country,year,urban_rural,gender,age,age_group,income_quintile,education,employment_status,monthly_income_usd,income_stability,credit_history,has_bank_account,credit_score,credit_need,preferred_credit_source,loan_amount_requested_usd,collateral_available,loan_purpose,approved,loan_disbursed_usd,interest_rate,loan_term_months,monthly_payment_usd,repayment_status,rejection_reason,scenario
Uganda,2020,rural,female,65,55+,middle,none,self_employed,143.25,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,female,44,35-44,fourth,secondary,employed_informal,129.63,8,good,0,260,1,informal_lender,9743.53,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2018,rural,male,49,45-54,fourth,tertiary,employed_informal,166.68,6,good,0,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,36,35-44,lowest,primary,employed_formal,87.63,10,none,1,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,female,64,55+,lowest,tertiary,farmer,64.67,1,none,1,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,female,21,18-24,fourth,secondary,self_employed,825.77,4,limited,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,32,25-34,highest,tertiary,farmer,1169.03,7,limited,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,female,69,55+,highest,primary,unemployed,335.5,1,none,1,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,female,43,35-44,highest,none,self_employed,1290.22,6,excellent,1,382,1,commercial_bank,5307.51,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2018,rural,female,27,25-34,middle,none,unemployed,333.05,1,good,1,850,1,microfinance,4925.17,guarantor,agriculture,1,4350.51,0.361,24,246.79,late_60_days,not_applicable,low_burden
Zambia,2020,urban,female,39,35-44,highest,secondary,self_employed,1154.66,5,excellent,0,532,1,informal_lender,28604.99,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2025,urban,female,31,25-34,second,tertiary,self_employed,257.24,7,none,0,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,45,35-44,fourth,primary,self_employed,85.25,10,none,1,0,1,informal_lender,1542.95,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2021,urban,male,30,25-34,highest,none,employed_informal,495.3,1,none,1,94,1,commercial_bank,8899.72,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2020,rural,male,38,35-44,fourth,none,employed_informal,857.95,6,none,1,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,65,55+,second,secondary,self_employed,99.74,6,none,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,22,18-24,second,tertiary,employed_formal,857.9,4,none,0,155,1,family_friends,4867.25,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2019,rural,female,57,55+,second,primary,employed_informal,49.57,7,limited,0,146,1,family_friends,3056.36,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2019,urban,male,22,18-24,second,secondary,farmer,540.75,1,none,0,126,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,female,41,35-44,fourth,secondary,self_employed,215.04,7,none,1,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,male,52,45-54,fourth,tertiary,employed_formal,899.67,6,limited,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,male,67,55+,lowest,secondary,employed_formal,73.08,5,limited,0,799,1,informal_lender,11355.41,equipment,housing,1,9681.79,0.78,36,478.81,current,not_applicable,low_burden
Nigeria,2022,urban,female,31,25-34,fourth,primary,unemployed,533.41,1,good,1,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,male,20,18-24,second,secondary,unemployed,184.05,1,limited,1,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,57,55+,middle,secondary,self_employed,130.19,3,none,1,433,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,female,64,55+,second,tertiary,employed_informal,212.53,5,limited,0,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,47,45-54,middle,secondary,self_employed,166.04,9,limited,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,21,18-24,fourth,none,employed_informal,373.51,9,none,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,44,35-44,fourth,secondary,farmer,51.76,8,none,1,0,1,sacco,3927.94,property,agriculture,1,3734.89,0.309,6,815.08,late_30_days,not_applicable,low_burden
Malawi,2021,rural,female,38,35-44,fourth,secondary,self_employed,260.39,5,good,0,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,41,35-44,second,primary,farmer,293.77,2,none,0,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,20,18-24,fourth,tertiary,self_employed,799.98,5,none,0,322,1,commercial_bank,7943.11,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2020,rural,female,34,25-34,lowest,primary,farmer,112.04,1,none,0,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,male,69,55+,middle,tertiary,self_employed,207.61,2,good,0,299,1,family_friends,2392.54,guarantor,emergency,1,2086.47,0.087,12,189.08,paid_off,not_applicable,low_burden
Mozambique,2021,urban,male,20,18-24,middle,primary,self_employed,964.6,4,limited,0,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,female,65,55+,fourth,none,self_employed,601.98,7,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,male,44,35-44,highest,secondary,self_employed,624.06,8,good,1,850,1,informal_lender,5910.55,none,housing,1,5264.67,0.777,24,389.72,current,not_applicable,low_burden
DRC,2022,rural,female,48,45-54,second,secondary,unemployed,220.72,3,good,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,66,55+,fourth,tertiary,self_employed,938.36,3,none,0,0,1,commercial_bank,5505.34,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2020,rural,female,29,25-34,second,secondary,unemployed,188.49,4,none,0,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,69,55+,middle,none,self_employed,150.85,10,good,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,32,25-34,fourth,tertiary,employed_informal,401.56,7,excellent,1,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,female,36,35-44,fourth,secondary,employed_informal,1304.59,8,good,0,761,1,family_friends,3692.43,guarantor,business,1,3589.61,0.093,18,217.89,late_30_days,not_applicable,low_burden
Ethiopia,2018,rural,male,41,35-44,highest,primary,employed_formal,927.6,10,excellent,1,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,49,45-54,fourth,tertiary,farmer,117.2,8,limited,1,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,male,34,25-34,second,none,employed_formal,116.53,10,limited,0,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,female,59,55+,highest,none,employed_informal,617.47,3,limited,0,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,19,18-24,highest,secondary,employed_informal,584.23,4,limited,0,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,52,45-54,second,secondary,farmer,41.28,2,none,1,339,1,commercial_bank,623.28,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2021,rural,female,52,45-54,lowest,secondary,unemployed,226.27,1,none,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,45,35-44,second,tertiary,farmer,65.69,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,female,49,45-54,fourth,primary,employed_informal,187.83,10,none,0,626,1,family_friends,2471.73,savings,business,1,2051.38,0.014,12,173.36,paid_off,not_applicable,low_burden
Ethiopia,2024,rural,female,56,55+,highest,tertiary,self_employed,170.57,3,none,1,5,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,female,65,55+,fourth,none,employed_informal,604.75,8,limited,1,555,1,sacco,6363.08,savings,business,1,5810.33,0.295,12,627.13,late_30_days,not_applicable,low_burden
Zambia,2018,rural,female,29,25-34,second,none,unemployed,113.83,1,limited,0,146,1,digital_lender,6526.22,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Kenya,2021,rural,female,42,35-44,lowest,primary,employed_formal,47.12,10,limited,1,511,1,family_friends,1511.97,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2024,urban,female,47,45-54,middle,none,unemployed,242.19,2,limited,0,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,male,35,25-34,second,primary,farmer,183.05,5,none,1,536,1,sacco,4517.29,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2019,urban,female,68,55+,lowest,tertiary,farmer,64.22,4,none,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,female,44,35-44,lowest,secondary,farmer,14.97,10,limited,0,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,48,45-54,lowest,secondary,employed_informal,24.39,5,none,0,740,1,commercial_bank,656.98,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2018,rural,male,28,25-34,lowest,none,employed_informal,23.52,2,limited,0,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,female,39,35-44,fourth,tertiary,self_employed,596.48,6,good,1,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,50,45-54,second,primary,employed_informal,232.6,6,none,1,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,40,35-44,second,secondary,farmer,504.91,8,good,0,356,1,family_friends,3732.79,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2020,rural,male,58,55+,middle,secondary,self_employed,63.68,5,none,0,163,1,microfinance,610.33,savings,business,1,500.95,0.274,12,53.17,paid_off,not_applicable,low_burden
Mozambique,2024,urban,male,25,18-24,highest,none,unemployed,1529.21,1,limited,0,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,male,25,18-24,fourth,secondary,unemployed,214.38,1,good,1,850,1,family_friends,16383.85,property,agriculture,1,16311.29,0.009,18,914.66,current,not_applicable,low_burden
Uganda,2023,rural,male,35,25-34,middle,tertiary,employed_informal,1548.03,10,limited,1,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,female,34,25-34,fourth,primary,employed_informal,1295.7,2,limited,0,98,1,microfinance,9901.43,savings,business,1,8538.7,0.296,12,921.83,current,not_applicable,low_burden
Mali,2018,urban,male,60,55+,fourth,secondary,self_employed,1619.13,4,limited,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,female,63,55+,fourth,tertiary,employed_formal,578.26,5,none,1,442,1,microfinance,7038.54,savings,emergency,1,6912.17,0.336,12,769.28,late_60_days,not_applicable,low_burden
Malawi,2024,urban,male,42,35-44,middle,primary,farmer,389.8,3,limited,0,357,1,informal_lender,7502.72,property,business,1,6552.89,0.77,12,966.6,current,not_applicable,low_burden
Uganda,2025,urban,male,44,35-44,middle,primary,farmer,225.09,1,limited,1,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,33,25-34,second,primary,farmer,118.96,4,none,1,169,1,sacco,15504.54,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2018,urban,female,45,35-44,second,secondary,self_employed,103.36,10,none,0,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,54,45-54,second,primary,farmer,186.91,3,excellent,0,809,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,male,55,45-54,second,primary,self_employed,361.62,10,none,1,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,68,55+,second,primary,unemployed,140.97,3,good,0,414,1,informal_lender,2795.29,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2024,rural,female,48,45-54,middle,tertiary,farmer,120.62,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,35,25-34,middle,tertiary,farmer,105.62,7,none,0,221,1,informal_lender,1796.97,equipment,business,1,1741.69,0.844,12,267.63,current,not_applicable,low_burden
Malawi,2020,urban,female,21,18-24,lowest,secondary,employed_informal,106.66,10,limited,0,639,1,family_friends,10789.09,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2024,rural,male,53,45-54,second,tertiary,farmer,286.81,6,limited,0,116,1,microfinance,2300.75,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2024,urban,female,59,55+,second,secondary,employed_informal,443.12,9,limited,1,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,46,45-54,fourth,tertiary,self_employed,865.43,1,none,0,142,1,family_friends,16305.15,vehicle,business,1,15537.52,0.035,12,1339.94,current,not_applicable,low_burden
Niger,2023,rural,female,65,55+,second,none,self_employed,162.24,10,limited,1,405,1,commercial_bank,3671.72,property,business,1,3108.15,0.182,12,306.12,late_60_days,not_applicable,low_burden
Uganda,2020,rural,female,34,25-34,lowest,primary,employed_informal,64.16,1,limited,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,20,18-24,lowest,tertiary,employed_formal,147.81,5,none,1,621,1,informal_lender,4796.64,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2025,urban,male,50,45-54,middle,primary,employed_informal,137.18,8,limited,1,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,male,24,18-24,lowest,primary,farmer,66.0,3,none,0,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,male,22,18-24,middle,secondary,farmer,988.23,1,none,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,54,45-54,middle,secondary,unemployed,94.26,5,none,1,624,1,digital_lender,1306.67,property,consumption,1,1214.4,0.466,18,98.94,defaulted,not_applicable,low_burden
DRC,2020,rural,male,40,35-44,highest,primary,farmer,648.2,6,none,0,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,49,45-54,middle,primary,self_employed,464.17,5,good,0,196,1,family_friends,27659.22,none,emergency,1,23418.19,0.014,48,494.53,late_30_days,not_applicable,low_burden
Mozambique,2025,urban,male,56,55+,lowest,primary,farmer,95.22,4,excellent,1,470,1,commercial_bank,2469.9,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2022,urban,female,37,35-44,second,none,self_employed,404.6,8,none,0,139,1,family_friends,3626.23,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2022,rural,male,49,45-54,fourth,primary,employed_informal,959.38,4,none,1,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,female,46,45-54,second,secondary,unemployed,169.71,2,excellent,1,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,48,45-54,highest,secondary,unemployed,1757.0,1,none,0,29,1,family_friends,13799.71,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2020,rural,female,54,45-54,middle,primary,employed_formal,104.4,7,none,0,654,1,employer,2187.99,vehicle,housing,1,1758.7,0.069,12,156.64,paid_off,not_applicable,low_burden
DRC,2018,urban,male,37,35-44,lowest,primary,farmer,80.48,1,limited,1,94,1,commercial_bank,3749.73,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2025,rural,male,44,35-44,lowest,secondary,employed_formal,324.39,6,none,1,565,1,digital_lender,2373.29,equipment,business,1,2041.25,0.412,36,80.07,current,not_applicable,low_burden
DRC,2019,rural,female,48,45-54,highest,none,unemployed,2587.3,1,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,female,25,18-24,highest,primary,self_employed,405.23,8,good,0,850,1,informal_lender,6031.45,guarantor,education,1,5682.3,0.833,18,578.53,defaulted,not_applicable,low_burden
Mali,2018,rural,female,29,25-34,highest,primary,employed_informal,658.12,9,limited,0,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,male,22,18-24,second,secondary,farmer,199.05,6,limited,0,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,male,28,25-34,fourth,none,self_employed,441.37,10,none,0,510,1,employer,3982.11,savings,housing,1,3327.89,0.049,36,96.95,current,not_applicable,low_burden
Rwanda,2024,rural,female,40,35-44,lowest,primary,employed_formal,146.96,7,none,0,87,1,informal_lender,2306.28,vehicle,education,1,2134.6,0.759,12,312.89,paid_off,not_applicable,low_burden
Zambia,2022,rural,female,66,55+,second,secondary,farmer,439.54,5,good,1,439,1,commercial_bank,3245.46,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2020,rural,female,65,55+,fourth,secondary,farmer,338.49,7,good,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,male,57,55+,highest,secondary,self_employed,2172.66,2,good,1,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,47,45-54,second,tertiary,farmer,190.96,5,none,0,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,28,25-34,middle,secondary,employed_formal,197.06,10,good,1,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,36,35-44,lowest,primary,employed_informal,18.35,5,none,1,0,1,informal_lender,2782.75,savings,business,1,2651.9,0.821,18,268.25,paid_off,not_applicable,low_burden
Zambia,2020,rural,male,57,55+,second,primary,farmer,247.46,10,limited,0,77,1,digital_lender,3679.32,vehicle,agriculture,1,3171.82,0.408,18,248.05,paid_off,not_applicable,low_burden
Senegal,2021,urban,female,65,55+,lowest,none,employed_informal,137.27,7,limited,0,544,1,family_friends,3216.22,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2018,rural,female,68,55+,highest,primary,self_employed,872.21,2,none,0,469,1,digital_lender,9698.42,vehicle,housing,1,7956.73,0.497,48,248.23,paid_off,not_applicable,low_burden
Nigeria,2019,rural,male,38,35-44,lowest,none,unemployed,30.31,1,limited,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,male,43,35-44,fourth,primary,farmer,1938.58,4,limited,0,62,1,family_friends,20471.61,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2018,rural,female,44,35-44,second,secondary,self_employed,134.97,10,good,1,357,1,microfinance,2050.07,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2023,rural,male,20,18-24,middle,secondary,self_employed,89.96,4,none,0,229,1,digital_lender,3467.39,guarantor,business,1,3187.64,0.445,6,767.88,defaulted,not_applicable,low_burden
Niger,2025,rural,female,24,18-24,second,primary,unemployed,48.75,1,none,1,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,female,20,18-24,second,secondary,farmer,194.91,7,limited,0,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,56,55+,middle,primary,employed_formal,489.5,10,none,1,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,29,25-34,middle,secondary,self_employed,144.63,6,none,0,683,1,family_friends,2124.42,none,emergency,1,1755.35,0.038,6,303.76,current,not_applicable,low_burden
Senegal,2022,urban,male,54,45-54,highest,secondary,employed_informal,1369.44,9,none,1,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,37,35-44,second,primary,employed_formal,193.57,5,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,59,55+,middle,primary,employed_informal,220.58,9,limited,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,24,18-24,highest,tertiary,self_employed,406.42,3,excellent,1,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,male,34,25-34,second,secondary,farmer,237.76,8,good,0,529,1,microfinance,3942.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2018,rural,female,28,25-34,highest,secondary,unemployed,1193.52,2,limited,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,40,35-44,highest,none,self_employed,988.01,7,none,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,47,45-54,fourth,primary,self_employed,183.96,1,limited,0,646,1,microfinance,7644.26,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2022,rural,female,26,25-34,middle,primary,employed_informal,78.77,6,limited,1,342,1,informal_lender,705.33,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2025,rural,male,52,45-54,fourth,tertiary,employed_informal,347.89,1,good,0,744,1,digital_lender,2989.26,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2025,urban,male,68,55+,middle,none,employed_formal,571.93,9,limited,0,158,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,female,20,18-24,middle,primary,unemployed,414.3,1,limited,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,22,18-24,highest,tertiary,employed_informal,999.63,3,none,0,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,female,67,55+,second,primary,farmer,88.5,5,good,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,male,51,45-54,fourth,primary,employed_informal,187.8,3,good,1,688,1,commercial_bank,3540.72,none,emergency,1,2834.42,0.161,24,137.17,paid_off,not_applicable,low_burden
South Africa,2023,urban,male,65,55+,middle,secondary,self_employed,294.86,1,none,1,549,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,male,54,45-54,lowest,primary,unemployed,59.93,1,excellent,0,460,1,informal_lender,3251.47,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2019,urban,male,55,45-54,middle,tertiary,unemployed,647.7,1,none,1,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,26,25-34,fourth,none,employed_informal,351.61,8,none,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,44,35-44,middle,secondary,unemployed,151.51,2,good,1,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,36,35-44,fourth,primary,employed_informal,2073.12,2,limited,0,188,1,sacco,22056.81,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2021,urban,male,61,55+,second,secondary,farmer,536.02,5,none,0,616,1,employer,2232.0,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2024,rural,male,20,18-24,highest,secondary,employed_formal,357.94,9,none,1,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,18,18-24,middle,secondary,self_employed,559.16,3,none,0,645,1,family_friends,14693.91,property,housing,1,12139.32,0.045,6,2114.25,current,not_applicable,low_burden
Kenya,2021,urban,male,46,45-54,fourth,tertiary,farmer,224.3,2,none,0,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,68,55+,second,secondary,farmer,133.55,3,limited,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,69,55+,second,none,farmer,96.95,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,48,45-54,highest,none,employed_informal,628.92,3,limited,1,609,1,family_friends,9003.06,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2025,rural,female,40,35-44,lowest,primary,farmer,92.96,6,limited,1,434,1,informal_lender,2663.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2019,rural,female,32,25-34,second,primary,employed_informal,130.69,9,limited,1,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,female,69,55+,fourth,primary,employed_informal,756.44,9,excellent,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,27,25-34,fourth,secondary,employed_formal,248.89,10,none,1,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,urban,male,24,18-24,highest,secondary,employed_informal,1287.26,4,none,0,793,1,family_friends,3632.25,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2019,rural,male,44,35-44,fourth,tertiary,employed_formal,348.48,10,none,0,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,38,35-44,highest,primary,farmer,374.84,10,none,0,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,43,35-44,middle,secondary,employed_informal,280.46,4,limited,1,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,urban,female,64,55+,middle,secondary,self_employed,319.12,1,none,0,288,1,digital_lender,3563.93,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2022,rural,male,32,25-34,fourth,tertiary,employed_informal,200.05,5,limited,0,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,63,55+,fourth,secondary,farmer,365.38,5,excellent,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,male,29,25-34,lowest,primary,employed_informal,45.52,7,none,0,744,1,family_friends,4296.92,savings,agriculture,1,3666.69,0.078,36,109.81,paid_off,not_applicable,low_burden
DRC,2023,urban,female,34,25-34,second,none,employed_informal,152.46,2,none,1,374,1,family_friends,3804.07,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,urban,female,18,18-24,middle,tertiary,self_employed,1022.07,6,good,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,female,53,45-54,fourth,secondary,unemployed,2124.93,1,good,0,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,62,55+,middle,secondary,unemployed,29.67,1,none,0,688,1,family_friends,1764.14,none,education,1,1650.31,0.052,6,289.36,late_30_days,not_applicable,low_burden
Kenya,2023,rural,male,64,55+,fourth,secondary,self_employed,464.07,1,limited,1,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,26,25-34,fourth,secondary,unemployed,643.41,2,none,1,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,57,55+,second,secondary,self_employed,104.28,1,limited,1,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,female,25,18-24,middle,tertiary,unemployed,382.98,5,limited,0,419,1,employer,3016.81,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2020,urban,female,50,45-54,middle,tertiary,employed_formal,949.78,10,none,1,721,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,54,45-54,lowest,primary,employed_formal,23.06,10,none,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,25,18-24,middle,none,employed_formal,219.63,10,limited,0,107,1,family_friends,6727.69,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2020,rural,female,23,18-24,middle,none,farmer,786.85,10,limited,1,522,1,commercial_bank,6584.72,guarantor,education,1,5705.78,0.194,6,1135.77,current,not_applicable,low_burden
Nigeria,2023,rural,female,21,18-24,fourth,primary,employed_informal,138.64,3,good,1,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,54,45-54,second,secondary,employed_informal,111.91,1,limited,0,399,1,informal_lender,2873.41,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2021,rural,male,49,45-54,lowest,secondary,self_employed,44.01,10,good,1,145,1,commercial_bank,2165.12,guarantor,housing,1,2129.86,0.136,12,201.58,current,not_applicable,low_burden
South Africa,2023,rural,male,24,18-24,middle,primary,unemployed,417.65,3,limited,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,44,35-44,fourth,primary,self_employed,1132.51,7,limited,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,female,59,55+,middle,secondary,farmer,224.07,3,none,0,586,1,family_friends,2963.18,property,consumption,1,2810.44,0.085,24,127.07,current,not_applicable,low_burden
Niger,2024,rural,male,30,25-34,second,secondary,employed_informal,124.07,4,none,1,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,male,49,45-54,highest,secondary,unemployed,199.32,3,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,33,25-34,lowest,none,employed_formal,163.11,8,none,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,male,31,25-34,second,primary,employed_informal,141.33,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,male,38,35-44,second,secondary,self_employed,163.81,3,none,0,305,1,family_friends,2362.18,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2018,urban,female,36,35-44,fourth,secondary,employed_informal,971.11,4,good,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,female,43,35-44,fourth,secondary,farmer,378.66,9,limited,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,28,25-34,lowest,tertiary,farmer,181.45,4,good,0,850,1,informal_lender,1612.42,none,agriculture,1,1608.38,0.803,18,161.09,late_60_days,not_applicable,low_burden
Rwanda,2020,rural,female,38,35-44,fourth,none,employed_informal,503.06,5,excellent,1,332,1,commercial_bank,4154.73,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,rural,male,50,45-54,fourth,primary,employed_formal,380.3,9,limited,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,38,35-44,highest,primary,employed_formal,825.2,5,limited,0,745,1,digital_lender,2493.01,equipment,asset_purchase,1,2326.13,0.452,36,93.85,late_60_days,not_applicable,low_burden
South Africa,2022,urban,female,52,45-54,highest,primary,employed_formal,451.41,9,limited,0,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,24,18-24,fourth,primary,unemployed,297.09,1,limited,1,675,1,commercial_bank,6535.38,equipment,housing,1,5256.26,0.155,18,337.35,current,not_applicable,low_burden
Ethiopia,2022,urban,female,25,18-24,lowest,none,self_employed,191.93,9,good,0,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,63,55+,second,none,employed_informal,64.67,3,good,1,574,1,microfinance,1786.25,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ethiopia,2025,urban,male,42,35-44,highest,secondary,employed_formal,600.42,7,limited,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,urban,male,49,45-54,middle,none,farmer,161.19,5,good,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,male,56,55+,middle,secondary,farmer,332.18,4,limited,1,537,1,employer,4034.76,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2023,rural,female,25,18-24,highest,primary,unemployed,1772.4,2,none,1,796,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,68,55+,highest,primary,employed_informal,1452.92,8,none,1,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,female,40,35-44,fourth,none,self_employed,71.84,10,none,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,64,55+,highest,none,employed_informal,1045.61,9,none,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,male,39,35-44,lowest,primary,farmer,44.21,3,limited,0,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,male,39,35-44,fourth,secondary,self_employed,702.67,7,none,0,455,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,49,45-54,highest,tertiary,farmer,892.18,4,good,0,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,27,25-34,lowest,none,employed_formal,32.98,10,none,1,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,urban,female,49,45-54,lowest,none,farmer,85.48,1,none,1,658,1,commercial_bank,2911.12,vehicle,business,1,2415.58,0.138,18,152.68,current,not_applicable,low_burden
Ghana,2019,rural,male,69,55+,fourth,none,employed_informal,242.08,10,limited,0,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,female,51,45-54,middle,secondary,farmer,370.08,4,none,1,27,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,21,18-24,lowest,primary,employed_informal,32.4,8,none,1,408,1,digital_lender,1257.27,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2023,urban,female,54,45-54,second,primary,farmer,82.35,7,none,0,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,19,18-24,second,tertiary,employed_informal,202.51,4,limited,1,417,1,informal_lender,2071.21,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2025,urban,male,23,18-24,second,tertiary,farmer,393.27,10,none,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,32,25-34,highest,secondary,farmer,996.61,3,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,33,25-34,middle,none,self_employed,189.46,8,none,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,male,18,18-24,fourth,primary,employed_informal,196.42,10,none,1,371,1,informal_lender,4730.77,vehicle,agriculture,1,4039.69,0.784,18,400.29,current,not_applicable,low_burden
Mozambique,2019,rural,female,18,18-24,lowest,primary,employed_informal,37.36,2,none,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,male,59,55+,second,secondary,employed_informal,337.51,10,none,0,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,female,41,35-44,second,secondary,self_employed,101.57,9,good,0,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,male,28,25-34,highest,none,employed_formal,1839.31,7,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,40,35-44,highest,tertiary,employed_formal,1547.12,10,limited,1,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,male,54,45-54,second,primary,employed_informal,430.4,1,good,0,561,1,microfinance,17585.55,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2019,rural,male,56,55+,highest,secondary,employed_informal,1397.62,2,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,32,25-34,lowest,none,employed_informal,88.07,8,good,1,314,1,commercial_bank,5200.33,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2022,urban,male,26,25-34,second,primary,farmer,64.73,10,limited,1,224,1,commercial_bank,5748.87,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2020,rural,female,67,55+,fourth,none,employed_formal,505.43,5,limited,0,552,1,sacco,2769.71,none,business,1,2605.38,0.352,12,293.51,current,not_applicable,low_burden
Nigeria,2018,urban,female,50,45-54,second,secondary,unemployed,196.2,4,good,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,69,55+,highest,none,farmer,511.34,2,none,0,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,male,33,25-34,lowest,primary,self_employed,233.19,8,limited,0,387,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,female,23,18-24,fourth,secondary,farmer,296.6,9,limited,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,female,37,35-44,lowest,secondary,self_employed,41.58,5,limited,0,124,1,commercial_bank,1998.83,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2020,urban,female,35,25-34,lowest,secondary,self_employed,197.39,2,none,0,415,1,informal_lender,3684.5,guarantor,consumption,1,3423.09,0.805,18,343.2,late_30_days,not_applicable,low_burden
Niger,2018,urban,male,55,45-54,second,secondary,employed_informal,136.29,3,none,1,365,1,digital_lender,8437.89,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2025,urban,female,55,45-54,highest,secondary,farmer,660.29,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,21,18-24,middle,secondary,employed_informal,90.86,8,limited,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,female,48,45-54,middle,primary,self_employed,112.64,6,none,1,410,1,commercial_bank,5755.53,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2019,rural,male,35,25-34,lowest,none,employed_formal,36.03,8,none,0,252,1,informal_lender,1921.34,guarantor,debt_consolidation,1,1615.93,0.776,48,59.8,late_30_days,not_applicable,low_burden
Nigeria,2020,rural,male,49,45-54,lowest,primary,self_employed,93.04,7,limited,1,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,38,35-44,lowest,none,self_employed,29.52,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,female,45,35-44,fourth,primary,employed_informal,89.82,8,none,1,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,male,55,45-54,lowest,primary,employed_informal,74.48,2,excellent,1,524,1,sacco,714.2,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2020,rural,female,33,25-34,second,none,farmer,77.83,2,none,0,0,1,microfinance,1431.17,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2020,urban,male,28,25-34,middle,secondary,employed_informal,294.99,4,none,1,587,1,commercial_bank,7118.86,equipment,education,1,6688.97,0.189,48,165.73,current,not_applicable,low_burden
Mali,2020,rural,male,54,45-54,middle,secondary,employed_formal,490.79,6,limited,0,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,67,55+,second,secondary,employed_informal,190.26,8,none,1,169,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,male,41,35-44,lowest,tertiary,unemployed,258.54,6,none,0,0,1,sacco,3811.32,guarantor,business,1,3261.76,0.305,6,709.5,late_60_days,not_applicable,low_burden
Kenya,2021,rural,male,69,55+,second,primary,farmer,115.66,6,limited,0,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,27,25-34,fourth,primary,self_employed,995.44,9,limited,1,20,1,microfinance,7406.83,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2021,urban,male,60,55+,lowest,primary,farmer,61.26,5,none,1,262,1,sacco,3771.81,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2025,urban,female,69,55+,fourth,secondary,farmer,530.44,7,good,0,256,1,digital_lender,12135.94,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2020,rural,female,33,25-34,lowest,primary,farmer,31.35,8,good,1,279,1,commercial_bank,1258.87,none,asset_purchase,1,1175.39,0.152,12,112.87,paid_off,not_applicable,low_burden
Rwanda,2020,rural,female,25,18-24,highest,tertiary,farmer,375.54,3,limited,1,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,male,52,45-54,highest,primary,farmer,846.45,8,limited,0,358,1,sacco,10577.59,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2020,urban,female,63,55+,lowest,primary,self_employed,35.46,6,good,1,289,1,commercial_bank,5541.06,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2018,rural,male,22,18-24,second,secondary,employed_informal,135.62,6,none,0,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,female,51,45-54,second,primary,employed_formal,98.14,6,limited,1,126,1,digital_lender,7405.67,none,education,1,6384.86,0.474,18,522.84,defaulted,not_applicable,low_burden
Senegal,2018,urban,female,63,55+,fourth,secondary,employed_formal,579.71,7,none,0,531,1,family_friends,4636.97,guarantor,asset_purchase,1,3904.63,0.017,24,165.41,current,not_applicable,low_burden
Mali,2019,rural,male,19,18-24,middle,secondary,self_employed,79.76,9,none,0,321,1,family_friends,3456.98,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2019,rural,male,44,35-44,middle,secondary,unemployed,326.86,3,excellent,0,320,1,informal_lender,7959.27,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2020,urban,female,22,18-24,lowest,secondary,farmer,294.9,2,none,0,162,1,sacco,4928.11,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2024,rural,female,27,25-34,lowest,primary,farmer,170.53,6,none,1,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,43,35-44,fourth,primary,farmer,1250.19,7,none,1,392,1,commercial_bank,7463.9,guarantor,education,1,6709.81,0.188,12,664.54,defaulted,not_applicable,low_burden
Senegal,2025,rural,female,35,25-34,middle,secondary,unemployed,206.03,4,limited,0,585,1,informal_lender,1494.4,none,business,1,1488.64,0.823,48,56.55,current,not_applicable,low_burden
Malawi,2020,rural,female,22,18-24,fourth,primary,farmer,257.67,9,good,0,808,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,59,55+,fourth,primary,employed_informal,463.88,7,none,0,241,1,family_friends,3471.26,savings,business,1,3225.91,0.006,12,270.48,current,not_applicable,low_burden
Rwanda,2018,rural,female,28,25-34,middle,none,self_employed,169.28,1,good,0,376,1,family_friends,2571.88,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2022,rural,male,63,55+,middle,secondary,self_employed,59.15,5,none,0,749,1,family_friends,1207.72,none,business,1,1051.12,0.07,12,93.69,current,not_applicable,low_burden
Tanzania,2024,rural,female,27,25-34,highest,none,employed_informal,1178.3,3,good,0,661,1,family_friends,9039.66,none,emergency,1,8169.04,0.001,24,340.77,current,not_applicable,low_burden
Kenya,2022,rural,male,45,35-44,fourth,tertiary,employed_informal,279.85,1,good,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,55,45-54,highest,none,employed_informal,237.74,10,none,1,730,1,informal_lender,7515.25,guarantor,consumption,1,6671.45,0.831,18,678.7,defaulted,not_applicable,low_burden
South Africa,2020,rural,female,42,35-44,highest,primary,employed_informal,465.22,2,good,1,829,1,digital_lender,4541.17,property,business,1,3661.4,0.428,36,145.22,defaulted,not_applicable,low_burden
Malawi,2018,urban,male,39,35-44,second,primary,employed_informal,156.05,3,none,1,240,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,57,55+,fourth,primary,unemployed,496.01,1,limited,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,male,18,18-24,fourth,primary,employed_informal,500.2,5,none,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,60,55+,lowest,secondary,farmer,157.06,7,none,1,362,1,family_friends,1009.87,none,agriculture,1,944.08,0.015,6,159.77,current,not_applicable,low_burden
Kenya,2023,urban,female,53,45-54,middle,none,employed_formal,121.07,7,excellent,0,351,1,commercial_bank,3182.46,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2024,rural,male,57,55+,second,primary,unemployed,109.05,4,good,0,126,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,male,39,35-44,second,none,farmer,97.81,2,limited,0,697,1,microfinance,3700.73,guarantor,business,1,3112.68,0.283,6,665.61,current,not_applicable,low_burden
Zambia,2025,urban,female,37,35-44,lowest,primary,unemployed,216.51,6,excellent,0,850,1,informal_lender,4872.32,equipment,education,1,4418.44,0.794,36,220.13,current,not_applicable,low_burden
Niger,2019,rural,male,47,45-54,fourth,tertiary,self_employed,222.58,9,none,0,671,1,informal_lender,2823.79,guarantor,debt_consolidation,1,2299.08,0.779,12,340.8,paid_off,not_applicable,low_burden
Zambia,2021,urban,female,51,45-54,fourth,primary,self_employed,386.7,6,none,1,211,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,66,55+,middle,secondary,self_employed,417.01,1,good,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,male,62,55+,lowest,primary,self_employed,227.16,8,none,0,397,1,digital_lender,2129.48,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2023,rural,male,20,18-24,middle,primary,farmer,560.68,8,good,0,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,25,18-24,lowest,secondary,employed_formal,28.45,10,none,0,689,1,family_friends,3292.89,guarantor,education,1,3154.79,0.047,12,275.22,current,not_applicable,low_burden
Senegal,2024,rural,male,67,55+,second,none,employed_formal,170.1,6,none,1,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,38,35-44,second,tertiary,unemployed,146.55,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,48,45-54,highest,primary,employed_formal,955.71,8,none,0,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,female,20,18-24,second,primary,farmer,189.6,7,none,1,723,1,sacco,5042.79,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2021,urban,male,23,18-24,middle,tertiary,employed_informal,733.89,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,39,35-44,highest,primary,self_employed,1373.79,5,none,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,55,45-54,second,tertiary,employed_informal,227.27,10,good,0,493,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,urban,male,58,55+,highest,tertiary,self_employed,1145.0,5,limited,0,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,64,55+,lowest,primary,farmer,295.22,6,none,0,598,1,informal_lender,3236.71,none,asset_purchase,1,2600.65,0.835,24,198.79,current,not_applicable,low_burden
Malawi,2024,rural,male,28,25-34,second,primary,unemployed,91.64,6,none,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,28,25-34,lowest,secondary,employed_informal,19.44,10,none,1,437,1,commercial_bank,679.14,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2018,rural,male,46,45-54,middle,primary,employed_informal,166.11,6,none,1,594,1,microfinance,4427.68,guarantor,business,1,3826.81,0.28,48,102.09,paid_off,not_applicable,low_burden
Ethiopia,2020,rural,female,46,45-54,highest,secondary,farmer,691.41,3,limited,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,19,18-24,middle,none,employed_formal,497.97,5,none,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,male,41,35-44,middle,primary,employed_formal,139.86,10,excellent,0,751,1,informal_lender,2111.56,property,business,1,1851.13,0.776,48,68.49,current,not_applicable,low_burden
Mozambique,2018,urban,male,64,55+,second,secondary,self_employed,255.23,6,none,0,224,1,sacco,5782.89,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2023,urban,female,26,25-34,highest,secondary,farmer,352.22,6,none,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,male,60,55+,middle,secondary,employed_informal,636.07,10,limited,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,41,35-44,second,secondary,employed_formal,127.25,7,none,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,45,35-44,highest,primary,unemployed,813.97,1,none,1,849,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,51,45-54,second,primary,unemployed,539.41,3,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,female,54,45-54,second,primary,farmer,256.53,10,limited,0,644,1,sacco,5063.27,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Rwanda,2022,rural,female,51,45-54,lowest,primary,farmer,29.09,2,good,0,510,1,informal_lender,6784.82,guarantor,education,1,6475.94,0.761,48,237.63,current,not_applicable,low_burden
Niger,2024,rural,male,23,18-24,lowest,primary,unemployed,55.8,6,none,1,714,1,family_friends,2401.07,equipment,emergency,1,2388.38,0.064,12,211.71,paid_off,not_applicable,low_burden
Uganda,2020,urban,male,33,25-34,fourth,secondary,self_employed,3340.05,6,good,1,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,61,55+,middle,primary,farmer,799.1,6,limited,0,626,1,microfinance,24075.72,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2024,urban,male,20,18-24,highest,none,self_employed,1890.11,10,limited,1,759,1,commercial_bank,10739.93,property,agriculture,1,9002.92,0.192,24,447.26,current,not_applicable,low_burden
Rwanda,2020,rural,female,55,45-54,lowest,secondary,employed_informal,16.53,4,none,1,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,rural,female,45,35-44,middle,none,farmer,508.17,8,good,1,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,24,18-24,fourth,tertiary,farmer,211.39,1,none,1,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,male,24,18-24,middle,primary,employed_informal,505.11,7,none,1,293,1,commercial_bank,4044.67,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2018,urban,male,68,55+,middle,none,self_employed,179.91,1,limited,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,male,19,18-24,middle,tertiary,farmer,281.6,1,excellent,1,590,1,commercial_bank,2537.5,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,rural,female,19,18-24,fourth,secondary,employed_informal,210.63,4,none,0,0,1,family_friends,2515.77,equipment,housing,1,2082.58,0.085,6,376.55,current,not_applicable,low_burden
Rwanda,2021,rural,male,18,18-24,highest,secondary,farmer,514.92,4,none,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,female,50,45-54,second,primary,employed_formal,279.74,10,excellent,1,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,66,55+,second,primary,self_employed,71.89,9,good,0,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,male,26,25-34,middle,secondary,unemployed,1052.59,6,limited,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,female,59,55+,second,primary,farmer,88.17,7,none,0,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,female,55,45-54,lowest,secondary,unemployed,28.22,1,none,0,532,1,digital_lender,2494.96,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Nigeria,2018,rural,female,29,25-34,highest,primary,farmer,1028.56,7,excellent,1,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,21,18-24,lowest,primary,self_employed,148.81,5,none,0,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,male,43,35-44,lowest,none,farmer,71.65,6,good,1,258,1,microfinance,2999.91,property,business,1,2772.94,0.343,12,310.33,current,not_applicable,low_burden
Ethiopia,2020,rural,female,22,18-24,middle,secondary,employed_informal,94.47,6,limited,1,703,1,family_friends,1027.57,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2024,urban,male,23,18-24,lowest,primary,self_employed,47.12,9,excellent,1,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,female,42,35-44,lowest,tertiary,self_employed,29.29,4,limited,0,57,1,digital_lender,3608.53,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2025,rural,male,60,55+,lowest,primary,self_employed,74.74,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,urban,female,69,55+,lowest,primary,self_employed,85.57,6,good,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,female,50,45-54,second,primary,self_employed,243.81,7,excellent,0,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,32,25-34,fourth,secondary,employed_informal,635.06,10,good,0,334,1,informal_lender,16040.5,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2023,rural,male,35,25-34,second,secondary,employed_informal,216.01,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,49,45-54,second,primary,self_employed,91.05,5,none,0,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,urban,male,27,25-34,middle,primary,employed_formal,177.96,6,good,1,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,female,44,35-44,second,secondary,unemployed,201.89,1,limited,0,716,1,family_friends,1380.78,savings,business,1,1164.63,0.07,12,103.84,current,not_applicable,low_burden
Rwanda,2021,rural,female,57,55+,second,primary,employed_formal,116.73,7,none,1,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,61,55+,second,secondary,farmer,216.02,7,none,1,639,1,microfinance,7893.73,guarantor,business,1,6353.22,0.286,12,680.88,paid_off,not_applicable,low_burden
Mozambique,2020,rural,female,21,18-24,second,secondary,employed_informal,73.71,8,none,1,262,1,commercial_bank,7707.13,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2022,rural,female,33,25-34,second,primary,farmer,190.16,1,none,1,76,1,commercial_bank,1391.61,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2018,rural,female,31,25-34,lowest,secondary,farmer,26.4,5,none,0,13,1,family_friends,1420.13,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2019,rural,male,46,45-54,highest,secondary,unemployed,487.87,6,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,27,25-34,highest,none,unemployed,1463.59,5,limited,1,318,1,family_friends,5544.78,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2020,rural,male,67,55+,highest,primary,farmer,300.79,10,none,0,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,female,65,55+,lowest,primary,employed_informal,187.45,10,limited,0,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,female,35,25-34,fourth,secondary,self_employed,183.45,1,none,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,39,35-44,middle,secondary,employed_informal,65.93,7,good,0,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,40,35-44,lowest,primary,unemployed,31.58,2,good,1,737,1,commercial_bank,3613.6,none,business,1,3058.42,0.212,12,308.88,late_60_days,not_applicable,low_burden
South Africa,2021,rural,female,20,18-24,highest,primary,unemployed,720.6,1,none,1,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,64,55+,fourth,none,employed_informal,549.51,8,excellent,1,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,58,55+,lowest,none,farmer,148.88,10,none,1,27,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,male,35,25-34,highest,primary,employed_informal,2315.37,5,limited,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,46,45-54,lowest,none,farmer,110.19,7,good,0,720,1,informal_lender,2566.48,guarantor,business,1,2173.57,0.751,36,105.7,current,not_applicable,low_burden
Mali,2025,rural,male,37,35-44,second,none,self_employed,67.77,5,good,1,342,1,commercial_bank,2067.63,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2018,urban,male,29,25-34,lowest,secondary,self_employed,49.9,7,none,0,19,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,33,25-34,lowest,secondary,unemployed,104.56,6,none,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,female,23,18-24,highest,none,employed_informal,1795.85,9,none,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,60,55+,middle,secondary,farmer,97.18,3,none,0,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,female,52,45-54,second,none,farmer,300.1,9,none,1,0,1,commercial_bank,6312.87,guarantor,business,1,5746.64,0.201,48,143.84,current,not_applicable,low_burden
Zambia,2024,urban,female,66,55+,fourth,primary,employed_informal,128.26,6,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,male,18,18-24,highest,tertiary,self_employed,872.41,6,limited,1,406,1,family_friends,19136.33,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2019,rural,female,50,45-54,highest,secondary,employed_formal,617.48,5,none,0,206,1,informal_lender,6301.41,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2025,urban,male,47,45-54,highest,none,self_employed,858.67,5,none,0,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,50,45-54,highest,primary,unemployed,678.72,1,limited,0,822,1,sacco,5119.64,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ethiopia,2022,urban,male,69,55+,middle,secondary,employed_formal,164.14,4,none,1,593,1,microfinance,3250.97,none,consumption,1,2893.38,0.351,12,325.86,current,not_applicable,low_burden
Rwanda,2019,urban,female,38,35-44,second,primary,employed_informal,247.29,9,limited,1,143,1,informal_lender,6736.78,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2019,rural,male,25,18-24,highest,tertiary,self_employed,692.83,2,good,1,850,1,informal_lender,3079.95,none,housing,1,2669.36,0.773,6,788.64,paid_off,not_applicable,low_burden
Ethiopia,2024,urban,male,18,18-24,lowest,primary,employed_informal,172.96,8,limited,0,656,1,family_friends,3898.18,savings,business,1,3343.93,0.031,12,287.35,current,not_applicable,low_burden
Mozambique,2020,rural,female,43,35-44,lowest,none,employed_informal,183.39,8,limited,0,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,urban,female,27,25-34,second,secondary,self_employed,197.78,7,limited,0,791,1,family_friends,2365.74,equipment,agriculture,1,2019.34,0.024,18,114.9,current,not_applicable,low_burden
Mali,2020,rural,female,25,18-24,second,secondary,self_employed,68.39,9,limited,1,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,25,18-24,middle,primary,farmer,134.53,2,limited,0,30,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,male,32,25-34,highest,tertiary,self_employed,2180.03,1,good,0,241,1,family_friends,5259.71,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2025,urban,male,24,18-24,middle,tertiary,self_employed,895.68,9,good,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,female,43,35-44,middle,none,self_employed,372.22,2,none,1,0,1,family_friends,1663.48,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,urban,female,52,45-54,second,none,employed_informal,188.71,3,none,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,male,33,25-34,fourth,primary,self_employed,870.38,7,good,1,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,male,25,18-24,lowest,secondary,farmer,150.12,6,limited,1,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,male,47,45-54,lowest,secondary,unemployed,39.09,1,limited,0,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,22,18-24,middle,primary,employed_formal,204.22,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,56,55+,middle,tertiary,self_employed,137.55,9,none,1,189,1,digital_lender,2638.83,none,consumption,1,2565.87,0.482,36,105.63,current,not_applicable,low_burden
DRC,2018,urban,female,37,35-44,second,primary,self_employed,165.34,6,limited,0,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,male,39,35-44,second,secondary,employed_formal,357.56,10,good,1,549,1,sacco,10043.55,equipment,emergency,1,8960.47,0.312,24,489.87,late_60_days,not_applicable,low_burden
Nigeria,2022,rural,female,30,25-34,lowest,secondary,farmer,128.16,6,none,1,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,32,25-34,fourth,none,employed_informal,540.68,7,excellent,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,25,18-24,second,primary,unemployed,18.41,1,good,0,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,47,45-54,second,primary,self_employed,76.65,1,good,0,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,25,18-24,highest,tertiary,employed_informal,713.37,6,good,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,male,53,45-54,fourth,primary,farmer,422.92,8,none,0,220,1,family_friends,1710.25,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2022,rural,female,31,25-34,lowest,secondary,employed_informal,61.64,5,none,1,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,47,45-54,middle,primary,farmer,353.59,9,none,1,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,45,35-44,lowest,primary,farmer,41.46,7,none,1,0,1,microfinance,3101.59,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2018,urban,female,50,45-54,lowest,tertiary,self_employed,89.39,6,none,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,57,55+,fourth,primary,employed_informal,296.99,6,good,1,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,female,47,45-54,lowest,secondary,self_employed,36.82,3,good,0,404,1,informal_lender,1448.75,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2018,rural,male,62,55+,second,primary,self_employed,441.75,9,none,1,0,1,informal_lender,3022.31,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,urban,female,31,25-34,highest,none,farmer,709.67,1,limited,0,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,57,55+,fourth,none,self_employed,101.53,1,limited,0,274,1,employer,3916.69,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2020,rural,female,35,25-34,highest,primary,self_employed,2313.7,8,limited,1,774,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,50,45-54,highest,secondary,farmer,367.21,1,excellent,0,368,1,informal_lender,11665.67,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2020,rural,male,43,35-44,second,primary,farmer,227.75,6,none,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,female,65,55+,middle,primary,farmer,185.25,2,none,0,517,1,informal_lender,9939.14,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
South Africa,2020,rural,female,32,25-34,second,none,employed_informal,180.7,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,45,35-44,fourth,secondary,self_employed,475.62,2,none,1,405,1,informal_lender,6984.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2018,urban,female,26,25-34,second,secondary,self_employed,364.51,3,good,1,81,1,microfinance,5079.42,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2022,urban,female,50,45-54,lowest,secondary,farmer,77.38,6,none,0,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,19,18-24,lowest,tertiary,farmer,38.08,4,limited,0,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,urban,male,39,35-44,fourth,none,farmer,588.89,3,limited,1,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,urban,male,18,18-24,lowest,none,employed_informal,68.76,1,good,0,648,1,informal_lender,3454.89,guarantor,housing,1,3354.64,0.786,12,499.38,paid_off,not_applicable,low_burden
Niger,2021,rural,female,35,25-34,middle,secondary,farmer,51.83,1,none,0,215,1,microfinance,10803.1,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2021,rural,female,43,35-44,highest,primary,unemployed,435.84,1,good,0,203,1,sacco,4773.45,vehicle,business,1,4769.39,0.32,36,174.91,current,not_applicable,low_burden
Uganda,2019,urban,female,35,25-34,fourth,secondary,employed_informal,3664.53,3,good,0,425,1,digital_lender,26324.67,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Tanzania,2023,urban,male,38,35-44,second,secondary,employed_formal,50.57,5,good,0,402,1,informal_lender,1696.56,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2018,rural,male,25,18-24,lowest,none,employed_formal,71.31,9,excellent,0,662,1,family_friends,1683.49,none,housing,1,1513.66,0.073,18,90.24,current,not_applicable,low_burden
Mozambique,2023,urban,male,55,45-54,highest,tertiary,self_employed,835.72,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,female,59,55+,middle,none,self_employed,1079.02,8,good,1,167,1,commercial_bank,23619.86,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2024,rural,female,41,35-44,second,secondary,employed_informal,55.73,4,limited,1,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,female,20,18-24,highest,primary,self_employed,1063.4,5,good,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,21,18-24,lowest,secondary,farmer,97.38,8,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,53,45-54,second,none,farmer,159.62,10,limited,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,66,55+,lowest,tertiary,farmer,52.51,6,none,0,37,1,microfinance,2460.6,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2021,urban,male,62,55+,lowest,tertiary,unemployed,88.48,1,none,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,39,35-44,second,secondary,self_employed,145.72,9,good,0,122,1,informal_lender,4208.04,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2025,urban,female,43,35-44,fourth,secondary,farmer,395.32,6,excellent,1,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,26,25-34,second,secondary,self_employed,347.17,1,none,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,male,21,18-24,fourth,secondary,farmer,437.2,3,excellent,1,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,female,57,55+,fourth,secondary,unemployed,485.2,2,none,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,female,40,35-44,highest,secondary,farmer,1248.28,9,none,0,87,1,commercial_bank,12026.97,property,agriculture,1,11854.97,0.196,24,590.8,defaulted,not_applicable,low_burden
Malawi,2022,rural,female,43,35-44,lowest,tertiary,self_employed,117.95,9,good,0,799,1,family_friends,1979.28,savings,business,1,1652.54,0.071,12,147.46,current,not_applicable,low_burden
Uganda,2025,rural,female,35,25-34,fourth,secondary,employed_informal,821.64,2,excellent,0,366,1,sacco,5634.43,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2023,rural,male,34,25-34,lowest,primary,employed_informal,49.28,8,limited,1,513,1,informal_lender,1630.21,vehicle,agriculture,1,1405.17,0.845,18,144.01,current,not_applicable,low_burden
Mozambique,2025,urban,female,69,55+,fourth,tertiary,employed_informal,873.01,10,excellent,0,354,1,digital_lender,9165.04,guarantor,agriculture,1,8539.81,0.426,12,1014.47,current,not_applicable,low_burden
Uganda,2020,urban,female,60,55+,second,primary,employed_formal,73.04,10,good,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,urban,male,53,45-54,fourth,none,self_employed,101.61,8,good,0,757,1,employer,3971.81,savings,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
South Africa,2020,urban,female,38,35-44,lowest,tertiary,employed_formal,322.73,10,good,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,55,45-54,middle,primary,unemployed,236.27,2,none,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,35,25-34,lowest,none,self_employed,71.88,7,none,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,male,44,35-44,lowest,secondary,farmer,25.55,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,female,25,18-24,middle,secondary,self_employed,122.53,10,none,0,124,1,informal_lender,2394.44,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2021,rural,male,54,45-54,second,none,employed_informal,73.65,4,none,1,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,21,18-24,fourth,primary,employed_informal,771.51,8,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,55,45-54,fourth,none,farmer,229.69,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,male,49,45-54,middle,primary,employed_informal,158.11,5,limited,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,female,21,18-24,fourth,primary,farmer,292.12,10,none,0,568,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,44,35-44,fourth,none,employed_informal,745.73,3,none,0,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,male,29,25-34,highest,tertiary,self_employed,1219.61,8,none,1,94,1,family_friends,28972.75,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2021,rural,male,42,35-44,lowest,secondary,employed_formal,42.92,9,none,0,10,1,informal_lender,2233.13,savings,agriculture,1,1892.81,0.771,6,558.6,current,not_applicable,low_burden
Kenya,2023,rural,female,18,18-24,middle,secondary,self_employed,322.85,2,limited,1,320,1,digital_lender,5368.98,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2022,rural,male,55,45-54,fourth,tertiary,employed_informal,277.73,2,good,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,44,35-44,lowest,tertiary,farmer,70.95,2,limited,1,639,1,commercial_bank,6192.63,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2022,urban,female,36,35-44,second,secondary,employed_formal,174.78,8,limited,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,63,55+,second,primary,employed_informal,190.3,4,excellent,1,365,1,microfinance,2419.17,property,education,1,2221.65,0.335,18,164.77,current,not_applicable,low_burden
DRC,2018,urban,female,51,45-54,middle,secondary,employed_formal,159.78,10,limited,1,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,49,45-54,second,secondary,unemployed,172.43,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,female,25,18-24,middle,primary,self_employed,1149.17,2,none,0,56,1,sacco,6131.22,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2020,urban,female,44,35-44,middle,primary,self_employed,339.17,6,limited,0,669,1,family_friends,6110.04,vehicle,business,1,5986.56,0.015,12,506.17,defaulted,not_applicable,low_burden
Mali,2022,urban,female,54,45-54,middle,primary,self_employed,305.92,8,limited,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,female,66,55+,second,primary,farmer,114.37,7,good,1,668,1,sacco,1378.1,none,agriculture,1,1370.82,0.334,18,101.62,current,not_applicable,low_burden
Kenya,2021,urban,female,49,45-54,fourth,secondary,employed_informal,687.5,1,none,0,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,26,25-34,middle,primary,farmer,96.64,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,male,53,45-54,lowest,primary,farmer,295.62,6,limited,0,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,21,18-24,lowest,none,employed_formal,119.72,10,good,0,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,34,25-34,second,tertiary,employed_informal,77.26,1,limited,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,urban,male,65,55+,highest,primary,self_employed,1012.73,2,none,0,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,59,55+,second,primary,employed_formal,82.12,5,none,1,716,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,female,64,55+,lowest,secondary,employed_informal,110.81,4,none,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,36,35-44,lowest,secondary,self_employed,62.88,9,none,1,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,male,53,45-54,lowest,secondary,employed_informal,105.46,10,good,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,54,45-54,second,secondary,farmer,59.06,4,none,1,224,1,sacco,2231.1,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2020,rural,male,30,25-34,fourth,primary,self_employed,235.39,8,none,0,0,1,sacco,15234.6,none,consumption,1,13817.41,0.366,18,1048.28,current,not_applicable,low_burden
DRC,2025,rural,female,67,55+,second,tertiary,self_employed,270.58,1,none,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,male,68,55+,fourth,secondary,self_employed,338.55,6,limited,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,23,18-24,lowest,secondary,self_employed,9.47,7,none,1,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,female,57,55+,second,none,self_employed,109.17,9,none,1,476,1,commercial_bank,9826.1,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,rural,male,41,35-44,fourth,secondary,unemployed,1783.55,5,good,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,male,53,45-54,fourth,primary,self_employed,597.37,1,none,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,female,46,45-54,highest,primary,self_employed,441.16,5,excellent,1,639,1,digital_lender,9794.83,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2018,urban,female,29,25-34,second,secondary,farmer,174.67,1,none,1,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,22,18-24,middle,secondary,self_employed,321.89,1,limited,0,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,female,44,35-44,fourth,primary,employed_informal,143.87,2,limited,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,female,61,55+,lowest,tertiary,employed_informal,33.08,10,none,0,39,1,informal_lender,4170.54,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2020,urban,male,60,55+,fourth,primary,self_employed,650.12,3,limited,0,142,1,informal_lender,8974.26,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2023,urban,female,32,25-34,second,secondary,farmer,552.5,8,none,0,126,1,employer,4828.09,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2021,rural,female,62,55+,lowest,none,farmer,44.29,8,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,male,36,35-44,fourth,primary,farmer,987.55,9,good,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,47,45-54,fourth,tertiary,employed_formal,194.47,9,excellent,1,786,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,34,25-34,highest,none,farmer,62.08,10,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,45,35-44,highest,tertiary,self_employed,1667.34,5,limited,1,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,45,35-44,second,primary,unemployed,264.17,4,none,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,54,45-54,middle,secondary,farmer,499.52,8,none,1,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,42,35-44,highest,none,self_employed,1081.7,6,none,1,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,45,35-44,lowest,secondary,farmer,68.89,4,limited,1,535,1,commercial_bank,7328.57,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2019,rural,female,51,45-54,middle,tertiary,self_employed,166.86,2,limited,1,141,1,sacco,2196.37,none,business,1,2080.72,0.316,12,228.16,late_30_days,not_applicable,low_burden
Malawi,2020,rural,male,39,35-44,highest,secondary,employed_informal,568.97,1,limited,1,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,urban,male,45,35-44,lowest,primary,self_employed,65.11,5,excellent,0,486,1,microfinance,4780.0,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Rwanda,2022,rural,female,22,18-24,highest,secondary,employed_informal,501.72,4,good,1,850,1,digital_lender,4434.23,property,agriculture,1,4082.36,0.421,12,483.58,defaulted,not_applicable,low_burden
South Africa,2025,rural,male,63,55+,middle,secondary,employed_formal,56.29,6,none,0,723,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,24,18-24,highest,none,farmer,283.81,8,none,1,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,63,55+,middle,secondary,self_employed,266.11,2,limited,1,449,1,sacco,3569.9,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2021,urban,male,57,55+,fourth,secondary,farmer,102.48,5,none,1,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,67,55+,fourth,secondary,self_employed,120.64,5,none,0,509,1,family_friends,4713.75,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2022,urban,male,19,18-24,lowest,primary,farmer,71.12,10,none,0,565,1,family_friends,9379.74,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2020,rural,female,29,25-34,middle,primary,farmer,182.82,2,none,0,475,1,microfinance,9484.19,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2025,urban,female,20,18-24,highest,tertiary,farmer,795.5,9,limited,1,850,1,commercial_bank,8865.78,savings,asset_purchase,1,7837.19,0.229,24,401.49,late_30_days,not_applicable,low_burden
