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
Zambia,2019,urban,male,68,55+,second,none,employed_formal,267.64,5,none,0,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,male,23,18-24,second,tertiary,self_employed,59.17,8,good,1,400,1,microfinance,2027.35,vehicle,agriculture,1,1645.2,0.298,12,177.94,current,not_applicable,moderate_burden
Malawi,2023,rural,female,23,18-24,second,none,self_employed,78.41,9,none,1,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,30,25-34,middle,primary,farmer,308.47,1,limited,1,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,19,18-24,middle,primary,self_employed,102.57,2,limited,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,41,35-44,second,secondary,farmer,232.01,5,limited,0,526,1,sacco,7245.69,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2023,rural,female,29,25-34,lowest,secondary,farmer,49.67,9,limited,1,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,female,39,35-44,second,tertiary,unemployed,225.63,1,none,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,27,25-34,middle,tertiary,employed_formal,385.54,10,none,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,male,39,35-44,second,primary,self_employed,175.94,10,none,1,162,1,digital_lender,4783.99,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2021,rural,female,53,45-54,lowest,tertiary,farmer,36.06,1,none,0,37,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,male,42,35-44,second,primary,self_employed,123.89,9,limited,0,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,55,45-54,highest,secondary,self_employed,602.29,3,none,0,153,1,digital_lender,7571.87,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2021,rural,male,26,25-34,highest,primary,employed_informal,623.66,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,63,55+,highest,tertiary,self_employed,1730.93,6,limited,1,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,male,36,35-44,highest,none,employed_informal,569.38,1,none,0,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,female,31,25-34,second,primary,self_employed,155.63,9,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,58,55+,second,secondary,farmer,230.48,10,good,0,327,1,employer,2322.02,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2024,rural,male,59,55+,fourth,secondary,employed_formal,153.46,10,none,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,53,45-54,middle,primary,self_employed,365.45,10,good,1,450,1,microfinance,6492.27,savings,education,1,6357.74,0.292,12,684.59,current,not_applicable,moderate_burden
Nigeria,2021,rural,female,52,45-54,middle,primary,farmer,166.09,2,none,0,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,rural,male,37,35-44,highest,none,self_employed,690.92,7,limited,0,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,male,58,55+,fourth,tertiary,self_employed,351.02,1,none,0,0,1,family_friends,8855.72,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2023,urban,female,33,25-34,lowest,secondary,self_employed,117.98,8,none,0,72,1,digital_lender,1516.99,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2018,rural,male,30,25-34,highest,none,self_employed,863.78,7,none,0,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,55,45-54,second,secondary,self_employed,76.44,8,limited,1,295,1,commercial_bank,3360.31,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2021,rural,female,36,35-44,middle,primary,unemployed,179.41,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,male,43,35-44,highest,secondary,employed_formal,1814.58,10,limited,1,227,1,commercial_bank,11617.16,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,rural,female,49,45-54,second,secondary,employed_informal,74.65,3,none,0,294,1,sacco,1543.91,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2018,rural,male,29,25-34,lowest,primary,unemployed,39.28,4,none,1,145,1,digital_lender,2732.65,none,business,1,2345.09,0.455,18,189.5,paid_off,not_applicable,moderate_burden
Malawi,2023,rural,female,54,45-54,second,primary,employed_informal,301.64,2,good,0,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,female,58,55+,middle,primary,self_employed,205.42,9,limited,0,19,1,family_friends,5828.4,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2025,rural,female,57,55+,fourth,secondary,self_employed,720.56,8,limited,0,82,1,digital_lender,4029.15,savings,business,1,3245.17,0.458,12,394.21,late_30_days,not_applicable,moderate_burden
Tanzania,2018,rural,male,37,35-44,second,primary,employed_informal,259.08,8,limited,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,18,18-24,fourth,secondary,employed_informal,530.94,5,limited,0,574,1,family_friends,14118.33,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,rural,female,58,55+,lowest,secondary,unemployed,52.6,1,limited,1,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,female,64,55+,highest,secondary,farmer,131.7,1,none,1,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,29,25-34,middle,primary,unemployed,190.93,1,limited,1,165,1,sacco,3241.94,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2024,rural,female,67,55+,highest,secondary,unemployed,369.22,2,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,male,19,18-24,fourth,primary,unemployed,389.99,1,none,1,446,1,informal_lender,3089.41,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2025,urban,male,28,25-34,fourth,none,employed_formal,349.5,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,63,55+,lowest,primary,farmer,141.99,4,limited,1,69,1,digital_lender,3144.6,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2025,rural,female,48,45-54,lowest,secondary,unemployed,61.61,1,limited,0,821,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,43,35-44,lowest,secondary,self_employed,36.38,2,limited,0,731,1,informal_lender,1316.85,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2022,rural,male,63,55+,fourth,secondary,unemployed,447.73,1,none,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,male,26,25-34,second,primary,employed_informal,1165.64,7,limited,1,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,52,45-54,highest,tertiary,farmer,1291.59,1,limited,1,260,1,commercial_bank,4474.73,guarantor,business,1,4433.0,0.14,6,842.0,defaulted,not_applicable,moderate_burden
South Africa,2020,rural,male,57,55+,second,primary,farmer,86.73,6,none,0,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,52,45-54,middle,none,employed_informal,842.31,7,none,0,9,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,34,25-34,second,none,farmer,29.51,1,none,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,41,35-44,middle,secondary,self_employed,129.08,5,none,1,38,1,microfinance,3194.8,equipment,agriculture,1,3079.22,0.318,12,338.25,paid_off,not_applicable,moderate_burden
Kenya,2019,rural,male,62,55+,second,secondary,employed_formal,112.43,10,excellent,1,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,female,26,25-34,second,primary,unemployed,94.76,1,none,1,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,53,45-54,middle,primary,farmer,200.4,8,limited,0,558,1,family_friends,2535.56,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2018,urban,female,47,45-54,lowest,secondary,self_employed,124.55,4,limited,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,19,18-24,lowest,primary,employed_formal,171.1,10,limited,0,765,1,microfinance,2742.9,equipment,agriculture,1,2410.56,0.368,12,274.9,current,not_applicable,moderate_burden
Uganda,2019,urban,female,23,18-24,middle,tertiary,farmer,422.09,8,none,0,302,1,commercial_bank,7864.94,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2021,urban,male,49,45-54,middle,secondary,farmer,312.54,8,none,1,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,46,45-54,highest,primary,employed_formal,247.26,4,limited,1,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,63,55+,highest,primary,employed_informal,202.13,7,none,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,23,18-24,lowest,secondary,farmer,96.01,3,none,0,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,male,31,25-34,second,secondary,employed_informal,148.4,1,none,1,447,1,sacco,2991.89,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2021,rural,male,38,35-44,second,primary,farmer,197.0,4,none,1,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,67,55+,highest,tertiary,farmer,2510.42,10,limited,1,400,1,sacco,9908.77,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2019,urban,female,29,25-34,fourth,primary,employed_informal,405.21,7,limited,1,441,1,digital_lender,3021.92,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2025,urban,male,48,45-54,middle,primary,self_employed,398.79,2,good,0,458,1,informal_lender,1942.9,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2020,rural,male,24,18-24,highest,secondary,self_employed,678.74,4,good,1,470,1,digital_lender,8299.61,guarantor,asset_purchase,1,7467.1,0.424,24,443.18,current,not_applicable,moderate_burden
Malawi,2024,rural,female,27,25-34,second,tertiary,self_employed,100.04,10,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,55,45-54,lowest,tertiary,self_employed,229.45,10,none,1,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,64,55+,lowest,none,employed_informal,46.44,7,none,0,143,1,employer,6804.2,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2020,rural,female,27,25-34,second,tertiary,employed_formal,246.5,10,good,0,144,1,family_friends,2465.06,guarantor,education,1,2152.26,0.099,6,394.12,current,not_applicable,moderate_burden
Uganda,2019,rural,male,53,45-54,middle,primary,self_employed,153.77,9,limited,0,77,1,digital_lender,5635.38,none,business,1,4549.49,0.417,12,537.07,current,not_applicable,moderate_burden
Zambia,2022,urban,male,60,55+,fourth,primary,employed_informal,719.33,9,none,1,135,1,microfinance,5747.68,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2022,urban,male,20,18-24,second,secondary,self_employed,399.41,8,none,1,233,1,commercial_bank,7121.78,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2022,urban,female,40,35-44,second,primary,employed_informal,731.46,2,limited,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,male,28,25-34,middle,tertiary,self_employed,380.68,7,none,0,224,1,family_friends,5939.69,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2024,rural,male,18,18-24,middle,none,self_employed,423.75,3,good,0,850,1,family_friends,5539.91,savings,emergency,1,5334.61,0.084,12,481.76,current,not_applicable,moderate_burden
Tanzania,2018,urban,male,67,55+,fourth,secondary,self_employed,248.96,8,none,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,28,25-34,lowest,none,self_employed,12.22,8,none,1,94,1,digital_lender,1398.79,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2019,rural,male,26,25-34,second,primary,farmer,187.4,8,none,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,female,66,55+,lowest,tertiary,self_employed,83.4,10,good,1,117,1,commercial_bank,3115.57,equipment,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2019,rural,male,24,18-24,highest,secondary,employed_formal,235.06,7,good,1,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,18,18-24,middle,none,employed_formal,72.07,10,excellent,1,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,54,45-54,middle,none,employed_formal,90.88,10,good,1,850,1,commercial_bank,3441.19,guarantor,business,1,2960.07,0.171,18,192.59,current,not_applicable,moderate_burden
Niger,2021,rural,female,27,25-34,second,secondary,self_employed,519.79,1,limited,1,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,urban,female,57,55+,lowest,primary,farmer,51.26,1,none,1,0,1,microfinance,1268.71,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2022,urban,female,64,55+,middle,none,employed_formal,151.69,6,good,1,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,23,18-24,second,primary,farmer,382.93,7,limited,1,243,1,informal_lender,9435.12,none,housing,1,8163.9,0.797,12,1222.25,paid_off,not_applicable,moderate_burden
Niger,2022,urban,male,36,35-44,fourth,tertiary,unemployed,534.18,5,limited,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,male,22,18-24,second,primary,self_employed,55.64,9,none,0,0,1,sacco,1112.89,guarantor,business,1,1030.37,0.355,12,116.31,current,not_applicable,moderate_burden
DRC,2025,rural,female,36,35-44,lowest,secondary,farmer,51.58,5,good,1,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,65,55+,highest,tertiary,farmer,315.61,4,limited,0,803,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,65,55+,middle,primary,farmer,81.14,1,none,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,50,45-54,middle,none,farmer,870.22,3,none,1,537,1,sacco,16703.17,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2021,urban,female,63,55+,middle,none,self_employed,714.53,9,none,1,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,female,37,35-44,lowest,tertiary,employed_informal,56.09,3,limited,0,562,1,family_friends,1636.87,none,consumption,1,1530.93,0.005,24,64.11,current,not_applicable,moderate_burden
Ghana,2020,rural,female,22,18-24,highest,secondary,self_employed,442.76,3,none,0,497,1,microfinance,4775.38,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2025,urban,male,69,55+,middle,primary,employed_informal,343.34,8,limited,1,672,1,microfinance,2920.84,property,education,1,2538.94,0.328,24,140.51,current,not_applicable,moderate_burden
Ethiopia,2019,rural,male,28,25-34,lowest,primary,unemployed,32.25,1,limited,1,676,1,informal_lender,3613.11,property,business,1,3067.3,0.771,24,226.37,late_30_days,not_applicable,moderate_burden
Uganda,2018,rural,male,43,35-44,highest,primary,self_employed,412.55,9,none,0,205,1,family_friends,16704.75,savings,housing,1,15150.89,0.07,6,2702.36,late_30_days,not_applicable,moderate_burden
Nigeria,2024,rural,male,69,55+,highest,none,self_employed,1570.5,9,limited,1,845,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,31,25-34,lowest,none,unemployed,104.27,4,limited,1,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,40,35-44,highest,none,employed_informal,647.95,9,none,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,48,45-54,second,none,employed_formal,155.65,7,none,0,326,1,informal_lender,4219.29,savings,consumption,1,3599.07,0.777,18,355.24,current,not_applicable,moderate_burden
Rwanda,2023,rural,male,39,35-44,highest,tertiary,self_employed,459.25,9,limited,1,675,1,digital_lender,19172.78,none,business,1,18499.81,0.406,12,2168.07,current,not_applicable,moderate_burden
Rwanda,2023,rural,female,51,45-54,second,none,farmer,180.86,3,none,1,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,male,61,55+,lowest,secondary,self_employed,99.43,8,none,1,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,62,55+,lowest,none,employed_formal,24.85,10,none,1,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,male,59,55+,fourth,none,employed_formal,200.57,10,good,1,615,1,sacco,3563.77,vehicle,housing,1,3053.71,0.314,12,334.29,current,not_applicable,moderate_burden
Kenya,2021,rural,female,36,35-44,middle,secondary,self_employed,346.14,10,limited,1,266,1,microfinance,4589.16,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2024,urban,male,38,35-44,middle,secondary,employed_formal,268.11,9,none,0,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,18,18-24,middle,primary,self_employed,346.44,5,good,1,328,1,informal_lender,6096.32,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2018,urban,female,68,55+,fourth,secondary,employed_formal,392.34,10,none,1,46,1,microfinance,4369.31,guarantor,education,1,4008.89,0.297,6,866.69,current,not_applicable,moderate_burden
Malawi,2024,rural,female,26,25-34,fourth,primary,employed_informal,654.46,3,limited,0,701,1,family_friends,4132.63,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2020,rural,female,51,45-54,second,tertiary,farmer,189.9,9,limited,1,825,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,34,25-34,lowest,none,self_employed,39.14,5,none,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,65,55+,middle,secondary,self_employed,244.63,1,none,1,211,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,63,55+,fourth,primary,self_employed,237.72,1,none,1,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,65,55+,highest,primary,self_employed,1403.71,4,good,0,744,1,digital_lender,10897.7,property,agriculture,1,9647.3,0.486,6,2389.65,late_60_days,not_applicable,moderate_burden
Mali,2018,rural,female,21,18-24,fourth,primary,employed_informal,871.37,7,none,1,627,1,digital_lender,5555.01,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2018,rural,female,49,45-54,second,none,employed_informal,655.06,6,limited,0,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,male,61,55+,fourth,tertiary,self_employed,80.95,8,limited,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,37,35-44,highest,tertiary,employed_formal,422.46,8,limited,0,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,male,36,35-44,second,secondary,self_employed,196.92,8,limited,1,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,22,18-24,middle,primary,employed_formal,112.85,8,none,1,0,1,microfinance,3409.21,none,education,1,3275.65,0.34,12,365.87,late_60_days,not_applicable,moderate_burden
Nigeria,2018,urban,male,23,18-24,lowest,primary,employed_formal,36.57,10,none,0,514,1,informal_lender,1525.87,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2019,rural,female,47,45-54,fourth,tertiary,employed_informal,612.81,1,none,0,0,1,digital_lender,9540.57,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2025,rural,female,27,25-34,fourth,primary,self_employed,348.27,2,limited,0,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,female,69,55+,lowest,primary,employed_informal,88.28,1,good,1,774,1,commercial_bank,4135.98,guarantor,consumption,1,3849.63,0.135,12,364.05,current,not_applicable,moderate_burden
Ethiopia,2020,rural,female,68,55+,fourth,none,employed_formal,380.89,4,limited,1,711,1,microfinance,13334.57,guarantor,debt_consolidation,1,13061.51,0.289,6,2806.77,current,not_applicable,moderate_burden
South Africa,2018,rural,male,37,35-44,second,primary,self_employed,81.03,1,none,0,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,57,55+,middle,primary,self_employed,27.4,1,excellent,1,704,1,microfinance,4758.51,savings,education,1,4213.85,0.363,12,478.77,current,not_applicable,moderate_burden
Mali,2025,urban,male,56,55+,fourth,tertiary,employed_informal,588.13,2,none,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,40,35-44,second,secondary,self_employed,340.51,4,none,1,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,69,55+,lowest,primary,self_employed,55.07,9,limited,0,707,1,family_friends,2370.4,savings,consumption,1,2254.22,0.059,36,66.33,late_60_days,not_applicable,moderate_burden
Mozambique,2021,rural,male,56,55+,fourth,secondary,farmer,457.06,7,none,1,561,1,commercial_bank,4985.38,none,agriculture,1,4135.16,0.191,6,820.98,defaulted,not_applicable,moderate_burden
Mozambique,2025,urban,female,27,25-34,lowest,secondary,self_employed,185.58,10,none,0,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,male,26,25-34,lowest,primary,farmer,48.5,9,none,1,0,1,microfinance,4914.52,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2019,rural,female,49,45-54,middle,primary,employed_formal,704.23,9,limited,1,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,male,45,35-44,lowest,secondary,employed_formal,50.03,6,limited,0,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,male,44,35-44,second,primary,self_employed,150.44,3,none,0,655,1,digital_lender,5203.33,none,business,1,4845.21,0.449,24,292.47,late_30_days,not_applicable,moderate_burden
Uganda,2021,urban,male,53,45-54,middle,secondary,self_employed,249.75,3,good,1,305,1,family_friends,3237.5,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2021,rural,male,23,18-24,fourth,primary,self_employed,966.29,10,limited,0,24,1,digital_lender,3274.61,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2021,urban,female,25,18-24,second,secondary,self_employed,140.93,7,good,1,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,44,35-44,fourth,primary,unemployed,1622.67,3,none,1,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,56,55+,highest,none,employed_formal,452.29,9,none,1,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,female,44,35-44,middle,primary,self_employed,355.83,2,good,1,831,1,commercial_bank,2580.76,savings,business,1,2375.55,0.212,6,479.95,current,not_applicable,moderate_burden
Mozambique,2023,rural,female,23,18-24,fourth,secondary,employed_informal,308.96,9,none,1,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,43,35-44,lowest,none,self_employed,117.27,7,none,0,727,1,family_friends,1764.38,savings,business,1,1579.34,0.007,24,66.27,late_30_days,not_applicable,moderate_burden
Niger,2024,rural,female,59,55+,second,none,farmer,136.37,5,limited,0,245,1,family_friends,4061.23,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2022,rural,male,21,18-24,lowest,secondary,employed_formal,51.56,6,limited,1,97,1,microfinance,3859.16,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2025,rural,male,21,18-24,second,secondary,farmer,40.25,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,male,25,18-24,fourth,none,employed_formal,563.93,10,none,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,48,45-54,lowest,primary,farmer,123.97,8,good,1,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,56,55+,middle,tertiary,farmer,273.28,7,excellent,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,46,45-54,middle,tertiary,employed_informal,271.07,10,good,0,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,female,57,55+,lowest,secondary,employed_informal,34.04,6,good,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,20,18-24,middle,secondary,self_employed,326.72,2,none,1,697,1,sacco,3993.99,equipment,asset_purchase,1,3972.98,0.368,18,302.03,current,not_applicable,moderate_burden
Nigeria,2018,urban,male,27,25-34,highest,secondary,unemployed,1012.87,6,none,0,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,36,35-44,middle,primary,unemployed,231.18,5,none,0,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,male,59,55+,lowest,none,employed_informal,111.2,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,60,55+,middle,primary,self_employed,240.68,9,limited,0,720,1,digital_lender,7190.84,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2021,rural,male,53,45-54,second,none,employed_formal,132.91,4,limited,0,107,1,microfinance,4154.88,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2021,rural,male,50,45-54,second,secondary,self_employed,72.97,2,good,1,173,1,commercial_bank,3019.45,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2020,rural,male,49,45-54,highest,secondary,self_employed,1450.87,5,none,0,480,1,sacco,10203.73,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,rural,female,39,35-44,second,primary,farmer,50.75,8,limited,1,570,1,commercial_bank,2847.0,savings,agriculture,1,2534.91,0.226,18,172.62,defaulted,not_applicable,moderate_burden
Ghana,2021,rural,female,58,55+,second,tertiary,employed_informal,148.5,5,limited,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,27,25-34,lowest,secondary,farmer,25.03,4,none,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,urban,male,61,55+,second,primary,self_employed,551.57,1,good,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,53,45-54,fourth,none,employed_formal,257.22,10,good,0,104,1,family_friends,6222.98,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2019,urban,female,39,35-44,fourth,secondary,employed_informal,317.51,8,none,0,0,1,sacco,2220.56,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2023,urban,male,43,35-44,lowest,primary,employed_informal,266.6,10,good,0,834,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,male,29,25-34,middle,primary,employed_informal,644.54,5,good,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,56,55+,fourth,primary,employed_informal,422.04,6,none,1,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,32,25-34,fourth,secondary,employed_informal,669.38,3,none,1,746,1,sacco,3353.05,guarantor,agriculture,1,2797.46,0.31,18,203.63,current,not_applicable,moderate_burden
