55+,highest,secondary,self_employed,1724.17,3,none,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,female,48,45-54,lowest,tertiary,farmer,51.16,4,limited,1,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,urban,male,68,55+,lowest,secondary,farmer,63.75,1,limited,0,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,male,57,55+,second,primary,employed_informal,145.82,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,28,25-34,lowest,primary,self_employed,40.43,3,none,0,179,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,male,41,35-44,lowest,secondary,self_employed,29.77,8,none,1,63,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,19,18-24,lowest,primary,unemployed,23.26,1,limited,0,307,1,family_friends,894.18,property,agriculture,1,866.26,0.003,6,144.88,current,not_applicable,high_burden
Tanzania,2023,urban,male,67,55+,middle,tertiary,employed_informal,155.2,10,good,0,111,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,male,32,25-34,fourth,none,employed_informal,247.72,1,good,1,463,1,sacco,6382.52,none,education,1,6251.26,0.35,24,351.73,current,not_applicable,high_burden
Mali,2022,urban,male,52,45-54,second,primary,farmer,47.76,9,none,0,91,1,family_friends,4959.82,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2023,rural,female,24,18-24,highest,secondary,employed_informal,1028.37,10,limited,0,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,41,35-44,lowest,tertiary,self_employed,144.08,9,excellent,1,850,1,commercial_bank,4622.87,savings,agriculture,1,4085.11,0.18,18,267.87,late_60_days,not_applicable,high_burden
Nigeria,2021,rural,female,69,55+,fourth,secondary,farmer,381.85,1,none,0,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,male,63,55+,lowest,none,employed_informal,47.39,8,none,0,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,male,27,25-34,fourth,none,unemployed,512.01,1,limited,0,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,male,21,18-24,middle,tertiary,employed_informal,204.53,4,none,0,268,1,family_friends,9622.89,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2020,urban,male,25,18-24,second,secondary,employed_formal,77.83,6,limited,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,41,35-44,highest,secondary,unemployed,523.26,3,limited,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,male,22,18-24,second,tertiary,farmer,199.72,3,excellent,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,male,26,25-34,lowest,secondary,self_employed,70.71,8,none,0,0,1,digital_lender,1692.67,property,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2025,urban,male,64,55+,second,secondary,self_employed,472.07,9,limited,1,226,1,informal_lender,6546.79,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2023,rural,male,66,55+,highest,secondary,self_employed,422.72,2,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,rural,male,47,45-54,second,tertiary,employed_formal,100.26,6,none,0,263,1,microfinance,4051.38,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2018,rural,male,59,55+,highest,secondary,employed_formal,2482.11,10,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,rural,male,50,45-54,lowest,primary,self_employed,55.99,8,none,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,48,45-54,fourth,primary,self_employed,225.48,3,limited,0,129,1,family_friends,2266.88,guarantor,agriculture,1,2186.32,0.056,12,192.34,late_60_days,not_applicable,high_burden
Senegal,2022,urban,female,61,55+,middle,secondary,self_employed,315.52,7,good,0,557,1,microfinance,7080.23,property,education,1,6510.6,0.298,18,469.63,late_30_days,not_applicable,high_burden
Malawi,2019,rural,male,32,25-34,second,secondary,unemployed,48.35,5,none,1,471,1,digital_lender,2273.61,savings,emergency,1,2225.58,0.434,18,177.33,current,not_applicable,high_burden
Mozambique,2020,urban,female,60,55+,second,primary,self_employed,163.01,9,none,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,male,61,55+,lowest,secondary,employed_formal,35.95,10,excellent,1,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,urban,male,62,55+,fourth,none,employed_formal,772.6,10,limited,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,male,45,35-44,fourth,secondary,farmer,658.31,6,good,0,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,female,69,55+,lowest,secondary,employed_informal,282.33,10,limited,1,778,1,family_friends,4724.9,property,business,1,3886.1,0.074,6,695.53,current,not_applicable,high_burden
Senegal,2024,rural,male,19,18-24,lowest,secondary,self_employed,49.23,7,limited,0,379,1,family_friends,1700.21,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2018,rural,female,34,25-34,middle,tertiary,self_employed,37.27,6,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,female,31,25-34,second,secondary,farmer,101.52,8,good,0,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,male,53,45-54,fourth,secondary,employed_informal,1507.56,8,limited,0,33,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,male,47,45-54,second,none,farmer,300.35,5,limited,1,95,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,female,30,25-34,lowest,primary,employed_informal,41.08,3,none,0,188,1,microfinance,3178.24,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Kenya,2020,urban,female,64,55+,middle,secondary,employed_formal,848.13,8,none,1,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,male,66,55+,highest,secondary,employed_formal,587.2,10,limited,0,806,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,51,45-54,highest,tertiary,self_employed,649.25,7,none,0,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,female,45,35-44,lowest,none,employed_formal,33.38,10,none,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,urban,male,50,45-54,fourth,none,employed_formal,1531.28,4,excellent,1,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,male,59,55+,second,primary,farmer,155.36,10,limited,0,182,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,rural,female,23,18-24,fourth,secondary,farmer,806.96,10,good,1,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,female,61,55+,fourth,tertiary,farmer,328.87,1,limited,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,male,51,45-54,lowest,none,employed_formal,32.83,10,good,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,female,33,25-34,middle,secondary,employed_formal,208.4,10,limited,0,392,1,digital_lender,1894.6,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2019,urban,female,20,18-24,fourth,secondary,farmer,350.76,2,none,0,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,male,50,45-54,middle,secondary,employed_informal,202.71,1,none,1,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,male,66,55+,fourth,none,self_employed,226.15,10,none,1,11,1,commercial_bank,7088.36,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2021,urban,male,24,18-24,second,secondary,farmer,81.41,7,good,1,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,male,65,55+,highest,tertiary,employed_informal,538.48,8,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,44,35-44,lowest,primary,employed_informal,152.29,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,female,60,55+,second,primary,self_employed,87.22,1,limited,0,737,1,employer,1758.78,none,business,1,1559.43,0.092,24,70.98,current,not_applicable,high_burden
Ethiopia,2024,urban,male,26,25-34,lowest,secondary,self_employed,65.74,10,none,0,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,urban,male,61,55+,fourth,tertiary,self_employed,1032.97,3,limited,1,806,1,microfinance,15240.33,guarantor,agriculture,1,14601.2,0.285,18,1042.21,current,not_applicable,high_burden
South Africa,2018,urban,female,58,55+,second,primary,self_employed,225.95,4,none,0,318,1,family_friends,5748.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2023,urban,female,58,55+,middle,secondary,self_employed,1058.73,4,none,0,195,1,commercial_bank,5006.61,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2023,rural,female,59,55+,second,secondary,farmer,36.72,3,limited,0,546,1,family_friends,899.36,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2022,urban,male,49,45-54,highest,secondary,self_employed,522.6,10,good,1,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,female,42,35-44,fourth,primary,employed_informal,479.73,5,none,1,514,1,commercial_bank,5201.66,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2025,urban,female,48,45-54,fourth,tertiary,farmer,580.5,4,limited,0,138,1,informal_lender,8275.66,savings,agriculture,1,7067.11,0.812,12,1067.25,current,not_applicable,high_burden
Mali,2019,urban,male,61,55+,lowest,primary,self_employed,100.22,5,good,0,843,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,female,63,55+,fourth,tertiary,employed_informal,1125.12,8,excellent,1,850,1,microfinance,5219.5,guarantor,business,1,4638.17,0.316,36,169.57,paid_off,not_applicable,high_burden
Kenya,2019,urban,female,39,35-44,second,secondary,unemployed,180.56,3,none,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,male,59,55+,lowest,none,employed_informal,118.73,7,none,0,0,1,family_friends,2026.89,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2022,rural,female,39,35-44,fourth,none,farmer,577.15,9,limited,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,male,51,45-54,second,none,farmer,41.49,5,excellent,0,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,57,55+,highest,none,unemployed,385.21,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,female,33,25-34,highest,primary,farmer,472.6,5,none,0,784,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,female,30,25-34,lowest,tertiary,employed_formal,43.3,6,limited,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,male,45,35-44,second,none,unemployed,137.69,3,limited,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,male,57,55+,highest,tertiary,farmer,630.42,4,none,1,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,male,41,35-44,fourth,secondary,self_employed,486.04,8,none,1,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,female,35,25-34,fourth,primary,unemployed,886.24,1,limited,0,778,1,digital_lender,4786.71,none,business,1,4357.96,0.437,6,1043.86,current,not_applicable,high_burden
Mali,2021,urban,male,33,25-34,lowest,secondary,farmer,41.42,6,limited,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,urban,male,40,35-44,lowest,none,self_employed,153.72,10,limited,1,355,1,commercial_bank,3234.9,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
DRC,2021,urban,male,58,55+,lowest,none,employed_informal,195.82,1,none,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,male,18,18-24,second,none,employed_formal,89.09,4,good,0,314,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,urban,female,58,55+,second,secondary,self_employed,176.01,2,none,0,513,1,sacco,1709.4,equipment,business,1,1467.36,0.348,36,54.96,defaulted,not_applicable,high_burden
Senegal,2022,rural,male,42,35-44,second,primary,employed_formal,25.08,4,limited,1,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,female,19,18-24,lowest,primary,employed_informal,251.67,2,none,1,302,1,microfinance,2402.18,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mali,2021,rural,female,47,45-54,highest,none,employed_informal,587.57,10,none,1,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,male,48,45-54,middle,primary,self_employed,388.63,4,none,1,73,1,commercial_bank,6414.44,guarantor,education,1,5958.42,0.227,36,203.03,current,not_applicable,high_burden
Nigeria,2019,urban,female,48,45-54,lowest,primary,farmer,85.97,1,limited,0,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,female,40,35-44,highest,primary,farmer,888.76,8,limited,0,614,1,sacco,1970.52,property,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2020,rural,female,59,55+,lowest,tertiary,farmer,62.99,9,none,1,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,female,61,55+,second,secondary,employed_informal,166.16,7,good,1,366,1,sacco,5220.34,none,education,1,5182.26,0.291,12,557.33,current,not_applicable,high_burden
Ethiopia,2025,rural,female,39,35-44,highest,primary,farmer,935.92,10,limited,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,male,49,45-54,lowest,secondary,farmer,190.95,10,limited,0,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,male,58,55+,middle,secondary,employed_informal,435.44,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,male,53,45-54,highest,primary,farmer,234.2,7,good,1,850,1,microfinance,1898.76,savings,business,1,1708.1,0.32,36,62.64,current,not_applicable,high_burden
DRC,2023,rural,male,27,25-34,fourth,secondary,employed_formal,801.1,10,limited,1,446,1,commercial_bank,7796.75,guarantor,agriculture,1,7109.92,0.156,36,228.25,current,not_applicable,high_burden
Kenya,2020,urban,female,50,45-54,lowest,primary,self_employed,161.61,9,good,1,284,1,commercial_bank,3197.47,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2020,rural,male,55,45-54,lowest,primary,employed_informal,48.69,9,none,0,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,female,22,18-24,fourth,tertiary,farmer,231.99,8,good,1,850,1,family_friends,3779.45,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
DRC,2025,rural,male,24,18-24,middle,primary,farmer,249.65,7,none,1,562,1,informal_lender,5789.44,none,emergency,1,5036.0,0.807,24,379.22,current,not_applicable,high_burden
Zambia,2019,urban,female,61,55+,highest,primary,employed_informal,726.38,7,excellent,0,769,1,informal_lender,6939.4,none,agriculture,1,5902.57,0.831,18,600.33,current,not_applicable,high_burden
Kenya,2024,urban,male,65,55+,second,secondary,unemployed,569.77,4,limited,0,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,male,47,45-54,second,secondary,self_employed,31.36,9,limited,0,245,1,family_friends,2377.36,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mozambique,2025,rural,female,20,18-24,lowest,primary,farmer,93.07,5,limited,0,667,1,digital_lender,4891.06,none,housing,1,4576.01,0.447,18,367.76,paid_off,not_applicable,high_burden
Ghana,2020,rural,male,28,25-34,middle,secondary,employed_informal,249.52,8,none,0,634,1,family_friends,4326.36,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mozambique,2021,urban,female,23,18-24,second,primary,self_employed,300.37,9,none,0,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,male,33,25-34,second,secondary,self_employed,217.88,1,excellent,1,287,1,microfinance,6139.49,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2023,urban,male,25,18-24,lowest,secondary,employed_informal,234.72,1,none,1,0,1,commercial_bank,2510.78,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2019,urban,female,31,25-34,middle,none,self_employed,276.05,10,excellent,0,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,male,58,55+,second,none,self_employed,153.3,10,excellent,0,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,50,45-54,lowest,primary,self_employed,139.01,7,limited,1,189,1,microfinance,2698.45,guarantor,emergency,1,2559.76,0.308,12,279.02,defaulted,not_applicable,high_burden
Uganda,2019,rural,male,34,25-34,fourth,none,self_employed,531.63,6,limited,0,370,1,informal_lender,13727.83,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2018,urban,female,33,25-34,middle,secondary,farmer,285.3,2,none,0,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,female,33,25-34,lowest,tertiary,unemployed,64.1,6,limited,1,689,1,microfinance,756.6,guarantor,education,1,714.85,0.312,12,78.15,current,not_applicable,high_burden
Kenya,2023,urban,female,39,35-44,fourth,none,employed_formal,1477.1,10,none,0,62,1,commercial_bank,7701.76,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2021,urban,female,19,18-24,lowest,primary,self_employed,60.33,2,none,1,609,1,digital_lender,3732.61,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2025,rural,male,27,25-34,lowest,primary,employed_informal,18.98,9,none,0,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,male,60,55+,fourth,secondary,farmer,283.9,7,limited,0,707,1,family_friends,5367.6,guarantor,consumption,1,4828.48,0.032,36,138.39,current,not_applicable,high_burden
Ghana,2020,rural,male,32,25-34,lowest,primary,unemployed,42.11,4,none,0,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,51,45-54,middle,primary,self_employed,191.38,5,none,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,male,57,55+,second,secondary,farmer,112.21,6,limited,0,382,1,microfinance,2606.42,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2018,urban,female,58,55+,lowest,none,self_employed,97.23,5,good,1,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,male,50,45-54,lowest,tertiary,self_employed,44.12,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,male,65,55+,lowest,primary,employed_informal,31.98,3,none,1,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,female,46,45-54,lowest,secondary,farmer,46.0,2,none,1,256,1,commercial_bank,4084.72,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2024,urban,female,43,35-44,middle,primary,unemployed,189.05,1,none,0,197,1,commercial_bank,4375.69,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2020,urban,male,43,35-44,second,secondary,farmer,139.07,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,female,33,25-34,middle,none,self_employed,176.06,4,none,0,0,1,informal_lender,3984.89,guarantor,business,1,3312.95,0.845,18,339.54,current,not_applicable,high_burden
Tanzania,2022,rural,male,50,45-54,second,primary,self_employed,151.89,4,limited,1,363,1,sacco,6408.02,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2024,rural,female,41,35-44,middle,tertiary,employed_informal,473.97,7,none,0,70,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,female,27,25-34,fourth,primary,self_employed,368.9,3,none,0,0,1,family_friends,10769.69,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2019,urban,male,51,45-54,fourth,tertiary,employed_formal,258.12,4,none,1,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,male,55,45-54,highest,secondary,farmer,556.99,8,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,21,18-24,lowest,secondary,self_employed,64.5,3,good,1,90,1,commercial_bank,1824.2,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2022,rural,female,25,18-24,highest,none,farmer,504.83,5,good,1,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,female,54,45-54,highest,secondary,farmer,404.24,4,none,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,31,25-34,middle,primary,self_employed,287.12,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,female,29,25-34,lowest,primary,self_employed,108.6,2,none,1,559,1,commercial_bank,2906.43,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2021,urban,female,66,55+,fourth,tertiary,farmer,988.34,7,limited,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,urban,female,57,55+,lowest,secondary,employed_informal,50.12,10,limited,0,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,male,61,55+,middle,primary,unemployed,242.3,6,limited,0,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,male,54,45-54,fourth,tertiary,employed_formal,556.3,10,limited,1,15,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,female,66,55+,middle,secondary,unemployed,833.15,2,none,1,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,male,47,45-54,highest,primary,self_employed,366.64,9,limited,1,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,39,35-44,highest,primary,employed_informal,587.46,4,none,0,760,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,urban,female,21,18-24,highest,secondary,employed_informal,832.43,5,none,1,333,1,commercial_bank,13073.29,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2023,rural,female,56,55+,middle,secondary,employed_informal,201.18,1,good,0,234,1,commercial_bank,11397.55,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2019,urban,female,45,35-44,lowest,secondary,self_employed,41.2,4,none,0,582,1,sacco,2280.46,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2024,urban,female,41,35-44,lowest,secondary,unemployed,169.67,4,none,0,506,1,digital_lender,2159.36,equipment,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
South Africa,2023,urban,male,64,55+,second,tertiary,employed_informal,286.33,5,none,1,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,female,60,55+,second,primary,employed_formal,82.71,10,none,0,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,urban,male,46,45-54,fourth,secondary,farmer,322.25,4,limited,1,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,63,55+,middle,none,farmer,511.16,1,none,1,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,female,50,45-54,lowest,tertiary,employed_informal,54.52,2,none,1,41,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,male,18,18-24,lowest,primary,employed_informal,70.81,4,none,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,urban,male,60,55+,middle,secondary,employed_formal,569.54,8,none,0,0,1,informal_lender,2576.28,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2023,urban,male,29,25-34,middle,primary,self_employed,859.51,5,none,1,423,1,informal_lender,18750.98,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
DRC,2019,rural,female,27,25-34,fourth,primary,self_employed,406.58,4,limited,0,401,1,family_friends,8063.82,guarantor,debt_consolidation,1,7639.77,0.01,36,214.27,paid_off,not_applicable,high_burden
Mali,2021,rural,female,18,18-24,highest,none,farmer,357.66,10,limited,0,770,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,male,30,25-34,middle,tertiary,self_employed,303.58,8,good,0,650,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,male,65,55+,middle,none,employed_formal,508.18,6,limited,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,female,35,25-34,lowest,primary,self_employed,51.17,2,excellent,1,850,1,commercial_bank,3040.69,none,education,1,2549.46,0.167,18,165.3,current,not_applicable,high_burden
Tanzania,2019,rural,female,46,45-54,middle,secondary,self_employed,45.25,9,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,urban,female,56,55+,second,primary,employed_formal,414.57,5,limited,1,209,1,commercial_bank,12552.96,property,asset_purchase,1,10965.53,0.142,12,1043.35,late_30_days,not_applicable,high_burden
Ethiopia,2019,rural,female,67,55+,lowest,secondary,farmer,53.36,10,excellent,0,839,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,female,68,55+,second,secondary,farmer,393.62,2,none,0,242,1,family_friends,8613.59,guarantor,housing,1,8068.66,0.019,36,228.33,defaulted,not_applicable,high_burden
Uganda,2018,urban,female,36,35-44,second,primary,self_employed,90.65,10,limited,0,226,1,sacco,2399.01,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2019,urban,male,22,18-24,middle,secondary,unemployed,150.13,4,excellent,0,817,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,male,32,25-34,highest,secondary,unemployed,981.42,4,good,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,29,25-34,second,tertiary,unemployed,238.65,1,none,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,male,19,18-24,highest,tertiary,employed_informal,401.69,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,male,24,18-24,lowest,tertiary,self_employed,60.63,10,none,0,312,1,microfinance,1669.59,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2018,urban,female,66,55+,fourth,primary,farmer,326.55,4,limited,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,female,66,55+,second,secondary,farmer,103.09,6,excellent,1,850,1,sacco,4815.9,equipment,business,1,4625.5,0.319,12,508.53,late_30_days,not_applicable,high_burden
Senegal,2019,rural,female,28,25-34,highest,primary,farmer,980.97,3,good,0,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,56,55+,middle,none,farmer,42.93,10,good,1,615,1,sacco,1504.16,savings,emergency,1,1284.19,0.301,6,278.41,late_60_days,not_applicable,high_burden
Niger,2020,urban,male,64,55+,second,secondary,employed_informal,519.23,10,good,0,844,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,urban,male,31,25-34,second,tertiary,farmer,212.42,7,none,1,457,1,commercial_bank,7561.54,none,education,1,6980.22,0.163,12,676.45,current,not_applicable,high_burden
Rwanda,2022,rural,male,25,18-24,middle,tertiary,unemployed,52.07,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,urban,male,49,45-54,fourth,primary,unemployed,1508.59,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,female,32,25-34,middle,primary,self_employed,290.89,9,none,0,750,1,informal_lender,5562.1,savings,education,1,5345.69,0.789,6,1593.47,late_60_days,not_applicable,high_burden
Uganda,2018,urban,female,46,45-54,fourth,tertiary,employed_formal,251.35,10,good,1,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,male,62,55+,middle,secondary,farmer,348.21,3,excellent,0,164,1,commercial_bank,12579.4,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2021,rural,female,32,25-34,lowest,secondary,employed_formal,70.93,7,limited,1,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,male,38,35-44,lowest,primary,employed_informal,132.24,7,none,0,664,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,female,29,25-34,lowest,primary,unemployed,89.86,3,none,1,372,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,male,33,25-34,fourth,tertiary,unemployed,172.17,6,none,0,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,male,31,25-34,middle,primary,self_employed,130.73,5,good,0,431,1,family_friends,7869.95,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2021,urban,female,24,18-24,fourth,primary,farmer,222.78,5,limited,1,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,male,56,55+,middle,secondary,farmer,83.36,1,limited,0,779,1,informal_lender,3522.51,none,business,1,3476.83,0.798,12,520.85,current,not_applicable,high_burden
Kenya,2024,rural,male,46,45-54,middle,secondary,self_employed,254.75,7,limited,0,191,1,family_friends,5016.81,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2018,urban,female,44,35-44,fourth,secondary,employed_informal,1111.16,5,limited,0,778,1,digital_lender,5890.97,equipment,business,1,5213.8,0.428,6,1240.84,late_30_days,not_applicable,high_burden
Tanzania,2022,rural,male,37,35-44,lowest,secondary,self_employed,63.78,10,none,1,427,1,family_friends,3445.37,none,emergency,1,3360.92,0.09,12,305.39,late_60_days,not_applicable,high_burden
Mali,2020,rural,male,69,55+,highest,secondary,unemployed,306.64,1,good,0,831,1,family_friends,12714.15,none,business,1,12096.94,0.006,12,1014.39,current,not_applicable,high_burden
Senegal,2021,rural,female,33,25-34,lowest,primary,farmer,150.53,8,limited,1,112,1,family_friends,5238.02,none,consumption,1,4578.2,0.021,12,389.53,late_60_days,not_applicable,high_burden
Malawi,2022,urban,male,44,35-44,second,none,employed_formal,264.41,7,none,1,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,female,43,35-44,highest,secondary,farmer,882.83,3,limited,0,459,1,microfinance,3875.8,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2025,rural,female,65,55+,highest,primary,farmer,1425.55,6,none,1,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,female,61,55+,second,tertiary,unemployed,81.72,5,limited,0,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,male,46,45-54,second,secondary,unemployed,1200.45,1,limited,0,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,male,38,35-44,middle,secondary,employed_informal,86.9,5,limited,1,83,1,microfinance,8435.71,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2022,urban,male,47,45-54,fourth,primary,unemployed,1303.92,4,good,0,826,1,commercial_bank,19067.71,savings,asset_purchase,1,18044.41,0.15,12,1729.68,current,not_applicable,high_burden
South Africa,2020,rural,female,29,25-34,middle,secondary,farmer,108.94,2,none,1,66,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,male,38,35-44,fourth,primary,self_employed,1408.44,6,limited,0,463,1,digital_lender,28031.82,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2025,rural,female,63,55+,second,primary,self_employed,133.13,4,good,1,584,1,informal_lender,1841.69,guarantor,business,1,1708.61,0.826,12,259.95,late_30_days,not_applicable,high_burden
Rwanda,2024,urban,female,66,55+,middle,primary,self_employed,337.41,8,limited,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,female,55,45-54,second,primary,unemployed,333.96,3,good,1,795,1,microfinance,3090.92,none,business,1,2508.09,0.284,12,268.45,defaulted,not_applicable,high_burden
Zambia,2021,rural,female,19,18-24,second,tertiary,employed_informal,207.94,7,none,0,191,1,family_friends,22454.96,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2020,rural,male,44,35-44,lowest,primary,farmer,31.14,5,limited,0,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,female,63,55+,second,primary,farmer,93.21,6,limited,0,754,1,informal_lender,4024.8,none,agriculture,1,3301.78,0.806,18,331.33,late_30_days,not_applicable,high_burden
Mozambique,2019,rural,male,55,45-54,second,tertiary,employed_informal,246.87,10,none,0,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,56,55+,lowest,secondary,farmer,50.28,6,none,0,660,1,informal_lender,1887.96,none,consumption,1,1695.35,0.794,12,253.44,current,not_applicable,high_burden
Zambia,2023,urban,female,48,45-54,highest,secondary,employed_informal,3530.03,10,limited,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,female,55,45-54,fourth,primary,self_employed,419.09,4,limited,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,urban,female,47,45-54,lowest,secondary,farmer,87.07,5,none,0,589,1,informal_lender,4090.57,none,emergency,1,3645.02,0.777,24,269.84,current,not_applicable,high_burden
Mali,2019,urban,female,46,45-54,middle,secondary,farmer,595.93,8,none,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,urban,female,23,18-24,middle,secondary,employed_informal,356.06,6,good,1,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,urban,female,62,55+,middle,primary,unemployed,290.27,2,good,0,347,1,informal_lender,5140.28,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2023,rural,female,61,55+,lowest,tertiary,self_employed,50.74,5,excellent,0,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,male,38,35-44,lowest,secondary,farmer,38.6,2,limited,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,42,35-44,lowest,none,self_employed,70.52,2,good,0,807,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,60,55+,middle,none,self_employed,167.25,7,limited,1,202,1,microfinance,2434.3,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2021,urban,female,53,45-54,middle,primary,farmer,433.14,1,excellent,0,714,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,female,48,45-54,lowest,primary,employed_informal,94.39,6,good,0,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,female,65,55+,lowest,none,self_employed,94.66,5,good,1,674,1,family_friends,3274.28,vehicle,housing,1,3224.19,0.002,12,269.12,paid_off,not_applicable,high_burden
DRC,2019,urban,female,52,45-54,fourth,secondary,employed_informal,1347.35,10,limited,0,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,46,45-54,lowest,primary,employed_formal,99.23,10,none,0,731,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,urban,female,31,25-34,fourth,secondary,employed_informal,758.51,9,none,1,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,male,26,25-34,second,primary,farmer,52.91,2,none,1,264,1,commercial_bank,3851.4,property,emergency,1,3744.18,0.202,12,375.0,current,not_applicable,high_burden
Niger,2019,urban,male,47,45-54,second,secondary,employed_formal,54.43,8,none,1,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,female,51,45-54,middle,primary,employed_informal,410.23,1,good,0,615,1,family_friends,8658.59,property,asset_purchase,1,7117.37,0.04,12,616.58,late_30_days,not_applicable,high_burden
Malawi,2019,rural,male,31,25-34,lowest,secondary,self_employed,28.39,10,good,1,809,1,commercial_bank,1341.02,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ethiopia,2025,urban,female,27,25-34,middle,tertiary,employed_informal,70.8,6,none,0,744,1,family_friends,1877.5,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2022,rural,female,33,25-34,second,primary,self_employed,83.91,5,good,0,376,1,family_friends,2372.95,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2024,urban,male,62,55+,lowest,none,employed_informal,90.37,5,limited,1,815,1,commercial_bank,3830.42,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2025,urban,male,53,45-54,highest,secondary,unemployed,1585.76,1,none,1,385,1,microfinance,27665.82,guarantor,education,1,24542.75,0.325,6,5417.97,current,not_applicable,high_burden
Mozambique,2023,rural,female,46,45-54,second,none,employed_informal,125.28,8,none,1,733,1,sacco,6062.21,vehicle,asset_purchase,1,5776.81,0.356,12,653.0,late_30_days,not_applicable,high_burden
Nigeria,2020,urban,male,31,25-34,highest,secondary,employed_formal,676.51,10,none,1,484,1,microfinance,6133.84,none,emergency,1,5598.08,0.285,6,1199.33,current,not_applicable,high_burden
DRC,2019,rural,male,34,25-34,middle,secondary,farmer,150.12,5,none,1,440,1,sacco,5732.25,guarantor,education,1,5684.73,0.303,48,154.28,current,not_applicable,high_burden
Nigeria,2025,urban,female,40,35-44,fourth,primary,farmer,129.76,7,limited,0,102,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,male,53,45-54,second,secondary,farmer,358.54,10,limited,0,18,1,digital_lender,4291.2,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2025,rural,male,51,45-54,lowest,tertiary,farmer,72.16,5,limited,1,295,1,microfinance,2091.97,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2022,rural,male,58,55+,highest,tertiary,farmer,900.07,10,none,0,814,1,informal_lender,15034.78,guarantor,consumption,1,14232.28,0.844,48,546.85,defaulted,not_applicable,high_burden
Rwanda,2023,rural,female,69,55+,second,primary,farmer,150.86,10,none,0,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,male,38,35-44,middle,secondary,unemployed,534.78,2,none,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,male,42,35-44,middle,tertiary,employed_informal,360.26,1,none,1,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,urban,female,57,55+,highest,secondary,employed_formal,512.5,6,none,0,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,42,35-44,fourth,tertiary,employed_formal,277.07,4,excellent,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,female,42,35-44,second,primary,self_employed,170.92,2,limited,0,512,1,sacco,9832.85,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2022,urban,female,53,45-54,fourth,secondary,unemployed,321.24,1,limited,0,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,female,40,35-44,highest,none,farmer,474.37,7,limited,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,male,59,55+,lowest,primary,self_employed,44.72,3,none,1,24,1,microfinance,2165.07,none,housing,1,1785.07,0.326,6,394.53,late_30_days,not_applicable,high_burden
Kenya,2022,urban,male,52,45-54,fourth,none,farmer,482.21,1,good,1,158,1,sacco,11416.67,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2022,urban,male,63,55+,lowest,primary,self_employed,98.7,3,none,1,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,rural,female,44,35-44,fourth,secondary,employed_informal,501.21,1,none,1,239,1,family_friends,7850.59,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2020,urban,male,37,35-44,second,primary,unemployed,390.37,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,male,30,25-34,fourth,secondary,unemployed,762.97,5,none,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,male,22,18-24,lowest,none,farmer,73.95,10,good,0,169,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,male,64,55+,fourth,secondary,self_employed,444.27,2,none,1,198,1,sacco,3105.47,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2022,urban,female,69,55+,second,tertiary,self_employed,250.78,6,none,1,247,1,digital_lender,2184.2,none,business,1,1924.4,0.473,6,472.43,current,not_applicable,high_burden
Senegal,2020,urban,male,22,18-24,lowest,none,employed_informal,70.22,5,limited,0,614,1,informal_lender,3436.08,property,business,1,3307.6,0.76,6,970.48,paid_off,not_applicable,high_burden
Senegal,2023,urban,female,65,55+,middle,tertiary,employed_informal,94.98,3,none,1,247,1,family_friends,1774.15,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2020,rural,male,26,25-34,second,secondary,self_employed,156.38,6,good,0,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,female,68,55+,fourth,none,employed_formal,480.5,10,limited,0,843,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,male,48,45-54,highest,primary,self_employed,987.99,7,none,0,93,1,microfinance,19341.28,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2024,rural,male,42,35-44,lowest,secondary,self_employed,132.3,8,limited,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,female,41,35-44,lowest,secondary,farmer,58.94,3,limited,1,38,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,male,48,45-54,middle,primary,self_employed,512.41,2,good,1,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,urban,male,52,45-54,highest,none,employed_formal,1228.93,4,limited,1,488,1,sacco,3946.13,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2020,rural,male,58,55+,lowest,secondary,farmer,50.47,3,none,0,14,1,family_friends,4027.59,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mali,2022,rural,female,65,55+,highest,tertiary,self_employed,228.64,9,excellent,1,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,female,69,55+,lowest,primary,employed_formal,60.77,10,good,0,682,1,family_friends,6990.61,property,emergency,1,5855.23,0.007,6,982.83,late_30_days,not_applicable,high_burden
Ethiopia,2020,urban,female,34,25-34,lowest,secondary,farmer,139.68,1,excellent,0,582,1,informal_lender,2107.19,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2018,rural,male,29,25-34,second,secondary,unemployed,208.26,2,good,1,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,64,55+,second,secondary,self_employed,183.31,8,limited,1,676,1,commercial_bank,3648.13,none,housing,1,3095.12,0.148,12,296.07,current,not_applicable,high_burden
Uganda,2025,rural,female,42,35-44,fourth,tertiary,self_employed,970.97,2,none,0,509,1,family_friends,7656.92,property,business,1,6284.58,0.051,12,550.2,late_60_days,not_applicable,high_burden
Nigeria,2022,rural,male,28,25-34,lowest,none,employed_informal,74.87,10,none,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,female,64,55+,second,primary,self_employed,169.31,4,good,1,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,male,26,25-34,fourth,none,employed_informal,479.25,2,excellent,1,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,female,69,55+,second,none,farmer,29.08,3,good,0,780,1,digital_lender,1114.14,guarantor,consumption,1,987.51,0.409,6,231.94,defaulted,not_applicable,high_burden
Zambia,2025,urban,female,18,18-24,highest,none,farmer,1348.25,7,good,0,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,56,55+,fourth,secondary,unemployed,241.38,5,good,1,309,1,commercial_bank,4786.9,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2020,urban,male,40,35-44,second,none,farmer,616.63,9,none,1,198,1,commercial_bank,2809.26,equipment,education,1,2587.05,0.186,18,170.49,defaulted,not_applicable,high_burden
Mozambique,2024,rural,male,66,55+,middle,primary,unemployed,347.72,6,none,1,0,1,commercial_bank,8746.08,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2023,rural,female,66,55+,lowest,primary,farmer,43.15,6,limited,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,urban,male,26,25-34,middle,primary,farmer,191.64,5,limited,1,441,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,male,42,35-44,highest,primary,farmer,621.55,2,none,1,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,28,25-34,middle,secondary,self_employed,52.01,6,none,1,43,1,commercial_bank,3305.01,vehicle,education,1,3241.61,0.224,12,330.63,paid_off,not_applicable,high_burden
Ethiopia,2023,rural,male,27,25-34,middle,primary,employed_formal,106.24,10,good,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,female,40,35-44,fourth,primary,employed_informal,466.95,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,female,24,18-24,fourth,tertiary,self_employed,493.88,7,none,0,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,male,66,55+,lowest,primary,employed_informal,90.47,3,none,0,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,urban,female,65,55+,second,secondary,self_employed,183.79,5,none,0,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,male,61,55+,second,tertiary,self_employed,123.81,9,none,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,male,69,55+,middle,tertiary,self_employed,114.28,5,none,1,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,male,54,45-54,highest,secondary,self_employed,715.83,2,good,0,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,male,47,45-54,middle,secondary,farmer,430.98,6,limited,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,female,27,25-34,fourth,tertiary,farmer,148.55,8,none,0,439,1,family_friends,9487.51,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2025,rural,female,50,45-54,fourth,tertiary,self_employed,110.43,7,excellent,1,474,1,commercial_bank,4520.83,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2023,urban,male,34,25-34,second,none,employed_formal,156.79,4,limited,1,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,female,58,55+,second,none,self_employed,52.42,4,limited,0,188,1,microfinance,8299.19,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2024,urban,male,62,55+,second,secondary,employed_formal,77.45,10,good,1,542,1,commercial_bank,2477.44,equipment,housing,1,2119.84,0.166,12,205.98,current,not_applicable,high_burden
Mali,2020,rural,male,19,18-24,highest,primary,employed_informal,1132.37,9,limited,1,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,male,52,45-54,lowest,tertiary,employed_informal,37.24,10,good,1,731,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,male,48,45-54,highest,secondary,unemployed,806.68,6,none,1,671,1,commercial_bank,11635.67,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2023,rural,female,40,35-44,middle,primary,unemployed,307.25,3,none,0,550,1,microfinance,7235.68,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2020,urban,female,21,18-24,second,primary,employed_informal,114.48,4,limited,1,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,66,55+,lowest,primary,farmer,57.94,7,limited,1,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,male,30,25-34,middle,secondary,employed_informal,425.25,4,limited,0,238,1,digital_lender,6593.69,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Malawi,2023,rural,female,25,18-24,lowest,tertiary,employed_formal,27.47,10,good,1,333,1,digital_lender,1811.73,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2020,rural,male,43,35-44,highest,primary,employed_informal,763.77,8,limited,1,726,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,female,44,35-44,middle,secondary,self_employed,357.24,6,none,0,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,male,63,55+,middle,none,self_employed,252.88,8,limited,0,57,1,informal_lender,6212.65,guarantor,housing,1,5251.45,0.808,6,1582.52,paid_off,not_applicable,high_burden
Tanzania,2022,rural,male,69,55+,second,secondary,farmer,76.4,5,none,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,urban,male,51,45-54,second,secondary,farmer,235.58,1,limited,0,698,1,family_friends,7070.03,savings,emergency,1,6091.23,0.006,36,170.16,paid_off,not_applicable,high_burden
Uganda,2022,urban,female,19,18-24,second,primary,employed_informal,321.72,8,good,0,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,female,54,45-54,middle,primary,employed_formal,172.98,7,none,1,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,female,34,25-34,fourth,secondary,self_employed,365.65,1,limited,0,38,1,microfinance,7284.43,guarantor,education,1,6551.8,0.283,18,466.89,current,not_applicable,high_burden
Tanzania,2019,rural,male,38,35-44,middle,tertiary,self_employed,134.26,5,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,male,23,18-24,middle,secondary,self_employed,160.64,3,limited,1,216,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,female,19,18-24,second,secondary,employed_informal,86.86,2,none,1,243,1,digital_lender,1922.05,savings,business,1,1920.96,0.441,18,153.77,current,not_applicable,high_burden
Ghana,2025,urban,female,22,18-24,second,secondary,employed_informal,381.81,8,none,1,301,1,commercial_bank,5126.09,vehicle,agriculture,1,4577.5,0.169,18,297.4,late_30_days,not_applicable,high_burden
Nigeria,2020,rural,female,38,35-44,highest,tertiary,farmer,822.19,4,none,1,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,male,47,45-54,fourth,primary,self_employed,2031.54,4,none,1,410,1,commercial_bank,8847.89,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2020,rural,male,51,45-54,lowest,tertiary,unemployed,27.13,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,male,30,25-34,middle,primary,farmer,155.12,1,none,0,281,1,family_friends,2691.84,guarantor,agriculture,1,2487.02,0.065,18,147.14,current,not_applicable,high_burden
Mali,2024,urban,female,38,35-44,highest,secondary,employed_informal,1859.54,7,good,0,370,1,microfinance,18770.05,property,agriculture,1,16354.41,0.305,24,889.58,paid_off,not_applicable,high_burden
Zambia,2025,rural,female,50,45-54,fourth,secondary,self_employed,164.95,3,none,0,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,female,42,35-44,lowest,tertiary,self_employed,60.57,3,none,1,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,female,22,18-24,lowest,secondary,unemployed,38.53,1,none,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,57,55+,second,secondary,employed_informal,79.18,2,excellent,1,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,female,65,55+,middle,none,unemployed,297.44,5,limited,0,21,1,microfinance,4806.41,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2018,urban,female,24,18-24,second,primary,farmer,169.17,6,good,0,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,male,31,25-34,second,primary,self_employed,68.92,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,female,64,55+,fourth,primary,unemployed,267.79,5,limited,0,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,37,35-44,fourth,primary,employed_informal,327.97,5,none,1,126,1,commercial_bank,4955.94,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2023,urban,male,32,25-34,lowest,primary,employed_informal,33.15,1,none,1,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,female,25,18-24,lowest,primary,self_employed,109.65,5,none,0,378,1,sacco,5348.29,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2025,urban,male,66,55+,middle,secondary,unemployed,163.84,6,none,0,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,female,40,35-44,lowest,secondary,farmer,49.06,5,good,1,434,1,microfinance,1588.86,equipment,housing,1,1346.48,0.354,6,303.91,current,not_applicable,high_burden
Malawi,2025,urban,female,47,45-54,highest,none,self_employed,1314.95,10,good,0,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,female,19,18-24,fourth,secondary,employed_informal,322.75,3,limited,1,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,female,35,25-34,lowest,tertiary,unemployed,51.46,5,none,0,729,1,employer,2704.0,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2022,rural,male,25,18-24,middle,primary,employed_formal,40.92,10,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,male,54,45-54,lowest,secondary,employed_informal,42.89,7,excellent,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,66,55+,fourth,none,farmer,401.79,8,none,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,female,58,55+,fourth,primary,self_employed,714.12,10,none,0,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,female,32,25-34,highest,secondary,employed_informal,483.58,1,none,1,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,26,25-34,middle,none,self_employed,144.97,7,none,0,356,1,informal_lender,8614.91,equipment,housing,1,7751.44,0.779,24,574.49,current,not_applicable,high_burden
Zambia,2019,urban,male,37,35-44,lowest,none,farmer,385.68,4,none,0,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,female,49,45-54,fourth,secondary,self_employed,867.35,2,good,0,822,1,microfinance,7959.61,guarantor,agriculture,1,7613.42,0.303,18,551.12,current,not_applicable,high_burden
Niger,2022,rural,male,19,18-24,highest,tertiary,self_employed,218.97,3,none,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,male,54,45-54,second,secondary,self_employed,73.25,6,limited,1,650,1,commercial_bank,2950.94,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2018,urban,male,43,35-44,lowest,secondary,employed_formal,18.69,10,none,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,male,19,18-24,second,secondary,self_employed,74.96,8,none,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,female,50,45-54,second,none,self_employed,144.77,6,none,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,female,58,55+,lowest,tertiary,farmer,81.86,8,good,0,850,1,microfinance,1136.85,none,business,1,1117.78,0.304,6,243.01,late_60_days,not_applicable,high_burden
Senegal,2020,urban,female,64,55+,middle,secondary,employed_informal,576.93,1,none,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,male,24,18-24,highest,secondary,employed_informal,271.71,9,none,0,383,1,microfinance,9680.02,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2020,urban,male,49,45-54,lowest,primary,self_employed,204.0,3,none,1,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,female,63,55+,fourth,secondary,employed_informal,772.46,8,none,0,627,1,family_friends,10289.75,property,agriculture,1,8839.53,0.077,12,793.53,late_30_days,not_applicable,high_burden
South Africa,2018,urban,male,38,35-44,lowest,secondary,farmer,43.52,1,none,0,714,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,female,33,25-34,highest,none,farmer,1066.79,4,none,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,46,45-54,fourth,primary,employed_formal,451.39,5,none,1,95,1,microfinance,4110.71,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2020,urban,female,19,18-24,second,primary,farmer,130.31,4,none,0,122,1,employer,2186.18,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2023,rural,female,31,25-34,second,primary,unemployed,240.3,3,good,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,male,20,18-24,lowest,primary,employed_informal,40.71,6,none,1,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,female,55,45-54,fourth,secondary,self_employed,333.25,1,none,0,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,male,44,35-44,middle,tertiary,unemployed,321.22,1,none,1,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,male,41,35-44,second,secondary,farmer,252.09,6,good,0,654,1,commercial_bank,2779.47,none,consumption,1,2470.29,0.137,12,234.12,current,not_applicable,high_burden
Niger,2024,urban,female,55,45-54,second,secondary,unemployed,271.38,6,none,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,male,49,45-54,fourth,primary,employed_informal,263.39,4,good,1,524,1,commercial_bank,6993.42,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2023,urban,female,40,35-44,second,none,farmer,217.75,8,good,0,850,1,informal_lender,2668.3,property,asset_purchase,1,2230.25,0.839,18,227.86,late_30_days,not_applicable,high_burden
Ethiopia,2019,rural,male,42,35-44,fourth,secondary,self_employed,460.94,2,none,0,217,1,family_friends,12474.07,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2021,urban,female,28,25-34,middle,primary,unemployed,482.23,1,none,0,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,male,60,55+,lowest,primary,farmer,103.77,2,limited,0,403,1,digital_lender,2952.63,none,education,1,2787.41,0.444,12,335.48,current,not_applicable,high_burden
Niger,2018,rural,female,55,45-54,highest,none,farmer,448.85,8,none,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,female,32,25-34,middle,tertiary,self_employed,75.5,10,none,0,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,female,58,55+,fourth,none,farmer,422.32,8,none,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,urban,female,22,18-24,fourth,primary,farmer,1339.54,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,female,35,25-34,second,none,self_employed,259.66,2,limited,0,94,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,male,60,55+,second,primary,employed_formal,95.24,10,limited,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,female,39,35-44,fourth,tertiary,farmer,933.27,1,limited,1,222,1,digital_lender,3880.51,none,business,1,3838.18,0.469,6,939.49,current,not_applicable,high_burden
Nigeria,2019,rural,male,55,45-54,lowest,secondary,self_employed,31.18,10,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,female,51,45-54,lowest,tertiary,farmer,88.77,6,limited,0,126,1,microfinance,1734.06,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2019,rural,female,34,25-34,middle,tertiary,farmer,278.85,1,none,0,0,1,informal_lender,3210.31,none,emergency,1,2884.88,0.792,24,215.45,late_30_days,not_applicable,high_burden
DRC,2021,rural,female,59,55+,middle,secondary,employed_informal,818.95,5,good,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,female,48,45-54,second,secondary,self_employed,281.44,3,limited,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,rural,male,28,25-34,fourth,none,self_employed,102.38,10,limited,1,34,1,commercial_bank,1448.3,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Malawi,2020,rural,female,62,55+,highest,primary,employed_informal,562.04,4,none,1,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,urban,female,61,55+,highest,secondary,farmer,3276.98,7,limited,1,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,rural,female,57,55+,second,secondary,employed_informal,160.87,4,excellent,1,331,1,commercial_bank,2432.61,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Niger,2025,urban,female,50,45-54,highest,secondary,unemployed,1138.72,1,good,1,585,1,sacco,1431.97,vehicle,business,1,1380.5,0.368,24,78.69,current,not_applicable,high_burden
Mali,2022,urban,female,40,35-44,second,secondary,employed_informal,55.53,6,limited,0,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,male,25,18-24,lowest,secondary,employed_formal,211.4,4,none,1,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,female,28,25-34,lowest,secondary,employed_informal,161.53,6,excellent,1,187,1,employer,1906.49,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2020,rural,female,44,35-44,fourth,tertiary,unemployed,218.0,1,none,1,146,1,microfinance,2923.58,savings,emergency,1,2735.43,0.325,18,201.33,current,not_applicable,high_burden
Tanzania,2018,urban,female,56,55+,second,none,employed_formal,357.21,10,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,male,21,18-24,lowest,primary,farmer,260.09,2,limited,1,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,male,37,35-44,second,none,farmer,39.85,3,limited,0,22,1,sacco,4343.18,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2022,urban,female,41,35-44,fourth,primary,farmer,1666.0,10,good,1,260,1,commercial_bank,12434.24,none,housing,1,11802.03,0.213,6,2385.62,paid_off,not_applicable,high_burden
Senegal,2022,urban,male,25,18-24,lowest,primary,employed_informal,102.6,4,none,1,0,1,commercial_bank,4203.52,guarantor,agriculture,1,3918.76,0.136,18,247.37,late_60_days,not_applicable,high_burden
Mali,2023,rural,male,46,45-54,second,secondary,unemployed,333.89,5,limited,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,urban,male,67,55+,lowest,primary,employed_formal,81.47,10,excellent,0,654,1,family_friends,1242.63,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2020,rural,male,66,55+,lowest,tertiary,employed_formal,39.4,8,none,0,305,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,male,60,55+,highest,secondary,farmer,517.25,2,none,1,809,1,microfinance,16126.73,property,consumption,1,13408.01,0.32,18,983.19,current,not_applicable,high_burden
Mali,2021,rural,male,52,45-54,fourth,secondary,self_employed,233.08,4,limited,0,750,1,microfinance,6798.14,property,emergency,1,6759.03,0.279,12,720.15,current,not_applicable,high_burden
Mali,2022,urban,female,42,35-44,middle,none,employed_informal,578.35,1,none,0,433,1,informal_lender,9968.16,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2025,rural,male,33,25-34,middle,primary,self_employed,249.8,1,none,0,383,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,male,32,25-34,highest,tertiary,unemployed,235.23,4,excellent,0,817,1,sacco,2193.61,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2018,rural,male,47,45-54,second,tertiary,self_employed,168.84,10,limited,1,413,1,sacco,5707.83,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2022,urban,female,62,55+,middle,primary,employed_informal,1157.3,3,none,1,181,1,commercial_bank,13294.07,guarantor,debt_consolidation,1,11844.69,0.183,6,2335.71,late_30_days,not_applicable,high_burden
Kenya,2022,urban,female,67,55+,second,none,employed_formal,355.83,5,none,0,366,1,family_friends,3951.43,vehicle,agriculture,1,3436.02,0.05,12,300.64,current,not_applicable,high_burden
Ethiopia,2022,rural,male,69,55+,second,secondary,self_employed,530.37,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,male,66,55+,lowest,secondary,self_employed,42.53,10,limited,1,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,female,61,55+,second,tertiary,self_employed,277.05,4,good,0,291,1,microfinance,4617.24,none,consumption,1,4037.19,0.367,24,230.02,paid_off,not_applicable,high_burden
Nigeria,2025,urban,female,62,55+,second,tertiary,employed_informal,110.46,2,good,0,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,22,18-24,lowest,primary,employed_formal,112.19,10,limited,1,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,female,19,18-24,second,secondary,farmer,238.32,4,excellent,1,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,female,52,45-54,fourth,secondary,farmer,327.94,8,good,0,489,1,informal_lender,3590.28,savings,emergency,1,3567.44,0.783,18,353.38,late_30_days,not_applicable,high_burden
Niger,2025,rural,male,28,25-34,lowest,none,self_employed,38.39,9,good,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,urban,female,69,55+,second,secondary,employed_informal,59.34,3,good,0,393,1,commercial_bank,5901.64,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2025,urban,male,60,55+,second,none,employed_formal,394.62,10,limited,0,395,1,family_friends,3732.35,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2025,urban,male,42,35-44,lowest,secondary,self_employed,98.15,8,none,1,6,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,male,40,35-44,lowest,none,farmer,107.89,2,good,0,744,1,sacco,3663.45,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Kenya,2023,urban,female,32,25-34,highest,primary,self_employed,231.99,8,limited,0,779,1,family_friends,3451.37,none,consumption,1,3395.06,0.091,24,154.32,paid_off,not_applicable,high_burden
Senegal,2025,rural,female,27,25-34,middle,secondary,self_employed,285.63,2,limited,1,832,1,microfinance,6035.57,savings,emergency,1,5986.95,0.316,24,328.27,current,not_applicable,high_burden
Niger,2023,urban,male,19,18-24,lowest,primary,farmer,272.79,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,female,27,25-34,fourth,tertiary,self_employed,485.45,6,good,0,487,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,urban,male,31,25-34,fourth,primary,self_employed,549.9,3,none,1,89,1,microfinance,3311.88,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2023,urban,female,52,45-54,highest,none,farmer,1574.01,9,none,0,659,1,digital_lender,10617.41,guarantor,emergency,1,9964.21,0.402,18,776.25,current,not_applicable,high_burden
Nigeria,2019,rural,female,20,18-24,second,primary,employed_informal,140.85,9,limited,0,69,1,informal_lender,2087.2,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2018,urban,female,25,18-24,fourth,secondary,farmer,213.83,10,good,0,756,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,male,40,35-44,middle,primary,farmer,213.37,9,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,female,37,35-44,middle,secondary,employed_formal,453.64,10,limited,1,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,urban,female,42,35-44,second,tertiary,unemployed,140.58,1,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,rural,female,48,45-54,lowest,tertiary,farmer,33.7,6,good,1,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,male,28,25-34,highest,primary,self_employed,419.64,3,good,1,233,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,female,57,55+,fourth,none,employed_formal,1181.45,10,none,0,59,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,female,29,25-34,fourth,secondary,self_employed,915.53,4,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,male,20,18-24,middle,secondary,farmer,129.08,3,limited,0,523,1,informal_lender,3132.19,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2020,urban,male,60,55+,middle,primary,employed_informal,209.37,9,good,1,762,1,family_friends,4076.25,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mozambique,2021,rural,female,61,55+,highest,none,farmer,961.93,4,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,female,39,35-44,fourth,tertiary,farmer,291.55,7,none,1,450,1,informal_lender,6158.99,none,education,1,5122.88,0.833,18,521.71,paid_off,not_applicable,high_burden
Ethiopia,2019,rural,female,38,35-44,highest,secondary,employed_formal,598.0,10,none,0,794,1,digital_lender,11275.35,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2021,rural,male,38,35-44,second,primary,employed_informal,78.4,6,limited,0,110,1,family_friends,3405.57,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2024,rural,male,55,45-54,lowest,secondary,farmer,122.13,2,limited,0,829,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,female,33,25-34,fourth,none,self_employed,343.38,6,none,0,91,1,informal_lender,4845.67,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2022,rural,female,46,45-54,fourth,secondary,employed_informal,536.52,4,excellent,0,847,1,sacco,18632.46,property,emergency,1,15248.84,0.27,24,807.0,current,not_applicable,high_burden
Ghana,2023,rural,male,38,35-44,second,primary,self_employed,170.93,6,limited,0,103,1,family_friends,2535.43,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2019,rural,male,48,45-54,middle,secondary,farmer,243.55,7,none,1,193,1,digital_lender,3073.59,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2019,rural,female,59,55+,lowest,secondary,self_employed,41.88,2,good,0,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,female,25,18-24,middle,none,employed_formal,1192.51,8,limited,0,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,male,59,55+,highest,secondary,farmer,680.56,9,limited,1,850,1,commercial_bank,2081.11,property,business,1,1782.87,0.223,12,181.74,current,not_applicable,high_burden
Nigeria,2021,urban,male,57,55+,lowest,secondary,farmer,94.44,10,none,0,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,66,55+,highest,tertiary,self_employed,1912.11,6,excellent,1,548,1,commercial_bank,5741.21,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2025,rural,male,47,45-54,second,primary,self_employed,401.15,5,limited,0,413,1,family_friends,5606.85,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2021,urban,male,19,18-24,lowest,none,employed_informal,107.34,3,none,0,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,urban,male,59,55+,highest,tertiary,employed_informal,1935.3,1,excellent,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,female,31,25-34,lowest,none,employed_informal,52.85,10,none,0,9,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,male,64,55+,lowest,primary,employed_formal,75.64,7,good,0,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,male,67,55+,middle,secondary,employed_formal,88.32,8,limited,0,390,1,digital_lender,2972.45,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2024,urban,male,39,35-44,middle,secondary,self_employed,365.26,10,good,0,713,1,commercial_bank,12854.15,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2024,rural,male,62,55+,second,secondary,farmer,160.99,5,none,1,309,1,commercial_bank,1541.26,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2022,urban,male,49,45-54,highest,secondary,employed_informal,696.33,7,none,0,199,1,sacco,5870.08,guarantor,debt_consolidation,1,5788.4,0.362,12,656.75,paid_off,not_applicable,high_burden
Zambia,2021,urban,male,62,55+,fourth,secondary,unemployed,435.94,6,excellent,1,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,male,18,18-24,middle,primary,employed_informal,160.75,3,limited,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,urban,male,66,55+,second,secondary,employed_formal,27.18,8,none,0,736,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,female,42,35-44,second,none,unemployed,232.07,1,limited,0,843,1,digital_lender,4393.69,savings,housing,1,4231.02,0.441,24,254.06,paid_off,not_applicable,high_burden
Malawi,2021,rural,male,33,25-34,middle,secondary,employed_informal,799.01,6,none,0,636,1,informal_lender,7548.46,guarantor,business,1,6084.04,0.813,24,459.51,current,not_applicable,high_burden
Ethiopia,2023,urban,female,55,45-54,highest,tertiary,self_employed,706.99,1,none,0,713,1,microfinance,3464.59,vehicle,business,1,3266.15,0.368,12,372.31,current,not_applicable,high_burden
Rwanda,2022,urban,female,43,35-44,middle,secondary,employed_informal,337.89,4,none,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,52,45-54,middle,none,unemployed,378.59,5,none,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,male,45,35-44,middle,secondary,self_employed,138.55,2,limited,1,827,1,commercial_bank,2062.23,none,emergency,1,2016.87,0.149,48,48.29,current,not_applicable,high_burden
Uganda,2019,rural,male,33,25-34,second,tertiary,employed_formal,212.71,10,none,0,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,female,43,35-44,middle,tertiary,employed_informal,817.95,8,none,1,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,33,25-34,fourth,tertiary,employed_informal,273.46,6,limited,1,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,female,49,45-54,fourth,none,farmer,461.02,3,none,0,528,1,sacco,11580.3,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2019,rural,male,37,35-44,lowest,none,unemployed,119.59,2,none,1,545,1,family_friends,7621.18,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2019,urban,female,32,25-34,fourth,primary,employed_formal,718.44,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,female,43,35-44,second,secondary,employed_informal,86.46,8,none,0,483,1,family_friends,1731.3,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2018,rural,female,67,55+,highest,secondary,employed_informal,345.5,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,female,60,55+,lowest,primary,farmer,91.5,4,excellent,1,234,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,female,66,55+,middle,tertiary,farmer,519.81,4,limited,1,767,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,male,27,25-34,highest,tertiary,unemployed,709.86,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,male,40,35-44,second,primary,farmer,125.48,8,limited,1,702,1,commercial_bank,12444.25,vehicle,business,1,10233.03,0.136,18,645.86,late_60_days,not_applicable,high_burden
Malawi,2022,rural,male,29,25-34,second,secondary,unemployed,141.9,4,none,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,male,37,35-44,fourth,primary,unemployed,850.39,5,none,1,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,male,69,55+,lowest,secondary,employed_formal,103.67,4,none,0,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,female,54,45-54,middle,none,farmer,243.42,8,none,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,female,20,18-24,middle,secondary,employed_informal,574.97,2,none,1,642,1,microfinance,16978.98,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2022,rural,female,20,18-24,fourth,none,employed_formal,502.01,8,none,0,60,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,male,32,25-34,middle,none,farmer,80.19,6,limited,0,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,69,55+,second,secondary,unemployed,347.51,4,none,0,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,39,35-44,fourth,primary,employed_informal,436.49,8,none,0,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,male,64,55+,highest,tertiary,employed_formal,1810.94,7,none,1,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,female,52,45-54,highest,none,self_employed,600.35,7,limited,0,621,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,female,69,55+,second,secondary,self_employed,86.71,6,none,0,599,1,family_friends,3961.89,guarantor,housing,1,3393.87,0.014,18,191.11,current,not_applicable,high_burden
Uganda,2025,rural,female,53,45-54,lowest,primary,self_employed,58.15,6,limited,1,613,1,family_friends,3003.52,none,consumption,1,2923.92,0.002,6,488.4,late_30_days,not_applicable,high_burden
Senegal,2024,urban,male,18,18-24,highest,secondary,farmer,2164.84,2,none,1,196,1,commercial_bank,4629.13,guarantor,business,1,4243.67,0.179,24,208.38,current,not_applicable,high_burden
Malawi,2018,rural,male,32,25-34,second,secondary,employed_informal,154.04,9,excellent,0,435,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,female,69,55+,second,secondary,farmer,109.34,10,good,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,male,41,35-44,middle,tertiary,farmer,292.85,10,limited,0,829,1,sacco,2306.52,equipment,business,1,1923.18,0.27,18,135.74,current,not_applicable,high_burden
Mali,2024,rural,female,27,25-34,fourth,tertiary,self_employed,722.09,7,good,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,urban,male,66,55+,fourth,none,employed_formal,439.8,9,none,0,670,1,commercial_bank,15420.52,equipment,business,1,15402.83,0.173,18,1003.63,paid_off,not_applicable,high_burden
Niger,2023,rural,male,65,55+,second,primary,employed_informal,72.94,4,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,urban,female,27,25-34,middle,primary,employed_formal,118.98,9,limited,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,female,49,45-54,fourth,primary,employed_informal,198.63,3,good,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,rural,male,33,25-34,highest,secondary,self_employed,1465.31,4,none,1,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,male,39,35-44,second,secondary,farmer,123.67,6,good,1,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,male,33,25-34,second,primary,farmer,30.13,6,none,0,433,1,family_friends,1379.79,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2019,urban,male,44,35-44,second,primary,self_employed,187.55,7,none,0,116,1,microfinance,2087.5,none,emergency,1,1740.23,0.345,18,129.99,current,not_applicable,high_burden
Ethiopia,2025,urban,female,68,55+,lowest,secondary,employed_formal,121.99,5,none,0,501,1,sacco,4462.02,savings,agriculture,1,3641.23,0.338,12,405.87,current,not_applicable,high_burden
Uganda,2020,urban,male,20,18-24,fourth,primary,employed_formal,70.6,5,none,1,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,male,47,45-54,second,primary,self_employed,238.38,9,good,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,female,54,45-54,second,tertiary,employed_formal,132.07,7,good,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,urban,male,59,55+,fourth,tertiary,unemployed,489.47,3,excellent,1,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,male,61,55+,middle,tertiary,employed_formal,394.89,6,none,1,49,1,sacco,13393.72,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2023,rural,male,69,55+,lowest,primary,self_employed,121.8,3,good,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,male,59,55+,lowest,secondary,self_employed,70.83,5,limited,0,505,1,digital_lender,1870.77,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2021,rural,female,20,18-24,fourth,secondary,self_employed,385.12,7,none,1,636,1,digital_lender,6478.88,guarantor,agriculture,1,6046.2,0.49,12,750.65,late_60_days,not_applicable,high_burden
Senegal,2021,rural,female,40,35-44,fourth,primary,farmer,150.24,3,none,0,197,1,microfinance,9615.65,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2019,rural,male,59,55+,fourth,secondary,unemployed,426.04,4,limited,1,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,male,39,35-44,middle,none,farmer,415.02,7,limited,1,84,1,sacco,4763.56,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2019,urban,female,19,18-24,fourth,primary,self_employed,226.03,5,none,1,741,1,commercial_bank,4126.01,none,business,1,3741.31,0.144,12,356.76,late_30_days,not_applicable,high_burden
Zambia,2025,rural,male,68,55+,fourth,primary,employed_informal,305.0,4,limited,0,755,1,family_friends,12552.62,savings,emergency,1,10442.06,0.09,12,948.25,current,not_applicable,high_burden
Ghana,2022,rural,female,45,35-44,second,primary,employed_informal,79.87,2,none,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,59,55+,highest,primary,self_employed,2369.07,3,none,1,699,1,family_friends,7032.91,equipment,asset_purchase,1,5863.53,0.069,36,174.17,late_30_days,not_applicable,high_burden
Malawi,2022,urban,female,66,55+,fourth,primary,self_employed,1437.4,2,none,1,9,1,digital_lender,5099.73,guarantor,emergency,1,5056.08,0.45,12,611.14,paid_off,not_applicable,high_burden
Mozambique,2019,urban,male,56,55+,middle,tertiary,self_employed,248.22,6,excellent,0,642,1,informal_lender,9270.38,property,consumption,1,8640.46,0.761,36,422.58,current,not_applicable,high_burden
Ethiopia,2024,rural,female,54,45-54,fourth,primary,self_employed,566.6,2,limited,0,103,1,family_friends,3648.77,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2020,rural,male,30,25-34,lowest,tertiary,employed_informal,66.36,5,good,1,469,1,digital_lender,1177.96,savings,housing,1,1074.43,0.469,6,263.11,current,not_applicable,high_burden
Kenya,2022,urban,female,55,45-54,middle,tertiary,unemployed,246.46,1,none,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,female,50,45-54,lowest,tertiary,employed_formal,35.37,7,none,0,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,female,23,18-24,highest,none,employed_formal,625.05,10,limited,0,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,male,48,45-54,fourth,primary,employed_informal,1217.94,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,female,57,55+,second,primary,farmer,272.12,8,none,1,305,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,female,46,45-54,fourth,tertiary,self_employed,285.5,1,none,0,81,1,family_friends,9791.64,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2025,urban,male,43,35-44,second,tertiary,employed_formal,95.03,7,excellent,0,360,1,informal_lender,1870.67,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Niger,2025,rural,male,66,55+,fourth,primary,self_employed,456.01,1,none,1,478,1,commercial_bank,6656.25,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2024,urban,male,63,55+,second,tertiary,employed_informal,44.17,8,none,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,male,36,35-44,highest,tertiary,self_employed,246.95,6,limited,0,594,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,male,56,55+,highest,primary,employed_informal,950.34,6,none,1,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,female,37,35-44,second,secondary,self_employed,161.23,8,good,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,female,37,35-44,highest,secondary,self_employed,777.59,1,none,1,829,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,female,37,35-44,highest,secondary,unemployed,406.0,2,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,female,46,45-54,highest,tertiary,farmer,1959.43,2,none,1,76,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,rural,male,65,55+,second,primary,self_employed,148.54,7,excellent,0,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,male,65,55+,second,secondary,employed_formal,85.57,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,female,62,55+,highest,primary,self_employed,1477.87,5,none,1,633,1,family_friends,5707.29,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2025,urban,male,41,35-44,lowest,primary,farmer,291.41,9,good,0,446,1,employer,3671.5,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Niger,2018,urban,male,64,55+,highest,primary,farmer,2280.42,5,limited,0,377,1,family_friends,7050.89,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2025,rural,male,60,55+,lowest,primary,self_employed,40.32,6,limited,0,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,male,68,55+,fourth,primary,employed_formal,438.6,10,none,0,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,59,55+,fourth,primary,employed_informal,293.32,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,female,59,55+,fourth,primary,self_employed,639.83,4,none,0,541,1,family_friends,9082.16,guarantor,emergency,1,8258.72,0.047,36,240.27,late_30_days,not_applicable,high_burden
Ghana,2023,rural,male,66,55+,second,primary,self_employed,241.6,10,none,0,0,1,microfinance,4037.79,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2020,rural,male,45,35-44,lowest,secondary,unemployed,153.97,1,none,1,240,1,microfinance,3069.65,none,business,1,2732.36,0.355,12,308.5,current,not_applicable,high_burden
Mozambique,2024,urban,female,39,35-44,fourth,tertiary,employed_informal,318.23,7,none,1,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,female,44,35-44,lowest,none,employed_formal,132.32,6,none,0,397,1,digital_lender,3447.9,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2018,rural,female,65,55+,middle,secondary,employed_informal,384.31,5,none,0,365,1,informal_lender,7152.22,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mali,2021,rural,male,41,35-44,middle,primary,unemployed,239.76,4,none,0,301,1,microfinance,4719.16,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2024,urban,female,22,18-24,lowest,secondary,employed_informal,99.21,7,none,1,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,female,53,45-54,middle,tertiary,self_employed,679.88,9,limited,0,304,1,sacco,7949.5,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2023,urban,female,49,45-54,lowest,none,farmer,37.63,2,limited,1,280,1,commercial_bank,1801.07,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2023,urban,male,28,25-34,middle,none,self_employed,298.64,3,limited,0,167,1,family_friends,4142.77,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Nigeria,2025,rural,female,29,25-34,highest,tertiary,employed_formal,330.7,10,none,0,849,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,female,49,45-54,highest,primary,employed_formal,446.27,10,none,1,200,1,microfinance,3127.81,savings,consumption,1,2730.6,0.354,36,102.66,current,not_applicable,high_burden
Zambia,2023,urban,male,54,45-54,second,primary,farmer,93.96,5,good,1,148,1,sacco,7111.33,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
DRC,2021,rural,female,67,55+,middle,none,farmer,144.71,6,good,0,708,1,family_friends,3467.09,vehicle,agriculture,1,3447.99,0.082,18,207.19,current,not_applicable,high_burden
Nigeria,2019,urban,male,69,55+,middle,secondary,unemployed,982.7,6,none,1,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,50,45-54,lowest,secondary,self_employed,68.27,9,none,1,263,1,sacco,1692.02,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2021,urban,male,67,55+,middle,primary,farmer,347.29,7,none,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,female,65,55+,second,primary,farmer,203.93,7,good,1,387,1,digital_lender,10356.36,property,asset_purchase,1,9316.41,0.484,24,576.05,late_30_days,not_applicable,high_burden
Kenya,2018,urban,female,33,25-34,middle,tertiary,self_employed,559.65,7,none,0,723,1,informal_lender,7152.3,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2023,rural,female,43,35-44,fourth,secondary,self_employed,211.59,2,limited,1,430,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,male,39,35-44,fourth,primary,employed_formal,690.52,8,limited,0,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,22,18-24,fourth,secondary,employed_informal,165.31,4,good,1,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,37,35-44,fourth,primary,farmer,416.71,9,none,0,173,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,male,39,35-44,highest,secondary,employed_informal,398.12,4,limited,0,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,rural,male,66,55+,lowest,none,farmer,87.77,2,none,0,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,male,27,25-34,second,none,unemployed,110.98,1,excellent,1,714,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,male,50,45-54,middle,secondary,self_employed,374.38,7,none,1,195,1,commercial_bank,10696.63,guarantor,education,1,9874.9,0.213,12,998.32,current,not_applicable,high_burden
Mozambique,2024,rural,female,42,35-44,fourth,primary,farmer,169.48,5,limited,0,179,1,digital_lender,6168.41,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2020,urban,male,35,25-34,highest,tertiary,unemployed,1456.71,1,good,0,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,male,57,55+,middle,secondary,employed_informal,291.4,5,none,1,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,38,35-44,second,secondary,employed_formal,44.37,5,none,1,385,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,female,56,55+,fourth,secondary,self_employed,210.94,5,limited,0,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,male,58,55+,middle,tertiary,employed_informal,275.58,10,none,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,female,63,55+,fourth,none,employed_informal,284.11,8,limited,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,23,18-24,lowest,none,unemployed,28.68,1,none,1,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,male,67,55+,middle,secondary,employed_informal,245.29,9,limited,0,61,1,digital_lender,1629.4,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2020,rural,female,49,45-54,middle,none,employed_formal,518.22,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,37,35-44,fourth,secondary,unemployed,300.86,5,good,0,250,1,family_friends,4962.77,none,emergency,1,3972.99,0.081,12,357.81,defaulted,not_applicable,high_burden
Ghana,2025,urban,female,51,45-54,middle,primary,farmer,123.92,8,excellent,0,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,male,67,55+,highest,primary,employed_informal,1058.36,1,none,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,66,55+,lowest,primary,self_employed,40.33,10,limited,1,157,1,microfinance,1699.06,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2022,rural,female,44,35-44,middle,secondary,employed_informal,193.11,7,good,1,366,1,sacco,3397.63,none,business,1,3181.47,0.315,12,348.67,paid_off,not_applicable,high_burden
