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
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