Niger,2019,rural,male,32,25-34,highest,secondary,employed_informal,1057.79,9,good,0,452,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,urban,female,39,35-44,middle,none,unemployed,395.48,1,limited,0,380,1,family_friends,6498.08,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2018,rural,female,61,55+,highest,primary,self_employed,2383.77,1,none,1,668,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,55,45-54,lowest,tertiary,farmer,125.87,6,none,0,617,1,sacco,7341.33,savings,education,1,6749.68,0.337,24,376.14,current,not_applicable,moderate_burden
Ghana,2022,rural,female,32,25-34,second,tertiary,employed_informal,26.64,1,good,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,66,55+,highest,primary,employed_informal,423.15,4,good,0,494,1,family_friends,5814.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,urban,female,57,55+,fourth,primary,self_employed,380.07,3,none,1,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,male,52,45-54,middle,secondary,employed_formal,131.37,10,limited,0,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,29,25-34,fourth,secondary,farmer,298.09,10,none,0,153,1,family_friends,9233.84,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2018,urban,male,19,18-24,highest,primary,employed_informal,1244.43,8,none,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,male,65,55+,second,secondary,self_employed,160.22,10,limited,1,263,1,informal_lender,4504.96,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2020,rural,male,36,35-44,middle,none,self_employed,213.83,1,none,0,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,38,35-44,second,tertiary,unemployed,49.32,6,limited,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,52,45-54,lowest,secondary,self_employed,33.37,4,limited,0,460,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,20,18-24,middle,none,self_employed,614.66,6,limited,0,4,1,sacco,4018.41,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2022,urban,female,56,55+,middle,tertiary,employed_informal,557.79,8,limited,1,60,1,informal_lender,9930.45,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,urban,female,19,18-24,middle,none,unemployed,105.57,1,none,1,362,1,commercial_bank,3081.39,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,rural,male,34,25-34,fourth,primary,self_employed,1061.54,8,good,1,791,1,commercial_bank,4152.7,none,education,1,3909.9,0.179,18,256.07,current,not_applicable,moderate_burden
Niger,2025,rural,male,57,55+,middle,primary,self_employed,129.75,7,none,1,736,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,male,50,45-54,second,primary,self_employed,250.96,5,good,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,female,56,55+,second,secondary,farmer,64.7,9,limited,1,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,55,45-54,second,tertiary,unemployed,153.04,1,good,1,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,68,55+,fourth,secondary,self_employed,245.46,4,none,0,198,1,microfinance,2332.96,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2024,rural,female,59,55+,middle,secondary,self_employed,151.77,1,none,1,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,33,25-34,highest,tertiary,self_employed,1047.1,8,excellent,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,52,45-54,middle,secondary,unemployed,143.49,5,good,1,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,40,35-44,highest,primary,farmer,513.62,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,31,25-34,fourth,secondary,self_employed,757.28,10,limited,0,236,1,informal_lender,10750.47,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2020,rural,male,49,45-54,second,secondary,employed_informal,110.1,5,none,1,470,1,commercial_bank,1423.83,guarantor,housing,1,1379.42,0.159,48,33.31,paid_off,not_applicable,moderate_burden
Mali,2019,rural,female,19,18-24,highest,none,employed_informal,1388.84,1,good,0,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,male,65,55+,lowest,primary,employed_formal,317.23,10,limited,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,41,35-44,middle,secondary,unemployed,94.62,5,none,1,383,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,25,18-24,fourth,secondary,self_employed,279.46,4,limited,0,685,1,employer,4189.39,savings,housing,1,3688.84,0.057,12,325.02,late_30_days,not_applicable,moderate_burden
Senegal,2023,rural,male,38,35-44,middle,tertiary,employed_formal,50.13,10,limited,0,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,female,50,45-54,middle,none,employed_formal,112.92,9,limited,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,56,55+,lowest,secondary,employed_informal,226.49,5,excellent,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,female,59,55+,highest,primary,employed_formal,1299.48,5,limited,0,351,1,family_friends,20653.06,none,education,1,20060.5,0.041,12,1739.99,late_60_days,not_applicable,moderate_burden
Niger,2021,urban,male,67,55+,lowest,none,farmer,74.84,7,none,0,127,1,family_friends,1434.96,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2021,urban,female,63,55+,middle,primary,self_employed,659.55,5,limited,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,39,35-44,lowest,primary,self_employed,49.26,7,limited,0,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,63,55+,middle,secondary,employed_formal,121.66,7,excellent,0,322,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,female,19,18-24,middle,secondary,self_employed,253.99,10,none,0,379,1,family_friends,14052.6,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2021,rural,female,21,18-24,lowest,secondary,self_employed,32.98,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,48,45-54,middle,tertiary,farmer,186.98,1,limited,0,362,1,employer,8883.14,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2025,rural,male,56,55+,second,tertiary,employed_informal,155.27,2,good,0,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,male,32,25-34,fourth,secondary,self_employed,220.96,4,excellent,0,452,1,microfinance,6305.77,savings,education,1,6043.94,0.287,6,1296.7,late_60_days,not_applicable,moderate_burden
Tanzania,2019,rural,female,22,18-24,fourth,secondary,farmer,471.4,7,none,1,492,1,commercial_bank,4283.78,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2025,rural,male,38,35-44,lowest,primary,unemployed,120.5,1,limited,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,39,35-44,lowest,none,self_employed,67.81,8,limited,1,514,1,microfinance,3413.65,equipment,housing,1,2843.59,0.271,12,301.27,paid_off,not_applicable,moderate_burden
Niger,2021,rural,male,43,35-44,second,tertiary,self_employed,94.23,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,29,25-34,lowest,none,self_employed,290.73,4,limited,1,383,1,sacco,2178.85,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2024,rural,male,63,55+,fourth,secondary,farmer,240.53,6,good,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,female,22,18-24,lowest,none,farmer,57.02,10,limited,0,657,1,family_friends,1793.99,guarantor,asset_purchase,1,1573.02,0.007,6,264.1,current,not_applicable,moderate_burden
Nigeria,2019,rural,female,31,25-34,highest,none,self_employed,2034.61,2,none,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,34,25-34,middle,secondary,self_employed,171.85,2,none,0,148,1,commercial_bank,2705.97,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2024,rural,female,67,55+,lowest,secondary,employed_informal,71.77,10,none,1,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,40,35-44,middle,secondary,employed_informal,709.55,5,none,0,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,24,18-24,second,secondary,unemployed,43.3,1,limited,0,307,1,family_friends,3304.46,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2021,rural,female,42,35-44,fourth,secondary,unemployed,195.22,1,none,0,131,1,sacco,2601.03,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2021,rural,female,36,35-44,middle,primary,employed_informal,323.27,9,none,1,0,1,commercial_bank,8637.43,property,emergency,1,7623.46,0.154,36,244.4,paid_off,not_applicable,moderate_burden
Mali,2024,rural,female,27,25-34,lowest,secondary,farmer,41.73,4,limited,1,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,male,51,45-54,fourth,primary,farmer,321.36,8,none,0,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,male,44,35-44,lowest,secondary,farmer,209.03,8,excellent,0,255,1,digital_lender,2337.27,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2020,rural,male,60,55+,second,secondary,self_employed,136.97,1,none,1,196,1,commercial_bank,3860.38,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2022,rural,female,42,35-44,highest,tertiary,unemployed,763.23,1,none,0,847,1,informal_lender,3422.13,property,housing,1,3010.42,0.813,12,454.84,current,not_applicable,moderate_burden
Senegal,2024,rural,male,33,25-34,second,secondary,employed_formal,135.32,10,none,0,108,1,informal_lender,3961.17,none,business,1,3866.16,0.758,6,1132.51,current,not_applicable,moderate_burden
Rwanda,2021,urban,male,63,55+,fourth,primary,unemployed,1008.28,2,limited,0,128,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,20,18-24,second,secondary,employed_informal,250.54,1,limited,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,36,35-44,highest,none,self_employed,487.97,7,limited,1,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,54,45-54,second,secondary,self_employed,93.51,1,none,0,520,1,sacco,1478.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2018,urban,male,68,55+,middle,primary,self_employed,697.51,1,none,0,284,1,sacco,10418.23,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2023,rural,female,37,35-44,second,primary,unemployed,123.28,1,none,0,502,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,65,55+,second,secondary,farmer,89.03,1,good,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,male,34,25-34,lowest,secondary,self_employed,156.29,7,none,1,689,1,commercial_bank,1472.49,none,business,1,1290.35,0.145,18,82.11,paid_off,not_applicable,moderate_burden
Senegal,2023,rural,female,66,55+,second,primary,self_employed,428.86,3,none,0,735,1,sacco,9435.46,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2020,urban,male,26,25-34,lowest,none,self_employed,58.35,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,female,39,35-44,second,secondary,farmer,120.48,5,good,0,332,1,digital_lender,3626.69,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2020,urban,female,19,18-24,second,primary,employed_informal,115.93,3,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,43,35-44,second,primary,unemployed,186.96,1,limited,0,745,1,informal_lender,2981.82,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,urban,male,33,25-34,lowest,primary,self_employed,79.35,4,none,0,468,1,digital_lender,1672.11,savings,business,1,1626.36,0.495,12,202.64,current,not_applicable,moderate_burden
Zambia,2024,rural,female,18,18-24,second,none,employed_formal,290.49,9,limited,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,27,25-34,fourth,secondary,employed_informal,687.71,5,none,1,14,1,informal_lender,5754.47,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2024,rural,female,46,45-54,second,primary,employed_informal,73.51,9,limited,1,511,1,commercial_bank,4361.14,property,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2018,rural,female,25,18-24,lowest,primary,farmer,26.66,9,none,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,48,45-54,fourth,none,farmer,338.13,10,limited,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,29,25-34,lowest,secondary,self_employed,112.97,9,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,female,39,35-44,highest,secondary,employed_informal,1001.09,7,none,1,219,1,informal_lender,3881.42,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2023,urban,female,67,55+,highest,none,employed_informal,687.34,9,none,1,520,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,32,25-34,middle,tertiary,farmer,136.63,9,none,1,79,1,microfinance,10056.02,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2022,rural,male,68,55+,highest,primary,self_employed,392.39,3,none,0,843,1,digital_lender,9340.7,guarantor,agriculture,1,8142.68,0.453,24,493.0,paid_off,not_applicable,moderate_burden
Malawi,2023,rural,male,59,55+,second,primary,self_employed,339.26,6,none,1,591,1,family_friends,2205.09,guarantor,consumption,1,1820.4,0.045,12,158.56,current,not_applicable,moderate_burden
Zambia,2018,rural,female,26,25-34,middle,tertiary,employed_informal,309.85,10,none,1,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,female,53,45-54,highest,primary,employed_formal,806.64,5,good,0,850,1,family_friends,6956.25,guarantor,business,1,5882.04,0.057,18,345.4,current,not_applicable,moderate_burden
Zambia,2024,rural,female,26,25-34,middle,primary,farmer,187.42,5,good,1,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,40,35-44,middle,none,self_employed,438.98,1,none,0,441,1,informal_lender,6892.36,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2022,rural,male,57,55+,highest,primary,self_employed,2317.5,5,none,0,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,64,55+,lowest,primary,unemployed,63.02,1,none,0,463,1,commercial_bank,2836.33,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2022,rural,male,19,18-24,second,none,employed_informal,206.08,4,limited,0,817,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,28,25-34,highest,primary,employed_informal,1029.76,5,none,1,750,1,microfinance,21007.62,guarantor,debt_consolidation,1,20537.13,0.331,18,1518.48,late_60_days,not_applicable,moderate_burden
Kenya,2021,urban,male,32,25-34,highest,primary,self_employed,580.05,10,none,1,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,43,35-44,lowest,none,farmer,70.38,5,none,0,143,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,66,55+,lowest,primary,self_employed,45.31,4,none,0,254,1,microfinance,2206.69,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2021,urban,male,43,35-44,fourth,primary,employed_formal,815.32,10,limited,0,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,39,35-44,fourth,primary,employed_informal,251.96,5,limited,0,735,1,sacco,1628.3,none,housing,1,1601.49,0.328,12,177.23,current,not_applicable,moderate_burden
Nigeria,2025,urban,female,65,55+,lowest,primary,unemployed,50.5,4,limited,1,228,1,commercial_bank,680.65,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2019,urban,female,55,45-54,highest,none,employed_formal,1691.54,7,none,0,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,male,51,45-54,lowest,secondary,self_employed,62.13,6,limited,1,20,1,commercial_bank,768.26,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2018,urban,female,58,55+,second,none,self_employed,221.33,3,limited,1,409,1,commercial_bank,3535.52,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2020,rural,female,40,35-44,lowest,primary,employed_informal,32.78,5,none,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,female,49,45-54,fourth,secondary,employed_informal,1006.79,4,limited,0,97,1,sacco,14810.94,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2025,urban,female,24,18-24,second,none,farmer,195.31,10,limited,0,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,42,35-44,second,none,employed_informal,217.62,8,limited,1,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,male,31,25-34,middle,primary,self_employed,291.03,9,limited,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,male,67,55+,lowest,primary,self_employed,137.76,7,limited,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,39,35-44,middle,secondary,self_employed,337.3,7,none,0,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,female,42,35-44,lowest,primary,employed_formal,149.44,10,none,0,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,60,55+,lowest,none,employed_formal,89.24,10,limited,1,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,56,55+,highest,primary,self_employed,1992.44,9,none,1,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,25,18-24,highest,none,farmer,913.58,9,limited,0,197,1,family_friends,4926.07,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2019,rural,female,21,18-24,lowest,secondary,employed_formal,87.6,10,none,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,54,45-54,second,secondary,employed_formal,263.62,10,good,0,806,1,employer,810.29,property,education,1,684.6,0.094,18,41.63,paid_off,not_applicable,moderate_burden
Tanzania,2024,urban,female,51,45-54,middle,tertiary,farmer,288.88,2,excellent,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,male,44,35-44,middle,tertiary,employed_informal,223.61,6,none,1,217,1,digital_lender,2748.08,none,asset_purchase,1,2591.43,0.459,6,630.29,paid_off,not_applicable,moderate_burden
South Africa,2023,rural,male,69,55+,second,primary,self_employed,122.3,6,limited,0,816,1,digital_lender,1299.32,property,business,1,1117.67,0.401,12,130.47,current,not_applicable,moderate_burden
Nigeria,2018,rural,female,19,18-24,fourth,secondary,employed_informal,192.62,7,limited,0,813,1,digital_lender,6541.02,none,business,1,6461.39,0.43,6,1540.33,current,not_applicable,moderate_burden
Mozambique,2025,urban,female,51,45-54,lowest,secondary,self_employed,120.37,1,good,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,56,55+,second,tertiary,employed_formal,166.85,9,none,0,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,22,18-24,highest,primary,self_employed,266.03,2,none,1,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,33,25-34,middle,tertiary,employed_formal,249.11,10,none,0,292,1,digital_lender,5231.76,property,asset_purchase,1,4774.43,0.453,12,578.1,current,not_applicable,moderate_burden
Kenya,2024,rural,female,55,45-54,lowest,primary,employed_informal,42.57,10,none,1,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,58,55+,middle,secondary,employed_informal,367.83,7,good,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,48,45-54,lowest,primary,employed_informal,87.8,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,36,35-44,fourth,primary,self_employed,350.24,4,none,0,0,1,family_friends,7737.43,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2024,urban,male,58,55+,fourth,secondary,employed_informal,523.31,9,none,0,481,1,microfinance,9261.36,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2018,rural,male,57,55+,lowest,secondary,employed_informal,67.58,9,good,1,754,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,35,25-34,middle,secondary,employed_informal,284.62,10,limited,1,302,1,digital_lender,8833.83,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2025,rural,male,44,35-44,second,tertiary,unemployed,95.12,1,none,0,0,1,microfinance,3498.41,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2019,rural,female,26,25-34,second,secondary,employed_informal,84.98,7,good,1,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,male,44,35-44,middle,none,employed_informal,140.06,8,excellent,0,428,1,microfinance,1458.24,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2024,rural,male,64,55+,second,primary,employed_formal,38.3,10,good,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,female,52,45-54,highest,primary,farmer,714.67,10,limited,0,606,1,informal_lender,7196.92,none,business,1,6605.86,0.829,6,2013.63,late_30_days,not_applicable,moderate_burden
Mali,2024,rural,male,24,18-24,middle,secondary,employed_formal,26.85,8,none,0,378,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,female,54,45-54,second,primary,employed_informal,163.93,2,good,1,318,1,sacco,4260.9,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2023,urban,male,58,55+,middle,secondary,employed_informal,126.13,7,good,1,631,1,sacco,4344.1,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2020,rural,female,65,55+,lowest,primary,employed_informal,97.78,1,excellent,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,37,35-44,second,secondary,employed_informal,117.91,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,48,45-54,lowest,tertiary,employed_informal,36.36,8,limited,1,757,1,employer,1579.92,property,business,1,1466.08,0.001,6,244.54,current,not_applicable,moderate_burden
Ethiopia,2018,rural,female,18,18-24,lowest,secondary,self_employed,52.03,10,none,0,342,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,49,45-54,highest,primary,self_employed,999.8,5,limited,0,712,1,family_friends,14580.26,none,education,1,12935.1,0.09,24,587.69,late_30_days,not_applicable,moderate_burden
Nigeria,2019,rural,male,35,25-34,lowest,primary,self_employed,14.64,3,none,0,423,1,commercial_bank,1250.89,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2019,rural,female,29,25-34,lowest,tertiary,self_employed,51.87,2,limited,0,741,1,commercial_bank,5487.05,none,consumption,1,4701.48,0.15,48,112.63,current,not_applicable,moderate_burden
Kenya,2025,urban,male,60,55+,second,secondary,farmer,344.03,3,limited,1,302,1,commercial_bank,2418.45,equipment,asset_purchase,1,2303.28,0.209,18,154.65,current,not_applicable,moderate_burden
Ethiopia,2022,rural,male,33,25-34,lowest,secondary,employed_informal,15.3,3,limited,1,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,37,35-44,lowest,primary,unemployed,107.49,3,none,1,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,female,24,18-24,fourth,primary,unemployed,310.24,3,good,1,850,1,digital_lender,10684.72,property,education,1,10020.36,0.466,18,816.05,current,not_applicable,moderate_burden
Ghana,2019,urban,female,21,18-24,lowest,primary,self_employed,180.65,7,limited,0,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,male,69,55+,fourth,primary,self_employed,131.29,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,55,45-54,second,secondary,farmer,101.8,8,good,0,846,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,69,55+,middle,none,employed_informal,584.6,7,good,0,259,1,sacco,4902.84,none,emergency,1,4076.71,0.317,24,223.79,late_60_days,not_applicable,moderate_burden
Tanzania,2025,rural,female,69,55+,lowest,primary,self_employed,19.88,4,none,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,47,45-54,second,secondary,farmer,46.93,7,good,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,27,25-34,second,tertiary,farmer,624.51,3,limited,0,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,urban,female,37,35-44,lowest,tertiary,employed_informal,60.08,3,excellent,1,850,1,employer,4360.47,vehicle,business,1,3816.49,0.085,24,172.57,paid_off,not_applicable,moderate_burden
Nigeria,2025,rural,male,48,45-54,fourth,none,self_employed,325.08,9,limited,1,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,male,21,18-24,fourth,primary,self_employed,812.32,3,none,1,466,1,family_friends,3853.47,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2019,rural,female,64,55+,middle,secondary,employed_formal,304.76,8,none,0,365,1,family_friends,6944.53,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2018,rural,male,25,18-24,highest,tertiary,employed_formal,184.66,7,none,0,661,1,informal_lender,2758.14,vehicle,education,1,2710.88,0.784,36,134.34,current,not_applicable,moderate_burden