Zambia,2023,urban,female,45,35-44,middle,tertiary,employed_informal,300.93,4,none,0,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,male,67,55+,highest,secondary,farmer,883.95,2,limited,1,193,1,commercial_bank,4868.9,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2023,rural,female,24,18-24,second,secondary,self_employed,167.21,2,good,1,850,1,informal_lender,2701.53,guarantor,housing,1,2552.38,0.794,12,381.65,late_30_days,not_applicable,high_burden
Zambia,2018,rural,female,65,55+,lowest,none,unemployed,75.63,5,good,0,263,1,family_friends,3259.97,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2018,urban,male,18,18-24,second,primary,employed_formal,536.74,8,excellent,0,327,1,microfinance,2215.47,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2020,rural,male,69,55+,fourth,secondary,employed_informal,489.53,1,limited,0,626,1,family_friends,14995.26,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2021,urban,female,30,25-34,middle,none,farmer,256.9,8,good,1,737,1,microfinance,4545.96,none,emergency,1,3910.0,0.347,24,219.43,current,not_applicable,high_burden
Ethiopia,2018,rural,male,32,25-34,highest,secondary,employed_informal,1126.11,8,none,0,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,male,47,45-54,fourth,none,self_employed,234.59,1,good,0,455,1,informal_lender,5243.42,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2018,urban,male,54,45-54,lowest,tertiary,employed_informal,80.72,3,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,male,53,45-54,lowest,secondary,farmer,28.72,8,excellent,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,52,45-54,fourth,secondary,farmer,165.9,2,limited,0,198,1,family_friends,3153.13,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2021,rural,female,44,35-44,middle,tertiary,farmer,491.7,8,limited,1,615,1,digital_lender,14638.43,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2024,rural,male,29,25-34,second,primary,employed_formal,281.71,10,none,1,426,1,commercial_bank,3357.49,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mozambique,2021,rural,female,58,55+,second,secondary,farmer,191.49,3,limited,1,848,1,microfinance,2870.49,none,consumption,1,2822.17,0.348,6,634.1,paid_off,not_applicable,high_burden
Zambia,2021,rural,female,27,25-34,lowest,none,unemployed,206.77,1,limited,0,584,1,informal_lender,7201.43,savings,emergency,1,5919.08,0.775,12,875.71,current,not_applicable,high_burden
Malawi,2022,urban,male,19,18-24,second,primary,self_employed,455.94,4,none,0,447,1,digital_lender,15185.39,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2019,rural,female,21,18-24,lowest,secondary,employed_informal,111.2,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,female,68,55+,middle,primary,farmer,111.66,2,none,0,234,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,female,50,45-54,second,tertiary,employed_informal,102.96,10,limited,1,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,25,18-24,second,secondary,farmer,249.44,8,good,1,839,1,sacco,1645.18,none,business,1,1472.73,0.322,6,324.49,defaulted,not_applicable,high_burden
Nigeria,2022,urban,male,32,25-34,middle,none,self_employed,352.51,1,none,0,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,57,55+,middle,primary,farmer,64.92,8,limited,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,female,32,25-34,middle,primary,unemployed,37.63,1,none,0,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,female,36,35-44,fourth,secondary,self_employed,272.97,4,good,1,662,1,microfinance,10730.5,property,business,1,9729.3,0.309,18,707.79,current,not_applicable,high_burden
Senegal,2018,urban,female,30,25-34,lowest,primary,self_employed,69.27,8,none,1,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,urban,male,29,25-34,fourth,none,farmer,145.29,4,limited,0,276,1,family_friends,3216.59,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2024,urban,female,54,45-54,middle,secondary,unemployed,182.92,5,none,1,43,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,urban,male,62,55+,lowest,primary,employed_informal,97.5,6,limited,0,638,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,male,47,45-54,second,none,farmer,145.51,5,none,0,43,1,digital_lender,1361.94,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2019,rural,male,66,55+,fourth,primary,unemployed,477.29,2,none,0,0,1,family_friends,4881.75,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2019,urban,male,56,55+,second,none,self_employed,148.89,9,limited,0,390,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,male,56,55+,second,none,unemployed,68.81,5,none,1,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,male,49,45-54,second,none,farmer,372.14,10,limited,1,208,1,commercial_bank,15949.46,none,business,1,14116.64,0.228,6,2889.77,current,not_applicable,high_burden
Mozambique,2025,urban,male,33,25-34,second,none,employed_informal,116.01,9,good,0,91,1,family_friends,4578.36,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2022,rural,female,40,35-44,second,secondary,farmer,338.87,7,none,0,60,1,family_friends,9876.1,none,consumption,1,8096.72,0.015,12,685.05,paid_off,not_applicable,high_burden
Malawi,2019,urban,male,30,25-34,second,secondary,unemployed,456.55,1,none,1,235,1,sacco,2075.92,guarantor,consumption,1,1980.48,0.329,36,73.14,defaulted,not_applicable,high_burden
Malawi,2019,rural,male,42,35-44,lowest,secondary,employed_informal,62.28,6,good,1,149,1,family_friends,2890.19,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2023,urban,male,21,18-24,lowest,none,employed_formal,191.69,5,none,1,52,1,digital_lender,3875.7,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2019,rural,female,44,35-44,highest,primary,employed_informal,280.6,2,none,1,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,59,55+,middle,primary,farmer,125.11,9,good,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,male,27,25-34,highest,primary,unemployed,383.13,1,none,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,male,50,45-54,lowest,secondary,self_employed,150.52,8,good,0,847,1,sacco,2826.58,equipment,agriculture,1,2607.69,0.339,18,194.05,current,not_applicable,high_burden
DRC,2021,rural,female,40,35-44,middle,none,employed_informal,146.59,10,none,1,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,49,45-54,fourth,secondary,employed_informal,374.18,7,none,1,327,1,employer,2785.65,guarantor,consumption,1,2481.59,0.084,6,448.28,current,not_applicable,high_burden
Kenya,2021,rural,female,53,45-54,fourth,secondary,farmer,492.4,8,none,1,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,female,29,25-34,fourth,primary,farmer,128.54,1,limited,1,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,male,59,55+,highest,secondary,self_employed,758.15,7,none,0,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,female,40,35-44,second,tertiary,employed_informal,329.5,3,limited,0,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,female,54,45-54,lowest,tertiary,employed_informal,199.38,2,good,1,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,male,43,35-44,middle,secondary,farmer,228.83,3,limited,1,595,1,commercial_bank,5825.04,none,business,1,5255.08,0.162,36,169.65,current,not_applicable,high_burden
Zambia,2018,rural,male,20,18-24,fourth,none,farmer,146.99,9,limited,1,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,53,45-54,lowest,secondary,unemployed,46.02,1,good,1,800,1,commercial_bank,4315.22,property,business,1,3578.29,0.138,12,339.41,current,not_applicable,high_burden
Nigeria,2019,rural,female,37,35-44,middle,none,self_employed,494.68,6,none,0,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,female,46,45-54,highest,none,unemployed,721.93,1,limited,1,501,1,digital_lender,4862.24,none,emergency,1,4165.93,0.452,12,504.01,paid_off,not_applicable,high_burden
Niger,2024,rural,male,54,45-54,second,none,unemployed,197.11,6,limited,1,561,1,family_friends,6384.74,none,business,1,5757.48,0.001,6,960.8,current,not_applicable,high_burden
Senegal,2018,rural,female,31,25-34,lowest,secondary,employed_informal,41.68,10,none,0,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,33,25-34,highest,none,employed_informal,864.04,5,none,0,834,1,commercial_bank,13428.08,guarantor,agriculture,1,10945.38,0.2,24,547.07,current,not_applicable,high_burden
Niger,2025,urban,male,31,25-34,second,primary,farmer,132.78,6,good,1,450,1,microfinance,3274.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2023,urban,female,66,55+,second,primary,self_employed,540.57,5,good,0,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,female,43,35-44,second,primary,self_employed,964.44,1,none,1,637,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,male,28,25-34,middle,primary,self_employed,62.46,3,limited,0,533,1,informal_lender,1608.53,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2022,rural,male,49,45-54,lowest,primary,employed_informal,79.21,10,none,0,168,1,informal_lender,1841.78,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2019,rural,male,55,45-54,lowest,tertiary,employed_informal,57.59,4,limited,0,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,29,25-34,highest,primary,farmer,543.45,4,limited,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,male,44,35-44,fourth,tertiary,employed_formal,205.05,10,limited,1,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,female,63,55+,fourth,secondary,employed_informal,1083.87,3,none,1,194,1,commercial_bank,4537.69,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2024,rural,male,31,25-34,lowest,secondary,self_employed,152.97,9,limited,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,female,58,55+,middle,none,farmer,152.89,9,good,0,226,1,informal_lender,1267.41,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
DRC,2021,urban,male,67,55+,lowest,none,farmer,449.82,8,none,0,577,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,female,30,25-34,lowest,secondary,farmer,48.16,3,none,1,559,1,family_friends,2829.64,property,business,1,2475.8,0.042,12,214.88,late_60_days,not_applicable,high_burden
Uganda,2019,rural,male,49,45-54,middle,tertiary,self_employed,339.71,10,limited,0,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,28,25-34,fourth,primary,employed_informal,524.52,1,good,0,753,1,informal_lender,2103.29,guarantor,housing,1,1956.93,0.761,18,191.43,defaulted,not_applicable,high_burden
Nigeria,2023,rural,female,27,25-34,fourth,secondary,unemployed,1081.13,4,limited,0,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,48,45-54,second,secondary,employed_informal,69.37,4,none,0,613,1,informal_lender,2278.13,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ethiopia,2018,urban,male,43,35-44,lowest,secondary,unemployed,21.65,1,good,0,114,1,informal_lender,550.69,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2020,rural,female,52,45-54,lowest,secondary,self_employed,85.08,6,limited,0,399,1,family_friends,2711.46,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2023,rural,male,59,55+,highest,tertiary,self_employed,914.11,5,none,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,male,41,35-44,middle,secondary,farmer,608.84,7,good,1,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,female,64,55+,fourth,primary,employed_informal,196.58,2,none,0,7,1,family_friends,2664.35,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2023,rural,female,69,55+,lowest,secondary,self_employed,200.48,8,good,1,560,1,digital_lender,3148.17,none,business,1,2851.75,0.426,12,338.96,current,not_applicable,high_burden
Mozambique,2019,urban,female,41,35-44,fourth,none,employed_informal,2207.77,4,none,0,230,1,family_friends,15075.02,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2019,urban,male,54,45-54,second,secondary,employed_formal,412.55,10,good,1,243,1,sacco,5794.46,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Uganda,2020,urban,female,40,35-44,lowest,none,employed_formal,187.31,10,limited,1,218,1,digital_lender,13868.76,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2023,rural,female,50,45-54,lowest,none,employed_formal,31.03,8,none,0,0,1,digital_lender,3869.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2022,urban,female,39,35-44,middle,secondary,farmer,383.36,5,limited,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,male,64,55+,middle,secondary,employed_informal,405.35,4,limited,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,male,51,45-54,lowest,secondary,unemployed,60.3,6,good,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,64,55+,fourth,secondary,self_employed,286.91,6,good,0,642,1,microfinance,6131.22,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2020,urban,female,44,35-44,fourth,primary,self_employed,330.69,2,none,1,428,1,digital_lender,12571.81,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2020,rural,male,31,25-34,middle,tertiary,self_employed,166.14,10,limited,1,148,1,informal_lender,5124.34,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2020,urban,female,49,45-54,lowest,primary,employed_formal,66.7,10,limited,1,566,1,family_friends,2115.74,none,agriculture,1,1808.69,0.039,18,104.37,current,not_applicable,high_burden
Kenya,2023,urban,female,31,25-34,lowest,none,employed_informal,85.22,2,none,0,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,rural,male,24,18-24,highest,secondary,employed_formal,175.91,10,good,0,824,1,informal_lender,6228.35,none,business,1,5026.95,0.84,18,513.84,paid_off,not_applicable,high_burden
Mozambique,2020,urban,female,19,18-24,highest,secondary,employed_informal,2805.16,3,none,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,male,46,45-54,second,tertiary,farmer,105.78,7,limited,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,male,67,55+,lowest,tertiary,employed_formal,78.57,10,none,0,426,1,microfinance,4770.48,vehicle,housing,1,3898.62,0.284,18,278.19,current,not_applicable,high_burden
Nigeria,2020,urban,female,41,35-44,second,none,farmer,164.68,10,good,0,114,1,family_friends,5884.46,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Niger,2021,urban,male,57,55+,fourth,secondary,farmer,1080.23,7,none,0,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,male,20,18-24,second,secondary,employed_informal,197.91,10,none,0,76,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,male,61,55+,second,secondary,unemployed,97.7,3,none,1,83,1,digital_lender,1180.47,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2024,rural,female,67,55+,highest,primary,unemployed,1145.61,6,good,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,male,52,45-54,highest,primary,self_employed,554.64,1,good,1,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,rural,female,28,25-34,middle,tertiary,employed_informal,251.2,6,limited,1,778,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,urban,female,51,45-54,middle,none,farmer,179.21,3,none,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,female,50,45-54,middle,primary,employed_informal,65.45,3,limited,1,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,urban,male,32,25-34,highest,none,farmer,946.14,7,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,male,24,18-24,lowest,secondary,employed_informal,104.55,10,none,0,722,1,informal_lender,1767.44,guarantor,consumption,1,1482.4,0.808,24,111.65,current,not_applicable,high_burden
Kenya,2024,urban,female,64,55+,lowest,primary,employed_informal,85.26,8,none,0,239,1,family_friends,4984.94,equipment,housing,1,4288.06,0.0,12,357.36,current,not_applicable,high_burden
DRC,2019,rural,female,61,55+,fourth,primary,self_employed,886.75,7,none,1,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,female,43,35-44,fourth,primary,employed_informal,376.41,7,limited,1,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,male,64,55+,middle,secondary,self_employed,119.73,7,good,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,female,29,25-34,highest,primary,self_employed,2069.43,4,good,1,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,female,63,55+,second,tertiary,farmer,38.25,5,none,0,623,1,family_friends,1038.52,vehicle,business,1,848.84,0.097,6,155.19,late_60_days,not_applicable,high_burden
Uganda,2025,urban,female,57,55+,second,secondary,self_employed,199.42,9,excellent,0,593,1,microfinance,3640.25,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2024,urban,male,35,25-34,highest,primary,self_employed,2350.96,5,limited,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,female,21,18-24,highest,secondary,employed_informal,965.73,1,limited,0,535,1,family_friends,2570.81,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2025,rural,male,39,35-44,middle,secondary,unemployed,573.29,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,urban,female,36,35-44,middle,primary,employed_informal,208.1,3,limited,1,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,female,36,35-44,fourth,primary,self_employed,349.73,10,excellent,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,female,21,18-24,highest,primary,self_employed,2285.05,8,good,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,male,46,45-54,lowest,primary,farmer,89.17,3,none,1,178,1,commercial_bank,5214.56,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2022,urban,male,56,55+,middle,primary,employed_informal,542.93,10,good,1,350,1,digital_lender,5630.85,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2022,rural,male,58,55+,second,secondary,employed_informal,70.64,4,limited,1,336,1,digital_lender,1963.17,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2020,rural,male,56,55+,second,none,employed_informal,75.58,3,limited,1,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,63,55+,highest,none,employed_informal,1054.63,1,limited,0,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,urban,female,25,18-24,fourth,secondary,employed_informal,246.33,2,none,1,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,female,35,25-34,highest,tertiary,farmer,1160.12,2,excellent,0,672,1,digital_lender,16131.63,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2021,rural,male,54,45-54,middle,primary,employed_formal,202.12,10,limited,0,496,1,family_friends,1854.68,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2022,urban,male,63,55+,second,primary,employed_formal,145.95,4,good,1,439,1,family_friends,7405.87,savings,business,1,5928.13,0.004,12,496.23,paid_off,not_applicable,high_burden
Ghana,2022,urban,male,37,35-44,middle,secondary,employed_formal,203.53,4,none,1,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,31,25-34,middle,tertiary,employed_informal,186.8,1,limited,1,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,45,35-44,second,primary,self_employed,36.8,5,limited,0,291,1,digital_lender,3106.85,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2022,rural,female,67,55+,lowest,primary,self_employed,77.19,9,none,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,male,63,55+,middle,secondary,employed_informal,599.6,2,none,0,675,1,sacco,3599.41,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2019,rural,male,64,55+,middle,primary,employed_formal,179.05,7,none,1,9,1,commercial_bank,2891.93,none,agriculture,1,2522.84,0.173,36,82.18,current,not_applicable,high_burden
Ghana,2023,urban,male,53,45-54,fourth,primary,unemployed,142.51,1,none,1,149,1,commercial_bank,4105.99,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2020,rural,male,52,45-54,highest,primary,farmer,288.68,1,none,0,133,1,microfinance,6368.78,equipment,consumption,1,6043.3,0.357,6,1366.49,current,not_applicable,high_burden
Uganda,2022,urban,female,63,55+,lowest,tertiary,self_employed,77.6,4,limited,0,136,1,family_friends,3109.33,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2025,rural,female,52,45-54,middle,secondary,self_employed,671.37,3,limited,0,642,1,sacco,11457.95,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ethiopia,2020,urban,female,22,18-24,fourth,primary,self_employed,819.32,3,none,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,58,55+,middle,secondary,employed_informal,446.29,9,excellent,1,383,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,48,45-54,lowest,tertiary,self_employed,116.17,7,limited,0,849,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,urban,female,24,18-24,middle,secondary,employed_informal,409.77,1,excellent,1,823,1,microfinance,6210.39,none,debt_consolidation,1,5771.15,0.318,18,422.71,current,not_applicable,high_burden
DRC,2020,rural,female,47,45-54,middle,tertiary,self_employed,90.46,9,none,0,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,urban,male,38,35-44,fourth,secondary,farmer,191.81,2,excellent,0,425,1,informal_lender,2167.99,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2023,rural,female,47,45-54,second,secondary,employed_informal,157.63,10,excellent,0,823,1,family_friends,4121.87,none,business,1,3877.53,0.036,18,223.22,current,not_applicable,high_burden
Mozambique,2025,rural,male,55,45-54,middle,none,employed_informal,130.79,9,good,1,636,1,family_friends,9876.15,guarantor,consumption,1,9451.56,0.001,48,197.1,current,not_applicable,high_burden
Nigeria,2019,urban,female,59,55+,second,tertiary,farmer,157.49,2,none,0,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,female,27,25-34,middle,tertiary,unemployed,426.55,1,limited,1,713,1,digital_lender,3998.01,guarantor,consumption,1,3364.78,0.483,12,415.94,late_30_days,not_applicable,high_burden
DRC,2022,rural,male,50,45-54,second,none,self_employed,371.44,7,good,1,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,male,62,55+,middle,primary,self_employed,249.62,5,none,0,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,male,48,45-54,second,secondary,employed_informal,87.38,4,none,0,575,1,informal_lender,5654.14,guarantor,consumption,1,5631.04,0.787,12,838.59,paid_off,not_applicable,high_burden
Zambia,2024,urban,female,19,18-24,lowest,secondary,self_employed,95.25,1,limited,1,530,1,microfinance,2430.14,savings,emergency,1,2113.7,0.333,12,234.83,late_30_days,not_applicable,high_burden
South Africa,2021,urban,female,60,55+,middle,secondary,self_employed,149.75,10,good,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,urban,male,58,55+,lowest,none,self_employed,60.21,9,limited,1,795,1,informal_lender,1325.2,guarantor,emergency,1,1266.07,0.758,6,370.97,paid_off,not_applicable,high_burden
DRC,2019,urban,male,48,45-54,second,none,unemployed,173.49,4,limited,1,140,1,commercial_bank,1261.9,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2025,urban,male,22,18-24,fourth,none,employed_informal,1113.89,3,good,1,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,urban,male,35,25-34,fourth,secondary,self_employed,343.66,4,none,1,503,1,informal_lender,9085.7,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2020,rural,female,37,35-44,second,secondary,farmer,483.47,5,limited,1,675,1,family_friends,4877.78,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2021,urban,male,24,18-24,fourth,primary,employed_informal,1544.35,2,none,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,male,29,25-34,second,tertiary,employed_informal,140.32,7,none,1,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,male,48,45-54,lowest,tertiary,employed_informal,90.38,6,none,1,10,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,male,27,25-34,middle,tertiary,employed_formal,256.38,10,limited,0,389,1,microfinance,3026.69,none,business,1,2853.8,0.316,12,312.92,current,not_applicable,high_burden
Tanzania,2021,rural,male,41,35-44,second,secondary,employed_informal,102.53,10,none,1,183,1,family_friends,6535.08,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2023,urban,male,50,45-54,highest,tertiary,farmer,702.99,8,none,0,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,male,23,18-24,fourth,primary,employed_formal,336.16,8,none,1,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,64,55+,second,tertiary,employed_informal,56.76,6,excellent,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,female,66,55+,lowest,secondary,employed_informal,76.65,6,good,1,817,1,commercial_bank,2260.05,savings,agriculture,1,2063.78,0.214,24,104.38,late_30_days,not_applicable,high_burden
DRC,2023,urban,female,60,55+,fourth,tertiary,employed_formal,268.68,10,limited,0,470,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,21,18-24,fourth,primary,self_employed,194.07,7,limited,1,144,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,female,37,35-44,highest,secondary,farmer,714.44,1,limited,0,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,male,62,55+,middle,tertiary,farmer,280.53,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,urban,female,28,25-34,highest,secondary,employed_informal,769.04,8,none,1,22,1,sacco,8022.26,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2019,urban,male,43,35-44,fourth,tertiary,self_employed,455.17,10,none,0,239,1,family_friends,8600.18,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2018,rural,male,25,18-24,fourth,none,employed_formal,311.4,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,male,50,45-54,lowest,primary,unemployed,30.03,1,limited,0,108,1,informal_lender,2650.21,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2020,urban,male,56,55+,highest,primary,self_employed,885.68,6,limited,0,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,25,18-24,second,secondary,farmer,44.49,10,limited,1,370,1,digital_lender,4506.65,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2024,rural,female,41,35-44,highest,none,unemployed,519.68,5,none,0,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,female,25,18-24,lowest,secondary,farmer,161.79,10,limited,1,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,female,40,35-44,second,secondary,self_employed,70.76,8,none,1,4,1,family_friends,3700.78,guarantor,housing,1,3027.32,0.026,12,258.77,current,not_applicable,high_burden
Nigeria,2021,urban,female,58,55+,fourth,primary,self_employed,1249.02,4,none,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,female,41,35-44,middle,primary,employed_formal,963.92,4,none,1,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,female,19,18-24,second,tertiary,self_employed,67.28,1,none,1,596,1,sacco,5499.72,property,agriculture,1,4817.49,0.365,36,182.65,current,not_applicable,high_burden
Kenya,2024,rural,female,53,45-54,second,secondary,employed_informal,64.71,10,good,1,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,male,66,55+,lowest,secondary,employed_informal,104.58,6,none,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,male,31,25-34,second,secondary,self_employed,664.27,8,good,0,125,1,sacco,10258.69,none,asset_purchase,1,8238.17,0.279,18,585.15,current,not_applicable,high_burden
Malawi,2023,urban,male,26,25-34,highest,secondary,employed_informal,720.21,9,good,0,845,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,female,50,45-54,highest,none,self_employed,348.91,10,none,0,95,1,digital_lender,7735.1,property,business,1,6779.89,0.493,24,421.73,current,not_applicable,high_burden
Rwanda,2020,rural,female,36,35-44,second,primary,unemployed,227.92,3,none,1,390,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,female,33,25-34,middle,secondary,farmer,421.75,6,good,0,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,57,55+,middle,primary,employed_informal,205.51,7,good,0,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,female,63,55+,highest,primary,self_employed,694.71,7,good,0,546,1,family_friends,5317.08,none,asset_purchase,1,5288.45,0.035,24,228.01,current,not_applicable,high_burden
South Africa,2023,rural,female,48,45-54,second,secondary,self_employed,54.42,6,none,0,437,1,family_friends,1713.77,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2023,rural,female,34,25-34,lowest,primary,farmer,63.89,6,limited,1,553,1,digital_lender,11837.05,none,emergency,1,9778.29,0.427,24,581.36,current,not_applicable,high_burden
Nigeria,2018,rural,male,45,35-44,highest,primary,unemployed,296.36,2,none,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,male,19,18-24,fourth,primary,employed_formal,150.69,8,good,0,351,1,family_friends,3583.48,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2021,urban,female,22,18-24,middle,primary,unemployed,443.36,1,limited,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,female,64,55+,highest,primary,self_employed,641.73,7,limited,1,460,1,informal_lender,2965.29,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2023,urban,female,41,35-44,fourth,primary,unemployed,253.39,6,good,1,283,1,commercial_bank,5412.58,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2022,urban,female,57,55+,middle,secondary,farmer,3265.96,9,limited,1,103,1,sacco,7651.84,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2021,rural,female,34,25-34,fourth,primary,employed_informal,174.18,9,good,1,467,1,digital_lender,3360.89,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2024,urban,female,29,25-34,lowest,secondary,employed_formal,81.93,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,female,18,18-24,middle,primary,employed_informal,114.33,8,none,0,44,1,family_friends,2036.42,savings,consumption,1,1753.26,0.028,6,300.38,current,not_applicable,high_burden
Malawi,2025,rural,male,35,25-34,second,primary,unemployed,46.2,1,good,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,female,69,55+,fourth,primary,employed_informal,786.47,4,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,female,25,18-24,fourth,tertiary,employed_informal,433.0,6,none,0,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,65,55+,lowest,secondary,unemployed,23.7,4,limited,1,60,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,female,66,55+,second,secondary,self_employed,78.44,10,none,1,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,male,65,55+,highest,secondary,farmer,2528.81,8,limited,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,male,33,25-34,lowest,primary,self_employed,101.07,3,good,0,850,1,employer,7072.24,savings,asset_purchase,1,6393.42,0.061,48,141.36,current,not_applicable,high_burden
Uganda,2025,urban,female,33,25-34,middle,tertiary,self_employed,163.28,8,limited,1,543,1,microfinance,1184.51,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2021,urban,male,64,55+,second,secondary,farmer,74.96,2,none,0,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,female,36,35-44,lowest,tertiary,farmer,106.19,2,none,0,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,urban,female,38,35-44,middle,tertiary,employed_informal,499.87,10,excellent,1,383,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,male,36,35-44,second,primary,farmer,132.75,3,limited,1,836,1,sacco,4274.91,none,business,1,4252.78,0.322,36,156.15,current,not_applicable,high_burden
Malawi,2019,urban,female,36,35-44,middle,none,self_employed,1096.92,7,good,0,114,1,informal_lender,15478.94,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2019,rural,male,47,45-54,lowest,primary,self_employed,39.99,10,limited,0,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,48,45-54,highest,tertiary,employed_formal,183.15,5,excellent,0,850,1,microfinance,10520.04,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2025,rural,female,32,25-34,second,secondary,employed_formal,37.33,10,limited,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,51,45-54,highest,tertiary,self_employed,487.83,3,none,0,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,male,45,35-44,fourth,secondary,self_employed,248.37,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,female,43,35-44,highest,secondary,employed_informal,1118.89,1,good,0,654,1,digital_lender,6062.78,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2023,rural,male,21,18-24,second,none,self_employed,96.04,7,excellent,0,458,1,employer,3910.04,none,consumption,1,3285.04,0.085,24,148.45,late_60_days,not_applicable,high_burden
Tanzania,2019,urban,female,63,55+,second,primary,farmer,151.46,4,none,0,59,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,68,55+,highest,tertiary,farmer,1038.45,1,none,1,179,1,microfinance,16446.88,savings,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2018,rural,male,65,55+,lowest,primary,farmer,44.0,3,none,0,223,1,informal_lender,1311.97,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2025,rural,male,57,55+,lowest,tertiary,employed_informal,161.97,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,55,45-54,highest,primary,farmer,199.89,2,limited,0,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,male,53,45-54,fourth,secondary,employed_informal,2492.13,4,excellent,1,837,1,digital_lender,9696.02,none,agriculture,1,9492.57,0.455,24,575.48,current,not_applicable,high_burden
Tanzania,2025,rural,male,46,45-54,middle,none,farmer,289.23,8,limited,1,434,1,informal_lender,9502.79,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ethiopia,2020,rural,male,66,55+,highest,primary,unemployed,235.92,1,limited,0,293,1,family_friends,1058.45,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2024,rural,male,28,25-34,highest,primary,self_employed,571.41,5,limited,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,urban,female,40,35-44,lowest,primary,farmer,163.47,1,none,1,515,1,microfinance,2528.66,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2021,urban,male,63,55+,lowest,primary,unemployed,61.29,5,limited,0,401,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,male,56,55+,middle,none,employed_informal,492.93,9,excellent,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,male,20,18-24,fourth,primary,employed_informal,551.79,4,none,1,714,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,female,26,25-34,middle,tertiary,employed_informal,179.81,6,limited,0,719,1,informal_lender,2923.52,none,agriculture,1,2909.02,0.751,18,283.03,current,not_applicable,high_burden
Zambia,2020,rural,female,67,55+,lowest,tertiary,farmer,29.08,1,good,0,143,1,sacco,1880.51,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2018,rural,female,69,55+,middle,secondary,self_employed,214.92,6,limited,1,824,1,informal_lender,6753.55,equipment,business,1,6052.11,0.798,6,1814.06,current,not_applicable,high_burden
Zambia,2025,rural,male,20,18-24,highest,secondary,employed_informal,445.18,6,none,1,105,1,digital_lender,12016.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2022,rural,male,63,55+,middle,tertiary,employed_informal,196.25,1,none,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,female,37,35-44,lowest,secondary,farmer,198.1,6,limited,0,626,1,sacco,5483.58,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2020,rural,male,65,55+,middle,primary,employed_informal,81.88,10,none,0,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,rural,female,40,35-44,second,primary,farmer,57.96,7,limited,1,19,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,male,37,35-44,middle,primary,unemployed,719.05,1,none,1,553,1,employer,6934.13,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2022,urban,female,30,25-34,lowest,secondary,self_employed,45.73,9,none,0,203,1,informal_lender,1145.7,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2021,urban,male,35,25-34,lowest,none,unemployed,94.98,1,good,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,female,44,35-44,second,secondary,farmer,66.07,8,good,0,850,1,family_friends,2742.86,guarantor,consumption,1,2211.79,0.036,6,381.97,paid_off,not_applicable,high_burden
Kenya,2024,rural,female,30,25-34,middle,secondary,employed_formal,99.71,10,none,0,0,1,informal_lender,10336.6,guarantor,business,1,8659.07,0.8,6,2598.37,late_30_days,not_applicable,high_burden
Ghana,2022,rural,male,65,55+,highest,secondary,self_employed,596.21,3,good,1,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,female,63,55+,middle,secondary,employed_informal,296.52,10,none,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,female,41,35-44,highest,none,self_employed,562.47,8,limited,1,820,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,25,18-24,fourth,primary,unemployed,411.63,1,good,0,722,1,informal_lender,12722.53,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2025,rural,female,68,55+,lowest,none,employed_formal,14.37,10,none,0,31,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,female,18,18-24,middle,secondary,unemployed,244.88,1,limited,1,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,female,59,55+,middle,tertiary,unemployed,258.19,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,female,21,18-24,middle,secondary,employed_formal,253.52,10,none,0,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,female,46,45-54,fourth,primary,self_employed,649.36,7,limited,1,18,1,family_friends,8786.88,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2020,rural,female,51,45-54,lowest,secondary,self_employed,86.24,8,limited,0,239,1,informal_lender,1882.25,savings,business,1,1765.91,0.765,18,173.17,defaulted,not_applicable,high_burden
Niger,2023,rural,male,24,18-24,second,secondary,unemployed,175.11,1,limited,0,1,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,urban,male,63,55+,highest,secondary,employed_informal,1091.49,7,none,0,231,1,family_friends,9993.63,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2024,urban,female,67,55+,lowest,primary,unemployed,130.61,6,limited,1,676,1,microfinance,9023.84,none,agriculture,1,7757.27,0.367,18,588.98,current,not_applicable,high_burden
Kenya,2019,rural,male,37,35-44,second,primary,farmer,111.48,9,good,1,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,68,55+,middle,primary,farmer,235.1,6,none,1,406,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,male,22,18-24,second,secondary,self_employed,113.27,6,limited,1,149,1,commercial_bank,4053.05,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2019,rural,male,60,55+,lowest,primary,employed_informal,87.25,6,none,1,232,1,commercial_bank,3834.35,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2024,rural,male,38,35-44,fourth,none,employed_formal,1100.18,8,none,1,0,1,sacco,10707.61,vehicle,business,1,8908.32,0.329,24,493.27,current,not_applicable,high_burden
Senegal,2022,urban,male,40,35-44,second,secondary,self_employed,328.76,3,limited,0,815,1,sacco,8981.73,equipment,emergency,1,7368.13,0.356,6,1665.69,paid_off,not_applicable,high_burden
Nigeria,2018,rural,male,43,35-44,lowest,secondary,employed_formal,93.31,6,good,0,115,1,family_friends,3890.96,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2023,rural,male,64,55+,lowest,secondary,unemployed,70.35,1,excellent,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,male,57,55+,lowest,none,self_employed,81.27,4,none,1,645,1,commercial_bank,1969.79,none,agriculture,1,1663.28,0.181,6,327.26,defaulted,not_applicable,high_burden
Ghana,2020,rural,male,20,18-24,lowest,tertiary,unemployed,31.84,5,none,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,male,55,45-54,lowest,secondary,self_employed,41.42,1,limited,1,682,1,digital_lender,2984.26,equipment,education,1,2505.9,0.415,24,147.69,late_30_days,not_applicable,high_burden
Nigeria,2025,urban,male,18,18-24,middle,tertiary,employed_informal,109.9,2,limited,1,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,female,44,35-44,second,tertiary,employed_informal,98.63,10,none,1,620,1,commercial_bank,3438.87,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2020,urban,male,62,55+,second,primary,employed_informal,92.58,7,none,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,urban,female,52,45-54,lowest,secondary,employed_informal,111.11,6,good,1,850,1,family_friends,1518.83,none,business,1,1507.11,0.033,24,64.85,defaulted,not_applicable,high_burden
Ghana,2025,urban,female,33,25-34,middle,secondary,employed_informal,239.79,9,excellent,0,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,female,38,35-44,second,tertiary,employed_informal,143.95,4,none,1,273,1,commercial_bank,8078.55,equipment,housing,1,8001.64,0.138,12,758.93,late_30_days,not_applicable,high_burden
Ghana,2021,urban,female,55,45-54,second,none,employed_formal,156.98,8,good,0,355,1,family_friends,7830.93,guarantor,agriculture,1,6488.89,0.051,24,284.23,current,not_applicable,high_burden
Nigeria,2019,urban,female,23,18-24,fourth,secondary,employed_formal,757.11,7,good,1,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,urban,male,18,18-24,middle,tertiary,farmer,499.84,1,good,0,206,1,commercial_bank,6664.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2024,urban,male,53,45-54,middle,none,unemployed,346.66,2,none,0,8,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,male,49,45-54,middle,none,employed_informal,405.86,10,none,1,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,47,45-54,fourth,secondary,self_employed,133.37,7,none,0,199,1,family_friends,3787.84,guarantor,business,1,3721.12,0.069,18,221.05,late_30_days,not_applicable,high_burden
Kenya,2024,urban,female,46,45-54,middle,none,farmer,53.42,10,none,1,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,urban,male,34,25-34,middle,primary,farmer,382.71,9,good,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,female,34,25-34,second,primary,employed_formal,60.83,5,good,0,87,1,family_friends,3474.23,guarantor,business,1,3002.12,0.099,18,183.33,paid_off,not_applicable,high_burden
Mali,2018,rural,male,63,55+,second,tertiary,self_employed,216.03,8,limited,1,107,1,commercial_bank,3757.01,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2020,rural,male,21,18-24,fourth,none,self_employed,130.34,9,limited,1,823,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,female,23,18-24,lowest,secondary,employed_informal,52.17,7,good,0,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,49,45-54,lowest,secondary,farmer,69.21,10,limited,1,729,1,informal_lender,1440.79,equipment,education,1,1338.29,0.778,6,396.58,current,not_applicable,high_burden
Uganda,2019,rural,male,18,18-24,fourth,primary,self_employed,312.51,3,limited,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,male,65,55+,fourth,none,employed_formal,256.86,10,limited,0,716,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,33,25-34,second,secondary,unemployed,103.33,1,good,0,111,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,urban,male,27,25-34,second,tertiary,farmer,265.03,2,limited,1,701,1,family_friends,1691.71,guarantor,agriculture,1,1598.2,0.011,12,134.68,current,not_applicable,high_burden
South Africa,2022,rural,female,23,18-24,second,primary,farmer,270.35,10,good,0,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,male,39,35-44,lowest,primary,employed_formal,96.74,7,good,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,male,64,55+,middle,none,self_employed,38.7,9,none,1,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,female,37,35-44,lowest,tertiary,self_employed,157.84,7,limited,1,681,1,commercial_bank,2160.92,none,agriculture,1,1752.8,0.215,12,177.52,current,not_applicable,high_burden
Uganda,2025,rural,female,66,55+,second,secondary,self_employed,73.8,10,none,0,508,1,family_friends,3239.61,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2025,rural,female,30,25-34,highest,secondary,farmer,837.04,7,none,1,64,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,66,55+,second,tertiary,employed_formal,489.43,5,limited,1,564,1,sacco,4334.22,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2021,urban,male,42,35-44,middle,secondary,farmer,327.01,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,male,46,45-54,fourth,secondary,self_employed,300.75,3,limited,0,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,female,29,25-34,middle,primary,unemployed,179.89,1,excellent,0,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,female,25,18-24,second,secondary,farmer,175.77,5,none,0,256,1,family_friends,4878.25,property,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2018,rural,female,18,18-24,fourth,primary,farmer,491.36,9,good,1,850,1,informal_lender,19208.53,none,housing,1,17864.59,0.808,12,2691.11,current,not_applicable,high_burden
Senegal,2019,rural,male,60,55+,lowest,secondary,employed_informal,6.49,1,none,1,589,1,sacco,324.84,none,agriculture,1,309.0,0.326,36,11.38,current,not_applicable,high_burden
Ethiopia,2020,urban,male,20,18-24,lowest,primary,self_employed,53.37,2,good,0,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,female,57,55+,second,tertiary,self_employed,550.3,3,good,1,554,1,commercial_bank,5398.83,guarantor,business,1,5126.02,0.185,24,253.04,late_30_days,not_applicable,high_burden
Senegal,2022,rural,female,20,18-24,middle,primary,farmer,133.72,10,limited,0,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,urban,male,48,45-54,fourth,tertiary,employed_informal,2089.57,1,limited,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,female,44,35-44,second,secondary,employed_informal,24.25,6,good,1,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,male,35,25-34,lowest,primary,employed_informal,66.91,6,good,0,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,female,59,55+,second,tertiary,employed_informal,63.71,7,limited,0,378,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,urban,male,45,35-44,middle,primary,employed_informal,303.53,6,limited,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,female,51,45-54,fourth,primary,farmer,155.16,10,none,0,31,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,male,63,55+,lowest,secondary,farmer,26.32,4,none,0,442,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,female,61,55+,second,primary,self_employed,237.22,4,limited,1,818,1,commercial_bank,2515.23,guarantor,emergency,1,2137.74,0.227,24,109.31,current,not_applicable,high_burden
Nigeria,2021,rural,male,41,35-44,lowest,primary,unemployed,134.93,3,good,0,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,male,43,35-44,second,primary,unemployed,371.14,1,none,1,322,1,commercial_bank,4549.93,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2024,urban,female,43,35-44,middle,primary,farmer,912.65,10,none,1,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,female,46,45-54,middle,secondary,self_employed,155.36,9,limited,0,462,1,microfinance,5619.73,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2018,rural,male,61,55+,second,tertiary,farmer,142.43,9,good,1,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,female,58,55+,middle,primary,farmer,405.76,4,none,0,412,1,informal_lender,3886.02,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2021,urban,male,43,35-44,lowest,primary,farmer,143.63,3,none,1,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,female,57,55+,middle,secondary,unemployed,206.17,2,none,0,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,female,19,18-24,lowest,primary,farmer,44.87,9,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,male,37,35-44,second,tertiary,self_employed,155.24,8,excellent,1,287,1,family_friends,8544.14,equipment,asset_purchase,1,7522.64,0.087,6,1363.25,paid_off,not_applicable,high_burden
Senegal,2021,urban,male,44,35-44,middle,secondary,self_employed,120.15,10,none,1,462,1,family_friends,4532.85,none,business,1,4033.85,0.076,12,361.66,current,not_applicable,high_burden
Rwanda,2024,urban,female,53,45-54,second,tertiary,farmer,248.07,9,limited,0,665,1,family_friends,1796.9,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2022,rural,male,58,55+,lowest,tertiary,employed_formal,46.06,6,none,0,608,1,employer,3230.31,guarantor,emergency,1,3216.31,0.002,6,537.1,late_30_days,not_applicable,high_burden
Mozambique,2024,rural,female,49,45-54,second,tertiary,farmer,62.91,5,good,1,433,1,commercial_bank,1911.88,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
South Africa,2022,rural,male,34,25-34,second,secondary,employed_informal,86.21,6,none,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,male,58,55+,highest,secondary,self_employed,855.87,7,limited,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,male,61,55+,second,primary,self_employed,196.55,9,good,0,653,1,family_friends,980.35,guarantor,education,1,928.9,0.038,12,80.35,current,not_applicable,high_burden
Uganda,2022,rural,female,48,45-54,fourth,secondary,unemployed,282.98,6,excellent,1,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,rural,female,67,55+,second,secondary,farmer,113.28,8,excellent,0,196,1,family_friends,2206.25,savings,debt_consolidation,1,1859.62,0.02,6,316.24,current,not_applicable,high_burden
Tanzania,2023,rural,male,58,55+,middle,tertiary,farmer,270.42,2,limited,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,male,65,55+,lowest,primary,farmer,82.91,7,good,1,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,female,48,45-54,middle,secondary,self_employed,626.29,1,none,0,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,30,25-34,lowest,secondary,farmer,77.81,5,none,1,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,female,37,35-44,highest,none,farmer,1157.45,7,none,1,672,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,urban,male,31,25-34,fourth,tertiary,employed_informal,381.72,7,limited,1,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,female,62,55+,fourth,secondary,employed_informal,221.26,8,good,0,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,30,25-34,second,primary,employed_formal,78.99,10,none,0,459,1,family_friends,6489.12,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2021,rural,female,30,25-34,middle,none,self_employed,199.62,9,limited,0,36,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,37,35-44,middle,secondary,self_employed,211.35,1,limited,1,334,1,microfinance,1774.03,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2023,urban,male,42,35-44,lowest,secondary,employed_formal,69.68,10,good,1,568,1,microfinance,3483.26,savings,business,1,2889.39,0.311,12,315.57,late_60_days,not_applicable,high_burden
Uganda,2025,urban,male,34,25-34,fourth,primary,farmer,444.01,2,none,1,640,1,digital_lender,24128.68,guarantor,business,1,22096.94,0.471,24,1354.02,late_60_days,not_applicable,high_burden
Malawi,2020,rural,female,67,55+,second,tertiary,self_employed,114.94,7,none,0,400,1,family_friends,1632.09,vehicle,consumption,1,1570.1,0.094,18,95.42,late_30_days,not_applicable,high_burden
Ethiopia,2019,rural,female,69,55+,middle,secondary,self_employed,412.56,8,none,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,female,32,25-34,fourth,none,farmer,676.54,6,limited,1,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,female,50,45-54,middle,tertiary,self_employed,150.36,4,none,0,148,1,microfinance,1886.93,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2025,urban,female,51,45-54,lowest,primary,self_employed,115.92,6,none,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,male,52,45-54,second,none,self_employed,287.35,2,none,1,526,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,female,27,25-34,lowest,secondary,farmer,46.95,9,none,0,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,urban,male,52,45-54,second,tertiary,unemployed,81.83,5,limited,1,684,1,sacco,2643.4,none,education,1,2427.41,0.286,36,86.69,late_30_days,not_applicable,high_burden
South Africa,2025,rural,male,57,55+,middle,primary,employed_informal,115.96,3,none,1,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,63,55+,highest,secondary,employed_informal,276.27,2,good,1,406,1,microfinance,5051.39,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2019,rural,female,53,45-54,second,secondary,self_employed,73.95,9,none,0,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,male,38,35-44,second,secondary,employed_informal,166.37,5,limited,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,female,61,55+,highest,secondary,farmer,2169.89,1,none,0,252,1,commercial_bank,5163.54,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2024,urban,female,37,35-44,second,primary,employed_formal,199.61,10,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,female,69,55+,middle,primary,employed_informal,385.09,5,limited,1,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,female,26,25-34,lowest,primary,self_employed,69.26,6,excellent,1,395,1,commercial_bank,2687.39,property,consumption,1,2448.58,0.188,12,242.5,current,not_applicable,high_burden
Zambia,2023,rural,male,50,45-54,lowest,secondary,employed_informal,46.98,2,none,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,urban,female,43,35-44,middle,primary,employed_informal,206.1,1,none,1,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,female,60,55+,second,tertiary,employed_informal,64.36,7,none,1,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,urban,female,52,45-54,lowest,secondary,self_employed,119.01,2,good,0,372,1,employer,7492.41,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2025,rural,female,33,25-34,lowest,secondary,self_employed,16.94,9,none,0,453,1,informal_lender,733.47,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2018,urban,male,69,55+,lowest,primary,self_employed,121.8,8,good,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,51,45-54,lowest,secondary,employed_formal,107.6,10,limited,0,747,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,male,64,55+,middle,secondary,unemployed,51.4,4,none,1,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,female,24,18-24,second,primary,employed_informal,68.71,1,none,0,58,1,family_friends,2352.71,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mozambique,2022,rural,female,50,45-54,fourth,none,employed_informal,1301.2,9,good,0,599,1,digital_lender,3864.79,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2024,rural,female,33,25-34,second,primary,farmer,418.83,8,none,0,442,1,informal_lender,6175.31,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
South Africa,2019,rural,male,18,18-24,middle,none,employed_formal,167.27,8,excellent,0,463,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,47,45-54,fourth,primary,self_employed,289.92,8,limited,0,35,1,family_friends,3619.07,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2018,rural,male,30,25-34,lowest,tertiary,employed_informal,141.21,7,excellent,0,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,female,23,18-24,middle,tertiary,unemployed,144.07,2,none,0,0,1,family_friends,4073.72,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2021,rural,male,33,25-34,second,secondary,self_employed,56.28,7,limited,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,male,37,35-44,lowest,primary,farmer,24.37,10,none,1,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,male,51,45-54,second,secondary,self_employed,58.72,5,limited,0,10,1,microfinance,2788.18,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2020,urban,female,55,45-54,middle,primary,employed_formal,220.33,9,good,1,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,male,24,18-24,highest,secondary,employed_informal,841.03,1,none,0,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,male,38,35-44,middle,secondary,self_employed,654.24,9,none,1,202,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,urban,male,19,18-24,lowest,secondary,employed_formal,62.22,9,limited,1,344,1,commercial_bank,3600.06,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2019,rural,male,65,55+,second,primary,self_employed,110.78,8,good,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,male,67,55+,lowest,secondary,unemployed,37.5,1,good,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,39,35-44,second,secondary,employed_informal,33.39,4,limited,0,168,1,informal_lender,2806.65,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2022,rural,female,24,18-24,lowest,primary,self_employed,26.12,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,male,29,25-34,second,primary,employed_formal,1319.17,6,none,0,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,47,45-54,fourth,tertiary,employed_informal,258.63,7,good,1,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,male,27,25-34,second,primary,self_employed,71.19,9,good,1,405,1,sacco,1646.07,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2020,rural,male,63,55+,lowest,primary,self_employed,29.94,2,limited,1,597,1,commercial_bank,3686.53,none,consumption,1,3297.21,0.158,18,212.09,late_60_days,not_applicable,high_burden
Uganda,2022,rural,female,51,45-54,lowest,primary,unemployed,153.09,3,none,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,male,52,45-54,fourth,secondary,farmer,344.78,6,none,0,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,female,61,55+,fourth,secondary,self_employed,807.35,2,excellent,1,722,1,commercial_bank,4027.38,none,business,1,3456.11,0.158,12,333.57,current,not_applicable,high_burden
Ghana,2018,rural,female,35,25-34,highest,tertiary,unemployed,476.42,1,none,1,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,30,25-34,highest,tertiary,employed_formal,317.59,4,none,0,113,1,informal_lender,3539.34,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2021,urban,female,69,55+,lowest,none,self_employed,56.67,5,none,1,519,1,commercial_bank,4175.11,vehicle,consumption,1,3786.87,0.223,12,386.07,current,not_applicable,high_burden
Mali,2019,rural,male,61,55+,middle,secondary,self_employed,312.03,1,good,1,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,female,35,25-34,second,secondary,employed_informal,65.65,7,limited,0,582,1,family_friends,2307.28,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2024,rural,male,53,45-54,middle,primary,employed_informal,102.83,2,limited,0,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,female,47,45-54,fourth,tertiary,unemployed,471.69,1,limited,0,839,1,microfinance,7845.87,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2021,rural,male,65,55+,middle,secondary,employed_formal,188.77,5,good,0,799,1,informal_lender,3048.19,none,education,1,2979.12,0.828,12,453.89,late_60_days,not_applicable,high_burden
Rwanda,2021,rural,male,39,35-44,middle,primary,farmer,136.01,2,excellent,1,574,1,digital_lender,2149.4,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Malawi,2025,urban,male,62,55+,lowest,none,employed_formal,91.36,4,none,1,648,1,digital_lender,1412.05,vehicle,business,1,1148.49,0.401,6,268.08,current,not_applicable,high_burden
Ethiopia,2021,urban,male,23,18-24,fourth,none,employed_formal,319.85,8,limited,0,456,1,informal_lender,3599.6,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Uganda,2019,urban,female,20,18-24,highest,secondary,farmer,1034.91,9,limited,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,male,42,35-44,lowest,secondary,unemployed,66.54,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,female,64,55+,lowest,tertiary,employed_formal,18.7,4,good,1,99,1,sacco,1524.98,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2019,urban,female,65,55+,fourth,none,self_employed,543.67,3,limited,1,801,1,digital_lender,4871.98,none,business,1,4841.24,0.49,12,601.18,paid_off,not_applicable,high_burden
Senegal,2018,rural,female,46,45-54,lowest,primary,unemployed,103.29,5,none,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,female,53,45-54,second,secondary,employed_informal,222.32,6,good,0,850,1,informal_lender,9894.53,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2025,urban,female,23,18-24,middle,primary,self_employed,2180.95,9,limited,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,urban,male,40,35-44,fourth,tertiary,self_employed,2361.63,7,none,1,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,male,43,35-44,second,primary,farmer,115.32,10,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,male,61,55+,lowest,secondary,employed_formal,84.75,4,limited,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,female,31,25-34,lowest,none,self_employed,37.12,9,good,0,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,male,69,55+,middle,none,self_employed,214.87,8,none,0,609,1,family_friends,3568.86,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2018,rural,female,37,35-44,second,none,farmer,124.85,1,limited,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,male,67,55+,second,primary,farmer,88.39,10,limited,1,256,1,microfinance,4005.34,savings,agriculture,1,3557.28,0.292,12,383.03,current,not_applicable,high_burden
South Africa,2020,rural,female,53,45-54,middle,primary,self_employed,250.03,4,good,0,492,1,digital_lender,5564.86,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2020,rural,female,45,35-44,lowest,secondary,employed_formal,18.22,6,none,0,296,1,sacco,2991.97,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2020,rural,male,53,45-54,lowest,primary,self_employed,26.11,6,none,0,145,1,microfinance,1617.26,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Rwanda,2024,rural,female,50,45-54,second,primary,self_employed,48.9,6,limited,0,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,female,60,55+,second,none,self_employed,522.72,9,none,0,646,1,microfinance,5457.5,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2020,rural,male,42,35-44,highest,primary,self_employed,329.62,4,none,1,524,1,commercial_bank,2672.29,none,emergency,1,2184.44,0.173,24,106.73,paid_off,not_applicable,high_burden
Mozambique,2018,urban,male,33,25-34,fourth,secondary,farmer,293.02,8,none,1,82,1,commercial_bank,12351.98,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2023,rural,male,45,35-44,second,secondary,unemployed,115.17,6,limited,0,340,1,commercial_bank,3265.33,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2020,urban,female,54,45-54,middle,none,employed_informal,497.34,8,none,1,0,1,digital_lender,5887.03,savings,education,1,4837.83,0.431,18,384.73,paid_off,not_applicable,high_burden
Tanzania,2022,urban,female,68,55+,second,secondary,self_employed,233.78,5,none,0,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,male,42,35-44,lowest,none,self_employed,68.31,3,none,0,231,1,informal_lender,2715.59,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2023,rural,female,28,25-34,highest,secondary,employed_informal,693.33,6,limited,0,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,male,23,18-24,fourth,none,farmer,171.88,10,none,0,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,46,45-54,highest,secondary,employed_informal,498.05,7,limited,0,554,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,male,55,45-54,highest,secondary,employed_informal,144.72,2,limited,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,44,35-44,highest,primary,farmer,617.56,7,none,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,male,28,25-34,second,tertiary,self_employed,124.14,1,none,0,467,1,sacco,6259.02,none,business,1,5499.11,0.293,48,148.08,current,not_applicable,high_burden
South Africa,2022,rural,female,42,35-44,highest,primary,self_employed,787.23,8,none,0,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,male,21,18-24,fourth,secondary,unemployed,549.49,5,none,0,651,1,informal_lender,2059.95,property,asset_purchase,1,1945.45,0.81,48,73.38,paid_off,not_applicable,high_burden
Ghana,2018,rural,male,39,35-44,highest,primary,employed_informal,585.83,7,limited,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,male,63,55+,highest,none,farmer,4297.02,2,none,0,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,female,55,45-54,fourth,primary,employed_formal,107.24,5,none,1,262,1,sacco,2312.71,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2024,urban,female,53,45-54,lowest,secondary,employed_formal,128.08,10,none,0,296,1,family_friends,2692.75,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2021,urban,male,48,45-54,highest,primary,farmer,269.91,10,limited,0,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,urban,male,43,35-44,lowest,tertiary,farmer,134.71,10,none,1,444,1,commercial_bank,3478.57,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2025,urban,female,26,25-34,lowest,primary,employed_informal,92.69,1,good,0,783,1,family_friends,3400.71,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Niger,2023,rural,male,24,18-24,middle,primary,employed_formal,138.21,10,limited,0,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,male,18,18-24,fourth,primary,employed_informal,60.06,3,none,1,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,urban,female,25,18-24,second,secondary,employed_formal,89.08,6,limited,0,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,female,59,55+,second,secondary,self_employed,106.31,6,none,1,746,1,microfinance,1231.96,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2024,rural,female,55,45-54,fourth,none,unemployed,1141.62,1,none,0,24,1,sacco,3533.28,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2022,rural,female,53,45-54,second,primary,employed_formal,130.4,8,limited,0,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,female,52,45-54,fourth,tertiary,farmer,218.03,4,good,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,female,20,18-24,lowest,primary,unemployed,146.9,1,none,0,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,male,38,35-44,second,primary,farmer,315.85,6,none,1,270,1,sacco,9348.74,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2021,urban,male,26,25-34,fourth,secondary,employed_formal,187.37,7,limited,1,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,56,55+,highest,tertiary,self_employed,976.4,6,none,1,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,58,55+,lowest,secondary,employed_informal,86.22,9,limited,0,482,1,family_friends,3084.84,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2024,urban,male,34,25-34,fourth,none,self_employed,366.05,8,good,1,136,1,sacco,27140.52,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2024,urban,female,62,55+,lowest,primary,farmer,50.41,7,none,0,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,urban,female,49,45-54,lowest,primary,self_employed,99.43,9,excellent,0,530,1,employer,4788.57,savings,consumption,1,4319.09,0.086,36,130.31,current,not_applicable,high_burden
Tanzania,2024,rural,female,42,35-44,middle,none,unemployed,80.92,4,limited,0,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,female,35,25-34,fourth,secondary,self_employed,879.32,3,limited,1,139,1,informal_lender,5885.22,guarantor,business,1,4806.24,0.815,12,726.92,current,not_applicable,high_burden
Malawi,2024,urban,male,43,35-44,middle,tertiary,self_employed,173.06,8,limited,0,416,1,family_friends,3823.1,none,business,1,3268.08,0.073,12,292.32,late_30_days,not_applicable,high_burden
Niger,2023,urban,male,30,25-34,second,secondary,farmer,1364.89,8,none,0,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,67,55+,lowest,tertiary,self_employed,149.94,4,none,0,615,1,family_friends,5890.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2024,urban,male,40,35-44,fourth,none,self_employed,487.23,8,none,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,female,63,55+,middle,primary,self_employed,160.17,10,none,0,271,1,family_friends,2204.82,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2023,rural,male,23,18-24,second,secondary,farmer,186.85,10,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,female,29,25-34,lowest,secondary,self_employed,234.62,4,none,0,642,1,informal_lender,4344.38,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Niger,2022,rural,male,19,18-24,highest,secondary,employed_formal,731.53,4,none,1,360,1,commercial_bank,3629.8,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2024,rural,male,28,25-34,lowest,primary,employed_formal,56.86,5,limited,1,467,1,microfinance,2684.9,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2024,rural,female,48,45-54,lowest,primary,self_employed,115.93,9,good,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,male,63,55+,second,secondary,unemployed,120.81,4,limited,1,810,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,male,47,45-54,highest,none,farmer,1881.41,1,none,0,493,1,family_friends,15245.73,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2020,urban,female,24,18-24,fourth,tertiary,farmer,724.27,2,limited,1,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,female,66,55+,fourth,secondary,employed_informal,1709.79,2,excellent,1,823,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,male,42,35-44,lowest,tertiary,unemployed,191.5,1,limited,0,96,1,family_friends,5050.08,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2023,rural,female,23,18-24,middle,primary,farmer,186.41,7,none,0,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,female,24,18-24,lowest,none,employed_formal,38.08,8,none,1,27,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,urban,male,44,35-44,second,secondary,self_employed,703.24,9,none,0,139,1,microfinance,5318.42,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2022,urban,male,22,18-24,middle,primary,employed_informal,1391.77,3,none,1,209,1,commercial_bank,17273.83,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2021,urban,male,38,35-44,lowest,tertiary,employed_formal,77.59,5,none,1,657,1,commercial_bank,5047.78,vehicle,agriculture,1,4212.69,0.141,12,400.7,current,not_applicable,high_burden
Senegal,2022,rural,female,57,55+,second,primary,farmer,153.81,7,limited,0,364,1,family_friends,6068.91,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2025,urban,female,54,45-54,second,secondary,farmer,59.27,4,none,1,113,1,digital_lender,3252.69,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2018,rural,male,64,55+,middle,none,employed_informal,97.84,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,male,39,35-44,fourth,primary,unemployed,437.13,6,limited,1,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,female,24,18-24,second,secondary,self_employed,118.8,7,limited,0,504,1,digital_lender,12607.83,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2022,urban,male,47,45-54,second,none,employed_informal,365.93,2,limited,1,819,1,commercial_bank,4800.24,guarantor,business,1,4418.0,0.201,18,294.69,late_30_days,not_applicable,high_burden
Nigeria,2021,rural,male,64,55+,middle,none,self_employed,224.49,9,none,0,93,1,informal_lender,2347.18,none,education,1,1987.64,0.793,24,148.47,paid_off,not_applicable,high_burden
Niger,2022,rural,female,26,25-34,second,secondary,self_employed,334.71,9,none,0,463,1,family_friends,7238.19,none,education,1,6619.6,0.004,12,553.58,late_30_days,not_applicable,high_burden
Malawi,2023,rural,female,30,25-34,middle,secondary,employed_informal,268.27,7,limited,1,846,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,urban,male,24,18-24,lowest,secondary,employed_formal,37.43,10,limited,1,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,male,32,25-34,second,primary,unemployed,110.96,4,good,0,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,rural,female,27,25-34,lowest,none,employed_informal,27.52,9,good,0,482,1,digital_lender,2647.43,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mali,2023,rural,male,29,25-34,middle,secondary,farmer,150.09,10,limited,1,281,1,microfinance,3524.79,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2024,rural,male,27,25-34,lowest,primary,self_employed,15.18,2,limited,0,599,1,microfinance,889.93,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2019,rural,female,22,18-24,second,none,self_employed,195.65,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,male,54,45-54,highest,secondary,farmer,1093.01,5,limited,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,urban,female,59,55+,middle,tertiary,self_employed,671.61,6,none,0,412,1,digital_lender,20851.64,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2024,urban,female,61,55+,fourth,none,self_employed,1228.65,2,good,1,850,1,microfinance,7697.35,none,agriculture,1,6391.9,0.303,48,173.48,late_30_days,not_applicable,high_burden
Nigeria,2022,rural,male,59,55+,lowest,tertiary,employed_informal,63.11,8,good,1,235,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,male,28,25-34,lowest,secondary,unemployed,64.2,4,limited,0,185,1,family_friends,3717.37,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2024,urban,male,19,18-24,lowest,none,employed_informal,240.94,6,none,1,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,male,58,55+,middle,none,employed_informal,159.01,6,none,1,416,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,female,63,55+,middle,tertiary,employed_informal,143.17,3,limited,0,352,1,informal_lender,2798.05,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Uganda,2025,urban,female,46,45-54,highest,none,farmer,2535.9,9,none,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,56,55+,fourth,tertiary,unemployed,298.33,1,none,0,466,1,family_friends,4654.96,savings,consumption,1,4410.97,0.024,18,251.0,paid_off,not_applicable,high_burden
Zambia,2022,rural,female,69,55+,lowest,secondary,employed_informal,42.76,7,limited,0,105,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,male,68,55+,lowest,primary,self_employed,37.7,9,good,0,246,1,informal_lender,4961.97,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2020,rural,male,33,25-34,fourth,primary,farmer,651.19,5,none,1,607,1,commercial_bank,3028.03,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2025,rural,male,57,55+,middle,none,unemployed,281.75,1,good,0,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,male,67,55+,fourth,tertiary,self_employed,235.56,3,none,0,670,1,informal_lender,4045.65,none,consumption,1,3546.83,0.755,48,129.7,current,not_applicable,high_burden
Mozambique,2020,rural,male,45,35-44,second,secondary,unemployed,99.49,4,none,0,0,1,family_friends,1922.16,savings,education,1,1614.8,0.077,12,144.87,late_60_days,not_applicable,high_burden
Tanzania,2020,urban,female,51,45-54,middle,none,self_employed,186.11,7,limited,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,female,30,25-34,highest,secondary,self_employed,568.6,1,excellent,0,669,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,male,40,35-44,fourth,secondary,farmer,1025.25,1,excellent,1,747,1,digital_lender,5730.47,none,business,1,4682.46,0.43,12,558.17,late_30_days,not_applicable,high_burden
Senegal,2024,urban,male,60,55+,fourth,primary,farmer,1619.03,4,none,1,698,1,informal_lender,6055.69,savings,business,1,5006.2,0.758,48,183.38,late_30_days,not_applicable,high_burden
Senegal,2023,urban,male,52,45-54,fourth,primary,unemployed,201.4,1,none,1,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,male,24,18-24,second,primary,employed_informal,123.29,2,none,0,0,1,sacco,5478.53,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2024,rural,female,18,18-24,middle,primary,farmer,251.42,4,limited,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,female,52,45-54,second,none,unemployed,57.78,1,none,0,734,1,informal_lender,5827.18,property,debt_consolidation,1,5323.33,0.786,12,792.37,current,not_applicable,high_burden
Nigeria,2020,urban,male,66,55+,middle,secondary,self_employed,336.06,4,none,1,324,1,family_friends,9889.48,guarantor,education,1,8712.37,0.007,6,1462.62,current,not_applicable,high_burden
Senegal,2024,urban,female,47,45-54,middle,tertiary,self_employed,724.02,2,limited,0,384,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,30,25-34,lowest,tertiary,employed_informal,108.21,3,good,0,218,1,employer,12614.65,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Malawi,2025,rural,male,45,35-44,second,secondary,farmer,153.22,3,none,1,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,female,48,45-54,second,secondary,self_employed,46.57,1,none,1,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,female,41,35-44,fourth,secondary,employed_informal,134.9,4,none,1,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,female,44,35-44,highest,primary,farmer,350.31,1,none,0,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,female,50,45-54,lowest,secondary,employed_informal,172.04,3,excellent,0,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,male,67,55+,highest,secondary,employed_informal,2690.73,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,female,47,45-54,middle,primary,farmer,64.74,4,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,female,55,45-54,lowest,tertiary,self_employed,78.51,6,limited,1,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,male,40,35-44,fourth,primary,employed_informal,847.69,7,good,1,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,urban,female,21,18-24,highest,secondary,unemployed,738.99,3,good,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,male,53,45-54,middle,primary,self_employed,448.92,4,excellent,1,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,male,68,55+,second,none,employed_formal,406.03,10,none,1,174,1,commercial_bank,1841.96,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2025,urban,female,22,18-24,middle,primary,farmer,379.92,8,limited,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,urban,male,66,55+,lowest,primary,unemployed,60.74,1,none,1,435,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,urban,male,56,55+,lowest,primary,employed_informal,27.03,4,none,1,175,1,sacco,3750.54,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2018,rural,male,50,45-54,fourth,secondary,employed_informal,304.57,3,limited,0,344,1,family_friends,3469.17,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2019,rural,male,25,18-24,fourth,secondary,self_employed,322.52,3,good,0,133,1,family_friends,15458.39,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2025,urban,female,25,18-24,second,tertiary,self_employed,231.79,8,none,1,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,male,23,18-24,fourth,secondary,self_employed,389.11,8,limited,0,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,female,34,25-34,fourth,secondary,farmer,626.85,8,limited,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,female,18,18-24,middle,primary,employed_informal,335.58,4,limited,1,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,46,45-54,fourth,tertiary,employed_informal,527.19,5,good,0,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,male,42,35-44,fourth,none,employed_informal,363.3,1,limited,0,40,1,microfinance,4100.63,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2025,rural,female,69,55+,highest,tertiary,self_employed,260.42,3,good,1,727,1,microfinance,3959.04,none,education,1,3594.19,0.355,48,101.44,current,not_applicable,high_burden
South Africa,2020,urban,male,24,18-24,lowest,secondary,employed_informal,66.64,4,none,1,0,1,commercial_bank,600.44,equipment,business,1,514.43,0.218,6,104.46,late_30_days,not_applicable,high_burden
South Africa,2023,urban,male,54,45-54,middle,none,employed_informal,437.79,2,none,0,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,male,58,55+,fourth,secondary,unemployed,148.36,1,none,1,522,1,commercial_bank,3244.16,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2022,urban,female,30,25-34,second,tertiary,farmer,168.05,3,none,0,658,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,female,53,45-54,fourth,tertiary,employed_informal,363.23,9,limited,0,13,1,family_friends,2376.51,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2022,rural,female,27,25-34,highest,primary,self_employed,538.23,8,none,0,465,1,microfinance,2284.8,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Niger,2021,rural,male,23,18-24,fourth,primary,employed_informal,394.8,8,excellent,0,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,male,18,18-24,second,secondary,farmer,63.18,5,excellent,1,791,1,sacco,1430.13,guarantor,agriculture,1,1426.53,0.29,6,306.74,defaulted,not_applicable,high_burden
Mali,2022,urban,female,40,35-44,middle,none,employed_informal,152.4,8,limited,1,147,1,family_friends,2869.08,savings,consumption,1,2747.5,0.046,12,239.59,current,not_applicable,high_burden
Malawi,2021,rural,female,59,55+,lowest,secondary,farmer,171.43,10,none,1,710,1,sacco,6460.94,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2024,urban,female,41,35-44,lowest,secondary,self_employed,230.29,3,limited,0,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,female,46,45-54,highest,tertiary,employed_informal,1564.7,4,limited,0,784,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,rural,female,58,55+,second,secondary,employed_informal,30.41,2,good,0,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,57,55+,middle,none,self_employed,113.12,7,good,0,290,1,sacco,12305.65,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Rwanda,2024,urban,female,36,35-44,middle,secondary,employed_informal,169.22,9,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,male,38,35-44,middle,primary,unemployed,549.32,4,limited,1,813,1,microfinance,13138.88,guarantor,business,1,11518.64,0.343,6,2578.54,current,not_applicable,high_burden
DRC,2020,rural,male,45,35-44,middle,tertiary,self_employed,272.74,9,limited,0,624,1,family_friends,2699.3,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2022,urban,female,41,35-44,middle,none,self_employed,471.79,6,none,1,311,1,commercial_bank,3558.86,guarantor,asset_purchase,1,3400.88,0.149,6,650.99,current,not_applicable,high_burden
Mozambique,2022,rural,female,18,18-24,fourth,secondary,farmer,580.23,1,none,1,0,1,microfinance,6348.09,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2023,rural,female,60,55+,middle,tertiary,self_employed,176.47,8,none,0,40,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,male,69,55+,middle,tertiary,farmer,148.58,1,none,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,male,53,45-54,middle,secondary,employed_informal,290.52,6,none,1,423,1,microfinance,2969.84,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2024,rural,female,31,25-34,middle,primary,farmer,123.0,4,none,0,376,1,family_friends,3217.97,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2019,urban,male,60,55+,middle,primary,employed_informal,905.11,9,limited,1,574,1,digital_lender,4565.84,property,asset_purchase,1,3691.54,0.463,36,150.03,current,not_applicable,high_burden
Mozambique,2024,urban,male,31,25-34,highest,primary,self_employed,1954.2,1,none,1,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,rural,male,63,55+,lowest,secondary,employed_formal,49.51,5,none,0,91,1,informal_lender,1606.42,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2025,urban,female,64,55+,fourth,secondary,unemployed,243.09,1,good,0,673,1,sacco,6294.21,none,housing,1,5914.36,0.31,18,430.48,current,not_applicable,high_burden
Nigeria,2020,urban,male,44,35-44,second,tertiary,employed_informal,94.0,10,limited,1,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,urban,female,67,55+,highest,secondary,unemployed,1485.73,6,none,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,male,31,25-34,lowest,tertiary,self_employed,75.56,8,limited,1,808,1,informal_lender,1365.8,none,consumption,1,1313.67,0.841,12,201.57,defaulted,not_applicable,high_burden