South Africa,2020,rural,male,39,35-44,highest,secondary,self_employed,125.51,7,limited,0,425,1,sacco,3599.17,none,business,1,3135.96,0.308,12,341.9,current,not_applicable,low_burden
Mali,2022,rural,female,65,55+,highest,secondary,unemployed,1968.43,4,good,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,57,55+,middle,tertiary,self_employed,73.18,8,excellent,0,669,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,female,54,45-54,middle,primary,farmer,168.28,8,good,0,738,1,informal_lender,6223.61,property,consumption,1,5743.34,0.761,6,1686.04,current,not_applicable,low_burden
South Africa,2025,urban,male,62,55+,middle,primary,self_employed,123.36,5,none,1,691,1,commercial_bank,7808.5,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,urban,female,18,18-24,middle,secondary,employed_informal,740.73,6,limited,0,68,1,informal_lender,2445.17,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2020,rural,female,58,55+,middle,secondary,self_employed,268.62,4,none,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,male,34,25-34,lowest,tertiary,self_employed,64.52,10,excellent,0,850,1,informal_lender,2468.52,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2023,rural,female,53,45-54,lowest,secondary,employed_informal,41.17,3,limited,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,male,57,55+,middle,primary,self_employed,338.33,6,none,0,133,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,female,53,45-54,second,primary,employed_informal,75.62,3,limited,0,492,1,informal_lender,1508.23,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2023,urban,male,39,35-44,second,none,unemployed,236.24,1,limited,1,60,1,microfinance,3908.95,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2022,rural,female,49,45-54,lowest,tertiary,self_employed,41.03,10,excellent,0,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,42,35-44,fourth,none,employed_informal,474.41,2,none,1,401,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,50,45-54,highest,secondary,farmer,932.92,9,none,1,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,female,41,35-44,middle,primary,self_employed,132.0,9,excellent,1,342,1,family_friends,1662.37,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2018,rural,female,38,35-44,highest,none,farmer,157.81,4,limited,0,772,1,employer,1284.42,savings,agriculture,1,1116.32,0.042,12,96.9,current,not_applicable,low_burden
Nigeria,2018,rural,female,28,25-34,highest,primary,self_employed,558.66,4,none,0,67,1,digital_lender,2846.91,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2021,urban,female,38,35-44,lowest,secondary,employed_formal,32.58,4,limited,0,54,1,family_friends,1462.75,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2022,rural,male,55,45-54,lowest,none,employed_informal,63.65,8,limited,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,63,55+,lowest,tertiary,farmer,50.34,7,none,1,137,1,digital_lender,3435.41,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2019,urban,male,23,18-24,lowest,tertiary,farmer,59.54,10,none,1,0,1,commercial_bank,1583.86,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2023,rural,male,27,25-34,middle,none,farmer,80.76,3,none,0,678,1,informal_lender,1731.39,property,agriculture,1,1644.47,0.759,6,482.04,late_30_days,not_applicable,low_burden
Tanzania,2024,rural,female,44,35-44,second,tertiary,employed_formal,278.4,7,none,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,54,45-54,highest,primary,farmer,483.35,7,none,0,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,urban,male,26,25-34,middle,none,self_employed,1549.46,4,none,1,724,1,microfinance,11974.82,property,agriculture,1,9882.03,0.278,12,1052.7,current,not_applicable,low_burden
Malawi,2018,rural,male,34,25-34,second,primary,farmer,124.31,4,limited,0,15,1,family_friends,4101.03,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2023,rural,female,20,18-24,highest,secondary,employed_informal,849.31,2,limited,0,728,1,family_friends,20623.0,none,housing,1,19462.3,0.005,24,814.78,late_30_days,not_applicable,low_burden
Senegal,2024,urban,male,20,18-24,highest,secondary,farmer,1018.17,10,none,0,667,1,informal_lender,13990.29,property,housing,1,12622.22,0.795,24,944.26,defaulted,not_applicable,low_burden
Kenya,2024,urban,male,25,18-24,fourth,primary,unemployed,624.79,1,none,0,144,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,male,55,45-54,fourth,secondary,employed_informal,1057.01,8,none,1,15,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,male,63,55+,highest,secondary,farmer,2145.82,7,none,0,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,male,43,35-44,middle,secondary,self_employed,58.07,6,excellent,0,850,1,informal_lender,1381.02,none,debt_consolidation,1,1127.4,0.796,12,168.72,current,not_applicable,low_burden
Nigeria,2022,rural,female,27,25-34,highest,secondary,employed_informal,1208.54,4,none,1,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,urban,male,65,55+,lowest,secondary,employed_informal,127.27,4,good,1,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,32,25-34,middle,secondary,farmer,305.96,5,limited,0,528,1,family_friends,3304.2,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2022,rural,female,26,25-34,middle,none,employed_informal,663.22,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,25,18-24,lowest,secondary,employed_formal,306.51,9,good,0,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,36,35-44,lowest,primary,unemployed,113.47,1,good,0,628,1,informal_lender,5211.48,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2024,urban,female,56,55+,lowest,secondary,self_employed,61.43,3,limited,0,387,1,informal_lender,1534.98,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2018,urban,female,38,35-44,second,secondary,farmer,78.54,7,none,0,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,41,35-44,lowest,primary,self_employed,102.15,1,limited,1,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,35,25-34,second,none,self_employed,468.71,1,none,1,323,1,sacco,4821.56,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2022,rural,female,67,55+,fourth,secondary,farmer,79.7,3,none,1,739,1,informal_lender,1037.56,none,consumption,1,1004.27,0.823,12,152.59,defaulted,not_applicable,low_burden
South Africa,2023,urban,female,53,45-54,middle,secondary,employed_formal,638.25,10,good,0,798,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,male,52,45-54,fourth,secondary,employed_informal,275.86,9,limited,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,female,40,35-44,lowest,secondary,self_employed,16.98,1,none,0,0,1,informal_lender,725.12,equipment,asset_purchase,1,659.83,0.804,48,24.8,late_30_days,not_applicable,low_burden
Mozambique,2024,rural,female,45,35-44,fourth,primary,unemployed,458.01,1,good,0,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,male,64,55+,lowest,primary,self_employed,169.85,1,none,0,94,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,female,52,45-54,second,secondary,unemployed,94.86,1,good,0,296,1,microfinance,6603.67,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2021,rural,male,60,55+,middle,primary,farmer,95.41,10,good,1,235,1,commercial_bank,3437.03,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2021,urban,male,20,18-24,highest,secondary,self_employed,3283.88,5,none,0,460,1,informal_lender,8743.25,equipment,agriculture,1,8279.61,0.836,24,633.4,current,not_applicable,low_burden
Zambia,2018,urban,female,62,55+,highest,primary,self_employed,620.34,8,none,0,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,67,55+,fourth,none,employed_informal,742.44,7,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,urban,male,52,45-54,fourth,secondary,self_employed,170.58,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,male,67,55+,middle,secondary,employed_formal,267.61,10,excellent,1,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,female,47,45-54,middle,secondary,self_employed,262.32,3,none,0,378,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,male,32,25-34,lowest,primary,employed_informal,165.62,5,none,0,19,1,family_friends,2886.5,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Rwanda,2020,rural,female,49,45-54,second,secondary,unemployed,344.95,1,limited,1,428,1,microfinance,14505.86,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2019,rural,female,50,45-54,highest,primary,self_employed,375.69,6,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,urban,female,25,18-24,highest,secondary,self_employed,1426.33,3,none,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,28,25-34,second,secondary,self_employed,46.61,8,limited,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,female,33,25-34,lowest,primary,employed_informal,34.25,9,none,0,158,1,digital_lender,1401.84,savings,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2025,urban,male,46,45-54,lowest,secondary,self_employed,59.95,9,none,1,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,25,18-24,middle,secondary,farmer,266.36,9,good,1,540,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,female,58,55+,lowest,secondary,self_employed,290.65,7,limited,0,699,1,family_friends,6430.78,property,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2018,rural,male,23,18-24,middle,secondary,self_employed,734.79,8,limited,1,618,1,informal_lender,11823.68,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2019,urban,male,66,55+,lowest,none,farmer,70.1,7,limited,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,female,53,45-54,lowest,tertiary,employed_formal,74.6,10,limited,1,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,male,35,25-34,second,primary,farmer,350.17,1,none,0,0,1,informal_lender,12408.04,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2019,rural,female,37,35-44,fourth,primary,employed_formal,563.45,5,excellent,0,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,54,45-54,second,secondary,unemployed,107.74,1,none,0,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,22,18-24,middle,primary,unemployed,210.94,3,good,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,55,45-54,middle,tertiary,farmer,185.15,9,good,1,785,1,digital_lender,2427.46,savings,consumption,1,2002.03,0.487,6,496.27,late_30_days,not_applicable,low_burden
Malawi,2022,rural,female,46,45-54,fourth,primary,employed_formal,284.99,4,limited,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,29,25-34,second,primary,self_employed,95.52,2,limited,1,550,1,microfinance,1343.24,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2019,rural,male,64,55+,fourth,none,farmer,303.25,9,none,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,50,45-54,second,none,self_employed,91.31,4,none,0,195,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,female,26,25-34,middle,none,self_employed,90.34,1,limited,0,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,female,52,45-54,second,none,self_employed,221.88,7,none,0,534,1,informal_lender,2241.84,guarantor,education,1,1863.04,0.767,18,182.9,late_60_days,not_applicable,low_burden
DRC,2023,urban,female,39,35-44,highest,primary,employed_formal,1421.83,10,none,1,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,57,55+,highest,primary,self_employed,2469.9,10,limited,0,628,1,sacco,17644.19,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2018,rural,female,43,35-44,fourth,primary,employed_formal,427.08,10,none,0,711,1,informal_lender,18647.71,none,agriculture,1,18195.07,0.754,36,886.57,late_60_days,not_applicable,low_burden
South Africa,2023,urban,male,69,55+,highest,primary,self_employed,739.85,1,none,0,300,1,informal_lender,11127.8,guarantor,business,1,9941.19,0.821,36,502.76,current,not_applicable,low_burden
Tanzania,2022,urban,male,66,55+,lowest,none,self_employed,57.96,2,limited,1,760,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,20,18-24,middle,none,employed_informal,206.74,9,none,1,0,1,microfinance,2845.32,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2025,rural,female,39,35-44,lowest,primary,employed_formal,88.71,10,none,0,575,1,family_friends,6160.54,guarantor,business,1,5293.0,0.001,12,441.52,late_30_days,not_applicable,low_burden
Mali,2018,urban,female,28,25-34,second,primary,unemployed,152.48,1,none,1,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,41,35-44,middle,none,self_employed,106.61,4,limited,0,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,25,18-24,fourth,primary,self_employed,293.25,9,excellent,0,640,1,sacco,3666.22,none,consumption,1,3313.44,0.309,18,241.03,current,not_applicable,low_burden
Rwanda,2025,rural,female,45,35-44,fourth,tertiary,farmer,333.93,10,none,0,307,1,commercial_bank,3106.2,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2025,rural,male,26,25-34,highest,primary,self_employed,1114.9,9,limited,1,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,50,45-54,middle,none,self_employed,70.69,5,none,0,106,1,family_friends,2263.49,guarantor,emergency,1,1978.98,0.005,18,110.54,current,not_applicable,low_burden
Nigeria,2024,rural,female,41,35-44,highest,secondary,self_employed,799.41,8,limited,0,850,1,digital_lender,5115.26,none,housing,1,5088.48,0.446,24,306.56,current,not_applicable,low_burden
DRC,2019,rural,female,69,55+,highest,primary,employed_informal,775.18,1,none,1,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,male,63,55+,fourth,none,self_employed,358.6,10,good,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,rural,male,49,45-54,lowest,secondary,employed_informal,39.94,3,limited,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,urban,female,41,35-44,middle,secondary,unemployed,178.2,6,limited,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,male,55,45-54,fourth,tertiary,self_employed,542.88,1,none,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,male,52,45-54,highest,tertiary,employed_informal,1461.31,10,good,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,25,18-24,lowest,secondary,self_employed,139.32,6,none,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,37,35-44,second,secondary,employed_formal,82.4,9,limited,0,581,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,69,55+,second,primary,self_employed,106.42,7,good,1,595,1,commercial_bank,2130.65,vehicle,asset_purchase,1,1788.47,0.175,36,58.37,paid_off,not_applicable,low_burden
Ethiopia,2022,rural,male,34,25-34,second,tertiary,farmer,26.12,5,limited,0,69,1,informal_lender,3896.49,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2022,urban,male,18,18-24,fourth,secondary,farmer,530.99,10,good,0,413,1,sacco,4517.86,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2021,urban,female,61,55+,lowest,primary,farmer,136.55,2,limited,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,female,66,55+,second,none,self_employed,543.48,7,good,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,52,45-54,fourth,secondary,self_employed,94.42,3,none,0,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,51,45-54,second,secondary,employed_formal,56.64,4,none,0,82,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,36,35-44,lowest,secondary,self_employed,66.63,7,limited,1,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,female,36,35-44,middle,primary,self_employed,96.11,7,limited,0,76,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,65,55+,middle,secondary,employed_formal,225.62,5,limited,0,95,1,family_friends,1688.42,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2024,rural,male,62,55+,highest,none,employed_informal,1027.02,8,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,43,35-44,fourth,secondary,employed_formal,134.48,10,limited,1,350,1,commercial_bank,5062.72,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2021,urban,male,34,25-34,highest,primary,employed_informal,1086.95,7,none,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,male,27,25-34,lowest,primary,employed_formal,25.78,6,none,1,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,18,18-24,fourth,primary,self_employed,863.6,1,good,0,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,female,43,35-44,middle,primary,self_employed,344.8,1,none,0,16,1,employer,2922.44,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2024,urban,male,46,45-54,fourth,primary,self_employed,314.28,7,none,1,669,1,commercial_bank,2871.39,property,agriculture,1,2601.52,0.215,12,263.31,current,not_applicable,low_burden
Ethiopia,2020,urban,female,53,45-54,second,secondary,employed_informal,76.07,3,limited,1,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,59,55+,lowest,primary,self_employed,118.0,4,none,1,378,1,microfinance,5151.36,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2020,rural,female,37,35-44,lowest,secondary,farmer,155.85,1,limited,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,male,26,25-34,fourth,secondary,employed_informal,286.65,5,limited,0,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,female,61,55+,fourth,none,employed_informal,361.61,2,limited,0,834,1,informal_lender,3417.56,none,business,1,2961.26,0.815,6,895.56,late_30_days,not_applicable,low_burden
Nigeria,2018,rural,male,57,55+,lowest,tertiary,self_employed,35.58,5,good,0,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,male,45,35-44,middle,secondary,employed_informal,886.39,6,good,0,687,1,commercial_bank,5757.25,vehicle,agriculture,1,4795.92,0.17,24,233.85,current,not_applicable,low_burden
Ghana,2024,urban,male,20,18-24,fourth,secondary,employed_informal,129.32,10,limited,1,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,42,35-44,middle,secondary,self_employed,491.88,3,excellent,1,160,1,commercial_bank,6124.3,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2022,urban,female,50,45-54,second,secondary,self_employed,138.97,4,none,0,369,1,sacco,3039.3,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2025,urban,male,62,55+,highest,tertiary,farmer,942.17,9,none,0,405,1,microfinance,5983.59,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2024,urban,male,44,35-44,middle,none,farmer,235.07,10,limited,0,418,1,family_friends,1090.61,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2018,urban,female,42,35-44,fourth,none,self_employed,581.75,5,limited,0,18,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,37,35-44,middle,secondary,self_employed,120.0,4,none,0,447,1,family_friends,3069.26,guarantor,agriculture,1,2873.75,0.051,36,83.89,defaulted,not_applicable,low_burden
Zambia,2018,urban,male,39,35-44,fourth,primary,unemployed,1031.93,4,none,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,18,18-24,lowest,secondary,self_employed,193.95,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,23,18-24,highest,primary,unemployed,333.6,4,none,0,287,1,informal_lender,13465.02,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2023,rural,female,57,55+,second,primary,farmer,193.55,7,none,1,14,1,microfinance,6006.96,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2018,urban,male,36,35-44,fourth,tertiary,employed_informal,383.28,2,good,0,848,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,male,62,55+,highest,none,employed_informal,1027.07,3,good,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,female,38,35-44,middle,primary,employed_informal,581.68,1,limited,0,419,1,informal_lender,5096.78,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2021,rural,male,69,55+,middle,secondary,farmer,124.77,4,limited,1,74,1,commercial_bank,4584.82,guarantor,education,1,3793.46,0.185,24,187.29,current,not_applicable,low_burden
Rwanda,2025,rural,female,27,25-34,lowest,secondary,employed_informal,115.23,9,none,1,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,female,27,25-34,second,secondary,farmer,249.21,3,limited,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,male,48,45-54,middle,primary,self_employed,260.47,8,limited,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,59,55+,lowest,tertiary,farmer,116.22,5,good,1,692,1,microfinance,4898.34,none,agriculture,1,4187.62,0.293,6,902.16,current,not_applicable,low_burden
Zambia,2019,rural,male,25,18-24,lowest,secondary,farmer,71.68,2,none,1,237,1,family_friends,1675.38,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2019,rural,male,44,35-44,highest,secondary,employed_formal,295.15,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,female,29,25-34,second,none,employed_informal,118.35,7,good,0,275,1,sacco,7199.18,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,rural,female,56,55+,second,primary,self_employed,58.36,8,none,0,192,1,microfinance,2823.99,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2021,urban,male,47,45-54,second,secondary,farmer,149.11,4,good,1,235,1,commercial_bank,3077.15,savings,agriculture,1,2761.65,0.208,36,92.63,current,not_applicable,low_burden
Nigeria,2024,rural,male,52,45-54,middle,secondary,farmer,512.78,10,none,0,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,31,25-34,middle,none,self_employed,300.38,1,good,0,756,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,33,25-34,fourth,secondary,farmer,120.97,6,limited,1,401,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,urban,female,51,45-54,middle,secondary,self_employed,246.4,3,none,1,651,1,sacco,11769.59,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2020,rural,male,36,35-44,lowest,primary,employed_formal,70.94,10,none,1,657,1,informal_lender,799.47,none,emergency,1,707.34,0.797,6,211.81,current,not_applicable,low_burden
Niger,2024,urban,female,53,45-54,middle,secondary,unemployed,502.29,4,limited,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,26,25-34,lowest,primary,self_employed,38.2,1,good,0,756,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,33,25-34,fourth,tertiary,farmer,206.88,4,good,1,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,rural,female,23,18-24,lowest,secondary,self_employed,57.91,8,none,0,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,female,22,18-24,lowest,secondary,self_employed,133.84,6,good,0,324,1,digital_lender,1755.93,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,urban,male,31,25-34,second,tertiary,employed_informal,213.3,5,limited,0,56,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,43,35-44,lowest,secondary,self_employed,48.38,2,none,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,female,25,18-24,middle,primary,employed_informal,1018.97,6,none,0,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,male,22,18-24,second,secondary,farmer,168.87,1,good,1,819,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,63,55+,highest,tertiary,employed_informal,760.45,4,limited,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,44,35-44,lowest,none,employed_informal,56.54,3,none,0,17,1,digital_lender,3716.58,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2022,urban,female,55,45-54,middle,secondary,self_employed,647.34,7,limited,1,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,urban,female,55,45-54,fourth,none,self_employed,734.07,5,good,1,328,1,commercial_bank,10499.12,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2023,urban,female,23,18-24,lowest,secondary,self_employed,112.01,5,none,1,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,female,50,45-54,middle,secondary,farmer,89.31,9,none,1,491,1,informal_lender,8135.56,vehicle,education,1,7990.02,0.814,48,301.92,current,not_applicable,low_burden
Niger,2020,rural,male,62,55+,highest,tertiary,farmer,1428.15,4,none,1,770,1,microfinance,2361.27,guarantor,business,1,2196.44,0.273,24,116.52,late_30_days,not_applicable,low_burden
Nigeria,2019,urban,female,41,35-44,fourth,secondary,self_employed,835.6,8,none,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,rural,female,62,55+,highest,none,self_employed,1351.23,9,none,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,female,67,55+,fourth,secondary,employed_informal,338.4,2,good,0,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,male,46,45-54,second,tertiary,self_employed,115.11,8,none,1,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,male,23,18-24,highest,primary,unemployed,872.05,1,good,0,498,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,female,50,45-54,lowest,none,self_employed,443.02,7,excellent,1,487,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,male,63,55+,middle,secondary,unemployed,136.81,1,none,0,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,48,45-54,fourth,secondary,employed_informal,143.73,3,none,0,83,1,digital_lender,6122.83,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2023,rural,female,59,55+,highest,none,farmer,511.34,9,none,0,837,1,microfinance,2872.66,savings,business,1,2338.01,0.281,6,499.2,defaulted,not_applicable,low_burden
South Africa,2018,rural,female,45,35-44,highest,primary,farmer,457.2,2,limited,0,764,1,microfinance,7456.74,property,business,1,6178.97,0.329,6,1368.6,current,not_applicable,low_burden
Mali,2018,urban,male,39,35-44,lowest,primary,farmer,217.07,6,limited,1,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,67,55+,fourth,secondary,farmer,127.63,8,limited,1,260,1,family_friends,3355.54,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
South Africa,2024,rural,male,25,18-24,lowest,primary,employed_formal,40.67,10,good,1,558,1,microfinance,3701.27,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Uganda,2023,urban,female,41,35-44,fourth,primary,farmer,562.1,3,good,0,520,1,microfinance,5468.55,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2024,rural,female,26,25-34,fourth,secondary,self_employed,801.21,4,limited,0,661,1,family_friends,13308.6,guarantor,asset_purchase,1,12207.24,0.074,12,1092.98,defaulted,not_applicable,low_burden
Niger,2018,urban,male,52,45-54,lowest,primary,self_employed,148.04,6,good,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,male,65,55+,fourth,secondary,employed_formal,1024.16,9,excellent,1,636,1,family_friends,4869.76,none,business,1,4115.42,0.032,12,353.95,current,not_applicable,low_burden
Kenya,2020,rural,male,69,55+,second,primary,employed_informal,154.53,2,limited,1,829,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,30,25-34,middle,primary,unemployed,173.43,2,none,0,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,male,55,45-54,highest,secondary,employed_informal,1208.59,1,good,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,63,55+,middle,secondary,self_employed,76.81,7,good,1,225,1,commercial_bank,2717.42,savings,business,1,2280.3,0.225,6,465.4,paid_off,not_applicable,low_burden
Nigeria,2022,urban,male,61,55+,middle,tertiary,employed_informal,90.14,8,limited,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,male,44,35-44,lowest,primary,self_employed,177.99,5,limited,1,248,1,commercial_bank,4470.26,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2023,urban,male,27,25-34,lowest,none,farmer,104.14,3,none,0,70,1,employer,8802.03,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2019,urban,male,42,35-44,lowest,primary,unemployed,176.46,1,limited,0,384,1,commercial_bank,6541.26,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2021,urban,male,58,55+,second,secondary,self_employed,99.65,7,good,0,302,1,digital_lender,3575.57,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2022,rural,male,50,45-54,second,primary,employed_informal,298.17,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,38,35-44,middle,tertiary,employed_formal,477.02,10,none,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,29,25-34,fourth,secondary,employed_informal,481.32,10,none,0,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,rural,female,51,45-54,lowest,primary,self_employed,69.65,5,none,0,540,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,40,35-44,middle,primary,unemployed,380.38,1,none,0,704,1,informal_lender,7910.99,none,business,1,7891.31,0.835,36,402.22,current,not_applicable,low_burden
Niger,2025,rural,female,42,35-44,highest,none,employed_formal,364.53,10,good,0,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,66,55+,lowest,secondary,self_employed,46.01,8,none,0,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,18,18-24,middle,secondary,farmer,252.17,2,good,0,553,1,family_friends,8777.31,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2022,urban,male,30,25-34,lowest,tertiary,self_employed,66.73,10,limited,0,58,1,digital_lender,3379.79,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Zambia,2025,urban,male,65,55+,middle,secondary,farmer,106.67,3,limited,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,male,65,55+,fourth,none,self_employed,405.35,6,limited,0,832,1,digital_lender,2987.95,guarantor,asset_purchase,1,2814.34,0.452,6,681.28,defaulted,not_applicable,low_burden
Ghana,2021,rural,female,33,25-34,lowest,primary,employed_informal,108.15,2,good,0,84,1,family_friends,4763.47,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2019,urban,male,69,55+,second,none,self_employed,382.33,5,none,1,180,1,informal_lender,5309.12,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2022,rural,female,29,25-34,highest,tertiary,self_employed,963.85,7,none,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,20,18-24,lowest,secondary,farmer,106.82,2,limited,0,455,1,microfinance,2630.67,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2025,urban,female,33,25-34,fourth,secondary,employed_informal,981.98,3,none,0,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,female,45,35-44,middle,secondary,self_employed,211.47,8,none,1,0,1,commercial_bank,2662.4,none,emergency,1,2290.98,0.194,48,56.99,current,not_applicable,low_burden
Mali,2020,urban,female,18,18-24,lowest,none,unemployed,20.39,6,good,0,189,1,family_friends,2410.02,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,urban,female,26,25-34,fourth,secondary,self_employed,1107.84,10,limited,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,female,59,55+,middle,secondary,employed_informal,107.02,8,none,1,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,50,45-54,lowest,primary,unemployed,40.72,6,limited,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,male,49,45-54,highest,primary,employed_informal,306.72,2,none,0,83,1,digital_lender,6724.3,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,urban,male,69,55+,middle,secondary,farmer,1698.54,3,none,1,671,1,digital_lender,5522.1,savings,housing,1,4448.4,0.459,12,540.97,late_30_days,not_applicable,low_burden
Niger,2025,urban,male,29,25-34,fourth,tertiary,employed_formal,669.61,8,none,0,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,female,64,55+,lowest,none,farmer,29.05,10,none,1,40,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,male,36,35-44,lowest,tertiary,employed_informal,55.7,8,none,1,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,66,55+,fourth,tertiary,self_employed,491.67,4,limited,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,female,58,55+,fourth,tertiary,unemployed,482.03,1,none,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,29,25-34,second,none,self_employed,147.5,7,none,0,602,1,microfinance,1902.97,none,housing,1,1824.99,0.301,18,131.86,current,not_applicable,low_burden
Niger,2018,rural,female,28,25-34,fourth,primary,employed_informal,172.14,4,none,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,urban,male,46,45-54,middle,secondary,employed_formal,372.53,6,none,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,44,35-44,second,primary,employed_formal,117.98,6,limited,0,591,1,family_friends,10521.26,none,education,1,9631.66,0.006,18,538.44,late_30_days,not_applicable,low_burden
Mozambique,2022,rural,female,30,25-34,fourth,none,employed_informal,686.19,3,none,0,117,1,digital_lender,11430.38,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2020,urban,male,31,25-34,middle,secondary,self_employed,310.36,4,limited,0,773,1,digital_lender,5234.46,property,consumption,1,4513.5,0.48,12,556.84,paid_off,not_applicable,low_burden
Mali,2021,urban,female,64,55+,middle,none,self_employed,175.35,7,limited,1,507,1,commercial_bank,5695.0,property,debt_consolidation,1,5156.62,0.176,12,505.37,late_30_days,not_applicable,low_burden
Rwanda,2021,rural,male,57,55+,fourth,primary,unemployed,534.1,1,none,1,680,1,commercial_bank,4660.84,property,consumption,1,4564.36,0.214,24,230.92,current,not_applicable,low_burden
Tanzania,2020,urban,female,27,25-34,middle,tertiary,farmer,390.17,5,limited,0,216,1,informal_lender,4909.02,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2023,urban,female,55,45-54,highest,primary,unemployed,710.46,6,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,urban,male,26,25-34,fourth,tertiary,self_employed,820.06,10,limited,1,243,1,sacco,7418.48,equipment,education,1,6028.92,0.307,6,1313.76,current,not_applicable,low_burden
Zambia,2024,rural,female,41,35-44,second,primary,self_employed,188.42,9,none,0,482,1,family_friends,7264.73,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2020,rural,female,18,18-24,second,primary,self_employed,281.35,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,female,51,45-54,highest,none,self_employed,1091.62,2,limited,0,296,1,informal_lender,3516.23,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2020,urban,female,27,25-34,highest,primary,employed_informal,852.83,9,excellent,1,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,30,25-34,lowest,primary,farmer,27.52,5,none,0,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,27,25-34,second,secondary,farmer,138.24,5,limited,1,110,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,female,27,25-34,second,tertiary,employed_informal,229.89,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,22,18-24,highest,none,self_employed,688.25,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,male,46,45-54,highest,none,employed_informal,80.7,8,none,1,208,1,microfinance,1577.6,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2022,rural,male,63,55+,fourth,secondary,self_employed,530.33,3,limited,1,639,1,informal_lender,2951.05,property,business,1,2792.87,0.751,12,407.63,current,not_applicable,low_burden
Mali,2022,urban,male,33,25-34,second,primary,self_employed,95.57,3,limited,0,147,1,commercial_bank,5190.55,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2019,rural,male,58,55+,highest,primary,unemployed,1073.12,4,limited,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,male,46,45-54,lowest,primary,self_employed,295.54,8,limited,1,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,rural,male,31,25-34,second,primary,self_employed,101.63,9,limited,0,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,21,18-24,second,secondary,farmer,164.89,8,limited,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,58,55+,middle,none,unemployed,204.64,1,limited,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,male,19,18-24,middle,secondary,farmer,288.94,5,none,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,39,35-44,lowest,primary,self_employed,64.76,5,good,1,647,1,digital_lender,2511.11,guarantor,business,1,2442.18,0.413,24,143.75,current,not_applicable,low_burden
Ethiopia,2021,rural,male,19,18-24,lowest,primary,self_employed,41.95,4,none,1,72,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,58,55+,fourth,secondary,farmer,261.09,5,none,1,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,female,69,55+,lowest,primary,farmer,183.4,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,female,34,25-34,middle,tertiary,unemployed,271.86,3,limited,1,555,1,sacco,2719.96,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2018,urban,female,34,25-34,lowest,secondary,self_employed,160.72,10,none,0,237,1,sacco,3347.76,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2018,rural,male,47,45-54,second,tertiary,farmer,160.4,7,limited,0,144,1,informal_lender,2615.15,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2020,rural,male,44,35-44,second,primary,employed_informal,240.17,10,limited,0,747,1,employer,1897.12,none,business,1,1715.18,0.016,12,145.18,current,not_applicable,low_burden
South Africa,2024,urban,female,37,35-44,fourth,primary,employed_formal,262.73,10,none,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,urban,female,37,35-44,second,primary,employed_informal,191.82,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,rural,female,27,25-34,second,secondary,employed_formal,172.8,6,good,0,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,31,25-34,fourth,secondary,self_employed,1215.83,6,good,0,328,1,digital_lender,18259.16,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,urban,male,48,45-54,lowest,primary,self_employed,583.75,2,good,0,850,1,informal_lender,5845.78,guarantor,education,1,5800.07,0.823,6,1762.35,late_30_days,not_applicable,low_burden
Malawi,2020,rural,male,56,55+,fourth,none,farmer,438.6,10,none,1,0,1,microfinance,12320.51,guarantor,asset_purchase,1,10427.28,0.273,12,1106.34,paid_off,not_applicable,low_burden
Uganda,2023,urban,female,57,55+,lowest,primary,self_employed,56.57,2,good,0,421,1,digital_lender,1060.58,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2018,urban,female,44,35-44,highest,none,employed_informal,428.96,3,good,1,518,1,commercial_bank,7651.46,none,emergency,1,7224.84,0.212,18,486.45,current,not_applicable,low_burden
DRC,2018,rural,male,57,55+,lowest,primary,farmer,31.97,10,limited,0,525,1,sacco,851.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2024,urban,female,48,45-54,middle,secondary,employed_informal,173.54,2,limited,0,509,1,sacco,17097.87,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2022,rural,male,36,35-44,middle,tertiary,employed_formal,26.25,9,none,1,316,1,digital_lender,664.42,savings,emergency,1,587.99,0.469,48,18.0,defaulted,not_applicable,low_burden
Uganda,2020,rural,female,36,35-44,middle,none,unemployed,124.63,2,limited,0,686,1,digital_lender,10153.3,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,rural,male,44,35-44,fourth,none,employed_formal,544.59,6,good,0,102,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,female,33,25-34,lowest,primary,employed_informal,63.5,4,limited,1,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,male,57,55+,second,none,self_employed,101.22,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,female,27,25-34,highest,secondary,self_employed,318.29,8,none,0,256,1,informal_lender,4959.94,savings,agriculture,1,4343.98,0.782,12,645.2,paid_off,not_applicable,low_burden
Niger,2018,rural,female,20,18-24,highest,none,self_employed,1385.21,6,limited,0,325,1,sacco,8092.5,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2020,urban,male,43,35-44,middle,tertiary,farmer,426.92,6,limited,1,752,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,female,21,18-24,middle,tertiary,self_employed,198.2,4,limited,1,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,27,25-34,fourth,primary,self_employed,70.57,7,excellent,0,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,female,37,35-44,fourth,tertiary,unemployed,348.9,1,none,1,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,male,18,18-24,highest,secondary,employed_formal,1342.01,4,none,1,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,female,29,25-34,fourth,tertiary,self_employed,323.22,8,none,1,59,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,female,46,45-54,second,primary,employed_informal,206.99,2,good,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,female,37,35-44,middle,tertiary,employed_formal,482.09,10,good,1,495,1,commercial_bank,8436.25,guarantor,asset_purchase,1,7822.6,0.182,18,513.77,late_30_days,not_applicable,low_burden
South Africa,2022,urban,male,64,55+,middle,primary,unemployed,332.5,1,good,1,850,1,sacco,2909.25,none,agriculture,1,2682.0,0.363,12,304.68,late_30_days,not_applicable,low_burden
Malawi,2018,rural,female,22,18-24,lowest,primary,farmer,94.93,3,good,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,55,45-54,fourth,tertiary,employed_informal,182.7,10,none,1,477,1,sacco,6444.55,equipment,asset_purchase,1,5628.9,0.277,36,199.67,defaulted,not_applicable,low_burden
Malawi,2022,rural,male,48,45-54,middle,primary,self_employed,84.98,3,none,0,383,1,informal_lender,4970.33,guarantor,education,1,4349.53,0.786,36,215.83,current,not_applicable,low_burden
Kenya,2022,rural,male,51,45-54,lowest,primary,employed_informal,84.14,10,limited,1,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,male,52,45-54,fourth,none,farmer,793.14,3,none,1,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,male,20,18-24,second,none,self_employed,260.24,7,limited,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,59,55+,lowest,primary,unemployed,66.05,3,none,0,662,1,family_friends,2707.92,savings,business,1,2426.24,0.039,12,210.09,paid_off,not_applicable,low_burden
Mali,2023,rural,female,35,25-34,middle,primary,employed_informal,159.41,7,none,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,51,45-54,fourth,secondary,employed_informal,382.22,3,limited,1,402,1,sacco,6273.49,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2021,urban,male,33,25-34,middle,secondary,unemployed,389.1,4,none,0,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,female,38,35-44,lowest,none,unemployed,81.93,1,excellent,0,513,1,sacco,9316.84,guarantor,education,1,9303.49,0.366,6,2118.59,current,not_applicable,low_burden
Ethiopia,2021,rural,female,54,45-54,middle,secondary,employed_informal,1240.56,9,none,0,638,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,66,55+,lowest,secondary,self_employed,31.62,4,good,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,63,55+,highest,secondary,unemployed,6351.92,5,none,1,413,1,commercial_bank,24538.11,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2019,rural,female,55,45-54,second,secondary,farmer,50.33,10,good,1,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,female,46,45-54,highest,tertiary,self_employed,869.82,8,limited,0,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,45,35-44,lowest,none,farmer,26.1,5,none,1,272,1,commercial_bank,1170.39,property,agriculture,1,1123.23,0.228,18,76.6,current,not_applicable,low_burden
Mali,2023,rural,female,68,55+,lowest,secondary,unemployed,74.64,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,male,28,25-34,second,tertiary,self_employed,359.89,4,none,0,0,1,informal_lender,8269.75,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2024,urban,female,67,55+,fourth,secondary,employed_informal,503.27,4,good,0,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,51,45-54,highest,none,self_employed,1312.22,5,none,0,72,1,sacco,6399.29,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2022,rural,female,50,45-54,middle,secondary,farmer,148.67,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,48,45-54,second,secondary,self_employed,28.89,8,limited,1,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,60,55+,lowest,primary,employed_informal,93.41,9,limited,0,473,1,informal_lender,1987.72,savings,agriculture,1,1735.79,0.834,18,176.87,late_60_days,not_applicable,low_burden
Rwanda,2023,urban,male,53,45-54,middle,secondary,farmer,304.83,9,none,1,523,1,commercial_bank,6710.39,none,asset_purchase,1,5855.72,0.168,18,380.04,current,not_applicable,low_burden
Nigeria,2025,rural,female,22,18-24,second,secondary,self_employed,86.71,7,none,1,721,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,female,58,55+,highest,secondary,unemployed,498.16,6,limited,1,656,1,microfinance,3275.3,guarantor,business,1,3207.67,0.359,12,363.25,current,not_applicable,low_burden
Rwanda,2021,urban,female,55,45-54,middle,primary,self_employed,396.6,9,none,0,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,female,65,55+,fourth,secondary,farmer,278.15,5,limited,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,urban,female,66,55+,fourth,secondary,self_employed,639.69,5,none,1,459,1,microfinance,6818.98,guarantor,debt_consolidation,1,6517.93,0.318,6,1432.21,current,not_applicable,low_burden
Mozambique,2022,urban,female,67,55+,lowest,primary,employed_formal,206.51,8,excellent,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,20,18-24,second,secondary,self_employed,513.05,1,limited,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,female,50,45-54,highest,primary,employed_formal,1774.88,7,limited,0,646,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,male,66,55+,second,tertiary,farmer,135.85,4,good,0,348,1,employer,5358.34,savings,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ghana,2018,urban,female,68,55+,middle,secondary,farmer,357.34,8,excellent,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,46,45-54,highest,secondary,employed_formal,501.77,6,good,0,850,1,family_friends,18929.71,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2019,rural,female,65,55+,lowest,secondary,self_employed,43.48,7,limited,1,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,male,63,55+,highest,primary,unemployed,1823.91,1,good,1,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,18,18-24,second,secondary,employed_informal,97.81,4,none,0,483,1,employer,4605.02,vehicle,housing,1,4285.93,0.064,6,760.33,current,not_applicable,low_burden
DRC,2019,urban,female,64,55+,middle,none,unemployed,385.52,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,female,51,45-54,second,secondary,employed_informal,92.26,6,limited,0,210,1,family_friends,1269.99,guarantor,business,1,1197.38,0.093,24,54.52,current,not_applicable,low_burden
Kenya,2024,urban,male,47,45-54,middle,none,employed_formal,778.63,4,limited,1,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,urban,female,27,25-34,lowest,secondary,self_employed,71.71,3,good,0,703,1,employer,1262.58,none,consumption,1,1024.46,0.025,18,58.33,current,not_applicable,low_burden
Tanzania,2024,rural,male,65,55+,lowest,secondary,employed_informal,129.01,6,limited,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,male,33,25-34,second,primary,unemployed,74.12,3,limited,0,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,male,39,35-44,second,primary,farmer,106.55,5,good,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,33,25-34,middle,none,farmer,506.71,3,limited,0,489,1,microfinance,17024.0,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Kenya,2024,urban,female,68,55+,lowest,primary,farmer,57.98,9,none,1,322,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,43,35-44,lowest,primary,farmer,29.99,4,none,0,203,1,informal_lender,1349.5,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2024,urban,female,23,18-24,lowest,tertiary,farmer,43.4,4,limited,0,744,1,family_friends,917.81,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2018,rural,female,18,18-24,second,tertiary,farmer,220.97,1,none,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,68,55+,lowest,tertiary,farmer,153.05,4,limited,0,545,1,informal_lender,2052.17,savings,business,1,1679.75,0.836,12,257.01,current,not_applicable,low_burden
Rwanda,2025,rural,female,30,25-34,lowest,none,self_employed,35.32,3,good,0,246,1,sacco,3388.29,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2025,urban,male,58,55+,middle,primary,self_employed,191.74,4,none,0,337,1,family_friends,4388.92,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2023,rural,male,19,18-24,fourth,primary,self_employed,528.18,2,good,0,254,1,employer,9059.21,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2018,rural,male,64,55+,fourth,secondary,self_employed,828.37,2,limited,0,138,1,informal_lender,7208.9,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2018,urban,female,51,45-54,second,secondary,employed_informal,172.46,8,excellent,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,29,25-34,highest,secondary,self_employed,1460.14,5,none,1,134,1,commercial_bank,4758.48,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2023,rural,male,64,55+,middle,primary,self_employed,368.6,7,limited,0,671,1,commercial_bank,1821.16,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2024,rural,female,33,25-34,middle,secondary,employed_formal,902.73,9,limited,0,437,1,microfinance,4612.23,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2023,rural,female,69,55+,lowest,tertiary,farmer,26.82,6,good,0,699,1,family_friends,2034.56,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2020,urban,male,49,45-54,lowest,primary,farmer,56.27,5,good,1,850,1,microfinance,1240.92,savings,business,1,1071.09,0.31,36,38.97,late_30_days,not_applicable,low_burden
DRC,2024,urban,male,41,35-44,middle,secondary,employed_informal,209.3,4,good,1,309,1,commercial_bank,7660.02,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,rural,male,21,18-24,lowest,secondary,unemployed,107.51,1,none,1,66,1,informal_lender,1788.81,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2024,rural,male,31,25-34,fourth,none,unemployed,276.43,5,none,1,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,female,21,18-24,second,tertiary,farmer,225.18,5,limited,0,15,1,informal_lender,1622.87,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2023,rural,female,62,55+,lowest,tertiary,employed_formal,65.6,10,none,0,0,1,family_friends,2682.49,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2025,rural,male,23,18-24,lowest,secondary,self_employed,60.31,8,excellent,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,male,23,18-24,lowest,none,self_employed,96.88,7,limited,1,581,1,informal_lender,4937.17,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2021,urban,male,24,18-24,second,none,farmer,372.13,9,good,1,328,1,digital_lender,13081.01,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2020,urban,male,68,55+,lowest,secondary,self_employed,45.55,7,good,0,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,male,68,55+,middle,none,farmer,180.26,9,none,1,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,55,45-54,second,none,farmer,51.81,8,none,0,497,1,employer,929.11,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2019,rural,female,21,18-24,middle,primary,unemployed,234.37,3,limited,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,urban,female,44,35-44,highest,none,self_employed,863.89,8,good,1,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,67,55+,highest,secondary,unemployed,1403.59,5,limited,0,535,1,family_friends,21328.98,none,agriculture,1,19079.17,0.087,36,576.15,current,not_applicable,low_burden
Uganda,2022,rural,female,23,18-24,middle,secondary,farmer,199.33,3,none,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,male,59,55+,second,none,employed_informal,88.91,9,limited,1,71,1,commercial_bank,3379.0,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2023,rural,male,18,18-24,fourth,secondary,farmer,277.44,6,none,0,253,1,digital_lender,3273.75,none,business,1,3084.53,0.455,24,186.98,defaulted,not_applicable,low_burden
Senegal,2021,urban,female,59,55+,highest,none,employed_formal,3310.04,5,none,1,53,1,family_friends,19246.84,vehicle,business,1,18408.18,0.025,18,1047.97,defaulted,not_applicable,low_burden
Mali,2021,rural,female,46,45-54,middle,none,employed_informal,66.64,2,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,male,64,55+,lowest,primary,unemployed,57.92,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,urban,female,39,35-44,fourth,primary,self_employed,504.48,9,none,0,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,female,58,55+,lowest,primary,self_employed,57.56,7,none,0,58,1,family_friends,5743.68,none,business,1,5611.34,0.077,18,335.61,late_60_days,not_applicable,low_burden
DRC,2025,rural,female,61,55+,fourth,secondary,unemployed,464.89,3,good,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,34,25-34,lowest,primary,self_employed,57.9,9,none,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,male,51,45-54,lowest,secondary,employed_informal,107.5,10,none,1,369,1,microfinance,1190.2,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2018,rural,female,41,35-44,fourth,primary,employed_formal,358.09,10,none,0,718,1,family_friends,4062.21,none,consumption,1,3469.89,0.012,18,194.99,current,not_applicable,low_burden
Mali,2019,rural,male,40,35-44,fourth,secondary,self_employed,306.8,2,limited,0,784,1,informal_lender,3567.35,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2023,urban,male,59,55+,middle,secondary,employed_informal,120.87,9,none,0,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,female,29,25-34,fourth,none,employed_formal,373.0,9,good,1,394,1,microfinance,7784.62,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2020,urban,female,24,18-24,highest,secondary,farmer,288.28,8,good,1,434,1,commercial_bank,11586.35,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,rural,male,42,35-44,second,secondary,employed_informal,75.79,8,limited,0,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,female,60,55+,highest,none,self_employed,1395.16,7,none,0,846,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,female,26,25-34,second,secondary,employed_formal,416.17,10,limited,0,508,1,family_friends,5837.44,guarantor,business,1,5543.24,0.014,12,468.56,late_30_days,not_applicable,low_burden
Zambia,2018,rural,female,35,25-34,lowest,secondary,self_employed,311.97,2,none,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,male,52,45-54,fourth,none,self_employed,364.5,9,none,0,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,42,35-44,second,tertiary,self_employed,66.2,4,good,1,241,1,informal_lender,2258.34,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2021,rural,male,49,45-54,highest,primary,employed_informal,957.11,3,none,1,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,45,35-44,lowest,secondary,employed_informal,332.72,8,none,1,0,1,family_friends,6673.79,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2022,rural,male,60,55+,lowest,tertiary,employed_formal,176.13,10,none,1,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,male,63,55+,lowest,tertiary,employed_formal,29.19,4,none,1,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,41,35-44,middle,secondary,self_employed,181.27,10,none,0,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,40,35-44,fourth,secondary,employed_informal,597.99,4,none,1,516,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,female,32,25-34,second,primary,employed_informal,344.51,10,good,1,832,1,digital_lender,4500.43,savings,business,1,4495.64,0.415,24,265.02,current,not_applicable,low_burden
Ghana,2022,urban,female,41,35-44,lowest,primary,employed_informal,136.0,1,none,1,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,rural,male,61,55+,second,tertiary,farmer,88.61,7,none,0,576,1,microfinance,821.43,none,education,1,691.34,0.354,18,52.01,paid_off,not_applicable,low_burden
Malawi,2019,rural,female,44,35-44,second,primary,self_employed,182.43,6,good,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,rural,male,53,45-54,middle,secondary,self_employed,383.32,9,limited,0,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,39,35-44,middle,none,self_employed,104.16,5,good,0,552,1,digital_lender,4389.66,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2024,urban,female,54,45-54,lowest,primary,self_employed,228.03,1,limited,0,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,rural,male,55,45-54,second,none,employed_informal,242.91,2,none,0,502,1,digital_lender,8141.52,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2022,urban,male,45,35-44,middle,secondary,self_employed,177.5,3,none,0,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,male,66,55+,second,none,self_employed,345.76,9,good,1,767,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,female,63,55+,second,primary,self_employed,214.33,1,good,0,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,female,26,25-34,middle,tertiary,employed_informal,541.38,9,limited,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,29,25-34,second,secondary,unemployed,365.58,2,limited,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,male,67,55+,lowest,secondary,farmer,89.21,6,limited,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,38,35-44,lowest,none,employed_formal,75.97,10,none,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,34,25-34,fourth,primary,unemployed,52.0,4,none,1,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,59,55+,lowest,secondary,employed_informal,131.55,7,excellent,1,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,female,49,45-54,fourth,none,employed_formal,673.19,10,none,0,382,1,sacco,12890.31,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Rwanda,2022,urban,female,24,18-24,second,primary,employed_informal,467.57,5,none,0,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,urban,male,22,18-24,middle,tertiary,unemployed,154.88,6,limited,0,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,60,55+,fourth,none,employed_informal,964.63,8,none,1,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,male,57,55+,second,tertiary,farmer,369.24,10,excellent,1,248,1,digital_lender,2661.57,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Nigeria,2023,rural,male,36,35-44,lowest,primary,self_employed,38.19,6,none,1,0,1,commercial_bank,3122.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2020,rural,male,62,55+,lowest,primary,self_employed,126.15,7,good,0,590,1,informal_lender,8711.71,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,urban,male,24,18-24,fourth,primary,self_employed,680.24,5,none,0,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,female,63,55+,second,tertiary,employed_formal,55.13,10,none,0,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,22,18-24,fourth,secondary,farmer,496.44,7,limited,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,51,45-54,second,secondary,self_employed,70.9,2,good,1,184,1,informal_lender,12620.65,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2019,urban,male,61,55+,second,primary,self_employed,55.99,6,none,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,50,45-54,second,tertiary,employed_formal,156.79,5,none,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,rural,male,58,55+,lowest,secondary,farmer,57.55,7,none,0,33,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,male,35,25-34,fourth,secondary,farmer,880.94,7,none,0,428,1,family_friends,10044.86,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2024,urban,female,32,25-34,lowest,secondary,self_employed,102.06,9,good,0,691,1,sacco,5761.96,property,business,1,4689.91,0.357,18,353.6,current,not_applicable,low_burden
Malawi,2021,rural,female,31,25-34,highest,secondary,self_employed,1145.14,2,good,1,226,1,commercial_bank,4613.28,guarantor,business,1,4517.8,0.187,18,297.99,current,not_applicable,low_burden
South Africa,2022,urban,female,24,18-24,lowest,secondary,employed_informal,128.31,5,limited,0,615,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,urban,male,32,25-34,middle,none,employed_informal,609.71,4,none,1,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,male,30,25-34,lowest,tertiary,employed_formal,32.39,8,limited,1,631,1,microfinance,1036.77,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2020,rural,male,57,55+,fourth,primary,farmer,378.91,10,limited,1,536,1,sacco,9730.09,none,agriculture,1,8046.59,0.298,12,870.33,current,not_applicable,low_burden
Zambia,2020,urban,female,29,25-34,lowest,tertiary,employed_formal,81.43,9,none,1,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,rural,male,26,25-34,middle,primary,employed_formal,316.05,8,none,1,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,56,55+,highest,none,employed_formal,1184.87,10,limited,1,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,45,35-44,middle,primary,employed_informal,130.12,6,good,0,249,1,family_friends,1036.43,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2024,rural,female,29,25-34,lowest,secondary,self_employed,47.55,5,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,female,54,45-54,fourth,primary,farmer,1045.52,6,good,0,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,29,25-34,second,secondary,self_employed,37.05,9,good,0,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,male,58,55+,lowest,secondary,self_employed,98.98,5,good,0,152,1,informal_lender,3462.64,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2022,rural,female,19,18-24,middle,primary,self_employed,476.91,7,excellent,0,169,1,sacco,13915.2,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2020,rural,male,48,45-54,fourth,secondary,self_employed,494.48,2,none,1,372,1,digital_lender,9176.21,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2020,rural,male,49,45-54,second,secondary,farmer,482.04,1,none,0,251,1,informal_lender,9047.9,equipment,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2020,urban,male,37,35-44,fourth,tertiary,farmer,948.88,1,good,1,636,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,53,45-54,fourth,primary,farmer,431.47,5,good,0,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,urban,male,37,35-44,second,tertiary,farmer,130.53,8,none,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,51,45-54,second,none,unemployed,160.8,1,limited,1,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,male,29,25-34,fourth,secondary,self_employed,792.74,10,good,1,175,1,informal_lender,7013.75,equipment,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2019,urban,male,47,45-54,second,secondary,self_employed,181.41,2,none,1,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,57,55+,lowest,primary,farmer,35.81,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,68,55+,second,none,employed_informal,77.89,3,none,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,36,35-44,highest,secondary,self_employed,1127.89,1,none,1,234,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,42,35-44,second,primary,unemployed,43.04,4,limited,1,300,1,commercial_bank,1777.04,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2021,urban,male,42,35-44,lowest,none,self_employed,64.6,6,none,0,5,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,male,62,55+,lowest,none,employed_formal,16.38,10,good,1,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,female,68,55+,lowest,secondary,self_employed,107.92,10,none,1,65,1,microfinance,11893.35,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2019,urban,female,51,45-54,highest,primary,employed_informal,2221.97,6,good,1,546,1,microfinance,22866.65,guarantor,housing,1,21585.09,0.309,24,1177.67,paid_off,not_applicable,low_burden
South Africa,2025,urban,male,60,55+,middle,primary,self_employed,315.32,9,none,0,150,1,informal_lender,8308.72,guarantor,emergency,1,7290.61,0.768,12,1074.37,current,not_applicable,low_burden
Senegal,2018,urban,male,22,18-24,fourth,tertiary,self_employed,1772.84,5,good,1,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,female,57,55+,fourth,secondary,self_employed,1263.31,4,none,1,0,1,microfinance,8850.48,savings,education,1,7709.69,0.27,24,408.09,current,not_applicable,low_burden
Tanzania,2020,urban,male,60,55+,second,secondary,self_employed,253.2,4,limited,1,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,55,45-54,fourth,secondary,employed_formal,454.44,7,none,0,536,1,informal_lender,4075.07,property,asset_purchase,1,4026.65,0.834,48,153.85,current,not_applicable,low_burden
Kenya,2024,rural,female,48,45-54,highest,none,self_employed,519.95,9,limited,1,796,1,digital_lender,11668.56,property,asset_purchase,1,10154.31,0.419,18,800.76,paid_off,not_applicable,low_burden
Tanzania,2024,rural,female,64,55+,fourth,primary,employed_formal,488.85,9,none,0,529,1,microfinance,4954.84,property,agriculture,1,4367.84,0.278,12,465.14,current,not_applicable,low_burden
Malawi,2021,urban,male,51,45-54,fourth,none,self_employed,445.62,10,none,0,713,1,sacco,6018.01,guarantor,emergency,1,4833.3,0.283,12,516.83,paid_off,not_applicable,low_burden
Zambia,2024,urban,female,62,55+,second,none,self_employed,265.62,3,limited,1,622,1,commercial_bank,6757.16,equipment,agriculture,1,5653.79,0.223,36,192.01,paid_off,not_applicable,low_burden
Zambia,2024,rural,male,27,25-34,fourth,none,employed_informal,509.81,8,none,1,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,52,45-54,lowest,secondary,unemployed,51.3,1,excellent,1,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,40,35-44,fourth,primary,self_employed,1059.3,3,limited,0,196,1,sacco,9198.65,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2022,rural,male,63,55+,second,none,employed_informal,103.37,1,none,0,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,female,63,55+,middle,tertiary,self_employed,302.86,10,excellent,0,688,1,informal_lender,12471.8,guarantor,asset_purchase,1,10879.12,0.786,12,1619.47,late_60_days,not_applicable,low_burden
Ethiopia,2025,rural,female,61,55+,highest,none,employed_formal,334.97,6,none,0,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,29,25-34,middle,secondary,employed_formal,165.49,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,43,35-44,lowest,primary,unemployed,272.89,1,none,0,485,1,microfinance,2138.2,guarantor,agriculture,1,1995.34,0.335,24,110.97,current,not_applicable,low_burden
Niger,2025,urban,female,18,18-24,fourth,secondary,farmer,261.92,2,limited,1,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,68,55+,highest,none,farmer,1345.76,4,good,0,639,1,microfinance,9294.64,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2021,urban,female,31,25-34,middle,none,self_employed,217.06,4,none,0,692,1,employer,15542.83,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2019,urban,female,50,45-54,highest,secondary,unemployed,210.31,2,limited,0,175,1,informal_lender,7289.37,guarantor,agriculture,1,5924.7,0.753,12,865.56,paid_off,not_applicable,low_burden
Rwanda,2018,urban,female,43,35-44,fourth,primary,unemployed,727.49,1,none,0,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,male,65,55+,highest,none,employed_formal,449.9,10,limited,0,749,1,family_friends,5119.86,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2025,urban,female,60,55+,second,primary,employed_informal,226.25,8,none,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,male,58,55+,middle,secondary,self_employed,399.86,2,none,0,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,male,51,45-54,fourth,none,employed_informal,579.71,6,none,0,210,1,family_friends,10296.96,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ethiopia,2023,urban,female,24,18-24,highest,secondary,self_employed,1246.54,6,limited,1,634,1,commercial_bank,8413.03,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2022,rural,male,65,55+,lowest,secondary,employed_informal,32.81,3,excellent,1,223,1,microfinance,4928.27,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2025,rural,male,21,18-24,lowest,secondary,farmer,98.8,8,excellent,0,248,1,informal_lender,5159.66,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2022,urban,male,41,35-44,second,secondary,employed_formal,158.47,6,limited,0,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,rural,male,37,35-44,fourth,primary,farmer,81.4,9,good,0,346,1,microfinance,1736.02,vehicle,housing,1,1510.16,0.323,24,83.24,current,not_applicable,low_burden
Rwanda,2019,urban,female,38,35-44,highest,tertiary,self_employed,1767.62,5,good,1,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,female,68,55+,middle,primary,employed_formal,659.45,7,limited,0,175,1,microfinance,7744.93,property,housing,1,6761.74,0.345,12,757.69,current,not_applicable,low_burden
Ethiopia,2024,rural,male,30,25-34,lowest,primary,farmer,169.88,7,none,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,urban,female,48,45-54,second,secondary,self_employed,827.07,7,limited,0,73,1,sacco,9446.73,equipment,emergency,1,9051.88,0.277,18,641.96,late_30_days,not_applicable,low_burden
Zambia,2021,rural,female,29,25-34,highest,secondary,farmer,1141.15,6,none,0,528,1,sacco,11067.19,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2019,urban,female,65,55+,second,none,unemployed,259.33,3,good,0,656,1,sacco,5600.64,equipment,education,1,4788.53,0.3,6,1037.43,late_60_days,not_applicable,low_burden
Mali,2018,rural,male,56,55+,lowest,tertiary,employed_formal,129.33,6,none,0,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,39,35-44,second,tertiary,employed_informal,65.2,9,none,0,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,urban,male,22,18-24,fourth,primary,employed_formal,152.62,10,good,1,372,1,commercial_bank,5256.62,vehicle,business,1,5142.99,0.162,48,124.52,paid_off,not_applicable,low_burden
Uganda,2024,urban,male,25,18-24,middle,secondary,employed_formal,213.67,6,none,0,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,30,25-34,lowest,secondary,unemployed,147.29,6,excellent,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,male,39,35-44,second,tertiary,farmer,76.37,9,excellent,1,776,1,sacco,3660.83,savings,agriculture,1,3619.81,0.359,18,273.24,paid_off,not_applicable,low_burden
Zambia,2024,rural,female,64,55+,highest,secondary,self_employed,919.88,2,limited,0,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,24,18-24,second,none,farmer,181.2,8,limited,1,643,1,commercial_bank,2601.77,savings,education,1,2196.72,0.197,18,146.02,current,not_applicable,low_burden