Mozambique,2019,rural,female,37,35-44,middle,primary,farmer,165.61,6,none,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,24,18-24,lowest,secondary,farmer,61.63,4,none,0,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,24,18-24,lowest,tertiary,employed_formal,75.63,9,good,0,850,1,informal_lender,9270.1,vehicle,consumption,1,9086.88,0.837,6,2782.31,current,not_applicable,moderate_burden
Uganda,2019,urban,male,55,45-54,lowest,none,self_employed,157.83,9,limited,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,male,35,25-34,fourth,secondary,unemployed,205.48,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,20,18-24,middle,none,farmer,387.03,8,good,1,823,1,sacco,6673.55,property,agriculture,1,6223.64,0.367,24,354.5,current,not_applicable,moderate_burden
Nigeria,2020,urban,male,43,35-44,second,secondary,employed_informal,807.97,1,limited,1,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,male,55,45-54,fourth,primary,employed_informal,921.28,6,none,1,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,54,45-54,second,primary,farmer,82.34,9,none,0,362,1,microfinance,3285.29,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2020,rural,female,33,25-34,fourth,tertiary,employed_informal,335.86,2,none,1,718,1,informal_lender,6887.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ghana,2019,urban,male,40,35-44,lowest,primary,farmer,163.76,2,limited,0,849,1,informal_lender,3230.08,equipment,agriculture,1,3090.19,0.773,24,228.32,defaulted,not_applicable,moderate_burden
Ghana,2021,rural,female,28,25-34,highest,tertiary,self_employed,369.93,8,none,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,female,65,55+,second,secondary,employed_informal,559.44,8,none,1,0,1,digital_lender,7171.86,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2018,urban,male,62,55+,fourth,tertiary,self_employed,879.32,8,limited,0,212,1,informal_lender,10323.43,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,urban,female,53,45-54,middle,primary,employed_informal,286.31,4,good,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,20,18-24,second,secondary,self_employed,201.75,3,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,60,55+,lowest,tertiary,employed_informal,36.33,5,good,1,242,1,commercial_bank,798.58,none,business,1,796.3,0.188,24,39.41,late_30_days,not_applicable,moderate_burden
Mali,2021,rural,male,37,35-44,fourth,primary,self_employed,495.54,10,none,0,299,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,female,18,18-24,lowest,secondary,farmer,48.29,3,limited,0,617,1,informal_lender,1825.9,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2018,urban,male,26,25-34,fourth,secondary,self_employed,819.31,10,good,1,234,1,commercial_bank,16752.81,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2019,rural,female,45,35-44,fourth,tertiary,farmer,437.2,1,none,1,401,1,microfinance,8833.99,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2023,rural,female,35,25-34,highest,secondary,self_employed,3785.52,7,limited,1,271,1,commercial_bank,13786.75,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2022,urban,male,62,55+,middle,none,self_employed,85.54,4,good,0,517,1,informal_lender,3006.02,savings,housing,1,2937.59,0.767,12,432.49,current,not_applicable,moderate_burden
Mali,2019,rural,female,61,55+,lowest,secondary,employed_informal,31.37,8,none,0,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,68,55+,middle,none,employed_formal,57.88,8,good,0,237,1,informal_lender,2422.97,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2025,rural,female,59,55+,second,secondary,employed_informal,280.6,7,good,0,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,male,50,45-54,second,tertiary,employed_formal,99.15,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,female,51,45-54,highest,tertiary,employed_informal,873.08,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,male,56,55+,middle,tertiary,farmer,394.67,9,good,0,482,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,40,35-44,fourth,secondary,unemployed,695.36,1,none,1,744,1,commercial_bank,4862.67,none,consumption,1,4574.61,0.173,48,111.81,current,not_applicable,moderate_burden
Mozambique,2019,urban,female,57,55+,middle,primary,self_employed,170.82,5,limited,1,751,1,digital_lender,3805.28,guarantor,business,1,3070.34,0.474,12,377.2,current,not_applicable,moderate_burden
Uganda,2023,rural,male,65,55+,lowest,secondary,self_employed,48.71,8,none,0,365,1,informal_lender,2087.88,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2023,urban,male,50,45-54,middle,secondary,unemployed,367.53,6,limited,1,510,1,digital_lender,3975.39,guarantor,emergency,1,3938.34,0.413,12,463.8,current,not_applicable,moderate_burden
Nigeria,2024,rural,male,52,45-54,second,primary,self_employed,215.83,5,limited,0,118,1,employer,1918.33,guarantor,business,1,1834.17,0.033,12,157.91,current,not_applicable,moderate_burden
Malawi,2022,rural,male,46,45-54,highest,secondary,farmer,554.79,4,none,0,213,1,digital_lender,33814.15,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2020,urban,female,23,18-24,second,secondary,employed_informal,150.46,1,limited,1,14,1,commercial_bank,10445.75,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2025,urban,male,58,55+,lowest,secondary,farmer,28.97,6,none,0,724,1,commercial_bank,944.32,guarantor,education,1,816.64,0.197,12,81.47,paid_off,not_applicable,moderate_burden
Tanzania,2018,urban,female,66,55+,second,primary,employed_informal,261.95,2,limited,1,426,1,family_friends,8104.12,none,emergency,1,7663.61,0.004,6,1282.88,current,not_applicable,moderate_burden
Zambia,2021,urban,male,29,25-34,lowest,tertiary,unemployed,63.26,1,limited,0,366,1,digital_lender,2999.1,savings,debt_consolidation,1,2528.07,0.486,12,313.16,defaulted,not_applicable,moderate_burden
Tanzania,2024,rural,male,66,55+,highest,primary,employed_informal,823.0,7,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,64,55+,highest,tertiary,employed_formal,317.57,10,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,41,35-44,fourth,tertiary,self_employed,595.98,4,limited,0,307,1,family_friends,4377.1,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2019,rural,female,62,55+,second,secondary,farmer,309.61,8,good,0,204,1,family_friends,1995.64,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2020,rural,male,22,18-24,highest,none,farmer,440.46,3,limited,1,441,1,family_friends,26951.65,none,business,1,21576.45,0.014,24,912.01,current,not_applicable,moderate_burden
Ethiopia,2018,rural,male,44,35-44,middle,primary,employed_informal,776.84,10,none,1,240,1,informal_lender,5014.48,property,agriculture,1,4556.27,0.79,36,226.52,late_30_days,not_applicable,moderate_burden
Senegal,2019,rural,female,60,55+,second,secondary,employed_informal,177.68,5,none,1,33,1,microfinance,2247.14,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2021,rural,male,49,45-54,lowest,primary,employed_formal,146.04,10,limited,1,544,1,microfinance,2970.26,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2019,rural,female,25,18-24,fourth,tertiary,employed_informal,755.53,8,none,1,89,1,sacco,10224.28,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2021,rural,female,64,55+,middle,secondary,employed_informal,175.81,5,limited,1,828,1,family_friends,4230.48,property,agriculture,1,4207.03,0.052,6,737.34,current,not_applicable,moderate_burden
South Africa,2024,urban,female,58,55+,lowest,secondary,unemployed,193.07,3,limited,1,591,1,sacco,3495.67,property,agriculture,1,3339.34,0.364,12,379.71,current,not_applicable,moderate_burden
Nigeria,2022,urban,male,45,35-44,fourth,secondary,self_employed,434.67,3,limited,1,350,1,digital_lender,7186.29,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2023,rural,male,69,55+,lowest,secondary,employed_informal,79.25,1,limited,0,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,50,45-54,fourth,primary,farmer,623.33,6,none,1,53,1,sacco,2208.48,guarantor,business,1,1785.5,0.29,12,191.87,current,not_applicable,moderate_burden
Uganda,2021,urban,male,63,55+,second,none,self_employed,98.55,7,limited,1,424,1,digital_lender,4943.57,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Niger,2020,rural,female,62,55+,fourth,primary,unemployed,268.76,1,none,0,0,1,sacco,4663.56,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2018,rural,female,29,25-34,middle,primary,self_employed,308.96,7,good,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,18,18-24,second,tertiary,employed_informal,354.08,4,good,0,644,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,66,55+,highest,primary,employed_informal,1970.49,10,limited,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,18,18-24,highest,primary,employed_formal,416.28,10,limited,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,male,18,18-24,fourth,primary,unemployed,139.21,1,good,1,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,male,36,35-44,middle,primary,farmer,299.67,5,none,1,354,1,microfinance,3430.37,savings,emergency,1,3205.28,0.353,24,180.64,late_60_days,not_applicable,moderate_burden
Zambia,2023,urban,female,39,35-44,second,secondary,self_employed,143.28,5,none,1,401,1,commercial_bank,1885.69,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2023,rural,female,36,35-44,lowest,secondary,farmer,46.15,8,none,1,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,female,62,55+,fourth,none,employed_informal,393.23,7,none,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,female,68,55+,lowest,none,unemployed,95.96,1,good,0,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,34,25-34,middle,primary,self_employed,217.47,10,none,1,146,1,sacco,6517.82,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2025,urban,female,64,55+,middle,none,self_employed,255.23,5,good,0,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,male,50,45-54,second,secondary,farmer,33.37,4,none,1,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,62,55+,fourth,tertiary,unemployed,1095.05,4,none,0,438,1,family_friends,19614.85,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2025,rural,female,50,45-54,lowest,secondary,farmer,61.05,7,none,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,female,18,18-24,lowest,secondary,self_employed,218.77,2,none,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,65,55+,lowest,primary,employed_informal,193.85,3,limited,1,392,1,commercial_bank,1954.72,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2024,urban,male,48,45-54,fourth,secondary,unemployed,472.74,5,limited,0,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,23,18-24,fourth,none,self_employed,1717.08,3,good,1,621,1,digital_lender,9022.18,property,housing,1,7903.76,0.493,6,1967.0,late_30_days,not_applicable,moderate_burden
Rwanda,2025,rural,male,35,25-34,second,secondary,self_employed,128.86,9,good,1,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,male,68,55+,middle,none,employed_formal,176.41,10,limited,0,618,1,informal_lender,11451.87,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2019,urban,female,38,35-44,fourth,secondary,employed_informal,584.98,3,limited,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,male,20,18-24,lowest,secondary,unemployed,49.13,4,none,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,66,55+,middle,tertiary,self_employed,140.63,4,none,1,189,1,commercial_bank,1760.39,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2022,urban,female,58,55+,second,secondary,employed_informal,63.55,5,none,1,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,34,25-34,middle,primary,employed_formal,249.0,10,none,1,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,18,18-24,highest,primary,self_employed,1102.42,4,limited,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,45,35-44,second,secondary,self_employed,110.74,3,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,27,25-34,fourth,primary,farmer,262.68,7,none,0,0,1,informal_lender,1650.59,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2023,urban,female,21,18-24,lowest,primary,self_employed,107.73,3,limited,0,635,1,digital_lender,2067.83,guarantor,business,1,1948.17,0.461,12,237.24,current,not_applicable,moderate_burden
South Africa,2021,rural,female,27,25-34,highest,primary,employed_informal,783.36,3,none,0,682,1,employer,6211.85,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2018,urban,male,55,45-54,fourth,primary,self_employed,1768.77,1,none,0,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,female,31,25-34,middle,none,employed_formal,93.95,4,none,1,128,1,informal_lender,3223.35,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2024,rural,female,27,25-34,lowest,secondary,employed_informal,144.47,6,none,0,522,1,family_friends,3233.23,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2018,rural,female,45,35-44,lowest,none,employed_informal,160.89,1,limited,1,70,1,family_friends,2118.92,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2019,urban,male,60,55+,second,primary,employed_informal,85.15,5,limited,1,415,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,28,25-34,highest,primary,employed_informal,1588.84,8,none,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,65,55+,lowest,primary,self_employed,55.46,4,good,1,383,1,commercial_bank,2021.55,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2024,rural,male,60,55+,middle,primary,self_employed,542.03,5,good,1,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,58,55+,middle,primary,employed_informal,131.14,2,good,0,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,59,55+,fourth,secondary,self_employed,543.88,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,52,45-54,lowest,primary,farmer,40.79,6,limited,1,123,1,digital_lender,2534.5,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2018,urban,male,57,55+,highest,primary,farmer,1183.39,9,none,1,704,1,commercial_bank,9222.36,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2018,rural,female,22,18-24,second,primary,self_employed,803.12,2,good,1,850,1,commercial_bank,5330.84,savings,housing,1,4437.36,0.189,6,879.38,current,not_applicable,moderate_burden
Nigeria,2022,urban,female,54,45-54,lowest,secondary,employed_informal,109.92,3,none,1,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,female,57,55+,second,primary,employed_informal,291.58,9,none,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,male,24,18-24,second,none,unemployed,205.44,2,none,0,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,61,55+,lowest,tertiary,self_employed,55.34,10,none,1,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,female,62,55+,lowest,none,employed_informal,190.85,1,limited,0,55,1,family_friends,6665.27,none,asset_purchase,1,5796.81,0.052,12,508.41,late_30_days,not_applicable,moderate_burden
Ethiopia,2019,urban,male,53,45-54,highest,primary,farmer,984.58,5,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,46,45-54,second,none,self_employed,99.52,3,excellent,1,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,56,55+,middle,primary,self_employed,91.73,7,good,1,850,1,microfinance,3079.99,equipment,business,1,2609.8,0.274,24,138.53,paid_off,not_applicable,moderate_burden
Uganda,2024,urban,female,38,35-44,lowest,primary,employed_informal,69.95,2,none,0,0,1,family_friends,4074.24,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2022,urban,male,63,55+,lowest,tertiary,self_employed,144.2,4,none,1,247,1,digital_lender,2963.17,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2021,urban,male,60,55+,lowest,secondary,employed_informal,39.26,2,none,1,661,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,female,52,45-54,second,none,employed_informal,108.08,6,limited,1,532,1,digital_lender,1437.83,vehicle,asset_purchase,1,1306.39,0.49,12,162.24,paid_off,not_applicable,moderate_burden
DRC,2020,rural,female,55,45-54,fourth,secondary,self_employed,381.19,10,good,0,740,1,microfinance,2223.97,savings,asset_purchase,1,1903.39,0.348,12,213.74,current,not_applicable,moderate_burden
Ethiopia,2021,rural,female,42,35-44,lowest,none,employed_informal,62.01,1,limited,1,377,1,commercial_bank,3057.9,savings,business,1,2787.68,0.205,12,279.85,late_30_days,not_applicable,moderate_burden
Malawi,2022,rural,male,21,18-24,lowest,none,employed_informal,69.59,3,limited,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,female,20,18-24,highest,secondary,employed_formal,1766.86,10,none,1,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,female,43,35-44,second,none,employed_formal,161.79,9,none,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,24,18-24,highest,tertiary,employed_formal,220.06,7,none,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,female,58,55+,middle,none,employed_formal,660.64,10,none,0,440,1,informal_lender,9682.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2020,urban,male,22,18-24,fourth,tertiary,self_employed,529.48,10,none,0,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,male,47,45-54,middle,primary,self_employed,232.73,6,none,0,388,1,commercial_bank,2280.29,vehicle,education,1,2184.43,0.217,24,110.75,current,not_applicable,moderate_burden
Tanzania,2019,rural,male,59,55+,fourth,primary,unemployed,748.95,1,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,20,18-24,second,primary,self_employed,45.69,6,limited,1,515,1,commercial_bank,2626.91,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2023,urban,female,30,25-34,lowest,primary,self_employed,53.44,8,excellent,1,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,46,45-54,lowest,secondary,farmer,23.88,8,limited,1,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,male,56,55+,second,primary,self_employed,63.69,7,none,1,362,1,commercial_bank,3599.3,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2020,urban,female,51,45-54,highest,tertiary,employed_informal,939.46,8,excellent,0,363,1,sacco,22743.52,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2025,rural,female,56,55+,middle,primary,employed_formal,229.26,10,none,0,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,30,25-34,lowest,secondary,self_employed,67.56,9,none,0,622,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,21,18-24,lowest,none,self_employed,48.35,2,limited,0,711,1,digital_lender,3302.52,savings,agriculture,1,2814.41,0.475,12,346.0,current,not_applicable,moderate_burden
Tanzania,2019,urban,male,45,35-44,fourth,primary,self_employed,1755.02,2,none,0,451,1,sacco,6702.8,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2020,urban,male,35,25-34,fourth,none,employed_informal,302.37,1,none,1,589,1,commercial_bank,7624.99,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2019,urban,male,65,55+,second,none,employed_formal,206.53,10,none,0,698,1,informal_lender,10471.34,none,emergency,1,9042.52,0.833,48,345.37,late_30_days,not_applicable,moderate_burden
Mozambique,2019,urban,female,18,18-24,lowest,none,employed_informal,128.75,4,none,0,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,61,55+,highest,tertiary,unemployed,1942.9,2,excellent,1,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,53,45-54,highest,primary,unemployed,444.62,5,none,1,738,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,female,31,25-34,middle,secondary,farmer,192.55,7,limited,1,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,20,18-24,middle,tertiary,unemployed,534.83,5,limited,1,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,male,24,18-24,fourth,secondary,employed_formal,585.1,10,none,0,0,1,family_friends,10539.82,vehicle,business,1,10162.21,0.057,48,223.73,late_60_days,not_applicable,moderate_burden
Zambia,2019,rural,male,69,55+,fourth,none,employed_informal,160.84,4,limited,0,231,1,digital_lender,6911.59,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2024,urban,male,20,18-24,highest,secondary,self_employed,1609.99,8,limited,1,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,45,35-44,lowest,secondary,self_employed,42.57,3,limited,0,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,female,60,55+,highest,primary,employed_informal,2237.65,6,limited,0,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,male,33,25-34,highest,primary,farmer,1057.0,5,none,0,429,1,family_friends,28708.38,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2025,urban,male,35,25-34,second,secondary,self_employed,67.74,10,limited,1,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,male,23,18-24,lowest,primary,unemployed,120.19,1,good,1,752,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,68,55+,second,tertiary,unemployed,257.78,2,good,1,807,1,microfinance,12558.4,none,business,1,10251.73,0.293,24,552.23,paid_off,not_applicable,moderate_burden
DRC,2024,urban,male,49,45-54,second,secondary,employed_formal,107.1,8,none,1,0,1,microfinance,2876.48,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2025,urban,male,20,18-24,middle,secondary,farmer,444.29,10,good,1,850,1,informal_lender,6108.76,guarantor,consumption,1,5321.41,0.8,18,532.02,late_30_days,not_applicable,moderate_burden
Mozambique,2019,rural,male,43,35-44,middle,secondary,self_employed,168.91,3,excellent,1,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,20,18-24,fourth,none,employed_informal,275.8,9,limited,1,744,1,commercial_bank,6575.71,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,rural,male,22,18-24,second,secondary,self_employed,59.64,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,22,18-24,second,none,employed_informal,736.1,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,female,39,35-44,middle,secondary,employed_informal,92.85,3,excellent,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,33,25-34,lowest,secondary,self_employed,89.43,4,limited,0,818,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,34,25-34,highest,secondary,farmer,1025.09,1,good,0,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,24,18-24,second,tertiary,self_employed,79.68,8,none,1,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,male,45,35-44,highest,primary,employed_informal,565.8,10,none,1,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,male,35,25-34,fourth,secondary,self_employed,423.19,9,none,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,47,45-54,fourth,secondary,farmer,338.04,3,limited,1,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,male,52,45-54,fourth,primary,farmer,1086.78,8,none,1,86,1,commercial_bank,10069.67,guarantor,consumption,1,9318.73,0.214,36,314.13,current,not_applicable,moderate_burden
Uganda,2025,urban,female,41,35-44,second,primary,employed_formal,255.2,10,good,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,female,36,35-44,lowest,tertiary,self_employed,87.01,8,limited,0,241,1,family_friends,13405.97,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,rural,male,67,55+,lowest,primary,farmer,156.46,5,none,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,18,18-24,middle,none,farmer,687.33,6,limited,0,410,1,family_friends,12907.89,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2022,urban,male,30,25-34,highest,primary,self_employed,667.21,6,limited,1,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,male,48,45-54,middle,secondary,farmer,64.77,5,limited,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,68,55+,lowest,secondary,self_employed,69.85,1,none,0,77,1,family_friends,2061.97,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2019,rural,male,29,25-34,lowest,secondary,unemployed,18.9,5,none,1,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,37,35-44,lowest,primary,unemployed,85.8,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,male,18,18-24,second,none,self_employed,267.43,1,limited,0,11,1,family_friends,7335.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2023,rural,male,35,25-34,fourth,tertiary,self_employed,165.18,3,none,1,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,27,25-34,fourth,primary,self_employed,136.63,3,none,0,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,male,31,25-34,highest,secondary,self_employed,3336.55,6,good,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,67,55+,second,none,employed_formal,224.97,9,none,1,0,1,commercial_bank,2818.46,property,agriculture,1,2290.54,0.175,36,74.73,late_30_days,not_applicable,moderate_burden