Tanzania,2019,urban,female,48,45-54,second,primary,employed_informal,63.18,2,good,1,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,male,39,35-44,fourth,secondary,unemployed,185.62,6,good,1,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,female,49,45-54,second,secondary,farmer,289.48,6,none,0,116,1,microfinance,2231.07,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2023,rural,female,30,25-34,middle,none,farmer,117.12,9,none,1,287,1,commercial_bank,4353.01,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2020,rural,female,19,18-24,highest,secondary,unemployed,114.19,1,none,0,451,1,employer,7969.14,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2019,rural,male,61,55+,middle,secondary,farmer,645.03,10,good,1,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,male,58,55+,middle,none,self_employed,220.87,9,none,0,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,urban,male,30,25-34,second,primary,employed_informal,153.95,3,good,1,624,1,sacco,1677.18,guarantor,consumption,1,1380.71,0.283,12,147.67,current,not_applicable,high_burden
Rwanda,2018,rural,female,23,18-24,second,none,farmer,308.09,6,limited,1,534,1,commercial_bank,4826.06,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2022,rural,male,21,18-24,fourth,none,farmer,254.69,6,limited,0,325,1,family_friends,2761.97,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2025,rural,female,19,18-24,fourth,none,employed_informal,795.94,9,excellent,1,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,female,68,55+,highest,secondary,farmer,402.31,2,limited,1,248,1,microfinance,6946.16,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
DRC,2025,rural,male,41,35-44,second,tertiary,self_employed,163.32,10,none,1,28,1,commercial_bank,4234.77,savings,business,1,4225.55,0.189,24,209.3,current,not_applicable,high_burden
Mali,2020,rural,female,57,55+,highest,primary,employed_formal,764.26,8,limited,0,321,1,informal_lender,4268.19,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2021,urban,male,38,35-44,highest,none,unemployed,2412.68,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,male,51,45-54,second,secondary,self_employed,253.4,7,none,0,325,1,informal_lender,7151.33,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2025,urban,male,23,18-24,second,primary,farmer,330.44,8,limited,0,170,1,informal_lender,18349.31,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2021,rural,female,57,55+,fourth,secondary,unemployed,474.86,1,good,1,557,1,informal_lender,9918.58,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2020,rural,male,65,55+,lowest,none,employed_formal,183.05,8,good,0,587,1,family_friends,2766.81,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2024,urban,male,60,55+,second,primary,unemployed,71.64,5,limited,0,800,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,male,33,25-34,middle,secondary,unemployed,323.37,4,limited,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,male,51,45-54,middle,secondary,unemployed,122.37,3,none,1,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,urban,male,29,25-34,middle,primary,self_employed,148.96,3,none,0,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,male,63,55+,highest,tertiary,employed_informal,612.78,8,limited,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,male,58,55+,middle,none,farmer,36.03,5,none,0,534,1,family_friends,2283.59,vehicle,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Uganda,2024,rural,female,59,55+,lowest,none,employed_informal,148.36,3,none,0,569,1,family_friends,3862.64,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2022,urban,female,55,45-54,highest,secondary,employed_informal,920.4,5,none,1,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,female,53,45-54,lowest,secondary,self_employed,152.17,2,limited,0,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,male,67,55+,second,tertiary,farmer,158.26,1,limited,1,654,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,male,31,25-34,middle,primary,self_employed,499.54,8,none,0,0,1,microfinance,7899.75,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2018,rural,male,22,18-24,lowest,secondary,self_employed,19.12,5,limited,0,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,urban,male,23,18-24,middle,tertiary,farmer,304.8,2,good,0,736,1,family_friends,13973.45,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2021,rural,male,18,18-24,lowest,secondary,employed_informal,16.29,5,good,0,114,1,sacco,1025.1,guarantor,business,1,992.47,0.29,12,106.7,late_30_days,not_applicable,high_burden
South Africa,2020,rural,female,29,25-34,fourth,primary,self_employed,683.47,6,good,0,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,male,31,25-34,middle,primary,employed_formal,611.12,7,limited,1,487,1,sacco,8653.97,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2020,urban,male,65,55+,highest,tertiary,employed_informal,721.42,3,none,1,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,female,56,55+,fourth,none,farmer,205.07,1,none,1,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,male,18,18-24,lowest,tertiary,farmer,113.82,10,none,0,0,1,informal_lender,2631.63,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2024,urban,female,56,55+,lowest,none,farmer,109.19,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,female,50,45-54,highest,secondary,employed_informal,917.26,9,limited,1,323,1,commercial_bank,5759.27,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2023,urban,male,22,18-24,middle,primary,employed_formal,363.98,5,none,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,rural,female,25,18-24,middle,none,farmer,291.21,6,none,0,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,male,27,25-34,second,primary,farmer,177.61,3,limited,1,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,male,50,45-54,fourth,primary,employed_formal,465.68,5,none,0,670,1,informal_lender,4630.82,savings,business,1,4076.69,0.831,24,311.1,current,not_applicable,high_burden
Tanzania,2019,urban,male,65,55+,middle,secondary,farmer,66.47,3,good,1,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,62,55+,middle,secondary,unemployed,253.13,3,none,0,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,male,49,45-54,highest,primary,farmer,425.38,9,limited,0,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,male,29,25-34,lowest,tertiary,employed_informal,94.37,10,limited,1,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,female,67,55+,highest,tertiary,farmer,352.58,9,limited,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,urban,male,48,45-54,fourth,secondary,employed_informal,193.64,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,38,35-44,lowest,tertiary,unemployed,114.65,1,limited,1,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,female,25,18-24,middle,primary,employed_informal,542.54,2,limited,0,488,1,informal_lender,3559.39,guarantor,education,1,3427.03,0.769,12,505.15,paid_off,not_applicable,high_burden
South Africa,2024,urban,female,37,35-44,fourth,none,farmer,893.23,3,limited,1,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,male,33,25-34,lowest,primary,self_employed,37.82,3,none,0,0,1,commercial_bank,1947.54,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2020,rural,male,20,18-24,highest,primary,employed_informal,586.33,9,good,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,male,32,25-34,fourth,tertiary,self_employed,235.54,10,none,0,689,1,employer,2112.55,equipment,education,1,1799.74,0.062,18,106.23,current,not_applicable,high_burden
South Africa,2020,urban,male,19,18-24,second,secondary,employed_formal,73.53,10,limited,0,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,female,67,55+,middle,none,employed_informal,101.47,7,none,0,67,1,family_friends,3064.97,savings,consumption,1,2822.54,0.039,18,162.98,current,not_applicable,high_burden
Ethiopia,2025,rural,female,66,55+,highest,secondary,unemployed,2758.28,3,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,male,48,45-54,highest,secondary,self_employed,1174.16,7,limited,1,661,1,microfinance,13170.81,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2024,urban,female,30,25-34,lowest,none,farmer,55.04,9,limited,1,748,1,family_friends,3981.09,guarantor,asset_purchase,1,3932.52,0.074,24,175.99,paid_off,not_applicable,high_burden
Ethiopia,2023,urban,female,47,45-54,second,primary,employed_formal,435.55,10,good,1,815,1,microfinance,11068.39,none,agriculture,1,9202.0,0.278,6,1959.82,current,not_applicable,high_burden
Tanzania,2023,urban,male,38,35-44,fourth,primary,self_employed,246.12,6,none,1,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,urban,male,26,25-34,second,secondary,employed_formal,115.31,10,limited,1,830,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,28,25-34,middle,secondary,employed_informal,454.78,6,none,0,472,1,family_friends,6217.14,none,education,1,5235.8,0.061,24,231.52,defaulted,not_applicable,high_burden
Niger,2022,rural,male,50,45-54,second,tertiary,self_employed,28.1,9,good,0,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,female,31,25-34,second,primary,farmer,273.81,6,none,0,665,1,commercial_bank,4577.71,none,agriculture,1,3951.33,0.177,18,258.42,current,not_applicable,high_burden
Zambia,2018,rural,female,31,25-34,second,secondary,self_employed,84.05,3,limited,0,422,1,family_friends,2395.72,equipment,consumption,1,2244.68,0.048,18,130.73,current,not_applicable,high_burden
DRC,2020,rural,male,65,55+,middle,secondary,employed_formal,276.24,10,none,1,643,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,45,35-44,second,none,employed_informal,270.85,7,none,0,214,1,digital_lender,33224.76,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2018,rural,male,54,45-54,middle,tertiary,farmer,64.02,3,limited,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,male,46,45-54,fourth,none,unemployed,191.91,1,none,0,233,1,family_friends,2349.21,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2018,urban,male,32,25-34,middle,primary,unemployed,313.97,4,limited,1,575,1,microfinance,3059.78,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2023,rural,male,37,35-44,fourth,primary,employed_informal,218.52,6,good,1,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,female,52,45-54,fourth,none,self_employed,281.62,10,excellent,1,850,1,commercial_bank,2753.07,none,housing,1,2237.02,0.148,24,107.03,current,not_applicable,high_burden
Ethiopia,2024,urban,female,32,25-34,highest,none,self_employed,2236.8,6,none,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,male,68,55+,second,primary,unemployed,240.87,4,limited,0,577,1,microfinance,2687.77,guarantor,emergency,1,2465.69,0.338,12,275.01,current,not_applicable,high_burden
Mozambique,2018,rural,male,47,45-54,second,none,farmer,385.58,4,none,1,657,1,commercial_bank,2211.13,none,consumption,1,2063.92,0.175,6,404.36,current,not_applicable,high_burden
Nigeria,2020,urban,female,38,35-44,highest,tertiary,self_employed,971.98,5,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,male,37,35-44,second,secondary,employed_informal,199.56,1,none,0,182,1,family_friends,4469.0,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2021,rural,male,35,25-34,highest,tertiary,farmer,902.78,10,none,0,195,1,family_friends,3927.77,property,business,1,3363.38,0.031,12,288.88,defaulted,not_applicable,high_burden
Malawi,2021,rural,female,58,55+,lowest,secondary,farmer,128.06,10,none,1,520,1,digital_lender,5070.82,savings,business,1,5011.44,0.45,48,151.35,current,not_applicable,high_burden
Rwanda,2024,urban,male,48,45-54,fourth,none,employed_informal,248.94,1,none,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,male,39,35-44,middle,secondary,employed_informal,532.46,8,none,1,312,1,digital_lender,8569.65,guarantor,business,1,7686.98,0.44,36,307.48,late_30_days,not_applicable,high_burden
Rwanda,2024,urban,female,65,55+,second,primary,self_employed,98.32,4,none,0,55,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,male,39,35-44,fourth,none,unemployed,179.84,1,limited,1,128,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,48,45-54,highest,primary,unemployed,1752.36,1,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,male,32,25-34,middle,secondary,farmer,246.46,3,none,1,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,female,63,55+,fourth,primary,employed_formal,613.75,7,none,0,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,male,28,25-34,fourth,secondary,self_employed,412.97,9,good,0,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,33,25-34,lowest,secondary,employed_informal,29.43,5,none,1,585,1,microfinance,1915.41,guarantor,business,1,1556.7,0.321,6,342.86,current,not_applicable,high_burden
Mali,2025,rural,female,54,45-54,second,tertiary,self_employed,132.63,4,none,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,male,45,35-44,fourth,secondary,farmer,145.54,6,excellent,1,502,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,male,33,25-34,second,none,unemployed,75.57,4,good,1,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,41,35-44,fourth,secondary,unemployed,512.52,5,limited,0,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,urban,female,52,45-54,fourth,tertiary,farmer,334.89,3,good,1,803,1,sacco,3901.93,none,business,1,3606.44,0.281,6,770.01,current,not_applicable,high_burden
Mozambique,2023,rural,male,58,55+,second,secondary,self_employed,197.01,10,none,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,female,52,45-54,middle,none,self_employed,67.33,2,limited,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,male,61,55+,second,secondary,farmer,168.28,5,none,1,152,1,commercial_bank,8538.63,none,education,1,8083.08,0.191,12,802.38,current,not_applicable,high_burden
South Africa,2023,rural,male,19,18-24,lowest,secondary,farmer,38.22,10,none,1,568,1,digital_lender,1119.25,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2023,urban,male,64,55+,lowest,primary,employed_formal,37.53,10,good,0,455,1,sacco,1642.22,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2019,rural,male,44,35-44,second,primary,employed_informal,59.25,1,good,1,668,1,informal_lender,1804.16,savings,housing,1,1565.39,0.779,12,232.02,current,not_applicable,high_burden
Nigeria,2020,rural,female,60,55+,second,primary,farmer,646.05,8,limited,0,248,1,informal_lender,19630.62,equipment,agriculture,1,19210.09,0.811,12,2899.21,current,not_applicable,high_burden
South Africa,2024,urban,male,22,18-24,middle,primary,farmer,902.67,9,limited,1,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,urban,male,21,18-24,middle,tertiary,employed_formal,264.03,10,good,1,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,23,18-24,middle,secondary,unemployed,124.96,1,none,0,158,1,microfinance,5870.07,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2020,rural,female,45,35-44,second,secondary,employed_formal,240.21,9,limited,0,376,1,microfinance,2260.12,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Niger,2025,urban,male,66,55+,middle,secondary,employed_informal,272.36,4,none,1,126,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,female,53,45-54,lowest,secondary,unemployed,29.03,6,limited,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,37,35-44,middle,primary,self_employed,1329.41,6,limited,1,272,1,commercial_bank,5095.27,none,business,1,4281.34,0.16,18,276.01,late_30_days,not_applicable,high_burden
Niger,2020,urban,female,58,55+,fourth,secondary,self_employed,408.07,6,none,1,0,1,microfinance,5424.1,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2019,rural,male,21,18-24,middle,primary,employed_formal,136.7,6,limited,1,259,1,digital_lender,1550.86,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2024,urban,female,18,18-24,lowest,tertiary,unemployed,153.04,2,good,0,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,male,69,55+,second,tertiary,self_employed,259.92,4,limited,0,323,1,family_friends,9986.78,guarantor,education,1,9398.43,0.08,18,564.07,current,not_applicable,high_burden
Kenya,2022,urban,female,66,55+,middle,primary,employed_informal,562.74,2,none,1,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,male,31,25-34,fourth,primary,farmer,144.09,2,limited,1,732,1,commercial_bank,9999.33,none,education,1,8169.34,0.185,24,403.41,late_30_days,not_applicable,high_burden
South Africa,2025,rural,male,43,35-44,lowest,primary,farmer,64.88,10,none,1,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,female,52,45-54,second,secondary,self_employed,96.64,6,limited,0,717,1,informal_lender,5082.96,none,agriculture,1,4153.27,0.847,24,319.7,current,not_applicable,high_burden
South Africa,2023,urban,female,24,18-24,second,primary,unemployed,218.1,3,good,0,325,1,family_friends,1345.51,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2022,urban,female,68,55+,lowest,secondary,employed_informal,124.43,5,none,0,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,male,57,55+,second,primary,self_employed,375.24,4,none,1,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,59,55+,second,tertiary,employed_informal,72.06,8,limited,0,327,1,microfinance,5726.14,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2021,urban,female,49,45-54,lowest,primary,employed_informal,262.14,6,good,1,291,1,microfinance,7679.27,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2024,urban,female,34,25-34,middle,secondary,farmer,1083.65,4,limited,1,802,1,family_friends,9630.22,savings,education,1,9185.19,0.037,18,529.06,late_30_days,not_applicable,high_burden
Rwanda,2024,rural,female,19,18-24,middle,tertiary,employed_informal,222.27,2,none,1,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,urban,female,40,35-44,highest,secondary,self_employed,576.65,6,limited,0,826,1,microfinance,5932.6,equipment,consumption,1,4824.42,0.366,12,549.0,current,not_applicable,high_burden
Kenya,2025,rural,female,22,18-24,highest,secondary,employed_informal,587.62,5,limited,0,378,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,urban,male,41,35-44,lowest,primary,employed_informal,69.98,9,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,female,21,18-24,middle,primary,employed_formal,128.13,4,limited,0,19,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,urban,male,30,25-34,lowest,secondary,employed_formal,122.96,10,limited,1,387,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,male,52,45-54,middle,primary,farmer,606.29,10,none,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,urban,female,67,55+,highest,primary,employed_informal,1725.56,7,good,0,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,female,63,55+,middle,tertiary,employed_informal,140.57,6,good,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,28,25-34,fourth,none,self_employed,302.49,8,none,0,435,1,informal_lender,21350.47,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2022,urban,male,43,35-44,middle,primary,farmer,199.31,1,limited,0,413,1,family_friends,2451.2,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2022,urban,female,38,35-44,second,primary,self_employed,84.0,2,limited,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,urban,male,55,45-54,second,tertiary,self_employed,104.69,4,good,1,259,1,commercial_bank,2582.31,property,education,1,2350.03,0.224,24,119.85,defaulted,not_applicable,high_burden
Niger,2020,urban,male,52,45-54,lowest,tertiary,farmer,146.86,6,limited,1,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,urban,male,52,45-54,fourth,primary,self_employed,311.21,1,limited,1,228,1,digital_lender,12134.91,property,agriculture,1,10614.02,0.461,12,1291.99,defaulted,not_applicable,high_burden
Ghana,2021,rural,female,21,18-24,second,none,self_employed,85.5,10,limited,1,714,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,37,35-44,second,primary,self_employed,285.25,4,none,0,139,1,microfinance,12539.9,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2021,rural,male,54,45-54,second,primary,self_employed,445.75,2,none,0,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,female,29,25-34,middle,primary,employed_informal,315.2,10,limited,1,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,female,62,55+,fourth,primary,farmer,434.45,4,none,0,8,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,46,45-54,middle,none,employed_formal,105.46,5,limited,1,760,1,microfinance,1512.04,savings,education,1,1373.82,0.347,18,102.77,current,not_applicable,high_burden
DRC,2025,urban,male,27,25-34,highest,primary,self_employed,393.99,1,none,0,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,urban,male,42,35-44,second,secondary,farmer,175.59,5,none,0,177,1,microfinance,5215.28,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2024,urban,male,41,35-44,fourth,tertiary,employed_formal,1451.13,10,none,1,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,male,59,55+,middle,none,self_employed,150.02,4,limited,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,male,45,35-44,middle,primary,self_employed,267.98,1,limited,1,683,1,microfinance,5658.8,none,education,1,5470.33,0.298,36,197.18,current,not_applicable,high_burden
Tanzania,2020,rural,female,19,18-24,lowest,secondary,employed_informal,91.14,5,limited,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,female,26,25-34,fourth,secondary,employed_formal,45.59,5,none,1,498,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,female,58,55+,middle,tertiary,employed_informal,271.75,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,female,56,55+,middle,tertiary,employed_informal,117.45,7,excellent,0,824,1,sacco,2908.95,savings,business,1,2365.97,0.346,18,176.97,late_60_days,not_applicable,high_burden
Malawi,2021,urban,female,66,55+,fourth,secondary,employed_informal,574.96,7,none,0,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,male,69,55+,second,primary,farmer,246.15,2,excellent,1,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,male,60,55+,lowest,none,employed_informal,140.2,5,limited,0,97,1,informal_lender,2262.37,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2024,rural,female,39,35-44,middle,tertiary,self_employed,319.46,5,none,0,41,1,commercial_bank,3903.16,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2022,urban,male,32,25-34,second,tertiary,employed_informal,161.54,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,male,51,45-54,highest,tertiary,unemployed,468.9,1,excellent,1,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,urban,female,44,35-44,lowest,none,employed_formal,86.72,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,female,25,18-24,fourth,secondary,employed_informal,134.1,1,excellent,1,485,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,female,43,35-44,highest,secondary,employed_informal,362.0,7,none,0,299,1,family_friends,2298.69,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2023,urban,male,38,35-44,middle,primary,employed_informal,318.57,3,limited,0,688,1,family_friends,5909.74,none,asset_purchase,1,5367.42,0.089,18,324.59,late_30_days,not_applicable,high_burden
Ghana,2018,urban,male,18,18-24,fourth,tertiary,employed_formal,969.14,10,limited,0,781,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,male,60,55+,lowest,primary,farmer,136.73,9,none,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,female,47,45-54,highest,tertiary,employed_formal,721.32,10,excellent,1,664,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,urban,female,36,35-44,middle,tertiary,farmer,524.96,7,none,1,637,1,commercial_bank,2825.99,none,debt_consolidation,1,2556.63,0.157,6,493.02,current,not_applicable,high_burden
DRC,2022,urban,male,54,45-54,second,tertiary,self_employed,90.13,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,female,65,55+,lowest,primary,employed_informal,39.13,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,female,65,55+,lowest,secondary,employed_informal,73.77,8,none,1,9,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,female,54,45-54,highest,secondary,employed_informal,2751.68,2,excellent,1,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,urban,male,32,25-34,lowest,primary,employed_informal,91.46,9,none,0,656,1,digital_lender,2066.09,property,agriculture,1,1747.57,0.401,48,51.01,current,not_applicable,high_burden
Mozambique,2021,rural,female,67,55+,middle,secondary,unemployed,223.09,6,good,1,848,1,commercial_bank,4534.49,none,agriculture,1,3836.51,0.202,24,192.21,late_30_days,not_applicable,high_burden
Uganda,2022,rural,male,30,25-34,middle,tertiary,self_employed,172.04,10,limited,1,806,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,male,20,18-24,second,primary,farmer,99.39,3,excellent,0,531,1,microfinance,1885.45,equipment,consumption,1,1778.31,0.347,24,99.84,paid_off,not_applicable,high_burden
Rwanda,2019,rural,female,22,18-24,second,primary,employed_formal,33.85,5,limited,1,28,1,commercial_bank,3060.05,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2023,urban,male,45,35-44,middle,secondary,farmer,80.52,8,limited,1,347,1,digital_lender,2660.04,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2022,urban,female,49,45-54,lowest,secondary,employed_formal,161.35,4,none,0,83,1,employer,3823.74,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2024,urban,male,65,55+,highest,secondary,self_employed,884.32,6,none,0,144,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,male,39,35-44,fourth,primary,self_employed,236.82,10,good,0,386,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,female,20,18-24,highest,primary,unemployed,821.95,1,none,0,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,female,37,35-44,fourth,secondary,unemployed,429.87,4,limited,0,641,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,male,36,35-44,fourth,primary,self_employed,197.08,3,limited,1,817,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,42,35-44,fourth,secondary,unemployed,384.69,5,limited,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,female,46,45-54,lowest,tertiary,unemployed,54.38,2,limited,1,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,female,58,55+,second,secondary,self_employed,179.56,3,limited,1,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,male,39,35-44,highest,secondary,unemployed,503.93,6,none,0,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,female,20,18-24,second,secondary,farmer,250.53,2,good,1,469,1,digital_lender,4602.76,savings,asset_purchase,1,4268.58,0.47,36,174.35,current,not_applicable,high_burden
Mozambique,2021,rural,female,68,55+,lowest,secondary,farmer,36.9,8,limited,1,392,1,digital_lender,3237.14,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2024,urban,female,68,55+,lowest,primary,farmer,150.05,5,none,1,126,1,informal_lender,3576.99,vehicle,housing,1,3409.85,0.801,12,511.8,current,not_applicable,high_burden
Kenya,2019,urban,female,44,35-44,lowest,tertiary,farmer,191.49,5,limited,1,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,female,48,45-54,lowest,primary,self_employed,42.87,8,none,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,45,35-44,middle,tertiary,employed_formal,107.53,7,limited,1,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,female,31,25-34,fourth,secondary,farmer,422.69,1,limited,0,756,1,sacco,2472.06,savings,agriculture,1,2468.87,0.361,12,279.92,current,not_applicable,high_burden
South Africa,2023,rural,male,20,18-24,second,tertiary,farmer,176.45,2,none,1,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,female,25,18-24,fourth,primary,self_employed,688.68,9,none,1,0,1,informal_lender,8748.83,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2022,urban,male,34,25-34,highest,secondary,farmer,2661.42,5,none,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,male,46,45-54,middle,primary,employed_informal,353.33,3,none,0,417,1,family_friends,7207.54,guarantor,emergency,1,6096.72,0.029,18,348.53,current,not_applicable,high_burden
Uganda,2023,rural,female,30,25-34,lowest,primary,employed_informal,182.97,7,good,0,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,64,55+,second,none,farmer,183.22,7,limited,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,female,45,35-44,second,tertiary,farmer,16.82,3,none,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,female,30,25-34,highest,secondary,farmer,340.96,8,limited,0,786,1,employer,7477.89,none,agriculture,1,6953.21,0.054,48,152.73,current,not_applicable,high_burden
Malawi,2024,urban,male,63,55+,fourth,secondary,self_employed,763.83,7,excellent,0,850,1,informal_lender,9199.33,savings,agriculture,1,7991.25,0.772,24,590.13,late_30_days,not_applicable,high_burden
Kenya,2024,urban,female,47,45-54,lowest,tertiary,farmer,160.21,4,none,0,396,1,family_friends,3553.69,equipment,education,1,2933.71,0.085,18,176.83,current,not_applicable,high_burden
Ghana,2025,urban,female,41,35-44,fourth,primary,unemployed,732.91,4,good,0,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,female,47,45-54,lowest,secondary,employed_informal,110.24,4,none,1,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,female,36,35-44,lowest,secondary,employed_formal,31.21,10,limited,1,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,female,61,55+,middle,secondary,employed_informal,126.7,1,limited,0,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,female,59,55+,middle,secondary,self_employed,645.81,8,limited,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,male,29,25-34,lowest,primary,employed_informal,268.58,1,limited,1,467,1,commercial_bank,3474.6,savings,business,1,3242.36,0.194,6,645.44,paid_off,not_applicable,high_burden
Ethiopia,2022,rural,female,67,55+,lowest,primary,self_employed,29.22,8,good,1,835,1,family_friends,2166.55,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2022,rural,female,64,55+,lowest,primary,farmer,49.48,3,limited,0,347,1,informal_lender,1006.65,savings,agriculture,1,851.43,0.793,12,127.24,current,not_applicable,high_burden
Uganda,2021,rural,male,53,45-54,highest,secondary,self_employed,152.93,7,limited,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,male,24,18-24,fourth,none,farmer,445.38,4,limited,1,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,female,63,55+,second,tertiary,employed_informal,87.74,10,none,0,0,1,digital_lender,5276.69,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2022,rural,female,51,45-54,highest,primary,employed_informal,2391.76,9,excellent,0,810,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,urban,female,41,35-44,middle,tertiary,self_employed,872.21,10,good,0,711,1,commercial_bank,1966.56,none,emergency,1,1804.42,0.218,36,61.05,current,not_applicable,high_burden
South Africa,2019,rural,female,38,35-44,lowest,primary,self_employed,111.97,6,none,1,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,male,27,25-34,highest,none,self_employed,697.73,6,none,0,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,urban,female,22,18-24,middle,none,employed_informal,200.19,5,none,1,275,1,digital_lender,4509.29,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2024,urban,male,29,25-34,highest,primary,employed_informal,824.27,1,limited,0,549,1,family_friends,6517.35,property,consumption,1,5933.2,0.046,36,172.46,late_30_days,not_applicable,high_burden
Nigeria,2024,rural,male,50,45-54,fourth,primary,employed_informal,157.51,8,limited,0,31,1,informal_lender,7662.21,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2022,urban,male,31,25-34,fourth,secondary,self_employed,1589.06,7,excellent,1,850,1,family_friends,7047.58,none,agriculture,1,6426.13,0.031,24,276.06,late_30_days,not_applicable,high_burden
Mozambique,2019,urban,female,23,18-24,highest,none,farmer,3278.4,1,none,0,31,1,informal_lender,10109.86,guarantor,agriculture,1,8766.33,0.838,18,895.25,defaulted,not_applicable,high_burden
Nigeria,2024,rural,male,67,55+,highest,primary,farmer,1161.32,5,limited,1,161,1,microfinance,2741.53,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2022,rural,female,43,35-44,lowest,secondary,employed_formal,36.75,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,male,39,35-44,second,primary,employed_formal,205.8,6,limited,1,56,1,informal_lender,3312.88,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2025,urban,male,22,18-24,fourth,secondary,self_employed,305.57,9,limited,1,214,1,digital_lender,6230.04,guarantor,business,1,5330.78,0.419,12,630.49,current,not_applicable,high_burden
Tanzania,2022,rural,male,46,45-54,middle,secondary,self_employed,243.07,2,none,0,222,1,family_friends,6317.43,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2021,urban,male,66,55+,fourth,primary,self_employed,279.25,1,excellent,1,399,1,commercial_bank,9223.81,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2021,urban,male,48,45-54,fourth,secondary,self_employed,1031.2,5,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,54,45-54,highest,tertiary,unemployed,388.23,1,good,1,807,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,male,62,55+,lowest,secondary,self_employed,29.14,3,limited,1,278,1,digital_lender,1430.32,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2020,rural,female,21,18-24,second,secondary,employed_informal,232.11,6,none,0,0,1,sacco,2038.22,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2024,urban,male,27,25-34,second,none,unemployed,114.36,1,none,1,20,1,commercial_bank,3593.28,equipment,agriculture,1,3238.74,0.148,18,206.57,defaulted,not_applicable,high_burden
Rwanda,2025,rural,female,45,35-44,lowest,primary,employed_formal,28.43,8,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,female,56,55+,fourth,none,farmer,237.02,6,none,1,0,1,family_friends,18066.8,guarantor,asset_purchase,1,16166.4,0.004,12,1353.26,current,not_applicable,high_burden
Kenya,2024,urban,male,50,45-54,second,none,employed_informal,205.31,2,none,0,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,68,55+,middle,tertiary,farmer,77.16,7,excellent,0,471,1,sacco,2344.91,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2021,rural,female,22,18-24,highest,secondary,self_employed,307.69,10,none,0,100,1,family_friends,2514.01,savings,business,1,2041.47,0.039,18,117.85,current,not_applicable,high_burden
Zambia,2024,urban,female,23,18-24,second,none,unemployed,153.34,5,limited,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,female,56,55+,lowest,none,self_employed,68.99,10,limited,0,627,1,employer,1802.55,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2020,rural,male,31,25-34,lowest,secondary,self_employed,58.65,4,none,1,644,1,informal_lender,865.22,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2021,rural,female,36,35-44,lowest,secondary,self_employed,132.05,4,limited,0,61,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,male,25,18-24,middle,primary,employed_informal,339.23,6,limited,0,375,1,informal_lender,5260.48,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2019,rural,male,56,55+,second,secondary,farmer,81.81,5,none,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,36,35-44,middle,none,self_employed,85.42,4,limited,0,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,female,46,45-54,lowest,secondary,unemployed,48.3,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,19,18-24,highest,secondary,employed_informal,215.26,5,limited,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,24,18-24,second,secondary,employed_informal,75.09,9,good,0,287,1,microfinance,1863.65,vehicle,education,1,1636.26,0.285,12,175.23,current,not_applicable,high_burden
Nigeria,2018,urban,male,47,45-54,fourth,none,self_employed,1903.98,5,excellent,1,529,1,informal_lender,23233.47,guarantor,housing,1,19191.04,0.842,6,5891.09,current,not_applicable,high_burden
DRC,2018,urban,female,49,45-54,second,primary,employed_informal,72.02,3,limited,0,53,1,family_friends,4113.53,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2018,rural,female,64,55+,highest,secondary,farmer,697.87,5,none,0,475,1,informal_lender,10801.32,property,emergency,1,10066.04,0.837,48,385.31,current,not_applicable,high_burden
Mali,2023,rural,male,68,55+,lowest,primary,farmer,103.55,7,none,0,569,1,digital_lender,6215.2,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2024,urban,male,37,35-44,lowest,primary,self_employed,37.48,9,none,0,221,1,informal_lender,2509.05,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2023,urban,male,44,35-44,highest,tertiary,farmer,519.53,9,excellent,0,606,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,male,41,35-44,middle,tertiary,self_employed,365.07,10,limited,0,831,1,informal_lender,13707.43,property,consumption,1,12288.08,0.846,36,629.97,current,not_applicable,high_burden
Tanzania,2022,rural,male,66,55+,highest,primary,self_employed,277.87,7,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,female,35,25-34,lowest,none,farmer,130.0,9,limited,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,male,21,18-24,second,none,farmer,618.44,1,limited,0,491,1,digital_lender,9775.33,property,business,1,9221.37,0.421,12,1092.0,current,not_applicable,high_burden
Mali,2020,urban,female,47,45-54,middle,secondary,self_employed,274.71,9,good,1,821,1,family_friends,3065.84,none,agriculture,1,2917.12,0.046,12,254.35,current,not_applicable,high_burden
Mali,2022,urban,male,25,18-24,lowest,tertiary,self_employed,861.7,1,excellent,1,372,1,microfinance,10268.92,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2022,urban,male,44,35-44,middle,primary,employed_formal,477.25,6,limited,1,733,1,commercial_bank,2705.47,guarantor,business,1,2519.81,0.167,24,122.53,current,not_applicable,high_burden
Mali,2023,rural,male,26,25-34,second,secondary,employed_informal,320.4,3,excellent,1,358,1,sacco,4572.36,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2025,rural,female,42,35-44,lowest,secondary,employed_informal,49.26,5,limited,1,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,25,18-24,middle,tertiary,farmer,354.56,3,good,1,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,female,64,55+,second,secondary,self_employed,76.3,5,none,0,0,1,family_friends,3972.18,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2021,rural,female,35,25-34,fourth,primary,self_employed,682.25,5,good,0,124,1,family_friends,4097.91,savings,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2024,urban,female,46,45-54,fourth,primary,employed_informal,406.77,1,good,0,657,1,employer,4894.99,guarantor,consumption,1,4080.48,0.05,24,178.48,current,not_applicable,high_burden
DRC,2024,rural,female,30,25-34,fourth,primary,self_employed,166.61,9,limited,1,390,1,commercial_bank,3571.77,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2018,rural,female,24,18-24,lowest,primary,employed_formal,194.44,5,none,0,0,1,informal_lender,3949.43,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2022,rural,female,23,18-24,middle,secondary,self_employed,370.19,1,limited,1,158,1,commercial_bank,3533.7,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ethiopia,2020,rural,female,22,18-24,second,primary,employed_informal,168.31,10,none,0,602,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,rural,male,30,25-34,highest,secondary,employed_informal,1039.41,9,none,1,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,male,57,55+,middle,secondary,farmer,180.27,9,good,0,462,1,family_friends,12547.51,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2024,rural,female,54,45-54,second,secondary,self_employed,214.14,3,none,1,165,1,microfinance,3687.58,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2025,rural,male,39,35-44,fourth,secondary,farmer,347.07,2,good,0,84,1,informal_lender,3035.12,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2023,rural,female,51,45-54,fourth,secondary,self_employed,163.04,9,none,1,324,1,commercial_bank,4527.82,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2025,rural,female,35,25-34,fourth,none,unemployed,381.5,1,good,1,225,1,microfinance,3140.7,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Kenya,2019,rural,female,34,25-34,lowest,none,self_employed,53.59,3,excellent,1,542,1,commercial_bank,1847.94,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2020,rural,female,43,35-44,fourth,primary,unemployed,323.77,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,23,18-24,highest,tertiary,unemployed,519.62,1,limited,0,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,urban,male,25,18-24,second,tertiary,self_employed,389.66,10,none,1,712,1,informal_lender,8511.99,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2018,urban,female,18,18-24,lowest,primary,unemployed,132.94,4,none,1,101,1,informal_lender,3466.33,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2018,rural,male,37,35-44,second,primary,farmer,470.63,2,none,0,607,1,family_friends,6778.23,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2021,rural,female,53,45-54,middle,secondary,self_employed,176.6,5,none,0,686,1,family_friends,6135.31,guarantor,housing,1,5072.96,0.025,18,288.91,defaulted,not_applicable,high_burden
Ghana,2023,rural,female,60,55+,highest,primary,farmer,642.66,5,limited,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,urban,female,66,55+,middle,primary,self_employed,800.15,7,none,1,234,1,informal_lender,13811.52,none,housing,1,11591.41,0.849,12,1785.66,current,not_applicable,high_burden
Zambia,2023,rural,male,41,35-44,highest,tertiary,self_employed,367.05,3,limited,0,766,1,informal_lender,3654.41,none,agriculture,1,2926.29,0.805,24,220.07,late_30_days,not_applicable,high_burden
Mali,2022,urban,male,25,18-24,middle,none,employed_formal,369.21,4,none,0,423,1,digital_lender,2249.92,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Malawi,2019,rural,male,66,55+,highest,none,farmer,1132.6,3,excellent,1,267,1,microfinance,3848.4,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2023,urban,female,38,35-44,lowest,none,self_employed,144.68,2,good,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,female,45,35-44,second,none,self_employed,145.92,8,limited,0,298,1,commercial_bank,5065.41,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2025,urban,male,60,55+,second,none,self_employed,369.99,9,none,0,271,1,microfinance,3027.8,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2023,rural,male,48,45-54,lowest,primary,farmer,34.03,9,none,0,177,1,family_friends,2563.15,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2022,rural,female,26,25-34,middle,primary,self_employed,452.85,3,good,1,850,1,commercial_bank,8423.71,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2018,rural,male,32,25-34,fourth,none,farmer,414.52,1,none,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,female,69,55+,middle,none,farmer,254.92,8,none,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,male,67,55+,second,secondary,employed_formal,131.18,7,good,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,male,47,45-54,second,secondary,employed_informal,92.0,8,excellent,0,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,male,24,18-24,middle,primary,employed_formal,494.09,7,limited,0,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,60,55+,middle,primary,unemployed,459.2,5,good,1,365,1,digital_lender,4831.68,savings,asset_purchase,1,4524.61,0.447,6,1091.48,current,not_applicable,high_burden
Nigeria,2021,rural,female,34,25-34,highest,secondary,farmer,2814.68,5,none,1,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,female,21,18-24,middle,tertiary,farmer,432.72,5,none,0,303,1,informal_lender,8201.79,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2022,rural,female,64,55+,fourth,none,self_employed,410.01,9,none,1,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,male,40,35-44,middle,tertiary,employed_formal,535.2,6,limited,0,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,male,65,55+,highest,secondary,farmer,865.62,1,good,1,622,1,commercial_bank,3378.73,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2025,rural,female,19,18-24,second,tertiary,employed_formal,845.6,10,none,1,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,female,24,18-24,second,primary,employed_formal,109.68,8,limited,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,female,30,25-34,lowest,secondary,self_employed,26.44,8,none,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,male,39,35-44,middle,none,unemployed,1250.49,1,none,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,45,35-44,middle,none,employed_formal,84.4,10,none,0,744,1,informal_lender,1040.67,none,asset_purchase,1,977.62,0.826,12,148.78,current,not_applicable,high_burden
Zambia,2019,rural,male,62,55+,fourth,secondary,employed_informal,206.97,5,limited,1,128,1,family_friends,1628.16,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mozambique,2020,rural,female,62,55+,second,primary,self_employed,48.26,8,none,1,74,1,commercial_bank,1869.74,none,housing,1,1733.91,0.207,18,116.25,defaulted,not_applicable,high_burden
Ethiopia,2018,urban,male,42,35-44,lowest,secondary,unemployed,71.78,1,limited,0,510,1,microfinance,3319.38,property,agriculture,1,2706.26,0.359,48,76.65,defaulted,not_applicable,high_burden
Rwanda,2020,urban,female,40,35-44,middle,primary,employed_informal,79.03,9,good,1,747,1,family_friends,3258.43,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2022,urban,female,19,18-24,lowest,secondary,self_employed,72.01,3,none,0,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,male,63,55+,middle,none,self_employed,260.82,9,good,1,573,1,commercial_bank,4762.43,none,emergency,1,4274.56,0.146,6,816.43,current,not_applicable,high_burden
South Africa,2022,urban,female,35,25-34,fourth,tertiary,farmer,93.0,9,good,1,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,male,33,25-34,fourth,secondary,self_employed,1463.19,9,good,0,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,male,28,25-34,highest,tertiary,self_employed,162.79,4,good,1,744,1,microfinance,5001.05,savings,consumption,1,4455.18,0.368,24,253.92,paid_off,not_applicable,high_burden
South Africa,2025,rural,male,33,25-34,highest,secondary,farmer,1422.54,3,none,0,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,urban,male,65,55+,lowest,secondary,unemployed,68.45,1,limited,1,380,1,employer,2113.19,guarantor,business,1,2088.27,0.036,12,180.25,paid_off,not_applicable,high_burden
Zambia,2023,urban,male,66,55+,second,primary,self_employed,71.95,9,excellent,0,546,1,microfinance,2860.96,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2018,urban,female,37,35-44,second,secondary,employed_informal,95.17,9,none,0,613,1,informal_lender,3080.53,none,agriculture,1,2953.12,0.757,6,864.96,current,not_applicable,high_burden
Kenya,2021,rural,male,67,55+,lowest,secondary,farmer,111.65,3,none,0,406,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,57,55+,fourth,secondary,employed_informal,599.98,3,none,1,683,1,informal_lender,17059.61,guarantor,education,1,15507.23,0.816,12,2346.58,current,not_applicable,high_burden
Zambia,2021,urban,female,56,55+,lowest,tertiary,farmer,201.43,5,excellent,0,419,1,informal_lender,1260.02,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2022,rural,male,38,35-44,middle,primary,employed_formal,121.0,10,none,0,316,1,digital_lender,3510.83,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2023,rural,male,65,55+,second,secondary,employed_informal,94.04,1,excellent,0,529,1,sacco,3308.13,guarantor,consumption,1,2843.62,0.323,24,156.79,current,not_applicable,high_burden
Mali,2019,rural,male,33,25-34,fourth,tertiary,farmer,631.4,3,limited,1,839,1,sacco,15291.96,guarantor,consumption,1,13957.85,0.353,12,1573.54,late_30_days,not_applicable,high_burden
Mozambique,2025,rural,male,42,35-44,fourth,secondary,self_employed,86.61,8,limited,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,female,60,55+,second,tertiary,self_employed,169.82,7,limited,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,female,36,35-44,fourth,primary,self_employed,720.36,1,none,0,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,37,35-44,highest,tertiary,employed_formal,1580.86,10,excellent,0,390,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,male,31,25-34,second,tertiary,employed_formal,102.62,10,limited,0,195,1,sacco,1970.23,vehicle,housing,1,1583.45,0.312,48,43.29,current,not_applicable,high_burden
Mozambique,2022,rural,male,67,55+,lowest,secondary,employed_informal,47.28,2,none,1,0,1,microfinance,1792.07,property,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2023,urban,female,21,18-24,middle,tertiary,self_employed,362.76,7,none,1,657,1,informal_lender,3852.67,none,business,1,3293.49,0.751,12,480.62,current,not_applicable,high_burden
Niger,2019,rural,male,47,45-54,middle,secondary,self_employed,448.26,9,none,0,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,male,40,35-44,middle,none,self_employed,141.65,9,none,1,23,1,sacco,3725.85,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2023,urban,male,53,45-54,lowest,secondary,farmer,77.78,2,none,1,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,male,22,18-24,middle,secondary,farmer,70.47,3,good,0,626,1,family_friends,1973.1,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2025,rural,male,64,55+,highest,none,self_employed,1246.06,8,none,1,589,1,commercial_bank,6364.67,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2023,urban,male,43,35-44,middle,none,farmer,51.3,7,limited,0,697,1,microfinance,1189.8,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2024,rural,male,43,35-44,fourth,primary,farmer,291.45,7,limited,0,15,1,sacco,4687.38,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2020,urban,female,58,55+,middle,tertiary,self_employed,76.52,4,none,1,386,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,rural,male,30,25-34,fourth,primary,self_employed,288.9,7,limited,0,240,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,female,48,45-54,lowest,primary,farmer,22.36,1,none,1,317,1,microfinance,789.1,vehicle,education,1,638.57,0.342,36,23.81,current,not_applicable,high_burden
South Africa,2018,rural,female,54,45-54,highest,secondary,employed_formal,302.67,10,good,0,850,1,informal_lender,4813.17,none,education,1,4402.3,0.828,12,670.74,late_30_days,not_applicable,high_burden
South Africa,2022,rural,female,55,45-54,middle,secondary,farmer,203.42,1,excellent,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,female,25,18-24,fourth,tertiary,employed_informal,137.86,3,limited,1,703,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,urban,male,48,45-54,lowest,tertiary,farmer,70.4,7,limited,0,11,1,informal_lender,2316.25,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2020,rural,male,41,35-44,middle,primary,farmer,333.83,6,good,0,662,1,digital_lender,14934.04,guarantor,consumption,1,13113.84,0.434,12,1567.14,paid_off,not_applicable,high_burden
Mali,2023,rural,female,50,45-54,second,primary,employed_informal,71.35,3,limited,0,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,male,23,18-24,middle,primary,self_employed,166.11,10,limited,1,312,1,commercial_bank,4203.47,property,education,1,3943.02,0.227,18,268.78,current,not_applicable,high_burden
Uganda,2024,urban,female,48,45-54,second,none,employed_informal,516.81,8,none,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,male,19,18-24,lowest,primary,unemployed,114.82,5,none,0,46,1,informal_lender,4561.62,none,agriculture,1,3717.31,0.792,12,555.1,defaulted,not_applicable,high_burden
Zambia,2022,urban,female,43,35-44,fourth,secondary,farmer,1577.39,1,limited,0,237,1,digital_lender,14589.38,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2025,rural,female,56,55+,fourth,primary,self_employed,320.73,5,none,0,740,1,microfinance,2990.11,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2022,rural,female,49,45-54,second,primary,farmer,201.05,6,excellent,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,rural,female,63,55+,highest,none,farmer,697.91,4,none,1,483,1,digital_lender,3812.41,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2018,rural,female,48,45-54,lowest,primary,self_employed,39.78,6,excellent,0,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,female,46,45-54,fourth,secondary,employed_informal,742.05,5,none,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,male,27,25-34,lowest,primary,farmer,64.94,7,none,1,524,1,commercial_bank,2292.92,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2025,urban,male,21,18-24,middle,none,self_employed,547.1,8,none,1,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,male,58,55+,lowest,tertiary,self_employed,60.0,9,limited,1,664,1,sacco,6357.75,savings,housing,1,5265.57,0.336,18,390.69,current,not_applicable,high_burden
Rwanda,2025,rural,female,31,25-34,middle,none,employed_informal,81.65,1,limited,0,458,1,commercial_bank,2673.74,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2022,urban,female,57,55+,fourth,secondary,self_employed,1231.01,3,none,0,0,1,employer,3255.9,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2019,urban,female,66,55+,lowest,secondary,employed_formal,55.01,4,none,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,42,35-44,second,secondary,employed_informal,169.18,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,42,35-44,middle,primary,farmer,235.38,10,none,1,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,50,45-54,middle,tertiary,self_employed,109.18,7,none,0,432,1,employer,7698.25,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2025,rural,female,39,35-44,lowest,none,employed_informal,129.46,10,good,1,128,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,urban,female,68,55+,second,tertiary,farmer,271.8,7,limited,0,755,1,microfinance,4810.27,guarantor,emergency,1,4436.74,0.291,12,477.26,defaulted,not_applicable,high_burden
DRC,2018,rural,female,53,45-54,highest,secondary,unemployed,668.25,4,limited,1,102,1,commercial_bank,4177.16,guarantor,agriculture,1,3793.27,0.208,12,381.79,late_30_days,not_applicable,high_burden
Kenya,2024,urban,male,59,55+,lowest,primary,employed_informal,51.65,3,limited,0,189,1,family_friends,2888.59,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2021,rural,male,34,25-34,fourth,tertiary,self_employed,227.27,5,good,0,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,male,52,45-54,highest,secondary,self_employed,382.39,4,limited,1,646,1,commercial_bank,1608.6,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2019,rural,male,40,35-44,lowest,none,self_employed,46.0,2,good,1,379,1,family_friends,870.35,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2021,urban,female,57,55+,middle,primary,unemployed,173.9,1,none,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,female,63,55+,lowest,primary,employed_informal,96.1,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,female,53,45-54,lowest,secondary,employed_formal,64.71,9,none,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,female,44,35-44,lowest,none,self_employed,176.67,6,none,0,580,1,sacco,4499.75,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2018,rural,male,45,35-44,highest,primary,employed_formal,255.53,10,none,1,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,male,31,25-34,middle,primary,self_employed,218.21,10,limited,1,67,1,digital_lender,5667.02,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2020,rural,female,54,45-54,lowest,tertiary,unemployed,110.21,1,limited,1,798,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,male,21,18-24,highest,primary,self_employed,273.15,9,limited,0,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,male,40,35-44,middle,primary,self_employed,544.85,5,limited,1,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,male,31,25-34,lowest,primary,farmer,231.14,4,limited,0,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,male,27,25-34,second,primary,self_employed,58.27,4,none,0,0,1,family_friends,8531.44,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2020,urban,female,19,18-24,lowest,none,farmer,121.24,8,good,1,750,1,commercial_bank,2297.37,savings,agriculture,1,1953.7,0.142,18,123.94,current,not_applicable,high_burden
DRC,2020,urban,male,37,35-44,middle,primary,self_employed,176.18,10,none,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,female,41,35-44,middle,none,farmer,436.93,4,none,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,urban,female,59,55+,middle,primary,employed_formal,221.14,9,good,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,female,60,55+,lowest,tertiary,employed_informal,185.25,1,none,1,213,1,commercial_bank,1768.77,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2023,rural,male,22,18-24,fourth,primary,self_employed,358.15,5,none,0,302,1,family_friends,6792.34,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2025,urban,female,63,55+,lowest,secondary,self_employed,25.63,7,good,1,262,1,commercial_bank,945.87,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2021,rural,male,62,55+,fourth,secondary,self_employed,430.45,3,none,1,89,1,commercial_bank,17259.05,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2024,rural,male,58,55+,lowest,primary,farmer,28.25,4,good,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,male,69,55+,lowest,primary,farmer,47.77,8,limited,0,5,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,male,52,45-54,middle,none,employed_formal,84.31,4,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,female,44,35-44,middle,secondary,employed_formal,422.47,9,none,1,388,1,sacco,15266.81,none,agriculture,1,12847.31,0.309,24,700.64,current,not_applicable,high_burden
South Africa,2018,urban,female,26,25-34,highest,none,employed_formal,748.88,10,excellent,0,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,57,55+,lowest,none,self_employed,79.39,9,limited,1,252,1,commercial_bank,1702.79,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2019,urban,female,43,35-44,fourth,secondary,unemployed,274.04,1,good,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,female,66,55+,lowest,primary,employed_informal,39.13,7,none,1,32,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,25,18-24,middle,tertiary,farmer,196.6,6,good,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,female,61,55+,fourth,none,self_employed,672.52,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,58,55+,lowest,primary,self_employed,95.31,5,good,0,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,female,24,18-24,lowest,primary,employed_informal,235.62,2,none,1,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,female,49,45-54,lowest,primary,self_employed,108.06,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,female,66,55+,fourth,none,employed_formal,263.1,8,excellent,0,774,1,microfinance,826.47,none,agriculture,1,726.52,0.315,6,159.27,late_30_days,not_applicable,high_burden
South Africa,2023,rural,female,48,45-54,lowest,secondary,employed_informal,109.79,9,none,1,632,1,commercial_bank,7891.23,savings,business,1,6846.07,0.154,12,658.63,late_30_days,not_applicable,high_burden
Mozambique,2025,rural,male,28,25-34,second,primary,farmer,1083.16,3,none,0,50,1,family_friends,19945.7,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2019,rural,female,26,25-34,second,secondary,employed_formal,56.85,10,limited,0,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,male,50,45-54,second,secondary,farmer,43.1,4,limited,0,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,male,25,18-24,second,primary,farmer,137.49,2,none,1,738,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,female,32,25-34,second,primary,employed_informal,136.58,2,none,0,43,1,microfinance,2965.18,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2021,urban,male,46,45-54,middle,tertiary,employed_informal,651.62,8,none,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,male,57,55+,lowest,none,self_employed,55.84,7,none,1,187,1,digital_lender,2624.51,none,housing,1,2242.59,0.412,18,175.93,late_30_days,not_applicable,high_burden
Ghana,2024,rural,female,34,25-34,second,tertiary,employed_formal,70.74,10,none,1,75,1,employer,4314.16,savings,housing,1,4163.23,0.099,6,762.83,current,not_applicable,high_burden
Mali,2018,rural,female,42,35-44,second,primary,self_employed,72.25,8,none,1,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,female,55,45-54,lowest,tertiary,unemployed,32.92,6,good,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,female,65,55+,highest,primary,employed_formal,424.97,9,none,1,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,female,67,55+,fourth,primary,self_employed,189.28,9,limited,0,282,1,sacco,5235.01,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2024,rural,female,23,18-24,fourth,secondary,farmer,531.95,9,none,1,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,female,52,45-54,middle,tertiary,employed_formal,210.54,8,limited,0,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,female,38,35-44,second,primary,self_employed,301.22,2,none,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,male,68,55+,second,none,farmer,244.19,9,none,1,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,69,55+,second,primary,unemployed,127.83,3,none,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,urban,male,34,25-34,middle,primary,farmer,185.73,4,good,0,447,1,informal_lender,3959.49,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2021,rural,male,54,45-54,second,primary,self_employed,586.79,5,none,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,36,35-44,middle,secondary,self_employed,433.23,2,none,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,urban,male,20,18-24,middle,primary,employed_informal,459.08,9,none,0,662,1,family_friends,4783.71,none,business,1,4072.08,0.062,18,240.34,current,not_applicable,high_burden
Tanzania,2022,urban,female,43,35-44,highest,none,employed_informal,3484.26,10,limited,0,644,1,digital_lender,9535.05,guarantor,consumption,1,9256.19,0.467,36,377.25,current,not_applicable,high_burden
South Africa,2021,rural,female,24,18-24,lowest,none,self_employed,100.59,7,limited,1,3,1,informal_lender,5664.92,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2023,urban,female,36,35-44,second,secondary,employed_formal,124.71,7,none,0,619,1,family_friends,5948.34,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2025,rural,male,34,25-34,highest,primary,self_employed,2327.81,1,good,0,479,1,microfinance,26405.78,savings,business,1,25698.36,0.317,18,1879.61,current,not_applicable,high_burden
Mozambique,2024,rural,female,35,25-34,middle,none,unemployed,424.76,6,limited,0,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,male,43,35-44,middle,primary,self_employed,200.73,7,none,0,429,1,family_friends,7138.93,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2018,rural,male,28,25-34,lowest,none,self_employed,32.94,7,good,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,male,64,55+,second,none,employed_informal,189.67,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,urban,male,61,55+,middle,tertiary,employed_formal,67.56,10,good,0,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,male,32,25-34,second,secondary,self_employed,220.47,4,limited,1,187,1,sacco,13637.8,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2019,urban,female,47,45-54,second,primary,self_employed,412.61,5,limited,1,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,male,65,55+,lowest,primary,self_employed,329.52,7,none,1,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,male,57,55+,lowest,primary,self_employed,72.37,1,none,0,508,1,informal_lender,3292.87,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2023,urban,female,47,45-54,second,tertiary,farmer,210.82,6,limited,1,563,1,microfinance,1708.04,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2023,urban,male,49,45-54,fourth,primary,self_employed,477.97,2,limited,0,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,female,62,55+,lowest,primary,self_employed,240.82,9,good,1,850,1,sacco,5864.75,property,emergency,1,5165.07,0.34,24,288.39,current,not_applicable,high_burden
Tanzania,2023,urban,female,62,55+,second,primary,farmer,52.93,10,none,1,414,1,commercial_bank,4239.17,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2023,rural,male,29,25-34,second,tertiary,farmer,727.74,7,limited,0,583,1,microfinance,5427.92,guarantor,housing,1,5001.44,0.341,24,279.39,paid_off,not_applicable,high_burden
Ghana,2023,rural,female,50,45-54,second,primary,farmer,72.34,1,good,1,659,1,commercial_bank,2336.84,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2024,urban,female,62,55+,middle,secondary,employed_informal,560.41,6,excellent,1,784,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,female,38,35-44,middle,tertiary,farmer,97.24,4,limited,0,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,urban,male,21,18-24,highest,secondary,employed_formal,1864.32,6,none,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,male,28,25-34,highest,tertiary,self_employed,1243.92,4,none,0,268,1,family_friends,3704.14,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2024,rural,female,58,55+,second,secondary,self_employed,278.87,10,none,1,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,male,69,55+,lowest,secondary,employed_formal,179.28,4,limited,1,554,1,family_friends,6440.65,property,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2022,rural,male,24,18-24,second,none,employed_formal,42.23,8,none,0,344,1,microfinance,2278.65,savings,education,1,1940.29,0.311,12,212.03,current,not_applicable,high_burden
Niger,2020,rural,male,66,55+,lowest,secondary,employed_informal,32.99,7,limited,1,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,male,45,35-44,lowest,primary,self_employed,171.43,2,good,0,453,1,microfinance,5839.65,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2019,urban,male,42,35-44,highest,tertiary,employed_informal,723.94,2,limited,1,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,38,35-44,middle,primary,employed_formal,268.17,10,none,0,169,1,informal_lender,1644.67,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2019,rural,female,29,25-34,fourth,primary,farmer,854.04,1,good,0,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,female,40,35-44,fourth,secondary,unemployed,309.22,1,limited,0,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,female,36,35-44,highest,primary,farmer,620.61,10,good,0,552,1,informal_lender,4430.95,property,housing,1,4362.32,0.76,24,319.85,defaulted,not_applicable,high_burden
Rwanda,2024,urban,female,20,18-24,lowest,primary,employed_informal,427.12,10,limited,0,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,urban,female,19,18-24,lowest,primary,farmer,52.1,9,limited,1,806,1,commercial_bank,1150.0,none,emergency,1,1148.61,0.161,18,74.1,current,not_applicable,high_burden
Mozambique,2019,urban,female,56,55+,second,none,unemployed,84.68,1,good,0,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,rural,male,68,55+,highest,primary,unemployed,516.33,1,good,1,850,1,commercial_bank,5556.0,savings,housing,1,4553.58,0.219,6,925.36,current,not_applicable,high_burden
Mali,2022,urban,female,45,35-44,middle,none,employed_informal,150.97,5,none,1,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,female,64,55+,fourth,secondary,self_employed,432.49,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,female,23,18-24,lowest,none,farmer,89.2,2,good,0,400,1,digital_lender,2032.27,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2024,rural,male,42,35-44,lowest,secondary,employed_formal,63.18,6,none,0,0,1,sacco,1822.42,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2021,rural,female,36,35-44,lowest,secondary,employed_formal,151.82,8,none,1,723,1,microfinance,2011.95,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2023,urban,male,31,25-34,middle,tertiary,employed_informal,229.87,5,none,0,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,rural,male,37,35-44,highest,primary,employed_formal,454.76,7,none,0,504,1,sacco,6302.25,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2023,urban,male,31,25-34,highest,primary,unemployed,1639.17,1,none,0,639,1,sacco,5391.07,none,emergency,1,5305.36,0.325,12,585.93,current,not_applicable,high_burden
Ethiopia,2020,rural,male,28,25-34,lowest,primary,employed_formal,69.75,10,none,0,493,1,informal_lender,3590.74,none,education,1,3299.32,0.784,12,490.55,late_60_days,not_applicable,high_burden
Uganda,2019,urban,female,39,35-44,second,secondary,farmer,334.63,10,none,0,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,28,25-34,second,none,employed_formal,112.26,10,good,0,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,female,36,35-44,lowest,secondary,employed_informal,78.48,6,limited,0,52,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,male,40,35-44,second,none,employed_informal,126.2,10,none,0,0,1,commercial_bank,6100.45,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2022,urban,male,47,45-54,highest,primary,farmer,2293.62,9,none,1,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,male,53,45-54,lowest,tertiary,unemployed,59.02,2,limited,1,761,1,commercial_bank,3656.81,none,housing,1,3140.94,0.194,12,312.52,paid_off,not_applicable,high_burden
Tanzania,2024,urban,male,48,45-54,middle,secondary,employed_informal,328.41,10,good,1,689,1,digital_lender,10678.44,savings,business,1,9940.46,0.457,24,603.57,late_30_days,not_applicable,high_burden
South Africa,2023,rural,female,51,45-54,lowest,none,employed_informal,45.01,2,none,1,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,male,55,45-54,lowest,primary,employed_informal,93.45,10,good,1,169,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,male,30,25-34,highest,primary,self_employed,1845.61,10,none,0,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,male,60,55+,fourth,tertiary,farmer,279.23,5,none,0,0,1,digital_lender,858.91,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2019,urban,female,36,35-44,highest,primary,employed_informal,1428.97,2,excellent,0,284,1,informal_lender,8550.74,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2024,urban,female,66,55+,second,tertiary,farmer,173.48,7,good,1,147,1,microfinance,8123.1,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2024,urban,female,68,55+,second,secondary,unemployed,326.99,4,good,0,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,male,19,18-24,fourth,secondary,unemployed,400.69,6,none,0,249,1,informal_lender,17244.62,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2018,rural,male,60,55+,lowest,none,self_employed,85.46,6,none,1,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,female,62,55+,second,primary,employed_formal,160.43,10,excellent,0,784,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,male,63,55+,middle,secondary,employed_informal,908.01,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,male,49,45-54,middle,primary,unemployed,159.06,2,none,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,male,31,25-34,highest,tertiary,employed_informal,521.76,8,limited,0,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,male,56,55+,fourth,none,employed_informal,818.51,5,none,0,0,1,microfinance,6789.54,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2021,urban,male,63,55+,middle,none,employed_formal,204.02,10,limited,1,718,1,family_friends,9318.37,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2023,urban,male,22,18-24,lowest,secondary,self_employed,45.31,5,none,0,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,female,55,45-54,fourth,tertiary,farmer,227.91,1,good,0,352,1,digital_lender,3667.48,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2022,urban,male,41,35-44,fourth,secondary,farmer,398.56,7,none,0,664,1,informal_lender,15294.53,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2018,rural,female,61,55+,lowest,secondary,unemployed,53.08,1,none,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,female,23,18-24,second,none,employed_informal,170.31,3,none,1,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,38,35-44,middle,none,employed_informal,380.37,8,good,1,826,1,commercial_bank,4207.05,equipment,business,1,3940.0,0.169,24,191.97,late_60_days,not_applicable,high_burden
Kenya,2022,urban,female,63,55+,second,secondary,self_employed,690.83,10,good,0,690,1,informal_lender,6547.66,savings,agriculture,1,6150.03,0.826,12,935.6,current,not_applicable,high_burden
Mozambique,2019,urban,female,62,55+,second,tertiary,self_employed,22.87,9,good,1,498,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,female,51,45-54,middle,secondary,farmer,116.05,2,none,0,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,female,24,18-24,lowest,tertiary,self_employed,69.77,4,excellent,0,553,1,informal_lender,3120.96,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2021,rural,female,19,18-24,lowest,none,self_employed,52.45,9,limited,1,497,1,commercial_bank,4792.79,property,education,1,4731.65,0.21,12,477.19,late_30_days,not_applicable,high_burden
DRC,2020,urban,female,50,45-54,second,none,employed_formal,17.07,8,limited,0,66,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,rural,male,38,35-44,second,secondary,farmer,157.2,3,good,0,850,1,family_friends,4951.78,none,agriculture,1,4805.84,0.021,12,408.89,defaulted,not_applicable,high_burden
Zambia,2021,rural,male,45,35-44,middle,tertiary,employed_informal,84.81,1,limited,0,190,1,informal_lender,1916.73,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2018,urban,female,25,18-24,middle,secondary,employed_informal,404.55,2,limited,0,819,1,informal_lender,11137.38,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2021,rural,male,52,45-54,fourth,tertiary,unemployed,314.2,1,limited,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,male,64,55+,fourth,secondary,farmer,751.84,1,none,1,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,female,57,55+,lowest,secondary,employed_informal,46.37,3,limited,0,591,1,microfinance,2614.82,property,business,1,2464.72,0.369,24,140.6,late_60_days,not_applicable,high_burden
Kenya,2023,rural,female,60,55+,fourth,secondary,farmer,129.37,7,none,1,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,female,66,55+,lowest,primary,self_employed,48.04,9,none,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,39,35-44,middle,secondary,farmer,364.66,9,none,0,28,1,sacco,3739.98,savings,agriculture,1,3205.31,0.367,48,91.3,late_30_days,not_applicable,high_burden
Niger,2024,rural,male,20,18-24,fourth,secondary,employed_formal,409.96,10,none,1,333,1,commercial_bank,6763.28,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2023,rural,female,47,45-54,highest,secondary,employed_informal,610.9,5,none,1,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,male,67,55+,highest,none,self_employed,464.6,5,excellent,1,850,1,commercial_bank,3266.14,savings,housing,1,2696.24,0.205,24,135.41,current,not_applicable,high_burden
Rwanda,2025,rural,male,36,35-44,second,primary,farmer,139.03,7,none,1,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,female,38,35-44,fourth,secondary,employed_informal,669.47,8,excellent,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,female,33,25-34,lowest,tertiary,self_employed,549.12,3,limited,1,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,male,67,55+,lowest,primary,employed_informal,105.19,8,none,1,271,1,employer,4167.33,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2022,rural,male,53,45-54,second,secondary,farmer,102.46,1,good,0,609,1,family_friends,3013.83,property,agriculture,1,2588.56,0.054,12,227.26,current,not_applicable,high_burden
South Africa,2021,rural,male,63,55+,lowest,none,farmer,56.04,6,none,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,female,62,55+,second,secondary,unemployed,138.04,3,none,0,46,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,female,24,18-24,second,primary,employed_informal,61.01,2,good,1,700,1,digital_lender,8536.74,savings,agriculture,1,7839.83,0.46,12,953.53,defaulted,not_applicable,high_burden
Mali,2018,urban,male,45,35-44,fourth,secondary,employed_informal,270.88,7,good,0,662,1,informal_lender,2734.46,equipment,education,1,2616.12,0.815,48,98.92,paid_off,not_applicable,high_burden
Ethiopia,2018,rural,male,34,25-34,second,secondary,employed_informal,106.1,9,limited,1,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,female,27,25-34,lowest,secondary,self_employed,78.37,1,none,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,urban,male,58,55+,fourth,secondary,unemployed,1298.91,2,none,0,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,female,47,45-54,second,secondary,self_employed,60.02,10,none,0,637,1,microfinance,1650.29,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2024,urban,female,53,45-54,second,primary,unemployed,520.1,1,none,0,74,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,male,57,55+,middle,none,employed_informal,301.97,7,none,0,672,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,female,18,18-24,lowest,none,self_employed,134.39,1,none,1,486,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,male,69,55+,fourth,primary,farmer,187.49,1,none,1,709,1,employer,3689.28,none,emergency,1,3437.95,0.065,48,76.31,late_60_days,not_applicable,high_burden
Mozambique,2021,urban,female,50,45-54,second,secondary,self_employed,115.37,9,none,1,6,1,commercial_bank,3408.2,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2018,rural,male,61,55+,lowest,primary,self_employed,57.76,2,none,1,0,1,family_friends,1631.05,property,business,1,1505.79,0.007,24,63.17,paid_off,not_applicable,high_burden
Uganda,2022,rural,male,39,35-44,middle,primary,employed_formal,185.15,10,excellent,0,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,male,27,25-34,highest,primary,self_employed,482.54,2,limited,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,male,52,45-54,middle,none,employed_formal,372.49,7,none,0,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,male,31,25-34,fourth,secondary,farmer,347.0,5,excellent,0,787,1,informal_lender,8505.31,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2022,rural,female,54,45-54,highest,secondary,farmer,2923.35,6,good,0,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,female,29,25-34,fourth,secondary,unemployed,529.29,5,none,1,555,1,commercial_bank,3914.64,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2020,rural,female,28,25-34,lowest,none,self_employed,104.78,2,limited,0,18,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,urban,female,28,25-34,highest,tertiary,self_employed,541.25,10,none,0,113,1,informal_lender,6538.64,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2019,rural,female,65,55+,middle,none,self_employed,85.19,1,none,1,13,1,commercial_bank,3810.74,guarantor,education,1,3748.82,0.132,6,707.58,current,not_applicable,high_burden
Uganda,2018,rural,male,36,35-44,lowest,secondary,employed_informal,56.17,4,none,0,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,22,18-24,highest,primary,employed_informal,339.99,5,excellent,1,850,1,commercial_bank,2632.73,savings,agriculture,1,2182.54,0.193,12,216.93,paid_off,not_applicable,high_burden
Uganda,2019,rural,female,29,25-34,second,primary,farmer,67.77,10,limited,0,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,urban,female,56,55+,lowest,tertiary,farmer,113.46,2,excellent,1,695,1,commercial_bank,1466.21,property,agriculture,1,1316.61,0.141,24,62.6,current,not_applicable,high_burden
Tanzania,2018,urban,male,54,45-54,middle,secondary,unemployed,623.0,1,good,1,638,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,female,33,25-34,fourth,secondary,unemployed,472.71,3,good,1,83,1,sacco,8524.51,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2024,urban,female,41,35-44,fourth,tertiary,employed_informal,217.5,6,limited,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,female,29,25-34,fourth,secondary,farmer,363.64,7,limited,0,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,urban,female,26,25-34,fourth,secondary,self_employed,589.25,4,good,1,227,1,microfinance,13554.7,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2021,rural,male,58,55+,second,secondary,employed_informal,384.96,8,none,1,724,1,microfinance,1974.32,property,agriculture,1,1908.11,0.316,24,104.6,late_60_days,not_applicable,high_burden
Mali,2024,rural,female,41,35-44,fourth,none,employed_formal,415.65,10,none,0,470,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,female,41,35-44,highest,primary,unemployed,531.39,6,excellent,0,426,1,informal_lender,11623.82,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2024,urban,female,32,25-34,fourth,primary,employed_informal,1564.14,9,limited,0,843,1,family_friends,10258.46,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Malawi,2020,urban,male,35,25-34,second,none,employed_formal,157.35,5,none,1,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,30,25-34,second,secondary,self_employed,149.78,6,none,0,74,1,digital_lender,3332.85,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2023,urban,male,36,35-44,highest,none,farmer,611.29,10,limited,1,593,1,commercial_bank,5876.9,vehicle,debt_consolidation,1,5171.85,0.144,18,328.72,late_30_days,not_applicable,high_burden
Ghana,2023,rural,male,38,35-44,lowest,primary,employed_informal,20.71,2,limited,1,686,1,sacco,1746.2,none,agriculture,1,1529.6,0.28,12,163.14,current,not_applicable,high_burden
Ethiopia,2022,urban,female,62,55+,second,primary,farmer,160.98,2,none,1,430,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,25,18-24,lowest,none,farmer,360.81,5,excellent,0,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,male,40,35-44,lowest,primary,unemployed,19.27,1,none,1,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,male,33,25-34,lowest,secondary,self_employed,50.35,3,limited,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,female,49,45-54,lowest,secondary,unemployed,47.39,3,limited,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,male,20,18-24,highest,primary,unemployed,1221.72,5,limited,0,850,1,microfinance,20092.85,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2020,rural,female,42,35-44,lowest,secondary,employed_informal,35.28,6,none,0,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,female,54,45-54,second,secondary,self_employed,108.18,4,limited,0,256,1,digital_lender,4585.2,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2018,urban,male,47,45-54,second,none,employed_informal,298.98,7,limited,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,male,61,55+,fourth,none,self_employed,404.02,9,none,1,306,1,microfinance,5158.26,savings,asset_purchase,1,5064.98,0.283,18,361.04,current,not_applicable,high_burden
South Africa,2021,rural,male,46,45-54,lowest,none,employed_informal,89.73,8,none,1,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,male,38,35-44,fourth,secondary,self_employed,609.56,5,none,0,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,male,23,18-24,fourth,none,employed_informal,113.66,2,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,27,25-34,lowest,secondary,self_employed,88.63,9,good,0,798,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,49,45-54,middle,primary,self_employed,97.8,3,none,1,738,1,sacco,2101.91,equipment,business,1,2013.65,0.279,18,143.12,current,not_applicable,high_burden
Nigeria,2019,rural,male,43,35-44,second,tertiary,employed_formal,46.33,10,limited,0,209,1,microfinance,2480.02,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2018,urban,female,20,18-24,second,primary,employed_informal,106.32,3,none,1,435,1,microfinance,3087.35,guarantor,asset_purchase,1,2977.03,0.329,6,659.19,current,not_applicable,high_burden