Zambia,2020,urban,male,47,45-54,second,secondary,unemployed,214.71,2,none,0,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,male,36,35-44,lowest,none,employed_informal,36.74,8,none,1,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,20,18-24,second,secondary,employed_formal,154.19,7,good,1,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,50,45-54,fourth,secondary,farmer,366.22,3,none,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,54,45-54,fourth,secondary,farmer,1086.07,3,none,1,219,1,digital_lender,6230.55,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2023,urban,female,67,55+,second,primary,employed_informal,401.07,1,none,1,76,1,commercial_bank,4725.64,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2025,urban,female,44,35-44,highest,primary,self_employed,755.9,9,limited,0,781,1,informal_lender,7507.22,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2018,rural,female,34,25-34,second,secondary,employed_informal,417.52,4,limited,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,male,62,55+,highest,primary,self_employed,844.64,10,none,1,786,1,digital_lender,6374.79,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2024,rural,female,30,25-34,lowest,primary,self_employed,18.69,3,none,0,249,1,informal_lender,3192.15,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2023,rural,female,53,45-54,second,primary,employed_informal,114.84,4,good,0,727,1,digital_lender,1880.7,savings,housing,1,1646.65,0.487,6,407.97,current,not_applicable,low_burden
Kenya,2025,rural,male,67,55+,highest,tertiary,farmer,2086.02,9,none,0,64,1,digital_lender,3756.44,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2021,rural,female,18,18-24,highest,primary,self_employed,374.07,4,none,0,611,1,digital_lender,17423.14,none,consumption,1,16494.35,0.438,18,1317.31,paid_off,not_applicable,low_burden
Mozambique,2023,rural,female,66,55+,fourth,secondary,farmer,314.36,8,none,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,28,25-34,middle,secondary,self_employed,77.2,1,good,1,770,1,commercial_bank,1750.79,savings,asset_purchase,1,1494.7,0.189,12,148.11,current,not_applicable,low_burden
DRC,2024,rural,female,43,35-44,fourth,secondary,self_employed,142.24,10,none,1,53,1,sacco,7049.04,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2018,rural,female,31,25-34,fourth,secondary,employed_informal,183.89,7,none,1,70,1,sacco,5811.95,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2020,rural,female,25,18-24,second,none,employed_informal,51.37,8,limited,0,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,54,45-54,second,primary,farmer,117.39,1,none,1,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,43,35-44,middle,none,self_employed,675.27,10,excellent,0,628,1,digital_lender,4238.18,guarantor,education,1,4090.7,0.452,12,494.9,late_30_days,not_applicable,low_burden
Ethiopia,2019,urban,male,44,35-44,middle,secondary,employed_informal,290.93,5,good,1,585,1,family_friends,4471.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2020,urban,male,43,35-44,highest,secondary,unemployed,1716.74,1,limited,1,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,female,56,55+,middle,secondary,farmer,429.41,2,none,1,704,1,family_friends,4775.87,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2020,urban,male,68,55+,lowest,secondary,employed_informal,41.36,1,none,0,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,rural,female,44,35-44,lowest,secondary,employed_informal,33.66,7,limited,0,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,male,26,25-34,fourth,tertiary,self_employed,563.63,3,none,0,143,1,sacco,7807.98,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2019,urban,male,35,25-34,lowest,secondary,employed_formal,57.65,10,limited,0,825,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,43,35-44,highest,primary,unemployed,1083.58,1,none,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,female,23,18-24,lowest,none,self_employed,290.74,1,limited,0,617,1,family_friends,3054.9,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2025,rural,male,29,25-34,second,secondary,employed_formal,43.8,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,28,25-34,fourth,secondary,self_employed,256.84,8,limited,0,19,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,male,68,55+,second,secondary,employed_informal,157.52,6,none,1,74,1,commercial_bank,3411.95,guarantor,agriculture,1,3394.13,0.158,12,327.42,current,not_applicable,low_burden
DRC,2019,urban,male,38,35-44,fourth,primary,self_employed,340.31,9,none,0,341,1,family_friends,5041.08,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2021,urban,male,63,55+,lowest,secondary,employed_informal,58.72,8,limited,0,518,1,family_friends,4971.86,none,agriculture,1,4605.3,0.042,18,266.66,current,not_applicable,low_burden
Ethiopia,2022,urban,female,46,45-54,middle,primary,farmer,211.42,2,limited,0,59,1,digital_lender,3332.11,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2024,urban,male,44,35-44,middle,primary,farmer,295.2,5,excellent,1,850,1,microfinance,2712.5,none,education,1,2257.5,0.294,24,121.76,current,not_applicable,low_burden
Nigeria,2020,rural,male,66,55+,highest,secondary,unemployed,745.26,6,none,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,53,45-54,lowest,secondary,employed_informal,175.16,7,none,0,199,1,informal_lender,2853.61,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2023,rural,male,30,25-34,second,primary,self_employed,119.19,7,limited,1,384,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,32,25-34,middle,primary,farmer,652.65,2,none,0,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,52,45-54,highest,secondary,self_employed,438.81,6,good,1,837,1,commercial_bank,7110.72,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2021,urban,male,18,18-24,fourth,primary,self_employed,212.16,2,none,1,0,1,sacco,1475.1,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2019,rural,female,25,18-24,fourth,none,unemployed,266.4,3,good,0,573,1,family_friends,9590.15,none,housing,1,7675.83,0.002,12,640.69,late_60_days,not_applicable,low_burden
Zambia,2025,rural,female,21,18-24,middle,secondary,farmer,276.46,3,limited,1,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,55,45-54,middle,secondary,farmer,544.92,3,none,1,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,female,40,35-44,highest,none,self_employed,1845.45,6,none,0,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,18,18-24,highest,secondary,self_employed,1213.73,1,limited,0,413,1,informal_lender,8667.29,none,consumption,1,7644.35,0.847,36,392.16,paid_off,not_applicable,low_burden
Malawi,2025,rural,female,56,55+,fourth,secondary,self_employed,558.6,7,limited,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,52,45-54,fourth,primary,self_employed,859.6,5,none,1,629,1,commercial_bank,9677.78,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2020,rural,male,55,45-54,highest,primary,employed_informal,384.85,6,limited,1,800,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,urban,female,26,25-34,lowest,primary,farmer,77.57,8,limited,1,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,urban,female,63,55+,second,primary,self_employed,1258.85,8,limited,0,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,female,27,25-34,highest,secondary,self_employed,1804.05,10,limited,0,657,1,informal_lender,11446.69,none,consumption,1,9676.78,0.846,6,2976.91,paid_off,not_applicable,low_burden
Nigeria,2022,urban,male,47,45-54,middle,primary,farmer,426.58,2,good,0,665,1,family_friends,3779.89,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2023,urban,female,47,45-54,lowest,tertiary,farmer,167.99,5,limited,1,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,29,25-34,middle,primary,employed_informal,78.52,1,none,0,285,1,informal_lender,1503.71,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2023,rural,female,37,35-44,middle,secondary,self_employed,127.17,3,none,0,743,1,commercial_bank,2288.54,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2022,rural,male,20,18-24,fourth,secondary,self_employed,162.34,6,none,0,18,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,urban,female,42,35-44,fourth,secondary,employed_informal,659.41,2,none,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,female,53,45-54,lowest,tertiary,employed_formal,69.41,8,none,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,male,34,25-34,second,secondary,self_employed,129.68,10,good,0,804,1,family_friends,1422.4,equipment,business,1,1358.08,0.082,18,81.67,current,not_applicable,low_burden
Niger,2025,urban,male,45,35-44,lowest,primary,farmer,72.28,1,none,0,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,67,55+,highest,tertiary,unemployed,317.3,1,limited,1,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,female,30,25-34,lowest,tertiary,self_employed,111.92,3,none,0,0,1,commercial_bank,4081.58,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2024,rural,female,33,25-34,middle,tertiary,self_employed,58.25,10,none,0,603,1,informal_lender,2320.82,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2019,rural,female,24,18-24,middle,none,employed_informal,120.18,8,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,46,45-54,middle,none,unemployed,118.81,1,limited,0,185,1,informal_lender,1350.68,savings,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2020,rural,female,28,25-34,middle,primary,farmer,108.04,8,none,1,445,1,informal_lender,2256.09,equipment,emergency,1,2016.86,0.767,18,198.04,current,not_applicable,low_burden
Nigeria,2018,urban,female,62,55+,fourth,secondary,unemployed,566.58,1,none,0,332,1,family_friends,9343.56,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2024,urban,male,33,25-34,middle,none,self_employed,708.28,8,limited,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,52,45-54,lowest,primary,employed_informal,20.2,3,none,1,499,1,digital_lender,3684.9,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2020,urban,male,27,25-34,second,secondary,self_employed,122.52,8,none,0,35,1,family_friends,1588.96,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2022,rural,male,34,25-34,middle,primary,self_employed,58.79,5,none,0,249,1,sacco,9393.59,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2018,urban,male,26,25-34,second,secondary,employed_informal,118.45,8,none,1,0,1,digital_lender,1904.8,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2021,urban,male,46,45-54,fourth,primary,employed_formal,517.31,7,none,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,male,19,18-24,second,secondary,employed_formal,207.53,9,none,0,696,1,family_friends,1522.0,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2020,urban,male,22,18-24,fourth,primary,self_employed,111.64,10,limited,0,425,1,family_friends,9497.45,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2024,rural,male,44,35-44,lowest,secondary,unemployed,88.56,5,limited,1,615,1,digital_lender,1616.6,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2019,urban,female,46,45-54,fourth,secondary,farmer,249.0,6,good,1,335,1,commercial_bank,11355.97,none,business,1,10520.69,0.132,48,248.12,current,not_applicable,low_burden
Rwanda,2019,rural,female,35,25-34,lowest,primary,farmer,25.71,10,good,0,116,1,sacco,1248.53,equipment,business,1,1150.22,0.29,12,123.61,current,not_applicable,low_burden
Nigeria,2022,urban,male,40,35-44,middle,primary,employed_informal,312.8,2,none,1,423,1,digital_lender,4180.75,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2025,urban,female,39,35-44,second,secondary,farmer,280.71,8,none,0,104,1,microfinance,2181.77,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2021,rural,female,57,55+,middle,secondary,self_employed,186.42,7,good,0,173,1,microfinance,8729.04,guarantor,education,1,7046.59,0.357,18,531.3,current,not_applicable,low_burden
DRC,2018,urban,male,41,35-44,lowest,none,employed_formal,41.81,6,none,0,320,1,employer,4453.1,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2025,urban,male,62,55+,fourth,secondary,self_employed,458.35,4,limited,1,347,1,family_friends,3905.88,none,business,1,3677.77,0.015,24,155.59,paid_off,not_applicable,low_burden
Tanzania,2021,rural,male,29,25-34,middle,primary,employed_informal,120.38,5,limited,1,98,1,commercial_bank,3259.28,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2019,rural,female,28,25-34,highest,primary,farmer,1013.47,7,limited,0,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,38,35-44,fourth,primary,farmer,699.99,7,none,1,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,22,18-24,middle,primary,employed_informal,405.99,8,none,1,742,1,commercial_bank,8228.71,none,business,1,7941.87,0.153,24,381.66,current,not_applicable,low_burden
Kenya,2025,rural,female,52,45-54,fourth,none,self_employed,325.22,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,38,35-44,lowest,primary,self_employed,132.18,10,none,0,321,1,digital_lender,2666.3,none,agriculture,1,2384.32,0.469,36,97.3,current,not_applicable,low_burden
Zambia,2022,rural,male,37,35-44,middle,none,employed_informal,97.87,9,none,1,575,1,commercial_bank,7119.98,equipment,business,1,6524.82,0.178,12,640.38,late_30_days,not_applicable,low_burden
Zambia,2022,urban,female,45,35-44,second,primary,self_employed,630.38,6,limited,1,362,1,commercial_bank,6187.34,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2019,urban,female,22,18-24,fourth,secondary,farmer,239.78,1,none,1,77,1,commercial_bank,3282.85,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2021,rural,female,37,35-44,lowest,secondary,farmer,14.54,4,none,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,68,55+,second,none,employed_informal,315.49,2,none,1,176,1,informal_lender,1934.92,equipment,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2023,rural,female,50,45-54,middle,none,self_employed,121.66,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,47,45-54,second,secondary,employed_formal,196.38,10,none,0,615,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,urban,male,44,35-44,lowest,secondary,employed_formal,43.67,8,none,0,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,female,42,35-44,second,secondary,employed_formal,634.5,10,limited,0,658,1,digital_lender,3041.62,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2020,rural,male,66,55+,fourth,primary,employed_formal,1180.38,8,none,0,363,1,commercial_bank,12058.35,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2022,urban,female,66,55+,lowest,none,employed_informal,265.31,6,none,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,39,35-44,second,primary,self_employed,129.05,1,none,1,130,1,sacco,4036.09,savings,emergency,1,3344.94,0.335,24,186.12,current,not_applicable,low_burden
Nigeria,2025,rural,female,66,55+,highest,secondary,farmer,1319.23,7,excellent,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,22,18-24,highest,primary,employed_informal,639.82,3,limited,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,male,34,25-34,lowest,none,employed_informal,197.13,5,limited,1,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,33,25-34,middle,none,unemployed,150.04,6,good,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,male,54,45-54,lowest,secondary,unemployed,182.66,1,limited,0,648,1,microfinance,6563.39,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2021,rural,female,49,45-54,highest,primary,employed_informal,480.92,10,none,0,835,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,female,42,35-44,second,secondary,self_employed,141.91,9,limited,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,female,31,25-34,second,primary,employed_informal,87.51,1,limited,0,145,1,family_friends,2143.39,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2024,rural,female,44,35-44,second,primary,unemployed,138.8,1,none,1,74,1,commercial_bank,1347.37,savings,education,1,1255.4,0.186,36,41.37,current,not_applicable,low_burden
Uganda,2022,urban,female,31,25-34,middle,primary,self_employed,227.37,10,good,1,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,43,35-44,lowest,tertiary,employed_formal,84.72,8,none,1,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,35,25-34,fourth,none,farmer,235.48,8,none,1,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,64,55+,middle,none,farmer,347.88,10,none,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,female,56,55+,middle,secondary,employed_informal,863.66,1,none,0,632,1,sacco,5551.11,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2019,rural,male,27,25-34,fourth,none,employed_informal,348.14,8,excellent,0,440,1,digital_lender,17668.7,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Rwanda,2022,urban,female,66,55+,lowest,primary,self_employed,424.6,10,limited,1,609,1,commercial_bank,3156.17,none,business,1,3118.06,0.187,12,308.49,late_60_days,not_applicable,low_burden
Senegal,2023,rural,male,52,45-54,lowest,primary,employed_informal,132.63,6,none,0,41,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,female,36,35-44,second,secondary,employed_informal,541.9,10,limited,0,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,male,45,35-44,fourth,primary,farmer,471.29,7,good,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,28,25-34,lowest,secondary,farmer,28.09,7,none,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,male,20,18-24,fourth,secondary,farmer,300.07,2,limited,1,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,39,35-44,middle,secondary,farmer,131.03,8,limited,0,399,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,male,58,55+,middle,primary,self_employed,102.64,9,none,0,415,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,36,35-44,middle,secondary,self_employed,43.0,4,limited,0,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,37,35-44,lowest,tertiary,farmer,184.12,2,limited,1,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,female,69,55+,lowest,secondary,employed_formal,24.44,9,good,1,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,69,55+,fourth,none,employed_informal,942.5,10,good,1,390,1,commercial_bank,7574.85,equipment,business,1,7138.47,0.217,18,482.75,current,not_applicable,low_burden
Senegal,2025,rural,male,42,35-44,second,secondary,employed_informal,560.15,8,excellent,1,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,male,20,18-24,middle,secondary,farmer,115.99,9,none,0,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,53,45-54,highest,tertiary,self_employed,870.98,6,good,0,635,1,family_friends,1763.0,none,asset_purchase,1,1415.5,0.022,12,120.53,late_30_days,not_applicable,low_burden
Mozambique,2023,urban,male,55,45-54,lowest,primary,self_employed,67.98,5,limited,0,349,1,family_friends,1990.69,none,business,1,1715.74,0.014,12,144.97,defaulted,not_applicable,low_burden
DRC,2022,rural,female,65,55+,second,secondary,self_employed,216.43,4,none,1,37,1,family_friends,3357.66,none,asset_purchase,1,3326.72,0.04,12,288.45,current,not_applicable,low_burden
Tanzania,2023,urban,male,67,55+,second,secondary,farmer,78.43,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,female,50,45-54,lowest,tertiary,employed_informal,54.93,7,good,0,513,1,family_friends,3051.41,savings,education,1,2848.94,0.053,6,500.21,current,not_applicable,low_burden
Zambia,2021,rural,male,23,18-24,highest,secondary,self_employed,1455.56,8,good,0,301,1,commercial_bank,7611.17,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2024,rural,male,30,25-34,highest,tertiary,farmer,641.69,9,none,0,41,1,employer,2669.71,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Niger,2020,rural,male,55,45-54,second,primary,farmer,38.79,10,none,0,0,1,family_friends,1465.21,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2022,urban,male,49,45-54,highest,none,self_employed,2362.5,9,good,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,male,40,35-44,lowest,primary,employed_informal,24.32,5,excellent,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,38,35-44,highest,secondary,unemployed,1046.74,1,none,0,816,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,54,45-54,fourth,none,self_employed,495.8,6,none,0,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,urban,female,39,35-44,lowest,secondary,unemployed,97.73,1,limited,1,628,1,microfinance,2777.15,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2024,urban,male,26,25-34,middle,tertiary,farmer,1762.56,10,none,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,68,55+,fourth,tertiary,farmer,822.2,1,limited,1,58,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,36,35-44,second,secondary,employed_formal,157.07,10,excellent,0,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,32,25-34,second,secondary,self_employed,184.97,7,none,0,485,1,family_friends,2224.17,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2019,rural,male,21,18-24,middle,none,employed_informal,231.66,1,limited,1,650,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,male,42,35-44,lowest,primary,employed_informal,92.7,3,limited,1,166,1,sacco,1844.81,none,consumption,1,1595.65,0.319,18,116.93,late_30_days,not_applicable,low_burden
Senegal,2021,rural,male,69,55+,lowest,secondary,employed_informal,71.45,1,none,0,152,1,family_friends,5068.83,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Zambia,2018,rural,female,26,25-34,lowest,secondary,self_employed,44.45,10,none,1,303,1,informal_lender,1581.87,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2020,urban,female,30,25-34,fourth,primary,self_employed,570.98,7,limited,1,295,1,family_friends,8252.08,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Zambia,2024,urban,female,27,25-34,second,none,self_employed,127.04,7,good,0,330,1,family_friends,3131.78,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2020,rural,female,22,18-24,middle,secondary,employed_informal,53.04,6,limited,1,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,49,45-54,lowest,primary,employed_informal,133.81,5,good,1,850,1,family_friends,1699.67,guarantor,emergency,1,1563.85,0.054,24,68.68,late_30_days,not_applicable,low_burden
Kenya,2023,urban,female,33,25-34,lowest,secondary,self_employed,60.49,2,none,1,203,1,sacco,2126.83,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2019,rural,male,57,55+,middle,primary,farmer,220.81,8,excellent,1,196,1,commercial_bank,5166.35,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2020,urban,male,38,35-44,lowest,secondary,employed_formal,52.77,5,limited,1,305,1,digital_lender,6978.53,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2018,urban,male,51,45-54,middle,secondary,farmer,178.96,3,none,1,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,22,18-24,second,secondary,employed_informal,58.62,10,none,1,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,35,25-34,fourth,secondary,self_employed,640.42,1,none,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,rural,male,39,35-44,second,primary,farmer,278.98,10,none,0,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,male,21,18-24,fourth,primary,self_employed,500.93,1,excellent,1,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,urban,female,39,35-44,lowest,tertiary,self_employed,61.72,5,good,0,455,1,informal_lender,1647.07,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ethiopia,2019,urban,female,42,35-44,highest,primary,unemployed,302.83,2,none,1,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,female,38,35-44,second,secondary,employed_formal,315.8,5,none,0,83,1,microfinance,4754.14,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2021,urban,female,44,35-44,lowest,none,employed_informal,55.97,9,limited,1,345,1,sacco,4346.09,vehicle,education,1,3618.81,0.319,12,397.65,paid_off,not_applicable,low_burden
Ghana,2018,rural,female,59,55+,middle,secondary,unemployed,91.49,6,good,1,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,male,58,55+,lowest,primary,farmer,61.49,3,good,1,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,18,18-24,second,secondary,self_employed,96.01,3,none,1,0,1,microfinance,6639.81,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2024,urban,male,51,45-54,fourth,secondary,employed_informal,169.98,8,none,1,570,1,microfinance,2648.84,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2023,urban,male,65,55+,fourth,primary,employed_informal,187.13,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,63,55+,middle,primary,farmer,253.13,1,limited,0,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,34,25-34,highest,tertiary,farmer,625.99,8,none,1,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,58,55+,second,secondary,employed_informal,173.38,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,59,55+,lowest,tertiary,employed_informal,99.57,5,good,0,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,37,35-44,fourth,secondary,farmer,686.49,7,none,1,638,1,digital_lender,6212.72,none,agriculture,1,6119.08,0.452,6,1480.6,paid_off,not_applicable,low_burden
Senegal,2024,rural,female,63,55+,lowest,secondary,self_employed,33.64,6,excellent,1,719,1,family_friends,4024.95,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2020,rural,female,50,45-54,lowest,secondary,unemployed,70.9,5,good,0,276,1,microfinance,3757.73,guarantor,business,1,3299.27,0.363,12,374.79,current,not_applicable,low_burden
Malawi,2023,rural,male,57,55+,lowest,tertiary,self_employed,94.17,8,none,1,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,56,55+,second,secondary,employed_informal,78.25,10,none,0,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,58,55+,second,primary,employed_informal,398.36,10,limited,1,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,67,55+,second,secondary,self_employed,37.79,7,limited,1,268,1,digital_lender,4015.4,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2020,rural,female,62,55+,middle,tertiary,employed_informal,111.64,6,limited,0,122,1,microfinance,6681.73,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Rwanda,2021,rural,male,39,35-44,fourth,primary,employed_formal,100.06,8,good,0,433,1,informal_lender,4416.55,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2025,rural,female,47,45-54,highest,none,employed_informal,396.71,7,good,0,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,51,45-54,lowest,secondary,employed_informal,80.65,1,limited,1,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,62,55+,lowest,secondary,farmer,107.81,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,female,38,35-44,middle,primary,employed_informal,179.4,3,none,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,male,34,25-34,lowest,secondary,self_employed,59.24,6,limited,0,209,1,family_friends,2807.51,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2021,urban,female,56,55+,second,secondary,farmer,61.18,10,none,0,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,male,67,55+,middle,primary,employed_informal,127.54,5,good,0,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,65,55+,fourth,secondary,self_employed,409.71,6,none,0,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,male,25,18-24,lowest,primary,farmer,166.56,5,none,1,157,1,family_friends,2592.95,equipment,agriculture,1,2173.98,0.005,24,91.03,current,not_applicable,low_burden
Mozambique,2021,urban,female,65,55+,middle,secondary,self_employed,222.49,4,good,0,597,1,digital_lender,3758.66,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2023,urban,female,59,55+,middle,none,self_employed,696.47,7,limited,0,622,1,family_friends,6166.44,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2024,rural,male,26,25-34,highest,secondary,farmer,341.51,3,none,0,250,1,family_friends,10599.11,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,urban,male,18,18-24,second,primary,unemployed,137.68,5,limited,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,28,25-34,fourth,tertiary,farmer,397.03,2,limited,0,111,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,66,55+,fourth,secondary,self_employed,961.9,3,none,0,63,1,microfinance,8676.66,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2019,urban,male,57,55+,lowest,primary,self_employed,98.68,8,none,0,145,1,digital_lender,3522.33,none,consumption,1,2870.64,0.494,12,357.43,current,not_applicable,low_burden
Malawi,2021,rural,male,47,45-54,middle,tertiary,self_employed,56.79,1,limited,0,595,1,family_friends,1395.4,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2022,rural,male,50,45-54,fourth,primary,employed_informal,641.93,5,limited,0,470,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,male,39,35-44,second,secondary,self_employed,658.83,4,none,0,292,1,commercial_bank,13823.02,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2019,rural,female,65,55+,second,tertiary,farmer,101.85,10,none,0,416,1,informal_lender,2013.27,none,emergency,1,1624.7,0.809,24,122.44,current,not_applicable,low_burden
Zambia,2024,urban,female,26,25-34,second,tertiary,employed_informal,96.58,2,limited,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,female,34,25-34,fourth,secondary,unemployed,900.81,1,none,1,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,28,25-34,lowest,tertiary,unemployed,355.42,1,excellent,0,750,1,informal_lender,4421.43,guarantor,business,1,4107.57,0.755,12,600.66,current,not_applicable,low_burden
Malawi,2020,urban,male,62,55+,middle,primary,employed_informal,540.46,9,none,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,46,45-54,lowest,primary,employed_informal,28.85,6,limited,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,53,45-54,middle,none,unemployed,339.2,1,excellent,1,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,65,55+,fourth,primary,employed_informal,652.79,9,none,0,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,urban,female,28,25-34,middle,secondary,farmer,152.94,2,limited,1,708,1,microfinance,8224.64,none,business,1,7700.62,0.275,18,545.61,current,not_applicable,low_burden
Malawi,2022,rural,male,68,55+,middle,primary,employed_formal,492.99,10,none,0,122,1,informal_lender,10173.89,property,emergency,1,9479.1,0.807,24,713.76,late_30_days,not_applicable,low_burden
South Africa,2021,rural,female,24,18-24,second,secondary,employed_informal,164.87,3,limited,0,29,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,57,55+,second,none,employed_informal,454.31,2,excellent,0,633,1,microfinance,3474.26,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2024,urban,female,54,45-54,fourth,primary,employed_informal,233.99,2,excellent,0,741,1,digital_lender,2324.2,property,business,1,2005.38,0.469,24,122.74,late_30_days,not_applicable,low_burden
Nigeria,2018,urban,female,60,55+,lowest,secondary,unemployed,118.8,6,none,1,116,1,informal_lender,3001.02,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Tanzania,2020,urban,male,26,25-34,fourth,none,employed_informal,262.89,10,good,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,67,55+,middle,secondary,employed_informal,237.86,7,good,0,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,59,55+,highest,secondary,farmer,1867.54,9,none,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,female,23,18-24,second,secondary,unemployed,66.67,6,good,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,46,45-54,middle,tertiary,self_employed,114.44,4,none,0,611,1,informal_lender,2364.33,guarantor,business,1,2266.22,0.802,18,226.88,current,not_applicable,low_burden
Rwanda,2021,rural,male,60,55+,lowest,tertiary,farmer,117.58,8,excellent,0,850,1,informal_lender,1400.26,guarantor,business,1,1355.42,0.795,36,67.58,paid_off,not_applicable,low_burden
Ethiopia,2024,rural,male,42,35-44,highest,none,employed_formal,657.49,9,good,0,796,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,37,35-44,fourth,secondary,farmer,1116.78,2,limited,0,805,1,family_friends,5272.55,savings,business,1,4853.99,0.028,6,831.41,defaulted,not_applicable,low_burden
Uganda,2024,urban,female,32,25-34,middle,primary,farmer,169.56,6,none,0,206,1,microfinance,751.01,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2025,rural,female,44,35-44,fourth,primary,unemployed,341.77,1,excellent,0,244,1,microfinance,8882.35,guarantor,agriculture,1,8199.3,0.331,18,606.14,late_60_days,not_applicable,low_burden
Kenya,2025,rural,female,69,55+,second,secondary,self_employed,196.37,7,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,49,45-54,middle,secondary,unemployed,345.66,1,limited,0,476,1,informal_lender,8591.85,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2025,urban,female,55,45-54,fourth,secondary,self_employed,140.64,2,limited,0,352,1,commercial_bank,8448.42,guarantor,business,1,7083.91,0.22,12,720.05,current,not_applicable,low_burden
South Africa,2025,urban,male,58,55+,lowest,secondary,farmer,648.16,8,none,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,urban,male,58,55+,highest,secondary,farmer,1149.34,4,none,1,54,1,commercial_bank,10359.69,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2020,rural,male,38,35-44,highest,secondary,employed_informal,259.83,5,none,1,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,57,55+,highest,none,unemployed,827.37,1,excellent,0,816,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,35,25-34,fourth,none,farmer,445.29,1,good,0,274,1,family_friends,4385.3,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Malawi,2025,urban,male,48,45-54,second,secondary,farmer,362.88,10,good,1,850,1,family_friends,9772.98,vehicle,consumption,1,9495.61,0.042,48,206.18,current,not_applicable,low_burden
Tanzania,2025,urban,female,33,25-34,middle,secondary,self_employed,570.96,6,limited,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,66,55+,lowest,none,farmer,51.86,5,limited,1,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,male,55,45-54,fourth,primary,employed_informal,98.78,7,limited,1,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,48,45-54,lowest,primary,unemployed,124.12,4,limited,1,585,1,commercial_bank,2265.27,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2023,urban,female,41,35-44,highest,secondary,employed_formal,313.76,5,good,1,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,female,45,35-44,lowest,primary,self_employed,141.03,10,none,1,614,1,microfinance,1637.81,savings,agriculture,1,1337.96,0.34,18,99.57,current,not_applicable,low_burden
Rwanda,2020,rural,female,58,55+,lowest,primary,employed_formal,36.07,10,excellent,1,777,1,digital_lender,1941.79,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2020,rural,male,32,25-34,lowest,none,farmer,93.95,4,good,1,587,1,informal_lender,3954.41,savings,business,1,3798.08,0.752,18,369.62,current,not_applicable,low_burden
Ghana,2018,rural,female,61,55+,fourth,primary,self_employed,208.3,3,none,0,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,32,25-34,lowest,secondary,unemployed,42.69,1,excellent,1,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,25,18-24,lowest,tertiary,unemployed,34.39,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,male,56,55+,lowest,primary,self_employed,148.35,4,none,0,101,1,sacco,2275.49,none,business,1,2010.92,0.315,36,73.45,paid_off,not_applicable,low_burden
Ghana,2025,rural,female,54,45-54,second,secondary,farmer,78.52,3,none,0,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,35,25-34,highest,secondary,farmer,1137.16,7,limited,1,264,1,informal_lender,4451.39,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2022,urban,female,51,45-54,middle,secondary,self_employed,196.7,3,good,1,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,55,45-54,second,primary,employed_informal,103.16,5,none,0,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,58,55+,lowest,none,employed_informal,92.13,6,limited,1,57,1,family_friends,2387.75,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2025,urban,female,67,55+,lowest,tertiary,employed_formal,100.08,4,limited,0,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,62,55+,second,tertiary,self_employed,94.76,2,none,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,40,35-44,lowest,primary,self_employed,98.59,1,none,1,167,1,commercial_bank,4032.67,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2023,rural,female,29,25-34,lowest,secondary,self_employed,49.82,7,none,1,97,1,commercial_bank,2205.37,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Kenya,2022,rural,female,23,18-24,lowest,none,unemployed,88.15,3,good,0,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,male,47,45-54,second,none,employed_formal,119.94,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,52,45-54,fourth,none,farmer,497.12,8,limited,0,510,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,53,45-54,lowest,secondary,farmer,45.17,9,limited,0,79,1,family_friends,11264.56,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2021,rural,female,18,18-24,fourth,primary,farmer,189.73,2,excellent,0,328,1,commercial_bank,3764.27,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2022,urban,female,54,45-54,middle,primary,self_employed,402.27,2,excellent,1,583,1,commercial_bank,8645.86,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2019,rural,male,58,55+,highest,none,employed_informal,469.99,8,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,female,55,45-54,lowest,none,farmer,167.25,4,limited,1,338,1,informal_lender,1628.69,property,agriculture,1,1334.92,0.826,6,406.3,current,not_applicable,low_burden
Mali,2024,rural,male,45,35-44,fourth,primary,farmer,345.74,4,none,0,434,1,family_friends,7377.35,none,business,1,5992.48,0.084,12,541.42,current,not_applicable,low_burden
Kenya,2021,urban,male,18,18-24,highest,secondary,farmer,378.71,6,none,1,792,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,female,43,35-44,highest,secondary,employed_informal,440.76,1,limited,0,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,51,45-54,fourth,primary,self_employed,163.83,5,none,0,538,1,informal_lender,2919.46,guarantor,business,1,2912.74,0.804,12,437.81,current,not_applicable,low_burden
Mali,2023,urban,female,47,45-54,lowest,primary,self_employed,190.44,4,none,1,306,1,sacco,4068.03,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2024,rural,male,47,45-54,highest,secondary,self_employed,1141.15,9,none,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,urban,male,44,35-44,fourth,primary,farmer,471.34,8,none,0,210,1,informal_lender,16151.58,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2025,urban,female,46,45-54,lowest,primary,employed_informal,110.1,3,limited,0,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,34,25-34,lowest,tertiary,employed_informal,84.52,7,excellent,1,617,1,digital_lender,2370.2,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2020,rural,female,49,45-54,highest,secondary,employed_formal,1212.69,8,none,0,128,1,family_friends,3906.39,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2024,rural,female,32,25-34,lowest,primary,employed_informal,86.68,5,none,0,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,male,43,35-44,fourth,primary,employed_informal,802.96,8,limited,1,129,1,digital_lender,3637.91,none,agriculture,1,3324.35,0.457,6,807.07,late_30_days,not_applicable,low_burden
Rwanda,2020,rural,male,39,35-44,second,none,employed_formal,106.06,6,none,0,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,55,45-54,fourth,none,self_employed,316.15,6,good,1,481,1,microfinance,5553.02,guarantor,education,1,4935.96,0.284,18,352.06,paid_off,not_applicable,low_burden
DRC,2025,rural,female,64,55+,lowest,tertiary,farmer,95.95,5,none,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,50,45-54,fourth,secondary,farmer,976.77,7,none,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,25,18-24,middle,none,employed_informal,433.77,4,limited,1,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,52,45-54,highest,none,employed_formal,2009.17,10,limited,1,314,1,digital_lender,11250.82,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2024,rural,male,34,25-34,lowest,primary,farmer,67.47,4,limited,1,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,20,18-24,lowest,primary,self_employed,30.55,2,none,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,female,27,25-34,lowest,secondary,employed_informal,48.5,5,none,1,185,1,digital_lender,2493.96,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2019,urban,female,69,55+,lowest,primary,self_employed,236.04,3,none,0,18,1,informal_lender,2060.27,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2024,urban,male,40,35-44,highest,tertiary,unemployed,269.07,1,good,0,378,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,28,25-34,lowest,secondary,self_employed,172.72,10,none,1,628,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,male,24,18-24,lowest,tertiary,unemployed,34.71,1,none,0,3,1,digital_lender,7048.49,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2019,rural,male,51,45-54,fourth,tertiary,employed_informal,1267.36,1,limited,0,776,1,informal_lender,20983.8,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2021,urban,female,57,55+,lowest,tertiary,employed_formal,85.53,6,limited,1,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,male,36,35-44,lowest,tertiary,employed_informal,149.03,5,none,0,706,1,informal_lender,4012.32,none,consumption,1,3952.47,0.78,12,586.14,current,not_applicable,low_burden
Niger,2024,rural,male,23,18-24,fourth,primary,farmer,1750.84,2,excellent,0,680,1,microfinance,3981.04,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2021,rural,female,36,35-44,second,primary,self_employed,96.28,7,limited,1,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,female,52,45-54,fourth,none,self_employed,385.86,7,good,0,795,1,sacco,14023.68,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Malawi,2018,urban,male,23,18-24,middle,secondary,unemployed,183.45,4,none,0,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,urban,female,31,25-34,second,secondary,self_employed,89.75,5,limited,0,477,1,microfinance,6002.68,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2025,rural,male,18,18-24,middle,none,employed_formal,158.77,10,none,1,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,female,42,35-44,highest,secondary,farmer,671.78,7,none,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,26,25-34,second,secondary,employed_informal,75.42,10,none,1,169,1,commercial_bank,3013.39,none,consumption,1,2689.77,0.197,12,268.25,defaulted,not_applicable,low_burden
DRC,2021,rural,female,28,25-34,fourth,secondary,self_employed,284.57,1,none,0,373,1,informal_lender,9854.31,guarantor,asset_purchase,1,9552.76,0.827,6,2908.32,current,not_applicable,low_burden
Mozambique,2021,urban,male,23,18-24,second,primary,farmer,247.94,7,good,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,55,45-54,middle,none,self_employed,159.36,4,good,0,629,1,family_friends,2832.71,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2022,urban,female,43,35-44,fourth,secondary,employed_informal,439.05,2,none,0,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,male,67,55+,lowest,none,self_employed,161.24,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,38,35-44,second,secondary,employed_informal,67.0,2,none,1,152,1,sacco,1519.65,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2019,urban,male,29,25-34,lowest,primary,employed_informal,347.4,1,limited,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,28,25-34,fourth,primary,self_employed,306.89,5,none,1,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,67,55+,middle,primary,employed_informal,230.2,8,good,1,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,48,45-54,second,secondary,employed_formal,297.0,8,none,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,female,34,25-34,lowest,primary,self_employed,272.42,2,limited,0,206,1,family_friends,5184.54,vehicle,education,1,5032.83,0.008,6,845.68,current,not_applicable,low_burden
DRC,2025,urban,male,52,45-54,highest,tertiary,self_employed,1376.35,8,good,1,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,47,45-54,second,none,self_employed,111.29,2,none,0,0,1,informal_lender,1301.67,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2022,rural,female,23,18-24,second,tertiary,unemployed,70.13,5,good,1,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,54,45-54,lowest,none,employed_formal,40.28,7,good,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,male,24,18-24,middle,primary,employed_informal,750.54,1,limited,0,636,1,family_friends,3631.43,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2021,urban,female,28,25-34,second,tertiary,unemployed,138.4,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,55,45-54,fourth,secondary,employed_informal,413.58,9,limited,0,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,male,41,35-44,fourth,secondary,unemployed,158.81,6,none,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,29,25-34,lowest,secondary,farmer,40.0,5,excellent,0,200,1,family_friends,3060.58,vehicle,agriculture,1,2907.59,0.096,12,265.58,current,not_applicable,low_burden
DRC,2025,urban,female,21,18-24,middle,primary,self_employed,303.93,10,limited,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,urban,female,48,45-54,lowest,secondary,employed_informal,71.59,3,good,1,418,1,digital_lender,3205.25,none,emergency,1,2625.17,0.495,18,218.09,current,not_applicable,low_burden
South Africa,2018,rural,female,54,45-54,lowest,none,self_employed,50.51,5,limited,0,781,1,family_friends,1056.06,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,rural,male,28,25-34,middle,secondary,farmer,71.02,5,none,0,322,1,sacco,2164.6,savings,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2022,rural,female,39,35-44,lowest,tertiary,employed_formal,57.22,6,limited,0,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,35,25-34,highest,tertiary,farmer,1964.13,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,64,55+,middle,secondary,farmer,164.22,5,none,0,521,1,informal_lender,1727.92,property,business,1,1712.24,0.769,12,252.38,current,not_applicable,low_burden
Senegal,2020,urban,male,59,55+,lowest,secondary,farmer,168.43,7,none,1,366,1,digital_lender,2905.74,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2022,urban,male,32,25-34,highest,secondary,employed_formal,87.64,8,excellent,0,815,1,microfinance,2100.07,guarantor,agriculture,1,1943.53,0.275,36,68.81,current,not_applicable,low_burden
Uganda,2022,rural,female,44,35-44,middle,primary,farmer,114.05,2,none,1,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,66,55+,lowest,tertiary,farmer,15.82,5,good,1,675,1,commercial_bank,2804.24,none,housing,1,2472.5,0.164,12,239.85,late_30_days,not_applicable,low_burden
Nigeria,2020,urban,female,35,25-34,middle,secondary,employed_formal,708.86,10,none,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,female,25,18-24,highest,primary,unemployed,1832.55,1,good,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,male,33,25-34,second,secondary,employed_informal,58.81,10,limited,0,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,49,45-54,second,none,unemployed,148.53,1,none,1,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,female,69,55+,second,secondary,employed_formal,281.33,4,none,0,352,1,informal_lender,4349.23,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2022,urban,male,34,25-34,second,secondary,employed_informal,467.95,2,none,1,1,1,microfinance,5058.62,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2019,rural,female,21,18-24,lowest,primary,farmer,45.34,3,limited,1,292,1,family_friends,1832.76,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2022,rural,female,27,25-34,middle,none,employed_informal,42.61,4,none,1,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,male,39,35-44,highest,secondary,employed_informal,354.02,9,none,1,451,1,digital_lender,1865.15,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2021,rural,female,22,18-24,fourth,primary,employed_formal,563.75,9,limited,0,257,1,commercial_bank,5943.06,guarantor,business,1,5665.45,0.226,12,578.76,late_60_days,not_applicable,low_burden
Ghana,2024,rural,female,19,18-24,lowest,tertiary,farmer,261.79,7,excellent,1,175,1,microfinance,6203.37,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2024,rural,male,52,45-54,second,none,employed_formal,116.78,10,none,1,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,60,55+,lowest,primary,self_employed,39.39,2,limited,1,296,1,digital_lender,2522.51,vehicle,emergency,1,2055.31,0.444,12,247.37,late_30_days,not_applicable,low_burden
Nigeria,2023,urban,female,30,25-34,second,none,self_employed,970.56,3,good,1,850,1,digital_lender,11869.6,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2018,urban,female,45,35-44,middle,secondary,self_employed,396.36,10,limited,0,37,1,informal_lender,8546.89,none,education,1,7142.61,0.781,12,1060.3,current,not_applicable,low_burden
Ethiopia,2020,rural,male,47,45-54,second,secondary,self_employed,51.36,8,excellent,0,731,1,microfinance,9106.33,guarantor,business,1,8519.19,0.359,48,241.28,late_30_days,not_applicable,low_burden
Uganda,2023,rural,male,52,45-54,fourth,secondary,employed_informal,303.41,1,limited,1,325,1,family_friends,2501.67,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2024,urban,male,68,55+,middle,tertiary,unemployed,600.8,1,limited,1,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,female,64,55+,middle,secondary,farmer,284.02,4,good,0,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,female,34,25-34,highest,primary,unemployed,1157.91,1,none,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,68,55+,fourth,none,farmer,107.21,6,limited,0,63,1,informal_lender,3748.38,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2019,rural,male,19,18-24,highest,tertiary,farmer,243.32,7,limited,0,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,68,55+,fourth,primary,unemployed,197.14,1,none,0,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,25,18-24,middle,tertiary,self_employed,164.15,3,limited,0,723,1,microfinance,4747.73,guarantor,agriculture,1,4395.98,0.283,24,235.08,paid_off,not_applicable,low_burden
South Africa,2023,rural,female,23,18-24,second,tertiary,unemployed,153.25,1,good,1,285,1,commercial_bank,3096.92,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2020,urban,female,24,18-24,second,secondary,employed_formal,282.6,10,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,female,24,18-24,highest,secondary,employed_formal,5566.92,10,none,0,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,42,35-44,lowest,tertiary,self_employed,35.92,10,none,0,168,1,family_friends,1448.99,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2020,urban,female,51,45-54,highest,secondary,self_employed,795.15,6,none,0,1,1,informal_lender,9757.43,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2019,rural,female,56,55+,second,secondary,self_employed,73.76,2,limited,1,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,rural,female,18,18-24,fourth,primary,self_employed,701.97,1,none,0,369,1,sacco,8764.02,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
South Africa,2023,rural,male,33,25-34,second,primary,self_employed,268.29,2,none,1,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,urban,female,24,18-24,highest,primary,unemployed,724.12,2,none,1,29,1,sacco,3704.48,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2020,rural,male,25,18-24,lowest,tertiary,employed_informal,255.79,3,good,1,314,1,family_friends,1564.54,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2021,urban,male,56,55+,second,secondary,employed_informal,110.18,4,good,0,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,male,51,45-54,highest,secondary,farmer,1365.48,10,none,1,28,1,microfinance,6685.15,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
South Africa,2019,urban,male,28,25-34,second,none,self_employed,500.94,1,none,1,207,1,microfinance,4015.59,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2025,rural,male,33,25-34,second,tertiary,farmer,46.77,1,none,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,66,55+,highest,primary,employed_informal,994.92,4,none,1,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,female,47,45-54,fourth,secondary,employed_formal,73.02,10,limited,1,352,1,commercial_bank,4015.83,none,agriculture,1,3633.84,0.224,12,370.69,paid_off,not_applicable,low_burden
Ethiopia,2018,urban,male,30,25-34,lowest,none,unemployed,160.01,5,limited,0,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,female,66,55+,middle,tertiary,employed_formal,92.5,6,limited,1,205,1,commercial_bank,1764.1,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2019,urban,female,28,25-34,lowest,secondary,farmer,133.69,3,good,1,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,female,33,25-34,lowest,primary,employed_informal,152.45,6,good,1,90,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,male,54,45-54,middle,primary,self_employed,438.09,9,none,1,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,44,35-44,lowest,primary,farmer,112.33,2,limited,1,8,1,family_friends,2981.47,savings,consumption,1,2787.44,0.081,48,62.77,current,not_applicable,low_burden
Tanzania,2019,rural,female,21,18-24,second,primary,self_employed,126.15,9,none,0,0,1,microfinance,1247.13,equipment,agriculture,1,1234.63,0.308,18,89.74,current,not_applicable,low_burden
Zambia,2019,urban,female,59,55+,second,none,employed_informal,138.65,9,limited,1,786,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,29,25-34,highest,primary,farmer,630.33,3,none,0,843,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,53,45-54,middle,primary,employed_formal,91.57,10,none,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,35,25-34,lowest,primary,employed_informal,51.94,7,none,0,0,1,microfinance,964.29,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2018,urban,female,57,55+,highest,secondary,self_employed,808.22,1,none,0,594,1,microfinance,4588.66,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2025,urban,female,64,55+,fourth,primary,self_employed,283.32,5,none,1,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,urban,female,58,55+,second,none,self_employed,53.49,3,limited,0,668,1,microfinance,2129.18,none,agriculture,1,1758.83,0.349,24,98.84,late_30_days,not_applicable,low_burden
Kenya,2025,rural,female,65,55+,highest,tertiary,self_employed,271.64,1,none,1,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,female,46,45-54,second,primary,self_employed,19.95,5,excellent,1,740,1,microfinance,1032.33,none,asset_purchase,1,896.65,0.346,12,100.55,current,not_applicable,low_burden
DRC,2024,rural,female,21,18-24,second,secondary,employed_informal,97.79,8,none,1,276,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,female,45,35-44,second,tertiary,unemployed,232.91,2,excellent,0,202,1,family_friends,4828.2,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2023,urban,female,41,35-44,lowest,secondary,employed_formal,13.74,4,none,1,601,1,commercial_bank,528.56,equipment,housing,1,453.87,0.188,12,44.93,defaulted,not_applicable,low_burden
Tanzania,2022,urban,male,55,45-54,fourth,secondary,unemployed,580.57,5,none,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,30,25-34,middle,secondary,self_employed,183.57,1,none,0,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,female,54,45-54,highest,secondary,self_employed,291.37,4,none,0,364,1,microfinance,4259.03,none,business,1,4203.85,0.348,12,472.28,current,not_applicable,low_burden
Ethiopia,2023,urban,female,40,35-44,lowest,secondary,farmer,66.45,6,none,0,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,male,52,45-54,lowest,none,self_employed,187.52,10,limited,0,385,1,informal_lender,3598.28,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2022,urban,female,39,35-44,second,secondary,self_employed,91.5,8,none,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,37,35-44,lowest,tertiary,unemployed,63.66,1,none,0,654,1,family_friends,1111.58,savings,agriculture,1,930.89,0.05,12,81.45,current,not_applicable,low_burden
Kenya,2018,urban,male,29,25-34,highest,secondary,farmer,1262.61,5,none,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,61,55+,fourth,none,self_employed,185.45,9,limited,0,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,21,18-24,fourth,primary,farmer,996.36,3,none,1,134,1,family_friends,9078.69,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2025,urban,female,30,25-34,fourth,secondary,self_employed,652.63,10,none,0,166,1,employer,1819.3,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2020,rural,female,40,35-44,lowest,primary,farmer,50.5,6,none,1,35,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,female,26,25-34,lowest,secondary,employed_informal,315.0,7,limited,1,727,1,commercial_bank,3313.59,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2020,urban,male,65,55+,second,primary,employed_formal,367.65,10,limited,1,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,35,25-34,fourth,primary,self_employed,101.29,10,limited,0,442,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,urban,female,30,25-34,second,primary,employed_informal,137.81,7,limited,1,605,1,digital_lender,5769.59,savings,debt_consolidation,1,5040.07,0.484,48,155.85,defaulted,not_applicable,low_burden
Zambia,2023,urban,female,31,25-34,lowest,tertiary,farmer,505.21,5,none,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,male,27,25-34,middle,tertiary,employed_formal,150.02,9,limited,1,847,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,52,45-54,lowest,secondary,employed_formal,63.1,10,limited,0,812,1,informal_lender,694.9,guarantor,business,1,681.81,0.829,6,207.88,current,not_applicable,low_burden
Senegal,2018,rural,female,43,35-44,middle,tertiary,farmer,473.43,6,good,0,717,1,commercial_bank,8796.11,equipment,housing,1,8215.64,0.221,6,1671.38,current,not_applicable,low_burden
Niger,2019,urban,male,30,25-34,lowest,tertiary,self_employed,141.87,1,none,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,female,63,55+,middle,primary,unemployed,349.27,6,limited,1,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,female,52,45-54,second,none,employed_informal,203.29,3,limited,1,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,male,38,35-44,highest,secondary,employed_informal,675.93,7,limited,1,463,1,digital_lender,3367.99,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2019,rural,male,44,35-44,fourth,secondary,employed_formal,189.37,9,limited,0,180,1,family_friends,2863.86,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2018,rural,female,52,45-54,lowest,primary,self_employed,81.67,2,good,0,850,1,family_friends,6798.61,equipment,asset_purchase,1,5481.26,0.08,18,328.8,defaulted,not_applicable,low_burden
Mali,2024,rural,female,25,18-24,fourth,tertiary,employed_formal,248.73,10,none,1,618,1,commercial_bank,3123.17,none,emergency,1,3098.32,0.222,18,210.36,current,not_applicable,low_burden
Zambia,2025,urban,female,60,55+,fourth,primary,farmer,351.21,1,none,0,14,1,digital_lender,13746.7,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2019,rural,male,31,25-34,middle,tertiary,employed_formal,564.56,10,none,1,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,19,18-24,highest,secondary,unemployed,508.58,6,none,0,750,1,informal_lender,5038.59,guarantor,housing,1,4091.48,0.768,18,401.83,current,not_applicable,low_burden
Senegal,2022,rural,male,45,35-44,fourth,none,self_employed,1088.56,6,limited,0,588,1,microfinance,7795.1,none,consumption,1,7049.73,0.298,12,762.39,current,not_applicable,low_burden
Tanzania,2022,rural,female,63,55+,lowest,tertiary,farmer,72.1,10,limited,0,410,1,microfinance,4613.28,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2025,urban,female,56,55+,second,secondary,employed_informal,161.89,9,limited,0,40,1,family_friends,5314.94,equipment,asset_purchase,1,4509.34,0.045,12,392.78,current,not_applicable,low_burden
Malawi,2021,rural,male,34,25-34,second,secondary,employed_formal,33.99,10,limited,0,422,1,microfinance,2273.49,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2018,urban,female,38,35-44,middle,secondary,self_employed,1315.82,8,limited,1,472,1,commercial_bank,6699.61,none,agriculture,1,6206.34,0.154,6,1193.98,current,not_applicable,low_burden
Tanzania,2021,rural,female,48,45-54,highest,primary,self_employed,661.25,10,none,1,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,male,30,25-34,middle,primary,self_employed,60.87,8,none,0,85,1,microfinance,1026.71,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mali,2022,urban,female,60,55+,second,none,employed_informal,361.31,9,none,1,75,1,commercial_bank,2143.71,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2022,rural,female,33,25-34,highest,none,employed_informal,641.1,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,29,25-34,fourth,primary,unemployed,171.81,1,none,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,male,22,18-24,second,secondary,employed_informal,232.79,5,none,1,377,1,commercial_bank,9742.75,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2020,rural,female,54,45-54,highest,none,employed_informal,111.52,10,none,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,male,19,18-24,second,secondary,self_employed,109.78,5,limited,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,rural,female,59,55+,middle,primary,employed_informal,162.18,5,good,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,female,68,55+,middle,primary,self_employed,541.77,8,good,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,23,18-24,highest,tertiary,self_employed,3185.91,7,none,1,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,23,18-24,second,tertiary,self_employed,102.2,6,limited,1,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,66,55+,second,secondary,farmer,249.7,10,none,1,51,1,digital_lender,12631.91,property,education,1,10822.06,0.49,24,671.72,current,not_applicable,low_burden
Kenya,2023,rural,male,24,18-24,middle,none,employed_informal,1369.48,9,good,0,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,female,39,35-44,highest,secondary,employed_formal,666.23,10,none,0,555,1,family_friends,7285.26,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2024,urban,female,63,55+,lowest,none,farmer,124.72,10,none,0,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,25,18-24,lowest,secondary,employed_informal,25.33,1,limited,1,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,male,52,45-54,highest,tertiary,employed_informal,2616.87,6,none,1,520,1,commercial_bank,4017.6,savings,business,1,3871.02,0.148,12,370.32,current,not_applicable,low_burden
South Africa,2019,urban,male,37,35-44,fourth,primary,self_employed,298.64,1,excellent,1,623,1,sacco,3078.73,guarantor,education,1,2811.0,0.316,36,102.75,paid_off,not_applicable,low_burden
Malawi,2021,rural,male,40,35-44,second,tertiary,farmer,146.4,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,66,55+,second,secondary,employed_informal,214.11,2,excellent,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,urban,female,51,45-54,second,primary,unemployed,192.11,2,none,0,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,34,25-34,fourth,none,employed_informal,243.3,8,none,1,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,male,66,55+,middle,secondary,unemployed,353.27,3,limited,0,251,1,microfinance,3195.51,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2023,urban,male,48,45-54,fourth,primary,employed_informal,1683.21,1,limited,0,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,23,18-24,lowest,none,farmer,297.37,5,good,0,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,38,35-44,fourth,none,self_employed,435.16,8,limited,0,260,1,microfinance,4073.86,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2022,rural,male,30,25-34,lowest,tertiary,farmer,43.98,10,limited,0,399,1,family_friends,1347.84,property,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2018,rural,male,51,45-54,highest,primary,self_employed,376.98,9,none,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,urban,female,62,55+,lowest,tertiary,unemployed,589.11,5,excellent,1,169,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,female,20,18-24,lowest,secondary,farmer,65.92,4,limited,1,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,male,58,55+,lowest,primary,self_employed,196.14,8,limited,1,176,1,family_friends,5656.37,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2022,rural,female,65,55+,lowest,primary,employed_informal,98.1,2,good,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,male,69,55+,second,secondary,employed_informal,849.12,4,none,0,461,1,sacco,8614.43,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2024,rural,male,52,45-54,middle,primary,unemployed,168.16,1,good,0,261,1,family_friends,10046.59,property,asset_purchase,1,8665.99,0.052,12,759.84,late_60_days,not_applicable,low_burden
Ghana,2019,urban,male,34,25-34,highest,none,unemployed,456.4,1,limited,1,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,male,25,18-24,middle,primary,employed_informal,735.05,9,good,1,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,67,55+,middle,tertiary,employed_informal,561.51,9,limited,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,39,35-44,second,secondary,employed_formal,249.07,10,limited,1,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,35,25-34,fourth,secondary,employed_informal,965.8,10,good,1,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,56,55+,lowest,primary,employed_informal,86.28,1,limited,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,55,45-54,second,primary,farmer,364.03,10,none,0,328,1,digital_lender,4192.75,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2025,urban,female,60,55+,lowest,secondary,employed_formal,106.8,10,limited,1,839,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,male,63,55+,lowest,none,unemployed,168.96,4,limited,0,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,63,55+,middle,tertiary,unemployed,431.29,1,good,0,804,1,family_friends,6389.17,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,urban,female,26,25-34,lowest,tertiary,employed_informal,71.57,8,good,0,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,26,25-34,lowest,primary,self_employed,52.17,7,none,0,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,28,25-34,fourth,tertiary,self_employed,250.46,1,none,0,185,1,informal_lender,7116.74,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2019,rural,female,50,45-54,lowest,secondary,employed_informal,72.54,3,none,1,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,48,45-54,middle,secondary,farmer,216.86,8,limited,1,663,1,sacco,7951.8,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2024,urban,female,62,55+,second,none,self_employed,245.54,2,good,1,219,1,informal_lender,2157.42,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2020,rural,female,61,55+,highest,tertiary,employed_formal,879.76,7,limited,1,213,1,digital_lender,9602.98,property,agriculture,1,9344.88,0.487,36,386.07,late_60_days,not_applicable,low_burden
Tanzania,2021,urban,male,60,55+,fourth,primary,unemployed,567.89,3,good,1,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,female,22,18-24,lowest,secondary,employed_informal,70.39,9,limited,0,803,1,employer,3010.55,guarantor,consumption,1,2876.42,0.026,36,81.97,late_30_days,not_applicable,low_burden
Kenya,2019,urban,female,54,45-54,highest,primary,employed_informal,666.48,3,limited,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,female,62,55+,second,primary,unemployed,148.55,1,excellent,0,611,1,digital_lender,4444.15,property,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2024,rural,male,69,55+,second,tertiary,employed_formal,37.67,10,none,0,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,35,25-34,fourth,primary,employed_formal,452.33,10,none,0,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,58,55+,fourth,none,employed_informal,165.38,9,none,0,665,1,employer,4008.21,none,education,1,3601.89,0.097,18,219.51,late_60_days,not_applicable,low_burden
Mali,2021,urban,male,39,35-44,second,secondary,employed_informal,194.07,5,none,1,731,1,informal_lender,11518.07,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2025,urban,female,26,25-34,second,primary,self_employed,109.75,8,limited,1,229,1,microfinance,1925.62,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2018,urban,male,35,25-34,lowest,tertiary,farmer,21.39,2,none,1,123,1,microfinance,980.46,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2025,urban,female,31,25-34,middle,tertiary,self_employed,1443.79,7,limited,0,786,1,family_friends,5610.04,equipment,business,1,5039.18,0.029,24,216.1,current,not_applicable,low_burden
Ghana,2019,rural,female,65,55+,highest,none,self_employed,564.71,7,none,1,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,urban,female,27,25-34,second,secondary,employed_formal,498.33,10,none,1,179,1,sacco,5043.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2023,rural,male,24,18-24,highest,tertiary,self_employed,459.17,7,none,0,289,1,digital_lender,6927.39,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2022,rural,female,48,45-54,lowest,tertiary,unemployed,197.75,5,good,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,female,47,45-54,fourth,secondary,farmer,219.67,8,limited,0,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,47,45-54,highest,secondary,farmer,1120.51,1,good,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,male,25,18-24,fourth,secondary,employed_informal,229.0,8,limited,1,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,female,43,35-44,lowest,primary,self_employed,371.98,8,none,0,461,1,commercial_bank,4062.41,none,agriculture,1,3630.07,0.146,6,693.52,paid_off,not_applicable,low_burden