Rwanda,2023,rural,female,36,35-44,second,primary,employed_informal,73.7,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,37,35-44,second,none,unemployed,64.66,6,none,1,86,1,commercial_bank,2843.46,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,urban,male,30,25-34,middle,tertiary,farmer,98.33,8,none,0,320,1,family_friends,3627.18,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2021,rural,female,46,45-54,middle,primary,employed_informal,361.26,1,limited,1,32,1,sacco,7612.7,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2023,rural,female,51,45-54,lowest,primary,self_employed,57.9,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,male,45,35-44,middle,tertiary,self_employed,209.08,8,none,1,78,1,commercial_bank,1834.0,vehicle,agriculture,1,1668.54,0.175,12,163.4,current,not_applicable,moderate_burden
Senegal,2021,rural,female,42,35-44,middle,none,employed_informal,748.87,1,none,1,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,51,45-54,second,tertiary,unemployed,43.47,1,none,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,44,35-44,middle,secondary,self_employed,183.92,1,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,62,55+,lowest,primary,unemployed,165.57,4,good,0,498,1,informal_lender,1152.08,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2020,rural,male,59,55+,second,none,employed_informal,283.77,2,good,0,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,62,55+,lowest,tertiary,self_employed,30.04,7,none,0,725,1,family_friends,3597.89,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2023,rural,female,43,35-44,second,primary,employed_informal,23.64,6,none,1,0,1,employer,3059.53,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2023,rural,male,30,25-34,lowest,tertiary,farmer,105.76,3,none,1,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,female,56,55+,fourth,primary,farmer,208.51,4,limited,1,571,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,female,32,25-34,second,secondary,farmer,171.03,1,good,1,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,51,45-54,middle,primary,unemployed,292.65,1,good,1,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,39,35-44,lowest,none,employed_informal,33.97,4,limited,0,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,18,18-24,fourth,none,unemployed,253.26,5,none,1,664,1,informal_lender,11058.97,none,business,1,10944.22,0.833,18,1114.25,late_30_days,not_applicable,moderate_burden
Ghana,2019,urban,male,24,18-24,middle,secondary,employed_informal,499.8,3,limited,0,180,1,digital_lender,11135.39,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2023,urban,female,67,55+,middle,secondary,self_employed,223.84,2,excellent,0,628,1,informal_lender,10721.45,vehicle,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2020,urban,male,22,18-24,middle,primary,employed_formal,135.41,10,limited,0,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,65,55+,second,primary,self_employed,63.61,3,limited,1,297,1,digital_lender,1619.39,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2022,rural,female,25,18-24,middle,none,farmer,111.12,8,none,0,396,1,sacco,3237.13,none,business,1,2947.09,0.321,12,324.36,late_30_days,not_applicable,moderate_burden
Tanzania,2023,rural,female,63,55+,highest,tertiary,self_employed,847.08,6,none,0,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,47,45-54,middle,tertiary,farmer,196.37,7,excellent,1,615,1,commercial_bank,3759.22,guarantor,emergency,1,3106.49,0.206,12,312.11,current,not_applicable,moderate_burden
South Africa,2018,rural,female,50,45-54,second,secondary,employed_informal,130.64,8,none,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,female,46,45-54,lowest,primary,self_employed,178.18,8,none,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,42,35-44,lowest,secondary,farmer,337.85,2,none,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,female,41,35-44,lowest,none,self_employed,98.2,7,good,1,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,31,25-34,second,secondary,employed_formal,178.56,4,good,0,678,1,commercial_bank,3607.41,none,education,1,3405.12,0.174,48,83.27,late_60_days,not_applicable,moderate_burden
Mozambique,2024,rural,male,35,25-34,middle,none,unemployed,247.46,5,limited,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,21,18-24,highest,primary,employed_informal,357.46,9,limited,0,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,urban,female,40,35-44,middle,primary,employed_informal,131.29,10,good,0,340,1,commercial_bank,1740.42,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2019,urban,female,35,25-34,second,primary,self_employed,174.55,9,limited,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,36,35-44,lowest,secondary,employed_informal,77.95,5,none,1,0,1,sacco,4883.83,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2019,rural,male,57,55+,lowest,secondary,farmer,93.95,1,limited,0,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,22,18-24,middle,primary,unemployed,283.56,1,none,0,311,1,informal_lender,8936.07,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2019,urban,male,28,25-34,middle,secondary,unemployed,166.27,2,none,1,478,1,sacco,2171.37,none,housing,1,1841.43,0.316,6,403.86,current,not_applicable,moderate_burden
Malawi,2020,rural,male,48,45-54,lowest,none,unemployed,23.35,1,excellent,0,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,54,45-54,highest,secondary,self_employed,1098.96,3,good,0,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,female,54,45-54,middle,none,farmer,580.75,9,none,1,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,42,35-44,highest,primary,unemployed,764.05,1,none,0,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,65,55+,fourth,primary,self_employed,275.09,5,none,0,68,1,family_friends,3970.37,guarantor,consumption,1,3410.34,0.062,6,603.35,current,not_applicable,moderate_burden
Ethiopia,2025,rural,male,58,55+,fourth,primary,employed_informal,791.34,3,none,1,72,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,male,54,45-54,second,primary,employed_formal,320.1,5,none,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,40,35-44,middle,secondary,employed_informal,116.58,8,none,1,548,1,commercial_bank,4849.39,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2018,rural,male,34,25-34,second,primary,self_employed,178.18,1,good,0,472,1,family_friends,3932.25,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Zambia,2018,urban,male,61,55+,highest,secondary,unemployed,675.54,1,excellent,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,18,18-24,fourth,primary,farmer,179.24,7,good,1,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,55,45-54,middle,primary,unemployed,80.73,4,excellent,1,226,1,microfinance,5306.2,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2018,rural,female,59,55+,lowest,tertiary,farmer,35.71,6,none,0,0,1,family_friends,1628.14,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2021,rural,male,66,55+,second,primary,self_employed,146.48,6,none,0,724,1,family_friends,3360.09,none,business,1,3185.21,0.099,12,291.63,current,not_applicable,moderate_burden
Ethiopia,2018,rural,female,43,35-44,lowest,secondary,employed_informal,185.45,2,excellent,0,850,1,microfinance,6890.79,savings,agriculture,1,5523.59,0.329,12,611.96,current,not_applicable,moderate_burden
Uganda,2024,urban,male,28,25-34,fourth,primary,employed_formal,609.57,10,none,0,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,46,45-54,highest,none,employed_informal,282.16,10,none,0,755,1,microfinance,5498.48,none,agriculture,1,5053.47,0.306,12,549.88,late_30_days,not_applicable,moderate_burden
Rwanda,2020,urban,female,39,35-44,lowest,tertiary,unemployed,45.57,1,good,1,330,1,commercial_bank,3678.62,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2024,rural,male,42,35-44,lowest,secondary,employed_informal,65.73,4,good,1,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,female,51,45-54,middle,none,employed_formal,112.34,10,limited,0,713,1,informal_lender,1718.6,none,housing,1,1514.67,0.795,18,151.02,current,not_applicable,moderate_burden
Ghana,2023,rural,female,22,18-24,second,secondary,self_employed,251.48,3,none,0,728,1,informal_lender,6909.5,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2022,rural,female,26,25-34,middle,none,employed_formal,381.75,9,limited,1,292,1,commercial_bank,12694.69,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2018,rural,female,44,35-44,second,primary,farmer,46.31,8,limited,0,585,1,digital_lender,1877.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2025,rural,male,49,45-54,highest,secondary,employed_informal,2465.33,9,limited,1,431,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,63,55+,fourth,secondary,self_employed,469.62,1,none,1,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,45,35-44,highest,tertiary,self_employed,259.29,5,good,1,456,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,61,55+,highest,secondary,self_employed,221.1,10,limited,1,627,1,microfinance,2949.84,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2022,urban,female,24,18-24,lowest,secondary,employed_informal,67.49,10,limited,1,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,56,55+,middle,secondary,self_employed,138.11,3,excellent,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,30,25-34,fourth,tertiary,self_employed,226.52,3,limited,0,538,1,informal_lender,1011.59,vehicle,debt_consolidation,1,972.23,0.787,12,144.77,current,not_applicable,moderate_burden
Kenya,2018,urban,male,53,45-54,middle,tertiary,employed_informal,138.41,3,none,1,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,female,37,35-44,second,secondary,employed_informal,178.43,7,none,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,48,45-54,second,none,farmer,77.77,1,none,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,46,45-54,lowest,none,employed_informal,57.64,4,good,0,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,35,25-34,fourth,primary,self_employed,81.04,8,limited,0,657,1,informal_lender,4765.89,none,education,1,4052.99,0.837,18,413.65,current,not_applicable,moderate_burden
Senegal,2025,rural,male,27,25-34,highest,secondary,employed_informal,573.18,6,good,0,804,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,28,25-34,second,secondary,farmer,133.83,7,none,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,27,25-34,middle,primary,farmer,267.21,6,limited,0,410,1,informal_lender,11543.14,savings,agriculture,1,10990.73,0.846,18,1127.38,late_60_days,not_applicable,moderate_burden
Ethiopia,2023,rural,female,47,45-54,lowest,secondary,employed_formal,20.01,9,none,1,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,50,45-54,highest,primary,farmer,590.15,10,excellent,0,505,1,family_friends,7000.02,none,housing,1,6189.75,0.071,12,552.27,paid_off,not_applicable,moderate_burden
Malawi,2021,urban,male,57,55+,middle,tertiary,farmer,123.81,10,limited,0,483,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,female,23,18-24,highest,secondary,farmer,441.66,9,excellent,0,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,male,24,18-24,second,secondary,self_employed,140.42,1,none,0,557,1,informal_lender,3408.39,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2025,rural,female,57,55+,fourth,primary,farmer,248.77,7,good,1,297,1,sacco,3091.48,none,agriculture,1,3015.1,0.302,12,327.11,current,not_applicable,moderate_burden
Mozambique,2023,rural,female,57,55+,lowest,tertiary,unemployed,31.54,6,limited,1,544,1,sacco,2694.18,guarantor,debt_consolidation,1,2670.41,0.342,18,199.11,paid_off,not_applicable,moderate_burden
Ghana,2024,rural,female,48,45-54,highest,secondary,self_employed,1422.57,3,none,1,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,24,18-24,second,secondary,self_employed,81.43,10,none,0,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,57,55+,middle,none,employed_formal,211.24,9,none,1,645,1,microfinance,1737.66,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2024,rural,female,69,55+,fourth,secondary,unemployed,339.04,1,none,0,0,1,commercial_bank,6824.09,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2023,urban,female,30,25-34,middle,secondary,employed_informal,187.83,10,limited,1,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,male,49,45-54,second,none,unemployed,130.75,4,limited,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,64,55+,fourth,none,self_employed,252.2,2,none,1,44,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,45,35-44,middle,secondary,self_employed,216.57,1,good,1,489,1,family_friends,1628.2,none,emergency,1,1492.74,0.046,36,43.39,current,not_applicable,moderate_burden
Rwanda,2020,urban,female,44,35-44,highest,primary,self_employed,452.89,6,limited,0,706,1,employer,11303.46,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2021,rural,female,56,55+,lowest,tertiary,employed_formal,26.05,10,none,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,36,35-44,second,primary,employed_informal,72.41,10,none,0,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,female,46,45-54,highest,secondary,self_employed,2146.49,2,none,0,798,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,33,25-34,middle,primary,employed_formal,542.99,10,good,0,531,1,family_friends,4344.37,none,consumption,1,3779.9,0.021,12,321.73,current,not_applicable,moderate_burden
Malawi,2019,urban,male,61,55+,second,secondary,unemployed,598.75,1,none,0,0,1,microfinance,7864.2,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2023,rural,male,68,55+,lowest,none,self_employed,17.33,2,limited,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,23,18-24,highest,tertiary,self_employed,1242.85,2,none,1,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,female,40,35-44,middle,secondary,self_employed,323.8,5,limited,0,410,1,informal_lender,4234.17,none,education,1,4163.26,0.793,36,207.37,paid_off,not_applicable,moderate_burden
Niger,2022,rural,female,41,35-44,middle,primary,farmer,261.71,1,good,1,493,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,27,25-34,middle,none,unemployed,213.52,1,none,1,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,69,55+,highest,primary,farmer,1077.21,9,none,1,738,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,27,25-34,lowest,none,employed_informal,21.78,9,good,1,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,male,41,35-44,second,primary,employed_informal,53.66,9,limited,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,37,35-44,lowest,secondary,self_employed,30.33,9,none,0,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,female,28,25-34,lowest,none,farmer,118.25,10,none,0,208,1,family_friends,1460.04,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2021,rural,male,64,55+,highest,secondary,self_employed,645.23,6,excellent,0,850,1,microfinance,1889.91,savings,education,1,1512.08,0.28,18,107.5,current,not_applicable,moderate_burden
South Africa,2018,urban,female,47,45-54,lowest,primary,self_employed,59.34,3,limited,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,45,35-44,highest,secondary,employed_formal,1328.29,8,none,1,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,69,55+,fourth,secondary,employed_formal,239.67,10,none,1,126,1,digital_lender,6917.17,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2024,rural,male,44,35-44,fourth,primary,self_employed,1600.41,7,limited,1,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,39,35-44,second,primary,unemployed,141.52,3,limited,0,835,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,male,21,18-24,lowest,tertiary,farmer,36.44,3,good,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,61,55+,lowest,tertiary,farmer,54.17,4,limited,0,184,1,digital_lender,1490.32,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2021,rural,male,36,35-44,lowest,none,employed_formal,92.99,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,male,44,35-44,second,secondary,employed_informal,81.64,4,good,1,233,1,commercial_bank,4149.09,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,rural,female,43,35-44,middle,primary,self_employed,344.17,1,none,1,332,1,commercial_bank,9072.51,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2019,rural,male,49,45-54,lowest,primary,self_employed,32.09,2,good,1,670,1,commercial_bank,1392.19,property,agriculture,1,1303.86,0.225,12,133.12,current,not_applicable,moderate_burden
Senegal,2024,urban,male,62,55+,lowest,none,employed_informal,164.46,8,none,0,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,male,31,25-34,lowest,primary,unemployed,36.04,6,none,0,725,1,microfinance,1817.06,guarantor,consumption,1,1788.92,0.296,24,96.62,late_30_days,not_applicable,moderate_burden
Nigeria,2020,rural,male,55,45-54,second,primary,employed_informal,315.01,4,limited,0,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,47,45-54,second,none,farmer,92.62,2,good,1,726,1,digital_lender,6465.81,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2018,rural,male,50,45-54,highest,tertiary,self_employed,352.18,7,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,61,55+,second,tertiary,employed_informal,200.54,1,none,0,6,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,38,35-44,highest,secondary,unemployed,204.76,1,none,0,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,18,18-24,second,secondary,self_employed,217.07,1,limited,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,male,40,35-44,lowest,tertiary,farmer,41.85,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,28,25-34,highest,none,employed_informal,217.62,6,none,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,25,18-24,middle,tertiary,farmer,55.33,9,none,0,0,1,informal_lender,1675.29,guarantor,agriculture,1,1437.79,0.776,18,141.87,current,not_applicable,moderate_burden
Senegal,2024,rural,female,38,35-44,highest,primary,employed_formal,552.41,10,limited,1,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,male,31,25-34,lowest,primary,employed_formal,52.03,9,none,1,25,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,65,55+,lowest,none,self_employed,216.39,3,good,1,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,28,25-34,highest,primary,employed_formal,645.05,10,none,0,510,1,informal_lender,19184.91,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2020,urban,male,68,55+,lowest,secondary,employed_informal,116.24,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,male,54,45-54,fourth,secondary,self_employed,241.22,2,limited,1,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,20,18-24,middle,none,farmer,241.5,1,none,0,444,1,informal_lender,3511.0,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2022,urban,female,54,45-54,middle,tertiary,employed_formal,292.33,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,38,35-44,fourth,none,farmer,567.5,10,limited,1,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,65,55+,highest,tertiary,self_employed,1294.85,1,none,0,139,1,family_friends,17862.55,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2020,urban,female,18,18-24,second,secondary,employed_informal,84.05,9,none,0,218,1,informal_lender,2910.3,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2019,rural,female,42,35-44,highest,none,farmer,857.98,1,limited,1,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,37,35-44,middle,secondary,employed_informal,69.33,5,good,0,479,1,informal_lender,3155.94,none,consumption,1,3072.75,0.842,6,943.48,current,not_applicable,moderate_burden
Kenya,2022,urban,female,60,55+,fourth,primary,employed_informal,1283.49,6,none,0,635,1,informal_lender,6538.58,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2023,rural,female,38,35-44,middle,primary,self_employed,173.66,1,none,0,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,66,55+,lowest,secondary,self_employed,158.94,8,none,0,478,1,family_friends,3336.55,savings,education,1,3056.83,0.056,12,269.03,current,not_applicable,moderate_burden
Senegal,2018,urban,female,57,55+,fourth,none,employed_informal,337.74,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,21,18-24,fourth,secondary,self_employed,448.34,3,good,0,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,24,18-24,second,secondary,employed_informal,128.26,5,none,1,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,53,45-54,fourth,tertiary,self_employed,1150.74,8,good,1,464,1,microfinance,6270.82,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2025,rural,male,35,25-34,second,tertiary,self_employed,82.91,3,none,1,713,1,commercial_bank,2670.73,none,business,1,2274.85,0.141,12,216.3,current,not_applicable,moderate_burden
Tanzania,2024,rural,female,50,45-54,middle,tertiary,unemployed,175.2,1,good,0,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,55,45-54,middle,secondary,employed_formal,705.32,9,limited,0,157,1,family_friends,4781.38,none,emergency,1,4744.62,0.029,12,406.9,current,not_applicable,moderate_burden
Ghana,2018,urban,male,64,55+,middle,none,employed_informal,752.71,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,47,45-54,lowest,secondary,employed_formal,99.25,7,none,1,0,1,commercial_bank,3223.87,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2019,urban,male,26,25-34,middle,tertiary,employed_informal,495.19,7,good,0,463,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,20,18-24,highest,secondary,self_employed,256.58,7,none,0,762,1,microfinance,6271.98,vehicle,education,1,5074.96,0.326,12,560.66,current,not_applicable,moderate_burden
Kenya,2018,urban,female,52,45-54,fourth,secondary,employed_formal,475.28,6,none,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,42,35-44,middle,secondary,self_employed,152.24,6,none,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,male,59,55+,lowest,secondary,self_employed,34.61,10,limited,1,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,46,45-54,fourth,secondary,employed_informal,224.98,1,none,1,232,1,microfinance,2063.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2019,urban,female,24,18-24,fourth,secondary,unemployed,306.39,2,limited,1,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,55,45-54,second,tertiary,farmer,62.15,10,none,0,675,1,informal_lender,7120.21,none,consumption,1,6799.37,0.789,24,506.75,defaulted,not_applicable,moderate_burden
Rwanda,2019,rural,female,63,55+,lowest,secondary,unemployed,53.39,1,limited,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,37,35-44,middle,none,self_employed,57.85,6,good,0,850,1,sacco,1950.48,equipment,business,1,1874.76,0.325,24,103.53,current,not_applicable,moderate_burden
Ghana,2018,rural,male,60,55+,lowest,secondary,self_employed,96.19,9,none,1,307,1,sacco,1170.03,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2018,rural,male,61,55+,fourth,none,farmer,272.01,7,limited,1,571,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,female,59,55+,second,primary,employed_formal,127.39,10,limited,0,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,18,18-24,fourth,secondary,employed_informal,519.36,1,limited,1,235,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,female,23,18-24,fourth,none,self_employed,1151.38,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,49,45-54,middle,secondary,farmer,301.39,8,limited,1,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,55,45-54,middle,secondary,unemployed,72.33,4,good,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,69,55+,middle,primary,unemployed,389.7,4,good,1,409,1,commercial_bank,6397.85,property,agriculture,1,5764.07,0.18,18,377.93,current,not_applicable,moderate_burden