Mali,2019,rural,female,40,35-44,lowest,primary,self_employed,43.01,4,good,1,758,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,female,56,55+,fourth,primary,farmer,97.13,4,good,0,737,1,family_friends,1522.12,savings,education,1,1229.9,0.094,12,112.17,current,not_applicable,high_burden
Niger,2019,urban,male,43,35-44,second,primary,farmer,441.58,5,none,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,42,35-44,fourth,primary,self_employed,334.98,10,none,0,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,male,45,35-44,second,none,farmer,694.95,9,none,1,634,1,microfinance,5432.03,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2022,rural,male,56,55+,second,secondary,self_employed,160.26,9,limited,0,823,1,family_friends,2203.33,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2021,rural,female,49,45-54,second,tertiary,farmer,31.8,10,limited,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,male,25,18-24,fourth,tertiary,employed_formal,275.91,4,good,1,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,male,52,45-54,highest,primary,self_employed,2337.13,5,none,0,71,1,family_friends,12181.87,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2019,urban,female,28,25-34,fourth,tertiary,self_employed,333.94,10,excellent,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,female,28,25-34,highest,none,self_employed,1610.11,3,none,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,female,32,25-34,middle,tertiary,employed_informal,582.08,1,excellent,0,262,1,family_friends,7543.95,vehicle,agriculture,1,6260.13,0.049,12,547.24,current,not_applicable,high_burden
Nigeria,2021,rural,female,23,18-24,middle,none,farmer,133.96,7,limited,0,825,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,urban,male,61,55+,fourth,tertiary,employed_informal,421.63,6,limited,1,51,1,informal_lender,5568.62,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2019,urban,male,46,45-54,middle,none,self_employed,112.99,7,limited,0,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,male,32,25-34,fourth,none,self_employed,811.38,2,excellent,0,677,1,digital_lender,16146.63,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
DRC,2025,rural,female,26,25-34,lowest,primary,farmer,34.17,8,none,0,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,female,69,55+,second,tertiary,employed_formal,316.24,10,none,1,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,female,37,35-44,fourth,none,farmer,258.75,8,none,0,0,1,family_friends,4860.69,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2020,rural,male,59,55+,second,secondary,unemployed,580.46,5,limited,0,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,female,42,35-44,second,tertiary,self_employed,97.01,5,none,1,617,1,family_friends,2479.72,none,business,1,2254.69,0.047,18,131.12,late_60_days,not_applicable,high_burden
Zambia,2018,rural,male,21,18-24,lowest,primary,farmer,14.89,1,good,0,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,female,28,25-34,lowest,secondary,employed_informal,57.45,8,excellent,1,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,male,34,25-34,second,none,employed_formal,533.66,9,good,0,714,1,family_friends,3388.75,equipment,emergency,1,3307.39,0.072,36,98.48,paid_off,not_applicable,high_burden
Rwanda,2023,rural,female,62,55+,middle,secondary,farmer,654.72,2,none,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,male,61,55+,second,secondary,farmer,125.54,2,excellent,0,195,1,microfinance,10942.29,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2020,rural,female,57,55+,highest,primary,self_employed,214.56,2,none,0,424,1,microfinance,4555.06,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2023,urban,male,33,25-34,highest,primary,employed_informal,640.01,9,none,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,30,25-34,middle,tertiary,self_employed,294.72,9,limited,0,302,1,family_friends,12513.32,guarantor,asset_purchase,1,11877.33,0.096,6,2169.03,current,not_applicable,high_burden
Malawi,2021,rural,male,40,35-44,fourth,none,unemployed,154.32,1,none,0,490,1,digital_lender,6551.72,property,business,1,5980.02,0.432,12,713.5,defaulted,not_applicable,high_burden
Tanzania,2024,rural,female,24,18-24,second,secondary,farmer,25.4,10,none,0,644,1,commercial_bank,2634.26,property,housing,1,2384.09,0.135,18,150.38,defaulted,not_applicable,high_burden
South Africa,2025,rural,male,32,25-34,second,secondary,unemployed,223.22,6,limited,0,470,1,sacco,6075.57,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2021,rural,male,20,18-24,lowest,primary,self_employed,268.11,3,good,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,female,20,18-24,second,secondary,self_employed,192.65,5,none,0,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,urban,female,28,25-34,middle,secondary,self_employed,908.06,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,male,42,35-44,highest,secondary,farmer,1770.64,2,limited,0,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,urban,male,20,18-24,second,secondary,employed_informal,254.11,9,good,0,735,1,commercial_bank,2343.21,property,asset_purchase,1,1910.95,0.16,12,184.76,current,not_applicable,high_burden
Ethiopia,2018,rural,male,49,45-54,second,primary,unemployed,212.49,4,none,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,27,25-34,lowest,primary,employed_informal,41.71,6,limited,1,421,1,microfinance,2604.49,vehicle,agriculture,1,2289.87,0.302,36,82.8,current,not_applicable,high_burden
Malawi,2024,rural,female,69,55+,lowest,secondary,farmer,49.18,2,limited,1,425,1,family_friends,975.91,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mozambique,2019,rural,male,53,45-54,middle,tertiary,self_employed,180.97,8,limited,1,370,1,microfinance,4066.98,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2022,rural,female,28,25-34,second,none,farmer,350.57,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,27,25-34,lowest,primary,unemployed,46.99,3,none,1,111,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,47,45-54,lowest,primary,employed_informal,60.52,10,none,0,40,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,male,27,25-34,middle,primary,employed_informal,119.64,9,good,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,male,55,45-54,lowest,none,employed_informal,104.85,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,female,62,55+,lowest,secondary,self_employed,85.14,7,none,1,0,1,sacco,4568.38,none,business,1,3912.73,0.358,12,442.66,late_30_days,not_applicable,high_burden
Niger,2023,rural,male,19,18-24,middle,tertiary,employed_informal,343.75,5,excellent,0,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,male,50,45-54,highest,tertiary,employed_informal,909.66,6,none,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,male,62,55+,lowest,secondary,self_employed,46.56,4,limited,1,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,26,25-34,second,primary,farmer,138.55,4,none,1,468,1,commercial_bank,2132.8,equipment,business,1,2033.89,0.138,6,385.78,defaulted,not_applicable,high_burden
Ethiopia,2021,rural,male,25,18-24,middle,secondary,farmer,320.56,6,none,0,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,female,26,25-34,lowest,tertiary,employed_informal,53.05,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,female,63,55+,lowest,secondary,unemployed,86.08,3,limited,0,242,1,microfinance,3027.59,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2019,rural,male,65,55+,fourth,primary,farmer,754.08,5,none,0,493,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,urban,male,60,55+,second,primary,employed_formal,61.65,8,none,1,589,1,family_friends,1589.26,property,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
South Africa,2024,urban,male,39,35-44,highest,primary,employed_informal,875.2,10,none,0,111,1,microfinance,11388.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2024,rural,female,31,25-34,lowest,tertiary,employed_informal,94.51,9,limited,1,135,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,male,29,25-34,lowest,secondary,self_employed,39.7,8,excellent,0,314,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,female,44,35-44,fourth,tertiary,self_employed,538.42,7,good,1,370,1,microfinance,5228.63,savings,asset_purchase,1,4818.68,0.319,6,1059.42,current,not_applicable,high_burden
Mozambique,2018,urban,male,38,35-44,lowest,secondary,unemployed,22.18,6,none,0,341,1,sacco,7838.46,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2020,rural,male,65,55+,lowest,secondary,farmer,136.54,10,limited,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,male,38,35-44,second,tertiary,employed_formal,218.66,10,none,0,72,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,urban,female,22,18-24,lowest,none,self_employed,233.61,5,limited,1,355,1,informal_lender,1762.42,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2025,rural,female,49,45-54,lowest,secondary,self_employed,70.48,6,limited,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,female,59,55+,second,tertiary,farmer,151.18,1,limited,1,541,1,digital_lender,1748.32,property,education,1,1606.79,0.465,12,196.22,current,not_applicable,high_burden
Tanzania,2025,rural,male,56,55+,lowest,tertiary,self_employed,109.2,10,limited,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,male,64,55+,fourth,none,self_employed,600.51,10,none,0,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,female,45,35-44,lowest,secondary,farmer,136.6,4,good,1,102,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,male,26,25-34,middle,secondary,unemployed,244.26,4,good,0,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,28,25-34,highest,secondary,employed_informal,79.55,1,limited,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,male,29,25-34,lowest,none,unemployed,228.11,1,good,1,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,female,61,55+,second,primary,self_employed,38.47,10,excellent,1,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,urban,male,32,25-34,middle,primary,employed_informal,228.83,1,none,0,205,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,22,18-24,fourth,none,unemployed,286.32,6,excellent,1,780,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,56,55+,fourth,secondary,farmer,123.94,7,limited,1,6,1,digital_lender,4199.46,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2018,rural,male,24,18-24,second,secondary,self_employed,102.58,7,limited,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,male,52,45-54,middle,secondary,farmer,418.61,6,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,rural,female,50,45-54,highest,secondary,employed_formal,553.27,4,limited,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,male,44,35-44,second,primary,employed_formal,261.89,10,good,0,172,1,family_friends,3831.56,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2025,rural,female,54,45-54,highest,primary,unemployed,533.51,3,good,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,44,35-44,middle,primary,employed_formal,184.5,4,good,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,female,59,55+,highest,primary,employed_informal,672.96,4,good,0,786,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,male,50,45-54,second,primary,unemployed,325.02,4,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,male,56,55+,highest,none,employed_informal,572.78,5,none,0,349,1,microfinance,8468.16,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2022,rural,female,54,45-54,second,secondary,employed_informal,394.31,8,none,0,44,1,informal_lender,4580.39,guarantor,agriculture,1,4456.45,0.751,18,433.59,late_30_days,not_applicable,high_burden
Ghana,2021,urban,male,44,35-44,highest,primary,employed_informal,921.64,9,none,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,male,31,25-34,middle,tertiary,employed_informal,262.12,5,none,1,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,male,18,18-24,second,primary,self_employed,166.2,2,excellent,0,654,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,male,32,25-34,second,primary,farmer,235.03,9,none,0,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,male,69,55+,second,secondary,employed_formal,102.07,7,good,0,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,urban,male,69,55+,lowest,secondary,self_employed,224.01,6,none,0,694,1,informal_lender,1964.21,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2021,rural,female,40,35-44,second,primary,self_employed,148.0,3,none,1,193,1,sacco,854.65,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2021,rural,male,32,25-34,second,primary,self_employed,60.83,7,none,1,76,1,informal_lender,2859.92,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2020,urban,male,29,25-34,middle,primary,employed_informal,297.24,7,good,0,839,1,informal_lender,5582.97,none,consumption,1,5149.77,0.795,18,513.55,late_30_days,not_applicable,high_burden
Mali,2020,urban,female,28,25-34,fourth,secondary,self_employed,187.48,5,none,0,0,1,informal_lender,1417.07,savings,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2023,rural,female,50,45-54,highest,secondary,employed_formal,659.8,8,limited,1,230,1,microfinance,4351.72,none,education,1,3604.68,0.272,12,382.02,current,not_applicable,high_burden
South Africa,2020,rural,male,59,55+,fourth,tertiary,employed_informal,88.77,6,none,0,276,1,employer,2936.43,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2025,rural,female,64,55+,highest,primary,unemployed,418.2,4,limited,1,779,1,microfinance,4825.7,none,asset_purchase,1,4169.95,0.369,24,237.81,late_60_days,not_applicable,high_burden
Tanzania,2023,urban,female,61,55+,second,secondary,employed_informal,399.72,8,excellent,0,329,1,microfinance,7687.91,guarantor,agriculture,1,7432.71,0.305,12,808.32,current,not_applicable,high_burden
Mozambique,2022,rural,male,52,45-54,second,primary,unemployed,149.53,1,good,0,634,1,digital_lender,4101.55,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2022,rural,female,47,45-54,highest,secondary,self_employed,217.82,5,good,1,413,1,digital_lender,2249.01,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2020,rural,male,61,55+,lowest,none,farmer,25.34,6,good,0,850,1,commercial_bank,623.74,equipment,consumption,1,556.57,0.202,24,27.88,current,not_applicable,high_burden
Ethiopia,2021,rural,male,37,35-44,second,none,farmer,279.05,10,limited,0,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,female,45,35-44,fourth,primary,employed_informal,541.49,1,good,0,239,1,microfinance,10091.03,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2019,rural,male,44,35-44,fourth,primary,self_employed,1291.28,4,none,0,610,1,sacco,10145.5,none,consumption,1,9993.28,0.347,18,747.76,current,not_applicable,high_burden
Nigeria,2019,urban,female,41,35-44,highest,secondary,farmer,282.38,3,none,1,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,male,39,35-44,lowest,secondary,self_employed,66.22,7,good,1,511,1,commercial_bank,2704.39,none,asset_purchase,1,2700.11,0.158,24,130.24,current,not_applicable,high_burden
Kenya,2021,rural,male,37,35-44,middle,primary,employed_formal,577.44,9,limited,0,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,male,24,18-24,fourth,none,self_employed,365.87,10,none,0,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,47,45-54,lowest,primary,self_employed,147.98,3,none,1,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,31,25-34,lowest,primary,employed_informal,69.7,5,none,0,195,1,informal_lender,1945.17,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2018,urban,female,65,55+,second,secondary,self_employed,226.76,10,limited,1,120,1,informal_lender,5025.67,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2020,urban,male,18,18-24,highest,secondary,unemployed,570.01,1,limited,0,387,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,male,54,45-54,lowest,primary,self_employed,29.23,3,none,0,735,1,informal_lender,454.81,savings,business,1,403.86,0.795,18,40.27,late_30_days,not_applicable,high_burden
Uganda,2020,rural,female,26,25-34,highest,primary,farmer,506.84,6,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,male,45,35-44,second,none,farmer,94.24,3,none,0,465,1,sacco,4490.81,property,housing,1,4077.07,0.28,12,434.97,late_30_days,not_applicable,high_burden
DRC,2024,urban,female,62,55+,lowest,secondary,farmer,84.47,2,none,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,female,48,45-54,lowest,primary,self_employed,88.46,10,good,1,128,1,commercial_bank,1670.57,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2025,urban,male,64,55+,middle,tertiary,employed_informal,533.4,10,limited,0,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,male,58,55+,middle,secondary,employed_informal,554.96,3,excellent,1,743,1,commercial_bank,9316.63,none,education,1,9036.67,0.218,6,1834.37,late_60_days,not_applicable,high_burden
Ghana,2024,rural,female,41,35-44,lowest,primary,employed_informal,62.76,10,limited,1,337,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,urban,male,18,18-24,middle,none,self_employed,256.86,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,female,30,25-34,lowest,secondary,employed_informal,24.99,4,limited,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,female,57,55+,lowest,secondary,farmer,63.94,6,limited,0,370,1,informal_lender,3443.75,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2021,rural,female,21,18-24,highest,none,self_employed,526.33,5,good,1,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,female,46,45-54,fourth,primary,unemployed,42.1,1,none,0,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,female,61,55+,middle,primary,unemployed,236.49,4,excellent,0,358,1,family_friends,1979.08,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2024,urban,female,69,55+,middle,none,employed_formal,728.26,4,limited,0,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,female,29,25-34,second,primary,employed_informal,223.57,4,limited,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,urban,female,28,25-34,fourth,primary,self_employed,441.08,1,good,1,301,1,commercial_bank,3444.55,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2024,urban,male,50,45-54,lowest,tertiary,self_employed,39.7,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,male,45,35-44,second,primary,employed_formal,64.12,10,good,1,430,1,microfinance,1162.12,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2021,urban,female,47,45-54,highest,tertiary,unemployed,621.0,3,limited,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,male,34,25-34,middle,primary,employed_informal,145.33,9,limited,1,234,1,commercial_bank,3938.45,none,emergency,1,3324.05,0.22,12,337.85,current,not_applicable,high_burden
Zambia,2021,urban,male,37,35-44,lowest,secondary,self_employed,65.14,9,excellent,1,832,1,family_friends,4115.88,guarantor,asset_purchase,1,3327.43,0.024,18,189.24,paid_off,not_applicable,high_burden
Senegal,2024,rural,male,41,35-44,fourth,none,employed_formal,751.31,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,male,69,55+,highest,primary,employed_informal,575.36,2,none,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,female,55,45-54,second,secondary,self_employed,66.18,6,none,0,0,1,employer,700.78,guarantor,education,1,688.82,0.013,36,19.39,current,not_applicable,high_burden
South Africa,2020,rural,male,56,55+,fourth,primary,farmer,246.59,8,none,1,594,1,commercial_bank,24319.8,savings,business,1,20037.0,0.221,6,4077.87,current,not_applicable,high_burden
Mali,2023,urban,female,67,55+,second,secondary,farmer,78.67,5,good,1,778,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,female,53,45-54,lowest,secondary,unemployed,164.1,1,none,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,female,32,25-34,highest,primary,employed_informal,491.12,2,good,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,female,55,45-54,middle,tertiary,unemployed,124.7,6,good,1,173,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,32,25-34,highest,none,farmer,1394.03,8,none,0,498,1,employer,2741.81,vehicle,consumption,1,2554.54,0.082,12,230.26,current,not_applicable,high_burden
DRC,2022,rural,male,58,55+,lowest,tertiary,self_employed,224.3,5,limited,1,689,1,commercial_bank,3226.3,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2020,rural,male,64,55+,second,none,employed_informal,254.74,4,good,0,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,male,53,45-54,highest,secondary,farmer,803.23,7,none,0,79,1,microfinance,6295.18,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2020,rural,male,66,55+,second,primary,employed_formal,90.77,10,limited,1,101,1,commercial_bank,2277.88,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2018,rural,female,23,18-24,second,secondary,self_employed,44.51,6,limited,0,118,1,microfinance,1361.18,equipment,emergency,1,1116.3,0.339,18,83.07,current,not_applicable,high_burden
Ghana,2024,urban,female,19,18-24,middle,primary,farmer,503.21,6,good,0,204,1,family_friends,5668.83,property,consumption,1,5411.86,0.069,18,321.51,paid_off,not_applicable,high_burden
DRC,2024,urban,male,60,55+,lowest,primary,self_employed,185.82,5,limited,1,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,female,60,55+,middle,primary,farmer,330.57,10,limited,0,8,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,male,51,45-54,lowest,primary,employed_informal,147.03,6,none,0,33,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,female,30,25-34,lowest,secondary,unemployed,123.92,3,limited,0,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,female,22,18-24,second,none,self_employed,214.39,8,limited,0,214,1,family_friends,2676.71,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2018,urban,female,41,35-44,highest,primary,self_employed,821.99,10,none,1,190,1,informal_lender,8874.26,guarantor,business,1,7202.49,0.808,12,1085.14,late_30_days,not_applicable,high_burden
Rwanda,2024,rural,male,49,45-54,middle,tertiary,self_employed,202.06,4,limited,1,385,1,microfinance,10539.4,guarantor,consumption,1,9911.01,0.329,36,365.76,late_30_days,not_applicable,high_burden
Uganda,2024,rural,male,35,25-34,second,secondary,unemployed,242.92,1,none,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,male,50,45-54,middle,tertiary,unemployed,237.17,1,limited,0,276,1,microfinance,10480.92,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Malawi,2020,urban,female,41,35-44,second,secondary,self_employed,92.01,9,none,1,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,urban,female,30,25-34,lowest,tertiary,employed_formal,80.97,9,limited,0,759,1,informal_lender,5635.22,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2019,rural,male,69,55+,second,secondary,self_employed,176.5,3,good,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,female,22,18-24,second,none,employed_formal,23.35,8,good,1,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,male,45,35-44,fourth,primary,employed_informal,1525.96,5,limited,0,268,1,informal_lender,26505.29,vehicle,housing,1,22151.87,0.821,12,3360.86,current,not_applicable,high_burden
Nigeria,2022,urban,male,31,25-34,second,primary,self_employed,126.66,9,none,1,407,1,microfinance,2916.53,guarantor,agriculture,1,2622.95,0.353,12,295.74,current,not_applicable,high_burden
DRC,2019,rural,female,53,45-54,lowest,none,employed_informal,55.29,1,none,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,female,56,55+,middle,primary,self_employed,131.8,3,none,0,116,1,digital_lender,7789.4,guarantor,consumption,1,6809.34,0.47,18,555.91,current,not_applicable,high_burden
South Africa,2025,urban,male,33,25-34,lowest,secondary,employed_formal,104.93,10,none,0,504,1,informal_lender,2837.71,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2022,urban,male,21,18-24,fourth,none,employed_informal,384.22,1,limited,0,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,female,61,55+,second,none,self_employed,40.95,2,none,0,574,1,family_friends,1018.37,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2024,urban,female,60,55+,fourth,tertiary,farmer,112.82,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,male,50,45-54,fourth,primary,farmer,711.24,10,none,0,693,1,family_friends,11659.76,none,education,1,10548.32,0.096,36,321.26,current,not_applicable,high_burden
Mali,2021,urban,female,43,35-44,lowest,primary,employed_formal,117.61,6,none,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,male,18,18-24,highest,tertiary,self_employed,216.97,4,none,0,582,1,family_friends,5914.29,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2025,rural,female,26,25-34,second,secondary,employed_formal,106.39,10,limited,0,199,1,digital_lender,3015.96,none,education,1,2789.95,0.5,18,232.49,current,not_applicable,high_burden
Rwanda,2022,rural,female,21,18-24,lowest,primary,farmer,102.71,3,excellent,0,258,1,informal_lender,5373.62,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2024,urban,female,63,55+,middle,primary,employed_formal,422.38,5,none,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,female,55,45-54,fourth,primary,employed_formal,265.9,7,limited,0,6,1,digital_lender,6669.46,property,consumption,1,5639.66,0.473,12,692.38,current,not_applicable,high_burden
Zambia,2022,urban,male,43,35-44,highest,primary,farmer,1355.1,9,limited,1,232,1,commercial_bank,10182.24,guarantor,debt_consolidation,1,9406.92,0.13,12,885.92,paid_off,not_applicable,high_burden
Ethiopia,2023,urban,female,53,45-54,lowest,secondary,self_employed,89.88,5,none,0,165,1,family_friends,7960.46,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2022,urban,male,39,35-44,middle,primary,employed_formal,280.76,10,limited,1,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,female,47,45-54,middle,tertiary,employed_formal,595.25,7,none,1,589,1,family_friends,7026.34,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2025,rural,male,56,55+,second,primary,employed_informal,236.79,2,none,0,17,1,microfinance,2168.67,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2019,urban,male,32,25-34,highest,none,self_employed,840.19,1,limited,1,714,1,sacco,8980.63,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2020,rural,female,41,35-44,fourth,secondary,farmer,1548.9,3,none,1,158,1,microfinance,15232.68,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2019,urban,female,37,35-44,second,primary,farmer,124.64,2,limited,0,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,male,49,45-54,lowest,primary,self_employed,93.78,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,female,51,45-54,middle,none,employed_formal,172.5,5,good,1,629,1,commercial_bank,9615.6,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2022,rural,male,53,45-54,second,primary,employed_informal,181.93,4,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,urban,male,22,18-24,middle,secondary,self_employed,125.91,7,good,0,411,1,sacco,2433.82,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2019,urban,male,33,25-34,lowest,primary,farmer,230.98,6,none,1,621,1,commercial_bank,2646.76,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2022,rural,female,63,55+,middle,none,employed_informal,384.94,8,limited,1,273,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,female,23,18-24,lowest,secondary,employed_informal,95.24,1,excellent,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,male,39,35-44,highest,secondary,employed_informal,6199.63,2,limited,1,572,1,digital_lender,52353.87,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2019,rural,male,37,35-44,fourth,secondary,farmer,903.18,7,none,0,415,1,microfinance,2629.25,guarantor,business,1,2519.49,0.289,12,270.68,current,not_applicable,high_burden
Niger,2023,urban,female,68,55+,fourth,secondary,employed_informal,773.08,1,none,0,461,1,informal_lender,8214.19,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2019,rural,male,52,45-54,fourth,secondary,self_employed,233.72,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,urban,male,55,45-54,fourth,secondary,farmer,459.06,2,good,0,817,1,family_friends,6213.1,equipment,business,1,5825.03,0.049,48,127.28,late_30_days,not_applicable,high_burden
Ghana,2024,urban,female,34,25-34,lowest,tertiary,self_employed,80.28,2,limited,1,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,rural,female,51,45-54,lowest,secondary,farmer,28.78,10,good,0,646,1,family_friends,899.29,guarantor,business,1,854.16,0.055,12,75.11,current,not_applicable,high_burden
Rwanda,2022,urban,female,21,18-24,second,secondary,self_employed,237.78,7,none,1,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,female,25,18-24,middle,tertiary,employed_informal,228.7,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,urban,female,59,55+,highest,none,farmer,1408.68,10,good,1,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,female,65,55+,fourth,secondary,employed_informal,353.6,10,limited,0,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,female,32,25-34,second,secondary,unemployed,199.73,1,none,0,32,1,family_friends,7907.0,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2025,rural,male,38,35-44,lowest,primary,self_employed,150.12,4,limited,1,762,1,commercial_bank,5076.32,equipment,consumption,1,5028.21,0.159,6,971.65,current,not_applicable,high_burden
Rwanda,2020,rural,female,61,55+,fourth,secondary,self_employed,905.79,6,limited,0,341,1,microfinance,7447.08,vehicle,business,1,6669.48,0.368,12,760.1,current,not_applicable,high_burden
Niger,2021,urban,male,45,35-44,middle,secondary,employed_informal,271.47,10,none,1,743,1,commercial_bank,1739.05,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2018,rural,male,51,45-54,second,tertiary,employed_informal,512.71,7,none,0,272,1,microfinance,26034.99,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2023,rural,male,18,18-24,lowest,primary,employed_informal,71.28,4,none,1,548,1,digital_lender,3580.08,guarantor,business,1,3022.82,0.496,12,376.73,late_60_days,not_applicable,high_burden
Ghana,2019,urban,female,62,55+,second,none,farmer,357.44,6,limited,0,668,1,family_friends,9387.57,none,housing,1,7644.99,0.031,6,1313.51,defaulted,not_applicable,high_burden
Mozambique,2024,rural,female,45,35-44,lowest,none,employed_formal,60.56,10,limited,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,female,43,35-44,second,secondary,unemployed,114.0,2,none,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,female,66,55+,lowest,none,employed_informal,99.42,8,limited,0,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,female,33,25-34,middle,secondary,employed_formal,225.45,6,none,1,661,1,commercial_bank,3810.86,none,consumption,1,3314.66,0.158,12,319.9,late_30_days,not_applicable,high_burden
Zambia,2022,rural,male,65,55+,fourth,tertiary,unemployed,250.44,1,excellent,1,558,1,informal_lender,5946.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2024,urban,male,60,55+,second,secondary,self_employed,232.87,9,limited,1,714,1,commercial_bank,6167.19,none,education,1,5025.65,0.196,6,1001.78,paid_off,not_applicable,high_burden
Malawi,2024,rural,male,49,45-54,lowest,secondary,employed_formal,71.17,9,none,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,female,31,25-34,highest,none,self_employed,461.15,6,none,0,118,1,informal_lender,6578.08,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2022,rural,female,21,18-24,middle,none,farmer,241.02,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,male,39,35-44,middle,secondary,self_employed,455.96,4,none,0,0,1,commercial_bank,10363.34,savings,business,1,9574.28,0.22,12,973.7,paid_off,not_applicable,high_burden
South Africa,2025,urban,female,24,18-24,highest,secondary,employed_informal,1457.74,9,none,1,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,urban,male,63,55+,highest,secondary,self_employed,556.35,2,none,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,female,58,55+,second,secondary,self_employed,125.33,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,male,45,35-44,second,secondary,unemployed,145.28,5,none,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,male,36,35-44,fourth,secondary,self_employed,176.56,7,limited,1,116,1,microfinance,5034.64,none,business,1,4180.18,0.31,18,304.22,current,not_applicable,high_burden
Uganda,2022,rural,male,26,25-34,second,tertiary,unemployed,168.79,1,none,1,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,52,45-54,lowest,tertiary,farmer,71.85,10,limited,1,799,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,urban,male,25,18-24,middle,primary,farmer,197.83,8,none,0,716,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,female,20,18-24,highest,primary,self_employed,454.64,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,male,51,45-54,lowest,secondary,farmer,68.72,1,none,0,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,female,63,55+,middle,primary,unemployed,206.47,1,limited,1,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,female,21,18-24,highest,primary,self_employed,1120.97,8,none,0,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,20,18-24,lowest,secondary,employed_informal,132.2,1,none,1,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,male,69,55+,fourth,primary,employed_formal,281.01,10,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,female,23,18-24,lowest,secondary,farmer,6.74,9,none,1,0,1,sacco,2245.05,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2024,rural,male,42,35-44,lowest,secondary,self_employed,187.62,6,none,1,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,male,65,55+,highest,primary,self_employed,460.63,6,limited,1,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,female,28,25-34,middle,secondary,self_employed,49.6,6,none,1,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,male,28,25-34,lowest,none,unemployed,33.48,1,limited,1,650,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,female,27,25-34,highest,primary,farmer,159.2,1,good,0,292,1,family_friends,3820.43,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2023,urban,male,55,45-54,fourth,secondary,unemployed,430.15,1,none,0,589,1,family_friends,5144.45,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2024,urban,male,66,55+,middle,tertiary,employed_informal,267.7,4,none,0,486,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,female,25,18-24,highest,none,employed_informal,611.11,2,limited,1,265,1,informal_lender,2682.12,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ethiopia,2020,urban,male,50,45-54,second,tertiary,unemployed,439.84,1,none,0,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,female,46,45-54,fourth,secondary,employed_formal,154.26,10,none,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,male,27,25-34,fourth,secondary,self_employed,154.66,9,none,0,421,1,microfinance,2263.75,none,housing,1,2052.32,0.356,36,77.32,current,not_applicable,high_burden
Niger,2018,rural,female,57,55+,highest,tertiary,employed_informal,967.69,10,excellent,1,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,female,21,18-24,fourth,none,farmer,366.96,6,good,1,360,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,female,30,25-34,highest,none,employed_informal,1472.26,1,limited,1,629,1,sacco,9402.45,none,business,1,7646.31,0.345,12,857.06,paid_off,not_applicable,high_burden
Uganda,2023,urban,male,50,45-54,second,primary,employed_formal,489.18,6,limited,0,706,1,informal_lender,11935.97,savings,agriculture,1,10931.67,0.817,12,1655.25,late_30_days,not_applicable,high_burden
Malawi,2020,urban,male,34,25-34,lowest,tertiary,farmer,77.08,10,good,0,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,43,35-44,highest,secondary,employed_informal,750.99,4,good,0,850,1,family_friends,4254.09,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2024,rural,male,23,18-24,lowest,primary,employed_informal,90.42,7,excellent,1,850,1,commercial_bank,4619.17,none,agriculture,1,3860.03,0.144,12,368.09,current,not_applicable,high_burden
Nigeria,2025,urban,male,55,45-54,fourth,primary,farmer,932.5,1,none,1,512,1,commercial_bank,7542.44,vehicle,asset_purchase,1,6552.73,0.146,12,625.84,defaulted,not_applicable,high_burden
Ghana,2023,urban,male,28,25-34,highest,secondary,self_employed,1397.32,5,good,0,548,1,commercial_bank,5185.89,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Niger,2022,urban,male,36,35-44,fourth,tertiary,employed_informal,614.51,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,female,53,45-54,lowest,secondary,self_employed,43.57,3,limited,0,383,1,informal_lender,4958.85,vehicle,business,1,4710.92,0.831,12,718.78,current,not_applicable,high_burden
Rwanda,2019,urban,female,47,45-54,lowest,tertiary,employed_informal,35.56,2,none,0,4,1,sacco,3080.01,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2025,urban,female,42,35-44,second,none,unemployed,1098.32,3,good,0,151,1,family_friends,7218.22,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mali,2025,rural,male,48,45-54,highest,tertiary,farmer,277.53,2,good,1,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,urban,female,18,18-24,fourth,primary,unemployed,684.09,4,none,0,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,female,58,55+,lowest,primary,unemployed,38.47,3,good,0,186,1,digital_lender,2108.29,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2018,urban,male,24,18-24,fourth,primary,employed_informal,618.69,2,good,1,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,urban,male,21,18-24,fourth,primary,self_employed,243.62,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,male,48,45-54,second,primary,self_employed,83.52,1,good,1,308,1,commercial_bank,511.59,guarantor,agriculture,1,501.55,0.224,12,51.17,late_30_days,not_applicable,high_burden
Malawi,2019,rural,male,23,18-24,fourth,none,farmer,426.54,6,good,1,625,1,microfinance,5071.96,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2020,rural,male,30,25-34,second,secondary,self_employed,322.69,2,limited,0,586,1,family_friends,12954.71,property,business,1,10549.03,0.025,48,225.2,current,not_applicable,high_burden
Niger,2023,rural,female,30,25-34,second,none,employed_formal,45.5,10,limited,0,535,1,family_friends,2172.75,guarantor,emergency,1,1977.67,0.049,12,172.82,current,not_applicable,high_burden
Tanzania,2020,rural,female,20,18-24,lowest,primary,farmer,59.43,10,excellent,0,817,1,informal_lender,3766.45,guarantor,business,1,3472.65,0.829,18,352.89,late_30_days,not_applicable,high_burden
Kenya,2019,urban,female,24,18-24,middle,secondary,farmer,972.27,3,none,1,552,1,sacco,6482.67,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Senegal,2021,urban,male,41,35-44,second,tertiary,farmer,288.07,10,none,0,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,urban,male,68,55+,second,secondary,farmer,434.72,10,limited,0,772,1,digital_lender,1948.66,none,agriculture,1,1590.27,0.427,12,189.15,current,not_applicable,high_burden
Niger,2018,urban,female,51,45-54,second,secondary,self_employed,312.5,4,none,1,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,male,33,25-34,highest,secondary,farmer,453.21,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,male,51,45-54,lowest,primary,employed_informal,194.7,1,limited,0,690,1,sacco,2472.32,equipment,education,1,2425.3,0.327,18,178.81,paid_off,not_applicable,high_burden
Mozambique,2025,urban,female,21,18-24,second,tertiary,self_employed,173.4,10,limited,0,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,male,38,35-44,middle,secondary,unemployed,247.05,5,none,1,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,51,45-54,lowest,secondary,employed_informal,15.79,3,none,0,488,1,informal_lender,1290.01,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2023,rural,female,46,45-54,highest,tertiary,farmer,3076.94,5,none,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,female,50,45-54,middle,secondary,employed_informal,1288.95,3,limited,1,30,1,commercial_bank,2763.85,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2023,rural,female,21,18-24,lowest,secondary,self_employed,99.72,8,good,1,777,1,commercial_bank,3358.85,property,education,1,2771.58,0.2,18,184.81,late_30_days,not_applicable,high_burden
Ghana,2025,urban,male,38,35-44,highest,tertiary,farmer,1304.18,8,none,0,58,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,male,45,35-44,middle,primary,self_employed,331.56,2,none,0,725,1,family_friends,2159.72,none,business,1,1758.93,0.041,6,305.14,current,not_applicable,high_burden
Senegal,2019,rural,female,47,45-54,fourth,tertiary,farmer,340.11,5,none,1,129,1,informal_lender,2862.66,savings,asset_purchase,1,2785.11,0.764,12,409.31,current,not_applicable,high_burden
Nigeria,2022,rural,female,33,25-34,lowest,secondary,employed_informal,30.6,9,excellent,1,775,1,sacco,5535.96,guarantor,agriculture,1,4633.95,0.3,24,251.1,paid_off,not_applicable,high_burden
DRC,2018,rural,female,39,35-44,second,secondary,self_employed,75.17,5,none,0,729,1,digital_lender,708.04,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2020,rural,male,32,25-34,second,tertiary,self_employed,130.8,4,limited,1,844,1,microfinance,2427.44,property,business,1,2282.89,0.335,12,253.99,paid_off,not_applicable,high_burden
South Africa,2022,urban,male,36,35-44,lowest,tertiary,self_employed,158.46,8,limited,0,786,1,family_friends,6518.67,none,education,1,5722.34,0.093,12,521.01,paid_off,not_applicable,high_burden
Nigeria,2021,rural,male,43,35-44,lowest,primary,unemployed,62.7,1,limited,1,831,1,commercial_bank,2434.65,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2022,urban,female,44,35-44,fourth,primary,employed_informal,464.93,4,limited,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,female,67,55+,lowest,primary,farmer,68.46,10,good,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,male,39,35-44,lowest,none,self_employed,205.33,9,limited,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,female,31,25-34,lowest,primary,farmer,82.5,8,none,1,78,1,microfinance,4959.32,property,debt_consolidation,1,3988.43,0.308,6,869.45,current,not_applicable,high_burden
Rwanda,2022,rural,female,62,55+,highest,primary,employed_formal,301.64,10,limited,1,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,male,27,25-34,lowest,secondary,unemployed,108.55,1,good,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,female,31,25-34,fourth,secondary,employed_formal,299.39,10,limited,0,674,1,microfinance,5232.09,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2024,rural,male,48,45-54,fourth,primary,farmer,667.56,3,none,0,668,1,microfinance,4508.13,equipment,agriculture,1,4122.75,0.359,48,116.74,paid_off,not_applicable,high_burden
Mozambique,2022,urban,female,64,55+,fourth,primary,unemployed,590.6,4,none,0,558,1,microfinance,2772.6,savings,agriculture,1,2256.6,0.303,12,245.01,current,not_applicable,high_burden
Uganda,2023,rural,male,31,25-34,middle,primary,self_employed,111.47,1,limited,1,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,female,57,55+,fourth,primary,unemployed,321.0,1,limited,1,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,urban,female,26,25-34,middle,tertiary,farmer,162.07,6,excellent,0,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,female,35,25-34,fourth,secondary,employed_informal,434.74,3,good,0,113,1,family_friends,8005.67,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2025,rural,male,67,55+,lowest,primary,employed_formal,22.31,5,none,1,498,1,commercial_bank,1338.1,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2023,urban,male,64,55+,fourth,secondary,employed_informal,849.28,10,none,1,109,1,commercial_bank,4223.84,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2019,urban,female,69,55+,fourth,none,unemployed,1467.23,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,female,66,55+,middle,primary,employed_informal,401.6,2,limited,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,female,55,45-54,lowest,primary,self_employed,27.85,4,none,0,5,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,53,45-54,lowest,secondary,farmer,55.55,5,none,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,female,33,25-34,middle,primary,farmer,102.06,1,good,0,255,1,family_friends,16831.15,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2023,urban,female,53,45-54,lowest,tertiary,self_employed,72.66,3,limited,0,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,female,44,35-44,second,secondary,self_employed,171.73,8,none,0,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,49,45-54,middle,secondary,farmer,172.09,6,none,1,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,38,35-44,middle,primary,unemployed,204.49,1,good,1,514,1,sacco,7377.39,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2024,urban,female,41,35-44,fourth,secondary,employed_informal,1049.77,10,none,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,female,33,25-34,fourth,primary,self_employed,316.51,7,none,0,453,1,informal_lender,4339.29,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2024,rural,male,35,25-34,fourth,secondary,self_employed,527.4,2,good,1,647,1,sacco,7068.3,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2022,rural,female,42,35-44,fourth,none,employed_informal,382.96,3,good,0,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,male,45,35-44,second,none,employed_informal,148.56,6,none,1,176,1,microfinance,2139.4,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2019,rural,male,30,25-34,second,secondary,farmer,43.65,9,limited,0,759,1,family_friends,3464.85,equipment,business,1,3263.1,0.039,24,141.23,current,not_applicable,high_burden
Zambia,2024,urban,female,18,18-24,middle,tertiary,employed_informal,260.2,10,good,0,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,female,42,35-44,fourth,primary,self_employed,158.72,3,none,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,male,36,35-44,fourth,primary,farmer,388.98,9,good,1,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,55,45-54,lowest,primary,self_employed,72.4,3,limited,1,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,female,42,35-44,highest,secondary,farmer,549.29,9,limited,0,434,1,digital_lender,5910.37,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2024,rural,female,25,18-24,middle,primary,farmer,61.71,9,good,0,812,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,male,33,25-34,middle,primary,farmer,97.18,2,none,1,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,male,57,55+,lowest,tertiary,self_employed,146.69,1,limited,1,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,male,49,45-54,highest,none,farmer,437.04,8,none,1,85,1,sacco,2562.49,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2020,rural,female,59,55+,fourth,primary,employed_informal,184.8,2,limited,0,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,male,23,18-24,lowest,secondary,self_employed,755.74,10,good,0,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,61,55+,second,none,employed_informal,143.32,7,limited,0,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,female,28,25-34,second,none,self_employed,61.32,6,none,0,518,1,commercial_bank,3896.67,property,agriculture,1,3728.87,0.214,48,94.27,paid_off,not_applicable,high_burden
Rwanda,2019,urban,female,38,35-44,highest,primary,employed_informal,515.31,5,limited,1,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,male,50,45-54,highest,secondary,farmer,273.75,4,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,female,37,35-44,highest,primary,employed_informal,799.53,8,limited,0,850,1,informal_lender,2601.51,none,consumption,1,2216.29,0.773,12,327.46,current,not_applicable,high_burden
Malawi,2024,rural,male,62,55+,second,primary,self_employed,673.63,10,limited,0,742,1,family_friends,10496.91,none,agriculture,1,9920.31,0.085,48,224.33,current,not_applicable,high_burden
Ghana,2020,rural,male,23,18-24,fourth,primary,employed_formal,337.45,10,none,0,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,female,61,55+,highest,secondary,employed_informal,766.12,5,none,1,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,male,45,35-44,lowest,tertiary,farmer,97.02,7,limited,0,323,1,family_friends,3437.88,equipment,business,1,3047.06,0.085,18,183.67,current,not_applicable,high_burden
Zambia,2023,rural,male,52,45-54,fourth,primary,farmer,321.85,2,none,1,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,female,50,45-54,fourth,secondary,self_employed,683.09,8,limited,0,233,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,female,28,25-34,lowest,secondary,farmer,42.57,1,limited,0,662,1,family_friends,4968.74,property,consumption,1,4595.78,0.038,6,794.97,current,not_applicable,high_burden
Nigeria,2019,urban,female,21,18-24,fourth,secondary,self_employed,753.95,3,none,0,6,1,family_friends,6875.78,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2022,rural,female,51,45-54,highest,none,farmer,886.76,9,good,0,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,64,55+,middle,secondary,employed_formal,222.47,4,none,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,female,57,55+,highest,primary,employed_informal,605.83,8,none,1,762,1,commercial_bank,5007.18,vehicle,education,1,4249.93,0.226,24,217.05,late_30_days,not_applicable,high_burden
Nigeria,2025,urban,female,40,35-44,fourth,tertiary,self_employed,349.41,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,female,28,25-34,highest,secondary,farmer,946.73,7,none,1,556,1,digital_lender,8743.47,guarantor,business,1,8469.04,0.413,48,249.36,paid_off,not_applicable,high_burden
Kenya,2021,rural,male,42,35-44,fourth,none,employed_formal,68.23,7,limited,1,453,1,microfinance,3145.95,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Niger,2020,urban,female,33,25-34,lowest,none,farmer,73.42,8,limited,0,628,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,female,39,35-44,second,secondary,employed_formal,370.5,10,good,0,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,female,68,55+,second,none,employed_formal,198.67,6,none,1,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,female,48,45-54,highest,primary,employed_formal,1534.12,5,none,0,669,1,family_friends,3881.89,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2020,rural,male,52,45-54,middle,secondary,farmer,171.6,3,limited,1,5,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,female,57,55+,fourth,tertiary,unemployed,448.01,1,none,0,233,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,male,26,25-34,lowest,secondary,farmer,40.86,7,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,38,35-44,second,primary,self_employed,72.22,9,good,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,urban,male,20,18-24,highest,primary,self_employed,590.11,4,none,1,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,female,43,35-44,second,primary,self_employed,211.2,6,good,1,292,1,commercial_bank,2316.35,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Rwanda,2025,urban,female,56,55+,second,secondary,self_employed,96.94,8,excellent,0,850,1,sacco,9360.58,equipment,housing,1,8519.8,0.331,12,945.06,current,not_applicable,high_burden
Rwanda,2020,rural,female,44,35-44,middle,primary,employed_informal,78.73,3,none,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,male,36,35-44,fourth,tertiary,employed_formal,617.22,6,limited,1,610,1,microfinance,23754.15,none,business,1,19723.11,0.301,12,2138.23,current,not_applicable,high_burden
Zambia,2024,rural,male,38,35-44,lowest,none,farmer,26.24,4,none,1,293,1,commercial_bank,3588.33,savings,consumption,1,3311.51,0.142,12,315.14,current,not_applicable,high_burden
Mozambique,2018,rural,female,59,55+,second,primary,farmer,453.92,2,limited,0,143,1,sacco,7154.29,guarantor,consumption,1,6957.22,0.351,48,195.79,late_60_days,not_applicable,high_burden
Malawi,2019,rural,male,25,18-24,second,primary,farmer,64.66,4,none,0,279,1,informal_lender,2135.63,none,emergency,1,2001.48,0.798,12,299.84,current,not_applicable,high_burden
Ghana,2019,rural,male,28,25-34,lowest,tertiary,self_employed,30.39,6,limited,0,65,1,informal_lender,1746.94,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2022,urban,female,69,55+,lowest,primary,self_employed,54.33,2,good,1,849,1,family_friends,1372.75,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2024,rural,male,23,18-24,middle,tertiary,self_employed,220.84,7,limited,0,244,1,microfinance,2525.27,savings,asset_purchase,1,2199.83,0.312,12,240.58,late_60_days,not_applicable,high_burden
Zambia,2021,urban,male,20,18-24,fourth,secondary,unemployed,577.23,6,good,1,817,1,informal_lender,6413.53,none,business,1,6159.08,0.777,18,607.96,late_60_days,not_applicable,high_burden
Uganda,2024,urban,female,59,55+,middle,none,employed_formal,603.88,10,none,1,693,1,family_friends,8795.19,guarantor,education,1,7191.04,0.047,24,313.79,current,not_applicable,high_burden
DRC,2020,rural,male,56,55+,middle,none,employed_informal,544.08,9,none,1,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,49,45-54,lowest,secondary,employed_formal,35.4,10,limited,1,538,1,commercial_bank,4059.91,savings,agriculture,1,3918.95,0.164,24,190.12,paid_off,not_applicable,high_burden
Mozambique,2023,urban,female,42,35-44,second,primary,farmer,256.31,8,none,0,0,1,informal_lender,1889.23,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2022,urban,female,66,55+,lowest,primary,employed_informal,116.89,4,none,1,639,1,digital_lender,6863.27,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ethiopia,2019,rural,male,30,25-34,second,none,unemployed,589.0,2,none,0,0,1,informal_lender,6474.92,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
South Africa,2019,urban,male,50,45-54,second,secondary,employed_formal,72.19,9,good,1,99,1,digital_lender,1942.78,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2020,rural,male,49,45-54,lowest,secondary,farmer,115.88,5,none,1,127,1,sacco,4014.85,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2020,rural,female,38,35-44,lowest,tertiary,employed_informal,54.49,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,male,27,25-34,second,primary,unemployed,134.03,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,male,40,35-44,middle,secondary,self_employed,291.33,7,limited,0,708,1,digital_lender,2522.8,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Niger,2018,rural,female,36,35-44,highest,primary,self_employed,550.4,6,limited,0,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,18,18-24,fourth,none,employed_informal,319.65,3,excellent,1,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,female,62,55+,middle,tertiary,self_employed,439.47,7,limited,0,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,urban,female,51,45-54,lowest,secondary,farmer,107.7,1,limited,1,72,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,male,53,45-54,middle,secondary,employed_informal,199.43,6,limited,1,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,urban,female,51,45-54,highest,secondary,employed_informal,498.76,2,none,0,845,1,informal_lender,10352.85,savings,education,1,8663.77,0.77,12,1278.22,paid_off,not_applicable,high_burden
South Africa,2022,urban,female,35,25-34,highest,secondary,unemployed,614.88,1,none,1,189,1,family_friends,3924.57,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2025,rural,male,52,45-54,second,secondary,employed_informal,50.53,5,limited,1,780,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,male,26,25-34,middle,primary,farmer,180.51,5,limited,1,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,female,66,55+,second,none,self_employed,99.65,3,limited,1,194,1,family_friends,7841.62,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2019,rural,female,19,18-24,lowest,primary,self_employed,141.23,6,limited,1,75,1,microfinance,3864.99,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2018,urban,female,24,18-24,lowest,tertiary,employed_informal,56.15,5,none,1,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,male,26,25-34,middle,primary,employed_informal,423.63,7,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,26,25-34,middle,none,unemployed,221.08,1,limited,0,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,male,22,18-24,lowest,primary,unemployed,292.81,3,none,1,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,male,24,18-24,fourth,none,self_employed,264.22,3,none,0,128,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,male,36,35-44,highest,primary,employed_informal,263.45,3,none,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,female,61,55+,fourth,secondary,employed_formal,658.44,10,none,0,625,1,sacco,7070.33,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2023,urban,male,63,55+,second,primary,employed_informal,126.53,10,none,1,451,1,family_friends,3076.03,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2025,urban,female,51,45-54,middle,tertiary,employed_formal,273.25,10,none,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,male,28,25-34,lowest,secondary,unemployed,76.68,1,limited,0,768,1,informal_lender,4212.99,none,education,1,3455.0,0.846,6,1063.01,current,not_applicable,high_burden
South Africa,2019,urban,female,66,55+,middle,tertiary,self_employed,371.22,3,excellent,0,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,male,24,18-24,highest,primary,farmer,527.62,1,none,1,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,urban,male,43,35-44,highest,none,farmer,473.22,5,limited,1,751,1,family_friends,4995.35,none,agriculture,1,4685.93,0.059,18,275.62,current,not_applicable,high_burden
Mozambique,2024,urban,female,28,25-34,second,primary,self_employed,527.93,6,none,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,male,68,55+,second,none,employed_formal,142.9,6,good,1,850,1,commercial_bank,2158.64,none,business,1,2106.57,0.219,6,427.81,current,not_applicable,high_burden
Tanzania,2019,rural,male,33,25-34,fourth,secondary,farmer,229.57,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,female,40,35-44,middle,primary,employed_informal,129.97,8,good,1,850,1,microfinance,5416.28,none,consumption,1,4758.06,0.331,12,527.87,late_60_days,not_applicable,high_burden
Zambia,2023,urban,male,66,55+,highest,none,employed_informal,513.14,6,excellent,0,789,1,microfinance,12539.0,savings,education,1,10890.4,0.351,6,2452.38,current,not_applicable,high_burden
Rwanda,2018,rural,female,61,55+,second,secondary,employed_formal,14.66,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,50,45-54,fourth,secondary,employed_informal,725.82,7,limited,0,325,1,informal_lender,5394.26,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2025,rural,female,26,25-34,fourth,tertiary,employed_formal,153.88,10,limited,1,574,1,digital_lender,1620.35,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2019,urban,male,32,25-34,lowest,primary,employed_formal,144.31,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,urban,female,42,35-44,second,primary,unemployed,362.59,2,limited,1,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,female,68,55+,second,primary,farmer,122.92,2,limited,1,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,20,18-24,fourth,primary,unemployed,505.76,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,male,56,55+,second,none,self_employed,30.3,2,good,0,91,1,microfinance,1703.15,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2021,urban,female,25,18-24,highest,none,employed_formal,315.73,10,good,1,230,1,microfinance,4290.61,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2022,urban,male,30,25-34,middle,primary,employed_informal,222.92,7,none,1,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,male,45,35-44,middle,primary,self_employed,275.0,7,good,1,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,female,66,55+,lowest,secondary,employed_formal,30.62,9,none,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,female,28,25-34,fourth,secondary,employed_informal,678.59,9,good,0,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,male,64,55+,lowest,tertiary,self_employed,95.64,9,good,1,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,female,52,45-54,middle,secondary,self_employed,197.05,4,none,1,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,female,33,25-34,lowest,secondary,employed_informal,83.03,6,limited,0,565,1,sacco,3518.59,none,agriculture,1,2897.98,0.346,24,162.52,paid_off,not_applicable,high_burden
Ethiopia,2020,rural,male,41,35-44,highest,secondary,farmer,78.0,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,rural,female,37,35-44,lowest,none,employed_informal,40.6,1,none,0,0,1,sacco,4735.48,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2025,urban,female,66,55+,middle,secondary,farmer,1153.65,3,none,1,77,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,female,21,18-24,middle,secondary,self_employed,447.38,2,none,0,0,1,microfinance,9968.31,property,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2025,rural,male,60,55+,middle,primary,self_employed,916.18,4,limited,0,780,1,microfinance,7983.58,none,business,1,7049.11,0.274,12,748.59,current,not_applicable,high_burden
Mozambique,2023,urban,male,32,25-34,second,secondary,self_employed,497.37,7,none,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,female,41,35-44,highest,primary,self_employed,1239.61,4,none,0,219,1,commercial_bank,5185.96,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2020,rural,female,30,25-34,fourth,primary,employed_informal,356.29,6,none,0,328,1,informal_lender,3829.18,guarantor,business,1,3696.58,0.818,18,373.33,current,not_applicable,high_burden
Rwanda,2022,rural,male,53,45-54,lowest,tertiary,farmer,88.46,7,limited,1,61,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,male,45,35-44,lowest,none,farmer,17.68,1,limited,1,3,1,digital_lender,786.49,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2022,rural,male,68,55+,highest,tertiary,self_employed,1559.9,8,none,1,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,female,41,35-44,highest,primary,self_employed,966.5,5,none,1,742,1,microfinance,3029.5,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2018,urban,female,41,35-44,second,none,unemployed,214.38,1,none,1,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,male,18,18-24,lowest,secondary,self_employed,58.64,6,excellent,1,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,female,40,35-44,highest,primary,unemployed,924.66,3,none,1,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,male,37,35-44,second,none,employed_informal,130.18,4,good,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,urban,female,18,18-24,lowest,secondary,self_employed,75.56,5,none,1,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,urban,female,27,25-34,second,none,self_employed,450.41,8,none,0,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,29,25-34,highest,tertiary,self_employed,769.09,9,excellent,1,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,male,58,55+,second,primary,employed_informal,169.23,6,good,0,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,female,69,55+,middle,secondary,unemployed,280.58,1,limited,0,792,1,digital_lender,3591.71,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
DRC,2025,rural,male,21,18-24,highest,none,unemployed,883.5,2,good,1,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,female,29,25-34,middle,none,farmer,403.08,3,limited,1,545,1,digital_lender,17729.33,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2019,urban,female,63,55+,lowest,primary,farmer,121.93,2,good,0,182,1,family_friends,4222.08,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2023,rural,female,62,55+,second,primary,farmer,238.23,2,limited,0,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,male,27,25-34,second,secondary,self_employed,104.11,8,limited,0,463,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,female,47,45-54,lowest,primary,employed_formal,88.83,9,limited,1,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,urban,female,53,45-54,second,primary,unemployed,82.65,2,none,0,692,1,family_friends,2428.75,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2024,rural,male,33,25-34,middle,secondary,employed_formal,696.62,10,limited,1,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,male,31,25-34,middle,none,self_employed,236.15,3,good,1,82,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,female,50,45-54,middle,secondary,employed_informal,228.11,6,limited,1,751,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,female,18,18-24,fourth,secondary,farmer,770.17,7,limited,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,male,35,25-34,fourth,secondary,farmer,798.04,4,none,1,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,female,57,55+,second,primary,employed_informal,181.71,6,good,0,656,1,informal_lender,6241.74,vehicle,agriculture,1,5870.26,0.843,24,450.7,defaulted,not_applicable,high_burden
South Africa,2019,urban,male,58,55+,fourth,secondary,self_employed,277.14,5,excellent,0,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,female,58,55+,lowest,primary,self_employed,66.59,1,none,0,591,1,digital_lender,1867.41,guarantor,emergency,1,1578.76,0.493,12,196.4,current,not_applicable,high_burden
Zambia,2021,urban,male,34,25-34,fourth,primary,employed_informal,390.95,1,none,0,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,urban,female,62,55+,middle,tertiary,employed_informal,223.74,3,none,1,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,male,55,45-54,fourth,secondary,unemployed,905.25,1,limited,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,female,35,25-34,middle,tertiary,unemployed,225.2,1,none,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,female,66,55+,fourth,secondary,self_employed,511.76,2,excellent,0,195,1,sacco,5486.58,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2020,urban,male,37,35-44,fourth,secondary,self_employed,161.19,8,good,1,218,1,microfinance,4596.26,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2021,rural,male,25,18-24,middle,secondary,employed_informal,252.88,1,limited,1,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,female,67,55+,lowest,primary,employed_informal,90.95,9,none,0,399,1,informal_lender,979.38,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2025,rural,female,37,35-44,lowest,primary,farmer,67.02,4,good,0,455,1,microfinance,3704.51,none,asset_purchase,1,3413.09,0.295,24,184.18,current,not_applicable,high_burden
Zambia,2019,urban,male,40,35-44,second,secondary,employed_formal,253.74,10,limited,0,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,male,69,55+,second,primary,farmer,109.34,10,none,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,female,24,18-24,fourth,primary,employed_informal,336.84,2,none,1,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,male,18,18-24,second,secondary,self_employed,328.11,2,limited,1,637,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,48,45-54,fourth,secondary,self_employed,144.38,5,none,1,0,1,microfinance,3002.26,none,emergency,1,2674.44,0.275,12,284.18,current,not_applicable,high_burden
Rwanda,2019,rural,male,48,45-54,second,tertiary,employed_formal,76.95,8,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,female,58,55+,middle,tertiary,employed_formal,148.98,7,none,0,624,1,microfinance,1591.09,equipment,consumption,1,1480.79,0.306,12,161.12,defaulted,not_applicable,high_burden
Malawi,2018,rural,male,23,18-24,highest,primary,self_employed,4119.04,5,limited,0,850,1,commercial_bank,4863.25,none,business,1,4629.86,0.195,6,921.75,current,not_applicable,high_burden
Kenya,2020,rural,male,28,25-34,middle,secondary,self_employed,423.83,8,none,1,270,1,sacco,10154.19,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2025,urban,male,27,25-34,middle,none,farmer,134.56,10,none,0,0,1,family_friends,2349.92,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2023,urban,male,29,25-34,lowest,none,employed_formal,48.04,4,limited,1,714,1,commercial_bank,1669.53,none,education,1,1556.28,0.164,12,150.95,current,not_applicable,high_burden
Rwanda,2023,urban,male,52,45-54,fourth,none,self_employed,751.84,7,none,1,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,female,36,35-44,lowest,secondary,unemployed,58.26,4,good,0,261,1,digital_lender,1560.48,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Nigeria,2025,rural,male,28,25-34,middle,secondary,employed_formal,117.05,10,none,1,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,urban,female,59,55+,lowest,none,self_employed,247.53,7,limited,0,375,1,family_friends,3872.23,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2022,rural,female,58,55+,highest,primary,self_employed,798.65,6,limited,0,423,1,sacco,14163.4,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2019,urban,female,66,55+,second,none,farmer,53.05,8,limited,0,131,1,family_friends,5969.83,savings,education,1,5607.06,0.093,12,510.92,paid_off,not_applicable,high_burden
Ghana,2019,rural,female,67,55+,second,none,self_employed,145.05,6,none,0,0,1,informal_lender,2260.74,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2021,rural,male,43,35-44,middle,none,self_employed,344.23,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,male,42,35-44,second,tertiary,self_employed,231.78,9,good,1,122,1,microfinance,1647.79,none,consumption,1,1593.17,0.286,12,170.79,current,not_applicable,high_burden
Senegal,2024,urban,male,24,18-24,middle,primary,unemployed,616.5,1,none,0,63,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,rural,male,66,55+,second,primary,employed_formal,356.78,10,none,1,155,1,commercial_bank,7086.58,savings,agriculture,1,5683.41,0.145,18,361.53,current,not_applicable,high_burden
Mali,2018,rural,male,20,18-24,lowest,secondary,unemployed,41.11,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,female,43,35-44,lowest,none,employed_informal,119.83,6,limited,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,male,64,55+,fourth,none,employed_formal,388.42,10,good,0,167,1,microfinance,10755.05,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2021,rural,male,66,55+,lowest,tertiary,self_employed,39.87,9,limited,0,261,1,digital_lender,1451.97,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Uganda,2022,rural,male,25,18-24,lowest,primary,farmer,32.97,7,limited,0,727,1,microfinance,3339.3,none,business,1,2736.58,0.359,12,309.82,defaulted,not_applicable,high_burden
Senegal,2025,urban,male,26,25-34,second,secondary,employed_informal,377.33,10,good,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,male,49,45-54,lowest,primary,self_employed,36.35,8,limited,0,376,1,informal_lender,1899.19,property,consumption,1,1681.24,0.761,36,82.23,late_30_days,not_applicable,high_burden
Mozambique,2020,rural,female,35,25-34,highest,secondary,employed_formal,2098.72,9,none,0,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,male,31,25-34,lowest,tertiary,self_employed,30.73,1,none,0,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,female,62,55+,second,primary,farmer,362.86,1,good,1,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,male,58,55+,second,primary,self_employed,276.05,6,limited,0,691,1,informal_lender,7964.72,property,agriculture,1,6916.33,0.818,18,698.53,current,not_applicable,high_burden
Ghana,2023,rural,female,37,35-44,second,primary,self_employed,547.34,1,good,0,765,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,female,43,35-44,fourth,none,self_employed,973.23,8,limited,0,177,1,sacco,7860.32,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2020,urban,female,66,55+,second,secondary,self_employed,193.74,6,good,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,male,18,18-24,fourth,primary,farmer,885.58,8,none,1,643,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,female,52,45-54,highest,tertiary,self_employed,911.58,7,limited,0,206,1,microfinance,2599.71,guarantor,business,1,2546.69,0.362,24,144.51,current,not_applicable,high_burden
Malawi,2025,rural,male,26,25-34,lowest,primary,employed_informal,88.95,3,limited,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,male,24,18-24,middle,primary,self_employed,85.33,1,limited,1,765,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,female,49,45-54,second,tertiary,employed_informal,104.96,7,good,1,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,male,63,55+,middle,none,employed_informal,203.39,10,limited,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,male,60,55+,middle,secondary,self_employed,194.07,10,good,1,726,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,male,60,55+,highest,secondary,employed_informal,272.27,4,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,20,18-24,second,primary,unemployed,150.84,4,limited,1,679,1,family_friends,3733.0,savings,asset_purchase,1,3199.51,0.091,24,145.45,current,not_applicable,high_burden
DRC,2025,rural,female,39,35-44,highest,tertiary,unemployed,588.66,1,good,0,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,male,60,55+,lowest,primary,employed_formal,74.65,6,good,1,436,1,employer,1515.93,none,business,1,1488.46,0.049,36,43.37,current,not_applicable,high_burden
Senegal,2025,rural,male,20,18-24,lowest,primary,employed_informal,18.82,7,excellent,1,767,1,informal_lender,395.25,guarantor,business,1,388.19,0.84,12,59.52,current,not_applicable,high_burden
South Africa,2025,urban,female,53,45-54,fourth,primary,farmer,938.65,9,excellent,0,155,1,informal_lender,6629.72,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2025,rural,female,44,35-44,middle,secondary,farmer,296.55,7,none,0,592,1,digital_lender,5574.22,none,emergency,1,4531.84,0.468,12,554.51,late_60_days,not_applicable,high_burden
Uganda,2018,rural,male,65,55+,lowest,tertiary,self_employed,24.57,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,20,18-24,highest,tertiary,farmer,645.78,8,limited,0,850,1,digital_lender,20658.61,none,housing,1,18928.69,0.488,24,1173.79,paid_off,not_applicable,high_burden
Senegal,2023,rural,female,56,55+,second,secondary,employed_informal,530.09,1,none,1,529,1,commercial_bank,4957.75,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2024,urban,male,32,25-34,fourth,none,unemployed,501.56,2,none,0,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,female,52,45-54,fourth,primary,farmer,142.06,10,limited,0,492,1,family_friends,3044.67,vehicle,education,1,2909.7,0.074,12,260.43,current,not_applicable,high_burden
Uganda,2022,rural,male,33,25-34,middle,secondary,employed_informal,80.06,2,limited,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,female,24,18-24,fourth,primary,unemployed,210.6,1,good,1,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,female,38,35-44,fourth,secondary,self_employed,104.48,10,excellent,0,637,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,female,42,35-44,fourth,primary,self_employed,541.62,8,none,0,594,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,male,55,45-54,lowest,primary,employed_formal,43.44,4,none,0,118,1,employer,2453.78,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2019,rural,female,51,45-54,fourth,none,employed_formal,125.59,9,limited,1,70,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,male,43,35-44,highest,primary,employed_formal,475.54,8,none,1,721,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,female,56,55+,highest,primary,employed_formal,570.89,10,none,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,urban,female,55,45-54,lowest,none,farmer,50.13,4,excellent,0,850,1,microfinance,5352.19,none,education,1,5145.29,0.341,24,287.49,current,not_applicable,high_burden
Ethiopia,2021,rural,male,30,25-34,highest,primary,employed_informal,430.19,1,none,0,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,male,67,55+,lowest,secondary,unemployed,61.71,1,limited,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,male,69,55+,fourth,secondary,unemployed,735.67,3,none,1,56,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,female,45,35-44,fourth,secondary,employed_informal,343.85,3,none,1,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,male,51,45-54,middle,secondary,self_employed,229.79,6,none,0,343,1,sacco,5939.48,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2019,urban,female,44,35-44,highest,primary,employed_informal,544.34,3,none,0,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,urban,male,34,25-34,lowest,tertiary,farmer,247.87,3,limited,0,472,1,digital_lender,5844.01,none,asset_purchase,1,4852.44,0.419,12,573.86,paid_off,not_applicable,high_burden
Mali,2018,rural,male,58,55+,middle,primary,employed_formal,130.23,5,excellent,0,638,1,sacco,5290.46,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2019,urban,female,63,55+,lowest,tertiary,farmer,181.71,7,good,0,217,1,family_friends,6386.53,none,business,1,5303.61,0.024,24,226.38,late_60_days,not_applicable,high_burden
Mozambique,2024,urban,male,21,18-24,second,none,farmer,169.37,6,none,1,534,1,microfinance,6863.23,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2021,urban,female,45,35-44,highest,tertiary,unemployed,607.42,4,excellent,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,male,31,25-34,second,secondary,self_employed,155.72,3,limited,1,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,urban,female,64,55+,fourth,primary,employed_formal,1700.85,10,limited,1,754,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,female,40,35-44,highest,tertiary,employed_informal,789.89,8,limited,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,male,53,45-54,second,secondary,employed_informal,372.7,9,none,1,330,1,commercial_bank,3462.63,savings,agriculture,1,2822.78,0.225,18,192.1,current,not_applicable,high_burden
Malawi,2018,rural,female,54,45-54,fourth,secondary,self_employed,481.84,3,good,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,male,39,35-44,middle,tertiary,unemployed,64.02,3,none,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,male,35,25-34,middle,secondary,farmer,149.06,9,limited,0,550,1,informal_lender,7666.67,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2022,rural,female,19,18-24,lowest,none,employed_informal,144.25,3,limited,0,408,1,digital_lender,1934.27,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2021,urban,female,66,55+,lowest,primary,self_employed,63.6,8,none,0,0,1,sacco,1098.23,none,emergency,1,921.02,0.285,12,98.61,current,not_applicable,high_burden
Malawi,2020,urban,female,45,35-44,fourth,secondary,employed_formal,744.05,10,limited,0,230,1,microfinance,3328.17,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2021,rural,female,30,25-34,highest,secondary,employed_formal,561.59,10,good,0,681,1,commercial_bank,27448.2,none,housing,1,22588.0,0.138,12,2141.73,late_30_days,not_applicable,high_burden
Kenya,2025,urban,female,40,35-44,middle,tertiary,employed_informal,346.3,4,limited,1,177,1,digital_lender,6887.91,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2023,urban,male,34,25-34,highest,secondary,employed_informal,725.85,10,limited,1,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,female,37,35-44,lowest,none,farmer,85.46,4,none,0,0,1,informal_lender,6900.97,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2023,urban,female,63,55+,middle,none,self_employed,192.31,7,limited,0,571,1,employer,6154.01,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2025,rural,female,56,55+,lowest,secondary,unemployed,270.13,6,none,0,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,male,33,25-34,lowest,none,farmer,46.94,7,none,1,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,male,57,55+,middle,secondary,farmer,322.07,1,none,1,426,1,informal_lender,4055.37,none,business,1,3521.52,0.797,12,527.41,late_60_days,not_applicable,high_burden
Tanzania,2018,rural,female,46,45-54,highest,secondary,employed_informal,977.75,3,none,1,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,male,28,25-34,fourth,secondary,employed_informal,867.65,2,good,1,850,1,sacco,11774.46,savings,agriculture,1,10294.46,0.353,6,2321.77,current,not_applicable,high_burden
Niger,2020,urban,male,20,18-24,fourth,none,employed_informal,663.27,1,none,1,289,1,microfinance,5219.34,savings,agriculture,1,4786.63,0.34,12,534.4,current,not_applicable,high_burden
Nigeria,2021,rural,male,27,25-34,fourth,secondary,self_employed,892.83,2,good,1,533,1,commercial_bank,4238.58,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2024,urban,female,29,25-34,fourth,none,unemployed,574.04,1,none,1,0,1,microfinance,3062.42,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mali,2022,rural,female,67,55+,highest,secondary,self_employed,1224.3,6,excellent,0,485,1,family_friends,17178.55,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2022,rural,female,49,45-54,second,secondary,employed_formal,110.43,10,none,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,male,64,55+,second,primary,employed_informal,681.45,1,limited,0,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,male,21,18-24,second,secondary,employed_informal,349.05,2,limited,1,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,female,62,55+,fourth,primary,employed_informal,287.89,9,none,1,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,male,66,55+,highest,tertiary,farmer,378.91,8,good,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,female,35,25-34,fourth,none,farmer,412.73,6,limited,0,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,55,45-54,highest,none,unemployed,854.03,2,good,0,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,female,66,55+,fourth,secondary,employed_informal,1160.11,6,limited,1,669,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,68,55+,middle,primary,self_employed,190.86,9,limited,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,female,27,25-34,middle,none,self_employed,343.22,1,none,1,60,1,informal_lender,9052.8,property,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Senegal,2022,rural,female,47,45-54,highest,secondary,employed_informal,412.56,6,good,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,female,68,55+,second,secondary,self_employed,242.12,2,good,0,553,1,microfinance,2880.46,savings,agriculture,1,2578.6,0.279,12,274.75,late_30_days,not_applicable,high_burden
Mali,2024,urban,female,55,45-54,middle,none,farmer,438.11,8,excellent,0,549,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,female,44,35-44,middle,secondary,farmer,90.41,5,limited,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,36,35-44,second,none,employed_formal,216.22,10,limited,1,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,female,35,25-34,lowest,primary,self_employed,74.5,7,limited,0,337,1,informal_lender,1420.21,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2018,urban,male,28,25-34,lowest,secondary,farmer,167.87,3,limited,0,98,1,informal_lender,2175.44,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2018,rural,female,19,18-24,fourth,secondary,employed_formal,299.13,4,good,0,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,urban,female,30,25-34,second,none,employed_formal,297.35,5,good,1,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,male,67,55+,middle,primary,self_employed,171.35,8,none,1,51,1,informal_lender,2413.25,none,agriculture,1,1947.18,0.825,24,148.08,late_30_days,not_applicable,high_burden