Niger,2025,rural,male,66,55+,second,secondary,farmer,101.88,6,limited,1,10,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,22,18-24,lowest,primary,unemployed,160.49,3,none,1,0,1,commercial_bank,6989.57,guarantor,consumption,1,6346.63,0.155,6,1222.1,late_30_days,not_applicable,low_burden
Ghana,2024,rural,male,59,55+,middle,primary,farmer,274.16,1,none,0,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,male,24,18-24,highest,primary,self_employed,652.27,3,limited,1,775,1,commercial_bank,6669.51,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2024,urban,female,30,25-34,second,tertiary,employed_formal,260.01,10,good,0,756,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,64,55+,lowest,primary,employed_formal,232.7,4,good,0,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,rural,female,33,25-34,second,primary,employed_formal,193.65,10,none,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,female,45,35-44,middle,none,self_employed,334.3,3,limited,1,287,1,commercial_bank,4830.92,none,emergency,1,4693.88,0.218,24,238.24,late_30_days,not_applicable,low_burden
Kenya,2023,urban,male,37,35-44,middle,none,employed_formal,429.17,10,limited,1,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,49,45-54,lowest,tertiary,self_employed,343.38,3,good,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,male,39,35-44,fourth,primary,self_employed,246.3,1,excellent,1,850,1,digital_lender,2040.0,savings,housing,1,1662.1,0.415,6,392.04,current,not_applicable,low_burden
DRC,2021,rural,female,41,35-44,lowest,primary,self_employed,16.45,7,limited,1,452,1,microfinance,4680.22,guarantor,consumption,1,4107.76,0.273,24,217.92,late_60_days,not_applicable,low_burden
Niger,2023,urban,female,60,55+,middle,tertiary,self_employed,138.49,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,46,45-54,second,none,employed_informal,59.31,1,good,0,609,1,microfinance,2504.78,guarantor,business,1,2379.61,0.299,12,257.62,current,not_applicable,low_burden
Nigeria,2025,rural,female,47,45-54,lowest,primary,self_employed,32.51,3,limited,1,626,1,commercial_bank,5440.14,savings,business,1,5401.03,0.184,12,533.11,late_60_days,not_applicable,low_burden
Rwanda,2022,urban,male,59,55+,middle,secondary,unemployed,164.92,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,40,35-44,fourth,secondary,self_employed,324.34,10,limited,0,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,60,55+,second,primary,unemployed,215.19,1,excellent,1,850,1,commercial_bank,2956.34,savings,education,1,2455.63,0.166,12,238.54,defaulted,not_applicable,low_burden
Nigeria,2020,urban,male,55,45-54,fourth,secondary,self_employed,580.56,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,63,55+,middle,secondary,self_employed,119.96,10,limited,1,621,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,41,35-44,second,secondary,self_employed,243.24,1,none,1,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,urban,female,47,45-54,highest,primary,farmer,1440.05,5,limited,1,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,female,24,18-24,highest,secondary,unemployed,2008.68,1,excellent,1,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,23,18-24,lowest,secondary,self_employed,108.97,3,limited,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,23,18-24,highest,secondary,farmer,775.61,8,limited,1,263,1,sacco,11789.39,guarantor,agriculture,1,9534.01,0.286,36,340.6,current,not_applicable,low_burden
DRC,2018,rural,female,50,45-54,fourth,tertiary,unemployed,822.34,1,none,1,368,1,microfinance,5231.14,none,emergency,1,5027.23,0.306,24,273.65,current,not_applicable,low_burden
Kenya,2023,rural,male,34,25-34,lowest,tertiary,farmer,72.95,7,none,0,504,1,family_friends,8328.26,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Nigeria,2018,urban,female,33,25-34,middle,secondary,employed_formal,521.6,9,limited,0,745,1,informal_lender,11975.26,vehicle,agriculture,1,11904.39,0.819,24,902.38,paid_off,not_applicable,low_burden
Uganda,2024,rural,male,49,45-54,lowest,primary,employed_formal,99.75,10,none,1,375,1,digital_lender,5267.8,none,business,1,4967.21,0.444,24,298.78,current,not_applicable,low_burden
Niger,2024,urban,female,38,35-44,middle,none,unemployed,273.5,1,none,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,25,18-24,highest,secondary,farmer,1064.87,4,limited,0,850,1,digital_lender,5262.69,guarantor,business,1,4793.31,0.457,24,291.05,late_60_days,not_applicable,low_burden
Zambia,2020,rural,female,46,45-54,second,none,unemployed,110.65,1,limited,0,29,1,family_friends,10350.03,savings,agriculture,1,8763.13,0.095,12,799.42,current,not_applicable,low_burden
Ghana,2019,rural,female,46,45-54,middle,secondary,employed_informal,110.09,9,none,1,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,25,18-24,lowest,secondary,farmer,13.42,10,none,1,731,1,digital_lender,4939.14,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2024,rural,female,32,25-34,middle,secondary,farmer,123.06,5,none,1,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,30,25-34,fourth,none,farmer,379.07,6,limited,0,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,male,54,45-54,lowest,tertiary,farmer,192.14,2,good,0,848,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,female,30,25-34,middle,secondary,employed_informal,349.15,9,none,0,401,1,employer,4147.12,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2018,rural,female,19,18-24,second,secondary,farmer,99.74,8,none,1,586,1,digital_lender,3486.42,savings,business,1,3457.39,0.475,36,141.64,current,not_applicable,low_burden
Zambia,2019,rural,female,31,25-34,fourth,secondary,self_employed,204.83,2,good,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,male,42,35-44,fourth,none,employed_informal,290.73,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,58,55+,fourth,secondary,employed_informal,248.59,2,limited,0,72,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,male,20,18-24,second,none,unemployed,41.17,2,none,0,57,1,family_friends,3894.6,equipment,consumption,1,3678.27,0.08,12,331.16,paid_off,not_applicable,low_burden
Zambia,2023,urban,female,63,55+,middle,secondary,employed_informal,101.16,7,good,1,696,1,informal_lender,974.5,savings,consumption,1,914.88,0.779,18,90.41,late_30_days,not_applicable,low_burden
Rwanda,2023,urban,male,35,25-34,middle,none,self_employed,781.05,4,limited,1,341,1,family_friends,14284.02,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2022,rural,male,35,25-34,fourth,primary,self_employed,1210.05,5,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,male,18,18-24,middle,primary,unemployed,339.03,4,none,1,182,1,sacco,9513.06,none,business,1,9288.47,0.321,24,511.31,current,not_applicable,low_burden
Mozambique,2018,urban,male,32,25-34,highest,none,farmer,951.09,2,none,0,673,1,sacco,5542.42,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2020,urban,female,42,35-44,lowest,tertiary,employed_informal,33.89,1,none,0,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,50,45-54,lowest,secondary,employed_formal,53.81,8,none,0,178,1,informal_lender,665.67,guarantor,housing,1,649.12,0.784,24,48.26,late_30_days,not_applicable,low_burden
DRC,2019,urban,female,57,55+,highest,none,employed_informal,1520.21,5,limited,1,546,1,family_friends,11446.31,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2021,rural,female,45,35-44,lowest,none,employed_informal,107.69,3,good,0,536,1,employer,1652.1,vehicle,housing,1,1348.34,0.048,18,78.54,current,not_applicable,low_burden
Ghana,2018,urban,male,23,18-24,highest,secondary,farmer,1604.37,5,none,1,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,38,35-44,middle,none,self_employed,695.77,2,none,0,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,56,55+,highest,primary,employed_formal,3859.85,10,good,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,51,45-54,middle,none,farmer,150.63,8,none,0,559,1,family_friends,1436.91,none,consumption,1,1155.27,0.011,18,64.9,current,not_applicable,low_burden
Malawi,2023,urban,female,48,45-54,fourth,secondary,employed_formal,3505.32,6,limited,0,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,44,35-44,fourth,tertiary,employed_formal,80.19,10,good,0,104,1,informal_lender,3625.46,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2020,urban,female,44,35-44,middle,none,self_employed,173.04,3,limited,0,61,1,family_friends,8682.69,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2020,urban,male,69,55+,second,tertiary,employed_formal,208.16,7,limited,0,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,49,45-54,lowest,tertiary,employed_informal,88.47,4,excellent,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,male,49,45-54,second,tertiary,unemployed,159.36,6,none,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,female,35,25-34,highest,secondary,farmer,700.14,5,none,0,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,43,35-44,second,tertiary,farmer,566.87,7,none,1,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,female,54,45-54,fourth,secondary,farmer,225.39,3,none,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,urban,male,62,55+,middle,tertiary,employed_formal,146.17,10,none,1,620,1,microfinance,3228.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2022,urban,female,58,55+,second,none,farmer,591.05,7,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,male,52,45-54,highest,secondary,self_employed,1203.18,2,limited,0,690,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,58,55+,lowest,secondary,employed_formal,129.62,7,none,0,207,1,family_friends,7148.18,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2021,rural,male,19,18-24,middle,none,employed_informal,229.39,6,good,1,677,1,microfinance,6561.67,none,agriculture,1,5541.59,0.322,12,610.43,late_30_days,not_applicable,low_burden
Rwanda,2021,rural,male,32,25-34,second,primary,self_employed,46.3,5,none,0,605,1,digital_lender,1025.87,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2022,rural,female,30,25-34,lowest,primary,employed_formal,63.91,10,limited,1,777,1,microfinance,1903.34,guarantor,agriculture,1,1869.19,0.323,6,412.03,paid_off,not_applicable,low_burden
Ghana,2024,urban,male,52,45-54,lowest,primary,employed_informal,31.15,6,none,0,437,1,digital_lender,3828.79,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2023,urban,male,57,55+,fourth,primary,employed_informal,582.85,6,none,1,641,1,microfinance,4560.14,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2018,rural,female,25,18-24,lowest,primary,self_employed,95.17,4,limited,1,690,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,28,25-34,fourth,primary,employed_formal,700.02,10,none,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,43,35-44,middle,secondary,self_employed,187.48,8,limited,1,456,1,digital_lender,6645.25,none,housing,1,6025.45,0.457,18,487.89,late_30_days,not_applicable,low_burden
DRC,2019,rural,male,68,55+,lowest,none,employed_informal,101.7,8,limited,0,370,1,sacco,2492.96,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2025,urban,female,18,18-24,second,primary,self_employed,96.12,7,limited,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,63,55+,lowest,primary,employed_informal,118.51,7,limited,1,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,male,28,25-34,fourth,primary,self_employed,528.75,8,good,0,529,1,family_friends,9474.18,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2018,rural,female,31,25-34,middle,none,self_employed,114.22,3,none,0,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,50,45-54,lowest,tertiary,farmer,87.32,6,excellent,0,632,1,microfinance,3883.35,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2022,rural,female,55,45-54,middle,primary,employed_formal,428.86,5,none,1,452,1,commercial_bank,4870.8,none,education,1,4527.43,0.153,18,290.12,current,not_applicable,low_burden
Kenya,2023,urban,female,63,55+,middle,primary,self_employed,315.25,4,limited,0,586,1,sacco,7578.39,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2024,rural,female,18,18-24,middle,secondary,farmer,112.46,3,good,0,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,20,18-24,lowest,tertiary,employed_informal,68.22,3,none,0,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,42,35-44,lowest,primary,self_employed,88.68,6,good,1,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,male,47,45-54,second,primary,self_employed,101.22,5,limited,1,654,1,commercial_bank,870.91,none,business,1,756.99,0.152,12,72.68,current,not_applicable,low_burden
DRC,2024,rural,female,31,25-34,fourth,secondary,farmer,162.87,5,good,1,841,1,informal_lender,2003.88,guarantor,agriculture,1,1773.37,0.787,6,528.1,current,not_applicable,low_burden
Niger,2024,rural,female,51,45-54,middle,primary,self_employed,288.14,9,none,0,202,1,family_friends,3652.61,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2020,rural,female,31,25-34,second,primary,unemployed,215.86,1,limited,0,64,1,family_friends,8690.05,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2025,urban,male,66,55+,lowest,tertiary,farmer,404.7,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,27,25-34,fourth,tertiary,self_employed,525.49,8,none,0,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,52,45-54,lowest,secondary,employed_informal,25.84,3,limited,1,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,male,45,35-44,middle,none,self_employed,833.94,10,limited,1,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,female,23,18-24,second,secondary,employed_informal,253.87,7,limited,0,522,1,family_friends,1926.0,property,business,1,1656.37,0.054,18,96.97,current,not_applicable,low_burden
Nigeria,2021,urban,female,49,45-54,lowest,tertiary,self_employed,22.08,3,limited,1,130,1,digital_lender,1718.77,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2022,rural,female,25,18-24,middle,tertiary,employed_informal,97.23,6,good,0,697,1,family_friends,3789.56,vehicle,business,1,3744.36,0.034,6,645.08,paid_off,not_applicable,low_burden
Ghana,2022,rural,female,46,45-54,lowest,primary,farmer,42.7,10,limited,1,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,51,45-54,middle,primary,farmer,359.6,10,none,0,749,1,informal_lender,6113.4,savings,business,1,5394.53,0.821,12,818.45,current,not_applicable,low_burden
Mali,2020,urban,female,21,18-24,lowest,none,unemployed,16.99,1,good,1,734,1,commercial_bank,1497.29,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2019,rural,female,29,25-34,second,secondary,employed_informal,111.6,1,limited,0,392,1,family_friends,2279.71,guarantor,business,1,2204.88,0.059,24,97.25,defaulted,not_applicable,low_burden
Niger,2023,urban,female,33,25-34,middle,primary,unemployed,515.46,1,none,0,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,rural,male,66,55+,lowest,primary,farmer,8.28,9,none,1,728,1,microfinance,1051.49,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2022,rural,male,29,25-34,middle,primary,farmer,337.33,7,none,0,67,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,urban,male,65,55+,fourth,primary,farmer,902.51,8,good,0,571,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,45,35-44,highest,tertiary,employed_informal,367.11,8,none,0,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,male,67,55+,lowest,primary,unemployed,26.87,4,limited,1,304,1,family_friends,3396.46,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2025,rural,female,61,55+,lowest,primary,self_employed,32.94,6,limited,0,850,1,family_friends,1354.89,none,business,1,1126.02,0.011,12,94.89,current,not_applicable,low_burden
South Africa,2019,urban,female,33,25-34,second,secondary,farmer,27.88,4,excellent,1,726,1,microfinance,525.44,none,business,1,453.69,0.292,36,16.29,current,not_applicable,low_burden
Ghana,2018,rural,male,47,45-54,highest,secondary,employed_informal,528.47,3,none,1,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,female,55,45-54,second,secondary,employed_informal,211.04,4,good,0,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,22,18-24,second,secondary,employed_informal,51.67,8,limited,0,767,1,family_friends,3228.89,equipment,business,1,2700.29,0.06,24,119.31,current,not_applicable,low_burden
Kenya,2024,rural,female,52,45-54,fourth,none,self_employed,651.16,1,none,1,722,1,commercial_bank,16386.73,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2019,urban,female,41,35-44,lowest,none,self_employed,96.56,2,none,1,669,1,digital_lender,1662.45,none,business,1,1427.52,0.453,12,172.87,paid_off,not_applicable,low_burden
South Africa,2023,rural,female,19,18-24,middle,none,unemployed,239.93,4,none,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,63,55+,second,secondary,employed_formal,91.55,10,none,0,695,1,family_friends,6920.01,savings,agriculture,1,6459.97,0.034,12,556.59,current,not_applicable,low_burden
Senegal,2018,rural,male,31,25-34,middle,tertiary,employed_formal,336.45,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,63,55+,fourth,primary,employed_informal,1214.04,1,none,0,73,1,family_friends,11707.93,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2018,urban,female,28,25-34,second,secondary,employed_informal,136.05,3,good,1,637,1,microfinance,1788.16,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2021,rural,female,46,45-54,middle,secondary,self_employed,340.71,2,none,1,557,1,commercial_bank,3381.11,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2022,urban,female,37,35-44,middle,tertiary,farmer,512.21,3,none,0,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,male,64,55+,lowest,primary,unemployed,80.71,5,limited,1,249,1,commercial_bank,1858.16,vehicle,education,1,1539.1,0.147,6,294.27,current,not_applicable,low_burden
Mozambique,2020,urban,male,67,55+,highest,none,employed_informal,3204.32,9,good,1,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,58,55+,fourth,secondary,employed_informal,295.83,3,excellent,1,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,male,61,55+,highest,secondary,farmer,494.34,3,good,0,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,57,55+,fourth,secondary,employed_informal,285.56,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,33,25-34,lowest,tertiary,farmer,100.07,5,none,0,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,female,65,55+,second,primary,self_employed,149.54,3,limited,1,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,45,35-44,second,secondary,farmer,74.54,8,none,0,0,1,informal_lender,3120.89,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2024,urban,female,35,25-34,lowest,primary,employed_formal,287.87,8,good,0,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,27,25-34,second,primary,unemployed,430.51,5,none,1,357,1,microfinance,5078.42,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2023,rural,female,54,45-54,second,primary,unemployed,96.37,5,limited,0,660,1,digital_lender,6059.43,none,agriculture,1,5497.09,0.492,24,341.75,current,not_applicable,low_burden
Senegal,2023,urban,male,32,25-34,lowest,none,employed_formal,34.51,10,none,0,316,1,informal_lender,3470.7,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2022,rural,female,51,45-54,fourth,none,self_employed,1215.34,10,good,1,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,21,18-24,lowest,secondary,self_employed,124.94,6,none,0,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,51,45-54,middle,tertiary,employed_informal,268.49,6,good,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,female,51,45-54,fourth,primary,unemployed,529.44,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,45,35-44,middle,primary,employed_informal,114.22,2,none,0,463,1,informal_lender,1321.02,property,business,1,1057.64,0.795,6,316.4,current,not_applicable,low_burden
DRC,2025,urban,male,52,45-54,lowest,none,employed_informal,67.29,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,69,55+,middle,primary,employed_formal,321.41,10,none,0,0,1,microfinance,2150.73,none,business,1,2143.46,0.291,18,153.76,current,not_applicable,low_burden
Kenya,2023,rural,female,61,55+,fourth,primary,self_employed,241.05,3,none,1,240,1,commercial_bank,6495.34,none,education,1,5242.5,0.202,24,262.58,paid_off,not_applicable,low_burden
Kenya,2018,rural,male,40,35-44,highest,secondary,farmer,899.11,7,none,0,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,female,63,55+,second,tertiary,self_employed,182.67,5,limited,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,female,67,55+,lowest,secondary,farmer,42.88,8,none,0,0,1,family_friends,1665.64,guarantor,business,1,1583.83,0.026,12,135.36,paid_off,not_applicable,low_burden
Ghana,2019,urban,female,26,25-34,middle,secondary,employed_formal,928.07,7,limited,0,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,male,36,35-44,lowest,secondary,farmer,91.3,10,good,0,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,56,55+,fourth,none,self_employed,415.62,6,none,0,2,1,family_friends,5026.87,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2022,urban,female,44,35-44,fourth,primary,self_employed,725.48,3,none,0,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,25,18-24,fourth,none,self_employed,94.0,5,none,1,0,1,microfinance,4290.22,guarantor,emergency,1,4178.04,0.297,12,451.42,late_30_days,not_applicable,low_burden
Rwanda,2019,urban,male,42,35-44,highest,primary,unemployed,701.41,1,none,1,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,female,37,35-44,middle,tertiary,farmer,102.43,8,excellent,0,850,1,informal_lender,5352.19,none,housing,1,5348.15,0.833,12,816.8,defaulted,not_applicable,low_burden
Nigeria,2024,rural,male,56,55+,highest,primary,farmer,724.58,4,none,0,71,1,microfinance,3325.48,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2021,urban,female,44,35-44,middle,primary,self_employed,374.82,1,limited,0,25,1,sacco,1412.75,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2022,urban,male,25,18-24,lowest,primary,employed_formal,99.21,10,excellent,0,850,1,family_friends,2950.22,guarantor,education,1,2743.77,0.091,24,124.7,current,not_applicable,low_burden
Ethiopia,2021,rural,female,20,18-24,fourth,primary,self_employed,752.45,10,none,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,32,25-34,fourth,tertiary,farmer,172.46,3,limited,0,102,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,female,26,25-34,highest,primary,farmer,379.5,9,good,0,345,1,microfinance,3223.72,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2024,rural,female,63,55+,lowest,secondary,self_employed,80.51,1,limited,0,575,1,microfinance,3024.92,savings,agriculture,1,2786.91,0.317,48,76.45,paid_off,not_applicable,low_burden
Niger,2023,rural,female,32,25-34,second,none,employed_informal,145.92,4,none,0,0,1,informal_lender,3489.11,equipment,emergency,1,3180.38,0.813,48,120.14,current,not_applicable,low_burden
Mali,2020,rural,male,50,45-54,fourth,none,employed_informal,131.3,1,good,1,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,24,18-24,lowest,primary,employed_formal,139.2,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,female,40,35-44,middle,tertiary,farmer,878.81,7,good,1,446,1,informal_lender,4193.31,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2023,rural,female,66,55+,middle,primary,unemployed,269.41,6,good,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,51,45-54,lowest,secondary,self_employed,20.95,9,good,1,725,1,microfinance,6015.94,property,business,1,5732.72,0.306,6,1247.92,current,not_applicable,low_burden
South Africa,2020,rural,male,32,25-34,lowest,none,farmer,67.36,10,limited,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,urban,female,56,55+,fourth,secondary,farmer,624.25,7,none,1,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,44,35-44,lowest,secondary,employed_informal,49.8,4,good,0,298,1,informal_lender,2430.79,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2022,rural,male,30,25-34,fourth,secondary,employed_informal,846.74,10,none,0,540,1,family_friends,5257.35,equipment,business,1,5121.43,0.063,18,302.55,current,not_applicable,low_burden
Zambia,2018,urban,male,69,55+,fourth,primary,employed_informal,453.57,1,good,1,497,1,family_friends,6143.89,savings,education,1,5563.55,0.073,18,331.59,paid_off,not_applicable,low_burden
South Africa,2019,rural,female,66,55+,middle,none,unemployed,872.62,5,none,1,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,male,47,45-54,second,tertiary,employed_formal,313.09,10,limited,0,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,urban,female,19,18-24,lowest,secondary,self_employed,109.02,1,good,1,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,39,35-44,fourth,primary,self_employed,628.05,7,good,0,641,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,44,35-44,lowest,primary,farmer,175.9,9,none,0,46,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,urban,male,66,55+,second,none,employed_informal,339.56,7,limited,0,486,1,informal_lender,7078.19,equipment,consumption,1,6682.04,0.822,36,338.2,current,not_applicable,low_burden
Malawi,2024,urban,female,56,55+,highest,primary,unemployed,939.39,6,none,1,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,female,29,25-34,second,primary,employed_informal,114.02,3,none,0,334,1,sacco,2282.73,savings,education,1,2265.56,0.274,18,160.36,current,not_applicable,low_burden
South Africa,2024,rural,male,44,35-44,second,none,unemployed,55.3,3,limited,0,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,27,25-34,highest,primary,self_employed,120.28,9,excellent,1,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,42,35-44,lowest,secondary,self_employed,68.05,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,male,45,35-44,lowest,tertiary,farmer,68.51,6,limited,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,female,44,35-44,second,secondary,self_employed,96.01,10,good,0,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,male,40,35-44,fourth,secondary,employed_informal,677.57,5,none,1,670,1,sacco,27303.19,property,agriculture,1,22453.34,0.28,12,2394.76,current,not_applicable,low_burden
Nigeria,2022,rural,female,40,35-44,highest,secondary,farmer,613.92,9,none,1,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,59,55+,fourth,primary,self_employed,1853.61,8,limited,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,male,44,35-44,highest,secondary,self_employed,663.25,3,good,0,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,20,18-24,lowest,none,farmer,30.53,4,limited,0,55,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,56,55+,middle,none,farmer,82.93,5,none,1,650,1,family_friends,1179.73,none,agriculture,1,1082.93,0.071,12,96.63,current,not_applicable,low_burden
South Africa,2021,urban,male,50,45-54,lowest,secondary,self_employed,149.04,5,none,1,615,1,digital_lender,1551.76,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2022,rural,male,54,45-54,highest,primary,employed_informal,1486.76,6,none,0,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,54,45-54,highest,secondary,employed_informal,653.43,7,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,27,25-34,second,secondary,self_employed,85.93,5,none,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,male,68,55+,fourth,none,employed_informal,962.48,7,none,0,582,1,employer,2990.59,none,education,1,2432.77,0.053,24,106.76,current,not_applicable,low_burden
Mozambique,2020,rural,male,69,55+,middle,primary,employed_informal,72.46,7,limited,0,48,1,informal_lender,2795.15,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2024,urban,male,25,18-24,lowest,secondary,farmer,182.27,10,none,0,593,1,commercial_bank,5338.81,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2021,rural,female,29,25-34,middle,secondary,employed_informal,134.11,9,none,0,82,1,informal_lender,2918.3,none,consumption,1,2588.91,0.844,18,265.27,late_30_days,not_applicable,low_burden
Mozambique,2020,rural,female,30,25-34,highest,secondary,employed_informal,876.8,6,limited,1,850,1,family_friends,9972.26,guarantor,housing,1,9426.08,0.01,6,1587.28,defaulted,not_applicable,low_burden
Ghana,2022,urban,female,68,55+,second,primary,farmer,384.58,2,none,1,722,1,commercial_bank,7118.46,property,housing,1,6236.2,0.229,36,212.89,late_60_days,not_applicable,low_burden
Ghana,2024,rural,female,66,55+,lowest,secondary,farmer,84.07,4,limited,1,46,1,sacco,2381.67,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2020,rural,female,31,25-34,highest,primary,farmer,540.04,4,excellent,1,804,1,microfinance,8009.99,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2025,rural,male,50,45-54,second,none,self_employed,322.33,3,none,0,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,30,25-34,second,secondary,self_employed,148.52,10,none,0,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,19,18-24,fourth,primary,unemployed,4341.93,2,limited,0,824,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,29,25-34,middle,none,employed_informal,90.44,10,limited,0,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,female,22,18-24,second,primary,employed_formal,54.29,5,excellent,1,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,male,62,55+,lowest,secondary,employed_informal,120.82,8,none,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,58,55+,fourth,tertiary,unemployed,322.5,2,good,0,660,1,informal_lender,4484.65,savings,consumption,1,3677.51,0.763,18,360.26,current,not_applicable,low_burden
Malawi,2018,urban,female,27,25-34,middle,tertiary,employed_informal,519.64,8,limited,0,214,1,informal_lender,4775.34,guarantor,education,1,4612.88,0.753,12,673.92,current,not_applicable,low_burden
Zambia,2021,urban,male,47,45-54,fourth,primary,self_employed,228.02,4,none,1,207,1,microfinance,3258.54,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2025,rural,female,28,25-34,highest,primary,self_employed,689.67,6,limited,0,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,female,47,45-54,lowest,secondary,unemployed,123.77,1,none,1,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,female,64,55+,highest,primary,employed_informal,677.03,7,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,male,63,55+,fourth,primary,self_employed,387.84,2,none,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,61,55+,highest,primary,unemployed,256.02,3,none,1,599,1,family_friends,5292.75,none,asset_purchase,1,4492.48,0.09,12,408.03,paid_off,not_applicable,low_burden
Mali,2020,rural,female,30,25-34,lowest,secondary,employed_informal,79.42,5,limited,1,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,27,25-34,second,secondary,self_employed,333.66,8,none,0,54,1,digital_lender,10620.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2018,urban,male,26,25-34,middle,primary,employed_formal,125.46,4,none,1,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,24,18-24,highest,none,employed_informal,267.67,2,none,1,372,1,digital_lender,2273.28,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,urban,female,49,45-54,highest,secondary,employed_formal,2278.48,10,limited,0,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,male,52,45-54,second,secondary,employed_informal,72.05,4,excellent,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,63,55+,middle,primary,employed_informal,360.23,3,none,0,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,female,22,18-24,lowest,primary,farmer,62.62,10,excellent,0,293,1,microfinance,1973.55,none,debt_consolidation,1,1777.12,0.32,12,195.54,current,not_applicable,low_burden
DRC,2021,rural,male,31,25-34,fourth,tertiary,self_employed,246.13,10,limited,1,219,1,commercial_bank,4994.87,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2023,urban,male,55,45-54,fourth,secondary,self_employed,1373.18,1,good,1,376,1,commercial_bank,25821.66,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2022,rural,female,53,45-54,fourth,secondary,farmer,631.45,6,limited,1,777,1,commercial_bank,8548.1,guarantor,agriculture,1,7094.6,0.159,18,456.68,current,not_applicable,low_burden
Zambia,2020,rural,male,40,35-44,second,secondary,unemployed,147.54,3,limited,0,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,25,18-24,highest,tertiary,employed_informal,147.15,8,good,1,428,1,sacco,2267.14,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2019,rural,female,43,35-44,lowest,primary,employed_formal,99.18,6,limited,0,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,urban,female,26,25-34,middle,primary,employed_formal,140.99,10,good,0,850,1,digital_lender,2085.12,savings,asset_purchase,1,2080.67,0.457,18,168.44,late_30_days,not_applicable,low_burden
Malawi,2024,rural,female,45,35-44,middle,primary,farmer,171.29,7,good,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,64,55+,middle,secondary,farmer,201.03,9,limited,0,312,1,commercial_bank,7547.94,guarantor,agriculture,1,6616.09,0.168,48,160.96,late_30_days,not_applicable,low_burden
Malawi,2025,rural,female,28,25-34,fourth,none,self_employed,1244.4,7,limited,0,310,1,family_friends,7167.52,guarantor,consumption,1,6911.89,0.099,6,1265.87,paid_off,not_applicable,low_burden
Kenya,2021,rural,female,24,18-24,middle,primary,employed_informal,167.51,9,limited,0,742,1,family_friends,1857.27,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2018,rural,female,56,55+,lowest,primary,self_employed,22.25,1,limited,0,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,19,18-24,lowest,secondary,farmer,251.41,3,limited,1,510,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,female,69,55+,middle,secondary,employed_informal,495.88,6,limited,0,181,1,employer,11006.35,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2019,rural,female,58,55+,fourth,primary,employed_formal,562.51,7,none,1,0,1,informal_lender,7579.4,guarantor,education,1,6646.46,0.827,12,1012.14,current,not_applicable,low_burden
DRC,2025,rural,female,38,35-44,middle,primary,employed_informal,566.92,2,excellent,0,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,36,35-44,second,secondary,farmer,405.27,8,none,0,151,1,informal_lender,2699.79,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2025,urban,female,38,35-44,lowest,none,unemployed,48.14,6,none,0,573,1,informal_lender,1062.39,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2019,urban,female,38,35-44,fourth,secondary,employed_informal,185.79,6,none,1,547,1,family_friends,1103.26,savings,business,1,959.76,0.066,12,85.23,current,not_applicable,low_burden
Rwanda,2018,rural,male,61,55+,middle,primary,unemployed,360.7,3,none,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,rural,male,59,55+,middle,tertiary,self_employed,166.43,7,limited,0,568,1,informal_lender,2668.88,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2019,urban,female,28,25-34,second,primary,farmer,160.46,5,none,1,338,1,sacco,4587.41,guarantor,business,1,3890.57,0.302,6,844.39,late_30_days,not_applicable,low_burden
Tanzania,2021,rural,male,27,25-34,second,secondary,farmer,55.32,7,none,0,203,1,digital_lender,4462.06,savings,housing,1,3930.66,0.403,24,229.71,late_60_days,not_applicable,low_burden
Ethiopia,2020,urban,female,46,45-54,second,none,self_employed,272.34,9,none,0,518,1,sacco,6086.68,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2022,rural,female,51,45-54,lowest,primary,employed_formal,79.82,5,none,1,66,1,informal_lender,1324.27,guarantor,business,1,1291.23,0.83,24,98.44,current,not_applicable,low_burden
Senegal,2022,urban,male,55,45-54,fourth,secondary,employed_informal,441.19,3,excellent,0,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,34,25-34,second,secondary,farmer,68.48,2,limited,1,705,1,commercial_bank,2300.25,none,housing,1,2144.6,0.135,36,67.6,paid_off,not_applicable,low_burden
Ethiopia,2018,urban,female,43,35-44,second,secondary,self_employed,421.88,8,none,0,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,23,18-24,highest,secondary,employed_informal,794.18,7,limited,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,41,35-44,second,secondary,self_employed,265.29,7,limited,1,814,1,commercial_bank,11004.52,none,business,1,8920.46,0.141,18,565.61,current,not_applicable,low_burden
Rwanda,2018,rural,male,53,45-54,middle,tertiary,employed_informal,45.89,7,limited,1,580,1,digital_lender,1713.77,none,agriculture,1,1556.48,0.459,12,189.23,current,not_applicable,low_burden
Senegal,2020,rural,male,33,25-34,second,primary,employed_informal,126.23,6,none,0,550,1,family_friends,5510.02,equipment,business,1,4956.56,0.076,12,444.31,late_30_days,not_applicable,low_burden
South Africa,2022,urban,female,34,25-34,second,tertiary,farmer,109.56,9,limited,0,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,42,35-44,lowest,primary,self_employed,92.17,2,none,0,171,1,family_friends,4516.9,none,business,1,4234.1,0.041,18,244.85,current,not_applicable,low_burden
Zambia,2020,rural,female,63,55+,highest,primary,employed_informal,1285.07,7,none,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,female,49,45-54,middle,secondary,self_employed,386.56,9,excellent,0,850,1,family_friends,8556.48,savings,emergency,1,8137.76,0.059,18,478.73,current,not_applicable,low_burden
Nigeria,2022,rural,male,65,55+,fourth,none,unemployed,333.95,1,none,0,225,1,digital_lender,6627.1,property,agriculture,1,6051.51,0.497,6,1510.22,paid_off,not_applicable,low_burden
Ethiopia,2020,rural,male,21,18-24,highest,none,employed_informal,669.99,8,none,1,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,female,62,55+,lowest,none,employed_informal,20.22,1,none,0,0,1,informal_lender,2671.92,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2021,urban,female,20,18-24,fourth,secondary,self_employed,260.79,2,limited,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,34,25-34,lowest,secondary,employed_formal,132.06,7,none,0,703,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,female,40,35-44,second,none,employed_formal,127.03,10,none,0,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,30,25-34,fourth,none,employed_formal,1092.92,7,none,1,211,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,69,55+,lowest,primary,employed_informal,107.42,5,none,0,49,1,microfinance,1339.56,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2018,rural,female,64,55+,highest,primary,self_employed,1228.76,8,limited,1,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,female,47,45-54,middle,none,employed_informal,252.49,8,none,0,714,1,sacco,11360.87,property,emergency,1,11078.9,0.298,36,399.5,late_30_days,not_applicable,low_burden
Niger,2019,urban,female,41,35-44,second,none,self_employed,133.37,7,limited,0,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,male,57,55+,lowest,secondary,farmer,54.19,1,none,1,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,female,54,45-54,middle,secondary,employed_formal,313.12,10,excellent,1,452,1,family_friends,1686.77,property,agriculture,1,1566.01,0.004,36,43.69,paid_off,not_applicable,low_burden
Kenya,2025,rural,female,42,35-44,middle,primary,employed_informal,45.17,3,limited,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,61,55+,lowest,primary,unemployed,143.88,2,none,1,483,1,informal_lender,4411.84,none,asset_purchase,1,3827.73,0.772,24,282.64,current,not_applicable,low_burden
Niger,2022,urban,female,28,25-34,middle,none,self_employed,210.24,8,none,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,32,25-34,lowest,primary,farmer,56.71,3,limited,0,570,1,sacco,2459.46,equipment,education,1,2152.68,0.315,12,235.83,current,not_applicable,low_burden
Nigeria,2023,rural,male,18,18-24,highest,primary,self_employed,628.89,7,limited,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,male,24,18-24,second,tertiary,unemployed,117.97,2,none,1,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,male,28,25-34,middle,secondary,employed_informal,79.74,2,none,0,422,1,digital_lender,1989.66,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2025,rural,female,50,45-54,fourth,primary,employed_formal,366.69,6,limited,0,61,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,62,55+,fourth,none,farmer,499.88,8,none,0,217,1,employer,3347.81,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2018,rural,male,48,45-54,highest,secondary,employed_formal,158.73,4,none,1,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,male,41,35-44,highest,tertiary,self_employed,398.52,4,none,0,216,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,male,32,25-34,lowest,none,employed_formal,168.25,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,male,23,18-24,second,secondary,employed_informal,199.37,4,none,1,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,48,45-54,fourth,primary,farmer,406.44,5,none,1,741,1,microfinance,7695.69,savings,consumption,1,7477.95,0.348,12,839.86,current,not_applicable,low_burden
South Africa,2024,rural,male,25,18-24,lowest,secondary,self_employed,37.37,10,none,0,578,1,digital_lender,3478.3,guarantor,emergency,1,2963.39,0.442,24,178.04,current,not_applicable,low_burden
Nigeria,2022,rural,male,59,55+,fourth,primary,self_employed,544.16,1,limited,1,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,male,39,35-44,lowest,secondary,employed_informal,25.95,10,limited,1,162,1,commercial_bank,1755.31,none,business,1,1454.29,0.189,12,144.08,current,not_applicable,low_burden
Zambia,2021,urban,male,36,35-44,highest,primary,employed_informal,899.81,8,limited,0,514,1,informal_lender,6389.27,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2018,urban,male,19,18-24,fourth,secondary,farmer,197.11,10,limited,0,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,female,30,25-34,middle,secondary,employed_formal,178.56,10,limited,1,799,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,18,18-24,second,secondary,self_employed,58.97,10,limited,0,722,1,digital_lender,5546.98,equipment,business,1,5272.2,0.457,12,639.95,paid_off,not_applicable,low_burden
Ghana,2025,rural,female,55,45-54,highest,secondary,self_employed,1127.08,1,excellent,1,850,1,digital_lender,6456.82,none,emergency,1,5717.5,0.449,18,460.19,current,not_applicable,low_burden
Uganda,2020,rural,male,43,35-44,fourth,none,employed_informal,446.55,8,good,1,850,1,commercial_bank,5601.62,guarantor,consumption,1,4735.24,0.146,6,904.35,late_60_days,not_applicable,low_burden
Kenya,2019,rural,female,58,55+,fourth,secondary,employed_informal,221.17,8,none,1,0,1,microfinance,3842.25,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2021,rural,female,47,45-54,fourth,none,farmer,707.35,10,limited,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,male,67,55+,lowest,secondary,self_employed,30.84,1,none,0,640,1,digital_lender,8790.32,guarantor,agriculture,1,8490.73,0.407,6,1990.8,late_30_days,not_applicable,low_burden
Uganda,2021,urban,male,58,55+,lowest,none,employed_formal,87.67,9,none,1,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,female,25,18-24,lowest,primary,unemployed,39.17,2,none,1,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,24,18-24,middle,primary,employed_informal,336.29,1,good,1,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,64,55+,middle,tertiary,farmer,468.12,7,good,0,743,1,digital_lender,3536.76,savings,agriculture,1,2960.24,0.42,6,700.74,current,not_applicable,low_burden
Niger,2020,rural,female,31,25-34,second,secondary,employed_formal,301.78,8,limited,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,male,57,55+,highest,none,self_employed,703.74,5,limited,1,450,1,commercial_bank,11345.73,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2022,rural,female,50,45-54,lowest,secondary,self_employed,7.59,7,none,0,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,54,45-54,fourth,primary,employed_formal,243.89,10,excellent,1,688,1,microfinance,1628.34,property,agriculture,1,1541.21,0.297,12,166.58,current,not_applicable,low_burden
Ghana,2021,urban,male,31,25-34,middle,primary,farmer,892.48,7,none,1,121,1,microfinance,4263.73,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2025,urban,male,34,25-34,second,primary,employed_informal,144.15,4,excellent,1,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,46,45-54,lowest,secondary,self_employed,23.48,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,19,18-24,fourth,tertiary,farmer,673.74,3,none,0,237,1,microfinance,5624.09,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2022,rural,female,34,25-34,fourth,tertiary,self_employed,475.88,4,limited,0,641,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,44,35-44,second,none,self_employed,72.91,5,none,0,567,1,family_friends,2584.26,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2024,rural,female,28,25-34,middle,none,employed_informal,168.27,4,none,1,333,1,commercial_bank,3302.92,property,housing,1,2867.06,0.149,12,274.46,late_30_days,not_applicable,low_burden
Mozambique,2019,urban,male,32,25-34,middle,secondary,employed_formal,164.88,7,limited,1,232,1,digital_lender,3639.01,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2022,urban,male,69,55+,second,primary,unemployed,260.89,6,limited,1,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,male,33,25-34,middle,secondary,self_employed,310.42,2,none,0,56,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,64,55+,second,tertiary,self_employed,53.64,6,limited,1,796,1,family_friends,1638.42,property,consumption,1,1544.17,0.019,24,65.58,current,not_applicable,low_burden
South Africa,2023,urban,female,66,55+,highest,primary,self_employed,984.01,5,limited,1,830,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,male,53,45-54,fourth,primary,self_employed,197.39,1,none,0,514,1,commercial_bank,8984.47,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2021,rural,female,25,18-24,lowest,tertiary,employed_formal,167.51,6,none,0,188,1,microfinance,2132.73,none,business,1,2035.86,0.331,12,225.78,current,not_applicable,low_burden
Ethiopia,2020,rural,female,28,25-34,fourth,secondary,employed_informal,616.41,3,limited,1,122,1,commercial_bank,10213.77,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2019,urban,male,66,55+,second,tertiary,self_employed,166.12,5,good,0,128,1,family_friends,5817.76,equipment,asset_purchase,1,4837.2,0.045,12,421.42,late_30_days,not_applicable,low_burden
Senegal,2024,urban,female,18,18-24,highest,secondary,employed_informal,1048.44,5,none,1,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,44,35-44,middle,primary,employed_formal,406.65,9,limited,0,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,49,45-54,lowest,secondary,self_employed,53.35,4,limited,0,314,1,informal_lender,1399.75,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2024,urban,male,61,55+,fourth,secondary,self_employed,836.47,8,limited,1,679,1,commercial_bank,5922.81,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
South Africa,2025,rural,male,64,55+,lowest,tertiary,self_employed,169.44,4,good,0,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,32,25-34,highest,primary,farmer,470.93,9,limited,1,782,1,commercial_bank,5859.65,none,education,1,5654.35,0.155,6,1088.48,current,not_applicable,low_burden
Ghana,2020,rural,female,44,35-44,highest,secondary,self_employed,2101.95,10,none,1,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,female,50,45-54,fourth,primary,employed_formal,1270.16,10,good,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,68,55+,middle,primary,farmer,355.07,2,limited,0,127,1,commercial_bank,14327.07,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2025,urban,male,46,45-54,middle,tertiary,self_employed,218.67,9,limited,1,513,1,sacco,3463.24,none,business,1,3198.96,0.294,12,344.84,current,not_applicable,low_burden
DRC,2022,urban,male,24,18-24,second,tertiary,self_employed,213.49,9,limited,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,66,55+,lowest,secondary,unemployed,50.76,2,none,1,0,1,digital_lender,21321.17,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2024,rural,male,44,35-44,highest,tertiary,employed_formal,381.22,7,limited,1,373,1,microfinance,8550.39,vehicle,business,1,8309.4,0.284,6,1778.66,late_60_days,not_applicable,low_burden
Rwanda,2019,rural,female,27,25-34,second,primary,self_employed,176.07,8,limited,1,1,1,commercial_bank,4872.38,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2018,rural,female,27,25-34,second,secondary,employed_informal,59.26,7,none,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,male,28,25-34,lowest,secondary,employed_formal,70.9,10,none,0,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,55,45-54,highest,secondary,self_employed,788.82,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,male,67,55+,highest,secondary,employed_informal,255.35,9,limited,0,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,40,35-44,second,secondary,employed_formal,192.34,10,limited,1,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,23,18-24,second,tertiary,self_employed,103.39,8,none,1,410,1,informal_lender,5455.49,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Malawi,2020,urban,male,64,55+,fourth,primary,employed_informal,1221.1,4,limited,0,116,1,family_friends,3061.9,vehicle,business,1,2468.77,0.069,12,219.96,current,not_applicable,low_burden
Nigeria,2023,urban,male,51,45-54,second,secondary,self_employed,152.48,10,none,0,13,1,digital_lender,7564.13,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,urban,male,47,45-54,highest,primary,employed_formal,745.24,10,limited,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,21,18-24,highest,primary,self_employed,352.51,5,limited,1,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,68,55+,fourth,secondary,self_employed,338.88,1,limited,0,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,22,18-24,lowest,secondary,self_employed,62.15,10,excellent,0,850,1,family_friends,1186.95,none,business,1,1129.22,0.048,24,49.29,current,not_applicable,low_burden
Zambia,2020,rural,female,49,45-54,fourth,tertiary,farmer,554.22,6,none,1,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,female,49,45-54,highest,primary,unemployed,1038.19,1,none,0,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,44,35-44,second,none,employed_formal,525.35,10,limited,1,140,1,informal_lender,10329.8,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2022,urban,female,46,45-54,highest,secondary,self_employed,1363.31,1,limited,1,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,38,35-44,second,tertiary,farmer,60.8,9,limited,0,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,female,47,45-54,highest,tertiary,self_employed,313.65,2,excellent,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,36,35-44,middle,tertiary,unemployed,290.81,1,limited,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,male,42,35-44,lowest,primary,farmer,44.06,6,none,1,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,53,45-54,middle,tertiary,farmer,303.3,7,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,56,55+,lowest,primary,employed_formal,112.76,4,good,0,496,1,digital_lender,2327.91,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2025,urban,male,25,18-24,second,tertiary,employed_informal,344.51,6,none,0,485,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,female,69,55+,highest,secondary,self_employed,539.09,2,limited,0,738,1,microfinance,3834.3,none,agriculture,1,3823.51,0.336,36,141.94,current,not_applicable,low_burden
Kenya,2024,rural,male,23,18-24,lowest,primary,self_employed,114.82,10,good,0,850,1,digital_lender,9690.7,savings,consumption,1,9114.85,0.438,12,1092.15,defaulted,not_applicable,low_burden
Ghana,2021,urban,female,32,25-34,highest,secondary,farmer,1241.57,4,good,1,357,1,commercial_bank,8141.98,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2023,urban,female,36,35-44,lowest,secondary,unemployed,58.72,1,none,0,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,male,34,25-34,middle,primary,employed_informal,266.86,7,limited,0,518,1,commercial_bank,1867.14,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2023,urban,male,36,35-44,highest,none,self_employed,1377.76,2,none,0,708,1,family_friends,16172.3,savings,agriculture,1,15906.43,0.009,12,1336.8,late_30_days,not_applicable,low_burden
Uganda,2018,rural,male,34,25-34,middle,secondary,farmer,124.88,2,good,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,female,40,35-44,highest,tertiary,farmer,820.26,10,limited,0,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,57,55+,highest,secondary,farmer,2725.04,6,limited,1,172,1,informal_lender,5689.96,property,business,1,5023.96,0.832,24,383.56,paid_off,not_applicable,low_burden
Niger,2023,rural,male,61,55+,middle,none,self_employed,392.74,3,none,1,226,1,sacco,12349.08,property,agriculture,1,11612.1,0.274,18,821.98,late_60_days,not_applicable,low_burden
Uganda,2018,urban,male,36,35-44,fourth,secondary,unemployed,520.98,3,none,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,male,31,25-34,lowest,none,self_employed,105.87,9,none,1,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,urban,male,53,45-54,second,primary,employed_formal,124.17,10,limited,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,female,21,18-24,second,none,employed_informal,84.89,5,limited,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,41,35-44,fourth,primary,self_employed,112.42,7,good,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,male,29,25-34,fourth,primary,farmer,393.11,9,none,0,439,1,family_friends,5407.47,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2024,urban,female,49,45-54,middle,none,self_employed,481.1,3,none,1,453,1,family_friends,2756.09,none,education,1,2517.53,0.037,12,217.5,late_30_days,not_applicable,low_burden
Rwanda,2025,urban,female,22,18-24,highest,primary,self_employed,942.68,8,limited,1,820,1,digital_lender,12674.19,none,agriculture,1,10989.07,0.459,36,445.21,late_30_days,not_applicable,low_burden
Malawi,2019,urban,female,61,55+,lowest,secondary,self_employed,48.63,10,limited,1,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,32,25-34,highest,primary,farmer,695.48,4,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,44,35-44,lowest,none,employed_informal,229.88,9,none,1,633,1,family_friends,6027.45,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2023,rural,female,47,45-54,second,secondary,self_employed,227.44,1,none,1,192,1,family_friends,1227.96,property,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ghana,2021,rural,female,42,35-44,middle,secondary,employed_informal,195.92,4,limited,1,295,1,commercial_bank,3982.52,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2019,rural,male,41,35-44,second,secondary,self_employed,508.53,3,good,1,236,1,family_friends,7239.55,vehicle,debt_consolidation,1,6693.99,0.066,12,594.9,current,not_applicable,low_burden
Niger,2020,rural,female,31,25-34,fourth,primary,self_employed,2180.74,1,good,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,urban,female,58,55+,fourth,secondary,self_employed,351.5,7,limited,0,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,44,35-44,fourth,secondary,self_employed,277.6,6,limited,1,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,female,29,25-34,lowest,secondary,unemployed,146.01,1,good,1,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,31,25-34,lowest,secondary,unemployed,31.79,5,good,1,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,40,35-44,lowest,none,employed_informal,109.15,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,female,61,55+,middle,primary,employed_informal,320.33,9,none,1,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,67,55+,lowest,primary,employed_formal,78.14,10,good,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,male,38,35-44,second,primary,employed_informal,120.97,9,good,1,850,1,employer,3945.86,savings,agriculture,1,3441.46,0.048,36,100.2,current,not_applicable,low_burden
Niger,2018,urban,female,38,35-44,fourth,tertiary,employed_informal,283.42,1,limited,1,581,1,commercial_bank,4289.59,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2024,rural,female,24,18-24,highest,primary,unemployed,165.42,6,none,0,299,1,informal_lender,6047.53,guarantor,emergency,1,5986.28,0.83,36,304.28,late_30_days,not_applicable,low_burden
Tanzania,2019,rural,female,46,45-54,fourth,secondary,unemployed,932.31,1,good,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,30,25-34,lowest,tertiary,employed_informal,116.43,8,none,0,168,1,sacco,4733.05,equipment,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2021,rural,female,60,55+,middle,secondary,farmer,320.43,8,none,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,45,35-44,lowest,primary,farmer,76.87,2,limited,0,597,1,digital_lender,2908.3,none,business,1,2790.59,0.448,36,112.24,current,not_applicable,low_burden
Kenya,2024,urban,male,29,25-34,second,tertiary,self_employed,36.07,1,limited,0,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,female,65,55+,second,primary,unemployed,106.97,1,none,1,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,60,55+,highest,none,unemployed,555.05,1,limited,0,554,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,female,33,25-34,middle,primary,unemployed,139.96,1,limited,0,735,1,informal_lender,3140.67,none,consumption,1,3059.56,0.834,6,934.99,paid_off,not_applicable,low_burden
Kenya,2023,rural,female,24,18-24,second,primary,farmer,37.07,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,31,25-34,middle,secondary,self_employed,150.53,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,male,37,35-44,highest,primary,employed_informal,1025.28,9,limited,1,623,1,commercial_bank,8751.28,savings,business,1,8113.68,0.155,12,780.73,late_30_days,not_applicable,low_burden
Zambia,2018,rural,male,39,35-44,lowest,secondary,unemployed,62.36,1,good,0,200,1,informal_lender,1829.71,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2020,rural,female,60,55+,fourth,none,employed_informal,622.4,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,male,68,55+,lowest,tertiary,self_employed,255.33,5,none,0,2,1,informal_lender,2489.13,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2023,rural,male,56,55+,lowest,none,employed_informal,97.35,6,limited,1,628,1,commercial_bank,1596.8,property,consumption,1,1545.85,0.177,12,151.65,current,not_applicable,low_burden
Zambia,2025,urban,female,61,55+,highest,tertiary,self_employed,876.06,8,good,0,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,male,24,18-24,lowest,none,employed_formal,212.42,6,none,1,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,25,18-24,fourth,tertiary,farmer,162.55,1,limited,0,737,1,family_friends,3617.14,equipment,education,1,3159.09,0.003,24,132.04,current,not_applicable,low_burden
DRC,2023,rural,female,65,55+,lowest,secondary,self_employed,14.06,3,none,0,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,male,49,45-54,middle,secondary,self_employed,160.39,9,limited,0,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,30,25-34,middle,none,self_employed,353.13,6,none,0,83,1,family_friends,3127.03,savings,consumption,1,2915.29,0.058,12,256.99,current,not_applicable,low_burden
Uganda,2018,urban,female,59,55+,highest,secondary,self_employed,1114.67,10,none,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,27,25-34,fourth,secondary,farmer,149.68,9,none,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,male,57,55+,fourth,secondary,unemployed,198.21,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,63,55+,second,secondary,farmer,50.87,1,none,0,568,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,female,43,35-44,lowest,tertiary,self_employed,37.68,1,none,1,145,1,commercial_bank,1961.59,property,debt_consolidation,1,1700.21,0.17,12,165.81,paid_off,not_applicable,low_burden
Uganda,2025,rural,male,52,45-54,middle,tertiary,farmer,592.33,2,limited,0,374,1,informal_lender,14284.97,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2022,urban,female,56,55+,middle,secondary,self_employed,269.86,5,none,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,63,55+,lowest,none,self_employed,310.14,1,none,0,497,1,microfinance,4387.29,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2020,urban,male,48,45-54,highest,none,farmer,531.29,9,none,0,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,33,25-34,second,secondary,self_employed,255.21,5,excellent,1,776,1,commercial_bank,4993.61,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2020,rural,male,28,25-34,lowest,tertiary,self_employed,70.62,8,none,0,0,1,informal_lender,2406.47,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2019,urban,male,36,35-44,highest,primary,farmer,1833.71,9,limited,0,338,1,sacco,22122.89,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2022,urban,male,20,18-24,middle,none,employed_informal,356.56,1,none,0,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,54,45-54,fourth,primary,farmer,657.13,5,none,1,511,1,sacco,18124.9,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2019,rural,female,37,35-44,lowest,primary,self_employed,88.79,7,good,1,618,1,commercial_bank,2279.87,property,education,1,2094.96,0.198,12,209.17,current,not_applicable,low_burden
Nigeria,2020,rural,female,55,45-54,second,tertiary,self_employed,56.51,10,limited,0,799,1,family_friends,3913.06,guarantor,business,1,3186.35,0.074,12,285.24,defaulted,not_applicable,low_burden
Ghana,2021,rural,male,21,18-24,middle,secondary,farmer,334.03,9,limited,1,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,34,25-34,second,none,employed_formal,168.37,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,38,35-44,fourth,primary,employed_informal,191.45,3,none,1,370,1,commercial_bank,14374.71,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2020,urban,male,22,18-24,lowest,none,self_employed,146.07,8,none,0,666,1,family_friends,1834.63,savings,agriculture,1,1758.32,0.043,24,76.44,current,not_applicable,low_burden
Uganda,2019,urban,male,61,55+,lowest,secondary,employed_formal,171.3,10,none,0,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,49,45-54,lowest,secondary,employed_informal,64.06,3,good,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,61,55+,second,none,farmer,94.91,5,none,0,1,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,urban,female,59,55+,lowest,primary,employed_formal,34.03,10,none,0,514,1,informal_lender,3734.32,none,agriculture,1,3302.42,0.811,48,124.59,paid_off,not_applicable,low_burden
Tanzania,2022,rural,female,19,18-24,fourth,tertiary,self_employed,93.22,3,none,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,male,62,55+,middle,secondary,employed_formal,251.82,7,none,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,female,21,18-24,lowest,secondary,employed_formal,104.87,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,63,55+,middle,primary,self_employed,133.89,7,none,0,251,1,microfinance,1251.33,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2023,urban,female,52,45-54,lowest,tertiary,unemployed,244.15,1,excellent,0,446,1,microfinance,4596.85,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2023,rural,female,60,55+,second,secondary,self_employed,105.08,3,limited,0,775,1,informal_lender,2969.81,none,consumption,1,2960.29,0.823,12,449.77,current,not_applicable,low_burden
Malawi,2023,rural,male,43,35-44,highest,tertiary,employed_informal,576.87,9,none,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,female,26,25-34,fourth,none,self_employed,269.33,3,none,1,99,1,family_friends,1686.25,vehicle,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2023,urban,male,25,18-24,middle,primary,self_employed,593.14,8,limited,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,24,18-24,second,none,self_employed,62.0,5,none,0,537,1,informal_lender,5041.09,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2025,urban,male,59,55+,lowest,tertiary,employed_informal,82.11,3,good,1,575,1,microfinance,3201.1,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2019,urban,male,45,35-44,fourth,secondary,employed_informal,335.34,4,limited,1,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,male,29,25-34,middle,none,self_employed,201.39,8,limited,0,610,1,family_friends,2397.85,none,business,1,2329.86,0.084,6,420.8,paid_off,not_applicable,low_burden
Nigeria,2024,rural,male,24,18-24,middle,tertiary,self_employed,204.98,9,limited,1,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,22,18-24,highest,tertiary,farmer,915.06,1,none,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,31,25-34,second,primary,self_employed,253.28,10,none,0,634,1,sacco,5581.03,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2018,urban,male,56,55+,fourth,secondary,farmer,488.22,3,limited,0,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,64,55+,middle,secondary,self_employed,294.95,7,none,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,female,49,45-54,lowest,none,self_employed,101.42,3,none,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,69,55+,lowest,secondary,self_employed,160.93,3,good,0,686,1,family_friends,6579.84,guarantor,consumption,1,6072.34,0.011,24,255.67,late_30_days,not_applicable,low_burden
Nigeria,2018,rural,female,38,35-44,middle,primary,employed_informal,161.85,9,good,1,105,1,commercial_bank,1326.72,equipment,housing,1,1131.92,0.185,12,111.76,current,not_applicable,low_burden
DRC,2023,urban,female,35,25-34,second,tertiary,unemployed,146.73,4,none,0,617,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,male,54,45-54,fourth,secondary,employed_informal,828.69,10,good,0,110,1,family_friends,1112.14,guarantor,emergency,1,1029.82,0.092,12,93.75,late_30_days,not_applicable,low_burden
Niger,2021,rural,female,25,18-24,fourth,tertiary,self_employed,264.31,1,none,0,489,1,family_friends,4544.95,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ethiopia,2018,rural,male,65,55+,second,secondary,self_employed,171.95,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,58,55+,middle,none,farmer,1027.47,1,none,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,19,18-24,middle,primary,employed_formal,150.36,8,limited,1,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,27,25-34,second,secondary,unemployed,354.42,1,limited,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,female,50,45-54,highest,primary,employed_informal,701.89,10,none,1,387,1,commercial_bank,4340.37,savings,business,1,4129.17,0.158,12,398.6,current,not_applicable,low_burden
Kenya,2019,urban,male,56,55+,lowest,secondary,employed_informal,229.22,3,good,0,850,1,microfinance,9831.22,guarantor,housing,1,8793.48,0.333,12,976.71,current,not_applicable,low_burden
Mali,2022,rural,male,29,25-34,highest,primary,farmer,1073.36,7,none,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,56,55+,lowest,none,employed_informal,91.7,10,excellent,1,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,42,35-44,lowest,secondary,self_employed,54.2,1,none,1,373,1,digital_lender,1991.67,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2025,rural,female,53,45-54,fourth,secondary,self_employed,276.71,5,none,0,216,1,family_friends,5715.29,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2024,urban,female,40,35-44,lowest,secondary,unemployed,54.21,1,none,0,505,1,informal_lender,2223.63,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2019,rural,female,41,35-44,second,secondary,farmer,121.84,1,none,1,154,1,microfinance,1354.77,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2020,urban,female,38,35-44,lowest,primary,employed_informal,79.01,5,limited,0,646,1,microfinance,2938.87,guarantor,agriculture,1,2699.34,0.298,6,584.06,current,not_applicable,low_burden
DRC,2025,urban,female,26,25-34,fourth,secondary,farmer,562.3,3,limited,1,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,27,25-34,middle,secondary,employed_informal,111.15,4,good,0,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,male,26,25-34,lowest,secondary,self_employed,61.2,3,limited,0,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,59,55+,second,primary,farmer,293.59,6,limited,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,male,40,35-44,lowest,secondary,farmer,174.02,4,none,1,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,37,35-44,highest,none,farmer,674.8,8,limited,0,565,1,family_friends,3057.19,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2024,rural,male,62,55+,lowest,secondary,farmer,362.13,4,good,0,361,1,microfinance,2315.64,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,rural,male,64,55+,middle,primary,self_employed,133.51,7,none,1,227,1,sacco,1838.52,savings,business,1,1793.03,0.35,18,134.52,current,not_applicable,low_burden
Mali,2019,rural,male,30,25-34,middle,tertiary,unemployed,188.23,2,none,0,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,urban,male,36,35-44,middle,secondary,employed_informal,108.09,4,none,1,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,39,35-44,highest,secondary,self_employed,500.58,9,none,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,61,55+,second,secondary,farmer,424.02,8,limited,0,520,1,digital_lender,2763.55,none,business,1,2286.67,0.474,36,93.65,current,not_applicable,low_burden