DRC,2020,rural,male,46,45-54,second,none,farmer,134.33,1,none,1,55,1,microfinance,4782.12,savings,business,1,3841.44,0.277,12,408.87,current,not_applicable,moderate_burden
Ghana,2021,urban,female,28,25-34,highest,primary,employed_formal,656.0,10,none,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,56,55+,fourth,primary,employed_informal,1778.74,2,limited,0,148,1,microfinance,11237.68,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2023,rural,male,40,35-44,middle,tertiary,employed_formal,39.82,10,none,0,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,male,67,55+,lowest,secondary,farmer,73.99,1,limited,1,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,female,68,55+,second,tertiary,self_employed,501.82,2,none,0,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,20,18-24,middle,secondary,self_employed,2000.36,2,limited,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,59,55+,middle,tertiary,farmer,284.84,6,none,1,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,69,55+,lowest,secondary,farmer,20.95,10,good,0,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,35,25-34,lowest,secondary,employed_informal,60.71,1,none,0,386,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,60,55+,middle,none,self_employed,255.94,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,43,35-44,fourth,secondary,self_employed,452.58,1,none,0,690,1,sacco,4275.36,guarantor,agriculture,1,3701.02,0.32,12,407.24,current,not_applicable,moderate_burden
Malawi,2023,rural,male,20,18-24,second,secondary,employed_formal,267.56,10,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,57,55+,fourth,secondary,self_employed,598.33,9,limited,1,308,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,51,45-54,lowest,tertiary,unemployed,154.02,4,limited,1,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,male,32,25-34,second,primary,employed_formal,133.14,7,none,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,48,45-54,fourth,secondary,farmer,1122.24,6,limited,0,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,35,25-34,lowest,none,self_employed,32.56,1,limited,0,137,1,commercial_bank,3757.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2025,rural,male,19,18-24,highest,none,employed_informal,315.73,2,none,0,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,36,35-44,second,primary,self_employed,175.77,1,excellent,1,352,1,microfinance,4360.0,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2018,rural,male,20,18-24,middle,primary,self_employed,32.12,5,good,0,702,1,commercial_bank,925.15,none,agriculture,1,807.27,0.191,18,53.4,current,not_applicable,moderate_burden
Mali,2020,rural,male,63,55+,highest,secondary,self_employed,482.65,2,limited,1,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,57,55+,fourth,primary,employed_informal,1853.6,7,none,0,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,27,25-34,second,primary,employed_informal,392.27,5,none,0,134,1,commercial_bank,3674.06,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2023,rural,male,20,18-24,lowest,secondary,unemployed,176.19,2,none,1,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,34,25-34,lowest,none,employed_formal,125.68,10,none,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,female,36,35-44,second,secondary,employed_informal,722.44,10,none,0,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,male,61,55+,second,secondary,self_employed,61.0,6,limited,1,597,1,digital_lender,4218.02,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2024,urban,female,26,25-34,lowest,primary,self_employed,128.93,10,none,0,215,1,sacco,6560.61,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2020,rural,male,53,45-54,middle,primary,self_employed,208.49,5,none,1,390,1,informal_lender,2316.18,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2021,rural,female,52,45-54,highest,none,farmer,596.47,1,none,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,33,25-34,fourth,tertiary,self_employed,937.71,7,none,0,679,1,informal_lender,8146.17,savings,business,1,7357.88,0.841,24,564.5,current,not_applicable,moderate_burden
Niger,2022,urban,female,52,45-54,middle,tertiary,unemployed,269.0,5,limited,1,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,female,34,25-34,second,secondary,farmer,92.62,8,excellent,0,850,1,microfinance,5249.89,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2018,rural,female,31,25-34,lowest,none,self_employed,78.81,3,good,1,364,1,family_friends,1459.97,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2025,rural,male,44,35-44,second,secondary,employed_informal,399.69,9,limited,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,21,18-24,fourth,secondary,self_employed,260.58,4,good,0,156,1,family_friends,2856.11,savings,consumption,1,2326.08,0.077,6,417.49,current,not_applicable,moderate_burden
Nigeria,2020,urban,female,29,25-34,highest,secondary,employed_informal,500.08,6,none,1,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,60,55+,middle,secondary,employed_formal,146.09,6,good,1,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,33,25-34,lowest,none,employed_formal,170.13,10,good,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,23,18-24,second,none,self_employed,137.4,10,none,1,273,1,informal_lender,5380.11,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Niger,2021,rural,female,69,55+,fourth,tertiary,unemployed,703.94,5,limited,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,20,18-24,middle,secondary,self_employed,127.31,10,none,1,0,1,microfinance,3145.71,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2022,urban,male,50,45-54,lowest,secondary,self_employed,35.71,9,excellent,0,252,1,microfinance,1772.58,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2021,urban,female,23,18-24,middle,primary,unemployed,501.5,1,none,1,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,20,18-24,fourth,none,employed_informal,340.93,8,good,1,80,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,18,18-24,second,primary,self_employed,63.66,7,good,1,537,1,informal_lender,3286.2,guarantor,business,1,2781.14,0.816,18,280.6,current,not_applicable,moderate_burden
DRC,2025,rural,female,65,55+,lowest,none,self_employed,189.32,8,limited,1,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,male,24,18-24,lowest,none,employed_formal,66.56,9,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,22,18-24,highest,secondary,employed_formal,665.19,8,none,0,369,1,informal_lender,10952.94,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2019,rural,female,42,35-44,second,tertiary,farmer,113.33,4,limited,0,723,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,41,35-44,lowest,secondary,unemployed,98.67,1,limited,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,36,35-44,fourth,secondary,self_employed,725.02,5,none,0,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,27,25-34,fourth,secondary,self_employed,455.33,8,excellent,0,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,urban,male,65,55+,middle,primary,employed_formal,200.86,10,limited,0,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,female,65,55+,fourth,secondary,employed_informal,525.04,4,limited,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,female,61,55+,middle,tertiary,unemployed,172.1,6,limited,1,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,25,18-24,lowest,none,employed_formal,47.84,10,limited,0,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,52,45-54,fourth,none,self_employed,326.02,9,excellent,0,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,male,49,45-54,second,primary,farmer,102.67,3,none,0,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,male,53,45-54,second,tertiary,self_employed,175.29,6,good,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,52,45-54,highest,secondary,employed_formal,100.73,8,limited,0,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,25,18-24,second,primary,employed_informal,97.22,4,good,1,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,45,35-44,lowest,tertiary,unemployed,61.48,1,none,0,482,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,55,45-54,fourth,tertiary,self_employed,392.99,4,excellent,0,215,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,male,28,25-34,fourth,secondary,self_employed,241.95,8,limited,0,297,1,informal_lender,2043.97,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2018,urban,male,29,25-34,middle,tertiary,unemployed,186.7,6,excellent,1,683,1,microfinance,15877.16,none,asset_purchase,1,13776.71,0.271,24,729.86,paid_off,not_applicable,moderate_burden
Nigeria,2022,urban,male,55,45-54,lowest,secondary,self_employed,120.88,9,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,male,20,18-24,fourth,primary,self_employed,503.66,8,limited,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,31,25-34,middle,none,unemployed,51.91,4,none,0,236,1,digital_lender,529.92,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2020,urban,male,53,45-54,lowest,primary,self_employed,70.91,9,limited,0,521,1,microfinance,10876.52,property,education,1,9871.98,0.312,24,539.58,current,not_applicable,moderate_burden
Ghana,2025,rural,male,55,45-54,second,none,self_employed,56.37,6,limited,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,male,27,25-34,highest,secondary,unemployed,902.04,3,none,0,312,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,65,55+,second,tertiary,farmer,134.62,7,excellent,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,57,55+,lowest,primary,farmer,105.65,6,none,0,234,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,28,25-34,middle,secondary,self_employed,432.56,7,none,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,39,35-44,lowest,secondary,unemployed,197.13,1,limited,1,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,female,67,55+,middle,primary,farmer,233.68,3,limited,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,female,28,25-34,middle,secondary,farmer,515.79,5,none,0,343,1,family_friends,7146.95,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2024,urban,female,26,25-34,second,primary,employed_informal,126.28,10,none,1,202,1,informal_lender,3531.05,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2023,urban,male,28,25-34,fourth,tertiary,employed_formal,153.12,10,limited,0,306,1,sacco,3147.36,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2020,urban,male,45,35-44,lowest,none,employed_formal,111.61,10,good,1,636,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,male,58,55+,lowest,primary,employed_informal,218.58,2,limited,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,female,54,45-54,second,secondary,farmer,74.74,6,limited,0,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,female,54,45-54,middle,none,self_employed,79.62,1,limited,1,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,female,56,55+,highest,tertiary,self_employed,826.87,8,good,1,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,urban,male,48,45-54,lowest,tertiary,employed_informal,328.32,8,none,0,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,43,35-44,highest,tertiary,farmer,2801.68,5,none,0,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,58,55+,second,none,employed_informal,148.65,10,none,0,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,25,18-24,lowest,secondary,farmer,162.4,1,none,1,184,1,microfinance,7068.31,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2024,urban,female,45,35-44,lowest,secondary,farmer,98.13,4,limited,1,94,1,microfinance,1673.36,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2024,urban,female,30,25-34,fourth,tertiary,farmer,1947.43,8,none,0,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,23,18-24,lowest,secondary,self_employed,82.09,9,excellent,0,431,1,sacco,4717.63,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2019,rural,male,65,55+,lowest,none,employed_formal,72.23,7,limited,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,male,65,55+,second,secondary,employed_formal,190.23,9,limited,1,773,1,commercial_bank,3632.39,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2020,rural,female,57,55+,highest,secondary,farmer,1395.56,3,none,0,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,female,64,55+,fourth,secondary,self_employed,220.68,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,53,45-54,fourth,none,employed_formal,810.49,10,limited,1,727,1,microfinance,10397.07,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2025,urban,male,27,25-34,second,none,employed_formal,76.3,10,excellent,0,606,1,commercial_bank,2040.59,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2019,rural,female,43,35-44,highest,secondary,farmer,776.51,8,none,0,277,1,informal_lender,26361.72,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,urban,female,61,55+,lowest,primary,employed_formal,77.56,5,none,1,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,urban,female,29,25-34,highest,secondary,employed_informal,443.64,5,none,1,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,female,36,35-44,middle,primary,self_employed,277.9,7,limited,0,87,1,employer,3540.44,vehicle,business,1,3038.7,0.065,18,179.81,late_60_days,not_applicable,moderate_burden
Ghana,2024,rural,male,28,25-34,middle,tertiary,self_employed,149.96,10,good,0,820,1,microfinance,2349.4,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2020,urban,male,30,25-34,second,secondary,self_employed,357.16,8,limited,0,376,1,informal_lender,4196.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2019,rural,female,69,55+,lowest,none,employed_informal,30.17,6,good,0,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,45,35-44,second,primary,unemployed,27.76,2,limited,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,49,45-54,middle,tertiary,employed_formal,237.07,6,none,1,301,1,commercial_bank,2370.85,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,urban,female,54,45-54,second,primary,employed_informal,84.0,1,none,0,479,1,family_friends,5096.32,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2024,rural,female,27,25-34,lowest,primary,farmer,202.2,3,limited,0,513,1,informal_lender,2377.19,equipment,business,1,1960.55,0.812,18,197.36,paid_off,not_applicable,moderate_burden
Ethiopia,2023,urban,female,45,35-44,middle,secondary,self_employed,146.38,1,good,0,850,1,commercial_bank,7052.61,none,business,1,6515.04,0.186,18,429.19,paid_off,not_applicable,moderate_burden
DRC,2025,rural,female,21,18-24,fourth,primary,self_employed,442.28,9,limited,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,66,55+,middle,primary,farmer,292.43,7,good,1,271,1,microfinance,4946.31,savings,consumption,1,4496.02,0.347,24,252.4,current,not_applicable,moderate_burden
Malawi,2019,rural,male,52,45-54,lowest,secondary,unemployed,76.0,1,none,0,0,1,family_friends,2153.82,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2020,rural,male,58,55+,highest,secondary,self_employed,3644.1,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,55,45-54,fourth,secondary,employed_informal,254.87,1,none,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,24,18-24,second,none,self_employed,115.71,5,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,female,20,18-24,fourth,secondary,employed_formal,688.72,8,excellent,1,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,male,64,55+,middle,tertiary,unemployed,88.79,3,limited,0,10,1,informal_lender,3679.78,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2019,rural,male,62,55+,highest,primary,employed_informal,703.43,8,good,1,850,1,commercial_bank,10721.81,none,business,1,8666.57,0.184,6,1710.49,late_60_days,not_applicable,moderate_burden
South Africa,2020,urban,female,22,18-24,highest,secondary,farmer,462.17,5,none,0,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,male,26,25-34,highest,secondary,employed_informal,1672.74,8,good,0,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,49,45-54,fourth,tertiary,farmer,241.06,9,none,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,43,35-44,second,tertiary,unemployed,348.12,1,excellent,1,622,1,commercial_bank,2573.87,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2021,rural,female,28,25-34,second,secondary,self_employed,69.35,3,limited,0,79,1,digital_lender,1351.78,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2023,rural,female,22,18-24,second,primary,self_employed,142.36,9,limited,1,304,1,digital_lender,10089.31,none,education,1,8880.45,0.453,12,1075.06,defaulted,not_applicable,moderate_burden
Rwanda,2018,rural,male,21,18-24,fourth,none,self_employed,251.54,3,none,1,100,1,commercial_bank,972.03,savings,business,1,805.46,0.142,18,51.11,late_60_days,not_applicable,moderate_burden
South Africa,2020,rural,male,25,18-24,lowest,primary,employed_formal,63.15,7,none,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,55,45-54,middle,secondary,employed_informal,101.1,10,none,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,65,55+,middle,secondary,self_employed,536.61,10,none,1,149,1,digital_lender,3407.67,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2020,rural,female,26,25-34,second,tertiary,employed_informal,46.93,10,none,1,516,1,informal_lender,2551.16,guarantor,consumption,1,2388.22,0.833,48,91.19,late_30_days,not_applicable,moderate_burden
Malawi,2024,rural,female,52,45-54,second,none,employed_informal,125.1,6,none,1,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,29,25-34,lowest,tertiary,employed_informal,160.69,3,good,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,57,55+,fourth,secondary,farmer,416.75,3,none,0,403,1,informal_lender,6041.55,guarantor,business,1,5180.15,0.784,6,1539.97,late_30_days,not_applicable,moderate_burden
Uganda,2023,rural,male,24,18-24,fourth,primary,farmer,155.41,10,none,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,male,28,25-34,second,tertiary,self_employed,64.87,1,limited,0,281,1,commercial_bank,6667.72,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2025,urban,male,64,55+,second,secondary,self_employed,243.14,4,limited,1,6,1,microfinance,4838.33,savings,housing,1,4637.47,0.303,18,335.75,current,not_applicable,moderate_burden
Mozambique,2023,rural,female,52,45-54,lowest,tertiary,self_employed,32.29,5,none,0,354,1,microfinance,3217.38,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2018,urban,female,64,55+,second,tertiary,employed_informal,562.1,4,good,1,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,female,27,25-34,fourth,primary,employed_informal,750.15,10,none,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,female,23,18-24,second,secondary,self_employed,62.63,3,none,0,690,1,microfinance,6365.78,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Kenya,2019,rural,male,26,25-34,second,tertiary,employed_informal,60.39,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,45,35-44,second,secondary,employed_informal,280.87,2,none,1,0,1,microfinance,3333.52,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2019,rural,male,34,25-34,middle,secondary,self_employed,263.0,8,none,0,658,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,40,35-44,middle,primary,self_employed,71.83,4,limited,0,778,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,51,45-54,highest,primary,self_employed,1343.58,5,limited,0,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,66,55+,lowest,primary,self_employed,12.16,10,good,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,40,35-44,middle,primary,self_employed,214.82,8,excellent,0,567,1,informal_lender,3362.94,savings,education,1,3249.76,0.767,24,239.21,current,not_applicable,moderate_burden
Mali,2022,urban,male,58,55+,lowest,tertiary,farmer,72.79,2,limited,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,62,55+,lowest,secondary,self_employed,124.65,4,none,1,606,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,66,55+,lowest,secondary,employed_formal,94.99,4,none,1,475,1,sacco,7614.31,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2018,rural,female,56,55+,second,primary,employed_formal,85.34,4,none,1,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,40,35-44,second,secondary,farmer,52.17,4,none,1,74,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,21,18-24,lowest,tertiary,employed_informal,72.68,7,excellent,1,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,male,34,25-34,second,secondary,farmer,119.11,2,none,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,39,35-44,second,none,employed_formal,474.37,9,none,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,44,35-44,second,secondary,self_employed,204.08,2,none,0,150,1,family_friends,2731.3,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2020,rural,male,24,18-24,fourth,secondary,farmer,237.47,5,limited,0,476,1,digital_lender,7849.6,property,business,1,7136.73,0.478,18,586.05,current,not_applicable,moderate_burden
Nigeria,2022,urban,male,61,55+,lowest,primary,self_employed,299.35,8,limited,0,591,1,informal_lender,1698.21,none,consumption,1,1584.63,0.762,12,232.69,late_60_days,not_applicable,moderate_burden
Rwanda,2024,urban,male,30,25-34,middle,secondary,employed_informal,268.0,3,limited,0,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,38,35-44,fourth,primary,employed_formal,141.44,9,limited,1,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,26,25-34,second,primary,self_employed,402.0,6,limited,1,96,1,sacco,4263.79,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2021,rural,female,25,18-24,lowest,none,unemployed,106.2,1,limited,0,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,63,55+,fourth,secondary,employed_informal,310.46,3,none,0,221,1,family_friends,5239.44,none,asset_purchase,1,4645.69,0.066,12,412.68,defaulted,not_applicable,moderate_burden
DRC,2023,urban,male,67,55+,highest,secondary,self_employed,1406.42,8,none,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,42,35-44,lowest,none,employed_formal,103.48,10,none,1,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,male,63,55+,second,none,farmer,230.44,10,none,1,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,21,18-24,highest,tertiary,employed_formal,437.88,4,none,1,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,57,55+,middle,primary,employed_informal,373.47,8,excellent,0,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,55,45-54,lowest,primary,employed_informal,76.78,2,limited,1,358,1,sacco,1970.95,property,consumption,1,1679.83,0.309,6,366.41,defaulted,not_applicable,moderate_burden
DRC,2020,rural,male,50,45-54,middle,tertiary,self_employed,41.61,5,none,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,38,35-44,fourth,none,unemployed,374.99,3,none,1,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,male,60,55+,lowest,secondary,self_employed,173.65,6,limited,0,522,1,microfinance,2653.21,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2021,rural,male,24,18-24,highest,secondary,employed_formal,460.42,10,excellent,1,296,1,commercial_bank,5648.93,none,emergency,1,4867.03,0.218,18,329.43,defaulted,not_applicable,moderate_burden