Ghana,2022,rural,female,55,45-54,highest,primary,employed_formal,663.9,4,limited,1,788,1,family_friends,11055.21,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2022,rural,female,38,35-44,second,secondary,employed_informal,246.25,7,good,0,314,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,female,68,55+,middle,secondary,unemployed,180.23,1,limited,1,752,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,39,35-44,highest,primary,self_employed,663.3,3,limited,0,158,1,family_friends,5745.2,none,agriculture,1,5090.07,0.063,18,300.68,current,not_applicable,high_burden
Rwanda,2019,rural,female,34,25-34,second,primary,farmer,216.2,10,none,0,0,1,family_friends,4355.12,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2024,urban,female,55,45-54,second,primary,self_employed,221.63,2,excellent,0,517,1,digital_lender,10784.61,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2019,rural,male,60,55+,highest,tertiary,employed_informal,1059.93,4,none,0,162,1,informal_lender,5111.18,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2020,rural,female,54,45-54,second,primary,farmer,52.18,4,limited,0,53,1,family_friends,2707.85,equipment,business,1,2364.9,0.038,24,102.25,late_30_days,not_applicable,high_burden
Malawi,2023,urban,male,23,18-24,second,tertiary,farmer,123.21,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,male,57,55+,second,primary,farmer,254.32,6,none,1,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,23,18-24,fourth,secondary,unemployed,157.25,1,good,0,799,1,digital_lender,3425.34,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2024,rural,male,43,35-44,second,secondary,unemployed,130.46,3,none,1,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,female,55,45-54,middle,secondary,employed_formal,246.59,4,limited,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,male,23,18-24,second,primary,farmer,158.92,4,limited,0,435,1,family_friends,1705.78,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2020,rural,female,69,55+,second,primary,farmer,319.31,10,limited,0,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,urban,female,26,25-34,fourth,none,self_employed,922.88,9,none,1,0,1,commercial_bank,5036.74,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2020,rural,female,58,55+,fourth,primary,employed_informal,104.86,5,none,0,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,51,45-54,lowest,primary,employed_informal,47.92,10,limited,1,714,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,male,60,55+,lowest,secondary,employed_informal,50.57,1,none,0,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,rural,male,49,45-54,fourth,secondary,unemployed,224.63,1,none,0,624,1,sacco,3898.33,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
South Africa,2022,urban,male,56,55+,fourth,tertiary,employed_informal,573.34,6,limited,0,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,rural,male,37,35-44,highest,secondary,employed_formal,571.62,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,51,45-54,middle,primary,self_employed,268.86,6,limited,0,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,female,45,35-44,lowest,tertiary,farmer,61.24,9,good,0,822,1,informal_lender,3262.96,equipment,consumption,1,2876.16,0.825,12,437.36,current,not_applicable,high_burden
South Africa,2025,rural,male,48,45-54,fourth,secondary,farmer,553.96,3,limited,1,134,1,commercial_bank,7174.17,guarantor,housing,1,6228.52,0.192,12,618.62,current,not_applicable,high_burden
Ghana,2023,rural,female,35,25-34,second,primary,farmer,67.46,8,good,0,237,1,employer,4374.14,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2019,rural,female,67,55+,second,primary,employed_informal,294.99,5,none,0,110,1,family_friends,16611.55,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2023,urban,male,55,45-54,lowest,secondary,farmer,62.82,8,good,1,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,female,32,25-34,lowest,primary,farmer,71.12,3,good,1,131,1,commercial_bank,3468.53,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2024,urban,male,51,45-54,lowest,primary,employed_informal,195.48,5,limited,1,123,1,informal_lender,5150.63,vehicle,asset_purchase,1,5020.29,0.768,18,493.04,current,not_applicable,high_burden
DRC,2022,rural,female,31,25-34,lowest,secondary,employed_informal,50.87,3,limited,0,843,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,male,24,18-24,lowest,primary,self_employed,152.13,4,limited,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,male,40,35-44,fourth,secondary,employed_formal,1998.16,7,none,0,399,1,family_friends,14952.83,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2020,urban,female,29,25-34,middle,primary,unemployed,90.42,4,limited,0,805,1,informal_lender,2546.46,property,education,1,2257.16,0.823,12,342.94,current,not_applicable,high_burden
Malawi,2021,urban,male,49,45-54,lowest,primary,self_employed,50.02,10,none,0,535,1,informal_lender,2603.24,none,consumption,1,2157.31,0.831,6,658.32,late_30_days,not_applicable,high_burden
Senegal,2023,urban,female,43,35-44,highest,primary,employed_formal,823.71,7,good,0,544,1,informal_lender,4316.16,none,agriculture,1,3589.84,0.753,18,349.64,current,not_applicable,high_burden
Senegal,2025,urban,male,53,45-54,fourth,none,employed_formal,681.6,10,excellent,0,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,urban,male,47,45-54,second,none,self_employed,106.14,8,none,1,373,1,informal_lender,6800.31,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2021,rural,female,55,45-54,highest,secondary,employed_informal,465.02,3,limited,1,184,1,sacco,22471.26,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2023,urban,female,54,45-54,middle,secondary,self_employed,356.86,2,limited,0,722,1,family_friends,4579.56,savings,asset_purchase,1,3695.92,0.018,24,156.77,paid_off,not_applicable,high_burden
Niger,2018,urban,female,38,35-44,lowest,secondary,employed_formal,81.62,6,good,1,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,female,33,25-34,fourth,primary,self_employed,705.97,2,none,0,638,1,informal_lender,9049.75,property,agriculture,1,8743.91,0.839,18,893.32,current,not_applicable,high_burden
Mozambique,2018,urban,female,51,45-54,second,none,self_employed,160.26,7,none,0,256,1,family_friends,2489.57,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2021,urban,female,41,35-44,fourth,none,employed_informal,208.61,7,none,0,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,male,58,55+,highest,secondary,employed_informal,1493.47,3,limited,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,female,21,18-24,second,primary,employed_formal,146.84,9,limited,0,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,male,18,18-24,lowest,primary,employed_formal,222.96,10,good,1,717,1,commercial_bank,1227.67,none,agriculture,1,1016.95,0.135,12,96.16,late_60_days,not_applicable,high_burden
Uganda,2025,rural,female,31,25-34,second,secondary,self_employed,221.88,9,excellent,0,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,rural,male,43,35-44,middle,none,self_employed,426.67,1,none,0,699,1,family_friends,5644.1,guarantor,asset_purchase,1,5338.59,0.035,12,460.6,late_30_days,not_applicable,high_burden
Ghana,2018,rural,female,57,55+,second,secondary,farmer,169.93,3,none,0,32,1,family_friends,5497.67,property,debt_consolidation,1,5228.38,0.037,24,225.93,late_30_days,not_applicable,high_burden
Mozambique,2023,rural,female,65,55+,fourth,primary,self_employed,566.8,6,none,0,503,1,family_friends,8520.39,savings,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2018,rural,male,21,18-24,highest,none,employed_formal,976.99,9,limited,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,29,25-34,middle,primary,employed_informal,86.35,8,none,0,285,1,digital_lender,1624.46,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2018,rural,female,56,55+,lowest,tertiary,employed_informal,248.79,10,good,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,43,35-44,lowest,tertiary,self_employed,176.12,1,none,0,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,61,55+,lowest,none,self_employed,173.71,1,excellent,1,738,1,sacco,2212.53,property,agriculture,1,1913.69,0.366,12,217.88,late_30_days,not_applicable,high_burden
South Africa,2020,rural,female,64,55+,second,tertiary,self_employed,206.76,10,none,0,74,1,digital_lender,4951.22,guarantor,business,1,4698.81,0.485,24,290.68,paid_off,not_applicable,high_burden
DRC,2021,rural,female,57,55+,fourth,secondary,self_employed,332.58,5,none,1,301,1,digital_lender,15479.39,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2025,urban,female,29,25-34,middle,none,employed_informal,298.54,10,limited,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,female,41,35-44,lowest,primary,farmer,141.17,5,limited,1,723,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,female,69,55+,fourth,tertiary,farmer,108.85,3,limited,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,male,36,35-44,fourth,secondary,unemployed,376.89,1,excellent,0,834,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,45,35-44,fourth,none,unemployed,269.77,1,limited,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,male,22,18-24,middle,primary,employed_formal,416.7,8,excellent,0,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,male,60,55+,second,secondary,employed_formal,111.24,10,limited,0,79,1,family_friends,2262.63,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2022,urban,male,50,45-54,lowest,primary,self_employed,65.17,5,limited,1,679,1,microfinance,1746.99,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2024,urban,male,65,55+,fourth,tertiary,employed_formal,532.34,4,limited,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,female,35,25-34,fourth,tertiary,farmer,656.13,8,good,0,271,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,female,62,55+,middle,none,self_employed,82.45,1,good,0,850,1,informal_lender,7734.64,savings,agriculture,1,7011.3,0.809,12,1056.91,late_60_days,not_applicable,high_burden
Malawi,2020,urban,male,68,55+,second,primary,self_employed,273.88,4,none,1,36,1,employer,4416.6,none,business,1,4238.77,0.063,24,187.77,current,not_applicable,high_burden
Tanzania,2023,urban,male,57,55+,lowest,secondary,employed_formal,119.58,7,good,1,186,1,commercial_bank,4245.97,savings,agriculture,1,3414.3,0.2,12,341.5,late_60_days,not_applicable,high_burden
South Africa,2025,rural,female,44,35-44,fourth,tertiary,farmer,818.08,8,excellent,1,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,female,19,18-24,lowest,primary,unemployed,40.25,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,female,50,45-54,second,primary,employed_informal,119.06,6,none,1,317,1,family_friends,5215.79,guarantor,agriculture,1,4262.94,0.003,12,356.18,current,not_applicable,high_burden
Niger,2022,urban,female,68,55+,fourth,secondary,employed_informal,702.65,5,none,0,353,1,microfinance,6616.86,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2025,rural,female,58,55+,highest,none,employed_informal,268.33,4,limited,1,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,female,63,55+,middle,primary,unemployed,108.06,4,good,0,789,1,microfinance,3453.98,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2019,urban,female,18,18-24,fourth,secondary,farmer,608.77,3,none,0,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,female,48,45-54,second,secondary,employed_informal,61.02,6,none,0,641,1,informal_lender,1336.35,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2024,rural,female,35,25-34,middle,secondary,unemployed,85.93,4,limited,1,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,63,55+,second,primary,self_employed,69.9,1,none,0,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,female,38,35-44,lowest,none,unemployed,67.6,1,good,1,726,1,family_friends,1540.7,guarantor,agriculture,1,1455.76,0.001,24,60.73,current,not_applicable,high_burden
DRC,2024,urban,female,37,35-44,second,none,self_employed,267.39,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,female,22,18-24,fourth,none,self_employed,342.04,1,good,0,122,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,female,42,35-44,fourth,none,employed_formal,616.27,7,good,1,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,female,47,45-54,second,primary,self_employed,95.94,5,limited,1,411,1,microfinance,2738.75,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2020,urban,male,41,35-44,middle,primary,farmer,87.58,1,none,1,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,female,30,25-34,second,none,self_employed,93.07,5,none,1,463,1,commercial_bank,1830.07,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2024,urban,female,23,18-24,lowest,secondary,employed_informal,42.48,10,none,0,646,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,urban,male,42,35-44,middle,tertiary,unemployed,146.44,5,none,0,171,1,family_friends,1754.38,none,asset_purchase,1,1745.15,0.084,36,52.56,current,not_applicable,high_burden
Ghana,2018,urban,male,65,55+,second,tertiary,farmer,729.78,10,none,0,317,1,microfinance,1643.96,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2020,rural,male,46,45-54,highest,secondary,self_employed,399.96,2,limited,0,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,male,36,35-44,fourth,primary,farmer,635.53,8,limited,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,male,50,45-54,middle,secondary,farmer,345.87,6,limited,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,female,23,18-24,lowest,secondary,farmer,134.69,3,limited,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,male,63,55+,fourth,tertiary,employed_formal,479.22,10,none,0,337,1,family_friends,10451.85,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2023,rural,female,59,55+,second,primary,farmer,205.88,9,limited,0,2,1,employer,3165.85,none,business,1,2855.19,0.075,6,511.52,current,not_applicable,high_burden
Senegal,2023,urban,male,69,55+,lowest,secondary,employed_informal,454.46,3,none,1,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,female,47,45-54,second,secondary,self_employed,880.29,8,excellent,0,650,1,microfinance,4723.51,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2024,rural,male,35,25-34,fourth,primary,employed_informal,1101.01,5,good,1,426,1,digital_lender,4688.22,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2019,urban,female,63,55+,second,tertiary,self_employed,84.83,9,none,0,531,1,family_friends,1203.63,property,housing,1,1128.11,0.032,12,96.97,paid_off,not_applicable,high_burden
Ghana,2023,rural,male,27,25-34,middle,primary,employed_informal,138.51,5,limited,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,24,18-24,lowest,primary,employed_formal,41.95,10,none,0,671,1,family_friends,877.8,guarantor,emergency,1,817.12,0.004,24,34.18,current,not_applicable,high_burden
Uganda,2025,rural,male,50,45-54,middle,primary,self_employed,86.47,7,excellent,0,674,1,family_friends,3450.1,savings,agriculture,1,3030.12,0.052,12,265.73,current,not_applicable,high_burden
Tanzania,2025,rural,male,38,35-44,lowest,secondary,employed_formal,55.42,5,good,1,599,1,commercial_bank,2404.13,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2022,urban,female,53,45-54,fourth,secondary,employed_informal,442.66,8,none,0,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,male,64,55+,highest,primary,unemployed,1304.22,1,limited,0,116,1,family_friends,15204.4,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2018,rural,male,56,55+,lowest,secondary,employed_informal,7.44,2,good,1,154,1,digital_lender,1370.11,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2025,urban,female,30,25-34,highest,primary,employed_informal,1957.92,3,good,1,850,1,digital_lender,5604.29,equipment,asset_purchase,1,5106.11,0.474,36,209.07,current,not_applicable,high_burden
Ethiopia,2025,rural,female,18,18-24,middle,primary,farmer,152.74,10,limited,0,406,1,microfinance,2328.97,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2022,rural,male,54,45-54,fourth,primary,employed_informal,742.98,10,none,0,425,1,informal_lender,6389.35,savings,housing,1,6141.06,0.775,24,454.16,late_30_days,not_applicable,high_burden
Ethiopia,2019,urban,female,38,35-44,lowest,tertiary,farmer,109.3,5,limited,0,716,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,male,19,18-24,second,primary,employed_formal,311.78,9,limited,1,225,1,microfinance,6069.69,property,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2025,urban,female,56,55+,fourth,secondary,employed_informal,646.24,8,good,1,637,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,female,25,18-24,fourth,none,self_employed,172.98,1,good,0,829,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,female,50,45-54,lowest,tertiary,self_employed,46.01,5,good,1,339,1,informal_lender,2903.54,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mali,2022,rural,female,39,35-44,second,primary,employed_formal,128.07,10,none,0,273,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,female,37,35-44,middle,primary,employed_formal,50.41,6,limited,1,276,1,commercial_bank,2676.53,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2022,urban,female,48,45-54,fourth,secondary,self_employed,234.75,9,limited,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,19,18-24,lowest,primary,farmer,59.74,8,none,0,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,urban,female,60,55+,second,none,employed_formal,168.96,10,excellent,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,male,50,45-54,lowest,none,unemployed,112.42,1,none,0,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,male,36,35-44,second,primary,unemployed,52.51,6,none,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,female,19,18-24,highest,secondary,employed_informal,1081.47,3,none,0,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,male,36,35-44,second,secondary,unemployed,433.43,1,good,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,32,25-34,middle,primary,unemployed,90.54,6,limited,1,842,1,commercial_bank,4549.13,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2020,rural,female,46,45-54,highest,secondary,employed_informal,366.89,1,none,0,584,1,microfinance,10227.32,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2020,rural,female,46,45-54,middle,secondary,unemployed,320.55,1,none,1,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,urban,male,32,25-34,highest,secondary,employed_informal,966.24,6,none,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,female,59,55+,lowest,secondary,employed_formal,59.09,10,none,0,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,62,55+,second,primary,self_employed,93.95,7,none,1,555,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,male,22,18-24,second,tertiary,employed_formal,137.23,8,excellent,1,511,1,digital_lender,3963.11,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Senegal,2019,urban,female,34,25-34,middle,primary,farmer,496.21,8,none,1,586,1,commercial_bank,4465.55,none,consumption,1,4454.3,0.158,24,214.93,current,not_applicable,high_burden
Mozambique,2021,rural,male,67,55+,lowest,primary,unemployed,90.28,4,none,0,208,1,sacco,3420.44,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2021,urban,female,23,18-24,fourth,none,self_employed,932.51,6,limited,0,234,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,male,19,18-24,middle,none,employed_formal,126.12,10,none,0,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,male,51,45-54,fourth,none,self_employed,426.33,3,limited,1,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,male,51,45-54,middle,secondary,employed_informal,148.6,5,none,0,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,male,29,25-34,lowest,none,self_employed,70.27,7,none,0,321,1,family_friends,3377.84,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2020,urban,female,35,25-34,highest,primary,self_employed,1170.63,1,limited,0,699,1,microfinance,17115.1,property,agriculture,1,16960.75,0.324,48,467.7,current,not_applicable,high_burden
South Africa,2021,urban,female,22,18-24,middle,none,self_employed,255.5,3,excellent,1,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,urban,female,59,55+,second,none,self_employed,39.92,4,none,0,368,1,informal_lender,2001.5,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2019,urban,male,20,18-24,lowest,secondary,employed_informal,119.22,8,limited,1,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,57,55+,lowest,secondary,employed_informal,41.8,6,none,0,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,female,51,45-54,lowest,tertiary,farmer,77.84,4,none,1,17,1,microfinance,1784.75,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2021,rural,male,40,35-44,fourth,none,employed_informal,229.16,3,good,0,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,urban,female,64,55+,highest,primary,unemployed,538.72,1,excellent,1,583,1,informal_lender,2581.13,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2019,urban,male,27,25-34,lowest,secondary,employed_informal,162.97,2,none,0,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,male,69,55+,middle,none,employed_formal,200.48,6,limited,0,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,urban,male,68,55+,middle,primary,self_employed,239.55,1,none,1,628,1,microfinance,7475.53,vehicle,agriculture,1,7212.45,0.291,24,388.11,current,not_applicable,high_burden
Kenya,2021,rural,female,54,45-54,lowest,secondary,farmer,63.11,6,limited,1,403,1,informal_lender,5754.74,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2024,rural,female,35,25-34,middle,secondary,self_employed,164.07,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,male,18,18-24,middle,none,employed_formal,338.27,10,limited,0,776,1,sacco,4320.07,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2024,urban,male,52,45-54,fourth,primary,employed_formal,916.71,8,none,1,277,1,sacco,8550.64,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2025,rural,female,25,18-24,lowest,secondary,employed_informal,41.31,3,good,1,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,female,67,55+,second,secondary,unemployed,144.05,2,good,1,590,1,sacco,1888.07,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2020,rural,male,31,25-34,middle,tertiary,unemployed,104.58,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,male,49,45-54,second,secondary,employed_informal,198.39,10,limited,0,420,1,sacco,2855.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2019,rural,female,20,18-24,lowest,none,employed_formal,48.79,4,limited,0,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,urban,female,24,18-24,lowest,secondary,employed_informal,28.5,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,male,66,55+,lowest,primary,employed_informal,34.07,2,none,1,152,1,microfinance,1042.88,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2022,urban,female,31,25-34,fourth,primary,self_employed,472.11,9,limited,0,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,67,55+,middle,none,unemployed,118.52,2,limited,1,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,female,40,35-44,lowest,secondary,farmer,67.04,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,urban,female,24,18-24,highest,secondary,farmer,570.14,10,limited,1,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,female,43,35-44,fourth,none,unemployed,272.15,1,none,1,416,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,male,57,55+,highest,primary,unemployed,253.78,2,none,0,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,male,38,35-44,lowest,primary,self_employed,79.73,5,limited,1,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,male,47,45-54,lowest,secondary,self_employed,59.8,2,none,0,417,1,informal_lender,6043.32,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2025,urban,female,67,55+,highest,primary,farmer,598.87,1,limited,1,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,female,48,45-54,lowest,secondary,employed_informal,80.77,3,good,0,135,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,female,53,45-54,lowest,secondary,employed_informal,58.9,2,none,1,173,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,female,33,25-34,middle,secondary,employed_formal,158.68,10,limited,1,806,1,sacco,3782.14,none,business,1,3654.97,0.273,6,775.36,current,not_applicable,high_burden
DRC,2020,urban,female,32,25-34,second,primary,employed_informal,423.73,5,good,1,643,1,commercial_bank,14099.14,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ethiopia,2021,urban,male,31,25-34,second,primary,unemployed,128.64,1,good,0,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,female,23,18-24,fourth,tertiary,self_employed,351.68,3,limited,1,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,female,47,45-54,middle,secondary,farmer,160.45,10,limited,0,790,1,informal_lender,3159.94,none,business,1,2875.52,0.82,18,290.79,current,not_applicable,high_burden
Mozambique,2021,rural,male,58,55+,lowest,none,farmer,50.3,2,none,1,95,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,male,50,45-54,middle,secondary,self_employed,141.4,6,limited,0,108,1,microfinance,5517.84,none,asset_purchase,1,4888.01,0.279,18,347.28,late_60_days,not_applicable,high_burden
Uganda,2019,urban,male,59,55+,middle,secondary,farmer,104.56,4,limited,1,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,female,44,35-44,lowest,primary,employed_formal,79.95,5,limited,1,835,1,commercial_bank,4335.91,vehicle,consumption,1,4161.11,0.174,36,135.68,current,not_applicable,high_burden
Uganda,2021,urban,male,56,55+,middle,none,self_employed,1038.56,5,none,1,47,1,commercial_bank,6270.05,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2018,rural,male,47,45-54,lowest,none,self_employed,85.7,6,excellent,1,816,1,sacco,6531.26,none,business,1,6140.49,0.368,12,700.25,current,not_applicable,high_burden
Mali,2018,urban,male,39,35-44,middle,tertiary,farmer,856.69,7,none,1,645,1,digital_lender,9079.27,none,business,1,8863.72,0.408,24,520.02,late_30_days,not_applicable,high_burden
Rwanda,2023,urban,female,26,25-34,lowest,primary,self_employed,236.99,7,good,0,804,1,family_friends,3238.53,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Niger,2023,rural,female,64,55+,second,secondary,self_employed,65.01,7,good,0,738,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,female,60,55+,lowest,primary,employed_formal,24.21,5,good,1,207,1,sacco,661.61,guarantor,housing,1,575.38,0.345,12,64.48,current,not_applicable,high_burden
Malawi,2024,urban,male,57,55+,middle,primary,employed_informal,160.46,10,none,1,596,1,sacco,1769.29,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2021,urban,female,29,25-34,highest,secondary,farmer,651.22,2,none,1,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,male,45,35-44,middle,tertiary,unemployed,167.83,3,none,1,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,40,35-44,second,primary,self_employed,79.05,3,good,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,female,32,25-34,highest,secondary,farmer,359.76,10,none,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,male,37,35-44,second,primary,farmer,79.98,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,female,38,35-44,second,secondary,employed_informal,273.97,3,limited,0,842,1,family_friends,6358.27,guarantor,debt_consolidation,1,5191.74,0.037,24,224.38,current,not_applicable,high_burden
Zambia,2019,urban,male,37,35-44,highest,primary,self_employed,1501.95,7,excellent,0,337,1,sacco,5605.41,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2021,urban,male,38,35-44,middle,primary,employed_informal,313.33,1,excellent,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,male,62,55+,second,secondary,farmer,152.81,9,none,0,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,female,24,18-24,fourth,secondary,farmer,694.25,1,none,0,399,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,rural,female,49,45-54,highest,none,employed_formal,313.42,8,none,0,1,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,female,21,18-24,second,tertiary,self_employed,172.87,7,good,1,129,1,microfinance,9982.1,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2022,rural,male,56,55+,lowest,tertiary,self_employed,136.38,7,limited,0,399,1,informal_lender,3364.3,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2023,urban,male,65,55+,fourth,secondary,employed_formal,330.95,10,excellent,0,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,female,37,35-44,highest,primary,employed_informal,440.88,1,none,0,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,female,42,35-44,fourth,secondary,employed_formal,328.98,7,good,1,362,1,commercial_bank,6633.34,guarantor,agriculture,1,6409.61,0.19,18,423.81,paid_off,not_applicable,high_burden
Ethiopia,2020,urban,male,55,45-54,fourth,none,self_employed,245.55,7,good,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,male,20,18-24,highest,none,unemployed,4117.83,1,limited,0,433,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,female,42,35-44,second,primary,unemployed,161.95,1,limited,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,urban,male,51,45-54,lowest,secondary,farmer,158.63,3,limited,0,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,male,47,45-54,second,secondary,employed_informal,113.0,8,none,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,female,24,18-24,lowest,tertiary,self_employed,33.02,7,limited,1,825,1,microfinance,3127.76,none,emergency,1,2712.97,0.274,12,288.02,current,not_applicable,high_burden
South Africa,2019,rural,female,56,55+,highest,secondary,employed_informal,228.52,1,none,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,female,68,55+,highest,secondary,self_employed,433.44,6,limited,1,509,1,digital_lender,8271.62,guarantor,business,1,7992.17,0.413,18,627.58,late_60_days,not_applicable,high_burden
Mali,2018,urban,female,35,25-34,second,tertiary,self_employed,351.17,8,limited,0,689,1,employer,5670.18,none,business,1,4988.34,0.012,18,280.37,late_30_days,not_applicable,high_burden
Tanzania,2021,rural,female,47,45-54,lowest,primary,self_employed,53.35,1,none,1,438,1,digital_lender,2414.32,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2020,urban,male,35,25-34,middle,tertiary,self_employed,728.94,7,none,1,113,1,microfinance,22830.69,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2023,rural,female,41,35-44,lowest,primary,employed_informal,25.71,7,none,1,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,male,29,25-34,highest,secondary,employed_informal,522.51,1,none,1,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,60,55+,middle,secondary,employed_informal,216.58,10,none,0,11,1,commercial_bank,5339.65,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2018,urban,female,57,55+,fourth,secondary,self_employed,125.15,4,limited,0,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,male,18,18-24,second,none,unemployed,64.29,1,none,1,95,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,female,19,18-24,fourth,primary,farmer,399.75,1,limited,0,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,34,25-34,fourth,none,farmer,730.63,1,none,1,615,1,commercial_bank,3268.99,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2024,urban,female,26,25-34,highest,tertiary,farmer,3609.75,8,excellent,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,male,29,25-34,fourth,primary,farmer,1205.81,5,none,1,568,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,male,48,45-54,lowest,primary,self_employed,54.1,3,none,0,723,1,digital_lender,1338.64,none,business,1,1148.43,0.43,48,34.22,current,not_applicable,high_burden
Ethiopia,2018,urban,female,29,25-34,lowest,primary,employed_informal,40.04,3,limited,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,male,30,25-34,fourth,secondary,self_employed,453.42,1,none,0,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,35,25-34,lowest,secondary,employed_formal,39.65,10,good,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,male,43,35-44,fourth,secondary,self_employed,437.91,1,none,1,553,1,digital_lender,2062.82,property,housing,1,1713.05,0.401,12,199.95,late_30_days,not_applicable,high_burden
Tanzania,2021,urban,female,23,18-24,middle,primary,self_employed,564.41,8,limited,0,772,1,family_friends,6570.62,vehicle,asset_purchase,1,5397.98,0.056,12,475.04,late_30_days,not_applicable,high_burden
Mozambique,2018,rural,female,35,25-34,second,tertiary,employed_informal,36.22,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,urban,female,43,35-44,highest,secondary,employed_informal,1447.5,8,none,1,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,female,66,55+,lowest,primary,farmer,59.95,7,none,0,370,1,microfinance,1393.62,equipment,emergency,1,1133.84,0.299,12,122.71,current,not_applicable,high_burden
Ghana,2019,rural,female,68,55+,lowest,secondary,self_employed,71.01,7,none,1,152,1,commercial_bank,1862.2,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mali,2023,urban,female,19,18-24,second,tertiary,farmer,127.99,7,none,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,female,69,55+,highest,secondary,employed_informal,1727.18,9,good,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,female,29,25-34,middle,secondary,employed_formal,1366.7,6,none,0,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,female,50,45-54,fourth,secondary,employed_informal,547.88,6,excellent,0,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,female,54,45-54,second,secondary,employed_informal,185.35,4,none,1,581,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,female,41,35-44,second,none,employed_informal,250.33,5,none,1,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,47,45-54,second,none,farmer,62.37,2,good,1,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,34,25-34,second,secondary,self_employed,174.86,3,limited,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,urban,female,44,35-44,middle,primary,farmer,449.75,5,good,0,449,1,digital_lender,5739.88,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Zambia,2025,rural,male,45,35-44,second,secondary,employed_informal,175.07,5,limited,1,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,19,18-24,middle,none,unemployed,283.03,4,none,1,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,male,46,45-54,highest,primary,farmer,2586.31,7,limited,0,682,1,digital_lender,8803.37,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2025,urban,female,63,55+,second,secondary,farmer,188.78,4,none,0,592,1,sacco,5956.24,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2019,rural,male,31,25-34,lowest,primary,employed_informal,110.46,1,limited,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,female,25,18-24,second,primary,farmer,371.56,2,none,0,548,1,informal_lender,3525.95,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2021,rural,female,28,25-34,lowest,none,farmer,109.93,7,limited,0,183,1,informal_lender,2706.42,property,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mali,2019,urban,female,63,55+,middle,secondary,farmer,337.84,10,none,0,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,38,35-44,second,tertiary,farmer,120.99,9,none,1,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,female,36,35-44,lowest,secondary,unemployed,66.42,1,limited,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,36,35-44,second,none,self_employed,276.19,7,excellent,0,569,1,family_friends,5132.09,savings,agriculture,1,4121.39,0.048,18,239.98,defaulted,not_applicable,high_burden
Zambia,2022,rural,male,21,18-24,middle,primary,self_employed,139.73,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,urban,female,41,35-44,middle,tertiary,employed_informal,447.2,5,none,0,0,1,informal_lender,11402.09,property,agriculture,1,9588.2,0.789,18,952.87,current,not_applicable,high_burden
Rwanda,2020,rural,female,51,45-54,lowest,tertiary,employed_formal,91.88,10,none,1,0,1,commercial_bank,3061.53,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2022,rural,female,53,45-54,middle,secondary,farmer,412.12,1,none,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,male,69,55+,middle,tertiary,employed_informal,202.67,1,limited,0,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,27,25-34,middle,primary,employed_formal,143.29,7,limited,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,female,30,25-34,second,secondary,employed_formal,249.06,10,limited,1,182,1,commercial_bank,7567.32,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2025,rural,male,28,25-34,highest,primary,employed_informal,390.08,1,limited,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,female,63,55+,lowest,secondary,employed_formal,37.48,4,good,0,229,1,microfinance,4147.98,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2021,rural,female,26,25-34,fourth,tertiary,farmer,487.04,6,good,1,562,1,microfinance,12839.48,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ethiopia,2021,urban,female,40,35-44,fourth,none,employed_informal,514.31,5,good,0,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,male,27,25-34,fourth,secondary,self_employed,895.25,3,limited,0,602,1,microfinance,12382.04,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
DRC,2020,rural,male,34,25-34,second,secondary,employed_formal,237.19,10,excellent,0,831,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,female,36,35-44,fourth,primary,employed_informal,889.24,1,none,1,577,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,female,51,45-54,fourth,none,unemployed,172.89,6,none,0,226,1,family_friends,6619.42,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2022,rural,female,65,55+,second,secondary,self_employed,189.04,1,excellent,1,570,1,employer,6024.05,property,debt_consolidation,1,5234.51,0.056,24,230.28,late_30_days,not_applicable,high_burden
Tanzania,2022,urban,male,21,18-24,highest,primary,unemployed,4124.48,1,none,1,431,1,commercial_bank,7996.91,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2018,urban,female,69,55+,fourth,primary,self_employed,1539.38,8,none,1,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,67,55+,second,none,unemployed,97.81,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,rural,male,28,25-34,second,none,employed_informal,604.44,4,none,1,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,female,35,25-34,lowest,none,self_employed,40.84,2,none,0,546,1,microfinance,5043.98,none,business,1,4235.13,0.321,18,310.76,current,not_applicable,high_burden
Mozambique,2025,rural,male,65,55+,second,none,self_employed,73.5,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,male,54,45-54,lowest,secondary,employed_informal,49.13,4,excellent,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,male,60,55+,highest,secondary,employed_informal,343.93,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,male,40,35-44,lowest,tertiary,self_employed,27.07,9,none,1,252,1,sacco,2545.57,guarantor,asset_purchase,1,2318.54,0.284,24,124.04,paid_off,not_applicable,high_burden
Kenya,2021,urban,male,43,35-44,fourth,tertiary,farmer,486.41,10,limited,1,570,1,commercial_bank,3488.02,none,debt_consolidation,1,2912.81,0.158,24,140.54,current,not_applicable,high_burden
DRC,2022,urban,female,64,55+,fourth,secondary,unemployed,381.19,3,limited,0,74,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,female,35,25-34,fourth,secondary,self_employed,1153.35,2,none,0,148,1,commercial_bank,7502.04,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2019,urban,female,20,18-24,lowest,primary,employed_formal,20.07,7,excellent,1,281,1,commercial_bank,1371.24,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2018,urban,male,30,25-34,lowest,secondary,self_employed,310.92,1,none,1,637,1,sacco,6721.73,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2022,rural,male,42,35-44,lowest,secondary,self_employed,92.96,1,good,0,656,1,microfinance,4933.13,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2023,rural,male,39,35-44,highest,primary,farmer,3082.72,1,good,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,female,58,55+,lowest,secondary,self_employed,184.7,4,good,1,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,male,41,35-44,fourth,secondary,farmer,496.17,9,none,1,692,1,informal_lender,6000.72,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2020,rural,male,68,55+,second,none,self_employed,56.53,8,none,1,63,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,male,32,25-34,lowest,secondary,unemployed,30.4,1,none,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,female,61,55+,second,secondary,employed_informal,200.26,5,limited,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,male,69,55+,fourth,secondary,self_employed,73.7,9,limited,1,744,1,informal_lender,2993.62,property,education,1,2819.47,0.763,6,828.57,current,not_applicable,high_burden
Mozambique,2021,rural,female,24,18-24,highest,primary,self_employed,966.71,1,none,1,645,1,microfinance,4538.22,savings,business,1,4154.01,0.293,12,447.66,current,not_applicable,high_burden
Ethiopia,2021,rural,male,26,25-34,highest,primary,self_employed,413.4,6,good,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,urban,male,41,35-44,second,secondary,employed_informal,265.13,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,male,33,25-34,lowest,primary,self_employed,50.39,9,none,0,384,1,family_friends,3188.67,guarantor,consumption,1,3133.5,0.093,24,142.7,current,not_applicable,high_burden
Tanzania,2025,urban,female,29,25-34,second,primary,employed_formal,111.93,5,none,0,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,female,41,35-44,lowest,primary,farmer,58.33,3,limited,0,750,1,informal_lender,1790.43,property,education,1,1647.29,0.833,24,125.8,current,not_applicable,high_burden
Niger,2018,urban,female,31,25-34,highest,secondary,farmer,820.43,8,none,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,urban,male,23,18-24,lowest,tertiary,farmer,161.57,2,none,1,0,1,informal_lender,3038.97,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2020,rural,male,58,55+,second,secondary,unemployed,78.97,1,none,1,462,1,family_friends,2098.45,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2020,urban,female,38,35-44,second,none,employed_formal,332.8,10,none,1,94,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,female,20,18-24,second,secondary,employed_informal,90.33,7,good,0,353,1,family_friends,4868.03,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2025,rural,female,67,55+,second,secondary,unemployed,73.56,1,good,0,325,1,informal_lender,9876.19,vehicle,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2018,urban,female,23,18-24,fourth,tertiary,farmer,245.93,8,none,0,421,1,family_friends,6706.33,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2018,rural,female,33,25-34,lowest,primary,self_employed,17.42,4,limited,1,256,1,commercial_bank,657.13,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2019,rural,female,50,45-54,second,primary,farmer,188.51,7,limited,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,male,21,18-24,fourth,secondary,unemployed,307.64,3,limited,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,64,55+,fourth,secondary,farmer,219.54,4,none,0,140,1,family_friends,5766.66,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2018,rural,male,63,55+,highest,none,farmer,538.0,3,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,44,35-44,highest,tertiary,unemployed,221.32,5,none,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,urban,male,32,25-34,second,primary,farmer,74.86,2,limited,0,265,1,commercial_bank,2952.41,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2022,urban,female,20,18-24,second,primary,unemployed,453.42,5,limited,0,206,1,commercial_bank,3347.89,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2022,rural,female,26,25-34,highest,none,farmer,1323.62,2,none,0,571,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,male,41,35-44,fourth,tertiary,self_employed,117.02,5,good,0,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,female,29,25-34,highest,none,employed_informal,661.1,6,good,1,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,male,21,18-24,lowest,tertiary,unemployed,103.29,5,none,1,0,1,sacco,3030.38,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2018,rural,female,25,18-24,second,secondary,self_employed,302.96,10,good,1,789,1,commercial_bank,5298.2,equipment,agriculture,1,4872.89,0.188,18,321.71,current,not_applicable,high_burden
Mozambique,2024,urban,female,33,25-34,fourth,primary,self_employed,232.1,1,good,0,673,1,family_friends,3125.72,property,emergency,1,2777.01,0.006,12,232.73,late_30_days,not_applicable,high_burden
Uganda,2023,urban,male,53,45-54,fourth,primary,employed_informal,455.87,9,good,1,775,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,female,23,18-24,second,tertiary,farmer,68.25,1,good,0,208,1,family_friends,6421.98,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2021,urban,male,53,45-54,lowest,primary,employed_informal,66.7,6,excellent,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,33,25-34,middle,none,employed_informal,57.05,10,excellent,1,532,1,digital_lender,403.42,none,business,1,362.24,0.422,6,85.82,current,not_applicable,high_burden
Kenya,2025,urban,male,26,25-34,middle,none,employed_informal,548.28,8,limited,1,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,male,21,18-24,lowest,secondary,employed_informal,113.68,5,none,1,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,male,46,45-54,middle,secondary,unemployed,864.58,1,good,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,41,35-44,fourth,secondary,employed_informal,175.41,10,excellent,0,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,urban,male,44,35-44,lowest,tertiary,employed_informal,141.49,1,none,0,70,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,female,62,55+,highest,primary,employed_informal,669.29,1,limited,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,67,55+,highest,primary,farmer,276.44,8,none,0,823,1,informal_lender,12529.25,savings,emergency,1,12266.31,0.802,12,1842.45,current,not_applicable,high_burden
Malawi,2023,rural,male,57,55+,middle,none,employed_formal,517.85,10,limited,1,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,male,43,35-44,middle,primary,self_employed,123.42,10,good,1,384,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,urban,male,39,35-44,lowest,primary,farmer,75.86,2,good,1,796,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,female,31,25-34,middle,primary,unemployed,44.99,2,none,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,female,54,45-54,highest,none,unemployed,572.53,1,good,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,female,40,35-44,second,secondary,farmer,58.25,10,limited,0,540,1,informal_lender,3619.54,vehicle,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2024,rural,female,39,35-44,highest,secondary,employed_formal,423.73,10,good,1,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,female,69,55+,middle,primary,self_employed,363.65,5,limited,1,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,urban,female,25,18-24,lowest,none,employed_formal,20.31,7,none,1,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,female,32,25-34,middle,primary,farmer,232.04,8,good,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,male,27,25-34,highest,primary,self_employed,1257.34,10,none,0,98,1,sacco,8208.11,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2019,rural,male,28,25-34,lowest,secondary,farmer,116.88,4,good,0,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,female,52,45-54,second,primary,employed_formal,579.5,10,none,1,450,1,family_friends,3534.02,equipment,agriculture,1,3417.12,0.082,12,308.11,late_30_days,not_applicable,high_burden
Ghana,2020,urban,female,50,45-54,second,secondary,self_employed,59.04,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,rural,female,22,18-24,lowest,primary,self_employed,70.41,7,limited,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,male,18,18-24,lowest,tertiary,farmer,43.34,8,limited,0,373,1,microfinance,2194.63,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2019,urban,female,37,35-44,middle,primary,self_employed,432.32,6,limited,1,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,urban,male,44,35-44,fourth,none,self_employed,323.87,7,none,0,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,67,55+,second,secondary,farmer,348.72,3,limited,1,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,25,18-24,lowest,primary,employed_formal,29.86,6,good,1,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,female,27,25-34,lowest,primary,employed_informal,164.46,7,good,0,483,1,digital_lender,3417.72,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2023,rural,female,55,45-54,second,secondary,employed_informal,118.57,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,female,62,55+,second,primary,employed_formal,121.73,8,good,0,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,29,25-34,middle,tertiary,self_employed,874.73,5,none,0,646,1,family_friends,7988.97,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2022,rural,male,45,35-44,middle,secondary,unemployed,102.09,3,none,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,urban,female,49,45-54,second,primary,self_employed,347.02,2,limited,1,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,female,47,45-54,lowest,primary,farmer,42.82,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,female,34,25-34,fourth,secondary,employed_formal,192.83,10,none,1,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,urban,male,62,55+,highest,tertiary,employed_formal,1363.28,8,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,female,43,35-44,second,none,farmer,196.02,3,excellent,0,850,1,family_friends,8474.27,guarantor,asset_purchase,1,7554.32,0.036,24,326.09,paid_off,not_applicable,high_burden
South Africa,2025,rural,male,19,18-24,second,none,unemployed,32.46,2,none,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,male,36,35-44,fourth,tertiary,employed_informal,761.36,3,none,0,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,50,45-54,lowest,primary,self_employed,47.54,4,limited,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,urban,female,56,55+,second,tertiary,self_employed,192.31,6,none,1,40,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,urban,male,54,45-54,lowest,tertiary,unemployed,139.63,1,limited,0,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,female,31,25-34,highest,secondary,self_employed,477.28,2,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,male,35,25-34,fourth,primary,self_employed,555.27,10,none,0,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,female,33,25-34,lowest,secondary,self_employed,16.91,9,none,0,211,1,commercial_bank,712.1,none,emergency,1,646.2,0.217,36,21.85,late_60_days,not_applicable,high_burden
Uganda,2025,rural,male,23,18-24,highest,primary,farmer,346.97,8,limited,0,765,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,male,47,45-54,fourth,secondary,employed_informal,139.93,8,good,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,male,36,35-44,lowest,secondary,employed_informal,191.26,3,limited,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,urban,female,34,25-34,middle,secondary,employed_informal,82.39,1,none,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,54,45-54,lowest,primary,farmer,58.13,10,limited,0,131,1,family_friends,6907.2,equipment,agriculture,1,6732.26,0.002,12,561.92,current,not_applicable,high_burden
Senegal,2019,rural,female,61,55+,middle,tertiary,self_employed,288.41,2,none,0,735,1,commercial_bank,3613.91,guarantor,business,1,3058.79,0.148,18,195.05,paid_off,not_applicable,high_burden
Malawi,2019,urban,female,24,18-24,middle,tertiary,employed_informal,376.55,7,limited,1,278,1,commercial_bank,3404.04,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2025,urban,female,43,35-44,lowest,tertiary,employed_informal,254.33,9,none,0,118,1,informal_lender,4696.21,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2019,rural,male,31,25-34,lowest,secondary,farmer,35.71,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,female,42,35-44,lowest,secondary,farmer,149.2,7,good,0,401,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,urban,male,43,35-44,middle,tertiary,employed_informal,135.57,6,none,0,640,1,sacco,7494.69,none,business,1,6965.97,0.353,36,261.71,current,not_applicable,high_burden
Niger,2018,urban,female,61,55+,second,primary,self_employed,303.3,6,limited,0,436,1,family_friends,3146.25,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2025,rural,female,45,35-44,second,secondary,farmer,71.17,6,good,0,271,1,microfinance,14629.12,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2020,urban,female,31,25-34,second,secondary,self_employed,201.56,6,none,1,607,1,family_friends,1726.38,guarantor,housing,1,1495.86,0.019,18,84.7,late_60_days,not_applicable,high_burden
Mozambique,2021,urban,female,68,55+,highest,primary,employed_formal,1255.16,9,limited,1,182,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,female,63,55+,lowest,tertiary,employed_informal,44.93,8,excellent,0,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,female,23,18-24,second,primary,employed_informal,87.02,3,none,1,640,1,commercial_bank,10353.52,none,agriculture,1,9446.67,0.205,36,316.08,current,not_applicable,high_burden
South Africa,2025,rural,male,56,55+,second,primary,employed_informal,208.88,2,none,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,female,46,45-54,lowest,primary,farmer,119.37,4,good,0,494,1,informal_lender,2155.27,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2021,urban,male,20,18-24,second,none,employed_formal,101.04,10,none,0,61,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,female,21,18-24,middle,tertiary,self_employed,220.38,6,limited,0,607,1,family_friends,5772.77,vehicle,emergency,1,4733.99,0.011,24,199.4,current,not_applicable,high_burden
Nigeria,2024,urban,female,55,45-54,fourth,none,self_employed,482.5,2,limited,1,25,1,commercial_bank,6795.6,savings,education,1,5591.53,0.183,18,367.46,current,not_applicable,high_burden
Tanzania,2021,rural,male,64,55+,lowest,primary,farmer,83.36,5,good,0,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,urban,male,46,45-54,highest,primary,employed_informal,1891.88,4,none,0,29,1,informal_lender,5494.66,none,business,1,5235.08,0.827,24,398.47,late_30_days,not_applicable,high_burden
Uganda,2022,rural,female,64,55+,lowest,secondary,employed_formal,151.64,7,good,1,328,1,digital_lender,1336.45,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2024,rural,female,53,45-54,lowest,primary,unemployed,72.0,1,limited,0,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,rural,female,18,18-24,lowest,none,employed_informal,23.63,3,good,1,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,urban,female,64,55+,fourth,primary,farmer,489.99,1,limited,1,508,1,commercial_bank,6192.88,savings,emergency,1,5870.48,0.158,6,1133.43,current,not_applicable,high_burden
Malawi,2025,rural,male,64,55+,second,primary,farmer,142.78,3,none,0,470,1,microfinance,2883.43,none,housing,1,2615.31,0.272,6,554.24,current,not_applicable,high_burden
Niger,2020,rural,female,18,18-24,highest,primary,self_employed,287.96,7,none,0,736,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,female,41,35-44,second,secondary,self_employed,178.91,1,none,1,0,1,sacco,6979.64,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2022,urban,male,18,18-24,second,tertiary,self_employed,29.31,9,good,1,302,1,commercial_bank,3619.26,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2024,rural,female,61,55+,second,primary,employed_informal,124.97,1,none,1,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,urban,female,55,45-54,lowest,secondary,employed_formal,140.47,9,none,0,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,urban,female,32,25-34,highest,primary,farmer,858.61,3,good,1,270,1,microfinance,5075.19,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mali,2020,urban,male,39,35-44,second,primary,self_employed,272.56,3,none,1,86,1,informal_lender,983.51,guarantor,business,1,955.38,0.752,18,93.01,current,not_applicable,high_burden
Mali,2018,rural,female,29,25-34,lowest,primary,employed_informal,158.28,10,none,1,58,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,male,58,55+,middle,primary,farmer,162.2,2,limited,1,122,1,informal_lender,5275.65,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2019,rural,male,62,55+,lowest,secondary,farmer,49.67,1,none,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,female,24,18-24,middle,none,employed_informal,167.71,6,limited,1,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,female,43,35-44,second,primary,unemployed,230.66,6,none,1,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,male,49,45-54,middle,secondary,self_employed,339.54,1,limited,0,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,female,38,35-44,fourth,tertiary,farmer,354.46,3,good,0,850,1,family_friends,2221.68,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2018,urban,male,69,55+,second,primary,employed_informal,62.23,4,none,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,male,29,25-34,middle,secondary,unemployed,345.78,1,limited,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,female,65,55+,lowest,primary,self_employed,37.84,4,none,0,213,1,microfinance,889.61,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2018,urban,male,34,25-34,second,tertiary,employed_formal,191.27,10,none,1,64,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,female,48,45-54,lowest,none,self_employed,35.48,9,limited,0,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,48,45-54,fourth,primary,self_employed,364.75,3,good,0,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,male,39,35-44,middle,secondary,unemployed,205.78,1,none,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,female,20,18-24,second,primary,farmer,87.65,7,limited,0,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,male,24,18-24,lowest,primary,employed_informal,60.8,3,none,0,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,56,55+,lowest,primary,farmer,46.93,1,none,0,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,female,60,55+,lowest,secondary,unemployed,26.79,1,none,0,662,1,sacco,1497.75,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2019,rural,male,62,55+,lowest,secondary,farmer,159.87,10,good,1,432,1,microfinance,7113.08,property,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2019,rural,female,31,25-34,middle,secondary,self_employed,155.54,5,limited,1,329,1,commercial_bank,2252.38,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2021,urban,male,34,25-34,fourth,primary,self_employed,524.57,5,good,0,850,1,microfinance,10216.14,savings,business,1,9256.7,0.34,24,516.64,current,not_applicable,high_burden
Nigeria,2025,rural,male,41,35-44,fourth,tertiary,self_employed,604.59,9,good,0,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,female,35,25-34,middle,tertiary,self_employed,448.88,6,good,1,102,1,family_friends,3014.73,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2020,rural,female,55,45-54,fourth,secondary,employed_formal,320.1,4,limited,0,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,female,20,18-24,fourth,primary,employed_formal,498.62,5,limited,1,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,female,22,18-24,lowest,none,employed_informal,171.27,2,excellent,1,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,female,66,55+,fourth,secondary,employed_informal,625.8,1,good,0,480,1,informal_lender,7258.83,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2025,rural,female,66,55+,lowest,secondary,unemployed,59.38,4,good,0,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,male,30,25-34,fourth,tertiary,self_employed,322.59,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,female,49,45-54,middle,secondary,self_employed,216.71,1,good,0,357,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,43,35-44,lowest,primary,employed_informal,80.27,8,limited,1,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,female,38,35-44,fourth,secondary,self_employed,778.09,10,none,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,female,40,35-44,lowest,tertiary,farmer,189.89,5,none,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,41,35-44,second,secondary,employed_informal,129.31,5,none,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,female,31,25-34,fourth,none,farmer,644.49,8,none,1,40,1,sacco,5520.8,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2021,urban,male,32,25-34,second,none,self_employed,138.74,1,excellent,0,424,1,informal_lender,4463.0,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2025,urban,male,39,35-44,second,none,self_employed,289.3,8,none,1,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,urban,female,26,25-34,middle,none,unemployed,209.49,3,good,1,850,1,commercial_bank,5065.57,property,agriculture,1,4497.97,0.194,12,447.37,late_30_days,not_applicable,high_burden
Mozambique,2022,rural,male,32,25-34,highest,secondary,self_employed,585.65,8,none,0,817,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,male,32,25-34,highest,secondary,self_employed,3344.92,4,none,1,291,1,digital_lender,6942.55,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2018,urban,female,68,55+,highest,secondary,employed_formal,1052.9,6,limited,1,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,female,49,45-54,middle,primary,self_employed,81.92,2,good,1,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,female,48,45-54,second,tertiary,farmer,206.15,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,female,52,45-54,second,none,unemployed,760.97,2,limited,0,217,1,microfinance,19813.79,vehicle,business,1,17110.82,0.292,18,1228.42,current,not_applicable,high_burden
Ethiopia,2022,rural,male,48,45-54,second,none,unemployed,94.77,1,none,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,56,55+,middle,primary,self_employed,157.41,1,limited,0,551,1,digital_lender,5136.31,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2020,urban,female,21,18-24,fourth,primary,employed_formal,864.43,9,limited,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,male,54,45-54,second,primary,self_employed,28.19,9,limited,0,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,male,22,18-24,middle,secondary,employed_formal,322.9,10,limited,1,283,1,commercial_bank,26214.4,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2018,rural,male,67,55+,middle,secondary,farmer,170.73,10,none,0,343,1,informal_lender,3583.27,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2019,rural,female,37,35-44,fourth,secondary,unemployed,650.85,4,none,0,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,male,66,55+,middle,tertiary,employed_informal,268.32,5,good,0,95,1,family_friends,3841.94,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Niger,2019,rural,male,18,18-24,middle,secondary,self_employed,288.42,8,none,0,489,1,microfinance,4014.73,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2023,rural,female,21,18-24,lowest,primary,employed_informal,102.45,3,none,0,726,1,sacco,18573.09,none,business,1,17675.69,0.325,12,1951.09,paid_off,not_applicable,high_burden
Mali,2023,rural,male,61,55+,fourth,secondary,unemployed,277.35,1,limited,0,632,1,employer,5891.8,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2022,urban,male,51,45-54,highest,secondary,farmer,4715.91,3,good,1,726,1,informal_lender,17096.32,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2024,rural,male,50,45-54,highest,secondary,farmer,1424.24,8,limited,0,804,1,family_friends,12558.36,none,agriculture,1,10417.43,0.087,6,1887.69,current,not_applicable,high_burden
Rwanda,2019,urban,female,53,45-54,middle,secondary,employed_informal,273.44,4,good,0,819,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,male,66,55+,lowest,primary,farmer,94.61,2,excellent,0,183,1,informal_lender,1180.65,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2020,rural,female,66,55+,second,secondary,employed_formal,100.96,8,none,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,male,41,35-44,highest,secondary,employed_informal,945.07,8,good,0,251,1,family_friends,8412.39,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ethiopia,2023,rural,male,53,45-54,middle,primary,self_employed,392.2,2,none,0,693,1,commercial_bank,7791.52,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2024,rural,male,65,55+,lowest,secondary,unemployed,73.53,1,none,1,242,1,microfinance,5297.53,equipment,emergency,1,4728.64,0.345,18,353.35,current,not_applicable,high_burden
Malawi,2023,urban,male,22,18-24,lowest,primary,unemployed,45.34,5,excellent,1,704,1,commercial_bank,2417.87,equipment,education,1,2013.26,0.167,6,391.7,current,not_applicable,high_burden
Niger,2024,urban,female,67,55+,lowest,secondary,farmer,132.49,4,none,0,0,1,commercial_bank,2928.04,vehicle,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2022,rural,female,46,45-54,second,none,employed_informal,57.76,5,none,1,597,1,informal_lender,1289.73,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2022,rural,male,48,45-54,second,primary,farmer,62.4,9,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,male,66,55+,second,secondary,self_employed,86.63,10,limited,1,55,1,commercial_bank,4476.12,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Senegal,2023,rural,female,22,18-24,lowest,none,self_employed,76.95,7,none,0,516,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,69,55+,middle,secondary,self_employed,184.48,10,limited,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,male,60,55+,fourth,tertiary,unemployed,192.87,1,limited,0,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,female,58,55+,highest,none,self_employed,964.12,1,none,0,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,female,21,18-24,fourth,none,employed_formal,571.82,10,limited,0,432,1,sacco,11954.94,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2025,rural,female,69,55+,fourth,tertiary,employed_formal,564.22,9,none,1,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,female,52,45-54,lowest,primary,employed_informal,134.65,5,none,0,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,male,59,55+,second,secondary,unemployed,233.68,1,none,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,female,41,35-44,second,secondary,employed_informal,142.1,5,good,1,211,1,informal_lender,5352.87,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2020,rural,female,25,18-24,lowest,none,self_employed,98.09,2,limited,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,urban,male,24,18-24,lowest,primary,self_employed,109.22,1,excellent,0,295,1,family_friends,2452.67,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2023,rural,male,23,18-24,second,tertiary,employed_informal,332.29,2,excellent,0,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,33,25-34,lowest,secondary,self_employed,77.29,4,limited,0,33,1,family_friends,1499.3,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2021,rural,male,22,18-24,second,none,self_employed,94.1,6,none,1,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,male,47,45-54,middle,primary,employed_informal,83.6,8,limited,0,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,urban,female,53,45-54,lowest,secondary,self_employed,104.59,4,excellent,1,850,1,sacco,3768.34,none,education,1,3608.17,0.309,18,262.46,current,not_applicable,high_burden
Uganda,2022,rural,male,34,25-34,fourth,tertiary,unemployed,264.75,6,excellent,1,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,male,49,45-54,fourth,secondary,farmer,1223.83,2,none,0,443,1,employer,3539.53,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2022,rural,male,20,18-24,lowest,secondary,self_employed,30.93,8,good,0,122,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,female,39,35-44,fourth,primary,self_employed,1021.71,7,good,0,670,1,family_friends,4309.86,none,agriculture,1,4022.39,0.028,24,172.32,paid_off,not_applicable,high_burden
Mozambique,2025,rural,male,38,35-44,second,secondary,self_employed,54.65,9,excellent,1,459,1,commercial_bank,2419.42,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mozambique,2020,rural,male,42,35-44,second,secondary,self_employed,130.2,1,none,0,123,1,family_friends,8045.74,guarantor,consumption,1,7952.74,0.056,12,700.1,current,not_applicable,high_burden
Mozambique,2024,rural,male,48,45-54,lowest,none,self_employed,50.83,8,good,0,279,1,informal_lender,3194.15,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2025,rural,male,41,35-44,highest,tertiary,farmer,508.91,5,none,1,64,1,commercial_bank,6875.65,savings,agriculture,1,5664.54,0.191,18,374.68,current,not_applicable,high_burden
Mali,2025,urban,female,38,35-44,middle,none,employed_formal,445.94,10,none,0,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,female,65,55+,second,secondary,employed_informal,73.19,10,limited,0,415,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,male,52,45-54,second,secondary,farmer,174.94,5,none,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,female,49,45-54,second,primary,employed_formal,137.15,8,limited,0,819,1,sacco,1415.22,none,agriculture,1,1256.63,0.292,12,135.32,current,not_applicable,high_burden
Kenya,2025,rural,female,64,55+,second,secondary,unemployed,210.98,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,female,60,55+,lowest,secondary,self_employed,38.96,7,excellent,0,712,1,family_friends,3568.93,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2021,rural,female,29,25-34,lowest,primary,self_employed,70.54,1,none,0,0,1,commercial_bank,6370.86,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2023,rural,female,57,55+,second,primary,self_employed,96.73,2,good,0,850,1,family_friends,3360.41,savings,business,1,3300.39,0.089,6,598.84,current,not_applicable,high_burden
DRC,2023,urban,male,30,25-34,lowest,secondary,self_employed,146.35,10,good,1,399,1,sacco,1969.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2025,rural,male,57,55+,middle,secondary,farmer,1222.67,8,none,0,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,female,34,25-34,fourth,secondary,self_employed,478.5,8,none,0,713,1,informal_lender,2653.35,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2019,rural,female,58,55+,fourth,primary,self_employed,424.96,3,good,0,493,1,microfinance,2901.63,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2018,rural,female,26,25-34,middle,secondary,employed_informal,387.07,5,limited,1,506,1,microfinance,3427.33,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2021,urban,male,65,55+,lowest,tertiary,farmer,268.5,6,none,1,374,1,digital_lender,7974.46,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2022,urban,female,63,55+,middle,none,self_employed,78.51,5,limited,1,567,1,commercial_bank,2415.39,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2019,rural,male,42,35-44,second,primary,employed_informal,37.12,6,none,0,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,male,21,18-24,second,secondary,self_employed,56.01,8,good,1,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,female,22,18-24,middle,secondary,employed_formal,925.1,10,limited,1,121,1,commercial_bank,1754.06,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mozambique,2023,rural,female,54,45-54,middle,tertiary,employed_informal,106.81,1,limited,1,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,urban,male,27,25-34,second,none,self_employed,293.33,4,good,1,725,1,family_friends,1657.63,none,business,1,1592.23,0.069,12,141.86,current,not_applicable,high_burden
Mozambique,2020,urban,male,62,55+,lowest,primary,self_employed,47.1,2,none,0,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,female,55,45-54,middle,secondary,farmer,344.03,2,limited,0,158,1,microfinance,5606.17,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2019,rural,male,50,45-54,lowest,none,self_employed,56.74,9,none,0,413,1,informal_lender,5276.56,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2021,urban,male,65,55+,middle,primary,employed_formal,750.33,10,none,0,104,1,digital_lender,6762.2,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2024,urban,female,56,55+,middle,none,employed_formal,473.33,4,limited,0,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,urban,female,39,35-44,lowest,secondary,employed_informal,33.39,4,none,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,male,36,35-44,lowest,secondary,employed_informal,24.67,1,good,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,male,32,25-34,fourth,secondary,self_employed,584.07,9,none,0,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,49,45-54,lowest,primary,employed_informal,68.88,3,good,1,100,1,employer,1299.4,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2020,urban,male,44,35-44,lowest,secondary,self_employed,58.98,8,limited,0,466,1,employer,3005.04,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2021,urban,female,40,35-44,middle,secondary,employed_formal,408.39,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,urban,female,43,35-44,lowest,secondary,employed_informal,81.19,4,limited,0,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,female,36,35-44,second,primary,employed_informal,329.62,3,good,0,677,1,employer,4542.06,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2022,rural,female,50,45-54,lowest,primary,employed_informal,36.74,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,male,27,25-34,second,secondary,employed_informal,332.86,2,none,1,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,female,34,25-34,second,secondary,farmer,74.89,7,none,1,514,1,family_friends,4184.88,guarantor,emergency,1,3961.95,0.089,6,719.36,current,not_applicable,high_burden
Zambia,2018,rural,female,31,25-34,fourth,primary,self_employed,742.4,1,good,0,657,1,microfinance,7678.36,none,agriculture,1,6385.1,0.363,12,725.12,current,not_applicable,high_burden
Nigeria,2018,urban,female,63,55+,fourth,primary,self_employed,1077.87,1,good,1,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,urban,female,29,25-34,fourth,primary,employed_informal,535.93,2,good,0,398,1,family_friends,7658.93,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2024,rural,male,35,25-34,fourth,none,farmer,149.37,1,none,0,479,1,digital_lender,3251.22,property,business,1,2895.58,0.441,18,231.77,current,not_applicable,high_burden
Malawi,2020,rural,female,20,18-24,second,primary,self_employed,213.33,5,none,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,47,45-54,lowest,tertiary,self_employed,54.31,4,excellent,0,432,1,informal_lender,2466.06,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2024,urban,female,36,35-44,middle,none,employed_informal,231.78,10,none,1,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,female,29,25-34,lowest,tertiary,self_employed,147.34,1,none,0,447,1,family_friends,2805.36,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2022,urban,male,58,55+,second,secondary,self_employed,63.75,8,limited,1,200,1,commercial_bank,2144.95,property,education,1,1789.42,0.15,24,85.75,late_60_days,not_applicable,high_burden
Malawi,2022,urban,male,20,18-24,middle,primary,employed_formal,336.51,6,good,0,850,1,digital_lender,2684.84,guarantor,business,1,2360.07,0.492,18,195.63,current,not_applicable,high_burden
Mozambique,2021,urban,male,39,35-44,second,secondary,self_employed,222.94,5,limited,0,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,female,51,45-54,middle,primary,farmer,168.22,1,good,0,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,female,30,25-34,second,tertiary,farmer,272.36,1,none,0,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,54,45-54,fourth,primary,self_employed,507.16,3,limited,0,458,1,family_friends,3287.12,none,agriculture,1,2893.67,0.006,36,80.88,current,not_applicable,high_burden
Uganda,2018,rural,female,69,55+,middle,primary,employed_informal,384.33,9,limited,0,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,female,48,45-54,second,secondary,self_employed,313.39,6,limited,0,378,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,male,25,18-24,highest,secondary,self_employed,398.28,2,good,0,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,male,41,35-44,highest,secondary,employed_formal,752.77,5,limited,0,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,54,45-54,middle,secondary,employed_formal,91.04,5,limited,0,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,41,35-44,fourth,tertiary,farmer,198.81,6,none,0,483,1,family_friends,2213.94,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2020,urban,female,23,18-24,middle,none,employed_formal,241.2,5,good,1,464,1,microfinance,4347.51,vehicle,consumption,1,4081.37,0.295,36,146.78,late_60_days,not_applicable,high_burden
Niger,2022,rural,male,18,18-24,lowest,secondary,farmer,41.47,9,limited,0,725,1,informal_lender,2314.97,savings,business,1,1859.47,0.781,6,552.06,current,not_applicable,high_burden
Tanzania,2018,urban,male,37,35-44,second,none,self_employed,195.8,10,limited,1,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,female,32,25-34,lowest,secondary,employed_informal,67.94,6,limited,0,425,1,informal_lender,3210.61,guarantor,asset_purchase,1,3066.67,0.794,18,305.58,current,not_applicable,high_burden
Senegal,2024,rural,male,34,25-34,lowest,secondary,employed_informal,78.54,3,none,1,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,female,41,35-44,fourth,none,employed_formal,865.94,7,none,1,470,1,commercial_bank,6936.05,none,business,1,5602.47,0.152,6,1076.01,current,not_applicable,high_burden
Kenya,2025,rural,female,22,18-24,middle,primary,self_employed,87.6,5,limited,0,323,1,informal_lender,3641.23,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2018,rural,male,21,18-24,lowest,primary,employed_formal,125.56,5,limited,1,763,1,commercial_bank,1871.19,savings,consumption,1,1498.64,0.135,24,70.89,current,not_applicable,high_burden
Kenya,2025,rural,male,52,45-54,second,none,self_employed,78.42,4,limited,1,803,1,digital_lender,2603.96,none,business,1,2158.63,0.46,36,87.53,late_30_days,not_applicable,high_burden
Kenya,2024,rural,female,38,35-44,lowest,secondary,employed_informal,25.32,5,none,0,555,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,female,43,35-44,highest,none,farmer,1117.6,8,none,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,female,23,18-24,highest,secondary,employed_informal,596.12,4,limited,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,female,63,55+,lowest,tertiary,employed_informal,72.31,5,none,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,male,27,25-34,middle,primary,employed_formal,219.42,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,male,41,35-44,lowest,secondary,self_employed,52.84,10,limited,1,320,1,commercial_bank,6203.98,guarantor,asset_purchase,1,4978.84,0.174,6,974.27,late_60_days,not_applicable,high_burden
Niger,2022,urban,female,30,25-34,second,secondary,self_employed,382.59,3,good,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,male,40,35-44,second,primary,farmer,176.4,6,good,1,120,1,microfinance,11364.81,none,housing,1,10957.0,0.355,6,2473.57,current,not_applicable,high_burden
Ethiopia,2022,rural,female,28,25-34,lowest,secondary,farmer,20.66,4,good,1,374,1,commercial_bank,2850.74,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2023,urban,male,41,35-44,lowest,primary,farmer,243.94,10,excellent,1,502,1,family_friends,6481.62,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2021,rural,male,33,25-34,lowest,secondary,self_employed,78.89,5,excellent,1,278,1,commercial_bank,3123.19,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2022,urban,female,68,55+,highest,tertiary,self_employed,1250.34,2,none,0,664,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,38,35-44,fourth,tertiary,farmer,152.43,6,limited,1,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,urban,male,56,55+,fourth,none,employed_informal,269.73,3,none,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,male,69,55+,second,secondary,farmer,106.68,3,none,1,622,1,digital_lender,3799.36,savings,asset_purchase,1,3429.96,0.471,12,420.43,current,not_applicable,high_burden
Senegal,2018,rural,male,31,25-34,fourth,tertiary,farmer,1277.13,6,limited,0,271,1,microfinance,5606.53,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2020,rural,male,38,35-44,middle,secondary,employed_informal,56.98,9,limited,1,182,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,female,48,45-54,highest,primary,self_employed,1590.2,2,none,1,57,1,commercial_bank,6745.44,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2020,rural,male,22,18-24,lowest,tertiary,farmer,146.86,8,none,0,539,1,informal_lender,897.75,guarantor,asset_purchase,1,823.54,0.755,18,80.29,current,not_applicable,high_burden
Uganda,2023,rural,male,18,18-24,second,secondary,self_employed,104.88,9,none,1,399,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,female,22,18-24,middle,tertiary,employed_informal,141.32,4,none,1,95,1,microfinance,1932.38,equipment,business,1,1729.15,0.283,6,369.86,defaulted,not_applicable,high_burden
South Africa,2019,urban,female,53,45-54,highest,none,employed_formal,875.49,9,excellent,0,850,1,informal_lender,8317.07,guarantor,housing,1,7320.61,0.835,12,1119.64,current,not_applicable,high_burden
Ethiopia,2021,rural,female,30,25-34,second,tertiary,unemployed,306.49,3,none,0,116,1,informal_lender,3741.28,equipment,agriculture,1,3206.52,0.845,18,328.63,current,not_applicable,high_burden
Rwanda,2021,rural,male,55,45-54,fourth,primary,farmer,1086.5,6,limited,0,154,1,informal_lender,7508.04,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Tanzania,2020,urban,female,20,18-24,lowest,tertiary,farmer,302.3,3,good,0,850,1,digital_lender,2746.31,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2022,rural,female,62,55+,second,tertiary,employed_informal,195.59,5,limited,1,317,1,microfinance,10514.43,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2018,rural,female,20,18-24,fourth,secondary,self_employed,241.56,1,none,0,411,1,informal_lender,4731.79,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2020,urban,female,46,45-54,middle,tertiary,self_employed,300.19,8,none,1,455,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,rural,male,33,25-34,fourth,secondary,self_employed,202.68,9,limited,0,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,male,27,25-34,second,primary,farmer,211.19,2,none,1,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,female,21,18-24,fourth,secondary,unemployed,220.42,1,limited,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,urban,male,38,35-44,lowest,secondary,farmer,135.44,10,limited,0,19,1,sacco,960.3,guarantor,agriculture,1,920.14,0.349,18,68.98,current,not_applicable,high_burden