Tanzania,2024,rural,male,52,45-54,fourth,secondary,employed_informal,255.31,6,none,0,99,1,digital_lender,4051.68,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2018,rural,female,46,45-54,second,none,self_employed,41.63,6,good,1,841,1,informal_lender,1773.02,none,agriculture,1,1595.54,0.845,36,81.77,late_30_days,not_applicable,low_burden
Mozambique,2022,rural,female,30,25-34,middle,secondary,farmer,368.23,8,none,0,709,1,informal_lender,6308.57,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2024,urban,female,38,35-44,second,tertiary,self_employed,237.64,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,19,18-24,lowest,none,employed_informal,107.75,8,none,0,0,1,informal_lender,1268.64,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2022,urban,male,54,45-54,lowest,primary,employed_informal,72.99,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,male,65,55+,lowest,secondary,employed_informal,44.4,3,good,1,235,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,58,55+,highest,primary,employed_informal,583.93,5,good,1,849,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,34,25-34,fourth,secondary,employed_informal,486.24,6,none,0,110,1,family_friends,5110.73,vehicle,business,1,4973.61,0.07,24,221.72,paid_off,not_applicable,low_burden
Nigeria,2023,rural,female,43,35-44,lowest,secondary,farmer,57.26,4,none,0,396,1,informal_lender,1904.18,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2018,rural,male,67,55+,middle,secondary,employed_informal,262.4,9,limited,1,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,male,40,35-44,fourth,none,farmer,226.45,4,limited,0,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,female,61,55+,second,primary,unemployed,163.35,2,limited,1,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,rural,female,48,45-54,second,tertiary,employed_informal,121.05,7,none,1,702,1,informal_lender,3855.37,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2023,urban,male,43,35-44,fourth,primary,unemployed,300.13,1,limited,0,474,1,family_friends,5694.39,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2022,rural,male,48,45-54,lowest,secondary,employed_informal,66.44,6,none,1,453,1,digital_lender,2959.77,guarantor,business,1,2599.36,0.449,12,313.85,current,not_applicable,low_burden
Rwanda,2022,urban,female,29,25-34,middle,none,self_employed,227.61,8,none,1,60,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,male,40,35-44,lowest,primary,unemployed,138.43,1,good,0,493,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,33,25-34,lowest,primary,farmer,165.59,10,none,1,459,1,commercial_bank,2135.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2018,rural,female,57,55+,fourth,primary,employed_informal,468.43,6,none,1,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,male,49,45-54,fourth,secondary,employed_informal,104.99,8,none,0,458,1,microfinance,3277.2,guarantor,agriculture,1,3201.23,0.324,36,117.74,late_60_days,not_applicable,low_burden
Malawi,2024,rural,female,38,35-44,highest,secondary,employed_informal,337.98,8,none,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,male,60,55+,lowest,tertiary,unemployed,38.58,5,good,1,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,rural,male,41,35-44,fourth,tertiary,employed_informal,188.84,7,none,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,male,67,55+,highest,primary,self_employed,677.44,6,limited,0,694,1,informal_lender,4987.08,vehicle,asset_purchase,1,4546.43,0.828,18,461.7,current,not_applicable,low_burden
Senegal,2025,rural,female,49,45-54,middle,none,employed_informal,382.22,8,good,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,male,64,55+,highest,tertiary,self_employed,1082.88,5,none,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,male,69,55+,highest,primary,self_employed,493.55,9,none,0,385,1,microfinance,13155.39,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2021,urban,female,35,25-34,fourth,primary,employed_informal,744.4,6,none,0,391,1,digital_lender,7527.85,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2023,urban,male,31,25-34,highest,none,self_employed,1247.01,8,none,1,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,61,55+,middle,secondary,self_employed,195.45,3,none,1,383,1,commercial_bank,4334.68,guarantor,business,1,3815.69,0.204,18,255.18,current,not_applicable,low_burden
Ethiopia,2020,urban,female,30,25-34,middle,primary,self_employed,666.52,2,limited,0,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,female,57,55+,highest,none,self_employed,623.54,6,none,1,239,1,commercial_bank,3043.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2023,rural,female,27,25-34,fourth,secondary,self_employed,342.15,9,limited,0,402,1,digital_lender,3625.09,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,urban,female,63,55+,lowest,secondary,farmer,43.07,8,good,1,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,male,53,45-54,second,primary,self_employed,89.68,4,none,1,0,1,commercial_bank,3543.35,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2019,rural,female,45,35-44,second,secondary,self_employed,46.8,9,none,0,625,1,microfinance,2239.8,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2018,rural,female,41,35-44,highest,primary,employed_informal,333.02,7,none,0,582,1,family_friends,4843.45,none,business,1,4835.27,0.012,12,407.69,current,not_applicable,low_burden
Senegal,2022,rural,female,51,45-54,lowest,primary,employed_formal,63.85,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,38,35-44,second,primary,farmer,146.43,10,none,0,0,1,family_friends,1286.58,equipment,debt_consolidation,1,1070.91,0.03,24,45.96,paid_off,not_applicable,low_burden
South Africa,2021,urban,female,38,35-44,middle,none,farmer,247.0,8,limited,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,28,25-34,lowest,primary,employed_informal,48.86,3,none,1,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,26,25-34,highest,tertiary,self_employed,2296.72,1,none,0,620,1,informal_lender,6782.03,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2021,urban,female,64,55+,middle,none,self_employed,134.6,3,none,0,502,1,family_friends,3021.57,none,education,1,2627.13,0.068,24,116.93,current,not_applicable,low_burden
Mali,2020,rural,female,56,55+,lowest,tertiary,farmer,25.22,2,limited,1,715,1,commercial_bank,3797.72,none,emergency,1,3205.12,0.14,18,203.01,current,not_applicable,low_burden
Mali,2023,rural,female,41,35-44,second,none,employed_informal,67.12,2,none,0,408,1,family_friends,869.99,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2022,rural,male,61,55+,fourth,primary,unemployed,313.56,2,limited,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,male,49,45-54,middle,secondary,employed_formal,427.8,10,limited,0,386,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,49,45-54,second,secondary,unemployed,279.03,3,none,1,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,23,18-24,second,none,employed_formal,350.57,8,limited,0,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,45,35-44,highest,none,employed_informal,918.32,3,none,0,731,1,informal_lender,4095.37,property,consumption,1,4081.49,0.816,12,617.66,late_60_days,not_applicable,low_burden
Rwanda,2020,rural,female,23,18-24,fourth,secondary,employed_informal,249.86,8,limited,1,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,male,53,45-54,fourth,primary,employed_informal,1034.57,6,none,0,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,rural,male,21,18-24,second,secondary,unemployed,17.28,1,limited,0,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,44,35-44,highest,secondary,self_employed,693.85,5,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,male,37,35-44,fourth,none,employed_formal,664.69,5,limited,1,514,1,microfinance,2156.0,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2024,urban,female,24,18-24,second,secondary,unemployed,671.76,1,limited,0,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,male,42,35-44,highest,none,employed_informal,309.8,1,none,0,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,28,25-34,highest,tertiary,employed_formal,738.2,6,limited,1,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,rural,male,30,25-34,fourth,tertiary,employed_formal,127.48,10,none,1,407,1,digital_lender,4239.39,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2023,rural,female,64,55+,fourth,secondary,self_employed,93.65,2,none,1,497,1,digital_lender,6287.76,equipment,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Malawi,2021,rural,female,36,35-44,second,tertiary,unemployed,105.12,1,none,0,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,39,35-44,middle,secondary,employed_formal,358.34,6,limited,1,541,1,commercial_bank,6533.04,none,asset_purchase,1,5422.74,0.216,12,549.66,current,not_applicable,low_burden
Senegal,2024,urban,female,18,18-24,lowest,none,farmer,209.03,10,limited,0,80,1,digital_lender,6001.99,savings,emergency,1,4944.86,0.437,18,394.7,current,not_applicable,low_burden
Nigeria,2021,urban,female,33,25-34,middle,none,employed_informal,205.62,10,good,1,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,36,35-44,second,none,employed_informal,288.56,7,limited,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,urban,female,55,45-54,second,primary,farmer,157.58,8,limited,0,101,1,family_friends,2042.4,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2020,rural,female,24,18-24,highest,secondary,farmer,980.36,10,good,0,784,1,informal_lender,9816.72,guarantor,housing,1,8371.53,0.772,12,1236.06,current,not_applicable,low_burden
Niger,2021,rural,male,66,55+,lowest,primary,self_employed,135.16,3,none,1,310,1,commercial_bank,2245.44,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2019,urban,female,24,18-24,fourth,secondary,employed_informal,429.39,5,limited,0,202,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,male,51,45-54,second,primary,employed_formal,384.6,4,none,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,male,18,18-24,lowest,none,farmer,38.44,6,none,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,female,60,55+,lowest,primary,self_employed,95.38,10,excellent,0,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,female,54,45-54,second,tertiary,self_employed,373.12,1,none,0,579,1,commercial_bank,5542.95,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2023,urban,male,61,55+,second,primary,employed_informal,347.05,8,good,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,female,66,55+,second,primary,farmer,78.95,5,good,1,547,1,commercial_bank,3899.55,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2025,rural,male,61,55+,middle,none,employed_formal,173.17,10,good,0,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,50,45-54,middle,tertiary,self_employed,247.11,6,limited,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,61,55+,lowest,primary,farmer,82.14,5,limited,0,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,23,18-24,second,secondary,employed_informal,196.26,2,none,1,87,1,microfinance,3474.68,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2022,urban,female,51,45-54,lowest,none,self_employed,244.39,6,none,0,347,1,informal_lender,7389.68,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2023,rural,female,69,55+,lowest,none,self_employed,24.32,10,good,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,female,37,35-44,lowest,secondary,self_employed,75.96,1,none,1,105,1,commercial_bank,2575.35,none,housing,1,2373.75,0.215,12,240.42,current,not_applicable,low_burden
Uganda,2021,urban,male,68,55+,fourth,secondary,unemployed,150.94,1,limited,0,126,1,family_friends,4394.79,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2019,rural,male,44,35-44,fourth,secondary,self_employed,509.38,9,excellent,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,female,42,35-44,highest,primary,employed_formal,1460.52,6,none,0,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,urban,female,33,25-34,fourth,tertiary,employed_informal,5127.33,7,good,0,824,1,family_friends,47391.83,savings,education,1,40423.15,0.048,6,7061.61,current,not_applicable,low_burden
Rwanda,2024,rural,female,23,18-24,middle,secondary,self_employed,410.25,7,none,1,0,1,commercial_bank,7485.95,none,consumption,1,6478.5,0.213,24,327.49,current,not_applicable,low_burden
Niger,2021,rural,female,63,55+,second,tertiary,employed_informal,152.97,5,none,1,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,urban,female,55,45-54,lowest,none,farmer,107.42,5,limited,1,128,1,commercial_bank,2078.46,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2021,urban,male,38,35-44,middle,primary,employed_informal,239.05,7,limited,0,774,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,67,55+,second,primary,employed_informal,132.91,3,good,1,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,27,25-34,second,secondary,employed_informal,219.57,2,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,male,58,55+,highest,secondary,unemployed,250.38,6,none,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,41,35-44,lowest,primary,farmer,69.14,1,good,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,female,50,45-54,lowest,none,self_employed,64.65,2,limited,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,19,18-24,highest,none,employed_informal,2266.81,8,limited,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,female,49,45-54,second,none,unemployed,165.03,2,none,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,urban,male,53,45-54,second,secondary,unemployed,105.89,1,good,0,805,1,family_friends,2428.57,none,education,1,2202.27,0.008,12,184.96,paid_off,not_applicable,low_burden
DRC,2025,rural,female,68,55+,lowest,primary,self_employed,72.7,2,good,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,35,25-34,second,none,farmer,127.79,4,limited,1,667,1,family_friends,5894.24,none,agriculture,1,5465.25,0.021,12,465.08,defaulted,not_applicable,low_burden
Ghana,2019,urban,male,21,18-24,highest,primary,unemployed,904.06,1,none,0,676,1,employer,14234.63,savings,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2019,rural,female,21,18-24,fourth,none,employed_informal,134.7,6,excellent,1,824,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,female,25,18-24,middle,tertiary,employed_informal,267.5,5,good,1,842,1,digital_lender,4581.9,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2021,rural,female,33,25-34,second,primary,self_employed,80.87,10,limited,1,711,1,family_friends,1164.94,none,business,1,1067.04,0.0,36,29.64,current,not_applicable,low_burden
Uganda,2018,rural,female,61,55+,second,tertiary,self_employed,104.25,9,limited,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,28,25-34,middle,secondary,farmer,333.89,5,none,0,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,male,25,18-24,second,secondary,self_employed,75.65,6,none,1,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,male,19,18-24,lowest,primary,employed_informal,51.6,7,limited,1,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,37,35-44,fourth,secondary,self_employed,718.5,3,limited,0,793,1,microfinance,3927.96,property,consumption,1,3625.49,0.315,12,397.24,current,not_applicable,low_burden
Tanzania,2022,urban,female,49,45-54,highest,secondary,farmer,820.35,7,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,male,32,25-34,highest,none,employed_formal,4124.7,4,good,1,193,1,commercial_bank,15569.22,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2024,urban,male,43,35-44,fourth,tertiary,employed_informal,585.53,10,limited,1,119,1,commercial_bank,9068.18,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2021,urban,male,30,25-34,middle,primary,employed_formal,125.08,10,good,0,560,1,informal_lender,6324.91,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2021,urban,male,59,55+,fourth,primary,farmer,273.36,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,19,18-24,highest,primary,employed_formal,343.9,6,excellent,0,809,1,sacco,1529.35,vehicle,debt_consolidation,1,1428.69,0.358,12,161.71,paid_off,not_applicable,low_burden
Mali,2019,urban,male,28,25-34,lowest,secondary,employed_formal,50.44,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,male,47,45-54,second,primary,farmer,176.66,6,none,0,617,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,female,61,55+,lowest,primary,employed_formal,41.42,10,limited,0,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,38,35-44,highest,none,farmer,785.62,1,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,male,21,18-24,highest,primary,self_employed,1477.7,4,none,0,395,1,informal_lender,15631.71,property,consumption,1,15247.99,0.815,12,2305.66,late_30_days,not_applicable,low_burden
Niger,2020,urban,male,46,45-54,fourth,none,farmer,341.89,1,limited,0,585,1,commercial_bank,12158.35,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2019,urban,male,32,25-34,second,tertiary,employed_informal,289.56,10,none,1,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,male,33,25-34,highest,primary,employed_formal,304.98,5,good,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,65,55+,lowest,tertiary,employed_informal,46.47,1,none,0,580,1,informal_lender,556.99,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2021,urban,male,66,55+,lowest,secondary,unemployed,48.33,1,none,1,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,31,25-34,middle,secondary,farmer,368.03,10,none,1,173,1,family_friends,5301.63,none,business,1,4957.11,0.002,24,206.91,late_30_days,not_applicable,low_burden
Ghana,2019,urban,male,48,45-54,fourth,tertiary,employed_informal,238.41,6,limited,1,53,1,digital_lender,7048.27,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2019,urban,male,46,45-54,highest,primary,employed_informal,4217.83,2,none,1,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,female,67,55+,second,secondary,employed_informal,57.44,4,none,0,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,67,55+,second,none,employed_informal,268.64,5,none,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,36,35-44,second,none,employed_informal,334.66,9,none,0,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,female,19,18-24,lowest,primary,unemployed,111.63,1,limited,1,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,18,18-24,highest,secondary,employed_formal,689.81,5,limited,0,751,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,18,18-24,second,secondary,unemployed,444.43,4,none,1,347,1,microfinance,2458.65,guarantor,business,1,2321.43,0.272,12,246.16,late_30_days,not_applicable,low_burden
Ethiopia,2021,urban,female,58,55+,lowest,primary,employed_formal,506.74,8,none,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,56,55+,second,secondary,farmer,156.53,2,good,0,653,1,microfinance,2804.0,guarantor,education,1,2465.57,0.342,12,275.74,current,not_applicable,low_burden
Niger,2019,urban,male,61,55+,fourth,primary,self_employed,549.36,5,none,1,48,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,25,18-24,highest,none,employed_formal,451.08,8,good,1,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,female,21,18-24,lowest,none,farmer,39.64,3,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,26,25-34,lowest,secondary,employed_informal,124.27,3,excellent,0,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,50,45-54,highest,primary,unemployed,790.81,1,none,0,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,male,18,18-24,middle,primary,farmer,96.66,9,limited,0,250,1,sacco,4373.48,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2018,urban,female,52,45-54,second,none,unemployed,249.02,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,male,64,55+,lowest,secondary,farmer,109.56,6,excellent,0,352,1,informal_lender,2399.97,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2025,rural,male,25,18-24,highest,secondary,employed_informal,435.91,1,none,0,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,56,55+,fourth,none,self_employed,206.8,9,limited,0,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,female,46,45-54,lowest,secondary,farmer,81.04,4,none,0,63,1,sacco,2343.31,none,business,1,2317.37,0.279,12,247.05,current,not_applicable,low_burden
Nigeria,2022,rural,male,67,55+,lowest,secondary,employed_informal,185.77,10,limited,0,123,1,family_friends,4624.18,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2023,urban,male,30,25-34,lowest,primary,self_employed,118.77,1,limited,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,29,25-34,lowest,none,employed_informal,104.03,4,limited,1,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,18,18-24,lowest,tertiary,farmer,33.64,4,limited,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,54,45-54,lowest,primary,employed_informal,45.07,1,good,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,female,63,55+,lowest,primary,employed_formal,92.2,8,limited,0,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,male,18,18-24,second,tertiary,unemployed,69.93,1,none,1,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,urban,male,43,35-44,middle,secondary,farmer,344.94,5,none,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,55,45-54,second,secondary,employed_informal,171.35,6,limited,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,58,55+,fourth,secondary,employed_informal,478.83,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,66,55+,second,none,farmer,151.7,3,limited,0,253,1,family_friends,1852.16,savings,education,1,1781.13,0.022,18,101.13,current,not_applicable,low_burden
Rwanda,2022,urban,female,55,45-54,highest,secondary,employed_informal,1031.52,5,none,1,67,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,urban,male,65,55+,highest,primary,self_employed,640.86,7,excellent,0,373,1,microfinance,3498.95,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2020,rural,female,69,55+,highest,tertiary,farmer,291.09,4,limited,1,619,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,66,55+,lowest,primary,employed_informal,56.55,5,limited,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,40,35-44,lowest,none,employed_informal,150.13,10,good,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,39,35-44,middle,primary,employed_formal,611.18,10,good,1,414,1,commercial_bank,8625.29,none,business,1,7905.54,0.2,18,526.97,current,not_applicable,low_burden
Mozambique,2018,rural,female,40,35-44,lowest,secondary,employed_informal,47.3,1,none,1,648,1,commercial_bank,4167.1,none,debt_consolidation,1,3707.4,0.155,12,356.8,paid_off,not_applicable,low_burden
South Africa,2019,rural,male,67,55+,lowest,secondary,self_employed,46.62,4,none,1,30,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,rural,female,32,25-34,lowest,secondary,employed_informal,44.28,1,limited,0,69,1,family_friends,2918.6,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2020,rural,female,57,55+,middle,none,unemployed,147.03,5,none,1,355,1,commercial_bank,8352.4,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2024,rural,female,50,45-54,fourth,none,farmer,403.32,9,none,1,430,1,digital_lender,7096.11,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2024,urban,female,21,18-24,second,secondary,employed_informal,379.39,5,none,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,male,43,35-44,highest,primary,self_employed,3236.62,3,none,1,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,female,28,25-34,fourth,secondary,self_employed,184.46,8,none,0,635,1,informal_lender,12233.82,savings,business,1,9833.34,0.799,18,982.8,current,not_applicable,low_burden
Mali,2020,rural,male,55,45-54,lowest,tertiary,self_employed,95.03,2,none,1,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,41,35-44,second,secondary,self_employed,264.53,8,none,0,357,1,informal_lender,4850.18,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2019,rural,male,36,35-44,lowest,primary,employed_formal,47.82,10,limited,0,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,male,21,18-24,highest,secondary,employed_informal,323.8,2,none,1,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,24,18-24,fourth,tertiary,employed_informal,399.85,6,none,0,112,1,family_friends,6397.45,guarantor,education,1,6380.18,0.04,18,368.47,current,not_applicable,low_burden
Uganda,2023,rural,male,57,55+,fourth,secondary,employed_informal,1454.23,2,good,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,female,62,55+,fourth,secondary,farmer,593.86,7,limited,1,652,1,commercial_bank,8199.78,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2024,urban,male,33,25-34,second,primary,unemployed,104.3,3,good,1,805,1,informal_lender,2209.47,guarantor,consumption,1,1830.1,0.784,24,136.07,paid_off,not_applicable,low_burden
Malawi,2025,rural,female,61,55+,highest,secondary,farmer,594.8,1,excellent,0,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,46,45-54,highest,none,unemployed,445.94,6,limited,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,female,36,35-44,fourth,secondary,self_employed,334.04,3,good,1,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,male,41,35-44,second,tertiary,employed_informal,195.72,5,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,male,53,45-54,lowest,tertiary,unemployed,37.1,1,limited,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,male,65,55+,lowest,none,employed_formal,9.2,10,limited,0,635,1,microfinance,794.72,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2024,rural,male,43,35-44,lowest,secondary,employed_formal,73.12,10,limited,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,female,36,35-44,middle,none,unemployed,140.78,6,none,1,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,urban,male,57,55+,fourth,primary,farmer,290.86,4,excellent,0,486,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,45,35-44,highest,secondary,unemployed,390.26,2,none,0,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,38,35-44,lowest,primary,employed_informal,79.72,6,good,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,female,41,35-44,second,primary,farmer,91.18,3,excellent,0,251,1,family_friends,1779.4,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2018,urban,male,45,35-44,lowest,secondary,employed_informal,172.37,10,good,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,25,18-24,highest,secondary,employed_informal,1929.53,9,none,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,21,18-24,fourth,secondary,unemployed,272.84,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,male,52,45-54,middle,secondary,self_employed,207.21,5,limited,1,279,1,family_friends,3030.79,savings,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2021,urban,female,27,25-34,middle,secondary,farmer,326.27,2,limited,1,68,1,commercial_bank,17559.84,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2022,rural,male,45,35-44,middle,primary,unemployed,180.65,1,none,0,619,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,58,55+,second,none,unemployed,53.07,2,limited,1,44,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,29,25-34,lowest,secondary,employed_formal,230.03,10,good,0,248,1,informal_lender,13154.34,none,agriculture,1,11862.8,0.775,12,1754.96,paid_off,not_applicable,low_burden
Nigeria,2019,rural,female,37,35-44,second,secondary,employed_informal,200.01,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,female,68,55+,lowest,primary,unemployed,43.55,4,none,0,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,female,19,18-24,middle,none,self_employed,52.29,8,limited,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,male,57,55+,second,tertiary,self_employed,106.91,9,limited,0,491,1,informal_lender,2671.46,savings,housing,1,2319.79,0.791,48,86.55,current,not_applicable,low_burden
Ethiopia,2019,urban,female,26,25-34,fourth,tertiary,employed_formal,325.95,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,65,55+,middle,secondary,employed_formal,285.98,7,limited,1,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,39,35-44,middle,secondary,unemployed,43.97,4,none,0,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,urban,female,18,18-24,highest,tertiary,self_employed,711.76,3,limited,0,850,1,microfinance,5377.33,savings,asset_purchase,1,4652.53,0.288,18,332.99,current,not_applicable,low_burden
DRC,2024,urban,male,55,45-54,second,secondary,farmer,135.69,7,good,0,238,1,informal_lender,985.93,guarantor,asset_purchase,1,871.46,0.845,24,67.01,late_30_days,not_applicable,low_burden
Ghana,2020,urban,male,25,18-24,middle,primary,employed_informal,260.79,1,none,0,0,1,sacco,2553.12,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2023,rural,male,36,35-44,lowest,secondary,employed_informal,51.06,1,none,0,179,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,44,35-44,fourth,tertiary,self_employed,510.25,2,limited,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,56,55+,middle,secondary,unemployed,580.07,2,none,0,596,1,family_friends,3924.33,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2022,urban,male,39,35-44,lowest,none,employed_informal,62.67,10,excellent,1,606,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,62,55+,lowest,tertiary,employed_informal,31.83,6,none,0,690,1,informal_lender,1552.11,guarantor,agriculture,1,1419.39,0.782,12,210.74,current,not_applicable,low_burden
Uganda,2023,urban,female,43,35-44,fourth,secondary,self_employed,146.82,6,none,0,450,1,informal_lender,2620.68,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2023,urban,female,35,25-34,middle,primary,employed_formal,208.63,10,excellent,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,35,25-34,middle,tertiary,self_employed,75.0,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,59,55+,second,secondary,self_employed,237.55,6,none,1,0,1,digital_lender,5081.17,savings,agriculture,1,4075.11,0.473,12,500.18,paid_off,not_applicable,low_burden
Tanzania,2018,urban,male,52,45-54,middle,secondary,employed_formal,278.95,10,none,1,622,1,digital_lender,7581.19,guarantor,housing,1,6298.59,0.429,18,500.13,current,not_applicable,low_burden
Nigeria,2025,rural,female,24,18-24,middle,tertiary,self_employed,386.04,5,excellent,1,412,1,commercial_bank,3502.89,guarantor,consumption,1,3231.89,0.156,18,207.6,current,not_applicable,low_burden
South Africa,2020,rural,female,57,55+,lowest,none,employed_formal,168.06,10,excellent,1,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,39,35-44,middle,secondary,farmer,162.84,5,none,1,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,36,35-44,middle,primary,farmer,156.83,9,limited,0,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,23,18-24,fourth,tertiary,farmer,1249.5,10,limited,0,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,69,55+,second,tertiary,farmer,138.49,9,none,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,female,20,18-24,second,secondary,self_employed,260.7,4,none,0,479,1,commercial_bank,10977.96,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2022,rural,female,69,55+,highest,secondary,employed_informal,1368.41,4,good,1,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2023,urban,male,21,18-24,highest,secondary,self_employed,1855.44,8,none,1,105,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,44,35-44,lowest,primary,employed_formal,80.28,10,limited,1,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,23,18-24,highest,primary,farmer,1764.76,7,none,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,43,35-44,lowest,none,employed_formal,57.43,10,limited,0,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,61,55+,highest,secondary,self_employed,955.19,5,none,1,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,48,45-54,lowest,secondary,self_employed,53.23,9,none,0,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,male,46,45-54,second,secondary,farmer,369.7,5,none,0,555,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,24,18-24,highest,primary,employed_informal,606.55,7,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,male,67,55+,lowest,secondary,self_employed,27.67,6,none,1,56,1,commercial_bank,2355.1,guarantor,education,1,2232.32,0.178,12,219.19,current,not_applicable,low_burden
Ghana,2024,rural,female,37,35-44,fourth,primary,self_employed,521.53,9,none,1,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,male,45,35-44,middle,tertiary,unemployed,97.93,4,none,0,553,1,family_friends,5352.55,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2025,rural,male,64,55+,lowest,tertiary,farmer,27.52,9,none,0,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,male,50,45-54,highest,secondary,employed_informal,1609.64,2,good,0,433,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,56,55+,middle,secondary,farmer,393.36,3,none,1,736,1,microfinance,4195.55,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2019,urban,male,27,25-34,highest,none,employed_formal,779.43,10,limited,1,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,male,41,35-44,highest,none,employed_informal,117.51,2,limited,1,310,1,commercial_bank,4686.64,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2020,rural,male,46,45-54,lowest,secondary,employed_formal,87.5,10,good,1,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,male,27,25-34,second,secondary,self_employed,287.74,7,good,0,850,1,digital_lender,6329.21,none,housing,1,5917.92,0.473,24,363.27,late_60_days,not_applicable,low_burden
DRC,2020,urban,female,38,35-44,second,none,self_employed,259.85,4,none,1,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,61,55+,middle,primary,self_employed,278.08,1,good,1,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,male,66,55+,lowest,secondary,farmer,53.06,1,good,0,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,male,60,55+,second,none,self_employed,91.01,9,good,1,327,1,microfinance,7360.81,savings,housing,1,7347.55,0.27,12,777.86,paid_off,not_applicable,low_burden
Malawi,2019,urban,female,66,55+,fourth,primary,employed_informal,226.79,2,excellent,0,721,1,informal_lender,6487.19,none,business,1,5251.68,0.767,18,515.57,late_30_days,not_applicable,low_burden
Zambia,2023,rural,female,69,55+,lowest,primary,self_employed,36.97,8,limited,0,581,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,28,25-34,fourth,tertiary,farmer,616.07,2,none,0,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,female,62,55+,second,primary,self_employed,153.68,4,none,0,468,1,informal_lender,6269.01,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2022,urban,male,50,45-54,lowest,none,self_employed,156.21,2,good,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,62,55+,lowest,none,self_employed,22.51,7,good,0,797,1,sacco,1287.06,guarantor,business,1,1162.27,0.347,12,130.51,current,not_applicable,low_burden
Niger,2019,rural,male,51,45-54,lowest,none,self_employed,18.86,2,none,0,117,1,sacco,3386.58,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2022,rural,female,24,18-24,middle,secondary,employed_informal,153.32,7,limited,0,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,47,45-54,lowest,primary,farmer,44.01,10,none,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,57,55+,fourth,primary,employed_informal,375.59,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,24,18-24,fourth,tertiary,employed_formal,196.65,10,none,1,234,1,digital_lender,1926.59,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2018,rural,female,44,35-44,lowest,secondary,farmer,137.62,10,none,0,283,1,family_friends,2549.04,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2021,urban,female,52,45-54,highest,none,farmer,557.17,9,limited,1,801,1,digital_lender,7429.81,guarantor,consumption,1,6565.71,0.435,12,785.31,late_30_days,not_applicable,low_burden
Kenya,2019,urban,male,42,35-44,highest,primary,self_employed,3020.54,8,none,0,469,1,microfinance,6175.79,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2025,rural,male,59,55+,lowest,secondary,self_employed,86.95,6,limited,0,36,1,employer,1722.28,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2022,rural,male,24,18-24,highest,secondary,unemployed,317.24,1,limited,1,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,35,25-34,second,tertiary,self_employed,525.65,7,good,0,602,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,male,67,55+,middle,none,self_employed,359.29,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,44,35-44,lowest,secondary,self_employed,67.67,9,none,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,27,25-34,fourth,none,self_employed,469.97,9,limited,0,763,1,microfinance,3370.84,guarantor,agriculture,1,2830.78,0.356,12,319.77,current,not_applicable,low_burden
South Africa,2023,urban,male,24,18-24,fourth,primary,self_employed,681.91,3,limited,1,713,1,digital_lender,8538.62,savings,business,1,8351.6,0.413,12,983.63,current,not_applicable,low_burden
Tanzania,2022,rural,female,48,45-54,highest,secondary,unemployed,959.21,4,none,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,female,66,55+,highest,secondary,employed_informal,540.68,7,limited,0,360,1,family_friends,5637.01,none,business,1,4671.42,0.081,18,280.62,current,not_applicable,low_burden
Tanzania,2022,rural,female,20,18-24,lowest,none,employed_informal,51.87,9,excellent,0,588,1,sacco,4359.08,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2024,urban,male,23,18-24,middle,primary,self_employed,323.54,9,none,0,0,1,microfinance,15613.95,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2022,urban,male,37,35-44,second,secondary,self_employed,272.12,8,none,1,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,28,25-34,lowest,none,farmer,91.66,10,excellent,0,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,urban,female,24,18-24,lowest,primary,unemployed,100.84,1,good,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,male,33,25-34,highest,primary,farmer,451.73,5,none,1,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,51,45-54,fourth,none,unemployed,216.42,1,good,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,60,55+,lowest,secondary,employed_informal,39.03,9,none,0,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,33,25-34,highest,none,employed_informal,1005.4,3,good,0,584,1,family_friends,9344.31,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2020,urban,female,54,45-54,fourth,secondary,employed_informal,319.62,6,limited,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,male,60,55+,second,secondary,farmer,158.24,2,limited,1,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,female,18,18-24,middle,none,employed_informal,352.39,3,good,0,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,62,55+,fourth,secondary,employed_informal,330.65,7,good,0,564,1,informal_lender,3749.42,property,asset_purchase,1,3377.93,0.812,12,510.13,current,not_applicable,low_burden
DRC,2025,rural,male,27,25-34,fourth,primary,self_employed,328.45,3,none,0,0,1,employer,6339.66,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2018,rural,female,53,45-54,second,secondary,employed_informal,64.38,6,limited,1,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,57,55+,middle,secondary,self_employed,241.42,5,good,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,female,61,55+,lowest,secondary,unemployed,72.19,3,limited,1,599,1,digital_lender,1626.89,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Malawi,2024,rural,male,38,35-44,middle,primary,employed_informal,188.26,3,none,0,0,1,family_friends,3919.28,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2021,rural,male,52,45-54,second,secondary,self_employed,272.84,5,none,0,220,1,informal_lender,20681.21,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2023,rural,female,19,18-24,second,secondary,employed_formal,172.78,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,female,41,35-44,second,primary,employed_informal,81.35,6,none,1,564,1,microfinance,2584.12,property,housing,1,2166.59,0.287,12,232.34,current,not_applicable,low_burden
Mali,2023,rural,male,68,55+,middle,none,employed_informal,180.2,2,limited,0,683,1,family_friends,4798.43,guarantor,education,1,4257.62,0.001,12,355.24,late_60_days,not_applicable,low_burden
Niger,2018,urban,male,26,25-34,second,none,self_employed,554.42,8,limited,0,558,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,female,25,18-24,second,primary,self_employed,97.82,9,none,0,53,1,family_friends,2849.85,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2019,rural,female,54,45-54,lowest,primary,self_employed,61.94,5,none,1,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,male,44,35-44,highest,tertiary,farmer,1057.03,9,none,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,female,41,35-44,lowest,tertiary,employed_informal,104.48,4,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,30,25-34,second,none,farmer,93.44,9,good,0,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,26,25-34,lowest,tertiary,farmer,53.41,6,none,0,726,1,commercial_bank,1934.2,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2018,rural,female,56,55+,fourth,secondary,employed_formal,327.42,9,none,1,696,1,sacco,6774.14,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2019,rural,female,36,35-44,second,primary,employed_informal,192.28,5,limited,1,31,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,female,58,55+,second,tertiary,employed_formal,456.21,10,good,1,581,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,female,41,35-44,highest,secondary,employed_formal,238.07,10,none,1,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,38,35-44,fourth,secondary,employed_informal,1689.63,5,none,1,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,female,29,25-34,middle,primary,employed_informal,163.44,8,limited,0,754,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,male,52,45-54,second,primary,unemployed,231.76,1,limited,1,579,1,commercial_bank,2063.3,savings,agriculture,1,1976.86,0.218,12,200.67,current,not_applicable,low_burden
Tanzania,2021,urban,female,32,25-34,highest,tertiary,unemployed,591.13,5,limited,0,399,1,family_friends,5816.12,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2019,rural,male,65,55+,highest,primary,self_employed,215.02,5,none,1,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,male,39,35-44,fourth,none,farmer,196.22,9,good,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,60,55+,fourth,primary,unemployed,261.56,1,limited,1,244,1,digital_lender,2055.6,property,business,1,1932.51,0.429,12,230.11,current,not_applicable,low_burden
Zambia,2018,rural,female,42,35-44,highest,primary,self_employed,958.32,6,good,1,695,1,microfinance,19688.36,guarantor,emergency,1,18508.68,0.294,24,998.03,current,not_applicable,low_burden
Kenya,2018,urban,female,39,35-44,highest,primary,self_employed,1012.47,7,excellent,0,449,1,employer,14405.83,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2024,rural,female,41,35-44,lowest,tertiary,farmer,50.56,6,limited,0,672,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,40,35-44,highest,primary,unemployed,1452.34,1,none,0,294,1,digital_lender,5804.3,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2024,rural,male,42,35-44,fourth,tertiary,farmer,330.2,1,limited,0,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,64,55+,middle,secondary,employed_formal,243.27,10,limited,1,72,1,microfinance,1480.92,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2021,rural,female,54,45-54,second,secondary,farmer,1070.67,3,none,0,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,19,18-24,second,none,employed_informal,120.63,2,none,1,723,1,microfinance,4578.87,savings,emergency,1,3860.05,0.288,12,414.44,late_30_days,not_applicable,low_burden
Uganda,2024,urban,female,21,18-24,fourth,primary,employed_informal,302.24,9,none,1,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,urban,female,19,18-24,middle,tertiary,self_employed,417.79,1,good,1,478,1,commercial_bank,5449.78,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2018,rural,male,53,45-54,lowest,secondary,farmer,100.7,8,good,0,664,1,microfinance,12206.14,property,consumption,1,9820.71,0.306,18,712.27,current,not_applicable,low_burden
Rwanda,2025,urban,female,28,25-34,middle,primary,employed_informal,368.34,4,limited,0,728,1,informal_lender,12336.72,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2025,rural,male,38,35-44,lowest,tertiary,employed_informal,67.23,8,good,1,770,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,male,61,55+,middle,secondary,farmer,842.08,3,limited,1,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,24,18-24,middle,none,employed_informal,517.18,8,good,0,331,1,microfinance,8917.99,none,housing,1,8418.71,0.322,12,927.73,current,not_applicable,low_burden
Nigeria,2023,rural,male,25,18-24,middle,secondary,farmer,184.26,10,none,0,618,1,family_friends,2940.6,vehicle,emergency,1,2414.88,0.048,12,210.85,paid_off,not_applicable,low_burden
Kenya,2018,urban,male,22,18-24,lowest,secondary,self_employed,57.28,6,none,0,729,1,digital_lender,2172.69,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2022,urban,female,32,25-34,lowest,secondary,self_employed,121.36,6,limited,1,555,1,commercial_bank,4099.66,equipment,business,1,3599.66,0.215,12,364.5,current,not_applicable,low_burden
Kenya,2018,rural,male,22,18-24,second,none,employed_formal,77.0,10,good,1,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,female,50,45-54,middle,primary,unemployed,371.64,1,good,0,657,1,microfinance,6606.93,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2019,rural,female,56,55+,highest,primary,unemployed,893.51,2,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,27,25-34,fourth,primary,employed_informal,2137.39,7,good,0,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,male,45,35-44,fourth,none,farmer,924.84,1,none,1,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,33,25-34,second,secondary,farmer,85.05,5,none,0,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,22,18-24,lowest,secondary,employed_informal,41.89,6,none,0,667,1,digital_lender,1470.72,equipment,consumption,1,1424.81,0.42,6,337.14,paid_off,not_applicable,low_burden
DRC,2018,urban,female,42,35-44,highest,none,self_employed,259.45,3,limited,1,639,1,digital_lender,2040.87,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2024,urban,male,54,45-54,middle,secondary,farmer,66.81,5,limited,1,435,1,family_friends,8589.06,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2022,rural,female,29,25-34,lowest,none,self_employed,65.24,4,none,1,665,1,commercial_bank,2730.41,none,business,1,2407.94,0.205,6,483.45,paid_off,not_applicable,low_burden
Malawi,2020,rural,female,58,55+,middle,primary,unemployed,86.8,2,limited,0,2,1,microfinance,3862.86,property,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2025,rural,female,69,55+,fourth,secondary,employed_formal,1040.18,6,good,0,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,20,18-24,second,tertiary,unemployed,272.83,5,none,1,616,1,commercial_bank,2821.87,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2023,rural,female,26,25-34,lowest,primary,unemployed,49.81,3,limited,1,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,male,33,25-34,middle,tertiary,employed_informal,237.1,7,none,0,664,1,informal_lender,10131.55,none,business,1,9048.34,0.841,12,1388.11,current,not_applicable,low_burden
Ghana,2023,rural,female,62,55+,lowest,tertiary,self_employed,170.39,9,limited,0,836,1,microfinance,7304.37,guarantor,business,1,7242.92,0.274,24,384.38,paid_off,not_applicable,low_burden
Tanzania,2022,rural,female,25,18-24,second,secondary,self_employed,402.84,1,limited,0,221,1,microfinance,5717.59,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mali,2025,rural,female,42,35-44,fourth,tertiary,unemployed,171.66,1,none,1,650,1,digital_lender,4452.4,none,agriculture,1,4371.42,0.475,12,537.36,late_60_days,not_applicable,low_burden
Ghana,2021,rural,male,45,35-44,highest,primary,employed_informal,315.92,2,limited,1,565,1,digital_lender,5937.59,none,consumption,1,4857.99,0.427,18,385.25,current,not_applicable,low_burden
Zambia,2023,rural,female,24,18-24,second,none,employed_informal,98.25,7,limited,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,male,20,18-24,lowest,secondary,farmer,81.46,4,none,0,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,24,18-24,middle,primary,self_employed,139.6,8,good,1,744,1,commercial_bank,3834.8,savings,business,1,3732.68,0.175,6,730.84,defaulted,not_applicable,low_burden
Niger,2019,rural,female,20,18-24,second,primary,self_employed,166.48,10,good,0,836,1,informal_lender,5419.15,none,agriculture,1,4871.38,0.756,36,237.63,current,not_applicable,low_burden
Malawi,2024,rural,female,44,35-44,highest,none,self_employed,2600.68,4,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,urban,male,66,55+,fourth,none,unemployed,183.85,1,none,1,518,1,digital_lender,5056.19,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2020,rural,female,36,35-44,second,none,employed_informal,88.8,5,none,0,297,1,commercial_bank,2719.17,guarantor,education,1,2609.31,0.159,12,252.11,current,not_applicable,low_burden
Malawi,2023,urban,female,31,25-34,fourth,primary,unemployed,186.31,1,none,0,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,female,30,25-34,second,tertiary,self_employed,67.54,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,69,55+,middle,primary,unemployed,162.72,1,limited,1,214,1,sacco,1905.94,none,consumption,1,1658.97,0.281,12,177.12,current,not_applicable,low_burden
Ghana,2022,rural,female,67,55+,highest,secondary,employed_formal,399.12,7,good,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,female,51,45-54,lowest,none,self_employed,129.32,5,none,0,16,1,sacco,3454.41,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2025,rural,female,42,35-44,second,primary,farmer,134.83,5,limited,1,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,male,26,25-34,highest,tertiary,farmer,818.63,5,limited,0,776,1,informal_lender,11479.34,vehicle,business,1,11381.14,0.773,12,1681.83,defaulted,not_applicable,low_burden
Uganda,2020,urban,female,66,55+,second,primary,employed_formal,146.0,6,limited,1,19,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,18,18-24,second,primary,self_employed,104.39,7,good,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,male,26,25-34,lowest,secondary,employed_formal,70.3,8,none,0,716,1,digital_lender,4124.44,guarantor,asset_purchase,1,3956.63,0.403,48,115.67,paid_off,not_applicable,low_burden
Ethiopia,2024,rural,female,53,45-54,second,none,employed_informal,101.93,3,limited,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,male,27,25-34,middle,none,farmer,400.06,8,none,0,509,1,family_friends,12084.81,equipment,emergency,1,10754.05,0.094,18,653.54,current,not_applicable,low_burden
Nigeria,2018,rural,female,23,18-24,second,tertiary,unemployed,31.56,5,none,1,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,48,45-54,second,primary,self_employed,148.39,4,limited,1,668,1,microfinance,8674.87,guarantor,agriculture,1,7565.73,0.36,6,1714.31,late_30_days,not_applicable,low_burden
Kenya,2025,rural,male,19,18-24,second,secondary,employed_formal,66.04,9,none,1,520,1,digital_lender,4095.63,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2018,urban,male,32,25-34,middle,none,employed_informal,235.36,10,none,0,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,male,51,45-54,highest,primary,self_employed,222.57,4,none,1,826,1,commercial_bank,4870.56,guarantor,education,1,4102.03,0.195,12,408.53,current,not_applicable,low_burden
Ethiopia,2023,rural,male,27,25-34,middle,primary,employed_informal,155.59,3,none,1,129,1,sacco,4638.62,savings,consumption,1,3966.38,0.303,24,215.26,paid_off,not_applicable,low_burden
Niger,2019,urban,female,57,55+,middle,secondary,farmer,362.43,4,none,1,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,female,22,18-24,fourth,primary,employed_informal,677.41,5,none,0,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,49,45-54,lowest,tertiary,employed_informal,39.17,5,none,1,508,1,family_friends,1551.88,property,consumption,1,1378.71,0.094,24,62.87,current,not_applicable,low_burden
Nigeria,2019,rural,male,21,18-24,second,secondary,farmer,161.5,7,limited,1,578,1,microfinance,6188.48,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2022,urban,female,56,55+,lowest,secondary,employed_informal,199.57,3,limited,0,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,rural,male,57,55+,second,primary,self_employed,85.86,6,excellent,0,658,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,59,55+,highest,secondary,self_employed,664.45,2,good,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,32,25-34,second,secondary,employed_formal,28.51,10,good,0,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,30,25-34,highest,none,self_employed,354.39,3,limited,1,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,68,55+,lowest,tertiary,self_employed,72.8,4,none,1,592,1,sacco,6181.66,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2019,urban,female,55,45-54,second,primary,farmer,353.24,2,none,1,280,1,digital_lender,9774.9,none,consumption,1,8512.41,0.497,6,2124.1,current,not_applicable,low_burden
Mozambique,2022,rural,male,27,25-34,second,tertiary,employed_informal,79.74,4,excellent,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,female,19,18-24,lowest,tertiary,self_employed,582.24,10,excellent,0,788,1,family_friends,8918.35,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2023,urban,female,36,35-44,second,none,farmer,225.44,6,limited,0,337,1,informal_lender,3786.52,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2019,rural,male,52,45-54,middle,primary,employed_formal,82.02,10,limited,0,25,1,informal_lender,2365.3,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2023,urban,male,37,35-44,middle,secondary,employed_formal,734.61,9,none,0,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,60,55+,fourth,secondary,employed_informal,204.64,4,none,0,6,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,female,44,35-44,highest,secondary,employed_formal,835.66,10,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,69,55+,middle,none,employed_formal,155.69,7,none,0,179,1,family_friends,3430.42,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2022,urban,female,63,55+,highest,secondary,unemployed,383.03,4,limited,1,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,42,35-44,lowest,tertiary,self_employed,118.13,10,good,1,797,1,employer,2183.34,guarantor,emergency,1,2027.93,0.079,12,182.42,late_60_days,not_applicable,low_burden
Rwanda,2018,rural,male,61,55+,second,tertiary,self_employed,101.14,1,good,1,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,41,35-44,second,none,employed_informal,405.97,2,good,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,male,18,18-24,middle,tertiary,employed_formal,146.32,10,none,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,34,25-34,middle,none,farmer,67.13,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,39,35-44,middle,secondary,farmer,142.96,8,limited,0,814,1,family_friends,4303.66,guarantor,agriculture,1,3989.96,0.068,6,710.32,late_30_days,not_applicable,low_burden
Kenya,2022,urban,female,68,55+,highest,primary,unemployed,7492.62,1,limited,1,625,1,commercial_bank,3312.39,savings,housing,1,2778.09,0.163,6,538.43,current,not_applicable,low_burden
Senegal,2024,urban,male,61,55+,second,secondary,employed_formal,324.43,9,excellent,1,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,25,18-24,fourth,none,employed_informal,724.91,7,none,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,female,18,18-24,middle,primary,farmer,301.62,4,none,1,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,male,45,35-44,middle,primary,employed_informal,212.5,9,none,0,735,1,family_friends,3092.65,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2025,rural,male,45,35-44,second,tertiary,employed_formal,819.64,10,limited,1,782,1,commercial_bank,7627.6,none,education,1,6499.87,0.218,6,1319.83,late_30_days,not_applicable,low_burden
Ethiopia,2023,rural,female,56,55+,second,secondary,employed_informal,167.16,3,none,0,419,1,informal_lender,17423.56,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2023,urban,female,31,25-34,second,secondary,employed_formal,233.54,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,60,55+,fourth,secondary,farmer,657.02,7,none,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,urban,male,39,35-44,middle,primary,unemployed,122.37,1,none,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,female,35,25-34,lowest,none,self_employed,48.56,9,limited,0,657,1,informal_lender,2388.75,savings,emergency,1,1932.6,0.8,12,289.89,late_60_days,not_applicable,low_burden
Kenya,2021,rural,male,39,35-44,fourth,none,self_employed,277.68,4,none,0,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,male,67,55+,middle,primary,farmer,400.31,3,good,1,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,38,35-44,highest,tertiary,self_employed,267.65,8,limited,1,803,1,commercial_bank,4801.76,equipment,agriculture,1,4208.7,0.193,6,836.99,current,not_applicable,low_burden
Ethiopia,2019,rural,male,47,45-54,middle,primary,farmer,190.79,2,none,0,0,1,family_friends,2482.57,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2018,urban,female,64,55+,middle,secondary,self_employed,257.78,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,male,18,18-24,middle,secondary,unemployed,66.44,1,none,1,0,1,commercial_bank,7561.35,equipment,agriculture,1,6765.06,0.147,24,323.41,current,not_applicable,low_burden
Ghana,2018,urban,male,45,35-44,fourth,tertiary,employed_informal,344.49,5,none,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,54,45-54,second,primary,self_employed,177.31,7,limited,1,256,1,informal_lender,2440.56,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2018,rural,female,64,55+,lowest,tertiary,farmer,21.33,9,excellent,0,845,1,digital_lender,5864.23,guarantor,consumption,1,4814.64,0.402,12,562.57,current,not_applicable,low_burden
Ghana,2023,urban,male,21,18-24,highest,secondary,unemployed,2660.45,4,none,1,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,55,45-54,fourth,secondary,unemployed,457.58,1,none,0,0,1,commercial_bank,3721.55,none,agriculture,1,3040.6,0.229,12,311.35,late_30_days,not_applicable,low_burden
Uganda,2019,rural,male,59,55+,middle,secondary,self_employed,254.81,8,good,1,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,36,35-44,middle,primary,farmer,201.15,4,limited,0,644,1,informal_lender,7355.4,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2025,urban,female,56,55+,fourth,secondary,employed_informal,228.99,6,none,0,0,1,family_friends,4254.83,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2024,urban,female,43,35-44,lowest,secondary,self_employed,57.03,7,limited,1,101,1,sacco,1810.84,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Nigeria,2025,urban,male,52,45-54,second,secondary,employed_informal,233.13,6,none,1,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,female,38,35-44,lowest,tertiary,self_employed,56.95,1,none,0,0,1,family_friends,4647.98,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2023,rural,male,27,25-34,lowest,secondary,unemployed,68.75,1,excellent,0,319,1,family_friends,6061.19,none,business,1,5173.6,0.062,48,114.48,late_30_days,not_applicable,low_burden
Tanzania,2019,urban,female,61,55+,lowest,none,farmer,47.9,2,limited,0,783,1,commercial_bank,2120.05,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,urban,male,29,25-34,fourth,primary,self_employed,674.73,1,none,1,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,rural,female,27,25-34,lowest,tertiary,employed_informal,87.06,8,excellent,1,850,1,commercial_bank,2955.12,none,consumption,1,2654.54,0.199,12,265.13,current,not_applicable,low_burden
Nigeria,2020,urban,male,64,55+,fourth,secondary,self_employed,157.42,2,none,1,133,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,66,55+,highest,tertiary,employed_informal,696.06,3,none,0,630,1,sacco,5355.03,property,housing,1,5337.28,0.275,6,1134.21,late_30_days,not_applicable,low_burden
Malawi,2022,rural,male,49,45-54,lowest,primary,employed_formal,20.76,7,excellent,1,668,1,commercial_bank,1960.82,guarantor,business,1,1927.51,0.172,12,188.28,current,not_applicable,low_burden
Senegal,2018,urban,female,48,45-54,fourth,secondary,unemployed,133.7,1,limited,1,757,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,36,35-44,second,tertiary,self_employed,80.05,9,good,0,272,1,informal_lender,1503.9,savings,business,1,1322.95,0.778,12,196.06,current,not_applicable,low_burden
Niger,2020,urban,female,49,45-54,highest,secondary,employed_formal,7017.48,4,none,0,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,49,45-54,middle,primary,farmer,344.15,2,none,0,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,44,35-44,second,none,employed_formal,321.43,6,excellent,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,rural,male,52,45-54,second,tertiary,self_employed,185.71,1,none,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,46,45-54,highest,secondary,employed_informal,766.72,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,female,63,55+,lowest,primary,employed_informal,112.74,2,good,0,663,1,sacco,659.94,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2024,rural,female,52,45-54,fourth,secondary,self_employed,210.74,4,none,0,659,1,digital_lender,1386.6,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2018,urban,female,38,35-44,lowest,primary,farmer,124.92,2,good,1,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,male,52,45-54,middle,primary,self_employed,680.13,10,good,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,female,29,25-34,second,none,farmer,197.93,8,good,1,774,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,male,29,25-34,lowest,primary,unemployed,143.78,3,none,1,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,60,55+,lowest,secondary,farmer,68.45,6,limited,1,691,1,microfinance,2388.04,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2019,rural,male,48,45-54,second,primary,unemployed,396.54,3,none,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,urban,male,20,18-24,fourth,secondary,unemployed,425.2,6,none,0,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,female,36,35-44,fourth,primary,farmer,2166.14,2,good,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,female,69,55+,lowest,none,employed_informal,90.0,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,male,51,45-54,middle,primary,employed_informal,228.05,2,none,0,564,1,informal_lender,2312.89,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2021,rural,male,63,55+,lowest,none,farmer,26.39,5,limited,1,43,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,female,46,45-54,fourth,secondary,farmer,187.3,9,excellent,0,362,1,employer,3786.79,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2020,rural,female,20,18-24,fourth,tertiary,farmer,168.47,7,limited,0,410,1,family_friends,2864.63,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2023,rural,male,27,25-34,highest,secondary,self_employed,624.04,7,none,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,22,18-24,highest,secondary,farmer,272.2,1,none,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,female,56,55+,second,tertiary,farmer,299.84,9,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,female,57,55+,second,secondary,farmer,195.55,8,excellent,0,717,1,sacco,2705.81,none,agriculture,1,2465.58,0.354,12,278.11,late_30_days,not_applicable,low_burden
Ghana,2021,rural,female,41,35-44,highest,secondary,employed_formal,697.44,7,none,0,624,1,digital_lender,4651.03,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2019,rural,male,55,45-54,lowest,secondary,self_employed,26.64,4,none,1,444,1,commercial_bank,3370.06,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2018,urban,female,46,45-54,lowest,primary,employed_formal,52.46,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,56,55+,second,none,employed_formal,25.64,10,good,0,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,female,52,45-54,fourth,secondary,self_employed,1023.29,6,excellent,0,610,1,informal_lender,9214.0,equipment,business,1,8402.54,0.799,12,1259.37,current,not_applicable,low_burden
Tanzania,2020,urban,male,41,35-44,fourth,secondary,employed_formal,182.35,10,good,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,51,45-54,highest,primary,unemployed,259.56,1,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,34,25-34,second,tertiary,self_employed,326.21,7,excellent,0,506,1,informal_lender,12962.52,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2019,rural,male,56,55+,second,none,farmer,159.11,9,limited,1,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,male,65,55+,second,secondary,employed_informal,196.93,8,limited,0,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,28,25-34,fourth,tertiary,farmer,418.43,4,none,0,143,1,family_friends,5955.8,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2021,rural,female,52,45-54,lowest,primary,self_employed,117.45,5,limited,0,309,1,sacco,1073.25,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2025,rural,female,23,18-24,highest,tertiary,self_employed,712.11,5,none,1,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,urban,male,37,35-44,middle,secondary,self_employed,101.28,4,good,0,98,1,sacco,1701.72,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2020,urban,male,52,45-54,fourth,secondary,self_employed,821.84,2,none,0,0,1,commercial_bank,7854.1,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2019,rural,female,32,25-34,fourth,tertiary,self_employed,443.17,2,none,1,637,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,30,25-34,middle,secondary,farmer,454.14,7,excellent,1,389,1,sacco,6687.78,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2023,urban,male,37,35-44,fourth,primary,farmer,205.19,3,good,0,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,23,18-24,second,secondary,employed_informal,108.61,8,good,0,667,1,employer,2302.59,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,rural,female,50,45-54,fourth,primary,unemployed,433.89,4,limited,1,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,24,18-24,fourth,primary,self_employed,170.23,5,none,0,60,1,digital_lender,2426.9,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2025,rural,female,35,25-34,middle,none,employed_informal,38.53,4,none,1,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,34,25-34,lowest,primary,employed_informal,69.16,10,good,0,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,68,55+,highest,secondary,self_employed,1242.43,1,good,1,398,1,microfinance,6003.36,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2025,rural,female,69,55+,highest,tertiary,employed_informal,606.72,3,none,1,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,22,18-24,middle,tertiary,farmer,437.91,7,none,1,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,26,25-34,highest,primary,self_employed,880.66,9,none,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,female,56,55+,middle,secondary,unemployed,300.57,1,limited,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,33,25-34,second,secondary,employed_formal,133.42,10,none,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,male,51,45-54,second,none,self_employed,465.31,3,none,0,650,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,male,65,55+,lowest,secondary,employed_formal,30.67,10,none,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,female,26,25-34,middle,primary,self_employed,343.59,6,limited,0,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,male,68,55+,middle,tertiary,self_employed,130.54,8,limited,0,596,1,microfinance,3228.16,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2020,rural,female,20,18-24,lowest,primary,farmer,34.53,2,none,1,471,1,sacco,2025.17,equipment,housing,1,1759.09,0.308,12,191.81,paid_off,not_applicable,low_burden
Ghana,2024,urban,female,29,25-34,second,secondary,farmer,417.99,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,44,35-44,fourth,tertiary,employed_informal,141.38,8,none,0,0,1,sacco,1880.47,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2025,rural,female,63,55+,fourth,secondary,employed_informal,278.44,5,limited,0,726,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,46,45-54,highest,primary,self_employed,5173.27,10,none,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,25,18-24,second,primary,employed_informal,248.69,9,good,1,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,30,25-34,fourth,tertiary,farmer,196.82,2,none,1,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,57,55+,lowest,none,self_employed,60.48,9,good,0,320,1,commercial_bank,3010.36,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2022,rural,male,47,45-54,lowest,none,farmer,53.48,4,none,0,245,1,family_friends,2852.44,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2022,rural,female,18,18-24,fourth,tertiary,unemployed,826.07,2,limited,0,533,1,microfinance,6876.01,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2021,rural,female,44,35-44,second,secondary,self_employed,60.17,5,limited,0,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,39,35-44,fourth,secondary,unemployed,233.88,4,none,0,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,18,18-24,second,none,farmer,199.87,5,none,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,urban,male,30,25-34,lowest,primary,employed_informal,27.7,5,none,0,334,1,microfinance,1264.97,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2023,rural,male,66,55+,middle,secondary,farmer,105.7,6,limited,0,692,1,sacco,4844.23,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2018,rural,female,54,45-54,lowest,primary,self_employed,56.76,3,good,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,female,21,18-24,second,primary,farmer,118.47,5,limited,1,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,urban,female,18,18-24,lowest,none,farmer,34.57,1,limited,0,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,male,35,25-34,second,secondary,unemployed,231.81,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,male,42,35-44,fourth,primary,farmer,485.88,7,limited,1,454,1,commercial_bank,13147.47,none,consumption,1,12771.09,0.145,18,812.23,paid_off,not_applicable,low_burden