Zambia,2018,rural,male,21,18-24,lowest,secondary,self_employed,96.29,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,29,25-34,lowest,secondary,employed_informal,54.41,2,none,0,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,female,46,45-54,middle,none,self_employed,161.68,4,limited,1,84,1,family_friends,3854.28,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2020,rural,female,56,55+,second,tertiary,self_employed,109.33,5,limited,1,360,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,27,25-34,fourth,secondary,employed_informal,242.32,10,good,0,662,1,family_friends,10531.04,guarantor,business,1,8446.53,0.067,18,500.79,current,not_applicable,moderate_burden
South Africa,2022,rural,male,50,45-54,second,none,farmer,73.67,9,good,1,749,1,microfinance,3823.28,none,business,1,3728.09,0.27,36,131.56,paid_off,not_applicable,moderate_burden
DRC,2021,urban,female,64,55+,second,primary,self_employed,273.3,8,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,female,39,35-44,highest,primary,farmer,1201.5,5,limited,0,850,1,informal_lender,15592.07,none,agriculture,1,12541.8,0.767,12,1846.53,late_60_days,not_applicable,moderate_burden
South Africa,2019,rural,male,28,25-34,fourth,primary,employed_formal,1399.39,5,limited,1,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,25,18-24,second,secondary,employed_informal,364.94,2,none,1,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,56,55+,second,none,self_employed,78.51,6,good,0,135,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,female,62,55+,middle,tertiary,self_employed,693.71,4,limited,0,812,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,66,55+,lowest,secondary,unemployed,29.83,1,none,1,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,male,22,18-24,highest,secondary,farmer,403.52,7,none,0,307,1,commercial_bank,2752.06,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2019,rural,male,63,55+,highest,none,self_employed,3343.87,1,good,0,850,1,family_friends,5356.1,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2018,urban,female,37,35-44,lowest,none,farmer,50.83,6,excellent,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,female,41,35-44,middle,primary,employed_informal,404.72,2,none,1,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,female,43,35-44,highest,secondary,employed_informal,951.0,6,none,0,314,1,family_friends,9253.02,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2020,urban,male,28,25-34,second,primary,employed_informal,500.64,2,none,0,320,1,informal_lender,38713.73,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2021,rural,female,44,35-44,fourth,tertiary,employed_formal,633.73,9,limited,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,34,25-34,second,primary,employed_informal,211.13,9,none,0,639,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,40,35-44,middle,secondary,farmer,396.61,1,excellent,1,375,1,commercial_bank,3375.38,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2018,urban,female,62,55+,fourth,secondary,self_employed,318.02,3,limited,0,527,1,employer,5889.66,none,education,1,5570.99,0.093,12,507.45,current,not_applicable,moderate_burden
Malawi,2018,rural,male,26,25-34,lowest,none,farmer,36.33,6,limited,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,62,55+,middle,tertiary,unemployed,314.06,1,limited,0,33,1,sacco,9931.28,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,rural,male,41,35-44,lowest,tertiary,employed_informal,46.77,9,limited,1,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,male,31,25-34,fourth,tertiary,farmer,1059.22,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,female,34,25-34,second,secondary,self_employed,54.2,7,good,0,813,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,22,18-24,fourth,secondary,unemployed,259.83,1,none,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,22,18-24,middle,secondary,employed_informal,200.4,8,excellent,0,850,1,microfinance,2596.63,none,education,1,2565.5,0.337,6,571.67,late_30_days,not_applicable,moderate_burden
Mali,2018,urban,male,53,45-54,highest,secondary,farmer,3484.66,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,female,59,55+,lowest,primary,employed_informal,218.2,8,none,0,703,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,69,55+,middle,none,self_employed,236.8,4,limited,1,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,female,54,45-54,middle,primary,employed_informal,293.24,8,good,0,463,1,family_friends,4591.5,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2025,rural,male,46,45-54,fourth,secondary,self_employed,213.9,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,23,18-24,lowest,tertiary,unemployed,132.38,1,none,1,488,1,commercial_bank,2865.92,vehicle,agriculture,1,2766.32,0.217,12,280.59,current,not_applicable,moderate_burden
Nigeria,2018,urban,female,51,45-54,lowest,tertiary,employed_formal,137.79,6,limited,1,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,35,25-34,second,tertiary,self_employed,223.7,2,none,0,104,1,microfinance,5836.39,property,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2021,rural,male,59,55+,second,secondary,employed_informal,51.71,5,none,1,0,1,commercial_bank,1871.46,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2022,urban,male,49,45-54,fourth,secondary,self_employed,199.25,7,good,0,808,1,sacco,7342.89,property,debt_consolidation,1,7325.6,0.364,18,555.06,paid_off,not_applicable,moderate_burden
Ethiopia,2019,urban,male,57,55+,fourth,primary,self_employed,313.15,6,limited,0,776,1,informal_lender,3679.64,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2019,urban,female,26,25-34,highest,primary,farmer,1023.74,1,none,1,620,1,commercial_bank,15749.02,savings,emergency,1,13257.36,0.184,12,1308.14,current,not_applicable,moderate_burden
Uganda,2022,urban,female,23,18-24,middle,secondary,employed_informal,178.9,2,limited,1,51,1,informal_lender,1907.08,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2025,rural,male,21,18-24,second,secondary,self_employed,65.77,8,limited,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,male,43,35-44,second,secondary,farmer,125.85,2,good,1,99,1,commercial_bank,10169.68,property,business,1,9284.18,0.133,24,438.36,current,not_applicable,moderate_burden
Ghana,2022,urban,male,25,18-24,lowest,secondary,employed_formal,45.46,10,limited,0,675,1,commercial_bank,3680.88,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,rural,female,38,35-44,highest,tertiary,employed_informal,1228.99,9,none,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,34,25-34,fourth,secondary,farmer,382.58,9,none,1,480,1,commercial_bank,3683.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2018,rural,female,41,35-44,fourth,tertiary,farmer,688.01,6,limited,0,384,1,informal_lender,3349.32,none,agriculture,1,3292.3,0.849,18,338.25,current,not_applicable,moderate_burden
Niger,2025,rural,female,42,35-44,lowest,tertiary,farmer,107.65,2,limited,0,837,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,male,21,18-24,highest,secondary,unemployed,719.31,1,none,1,387,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,male,23,18-24,middle,primary,employed_formal,172.74,10,limited,1,36,1,commercial_bank,1736.31,guarantor,education,1,1509.04,0.162,24,73.06,current,not_applicable,moderate_burden
Rwanda,2023,rural,male,33,25-34,lowest,primary,employed_formal,41.77,10,none,0,327,1,family_friends,2914.59,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2022,urban,female,51,45-54,lowest,primary,unemployed,98.32,2,limited,0,847,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,male,35,25-34,highest,primary,self_employed,775.75,3,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,64,55+,lowest,secondary,unemployed,126.73,1,limited,0,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,42,35-44,lowest,tertiary,self_employed,54.47,4,good,1,276,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,57,55+,lowest,tertiary,employed_informal,148.19,1,none,0,338,1,sacco,2032.03,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2020,rural,male,47,45-54,lowest,primary,self_employed,122.0,5,good,1,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,male,68,55+,fourth,secondary,farmer,134.2,2,limited,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,urban,male,35,25-34,middle,tertiary,employed_informal,423.92,9,none,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,63,55+,second,secondary,self_employed,55.47,6,none,0,156,1,microfinance,4618.52,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2018,urban,male,31,25-34,middle,primary,employed_informal,141.71,9,excellent,0,328,1,family_friends,2885.66,none,education,1,2794.74,0.082,12,251.96,current,not_applicable,moderate_burden
Rwanda,2018,urban,male,53,45-54,second,tertiary,self_employed,165.08,10,limited,1,666,1,sacco,4235.0,none,business,1,3764.38,0.369,12,429.61,current,not_applicable,moderate_burden
Nigeria,2018,urban,male,69,55+,lowest,secondary,employed_formal,85.03,7,none,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,59,55+,highest,secondary,employed_formal,2035.99,10,none,0,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,66,55+,lowest,secondary,farmer,154.59,9,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,66,55+,second,none,self_employed,239.1,7,limited,1,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,male,48,45-54,fourth,secondary,self_employed,624.76,4,none,1,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,female,31,25-34,fourth,primary,farmer,166.17,6,excellent,1,483,1,commercial_bank,2002.39,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2024,urban,female,36,35-44,fourth,none,farmer,879.78,2,limited,0,746,1,family_friends,6039.38,none,business,1,5421.73,0.027,12,463.85,current,not_applicable,moderate_burden
Rwanda,2019,rural,male,64,55+,second,primary,employed_informal,247.64,8,limited,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,32,25-34,fourth,secondary,employed_informal,357.31,9,limited,0,801,1,family_friends,3863.82,savings,consumption,1,3773.37,0.009,18,211.45,current,not_applicable,moderate_burden
Ethiopia,2025,rural,male,53,45-54,middle,tertiary,employed_informal,649.29,3,none,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,66,55+,lowest,primary,unemployed,18.45,3,limited,0,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,46,45-54,highest,tertiary,self_employed,1103.74,1,none,0,77,1,informal_lender,6083.8,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Nigeria,2025,rural,female,30,25-34,lowest,secondary,self_employed,92.18,8,none,0,98,1,digital_lender,3082.69,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2019,rural,male,27,25-34,fourth,none,farmer,1399.96,5,limited,0,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,57,55+,fourth,none,employed_informal,461.25,4,none,0,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,57,55+,middle,secondary,unemployed,95.17,1,none,1,539,1,digital_lender,3649.41,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2022,urban,male,64,55+,highest,primary,employed_informal,590.6,1,limited,0,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,54,45-54,fourth,tertiary,employed_formal,487.32,10,excellent,1,850,1,digital_lender,10427.52,guarantor,education,1,10037.4,0.425,12,1191.9,current,not_applicable,moderate_burden
Ethiopia,2020,urban,female,26,25-34,second,tertiary,employed_informal,109.14,2,good,1,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,26,25-34,fourth,primary,employed_informal,196.64,5,none,0,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,male,66,55+,highest,tertiary,farmer,1220.4,9,excellent,0,490,1,digital_lender,5873.73,none,education,1,5724.43,0.468,24,350.26,current,not_applicable,moderate_burden
Tanzania,2023,urban,female,29,25-34,lowest,none,employed_informal,169.46,8,limited,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,urban,female,68,55+,lowest,primary,unemployed,188.76,1,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,45,35-44,highest,primary,self_employed,234.36,8,excellent,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,60,55+,second,primary,employed_informal,145.24,7,none,1,349,1,family_friends,3791.38,savings,business,1,3403.41,0.095,18,207.08,late_60_days,not_applicable,moderate_burden
Senegal,2022,rural,female,52,45-54,middle,primary,employed_informal,168.13,9,limited,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,male,64,55+,middle,tertiary,self_employed,56.6,1,limited,0,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,male,42,35-44,fourth,primary,employed_informal,1021.06,2,limited,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,32,25-34,highest,none,unemployed,1526.3,6,limited,1,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,male,69,55+,fourth,secondary,employed_formal,232.53,5,limited,0,393,1,informal_lender,5439.06,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2022,rural,female,34,25-34,lowest,secondary,farmer,169.55,6,good,0,584,1,informal_lender,3110.31,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2021,urban,female,36,35-44,second,secondary,self_employed,76.83,1,limited,1,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,male,56,55+,fourth,tertiary,self_employed,91.85,4,good,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,female,48,45-54,lowest,tertiary,unemployed,26.55,1,none,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,57,55+,lowest,secondary,farmer,20.44,9,none,1,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,27,25-34,lowest,primary,farmer,79.24,9,limited,1,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,61,55+,middle,none,employed_informal,236.18,4,limited,1,54,1,digital_lender,2457.61,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2021,rural,male,67,55+,middle,none,employed_formal,107.71,6,none,0,496,1,informal_lender,3035.65,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2019,rural,female,51,45-54,fourth,secondary,self_employed,385.93,2,limited,0,474,1,sacco,5751.13,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2019,urban,male,60,55+,fourth,secondary,unemployed,249.08,1,good,1,331,1,digital_lender,5743.95,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2021,rural,female,52,45-54,lowest,tertiary,self_employed,28.42,8,none,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,male,43,35-44,lowest,none,employed_informal,46.84,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,56,55+,middle,primary,self_employed,143.72,6,none,0,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,female,25,18-24,middle,tertiary,farmer,162.49,5,none,1,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,63,55+,fourth,secondary,self_employed,406.85,4,limited,0,77,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,40,35-44,second,secondary,employed_informal,320.7,7,limited,1,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,68,55+,fourth,tertiary,farmer,121.86,4,good,1,797,1,sacco,2434.6,equipment,emergency,1,1972.75,0.346,12,221.32,late_30_days,not_applicable,moderate_burden
Zambia,2021,rural,male,55,45-54,lowest,primary,self_employed,29.2,6,limited,1,794,1,family_friends,1718.58,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2022,rural,female,47,45-54,fourth,tertiary,employed_formal,422.99,10,good,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,female,28,25-34,middle,primary,employed_formal,647.53,10,limited,1,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,65,55+,lowest,primary,self_employed,26.92,10,none,0,299,1,digital_lender,1373.19,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2019,rural,male,34,25-34,middle,secondary,employed_informal,239.35,6,good,0,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,35,25-34,lowest,secondary,employed_formal,181.77,6,limited,1,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,54,45-54,highest,none,farmer,1070.56,7,none,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,26,25-34,fourth,tertiary,self_employed,107.07,2,good,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,female,30,25-34,lowest,secondary,unemployed,89.09,3,good,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,32,25-34,second,secondary,farmer,25.55,7,none,1,724,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,52,45-54,second,secondary,farmer,43.46,5,none,1,182,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,56,55+,middle,none,employed_informal,202.71,3,excellent,0,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,male,32,25-34,middle,primary,farmer,250.16,8,none,1,395,1,microfinance,6844.84,none,consumption,1,6023.77,0.307,6,1312.53,current,not_applicable,moderate_burden
Senegal,2024,rural,male,52,45-54,lowest,none,self_employed,54.51,2,none,0,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,43,35-44,second,secondary,employed_informal,116.66,10,limited,0,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,40,35-44,middle,primary,employed_informal,383.35,8,none,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,female,38,35-44,second,secondary,self_employed,103.15,9,limited,1,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,male,61,55+,fourth,secondary,farmer,450.64,2,none,1,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,63,55+,fourth,secondary,unemployed,651.42,1,none,1,279,1,microfinance,11602.55,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2023,rural,female,29,25-34,highest,tertiary,employed_informal,592.71,6,none,1,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,66,55+,middle,none,employed_informal,177.53,6,none,1,0,1,commercial_bank,3039.73,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2019,urban,female,45,35-44,highest,secondary,farmer,1114.41,3,good,0,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,48,45-54,lowest,secondary,self_employed,16.46,4,good,1,87,1,commercial_bank,840.29,property,housing,1,832.14,0.201,36,27.76,late_30_days,not_applicable,moderate_burden
Ethiopia,2022,rural,male,28,25-34,highest,secondary,employed_informal,250.4,9,limited,1,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,25,18-24,highest,none,self_employed,541.93,4,good,1,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,59,55+,highest,tertiary,self_employed,2263.43,7,none,0,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,female,24,18-24,second,primary,employed_formal,98.86,9,limited,1,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,urban,male,55,45-54,second,none,farmer,281.78,8,none,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,33,25-34,highest,secondary,employed_informal,946.42,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,male,36,35-44,fourth,secondary,farmer,413.79,7,excellent,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,male,43,35-44,lowest,none,unemployed,135.62,4,good,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,22,18-24,fourth,primary,employed_informal,403.15,1,none,1,75,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,male,40,35-44,second,tertiary,self_employed,148.07,8,none,0,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,27,25-34,fourth,secondary,employed_informal,309.42,1,limited,0,55,1,family_friends,1260.75,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2018,urban,female,57,55+,lowest,none,farmer,55.51,9,limited,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,50,45-54,middle,primary,unemployed,279.67,1,excellent,0,593,1,informal_lender,6556.47,none,consumption,1,6295.61,0.838,48,241.06,current,not_applicable,moderate_burden
Rwanda,2021,urban,female,19,18-24,highest,primary,unemployed,1452.05,5,good,0,811,1,family_friends,28962.45,guarantor,emergency,1,23598.32,0.017,36,666.5,late_30_days,not_applicable,moderate_burden
Ghana,2025,urban,female,21,18-24,second,none,self_employed,369.28,10,none,1,322,1,family_friends,3214.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2025,urban,female,56,55+,middle,primary,self_employed,257.9,3,limited,1,83,1,microfinance,4281.9,none,housing,1,3792.67,0.324,24,209.27,current,not_applicable,moderate_burden
Niger,2018,rural,male,57,55+,highest,none,farmer,927.44,9,good,0,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,68,55+,second,primary,self_employed,738.01,6,good,1,741,1,informal_lender,5501.21,guarantor,business,1,4971.56,0.76,24,364.64,current,not_applicable,moderate_burden
Mali,2018,urban,female,54,45-54,lowest,secondary,self_employed,116.88,10,good,0,638,1,family_friends,3181.18,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2020,urban,male,42,35-44,middle,secondary,employed_informal,159.76,6,limited,1,123,1,digital_lender,4381.61,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2021,urban,male,21,18-24,second,none,employed_formal,69.54,10,none,1,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,35,25-34,second,secondary,employed_informal,126.74,9,limited,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,rural,female,63,55+,middle,tertiary,employed_informal,176.53,10,none,1,321,1,microfinance,1722.16,equipment,housing,1,1523.74,0.273,18,107.75,late_30_days,not_applicable,moderate_burden
Nigeria,2020,urban,female,68,55+,highest,secondary,self_employed,1337.07,10,good,0,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,56,55+,lowest,secondary,employed_formal,209.1,10,limited,0,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,female,49,45-54,lowest,primary,self_employed,189.44,3,good,0,325,1,family_friends,3889.08,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2021,rural,male,47,45-54,middle,secondary,unemployed,481.8,1,limited,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,65,55+,lowest,primary,self_employed,19.62,5,good,0,677,1,family_friends,863.95,savings,consumption,1,831.46,0.018,12,70.55,late_30_days,not_applicable,moderate_burden
Ethiopia,2022,rural,female,23,18-24,highest,secondary,employed_informal,785.28,9,none,0,672,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,female,49,45-54,second,none,unemployed,155.11,2,none,0,271,1,family_friends,2841.14,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ghana,2025,rural,male,54,45-54,middle,none,farmer,88.09,8,limited,1,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,28,25-34,second,secondary,farmer,79.47,6,excellent,1,730,1,family_friends,2645.83,savings,consumption,1,2564.17,0.09,12,232.87,current,not_applicable,moderate_burden
DRC,2019,rural,male,20,18-24,highest,tertiary,self_employed,604.66,4,none,1,574,1,informal_lender,5953.77,savings,business,1,5493.22,0.805,12,826.25,current,not_applicable,moderate_burden
Mozambique,2019,urban,female,36,35-44,highest,primary,farmer,1187.19,9,none,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,male,50,45-54,lowest,tertiary,employed_formal,12.33,4,limited,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,47,45-54,lowest,secondary,farmer,115.88,8,limited,1,119,1,family_friends,5195.82,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2020,rural,female,27,25-34,second,tertiary,employed_informal,93.81,1,none,0,0,1,informal_lender,7881.28,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2019,urban,male,44,35-44,second,primary,self_employed,476.16,2,limited,1,494,1,commercial_bank,5176.58,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2018,urban,female,20,18-24,middle,none,employed_formal,159.87,6,limited,1,407,1,sacco,3735.93,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2018,rural,female,22,18-24,middle,none,employed_informal,141.17,6,good,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,female,62,55+,middle,secondary,farmer,52.13,10,good,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,58,55+,second,primary,employed_informal,578.71,6,none,1,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,53,45-54,fourth,secondary,employed_informal,127.35,1,none,1,419,1,digital_lender,2944.11,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2020,rural,female,60,55+,highest,none,unemployed,1042.51,5,excellent,1,689,1,sacco,7939.46,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,urban,male,61,55+,lowest,secondary,self_employed,307.83,4,none,0,341,1,informal_lender,2420.82,savings,housing,1,1976.14,0.818,6,598.7,current,not_applicable,moderate_burden