DRC,2019,urban,female,65,55+,middle,secondary,farmer,584.96,10,none,1,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,rural,male,68,55+,fourth,none,employed_informal,277.58,1,limited,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,male,59,55+,highest,primary,self_employed,665.91,5,none,1,550,1,commercial_bank,3940.6,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2021,rural,female,52,45-54,highest,primary,employed_formal,707.55,5,limited,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,male,28,25-34,second,primary,self_employed,298.68,7,limited,0,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,urban,female,27,25-34,middle,primary,self_employed,329.98,8,none,1,0,1,digital_lender,22924.75,guarantor,business,1,22781.01,0.481,12,2811.12,late_30_days,not_applicable,high_burden
Senegal,2023,urban,male,38,35-44,fourth,secondary,employed_formal,236.03,8,limited,0,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,male,25,18-24,second,primary,employed_informal,172.74,9,none,1,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,female,67,55+,lowest,primary,employed_informal,18.82,5,limited,0,173,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,63,55+,fourth,secondary,employed_informal,73.43,7,limited,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,female,33,25-34,lowest,secondary,self_employed,185.55,2,none,0,469,1,employer,2950.87,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2019,urban,female,67,55+,fourth,primary,self_employed,252.4,5,none,1,72,1,microfinance,6768.99,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2019,rural,male,48,45-54,second,none,farmer,199.26,8,good,0,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,male,30,25-34,middle,primary,self_employed,53.33,9,none,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,male,20,18-24,fourth,primary,employed_informal,664.81,4,none,0,146,1,family_friends,11949.43,guarantor,consumption,1,11683.55,0.062,36,344.61,current,not_applicable,high_burden
Zambia,2019,urban,female,60,55+,fourth,primary,farmer,732.4,5,none,0,58,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,female,61,55+,fourth,primary,farmer,597.03,4,limited,0,36,1,commercial_bank,12100.1,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2022,urban,male,36,35-44,lowest,tertiary,employed_informal,98.67,10,none,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,urban,female,30,25-34,lowest,primary,self_employed,84.89,8,none,0,684,1,commercial_bank,1744.89,none,business,1,1578.77,0.213,12,159.52,paid_off,not_applicable,high_burden
Rwanda,2024,urban,female,64,55+,lowest,secondary,employed_formal,44.58,8,limited,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,26,25-34,second,secondary,employed_informal,78.36,5,limited,1,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,male,45,35-44,highest,secondary,employed_informal,493.13,4,limited,0,186,1,microfinance,12208.77,vehicle,business,1,11900.23,0.343,24,666.04,current,not_applicable,high_burden
Kenya,2018,rural,male,36,35-44,fourth,tertiary,employed_informal,274.26,4,none,0,32,1,family_friends,3604.57,savings,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2022,rural,female,49,45-54,lowest,secondary,employed_formal,43.35,7,none,0,200,1,commercial_bank,1547.39,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2023,rural,female,30,25-34,lowest,tertiary,self_employed,103.63,3,none,0,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,female,64,55+,highest,tertiary,employed_formal,734.06,9,limited,0,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,male,54,45-54,middle,secondary,employed_formal,1046.76,10,limited,0,133,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,female,44,35-44,middle,secondary,self_employed,183.88,4,none,1,281,1,family_friends,5453.61,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2025,rural,female,27,25-34,lowest,tertiary,employed_informal,101.39,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,male,47,45-54,middle,secondary,employed_informal,56.42,10,none,0,10,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,female,56,55+,middle,primary,employed_informal,205.31,5,limited,1,840,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,female,24,18-24,middle,tertiary,employed_informal,217.23,6,none,1,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,57,55+,fourth,tertiary,farmer,199.71,3,good,1,338,1,family_friends,5410.86,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2019,rural,female,19,18-24,highest,primary,farmer,244.5,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,female,34,25-34,middle,secondary,unemployed,112.16,1,limited,1,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,male,23,18-24,second,secondary,employed_informal,196.78,3,none,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,60,55+,fourth,tertiary,farmer,277.08,1,none,0,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,female,34,25-34,fourth,secondary,self_employed,355.64,4,none,0,239,1,digital_lender,7741.47,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Tanzania,2019,rural,female,54,45-54,lowest,tertiary,unemployed,34.99,1,none,0,343,1,family_friends,1617.82,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2020,rural,male,47,45-54,lowest,secondary,employed_informal,107.41,7,limited,0,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,male,67,55+,middle,tertiary,self_employed,35.82,9,limited,1,580,1,commercial_bank,1786.56,none,education,1,1659.85,0.157,6,320.03,current,not_applicable,high_burden
Mali,2022,urban,female,68,55+,lowest,primary,employed_formal,229.42,10,limited,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,urban,male,58,55+,middle,secondary,unemployed,890.13,3,limited,0,414,1,digital_lender,9608.66,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2019,rural,female,55,45-54,second,secondary,farmer,151.85,5,none,1,340,1,microfinance,2174.31,none,business,1,2065.69,0.348,18,154.68,late_30_days,not_applicable,high_burden
Ghana,2022,urban,male,62,55+,middle,primary,self_employed,318.64,3,good,0,850,1,family_friends,11137.74,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2023,urban,male,20,18-24,second,secondary,self_employed,63.5,6,good,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,male,48,45-54,middle,tertiary,self_employed,141.31,2,none,0,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,female,31,25-34,lowest,primary,self_employed,28.89,9,none,1,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,male,19,18-24,middle,primary,unemployed,273.08,3,good,0,364,1,informal_lender,11155.57,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2022,urban,female,30,25-34,middle,secondary,unemployed,106.31,6,none,0,151,1,informal_lender,5644.51,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2018,rural,female,30,25-34,lowest,primary,employed_formal,96.72,6,good,0,206,1,digital_lender,3554.43,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2018,urban,female,40,35-44,lowest,secondary,employed_informal,103.42,10,none,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,male,58,55+,highest,primary,farmer,228.87,6,none,1,29,1,digital_lender,3625.15,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2023,urban,male,49,45-54,second,secondary,self_employed,108.16,5,limited,1,106,1,employer,2033.52,savings,education,1,1967.08,0.085,18,118.56,late_60_days,not_applicable,high_burden
Kenya,2022,rural,female,47,45-54,middle,primary,farmer,113.71,5,limited,0,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,male,27,25-34,second,none,employed_informal,225.56,1,none,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,male,22,18-24,second,secondary,unemployed,65.04,5,none,0,729,1,family_friends,2523.42,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2025,rural,female,32,25-34,highest,secondary,self_employed,129.11,7,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,54,45-54,middle,secondary,unemployed,323.43,1,good,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,male,24,18-24,lowest,primary,employed_formal,34.18,8,limited,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,male,28,25-34,second,none,farmer,167.14,8,good,0,780,1,digital_lender,3516.56,vehicle,business,1,3143.4,0.422,12,372.54,current,not_applicable,high_burden
Kenya,2019,rural,female,68,55+,fourth,secondary,self_employed,97.85,8,limited,0,578,1,sacco,5543.18,guarantor,agriculture,1,4758.76,0.317,36,174.04,paid_off,not_applicable,high_burden
Rwanda,2025,rural,male,25,18-24,lowest,primary,self_employed,60.55,1,none,1,77,1,commercial_bank,3288.68,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2021,urban,female,43,35-44,highest,secondary,employed_informal,205.09,7,limited,1,453,1,digital_lender,3295.02,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2018,rural,female,18,18-24,fourth,secondary,farmer,581.87,3,excellent,1,349,1,commercial_bank,3916.78,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2024,rural,male,53,45-54,second,primary,self_employed,130.48,10,good,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,18,18-24,middle,tertiary,employed_formal,367.53,10,none,0,529,1,informal_lender,4169.34,guarantor,business,1,4124.95,0.84,12,632.65,late_30_days,not_applicable,high_burden
Senegal,2020,rural,male,59,55+,lowest,secondary,employed_informal,148.74,5,none,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,male,44,35-44,lowest,secondary,farmer,53.01,8,limited,0,681,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,male,31,25-34,fourth,secondary,unemployed,226.62,1,none,0,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,rural,male,34,25-34,second,secondary,employed_informal,237.38,10,none,0,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,54,45-54,lowest,primary,employed_informal,22.94,3,excellent,0,660,1,microfinance,1975.43,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2025,rural,female,31,25-34,highest,primary,employed_informal,579.18,4,good,1,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,female,56,55+,second,secondary,self_employed,194.97,4,good,1,343,1,commercial_bank,3668.0,none,business,1,3260.45,0.135,24,154.2,late_60_days,not_applicable,high_burden
Kenya,2018,urban,female,61,55+,highest,primary,self_employed,844.19,5,none,1,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,female,55,45-54,second,primary,farmer,31.68,7,none,0,109,1,commercial_bank,2041.73,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Zambia,2024,rural,male,69,55+,fourth,secondary,unemployed,404.93,1,none,1,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,female,60,55+,middle,none,unemployed,314.93,1,excellent,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,male,43,35-44,second,primary,self_employed,57.42,5,limited,1,269,1,family_friends,1336.43,none,consumption,1,1280.6,0.043,6,222.52,current,not_applicable,high_burden
Kenya,2018,rural,male,46,45-54,second,primary,farmer,91.12,2,none,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,68,55+,middle,primary,employed_informal,254.28,4,none,1,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,urban,male,63,55+,second,secondary,farmer,161.75,8,limited,0,477,1,informal_lender,5139.82,none,consumption,1,4556.5,0.811,36,229.18,defaulted,not_applicable,high_burden
Mali,2019,urban,female,26,25-34,second,tertiary,employed_informal,249.85,7,good,1,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,urban,male,20,18-24,lowest,primary,self_employed,50.68,6,good,0,566,1,family_friends,3474.53,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2023,rural,female,57,55+,middle,none,employed_informal,411.27,9,none,0,662,1,microfinance,3565.09,savings,agriculture,1,3469.96,0.309,36,126.14,current,not_applicable,high_burden
DRC,2023,urban,male,21,18-24,second,tertiary,employed_informal,516.26,3,limited,0,630,1,employer,27386.8,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2021,urban,female,19,18-24,fourth,primary,farmer,709.79,7,none,1,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,female,18,18-24,middle,secondary,unemployed,482.87,1,limited,0,732,1,informal_lender,9084.32,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2023,rural,male,39,35-44,lowest,tertiary,employed_informal,23.69,9,limited,1,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,female,46,45-54,middle,none,self_employed,90.88,4,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,male,26,25-34,highest,secondary,farmer,510.66,9,none,1,660,1,digital_lender,12246.22,none,business,1,10385.56,0.494,18,861.93,current,not_applicable,high_burden
Kenya,2025,urban,male,49,45-54,middle,primary,unemployed,348.59,1,limited,1,508,1,commercial_bank,3247.99,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2025,rural,male,60,55+,middle,tertiary,farmer,282.11,4,limited,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,25,18-24,middle,primary,farmer,440.37,7,none,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,60,55+,lowest,none,employed_informal,65.2,9,limited,0,683,1,family_friends,2543.85,vehicle,consumption,1,2241.49,0.023,12,191.0,paid_off,not_applicable,high_burden
Tanzania,2024,rural,female,45,35-44,middle,secondary,unemployed,219.77,5,none,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,female,39,35-44,fourth,secondary,farmer,213.41,4,none,0,130,1,informal_lender,3945.46,none,asset_purchase,1,3551.17,0.776,18,350.46,late_30_days,not_applicable,high_burden
Ethiopia,2021,urban,female,69,55+,second,primary,employed_formal,233.29,7,none,1,636,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,60,55+,lowest,none,farmer,47.41,1,none,1,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,male,64,55+,lowest,secondary,self_employed,17.23,4,none,0,727,1,commercial_bank,1145.94,none,consumption,1,944.67,0.214,24,47.78,current,not_applicable,high_burden
Kenya,2018,urban,male,37,35-44,middle,secondary,employed_informal,44.88,6,none,1,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,male,62,55+,fourth,secondary,unemployed,414.63,1,none,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,female,31,25-34,fourth,primary,farmer,134.64,7,none,0,0,1,informal_lender,1672.05,guarantor,business,1,1362.69,0.752,36,66.32,defaulted,not_applicable,high_burden
Senegal,2019,rural,female,19,18-24,second,secondary,self_employed,215.76,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,female,30,25-34,fourth,primary,unemployed,503.77,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,male,36,35-44,second,primary,employed_informal,106.05,9,none,1,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,male,62,55+,lowest,primary,employed_formal,191.84,10,limited,1,614,1,informal_lender,5825.61,none,business,1,5667.17,0.817,12,857.92,current,not_applicable,high_burden
Niger,2021,urban,female,21,18-24,second,none,farmer,302.61,4,good,0,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,male,68,55+,lowest,none,self_employed,35.55,3,none,1,387,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,37,35-44,fourth,secondary,unemployed,270.87,1,none,0,499,1,informal_lender,4057.61,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2025,rural,female,29,25-34,middle,secondary,employed_informal,220.78,8,good,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,urban,female,20,18-24,fourth,secondary,farmer,387.81,6,limited,0,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,male,55,45-54,second,primary,farmer,424.78,4,none,0,276,1,sacco,3619.31,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2018,rural,female,32,25-34,fourth,secondary,employed_informal,329.89,6,excellent,0,490,1,commercial_bank,2511.38,guarantor,business,1,2153.26,0.206,24,108.2,current,not_applicable,high_burden
Ethiopia,2020,urban,female,39,35-44,lowest,tertiary,self_employed,53.9,9,good,0,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,female,37,35-44,second,secondary,employed_formal,176.51,10,none,0,93,1,employer,2230.91,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
DRC,2020,urban,female,28,25-34,second,secondary,self_employed,321.59,8,good,1,119,1,sacco,9227.38,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2018,urban,female,64,55+,second,primary,unemployed,245.57,1,limited,1,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,male,44,35-44,middle,primary,unemployed,191.46,1,none,1,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,female,69,55+,highest,secondary,self_employed,2239.09,6,none,1,820,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,rural,female,59,55+,lowest,secondary,employed_informal,44.97,3,none,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,male,68,55+,middle,secondary,farmer,565.39,4,excellent,0,760,1,family_friends,4343.02,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2018,rural,female,28,25-34,highest,primary,employed_formal,225.09,5,limited,1,641,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,male,48,45-54,second,secondary,farmer,228.17,2,none,0,82,1,microfinance,11600.58,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2019,rural,female,51,45-54,fourth,tertiary,self_employed,373.69,6,none,1,586,1,commercial_bank,1855.4,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2022,rural,female,57,55+,highest,primary,self_employed,312.24,2,limited,0,167,1,family_friends,3453.22,guarantor,consumption,1,3243.73,0.018,12,275.17,late_30_days,not_applicable,high_burden
Uganda,2018,urban,female,20,18-24,lowest,secondary,self_employed,46.55,2,limited,0,282,1,microfinance,3400.64,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mozambique,2024,urban,male,39,35-44,middle,none,farmer,295.66,9,good,0,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,male,46,45-54,second,primary,employed_informal,102.35,2,none,0,385,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,male,27,25-34,fourth,secondary,employed_formal,674.6,10,limited,1,213,1,informal_lender,2356.9,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2024,rural,female,29,25-34,fourth,secondary,self_employed,267.67,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,36,35-44,highest,primary,employed_formal,1187.55,7,limited,1,759,1,digital_lender,3153.85,property,business,1,2529.0,0.452,12,305.99,current,not_applicable,high_burden
South Africa,2024,urban,male,67,55+,second,secondary,self_employed,171.28,5,none,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,male,27,25-34,middle,none,self_employed,199.61,8,good,0,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,female,32,25-34,lowest,secondary,unemployed,76.66,4,none,0,60,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,urban,female,61,55+,middle,tertiary,self_employed,560.61,3,none,0,383,1,commercial_bank,13658.93,property,business,1,11807.48,0.18,12,1160.76,late_60_days,not_applicable,high_burden
DRC,2021,urban,female,37,35-44,lowest,tertiary,self_employed,52.73,3,none,1,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,30,25-34,lowest,secondary,farmer,60.72,6,limited,0,441,1,informal_lender,1453.76,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2024,urban,female,60,55+,lowest,secondary,farmer,62.97,3,none,1,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,female,69,55+,fourth,secondary,self_employed,1021.31,9,excellent,0,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,26,25-34,lowest,none,farmer,23.51,9,none,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,25,18-24,fourth,secondary,farmer,457.74,6,limited,0,94,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,female,36,35-44,fourth,secondary,self_employed,247.77,2,good,0,529,1,digital_lender,2554.95,property,asset_purchase,1,2223.87,0.499,12,277.72,current,not_applicable,high_burden
Nigeria,2022,rural,male,39,35-44,lowest,primary,self_employed,33.02,6,good,1,850,1,commercial_bank,1003.87,guarantor,agriculture,1,893.15,0.223,12,91.05,current,not_applicable,high_burden
Tanzania,2018,rural,female,44,35-44,middle,primary,employed_informal,119.16,9,good,1,621,1,commercial_bank,9036.52,none,emergency,1,7944.53,0.188,12,786.57,late_30_days,not_applicable,high_burden
Kenya,2019,urban,female,21,18-24,second,none,self_employed,81.0,8,good,0,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,male,25,18-24,middle,primary,self_employed,90.57,5,good,1,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,female,28,25-34,second,secondary,self_employed,52.95,10,good,1,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,male,58,55+,middle,primary,employed_informal,254.69,8,none,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,22,18-24,highest,tertiary,employed_formal,216.59,9,limited,1,817,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,female,30,25-34,lowest,secondary,self_employed,18.76,9,limited,1,24,1,microfinance,845.93,none,education,1,750.33,0.305,24,40.81,late_60_days,not_applicable,high_burden
Zambia,2023,rural,male,38,35-44,fourth,none,unemployed,122.25,2,none,0,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,female,29,25-34,fourth,primary,employed_formal,421.62,5,none,0,65,1,informal_lender,6059.22,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Niger,2020,rural,male,21,18-24,lowest,primary,employed_formal,101.99,7,limited,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,urban,male,53,45-54,middle,primary,employed_formal,154.06,10,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,female,24,18-24,lowest,secondary,unemployed,84.09,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,female,61,55+,middle,secondary,farmer,374.53,2,limited,0,650,1,microfinance,2156.25,none,business,1,1764.82,0.35,24,99.25,current,not_applicable,high_burden
Uganda,2018,rural,female,18,18-24,middle,primary,farmer,487.46,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,female,35,25-34,lowest,primary,employed_informal,92.09,2,none,1,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,urban,male,29,25-34,lowest,primary,employed_informal,37.61,8,limited,1,48,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,female,39,35-44,highest,none,employed_formal,2939.69,10,good,0,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,female,61,55+,fourth,secondary,employed_informal,115.33,8,none,1,50,1,commercial_bank,1695.77,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Uganda,2025,rural,male,68,55+,middle,primary,self_employed,170.62,6,limited,1,532,1,sacco,3713.86,vehicle,education,1,2987.13,0.273,12,316.87,current,not_applicable,high_burden
Zambia,2022,rural,male,38,35-44,second,none,farmer,51.47,8,limited,0,643,1,family_friends,3491.06,property,business,1,3089.35,0.016,24,130.78,late_60_days,not_applicable,high_burden
Mali,2022,urban,male,60,55+,lowest,primary,self_employed,84.18,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,male,27,25-34,second,primary,self_employed,237.16,3,good,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,male,30,25-34,lowest,primary,farmer,136.15,1,limited,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,male,69,55+,middle,primary,self_employed,180.54,2,limited,0,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,female,67,55+,middle,secondary,unemployed,435.45,3,limited,1,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,female,47,45-54,lowest,primary,self_employed,109.82,4,none,1,577,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,male,69,55+,second,none,farmer,94.79,5,good,1,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,29,25-34,fourth,none,self_employed,502.82,7,none,0,0,1,family_friends,8777.96,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Rwanda,2022,rural,female,64,55+,fourth,primary,employed_informal,387.22,1,good,1,114,1,digital_lender,8712.34,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2018,rural,female,37,35-44,middle,secondary,self_employed,106.55,7,limited,1,454,1,commercial_bank,4837.83,none,consumption,1,4755.47,0.14,18,301.13,current,not_applicable,high_burden
Ethiopia,2023,rural,male,18,18-24,lowest,secondary,unemployed,74.74,1,excellent,0,515,1,sacco,1054.4,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2023,urban,female,53,45-54,highest,secondary,unemployed,3427.9,1,good,0,594,1,microfinance,16097.77,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2020,urban,male,55,45-54,fourth,primary,self_employed,221.47,2,limited,0,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,female,22,18-24,second,primary,self_employed,77.65,9,none,0,269,1,informal_lender,2585.58,guarantor,housing,1,2360.84,0.758,24,172.91,late_30_days,not_applicable,high_burden
Nigeria,2023,urban,female,44,35-44,highest,primary,employed_informal,1892.39,3,good,1,375,1,sacco,9034.61,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2023,rural,male,19,18-24,highest,primary,unemployed,356.98,2,none,0,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,female,35,25-34,highest,none,farmer,1253.95,8,good,0,213,1,sacco,10632.88,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2022,urban,male,41,35-44,lowest,tertiary,self_employed,33.41,1,limited,1,512,1,commercial_bank,878.66,vehicle,education,1,788.8,0.2,24,39.45,current,not_applicable,high_burden
Zambia,2019,urban,female,65,55+,highest,primary,farmer,349.08,4,none,0,502,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,male,26,25-34,second,none,self_employed,68.64,3,good,1,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,female,34,25-34,lowest,primary,self_employed,28.88,8,none,0,679,1,employer,1602.9,savings,consumption,1,1514.54,0.08,36,45.44,late_30_days,not_applicable,high_burden
Tanzania,2019,rural,male,67,55+,second,none,employed_formal,86.71,4,good,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,female,27,25-34,highest,tertiary,self_employed,1497.98,9,limited,1,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,male,58,55+,middle,tertiary,unemployed,158.37,1,none,0,112,1,informal_lender,5109.42,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2019,rural,female,49,45-54,lowest,tertiary,self_employed,39.92,8,limited,0,30,1,family_friends,6559.15,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2018,rural,female,53,45-54,fourth,secondary,farmer,191.62,8,none,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,24,18-24,lowest,secondary,employed_informal,62.66,2,good,0,110,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,male,67,55+,lowest,primary,farmer,35.39,1,none,1,249,1,digital_lender,1480.92,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2020,rural,female,32,25-34,lowest,secondary,farmer,58.12,10,none,0,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,female,46,45-54,highest,none,self_employed,1438.63,6,none,0,317,1,sacco,17357.15,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2023,urban,female,67,55+,lowest,primary,self_employed,73.55,6,none,0,253,1,family_friends,14978.3,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2021,urban,female,33,25-34,highest,primary,farmer,855.79,9,good,1,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,female,28,25-34,fourth,primary,self_employed,202.31,4,none,1,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,female,31,25-34,highest,primary,employed_formal,632.1,6,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,female,20,18-24,lowest,secondary,employed_formal,25.02,5,none,1,631,1,digital_lender,948.52,none,business,1,795.62,0.489,24,49.38,late_60_days,not_applicable,high_burden
Senegal,2019,rural,male,60,55+,second,secondary,farmer,57.24,8,none,1,139,1,family_friends,2224.71,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2018,rural,male,37,35-44,highest,none,self_employed,281.97,3,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,male,40,35-44,lowest,secondary,self_employed,158.26,4,limited,1,772,1,microfinance,3974.48,guarantor,agriculture,1,3708.53,0.311,18,270.16,late_30_days,not_applicable,high_burden
DRC,2018,rural,male,19,18-24,highest,none,employed_informal,360.97,10,excellent,1,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,male,49,45-54,highest,secondary,farmer,1026.07,7,limited,0,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,urban,male,67,55+,highest,none,self_employed,2476.92,7,good,0,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,female,52,45-54,middle,secondary,employed_informal,261.06,2,none,0,491,1,commercial_bank,2576.52,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2018,urban,male,35,25-34,lowest,primary,self_employed,20.75,4,good,0,334,1,sacco,2596.94,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2025,rural,male,51,45-54,fourth,secondary,employed_informal,528.92,6,limited,1,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,rural,female,61,55+,fourth,tertiary,farmer,166.12,5,limited,1,71,1,commercial_bank,3869.68,property,business,1,3111.29,0.13,18,195.34,current,not_applicable,high_burden
Mali,2019,urban,female,60,55+,lowest,primary,employed_informal,396.19,4,none,1,671,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,female,50,45-54,fourth,primary,unemployed,460.53,6,good,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,female,35,25-34,fourth,tertiary,self_employed,559.07,2,excellent,1,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,male,33,25-34,middle,none,employed_formal,137.73,6,limited,0,194,1,family_friends,1855.41,property,business,1,1739.34,0.035,48,37.51,late_60_days,not_applicable,high_burden
Niger,2020,rural,female,33,25-34,lowest,primary,farmer,55.46,4,none,1,108,1,commercial_bank,2251.84,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2018,rural,male,64,55+,lowest,primary,employed_formal,18.79,6,limited,1,124,1,microfinance,6215.21,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mali,2021,urban,female,46,45-54,middle,primary,unemployed,386.64,1,limited,1,839,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,female,54,45-54,lowest,secondary,employed_informal,177.09,5,good,1,502,1,digital_lender,2212.25,none,housing,1,2025.04,0.464,24,123.54,paid_off,not_applicable,high_burden
Mali,2018,rural,male,28,25-34,lowest,none,self_employed,28.17,10,limited,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,urban,male,33,25-34,highest,tertiary,employed_formal,626.29,7,limited,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,male,46,45-54,middle,none,unemployed,57.84,5,limited,0,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,male,23,18-24,lowest,tertiary,farmer,97.68,10,none,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,59,55+,middle,secondary,employed_informal,127.26,8,limited,0,337,1,informal_lender,6504.17,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2022,rural,male,67,55+,lowest,none,farmer,248.23,7,good,1,555,1,digital_lender,5766.25,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2020,rural,male,19,18-24,highest,secondary,unemployed,207.31,1,none,1,523,1,commercial_bank,3670.59,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2024,rural,male,28,25-34,second,primary,employed_informal,132.76,2,limited,0,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,male,45,35-44,fourth,secondary,farmer,852.45,4,limited,1,528,1,microfinance,11977.12,savings,education,1,11001.67,0.367,18,835.3,current,not_applicable,high_burden
Kenya,2019,urban,male,26,25-34,lowest,primary,farmer,90.82,1,none,0,96,1,microfinance,1608.69,equipment,business,1,1541.68,0.331,36,57.0,paid_off,not_applicable,high_burden
Uganda,2022,rural,male,22,18-24,middle,secondary,self_employed,87.2,2,limited,0,444,1,informal_lender,5220.84,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2019,urban,male,24,18-24,lowest,secondary,farmer,71.33,7,none,1,374,1,family_friends,4229.1,property,business,1,4009.09,0.051,48,87.75,current,not_applicable,high_burden
Mozambique,2021,urban,male,41,35-44,lowest,primary,employed_informal,53.6,8,none,0,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,male,40,35-44,lowest,primary,employed_informal,90.34,9,none,0,369,1,microfinance,4963.53,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2024,urban,male,68,55+,highest,secondary,unemployed,1336.93,1,none,1,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,female,56,55+,fourth,tertiary,self_employed,386.65,1,none,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,male,67,55+,highest,primary,self_employed,1705.8,9,limited,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,36,35-44,lowest,tertiary,employed_informal,35.6,10,none,0,99,1,microfinance,8879.53,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2018,urban,male,65,55+,middle,none,farmer,185.8,5,good,1,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,urban,male,57,55+,lowest,primary,employed_informal,34.43,8,excellent,0,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,45,35-44,second,primary,self_employed,183.55,10,none,1,399,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,urban,male,59,55+,fourth,secondary,self_employed,477.69,9,limited,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,urban,male,44,35-44,lowest,none,employed_informal,39.01,1,limited,0,44,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,male,57,55+,highest,none,employed_formal,163.22,6,good,1,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,female,27,25-34,second,secondary,self_employed,294.45,8,none,1,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,female,41,35-44,second,none,self_employed,51.25,3,none,0,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,female,67,55+,highest,none,self_employed,966.48,5,none,1,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,67,55+,second,primary,self_employed,146.47,2,none,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,urban,female,52,45-54,fourth,primary,employed_formal,292.17,4,none,0,35,1,family_friends,4140.85,savings,education,1,3892.97,0.077,24,174.77,current,not_applicable,high_burden
DRC,2025,urban,female,69,55+,fourth,primary,employed_informal,522.6,10,none,1,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,male,53,45-54,second,primary,employed_informal,310.61,5,none,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,male,66,55+,fourth,primary,unemployed,100.77,1,none,0,78,1,digital_lender,5582.44,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Senegal,2022,urban,female,20,18-24,fourth,tertiary,self_employed,1221.43,10,none,1,35,1,commercial_bank,19272.29,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2022,rural,female,68,55+,lowest,tertiary,self_employed,159.41,4,none,1,126,1,digital_lender,3187.38,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2024,rural,male,62,55+,second,none,self_employed,281.46,5,none,0,375,1,informal_lender,3240.7,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2022,rural,female,42,35-44,lowest,none,employed_informal,79.05,4,limited,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,male,27,25-34,second,secondary,farmer,81.28,3,good,0,293,1,microfinance,2848.12,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2020,rural,male,30,25-34,middle,secondary,farmer,198.88,7,good,1,504,1,microfinance,2799.2,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2022,rural,female,34,25-34,highest,primary,employed_informal,404.8,7,limited,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,female,19,18-24,lowest,primary,employed_formal,120.78,7,none,0,459,1,informal_lender,1009.18,guarantor,housing,1,831.99,0.786,24,61.91,late_30_days,not_applicable,high_burden
South Africa,2025,urban,male,64,55+,lowest,primary,employed_informal,83.09,9,limited,1,49,1,digital_lender,1249.62,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2018,rural,male,37,35-44,fourth,secondary,self_employed,95.52,4,good,0,706,1,microfinance,2770.34,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2018,rural,male,55,45-54,second,none,self_employed,161.18,4,good,1,800,1,informal_lender,3479.68,equipment,agriculture,1,3001.77,0.8,18,300.2,current,not_applicable,high_burden
Mozambique,2024,rural,male,21,18-24,second,secondary,self_employed,174.19,8,limited,0,411,1,family_friends,4204.93,property,agriculture,1,3509.78,0.068,36,104.11,current,not_applicable,high_burden
Ethiopia,2021,rural,female,47,45-54,fourth,primary,employed_informal,557.72,3,limited,1,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,male,20,18-24,middle,primary,self_employed,122.41,2,none,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,female,37,35-44,lowest,primary,farmer,89.1,7,none,1,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,male,32,25-34,middle,secondary,self_employed,425.47,4,none,1,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,female,40,35-44,lowest,tertiary,self_employed,111.12,8,none,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,female,56,55+,middle,none,employed_formal,734.57,9,good,0,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,female,20,18-24,highest,primary,unemployed,368.83,1,none,1,226,1,microfinance,2696.27,savings,education,1,2412.52,0.338,12,268.96,current,not_applicable,high_burden
Nigeria,2022,rural,male,55,45-54,lowest,none,farmer,12.01,2,none,1,193,1,digital_lender,1709.89,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2025,urban,male,26,25-34,second,primary,farmer,195.04,1,limited,0,826,1,informal_lender,8872.95,none,business,1,8061.92,0.78,24,598.09,late_30_days,not_applicable,high_burden
Nigeria,2025,urban,male,69,55+,fourth,none,farmer,424.88,3,excellent,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,female,55,45-54,second,secondary,employed_formal,127.38,5,good,1,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,female,63,55+,second,none,self_employed,195.08,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,male,32,25-34,lowest,tertiary,self_employed,28.49,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,urban,female,59,55+,middle,primary,farmer,171.36,7,none,0,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,female,36,35-44,highest,tertiary,employed_formal,602.73,6,none,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,male,51,45-54,lowest,secondary,self_employed,53.22,5,none,0,241,1,family_friends,2252.61,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Uganda,2024,urban,female,58,55+,highest,primary,self_employed,2221.07,8,limited,1,173,1,microfinance,11468.61,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Senegal,2022,rural,female,22,18-24,middle,tertiary,farmer,404.18,9,none,0,361,1,informal_lender,4481.22,property,business,1,3818.24,0.843,12,586.41,current,not_applicable,high_burden
South Africa,2019,rural,female,40,35-44,fourth,tertiary,unemployed,593.44,3,none,1,595,1,family_friends,6288.32,vehicle,consumption,1,6235.41,0.004,12,521.69,current,not_applicable,high_burden
DRC,2018,urban,male,46,45-54,middle,secondary,farmer,799.15,1,excellent,0,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,female,24,18-24,middle,primary,unemployed,233.52,1,limited,0,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,40,35-44,lowest,secondary,employed_formal,46.85,5,none,0,0,1,sacco,1496.78,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2022,urban,female,66,55+,middle,secondary,employed_formal,728.12,6,good,1,112,1,family_friends,6771.91,equipment,asset_purchase,1,6439.05,0.05,6,1126.55,paid_off,not_applicable,high_burden
Mozambique,2019,urban,female,29,25-34,lowest,secondary,self_employed,74.05,6,none,1,605,1,employer,2826.54,guarantor,asset_purchase,1,2336.69,0.016,6,395.76,current,not_applicable,high_burden
Mali,2018,rural,female,26,25-34,fourth,primary,unemployed,235.12,1,none,0,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,male,36,35-44,fourth,tertiary,self_employed,585.79,4,none,0,564,1,family_friends,3171.58,savings,business,1,2672.32,0.092,12,243.15,late_60_days,not_applicable,high_burden
Ethiopia,2021,rural,female,36,35-44,middle,secondary,self_employed,257.45,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,38,35-44,middle,tertiary,unemployed,390.02,1,none,1,384,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,female,25,18-24,second,primary,farmer,859.99,4,none,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,male,59,55+,highest,primary,farmer,557.15,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,58,55+,highest,secondary,self_employed,735.34,4,limited,0,491,1,microfinance,8551.23,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
South Africa,2021,rural,male,65,55+,middle,none,self_employed,124.25,3,limited,0,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,male,62,55+,fourth,secondary,self_employed,381.45,9,good,1,751,1,family_friends,2275.42,savings,housing,1,1820.83,0.017,24,77.16,current,not_applicable,high_burden
Ethiopia,2025,rural,female,27,25-34,second,primary,farmer,45.86,3,none,0,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,urban,male,43,35-44,fourth,secondary,employed_informal,724.87,3,none,0,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,male,46,45-54,fourth,secondary,self_employed,409.73,9,limited,0,116,1,informal_lender,9958.18,savings,education,1,8164.16,0.791,24,609.2,current,not_applicable,high_burden
Tanzania,2023,rural,female,49,45-54,lowest,secondary,farmer,29.59,5,good,0,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,male,24,18-24,middle,none,employed_formal,562.29,4,limited,0,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,female,65,55+,second,none,self_employed,108.65,10,good,0,300,1,digital_lender,3223.69,savings,asset_purchase,1,2645.93,0.484,12,327.2,late_30_days,not_applicable,high_burden
Malawi,2020,urban,female,53,45-54,highest,secondary,unemployed,1934.77,1,none,0,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,rural,male,33,25-34,fourth,secondary,unemployed,154.5,5,none,0,311,1,informal_lender,1446.28,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2020,rural,female,22,18-24,lowest,secondary,employed_formal,64.17,10,limited,1,389,1,commercial_bank,1499.89,none,business,1,1350.77,0.161,6,261.39,late_30_days,not_applicable,high_burden
Uganda,2025,rural,male,66,55+,second,primary,self_employed,99.0,9,limited,0,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,male,20,18-24,lowest,none,employed_informal,43.46,2,none,1,364,1,microfinance,572.12,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2021,rural,female,54,45-54,second,primary,farmer,110.92,5,none,1,189,1,microfinance,2886.41,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2025,rural,male,31,25-34,second,tertiary,self_employed,131.67,6,good,1,802,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,30,25-34,middle,primary,unemployed,219.0,4,limited,0,727,1,family_friends,1787.55,none,asset_purchase,1,1763.77,0.067,12,156.87,defaulted,not_applicable,high_burden
Mozambique,2025,rural,male,66,55+,highest,secondary,farmer,657.54,1,none,0,334,1,family_friends,5484.8,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2025,rural,male,39,35-44,second,secondary,employed_formal,108.36,10,limited,1,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,female,44,35-44,second,secondary,employed_informal,135.48,9,none,1,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,female,57,55+,lowest,primary,self_employed,43.76,5,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,male,44,35-44,highest,tertiary,self_employed,660.5,3,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,male,34,25-34,fourth,primary,farmer,150.39,8,limited,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,female,27,25-34,highest,secondary,farmer,1746.67,5,limited,0,721,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,female,61,55+,fourth,secondary,self_employed,804.16,6,none,0,626,1,sacco,28068.37,savings,housing,1,27195.03,0.28,12,2901.63,late_30_days,not_applicable,high_burden
Nigeria,2022,rural,male,57,55+,second,none,farmer,86.95,6,limited,1,596,1,commercial_bank,1467.48,none,housing,1,1302.8,0.163,36,42.09,current,not_applicable,high_burden
Mali,2020,urban,male,53,45-54,second,tertiary,self_employed,336.25,7,good,0,452,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,female,57,55+,middle,secondary,employed_informal,324.16,3,excellent,1,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,male,64,55+,second,secondary,unemployed,122.45,5,limited,1,170,1,commercial_bank,3667.85,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2019,rural,male,19,18-24,middle,primary,farmer,141.54,2,limited,1,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,male,43,35-44,middle,secondary,employed_formal,110.42,10,none,0,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,urban,female,47,45-54,highest,tertiary,employed_formal,684.24,10,excellent,0,644,1,commercial_bank,12822.5,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2018,rural,male,50,45-54,second,secondary,farmer,100.11,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,29,25-34,fourth,tertiary,employed_informal,416.5,7,limited,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,male,21,18-24,highest,secondary,self_employed,2735.32,8,limited,0,678,1,family_friends,17094.51,guarantor,education,1,14130.65,0.037,12,1221.16,current,not_applicable,high_burden
South Africa,2024,rural,male,19,18-24,lowest,none,self_employed,155.64,3,excellent,1,723,1,commercial_bank,3651.65,guarantor,education,1,3327.73,0.158,18,214.04,late_30_days,not_applicable,high_burden
Tanzania,2023,rural,female,65,55+,highest,secondary,farmer,660.19,8,good,0,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,male,60,55+,lowest,primary,employed_formal,129.01,4,none,1,573,1,sacco,3937.67,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2019,rural,female,22,18-24,fourth,secondary,farmer,305.48,10,none,1,479,1,commercial_bank,5268.4,vehicle,consumption,1,4781.49,0.186,36,157.49,current,not_applicable,high_burden
Zambia,2018,urban,male,31,25-34,fourth,primary,self_employed,209.61,5,limited,1,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,36,35-44,second,tertiary,employed_informal,85.61,7,good,0,580,1,informal_lender,6436.56,vehicle,agriculture,1,5439.09,0.8,18,543.86,late_30_days,not_applicable,high_burden
Kenya,2022,rural,male,59,55+,second,none,employed_formal,87.27,10,good,1,561,1,commercial_bank,2018.6,guarantor,housing,1,1759.3,0.201,18,117.36,paid_off,not_applicable,high_burden
DRC,2022,urban,male,36,35-44,fourth,secondary,employed_informal,11959.18,7,good,0,300,1,commercial_bank,8222.9,guarantor,business,1,8184.92,0.184,18,538.16,current,not_applicable,high_burden
Kenya,2018,urban,male,59,55+,middle,primary,self_employed,276.83,1,limited,1,726,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,urban,female,35,25-34,fourth,primary,farmer,116.34,4,limited,1,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,44,35-44,fourth,none,employed_informal,320.85,9,none,1,592,1,commercial_bank,3018.88,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2020,rural,female,52,45-54,fourth,primary,unemployed,536.75,1,none,1,441,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,male,27,25-34,middle,secondary,employed_informal,99.51,6,limited,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,urban,male,69,55+,middle,primary,employed_informal,112.97,2,limited,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,male,69,55+,second,primary,employed_formal,131.76,10,good,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,male,56,55+,fourth,none,self_employed,228.65,3,none,0,71,1,digital_lender,3999.55,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2022,urban,male,64,55+,lowest,tertiary,self_employed,72.13,8,none,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,urban,female,53,45-54,fourth,primary,self_employed,945.78,9,none,1,48,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,female,38,35-44,middle,none,employed_informal,85.83,6,good,1,793,1,family_friends,2178.31,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2024,rural,female,40,35-44,lowest,none,self_employed,186.48,3,limited,0,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,49,45-54,lowest,primary,employed_formal,60.47,8,good,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,male,61,55+,middle,secondary,unemployed,112.53,1,limited,1,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,female,23,18-24,second,tertiary,self_employed,89.21,9,good,1,829,1,commercial_bank,1371.29,property,business,1,1370.24,0.149,12,131.17,late_30_days,not_applicable,high_burden
South Africa,2020,rural,female,42,35-44,middle,secondary,farmer,177.24,2,none,1,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,female,49,45-54,lowest,secondary,employed_formal,77.01,8,limited,1,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,male,47,45-54,highest,secondary,unemployed,475.03,3,limited,1,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,male,65,55+,lowest,none,employed_formal,41.83,10,none,0,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,female,29,25-34,second,tertiary,employed_informal,515.27,9,limited,1,9,1,microfinance,5985.69,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2025,rural,male,26,25-34,lowest,tertiary,unemployed,58.0,1,limited,0,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,male,61,55+,highest,secondary,self_employed,144.5,1,none,1,305,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,rural,male,52,45-54,second,primary,unemployed,59.66,1,limited,0,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,male,62,55+,lowest,secondary,farmer,45.94,2,limited,1,163,1,digital_lender,14461.49,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2024,rural,male,45,35-44,fourth,secondary,farmer,268.6,7,none,1,139,1,commercial_bank,2500.67,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2021,urban,male,32,25-34,lowest,tertiary,employed_formal,138.17,10,none,0,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,female,18,18-24,second,primary,self_employed,101.88,4,none,1,353,1,digital_lender,2707.57,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2022,urban,female,49,45-54,lowest,none,employed_formal,250.52,10,limited,1,843,1,sacco,6399.59,none,business,1,6040.02,0.348,12,678.48,current,not_applicable,high_burden
Uganda,2022,rural,male,41,35-44,middle,tertiary,farmer,143.07,1,limited,1,129,1,microfinance,2606.34,guarantor,education,1,2379.81,0.306,12,259.1,paid_off,not_applicable,high_burden
Mozambique,2019,rural,female,46,45-54,fourth,none,self_employed,290.1,8,good,1,505,1,digital_lender,4557.35,none,consumption,1,3715.32,0.446,12,447.67,defaulted,not_applicable,high_burden
Tanzania,2019,rural,female,49,45-54,lowest,secondary,farmer,17.59,5,good,1,850,1,digital_lender,2015.54,none,agriculture,1,1841.57,0.487,24,114.1,current,not_applicable,high_burden
Ethiopia,2023,rural,female,40,35-44,lowest,secondary,employed_informal,37.39,6,good,0,496,1,informal_lender,7294.96,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Niger,2020,urban,male,29,25-34,second,secondary,self_employed,60.21,5,limited,0,800,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,female,59,55+,highest,none,self_employed,578.79,2,none,0,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,male,27,25-34,second,secondary,unemployed,97.66,1,good,0,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,male,64,55+,highest,primary,unemployed,196.96,1,none,1,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,male,29,25-34,second,secondary,employed_formal,176.65,6,limited,1,49,1,digital_lender,3271.97,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2018,rural,male,64,55+,lowest,secondary,self_employed,45.54,8,limited,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,female,51,45-54,second,none,farmer,107.04,8,none,0,498,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,male,68,55+,lowest,primary,farmer,109.86,3,none,1,604,1,sacco,2084.87,guarantor,emergency,1,2065.81,0.292,36,74.12,current,not_applicable,high_burden
Niger,2019,rural,female,59,55+,fourth,tertiary,farmer,348.21,1,good,0,191,1,informal_lender,4466.64,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2020,urban,female,28,25-34,lowest,secondary,self_employed,120.16,7,none,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,male,64,55+,lowest,secondary,farmer,60.14,1,limited,0,619,1,informal_lender,1203.63,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2020,rural,female,61,55+,middle,secondary,farmer,254.82,1,none,1,509,1,informal_lender,2403.31,vehicle,emergency,1,2119.42,0.816,12,320.69,late_30_days,not_applicable,high_burden
Rwanda,2022,rural,male,51,45-54,fourth,secondary,employed_informal,504.33,7,none,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,urban,male,27,25-34,fourth,primary,self_employed,315.95,2,none,0,139,1,family_friends,3862.49,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2021,rural,female,53,45-54,fourth,none,self_employed,352.76,5,none,1,359,1,informal_lender,5662.44,property,agriculture,1,5314.0,0.758,12,778.28,current,not_applicable,high_burden
South Africa,2025,rural,male,51,45-54,highest,none,farmer,814.41,9,none,0,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,male,39,35-44,lowest,tertiary,employed_informal,151.78,3,none,1,691,1,informal_lender,4130.91,guarantor,business,1,3344.31,0.765,36,163.97,current,not_applicable,high_burden
Ghana,2023,urban,male,19,18-24,second,primary,unemployed,231.94,5,limited,0,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,female,31,25-34,highest,primary,self_employed,1118.64,7,limited,1,150,1,microfinance,18930.22,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2022,rural,male,22,18-24,second,none,employed_informal,140.69,4,none,1,244,1,sacco,7672.45,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2021,urban,male,27,25-34,second,secondary,employed_informal,220.37,6,good,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,female,27,25-34,highest,primary,employed_formal,238.54,10,limited,1,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,27,25-34,middle,secondary,self_employed,295.27,1,none,0,191,1,informal_lender,13215.23,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2019,rural,female,38,35-44,fourth,secondary,self_employed,105.63,3,good,1,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,urban,male,34,25-34,fourth,secondary,unemployed,84.0,5,limited,1,390,1,commercial_bank,5259.74,guarantor,emergency,1,4764.02,0.147,6,910.9,current,not_applicable,high_burden
Malawi,2025,rural,male,35,25-34,highest,secondary,employed_informal,3706.64,7,none,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,male,52,45-54,middle,secondary,farmer,79.82,8,good,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,male,59,55+,middle,primary,self_employed,229.95,7,limited,1,287,1,microfinance,4274.82,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2025,rural,male,35,25-34,middle,primary,employed_informal,274.87,1,none,0,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,male,65,55+,lowest,primary,self_employed,128.43,2,none,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,female,48,45-54,lowest,secondary,self_employed,36.12,8,limited,1,230,1,digital_lender,1739.9,property,business,1,1623.91,0.479,12,200.09,defaulted,not_applicable,high_burden
Uganda,2021,rural,female,33,25-34,second,secondary,employed_formal,149.33,5,none,0,734,1,informal_lender,3925.03,equipment,business,1,3600.07,0.8,12,540.03,current,not_applicable,high_burden
Malawi,2022,urban,male,59,55+,second,primary,self_employed,38.1,1,none,0,360,1,family_friends,6135.47,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2018,rural,male,51,45-54,fourth,primary,self_employed,932.42,9,excellent,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,male,45,35-44,fourth,tertiary,farmer,314.93,8,good,1,238,1,commercial_bank,3112.2,vehicle,housing,1,2575.18,0.152,18,164.77,late_30_days,not_applicable,high_burden
Rwanda,2020,urban,female,38,35-44,fourth,secondary,employed_informal,585.84,2,good,1,607,1,microfinance,9175.41,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2021,urban,male,56,55+,fourth,tertiary,unemployed,364.75,4,limited,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,female,43,35-44,fourth,primary,self_employed,196.15,2,limited,0,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,female,26,25-34,middle,primary,self_employed,169.81,4,none,0,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,male,32,25-34,highest,secondary,employed_informal,2193.87,10,none,0,659,1,informal_lender,10500.28,equipment,housing,1,9618.22,0.775,12,1422.31,late_30_days,not_applicable,high_burden
Ghana,2024,urban,female,43,35-44,middle,primary,employed_formal,310.43,10,limited,1,760,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,male,35,25-34,lowest,tertiary,unemployed,71.03,1,good,1,850,1,digital_lender,3235.05,none,business,1,2963.57,0.48,12,365.42,current,not_applicable,high_burden
Nigeria,2022,rural,male,26,25-34,highest,secondary,self_employed,450.15,10,none,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,male,60,55+,lowest,secondary,self_employed,335.0,4,none,0,670,1,microfinance,2866.25,none,education,1,2625.76,0.32,18,192.62,late_30_days,not_applicable,high_burden
Ethiopia,2018,rural,male,22,18-24,second,secondary,employed_informal,93.5,1,none,1,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,female,33,25-34,second,secondary,self_employed,212.14,2,none,0,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,female,57,55+,highest,secondary,farmer,1417.42,3,limited,0,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,male,51,45-54,second,secondary,farmer,42.83,8,none,0,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,male,68,55+,fourth,none,farmer,2751.86,7,none,0,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,urban,male,28,25-34,highest,secondary,farmer,562.03,3,limited,1,139,1,commercial_bank,1959.7,vehicle,business,1,1681.87,0.218,12,170.7,current,not_applicable,high_burden
Kenya,2021,urban,female,19,18-24,lowest,primary,self_employed,138.11,8,limited,1,847,1,commercial_bank,6819.32,savings,business,1,6311.8,0.177,18,412.57,current,not_applicable,high_burden
DRC,2024,urban,male,45,35-44,middle,primary,employed_formal,189.39,5,limited,1,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,urban,male,20,18-24,second,primary,farmer,235.67,8,limited,1,353,1,family_friends,12268.56,property,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Zambia,2022,rural,male,24,18-24,fourth,secondary,employed_formal,782.82,9,excellent,0,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,rural,male,29,25-34,fourth,tertiary,self_employed,486.71,4,limited,1,610,1,sacco,6123.2,none,agriculture,1,5782.75,0.321,36,212.15,current,not_applicable,high_burden
Niger,2019,rural,female,60,55+,second,secondary,farmer,261.75,3,good,1,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,female,32,25-34,middle,none,self_employed,462.65,9,limited,0,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,female,40,35-44,second,primary,employed_informal,341.8,10,limited,1,793,1,microfinance,7191.11,none,agriculture,1,6962.51,0.336,18,516.72,late_60_days,not_applicable,high_burden
South Africa,2022,rural,male,32,25-34,highest,primary,employed_formal,1246.72,10,limited,0,623,1,family_friends,10238.23,none,debt_consolidation,1,9800.75,0.077,6,1759.24,defaulted,not_applicable,high_burden
Senegal,2025,rural,male,43,35-44,fourth,tertiary,unemployed,544.17,6,good,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,rural,male,43,35-44,middle,primary,employed_formal,100.2,8,good,0,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,female,49,45-54,lowest,none,employed_informal,30.34,10,limited,0,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,female,58,55+,fourth,primary,employed_formal,374.96,6,none,0,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,female,27,25-34,lowest,primary,employed_informal,131.34,5,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,male,42,35-44,lowest,secondary,farmer,92.9,9,limited,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,male,53,45-54,lowest,secondary,employed_informal,78.84,2,none,0,216,1,family_friends,5407.28,guarantor,business,1,5298.12,0.069,12,472.13,paid_off,not_applicable,high_burden
Mali,2020,urban,male,20,18-24,middle,primary,employed_formal,136.37,10,limited,0,564,1,sacco,4446.83,property,business,1,4318.34,0.288,12,463.64,late_30_days,not_applicable,high_burden
Malawi,2021,urban,female,57,55+,middle,tertiary,farmer,215.2,8,good,1,160,1,informal_lender,13930.29,property,housing,1,12819.74,0.826,24,975.17,late_30_days,not_applicable,high_burden
Rwanda,2019,rural,male,59,55+,second,secondary,farmer,91.4,8,good,1,729,1,employer,2648.99,property,business,1,2511.46,0.074,24,112.38,defaulted,not_applicable,high_burden
Mozambique,2025,rural,male,46,45-54,fourth,primary,employed_informal,209.58,9,good,0,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,male,40,35-44,middle,none,farmer,515.62,6,good,1,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,female,27,25-34,middle,none,farmer,481.82,10,none,0,37,1,sacco,19623.45,savings,business,1,17303.46,0.341,6,3867.28,late_30_days,not_applicable,high_burden
Ethiopia,2021,rural,female,49,45-54,fourth,none,employed_formal,619.13,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,male,47,45-54,second,tertiary,farmer,311.21,8,none,0,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,female,48,45-54,middle,none,employed_formal,515.11,8,none,0,282,1,informal_lender,5091.85,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2023,rural,female,26,25-34,lowest,primary,employed_informal,57.84,2,none,0,592,1,employer,2512.24,none,consumption,1,2413.98,0.036,6,416.75,current,not_applicable,high_burden
Kenya,2020,rural,female,48,45-54,fourth,none,unemployed,182.86,6,limited,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,male,21,18-24,lowest,secondary,unemployed,77.04,6,none,1,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,female,40,35-44,lowest,primary,employed_informal,39.12,9,limited,1,367,1,commercial_bank,1236.11,equipment,business,1,1177.96,0.165,36,38.1,current,not_applicable,high_burden
Ghana,2022,rural,male,60,55+,highest,primary,employed_informal,834.69,7,excellent,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,female,53,45-54,fourth,none,unemployed,982.62,3,good,1,850,1,commercial_bank,12394.04,savings,agriculture,1,12329.55,0.215,6,2497.07,defaulted,not_applicable,high_burden
Nigeria,2021,rural,male,41,35-44,highest,none,employed_informal,644.27,10,none,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,male,44,35-44,lowest,primary,unemployed,179.8,1,none,1,130,1,family_friends,4001.68,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2024,urban,male,24,18-24,second,tertiary,employed_formal,401.52,10,limited,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,female,64,55+,lowest,tertiary,employed_formal,59.03,10,limited,0,723,1,informal_lender,1483.39,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2018,urban,female,53,45-54,highest,secondary,self_employed,369.96,9,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,68,55+,lowest,tertiary,farmer,33.62,4,limited,0,518,1,informal_lender,2343.55,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2020,urban,female,38,35-44,fourth,primary,self_employed,1049.93,3,none,1,600,1,commercial_bank,11260.98,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2019,rural,female,58,55+,lowest,primary,employed_informal,167.08,1,none,1,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,rural,female,49,45-54,highest,secondary,self_employed,822.28,8,none,0,156,1,informal_lender,3199.41,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2022,rural,male,44,35-44,lowest,primary,self_employed,18.94,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,urban,male,32,25-34,lowest,tertiary,unemployed,32.84,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,female,42,35-44,fourth,tertiary,employed_informal,388.52,7,excellent,0,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,female,34,25-34,lowest,secondary,self_employed,42.47,8,limited,0,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,male,28,25-34,lowest,primary,employed_formal,63.65,10,limited,0,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,male,56,55+,middle,primary,self_employed,181.66,7,limited,1,272,1,digital_lender,1991.92,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Kenya,2024,urban,female,59,55+,lowest,none,unemployed,186.79,1,limited,0,293,1,microfinance,4177.18,none,business,1,3837.29,0.332,24,213.04,current,not_applicable,high_burden
Mozambique,2018,rural,male,62,55+,lowest,secondary,employed_informal,16.38,7,limited,0,617,1,family_friends,1060.83,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2020,urban,male,32,25-34,lowest,secondary,farmer,107.29,9,none,0,31,1,family_friends,4986.66,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2024,urban,male,61,55+,middle,none,unemployed,280.68,3,none,1,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,36,35-44,highest,none,farmer,856.92,4,none,1,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,male,25,18-24,fourth,secondary,self_employed,293.04,8,limited,1,527,1,digital_lender,3297.43,property,agriculture,1,3083.95,0.493,18,255.75,current,not_applicable,high_burden
Senegal,2025,rural,male,45,35-44,fourth,none,unemployed,191.13,1,good,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,female,64,55+,middle,tertiary,self_employed,77.36,3,none,0,372,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,male,23,18-24,second,primary,employed_informal,96.73,9,limited,1,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,female,62,55+,lowest,none,farmer,193.81,10,excellent,1,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,male,62,55+,highest,tertiary,employed_informal,303.6,2,good,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,45,35-44,lowest,primary,self_employed,57.49,5,good,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,female,56,55+,fourth,primary,farmer,360.42,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,female,30,25-34,second,primary,self_employed,288.39,9,limited,0,770,1,family_friends,2193.32,none,consumption,1,2172.97,0.015,24,91.89,current,not_applicable,high_burden
Mozambique,2020,rural,male,67,55+,lowest,secondary,employed_informal,125.68,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,male,36,35-44,fourth,tertiary,self_employed,1103.85,9,none,1,516,1,digital_lender,33972.36,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2023,urban,male,23,18-24,highest,tertiary,farmer,357.58,4,limited,1,211,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,female,33,25-34,middle,primary,unemployed,456.82,1,none,1,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,female,42,35-44,second,primary,self_employed,213.11,6,none,1,0,1,commercial_bank,7368.06,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2019,urban,male,49,45-54,lowest,secondary,farmer,220.05,2,limited,0,17,1,family_friends,5225.05,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2025,rural,female,26,25-34,middle,primary,self_employed,94.89,1,none,1,344,1,family_friends,4369.1,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2021,rural,female,54,45-54,second,secondary,farmer,75.19,5,none,0,0,1,family_friends,3368.18,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2021,rural,female,30,25-34,second,none,self_employed,167.12,4,limited,1,499,1,digital_lender,1749.53,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2022,rural,female,30,25-34,second,secondary,farmer,229.97,4,good,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,urban,male,62,55+,middle,primary,self_employed,329.08,3,none,0,399,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,male,40,35-44,lowest,secondary,unemployed,51.14,1,limited,0,718,1,informal_lender,6151.4,none,housing,1,5370.89,0.787,24,399.85,paid_off,not_applicable,high_burden
Niger,2022,urban,female,62,55+,middle,primary,employed_formal,100.21,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,urban,male,54,45-54,lowest,primary,farmer,55.59,6,excellent,0,394,1,informal_lender,1036.83,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2024,urban,male,24,18-24,middle,primary,self_employed,207.6,1,none,0,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,female,32,25-34,second,tertiary,employed_formal,139.32,8,none,1,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,male,26,25-34,second,tertiary,farmer,221.45,6,limited,1,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,rural,male,42,35-44,fourth,secondary,self_employed,254.2,3,none,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,18,18-24,second,secondary,farmer,246.45,4,good,1,309,1,microfinance,2502.39,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2023,rural,male,40,35-44,highest,tertiary,employed_informal,355.21,10,good,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,urban,male,19,18-24,second,primary,self_employed,165.18,5,limited,0,832,1,employer,9881.4,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2020,rural,male,60,55+,middle,primary,farmer,55.82,5,limited,0,500,1,commercial_bank,1593.19,none,consumption,1,1305.76,0.139,6,247.94,current,not_applicable,high_burden
DRC,2019,rural,male,51,45-54,middle,primary,self_employed,282.94,2,none,0,226,1,microfinance,5660.56,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2018,rural,female,31,25-34,second,primary,self_employed,317.11,9,limited,0,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,male,63,55+,second,tertiary,employed_informal,146.52,8,limited,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,female,53,45-54,second,tertiary,employed_formal,114.61,5,none,1,0,1,digital_lender,9114.28,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2025,rural,male,34,25-34,highest,primary,employed_formal,933.94,10,none,1,558,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,urban,female,35,25-34,middle,secondary,employed_formal,457.32,10,excellent,0,628,1,family_friends,7930.57,guarantor,education,1,7776.4,0.053,18,454.92,current,not_applicable,high_burden
Ethiopia,2020,urban,female,22,18-24,lowest,primary,farmer,79.67,3,good,1,321,1,family_friends,2488.44,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2019,rural,female,41,35-44,highest,tertiary,self_employed,212.94,7,limited,0,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,male,29,25-34,fourth,primary,farmer,242.5,7,none,1,473,1,commercial_bank,2716.89,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2022,rural,female,58,55+,highest,tertiary,employed_formal,487.86,10,limited,1,556,1,commercial_bank,5144.73,guarantor,business,1,4732.62,0.16,12,457.29,current,not_applicable,high_burden
Tanzania,2018,urban,female,68,55+,second,secondary,employed_informal,339.97,7,good,1,162,1,microfinance,6430.13,none,education,1,6420.11,0.277,12,683.03,defaulted,not_applicable,high_burden
Tanzania,2019,rural,female,40,35-44,highest,tertiary,unemployed,1550.39,3,limited,0,668,1,sacco,13340.81,none,agriculture,1,12578.28,0.316,12,1379.85,current,not_applicable,high_burden
Tanzania,2025,urban,male,22,18-24,highest,tertiary,self_employed,602.56,2,none,1,240,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,male,51,45-54,lowest,none,employed_informal,38.79,3,none,1,195,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,rural,male,35,25-34,lowest,none,employed_informal,119.97,2,none,1,571,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,female,54,45-54,fourth,secondary,self_employed,908.56,2,none,1,321,1,informal_lender,4335.33,vehicle,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2022,urban,female,33,25-34,middle,primary,employed_informal,565.32,3,none,1,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,rural,female,44,35-44,second,secondary,unemployed,67.75,2,limited,0,658,1,family_friends,2024.35,property,agriculture,1,1709.27,0.018,48,36.25,current,not_applicable,high_burden
Mozambique,2020,urban,female,50,45-54,second,primary,employed_informal,172.1,5,none,0,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,rural,male,44,35-44,second,secondary,self_employed,138.54,8,excellent,1,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,female,53,45-54,fourth,secondary,employed_informal,172.92,8,none,1,481,1,family_friends,8362.25,guarantor,education,1,8042.47,0.057,12,708.15,late_30_days,not_applicable,high_burden
Malawi,2022,rural,male,67,55+,fourth,secondary,employed_informal,303.48,10,none,1,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,33,25-34,highest,none,employed_formal,2514.49,8,limited,0,736,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,male,64,55+,middle,secondary,employed_informal,228.28,2,excellent,0,277,1,informal_lender,9801.38,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2024,urban,male,45,35-44,lowest,none,employed_informal,285.52,1,limited,0,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,male,69,55+,lowest,secondary,self_employed,77.66,2,limited,0,180,1,family_friends,1993.39,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Senegal,2025,urban,female,47,45-54,lowest,secondary,self_employed,21.24,6,limited,1,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,56,55+,middle,primary,farmer,63.1,8,excellent,0,738,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,female,47,45-54,lowest,tertiary,farmer,15.05,8,limited,0,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,male,39,35-44,highest,none,employed_formal,1197.6,10,none,0,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,55,45-54,middle,primary,farmer,540.42,8,good,0,830,1,employer,9467.84,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
South Africa,2021,urban,male,37,35-44,highest,none,farmer,1060.25,10,none,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,urban,female,64,55+,highest,secondary,self_employed,1573.45,4,none,0,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,urban,female,49,45-54,lowest,secondary,farmer,37.84,8,none,0,370,1,sacco,2701.58,property,agriculture,1,2279.78,0.278,24,121.37,paid_off,not_applicable,high_burden
Rwanda,2019,rural,male,39,35-44,second,primary,self_employed,236.14,8,none,0,405,1,informal_lender,7022.78,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2024,rural,female,30,25-34,lowest,primary,employed_informal,73.53,4,none,0,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,female,27,25-34,second,primary,employed_informal,54.71,2,none,0,540,1,microfinance,2026.26,guarantor,education,1,1831.29,0.31,12,199.88,paid_off,not_applicable,high_burden
Nigeria,2023,urban,female,40,35-44,second,none,employed_informal,587.01,6,none,0,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,male,22,18-24,fourth,primary,self_employed,59.55,1,excellent,0,762,1,commercial_bank,2919.03,savings,business,1,2836.5,0.202,12,284.23,current,not_applicable,high_burden
Tanzania,2024,rural,male,61,55+,fourth,primary,self_employed,54.84,5,none,0,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,51,45-54,middle,secondary,self_employed,168.57,7,excellent,0,681,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,male,61,55+,middle,secondary,employed_informal,394.27,10,none,1,706,1,digital_lender,3257.19,none,agriculture,1,2919.44,0.438,24,174.91,defaulted,not_applicable,high_burden
Ethiopia,2020,urban,female,30,25-34,fourth,secondary,self_employed,569.82,6,limited,0,797,1,informal_lender,9370.26,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2023,rural,female,61,55+,lowest,secondary,self_employed,142.78,4,none,0,626,1,family_friends,2337.84,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2023,rural,female,52,45-54,second,tertiary,employed_informal,224.63,5,excellent,1,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,urban,female,19,18-24,lowest,primary,self_employed,133.13,3,limited,1,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,female,33,25-34,lowest,tertiary,self_employed,250.14,8,limited,1,273,1,microfinance,1805.49,savings,business,1,1562.12,0.312,18,113.86,late_60_days,not_applicable,high_burden
Mali,2021,urban,male,42,35-44,fourth,tertiary,employed_formal,638.94,6,none,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,20,18-24,second,secondary,employed_informal,231.42,7,limited,1,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,female,33,25-34,second,tertiary,unemployed,190.75,1,limited,1,43,1,sacco,3624.63,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2025,urban,female,39,35-44,middle,secondary,employed_formal,78.78,8,good,0,81,1,microfinance,6644.16,none,emergency,1,5359.8,0.313,12,586.63,late_30_days,not_applicable,high_burden
South Africa,2025,rural,female,28,25-34,fourth,primary,unemployed,568.52,5,limited,1,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,46,45-54,middle,primary,farmer,70.19,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,urban,male,47,45-54,lowest,tertiary,employed_informal,118.17,1,none,0,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,female,46,45-54,second,primary,self_employed,126.07,2,limited,0,333,1,informal_lender,6323.91,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2021,rural,male,33,25-34,lowest,none,employed_informal,21.36,6,none,1,107,1,commercial_bank,1764.4,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2022,rural,male,62,55+,lowest,secondary,self_employed,53.34,8,none,0,295,1,microfinance,1840.52,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2024,rural,male,21,18-24,middle,tertiary,farmer,169.68,2,limited,1,101,1,microfinance,1038.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2022,rural,female,30,25-34,lowest,secondary,employed_informal,111.99,2,good,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,female,67,55+,highest,secondary,self_employed,803.01,9,limited,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,female,51,45-54,lowest,primary,farmer,92.15,6,limited,0,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,female,22,18-24,second,none,self_employed,75.83,5,none,0,391,1,informal_lender,6019.85,savings,agriculture,1,4847.41,0.771,24,357.75,late_30_days,not_applicable,high_burden
Uganda,2018,urban,male,47,45-54,lowest,primary,employed_formal,112.54,6,limited,0,838,1,informal_lender,4432.59,guarantor,education,1,3691.36,0.753,36,179.78,current,not_applicable,high_burden
Ghana,2024,urban,male,31,25-34,lowest,primary,farmer,76.61,5,limited,0,95,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,male,42,35-44,lowest,tertiary,employed_formal,49.57,7,limited,0,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,male,35,25-34,lowest,secondary,farmer,94.16,4,good,0,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,male,63,55+,fourth,primary,self_employed,797.7,8,limited,1,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,68,55+,second,primary,farmer,104.37,4,none,0,621,1,sacco,1803.91,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Niger,2023,rural,male,32,25-34,fourth,primary,self_employed,428.81,9,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,male,30,25-34,fourth,none,farmer,367.23,6,excellent,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,male,53,45-54,highest,tertiary,employed_informal,669.15,2,limited,1,703,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,32,25-34,highest,secondary,self_employed,179.1,4,none,0,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,female,46,45-54,fourth,secondary,self_employed,94.68,7,limited,0,355,1,sacco,984.57,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2019,rural,female,39,35-44,second,tertiary,employed_informal,99.39,2,none,1,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,female,21,18-24,lowest,none,farmer,64.18,5,limited,1,42,1,digital_lender,4493.34,property,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2021,rural,female,34,25-34,fourth,primary,unemployed,500.01,5,limited,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,urban,female,21,18-24,middle,tertiary,farmer,318.39,2,none,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,female,62,55+,lowest,primary,employed_informal,173.56,1,limited,1,81,1,sacco,5784.01,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2021,urban,male,62,55+,highest,none,farmer,989.64,3,limited,1,659,1,informal_lender,12193.15,equipment,debt_consolidation,1,10199.38,0.812,18,1026.81,paid_off,not_applicable,high_burden