Uganda,2024,urban,female,41,35-44,lowest,tertiary,farmer,56.52,3,limited,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,male,54,45-54,middle,primary,employed_informal,639.6,7,none,0,699,1,informal_lender,5067.63,none,education,1,4349.67,0.788,24,324.11,current,not_applicable,low_burden
Niger,2020,rural,male,27,25-34,middle,none,unemployed,253.67,4,none,1,121,1,commercial_bank,3144.79,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2022,rural,female,20,18-24,middle,tertiary,farmer,98.98,7,none,0,0,1,family_friends,4171.98,guarantor,business,1,3693.96,0.036,12,318.98,current,not_applicable,low_burden
Nigeria,2019,urban,female,52,45-54,middle,tertiary,farmer,927.84,5,none,1,661,1,sacco,3811.71,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2018,urban,female,64,55+,middle,secondary,farmer,206.85,6,excellent,1,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,26,25-34,highest,tertiary,employed_informal,752.6,8,none,1,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,36,35-44,lowest,none,employed_informal,42.84,4,none,0,172,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,male,50,45-54,fourth,primary,farmer,761.45,5,none,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,26,25-34,lowest,primary,unemployed,64.15,1,none,0,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,62,55+,middle,primary,farmer,222.23,3,none,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,29,25-34,middle,secondary,self_employed,178.81,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,female,45,35-44,lowest,secondary,employed_informal,63.24,1,none,1,453,1,microfinance,1228.72,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2021,urban,female,35,25-34,lowest,none,self_employed,190.3,2,none,1,0,1,commercial_bank,2770.64,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2024,rural,male,52,45-54,lowest,primary,self_employed,24.97,8,good,0,413,1,family_friends,2215.31,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2020,urban,female,28,25-34,lowest,tertiary,unemployed,87.56,3,limited,0,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,23,18-24,middle,secondary,self_employed,317.65,1,limited,0,660,1,informal_lender,2957.14,none,asset_purchase,1,2902.08,0.829,18,294.83,current,not_applicable,low_burden
DRC,2019,rural,male,44,35-44,lowest,primary,self_employed,55.21,8,none,1,473,1,digital_lender,2477.4,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2021,rural,male,62,55+,fourth,primary,self_employed,649.45,8,none,0,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,urban,female,50,45-54,highest,primary,unemployed,345.69,6,excellent,0,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,57,55+,second,primary,self_employed,180.52,10,none,0,0,1,informal_lender,1199.38,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2024,urban,male,40,35-44,lowest,primary,employed_informal,37.59,1,none,1,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,25,18-24,second,secondary,self_employed,126.74,6,none,1,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,40,35-44,highest,primary,self_employed,258.51,9,none,0,286,1,family_friends,6688.88,guarantor,agriculture,1,5813.87,0.085,24,262.78,current,not_applicable,low_burden
Zambia,2020,rural,female,69,55+,second,secondary,employed_informal,96.14,3,limited,0,638,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,female,58,55+,lowest,none,farmer,40.19,6,limited,0,783,1,informal_lender,5250.83,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2025,rural,female,54,45-54,highest,none,employed_informal,2090.39,1,none,1,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,33,25-34,middle,primary,self_employed,353.28,4,limited,0,770,1,family_friends,3031.24,equipment,asset_purchase,1,2734.84,0.038,12,236.55,paid_off,not_applicable,low_burden
South Africa,2020,rural,male,49,45-54,second,tertiary,self_employed,165.04,10,none,1,111,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,female,50,45-54,highest,secondary,self_employed,305.84,8,limited,0,750,1,informal_lender,6448.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2019,urban,male,52,45-54,highest,none,self_employed,1662.99,3,good,1,682,1,family_friends,8574.63,property,business,1,8352.69,0.041,6,1449.23,current,not_applicable,low_burden
Ethiopia,2023,rural,female,64,55+,middle,primary,farmer,629.59,10,limited,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,female,53,45-54,second,secondary,employed_informal,332.7,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,male,29,25-34,middle,primary,employed_informal,79.83,4,none,0,411,1,family_friends,3087.92,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2022,rural,female,29,25-34,lowest,secondary,farmer,43.53,5,limited,1,822,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,urban,female,50,45-54,middle,tertiary,unemployed,321.91,3,none,1,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,female,63,55+,lowest,none,employed_formal,40.22,6,good,0,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,male,67,55+,middle,secondary,employed_formal,1757.08,6,good,1,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,49,45-54,fourth,secondary,unemployed,235.27,3,none,0,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,45,35-44,highest,secondary,employed_informal,961.0,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,female,60,55+,fourth,none,unemployed,323.16,1,none,0,243,1,sacco,4357.14,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2022,urban,female,68,55+,lowest,secondary,farmer,105.69,2,none,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,19,18-24,lowest,none,employed_informal,158.53,4,excellent,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,male,34,25-34,middle,secondary,employed_formal,323.34,4,good,1,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,female,35,25-34,second,secondary,unemployed,104.06,1,limited,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,female,47,45-54,lowest,primary,employed_informal,42.38,8,good,1,500,1,digital_lender,1882.71,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2023,rural,male,33,25-34,fourth,tertiary,self_employed,768.55,6,none,1,710,1,commercial_bank,4328.81,vehicle,business,1,3746.59,0.228,12,383.25,current,not_applicable,low_burden
Ethiopia,2023,urban,female,34,25-34,second,secondary,employed_informal,163.65,2,limited,0,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,19,18-24,lowest,secondary,self_employed,78.86,3,excellent,1,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,18,18-24,middle,tertiary,farmer,38.9,7,good,1,370,1,family_friends,1133.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2018,rural,female,41,35-44,highest,secondary,farmer,607.45,9,none,0,511,1,digital_lender,12564.18,equipment,education,1,12467.94,0.438,18,995.93,late_30_days,not_applicable,low_burden
Malawi,2020,rural,male,69,55+,fourth,none,employed_formal,249.02,10,none,1,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,33,25-34,lowest,secondary,self_employed,16.78,3,good,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,30,25-34,middle,secondary,farmer,399.83,9,none,0,210,1,informal_lender,2007.39,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ethiopia,2019,rural,male,31,25-34,highest,secondary,employed_informal,456.53,5,excellent,1,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,68,55+,lowest,tertiary,farmer,227.06,3,none,0,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,52,45-54,middle,primary,self_employed,538.31,6,none,1,327,1,commercial_bank,6121.18,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2023,rural,female,51,45-54,fourth,none,employed_formal,199.22,5,none,0,70,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,27,25-34,fourth,primary,unemployed,859.92,1,limited,0,127,1,family_friends,7182.02,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2023,rural,male,65,55+,lowest,secondary,self_employed,185.99,5,none,1,691,1,family_friends,3939.77,savings,agriculture,1,3312.2,0.063,24,146.68,late_30_days,not_applicable,low_burden
Mali,2019,rural,female,28,25-34,highest,primary,employed_informal,448.99,6,none,0,756,1,informal_lender,8580.22,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2021,rural,female,68,55+,second,none,employed_formal,58.88,5,good,1,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,67,55+,lowest,primary,self_employed,13.32,1,none,0,525,1,microfinance,1160.89,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2018,rural,male,47,45-54,lowest,secondary,employed_informal,78.62,4,limited,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,63,55+,second,none,employed_informal,61.37,10,none,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,69,55+,lowest,primary,farmer,80.29,6,limited,0,777,1,family_friends,4296.8,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2021,rural,female,48,45-54,fourth,none,self_employed,221.59,6,limited,1,781,1,commercial_bank,14303.57,guarantor,asset_purchase,1,13400.08,0.143,24,638.45,late_30_days,not_applicable,low_burden
Malawi,2020,rural,male,57,55+,highest,primary,employed_informal,384.72,7,good,0,551,1,employer,4940.99,none,education,1,4012.12,0.043,24,174.34,late_60_days,not_applicable,low_burden
Tanzania,2022,rural,female,48,45-54,lowest,none,farmer,40.66,6,none,0,111,1,digital_lender,656.71,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2023,urban,male,45,35-44,fourth,none,farmer,198.04,3,limited,1,759,1,sacco,3814.15,savings,business,1,3461.03,0.294,12,373.26,defaulted,not_applicable,low_burden
Ethiopia,2023,rural,male,35,25-34,highest,secondary,self_employed,448.07,10,none,0,703,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,urban,female,52,45-54,lowest,none,unemployed,53.66,1,limited,0,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,female,31,25-34,fourth,none,employed_informal,487.07,7,none,0,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,female,28,25-34,highest,secondary,employed_formal,714.3,10,limited,0,186,1,commercial_bank,5998.32,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2019,rural,male,32,25-34,fourth,none,employed_formal,155.79,10,none,1,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,18,18-24,middle,none,employed_informal,432.2,10,good,0,122,1,employer,7217.72,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2018,urban,male,66,55+,highest,primary,self_employed,885.91,2,none,0,87,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,female,31,25-34,fourth,primary,employed_formal,943.9,10,limited,0,54,1,informal_lender,2341.62,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2020,rural,female,59,55+,second,secondary,self_employed,143.61,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,male,40,35-44,lowest,tertiary,unemployed,63.22,2,limited,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,female,35,25-34,middle,primary,farmer,141.83,2,excellent,1,458,1,family_friends,4420.33,savings,asset_purchase,1,3677.18,0.024,12,313.88,current,not_applicable,low_burden
Nigeria,2021,urban,male,29,25-34,second,secondary,farmer,278.3,7,none,0,206,1,digital_lender,3694.76,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2024,urban,male,60,55+,second,tertiary,farmer,185.27,4,none,1,258,1,microfinance,6549.4,guarantor,consumption,1,6062.75,0.293,12,653.47,current,not_applicable,low_burden
Niger,2021,urban,male,44,35-44,lowest,primary,farmer,163.9,2,limited,0,833,1,commercial_bank,2823.31,vehicle,business,1,2606.94,0.177,12,255.8,late_30_days,not_applicable,low_burden
South Africa,2019,urban,male,41,35-44,fourth,secondary,self_employed,1512.59,9,none,1,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,female,52,45-54,fourth,secondary,self_employed,295.75,9,limited,0,205,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,59,55+,second,secondary,employed_informal,278.03,2,none,0,17,1,family_friends,8005.88,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2025,urban,female,52,45-54,lowest,tertiary,employed_formal,135.35,6,none,1,676,1,commercial_bank,1442.7,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2021,urban,female,42,35-44,lowest,none,self_employed,123.84,1,good,0,314,1,informal_lender,3484.55,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2020,urban,female,64,55+,lowest,tertiary,self_employed,66.36,7,none,1,589,1,digital_lender,1503.46,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2021,rural,male,64,55+,middle,primary,employed_formal,149.79,10,limited,1,672,1,commercial_bank,2774.15,none,agriculture,1,2450.38,0.159,48,59.19,late_30_days,not_applicable,low_burden
Mali,2020,urban,male,68,55+,lowest,secondary,employed_informal,59.72,3,none,1,632,1,digital_lender,13215.46,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2024,rural,male,22,18-24,highest,primary,farmer,435.16,5,none,1,124,1,informal_lender,3216.57,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2025,urban,female,64,55+,second,primary,employed_informal,100.51,8,limited,1,667,1,sacco,2537.93,property,agriculture,1,2499.77,0.352,6,563.15,current,not_applicable,low_burden
Zambia,2018,urban,female,28,25-34,lowest,none,self_employed,83.53,5,limited,1,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,female,50,45-54,highest,tertiary,employed_informal,582.8,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,male,52,45-54,second,secondary,employed_informal,164.56,8,none,1,502,1,sacco,1943.2,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2018,urban,male,28,25-34,second,tertiary,farmer,188.33,8,none,0,1,1,microfinance,3387.35,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2025,rural,female,18,18-24,lowest,primary,employed_formal,67.81,10,none,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,67,55+,middle,primary,employed_informal,246.38,5,limited,1,407,1,microfinance,4142.28,vehicle,debt_consolidation,1,4052.31,0.315,18,296.02,paid_off,not_applicable,low_burden
Uganda,2019,rural,female,64,55+,second,primary,unemployed,127.3,1,limited,1,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,27,25-34,fourth,primary,self_employed,413.72,7,good,1,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,male,49,45-54,middle,primary,self_employed,514.91,2,good,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,female,25,18-24,highest,tertiary,self_employed,487.19,6,none,1,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,47,45-54,middle,tertiary,employed_informal,388.07,1,excellent,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,34,25-34,fourth,primary,self_employed,197.13,8,excellent,0,530,1,family_friends,2668.93,none,housing,1,2527.46,0.005,12,211.78,late_60_days,not_applicable,low_burden
DRC,2018,rural,female,57,55+,fourth,primary,self_employed,542.82,7,none,0,447,1,microfinance,15992.44,equipment,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ethiopia,2025,urban,male,47,45-54,second,secondary,employed_informal,122.34,5,none,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,female,43,35-44,fourth,secondary,employed_informal,259.75,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,53,45-54,middle,secondary,self_employed,90.12,6,limited,1,839,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,female,42,35-44,lowest,secondary,employed_formal,38.31,10,none,1,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,18,18-24,fourth,none,employed_informal,235.4,7,none,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,male,48,45-54,second,none,self_employed,346.32,10,limited,0,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,58,55+,middle,tertiary,self_employed,127.48,2,good,0,850,1,employer,6974.61,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2021,urban,female,43,35-44,lowest,secondary,self_employed,19.14,1,good,0,834,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,female,27,25-34,lowest,tertiary,employed_formal,77.8,10,excellent,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,18,18-24,lowest,primary,farmer,27.61,2,limited,0,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,33,25-34,lowest,secondary,farmer,158.96,2,good,0,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,57,55+,lowest,primary,self_employed,44.86,3,none,0,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,34,25-34,lowest,tertiary,farmer,49.73,8,limited,1,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,female,67,55+,middle,primary,self_employed,462.4,1,good,1,105,1,microfinance,3300.94,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Kenya,2018,urban,male,35,25-34,second,secondary,employed_formal,278.87,7,good,1,850,1,commercial_bank,7772.57,equipment,asset_purchase,1,7336.76,0.174,24,358.85,current,not_applicable,low_burden
Ethiopia,2018,urban,female,40,35-44,highest,none,self_employed,413.99,2,limited,1,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,57,55+,fourth,none,self_employed,152.76,9,none,0,440,1,digital_lender,2809.32,savings,business,1,2285.79,0.41,18,179.04,paid_off,not_applicable,low_burden
Nigeria,2024,rural,female,49,45-54,lowest,none,farmer,17.29,8,none,0,687,1,informal_lender,764.68,guarantor,agriculture,1,661.23,0.765,6,194.48,late_30_days,not_applicable,low_burden
DRC,2020,urban,male,20,18-24,second,secondary,employed_informal,1119.43,1,limited,1,54,1,family_friends,5390.97,vehicle,business,1,4531.83,0.014,18,255.17,paid_off,not_applicable,low_burden
Ghana,2020,urban,female,21,18-24,second,secondary,employed_informal,98.93,3,none,1,424,1,digital_lender,1484.48,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2018,rural,female,28,25-34,second,tertiary,unemployed,275.11,1,none,0,685,1,informal_lender,8330.23,property,consumption,1,7311.52,0.829,12,1114.57,late_60_days,not_applicable,low_burden
Ghana,2025,urban,female,63,55+,middle,secondary,employed_informal,205.56,5,good,0,429,1,employer,2492.4,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2021,urban,female,19,18-24,middle,secondary,self_employed,140.11,2,none,0,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,female,21,18-24,middle,secondary,employed_informal,203.04,5,none,1,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,male,58,55+,second,none,unemployed,143.98,5,none,1,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,50,45-54,fourth,secondary,employed_informal,862.32,3,none,1,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,female,69,55+,second,secondary,farmer,320.02,2,none,1,0,1,commercial_bank,10895.34,none,consumption,1,8954.16,0.173,18,583.49,late_60_days,not_applicable,low_burden
South Africa,2022,rural,male,29,25-34,fourth,secondary,self_employed,218.16,4,none,1,482,1,microfinance,4698.73,none,consumption,1,4058.07,0.27,6,859.02,current,not_applicable,low_burden
Tanzania,2022,urban,male,52,45-54,highest,none,unemployed,361.53,1,limited,1,286,1,digital_lender,4145.2,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2019,rural,female,24,18-24,second,primary,unemployed,52.47,1,none,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,48,45-54,fourth,primary,farmer,66.73,2,limited,0,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,23,18-24,fourth,tertiary,employed_formal,272.11,4,good,1,621,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,male,65,55+,middle,secondary,self_employed,198.35,8,limited,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,male,39,35-44,lowest,secondary,farmer,27.07,2,limited,1,379,1,sacco,1404.16,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2024,urban,male,31,25-34,fourth,primary,self_employed,203.11,3,limited,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,female,69,55+,second,secondary,unemployed,119.95,4,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,rural,female,21,18-24,lowest,primary,farmer,38.7,6,none,0,436,1,sacco,6240.26,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2022,rural,male,59,55+,middle,none,employed_informal,172.31,1,good,1,721,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,44,35-44,second,secondary,employed_informal,93.81,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,male,53,45-54,lowest,primary,employed_informal,106.96,5,limited,0,205,1,family_friends,3273.08,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2025,rural,female,31,25-34,highest,primary,farmer,447.03,4,limited,1,469,1,commercial_bank,4246.92,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2021,urban,female,63,55+,lowest,primary,self_employed,63.83,10,good,0,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,41,35-44,middle,primary,employed_formal,53.57,5,limited,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,male,39,35-44,middle,tertiary,farmer,288.04,1,limited,1,62,1,sacco,8048.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2018,rural,female,41,35-44,lowest,secondary,employed_formal,64.1,9,limited,1,305,1,informal_lender,3775.51,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2018,rural,male,33,25-34,fourth,tertiary,self_employed,291.18,10,good,0,132,1,sacco,2677.65,guarantor,consumption,1,2447.87,0.321,18,179.67,current,not_applicable,low_burden
South Africa,2019,rural,male,34,25-34,middle,tertiary,self_employed,762.5,1,none,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,male,25,18-24,middle,primary,self_employed,334.37,9,excellent,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,male,43,35-44,middle,primary,employed_informal,179.25,10,good,0,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,42,35-44,highest,secondary,farmer,1404.9,5,none,0,842,1,family_friends,9110.0,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2020,urban,female,37,35-44,highest,none,farmer,4347.35,5,none,0,471,1,family_friends,4819.44,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2020,rural,male,69,55+,lowest,tertiary,farmer,71.9,10,good,0,205,1,digital_lender,2724.8,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2022,rural,female,23,18-24,second,none,unemployed,25.58,3,none,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,65,55+,middle,secondary,employed_informal,270.63,6,none,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,female,63,55+,highest,secondary,employed_informal,535.31,3,none,0,178,1,microfinance,7457.82,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
South Africa,2024,rural,female,19,18-24,fourth,tertiary,employed_formal,85.85,10,none,0,0,1,family_friends,3901.02,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2020,rural,female,54,45-54,second,secondary,farmer,398.06,3,limited,1,767,1,microfinance,3012.64,vehicle,business,1,2510.25,0.29,18,179.92,late_30_days,not_applicable,low_burden
Senegal,2025,urban,male,28,25-34,highest,secondary,employed_informal,2794.28,4,good,0,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,20,18-24,second,primary,unemployed,64.37,5,limited,1,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,62,55+,second,secondary,self_employed,64.67,6,none,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,24,18-24,middle,secondary,farmer,223.73,8,limited,1,669,1,commercial_bank,2800.17,guarantor,education,1,2299.36,0.202,6,460.54,defaulted,not_applicable,low_burden
Ethiopia,2023,rural,female,33,25-34,second,secondary,self_employed,65.28,10,none,1,506,1,commercial_bank,3104.48,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2024,rural,female,23,18-24,middle,secondary,farmer,181.96,7,limited,0,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,25,18-24,second,none,self_employed,109.85,2,none,1,547,1,commercial_bank,6961.56,equipment,agriculture,1,6553.17,0.224,18,445.67,paid_off,not_applicable,low_burden
Zambia,2019,urban,female,21,18-24,fourth,primary,self_employed,371.68,8,excellent,0,597,1,informal_lender,5642.8,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2019,rural,female,61,55+,highest,tertiary,farmer,248.46,6,good,0,387,1,family_friends,3253.41,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2018,rural,female,21,18-24,second,primary,employed_informal,216.4,2,limited,0,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,female,57,55+,middle,secondary,unemployed,464.5,1,limited,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,26,25-34,fourth,secondary,farmer,307.41,10,limited,0,311,1,informal_lender,8860.08,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2021,rural,female,65,55+,lowest,tertiary,farmer,58.73,2,none,1,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,female,62,55+,fourth,none,employed_informal,764.12,5,good,0,437,1,sacco,7693.08,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2024,rural,male,50,45-54,middle,primary,employed_formal,200.27,10,good,1,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,male,61,55+,lowest,tertiary,employed_formal,202.15,10,excellent,0,844,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,33,25-34,highest,secondary,self_employed,264.24,9,limited,1,472,1,family_friends,5188.01,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2022,urban,male,58,55+,second,secondary,employed_informal,330.62,8,limited,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,29,25-34,lowest,primary,unemployed,82.96,1,none,0,0,1,digital_lender,4747.53,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2024,urban,female,49,45-54,lowest,primary,unemployed,41.0,1,none,0,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,65,55+,fourth,tertiary,employed_formal,1589.67,10,limited,0,497,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,55,45-54,highest,secondary,farmer,3526.13,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,urban,female,32,25-34,second,tertiary,employed_informal,156.46,4,good,0,701,1,microfinance,3570.63,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2018,rural,male,56,55+,lowest,tertiary,employed_informal,82.24,10,good,1,618,1,family_friends,1674.45,guarantor,business,1,1422.25,0.017,36,40.18,current,not_applicable,low_burden
Ghana,2022,rural,male,63,55+,lowest,secondary,employed_informal,43.31,4,none,0,619,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,64,55+,middle,secondary,farmer,240.11,1,limited,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,56,55+,second,secondary,unemployed,54.9,3,limited,1,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,56,55+,second,secondary,employed_formal,49.51,8,limited,1,770,1,microfinance,2187.93,none,business,1,1959.6,0.298,6,423.81,late_60_days,not_applicable,low_burden
Niger,2018,urban,female,58,55+,second,secondary,employed_informal,658.01,7,none,0,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,56,55+,second,none,self_employed,118.06,7,limited,1,428,1,microfinance,6592.82,property,consumption,1,6379.79,0.341,12,713.06,current,not_applicable,low_burden
Niger,2019,rural,female,24,18-24,middle,tertiary,self_employed,207.21,7,none,0,0,1,family_friends,13169.1,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2021,urban,female,59,55+,middle,secondary,employed_formal,169.18,7,limited,0,722,1,sacco,1878.27,none,asset_purchase,1,1644.82,0.333,12,182.74,late_60_days,not_applicable,low_burden
Kenya,2020,urban,female,27,25-34,lowest,tertiary,farmer,102.65,3,excellent,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,male,46,45-54,middle,primary,unemployed,69.8,1,limited,1,691,1,microfinance,7338.67,none,business,1,6015.61,0.353,18,452.12,current,not_applicable,low_burden
South Africa,2022,urban,female,35,25-34,second,primary,self_employed,105.29,10,none,0,0,1,family_friends,2593.92,none,debt_consolidation,1,2482.56,0.065,24,110.16,late_30_days,not_applicable,low_burden
Zambia,2022,rural,male,29,25-34,middle,secondary,farmer,86.36,8,limited,0,82,1,sacco,3025.64,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2025,rural,female,32,25-34,lowest,secondary,farmer,148.91,4,limited,0,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,22,18-24,lowest,none,self_employed,18.95,10,limited,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,40,35-44,middle,primary,farmer,87.61,8,none,1,0,1,family_friends,8334.98,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2023,rural,female,39,35-44,second,secondary,self_employed,28.93,6,limited,1,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,male,38,35-44,middle,tertiary,self_employed,107.27,9,good,0,501,1,microfinance,2546.87,equipment,education,1,2413.67,0.289,18,172.86,current,not_applicable,low_burden
Nigeria,2023,rural,female,22,18-24,second,none,employed_informal,87.94,10,none,0,592,1,family_friends,2553.33,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2024,urban,male,49,45-54,lowest,primary,farmer,178.17,6,limited,0,132,1,digital_lender,2708.85,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2020,urban,male,26,25-34,middle,primary,employed_informal,255.42,2,good,0,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,urban,male,62,55+,second,primary,employed_informal,135.76,5,good,1,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,urban,male,19,18-24,lowest,none,self_employed,110.86,3,excellent,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,female,20,18-24,fourth,secondary,self_employed,241.84,7,good,1,690,1,sacco,4602.23,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2022,urban,female,33,25-34,second,secondary,employed_informal,977.75,1,limited,0,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,39,35-44,highest,primary,employed_informal,654.99,5,limited,1,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,female,68,55+,lowest,primary,farmer,120.05,5,none,0,411,1,informal_lender,4105.77,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2019,rural,female,45,35-44,highest,tertiary,self_employed,1184.22,4,none,1,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,37,35-44,fourth,primary,self_employed,213.69,7,limited,0,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,rural,female,61,55+,lowest,secondary,farmer,67.63,6,none,1,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,30,25-34,middle,primary,farmer,140.85,3,none,0,404,1,sacco,2402.54,guarantor,agriculture,1,2215.25,0.354,12,249.87,paid_off,not_applicable,low_burden
Mozambique,2022,rural,female,64,55+,middle,secondary,employed_formal,242.29,10,good,0,458,1,microfinance,10748.53,guarantor,business,1,9755.19,0.286,36,348.5,late_30_days,not_applicable,low_burden
Ghana,2023,rural,female,38,35-44,middle,secondary,self_employed,214.64,5,none,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,male,34,25-34,second,primary,employed_informal,164.04,2,none,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,rural,male,33,25-34,highest,secondary,self_employed,295.72,7,limited,1,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,male,18,18-24,fourth,secondary,farmer,1813.3,4,none,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,53,45-54,highest,primary,employed_formal,1001.04,10,limited,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,48,45-54,fourth,secondary,self_employed,108.45,8,none,0,152,1,family_friends,2088.9,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2021,urban,male,50,45-54,fourth,primary,employed_informal,366.52,7,good,1,496,1,informal_lender,7160.67,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2018,rural,female,51,45-54,fourth,primary,self_employed,109.92,10,limited,0,153,1,microfinance,3341.1,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Uganda,2025,urban,female,19,18-24,middle,tertiary,employed_formal,508.66,10,limited,1,764,1,digital_lender,12763.4,none,agriculture,1,12130.82,0.408,12,1423.74,current,not_applicable,low_burden
Zambia,2022,urban,male,63,55+,highest,none,farmer,975.62,4,none,1,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,44,35-44,middle,none,self_employed,299.22,10,limited,1,536,1,commercial_bank,3023.14,none,asset_purchase,1,2632.11,0.224,24,134.23,late_30_days,not_applicable,low_burden
Nigeria,2024,urban,female,53,45-54,lowest,none,employed_informal,49.83,6,none,0,388,1,informal_lender,3393.24,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2024,urban,female,19,18-24,middle,tertiary,farmer,239.23,8,limited,1,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,female,57,55+,lowest,none,employed_formal,104.52,7,none,0,597,1,informal_lender,13777.66,property,agriculture,1,11930.6,0.808,24,898.96,late_30_days,not_applicable,low_burden
DRC,2019,rural,female,53,45-54,highest,primary,self_employed,1390.47,10,none,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,37,35-44,middle,secondary,self_employed,361.7,10,none,0,192,1,family_friends,2224.01,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2022,rural,male,66,55+,middle,secondary,employed_formal,67.48,10,none,1,705,1,sacco,1579.5,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2023,urban,male,51,45-54,lowest,secondary,employed_informal,78.89,4,none,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,urban,male,65,55+,middle,tertiary,employed_formal,356.25,10,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,60,55+,second,none,farmer,72.53,7,good,0,198,1,microfinance,9740.61,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2018,rural,male,28,25-34,fourth,secondary,farmer,103.23,1,limited,1,301,1,commercial_bank,2959.48,vehicle,agriculture,1,2738.94,0.163,6,530.95,current,not_applicable,low_burden
South Africa,2023,rural,female,69,55+,middle,secondary,employed_formal,81.26,10,limited,1,225,1,microfinance,3123.55,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2025,urban,male,56,55+,middle,primary,employed_formal,852.49,9,none,1,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,27,25-34,second,tertiary,unemployed,52.68,2,none,0,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,59,55+,middle,secondary,employed_informal,206.77,4,excellent,0,850,1,informal_lender,3462.77,none,consumption,1,2885.47,0.776,6,853.93,current,not_applicable,low_burden
Ethiopia,2020,urban,female,40,35-44,second,primary,employed_informal,162.21,9,none,1,0,1,commercial_bank,10354.02,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2025,urban,female,62,55+,highest,none,farmer,889.51,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,male,27,25-34,highest,none,employed_formal,791.88,7,limited,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,31,25-34,fourth,tertiary,unemployed,572.9,2,none,1,249,1,commercial_bank,2410.12,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2019,rural,male,36,35-44,second,primary,employed_formal,124.37,5,limited,0,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,female,41,35-44,lowest,tertiary,farmer,38.88,3,good,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,urban,female,50,45-54,highest,none,self_employed,1026.86,7,good,0,296,1,microfinance,16830.04,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2025,rural,male,29,25-34,highest,tertiary,employed_informal,271.52,6,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,54,45-54,lowest,secondary,self_employed,84.06,9,none,0,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,19,18-24,fourth,none,unemployed,204.72,5,limited,0,214,1,digital_lender,1734.91,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2022,rural,female,35,25-34,second,none,self_employed,78.41,1,none,0,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,urban,female,52,45-54,lowest,secondary,employed_formal,128.7,7,none,1,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,male,31,25-34,highest,none,unemployed,744.86,5,limited,1,752,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,40,35-44,highest,primary,employed_informal,519.36,10,none,1,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,male,49,45-54,highest,secondary,employed_formal,1503.66,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,female,30,25-34,lowest,tertiary,employed_formal,30.48,10,excellent,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,68,55+,middle,secondary,farmer,283.49,3,none,0,595,1,informal_lender,1871.92,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2025,urban,male,62,55+,highest,tertiary,employed_informal,1925.58,9,none,1,685,1,family_friends,5365.93,savings,emergency,1,4972.31,0.008,48,104.47,paid_off,not_applicable,low_burden
Zambia,2022,urban,female,68,55+,fourth,secondary,employed_informal,1113.37,5,limited,0,630,1,microfinance,7664.26,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2021,rural,male,43,35-44,second,secondary,unemployed,556.62,1,none,1,79,1,commercial_bank,4086.68,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2019,urban,female,35,25-34,middle,primary,self_employed,190.34,3,none,0,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,rural,female,69,55+,lowest,secondary,employed_informal,32.81,10,good,1,487,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,urban,male,55,45-54,middle,secondary,self_employed,528.67,8,none,0,137,1,digital_lender,3863.53,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2019,urban,female,59,55+,highest,secondary,employed_informal,1913.11,1,none,1,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,27,25-34,lowest,tertiary,self_employed,34.63,10,none,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,male,63,55+,lowest,primary,employed_informal,126.18,9,none,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,female,45,35-44,middle,secondary,self_employed,1346.5,6,good,0,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,female,58,55+,middle,secondary,farmer,215.2,1,good,1,278,1,sacco,2461.54,guarantor,consumption,1,2396.1,0.326,12,264.77,current,not_applicable,low_burden
Tanzania,2023,rural,female,60,55+,second,primary,employed_informal,231.54,5,none,0,215,1,informal_lender,2560.77,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Kenya,2018,rural,male,23,18-24,lowest,primary,employed_informal,181.64,2,none,1,296,1,commercial_bank,2293.68,property,business,1,2071.25,0.217,18,140.04,current,not_applicable,low_burden
Kenya,2019,rural,male,23,18-24,fourth,tertiary,self_employed,1902.53,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,21,18-24,lowest,primary,farmer,71.54,4,limited,1,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,female,51,45-54,middle,secondary,farmer,717.26,8,limited,1,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,urban,female,65,55+,middle,secondary,farmer,171.81,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,female,19,18-24,second,tertiary,unemployed,123.44,1,limited,0,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,rural,female,25,18-24,middle,secondary,farmer,146.32,9,none,1,617,1,commercial_bank,4241.06,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Uganda,2023,rural,male,43,35-44,fourth,none,unemployed,88.11,3,none,0,164,1,family_friends,2057.01,savings,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2018,rural,female,38,35-44,middle,primary,self_employed,65.12,7,limited,0,191,1,informal_lender,540.27,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mozambique,2018,rural,male,23,18-24,middle,secondary,employed_informal,270.25,8,none,1,415,1,digital_lender,4598.32,savings,consumption,1,3754.92,0.468,6,918.7,late_30_days,not_applicable,low_burden
Senegal,2023,urban,male,49,45-54,second,none,self_employed,247.92,8,limited,1,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,65,55+,second,secondary,employed_informal,58.51,8,limited,1,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,female,29,25-34,middle,primary,employed_formal,887.57,6,good,0,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,male,18,18-24,second,none,employed_informal,83.21,7,limited,1,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,29,25-34,second,tertiary,self_employed,145.24,10,none,1,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,27,25-34,lowest,tertiary,farmer,45.04,8,limited,0,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,male,42,35-44,fourth,secondary,self_employed,530.16,5,good,0,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,female,23,18-24,lowest,primary,employed_formal,112.99,10,none,0,544,1,digital_lender,5211.9,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2022,rural,female,36,35-44,highest,tertiary,unemployed,1128.29,6,good,1,661,1,informal_lender,7037.84,guarantor,emergency,1,6563.3,0.826,24,499.41,current,not_applicable,low_burden
Tanzania,2021,rural,male,24,18-24,middle,secondary,self_employed,328.26,7,excellent,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2025,rural,male,53,45-54,lowest,tertiary,employed_informal,90.42,8,limited,0,615,1,family_friends,1428.39,property,education,1,1391.06,0.06,12,122.86,current,not_applicable,low_burden
Mali,2018,rural,male,42,35-44,middle,none,employed_informal,82.06,9,none,1,669,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,female,21,18-24,second,none,employed_informal,268.4,4,limited,1,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,20,18-24,highest,secondary,unemployed,471.59,1,none,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,female,43,35-44,highest,tertiary,employed_informal,919.74,4,none,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,48,45-54,fourth,none,unemployed,384.67,1,none,1,467,1,commercial_bank,8464.38,guarantor,emergency,1,7104.74,0.131,18,446.41,current,not_applicable,low_burden
South Africa,2022,urban,female,27,25-34,middle,primary,employed_informal,381.23,7,limited,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,34,25-34,highest,secondary,farmer,472.96,5,limited,0,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,male,49,45-54,middle,tertiary,employed_formal,267.03,10,limited,0,748,1,microfinance,2053.95,none,business,1,1894.64,0.315,6,415.09,current,not_applicable,low_burden
Niger,2025,rural,female,42,35-44,highest,secondary,self_employed,2062.19,7,none,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,female,24,18-24,lowest,tertiary,self_employed,36.29,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,urban,male,38,35-44,highest,secondary,employed_informal,988.9,10,limited,0,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,28,25-34,middle,tertiary,unemployed,91.69,5,limited,1,632,1,commercial_bank,2524.03,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2024,rural,female,66,55+,second,secondary,farmer,194.49,1,none,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,59,55+,highest,none,employed_informal,399.26,10,none,0,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,34,25-34,fourth,secondary,farmer,338.76,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,urban,male,30,25-34,highest,secondary,employed_informal,391.92,4,good,1,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,25,18-24,lowest,primary,unemployed,148.77,1,limited,1,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,female,56,55+,middle,primary,self_employed,210.45,6,good,0,363,1,family_friends,4201.08,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2022,urban,female,65,55+,fourth,secondary,employed_informal,541.72,10,none,0,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,female,32,25-34,lowest,secondary,employed_informal,107.63,7,none,0,554,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,female,51,45-54,fourth,primary,employed_informal,137.32,6,none,1,0,1,commercial_bank,6863.26,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Uganda,2020,rural,male,30,25-34,middle,tertiary,unemployed,130.03,1,none,1,695,1,microfinance,4971.29,equipment,education,1,4173.02,0.274,6,885.78,current,not_applicable,low_burden
Mozambique,2022,rural,female,65,55+,second,primary,employed_informal,136.64,9,none,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,33,25-34,fourth,none,employed_informal,96.06,8,good,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,male,22,18-24,lowest,none,farmer,28.22,1,none,0,421,1,informal_lender,2225.26,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Senegal,2022,rural,female,63,55+,fourth,primary,employed_informal,185.57,3,none,0,446,1,family_friends,7076.17,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2018,urban,male,67,55+,highest,none,employed_formal,445.69,10,none,1,31,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,male,38,35-44,middle,secondary,farmer,234.54,8,none,1,522,1,microfinance,2218.43,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2023,urban,male,65,55+,middle,secondary,employed_formal,430.1,8,limited,0,824,1,informal_lender,14605.12,guarantor,business,1,14078.52,0.758,24,1031.33,late_30_days,not_applicable,low_burden
Mozambique,2018,rural,female,30,25-34,second,secondary,farmer,205.05,6,none,0,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,32,25-34,second,tertiary,self_employed,430.48,2,none,1,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,45,35-44,highest,tertiary,employed_informal,653.59,9,limited,1,669,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,49,45-54,second,primary,self_employed,135.15,7,none,0,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,female,38,35-44,second,none,employed_informal,119.21,6,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,59,55+,second,primary,self_employed,151.79,7,limited,0,588,1,digital_lender,594.2,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2020,urban,female,59,55+,middle,secondary,self_employed,394.32,6,none,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,24,18-24,fourth,primary,farmer,628.79,5,good,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,69,55+,lowest,secondary,self_employed,170.9,2,good,1,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,26,25-34,second,secondary,farmer,260.31,5,none,1,44,1,commercial_bank,10911.28,savings,business,1,9280.78,0.148,18,591.69,current,not_applicable,low_burden
Ethiopia,2021,urban,male,45,35-44,lowest,secondary,employed_formal,258.64,10,limited,0,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,39,35-44,lowest,none,unemployed,91.56,1,none,0,634,1,microfinance,1846.45,none,consumption,1,1709.6,0.359,24,96.8,current,not_applicable,low_burden
Ethiopia,2019,rural,female,41,35-44,second,primary,employed_informal,79.06,5,good,1,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,24,18-24,fourth,primary,farmer,240.97,9,none,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,male,35,25-34,middle,secondary,self_employed,277.06,6,limited,1,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,19,18-24,lowest,secondary,employed_formal,28.21,4,none,1,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,female,68,55+,middle,secondary,self_employed,194.21,9,good,0,531,1,family_friends,5178.93,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2024,urban,female,25,18-24,fourth,secondary,unemployed,221.5,1,excellent,0,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,43,35-44,second,secondary,farmer,230.23,5,none,1,0,1,family_friends,10520.23,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2023,urban,female,29,25-34,lowest,none,farmer,115.12,2,none,1,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,27,25-34,fourth,primary,self_employed,142.6,3,limited,0,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,female,38,35-44,lowest,none,self_employed,56.85,4,limited,0,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,68,55+,fourth,none,employed_informal,1765.08,3,none,1,354,1,informal_lender,13929.74,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2023,urban,male,42,35-44,fourth,primary,self_employed,764.46,9,limited,1,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,67,55+,highest,secondary,employed_informal,912.65,6,limited,0,814,1,digital_lender,9557.09,none,agriculture,1,8772.11,0.422,12,1039.14,late_30_days,not_applicable,low_burden
DRC,2019,urban,male,61,55+,lowest,none,farmer,56.45,4,excellent,1,403,1,commercial_bank,4250.38,none,agriculture,1,3718.89,0.175,12,364.2,late_60_days,not_applicable,low_burden
Rwanda,2022,urban,male,40,35-44,lowest,none,farmer,109.88,3,limited,0,678,1,informal_lender,1352.94,equipment,agriculture,1,1326.01,0.838,24,101.53,current,not_applicable,low_burden
Uganda,2025,rural,female,64,55+,highest,none,self_employed,657.31,5,limited,1,106,1,commercial_bank,3018.49,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2025,urban,male,36,35-44,middle,primary,farmer,170.82,4,none,1,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,male,44,35-44,second,primary,employed_informal,85.86,9,none,0,366,1,family_friends,3509.12,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2019,urban,male,53,45-54,middle,none,employed_informal,214.53,3,limited,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,female,48,45-54,lowest,primary,employed_informal,21.25,7,limited,0,0,1,family_friends,1536.0,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2018,rural,female,61,55+,middle,tertiary,employed_informal,79.19,5,good,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,rural,male,26,25-34,highest,primary,employed_informal,577.49,3,none,0,218,1,employer,5276.88,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2022,rural,male,43,35-44,fourth,primary,farmer,182.13,5,none,0,230,1,family_friends,8447.33,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2025,rural,female,52,45-54,second,primary,farmer,98.27,2,none,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,male,35,25-34,highest,primary,self_employed,321.94,6,limited,0,166,1,informal_lender,10061.6,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2021,urban,female,63,55+,fourth,secondary,unemployed,861.99,4,none,0,538,1,digital_lender,4299.82,none,consumption,1,4214.95,0.468,18,343.71,current,not_applicable,low_burden
Zambia,2020,rural,female,33,25-34,lowest,primary,unemployed,258.44,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,urban,male,33,25-34,fourth,tertiary,employed_formal,1009.79,4,none,0,331,1,family_friends,10378.11,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2018,urban,female,34,25-34,lowest,tertiary,self_employed,198.28,6,none,1,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,53,45-54,second,secondary,unemployed,188.03,1,none,1,648,1,sacco,1592.05,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2022,urban,female,24,18-24,middle,primary,employed_informal,359.33,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,male,25,18-24,lowest,primary,self_employed,95.48,7,good,0,447,1,family_friends,1199.07,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2020,rural,female,58,55+,lowest,primary,unemployed,31.76,6,none,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,28,25-34,middle,secondary,farmer,483.65,10,good,0,846,1,digital_lender,3471.24,savings,emergency,1,3013.1,0.413,18,236.57,current,not_applicable,low_burden
Kenya,2019,rural,female,23,18-24,second,none,farmer,188.63,6,limited,0,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,female,31,25-34,middle,secondary,unemployed,144.63,1,good,1,850,1,sacco,3552.0,savings,agriculture,1,3088.88,0.316,12,338.81,current,not_applicable,low_burden
Nigeria,2018,rural,male,38,35-44,second,primary,employed_informal,175.3,9,limited,0,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,19,18-24,fourth,primary,farmer,202.87,4,none,1,0,1,microfinance,2834.9,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2020,urban,female,61,55+,highest,primary,farmer,637.24,6,none,0,38,1,microfinance,8680.37,property,education,1,8081.16,0.347,18,604.78,current,not_applicable,low_burden
Nigeria,2018,rural,male,24,18-24,lowest,primary,employed_informal,103.64,2,excellent,0,346,1,informal_lender,3183.08,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2025,rural,male,39,35-44,fourth,secondary,employed_formal,445.72,7,good,0,827,1,microfinance,11201.83,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2019,rural,male,28,25-34,lowest,secondary,employed_informal,51.21,5,limited,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,urban,male,33,25-34,second,primary,farmer,141.88,8,limited,1,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,female,20,18-24,second,none,farmer,204.52,9,limited,0,685,1,digital_lender,5838.36,equipment,education,1,5002.3,0.444,24,301.05,late_30_days,not_applicable,low_burden
Mozambique,2023,urban,male,67,55+,lowest,tertiary,unemployed,24.87,1,good,0,829,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,female,66,55+,lowest,primary,employed_informal,52.87,6,limited,1,373,1,sacco,1320.99,vehicle,education,1,1137.06,0.292,12,122.4,paid_off,not_applicable,low_burden
Senegal,2024,urban,female,24,18-24,fourth,secondary,self_employed,202.91,10,none,1,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,rural,male,28,25-34,fourth,primary,employed_formal,332.49,4,none,1,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,64,55+,highest,secondary,unemployed,2122.5,2,limited,0,600,1,microfinance,18385.39,none,business,1,14783.97,0.334,12,1643.92,current,not_applicable,low_burden
Mali,2025,rural,male,39,35-44,highest,secondary,self_employed,927.35,8,none,1,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,male,21,18-24,second,none,farmer,84.8,2,good,1,653,1,digital_lender,1769.11,guarantor,business,1,1448.53,0.441,6,347.83,current,not_applicable,low_burden
Zambia,2018,urban,male,25,18-24,lowest,secondary,employed_informal,54.8,7,excellent,0,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,rural,male,39,35-44,lowest,secondary,employed_formal,35.54,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,male,47,45-54,middle,none,employed_formal,810.82,10,good,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,male,50,45-54,highest,secondary,farmer,1038.94,8,limited,0,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,male,25,18-24,second,primary,employed_informal,139.51,2,limited,0,49,1,microfinance,4626.72,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2018,rural,male,37,35-44,lowest,none,farmer,13.74,1,none,0,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,31,25-34,second,secondary,employed_informal,53.07,4,none,1,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,male,45,35-44,highest,tertiary,self_employed,643.8,3,excellent,1,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,34,25-34,second,primary,employed_informal,85.59,3,limited,1,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,female,28,25-34,fourth,secondary,employed_formal,539.94,10,limited,1,50,1,digital_lender,4612.65,equipment,housing,1,4297.18,0.451,48,129.93,paid_off,not_applicable,low_burden
Uganda,2023,rural,female,60,55+,second,none,self_employed,131.92,7,none,0,246,1,commercial_bank,7824.15,property,housing,1,6761.32,0.142,36,214.58,current,not_applicable,low_burden
Uganda,2024,rural,female,47,45-54,second,secondary,self_employed,184.68,4,none,0,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,42,35-44,second,primary,self_employed,32.78,7,limited,0,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,female,24,18-24,fourth,secondary,self_employed,152.12,2,limited,0,826,1,family_friends,5801.1,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2019,rural,female,21,18-24,fourth,primary,employed_informal,307.53,2,good,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,59,55+,second,primary,self_employed,77.1,1,limited,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,urban,male,68,55+,second,secondary,farmer,145.64,5,none,0,28,1,informal_lender,2426.54,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2018,rural,female,48,45-54,lowest,none,employed_formal,65.02,10,none,1,0,1,digital_lender,2119.55,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2018,urban,female,20,18-24,lowest,primary,self_employed,53.35,6,none,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,rural,male,43,35-44,lowest,primary,employed_formal,68.92,9,none,0,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,32,25-34,lowest,secondary,employed_formal,88.16,5,none,1,462,1,sacco,21425.79,none,housing,1,17488.76,0.361,6,3965.59,paid_off,not_applicable,low_burden
Mali,2021,rural,female,20,18-24,fourth,none,employed_formal,345.11,10,good,1,755,1,microfinance,2432.67,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2021,rural,female,25,18-24,fourth,secondary,self_employed,546.11,6,none,0,285,1,family_friends,4042.11,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2024,rural,male,43,35-44,fourth,primary,employed_formal,72.04,10,good,1,826,1,microfinance,1860.16,none,agriculture,1,1834.19,0.362,24,104.1,late_30_days,not_applicable,low_burden
Malawi,2020,urban,male,40,35-44,fourth,secondary,farmer,326.39,3,excellent,0,800,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,male,47,45-54,highest,tertiary,farmer,1850.01,1,none,1,37,1,microfinance,5057.58,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2021,urban,female,54,45-54,highest,primary,employed_formal,540.92,8,limited,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,female,31,25-34,second,secondary,self_employed,60.24,2,none,1,727,1,microfinance,1377.73,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2023,urban,female,32,25-34,lowest,primary,employed_formal,82.26,5,none,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,male,53,45-54,lowest,none,employed_formal,59.51,6,none,0,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,male,28,25-34,highest,secondary,unemployed,681.32,3,none,1,612,1,digital_lender,6371.61,equipment,agriculture,1,5474.11,0.43,18,434.99,paid_off,not_applicable,low_burden
Niger,2024,rural,female,21,18-24,lowest,tertiary,self_employed,218.94,5,limited,1,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,62,55+,second,secondary,employed_formal,148.24,10,limited,1,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,28,25-34,middle,tertiary,farmer,106.3,2,limited,1,56,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,male,24,18-24,middle,primary,unemployed,73.01,6,limited,0,256,1,informal_lender,3722.81,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2020,rural,male,56,55+,middle,secondary,self_employed,265.66,5,good,1,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,45,35-44,fourth,none,farmer,172.38,6,good,1,696,1,family_friends,1511.59,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2020,rural,female,25,18-24,middle,tertiary,farmer,902.48,9,good,0,374,1,commercial_bank,5632.16,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2024,urban,male,62,55+,highest,secondary,farmer,1336.59,5,limited,0,401,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,urban,female,30,25-34,lowest,primary,self_employed,132.99,2,none,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,rural,female,53,45-54,highest,secondary,farmer,790.29,3,limited,0,266,1,microfinance,4454.55,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
South Africa,2021,rural,female,51,45-54,middle,secondary,self_employed,438.52,10,limited,0,647,1,informal_lender,2825.93,property,agriculture,1,2378.93,0.779,48,88.18,late_60_days,not_applicable,low_burden
Mali,2022,rural,male,61,55+,lowest,tertiary,employed_informal,11.26,1,none,0,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,male,55,45-54,highest,secondary,employed_formal,286.01,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,urban,female,54,45-54,highest,tertiary,self_employed,2043.08,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,rural,female,20,18-24,fourth,secondary,employed_formal,942.68,9,excellent,1,509,1,digital_lender,14072.73,vehicle,consumption,1,12728.31,0.417,18,1002.04,current,not_applicable,low_burden
Senegal,2021,rural,female,66,55+,highest,secondary,employed_formal,279.67,7,none,0,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,female,24,18-24,second,secondary,self_employed,33.96,9,none,0,680,1,microfinance,1309.39,none,housing,1,1265.06,0.329,12,140.06,late_60_days,not_applicable,low_burden
Zambia,2021,rural,male,31,25-34,lowest,none,unemployed,67.73,1,none,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,male,41,35-44,lowest,none,employed_formal,84.61,10,good,1,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,32,25-34,highest,tertiary,employed_informal,736.19,3,limited,1,681,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,female,48,45-54,fourth,tertiary,farmer,316.26,4,good,0,95,1,sacco,2200.78,guarantor,agriculture,1,2144.71,0.29,24,115.27,current,not_applicable,low_burden
South Africa,2024,urban,male,20,18-24,highest,tertiary,self_employed,270.97,1,good,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,female,41,35-44,fourth,none,farmer,253.61,6,none,1,103,1,employer,7774.43,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Tanzania,2021,rural,female,36,35-44,middle,primary,self_employed,170.75,2,none,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,51,45-54,lowest,tertiary,self_employed,41.04,2,good,0,760,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,urban,female,45,35-44,lowest,none,employed_informal,23.46,4,none,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,57,55+,middle,primary,self_employed,301.16,5,limited,0,565,1,digital_lender,10401.77,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2020,urban,female,26,25-34,fourth,primary,self_employed,901.76,10,none,1,360,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,67,55+,lowest,tertiary,employed_formal,34.54,10,limited,1,189,1,microfinance,2405.34,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2020,urban,male,38,35-44,highest,secondary,employed_informal,869.69,5,excellent,0,850,1,sacco,4263.36,equipment,agriculture,1,3670.83,0.331,36,135.76,late_60_days,not_applicable,low_burden
Malawi,2021,urban,male,36,35-44,fourth,primary,self_employed,347.4,6,none,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,female,46,45-54,second,secondary,farmer,86.25,8,limited,0,5,1,commercial_bank,2528.89,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2023,urban,female,26,25-34,highest,none,self_employed,1399.03,4,excellent,1,519,1,commercial_bank,6119.81,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2018,urban,female,60,55+,middle,secondary,farmer,428.56,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,male,31,25-34,fourth,secondary,farmer,699.7,7,limited,0,512,1,microfinance,6672.88,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2025,rural,female,66,55+,second,secondary,employed_formal,253.68,10,good,0,830,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,25,18-24,second,primary,unemployed,160.46,6,none,0,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,female,62,55+,lowest,primary,farmer,440.45,4,none,0,237,1,digital_lender,8779.52,equipment,emergency,1,8326.78,0.495,18,691.39,current,not_applicable,low_burden
Rwanda,2023,rural,male,38,35-44,middle,none,employed_informal,591.87,1,none,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,female,49,45-54,fourth,tertiary,self_employed,208.02,6,none,1,167,1,commercial_bank,4173.2,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2023,urban,female,63,55+,highest,primary,employed_informal,1082.4,4,none,0,47,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,female,24,18-24,highest,primary,unemployed,246.72,1,none,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,rural,male,36,35-44,lowest,primary,self_employed,61.4,2,none,0,461,1,informal_lender,2606.89,none,asset_purchase,1,2358.28,0.768,12,347.47,late_30_days,not_applicable,low_burden
Kenya,2020,rural,female,67,55+,highest,tertiary,self_employed,2142.88,6,good,1,195,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,male,25,18-24,lowest,secondary,unemployed,629.69,6,none,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,rural,male,23,18-24,lowest,none,self_employed,55.34,4,limited,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,male,45,35-44,fourth,secondary,employed_informal,621.87,6,none,1,166,1,commercial_bank,4819.83,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2022,rural,female,19,18-24,highest,primary,self_employed,1014.38,2,limited,0,753,1,family_friends,11881.47,savings,consumption,1,10919.81,0.023,24,465.27,current,not_applicable,low_burden
Zambia,2021,rural,female,69,55+,highest,secondary,farmer,2654.76,2,none,0,398,1,sacco,14608.73,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2020,rural,male,64,55+,fourth,tertiary,employed_informal,165.71,8,none,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,27,25-34,lowest,secondary,self_employed,386.52,7,excellent,1,576,1,commercial_bank,1800.1,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2025,urban,male,26,25-34,lowest,tertiary,self_employed,71.98,2,good,0,590,1,family_friends,955.07,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2018,rural,male,58,55+,lowest,secondary,self_employed,26.55,6,limited,1,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,female,45,35-44,middle,primary,unemployed,239.28,2,limited,1,233,1,informal_lender,3671.45,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2024,rural,male,60,55+,middle,secondary,self_employed,113.48,1,none,0,489,1,informal_lender,5961.98,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2022,rural,male,68,55+,lowest,secondary,self_employed,80.79,4,none,0,624,1,digital_lender,5861.94,savings,housing,1,5205.42,0.409,6,1222.51,current,not_applicable,low_burden
Mali,2022,urban,female,38,35-44,second,primary,farmer,56.92,9,limited,1,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,male,31,25-34,middle,secondary,employed_informal,329.46,4,good,1,766,1,informal_lender,8043.15,none,business,1,6719.65,0.781,24,498.79,current,not_applicable,low_burden
Malawi,2019,urban,female,50,45-54,fourth,none,employed_formal,782.97,10,excellent,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,female,51,45-54,second,primary,unemployed,510.97,3,limited,0,519,1,family_friends,5538.67,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2024,urban,female,40,35-44,second,tertiary,farmer,291.41,1,none,1,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,female,33,25-34,middle,none,self_employed,540.89,10,limited,0,535,1,digital_lender,14936.63,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2023,rural,male,31,25-34,fourth,secondary,employed_formal,215.8,10,limited,1,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,45,35-44,second,primary,employed_informal,159.85,7,none,0,589,1,digital_lender,2473.29,property,housing,1,2384.47,0.488,24,147.85,current,not_applicable,low_burden
Rwanda,2024,rural,female,40,35-44,lowest,secondary,employed_formal,12.65,5,none,0,14,1,commercial_bank,1159.29,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2020,rural,male,41,35-44,highest,tertiary,self_employed,613.1,9,none,0,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,22,18-24,fourth,secondary,self_employed,644.87,1,none,1,595,1,commercial_bank,2836.38,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2021,rural,female,63,55+,lowest,secondary,employed_informal,84.13,6,good,1,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,female,54,45-54,middle,primary,self_employed,66.45,5,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,female,65,55+,middle,primary,unemployed,152.2,3,limited,1,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,61,55+,lowest,secondary,unemployed,50.54,1,none,1,121,1,commercial_bank,1967.18,none,asset_purchase,1,1787.82,0.132,12,168.59,current,not_applicable,low_burden
Mozambique,2025,rural,female,50,45-54,lowest,secondary,farmer,44.61,9,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,33,25-34,highest,secondary,self_employed,1103.04,6,limited,0,823,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,52,45-54,middle,secondary,self_employed,171.84,3,limited,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,47,45-54,lowest,primary,self_employed,64.58,4,good,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,66,55+,fourth,primary,employed_informal,234.06,7,limited,1,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,30,25-34,middle,tertiary,farmer,628.73,2,good,0,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,19,18-24,middle,secondary,farmer,662.34,3,none,0,498,1,sacco,4009.78,equipment,business,1,3530.09,0.334,6,784.64,current,not_applicable,low_burden