Mozambique,2022,urban,male,68,55+,lowest,secondary,employed_informal,106.09,4,limited,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,female,27,25-34,second,secondary,employed_informal,96.55,4,none,0,0,1,informal_lender,2273.0,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2025,rural,male,37,35-44,lowest,tertiary,self_employed,132.42,3,none,0,743,1,employer,6551.65,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2024,urban,female,47,45-54,fourth,primary,employed_informal,267.63,6,limited,0,403,1,employer,5723.81,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2018,urban,female,36,35-44,fourth,secondary,farmer,233.64,3,none,0,559,1,family_friends,6263.45,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2021,urban,male,30,25-34,fourth,none,employed_informal,392.01,4,good,1,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,31,25-34,highest,primary,unemployed,724.63,2,none,1,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,29,25-34,lowest,secondary,unemployed,37.55,4,limited,0,216,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,female,50,45-54,middle,secondary,employed_formal,138.21,10,excellent,1,286,1,microfinance,10511.58,none,consumption,1,9658.53,0.366,18,732.97,current,not_applicable,moderate_burden
Senegal,2020,urban,male,50,45-54,lowest,secondary,self_employed,82.95,10,none,0,558,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,male,45,35-44,highest,none,employed_formal,652.14,8,good,0,234,1,employer,3298.62,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,rural,female,64,55+,middle,secondary,employed_informal,88.4,10,none,0,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,52,45-54,lowest,none,employed_informal,47.02,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,25,18-24,highest,tertiary,self_employed,769.95,4,good,0,652,1,employer,6772.46,equipment,consumption,1,6312.27,0.049,12,551.67,current,not_applicable,moderate_burden
Mali,2021,urban,male,53,45-54,fourth,primary,employed_informal,1207.6,4,good,0,830,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,67,55+,lowest,primary,employed_informal,307.32,6,limited,0,365,1,family_friends,2734.83,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2018,rural,male,56,55+,middle,tertiary,employed_informal,99.87,7,good,1,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,male,35,25-34,middle,primary,farmer,133.51,9,limited,1,149,1,microfinance,4209.07,none,consumption,1,3783.55,0.287,12,405.74,paid_off,not_applicable,moderate_burden
Tanzania,2018,rural,male,66,55+,highest,primary,employed_informal,290.85,10,limited,0,198,1,microfinance,2991.59,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2018,rural,male,33,25-34,second,secondary,self_employed,71.1,10,limited,0,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,33,25-34,fourth,tertiary,self_employed,172.67,7,none,1,558,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,female,38,35-44,second,none,self_employed,92.93,3,limited,0,373,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,35,25-34,fourth,none,self_employed,191.84,3,none,0,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,48,45-54,highest,primary,employed_formal,1232.34,10,limited,0,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,22,18-24,middle,secondary,employed_informal,166.45,4,limited,0,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,62,55+,middle,secondary,unemployed,120.83,5,good,0,146,1,sacco,5645.09,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2020,urban,male,48,45-54,lowest,tertiary,employed_formal,34.51,10,good,1,704,1,commercial_bank,1867.32,savings,agriculture,1,1785.22,0.141,18,113.18,current,not_applicable,moderate_burden
Nigeria,2024,rural,male,34,25-34,middle,primary,self_employed,112.73,1,limited,0,691,1,family_friends,8389.02,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2025,urban,female,58,55+,fourth,tertiary,farmer,435.76,1,good,1,709,1,commercial_bank,2572.0,savings,business,1,2190.25,0.141,18,138.87,paid_off,not_applicable,moderate_burden
South Africa,2021,rural,female,46,45-54,second,tertiary,employed_informal,69.16,9,none,1,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,44,35-44,fourth,secondary,self_employed,278.44,5,none,1,15,1,family_friends,4276.14,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2021,rural,female,69,55+,middle,none,unemployed,229.02,1,good,1,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,female,22,18-24,fourth,primary,employed_formal,426.9,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,39,35-44,second,primary,unemployed,110.83,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,male,21,18-24,highest,none,farmer,1955.78,7,none,0,667,1,microfinance,16960.81,guarantor,education,1,16223.66,0.321,12,1785.45,current,not_applicable,moderate_burden
Ethiopia,2019,rural,female,57,55+,second,none,unemployed,58.1,2,none,0,738,1,employer,3572.06,savings,asset_purchase,1,3439.24,0.005,12,287.93,current,not_applicable,moderate_burden
Ghana,2023,rural,female,48,45-54,lowest,secondary,unemployed,64.69,2,none,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,40,35-44,second,none,farmer,314.07,9,limited,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,male,40,35-44,lowest,secondary,self_employed,95.77,2,limited,1,643,1,informal_lender,3360.35,none,asset_purchase,1,3001.49,0.754,6,877.36,current,not_applicable,moderate_burden
Malawi,2018,rural,female,61,55+,lowest,secondary,employed_informal,30.65,4,limited,1,348,1,family_friends,1744.35,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2022,urban,male,24,18-24,fourth,secondary,employed_informal,748.41,3,none,0,551,1,family_friends,6142.67,guarantor,housing,1,5987.3,0.036,24,258.35,current,not_applicable,moderate_burden
Ghana,2022,rural,female,60,55+,second,secondary,farmer,272.45,5,good,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,64,55+,lowest,none,employed_formal,124.05,10,limited,1,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,61,55+,second,secondary,self_employed,38.92,8,good,0,393,1,microfinance,837.22,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2018,urban,female,41,35-44,fourth,secondary,employed_informal,580.19,8,good,1,847,1,commercial_bank,10941.79,savings,asset_purchase,1,9315.66,0.227,6,1904.3,current,not_applicable,moderate_burden
Uganda,2025,rural,female,57,55+,fourth,secondary,self_employed,238.85,9,none,1,86,1,family_friends,3343.85,none,business,1,3150.59,0.012,12,265.72,current,not_applicable,moderate_burden
DRC,2020,rural,male,56,55+,fourth,primary,unemployed,284.3,1,none,0,563,1,family_friends,1594.7,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2019,rural,female,34,25-34,second,tertiary,employed_formal,44.35,10,good,1,196,1,digital_lender,2619.29,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2024,rural,male,43,35-44,lowest,primary,unemployed,29.72,3,good,0,179,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,male,46,45-54,lowest,primary,self_employed,221.62,8,good,0,592,1,family_friends,5350.37,none,agriculture,1,5179.63,0.03,24,222.36,current,not_applicable,moderate_burden
Mali,2025,urban,male,49,45-54,lowest,primary,self_employed,333.19,7,excellent,0,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,26,25-34,second,primary,employed_formal,36.48,7,good,0,765,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,26,25-34,middle,primary,employed_formal,164.05,10,none,0,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,female,24,18-24,second,primary,employed_informal,492.69,9,none,0,184,1,microfinance,10503.79,savings,education,1,9379.24,0.351,18,704.11,current,not_applicable,moderate_burden
Uganda,2024,rural,female,52,45-54,middle,tertiary,employed_formal,594.91,6,good,0,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,male,58,55+,middle,primary,farmer,88.75,4,good,0,555,1,sacco,5831.06,equipment,emergency,1,5821.18,0.271,12,616.79,late_60_days,not_applicable,moderate_burden
Uganda,2022,rural,male,20,18-24,second,tertiary,self_employed,1135.77,5,limited,0,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,32,25-34,lowest,none,farmer,24.58,4,none,0,624,1,family_friends,1878.66,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2019,rural,male,36,35-44,second,primary,unemployed,187.41,1,limited,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,46,45-54,middle,secondary,employed_informal,161.95,3,good,1,820,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,34,25-34,lowest,secondary,unemployed,23.61,1,limited,0,187,1,family_friends,2000.71,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2020,urban,female,18,18-24,middle,none,employed_informal,726.63,7,good,1,824,1,commercial_bank,5145.43,none,agriculture,1,4207.18,0.179,6,826.72,current,not_applicable,moderate_burden
DRC,2021,urban,male,28,25-34,middle,tertiary,employed_informal,519.47,8,none,1,224,1,family_friends,4522.15,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,urban,male,25,18-24,fourth,tertiary,self_employed,450.01,3,none,0,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,53,45-54,lowest,none,farmer,111.32,1,good,0,552,1,family_friends,3177.38,none,education,1,2907.56,0.062,18,171.47,late_60_days,not_applicable,moderate_burden
Rwanda,2023,urban,female,47,45-54,middle,primary,unemployed,343.83,3,limited,1,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,19,18-24,second,none,employed_informal,87.61,1,none,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,24,18-24,middle,primary,farmer,514.29,1,none,0,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,female,18,18-24,middle,none,employed_informal,119.88,10,limited,1,3,1,sacco,5173.8,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2024,urban,male,29,25-34,second,primary,farmer,353.31,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,male,33,25-34,lowest,secondary,employed_informal,171.47,6,none,1,220,1,commercial_bank,4098.42,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2018,rural,female,69,55+,lowest,none,employed_informal,30.94,6,good,0,120,1,family_friends,2713.58,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2022,urban,female,22,18-24,middle,primary,self_employed,326.49,10,none,1,576,1,commercial_bank,14558.37,property,business,1,13467.21,0.203,6,2699.74,paid_off,not_applicable,moderate_burden
Nigeria,2022,rural,male,43,35-44,middle,secondary,employed_formal,225.52,10,limited,0,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,52,45-54,lowest,secondary,self_employed,39.13,5,good,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,54,45-54,second,none,self_employed,149.03,1,limited,1,331,1,microfinance,3238.99,savings,business,1,2604.3,0.367,18,197.79,current,not_applicable,moderate_burden
Ethiopia,2024,urban,female,59,55+,second,tertiary,farmer,61.61,7,limited,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,42,35-44,middle,none,self_employed,162.88,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,female,29,25-34,second,tertiary,self_employed,640.47,4,good,1,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,44,35-44,fourth,tertiary,unemployed,382.69,1,none,1,621,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,37,35-44,lowest,secondary,employed_informal,153.97,8,good,1,824,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,48,45-54,lowest,tertiary,farmer,45.4,8,none,0,276,1,family_friends,2356.21,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2018,rural,female,68,55+,fourth,secondary,farmer,314.16,2,none,1,293,1,sacco,3783.75,none,business,1,3540.38,0.288,18,253.32,current,not_applicable,moderate_burden
Tanzania,2024,rural,male,18,18-24,highest,none,unemployed,490.46,3,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,female,41,35-44,middle,none,employed_informal,1174.5,4,limited,0,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,22,18-24,fourth,secondary,employed_formal,927.84,10,good,0,495,1,informal_lender,9140.79,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2021,rural,male,19,18-24,second,primary,self_employed,55.54,3,none,1,110,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,21,18-24,lowest,secondary,employed_informal,131.05,7,limited,0,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,67,55+,highest,primary,employed_formal,678.27,10,none,1,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,52,45-54,middle,secondary,self_employed,1315.42,6,limited,0,537,1,microfinance,7230.73,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2020,rural,female,44,35-44,second,primary,farmer,177.68,5,limited,0,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,64,55+,lowest,primary,self_employed,151.72,3,none,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,25,18-24,middle,secondary,self_employed,224.03,1,none,1,494,1,informal_lender,6638.11,property,business,1,6627.71,0.766,6,1951.15,current,not_applicable,moderate_burden
Mozambique,2024,rural,male,67,55+,middle,secondary,employed_informal,307.82,8,limited,1,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,female,26,25-34,middle,tertiary,employed_informal,261.62,8,none,0,0,1,sacco,6123.56,guarantor,consumption,1,5083.01,0.275,18,360.08,current,not_applicable,moderate_burden
Zambia,2021,rural,male,60,55+,fourth,primary,employed_informal,397.36,1,none,1,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,37,35-44,middle,primary,employed_formal,242.85,10,good,1,194,1,microfinance,4762.49,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2023,rural,female,29,25-34,fourth,primary,farmer,900.24,9,excellent,0,334,1,family_friends,9063.15,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2023,urban,male,34,25-34,middle,tertiary,self_employed,282.56,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,61,55+,middle,primary,farmer,640.68,9,none,0,591,1,employer,8485.59,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2020,urban,male,49,45-54,second,secondary,self_employed,218.47,6,good,0,361,1,microfinance,4406.64,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2022,urban,female,36,35-44,fourth,secondary,unemployed,627.33,2,good,0,137,1,microfinance,3222.73,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mozambique,2020,urban,male,23,18-24,second,secondary,employed_formal,320.08,10,excellent,0,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,female,39,35-44,lowest,primary,self_employed,123.84,1,excellent,0,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,urban,male,55,45-54,second,primary,farmer,53.69,6,good,0,246,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,35,25-34,fourth,primary,farmer,346.64,1,none,1,268,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,female,23,18-24,lowest,secondary,self_employed,125.14,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,male,26,25-34,highest,primary,employed_informal,2286.78,8,none,0,608,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,49,45-54,second,tertiary,self_employed,95.99,8,limited,1,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,35,25-34,middle,secondary,self_employed,48.25,2,good,1,496,1,commercial_bank,1845.56,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2023,urban,male,45,35-44,fourth,none,self_employed,345.26,2,limited,0,441,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,female,51,45-54,fourth,tertiary,farmer,279.89,3,none,1,29,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,51,45-54,lowest,primary,employed_formal,30.35,10,excellent,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,48,45-54,middle,tertiary,unemployed,86.68,1,good,0,133,1,employer,2440.37,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2018,rural,male,65,55+,fourth,secondary,employed_formal,417.41,10,good,0,160,1,microfinance,4602.53,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2023,rural,male,19,18-24,highest,primary,self_employed,958.58,7,good,1,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,66,55+,fourth,primary,unemployed,575.6,6,none,0,30,1,informal_lender,19754.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2020,urban,female,55,45-54,middle,secondary,farmer,1396.06,3,good,1,367,1,informal_lender,11721.44,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2018,urban,male,28,25-34,highest,none,self_employed,2173.23,10,none,1,223,1,informal_lender,6571.27,equipment,agriculture,1,5774.86,0.827,24,439.66,late_30_days,not_applicable,moderate_burden
Malawi,2023,urban,male,62,55+,highest,primary,farmer,949.54,9,limited,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,23,18-24,lowest,tertiary,unemployed,83.65,6,limited,1,791,1,family_friends,3172.08,guarantor,business,1,2942.21,0.048,6,513.92,current,not_applicable,moderate_burden
Nigeria,2024,rural,male,18,18-24,lowest,tertiary,employed_informal,63.19,5,limited,0,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,female,19,18-24,middle,primary,farmer,301.22,7,limited,0,712,1,microfinance,1976.08,equipment,agriculture,1,1846.48,0.307,12,201.18,current,not_applicable,moderate_burden
Malawi,2022,rural,female,54,45-54,highest,secondary,self_employed,662.0,6,limited,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,61,55+,highest,tertiary,self_employed,1351.34,8,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,32,25-34,fourth,none,unemployed,372.77,5,none,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,35,25-34,lowest,none,self_employed,373.55,2,none,0,33,1,informal_lender,1937.7,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2025,rural,male,67,55+,middle,primary,self_employed,251.76,6,limited,1,766,1,commercial_bank,1651.83,property,business,1,1642.34,0.156,18,105.44,late_60_days,not_applicable,moderate_burden
South Africa,2018,urban,male,39,35-44,lowest,primary,farmer,136.37,1,limited,0,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,male,26,25-34,middle,tertiary,self_employed,226.54,8,none,0,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,67,55+,fourth,tertiary,employed_formal,508.61,10,none,0,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,male,30,25-34,lowest,none,employed_informal,61.58,3,good,0,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,32,25-34,middle,primary,farmer,165.22,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,66,55+,middle,primary,farmer,216.42,3,limited,1,122,1,commercial_bank,6440.5,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2022,rural,male,32,25-34,middle,primary,employed_formal,155.11,4,limited,0,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,female,25,18-24,middle,none,unemployed,207.38,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,36,35-44,highest,tertiary,employed_informal,741.17,1,none,0,3,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,57,55+,fourth,primary,self_employed,110.3,4,limited,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,male,52,45-54,second,tertiary,farmer,125.75,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,42,35-44,second,tertiary,unemployed,54.55,5,none,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,47,45-54,lowest,primary,self_employed,8.48,4,good,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,42,35-44,fourth,none,unemployed,1506.51,4,none,0,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,female,36,35-44,second,secondary,self_employed,47.74,2,none,0,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,55,45-54,middle,tertiary,employed_informal,117.42,8,none,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,69,55+,lowest,none,employed_formal,220.91,8,limited,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,male,67,55+,second,primary,self_employed,71.76,2,none,0,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,female,55,45-54,highest,tertiary,employed_informal,927.82,6,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,52,45-54,highest,primary,employed_formal,240.21,9,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,64,55+,lowest,primary,self_employed,184.23,6,none,1,450,1,commercial_bank,11570.71,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2024,rural,male,29,25-34,second,none,farmer,84.03,6,good,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,male,36,35-44,second,primary,self_employed,96.86,8,limited,0,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,67,55+,second,tertiary,employed_informal,305.86,4,none,0,115,1,microfinance,2722.74,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2018,urban,male,39,35-44,middle,tertiary,self_employed,155.4,10,limited,1,34,1,sacco,6505.23,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2019,rural,male,19,18-24,fourth,secondary,self_employed,526.01,10,none,0,173,1,family_friends,10598.01,property,housing,1,10352.32,0.028,6,1773.5,late_60_days,not_applicable,moderate_burden
Nigeria,2020,urban,female,61,55+,middle,primary,self_employed,796.87,8,excellent,1,377,1,digital_lender,35477.23,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2018,urban,male,43,35-44,fourth,none,employed_informal,268.78,10,excellent,0,260,1,microfinance,2949.86,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2024,urban,male,41,35-44,highest,secondary,employed_informal,1035.82,7,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,19,18-24,second,primary,farmer,147.21,8,none,0,742,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,41,35-44,lowest,tertiary,self_employed,184.97,10,good,1,535,1,commercial_bank,6746.05,none,agriculture,1,6022.55,0.206,24,302.74,current,not_applicable,moderate_burden
Rwanda,2025,rural,female,19,18-24,lowest,secondary,self_employed,163.49,10,limited,1,549,1,commercial_bank,1827.25,none,asset_purchase,1,1759.55,0.139,12,167.07,current,not_applicable,moderate_burden
Zambia,2019,urban,male,65,55+,highest,secondary,employed_formal,493.27,9,limited,0,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,62,55+,middle,primary,unemployed,927.29,1,good,0,681,1,microfinance,5141.77,savings,agriculture,1,4418.84,0.301,6,957.82,current,not_applicable,moderate_burden
Rwanda,2021,rural,male,50,45-54,highest,tertiary,self_employed,1220.63,9,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,rural,female,50,45-54,middle,tertiary,self_employed,165.91,2,limited,0,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,53,45-54,second,tertiary,farmer,394.32,7,none,0,430,1,informal_lender,12299.96,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2023,urban,female,35,25-34,middle,tertiary,self_employed,806.83,3,none,0,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,18,18-24,middle,tertiary,self_employed,201.42,9,good,1,808,1,commercial_bank,4231.61,property,consumption,1,3802.24,0.216,18,256.76,paid_off,not_applicable,moderate_burden
Tanzania,2018,urban,female,39,35-44,fourth,secondary,self_employed,426.86,1,none,0,312,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,35,25-34,middle,primary,self_employed,63.31,4,excellent,1,850,1,commercial_bank,659.46,guarantor,agriculture,1,587.45,0.176,18,38.37,current,not_applicable,moderate_burden
DRC,2024,urban,male,50,45-54,second,none,self_employed,72.82,4,good,0,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,male,21,18-24,lowest,secondary,farmer,39.89,9,limited,1,603,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,male,42,35-44,highest,none,self_employed,1094.14,9,limited,0,619,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,54,45-54,second,secondary,self_employed,132.79,7,limited,1,564,1,commercial_bank,7143.38,none,agriculture,1,5977.97,0.22,12,607.79,current,not_applicable,moderate_burden