Mozambique,2025,urban,female,24,18-24,fourth,secondary,farmer,742.88,7,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,female,65,55+,middle,secondary,unemployed,606.24,2,none,1,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,female,64,55+,lowest,tertiary,self_employed,172.75,5,good,0,202,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,male,57,55+,fourth,secondary,self_employed,742.88,4,none,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,female,40,35-44,highest,secondary,unemployed,511.45,3,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,female,24,18-24,highest,primary,employed_informal,1188.76,10,good,1,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,39,35-44,middle,primary,employed_formal,247.01,5,excellent,1,363,1,sacco,7432.75,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2022,urban,female,25,18-24,second,tertiary,farmer,163.02,5,none,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,21,18-24,highest,primary,farmer,536.29,4,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,male,29,25-34,second,primary,unemployed,118.05,1,limited,0,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,male,47,45-54,second,none,employed_formal,95.19,5,good,0,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,urban,female,48,45-54,second,none,unemployed,229.0,1,good,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,male,25,18-24,second,tertiary,unemployed,86.62,1,good,0,590,1,informal_lender,3360.4,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2025,urban,female,64,55+,highest,primary,self_employed,1431.09,8,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,female,25,18-24,fourth,primary,self_employed,139.34,8,none,0,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,24,18-24,lowest,secondary,employed_formal,187.47,10,good,1,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,female,27,25-34,middle,none,employed_informal,200.82,4,good,1,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,male,35,25-34,middle,none,employed_informal,346.04,10,none,0,563,1,family_friends,6517.99,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2024,rural,male,18,18-24,middle,none,farmer,144.62,7,limited,0,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,female,35,25-34,lowest,secondary,farmer,300.3,9,limited,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,urban,female,30,25-34,middle,primary,employed_informal,443.29,9,good,0,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,male,21,18-24,fourth,primary,self_employed,201.15,3,limited,1,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,rural,male,33,25-34,middle,primary,farmer,157.27,8,good,0,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,rural,female,30,25-34,lowest,secondary,unemployed,150.27,1,excellent,0,185,1,sacco,10895.11,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2019,urban,male,64,55+,highest,primary,self_employed,1531.3,2,none,1,671,1,commercial_bank,14251.85,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mozambique,2019,rural,female,33,25-34,middle,secondary,farmer,310.6,5,none,1,629,1,microfinance,4152.93,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2021,rural,female,47,45-54,second,none,self_employed,160.43,4,limited,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,male,59,55+,lowest,secondary,unemployed,68.91,3,limited,0,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2019,urban,male,47,45-54,middle,primary,unemployed,220.75,3,good,1,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,67,55+,middle,primary,farmer,179.84,1,good,1,765,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,50,45-54,highest,secondary,employed_informal,1307.47,5,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,female,43,35-44,second,primary,self_employed,510.7,6,good,0,850,1,microfinance,5797.73,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2023,rural,female,37,35-44,middle,none,employed_formal,240.66,10,good,1,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,female,21,18-24,middle,none,employed_informal,242.25,3,none,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,male,20,18-24,highest,none,employed_formal,601.9,6,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,male,26,25-34,lowest,none,farmer,41.17,8,none,0,116,1,family_friends,8827.6,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2024,urban,female,36,35-44,middle,primary,self_employed,162.4,4,excellent,1,818,1,microfinance,5391.53,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2024,urban,male,54,45-54,middle,none,self_employed,127.41,5,none,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,female,59,55+,lowest,secondary,self_employed,49.74,3,none,0,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,female,40,35-44,middle,primary,self_employed,194.59,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,urban,female,53,45-54,middle,tertiary,employed_informal,418.48,9,none,1,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,65,55+,lowest,primary,self_employed,78.54,9,limited,0,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,female,57,55+,second,primary,self_employed,48.66,3,limited,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,36,35-44,middle,primary,employed_informal,65.79,6,limited,0,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,male,44,35-44,second,secondary,self_employed,124.84,3,limited,1,236,1,microfinance,9317.49,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2024,rural,female,45,35-44,second,secondary,self_employed,90.23,9,none,1,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,male,34,25-34,highest,tertiary,self_employed,718.4,3,excellent,1,530,1,commercial_bank,2940.32,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2020,rural,female,35,25-34,highest,none,employed_formal,419.52,4,none,1,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,female,42,35-44,lowest,primary,farmer,101.61,9,limited,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,urban,male,27,25-34,middle,none,employed_informal,239.64,9,limited,0,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,male,55,45-54,lowest,primary,unemployed,23.24,2,limited,0,732,1,family_friends,1091.95,savings,business,1,965.85,0.043,12,83.92,current,not_applicable,high_burden
Uganda,2021,urban,male,62,55+,fourth,primary,self_employed,973.48,6,none,0,0,1,informal_lender,4306.94,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Uganda,2023,urban,male,41,35-44,second,secondary,employed_formal,153.24,10,none,0,692,1,microfinance,1643.12,savings,business,1,1559.4,0.301,18,112.75,current,not_applicable,high_burden
Ethiopia,2020,rural,male,58,55+,lowest,primary,self_employed,53.15,2,none,1,430,1,microfinance,3617.57,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2025,rural,female,31,25-34,fourth,secondary,self_employed,457.02,5,good,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,female,61,55+,middle,none,employed_formal,274.96,7,none,1,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,female,18,18-24,fourth,secondary,self_employed,252.55,2,limited,0,758,1,microfinance,4379.95,savings,housing,1,4307.93,0.278,6,917.63,current,not_applicable,high_burden
Zambia,2018,urban,male,66,55+,highest,primary,self_employed,875.05,10,limited,0,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,male,43,35-44,middle,secondary,farmer,1008.6,5,none,0,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,female,32,25-34,lowest,none,unemployed,75.91,1,good,1,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,rural,female,69,55+,highest,secondary,employed_formal,503.69,9,limited,0,416,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,male,50,45-54,highest,secondary,self_employed,1251.48,3,none,1,733,1,commercial_bank,3803.78,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2019,rural,female,25,18-24,highest,secondary,self_employed,1241.27,4,none,1,709,1,family_friends,7346.34,savings,agriculture,1,6031.41,0.087,6,1092.58,paid_off,not_applicable,high_burden
Zambia,2021,urban,male,60,55+,lowest,secondary,employed_formal,26.44,5,limited,0,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,male,65,55+,middle,primary,self_employed,227.01,10,none,1,586,1,family_friends,2763.7,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ethiopia,2018,rural,male,40,35-44,middle,primary,farmer,319.88,4,none,0,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,male,53,45-54,lowest,secondary,employed_informal,62.54,5,none,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,male,41,35-44,fourth,none,unemployed,213.8,5,none,1,182,1,microfinance,5755.15,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ghana,2022,urban,male,35,25-34,middle,secondary,employed_formal,349.82,9,good,0,364,1,family_friends,6712.35,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2019,rural,male,21,18-24,second,tertiary,self_employed,264.62,2,limited,1,377,1,sacco,9192.5,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2018,rural,female,60,55+,fourth,secondary,self_employed,547.88,5,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,67,55+,lowest,secondary,unemployed,86.19,1,none,1,558,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,urban,female,69,55+,highest,tertiary,farmer,976.17,9,limited,1,671,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,female,25,18-24,lowest,primary,self_employed,114.9,6,limited,1,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,male,33,25-34,lowest,none,unemployed,60.52,1,excellent,0,757,1,sacco,4699.68,none,education,1,4567.62,0.356,12,516.11,paid_off,not_applicable,high_burden
Rwanda,2022,rural,male,59,55+,second,none,farmer,103.99,3,good,0,240,1,commercial_bank,3115.05,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2018,rural,female,64,55+,middle,primary,farmer,77.87,8,none,0,137,1,informal_lender,3374.31,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2024,urban,female,44,35-44,lowest,tertiary,employed_informal,329.29,8,none,1,470,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,urban,female,46,45-54,second,none,employed_formal,138.52,5,limited,1,384,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,urban,female,57,55+,highest,none,self_employed,1148.96,10,none,1,151,1,sacco,6698.84,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2024,rural,female,23,18-24,second,secondary,employed_informal,112.54,2,limited,0,182,1,informal_lender,6974.23,equipment,housing,1,5673.08,0.815,12,858.26,current,not_applicable,high_burden
Kenya,2025,rural,male,31,25-34,second,none,farmer,48.59,3,limited,1,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,urban,female,55,45-54,lowest,tertiary,self_employed,81.48,6,limited,0,107,1,informal_lender,1536.66,none,housing,1,1232.97,0.83,36,62.68,late_30_days,not_applicable,high_burden
Mali,2022,urban,female,35,25-34,fourth,primary,self_employed,847.96,7,limited,1,218,1,microfinance,10391.52,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2018,urban,female,19,18-24,lowest,primary,farmer,181.42,9,none,0,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,male,60,55+,lowest,secondary,farmer,200.14,3,none,1,16,1,digital_lender,5686.34,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2019,rural,male,28,25-34,middle,primary,employed_informal,67.53,7,none,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,female,44,35-44,lowest,primary,self_employed,61.99,3,none,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,male,64,55+,middle,none,self_employed,88.75,3,good,0,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,female,55,45-54,second,secondary,self_employed,147.23,10,limited,1,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,male,55,45-54,highest,secondary,employed_informal,313.38,1,none,1,569,1,family_friends,1858.15,none,agriculture,1,1562.16,0.084,6,282.33,current,not_applicable,high_burden
Senegal,2018,rural,male,47,45-54,lowest,primary,employed_informal,427.84,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,female,37,35-44,lowest,primary,unemployed,82.48,2,none,0,263,1,sacco,1577.24,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2019,rural,female,25,18-24,middle,secondary,self_employed,162.76,1,limited,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,female,47,45-54,fourth,primary,self_employed,1194.06,1,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,57,55+,second,primary,self_employed,76.42,10,none,1,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,urban,female,68,55+,highest,primary,unemployed,1207.57,1,none,1,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,male,42,35-44,lowest,secondary,self_employed,73.05,2,excellent,0,850,1,microfinance,3957.53,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2020,urban,female,64,55+,fourth,none,employed_informal,294.15,8,good,0,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,female,51,45-54,lowest,none,unemployed,63.08,1,none,0,0,1,family_friends,2069.08,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2021,rural,female,58,55+,second,secondary,employed_formal,56.53,4,limited,1,63,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,male,67,55+,highest,none,employed_informal,450.19,4,limited,0,326,1,microfinance,4340.18,property,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2024,rural,female,23,18-24,lowest,primary,self_employed,210.99,9,excellent,0,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,female,19,18-24,second,secondary,farmer,68.23,2,good,1,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,male,36,35-44,highest,primary,employed_formal,5805.2,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,male,60,55+,highest,primary,farmer,697.51,9,limited,1,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,female,19,18-24,lowest,secondary,self_employed,59.22,1,none,0,18,1,family_friends,4237.78,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2023,rural,male,35,25-34,fourth,primary,employed_informal,277.33,7,none,1,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,urban,male,54,45-54,fourth,secondary,self_employed,91.08,1,limited,0,322,1,informal_lender,3881.88,equipment,debt_consolidation,1,3717.24,0.769,24,274.02,paid_off,not_applicable,high_burden
Ghana,2020,rural,male,60,55+,highest,none,employed_formal,774.97,10,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,female,69,55+,highest,secondary,self_employed,974.52,1,none,0,835,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,49,45-54,lowest,primary,farmer,45.32,1,none,1,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,urban,male,27,25-34,highest,tertiary,employed_informal,979.26,3,limited,1,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,female,44,35-44,highest,tertiary,unemployed,627.07,1,none,1,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,urban,female,57,55+,middle,primary,employed_informal,227.01,3,none,1,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,male,54,45-54,second,none,self_employed,207.31,3,limited,1,239,1,microfinance,8362.9,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Niger,2018,urban,male,21,18-24,highest,primary,unemployed,1010.23,6,none,0,736,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,51,45-54,middle,primary,farmer,372.53,9,none,1,150,1,microfinance,8380.22,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Niger,2021,rural,male,45,35-44,middle,primary,self_employed,158.46,8,good,0,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,male,26,25-34,highest,tertiary,self_employed,1135.2,2,none,0,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,female,46,45-54,lowest,secondary,employed_informal,119.26,2,limited,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,male,18,18-24,lowest,none,self_employed,119.72,2,none,1,103,1,digital_lender,3027.81,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2021,urban,male,56,55+,lowest,none,self_employed,200.68,5,good,1,645,1,commercial_bank,4930.57,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2024,rural,female,42,35-44,fourth,secondary,employed_formal,621.9,10,none,1,654,1,commercial_bank,20937.78,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2024,rural,male,49,45-54,second,secondary,employed_informal,52.69,1,limited,0,777,1,family_friends,1664.5,savings,business,1,1628.04,0.089,18,98.46,current,not_applicable,high_burden
Rwanda,2023,urban,female,30,25-34,lowest,tertiary,farmer,88.81,2,none,0,582,1,sacco,899.49,savings,agriculture,1,890.96,0.296,18,64.15,paid_off,not_applicable,high_burden
Senegal,2023,urban,male,38,35-44,lowest,primary,self_employed,123.6,2,none,1,410,1,commercial_bank,3241.1,savings,business,1,2728.61,0.217,12,276.63,defaulted,not_applicable,high_burden
Uganda,2019,rural,female,68,55+,highest,primary,self_employed,817.24,3,good,0,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,urban,male,59,55+,fourth,secondary,employed_informal,382.05,7,none,1,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,male,61,55+,lowest,secondary,employed_informal,71.0,2,good,0,815,1,family_friends,1864.82,none,emergency,1,1841.92,0.041,12,159.71,paid_off,not_applicable,high_burden
South Africa,2018,urban,female,47,45-54,middle,secondary,employed_informal,588.44,6,limited,0,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,male,65,55+,middle,primary,unemployed,365.54,1,none,1,163,1,family_friends,8229.58,guarantor,education,1,7413.17,0.067,24,329.66,current,not_applicable,high_burden
Kenya,2020,rural,female,51,45-54,lowest,none,self_employed,131.68,7,limited,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,male,66,55+,middle,primary,self_employed,300.51,6,good,0,353,1,digital_lender,6631.62,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2022,rural,male,26,25-34,lowest,primary,unemployed,36.55,4,limited,0,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,female,51,45-54,second,none,self_employed,177.08,5,none,1,182,1,family_friends,4647.11,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2024,rural,male,33,25-34,middle,primary,farmer,735.33,7,none,1,0,1,commercial_bank,2803.69,none,agriculture,1,2351.36,0.181,24,115.69,current,not_applicable,high_burden
Malawi,2021,rural,male,18,18-24,middle,primary,employed_formal,201.13,7,limited,1,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,urban,female,39,35-44,middle,primary,employed_informal,374.42,7,none,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,male,30,25-34,fourth,secondary,employed_informal,228.89,8,none,1,0,1,commercial_bank,3743.29,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Nigeria,2025,urban,male,51,45-54,lowest,primary,farmer,361.97,4,none,1,658,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,rural,male,30,25-34,second,secondary,employed_informal,226.84,6,none,1,240,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,57,55+,fourth,secondary,unemployed,206.31,5,good,0,247,1,informal_lender,1873.12,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mali,2021,rural,male,23,18-24,middle,tertiary,farmer,228.78,9,limited,1,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,female,23,18-24,fourth,secondary,employed_informal,390.24,2,good,0,850,1,family_friends,5195.93,none,business,1,4268.28,0.089,12,387.23,current,not_applicable,high_burden
Zambia,2019,rural,male,43,35-44,second,secondary,employed_informal,63.29,2,none,0,76,1,informal_lender,6786.3,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2018,rural,female,57,55+,lowest,none,farmer,36.75,5,none,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,male,32,25-34,second,secondary,self_employed,372.0,8,none,1,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,urban,female,65,55+,highest,secondary,employed_informal,1267.34,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,male,60,55+,second,primary,employed_formal,148.53,10,limited,0,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,male,52,45-54,lowest,primary,employed_formal,126.57,8,none,0,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,51,45-54,second,secondary,self_employed,267.95,10,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,45,35-44,middle,tertiary,self_employed,255.5,4,none,0,746,1,microfinance,1315.76,property,agriculture,1,1148.06,0.356,12,129.71,current,not_applicable,high_burden
Rwanda,2018,rural,female,26,25-34,second,primary,self_employed,78.94,7,good,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,52,45-54,highest,primary,self_employed,1696.34,3,good,0,402,1,informal_lender,6260.67,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Nigeria,2021,rural,male,34,25-34,middle,secondary,employed_informal,587.5,7,limited,0,574,1,sacco,12197.76,none,asset_purchase,1,11932.56,0.277,12,1269.81,current,not_applicable,high_burden
Uganda,2019,urban,male,48,45-54,middle,secondary,employed_informal,263.7,5,none,0,0,1,family_friends,8908.82,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2022,rural,female,49,45-54,lowest,tertiary,self_employed,21.31,8,limited,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,male,47,45-54,lowest,none,employed_informal,63.59,1,none,1,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,male,33,25-34,lowest,primary,farmer,36.07,9,none,1,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,female,21,18-24,middle,tertiary,farmer,118.86,10,none,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,male,35,25-34,lowest,primary,employed_formal,57.69,10,none,0,322,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,male,30,25-34,second,none,self_employed,96.89,2,none,0,178,1,informal_lender,3342.7,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2018,rural,female,42,35-44,lowest,tertiary,employed_formal,109.34,6,none,0,510,1,informal_lender,2844.97,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2018,rural,male,24,18-24,second,tertiary,employed_informal,58.14,4,good,1,507,1,family_friends,2868.25,guarantor,education,1,2344.35,0.01,36,65.79,current,not_applicable,high_burden
Zambia,2023,urban,male,54,45-54,lowest,secondary,self_employed,134.03,2,limited,1,425,1,digital_lender,3547.36,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2020,rural,female,29,25-34,fourth,none,farmer,949.21,6,limited,1,45,1,family_friends,14155.22,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2024,rural,female,28,25-34,highest,primary,self_employed,900.26,8,none,1,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,male,21,18-24,middle,none,unemployed,134.66,1,none,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,male,54,45-54,middle,secondary,employed_informal,72.95,7,good,0,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,male,54,45-54,middle,secondary,unemployed,87.69,1,excellent,0,485,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,male,58,55+,lowest,none,self_employed,65.94,8,limited,0,105,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,male,53,45-54,second,primary,employed_informal,607.3,4,none,0,409,1,microfinance,12555.46,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2019,rural,female,38,35-44,fourth,secondary,employed_formal,450.83,6,none,0,0,1,microfinance,5062.72,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2021,rural,male,21,18-24,lowest,primary,employed_informal,50.57,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,rural,male,65,55+,second,tertiary,farmer,284.69,1,none,1,670,1,commercial_bank,3950.1,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2023,urban,female,44,35-44,middle,secondary,unemployed,1635.44,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,rural,male,20,18-24,fourth,secondary,employed_formal,147.52,7,limited,0,778,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,female,53,45-54,second,primary,employed_informal,225.49,7,none,0,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,male,21,18-24,second,tertiary,farmer,149.91,10,none,0,271,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,female,42,35-44,lowest,secondary,unemployed,57.33,1,good,0,850,1,sacco,981.71,none,consumption,1,876.48,0.294,12,94.51,current,not_applicable,high_burden
Malawi,2018,rural,male,38,35-44,lowest,none,employed_informal,156.85,10,good,0,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,female,49,45-54,second,primary,employed_informal,44.73,2,good,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,male,64,55+,fourth,primary,employed_informal,710.71,7,none,1,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,30,25-34,second,secondary,employed_formal,103.1,10,limited,0,440,1,informal_lender,8902.25,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2020,urban,female,36,35-44,highest,secondary,farmer,872.03,9,none,0,533,1,family_friends,4603.56,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2021,rural,female,39,35-44,lowest,primary,employed_informal,49.78,2,limited,0,751,1,informal_lender,2407.55,guarantor,asset_purchase,1,2298.34,0.843,12,352.92,paid_off,not_applicable,high_burden
Kenya,2018,rural,female,60,55+,highest,secondary,employed_informal,1098.51,5,none,1,650,1,digital_lender,19792.68,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2023,rural,male,48,45-54,middle,secondary,farmer,93.9,8,limited,1,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,61,55+,middle,secondary,self_employed,187.64,7,none,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,63,55+,fourth,primary,farmer,538.5,3,none,0,187,1,family_friends,8853.89,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2022,rural,female,64,55+,lowest,primary,employed_informal,291.34,3,limited,1,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,female,34,25-34,lowest,secondary,employed_informal,30.03,5,none,0,29,1,microfinance,1096.67,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2019,rural,male,48,45-54,fourth,secondary,self_employed,873.27,7,none,1,733,1,microfinance,21891.19,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ethiopia,2023,urban,male,66,55+,middle,primary,self_employed,170.7,7,none,0,0,1,family_friends,3176.62,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2021,rural,female,37,35-44,second,secondary,employed_informal,59.02,7,none,0,666,1,digital_lender,3953.8,guarantor,education,1,3480.65,0.404,12,407.17,paid_off,not_applicable,high_burden
Ghana,2021,urban,female,49,45-54,lowest,primary,self_employed,166.6,7,none,0,549,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,female,32,25-34,lowest,none,self_employed,63.75,2,good,1,747,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,male,59,55+,highest,none,farmer,783.63,6,limited,1,548,1,digital_lender,2664.86,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ghana,2023,urban,male,38,35-44,second,secondary,self_employed,61.37,10,excellent,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,rural,male,50,45-54,middle,secondary,unemployed,120.9,1,good,0,620,1,commercial_bank,1218.78,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2025,urban,male,47,45-54,lowest,primary,employed_informal,90.59,3,good,1,168,1,digital_lender,1283.36,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2019,urban,male,56,55+,second,secondary,farmer,172.41,10,none,0,317,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,male,55,45-54,highest,primary,self_employed,1408.78,8,limited,1,120,1,microfinance,9170.22,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2018,urban,male,39,35-44,second,tertiary,self_employed,109.93,6,good,0,467,1,family_friends,5943.99,guarantor,housing,1,4798.02,0.054,18,280.82,late_60_days,not_applicable,high_burden
Niger,2021,rural,male,32,25-34,lowest,tertiary,self_employed,76.73,10,limited,0,190,1,informal_lender,1164.49,none,business,1,1061.18,0.826,18,107.65,current,not_applicable,high_burden
Senegal,2024,urban,female,42,35-44,lowest,secondary,unemployed,76.92,5,limited,0,654,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,female,68,55+,fourth,none,self_employed,320.95,5,limited,0,63,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,female,47,45-54,lowest,tertiary,unemployed,71.17,3,limited,0,47,1,microfinance,7510.08,guarantor,business,1,7243.29,0.351,6,1631.01,late_30_days,not_applicable,high_burden
Nigeria,2023,rural,female,63,55+,highest,tertiary,unemployed,665.57,1,limited,1,786,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,female,37,35-44,fourth,primary,employed_formal,250.42,7,good,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,urban,male,20,18-24,lowest,primary,self_employed,191.19,3,none,1,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,female,51,45-54,middle,primary,unemployed,231.0,5,good,1,767,1,microfinance,10670.72,guarantor,business,1,8876.68,0.332,24,492.79,late_30_days,not_applicable,high_burden
South Africa,2020,rural,female,61,55+,fourth,tertiary,self_employed,131.57,5,limited,0,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,58,55+,lowest,primary,unemployed,51.79,5,limited,1,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,female,47,45-54,fourth,tertiary,unemployed,406.76,1,limited,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,male,66,55+,second,secondary,farmer,146.94,10,none,1,456,1,family_friends,3310.75,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2024,rural,female,57,55+,lowest,secondary,employed_informal,35.89,1,none,1,731,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,female,29,25-34,second,primary,self_employed,810.29,2,none,1,386,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,female,28,25-34,middle,primary,self_employed,1502.51,4,good,0,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,male,19,18-24,second,secondary,self_employed,167.05,4,good,1,746,1,digital_lender,1323.26,none,consumption,1,1223.38,0.403,12,143.02,paid_off,not_applicable,high_burden
Mali,2023,rural,male,36,35-44,lowest,none,self_employed,100.88,10,good,1,782,1,family_friends,8191.68,guarantor,business,1,8183.95,0.076,24,366.88,defaulted,not_applicable,high_burden
Kenya,2025,urban,female,52,45-54,middle,primary,farmer,538.53,9,none,1,0,1,commercial_bank,5508.02,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2019,rural,female,61,55+,second,secondary,farmer,310.64,8,none,1,724,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,male,34,25-34,second,primary,farmer,323.55,7,good,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,urban,female,23,18-24,middle,secondary,farmer,388.48,2,none,0,212,1,digital_lender,11087.07,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2021,rural,male,29,25-34,second,none,self_employed,457.93,2,none,0,138,1,informal_lender,3836.53,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2019,rural,male,33,25-34,middle,secondary,employed_informal,243.98,5,limited,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,male,33,25-34,lowest,secondary,farmer,56.52,6,none,1,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,male,34,25-34,second,primary,unemployed,182.58,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,female,23,18-24,highest,secondary,farmer,2253.14,4,none,0,500,1,microfinance,10888.04,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2020,urban,female,43,35-44,middle,secondary,employed_formal,468.77,10,none,0,157,1,family_friends,3854.11,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2025,rural,female,34,25-34,second,primary,self_employed,88.24,10,excellent,0,850,1,digital_lender,5380.55,savings,business,1,5186.13,0.477,6,1276.84,current,not_applicable,high_burden
Uganda,2018,rural,female,43,35-44,middle,secondary,employed_informal,103.05,5,excellent,1,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,female,24,18-24,highest,primary,farmer,2659.94,9,limited,1,671,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,female,46,45-54,lowest,primary,self_employed,41.8,7,limited,0,834,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,56,55+,lowest,none,self_employed,40.68,6,none,0,587,1,sacco,4547.67,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2024,urban,male,49,45-54,middle,secondary,self_employed,684.88,2,none,1,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,male,42,35-44,fourth,primary,self_employed,471.15,8,limited,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,male,55,45-54,middle,none,farmer,247.91,2,limited,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,female,39,35-44,second,primary,unemployed,136.54,1,limited,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,rural,female,42,35-44,lowest,none,self_employed,16.62,8,limited,0,63,1,family_friends,1562.33,guarantor,housing,1,1519.85,0.031,24,65.27,current,not_applicable,high_burden
Zambia,2019,rural,female,52,45-54,second,secondary,employed_formal,146.26,10,limited,1,667,1,commercial_bank,2937.48,savings,asset_purchase,1,2477.87,0.196,18,164.61,current,not_applicable,high_burden
Mali,2022,rural,male,27,25-34,middle,none,farmer,212.52,10,limited,0,416,1,sacco,5404.36,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2025,rural,male,32,25-34,middle,primary,self_employed,238.47,8,good,0,228,1,family_friends,9184.13,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2020,rural,male,26,25-34,middle,primary,employed_informal,167.91,3,limited,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,rural,female,43,35-44,lowest,primary,self_employed,68.93,6,none,1,479,1,commercial_bank,3396.21,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2023,rural,female,66,55+,second,primary,employed_informal,186.5,9,limited,0,127,1,digital_lender,10812.65,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2018,urban,male,21,18-24,second,secondary,self_employed,296.67,7,good,0,325,1,sacco,11058.62,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2019,urban,female,62,55+,second,secondary,employed_formal,92.44,10,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,male,69,55+,lowest,none,farmer,105.44,1,none,1,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,female,41,35-44,middle,secondary,employed_formal,381.02,10,none,0,585,1,sacco,8012.06,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Nigeria,2021,urban,female,29,25-34,highest,tertiary,employed_informal,2391.88,10,none,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,urban,female,68,55+,middle,none,farmer,267.49,3,good,0,232,1,informal_lender,9074.04,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2025,rural,female,49,45-54,fourth,primary,farmer,199.96,9,limited,1,672,1,commercial_bank,4544.6,none,business,1,4467.81,0.19,6,886.13,current,not_applicable,high_burden
DRC,2018,urban,male,20,18-24,lowest,primary,self_employed,357.25,2,excellent,0,850,1,family_friends,4931.22,none,housing,1,4393.42,0.084,18,264.55,current,not_applicable,high_burden
Senegal,2023,rural,male,51,45-54,middle,tertiary,employed_informal,242.26,10,good,0,824,1,family_friends,4577.73,guarantor,housing,1,3820.36,0.047,12,333.4,current,not_applicable,high_burden
Uganda,2021,urban,female,61,55+,fourth,tertiary,employed_informal,245.24,1,good,0,440,1,family_friends,10664.52,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2020,rural,female,30,25-34,middle,none,employed_informal,121.42,9,limited,1,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,rural,male,63,55+,fourth,none,self_employed,78.48,3,excellent,0,583,1,family_friends,2756.64,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Rwanda,2020,rural,female,69,55+,fourth,tertiary,farmer,250.84,3,good,1,317,1,digital_lender,14424.72,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2019,rural,male,26,25-34,fourth,none,self_employed,384.64,1,none,1,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,male,55,45-54,lowest,none,farmer,57.88,4,limited,1,441,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,male,21,18-24,middle,secondary,self_employed,208.54,6,limited,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,urban,female,63,55+,middle,primary,farmer,829.64,4,good,0,104,1,microfinance,5046.94,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2024,rural,female,56,55+,lowest,none,farmer,13.58,5,none,0,428,1,family_friends,920.61,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2019,rural,male,68,55+,fourth,primary,unemployed,407.77,1,good,1,291,1,commercial_bank,2912.39,savings,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2019,urban,male,34,25-34,second,secondary,unemployed,196.87,1,limited,0,755,1,commercial_bank,13780.18,none,debt_consolidation,1,12257.92,0.157,18,787.68,current,not_applicable,high_burden
Nigeria,2021,rural,male,55,45-54,fourth,secondary,employed_informal,293.01,7,limited,1,385,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,female,50,45-54,middle,none,self_employed,470.97,6,good,1,637,1,commercial_bank,7105.97,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2023,rural,male,19,18-24,lowest,tertiary,farmer,244.17,10,none,1,0,1,microfinance,4414.31,none,education,1,4226.55,0.351,24,237.98,current,not_applicable,high_burden
Mozambique,2023,rural,female,59,55+,highest,primary,self_employed,456.63,9,limited,1,334,1,family_friends,10099.55,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Rwanda,2022,rural,male,49,45-54,middle,primary,employed_informal,779.82,3,good,1,237,1,commercial_bank,6594.22,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2022,rural,female,61,55+,lowest,tertiary,farmer,38.03,6,none,1,296,1,sacco,1016.98,guarantor,agriculture,1,941.61,0.319,12,103.47,current,not_applicable,high_burden
Senegal,2022,rural,female,63,55+,lowest,primary,self_employed,16.54,8,none,1,671,1,commercial_bank,484.55,none,consumption,1,445.16,0.214,36,15.01,current,not_applicable,high_burden
Uganda,2023,urban,female,49,45-54,lowest,secondary,self_employed,22.34,9,none,0,467,1,informal_lender,2365.63,equipment,agriculture,1,1989.62,0.767,12,292.96,paid_off,not_applicable,high_burden
Niger,2019,rural,female,24,18-24,middle,secondary,employed_informal,125.19,8,good,1,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,male,48,45-54,highest,secondary,farmer,594.25,6,limited,0,226,1,family_friends,6642.69,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2018,rural,male,56,55+,middle,tertiary,farmer,74.42,4,none,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,female,28,25-34,second,none,employed_formal,328.03,10,excellent,1,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,66,55+,highest,primary,self_employed,466.2,10,good,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,urban,female,23,18-24,fourth,none,employed_informal,260.38,10,good,1,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,female,67,55+,second,secondary,employed_informal,45.31,9,none,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,urban,female,57,55+,lowest,secondary,self_employed,116.51,6,limited,0,568,1,informal_lender,2336.02,guarantor,business,1,2291.53,0.75,12,334.25,current,not_applicable,high_burden
Kenya,2022,rural,female,33,25-34,fourth,secondary,employed_informal,82.41,6,none,1,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,male,24,18-24,highest,primary,farmer,725.0,8,good,0,797,1,microfinance,4167.98,savings,business,1,4068.18,0.36,36,153.73,late_60_days,not_applicable,high_burden
Zambia,2022,rural,male,31,25-34,fourth,secondary,self_employed,264.72,5,limited,0,839,1,informal_lender,1999.58,none,emergency,1,1971.23,0.816,24,149.17,paid_off,not_applicable,high_burden
Senegal,2020,rural,male,49,45-54,second,tertiary,employed_informal,364.73,6,limited,0,457,1,informal_lender,3092.95,guarantor,agriculture,1,2544.03,0.815,12,384.85,paid_off,not_applicable,high_burden
Niger,2023,urban,female,40,35-44,fourth,secondary,farmer,833.6,10,none,1,706,1,sacco,3050.05,none,emergency,1,2965.2,0.273,12,314.67,late_60_days,not_applicable,high_burden
Niger,2019,rural,female,24,18-24,fourth,tertiary,farmer,569.97,9,limited,1,571,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,female,67,55+,lowest,tertiary,self_employed,183.69,6,none,1,168,1,microfinance,866.93,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2025,rural,female,44,35-44,middle,none,self_employed,47.14,9,none,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,female,18,18-24,lowest,tertiary,self_employed,156.72,10,good,1,232,1,family_friends,5923.75,guarantor,business,1,5248.13,0.002,24,219.12,current,not_applicable,high_burden
Zambia,2022,rural,female,59,55+,lowest,secondary,farmer,45.3,8,none,0,583,1,informal_lender,2206.9,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2020,urban,female,66,55+,second,secondary,farmer,181.31,6,none,0,105,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,urban,female,46,45-54,second,secondary,unemployed,38.87,1,none,0,497,1,family_friends,2168.94,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2023,urban,female,34,25-34,lowest,primary,employed_informal,70.94,5,none,1,412,1,commercial_bank,8529.92,guarantor,housing,1,6895.22,0.199,12,689.22,current,not_applicable,high_burden
Niger,2020,urban,female,65,55+,lowest,secondary,farmer,92.23,4,none,0,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,male,22,18-24,fourth,primary,self_employed,542.78,5,none,1,127,1,informal_lender,17281.72,none,consumption,1,15547.15,0.805,12,2339.0,current,not_applicable,high_burden
Kenya,2025,rural,male,60,55+,second,primary,unemployed,92.9,6,good,0,255,1,informal_lender,817.08,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2021,rural,female,58,55+,second,primary,unemployed,157.03,6,good,1,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,male,62,55+,fourth,none,employed_informal,148.86,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,male,46,45-54,lowest,none,farmer,50.85,8,good,0,562,1,informal_lender,5193.39,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2020,rural,female,35,25-34,second,secondary,farmer,45.02,3,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,male,23,18-24,middle,secondary,employed_formal,117.38,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,female,44,35-44,lowest,primary,self_employed,33.61,7,limited,0,481,1,commercial_bank,1934.62,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2021,rural,male,42,35-44,second,none,employed_informal,26.39,2,none,0,357,1,family_friends,1645.4,savings,asset_purchase,1,1490.81,0.083,24,67.3,late_30_days,not_applicable,high_burden
Senegal,2023,urban,female,43,35-44,lowest,secondary,self_employed,58.07,3,none,1,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,female,67,55+,middle,none,employed_informal,513.59,2,none,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,male,20,18-24,highest,primary,employed_informal,196.53,1,none,1,276,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,63,55+,middle,secondary,unemployed,106.24,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,female,47,45-54,fourth,secondary,self_employed,1698.44,5,limited,0,652,1,family_friends,7473.85,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2019,urban,male,69,55+,highest,tertiary,farmer,329.93,5,limited,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,female,54,45-54,highest,secondary,employed_informal,794.48,5,none,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,female,59,55+,second,none,unemployed,66.35,6,limited,0,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,female,41,35-44,middle,secondary,self_employed,154.48,2,none,1,143,1,commercial_bank,2636.17,property,consumption,1,2132.48,0.157,12,205.65,current,not_applicable,high_burden
Uganda,2019,rural,female,26,25-34,middle,primary,employed_informal,456.02,1,none,1,637,1,digital_lender,4742.75,guarantor,consumption,1,4331.83,0.483,24,267.72,current,not_applicable,high_burden
Tanzania,2024,rural,male,57,55+,fourth,none,farmer,618.27,1,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,male,24,18-24,highest,primary,self_employed,300.84,2,none,1,377,1,family_friends,4689.02,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2023,rural,male,47,45-54,middle,secondary,employed_informal,283.93,10,limited,0,406,1,sacco,4471.03,equipment,education,1,3802.18,0.289,12,408.41,late_60_days,not_applicable,high_burden
Mali,2020,urban,female,37,35-44,middle,tertiary,employed_informal,243.78,1,limited,0,200,1,family_friends,6063.67,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2019,urban,male,52,45-54,middle,none,employed_informal,56.33,5,limited,1,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,female,23,18-24,second,secondary,self_employed,284.01,6,none,0,47,1,informal_lender,5140.36,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2020,rural,female,59,55+,middle,none,farmer,47.89,9,limited,0,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,urban,male,52,45-54,lowest,primary,farmer,62.77,4,limited,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,female,53,45-54,middle,primary,employed_formal,255.94,10,none,0,432,1,digital_lender,4857.24,none,agriculture,1,4043.6,0.476,18,331.55,defaulted,not_applicable,high_burden
Mali,2018,urban,male,65,55+,lowest,none,farmer,222.07,4,none,0,380,1,informal_lender,2538.08,guarantor,consumption,1,2453.1,0.75,36,119.28,current,not_applicable,high_burden
South Africa,2025,rural,male,31,25-34,fourth,primary,employed_informal,262.2,10,limited,1,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,female,52,45-54,middle,primary,employed_informal,187.73,1,good,0,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,female,69,55+,middle,secondary,employed_informal,119.68,2,none,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,urban,female,25,18-24,second,primary,self_employed,55.61,3,limited,0,47,1,employer,1779.77,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2022,rural,male,26,25-34,middle,primary,farmer,228.71,1,none,1,530,1,microfinance,4879.62,savings,education,1,4793.76,0.288,24,257.34,late_60_days,not_applicable,high_burden
Nigeria,2020,rural,male,40,35-44,middle,primary,self_employed,261.09,7,limited,0,75,1,sacco,3836.0,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2024,rural,female,41,35-44,fourth,secondary,self_employed,321.45,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,urban,female,39,35-44,second,none,employed_informal,228.25,8,good,1,452,1,commercial_bank,2817.2,guarantor,education,1,2266.47,0.137,24,107.33,current,not_applicable,high_burden
Niger,2025,urban,male,51,45-54,second,primary,employed_formal,281.94,4,none,0,304,1,family_friends,2633.02,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2021,urban,female,44,35-44,fourth,secondary,employed_informal,833.84,2,limited,1,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,urban,female,29,25-34,lowest,secondary,self_employed,43.51,2,none,0,711,1,family_friends,4332.88,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2024,rural,male,68,55+,second,primary,farmer,431.32,1,none,1,0,1,commercial_bank,9091.52,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2018,urban,male,50,45-54,highest,none,employed_formal,1059.0,9,good,0,850,1,family_friends,5768.33,none,housing,1,4829.68,0.028,24,206.92,current,not_applicable,high_burden
Zambia,2019,urban,male,53,45-54,second,primary,employed_formal,42.68,10,limited,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,female,35,25-34,second,tertiary,self_employed,263.41,9,none,0,406,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,female,46,45-54,lowest,secondary,unemployed,39.78,1,excellent,0,242,1,informal_lender,1364.4,guarantor,business,1,1222.7,0.772,24,90.27,paid_off,not_applicable,high_burden
Zambia,2020,urban,female,63,55+,second,primary,self_employed,164.53,6,limited,1,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,male,64,55+,middle,secondary,unemployed,96.55,6,none,1,0,1,sacco,1849.13,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2019,rural,male,49,45-54,second,primary,employed_informal,23.4,2,none,1,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,59,55+,middle,secondary,employed_informal,111.25,7,none,0,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,urban,female,62,55+,middle,none,farmer,204.8,1,limited,0,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,female,62,55+,fourth,secondary,self_employed,669.54,1,none,1,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,66,55+,middle,secondary,farmer,148.79,8,limited,0,657,1,informal_lender,8295.16,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2022,rural,male,61,55+,highest,secondary,farmer,452.59,4,limited,0,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,male,35,25-34,fourth,none,self_employed,658.83,6,none,1,137,1,digital_lender,3626.18,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2021,urban,male,62,55+,highest,secondary,employed_informal,355.64,8,limited,1,478,1,commercial_bank,9586.77,savings,asset_purchase,1,7893.05,0.132,12,744.48,current,not_applicable,high_burden
Ethiopia,2025,urban,male,64,55+,lowest,primary,farmer,193.09,2,none,1,301,1,microfinance,2811.55,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2019,rural,female,27,25-34,second,tertiary,self_employed,213.69,5,none,0,245,1,digital_lender,5029.37,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2021,urban,female,42,35-44,lowest,tertiary,employed_formal,113.57,10,good,1,621,1,commercial_bank,3299.99,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2022,urban,male,41,35-44,lowest,secondary,unemployed,72.33,1,good,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,female,51,45-54,middle,none,employed_informal,270.91,9,good,0,776,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,female,56,55+,middle,none,farmer,349.82,3,good,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,rural,female,64,55+,second,primary,employed_informal,29.21,10,excellent,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,40,35-44,second,primary,farmer,132.4,1,none,1,649,1,commercial_bank,1801.46,savings,business,1,1640.26,0.203,6,328.91,current,not_applicable,high_burden
Mozambique,2025,rural,female,53,45-54,second,tertiary,employed_formal,71.55,9,none,0,471,1,informal_lender,8173.64,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2021,rural,male,29,25-34,lowest,secondary,self_employed,94.89,8,limited,0,619,1,microfinance,7318.83,none,housing,1,6193.02,0.316,12,679.18,defaulted,not_applicable,high_burden
Kenya,2019,rural,male,37,35-44,lowest,secondary,self_employed,30.12,3,good,1,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,male,28,25-34,highest,none,self_employed,384.4,9,good,1,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,female,26,25-34,fourth,secondary,farmer,500.89,3,none,0,621,1,family_friends,4465.56,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2023,rural,male,35,25-34,middle,tertiary,farmer,271.85,10,excellent,0,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,57,55+,middle,secondary,employed_informal,457.39,10,limited,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,female,49,45-54,highest,tertiary,self_employed,1566.65,7,limited,0,106,1,sacco,5654.17,guarantor,business,1,5210.95,0.366,24,296.49,paid_off,not_applicable,high_burden
Mali,2022,urban,male,40,35-44,lowest,primary,self_employed,46.09,2,good,0,209,1,informal_lender,2394.87,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2023,urban,female,44,35-44,lowest,primary,self_employed,108.02,10,limited,0,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,urban,male,29,25-34,second,none,self_employed,196.01,7,good,0,582,1,family_friends,2528.97,equipment,consumption,1,2190.75,0.05,36,63.9,current,not_applicable,high_burden
Mali,2022,rural,female,59,55+,middle,none,self_employed,135.02,6,limited,1,509,1,commercial_bank,2971.97,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2019,rural,male,32,25-34,second,secondary,unemployed,162.41,1,limited,0,821,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,rural,female,44,35-44,middle,none,unemployed,110.98,2,none,1,680,1,commercial_bank,5331.91,savings,asset_purchase,1,4853.78,0.222,12,494.36,current,not_applicable,high_burden
Tanzania,2019,urban,male,19,18-24,second,secondary,farmer,187.75,4,excellent,0,565,1,digital_lender,1618.12,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2022,urban,female,62,55+,middle,primary,employed_informal,551.31,3,limited,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,female,34,25-34,fourth,secondary,self_employed,568.38,1,good,0,406,1,family_friends,3044.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2022,rural,female,42,35-44,fourth,primary,self_employed,318.01,7,none,1,335,1,commercial_bank,1994.9,savings,business,1,1664.66,0.152,24,79.89,current,not_applicable,high_burden
Uganda,2020,urban,female,22,18-24,lowest,tertiary,self_employed,267.38,3,limited,1,455,1,commercial_bank,2080.66,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2022,rural,male,21,18-24,middle,primary,employed_informal,55.44,10,limited,0,656,1,digital_lender,3052.79,savings,education,1,2795.97,0.428,24,166.41,current,not_applicable,high_burden
Ethiopia,2018,urban,male,32,25-34,fourth,secondary,self_employed,115.98,3,limited,1,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,male,42,35-44,second,none,self_employed,198.8,10,none,0,395,1,digital_lender,7568.84,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2021,urban,female,28,25-34,second,primary,unemployed,202.48,1,none,0,91,1,microfinance,16743.4,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2023,rural,male,19,18-24,highest,none,employed_formal,845.99,5,none,0,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,female,59,55+,highest,secondary,self_employed,465.79,7,limited,0,603,1,family_friends,16656.55,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2022,rural,female,18,18-24,second,tertiary,employed_formal,53.57,4,good,1,556,1,sacco,2740.54,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2024,urban,male,59,55+,lowest,primary,employed_informal,35.58,8,good,1,202,1,microfinance,2110.24,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2019,rural,female,68,55+,fourth,tertiary,farmer,669.44,3,none,1,150,1,informal_lender,17619.78,guarantor,agriculture,1,15100.98,0.772,12,2229.3,current,not_applicable,high_burden
Rwanda,2019,urban,male,19,18-24,second,none,farmer,204.53,7,none,1,165,1,digital_lender,1161.16,equipment,emergency,1,1070.46,0.432,6,255.48,paid_off,not_applicable,high_burden
Kenya,2025,rural,female,28,25-34,lowest,secondary,employed_formal,72.53,4,none,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,male,57,55+,middle,tertiary,farmer,103.9,10,none,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,68,55+,fourth,secondary,farmer,1011.53,2,limited,0,497,1,informal_lender,2978.92,none,consumption,1,2654.67,0.812,24,200.47,current,not_applicable,high_burden
Mozambique,2023,rural,female,38,35-44,fourth,secondary,unemployed,342.72,4,none,0,497,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,urban,male,31,25-34,second,primary,farmer,100.37,1,limited,0,494,1,sacco,4776.64,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Tanzania,2021,rural,male,26,25-34,fourth,none,farmer,183.38,5,limited,1,526,1,sacco,803.41,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2018,rural,male,49,45-54,second,none,employed_informal,352.36,4,none,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,male,31,25-34,second,tertiary,self_employed,84.24,3,good,1,142,1,microfinance,2563.58,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2021,urban,male,42,35-44,fourth,secondary,unemployed,2023.7,1,none,1,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,female,69,55+,highest,secondary,employed_formal,1441.12,10,none,1,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,female,59,55+,lowest,secondary,unemployed,56.75,3,good,0,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,male,61,55+,second,secondary,employed_formal,177.38,10,none,1,40,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,male,67,55+,middle,tertiary,unemployed,363.88,5,good,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,female,30,25-34,second,primary,self_employed,103.24,1,excellent,0,678,1,microfinance,5311.48,savings,agriculture,1,4940.95,0.295,12,533.23,paid_off,not_applicable,high_burden
Rwanda,2019,urban,female,44,35-44,middle,primary,self_employed,223.88,7,none,0,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,61,55+,second,secondary,farmer,53.9,8,limited,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,38,35-44,middle,tertiary,employed_formal,160.91,10,excellent,1,589,1,microfinance,1596.52,savings,emergency,1,1595.45,0.346,24,89.51,paid_off,not_applicable,high_burden
Malawi,2021,rural,male,37,35-44,fourth,none,self_employed,409.46,1,limited,1,3,1,microfinance,2980.85,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2025,rural,male,68,55+,fourth,none,employed_formal,105.42,6,limited,0,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,46,45-54,lowest,primary,self_employed,139.07,8,good,0,360,1,sacco,6863.96,equipment,education,1,5900.68,0.289,24,316.83,paid_off,not_applicable,high_burden
Tanzania,2023,rural,female,55,45-54,middle,secondary,farmer,175.78,1,good,1,421,1,sacco,8385.51,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mozambique,2020,urban,female,48,45-54,lowest,tertiary,unemployed,41.43,1,good,0,319,1,family_friends,1246.64,none,business,1,1237.85,0.061,24,54.7,defaulted,not_applicable,high_burden
Uganda,2020,urban,female,69,55+,second,secondary,unemployed,148.14,1,none,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,female,69,55+,fourth,primary,self_employed,902.09,8,limited,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,female,56,55+,second,primary,unemployed,213.85,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,female,68,55+,second,primary,employed_informal,149.01,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,male,46,45-54,middle,tertiary,self_employed,211.47,8,none,1,317,1,digital_lender,2088.43,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2023,rural,male,54,45-54,highest,none,unemployed,562.01,1,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,female,63,55+,second,primary,self_employed,110.03,7,limited,1,213,1,informal_lender,3087.35,guarantor,business,1,2647.38,0.803,12,397.76,current,not_applicable,high_burden
Kenya,2022,rural,male,19,18-24,highest,secondary,farmer,1107.89,10,limited,1,816,1,commercial_bank,28760.34,none,housing,1,26309.84,0.228,12,2692.98,paid_off,not_applicable,high_burden
Uganda,2021,rural,male,44,35-44,lowest,secondary,self_employed,20.59,2,none,1,20,1,microfinance,1762.87,none,business,1,1439.88,0.357,24,81.44,paid_off,not_applicable,high_burden
Zambia,2018,urban,male,18,18-24,second,primary,self_employed,125.97,10,limited,1,252,1,microfinance,4554.49,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2019,rural,female,69,55+,lowest,none,farmer,96.84,2,good,0,326,1,family_friends,2215.74,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Malawi,2025,rural,male,18,18-24,lowest,primary,employed_informal,82.12,8,none,1,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,rural,female,21,18-24,second,primary,unemployed,110.17,3,none,1,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,male,62,55+,fourth,none,employed_informal,179.44,7,none,1,738,1,commercial_bank,2050.37,equipment,agriculture,1,1701.7,0.157,36,54.67,late_60_days,not_applicable,high_burden
Senegal,2020,rural,female,65,55+,second,secondary,unemployed,140.56,5,none,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,female,64,55+,second,primary,employed_formal,363.0,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,female,53,45-54,fourth,primary,self_employed,492.23,5,limited,1,690,1,digital_lender,9439.02,guarantor,education,1,8631.68,0.425,18,683.36,current,not_applicable,high_burden
Uganda,2020,urban,female,64,55+,lowest,tertiary,unemployed,25.79,2,none,1,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2024,urban,female,46,45-54,fourth,primary,self_employed,530.28,7,none,1,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,urban,female,34,25-34,lowest,primary,self_employed,84.17,10,good,1,477,1,commercial_bank,3537.89,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Malawi,2021,urban,male,27,25-34,highest,secondary,employed_formal,289.56,9,limited,0,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,male,21,18-24,lowest,none,employed_informal,50.01,5,excellent,1,391,1,informal_lender,3769.23,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2019,urban,male,28,25-34,middle,tertiary,self_employed,379.0,2,none,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,male,40,35-44,middle,none,self_employed,471.91,1,limited,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,37,35-44,lowest,primary,self_employed,101.56,4,limited,0,529,1,informal_lender,3492.33,guarantor,business,1,3233.0,0.805,24,243.16,current,not_applicable,high_burden
Ghana,2021,urban,male,19,18-24,fourth,tertiary,employed_formal,332.93,10,good,0,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,urban,female,23,18-24,fourth,secondary,employed_informal,106.41,6,good,1,506,1,microfinance,3190.36,equipment,education,1,2636.51,0.281,24,140.75,current,not_applicable,high_burden
South Africa,2020,urban,female,18,18-24,second,primary,employed_informal,206.5,4,good,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,male,58,55+,lowest,secondary,self_employed,50.03,4,none,0,0,1,family_friends,1835.56,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2022,rural,male,58,55+,highest,primary,farmer,200.96,3,good,0,228,1,family_friends,2777.91,guarantor,business,1,2254.5,0.068,12,200.73,current,not_applicable,high_burden
Niger,2020,rural,male,57,55+,highest,none,employed_informal,642.53,1,none,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,male,22,18-24,fourth,secondary,self_employed,1195.38,3,limited,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,male,50,45-54,highest,secondary,farmer,1875.2,8,none,0,243,1,family_friends,6567.87,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2021,urban,female,48,45-54,fourth,secondary,self_employed,431.3,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,female,65,55+,second,primary,self_employed,153.04,6,good,0,371,1,informal_lender,3542.53,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2021,rural,male,63,55+,lowest,secondary,self_employed,186.73,5,none,1,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,female,19,18-24,highest,secondary,employed_informal,501.87,7,limited,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,female,19,18-24,lowest,none,employed_formal,55.8,5,limited,1,457,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,male,21,18-24,lowest,primary,self_employed,73.81,2,none,0,405,1,commercial_bank,1909.37,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2023,rural,male,18,18-24,lowest,primary,farmer,71.32,8,good,0,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,female,19,18-24,lowest,primary,unemployed,51.76,1,none,0,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,34,25-34,middle,none,employed_informal,205.38,6,none,0,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,female,52,45-54,fourth,primary,employed_informal,715.34,9,none,1,281,1,commercial_bank,21358.74,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2023,rural,male,46,45-54,middle,primary,employed_formal,65.58,10,excellent,0,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,male,54,45-54,fourth,secondary,employed_formal,407.09,5,limited,0,0,1,digital_lender,9089.34,guarantor,consumption,1,8585.14,0.494,6,2137.07,paid_off,not_applicable,high_burden
Kenya,2020,urban,male,68,55+,highest,primary,farmer,3069.25,3,limited,1,173,1,digital_lender,22366.94,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2019,rural,female,18,18-24,highest,none,self_employed,1805.86,9,none,0,659,1,digital_lender,6231.17,guarantor,emergency,1,6085.52,0.448,12,734.34,defaulted,not_applicable,high_burden
Mozambique,2023,urban,male,56,55+,middle,secondary,employed_informal,94.07,3,none,0,27,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,female,64,55+,second,secondary,self_employed,45.98,1,good,0,135,1,informal_lender,1205.56,savings,education,1,1192.83,0.788,12,177.72,paid_off,not_applicable,high_burden
Mozambique,2025,rural,female,34,25-34,second,primary,employed_informal,100.94,7,limited,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,female,25,18-24,middle,tertiary,self_employed,265.01,7,limited,0,18,1,family_friends,6491.77,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2018,rural,female,24,18-24,lowest,primary,self_employed,38.88,7,excellent,1,850,1,family_friends,1927.86,none,agriculture,1,1692.86,0.037,36,48.76,current,not_applicable,high_burden
Rwanda,2024,rural,male,36,35-44,second,secondary,employed_informal,109.94,8,none,1,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,male,62,55+,middle,secondary,employed_informal,49.39,8,none,0,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,female,53,45-54,middle,secondary,unemployed,234.58,1,good,1,169,1,digital_lender,3135.84,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Niger,2025,rural,male,46,45-54,middle,primary,farmer,364.2,2,good,0,454,1,commercial_bank,6705.81,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2023,rural,female,18,18-24,fourth,secondary,unemployed,349.77,4,none,0,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,male,69,55+,highest,secondary,self_employed,1918.54,8,good,1,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,urban,female,31,25-34,lowest,tertiary,self_employed,53.6,3,limited,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,62,55+,fourth,primary,self_employed,302.88,4,limited,1,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,male,22,18-24,fourth,primary,self_employed,419.34,2,limited,0,315,1,microfinance,14063.19,savings,agriculture,1,13791.24,0.359,6,3123.76,late_60_days,not_applicable,high_burden
Tanzania,2020,urban,female,30,25-34,middle,primary,farmer,251.47,4,good,1,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,female,37,35-44,highest,secondary,self_employed,434.13,2,limited,1,510,1,commercial_bank,2176.76,none,asset_purchase,1,1824.48,0.173,6,356.55,paid_off,not_applicable,high_burden
Rwanda,2018,rural,male,39,35-44,highest,secondary,employed_informal,740.01,3,limited,0,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,female,45,35-44,lowest,none,unemployed,157.44,5,limited,1,695,1,sacco,12239.28,none,business,1,11052.81,0.33,12,1225.08,paid_off,not_applicable,high_burden
South Africa,2019,rural,male,31,25-34,lowest,primary,employed_informal,16.52,7,none,0,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,69,55+,lowest,primary,farmer,308.46,10,limited,0,181,1,informal_lender,3402.76,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
South Africa,2022,urban,female,49,45-54,lowest,tertiary,self_employed,54.73,10,excellent,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,female,42,35-44,highest,primary,self_employed,656.16,7,none,1,787,1,commercial_bank,5463.23,none,education,1,5443.82,0.16,48,131.58,late_60_days,not_applicable,high_burden
Kenya,2021,urban,male,63,55+,second,primary,farmer,207.22,3,none,1,212,1,family_friends,8954.41,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2018,rural,female,52,45-54,highest,secondary,employed_informal,331.27,5,none,0,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,male,44,35-44,highest,secondary,self_employed,888.13,1,none,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,male,65,55+,second,tertiary,self_employed,132.03,7,good,1,96,1,commercial_bank,1620.47,none,agriculture,1,1451.19,0.222,24,73.91,current,not_applicable,high_burden
Ethiopia,2025,rural,female,67,55+,lowest,none,unemployed,189.29,2,none,0,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,female,65,55+,lowest,primary,employed_informal,121.35,10,limited,0,6,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,urban,female,52,45-54,middle,none,farmer,580.61,7,limited,0,39,1,informal_lender,3343.62,property,education,1,2938.06,0.822,12,446.09,current,not_applicable,high_burden
Ethiopia,2022,urban,male,24,18-24,highest,secondary,unemployed,744.52,3,limited,1,549,1,sacco,5449.29,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2022,rural,male,63,55+,lowest,secondary,employed_informal,190.01,2,none,1,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,68,55+,highest,secondary,self_employed,230.8,5,excellent,1,442,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,urban,male,24,18-24,fourth,primary,farmer,213.74,9,none,1,110,1,commercial_bank,7094.65,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Uganda,2023,urban,male,59,55+,second,secondary,self_employed,425.53,6,limited,0,652,1,sacco,10691.05,guarantor,business,1,9217.68,0.334,24,512.28,current,not_applicable,high_burden
Tanzania,2022,urban,male,28,25-34,second,tertiary,farmer,738.93,9,none,1,372,1,employer,17793.73,guarantor,business,1,15897.13,0.005,6,2663.49,late_30_days,not_applicable,high_burden
Ghana,2022,urban,male,52,45-54,fourth,primary,self_employed,311.85,1,none,1,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,urban,male,24,18-24,middle,tertiary,employed_informal,576.67,2,none,0,489,1,digital_lender,17444.08,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2021,urban,male,43,35-44,second,secondary,self_employed,67.27,8,limited,0,801,1,family_friends,829.84,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2022,rural,female,42,35-44,lowest,secondary,unemployed,180.49,3,none,0,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,female,60,55+,highest,none,employed_formal,179.3,10,none,0,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,male,61,55+,lowest,secondary,unemployed,66.86,1,limited,1,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,male,20,18-24,middle,tertiary,farmer,153.83,1,none,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,urban,female,20,18-24,fourth,secondary,self_employed,647.75,10,none,0,77,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,female,38,35-44,second,secondary,self_employed,181.26,1,excellent,0,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,19,18-24,highest,secondary,unemployed,1470.34,1,none,1,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2025,rural,male,24,18-24,second,primary,employed_informal,150.24,7,limited,0,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,male,61,55+,middle,secondary,farmer,389.07,8,none,0,0,1,commercial_bank,10070.85,equipment,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Kenya,2018,rural,female,56,55+,highest,tertiary,self_employed,288.08,9,good,1,708,1,digital_lender,5376.72,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2020,urban,male,49,45-54,lowest,secondary,farmer,31.71,9,good,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,female,51,45-54,middle,none,unemployed,228.89,3,none,0,660,1,family_friends,2544.58,none,agriculture,1,2154.21,0.081,12,194.04,paid_off,not_applicable,high_burden
Zambia,2022,rural,male,49,45-54,middle,primary,unemployed,98.97,1,none,0,435,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,urban,male,68,55+,lowest,primary,self_employed,66.89,8,limited,1,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,male,20,18-24,middle,primary,unemployed,375.85,1,limited,0,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,female,18,18-24,middle,secondary,self_employed,631.8,7,good,1,135,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,urban,female,64,55+,lowest,primary,employed_informal,66.87,7,none,0,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,urban,female,34,25-34,lowest,primary,farmer,589.39,7,none,0,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,female,18,18-24,middle,primary,self_employed,483.69,4,good,1,654,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,urban,female,41,35-44,middle,none,farmer,272.76,1,good,0,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,rural,female,41,35-44,fourth,primary,unemployed,830.38,1,none,0,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,female,68,55+,second,tertiary,farmer,125.15,10,none,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,urban,male,47,45-54,second,primary,farmer,132.16,1,limited,1,634,1,microfinance,3241.82,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2024,rural,male,24,18-24,fourth,tertiary,self_employed,473.09,4,excellent,1,197,1,family_friends,5634.94,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2018,rural,male,31,25-34,fourth,secondary,unemployed,96.59,3,none,1,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,rural,female,39,35-44,second,secondary,employed_formal,144.11,6,none,0,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,rural,male,18,18-24,fourth,secondary,employed_informal,288.64,1,limited,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2018,rural,female,42,35-44,lowest,tertiary,farmer,52.15,3,limited,1,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2025,rural,male,63,55+,middle,tertiary,employed_informal,190.09,9,good,1,662,1,digital_lender,3354.69,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2018,rural,female,27,25-34,lowest,tertiary,self_employed,85.04,5,limited,1,545,1,family_friends,4950.52,savings,agriculture,1,4427.6,0.031,12,380.57,current,not_applicable,high_burden
Zambia,2025,rural,female,44,35-44,middle,none,unemployed,76.33,1,good,0,157,1,family_friends,1761.17,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Niger,2024,rural,male,54,45-54,lowest,secondary,employed_informal,76.09,7,none,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,urban,male,30,25-34,second,primary,self_employed,252.25,9,none,1,481,1,commercial_bank,1533.88,equipment,business,1,1455.62,0.181,6,286.58,current,not_applicable,high_burden
Rwanda,2023,urban,male,24,18-24,fourth,primary,self_employed,526.04,3,good,0,368,1,informal_lender,12466.84,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2019,urban,female,38,35-44,fourth,secondary,unemployed,910.95,1,limited,1,240,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,34,25-34,highest,tertiary,employed_informal,516.05,3,excellent,1,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,female,42,35-44,lowest,primary,employed_informal,41.94,9,limited,0,782,1,sacco,3456.01,property,housing,1,3325.8,0.365,18,252.17,paid_off,not_applicable,high_burden
Niger,2022,rural,female,24,18-24,lowest,primary,farmer,58.33,7,none,0,542,1,microfinance,1403.12,none,business,1,1311.89,0.275,6,278.7,defaulted,not_applicable,high_burden
Mali,2021,urban,female,57,55+,second,none,employed_formal,188.35,9,limited,0,131,1,sacco,3477.25,savings,agriculture,1,3301.58,0.277,6,702.46,current,not_applicable,high_burden
Nigeria,2020,urban,male,21,18-24,second,secondary,self_employed,158.51,6,good,0,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,male,61,55+,lowest,primary,employed_formal,69.28,10,good,0,802,1,informal_lender,1137.73,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2018,urban,female,18,18-24,highest,secondary,farmer,2261.31,6,none,0,627,1,commercial_bank,10939.3,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2019,rural,male,58,55+,second,secondary,self_employed,116.77,5,limited,0,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,female,37,35-44,highest,secondary,self_employed,1027.51,9,excellent,1,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,urban,female,45,35-44,lowest,secondary,employed_formal,72.24,8,limited,0,305,1,sacco,1437.07,vehicle,consumption,1,1390.28,0.369,18,105.71,late_30_days,not_applicable,high_burden
Mozambique,2018,rural,female,46,45-54,middle,tertiary,farmer,441.12,1,none,0,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,male,37,35-44,middle,secondary,employed_formal,63.99,7,none,0,642,1,family_friends,2299.01,none,housing,1,1857.97,0.015,6,314.17,current,not_applicable,high_burden
Rwanda,2023,urban,female,59,55+,highest,secondary,employed_informal,890.33,3,none,1,789,1,commercial_bank,9636.08,none,business,1,8850.22,0.135,12,837.07,late_30_days,not_applicable,high_burden
Uganda,2021,rural,female,40,35-44,highest,primary,farmer,2872.59,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,female,34,25-34,lowest,tertiary,farmer,60.72,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,female,62,55+,lowest,secondary,self_employed,34.11,4,limited,0,521,1,microfinance,6652.21,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mozambique,2024,urban,female,56,55+,highest,tertiary,farmer,499.37,1,good,1,711,1,sacco,2761.76,none,agriculture,1,2281.99,0.319,18,167.2,late_30_days,not_applicable,high_burden
Kenya,2022,urban,male,51,45-54,middle,primary,employed_informal,120.1,8,limited,0,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,female,58,55+,lowest,primary,farmer,31.37,10,none,0,556,1,sacco,206.58,savings,business,1,173.84,0.303,24,9.44,late_60_days,not_applicable,high_burden
DRC,2020,urban,female,24,18-24,fourth,none,employed_informal,383.75,3,limited,0,459,1,microfinance,4854.14,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mozambique,2022,urban,male,54,45-54,middle,secondary,self_employed,266.35,2,limited,1,760,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,urban,female,67,55+,highest,none,employed_formal,681.72,9,limited,0,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,male,64,55+,lowest,secondary,self_employed,92.17,7,limited,1,717,1,commercial_bank,2432.01,savings,agriculture,1,2084.86,0.205,18,139.53,late_30_days,not_applicable,high_burden
South Africa,2025,rural,male,34,25-34,second,secondary,unemployed,112.19,3,limited,1,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,male,67,55+,fourth,primary,unemployed,226.55,1,limited,0,433,1,microfinance,3314.06,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2023,rural,male,59,55+,second,tertiary,employed_informal,197.88,5,limited,0,331,1,family_friends,1021.2,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2019,urban,male,65,55+,fourth,secondary,self_employed,339.93,4,none,1,20,1,sacco,6825.48,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2020,urban,male,49,45-54,lowest,secondary,employed_formal,62.1,4,none,0,655,1,family_friends,1053.13,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2020,urban,male,29,25-34,highest,primary,employed_formal,572.47,5,excellent,0,646,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,rural,female,48,45-54,second,secondary,employed_formal,120.43,6,good,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2022,urban,male,65,55+,middle,none,self_employed,171.4,1,none,1,94,1,commercial_bank,4547.72,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2023,urban,female,56,55+,highest,primary,employed_informal,209.35,5,none,0,638,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,urban,female,52,45-54,middle,primary,self_employed,563.48,8,none,1,686,1,digital_lender,1232.08,equipment,housing,1,1126.76,0.461,36,45.74,late_30_days,not_applicable,high_burden
Ghana,2025,rural,female,67,55+,fourth,secondary,farmer,199.16,9,limited,0,450,1,family_friends,11078.89,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ghana,2019,rural,female,56,55+,second,none,self_employed,603.89,6,none,1,55,1,commercial_bank,13027.73,guarantor,business,1,10809.19,0.218,12,1097.44,current,not_applicable,high_burden
South Africa,2025,urban,female,64,55+,fourth,tertiary,employed_informal,420.24,8,limited,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,urban,female,45,35-44,fourth,none,employed_informal,869.29,4,excellent,1,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,female,30,25-34,lowest,none,employed_informal,161.37,10,none,0,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,urban,female,66,55+,fourth,primary,unemployed,222.52,6,none,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,male,63,55+,second,tertiary,employed_informal,108.07,1,good,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,male,24,18-24,fourth,secondary,self_employed,420.78,10,limited,1,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,male,37,35-44,highest,primary,self_employed,468.54,9,none,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,urban,female,59,55+,lowest,primary,employed_formal,68.59,5,limited,0,823,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,male,65,55+,second,secondary,employed_informal,82.46,7,none,0,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,male,61,55+,lowest,secondary,farmer,34.28,7,none,1,616,1,sacco,2615.86,guarantor,housing,1,2219.63,0.281,18,157.98,paid_off,not_applicable,high_burden
Malawi,2025,urban,male,63,55+,lowest,secondary,unemployed,43.02,6,good,0,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,female,29,25-34,middle,secondary,employed_formal,574.41,9,good,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,male,34,25-34,highest,primary,self_employed,182.27,3,good,0,198,1,sacco,13301.41,none,debt_consolidation,1,12912.87,0.316,24,708.03,current,not_applicable,high_burden
DRC,2021,urban,male,28,25-34,second,primary,unemployed,392.09,1,limited,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,female,64,55+,second,secondary,employed_formal,102.9,10,none,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,rural,male,36,35-44,middle,tertiary,employed_informal,232.02,7,excellent,0,850,1,microfinance,8762.38,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2020,rural,male,49,45-54,middle,none,unemployed,46.95,1,limited,0,112,1,informal_lender,3761.07,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2018,rural,male,33,25-34,highest,secondary,self_employed,883.22,3,limited,1,128,1,commercial_bank,6787.15,property,business,1,5443.17,0.198,18,362.3,late_30_days,not_applicable,high_burden
Mozambique,2025,urban,female,50,45-54,fourth,secondary,employed_formal,545.88,10,none,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,female,36,35-44,highest,primary,self_employed,960.35,2,none,0,176,1,family_friends,5715.06,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2020,rural,female,69,55+,fourth,tertiary,self_employed,153.63,1,none,0,167,1,employer,4603.72,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2021,rural,male,35,25-34,fourth,secondary,farmer,283.47,10,none,0,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2024,rural,male,23,18-24,fourth,primary,self_employed,279.72,7,none,1,1,1,commercial_bank,15251.77,equipment,business,1,13227.49,0.187,6,2616.7,current,not_applicable,high_burden
Uganda,2025,urban,male,60,55+,highest,secondary,self_employed,473.28,2,limited,1,528,1,commercial_bank,3975.72,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2018,urban,male,34,25-34,fourth,none,unemployed,152.47,3,limited,1,365,1,family_friends,7208.83,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2021,rural,female,60,55+,fourth,none,farmer,292.21,3,none,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,female,36,35-44,highest,secondary,self_employed,2517.53,2,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2019,urban,male,24,18-24,fourth,tertiary,self_employed,750.27,8,good,0,614,1,microfinance,8695.52,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2022,rural,female,44,35-44,middle,primary,employed_informal,110.77,7,none,0,421,1,sacco,2603.98,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2025,rural,female,58,55+,lowest,none,employed_informal,56.57,2,good,1,355,1,family_friends,1463.66,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2019,rural,female,30,25-34,lowest,none,employed_informal,41.83,3,limited,0,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,male,25,18-24,fourth,none,self_employed,595.45,2,none,0,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,female,50,45-54,highest,secondary,employed_informal,486.22,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,rural,female,31,25-34,lowest,none,farmer,25.64,6,excellent,1,547,1,commercial_bank,495.91,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Mozambique,2020,rural,male,39,35-44,lowest,none,unemployed,54.99,6,limited,0,801,1,family_friends,2250.17,guarantor,business,1,1886.18,0.043,24,81.93,current,not_applicable,high_burden