DRC,2023,rural,female,24,18-24,second,secondary,self_employed,97.76,10,limited,0,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,female,27,25-34,lowest,secondary,employed_informal,660.98,9,none,1,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,52,45-54,lowest,tertiary,employed_informal,35.23,4,limited,0,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,female,25,18-24,highest,tertiary,unemployed,2004.91,2,limited,1,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,24,18-24,middle,primary,employed_informal,102.78,5,none,1,463,1,family_friends,8056.63,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2021,urban,female,38,35-44,fourth,tertiary,employed_formal,845.08,6,limited,1,661,1,informal_lender,16571.76,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2024,rural,female,58,55+,lowest,primary,self_employed,97.99,3,limited,1,262,1,commercial_bank,3263.53,equipment,agriculture,1,3051.62,0.168,6,594.25,paid_off,not_applicable,low_burden
Zambia,2022,urban,female,40,35-44,fourth,primary,farmer,242.28,2,none,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,male,32,25-34,middle,tertiary,employed_formal,272.3,10,limited,0,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,urban,male,32,25-34,middle,primary,employed_informal,1102.94,3,good,0,850,1,commercial_bank,10909.97,guarantor,education,1,9656.73,0.162,48,233.72,late_60_days,not_applicable,low_burden
Mali,2020,rural,female,60,55+,second,primary,farmer,68.6,2,none,0,154,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,40,35-44,middle,secondary,unemployed,264.97,3,limited,0,55,1,informal_lender,3246.85,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2025,rural,female,37,35-44,lowest,tertiary,self_employed,76.18,2,good,0,612,1,digital_lender,620.85,savings,consumption,1,602.12,0.417,24,35.56,late_30_days,not_applicable,low_burden
Ethiopia,2022,urban,female,58,55+,lowest,none,farmer,87.24,10,none,0,0,1,family_friends,1899.18,savings,agriculture,1,1570.88,0.083,12,141.81,late_60_days,not_applicable,low_burden
Nigeria,2023,rural,female,37,35-44,fourth,secondary,employed_informal,98.15,9,none,1,62,1,family_friends,4924.86,none,agriculture,1,3969.36,0.082,36,119.33,current,not_applicable,low_burden
Ethiopia,2018,urban,male,36,35-44,lowest,secondary,farmer,160.51,5,limited,1,448,1,microfinance,4970.76,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Rwanda,2025,rural,female,57,55+,lowest,primary,self_employed,60.73,2,limited,1,314,1,commercial_bank,2055.92,savings,asset_purchase,1,1878.86,0.134,36,59.19,late_60_days,not_applicable,low_burden
Uganda,2019,rural,male,35,25-34,highest,secondary,farmer,1438.0,2,good,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,44,35-44,second,secondary,farmer,212.84,9,limited,0,299,1,family_friends,6663.52,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2021,rural,female,52,45-54,middle,secondary,employed_informal,209.23,5,limited,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,28,25-34,fourth,secondary,employed_informal,427.99,6,limited,0,638,1,informal_lender,4258.55,none,consumption,1,3625.6,0.808,36,182.05,current,not_applicable,low_burden
Niger,2025,urban,male,24,18-24,fourth,tertiary,farmer,246.42,2,none,0,540,1,informal_lender,2284.9,none,emergency,1,1881.94,0.791,18,187.31,current,not_applicable,low_burden
Tanzania,2024,urban,male,62,55+,lowest,secondary,employed_formal,267.47,10,limited,1,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,female,33,25-34,middle,none,farmer,229.41,6,none,0,464,1,family_friends,6865.84,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2022,urban,female,35,25-34,middle,secondary,self_employed,231.49,1,excellent,0,428,1,digital_lender,3062.69,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Uganda,2024,urban,female,48,45-54,second,secondary,employed_formal,447.16,4,none,1,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,23,18-24,fourth,none,farmer,392.08,10,none,1,0,1,commercial_bank,10098.85,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2018,urban,female,20,18-24,highest,secondary,self_employed,839.5,1,good,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,male,39,35-44,lowest,secondary,farmer,80.48,3,none,1,168,1,digital_lender,876.68,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2024,rural,female,68,55+,lowest,primary,employed_informal,93.36,1,none,1,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,female,47,45-54,fourth,primary,employed_formal,303.53,4,good,0,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,female,48,45-54,second,secondary,employed_informal,231.35,9,good,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,male,49,45-54,fourth,primary,employed_informal,202.13,8,none,1,363,1,commercial_bank,2976.27,none,education,1,2399.07,0.131,24,113.02,late_30_days,not_applicable,low_burden
Tanzania,2022,urban,female,62,55+,lowest,tertiary,farmer,107.94,4,none,0,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,61,55+,lowest,none,self_employed,157.36,2,limited,0,341,1,commercial_bank,5425.42,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2024,rural,female,19,18-24,fourth,secondary,employed_formal,509.57,6,limited,1,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,rural,female,46,45-54,highest,secondary,unemployed,138.32,1,none,1,834,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,female,46,45-54,lowest,primary,employed_formal,82.24,10,none,1,415,1,microfinance,3942.78,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2021,urban,male,29,25-34,highest,secondary,self_employed,423.47,6,good,1,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,68,55+,second,none,unemployed,298.38,1,none,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,male,31,25-34,lowest,primary,farmer,68.36,1,good,1,141,1,commercial_bank,2386.71,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2025,rural,male,61,55+,middle,secondary,employed_informal,455.14,2,none,1,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,male,23,18-24,second,primary,unemployed,77.2,1,limited,0,688,1,family_friends,3397.19,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2023,urban,female,49,45-54,fourth,secondary,self_employed,646.63,3,limited,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,rural,male,56,55+,second,secondary,employed_formal,121.98,8,none,0,0,1,employer,3727.6,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2025,urban,male,44,35-44,middle,none,employed_formal,2065.58,10,limited,1,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,urban,female,23,18-24,lowest,primary,unemployed,204.97,1,none,1,612,1,family_friends,1723.79,none,housing,1,1644.62,0.031,6,282.47,paid_off,not_applicable,low_burden
DRC,2021,rural,male,24,18-24,fourth,tertiary,employed_informal,719.13,4,good,0,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,male,49,45-54,highest,primary,farmer,4096.07,6,limited,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,female,62,55+,second,secondary,employed_formal,147.96,4,none,0,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,urban,male,49,45-54,second,none,employed_informal,168.79,8,limited,1,52,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,urban,male,23,18-24,highest,tertiary,farmer,853.08,1,good,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,58,55+,lowest,primary,unemployed,113.05,1,none,0,731,1,microfinance,2673.31,guarantor,housing,1,2651.82,0.289,12,284.81,current,not_applicable,low_burden
Ethiopia,2025,urban,male,41,35-44,fourth,primary,employed_formal,70.76,10,none,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,male,21,18-24,middle,secondary,employed_informal,298.85,5,good,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,male,37,35-44,highest,primary,farmer,1161.04,8,none,1,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,28,25-34,second,secondary,self_employed,108.77,3,limited,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,rural,female,69,55+,second,none,self_employed,41.54,9,none,1,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,male,65,55+,second,none,employed_informal,109.23,4,limited,1,357,1,family_friends,3759.57,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2023,rural,male,23,18-24,lowest,primary,unemployed,20.59,1,none,0,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,47,45-54,lowest,secondary,employed_informal,208.5,1,none,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,18,18-24,highest,tertiary,employed_informal,554.56,4,good,1,564,1,commercial_bank,8487.32,guarantor,housing,1,7835.07,0.206,18,525.1,current,not_applicable,low_burden
Zambia,2024,urban,male,41,35-44,lowest,none,employed_informal,21.21,6,limited,0,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,female,26,25-34,lowest,tertiary,employed_informal,77.77,1,none,1,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,56,55+,second,secondary,self_employed,227.03,2,limited,0,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,21,18-24,second,none,employed_informal,137.22,4,limited,0,97,1,digital_lender,3453.24,equipment,agriculture,1,3296.2,0.445,6,793.69,late_60_days,not_applicable,low_burden
Mali,2022,rural,male,64,55+,middle,none,self_employed,105.49,8,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,male,30,25-34,lowest,primary,self_employed,55.9,6,limited,0,621,1,microfinance,1807.94,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
DRC,2019,rural,female,31,25-34,fourth,none,employed_formal,269.76,4,excellent,0,176,1,family_friends,2109.91,vehicle,housing,1,2041.75,0.08,6,367.45,current,not_applicable,low_burden
Ghana,2019,urban,male,64,55+,fourth,secondary,unemployed,361.61,1,none,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,64,55+,lowest,secondary,self_employed,24.94,1,good,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,22,18-24,fourth,primary,employed_informal,314.5,4,limited,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,female,23,18-24,second,secondary,employed_formal,47.69,6,none,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,rural,male,62,55+,second,primary,self_employed,235.72,2,limited,0,151,1,sacco,6995.55,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2022,urban,female,68,55+,highest,tertiary,farmer,2096.64,5,none,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,43,35-44,highest,secondary,farmer,329.01,6,good,1,226,1,digital_lender,7479.83,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2025,rural,female,26,25-34,second,primary,farmer,73.45,7,limited,0,183,1,family_friends,5069.63,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Nigeria,2021,rural,female,25,18-24,middle,secondary,employed_informal,148.74,10,none,1,0,1,microfinance,1941.38,none,business,1,1865.83,0.367,6,425.06,current,not_applicable,low_burden
Nigeria,2019,urban,female,31,25-34,second,primary,unemployed,177.02,3,none,1,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,female,53,45-54,middle,tertiary,employed_informal,357.13,10,none,0,671,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,23,18-24,fourth,primary,employed_informal,680.25,10,limited,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,51,45-54,lowest,tertiary,self_employed,81.95,9,excellent,1,778,1,digital_lender,3149.87,equipment,agriculture,1,2725.74,0.44,12,327.12,current,not_applicable,low_burden
Ethiopia,2021,rural,male,59,55+,highest,tertiary,employed_formal,1970.46,7,good,0,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,25,18-24,fourth,secondary,self_employed,343.98,1,good,1,187,1,commercial_bank,3417.41,none,business,1,2735.54,0.186,12,270.26,current,not_applicable,low_burden
Ghana,2021,rural,male,69,55+,lowest,secondary,employed_informal,24.21,1,limited,0,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,69,55+,highest,secondary,farmer,215.27,9,none,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,33,25-34,fourth,none,farmer,1545.91,9,limited,0,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,23,18-24,second,tertiary,self_employed,173.31,4,none,0,457,1,microfinance,4051.37,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Tanzania,2018,urban,female,34,25-34,middle,primary,self_employed,344.75,8,none,0,310,1,informal_lender,29640.52,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2019,urban,male,31,25-34,highest,tertiary,employed_informal,1356.45,5,none,1,182,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,male,32,25-34,highest,secondary,farmer,1108.21,1,good,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,66,55+,second,none,self_employed,245.07,7,limited,0,347,1,family_friends,7777.92,guarantor,business,1,7199.45,0.097,36,219.44,late_60_days,not_applicable,low_burden
Uganda,2024,urban,male,26,25-34,middle,primary,self_employed,229.87,1,none,1,415,1,commercial_bank,2801.65,guarantor,education,1,2772.28,0.147,12,264.9,paid_off,not_applicable,low_burden
Kenya,2023,rural,female,34,25-34,highest,primary,employed_formal,1389.86,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,female,58,55+,highest,none,employed_informal,686.02,5,good,0,491,1,family_friends,5860.43,savings,business,1,5728.6,0.005,18,319.98,late_30_days,not_applicable,low_burden
Niger,2020,urban,female,20,18-24,lowest,secondary,self_employed,47.75,1,limited,1,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,21,18-24,middle,none,farmer,91.35,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,female,33,25-34,highest,tertiary,farmer,562.23,8,none,0,812,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,male,68,55+,lowest,primary,unemployed,146.29,2,none,0,422,1,sacco,2964.05,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2020,urban,male,61,55+,second,primary,self_employed,131.39,1,limited,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,male,66,55+,middle,primary,self_employed,113.67,3,limited,0,30,1,family_friends,3589.58,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2018,rural,male,62,55+,middle,none,farmer,244.13,10,none,0,708,1,microfinance,1809.77,none,education,1,1449.54,0.317,24,79.54,defaulted,not_applicable,low_burden
Mali,2024,rural,female,24,18-24,fourth,secondary,employed_informal,209.05,10,none,1,0,1,microfinance,5155.23,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2025,rural,male,38,35-44,lowest,primary,self_employed,178.06,10,limited,1,155,1,microfinance,1117.81,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mozambique,2021,rural,male,45,35-44,fourth,secondary,farmer,699.62,6,good,1,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,female,26,25-34,second,secondary,employed_informal,49.83,5,none,0,187,1,informal_lender,882.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2025,rural,female,69,55+,fourth,primary,employed_informal,291.95,8,limited,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,male,49,45-54,second,primary,self_employed,106.66,10,excellent,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,62,55+,lowest,primary,self_employed,26.73,2,limited,1,478,1,commercial_bank,6277.25,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Kenya,2021,urban,male,31,25-34,highest,primary,employed_informal,952.57,9,none,1,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,female,55,45-54,fourth,secondary,employed_informal,584.69,7,limited,0,15,1,informal_lender,5152.65,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2022,urban,female,23,18-24,second,none,employed_informal,170.91,2,good,1,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,urban,female,19,18-24,second,primary,farmer,126.09,9,good,1,371,1,commercial_bank,8170.78,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2022,rural,female,51,45-54,middle,secondary,unemployed,42.69,1,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,21,18-24,highest,primary,unemployed,416.65,1,none,1,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,32,25-34,second,tertiary,farmer,266.29,4,none,1,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,59,55+,highest,secondary,employed_informal,259.55,6,none,0,613,1,microfinance,2845.89,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2025,urban,male,43,35-44,second,secondary,employed_formal,444.13,8,limited,0,772,1,microfinance,1624.65,none,consumption,1,1593.52,0.319,24,87.56,current,not_applicable,low_burden
Mozambique,2019,rural,male,37,35-44,fourth,secondary,self_employed,219.15,3,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,33,25-34,second,primary,self_employed,138.92,7,limited,1,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,52,45-54,lowest,none,farmer,67.96,5,limited,1,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,rural,male,67,55+,highest,secondary,employed_informal,291.46,2,limited,0,719,1,family_friends,2579.96,vehicle,education,1,2069.57,0.093,12,188.49,current,not_applicable,low_burden
Malawi,2024,rural,male,56,55+,lowest,primary,unemployed,81.98,5,none,0,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,male,36,35-44,highest,primary,employed_informal,651.78,4,none,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,female,39,35-44,lowest,secondary,self_employed,33.62,7,none,0,91,1,microfinance,10354.84,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2018,urban,female,23,18-24,second,secondary,farmer,34.3,4,good,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,female,25,18-24,highest,secondary,self_employed,1652.75,8,none,0,619,1,digital_lender,4156.88,none,agriculture,1,3767.3,0.446,24,226.91,current,not_applicable,low_burden
Senegal,2022,urban,female,31,25-34,middle,none,farmer,299.65,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,female,38,35-44,lowest,tertiary,farmer,194.98,3,none,1,197,1,commercial_bank,11988.61,none,agriculture,1,11635.32,0.174,36,379.57,current,not_applicable,low_burden
Zambia,2019,rural,male,69,55+,middle,none,farmer,308.73,1,limited,0,493,1,informal_lender,6099.8,savings,agriculture,1,5387.39,0.8,24,404.01,late_30_days,not_applicable,low_burden
Zambia,2020,urban,male,63,55+,lowest,tertiary,farmer,194.97,9,limited,0,600,1,digital_lender,4436.78,property,business,1,4156.24,0.445,12,500.33,paid_off,not_applicable,low_burden
Zambia,2019,rural,male,23,18-24,highest,primary,self_employed,447.38,8,excellent,0,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,male,35,25-34,lowest,tertiary,self_employed,23.05,7,none,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,female,20,18-24,middle,tertiary,farmer,341.11,7,none,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,urban,male,21,18-24,lowest,primary,self_employed,98.44,1,good,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,37,35-44,fourth,secondary,self_employed,237.9,5,none,1,0,1,commercial_bank,2852.27,equipment,agriculture,1,2414.45,0.22,24,122.72,current,not_applicable,low_burden
Senegal,2020,rural,female,67,55+,highest,none,self_employed,1116.79,9,none,1,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,27,25-34,fourth,none,employed_informal,610.34,3,good,1,639,1,family_friends,3790.07,vehicle,agriculture,1,3767.42,0.062,24,166.67,paid_off,not_applicable,low_burden
DRC,2021,rural,male,53,45-54,second,primary,self_employed,189.72,1,limited,0,701,1,employer,5729.58,guarantor,business,1,4634.18,0.08,12,416.93,current,not_applicable,low_burden
South Africa,2020,rural,male,38,35-44,lowest,secondary,unemployed,29.45,5,none,0,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,46,45-54,lowest,none,employed_informal,119.42,1,excellent,0,646,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,male,63,55+,highest,secondary,employed_informal,661.87,7,none,1,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,male,61,55+,lowest,tertiary,employed_informal,128.73,9,none,1,0,1,commercial_bank,7726.1,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2019,rural,male,61,55+,middle,tertiary,self_employed,393.9,8,none,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,39,35-44,second,primary,employed_informal,196.12,1,none,1,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,male,20,18-24,highest,secondary,farmer,614.33,9,none,0,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,rural,male,69,55+,middle,none,employed_informal,328.66,1,good,0,158,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,69,55+,middle,primary,employed_informal,435.23,9,excellent,1,850,1,digital_lender,6397.4,none,business,1,5926.9,0.415,18,466.07,current,not_applicable,low_burden
South Africa,2023,rural,female,62,55+,highest,tertiary,employed_formal,1015.39,4,limited,0,494,1,family_friends,12431.08,none,business,1,10031.32,0.088,6,1818.34,current,not_applicable,low_burden
Niger,2019,urban,male,42,35-44,highest,tertiary,employed_formal,1141.54,8,good,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,male,32,25-34,middle,primary,farmer,491.08,9,none,1,125,1,family_friends,4622.6,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2018,rural,male,27,25-34,fourth,primary,unemployed,228.22,1,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,37,35-44,middle,primary,farmer,577.15,1,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,rural,male,35,25-34,second,primary,farmer,37.38,1,limited,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,female,32,25-34,lowest,none,employed_formal,61.71,7,none,0,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,67,55+,fourth,none,unemployed,248.18,1,none,1,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,female,52,45-54,fourth,primary,self_employed,314.09,3,excellent,0,534,1,sacco,18390.83,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2022,rural,male,29,25-34,lowest,primary,farmer,74.59,5,none,0,181,1,family_friends,3254.75,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2023,urban,female,51,45-54,lowest,secondary,self_employed,40.87,4,limited,0,784,1,digital_lender,7543.12,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2021,rural,female,54,45-54,fourth,secondary,employed_informal,1487.23,6,none,0,582,1,informal_lender,5206.29,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Rwanda,2025,urban,female,45,35-44,lowest,secondary,employed_informal,34.88,3,limited,0,491,1,informal_lender,2037.84,none,asset_purchase,1,1647.31,0.847,12,253.55,current,not_applicable,low_burden
Rwanda,2025,rural,male,67,55+,fourth,primary,employed_formal,169.43,7,limited,0,9,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,68,55+,fourth,secondary,self_employed,158.59,9,none,0,229,1,family_friends,7234.06,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2025,rural,female,40,35-44,second,none,self_employed,139.39,8,none,1,731,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,42,35-44,second,tertiary,unemployed,246.78,4,limited,1,836,1,family_friends,4938.58,none,business,1,4217.87,0.096,6,770.24,late_60_days,not_applicable,low_burden
South Africa,2018,urban,female,29,25-34,second,none,employed_formal,261.52,7,limited,0,572,1,microfinance,6332.09,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2021,urban,female,58,55+,second,tertiary,self_employed,507.23,9,none,0,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,66,55+,middle,none,self_employed,167.21,4,none,0,631,1,sacco,2160.33,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2024,rural,female,52,45-54,fourth,secondary,employed_formal,522.92,10,none,0,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,female,28,25-34,highest,none,employed_informal,536.92,8,none,0,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,female,44,35-44,lowest,secondary,self_employed,105.42,4,good,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,urban,male,59,55+,fourth,secondary,self_employed,1068.91,7,none,0,175,1,informal_lender,6383.32,property,agriculture,1,5126.05,0.848,6,1579.06,late_60_days,not_applicable,low_burden
Nigeria,2024,rural,male,20,18-24,second,none,employed_informal,37.1,2,limited,0,569,1,digital_lender,1268.44,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2018,rural,female,48,45-54,fourth,secondary,employed_formal,1328.79,7,limited,0,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,52,45-54,lowest,none,employed_informal,81.18,6,good,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,urban,male,45,35-44,middle,secondary,farmer,96.9,7,none,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,urban,male,51,45-54,middle,primary,farmer,183.7,4,limited,0,534,1,informal_lender,3830.66,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mali,2021,urban,female,64,55+,second,secondary,employed_informal,194.4,8,limited,1,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,24,18-24,highest,tertiary,self_employed,609.82,7,none,0,211,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,male,47,45-54,lowest,primary,unemployed,21.43,5,none,0,499,1,family_friends,1549.56,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2018,rural,male,59,55+,lowest,secondary,employed_informal,64.46,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,male,60,55+,middle,tertiary,employed_informal,120.67,6,none,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,urban,male,42,35-44,middle,secondary,employed_formal,470.65,10,none,1,335,1,digital_lender,4271.32,equipment,agriculture,1,3594.18,0.47,6,880.41,late_30_days,not_applicable,low_burden
Niger,2022,rural,female,69,55+,second,primary,employed_informal,57.42,5,limited,0,778,1,family_friends,3718.59,guarantor,housing,1,3089.37,0.067,36,91.58,late_30_days,not_applicable,low_burden
Nigeria,2024,rural,female,34,25-34,second,primary,farmer,590.75,3,none,1,602,1,commercial_bank,3390.51,property,housing,1,3330.78,0.137,12,315.52,late_30_days,not_applicable,low_burden
Mali,2023,rural,female,40,35-44,lowest,primary,farmer,86.3,6,none,0,681,1,commercial_bank,822.91,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2025,rural,female,60,55+,highest,primary,self_employed,762.1,5,none,0,7,1,family_friends,5047.35,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2020,urban,male,40,35-44,middle,primary,employed_informal,461.51,5,none,1,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,rural,male,35,25-34,lowest,secondary,farmer,16.83,10,limited,0,440,1,informal_lender,5758.54,savings,emergency,1,4654.57,0.778,6,1379.53,current,not_applicable,low_burden
South Africa,2019,rural,male,46,45-54,second,secondary,employed_informal,85.67,5,none,0,494,1,informal_lender,4045.53,guarantor,education,1,3731.44,0.829,24,284.32,paid_off,not_applicable,low_burden
Ghana,2021,rural,male,50,45-54,highest,secondary,employed_informal,2313.3,3,none,0,796,1,microfinance,6671.56,none,agriculture,1,6231.96,0.306,18,452.2,current,not_applicable,low_burden
Mozambique,2023,urban,female,68,55+,highest,none,employed_formal,791.73,4,limited,1,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,male,50,45-54,lowest,none,farmer,86.0,2,limited,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,27,25-34,middle,secondary,farmer,215.24,6,limited,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2019,rural,male,20,18-24,lowest,secondary,self_employed,167.92,3,none,0,0,1,family_friends,5081.66,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2018,rural,male,68,55+,lowest,tertiary,farmer,50.76,2,none,1,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,urban,male,39,35-44,highest,secondary,employed_informal,412.42,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,female,28,25-34,highest,primary,self_employed,4037.93,3,none,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,29,25-34,lowest,secondary,farmer,34.32,6,none,0,0,1,microfinance,1919.71,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2021,urban,female,23,18-24,highest,secondary,unemployed,925.33,1,limited,0,638,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,male,28,25-34,fourth,none,self_employed,182.92,10,good,1,393,1,digital_lender,5079.61,equipment,business,1,4897.78,0.462,18,397.82,late_30_days,not_applicable,low_burden
South Africa,2024,rural,female,58,55+,fourth,secondary,employed_informal,201.78,10,good,0,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,52,45-54,fourth,primary,unemployed,157.03,5,none,1,101,1,commercial_bank,6426.34,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ethiopia,2022,rural,male,49,45-54,middle,primary,self_employed,137.05,2,excellent,0,613,1,microfinance,4030.93,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2019,rural,male,18,18-24,highest,none,employed_informal,1322.32,8,none,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,male,52,45-54,lowest,secondary,employed_formal,15.91,4,good,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,male,68,55+,middle,secondary,employed_formal,721.18,10,none,0,0,1,digital_lender,7478.92,vehicle,business,1,6532.65,0.459,36,264.69,late_60_days,not_applicable,low_burden
Kenya,2022,rural,female,66,55+,second,primary,self_employed,259.87,8,excellent,0,370,1,sacco,11295.09,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Malawi,2019,rural,male,38,35-44,fourth,secondary,self_employed,470.91,3,good,1,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,female,49,45-54,lowest,secondary,employed_informal,98.16,5,good,0,529,1,employer,4346.46,guarantor,agriculture,1,3635.05,0.058,18,213.67,current,not_applicable,low_burden
Malawi,2019,urban,female,33,25-34,second,primary,employed_informal,219.63,10,limited,0,631,1,informal_lender,4866.42,guarantor,business,1,4011.68,0.787,18,398.28,current,not_applicable,low_burden
Niger,2020,urban,male,64,55+,fourth,none,self_employed,1332.36,2,none,0,409,1,informal_lender,9119.03,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2023,urban,female,65,55+,second,primary,self_employed,53.32,6,limited,1,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,29,25-34,lowest,none,employed_informal,100.23,4,none,1,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,43,35-44,second,tertiary,employed_informal,107.34,2,limited,1,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,30,25-34,fourth,secondary,farmer,587.77,7,none,1,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,urban,male,49,45-54,second,none,unemployed,117.78,6,none,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,male,33,25-34,second,secondary,self_employed,296.82,6,none,1,260,1,commercial_bank,3476.1,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ethiopia,2025,urban,female,54,45-54,middle,primary,farmer,100.92,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,69,55+,highest,none,farmer,302.93,6,none,0,331,1,informal_lender,2330.9,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2022,rural,female,63,55+,fourth,primary,employed_formal,304.65,5,limited,1,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,urban,male,27,25-34,lowest,none,unemployed,245.47,1,none,0,0,1,microfinance,6766.57,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2023,urban,female,24,18-24,highest,primary,self_employed,1441.9,8,none,1,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,urban,male,60,55+,fourth,primary,self_employed,712.44,6,limited,1,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2020,urban,female,22,18-24,fourth,primary,self_employed,898.25,3,none,0,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2020,rural,female,38,35-44,middle,primary,employed_informal,151.48,1,limited,0,271,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,69,55+,lowest,secondary,farmer,92.37,2,none,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,male,41,35-44,fourth,primary,farmer,327.85,6,excellent,0,792,1,informal_lender,10924.87,guarantor,emergency,1,9051.32,0.838,12,1386.72,current,not_applicable,low_burden
South Africa,2020,rural,female,18,18-24,middle,primary,employed_formal,160.53,6,none,1,0,1,employer,4940.37,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2020,rural,female,68,55+,second,primary,self_employed,106.21,8,none,1,452,1,commercial_bank,4555.48,guarantor,housing,1,4121.81,0.155,18,264.46,current,not_applicable,low_burden
Kenya,2025,rural,male,54,45-54,lowest,tertiary,unemployed,41.12,2,good,0,810,1,family_friends,1310.99,none,debt_consolidation,1,1205.28,0.077,24,54.09,late_30_days,not_applicable,low_burden
Ghana,2022,rural,female,35,25-34,lowest,none,unemployed,57.52,1,good,1,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,49,45-54,middle,secondary,self_employed,249.67,3,limited,0,647,1,employer,3186.06,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2019,rural,female,49,45-54,lowest,primary,employed_informal,36.71,1,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,46,45-54,middle,primary,employed_informal,181.25,1,none,1,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,rural,female,67,55+,fourth,secondary,employed_informal,367.6,8,limited,0,586,1,employer,2463.67,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2021,rural,male,58,55+,second,secondary,farmer,56.17,4,none,0,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,31,25-34,lowest,tertiary,farmer,80.68,9,none,1,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,female,69,55+,lowest,primary,unemployed,63.61,1,limited,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,rural,male,68,55+,second,primary,employed_formal,139.36,7,none,0,604,1,family_friends,3110.63,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ethiopia,2023,rural,female,20,18-24,fourth,secondary,unemployed,206.98,2,good,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,rural,male,33,25-34,middle,primary,unemployed,417.24,1,none,0,161,1,family_friends,10086.51,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mali,2022,rural,female,49,45-54,highest,secondary,farmer,1296.73,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,63,55+,highest,secondary,unemployed,318.54,1,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,55,45-54,lowest,primary,self_employed,86.99,1,excellent,1,314,1,microfinance,1972.49,equipment,agriculture,1,1889.02,0.273,12,200.32,paid_off,not_applicable,low_burden
Ghana,2019,rural,male,47,45-54,fourth,secondary,employed_informal,907.51,9,good,0,409,1,informal_lender,7292.01,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2023,urban,male,33,25-34,second,none,employed_informal,93.19,3,none,0,30,1,family_friends,4694.69,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2025,rural,male,23,18-24,middle,none,employed_formal,108.86,5,none,1,441,1,commercial_bank,6762.58,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2023,rural,male,64,55+,second,tertiary,employed_formal,202.93,6,none,0,0,1,digital_lender,1561.65,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2019,rural,female,45,35-44,second,none,farmer,48.58,5,limited,1,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,41,35-44,fourth,primary,employed_informal,285.45,5,none,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,68,55+,middle,secondary,employed_formal,98.3,10,limited,0,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,female,26,25-34,second,primary,employed_formal,204.7,10,good,1,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,31,25-34,lowest,none,farmer,37.1,3,none,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,male,62,55+,middle,primary,unemployed,244.47,1,limited,1,498,1,microfinance,3394.35,property,housing,1,3261.6,0.354,6,735.95,current,not_applicable,low_burden
Zambia,2022,rural,male,32,25-34,fourth,primary,self_employed,195.29,2,good,0,233,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,male,67,55+,middle,primary,farmer,666.66,2,good,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,female,62,55+,lowest,secondary,unemployed,49.24,1,none,0,425,1,microfinance,1538.22,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Niger,2021,rural,female,23,18-24,second,primary,farmer,45.29,1,none,0,685,1,informal_lender,1369.94,savings,agriculture,1,1326.86,0.826,12,201.88,defaulted,not_applicable,low_burden
Nigeria,2021,rural,male,41,35-44,fourth,tertiary,farmer,119.77,5,limited,1,40,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,male,57,55+,fourth,primary,self_employed,799.41,7,none,1,222,1,digital_lender,5761.1,guarantor,emergency,1,4792.87,0.498,12,598.27,current,not_applicable,low_burden
Nigeria,2020,rural,male,43,35-44,lowest,primary,unemployed,102.97,5,limited,1,160,1,sacco,996.01,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2018,rural,male,29,25-34,middle,tertiary,employed_informal,479.29,4,excellent,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,female,20,18-24,second,secondary,farmer,74.86,3,limited,0,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,male,18,18-24,middle,primary,self_employed,253.78,7,none,0,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,27,25-34,lowest,primary,employed_informal,329.45,7,none,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,male,31,25-34,middle,secondary,farmer,161.85,7,good,0,452,1,informal_lender,3075.4,equipment,business,1,2918.75,0.762,12,428.59,late_60_days,not_applicable,low_burden
Uganda,2020,urban,male,33,25-34,highest,none,farmer,667.76,2,none,1,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,rural,male,62,55+,second,primary,farmer,119.54,1,none,0,363,1,informal_lender,3471.67,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
South Africa,2022,rural,male,44,35-44,second,secondary,unemployed,175.79,2,limited,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,male,25,18-24,lowest,secondary,farmer,86.28,5,limited,1,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,22,18-24,lowest,secondary,self_employed,39.18,3,none,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,urban,female,24,18-24,highest,primary,unemployed,657.73,6,limited,0,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,urban,female,34,25-34,highest,tertiary,employed_informal,804.96,2,limited,0,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,male,56,55+,lowest,none,employed_formal,53.91,6,none,0,638,1,commercial_bank,1327.41,savings,housing,1,1081.23,0.21,24,54.53,defaulted,not_applicable,low_burden
Malawi,2018,rural,female,20,18-24,highest,secondary,self_employed,279.77,8,none,1,745,1,commercial_bank,3571.0,none,agriculture,1,3485.7,0.161,24,168.61,late_30_days,not_applicable,low_burden
Zambia,2024,rural,male,39,35-44,lowest,none,self_employed,213.55,6,limited,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,41,35-44,middle,secondary,farmer,150.43,3,none,1,567,1,commercial_bank,3768.31,none,agriculture,1,3410.59,0.155,12,328.21,current,not_applicable,low_burden
Ghana,2019,urban,female,25,18-24,fourth,secondary,farmer,384.96,6,excellent,0,370,1,family_friends,5818.49,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Nigeria,2021,rural,male,21,18-24,second,primary,employed_formal,97.02,8,none,1,159,1,informal_lender,1173.85,none,agriculture,1,1089.69,0.771,12,160.77,late_30_days,not_applicable,low_burden
Nigeria,2018,urban,male,29,25-34,middle,secondary,farmer,282.02,3,limited,1,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,female,25,18-24,middle,tertiary,self_employed,404.5,7,limited,1,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,male,59,55+,lowest,primary,unemployed,64.89,4,limited,0,522,1,informal_lender,4064.12,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2020,rural,male,65,55+,highest,none,employed_informal,1474.19,1,none,1,816,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,female,50,45-54,lowest,none,self_employed,136.56,1,limited,1,844,1,microfinance,5534.88,none,business,1,5113.99,0.342,12,571.85,late_30_days,not_applicable,low_burden
Nigeria,2019,rural,female,57,55+,lowest,secondary,farmer,52.7,10,excellent,1,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,57,55+,highest,secondary,self_employed,416.53,3,none,0,349,1,employer,3579.17,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Ghana,2020,rural,female,63,55+,second,primary,employed_informal,259.24,1,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,23,18-24,second,primary,employed_formal,161.56,9,none,1,55,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,female,69,55+,second,secondary,employed_formal,50.83,7,none,0,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,female,41,35-44,lowest,primary,self_employed,123.11,10,none,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,female,46,45-54,second,none,self_employed,72.96,10,good,0,232,1,microfinance,7652.42,none,emergency,1,6975.91,0.364,18,528.71,paid_off,not_applicable,low_burden
Ghana,2020,rural,female,59,55+,second,primary,self_employed,222.8,1,excellent,1,560,1,commercial_bank,5723.89,property,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2025,rural,female,43,35-44,middle,secondary,farmer,34.41,2,excellent,1,559,1,sacco,2510.31,none,business,1,2271.01,0.335,6,505.38,current,not_applicable,low_burden
Tanzania,2019,rural,female,31,25-34,second,tertiary,employed_formal,93.71,10,none,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,female,18,18-24,highest,secondary,employed_informal,1495.62,4,limited,1,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,female,26,25-34,highest,primary,farmer,666.41,1,none,0,36,1,informal_lender,10155.9,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2022,urban,male,22,18-24,second,secondary,farmer,275.07,5,none,1,283,1,employer,2548.01,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2019,rural,female,37,35-44,highest,primary,farmer,353.18,7,limited,1,385,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,male,58,55+,highest,tertiary,farmer,1263.59,10,none,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,male,35,25-34,highest,primary,unemployed,993.21,1,none,1,840,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,49,45-54,fourth,tertiary,unemployed,583.27,4,good,1,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,27,25-34,lowest,tertiary,self_employed,374.58,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,female,48,45-54,lowest,tertiary,employed_informal,223.97,7,good,1,850,1,informal_lender,3529.6,none,asset_purchase,1,3474.61,0.777,36,171.47,paid_off,not_applicable,low_burden
Ghana,2019,rural,male,67,55+,highest,none,employed_formal,1155.99,10,none,0,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,male,34,25-34,middle,secondary,self_employed,524.03,9,good,0,281,1,family_friends,8871.07,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2021,urban,male,43,35-44,highest,secondary,self_employed,524.22,7,none,0,701,1,family_friends,3795.09,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2023,rural,male,68,55+,fourth,primary,employed_informal,237.09,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,49,45-54,lowest,primary,employed_informal,20.6,2,limited,1,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,38,35-44,second,secondary,unemployed,49.88,4,limited,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,urban,male,24,18-24,highest,tertiary,employed_formal,532.59,10,none,0,486,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,urban,male,66,55+,lowest,secondary,farmer,88.05,10,good,0,251,1,family_friends,2437.75,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2019,urban,male,49,45-54,fourth,primary,unemployed,208.68,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,20,18-24,highest,secondary,farmer,963.81,5,good,1,570,1,digital_lender,11203.66,none,consumption,1,9743.54,0.44,6,2338.42,current,not_applicable,low_burden
Rwanda,2025,rural,female,46,45-54,lowest,primary,employed_formal,54.08,10,none,1,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,male,68,55+,second,primary,farmer,54.84,1,limited,1,782,1,microfinance,3009.38,property,business,1,2876.24,0.294,24,155.09,late_60_days,not_applicable,low_burden
Mali,2025,urban,male,66,55+,middle,secondary,farmer,868.03,7,good,1,717,1,sacco,7586.44,equipment,housing,1,6618.34,0.277,12,704.29,late_30_days,not_applicable,low_burden
Nigeria,2019,rural,female,28,25-34,fourth,secondary,employed_informal,130.47,3,limited,0,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,39,35-44,middle,secondary,self_employed,437.22,9,good,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,69,55+,lowest,secondary,employed_informal,18.55,7,limited,1,667,1,family_friends,1704.94,savings,business,1,1379.6,0.077,24,61.89,current,not_applicable,low_burden
Mozambique,2019,rural,female,58,55+,lowest,primary,farmer,54.53,4,none,1,225,1,commercial_bank,2244.97,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2020,urban,female,47,45-54,second,secondary,unemployed,78.26,1,limited,1,224,1,sacco,4795.07,none,housing,1,4198.57,0.28,12,448.0,current,not_applicable,low_burden
DRC,2021,rural,female,33,25-34,second,none,self_employed,76.72,7,limited,0,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,male,57,55+,lowest,tertiary,unemployed,319.07,2,none,0,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,48,45-54,fourth,tertiary,self_employed,258.64,7,none,1,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,male,45,35-44,lowest,tertiary,farmer,41.48,1,none,0,65,1,digital_lender,7849.69,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2019,rural,male,66,55+,fourth,tertiary,farmer,463.9,5,none,0,729,1,family_friends,6953.06,guarantor,housing,1,5772.27,0.065,24,256.13,late_60_days,not_applicable,low_burden
Zambia,2025,rural,male,37,35-44,highest,secondary,employed_formal,517.65,10,excellent,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2021,rural,male,50,45-54,middle,primary,unemployed,222.25,6,excellent,0,510,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,female,20,18-24,middle,secondary,unemployed,157.31,1,limited,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,54,45-54,lowest,primary,self_employed,32.87,3,none,1,0,1,sacco,4415.5,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2025,rural,female,46,45-54,middle,secondary,farmer,115.23,8,none,0,516,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,urban,male,63,55+,second,primary,employed_informal,316.47,3,none,0,666,1,digital_lender,3853.49,vehicle,education,1,3422.35,0.443,36,137.16,late_30_days,not_applicable,low_burden
Uganda,2024,rural,male,35,25-34,lowest,tertiary,employed_formal,51.39,10,none,1,102,1,digital_lender,1618.39,none,education,1,1321.26,0.407,36,51.65,late_30_days,not_applicable,low_burden
Rwanda,2022,urban,male,66,55+,middle,secondary,employed_informal,143.24,7,good,0,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,female,47,45-54,lowest,secondary,self_employed,100.64,10,limited,0,809,1,informal_lender,1978.88,none,business,1,1893.96,0.78,24,140.48,defaulted,not_applicable,low_burden
Mali,2020,rural,female,28,25-34,second,primary,employed_formal,128.25,5,limited,0,571,1,microfinance,2014.83,none,business,1,1849.96,0.278,12,196.95,paid_off,not_applicable,low_burden
Rwanda,2018,urban,female,26,25-34,middle,secondary,employed_informal,445.79,1,none,0,284,1,informal_lender,4814.17,vehicle,business,1,3887.79,0.813,12,587.36,current,not_applicable,low_burden
Uganda,2020,rural,male,28,25-34,second,tertiary,unemployed,86.58,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,male,33,25-34,lowest,primary,self_employed,85.12,3,none,0,241,1,commercial_bank,5057.12,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2024,urban,female,46,45-54,lowest,primary,farmer,120.72,4,none,1,470,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,male,63,55+,second,none,employed_informal,89.28,3,none,1,555,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,male,69,55+,middle,secondary,employed_formal,554.84,8,none,0,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,53,45-54,middle,secondary,farmer,202.32,9,limited,1,267,1,informal_lender,7648.56,none,business,1,7106.31,0.817,36,358.62,current,not_applicable,low_burden
Niger,2020,rural,male,43,35-44,lowest,secondary,employed_informal,27.87,7,limited,1,604,1,family_friends,1413.69,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2025,rural,male,49,45-54,middle,none,self_employed,92.06,1,limited,1,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,urban,male,35,25-34,highest,none,unemployed,924.02,5,none,0,411,1,microfinance,6324.47,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Kenya,2020,rural,female,30,25-34,middle,tertiary,employed_informal,136.07,5,excellent,1,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,female,45,35-44,middle,secondary,self_employed,506.0,7,limited,1,244,1,commercial_bank,6031.72,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2025,urban,male,61,55+,middle,none,self_employed,244.1,4,good,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,male,21,18-24,highest,none,employed_formal,820.94,4,none,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,female,23,18-24,highest,none,farmer,366.6,5,excellent,0,386,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,male,27,25-34,lowest,secondary,self_employed,59.28,4,limited,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2018,rural,female,28,25-34,lowest,secondary,employed_informal,151.29,1,limited,1,748,1,commercial_bank,4295.73,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2019,rural,male,25,18-24,lowest,secondary,self_employed,54.31,8,none,1,106,1,digital_lender,3539.65,guarantor,asset_purchase,1,3507.54,0.489,36,145.12,paid_off,not_applicable,low_burden
Nigeria,2025,urban,female,24,18-24,fourth,secondary,self_employed,334.03,9,none,1,340,1,commercial_bank,4027.15,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mali,2021,urban,female,19,18-24,lowest,tertiary,self_employed,49.09,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,36,35-44,highest,primary,unemployed,977.68,1,none,0,314,1,informal_lender,6966.26,vehicle,business,1,5661.19,0.779,12,839.09,current,not_applicable,low_burden
Tanzania,2021,rural,female,55,45-54,lowest,primary,farmer,161.55,7,limited,0,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,26,25-34,middle,primary,self_employed,77.0,6,limited,0,594,1,digital_lender,6438.83,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2019,rural,female,34,25-34,second,tertiary,unemployed,117.14,2,good,1,619,1,digital_lender,2853.23,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2024,urban,male,68,55+,middle,secondary,farmer,89.89,8,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,26,25-34,second,secondary,employed_formal,91.01,7,good,0,116,1,informal_lender,2161.63,savings,agriculture,1,1883.52,0.768,12,277.45,defaulted,not_applicable,low_burden
Tanzania,2022,rural,male,69,55+,fourth,secondary,employed_formal,396.33,6,none,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,44,35-44,middle,none,employed_informal,66.16,5,good,0,462,1,informal_lender,2555.77,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2020,rural,male,55,45-54,second,primary,employed_formal,88.85,10,none,0,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,urban,male,34,25-34,fourth,secondary,self_employed,602.86,5,none,1,240,1,microfinance,6787.46,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Zambia,2022,urban,female,34,25-34,highest,tertiary,employed_informal,1085.85,4,none,1,112,1,digital_lender,3250.27,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Senegal,2022,rural,male,38,35-44,fourth,none,unemployed,418.04,1,good,1,722,1,microfinance,4288.07,guarantor,debt_consolidation,1,4197.82,0.317,6,921.74,current,not_applicable,low_burden
DRC,2020,rural,female,24,18-24,fourth,primary,self_employed,166.68,6,limited,1,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,male,34,25-34,middle,tertiary,employed_informal,365.55,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,female,64,55+,highest,secondary,unemployed,650.87,1,none,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,18,18-24,middle,secondary,self_employed,491.83,7,limited,0,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,47,45-54,highest,primary,employed_formal,131.74,8,none,1,455,1,microfinance,4545.79,none,agriculture,1,3667.03,0.351,12,412.98,current,not_applicable,low_burden
Mozambique,2022,urban,female,53,45-54,fourth,primary,employed_formal,401.65,9,none,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,urban,male,25,18-24,lowest,primary,farmer,96.31,3,limited,0,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,male,23,18-24,lowest,primary,self_employed,154.92,3,none,1,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,46,45-54,fourth,secondary,self_employed,350.4,9,none,1,0,1,commercial_bank,17362.66,equipment,business,1,17079.98,0.187,12,1688.9,late_60_days,not_applicable,low_burden
Mali,2022,urban,female,29,25-34,fourth,secondary,farmer,561.22,9,none,1,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2019,urban,male,68,55+,middle,secondary,farmer,388.06,2,limited,1,311,1,commercial_bank,3955.14,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2024,urban,male,27,25-34,highest,none,farmer,2381.48,3,limited,1,749,1,microfinance,17745.64,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2025,urban,male,24,18-24,middle,primary,farmer,228.38,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,urban,male,35,25-34,second,secondary,farmer,67.77,8,limited,1,563,1,sacco,3024.34,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2020,urban,female,35,25-34,middle,none,employed_informal,97.72,1,none,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,26,25-34,lowest,none,self_employed,95.9,8,none,0,232,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,rural,female,52,45-54,middle,primary,self_employed,233.82,1,none,0,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,36,35-44,highest,primary,self_employed,554.95,9,none,0,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,female,45,35-44,lowest,none,self_employed,59.62,1,limited,1,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,30,25-34,fourth,primary,self_employed,558.3,9,none,1,0,1,digital_lender,12597.98,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2018,rural,male,23,18-24,fourth,tertiary,self_employed,381.89,10,excellent,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,female,21,18-24,lowest,none,self_employed,84.28,8,excellent,0,315,1,employer,2042.02,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2023,rural,female,20,18-24,fourth,secondary,self_employed,151.75,10,none,0,237,1,sacco,7244.86,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2025,urban,female,63,55+,fourth,secondary,unemployed,143.07,1,limited,0,474,1,informal_lender,8467.23,guarantor,business,1,8448.18,0.844,24,649.24,late_60_days,not_applicable,low_burden
Nigeria,2018,urban,male,31,25-34,middle,secondary,self_employed,157.41,7,limited,1,82,1,digital_lender,9022.23,guarantor,education,1,7921.47,0.409,12,930.03,current,not_applicable,low_burden
South Africa,2019,rural,male,33,25-34,lowest,secondary,farmer,23.4,7,none,0,661,1,digital_lender,4225.13,none,asset_purchase,1,3773.04,0.472,12,462.8,current,not_applicable,low_burden
Ethiopia,2021,rural,female,48,45-54,second,none,self_employed,45.43,1,none,1,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2022,urban,male,22,18-24,middle,none,self_employed,895.28,9,excellent,0,671,1,informal_lender,8505.16,guarantor,asset_purchase,1,8485.04,0.816,6,2568.58,late_60_days,not_applicable,low_burden
Ethiopia,2025,rural,female,49,45-54,lowest,secondary,farmer,12.32,8,none,0,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,male,45,35-44,second,tertiary,unemployed,168.53,1,limited,1,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,female,59,55+,highest,primary,farmer,1252.9,3,limited,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,urban,male,24,18-24,fourth,primary,unemployed,981.95,3,none,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,male,18,18-24,fourth,tertiary,self_employed,400.37,10,limited,1,540,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,58,55+,highest,secondary,unemployed,1672.8,1,good,0,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,female,37,35-44,lowest,secondary,unemployed,313.15,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,female,21,18-24,lowest,secondary,farmer,48.75,6,none,1,121,1,microfinance,3389.37,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2019,rural,female,46,45-54,middle,tertiary,farmer,273.57,8,none,1,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,female,42,35-44,second,secondary,farmer,296.3,2,good,1,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,urban,female,67,55+,lowest,secondary,self_employed,49.15,2,limited,1,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,67,55+,fourth,secondary,self_employed,277.79,7,limited,0,705,1,digital_lender,3696.17,none,housing,1,3001.21,0.424,6,712.46,late_30_days,not_applicable,low_burden
Uganda,2025,rural,female,46,45-54,lowest,primary,self_employed,38.87,3,good,0,462,1,microfinance,575.42,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2023,urban,female,26,25-34,middle,tertiary,farmer,411.99,4,excellent,1,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,female,56,55+,middle,tertiary,employed_informal,79.02,7,none,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,male,28,25-34,middle,secondary,farmer,815.63,3,good,1,574,1,commercial_bank,8520.29,none,housing,1,7358.36,0.151,24,352.83,current,not_applicable,low_burden
Rwanda,2019,urban,female,61,55+,second,primary,self_employed,262.95,4,none,0,55,1,sacco,4223.08,guarantor,business,1,3432.07,0.308,12,374.15,current,not_applicable,low_burden
Ethiopia,2024,rural,male,49,45-54,lowest,secondary,self_employed,91.04,4,none,1,513,1,family_friends,5438.87,guarantor,housing,1,5162.94,0.032,48,111.03,late_30_days,not_applicable,low_burden
Rwanda,2025,rural,male,36,35-44,highest,primary,employed_informal,126.98,4,none,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,68,55+,highest,secondary,employed_informal,478.29,8,none,1,514,1,commercial_bank,9904.23,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2022,rural,female,44,35-44,middle,none,self_employed,567.73,2,good,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,urban,male,38,35-44,lowest,secondary,self_employed,79.37,10,limited,0,298,1,microfinance,1528.39,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2025,rural,male,27,25-34,middle,tertiary,employed_formal,59.83,10,limited,0,560,1,informal_lender,10523.03,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2024,rural,female,51,45-54,second,none,employed_informal,141.66,1,none,1,425,1,family_friends,4590.22,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2025,rural,male,32,25-34,lowest,secondary,self_employed,96.9,6,none,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,25,18-24,lowest,tertiary,employed_informal,87.39,2,excellent,1,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,female,24,18-24,lowest,none,employed_informal,54.22,2,good,1,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,female,51,45-54,second,primary,farmer,400.7,8,limited,0,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,urban,female,65,55+,second,primary,farmer,110.71,3,none,1,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,rural,female,31,25-34,fourth,secondary,unemployed,481.25,2,none,0,357,1,microfinance,2739.39,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2024,urban,male,29,25-34,middle,primary,employed_formal,327.94,6,excellent,1,592,1,digital_lender,2556.73,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2025,urban,male,49,45-54,second,none,employed_informal,164.87,4,none,0,0,1,microfinance,1045.69,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2022,urban,female,25,18-24,lowest,primary,employed_formal,68.93,10,none,0,0,1,microfinance,4323.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
DRC,2021,rural,female,22,18-24,highest,primary,self_employed,522.07,7,limited,0,799,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,51,45-54,lowest,none,employed_formal,61.61,4,excellent,0,643,1,family_friends,1907.0,guarantor,housing,1,1773.97,0.033,6,305.57,late_30_days,not_applicable,low_burden
Kenya,2023,rural,male,45,35-44,lowest,secondary,employed_informal,49.08,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,male,19,18-24,middle,none,self_employed,334.11,6,good,0,806,1,family_friends,3090.72,vehicle,education,1,3006.31,0.072,24,134.31,late_60_days,not_applicable,low_burden
Ghana,2022,urban,male,30,25-34,fourth,secondary,self_employed,338.03,3,none,0,216,1,informal_lender,3493.5,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Mozambique,2023,urban,male,28,25-34,fourth,secondary,self_employed,1474.57,2,limited,0,563,1,microfinance,7730.75,savings,emergency,1,6478.76,0.279,6,1381.09,paid_off,not_applicable,low_burden
Niger,2024,rural,male,53,45-54,second,tertiary,self_employed,80.79,5,none,0,286,1,informal_lender,4111.99,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2019,rural,female,52,45-54,second,none,farmer,230.99,7,good,1,243,1,commercial_bank,1646.83,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Senegal,2021,urban,male,56,55+,second,secondary,self_employed,355.16,1,limited,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,female,23,18-24,middle,secondary,employed_informal,224.62,3,excellent,0,459,1,digital_lender,2299.1,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2024,rural,female,62,55+,second,secondary,self_employed,128.0,10,limited,0,131,1,family_friends,4617.28,none,agriculture,1,4197.2,0.075,18,250.63,late_30_days,not_applicable,low_burden
Zambia,2024,urban,female,28,25-34,second,none,employed_formal,108.64,5,good,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,69,55+,lowest,none,employed_formal,62.58,10,limited,0,698,1,informal_lender,1842.82,none,agriculture,1,1737.05,0.8,24,130.27,late_30_days,not_applicable,low_burden
Malawi,2024,urban,male,63,55+,highest,secondary,self_employed,1155.36,3,limited,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,41,35-44,lowest,primary,employed_informal,58.37,6,none,0,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,female,58,55+,second,tertiary,employed_formal,277.68,10,good,0,744,1,family_friends,6741.29,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2019,rural,male,52,45-54,highest,secondary,farmer,483.04,10,none,1,213,1,commercial_bank,4398.41,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mali,2022,rural,male,58,55+,fourth,secondary,farmer,250.25,7,limited,1,128,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,18,18-24,middle,tertiary,employed_informal,62.37,3,limited,0,83,1,family_friends,6761.91,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
DRC,2018,urban,female,22,18-24,middle,secondary,self_employed,468.15,1,good,0,166,1,employer,6635.43,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2024,rural,male,65,55+,lowest,none,unemployed,88.73,4,limited,1,787,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,58,55+,fourth,none,employed_informal,653.46,6,limited,0,766,1,family_friends,13959.14,none,debt_consolidation,1,11954.19,0.017,12,1013.51,current,not_applicable,low_burden
South Africa,2025,rural,male,50,45-54,second,secondary,farmer,250.07,8,limited,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,female,34,25-34,highest,primary,employed_informal,1720.86,10,limited,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,male,39,35-44,lowest,tertiary,unemployed,107.78,5,none,1,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,female,38,35-44,middle,none,employed_formal,306.55,9,good,0,546,1,microfinance,6746.06,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2022,urban,female,40,35-44,middle,primary,employed_informal,509.37,7,good,1,233,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,male,50,45-54,lowest,secondary,unemployed,24.75,3,limited,1,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,urban,male,57,55+,second,secondary,farmer,83.8,2,none,0,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,37,35-44,fourth,tertiary,employed_informal,136.19,4,none,0,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,female,61,55+,lowest,none,farmer,146.56,1,good,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,male,22,18-24,highest,primary,unemployed,572.63,1,good,0,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,rural,male,60,55+,second,secondary,self_employed,78.44,2,none,0,41,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,urban,male,53,45-54,middle,tertiary,employed_informal,299.76,9,excellent,0,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,male,44,35-44,middle,primary,employed_informal,83.74,9,none,0,540,1,microfinance,4177.3,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2021,urban,male,37,35-44,middle,secondary,unemployed,389.44,4,good,1,835,1,microfinance,3463.59,property,debt_consolidation,1,3387.16,0.337,18,251.58,late_30_days,not_applicable,low_burden
Ghana,2023,rural,male,37,35-44,middle,none,employed_informal,45.02,5,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,36,35-44,fourth,secondary,employed_informal,144.61,1,limited,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,female,67,55+,middle,none,employed_informal,342.92,6,excellent,1,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,rural,female,19,18-24,middle,tertiary,employed_formal,83.86,4,limited,1,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,female,50,45-54,middle,none,self_employed,496.56,1,none,1,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,69,55+,second,secondary,self_employed,125.3,2,good,1,334,1,microfinance,6977.89,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2019,rural,female,46,45-54,lowest,secondary,employed_formal,133.06,8,none,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,51,45-54,lowest,primary,employed_informal,77.39,8,none,1,0,1,informal_lender,3257.59,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2019,rural,female,49,45-54,middle,primary,employed_formal,198.34,8,none,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,male,44,35-44,highest,secondary,employed_formal,493.11,10,limited,0,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,female,50,45-54,lowest,secondary,employed_informal,115.44,6,limited,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,female,64,55+,middle,secondary,farmer,406.34,9,good,0,751,1,digital_lender,3121.88,none,consumption,1,2621.06,0.437,24,156.98,paid_off,not_applicable,low_burden
South Africa,2022,urban,female,55,45-54,second,secondary,employed_formal,778.66,7,good,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,male,62,55+,middle,none,employed_informal,532.83,4,good,0,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,urban,female,46,45-54,fourth,tertiary,self_employed,372.46,1,limited,0,538,1,informal_lender,1506.79,none,business,1,1241.06,0.763,12,182.36,current,not_applicable,low_burden
Uganda,2018,rural,male,58,55+,fourth,none,farmer,403.8,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,rural,male,63,55+,fourth,secondary,farmer,443.11,1,none,1,241,1,commercial_bank,6229.18,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Ethiopia,2019,rural,male,29,25-34,fourth,tertiary,unemployed,744.26,1,limited,1,775,1,family_friends,17410.42,guarantor,emergency,1,14906.75,0.059,18,876.83,current,not_applicable,low_burden
Mali,2020,urban,male,62,55+,lowest,tertiary,employed_informal,226.7,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,female,53,45-54,middle,none,employed_formal,178.56,9,none,1,527,1,commercial_bank,2313.53,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2025,rural,male,40,35-44,second,primary,employed_formal,51.8,10,none,1,725,1,family_friends,1389.57,none,agriculture,1,1333.34,0.032,18,76.44,current,not_applicable,low_burden
Uganda,2024,urban,male,58,55+,highest,secondary,employed_formal,270.6,7,none,0,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,female,26,25-34,fourth,primary,unemployed,148.51,3,excellent,0,247,1,family_friends,3064.96,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2022,rural,female,54,45-54,lowest,secondary,self_employed,39.81,6,limited,0,9,1,microfinance,4268.01,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Malawi,2019,urban,male,47,45-54,lowest,secondary,farmer,257.59,10,good,0,431,1,family_friends,1532.45,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Kenya,2024,rural,female,64,55+,second,primary,unemployed,351.42,4,limited,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,female,50,45-54,highest,primary,farmer,1300.4,6,limited,0,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2023,urban,male,45,35-44,lowest,secondary,self_employed,212.64,8,none,1,689,1,commercial_bank,2893.48,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2022,rural,female,45,35-44,middle,secondary,unemployed,121.89,3,excellent,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,female,46,45-54,second,primary,self_employed,42.0,10,none,0,127,1,sacco,1231.03,property,emergency,1,1160.65,0.298,24,62.79,late_60_days,not_applicable,low_burden
Mozambique,2021,rural,male,64,55+,middle,none,employed_formal,98.86,9,limited,0,3,1,informal_lender,4417.78,vehicle,education,1,4321.62,0.798,12,647.44,late_60_days,not_applicable,low_burden
DRC,2019,rural,female,58,55+,middle,primary,self_employed,48.13,9,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2024,rural,male,22,18-24,lowest,secondary,unemployed,27.62,1,good,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,female,45,35-44,fourth,secondary,farmer,231.4,2,good,0,657,1,family_friends,4057.68,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ethiopia,2021,rural,male,32,25-34,lowest,tertiary,self_employed,67.69,4,none,1,518,1,microfinance,2205.1,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2020,rural,male,26,25-34,fourth,tertiary,farmer,362.54,9,limited,1,680,1,commercial_bank,4745.33,none,education,1,4381.64,0.182,18,287.72,current,not_applicable,low_burden
Senegal,2020,rural,female,63,55+,lowest,secondary,self_employed,37.17,9,none,0,622,1,informal_lender,3436.99,savings,business,1,3380.73,0.82,36,170.94,late_60_days,not_applicable,low_burden
Uganda,2021,urban,female,62,55+,middle,tertiary,farmer,444.34,5,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,66,55+,second,primary,employed_informal,75.87,5,none,1,56,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,male,38,35-44,middle,secondary,employed_informal,201.41,5,good,0,332,1,informal_lender,8198.36,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2020,rural,male,40,35-44,second,secondary,employed_informal,55.78,3,excellent,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,58,55+,middle,secondary,unemployed,428.54,2,limited,0,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,male,28,25-34,lowest,secondary,unemployed,61.12,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,urban,male,20,18-24,second,primary,employed_informal,291.05,8,limited,1,360,1,commercial_bank,8956.69,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2019,urban,female,39,35-44,fourth,tertiary,employed_informal,209.97,1,none,0,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,male,50,45-54,second,tertiary,employed_formal,204.47,7,limited,0,480,1,microfinance,5943.0,equipment,housing,1,5400.05,0.319,24,296.83,late_30_days,not_applicable,low_burden
Tanzania,2025,urban,male,41,35-44,middle,tertiary,farmer,445.39,7,none,1,287,1,commercial_bank,13166.47,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2021,rural,female,28,25-34,middle,primary,self_employed,47.83,6,limited,1,138,1,microfinance,1354.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Nigeria,2020,urban,male,45,35-44,second,tertiary,self_employed,409.93,8,good,0,697,1,informal_lender,7006.44,property,consumption,1,6892.02,0.803,6,2071.46,paid_off,not_applicable,low_burden
Tanzania,2021,urban,female,67,55+,highest,secondary,employed_formal,413.11,10,none,1,639,1,digital_lender,22793.17,none,consumption,1,22201.38,0.457,12,2695.7,defaulted,not_applicable,low_burden
Ghana,2018,urban,female,32,25-34,second,secondary,employed_formal,209.76,7,none,0,33,1,sacco,1412.12,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Uganda,2020,rural,male,38,35-44,highest,primary,unemployed,2320.9,1,none,1,273,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,34,25-34,highest,secondary,self_employed,1295.63,2,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,urban,female,33,25-34,second,secondary,employed_informal,63.77,8,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,female,52,45-54,second,secondary,employed_informal,159.76,5,limited,1,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,37,35-44,fourth,tertiary,employed_informal,1166.45,4,none,0,716,1,family_friends,6118.66,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2024,urban,male,50,45-54,fourth,primary,employed_formal,277.71,10,good,1,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,male,19,18-24,lowest,secondary,employed_formal,69.85,10,good,0,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,female,52,45-54,lowest,primary,farmer,68.5,9,none,1,373,1,microfinance,1465.01,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2019,urban,male,23,18-24,lowest,primary,employed_informal,133.93,2,good,0,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,37,35-44,fourth,primary,self_employed,112.44,9,none,0,581,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,63,55+,fourth,primary,self_employed,511.11,6,none,1,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,male,35,25-34,lowest,primary,employed_informal,38.95,2,none,1,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,54,45-54,middle,none,self_employed,296.01,4,none,0,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,female,36,35-44,fourth,none,farmer,420.27,3,excellent,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,rural,female,64,55+,highest,secondary,employed_informal,1010.45,3,good,1,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,male,67,55+,lowest,primary,farmer,88.55,7,good,0,381,1,commercial_bank,3589.5,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2020,rural,male,65,55+,second,none,employed_informal,332.49,5,none,0,112,1,family_friends,12102.38,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2025,rural,female,38,35-44,second,none,employed_informal,242.48,8,limited,0,763,1,family_friends,6217.52,property,consumption,1,5562.74,0.093,12,506.55,late_60_days,not_applicable,low_burden
Kenya,2021,rural,male,34,25-34,middle,primary,employed_formal,114.62,10,limited,1,415,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,female,49,45-54,lowest,none,farmer,233.7,1,none,0,494,1,informal_lender,3895.34,none,emergency,1,3121.31,0.76,12,457.83,current,not_applicable,low_burden
Malawi,2023,rural,female,60,55+,lowest,tertiary,self_employed,75.33,9,good,0,256,1,commercial_bank,3928.65,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2024,urban,male,45,35-44,fourth,secondary,farmer,554.04,2,good,0,468,1,commercial_bank,5262.66,equipment,education,1,5247.68,0.196,12,523.17,paid_off,not_applicable,low_burden
Tanzania,2021,urban,male,56,55+,middle,primary,employed_informal,540.27,1,good,1,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2024,urban,female,63,55+,lowest,secondary,self_employed,43.36,1,excellent,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,male,57,55+,second,none,employed_formal,46.19,4,none,0,234,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,rural,female,37,35-44,lowest,secondary,employed_informal,61.3,4,good,0,588,1,informal_lender,2933.63,none,emergency,1,2638.56,0.754,12,385.61,defaulted,not_applicable,low_burden
South Africa,2021,urban,female,30,25-34,second,tertiary,self_employed,118.38,9,excellent,0,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,male,40,35-44,second,none,employed_formal,772.72,10,limited,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,47,45-54,lowest,none,self_employed,35.28,5,none,1,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,61,55+,lowest,secondary,self_employed,61.96,10,none,1,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2024,urban,male,33,25-34,highest,none,farmer,1133.08,5,none,1,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,female,26,25-34,highest,none,farmer,2345.4,1,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,female,34,25-34,lowest,secondary,employed_informal,30.03,1,good,0,792,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,rural,female,48,45-54,middle,secondary,employed_formal,64.71,9,excellent,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,30,25-34,lowest,primary,self_employed,159.88,3,good,1,173,1,informal_lender,5530.52,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2018,urban,female,38,35-44,fourth,secondary,employed_informal,520.44,4,none,0,334,1,informal_lender,17482.25,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2021,urban,male,31,25-34,highest,none,employed_informal,1746.09,4,limited,1,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,male,69,55+,middle,primary,employed_informal,364.31,4,limited,0,262,1,commercial_bank,6936.6,guarantor,agriculture,1,6577.21,0.156,36,211.19,defaulted,not_applicable,low_burden
Mali,2020,urban,male,44,35-44,middle,secondary,self_employed,613.59,10,limited,0,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2025,rural,male,55,45-54,second,secondary,self_employed,93.11,1,none,0,74,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,urban,male,45,35-44,lowest,secondary,employed_formal,57.06,5,excellent,0,461,1,informal_lender,2892.28,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2019,rural,female,18,18-24,middle,secondary,employed_informal,49.45,3,good,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,31,25-34,lowest,secondary,employed_informal,30.02,8,good,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2022,rural,female,61,55+,fourth,tertiary,employed_informal,344.41,3,none,1,583,1,commercial_bank,17566.31,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Mali,2023,rural,female,44,35-44,middle,secondary,farmer,122.41,3,none,0,642,1,microfinance,1061.27,guarantor,education,1,945.01,0.349,24,53.12,late_60_days,not_applicable,low_burden
DRC,2025,rural,female,54,45-54,lowest,primary,employed_informal,27.1,8,limited,1,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,urban,male,57,55+,middle,secondary,employed_informal,309.08,7,limited,0,655,1,family_friends,4694.45,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2025,urban,female,47,45-54,fourth,primary,farmer,1259.38,7,good,1,314,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,female,48,45-54,middle,secondary,self_employed,286.89,7,none,0,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,male,30,25-34,middle,primary,employed_informal,90.5,7,none,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,rural,male,30,25-34,fourth,primary,farmer,803.53,6,good,0,850,1,informal_lender,4656.14,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2020,urban,male,25,18-24,lowest,secondary,farmer,52.27,6,limited,1,341,1,digital_lender,2125.4,property,business,1,1854.24,0.436,6,443.82,paid_off,not_applicable,low_burden
Mozambique,2022,urban,female,33,25-34,middle,secondary,unemployed,840.4,4,limited,0,272,1,microfinance,10625.58,none,emergency,1,9261.74,0.273,12,982.26,late_30_days,not_applicable,low_burden
Uganda,2023,urban,female,50,45-54,second,none,unemployed,150.52,1,good,0,784,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,66,55+,lowest,primary,farmer,96.59,4,limited,1,303,1,commercial_bank,5626.98,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2019,rural,female,40,35-44,highest,secondary,employed_informal,1980.18,3,limited,1,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,male,49,45-54,second,tertiary,self_employed,70.26,9,none,1,0,1,microfinance,2016.12,guarantor,business,1,1756.16,0.321,18,128.92,current,not_applicable,low_burden
Tanzania,2020,rural,male,62,55+,second,primary,employed_formal,58.16,4,limited,1,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,female,53,45-54,lowest,none,self_employed,47.93,3,limited,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,urban,female,31,25-34,highest,primary,unemployed,898.15,1,limited,1,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2024,urban,female,32,25-34,highest,primary,employed_formal,6296.61,7,limited,1,850,1,microfinance,24717.26,none,agriculture,1,22638.22,0.314,12,2478.46,current,not_applicable,low_burden
Niger,2019,rural,male,51,45-54,lowest,none,unemployed,32.35,1,none,0,0,1,informal_lender,1186.62,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2018,rural,male,32,25-34,middle,tertiary,self_employed,80.27,6,none,0,6,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,rural,male,30,25-34,lowest,secondary,employed_informal,31.29,10,limited,0,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,urban,male,48,45-54,fourth,primary,farmer,578.72,5,limited,1,266,1,digital_lender,2955.23,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2023,rural,male,51,45-54,middle,primary,self_employed,282.24,10,none,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,female,31,25-34,lowest,none,self_employed,36.72,4,good,0,818,1,family_friends,2228.79,savings,education,1,2143.1,0.093,6,390.29,current,not_applicable,low_burden
Senegal,2023,rural,female,20,18-24,middle,secondary,self_employed,202.97,8,none,1,0,1,digital_lender,3680.0,vehicle,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2021,rural,male,57,55+,highest,primary,employed_informal,2591.41,2,limited,0,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,38,35-44,second,primary,employed_formal,124.33,10,limited,0,700,1,microfinance,8444.81,none,agriculture,1,7716.94,0.364,36,292.43,current,not_applicable,low_burden
Ethiopia,2023,urban,male,50,45-54,lowest,secondary,farmer,112.51,8,limited,0,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,26,25-34,highest,primary,unemployed,2491.42,3,none,0,839,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,urban,female,34,25-34,lowest,secondary,farmer,55.13,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,rural,male,49,45-54,middle,tertiary,farmer,117.21,7,none,1,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,24,18-24,middle,primary,farmer,143.96,6,none,0,254,1,informal_lender,13124.86,guarantor,business,1,11880.61,0.778,24,880.1,current,not_applicable,low_burden
Rwanda,2018,rural,male,34,25-34,lowest,primary,employed_formal,41.63,10,none,0,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,55,45-54,lowest,tertiary,farmer,16.84,4,limited,0,510,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,female,58,55+,lowest,primary,farmer,66.35,3,limited,0,678,1,informal_lender,1869.5,guarantor,agriculture,1,1610.25,0.832,36,81.95,late_30_days,not_applicable,low_burden
Mozambique,2018,rural,male,36,35-44,lowest,primary,employed_informal,70.12,10,none,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,rural,male,23,18-24,middle,secondary,self_employed,175.6,10,limited,1,231,1,microfinance,1335.75,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2022,rural,female,19,18-24,fourth,secondary,farmer,392.11,10,none,0,126,1,digital_lender,2401.72,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2019,urban,male,46,45-54,lowest,tertiary,unemployed,107.66,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,male,54,45-54,fourth,primary,unemployed,195.78,1,limited,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,male,48,45-54,second,primary,self_employed,148.47,3,limited,1,311,1,family_friends,2244.01,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2018,rural,male,39,35-44,lowest,none,farmer,89.06,4,none,1,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,rural,female,19,18-24,middle,primary,self_employed,65.39,6,limited,0,587,1,microfinance,3032.68,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Rwanda,2021,rural,male,29,25-34,second,secondary,farmer,337.82,3,none,0,0,1,employer,4394.35,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Uganda,2023,urban,female,19,18-24,middle,primary,self_employed,125.62,8,excellent,1,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,female,42,35-44,second,primary,unemployed,81.58,1,none,0,387,1,family_friends,1373.33,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2023,rural,male,34,25-34,middle,primary,unemployed,230.37,6,limited,0,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,21,18-24,highest,none,employed_informal,1440.3,5,good,0,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,rural,male,49,45-54,lowest,primary,unemployed,103.82,1,limited,1,251,1,sacco,9388.12,property,business,1,8379.5,0.321,24,461.39,defaulted,not_applicable,low_burden
Malawi,2020,rural,male,37,35-44,highest,secondary,farmer,983.4,5,limited,0,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,male,68,55+,lowest,primary,employed_informal,41.87,5,good,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,urban,female,39,35-44,lowest,secondary,employed_formal,96.96,9,none,1,444,1,commercial_bank,4657.12,property,agriculture,1,3893.16,0.184,18,256.09,paid_off,not_applicable,low_burden
Ghana,2022,rural,male,22,18-24,lowest,none,farmer,48.26,4,none,0,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,urban,female,54,45-54,fourth,none,employed_informal,555.74,4,good,1,392,1,sacco,18013.17,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2019,urban,female,54,45-54,fourth,tertiary,employed_informal,516.07,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2025,urban,female,66,55+,highest,tertiary,self_employed,695.67,2,good,1,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2022,urban,male,54,45-54,fourth,primary,employed_formal,385.78,6,none,1,57,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,male,36,35-44,second,primary,self_employed,33.17,5,none,1,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,female,52,45-54,highest,tertiary,farmer,1187.27,1,none,0,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2023,urban,male,59,55+,highest,secondary,employed_formal,1220.0,8,good,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,44,35-44,fourth,none,self_employed,65.6,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,59,55+,middle,none,employed_informal,348.46,1,none,1,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,female,68,55+,fourth,none,farmer,317.73,5,none,0,431,1,microfinance,1702.22,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Kenya,2025,rural,male,57,55+,lowest,secondary,self_employed,31.27,7,none,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,44,35-44,highest,secondary,farmer,323.93,8,none,0,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,43,35-44,highest,primary,farmer,611.9,4,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,61,55+,middle,none,unemployed,155.44,2,limited,0,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,63,55+,lowest,none,self_employed,34.48,1,none,1,652,1,family_friends,4472.78,equipment,business,1,4244.38,0.011,24,178.87,paid_off,not_applicable,low_burden
Zambia,2023,rural,female,31,25-34,lowest,secondary,self_employed,198.1,4,none,1,732,1,commercial_bank,3799.82,none,business,1,3635.05,0.214,18,245.09,current,not_applicable,low_burden
Uganda,2024,rural,female,18,18-24,highest,tertiary,employed_formal,861.01,10,none,0,716,1,digital_lender,5902.98,equipment,business,1,5003.95,0.461,12,609.06,late_60_days,not_applicable,low_burden
Rwanda,2024,urban,female,59,55+,highest,secondary,self_employed,4119.65,5,none,0,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,female,30,25-34,fourth,secondary,self_employed,576.13,10,none,1,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2024,rural,male,69,55+,highest,primary,self_employed,996.06,8,good,0,850,1,informal_lender,8031.52,none,debt_consolidation,1,7336.0,0.846,6,2256.46,paid_off,not_applicable,low_burden
Mozambique,2021,urban,male,19,18-24,middle,secondary,employed_informal,161.07,10,none,0,672,1,commercial_bank,2515.22,none,business,1,2155.44,0.208,18,144.69,late_60_days,not_applicable,low_burden
Zambia,2023,rural,female,65,55+,highest,primary,self_employed,590.34,5,none,0,545,1,informal_lender,5894.45,savings,emergency,1,5867.81,0.797,12,878.54,current,not_applicable,low_burden
South Africa,2018,rural,female,53,45-54,lowest,none,self_employed,56.89,1,limited,0,815,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,urban,male,33,25-34,lowest,primary,self_employed,138.71,6,none,0,406,1,family_friends,6363.21,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2022,urban,female,19,18-24,middle,secondary,farmer,288.21,10,good,0,458,1,sacco,1485.73,guarantor,consumption,1,1277.38,0.356,24,72.16,paid_off,not_applicable,low_burden
Rwanda,2018,urban,male,62,55+,second,none,self_employed,231.42,2,limited,0,145,1,microfinance,10855.41,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
South Africa,2022,urban,male,24,18-24,second,primary,self_employed,225.7,10,none,0,296,1,informal_lender,5538.54,savings,agriculture,1,5387.94,0.782,18,533.35,current,not_applicable,low_burden
Mali,2023,rural,female,22,18-24,fourth,tertiary,self_employed,266.75,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,rural,male,59,55+,lowest,secondary,farmer,45.35,7,none,0,1,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2022,urban,female,53,45-54,fourth,primary,farmer,307.98,10,none,0,633,1,informal_lender,4636.82,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Malawi,2020,rural,female,24,18-24,lowest,none,employed_informal,128.5,3,limited,1,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,35,25-34,fourth,secondary,employed_informal,398.06,3,limited,0,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2019,urban,male,52,45-54,lowest,none,farmer,113.13,9,none,0,92,1,informal_lender,5830.83,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2020,rural,female,52,45-54,fourth,primary,farmer,295.52,4,none,1,0,1,commercial_bank,6061.66,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2024,rural,male,36,35-44,middle,none,employed_formal,420.8,10,good,0,710,1,informal_lender,4206.86,guarantor,asset_purchase,1,3954.72,0.836,48,151.29,late_30_days,not_applicable,low_burden
Mozambique,2025,rural,female,39,35-44,second,primary,self_employed,30.16,2,limited,0,305,1,digital_lender,1244.64,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2023,urban,male,22,18-24,second,secondary,employed_informal,223.72,7,limited,0,158,1,sacco,10724.44,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2022,rural,female,18,18-24,lowest,secondary,farmer,25.03,6,limited,1,135,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,68,55+,second,primary,employed_informal,159.46,6,limited,1,429,1,microfinance,1569.35,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Zambia,2021,rural,male,30,25-34,lowest,tertiary,farmer,54.37,8,limited,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,66,55+,lowest,secondary,farmer,21.4,5,none,1,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,20,18-24,fourth,secondary,farmer,417.66,7,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,female,69,55+,lowest,none,unemployed,105.13,1,limited,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,40,35-44,lowest,primary,self_employed,51.24,9,limited,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,rural,female,59,55+,second,secondary,farmer,112.74,6,limited,0,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,61,55+,second,secondary,farmer,202.63,3,limited,0,374,1,digital_lender,3725.6,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Malawi,2020,rural,male,36,35-44,middle,primary,farmer,456.26,9,limited,0,491,1,informal_lender,2486.08,guarantor,business,1,2468.98,0.762,12,362.44,current,not_applicable,low_burden
Ghana,2020,rural,female,56,55+,middle,primary,self_employed,160.5,4,none,1,134,1,commercial_bank,5120.87,none,consumption,1,4833.56,0.164,12,468.72,defaulted,not_applicable,low_burden
Nigeria,2018,rural,male,35,25-34,middle,primary,employed_formal,406.44,10,good,1,632,1,digital_lender,5220.45,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Uganda,2021,urban,female,59,55+,middle,primary,unemployed,290.64,6,good,1,571,1,commercial_bank,2287.26,savings,agriculture,1,2108.48,0.217,12,213.8,paid_off,not_applicable,low_burden
Senegal,2023,rural,male,67,55+,second,primary,employed_formal,300.47,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,female,59,55+,second,none,unemployed,153.5,1,good,0,850,1,sacco,2228.97,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Rwanda,2025,rural,male,55,45-54,fourth,primary,employed_informal,206.83,3,good,1,775,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,37,35-44,second,tertiary,self_employed,56.26,9,none,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2024,urban,male,23,18-24,fourth,secondary,unemployed,480.41,1,limited,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,rural,female,44,35-44,middle,none,farmer,114.79,7,limited,1,738,1,informal_lender,3435.65,none,business,1,3064.91,0.752,12,447.58,defaulted,not_applicable,low_burden
Senegal,2021,rural,female,24,18-24,middle,none,self_employed,534.57,9,limited,0,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,44,35-44,middle,primary,employed_informal,108.69,2,good,1,727,1,employer,3884.33,equipment,business,1,3473.47,0.087,12,314.6,current,not_applicable,low_burden
Niger,2020,rural,male,63,55+,highest,primary,employed_informal,409.65,2,none,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,23,18-24,second,secondary,employed_formal,182.19,10,none,0,328,1,employer,1257.05,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2024,rural,female,64,55+,second,primary,self_employed,278.21,10,none,1,588,1,sacco,3115.47,vehicle,business,1,2493.15,0.274,6,529.38,current,not_applicable,low_burden
Senegal,2023,rural,female,49,45-54,highest,tertiary,self_employed,1107.71,4,none,1,120,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,female,20,18-24,middle,none,employed_informal,626.03,3,none,0,624,1,sacco,7239.28,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2023,rural,female,55,45-54,second,tertiary,self_employed,114.68,7,none,0,596,1,family_friends,6910.81,equipment,education,1,6906.55,0.066,24,306.73,paid_off,not_applicable,low_burden
Uganda,2018,rural,male,18,18-24,second,secondary,unemployed,115.82,2,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,rural,male,49,45-54,lowest,secondary,farmer,246.3,3,limited,0,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,female,44,35-44,fourth,tertiary,self_employed,1606.01,3,limited,1,225,1,digital_lender,15851.44,property,asset_purchase,1,14480.69,0.464,6,3532.83,paid_off,not_applicable,low_burden
Nigeria,2025,urban,female,56,55+,second,primary,unemployed,298.35,2,limited,1,657,1,employer,3722.96,none,consumption,1,3415.42,0.006,36,95.42,paid_off,not_applicable,low_burden
Malawi,2025,urban,male,37,35-44,lowest,none,self_employed,194.99,3,none,0,1,1,informal_lender,7519.74,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2022,rural,female,24,18-24,lowest,primary,employed_informal,109.87,6,excellent,1,774,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,male,38,35-44,highest,secondary,self_employed,425.87,7,none,0,577,1,informal_lender,4666.48,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2023,urban,male,57,55+,middle,tertiary,unemployed,290.2,1,limited,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,urban,male,67,55+,middle,primary,employed_informal,850.7,6,good,0,773,1,commercial_bank,1141.46,savings,debt_consolidation,1,954.37,0.214,12,96.54,late_60_days,not_applicable,low_burden
Rwanda,2023,rural,female,28,25-34,highest,secondary,employed_informal,1099.44,10,good,0,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2022,urban,female,36,35-44,second,primary,unemployed,173.09,2,limited,1,461,1,commercial_bank,9348.39,none,business,1,8286.41,0.139,12,786.24,current,not_applicable,low_burden
Malawi,2019,rural,female,63,55+,fourth,primary,farmer,948.09,2,none,0,628,1,family_friends,10212.85,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Tanzania,2018,urban,female,34,25-34,fourth,secondary,farmer,637.04,8,good,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,female,30,25-34,middle,primary,farmer,339.41,5,limited,0,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,urban,male,61,55+,fourth,none,farmer,639.37,8,good,0,613,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2021,rural,female,43,35-44,highest,secondary,employed_formal,969.84,4,none,1,151,1,employer,8766.61,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2022,rural,male,48,45-54,lowest,secondary,farmer,92.5,8,good,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,rural,female,43,35-44,lowest,secondary,employed_informal,149.62,7,good,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,49,45-54,fourth,primary,employed_informal,897.21,1,limited,1,741,1,microfinance,7628.93,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2020,rural,male,31,25-34,second,primary,unemployed,88.46,1,excellent,0,403,1,commercial_bank,3618.29,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2024,urban,female,56,55+,middle,secondary,employed_formal,382.67,8,limited,1,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,rural,male,36,35-44,lowest,tertiary,employed_formal,146.65,9,none,0,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,urban,male,45,35-44,fourth,none,employed_informal,448.64,7,limited,1,433,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,female,27,25-34,fourth,secondary,farmer,131.91,7,limited,0,502,1,digital_lender,3550.51,guarantor,education,1,2995.98,0.485,48,92.7,current,not_applicable,low_burden
Ethiopia,2020,rural,female,18,18-24,highest,secondary,unemployed,351.52,6,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,47,45-54,middle,secondary,employed_formal,111.12,10,none,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,male,25,18-24,highest,secondary,self_employed,481.83,4,limited,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,male,65,55+,middle,primary,farmer,176.97,10,none,0,745,1,microfinance,3340.17,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Niger,2019,urban,female,67,55+,middle,secondary,self_employed,613.2,5,good,0,669,1,employer,4406.67,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Tanzania,2021,urban,female,34,25-34,fourth,primary,employed_informal,405.26,9,good,1,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,male,33,25-34,middle,primary,employed_informal,483.52,5,none,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,female,44,35-44,middle,primary,self_employed,90.66,4,good,1,850,1,commercial_bank,3190.75,property,education,1,2692.24,0.228,24,137.79,current,not_applicable,low_burden
Niger,2021,rural,female,28,25-34,lowest,primary,employed_formal,47.04,10,none,1,494,1,commercial_bank,1386.66,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Ghana,2018,rural,female,62,55+,second,secondary,farmer,130.49,8,limited,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,urban,male,23,18-24,fourth,tertiary,employed_informal,867.64,2,good,1,643,1,microfinance,3774.03,none,business,1,3432.51,0.337,12,382.5,current,not_applicable,low_burden
Senegal,2021,rural,female,41,35-44,lowest,primary,farmer,134.14,1,none,1,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2024,urban,female,27,25-34,fourth,primary,farmer,337.48,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,urban,male,61,55+,second,tertiary,self_employed,362.75,2,excellent,0,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,male,25,18-24,second,primary,farmer,37.37,5,none,1,666,1,sacco,2528.67,none,consumption,1,2144.76,0.363,12,243.61,current,not_applicable,low_burden
South Africa,2023,urban,male,41,35-44,fourth,none,employed_formal,905.28,8,none,0,0,1,family_friends,13716.39,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2018,urban,male,61,55+,lowest,secondary,employed_informal,35.15,5,limited,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,female,40,35-44,highest,tertiary,self_employed,1354.2,5,none,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,female,27,25-34,highest,secondary,farmer,1463.74,10,none,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2025,urban,male,26,25-34,second,primary,farmer,336.76,6,good,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,female,49,45-54,second,secondary,self_employed,38.51,9,limited,0,271,1,digital_lender,1349.52,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2020,rural,male,24,18-24,lowest,secondary,farmer,44.05,5,none,1,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,36,35-44,fourth,tertiary,employed_informal,812.54,5,limited,0,437,1,family_friends,5023.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Mozambique,2022,urban,male,49,45-54,lowest,none,employed_formal,145.49,10,none,1,0,1,sacco,1328.6,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Tanzania,2018,rural,female,37,35-44,highest,tertiary,employed_informal,805.5,3,none,1,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,urban,female,61,55+,highest,secondary,unemployed,212.13,6,excellent,1,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,rural,female,53,45-54,lowest,none,self_employed,139.34,10,good,0,389,1,commercial_bank,1640.15,guarantor,consumption,1,1530.79,0.193,6,304.25,current,not_applicable,low_burden
Zambia,2022,rural,female,25,18-24,fourth,none,self_employed,864.11,2,limited,0,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2023,urban,male,60,55+,second,none,farmer,202.95,2,limited,1,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,rural,female,65,55+,middle,tertiary,employed_formal,234.7,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,rural,female,28,25-34,lowest,primary,employed_formal,85.67,5,limited,1,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2020,rural,male,36,35-44,fourth,secondary,employed_formal,916.56,4,none,1,430,1,commercial_bank,3555.58,none,agriculture,1,3112.3,0.228,18,212.35,late_30_days,not_applicable,low_burden
South Africa,2024,rural,female,38,35-44,lowest,none,employed_informal,71.79,9,none,0,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,male,40,35-44,highest,secondary,self_employed,580.85,2,none,1,391,1,microfinance,11448.96,guarantor,consumption,1,10021.73,0.35,18,751.45,defaulted,not_applicable,low_burden
Ghana,2019,rural,male,42,35-44,second,primary,employed_informal,158.44,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,female,64,55+,middle,tertiary,farmer,198.45,10,limited,1,705,1,microfinance,1467.06,none,business,1,1379.68,0.338,36,51.28,current,not_applicable,low_burden
Malawi,2024,rural,male,51,45-54,highest,secondary,farmer,664.14,4,none,1,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2018,rural,male,64,55+,fourth,secondary,unemployed,95.8,1,none,0,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2022,urban,male,36,35-44,middle,secondary,employed_informal,430.22,3,good,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2025,rural,female,45,35-44,second,secondary,self_employed,275.43,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,23,18-24,second,tertiary,employed_formal,247.79,9,good,0,850,1,informal_lender,5983.48,guarantor,agriculture,1,5589.43,0.849,12,861.19,paid_off,not_applicable,low_burden
Mali,2021,urban,male,32,25-34,second,primary,employed_informal,352.13,5,good,0,168,1,microfinance,4456.97,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2019,rural,female,48,45-54,highest,tertiary,self_employed,639.84,1,good,0,406,1,microfinance,9536.68,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Tanzania,2018,rural,female,26,25-34,second,none,self_employed,134.33,3,none,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,female,67,55+,second,secondary,farmer,279.3,5,good,1,834,1,commercial_bank,9591.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Tanzania,2025,rural,female,32,25-34,fourth,tertiary,farmer,605.14,6,none,1,0,1,digital_lender,6370.87,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2019,urban,female,26,25-34,second,tertiary,employed_formal,512.23,8,excellent,0,850,1,informal_lender,11981.69,property,asset_purchase,1,10552.69,0.798,6,3162.97,current,not_applicable,low_burden
Senegal,2018,urban,male,58,55+,highest,primary,unemployed,618.57,6,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,urban,male,22,18-24,lowest,primary,employed_formal,55.87,8,limited,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,female,34,25-34,lowest,secondary,unemployed,47.73,4,limited,1,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2020,urban,male,28,25-34,middle,primary,self_employed,154.19,6,good,0,305,1,microfinance,9531.76,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Zambia,2023,rural,male,54,45-54,middle,tertiary,employed_formal,79.3,8,none,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2022,urban,male,61,55+,highest,primary,self_employed,1375.21,1,none,1,157,1,microfinance,20196.24,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Rwanda,2025,urban,male,28,25-34,second,none,employed_informal,239.54,7,good,1,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2021,rural,female,39,35-44,lowest,secondary,farmer,71.57,9,none,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,urban,male,42,35-44,second,primary,employed_informal,231.81,9,none,1,520,1,family_friends,2955.41,none,consumption,1,2914.09,0.048,12,254.59,paid_off,not_applicable,low_burden
Niger,2025,rural,female,53,45-54,second,primary,farmer,43.54,8,none,1,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,female,36,35-44,middle,primary,employed_informal,213.21,3,good,1,592,1,commercial_bank,1312.55,savings,asset_purchase,1,1136.21,0.215,48,28.76,current,not_applicable,low_burden
DRC,2020,rural,male,45,35-44,second,tertiary,unemployed,98.78,1,limited,1,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,rural,male,44,35-44,middle,secondary,employed_informal,206.91,8,limited,1,790,1,commercial_bank,3922.71,savings,education,1,3701.76,0.197,48,92.35,current,not_applicable,low_burden
Malawi,2019,urban,male,18,18-24,highest,tertiary,farmer,356.55,8,good,1,661,1,microfinance,5845.08,none,agriculture,1,5603.9,0.284,12,599.81,defaulted,not_applicable,low_burden
Tanzania,2018,urban,female,47,45-54,second,primary,farmer,94.52,7,good,1,489,1,commercial_bank,959.41,property,business,1,809.41,0.161,12,78.3,current,not_applicable,low_burden
Zambia,2022,urban,male,47,45-54,middle,primary,employed_informal,219.81,1,limited,0,7,1,microfinance,4492.6,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Uganda,2025,rural,female,69,55+,lowest,primary,employed_formal,126.36,10,none,1,676,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,male,44,35-44,fourth,primary,self_employed,396.08,6,limited,0,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,64,55+,second,none,farmer,248.0,1,limited,0,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,36,35-44,middle,none,farmer,273.86,6,none,0,0,1,employer,1009.76,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
DRC,2025,rural,male,54,45-54,second,primary,employed_informal,121.39,8,good,0,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,urban,male,64,55+,lowest,secondary,unemployed,127.44,6,none,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,rural,female,25,18-24,second,primary,unemployed,107.15,4,none,1,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,47,45-54,lowest,secondary,farmer,38.9,3,limited,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,female,65,55+,highest,primary,employed_formal,349.14,10,good,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2024,rural,female,46,45-54,second,secondary,employed_formal,79.82,10,none,1,63,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2023,urban,female,64,55+,highest,secondary,unemployed,1778.72,1,none,0,201,1,family_friends,25229.63,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
South Africa,2021,urban,female,39,35-44,middle,secondary,farmer,721.11,9,limited,0,64,1,family_friends,9264.36,guarantor,business,1,8290.12,0.058,24,365.62,late_30_days,not_applicable,low_burden
Senegal,2022,rural,male,64,55+,lowest,secondary,self_employed,35.06,2,excellent,0,270,1,family_friends,1284.24,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2023,rural,female,50,45-54,second,primary,unemployed,36.04,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,42,35-44,lowest,primary,employed_formal,115.23,10,none,0,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,29,25-34,fourth,secondary,farmer,346.13,10,excellent,1,731,1,commercial_bank,5599.95,none,emergency,1,4503.44,0.132,12,424.67,defaulted,not_applicable,low_burden
Tanzania,2025,urban,male,26,25-34,lowest,tertiary,farmer,35.0,7,limited,1,663,1,family_friends,2436.07,none,business,1,2109.68,0.051,36,61.59,current,not_applicable,low_burden
Uganda,2025,rural,female,33,25-34,highest,secondary,farmer,75.25,1,none,0,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2022,rural,female,57,55+,lowest,primary,farmer,30.69,10,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,urban,female,42,35-44,second,secondary,self_employed,130.88,4,limited,1,317,1,employer,4708.4,savings,housing,1,4020.95,0.023,24,171.46,late_30_days,not_applicable,low_burden
Rwanda,2020,urban,male,38,35-44,lowest,tertiary,employed_formal,40.13,8,limited,0,124,1,informal_lender,2305.28,guarantor,agriculture,1,2199.92,0.774,24,162.58,late_30_days,not_applicable,low_burden
Mozambique,2018,rural,female,42,35-44,fourth,primary,unemployed,535.21,5,none,0,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2021,rural,female,35,25-34,middle,none,farmer,113.24,3,none,1,173,1,family_friends,5865.97,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Niger,2024,urban,female,59,55+,highest,secondary,self_employed,999.24,7,excellent,0,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,rural,male,38,35-44,second,secondary,unemployed,638.91,4,limited,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,urban,male,42,35-44,lowest,none,employed_informal,97.57,6,limited,0,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2019,urban,male,47,45-54,fourth,primary,self_employed,453.71,8,none,1,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,urban,female,51,45-54,middle,secondary,unemployed,279.57,4,none,0,0,1,family_friends,2227.49,none,education,1,1880.33,0.09,18,113.82,current,not_applicable,low_burden
Senegal,2019,rural,male,35,25-34,fourth,secondary,farmer,526.7,6,excellent,0,646,1,digital_lender,5678.92,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2023,urban,female,21,18-24,second,secondary,unemployed,265.04,1,limited,0,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,rural,female,53,45-54,fourth,none,unemployed,163.34,4,none,0,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2024,urban,female,47,45-54,lowest,primary,self_employed,67.39,8,limited,1,548,1,commercial_bank,7916.46,savings,business,1,6373.44,0.158,12,615.15,late_30_days,not_applicable,low_burden
DRC,2023,rural,female,51,45-54,highest,secondary,employed_informal,416.21,4,none,1,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,46,45-54,lowest,none,farmer,49.43,9,none,0,273,1,family_friends,1942.56,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Nigeria,2022,urban,female,44,35-44,fourth,primary,self_employed,1766.85,3,none,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2018,rural,male,67,55+,lowest,secondary,self_employed,92.81,2,good,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,female,20,18-24,fourth,primary,self_employed,465.21,2,limited,0,606,1,informal_lender,6749.96,none,asset_purchase,1,5431.9,0.84,12,832.81,paid_off,not_applicable,low_burden
Ghana,2022,urban,female,22,18-24,highest,secondary,employed_formal,2367.26,9,limited,1,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2023,rural,male,66,55+,highest,none,employed_formal,757.67,6,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2018,rural,female,64,55+,middle,secondary,self_employed,63.54,7,good,0,754,1,digital_lender,1457.36,equipment,asset_purchase,1,1388.49,0.453,24,84.08,current,not_applicable,low_burden
Malawi,2024,urban,female,39,35-44,second,secondary,farmer,580.04,7,none,0,430,1,commercial_bank,23263.75,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ethiopia,2021,rural,female,46,45-54,fourth,secondary,self_employed,295.55,5,none,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,female,41,35-44,middle,tertiary,employed_informal,61.5,3,good,0,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2022,rural,female,69,55+,middle,primary,self_employed,65.27,10,good,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2022,rural,male,41,35-44,lowest,secondary,farmer,132.65,9,none,0,0,1,commercial_bank,4204.29,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2023,rural,male,57,55+,second,primary,employed_formal,40.04,7,none,1,499,1,commercial_bank,1038.18,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Mozambique,2024,rural,male,36,35-44,second,tertiary,self_employed,311.93,3,limited,0,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,female,37,35-44,middle,none,farmer,211.67,9,none,0,334,1,informal_lender,8206.93,vehicle,business,1,6800.87,0.843,12,1044.38,current,not_applicable,low_burden
Kenya,2022,rural,male,53,45-54,lowest,secondary,self_employed,99.29,7,limited,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2018,urban,female,38,35-44,second,none,self_employed,151.19,5,limited,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,18,18-24,fourth,primary,unemployed,709.58,2,limited,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,rural,female,26,25-34,middle,none,employed_informal,249.61,8,none,0,90,1,commercial_bank,2392.85,none,business,1,2222.5,0.203,12,222.79,current,not_applicable,low_burden
Mozambique,2024,urban,male,63,55+,highest,primary,employed_informal,964.25,3,good,1,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2020,rural,male,37,35-44,lowest,none,employed_formal,28.57,10,good,0,163,1,microfinance,2920.91,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Senegal,2021,urban,male,23,18-24,second,none,farmer,232.59,6,limited,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,male,66,55+,middle,secondary,unemployed,56.06,1,none,1,196,1,family_friends,4676.13,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2021,urban,male,69,55+,second,primary,farmer,347.36,10,excellent,1,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,rural,male,43,35-44,fourth,none,unemployed,378.5,6,none,1,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2020,rural,male,50,45-54,lowest,tertiary,farmer,83.37,10,none,0,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2021,urban,female,57,55+,middle,secondary,employed_informal,47.77,7,none,1,202,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,male,21,18-24,lowest,primary,employed_informal,27.39,3,none,1,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2025,rural,male,33,25-34,middle,primary,farmer,140.37,6,none,0,47,1,informal_lender,12224.13,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2022,urban,female,47,45-54,fourth,primary,farmer,788.31,6,good,0,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2021,urban,female,46,45-54,lowest,secondary,self_employed,46.45,6,none,0,0,1,family_friends,2677.86,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Senegal,2023,rural,female,35,25-34,second,tertiary,self_employed,721.92,2,none,0,31,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2024,rural,female,18,18-24,middle,secondary,self_employed,166.33,4,good,0,127,1,microfinance,3991.46,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
South Africa,2021,urban,male,67,55+,fourth,tertiary,employed_informal,241.56,5,none,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2021,rural,female,49,45-54,lowest,secondary,self_employed,52.85,6,limited,0,62,1,digital_lender,729.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Zambia,2019,urban,female,57,55+,second,tertiary,farmer,93.01,4,excellent,0,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2024,urban,female,40,35-44,fourth,secondary,farmer,214.71,8,none,0,311,1,family_friends,3262.26,guarantor,education,1,2741.32,0.041,24,118.95,late_30_days,not_applicable,low_burden
Tanzania,2024,rural,female,44,35-44,middle,secondary,employed_informal,405.86,10,none,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2019,urban,male,41,35-44,fourth,secondary,farmer,704.57,5,none,0,0,1,employer,4490.2,property,business,1,3791.19,0.004,6,634.09,paid_off,not_applicable,low_burden
Zambia,2020,urban,female,40,35-44,second,secondary,employed_informal,259.72,7,limited,0,608,1,family_friends,4152.81,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mali,2020,rural,female,52,45-54,highest,none,employed_informal,1623.02,2,none,1,441,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2025,urban,female,69,55+,lowest,none,farmer,126.34,2,excellent,0,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,urban,male,58,55+,lowest,primary,unemployed,42.57,1,limited,1,82,1,family_friends,1656.23,none,business,1,1592.11,0.089,24,72.25,defaulted,not_applicable,low_burden
Ghana,2019,rural,male,52,45-54,middle,primary,unemployed,328.44,6,limited,1,812,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2020,rural,male,18,18-24,middle,tertiary,employed_formal,90.89,7,good,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2022,rural,male,44,35-44,middle,secondary,employed_informal,143.12,7,none,1,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2019,rural,male,67,55+,lowest,none,farmer,58.34,7,good,0,518,1,commercial_bank,4103.75,property,business,1,3842.78,0.201,18,256.34,defaulted,not_applicable,low_burden
Ethiopia,2022,rural,female,38,35-44,lowest,primary,farmer,54.34,2,limited,1,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,male,46,45-54,fourth,primary,self_employed,140.4,2,limited,0,620,1,digital_lender,2590.24,vehicle,agriculture,1,2411.26,0.413,6,568.04,current,not_applicable,low_burden
Niger,2024,rural,male,34,25-34,second,secondary,employed_formal,61.62,10,limited,0,406,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2018,urban,male,27,25-34,fourth,tertiary,self_employed,484.23,8,none,1,221,1,family_friends,7893.36,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2019,urban,female,54,45-54,middle,none,employed_formal,194.58,9,good,1,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,female,34,25-34,lowest,primary,employed_informal,132.52,4,limited,1,377,1,microfinance,3304.29,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Malawi,2025,rural,female,48,45-54,fourth,tertiary,farmer,817.75,5,good,0,850,1,microfinance,5034.53,guarantor,emergency,1,4962.71,0.364,12,563.89,late_30_days,not_applicable,low_burden
Senegal,2023,rural,female,48,45-54,highest,secondary,employed_informal,303.1,8,good,1,365,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,urban,female,62,55+,fourth,tertiary,farmer,512.93,2,limited,1,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2024,urban,female,66,55+,lowest,primary,self_employed,272.11,1,excellent,1,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2022,rural,female,46,45-54,middle,primary,self_employed,182.07,3,none,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2019,rural,male,20,18-24,highest,secondary,self_employed,499.41,2,none,0,758,1,microfinance,3915.22,property,asset_purchase,1,3813.58,0.319,12,419.13,current,not_applicable,low_burden
Mali,2022,rural,female,48,45-54,middle,none,unemployed,365.21,1,none,0,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,male,64,55+,second,secondary,self_employed,149.36,5,none,1,590,1,digital_lender,4271.07,savings,education,1,4140.23,0.403,12,484.05,current,not_applicable,low_burden
DRC,2018,urban,female,42,35-44,lowest,secondary,unemployed,218.75,5,limited,1,572,1,commercial_bank,9838.33,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2022,rural,male,47,45-54,fourth,primary,self_employed,217.46,7,none,0,395,1,informal_lender,2781.48,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Niger,2021,rural,male,57,55+,fourth,primary,self_employed,236.54,3,limited,0,741,1,microfinance,4588.28,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Kenya,2018,urban,male,40,35-44,highest,secondary,unemployed,1722.32,1,excellent,0,258,1,sacco,13170.23,equipment,business,1,10894.75,0.3,12,1179.89,current,not_applicable,low_burden
Uganda,2020,urban,female,39,35-44,highest,tertiary,employed_informal,1062.84,5,good,0,384,1,digital_lender,8027.07,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2021,urban,female,43,35-44,second,primary,employed_informal,195.23,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,urban,male,62,55+,middle,secondary,unemployed,78.4,6,excellent,1,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,rural,female,43,35-44,lowest,primary,self_employed,47.04,10,good,1,269,1,commercial_bank,818.34,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Rwanda,2023,urban,male,35,25-34,lowest,tertiary,employed_informal,164.54,10,good,0,455,1,family_friends,5144.61,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2021,rural,female,49,45-54,lowest,secondary,unemployed,34.8,1,none,1,487,1,commercial_bank,847.24,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Ghana,2021,rural,male,54,45-54,highest,none,employed_formal,1084.4,10,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,male,65,55+,lowest,secondary,self_employed,72.67,8,none,0,409,1,family_friends,1140.12,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2018,rural,female,64,55+,middle,secondary,farmer,173.91,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2020,urban,female,58,55+,second,secondary,farmer,468.13,2,none,1,0,1,microfinance,2676.16,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2018,urban,female,57,55+,second,primary,self_employed,142.65,10,limited,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,urban,female,41,35-44,middle,secondary,employed_formal,246.96,10,none,1,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,35,25-34,lowest,secondary,farmer,51.96,8,none,1,601,1,commercial_bank,2220.23,none,business,1,1849.88,0.216,24,93.73,current,not_applicable,low_burden
Nigeria,2024,urban,male,47,45-54,second,primary,farmer,191.46,6,limited,1,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,urban,male,54,45-54,middle,primary,employed_informal,510.4,5,none,1,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2020,urban,female,44,35-44,fourth,tertiary,employed_informal,175.48,3,none,0,20,1,informal_lender,2221.03,none,consumption,1,2213.07,0.792,36,110.16,defaulted,not_applicable,low_burden
Nigeria,2022,urban,male,28,25-34,fourth,secondary,self_employed,903.2,1,good,1,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2024,rural,female,18,18-24,fourth,primary,employed_formal,345.84,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,rural,male,21,18-24,second,tertiary,farmer,178.78,3,good,0,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2019,rural,female,40,35-44,lowest,none,unemployed,321.38,1,limited,1,7,1,microfinance,2129.47,savings,agriculture,1,1949.12,0.351,12,219.4,late_60_days,not_applicable,low_burden
Mozambique,2025,rural,male,59,55+,second,secondary,employed_informal,84.79,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2020,urban,female,59,55+,highest,primary,unemployed,420.33,3,none,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2019,urban,female,60,55+,lowest,none,farmer,102.92,3,limited,1,271,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2023,urban,male,54,45-54,lowest,tertiary,farmer,114.99,3,good,0,781,1,microfinance,4204.85,savings,business,1,3825.91,0.31,18,278.5,current,not_applicable,low_burden
Mozambique,2018,rural,male,19,18-24,highest,secondary,unemployed,1222.24,1,none,1,685,1,commercial_bank,8451.84,savings,emergency,1,7616.28,0.143,12,725.7,current,not_applicable,low_burden
Zambia,2024,rural,male,63,55+,highest,primary,employed_informal,455.53,4,none,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,urban,male,67,55+,lowest,tertiary,unemployed,50.26,1,good,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,62,55+,fourth,tertiary,employed_formal,112.76,7,limited,0,485,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2020,urban,female,41,35-44,second,secondary,self_employed,69.48,6,none,1,210,1,microfinance,4321.45,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2018,urban,male,29,25-34,middle,none,self_employed,222.99,5,good,0,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2021,rural,male,65,55+,middle,primary,employed_informal,184.33,4,limited,0,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2020,rural,male,27,25-34,highest,secondary,farmer,2818.36,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2025,rural,male,58,55+,lowest,tertiary,self_employed,18.42,3,none,0,214,1,microfinance,1057.28,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Mozambique,2023,rural,male,68,55+,fourth,primary,self_employed,417.01,9,none,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2025,urban,female,64,55+,lowest,primary,self_employed,54.06,7,none,1,307,1,digital_lender,2391.94,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Niger,2024,rural,female,45,35-44,middle,none,employed_informal,233.77,7,none,1,602,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2023,rural,female,61,55+,middle,primary,employed_informal,135.78,3,none,0,325,1,digital_lender,5780.01,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2018,rural,male,61,55+,fourth,secondary,employed_informal,680.68,10,none,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,female,68,55+,highest,none,unemployed,2036.02,1,none,1,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2018,rural,female,36,35-44,fourth,secondary,farmer,304.64,6,limited,1,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2022,urban,female,50,45-54,fourth,secondary,self_employed,1347.08,3,none,0,645,1,sacco,4060.93,guarantor,consumption,1,3846.35,0.289,12,413.31,defaulted,not_applicable,low_burden
Nigeria,2019,urban,female,60,55+,second,primary,farmer,308.09,5,none,1,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2025,rural,male,29,25-34,highest,tertiary,self_employed,1760.07,7,limited,0,154,1,commercial_bank,6681.68,none,debt_consolidation,1,6140.0,0.218,36,207.76,current,not_applicable,low_burden
Mali,2019,rural,female,29,25-34,second,none,employed_informal,117.7,10,none,0,319,1,microfinance,6129.79,savings,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Uganda,2025,rural,female,38,35-44,second,none,employed_formal,236.18,10,none,0,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2023,rural,female,36,35-44,middle,primary,self_employed,116.81,2,excellent,1,850,1,commercial_bank,3408.3,property,agriculture,1,2828.81,0.148,6,541.3,current,not_applicable,low_burden
DRC,2018,urban,female,57,55+,second,secondary,employed_informal,98.45,1,limited,0,462,1,digital_lender,2875.94,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Kenya,2018,rural,female,66,55+,middle,primary,unemployed,919.84,6,good,1,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2021,rural,male,26,25-34,second,tertiary,employed_informal,56.72,9,none,1,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,rural,female,34,25-34,lowest,primary,self_employed,44.39,2,limited,1,824,1,commercial_bank,2247.52,none,business,1,1844.07,0.224,48,47.01,paid_off,not_applicable,low_burden
Rwanda,2020,urban,female,66,55+,highest,primary,self_employed,262.36,9,none,1,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2022,rural,female,48,45-54,highest,secondary,farmer,367.31,8,none,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2019,rural,female,28,25-34,middle,tertiary,unemployed,99.72,6,good,0,828,1,informal_lender,6590.3,none,agriculture,1,5671.39,0.779,12,840.71,late_60_days,not_applicable,low_burden
Rwanda,2019,rural,male,49,45-54,highest,secondary,self_employed,415.35,2,good,1,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,urban,male,63,55+,second,none,employed_formal,223.24,10,limited,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2025,urban,male,37,35-44,second,primary,farmer,264.29,4,none,0,0,1,microfinance,4593.94,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Nigeria,2020,rural,female,43,35-44,highest,primary,employed_informal,328.18,6,limited,1,583,1,family_friends,5221.73,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,low_burden
Rwanda,2025,urban,female,49,45-54,middle,secondary,employed_formal,171.67,6,limited,1,20,1,sacco,3885.88,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Mali,2020,rural,female,61,55+,fourth,secondary,farmer,704.0,1,limited,0,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2020,urban,female,47,45-54,second,primary,employed_formal,597.06,10,limited,0,463,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2018,rural,female,67,55+,second,secondary,employed_informal,292.21,1,limited,1,526,1,digital_lender,1839.78,savings,business,1,1791.96,0.497,18,149.05,paid_off,not_applicable,low_burden
Niger,2021,urban,male,57,55+,lowest,secondary,self_employed,28.39,5,none,0,0,1,informal_lender,2613.33,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2021,urban,female,39,35-44,highest,primary,self_employed,2277.66,2,limited,0,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,rural,female,43,35-44,lowest,primary,unemployed,220.5,6,none,0,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2019,urban,female,54,45-54,middle,secondary,employed_informal,91.03,5,limited,1,380,1,commercial_bank,1864.5,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2019,urban,female,21,18-24,lowest,none,self_employed,191.75,2,limited,0,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2021,urban,female,29,25-34,middle,none,farmer,349.31,10,none,1,703,1,microfinance,2442.59,guarantor,consumption,1,2150.57,0.28,36,76.45,paid_off,not_applicable,low_burden
Niger,2018,urban,male,30,25-34,second,none,farmer,143.93,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2019,rural,female,59,55+,fourth,secondary,employed_informal,355.19,2,limited,0,844,1,informal_lender,1838.89,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,low_burden
Senegal,2023,urban,female,60,55+,middle,secondary,self_employed,406.91,4,limited,0,43,1,informal_lender,2199.02,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Tanzania,2025,urban,male,60,55+,lowest,secondary,self_employed,202.07,6,none,1,709,1,family_friends,1073.23,guarantor,agriculture,1,1045.82,0.055,18,61.29,late_60_days,not_applicable,low_burden
Mozambique,2022,rural,male,23,18-24,lowest,primary,employed_informal,130.65,8,none,1,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,male,33,25-34,lowest,secondary,employed_formal,20.98,10,none,1,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,34,25-34,fourth,primary,farmer,209.4,9,none,0,106,1,sacco,2296.57,savings,consumption,1,2100.33,0.274,24,111.45,current,not_applicable,low_burden
Niger,2022,urban,female,19,18-24,fourth,secondary,employed_informal,525.22,1,limited,1,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,rural,male,31,25-34,second,tertiary,employed_informal,364.63,5,none,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2019,urban,male,40,35-44,middle,secondary,self_employed,44.22,1,none,0,171,1,microfinance,1769.4,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
South Africa,2022,urban,female,64,55+,lowest,primary,employed_informal,58.6,4,none,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,rural,male,26,25-34,highest,secondary,employed_informal,227.87,3,none,1,806,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2023,rural,female,62,55+,highest,primary,self_employed,254.62,3,none,0,91,1,family_friends,8680.47,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2019,rural,male,60,55+,fourth,primary,unemployed,657.43,1,excellent,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2025,rural,male,26,25-34,lowest,tertiary,farmer,41.51,5,limited,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,urban,female,31,25-34,second,primary,employed_informal,35.33,5,limited,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2023,rural,female,41,35-44,highest,none,employed_informal,594.32,10,none,1,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2019,rural,female,67,55+,lowest,secondary,unemployed,250.49,1,good,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2023,urban,female,58,55+,fourth,secondary,farmer,138.88,1,limited,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2021,urban,male,68,55+,highest,secondary,farmer,1438.52,6,none,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,urban,female,34,25-34,fourth,none,employed_formal,1473.96,7,limited,1,271,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ghana,2023,rural,male,65,55+,middle,secondary,employed_formal,193.2,5,none,1,179,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2020,urban,female,67,55+,middle,primary,employed_informal,1150.46,7,excellent,0,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
DRC,2018,urban,male,49,45-54,highest,tertiary,farmer,624.19,7,none,1,652,1,commercial_bank,6810.77,none,housing,1,6714.76,0.156,6,1293.33,current,not_applicable,low_burden
Rwanda,2022,rural,female,26,25-34,second,primary,unemployed,333.78,1,good,0,816,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,rural,male,31,25-34,highest,none,employed_informal,1548.86,3,excellent,1,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2018,urban,male,24,18-24,second,secondary,farmer,176.89,5,limited,0,225,1,family_friends,4624.76,none,debt_consolidation,1,4517.87,0.086,18,272.46,current,not_applicable,low_burden
DRC,2022,rural,male,59,55+,fourth,primary,unemployed,116.43,1,good,1,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,female,34,25-34,highest,secondary,unemployed,329.35,6,none,0,601,1,family_friends,10963.15,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Ghana,2019,rural,male,54,45-54,middle,primary,self_employed,38.76,1,limited,0,723,1,family_friends,394.26,none,business,1,345.06,0.019,12,29.29,current,not_applicable,low_burden
Senegal,2018,urban,female,31,25-34,second,primary,employed_informal,274.3,2,none,1,681,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2020,urban,male,68,55+,lowest,none,unemployed,125.25,4,none,1,618,1,commercial_bank,4380.51,property,housing,1,3987.27,0.219,12,405.09,late_60_days,not_applicable,low_burden
Zambia,2019,rural,female,58,55+,fourth,primary,employed_informal,348.55,10,limited,0,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mozambique,2018,urban,male,37,35-44,middle,none,employed_informal,273.81,7,limited,0,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2021,rural,female,42,35-44,second,primary,employed_informal,313.76,4,limited,0,354,1,sacco,6028.62,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
Ghana,2019,urban,male,21,18-24,highest,primary,self_employed,1220.21,3,none,0,103,1,informal_lender,14070.49,savings,education,1,13253.61,0.809,12,1997.96,current,not_applicable,low_burden
Uganda,2019,rural,male,25,18-24,highest,secondary,employed_formal,450.37,10,none,0,373,1,digital_lender,1962.05,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
Niger,2021,rural,male,69,55+,highest,secondary,self_employed,736.11,7,none,1,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Rwanda,2018,rural,male,60,55+,middle,none,unemployed,838.46,1,limited,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
South Africa,2025,rural,male,61,55+,highest,none,self_employed,1026.42,5,none,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Senegal,2021,rural,male,51,45-54,highest,none,unemployed,505.41,1,none,0,592,1,family_friends,4277.57,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Nigeria,2025,rural,female,29,25-34,lowest,primary,unemployed,58.39,5,excellent,0,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2025,urban,female,23,18-24,highest,primary,farmer,1370.16,1,excellent,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Uganda,2025,rural,male,55,45-54,middle,primary,self_employed,148.94,10,limited,0,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2022,rural,male,35,25-34,highest,tertiary,unemployed,464.81,1,none,0,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Niger,2021,rural,male,18,18-24,fourth,secondary,self_employed,327.14,2,limited,1,149,1,microfinance,2902.7,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,low_burden
DRC,2023,rural,male,19,18-24,middle,none,employed_informal,579.22,1,limited,0,823,1,informal_lender,2943.15,savings,business,1,2381.39,0.823,18,241.14,current,not_applicable,low_burden
Ethiopia,2018,urban,male,47,45-54,second,none,unemployed,314.82,1,none,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2024,rural,male,61,55+,lowest,none,self_employed,45.22,1,excellent,1,346,1,commercial_bank,9279.88,savings,business,1,7720.68,0.166,18,500.1,current,not_applicable,low_burden
Uganda,2020,rural,male,36,35-44,second,none,unemployed,222.88,1,none,1,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Malawi,2018,rural,female,69,55+,fourth,secondary,self_employed,331.73,8,none,0,298,1,informal_lender,3633.34,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,low_burden
Zambia,2019,rural,female,37,35-44,highest,none,employed_informal,845.16,8,limited,0,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2019,rural,female,56,55+,lowest,none,farmer,71.94,4,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Mali,2018,rural,male,30,25-34,lowest,none,self_employed,13.75,1,good,1,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Nigeria,2023,urban,female,49,45-54,fourth,secondary,self_employed,58.27,2,none,1,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Tanzania,2018,rural,male,32,25-34,second,none,unemployed,142.16,2,limited,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Zambia,2024,urban,male,58,55+,lowest,tertiary,self_employed,49.47,5,good,1,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Ethiopia,2021,urban,female,41,35-44,lowest,primary,employed_formal,28.53,10,limited,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden
Kenya,2023,urban,male,20,18-24,middle,primary,farmer,167.82,5,none,1,380,1,commercial_bank,6785.12,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,low_burden
DRC,2020,rural,male,30,25-34,middle,primary,employed_formal,382.06,7,limited,1,690,1,microfinance,8244.47,guarantor,business,1,7799.35,0.368,6,1778.89,defaulted,not_applicable,low_burden
Niger,2019,urban,female,36,35-44,highest,secondary,self_employed,1272.57,7,good,0,413,1,sacco,3678.72,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,low_burden
Zambia,2019,rural,female,42,35-44,second,primary,employed_informal,208.21,9,none,0,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,low_burden