Nigeria,2023,urban,female,36,35-44,second,none,self_employed,311.22,9,good,1,555,1,sacco,18164.75,property,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Ethiopia,2020,rural,male,20,18-24,second,tertiary,employed_formal,169.27,5,good,1,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,male,33,25-34,lowest,secondary,farmer,99.62,1,good,1,694,1,commercial_bank,3840.87,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2024,rural,female,61,55+,middle,primary,employed_formal,380.04,9,limited,0,135,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,female,34,25-34,second,none,self_employed,77.33,6,none,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,rural,female,19,18-24,highest,none,employed_formal,2051.14,4,limited,1,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,male,61,55+,second,secondary,unemployed,74.82,1,none,1,121,1,family_friends,2054.97,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2019,urban,male,39,35-44,middle,secondary,employed_formal,1226.22,10,none,1,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,urban,female,68,55+,lowest,secondary,employed_informal,40.49,4,none,0,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,male,25,18-24,middle,secondary,self_employed,76.48,8,none,0,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,35,25-34,highest,primary,self_employed,274.2,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2021,rural,female,31,25-34,lowest,secondary,self_employed,70.06,1,none,0,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,female,56,55+,middle,tertiary,farmer,119.79,8,limited,0,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,male,36,35-44,fourth,secondary,unemployed,227.6,1,excellent,0,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,female,33,25-34,middle,primary,farmer,708.52,8,good,0,133,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,female,21,18-24,lowest,none,unemployed,46.43,1,good,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,male,31,25-34,fourth,none,farmer,369.67,7,limited,0,92,1,informal_lender,8515.25,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2018,urban,male,33,25-34,lowest,primary,employed_informal,149.44,4,none,0,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2020,rural,male,59,55+,second,primary,self_employed,121.31,3,limited,1,504,1,digital_lender,5322.28,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2022,urban,male,47,45-54,second,secondary,self_employed,177.13,2,limited,1,711,1,microfinance,4878.25,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2019,rural,female,61,55+,second,secondary,employed_formal,59.83,10,none,1,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,urban,male,45,35-44,highest,secondary,self_employed,349.34,5,limited,1,322,1,commercial_bank,10843.24,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2025,rural,male,44,35-44,second,none,self_employed,122.37,9,none,1,688,1,sacco,4668.34,guarantor,emergency,1,4593.08,0.298,12,496.69,current,not_applicable,high_burden
Uganda,2019,rural,female,48,45-54,middle,primary,employed_formal,304.77,6,limited,1,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,67,55+,fourth,secondary,self_employed,314.63,9,good,0,391,1,microfinance,6262.63,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2019,urban,female,44,35-44,middle,tertiary,unemployed,439.57,3,none,0,0,1,informal_lender,2150.78,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2024,urban,male,49,45-54,second,none,self_employed,557.54,1,none,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,male,25,18-24,lowest,none,employed_informal,43.28,1,good,1,137,1,commercial_bank,1398.67,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2018,urban,female,49,45-54,highest,none,employed_informal,674.65,9,none,0,490,1,digital_lender,2698.05,guarantor,housing,1,2245.9,0.465,12,274.11,current,not_applicable,high_burden
Niger,2018,rural,female,41,35-44,lowest,secondary,employed_informal,33.83,3,none,1,166,1,commercial_bank,3216.89,guarantor,agriculture,1,2793.61,0.18,18,183.11,paid_off,not_applicable,high_burden
DRC,2025,rural,male,26,25-34,middle,secondary,self_employed,300.39,10,limited,0,8,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,male,43,35-44,lowest,secondary,self_employed,75.11,3,none,1,78,1,microfinance,2204.13,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Uganda,2018,urban,female,48,45-54,fourth,secondary,self_employed,1827.67,2,good,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,female,52,45-54,second,primary,unemployed,92.9,2,limited,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,female,52,45-54,highest,tertiary,employed_informal,1011.99,4,limited,0,850,1,family_friends,12763.3,property,education,1,10283.26,0.03,12,882.27,late_30_days,not_applicable,high_burden
Ethiopia,2025,rural,female,50,45-54,lowest,secondary,farmer,83.26,5,good,1,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,urban,female,20,18-24,lowest,secondary,self_employed,20.56,2,limited,0,833,1,sacco,1091.19,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2020,rural,male,54,45-54,fourth,secondary,self_employed,318.76,9,limited,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,female,33,25-34,lowest,none,unemployed,36.88,6,limited,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,male,45,35-44,fourth,secondary,farmer,216.76,3,none,0,646,1,digital_lender,13046.5,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mali,2023,urban,male,18,18-24,middle,secondary,self_employed,147.6,3,none,1,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,female,61,55+,fourth,secondary,employed_informal,755.91,9,none,1,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,female,62,55+,second,secondary,farmer,43.13,7,none,1,575,1,family_friends,1061.52,guarantor,business,1,878.7,0.022,12,74.84,current,not_applicable,high_burden
Nigeria,2020,rural,male,22,18-24,highest,none,farmer,263.35,8,none,1,211,1,informal_lender,5082.81,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2022,rural,female,69,55+,fourth,primary,employed_informal,421.24,4,good,0,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,rural,female,45,35-44,lowest,tertiary,farmer,39.38,7,limited,0,342,1,family_friends,1739.69,property,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
DRC,2022,rural,male,39,35-44,highest,primary,employed_informal,103.61,10,none,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,rural,male,44,35-44,highest,none,self_employed,190.6,2,limited,1,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,female,66,55+,lowest,primary,self_employed,50.27,7,limited,0,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,rural,female,57,55+,second,secondary,farmer,55.9,10,good,1,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,male,38,35-44,middle,secondary,unemployed,237.09,4,limited,1,507,1,digital_lender,3125.95,none,business,1,2522.03,0.44,12,302.57,defaulted,not_applicable,high_burden
Mozambique,2019,urban,male,40,35-44,highest,primary,employed_informal,269.55,10,none,0,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,female,38,35-44,middle,secondary,employed_formal,89.55,7,none,0,718,1,informal_lender,2768.35,guarantor,asset_purchase,1,2585.73,0.791,18,257.23,defaulted,not_applicable,high_burden
Senegal,2019,rural,female,36,35-44,lowest,tertiary,self_employed,29.74,5,none,1,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,urban,male,36,35-44,fourth,secondary,self_employed,912.91,1,excellent,0,825,1,family_friends,8222.41,equipment,emergency,1,8071.3,0.045,18,468.68,current,not_applicable,high_burden
Nigeria,2024,rural,female,51,45-54,fourth,tertiary,employed_informal,160.82,7,none,1,647,1,informal_lender,2415.23,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2019,urban,female,60,55+,second,primary,farmer,78.87,2,limited,1,280,1,commercial_bank,9075.79,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Senegal,2020,rural,male,68,55+,second,secondary,self_employed,65.37,6,good,1,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,female,20,18-24,lowest,primary,employed_informal,41.37,10,good,1,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,male,30,25-34,lowest,secondary,farmer,67.73,3,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2021,urban,female,40,35-44,fourth,none,unemployed,207.51,5,none,1,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,female,31,25-34,fourth,secondary,self_employed,101.24,5,good,1,397,1,microfinance,1011.94,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2023,rural,female,29,25-34,lowest,tertiary,employed_informal,118.12,3,excellent,0,816,1,family_friends,6061.25,guarantor,housing,1,5058.83,0.013,6,854.33,current,not_applicable,high_burden
Rwanda,2023,urban,female,34,25-34,fourth,tertiary,unemployed,509.97,1,good,1,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,male,44,35-44,middle,secondary,self_employed,314.18,1,none,1,493,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,urban,male,23,18-24,lowest,tertiary,self_employed,80.3,7,good,1,499,1,digital_lender,4086.47,equipment,agriculture,1,3502.54,0.407,6,821.22,current,not_applicable,high_burden
Nigeria,2018,urban,female,57,55+,lowest,secondary,self_employed,178.5,2,none,0,5,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,rural,female,41,35-44,second,secondary,farmer,72.54,3,good,1,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,female,63,55+,second,secondary,self_employed,242.9,8,limited,1,831,1,microfinance,6481.74,none,business,1,5918.87,0.31,48,161.52,current,not_applicable,high_burden
South Africa,2025,rural,male,35,25-34,second,secondary,farmer,40.69,2,none,0,0,1,microfinance,2167.29,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2020,rural,female,65,55+,fourth,secondary,self_employed,68.69,7,none,0,687,1,informal_lender,2630.89,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Nigeria,2021,rural,female,22,18-24,second,none,unemployed,131.14,1,none,0,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,male,42,35-44,lowest,tertiary,farmer,198.13,7,good,1,184,1,informal_lender,2552.42,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2020,rural,female,50,45-54,lowest,secondary,self_employed,129.75,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2025,rural,male,37,35-44,middle,tertiary,farmer,121.11,4,none,0,44,1,family_friends,3945.61,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Tanzania,2018,rural,male,42,35-44,highest,primary,unemployed,708.04,1,limited,0,850,1,microfinance,6754.22,property,agriculture,1,5892.44,0.295,48,158.97,paid_off,not_applicable,high_burden
Senegal,2024,urban,male,28,25-34,middle,none,employed_informal,106.81,10,limited,1,551,1,commercial_bank,7840.91,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2022,urban,male,66,55+,second,secondary,farmer,89.27,8,limited,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,rural,female,36,35-44,middle,tertiary,self_employed,328.64,10,none,1,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,rural,female,28,25-34,lowest,none,self_employed,68.43,8,limited,0,113,1,informal_lender,586.36,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2019,urban,female,31,25-34,middle,primary,unemployed,755.51,1,none,0,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,female,30,25-34,lowest,none,self_employed,66.43,10,none,1,0,1,family_friends,4188.79,none,business,1,3515.02,0.015,12,297.37,current,not_applicable,high_burden
Malawi,2023,rural,female,52,45-54,highest,tertiary,employed_informal,590.37,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,female,40,35-44,fourth,primary,employed_informal,149.43,5,none,1,380,1,sacco,4379.03,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2024,urban,male,55,45-54,second,secondary,self_employed,423.16,6,none,1,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,female,55,45-54,middle,tertiary,employed_informal,40.97,6,limited,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,60,55+,middle,primary,self_employed,689.15,8,good,0,756,1,informal_lender,16262.94,none,housing,1,15736.38,0.816,18,1588.01,defaulted,not_applicable,high_burden
Tanzania,2020,rural,male,47,45-54,middle,secondary,self_employed,138.57,6,limited,0,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,male,47,45-54,lowest,primary,unemployed,80.24,5,none,1,58,1,digital_lender,1657.42,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2021,urban,male,69,55+,second,primary,employed_formal,365.84,6,none,1,731,1,digital_lender,3635.37,vehicle,agriculture,1,3279.23,0.452,6,793.52,current,not_applicable,high_burden
Uganda,2020,urban,female,28,25-34,highest,secondary,farmer,749.78,10,good,1,191,1,microfinance,2632.97,property,business,1,2405.92,0.28,48,64.16,paid_off,not_applicable,high_burden
Nigeria,2022,rural,male,52,45-54,highest,tertiary,unemployed,654.13,1,none,1,831,1,informal_lender,5102.57,equipment,business,1,5071.32,0.773,18,499.66,defaulted,not_applicable,high_burden
Ethiopia,2024,urban,male,44,35-44,second,none,unemployed,98.7,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,urban,female,47,45-54,lowest,tertiary,farmer,158.89,8,limited,1,378,1,microfinance,3367.35,none,business,1,3343.72,0.277,12,355.86,paid_off,not_applicable,high_burden
South Africa,2019,urban,female,37,35-44,second,tertiary,unemployed,653.14,1,limited,0,252,1,digital_lender,5299.65,none,business,1,4625.65,0.467,24,282.65,late_60_days,not_applicable,high_burden
DRC,2018,rural,female,69,55+,fourth,secondary,self_employed,205.81,10,none,0,0,1,informal_lender,2007.65,guarantor,agriculture,1,1848.64,0.801,36,92.49,current,not_applicable,high_burden
Malawi,2020,rural,male,59,55+,lowest,secondary,farmer,22.65,9,good,1,602,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,urban,female,38,35-44,middle,tertiary,employed_informal,98.5,8,good,0,362,1,microfinance,4371.55,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2019,rural,female,46,45-54,middle,secondary,self_employed,266.0,1,good,1,360,1,informal_lender,3813.05,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2022,urban,male,56,55+,highest,primary,unemployed,437.47,1,good,1,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,male,60,55+,middle,primary,unemployed,137.99,3,limited,1,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,rural,female,68,55+,lowest,secondary,self_employed,82.43,2,limited,0,353,1,microfinance,886.47,none,business,1,737.3,0.334,24,40.99,late_60_days,not_applicable,high_burden
Tanzania,2018,urban,male,22,18-24,second,primary,employed_formal,87.47,10,none,0,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,urban,male,51,45-54,lowest,primary,unemployed,64.74,4,none,1,620,1,family_friends,1525.97,savings,education,1,1306.25,0.086,18,78.84,current,not_applicable,high_burden
Niger,2021,urban,male,62,55+,lowest,tertiary,self_employed,230.62,5,good,1,408,1,commercial_bank,2182.76,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Rwanda,2021,urban,male,42,35-44,fourth,primary,employed_formal,373.23,9,limited,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,male,29,25-34,fourth,secondary,self_employed,328.87,5,limited,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,male,35,25-34,fourth,primary,self_employed,147.79,1,good,0,850,1,microfinance,1983.05,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Niger,2019,rural,male,32,25-34,second,none,employed_informal,136.29,6,limited,1,709,1,commercial_bank,3051.75,equipment,agriculture,1,2666.98,0.177,6,523.02,current,not_applicable,high_burden
Kenya,2023,rural,male,26,25-34,middle,secondary,unemployed,923.63,3,excellent,1,623,1,informal_lender,14672.38,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2024,rural,female,47,45-54,middle,secondary,unemployed,307.96,3,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,urban,male,32,25-34,fourth,tertiary,employed_formal,561.85,4,none,0,136,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,female,27,25-34,lowest,secondary,unemployed,50.14,6,none,1,722,1,sacco,1332.22,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Uganda,2019,urban,male,61,55+,lowest,primary,self_employed,42.3,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,female,36,35-44,second,none,unemployed,123.93,1,good,1,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,male,46,45-54,fourth,secondary,farmer,371.49,4,limited,0,206,1,microfinance,7833.38,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
DRC,2025,urban,male,66,55+,second,primary,employed_informal,132.88,5,excellent,1,436,1,microfinance,8467.06,none,business,1,8129.43,0.279,18,577.49,current,not_applicable,high_burden
Senegal,2020,rural,female,56,55+,middle,none,employed_formal,112.14,10,none,0,55,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,female,47,45-54,middle,primary,employed_informal,119.42,3,none,1,614,1,commercial_bank,1770.32,property,agriculture,1,1608.33,0.166,24,78.11,late_30_days,not_applicable,high_burden
Tanzania,2020,rural,male,60,55+,fourth,none,self_employed,404.55,6,good,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2022,urban,male,64,55+,fourth,secondary,employed_informal,431.98,5,none,0,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,female,64,55+,middle,none,employed_informal,379.28,3,none,1,624,1,commercial_bank,3167.13,savings,business,1,2903.97,0.138,12,275.33,current,not_applicable,high_burden
South Africa,2019,rural,female,31,25-34,highest,primary,self_employed,396.25,6,excellent,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,male,44,35-44,fourth,secondary,unemployed,794.65,4,none,1,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,male,46,45-54,second,none,self_employed,213.1,5,limited,1,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,urban,female,49,45-54,fourth,tertiary,employed_informal,663.11,1,good,0,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,25,18-24,middle,secondary,self_employed,70.11,5,limited,0,24,1,family_friends,3387.33,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ghana,2020,rural,female,43,35-44,second,secondary,self_employed,35.52,2,none,1,222,1,digital_lender,1236.39,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2021,rural,male,46,45-54,fourth,secondary,self_employed,171.34,5,limited,0,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,rural,female,27,25-34,fourth,tertiary,self_employed,1411.33,6,good,1,545,1,commercial_bank,7688.27,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2019,rural,male,59,55+,highest,primary,self_employed,480.48,4,limited,1,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,female,56,55+,middle,primary,farmer,137.53,3,excellent,0,525,1,employer,2317.68,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2018,urban,female,24,18-24,highest,none,employed_formal,492.57,4,none,0,562,1,family_friends,7804.37,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2023,rural,male,18,18-24,fourth,primary,employed_informal,152.84,5,none,1,58,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,urban,female,27,25-34,fourth,secondary,employed_informal,638.26,10,limited,0,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,male,41,35-44,fourth,tertiary,employed_formal,199.25,4,limited,1,513,1,digital_lender,6302.32,none,business,1,5883.23,0.443,36,235.9,current,not_applicable,high_burden
South Africa,2025,urban,male,25,18-24,second,primary,farmer,219.51,1,none,0,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,female,34,25-34,lowest,secondary,unemployed,267.08,1,good,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,25,18-24,second,tertiary,employed_formal,251.98,6,good,1,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,rural,female,52,45-54,second,tertiary,employed_formal,213.13,10,limited,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,urban,male,31,25-34,second,secondary,self_employed,278.33,9,limited,0,308,1,informal_lender,4130.0,guarantor,business,1,3475.56,0.844,6,1068.19,paid_off,not_applicable,high_burden
Tanzania,2018,urban,male,24,18-24,fourth,secondary,self_employed,179.13,10,excellent,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,female,54,45-54,middle,none,self_employed,199.01,10,limited,0,233,1,informal_lender,5127.72,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Nigeria,2018,rural,female,29,25-34,second,primary,farmer,196.49,6,limited,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,urban,male,49,45-54,fourth,secondary,self_employed,198.59,7,none,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,female,37,35-44,highest,primary,self_employed,2187.04,5,good,1,423,1,microfinance,4561.5,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2023,rural,female,55,45-54,fourth,primary,self_employed,297.34,9,good,0,850,1,microfinance,3134.73,none,consumption,1,2734.48,0.367,36,103.81,current,not_applicable,high_burden
Ethiopia,2023,rural,female,22,18-24,lowest,primary,self_employed,46.92,5,none,1,314,1,informal_lender,5073.28,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2018,rural,male,32,25-34,highest,primary,unemployed,1202.88,1,good,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2024,rural,male,60,55+,second,secondary,self_employed,92.13,10,none,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,male,30,25-34,lowest,none,unemployed,103.09,1,none,0,84,1,digital_lender,2793.56,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2020,rural,male,31,25-34,lowest,tertiary,self_employed,64.95,7,limited,0,380,1,family_friends,4458.54,savings,business,1,4169.57,0.005,12,349.31,late_30_days,not_applicable,high_burden
Niger,2021,rural,male,61,55+,middle,secondary,self_employed,241.52,3,none,0,77,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,urban,female,36,35-44,lowest,secondary,self_employed,110.32,9,limited,0,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,female,69,55+,lowest,secondary,self_employed,49.26,3,none,0,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2023,rural,female,19,18-24,second,primary,farmer,106.53,1,none,1,696,1,commercial_bank,2830.4,none,consumption,1,2730.38,0.207,12,274.71,current,not_applicable,high_burden
Kenya,2021,urban,male,49,45-54,middle,tertiary,unemployed,234.09,4,none,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,female,44,35-44,highest,tertiary,farmer,634.07,1,none,0,817,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,urban,female,67,55+,second,primary,employed_informal,187.19,1,limited,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,male,18,18-24,fourth,primary,farmer,480.89,4,none,0,721,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2021,rural,female,63,55+,middle,secondary,employed_informal,200.93,1,good,0,758,1,informal_lender,2742.08,none,housing,1,2302.85,0.751,24,168.05,late_30_days,not_applicable,high_burden
Mali,2021,urban,female,61,55+,fourth,secondary,unemployed,1011.5,1,good,0,303,1,informal_lender,3167.8,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Kenya,2024,rural,female,42,35-44,lowest,primary,self_employed,70.3,5,none,0,464,1,sacco,3003.71,equipment,asset_purchase,1,2737.54,0.303,18,198.17,current,not_applicable,high_burden
Ghana,2018,rural,male,51,45-54,second,primary,farmer,107.31,7,good,0,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,female,57,55+,middle,tertiary,farmer,343.93,5,good,0,847,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,male,50,45-54,second,secondary,employed_informal,169.46,1,none,0,213,1,commercial_bank,3962.0,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2025,rural,male,38,35-44,lowest,secondary,farmer,19.94,7,none,0,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,male,42,35-44,fourth,none,employed_formal,1435.46,10,none,1,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,male,58,55+,fourth,secondary,employed_informal,622.13,3,good,1,701,1,family_friends,5020.79,guarantor,education,1,4135.53,0.021,18,234.6,defaulted,not_applicable,high_burden
Senegal,2019,urban,male,32,25-34,lowest,secondary,unemployed,20.64,1,limited,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,urban,male,69,55+,lowest,tertiary,employed_informal,139.14,1,none,0,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,48,45-54,fourth,none,self_employed,224.07,5,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,female,52,45-54,fourth,secondary,farmer,1141.65,8,none,1,676,1,microfinance,21160.67,guarantor,asset_purchase,1,17025.5,0.363,12,1933.49,current,not_applicable,high_burden
Uganda,2025,rural,male,62,55+,lowest,primary,self_employed,39.66,9,good,0,526,1,family_friends,3331.82,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2020,urban,female,43,35-44,lowest,primary,unemployed,86.74,1,limited,0,453,1,informal_lender,5795.55,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Tanzania,2019,urban,male,27,25-34,fourth,secondary,farmer,331.73,3,none,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,urban,male,46,45-54,second,secondary,unemployed,156.47,3,good,0,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,male,21,18-24,highest,none,self_employed,2577.77,1,limited,0,834,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,male,48,45-54,second,secondary,self_employed,225.4,7,none,1,270,1,family_friends,2943.6,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2022,rural,male,20,18-24,highest,secondary,self_employed,992.58,2,excellent,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,male,42,35-44,middle,primary,farmer,896.85,8,excellent,1,363,1,informal_lender,2784.7,savings,agriculture,1,2352.79,0.812,12,355.27,late_60_days,not_applicable,high_burden
Mozambique,2020,rural,male,50,45-54,second,secondary,employed_formal,61.84,10,limited,0,94,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,male,43,35-44,middle,secondary,self_employed,119.0,7,good,0,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,female,20,18-24,middle,primary,self_employed,362.93,1,excellent,0,676,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,female,37,35-44,highest,secondary,farmer,649.78,2,none,1,441,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,urban,female,49,45-54,lowest,primary,farmer,55.94,3,none,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,urban,female,24,18-24,second,primary,employed_formal,259.25,10,none,1,281,1,microfinance,5621.23,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2023,urban,female,56,55+,middle,tertiary,farmer,180.85,5,none,1,0,1,family_friends,3655.63,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2021,rural,female,49,45-54,highest,secondary,self_employed,323.17,3,none,1,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,rural,female,60,55+,lowest,primary,self_employed,18.17,3,limited,1,242,1,family_friends,1823.81,savings,agriculture,1,1715.46,0.065,24,76.15,current,not_applicable,high_burden
Ghana,2020,rural,female,34,25-34,middle,primary,unemployed,183.48,4,none,1,502,1,microfinance,4767.28,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2019,rural,female,56,55+,lowest,secondary,employed_formal,27.74,9,limited,0,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,rural,female,56,55+,middle,secondary,employed_informal,141.05,3,none,0,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,male,37,35-44,highest,secondary,self_employed,542.13,9,good,1,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2019,urban,female,46,45-54,fourth,primary,employed_formal,617.72,10,limited,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,rural,female,18,18-24,fourth,none,self_employed,153.44,6,limited,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,female,33,25-34,highest,tertiary,farmer,628.07,2,limited,1,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,rural,male,63,55+,second,secondary,employed_informal,119.83,2,none,1,0,1,informal_lender,8877.15,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Nigeria,2022,urban,male,48,45-54,fourth,primary,employed_formal,307.97,5,none,1,16,1,digital_lender,1963.05,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2021,rural,female,27,25-34,lowest,none,employed_informal,28.64,2,limited,0,125,1,informal_lender,1414.36,guarantor,business,1,1276.79,0.814,6,385.93,late_30_days,not_applicable,high_burden
Mali,2018,rural,female,59,55+,fourth,none,employed_informal,407.78,5,limited,1,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2022,rural,male,51,45-54,middle,secondary,self_employed,473.66,2,none,0,0,1,informal_lender,5965.58,none,consumption,1,5704.33,0.769,6,1681.38,late_60_days,not_applicable,high_burden
Mozambique,2020,rural,female,36,35-44,fourth,tertiary,self_employed,804.49,5,excellent,0,850,1,informal_lender,2557.96,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Tanzania,2025,rural,female,60,55+,second,secondary,self_employed,189.56,10,none,1,434,1,family_friends,3658.19,property,business,1,2935.19,0.059,24,129.55,current,not_applicable,high_burden
Niger,2024,rural,male,56,55+,highest,primary,employed_informal,974.66,10,limited,0,113,1,family_friends,5706.61,savings,housing,1,5342.92,0.069,18,317.29,current,not_applicable,high_burden
Nigeria,2018,urban,female,54,45-54,middle,primary,farmer,310.17,10,limited,0,758,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,rural,female,23,18-24,middle,primary,farmer,107.79,4,none,0,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,urban,male,19,18-24,highest,secondary,employed_informal,1162.77,2,good,1,477,1,commercial_bank,23852.82,savings,asset_purchase,1,23231.44,0.201,18,1549.71,paid_off,not_applicable,high_burden
Tanzania,2021,urban,female,31,25-34,lowest,secondary,employed_informal,94.69,5,none,1,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,female,26,25-34,lowest,none,self_employed,249.22,2,good,1,787,1,microfinance,2331.76,property,consumption,1,2126.45,0.337,24,118.43,current,not_applicable,high_burden
South Africa,2025,urban,female,19,18-24,fourth,secondary,farmer,487.31,5,limited,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,male,19,18-24,highest,none,self_employed,618.55,3,none,0,547,1,digital_lender,8912.34,none,education,1,8827.16,0.462,12,1075.43,current,not_applicable,high_burden
Uganda,2019,urban,female,63,55+,highest,secondary,employed_informal,656.31,4,limited,1,779,1,family_friends,12595.45,none,consumption,1,12115.91,0.016,12,1025.37,late_30_days,not_applicable,high_burden
Mali,2020,urban,male,64,55+,second,tertiary,unemployed,143.65,1,excellent,1,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,female,60,55+,middle,primary,employed_informal,157.54,1,none,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,female,34,25-34,fourth,secondary,self_employed,361.03,8,good,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,61,55+,fourth,secondary,farmer,424.32,9,none,1,251,1,family_friends,5647.8,guarantor,consumption,1,5361.48,0.041,18,310.04,current,not_applicable,high_burden
Rwanda,2018,urban,female,64,55+,middle,primary,self_employed,253.29,10,limited,1,837,1,informal_lender,3542.13,none,education,1,3151.56,0.77,48,116.23,current,not_applicable,high_burden
Nigeria,2023,rural,female,54,45-54,highest,none,employed_informal,1745.18,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,rural,male,19,18-24,fourth,secondary,farmer,254.48,2,none,0,674,1,informal_lender,4009.21,property,agriculture,1,3212.22,0.772,24,237.17,paid_off,not_applicable,high_burden
Rwanda,2020,urban,female,38,35-44,second,secondary,employed_informal,236.88,7,none,0,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2022,urban,male,63,55+,second,none,unemployed,67.06,1,limited,1,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,female,41,35-44,highest,tertiary,employed_informal,254.75,7,none,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,female,30,25-34,lowest,primary,self_employed,18.67,1,limited,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,rural,male,29,25-34,middle,none,unemployed,80.05,1,limited,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,rural,male,28,25-34,lowest,secondary,employed_informal,39.37,7,none,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,female,23,18-24,fourth,primary,employed_informal,886.64,9,none,0,404,1,informal_lender,4795.76,none,business,1,4064.08,0.752,18,395.55,current,not_applicable,high_burden
Niger,2025,rural,male,39,35-44,fourth,none,self_employed,934.17,10,none,1,96,1,digital_lender,4541.6,guarantor,agriculture,1,4080.26,0.443,6,981.25,late_30_days,not_applicable,high_burden
Ghana,2019,rural,male,65,55+,fourth,primary,unemployed,110.32,1,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,female,39,35-44,highest,primary,self_employed,374.88,6,excellent,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,46,45-54,second,none,employed_formal,384.15,10,limited,1,493,1,digital_lender,6191.97,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Kenya,2024,rural,male,25,18-24,lowest,secondary,self_employed,30.42,7,good,0,538,1,family_friends,1295.22,none,asset_purchase,1,1055.86,0.093,18,64.14,late_60_days,not_applicable,high_burden
Zambia,2018,rural,male,36,35-44,lowest,primary,employed_informal,50.49,4,none,1,183,1,microfinance,544.9,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Zambia,2024,rural,female,65,55+,lowest,none,self_employed,40.74,2,limited,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,rural,male,60,55+,second,primary,employed_informal,65.66,10,limited,0,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,44,35-44,lowest,primary,employed_informal,24.54,7,limited,1,712,1,commercial_bank,1398.06,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2021,urban,female,53,45-54,highest,primary,unemployed,3475.99,2,good,0,815,1,microfinance,10163.99,none,business,1,9531.12,0.314,12,1043.27,paid_off,not_applicable,high_burden
Senegal,2024,rural,male,37,35-44,lowest,primary,employed_informal,34.11,2,none,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,male,23,18-24,second,secondary,employed_informal,160.24,2,none,1,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,female,22,18-24,second,tertiary,self_employed,218.59,1,none,0,225,1,informal_lender,6822.7,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2020,urban,female,67,55+,middle,secondary,employed_informal,361.48,2,limited,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,50,45-54,highest,tertiary,self_employed,2954.67,2,limited,1,390,1,digital_lender,12058.93,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mozambique,2024,rural,male,19,18-24,lowest,secondary,unemployed,38.22,3,none,1,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2024,urban,male,62,55+,lowest,secondary,self_employed,93.69,7,good,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2020,urban,female,45,35-44,highest,tertiary,unemployed,390.59,4,none,1,817,1,commercial_bank,9581.0,guarantor,emergency,1,7820.07,0.177,36,255.7,current,not_applicable,high_burden
Zambia,2024,rural,male,39,35-44,second,secondary,farmer,193.67,9,excellent,0,850,1,family_friends,6169.87,equipment,consumption,1,5749.63,0.069,12,512.29,paid_off,not_applicable,high_burden
Rwanda,2024,urban,male,23,18-24,second,primary,self_employed,152.84,7,limited,1,239,1,family_friends,1618.75,guarantor,housing,1,1497.27,0.1,18,91.47,paid_off,not_applicable,high_burden
DRC,2023,rural,male,63,55+,lowest,secondary,employed_formal,70.86,5,none,0,486,1,digital_lender,24708.06,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2020,rural,male,62,55+,middle,none,farmer,423.92,7,none,1,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,female,68,55+,lowest,secondary,self_employed,106.71,6,none,0,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,urban,female,25,18-24,second,primary,employed_informal,91.31,2,limited,0,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,rural,male,66,55+,middle,primary,farmer,148.76,10,limited,0,499,1,digital_lender,3783.43,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Malawi,2025,rural,male,55,45-54,middle,none,employed_informal,185.33,6,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,female,36,35-44,middle,primary,self_employed,286.63,2,none,0,615,1,microfinance,3196.59,property,business,1,2994.15,0.32,18,219.52,current,not_applicable,high_burden
DRC,2022,rural,female,19,18-24,lowest,secondary,unemployed,88.83,6,none,1,63,1,commercial_bank,1327.06,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Zambia,2019,rural,male,57,55+,fourth,primary,employed_formal,655.43,10,none,0,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,rural,female,31,25-34,middle,primary,employed_formal,189.33,6,none,0,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,urban,female,50,45-54,lowest,secondary,self_employed,50.27,1,limited,0,420,1,informal_lender,1122.64,savings,business,1,1083.75,0.793,48,40.49,defaulted,not_applicable,high_burden
Malawi,2020,urban,male,41,35-44,fourth,primary,employed_formal,448.55,5,good,1,300,1,informal_lender,6803.13,none,agriculture,1,5594.34,0.769,36,274.97,late_30_days,not_applicable,high_burden
Senegal,2023,rural,male,64,55+,highest,tertiary,employed_formal,2312.77,6,good,0,850,1,family_friends,9646.92,none,business,1,7727.26,0.041,18,446.7,late_30_days,not_applicable,high_burden
DRC,2019,rural,female,40,35-44,fourth,secondary,farmer,440.22,4,none,1,326,1,commercial_bank,5892.41,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Uganda,2021,urban,female,18,18-24,fourth,primary,self_employed,232.53,8,good,0,807,1,family_friends,7286.1,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2019,rural,female,46,45-54,lowest,none,employed_formal,40.3,6,good,0,556,1,digital_lender,597.4,property,business,1,567.02,0.426,12,67.37,current,not_applicable,high_burden
Kenya,2024,rural,female,19,18-24,fourth,secondary,self_employed,779.05,8,good,0,718,1,employer,8340.33,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Kenya,2021,rural,male,41,35-44,second,secondary,self_employed,78.6,1,none,0,636,1,digital_lender,2938.92,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Ethiopia,2023,rural,female,58,55+,second,primary,farmer,92.57,10,limited,1,628,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2022,urban,female,21,18-24,fourth,primary,self_employed,842.88,6,excellent,1,340,1,family_friends,10694.95,guarantor,housing,1,8783.71,0.074,6,1572.81,current,not_applicable,high_burden
Zambia,2024,urban,female,38,35-44,fourth,tertiary,employed_formal,384.62,4,limited,0,544,1,microfinance,7623.81,property,agriculture,1,7443.49,0.367,12,848.0,current,not_applicable,high_burden
Niger,2025,rural,female,26,25-34,highest,secondary,farmer,442.9,1,none,0,156,1,commercial_bank,16125.05,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2023,urban,male,51,45-54,middle,tertiary,self_employed,68.01,9,none,1,80,1,sacco,2812.93,guarantor,business,1,2425.75,0.338,36,90.13,late_30_days,not_applicable,high_burden
Senegal,2022,urban,male,59,55+,lowest,primary,employed_formal,84.65,5,none,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,56,55+,highest,secondary,self_employed,580.42,2,none,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,female,31,25-34,lowest,tertiary,farmer,138.93,10,limited,0,792,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,30,25-34,highest,tertiary,employed_formal,1749.8,5,none,0,415,1,informal_lender,29273.1,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2021,urban,female,59,55+,second,secondary,self_employed,228.36,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2018,urban,male,24,18-24,highest,primary,farmer,1160.54,6,good,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2021,urban,male,28,25-34,fourth,secondary,self_employed,314.0,3,none,1,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2023,urban,female,19,18-24,second,secondary,employed_informal,344.32,7,limited,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,male,47,45-54,fourth,primary,unemployed,678.03,1,good,1,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,female,57,55+,middle,none,employed_informal,133.86,2,limited,0,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2020,urban,female,48,45-54,second,primary,unemployed,114.52,1,none,1,565,1,family_friends,7780.93,equipment,agriculture,1,7716.03,0.068,24,343.38,paid_off,not_applicable,high_burden
Malawi,2025,urban,female,50,45-54,fourth,secondary,farmer,826.49,7,good,1,302,1,family_friends,7625.48,property,education,1,6849.67,0.03,6,1175.73,defaulted,not_applicable,high_burden
Mali,2019,rural,female,31,25-34,second,tertiary,farmer,178.65,4,none,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2021,rural,male,25,18-24,second,primary,self_employed,100.2,3,none,1,138,1,sacco,5640.93,equipment,emergency,1,5365.72,0.281,24,286.43,current,not_applicable,high_burden
Zambia,2025,urban,female,35,25-34,fourth,secondary,farmer,1354.69,7,none,1,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,female,35,25-34,lowest,secondary,farmer,38.98,3,limited,1,57,1,informal_lender,780.02,property,emergency,1,733.21,0.81,24,55.3,paid_off,not_applicable,high_burden
Malawi,2018,urban,female,19,18-24,lowest,secondary,employed_informal,31.19,7,limited,1,517,1,digital_lender,591.77,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mozambique,2020,rural,female,67,55+,lowest,primary,employed_informal,51.98,4,excellent,1,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2025,rural,male,45,35-44,highest,tertiary,employed_formal,474.49,8,none,0,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,urban,female,41,35-44,lowest,none,farmer,188.63,1,good,1,574,1,informal_lender,2881.19,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2021,urban,male,35,25-34,fourth,primary,employed_informal,168.56,8,limited,0,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,urban,male,53,45-54,lowest,none,employed_formal,167.35,8,none,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,female,29,25-34,highest,secondary,unemployed,516.66,6,good,1,265,1,commercial_bank,4434.26,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2023,urban,male,66,55+,fourth,primary,self_employed,412.22,9,none,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,female,30,25-34,fourth,tertiary,employed_formal,800.43,8,limited,1,522,1,sacco,3463.53,equipment,education,1,3081.12,0.35,36,115.55,current,not_applicable,high_burden
Ghana,2023,urban,female,53,45-54,second,secondary,unemployed,560.47,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,male,32,25-34,lowest,primary,farmer,20.37,7,limited,1,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,male,18,18-24,fourth,primary,employed_informal,157.29,6,good,1,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,female,45,35-44,fourth,secondary,farmer,446.77,8,none,0,636,1,family_friends,4840.42,none,asset_purchase,1,4466.96,0.017,18,252.48,current,not_applicable,high_burden
Mali,2023,rural,male,33,25-34,middle,primary,employed_informal,141.61,2,limited,1,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,rural,female,52,45-54,second,secondary,employed_formal,192.32,10,limited,1,848,1,sacco,3961.95,none,asset_purchase,1,3452.74,0.333,24,191.74,current,not_applicable,high_burden
DRC,2024,rural,female,42,35-44,highest,secondary,farmer,674.58,2,limited,1,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2023,rural,male,54,45-54,lowest,primary,employed_informal,24.58,9,none,1,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2022,rural,male,43,35-44,fourth,secondary,self_employed,236.48,1,none,1,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,rural,female,35,25-34,middle,secondary,farmer,148.03,1,none,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,urban,female,40,35-44,fourth,none,employed_formal,385.77,10,limited,1,163,1,microfinance,8382.35,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2025,urban,male,32,25-34,highest,tertiary,self_employed,456.71,10,none,0,492,1,family_friends,14265.16,savings,business,1,13777.95,0.009,36,386.03,current,not_applicable,high_burden
Niger,2018,rural,female,65,55+,highest,primary,self_employed,1157.46,10,none,1,720,1,commercial_bank,14455.27,guarantor,business,1,12057.61,0.153,12,1159.01,late_30_days,not_applicable,high_burden
Nigeria,2020,rural,female,18,18-24,fourth,primary,farmer,452.58,4,none,1,300,1,informal_lender,8586.86,none,business,1,8568.28,0.77,6,2527.0,late_60_days,not_applicable,high_burden
Nigeria,2025,urban,male,19,18-24,middle,primary,farmer,1622.42,9,limited,1,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2025,rural,male,59,55+,middle,primary,farmer,130.51,1,none,0,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2018,rural,male,39,35-44,lowest,secondary,unemployed,55.84,1,none,0,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,45,35-44,fourth,none,farmer,130.02,7,limited,1,128,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2021,rural,female,60,55+,second,primary,farmer,105.11,5,none,0,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2018,rural,male,57,55+,second,tertiary,employed_informal,28.69,3,limited,1,404,1,commercial_bank,2425.71,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Ethiopia,2020,urban,female,62,55+,highest,none,employed_formal,620.64,10,limited,1,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,male,37,35-44,lowest,primary,employed_informal,239.96,3,excellent,0,670,1,sacco,4369.97,property,agriculture,1,3558.83,0.275,18,252.15,current,not_applicable,high_burden
Mali,2024,rural,female,21,18-24,lowest,none,unemployed,74.67,1,good,0,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,female,40,35-44,lowest,primary,employed_informal,40.22,10,none,1,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,female,53,45-54,middle,primary,employed_informal,178.56,2,none,0,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,male,21,18-24,fourth,primary,unemployed,1996.43,5,excellent,1,781,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,urban,male,25,18-24,lowest,tertiary,employed_informal,54.37,1,limited,1,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,rural,female,45,35-44,middle,secondary,self_employed,110.01,9,good,1,816,1,sacco,5171.68,none,business,1,4837.31,0.334,12,537.84,current,not_applicable,high_burden
Uganda,2020,urban,male,46,45-54,highest,secondary,unemployed,967.84,1,good,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2022,urban,male,27,25-34,middle,primary,farmer,360.0,3,none,1,133,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2018,rural,female,35,25-34,highest,secondary,farmer,1397.5,9,good,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,female,31,25-34,lowest,none,employed_formal,86.43,5,limited,0,72,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2019,rural,female,63,55+,middle,secondary,employed_informal,154.76,5,good,0,687,1,family_friends,2864.02,property,housing,1,2719.33,0.014,18,153.21,current,not_applicable,high_burden
Ethiopia,2022,urban,female,40,35-44,second,primary,farmer,151.46,6,good,1,850,1,commercial_bank,1253.13,guarantor,business,1,1076.67,0.196,24,53.65,late_30_days,not_applicable,high_burden
Malawi,2018,urban,male,30,25-34,second,tertiary,employed_informal,279.32,9,limited,1,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,rural,male,31,25-34,middle,primary,unemployed,676.76,5,limited,0,466,1,employer,1640.07,equipment,emergency,1,1472.73,0.054,12,129.4,late_30_days,not_applicable,high_burden
Niger,2021,rural,male,37,35-44,highest,primary,employed_formal,992.42,10,good,0,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2018,urban,male,48,45-54,second,secondary,self_employed,217.63,10,limited,0,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,rural,male,28,25-34,fourth,secondary,employed_informal,215.74,9,none,0,531,1,family_friends,4146.26,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
DRC,2022,urban,female,69,55+,middle,secondary,farmer,446.42,4,limited,1,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2023,urban,female,69,55+,second,none,employed_formal,75.25,9,none,0,432,1,microfinance,3450.16,savings,emergency,1,3189.29,0.282,6,681.63,paid_off,not_applicable,high_burden
DRC,2018,rural,female,45,35-44,middle,secondary,self_employed,342.94,7,none,0,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,urban,female,55,45-54,highest,secondary,self_employed,592.17,4,none,1,267,1,microfinance,4221.65,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Senegal,2022,rural,female,33,25-34,second,secondary,farmer,71.52,5,good,1,215,1,digital_lender,1021.74,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Uganda,2024,rural,female,24,18-24,middle,primary,employed_informal,129.62,5,none,1,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,female,35,25-34,lowest,primary,self_employed,125.19,4,good,0,732,1,informal_lender,2741.77,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2020,rural,male,49,45-54,fourth,none,farmer,309.58,1,none,0,619,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,rural,female,57,55+,fourth,none,farmer,289.96,7,none,1,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,female,21,18-24,highest,secondary,unemployed,851.47,6,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,male,67,55+,lowest,secondary,farmer,41.99,5,none,1,445,1,sacco,2349.0,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Malawi,2022,rural,female,33,25-34,fourth,none,unemployed,453.53,6,none,1,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,urban,male,69,55+,fourth,none,self_employed,161.16,7,limited,0,825,1,digital_lender,1601.41,property,housing,1,1350.4,0.464,24,82.39,current,not_applicable,high_burden
Uganda,2025,urban,female,62,55+,lowest,secondary,self_employed,107.47,6,limited,0,810,1,sacco,4102.65,savings,business,1,3716.34,0.272,24,196.9,current,not_applicable,high_burden
Niger,2018,urban,female,56,55+,second,secondary,unemployed,114.26,2,none,0,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,female,68,55+,fourth,secondary,self_employed,279.68,7,none,0,119,1,informal_lender,8038.93,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Rwanda,2023,rural,female,63,55+,lowest,primary,farmer,82.89,2,none,1,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,44,35-44,middle,none,self_employed,282.71,1,good,0,659,1,informal_lender,10795.09,guarantor,housing,1,9369.77,0.771,18,921.64,paid_off,not_applicable,high_burden
Ethiopia,2023,urban,male,69,55+,lowest,primary,farmer,91.82,5,good,0,553,1,digital_lender,1917.74,guarantor,business,1,1863.56,0.425,12,221.22,late_60_days,not_applicable,high_burden
Nigeria,2022,urban,male,41,35-44,lowest,secondary,self_employed,47.69,8,limited,1,207,1,sacco,2127.57,vehicle,consumption,1,1990.9,0.306,24,108.38,defaulted,not_applicable,high_burden
Nigeria,2020,urban,male,50,45-54,middle,secondary,farmer,357.54,2,none,0,53,1,family_friends,3648.47,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Senegal,2020,urban,male,19,18-24,lowest,secondary,farmer,64.04,3,limited,1,669,1,informal_lender,1458.3,property,agriculture,1,1329.67,0.752,18,129.38,late_30_days,not_applicable,high_burden
Mozambique,2020,urban,female,31,25-34,second,none,employed_formal,147.0,7,excellent,0,276,1,family_friends,2848.06,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Tanzania,2018,rural,female,38,35-44,fourth,secondary,employed_informal,555.65,5,none,0,298,1,family_friends,6034.52,vehicle,business,1,5337.05,0.059,6,941.96,current,not_applicable,high_burden
Nigeria,2021,rural,male,54,45-54,second,primary,employed_formal,96.8,5,none,1,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,male,38,35-44,fourth,primary,farmer,1399.96,4,limited,1,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,urban,male,38,35-44,second,secondary,farmer,313.15,8,limited,0,481,1,sacco,4222.27,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2019,rural,female,32,25-34,lowest,tertiary,employed_informal,117.48,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,rural,male,49,45-54,lowest,none,employed_informal,13.75,3,none,0,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,27,25-34,lowest,secondary,employed_informal,63.39,6,limited,1,308,1,digital_lender,1997.54,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Mali,2018,rural,female,40,35-44,lowest,secondary,employed_formal,66.13,10,good,0,801,1,family_friends,1724.55,none,education,1,1511.85,0.002,18,84.17,paid_off,not_applicable,high_burden
Tanzania,2025,rural,female,38,35-44,second,secondary,self_employed,50.47,3,limited,1,339,1,microfinance,2874.7,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2018,urban,male,65,55+,second,tertiary,employed_formal,131.34,6,limited,0,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2023,urban,female,43,35-44,second,secondary,self_employed,175.31,2,none,1,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,urban,female,48,45-54,highest,primary,unemployed,1213.88,3,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2022,urban,female,42,35-44,highest,primary,employed_informal,3195.35,6,none,0,107,1,family_friends,22072.28,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Nigeria,2023,rural,male,61,55+,middle,none,employed_informal,134.5,7,limited,1,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2020,rural,male,46,45-54,middle,secondary,employed_formal,140.39,10,excellent,0,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2025,rural,male,61,55+,lowest,none,unemployed,60.77,2,good,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,68,55+,fourth,secondary,employed_formal,298.92,10,none,1,0,1,commercial_bank,2970.68,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2020,rural,female,41,35-44,lowest,none,unemployed,105.57,6,none,1,510,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,female,59,55+,highest,primary,self_employed,295.4,5,good,1,577,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2021,urban,female,50,45-54,highest,primary,farmer,3480.22,6,limited,0,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2021,urban,male,35,25-34,highest,none,farmer,3117.62,7,good,1,850,1,informal_lender,16260.86,none,agriculture,1,15227.42,0.774,12,2251.02,late_30_days,not_applicable,high_burden
Uganda,2019,rural,female,67,55+,lowest,primary,employed_informal,43.6,1,excellent,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2021,rural,male,31,25-34,fourth,primary,employed_formal,598.01,10,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,male,30,25-34,middle,primary,farmer,458.59,4,none,0,534,1,microfinance,5480.52,savings,asset_purchase,1,5143.83,0.287,12,551.75,late_30_days,not_applicable,high_burden
Kenya,2022,rural,female,47,45-54,fourth,none,self_employed,1009.92,3,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2019,urban,male,51,45-54,highest,primary,employed_informal,370.91,2,none,0,579,1,digital_lender,4565.5,none,consumption,1,3678.68,0.446,12,443.32,current,not_applicable,high_burden
Ethiopia,2021,urban,female,40,35-44,lowest,tertiary,farmer,220.07,5,excellent,0,322,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2022,urban,male,48,45-54,fourth,none,employed_informal,3172.21,6,limited,0,338,1,family_friends,6418.16,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Uganda,2025,urban,female,64,55+,lowest,tertiary,employed_formal,122.79,10,limited,0,68,1,digital_lender,2978.27,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Niger,2018,rural,male,56,55+,middle,primary,employed_formal,393.89,9,limited,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2023,urban,male,61,55+,second,secondary,farmer,72.68,10,none,0,623,1,family_friends,3357.0,guarantor,agriculture,1,2816.97,0.044,18,163.37,current,not_applicable,high_burden
Senegal,2022,rural,female,41,35-44,fourth,primary,self_employed,385.48,7,limited,1,419,1,commercial_bank,2781.83,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2021,rural,female,32,25-34,second,tertiary,self_employed,156.03,7,none,0,590,1,family_friends,1858.95,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
DRC,2024,urban,male,36,35-44,middle,secondary,employed_formal,217.26,4,good,0,850,1,family_friends,1701.34,none,consumption,1,1479.08,0.051,36,43.17,late_60_days,not_applicable,high_burden
Mozambique,2025,rural,female,60,55+,middle,none,farmer,339.17,2,none,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,rural,female,54,45-54,lowest,none,self_employed,37.0,4,good,0,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,rural,female,35,25-34,second,primary,self_employed,162.48,6,none,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,urban,male,35,25-34,fourth,tertiary,employed_informal,1090.94,1,limited,1,46,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,rural,male,31,25-34,lowest,none,employed_formal,41.5,8,good,1,111,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,urban,female,57,55+,second,tertiary,unemployed,102.72,6,excellent,0,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,urban,male,21,18-24,fourth,primary,employed_informal,922.38,4,none,0,414,1,microfinance,12381.15,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2018,rural,male,40,35-44,middle,none,self_employed,166.13,8,limited,0,489,1,microfinance,4345.3,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2018,rural,male,58,55+,middle,tertiary,farmer,278.7,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2020,rural,female,18,18-24,second,secondary,employed_informal,159.14,10,none,0,594,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,male,66,55+,second,secondary,self_employed,57.52,3,none,0,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,rural,female,31,25-34,lowest,primary,farmer,43.1,3,good,1,850,1,sacco,1662.26,guarantor,consumption,1,1450.62,0.307,18,105.36,late_30_days,not_applicable,high_burden
Niger,2022,urban,female,24,18-24,second,secondary,self_employed,54.76,9,limited,1,502,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2021,urban,female,26,25-34,middle,secondary,unemployed,270.77,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2019,rural,female,48,45-54,middle,none,farmer,207.27,6,limited,0,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,50,45-54,highest,tertiary,unemployed,310.5,2,limited,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2024,urban,female,45,35-44,highest,primary,self_employed,537.8,6,none,1,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2019,urban,male,44,35-44,lowest,none,farmer,47.8,10,limited,0,757,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,male,33,25-34,second,secondary,unemployed,28.31,1,limited,0,357,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2025,rural,male,26,25-34,fourth,none,self_employed,402.3,7,limited,1,814,1,digital_lender,4928.84,property,emergency,1,4717.1,0.445,12,568.03,paid_off,not_applicable,high_burden
Ghana,2024,rural,female,68,55+,fourth,primary,self_employed,1406.44,4,good,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,male,23,18-24,highest,primary,self_employed,473.38,3,none,1,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2020,urban,female,22,18-24,second,primary,unemployed,141.69,5,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2018,urban,female,18,18-24,middle,tertiary,farmer,574.15,2,good,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2019,rural,male,60,55+,fourth,secondary,self_employed,250.29,8,none,1,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,male,46,45-54,fourth,secondary,employed_formal,1204.34,5,none,0,158,1,informal_lender,8065.63,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
South Africa,2025,urban,female,27,25-34,lowest,tertiary,self_employed,107.7,10,none,1,409,1,commercial_bank,2476.47,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2023,rural,male,49,45-54,highest,primary,employed_informal,1131.6,4,none,0,31,1,sacco,10757.39,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
DRC,2025,rural,female,66,55+,highest,primary,employed_informal,924.68,10,good,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,male,45,35-44,middle,secondary,self_employed,302.72,10,good,0,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,24,18-24,lowest,primary,employed_informal,110.95,7,none,0,438,1,commercial_bank,1532.41,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2025,urban,male,44,35-44,middle,primary,unemployed,274.47,1,none,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2020,urban,male,55,45-54,lowest,secondary,farmer,59.66,7,limited,0,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2018,urban,female,62,55+,highest,tertiary,employed_informal,706.49,7,none,0,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2024,urban,male,68,55+,fourth,secondary,self_employed,550.26,6,limited,1,657,1,commercial_bank,1932.77,none,consumption,1,1756.39,0.164,12,170.4,current,not_applicable,high_burden
Malawi,2023,rural,male,54,45-54,second,none,employed_informal,306.64,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2020,rural,male,54,45-54,lowest,secondary,employed_formal,176.36,7,none,1,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2025,rural,female,30,25-34,lowest,tertiary,employed_formal,42.25,9,none,0,639,1,informal_lender,8677.6,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2024,rural,male,37,35-44,lowest,primary,self_employed,30.04,8,good,1,391,1,commercial_bank,1496.22,none,business,1,1204.57,0.163,12,116.75,current,not_applicable,high_burden
Ethiopia,2025,rural,male,52,45-54,highest,tertiary,self_employed,525.28,8,limited,0,850,1,family_friends,9227.28,savings,business,1,8189.66,0.09,24,372.02,defaulted,not_applicable,high_burden
Senegal,2024,rural,female,25,18-24,second,primary,self_employed,309.24,2,limited,0,848,1,sacco,5403.28,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Ethiopia,2018,rural,female,20,18-24,second,tertiary,farmer,51.72,6,none,1,714,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,female,43,35-44,lowest,secondary,self_employed,153.1,5,limited,0,350,1,commercial_bank,3203.45,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2025,rural,male,68,55+,middle,tertiary,farmer,267.01,8,none,0,627,1,microfinance,17726.93,savings,consumption,1,16392.22,0.34,12,1830.74,late_30_days,not_applicable,high_burden
DRC,2019,rural,female,55,45-54,highest,none,employed_informal,265.59,5,none,0,575,1,informal_lender,4379.36,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ghana,2024,rural,male,44,35-44,second,primary,employed_informal,50.45,9,none,0,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,rural,male,31,25-34,second,primary,farmer,261.84,1,good,0,250,1,digital_lender,7685.95,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2018,urban,female,34,25-34,fourth,tertiary,farmer,675.54,6,limited,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2022,urban,female,66,55+,middle,primary,self_employed,344.77,10,none,0,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,male,66,55+,lowest,secondary,farmer,72.15,7,good,1,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,female,62,55+,highest,primary,self_employed,458.46,7,limited,0,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2020,rural,female,54,45-54,middle,secondary,employed_informal,574.51,10,none,1,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2019,urban,male,69,55+,second,tertiary,farmer,115.58,4,none,0,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2021,rural,female,19,18-24,fourth,none,farmer,57.52,10,excellent,1,593,1,commercial_bank,3163.07,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Kenya,2019,urban,female,49,45-54,highest,none,self_employed,344.48,3,none,0,475,1,family_friends,5229.82,none,emergency,1,4726.57,0.057,6,832.52,defaulted,not_applicable,high_burden
Tanzania,2021,urban,male,26,25-34,middle,tertiary,employed_informal,530.11,8,limited,0,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2022,urban,female,53,45-54,fourth,none,farmer,790.21,3,good,0,259,1,family_friends,6475.77,savings,asset_purchase,1,6056.33,0.049,12,529.24,current,not_applicable,high_burden
Ghana,2020,rural,male,23,18-24,highest,primary,self_employed,359.11,6,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,urban,male,31,25-34,lowest,secondary,employed_informal,246.22,4,none,0,210,1,microfinance,10105.23,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Tanzania,2021,urban,female,49,45-54,fourth,primary,unemployed,348.42,1,limited,0,125,1,family_friends,5683.2,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2023,urban,female,55,45-54,middle,secondary,farmer,201.99,9,none,1,222,1,digital_lender,5653.14,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2019,rural,female,53,45-54,lowest,primary,farmer,326.56,4,none,1,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,male,63,55+,second,secondary,employed_informal,82.27,4,good,1,850,1,digital_lender,1156.31,equipment,agriculture,1,1013.83,0.448,12,122.35,late_30_days,not_applicable,high_burden
Senegal,2024,urban,female,40,35-44,lowest,secondary,employed_informal,87.51,1,none,0,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,urban,female,19,18-24,middle,primary,self_employed,759.99,1,excellent,1,611,1,commercial_bank,3534.6,none,emergency,1,3433.94,0.165,6,666.53,defaulted,not_applicable,high_burden
Zambia,2024,rural,female,59,55+,middle,tertiary,farmer,134.07,1,none,1,166,1,commercial_bank,9243.75,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Senegal,2025,rural,female,34,25-34,lowest,primary,farmer,166.61,9,limited,1,444,1,digital_lender,4121.07,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
DRC,2018,urban,male,60,55+,second,none,self_employed,154.46,3,limited,1,479,1,microfinance,3733.48,none,education,1,3667.2,0.366,24,208.78,current,not_applicable,high_burden
South Africa,2021,urban,male,34,25-34,middle,secondary,unemployed,143.35,4,limited,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2024,rural,female,43,35-44,lowest,primary,self_employed,90.06,2,good,0,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2023,urban,male,57,55+,second,tertiary,self_employed,172.33,6,excellent,0,850,1,digital_lender,6090.66,guarantor,business,1,5323.73,0.477,6,1310.88,late_60_days,not_applicable,high_burden
Tanzania,2020,rural,female,67,55+,lowest,primary,self_employed,42.13,10,limited,1,849,1,family_friends,1477.53,savings,consumption,1,1325.66,0.069,36,39.36,paid_off,not_applicable,high_burden
Zambia,2025,urban,male,61,55+,second,tertiary,employed_formal,144.98,10,none,0,307,1,digital_lender,2611.71,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2025,rural,female,35,25-34,lowest,secondary,self_employed,27.14,6,excellent,0,850,1,family_friends,2076.42,none,agriculture,1,1722.16,0.018,18,97.43,late_30_days,not_applicable,high_burden
South Africa,2024,rural,male,68,55+,middle,none,employed_informal,305.93,6,none,1,310,1,informal_lender,9211.65,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2023,rural,male,61,55+,lowest,none,farmer,342.59,3,excellent,0,470,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,female,38,35-44,second,primary,employed_formal,130.38,5,none,0,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2019,rural,male,40,35-44,lowest,secondary,self_employed,24.85,2,good,1,282,1,commercial_bank,2281.83,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Mali,2020,urban,male,44,35-44,middle,tertiary,unemployed,974.0,1,good,0,755,1,digital_lender,20421.87,savings,housing,1,20357.89,0.497,12,2539.63,current,not_applicable,high_burden
DRC,2020,urban,male,33,25-34,fourth,primary,unemployed,693.21,4,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2025,urban,female,50,45-54,second,secondary,employed_informal,212.66,9,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2020,urban,female,23,18-24,highest,none,employed_informal,661.94,5,none,0,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2018,rural,female,34,25-34,second,primary,employed_informal,88.65,3,limited,0,795,1,digital_lender,6652.22,none,emergency,1,6295.92,0.413,18,494.17,late_30_days,not_applicable,high_burden
South Africa,2024,urban,male,24,18-24,highest,none,farmer,2469.03,9,none,1,535,1,sacco,25864.43,property,business,1,23639.66,0.305,12,2571.27,current,not_applicable,high_burden
Ghana,2022,rural,male,47,45-54,fourth,primary,unemployed,150.13,2,excellent,0,441,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2025,rural,male,56,55+,second,none,employed_informal,85.24,1,good,0,757,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2022,urban,male,30,25-34,second,primary,employed_formal,125.99,6,none,0,253,1,digital_lender,644.33,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2018,urban,female,29,25-34,lowest,primary,employed_formal,62.68,6,limited,0,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,rural,female,28,25-34,highest,secondary,employed_formal,482.95,6,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,56,55+,middle,primary,employed_formal,174.57,8,none,0,369,1,family_friends,3126.67,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Zambia,2023,rural,female,69,55+,highest,secondary,employed_informal,411.31,1,limited,1,289,1,commercial_bank,25258.15,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2019,urban,male,55,45-54,second,none,unemployed,205.56,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2023,urban,female,64,55+,lowest,tertiary,self_employed,176.91,4,limited,1,197,1,sacco,8318.63,guarantor,agriculture,1,7639.8,0.294,6,1647.52,current,not_applicable,high_burden
Rwanda,2019,rural,female,63,55+,second,secondary,self_employed,33.58,4,none,1,159,1,digital_lender,1554.77,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Ghana,2022,urban,female,44,35-44,fourth,primary,employed_informal,2317.99,7,good,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,rural,male,42,35-44,second,primary,farmer,48.24,2,none,0,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,urban,female,32,25-34,second,secondary,unemployed,169.05,4,good,1,300,1,commercial_bank,3242.37,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2022,urban,male,29,25-34,fourth,primary,self_employed,993.85,10,limited,1,706,1,digital_lender,8621.12,savings,housing,1,7862.9,0.456,18,635.99,current,not_applicable,high_burden
Mozambique,2022,rural,male,49,45-54,middle,secondary,farmer,125.5,6,excellent,0,516,1,microfinance,5662.01,none,business,1,4746.14,0.286,6,1017.61,late_60_days,not_applicable,high_burden
Rwanda,2022,urban,female,26,25-34,fourth,tertiary,employed_informal,539.59,6,none,1,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2019,rural,male,51,45-54,middle,primary,employed_formal,83.9,4,limited,1,792,1,digital_lender,3834.25,savings,business,1,3102.29,0.459,12,377.18,current,not_applicable,high_burden
Niger,2021,rural,female,51,45-54,middle,primary,employed_informal,96.63,8,limited,0,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,rural,male,19,18-24,middle,none,employed_informal,151.79,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2019,urban,male,44,35-44,middle,none,employed_informal,284.76,5,none,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,male,24,18-24,fourth,none,self_employed,124.25,4,none,0,155,1,informal_lender,1247.43,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
DRC,2021,rural,female,64,55+,second,primary,self_employed,107.5,1,none,0,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,male,30,25-34,highest,none,self_employed,580.3,4,good,0,376,1,informal_lender,3655.07,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Mali,2023,urban,female,63,55+,middle,tertiary,farmer,164.88,1,limited,1,499,1,commercial_bank,8331.93,none,emergency,1,6826.2,0.185,12,673.85,current,not_applicable,high_burden
South Africa,2025,rural,female,62,55+,fourth,none,self_employed,478.3,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2018,rural,female,22,18-24,second,secondary,farmer,78.28,9,limited,0,488,1,microfinance,5346.7,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Zambia,2020,rural,female,35,25-34,lowest,primary,employed_informal,70.32,6,good,1,770,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2025,rural,male,40,35-44,lowest,secondary,employed_formal,54.47,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,urban,male,65,55+,fourth,primary,unemployed,410.22,6,none,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2023,rural,female,54,45-54,lowest,primary,employed_formal,100.35,7,none,0,137,1,digital_lender,4147.93,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Malawi,2019,rural,male,43,35-44,middle,none,self_employed,288.58,9,none,1,85,1,sacco,5572.15,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Kenya,2020,rural,male,59,55+,fourth,primary,unemployed,119.32,2,limited,0,307,1,employer,5096.76,guarantor,housing,1,4329.47,0.032,24,186.14,late_60_days,not_applicable,high_burden
Uganda,2019,urban,male,47,45-54,fourth,tertiary,farmer,293.1,9,limited,0,732,1,microfinance,6063.37,guarantor,education,1,4869.39,0.277,12,518.08,paid_off,not_applicable,high_burden
Nigeria,2020,urban,male,58,55+,middle,secondary,employed_informal,174.17,2,none,1,554,1,commercial_bank,1664.88,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Zambia,2018,rural,female,56,55+,highest,secondary,self_employed,603.5,1,none,1,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2023,rural,female,48,45-54,fourth,primary,employed_informal,23.44,5,none,1,358,1,microfinance,1636.18,guarantor,debt_consolidation,1,1431.77,0.306,6,311.66,defaulted,not_applicable,high_burden
Uganda,2021,urban,female,35,25-34,middle,primary,self_employed,122.27,7,none,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2025,rural,male,53,45-54,middle,primary,self_employed,764.97,6,excellent,1,435,1,digital_lender,3357.24,property,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
Malawi,2018,rural,male,53,45-54,lowest,tertiary,self_employed,46.81,3,limited,0,780,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,urban,female,31,25-34,highest,secondary,self_employed,3056.15,1,none,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,rural,male,19,18-24,lowest,tertiary,self_employed,47.89,4,limited,1,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Malawi,2024,rural,male,58,55+,second,primary,self_employed,172.68,8,limited,0,425,1,family_friends,3955.57,none,business,1,3713.75,0.009,36,104.12,paid_off,not_applicable,high_burden
Ethiopia,2021,rural,female,53,45-54,second,primary,self_employed,158.93,9,good,1,799,1,digital_lender,3746.53,property,debt_consolidation,1,3371.99,0.44,12,404.59,late_30_days,not_applicable,high_burden
Ghana,2020,urban,male,29,25-34,fourth,secondary,self_employed,227.77,3,good,1,774,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,female,20,18-24,fourth,tertiary,farmer,576.54,10,good,1,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,male,30,25-34,middle,tertiary,employed_formal,527.96,10,limited,1,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2018,urban,female,21,18-24,fourth,none,self_employed,694.71,3,limited,1,832,1,employer,19152.05,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Rwanda,2021,urban,male,62,55+,fourth,tertiary,employed_informal,99.08,10,none,1,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2025,rural,female,67,55+,lowest,secondary,employed_formal,41.33,4,good,0,778,1,microfinance,2044.58,none,business,1,1698.46,0.321,6,373.96,paid_off,not_applicable,high_burden
South Africa,2023,rural,male,60,55+,lowest,secondary,self_employed,116.35,7,limited,1,848,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2023,rural,female,60,55+,fourth,secondary,employed_informal,870.91,3,limited,0,801,1,family_friends,15745.37,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2019,rural,female,27,25-34,lowest,none,farmer,70.75,10,limited,0,201,1,microfinance,9169.29,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
Senegal,2020,rural,male,20,18-24,highest,none,self_employed,475.61,9,good,1,658,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2020,rural,male,60,55+,fourth,tertiary,employed_formal,282.5,10,none,0,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,rural,female,44,35-44,lowest,secondary,farmer,19.18,6,none,0,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Senegal,2020,urban,male,61,55+,fourth,none,employed_formal,2029.96,9,excellent,0,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2018,urban,male,54,45-54,lowest,none,employed_informal,128.79,2,none,1,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,female,40,35-44,lowest,primary,employed_informal,44.22,10,limited,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2022,urban,female,18,18-24,lowest,secondary,self_employed,91.31,10,none,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2018,urban,male,60,55+,middle,tertiary,self_employed,176.52,1,limited,1,433,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2023,urban,male,54,45-54,highest,secondary,farmer,668.65,1,limited,0,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2024,rural,male,39,35-44,fourth,none,self_employed,96.98,1,limited,1,803,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2024,rural,female,53,45-54,highest,primary,employed_informal,164.17,4,excellent,0,681,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,rural,male,35,25-34,fourth,primary,farmer,423.07,2,limited,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2024,urban,female,51,45-54,highest,primary,employed_informal,4130.73,2,none,1,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2024,urban,female,46,45-54,second,secondary,farmer,230.12,1,good,1,170,1,digital_lender,3802.76,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2023,rural,male,40,35-44,second,primary,farmer,88.67,8,limited,1,446,1,commercial_bank,2526.0,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mali,2020,urban,male,32,25-34,second,none,self_employed,222.99,6,none,0,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Nigeria,2021,rural,female,38,35-44,lowest,primary,farmer,49.09,3,none,0,202,1,informal_lender,4420.62,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,high_burden
South Africa,2023,urban,male,56,55+,fourth,none,farmer,191.59,6,none,1,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,urban,male,40,35-44,middle,primary,employed_informal,762.71,10,limited,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ethiopia,2018,rural,male,48,45-54,second,tertiary,employed_formal,169.27,10,good,0,452,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2023,urban,female,59,55+,second,primary,employed_informal,139.41,5,limited,1,52,1,digital_lender,9120.0,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Niger,2024,urban,male,22,18-24,middle,secondary,farmer,1055.88,8,limited,0,610,1,commercial_bank,14690.87,none,consumption,1,13899.96,0.228,6,2844.72,current,not_applicable,high_burden
Kenya,2023,urban,female,25,18-24,highest,primary,unemployed,1689.5,4,limited,0,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2020,rural,male,52,45-54,lowest,none,farmer,78.73,8,limited,0,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Kenya,2021,rural,female,19,18-24,lowest,secondary,employed_informal,38.21,7,none,1,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2024,rural,female,55,45-54,highest,primary,self_employed,503.99,2,none,1,622,1,commercial_bank,12814.49,guarantor,consumption,1,11693.57,0.207,18,783.89,current,not_applicable,high_burden
Zambia,2018,rural,male,23,18-24,middle,secondary,self_employed,126.51,1,good,1,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Zambia,2024,rural,male,18,18-24,lowest,secondary,self_employed,64.9,6,none,1,577,1,commercial_bank,3667.17,property,debt_consolidation,1,3545.24,0.227,18,241.65,current,not_applicable,high_burden
Kenya,2025,rural,female,67,55+,fourth,secondary,self_employed,398.32,6,none,0,41,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2019,rural,male,66,55+,second,primary,self_employed,206.81,1,none,0,49,1,microfinance,3669.38,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,high_burden
South Africa,2018,rural,female,37,35-44,fourth,primary,employed_informal,1336.7,4,none,1,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2025,urban,male,21,18-24,lowest,secondary,employed_formal,121.2,4,none,1,321,1,microfinance,1213.58,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Ethiopia,2020,rural,male,49,45-54,highest,primary,self_employed,360.51,8,none,1,128,1,family_friends,2306.19,vehicle,debt_consolidation,1,1971.44,0.064,24,87.41,current,not_applicable,high_burden
Ethiopia,2023,urban,male,56,55+,lowest,primary,farmer,224.83,5,limited,0,301,1,family_friends,3094.55,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Malawi,2023,rural,male,25,18-24,lowest,primary,employed_informal,51.88,3,none,1,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2018,urban,male,35,25-34,lowest,primary,self_employed,147.6,4,limited,0,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,female,56,55+,second,tertiary,self_employed,127.17,8,good,0,283,1,family_friends,1254.17,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,high_burden
Mozambique,2021,urban,male,19,18-24,lowest,tertiary,employed_informal,201.21,8,limited,0,744,1,family_friends,4253.71,property,business,1,3955.43,0.073,18,235.87,current,not_applicable,high_burden
Ethiopia,2022,urban,male,58,55+,middle,secondary,employed_informal,188.64,7,good,0,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Uganda,2021,urban,male,36,35-44,lowest,none,unemployed,165.21,1,good,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
South Africa,2025,rural,male,28,25-34,middle,none,farmer,279.0,9,good,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2020,rural,male,24,18-24,highest,secondary,self_employed,1501.94,6,none,1,849,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2021,rural,male,62,55+,second,none,employed_formal,34.37,9,limited,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
DRC,2022,rural,male,30,25-34,lowest,none,self_employed,107.97,9,good,1,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Tanzania,2019,rural,female,44,35-44,lowest,secondary,employed_informal,53.57,1,none,0,182,1,digital_lender,1814.31,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Nigeria,2022,urban,female,45,35-44,highest,none,self_employed,2184.02,7,none,0,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2023,rural,female,65,55+,lowest,none,employed_formal,52.18,7,none,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mozambique,2023,urban,female,51,45-54,lowest,none,employed_informal,85.77,4,none,1,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Ghana,2019,rural,female,50,45-54,middle,none,employed_informal,144.97,4,limited,1,103,1,microfinance,2616.98,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Mali,2018,urban,female,54,45-54,fourth,tertiary,employed_informal,1262.84,9,none,1,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Rwanda,2024,urban,female,67,55+,middle,secondary,unemployed,258.09,4,limited,0,69,1,commercial_bank,3243.58,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
Rwanda,2023,urban,male,22,18-24,fourth,secondary,self_employed,429.22,10,none,1,541,1,family_friends,5954.81,savings,emergency,1,5826.79,0.006,18,325.56,paid_off,not_applicable,high_burden
Senegal,2018,urban,male,26,25-34,lowest,tertiary,employed_informal,164.78,1,none,0,486,1,sacco,3472.13,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,high_burden
Niger,2019,rural,female,25,18-24,lowest,secondary,self_employed,100.58,3,none,1,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Niger,2020,urban,male,30,25-34,fourth,secondary,farmer,757.08,2,limited,1,280,1,family_friends,3742.31,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,high_burden
South Africa,2018,rural,male,33,25-34,middle,tertiary,employed_informal,451.43,4,none,0,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,high_burden
Mali,2022,urban,male,26,25-34,middle,tertiary,self_employed,277.73,10,limited,1,191,1,commercial_bank,9605.38,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,high_burden
Senegal,2019,rural,female,45,35-44,second,primary,unemployed,35.16,1,limited,1,161,1,commercial_bank,849.27,savings,education,1,809.64,0.154,24,38.93,current,not_applicable,high_burden