Malawi,2020,urban,male,54,45-54,second,secondary,unemployed,556.57,1,none,0,51,1,digital_lender,18951.33,none,business,1,18512.96,0.479,36,760.64,current,not_applicable,moderate_burden
Malawi,2022,rural,female,46,45-54,highest,primary,employed_informal,918.54,8,none,0,407,1,digital_lender,8887.44,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2025,rural,female,53,45-54,second,tertiary,self_employed,105.1,4,none,1,193,1,digital_lender,2172.41,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2018,rural,female,23,18-24,middle,tertiary,self_employed,397.53,3,none,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,female,58,55+,highest,primary,unemployed,706.34,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,38,35-44,second,secondary,self_employed,20.08,4,none,1,412,1,microfinance,4367.97,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2018,rural,female,69,55+,highest,primary,self_employed,378.26,6,limited,0,288,1,informal_lender,7110.55,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2021,rural,male,32,25-34,fourth,none,self_employed,340.54,2,excellent,0,478,1,sacco,3858.88,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2020,urban,male,24,18-24,second,secondary,unemployed,124.26,3,none,0,135,1,microfinance,2119.11,none,agriculture,1,1803.26,0.351,48,50.74,current,not_applicable,moderate_burden
Zambia,2020,urban,female,36,35-44,fourth,primary,self_employed,307.26,6,none,1,120,1,commercial_bank,4507.41,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2019,urban,male,55,45-54,lowest,tertiary,self_employed,67.13,5,excellent,0,411,1,microfinance,6254.52,property,business,1,5608.11,0.335,6,1247.43,current,not_applicable,moderate_burden
Kenya,2018,rural,female,54,45-54,second,none,employed_formal,79.92,4,none,1,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,female,60,55+,middle,secondary,self_employed,269.58,3,good,0,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,male,38,35-44,fourth,primary,self_employed,631.09,8,none,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,32,25-34,lowest,primary,farmer,102.93,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,54,45-54,fourth,secondary,employed_informal,1428.45,8,excellent,0,583,1,sacco,15322.25,equipment,business,1,14559.86,0.351,6,3277.77,current,not_applicable,moderate_burden
South Africa,2021,urban,male,52,45-54,middle,secondary,unemployed,291.77,1,limited,0,206,1,microfinance,3730.33,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2025,rural,male,64,55+,highest,secondary,employed_informal,602.11,6,none,0,352,1,family_friends,16636.73,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2018,rural,female,58,55+,second,primary,employed_formal,27.24,9,none,0,621,1,microfinance,1816.59,guarantor,agriculture,1,1580.58,0.318,18,115.71,current,not_applicable,moderate_burden
DRC,2022,urban,female,29,25-34,lowest,none,farmer,78.71,10,good,0,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,64,55+,fourth,primary,self_employed,376.57,9,limited,1,174,1,digital_lender,5536.54,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2019,rural,female,46,45-54,middle,tertiary,self_employed,88.82,5,good,0,727,1,digital_lender,1464.8,none,business,1,1299.35,0.487,48,40.25,current,not_applicable,moderate_burden
Mali,2024,rural,female,63,55+,highest,primary,farmer,915.47,5,limited,0,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,61,55+,lowest,none,employed_formal,97.29,8,limited,0,712,1,family_friends,3006.81,savings,business,1,2832.41,0.026,18,161.4,current,not_applicable,moderate_burden
Tanzania,2025,urban,female,27,25-34,lowest,primary,employed_informal,119.93,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,male,31,25-34,second,secondary,employed_formal,214.64,8,none,0,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,male,62,55+,middle,primary,self_employed,530.39,8,none,1,36,1,microfinance,9056.39,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2025,urban,female,66,55+,fourth,primary,self_employed,498.2,9,limited,1,364,1,commercial_bank,10878.25,none,debt_consolidation,1,10297.5,0.17,12,1004.01,late_30_days,not_applicable,moderate_burden
South Africa,2022,urban,female,69,55+,second,tertiary,employed_informal,229.45,4,limited,0,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,male,43,35-44,second,secondary,self_employed,75.28,9,limited,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,31,25-34,highest,tertiary,farmer,1602.65,8,limited,1,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,32,25-34,fourth,secondary,employed_informal,98.29,2,none,1,568,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,19,18-24,highest,primary,farmer,550.38,2,none,0,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,44,35-44,lowest,primary,employed_informal,88.51,3,limited,0,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,33,25-34,highest,tertiary,unemployed,270.88,5,good,1,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,male,29,25-34,second,tertiary,employed_informal,111.12,3,none,0,501,1,family_friends,1516.81,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2019,rural,male,55,45-54,second,secondary,employed_formal,168.95,10,good,0,818,1,employer,3179.78,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2022,urban,female,21,18-24,lowest,secondary,self_employed,133.37,6,none,1,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,24,18-24,highest,tertiary,farmer,504.33,6,good,0,680,1,digital_lender,12146.21,vehicle,agriculture,1,10818.47,0.411,12,1271.98,current,not_applicable,moderate_burden
Mozambique,2024,rural,female,21,18-24,lowest,secondary,farmer,64.7,10,good,0,820,1,family_friends,3083.14,savings,agriculture,1,2664.8,0.008,18,149.18,paid_off,not_applicable,moderate_burden
South Africa,2025,rural,female,62,55+,second,primary,employed_informal,271.9,4,good,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,male,25,18-24,second,secondary,self_employed,356.04,6,none,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,54,45-54,second,secondary,self_employed,145.31,5,none,0,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,19,18-24,middle,primary,employed_informal,66.69,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,48,45-54,middle,tertiary,farmer,100.5,7,limited,0,201,1,informal_lender,2532.51,guarantor,debt_consolidation,1,2177.34,0.786,36,108.04,paid_off,not_applicable,moderate_burden
Rwanda,2021,rural,male,32,25-34,middle,tertiary,employed_informal,82.69,3,excellent,1,431,1,sacco,2645.58,savings,consumption,1,2599.64,0.285,6,556.93,late_60_days,not_applicable,moderate_burden
Mozambique,2025,urban,female,23,18-24,middle,primary,self_employed,239.91,4,none,1,477,1,digital_lender,12809.05,equipment,education,1,11952.55,0.427,6,2842.62,current,not_applicable,moderate_burden
Niger,2024,rural,female,26,25-34,fourth,primary,self_employed,427.23,2,none,0,475,1,informal_lender,11610.04,none,agriculture,1,11437.7,0.801,6,3434.05,current,not_applicable,moderate_burden
DRC,2024,rural,male,58,55+,second,secondary,unemployed,40.64,1,none,1,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,19,18-24,second,secondary,self_employed,310.57,10,none,0,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,59,55+,lowest,primary,employed_informal,437.26,3,none,0,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,19,18-24,second,none,farmer,118.08,10,limited,0,459,1,family_friends,4097.2,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2025,rural,female,68,55+,fourth,primary,employed_informal,1380.63,8,limited,1,800,1,microfinance,14027.34,none,business,1,12603.16,0.295,18,906.61,current,not_applicable,moderate_burden
Malawi,2020,rural,female,29,25-34,lowest,tertiary,self_employed,180.79,9,limited,1,683,1,digital_lender,4226.98,none,emergency,1,3660.6,0.488,6,908.04,current,not_applicable,moderate_burden
Ethiopia,2024,rural,female,38,35-44,fourth,primary,self_employed,711.33,5,none,1,0,1,sacco,5648.05,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2020,urban,male,58,55+,fourth,primary,self_employed,454.51,9,good,0,325,1,informal_lender,5518.69,none,asset_purchase,1,5087.83,0.795,12,760.9,defaulted,not_applicable,moderate_burden
Niger,2023,rural,female,68,55+,highest,secondary,farmer,653.21,2,limited,0,201,1,family_friends,7004.21,none,emergency,1,6825.83,0.073,12,610.41,late_60_days,not_applicable,moderate_burden
Malawi,2020,rural,male,53,45-54,second,secondary,self_employed,257.0,7,limited,1,490,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,19,18-24,fourth,primary,employed_informal,258.38,7,limited,0,397,1,sacco,5349.15,guarantor,education,1,5231.46,0.338,12,583.32,current,not_applicable,moderate_burden
Mali,2020,rural,male,55,45-54,second,tertiary,farmer,137.61,9,limited,0,590,1,sacco,2715.85,none,education,1,2213.74,0.342,6,494.98,current,not_applicable,moderate_burden
Mozambique,2018,urban,male,62,55+,lowest,primary,employed_formal,321.5,4,none,0,601,1,employer,3190.34,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2020,urban,female,61,55+,middle,primary,farmer,100.66,10,none,0,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,female,22,18-24,middle,secondary,employed_informal,233.71,8,none,0,18,1,family_friends,3521.53,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2020,urban,male,24,18-24,middle,none,self_employed,208.17,2,good,1,850,1,sacco,3400.4,guarantor,consumption,1,3176.36,0.314,12,347.88,defaulted,not_applicable,moderate_burden
Tanzania,2019,urban,female,42,35-44,lowest,primary,self_employed,121.62,3,good,1,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,male,53,45-54,fourth,primary,farmer,1218.61,3,limited,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,urban,male,27,25-34,highest,primary,employed_informal,757.14,4,good,0,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,29,25-34,lowest,tertiary,self_employed,19.46,6,none,0,0,1,sacco,971.28,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2023,urban,female,66,55+,middle,tertiary,self_employed,355.36,6,none,1,0,1,commercial_bank,2871.59,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2019,rural,female,36,35-44,second,tertiary,farmer,444.54,3,none,1,576,1,family_friends,6772.18,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,urban,female,30,25-34,lowest,tertiary,self_employed,57.65,10,good,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,23,18-24,lowest,secondary,farmer,132.22,8,none,0,633,1,sacco,2570.17,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,rural,female,41,35-44,lowest,primary,employed_formal,237.0,7,limited,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,female,45,35-44,fourth,secondary,unemployed,775.98,1,limited,1,716,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,20,18-24,lowest,primary,self_employed,44.14,7,none,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,37,35-44,middle,primary,unemployed,673.43,1,none,0,726,1,commercial_bank,9135.61,none,business,1,9050.83,0.208,36,303.67,current,not_applicable,moderate_burden
Kenya,2021,urban,female,38,35-44,lowest,none,unemployed,163.6,4,none,1,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,57,55+,highest,primary,employed_formal,2507.22,8,none,1,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,28,25-34,highest,secondary,employed_formal,659.08,10,excellent,0,850,1,family_friends,3585.14,guarantor,business,1,3501.39,0.096,48,79.95,paid_off,not_applicable,moderate_burden
Malawi,2023,urban,female,25,18-24,second,tertiary,self_employed,149.76,7,none,1,389,1,commercial_bank,6155.07,guarantor,business,1,5137.57,0.181,12,505.59,current,not_applicable,moderate_burden
Zambia,2024,rural,male,61,55+,highest,secondary,employed_informal,615.74,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,female,61,55+,fourth,secondary,farmer,850.63,1,good,1,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,46,45-54,second,tertiary,self_employed,84.45,10,none,1,181,1,digital_lender,2912.08,guarantor,debt_consolidation,1,2744.65,0.455,24,166.43,paid_off,not_applicable,moderate_burden
Rwanda,2018,rural,female,29,25-34,fourth,secondary,employed_formal,664.25,7,none,1,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,43,35-44,fourth,primary,farmer,293.92,5,good,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,62,55+,highest,tertiary,employed_informal,756.68,1,limited,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,55,45-54,second,secondary,self_employed,166.55,2,good,0,235,1,digital_lender,4188.74,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2021,rural,female,68,55+,lowest,secondary,farmer,39.23,2,good,0,410,1,informal_lender,1836.5,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2021,rural,female,49,45-54,lowest,secondary,employed_informal,21.75,5,limited,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,20,18-24,second,primary,self_employed,113.99,2,limited,0,5,1,informal_lender,3955.47,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2025,rural,female,22,18-24,second,tertiary,employed_informal,131.21,6,limited,0,13,1,informal_lender,2637.97,equipment,business,1,2603.15,0.847,12,400.66,paid_off,not_applicable,moderate_burden
Kenya,2021,rural,female,41,35-44,middle,primary,self_employed,384.51,3,none,1,389,1,commercial_bank,4720.7,property,business,1,3801.1,0.138,18,240.42,current,not_applicable,moderate_burden
Mozambique,2023,rural,male,29,25-34,lowest,secondary,self_employed,12.66,2,good,0,696,1,family_friends,1097.33,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2025,rural,male,18,18-24,middle,secondary,farmer,536.02,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,51,45-54,second,secondary,employed_informal,152.87,3,none,1,675,1,sacco,6565.79,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ghana,2025,urban,male,47,45-54,fourth,secondary,self_employed,1662.08,1,none,1,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,37,35-44,second,primary,employed_formal,73.11,9,limited,1,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,male,42,35-44,highest,secondary,self_employed,1979.94,8,limited,1,105,1,microfinance,28032.8,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Zambia,2024,rural,male,25,18-24,highest,secondary,farmer,562.8,5,limited,1,265,1,microfinance,5434.3,guarantor,business,1,4781.71,0.28,18,339.96,current,not_applicable,moderate_burden
Rwanda,2022,rural,male,47,45-54,fourth,primary,farmer,246.93,9,none,1,605,1,microfinance,4562.2,equipment,education,1,3895.61,0.345,24,218.27,current,not_applicable,moderate_burden
Mozambique,2022,rural,female,21,18-24,highest,primary,employed_formal,284.55,10,excellent,1,850,1,microfinance,6533.07,none,agriculture,1,6494.77,0.326,18,478.35,late_30_days,not_applicable,moderate_burden
Kenya,2020,rural,female,62,55+,fourth,primary,self_employed,779.05,6,limited,1,38,1,microfinance,8658.91,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2021,rural,female,44,35-44,middle,tertiary,unemployed,120.15,1,good,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,27,25-34,lowest,primary,employed_informal,72.26,2,limited,1,232,1,commercial_bank,6074.41,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2024,urban,female,49,45-54,lowest,secondary,self_employed,120.85,8,limited,1,755,1,sacco,6450.1,none,business,1,6431.09,0.3,24,348.27,current,not_applicable,moderate_burden
Rwanda,2019,rural,male,18,18-24,fourth,primary,employed_formal,171.55,9,good,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,47,45-54,lowest,none,employed_formal,88.12,4,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,male,37,35-44,lowest,none,employed_informal,112.48,5,good,1,112,1,commercial_bank,3578.08,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2023,urban,male,43,35-44,highest,primary,employed_formal,4397.97,9,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,69,55+,highest,secondary,employed_formal,2343.63,4,none,0,137,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,57,55+,lowest,primary,self_employed,90.62,5,good,1,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,24,18-24,fourth,secondary,self_employed,295.35,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,28,25-34,fourth,primary,employed_informal,115.6,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,25,18-24,second,secondary,farmer,159.85,10,none,0,284,1,informal_lender,4155.97,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2020,urban,male,56,55+,second,secondary,self_employed,420.05,4,excellent,0,732,1,sacco,1757.8,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2018,rural,male,37,35-44,middle,secondary,farmer,134.89,8,none,0,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,male,60,55+,second,secondary,employed_informal,203.25,7,none,0,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,male,39,35-44,lowest,primary,farmer,143.93,7,none,1,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,69,55+,lowest,primary,farmer,17.16,3,none,0,494,1,microfinance,1748.7,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2024,rural,female,33,25-34,second,secondary,employed_formal,64.23,8,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,47,45-54,highest,secondary,employed_informal,836.83,1,limited,1,664,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,21,18-24,highest,none,employed_informal,1225.57,5,none,0,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,female,39,35-44,second,primary,farmer,62.88,10,limited,0,632,1,family_friends,1641.8,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2020,urban,female,42,35-44,middle,primary,farmer,86.52,1,limited,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,male,40,35-44,fourth,secondary,employed_informal,115.47,1,none,1,483,1,family_friends,2265.58,equipment,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2025,rural,male,42,35-44,second,secondary,self_employed,30.76,6,good,0,850,1,microfinance,3188.53,vehicle,business,1,3073.83,0.321,36,112.78,late_60_days,not_applicable,moderate_burden
Mali,2024,urban,female,54,45-54,fourth,primary,employed_informal,375.66,7,none,0,424,1,sacco,3382.52,savings,business,1,3112.84,0.291,24,167.4,defaulted,not_applicable,moderate_burden
Kenya,2022,urban,female,25,18-24,lowest,secondary,employed_formal,90.6,5,none,1,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,22,18-24,highest,none,employed_formal,253.14,10,good,1,527,1,commercial_bank,18879.99,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2021,rural,female,34,25-34,second,secondary,employed_informal,92.28,10,limited,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,51,45-54,highest,primary,farmer,208.77,10,none,0,126,1,family_friends,4433.2,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2021,rural,female,54,45-54,lowest,none,unemployed,24.08,1,good,1,121,1,microfinance,1544.23,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2024,rural,female,34,25-34,lowest,primary,farmer,76.25,9,none,0,565,1,microfinance,3455.48,none,agriculture,1,2841.43,0.335,18,210.68,current,not_applicable,moderate_burden
Mali,2021,urban,female,21,18-24,lowest,none,farmer,79.27,10,none,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,male,55,45-54,fourth,none,self_employed,224.5,4,none,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,60,55+,lowest,none,farmer,40.47,2,none,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,21,18-24,second,secondary,farmer,111.06,2,limited,1,362,1,digital_lender,1473.16,vehicle,business,1,1213.37,0.435,36,48.37,current,not_applicable,moderate_burden
Rwanda,2019,urban,female,30,25-34,lowest,secondary,unemployed,59.99,1,limited,1,152,1,sacco,4457.05,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2021,urban,male,39,35-44,highest,secondary,farmer,1319.99,6,none,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,41,35-44,highest,tertiary,self_employed,200.82,1,excellent,1,564,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,40,35-44,lowest,primary,self_employed,125.55,9,none,0,352,1,sacco,1351.94,none,agriculture,1,1091.42,0.333,24,60.61,current,not_applicable,moderate_burden
Malawi,2023,urban,female,27,25-34,lowest,none,self_employed,83.48,9,limited,1,744,1,commercial_bank,6550.12,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2020,rural,female,46,45-54,second,tertiary,employed_informal,144.25,6,good,0,350,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,46,45-54,middle,tertiary,self_employed,253.45,4,limited,1,740,1,sacco,8275.53,none,consumption,1,7390.66,0.319,12,812.42,current,not_applicable,moderate_burden
Tanzania,2024,urban,male,25,18-24,second,secondary,unemployed,67.12,4,none,0,255,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,53,45-54,highest,tertiary,employed_informal,1411.01,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,47,45-54,lowest,tertiary,farmer,94.54,5,limited,1,100,1,microfinance,3671.15,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2023,urban,female,30,25-34,middle,primary,farmer,1144.92,10,none,0,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,male,28,25-34,lowest,secondary,farmer,103.84,4,limited,0,686,1,microfinance,2774.83,savings,asset_purchase,1,2567.65,0.33,24,142.33,current,not_applicable,moderate_burden
South Africa,2025,rural,female,60,55+,lowest,tertiary,farmer,41.41,2,none,0,101,1,family_friends,732.23,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,rural,male,41,35-44,lowest,none,self_employed,57.65,6,none,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,59,55+,middle,secondary,self_employed,568.3,2,limited,1,111,1,microfinance,5518.55,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2020,rural,female,49,45-54,fourth,none,employed_formal,387.58,10,limited,0,214,1,digital_lender,12127.62,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2021,urban,female,44,35-44,highest,tertiary,unemployed,1213.39,5,none,0,654,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,43,35-44,highest,none,unemployed,803.63,2,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,urban,female,33,25-34,fourth,none,employed_informal,589.15,1,none,1,0,1,family_friends,10081.51,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2020,rural,male,22,18-24,lowest,primary,unemployed,81.08,1,none,0,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,23,18-24,lowest,tertiary,farmer,129.53,7,limited,1,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,male,41,35-44,second,primary,self_employed,178.41,4,good,0,555,1,microfinance,4844.52,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ghana,2024,rural,female,19,18-24,lowest,secondary,unemployed,18.52,4,limited,0,186,1,informal_lender,2471.35,guarantor,agriculture,1,2027.82,0.759,12,297.31,late_30_days,not_applicable,moderate_burden
Zambia,2021,urban,male,64,55+,fourth,primary,employed_informal,334.29,1,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,61,55+,fourth,primary,employed_informal,107.23,3,limited,0,545,1,family_friends,2826.85,equipment,business,1,2271.8,0.027,18,129.65,current,not_applicable,moderate_burden
Ethiopia,2019,urban,male,58,55+,fourth,secondary,self_employed,277.19,10,limited,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,64,55+,fourth,secondary,employed_formal,136.88,8,excellent,1,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,urban,female,26,25-34,middle,secondary,employed_informal,267.8,3,limited,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,52,45-54,fourth,primary,employed_informal,312.68,8,none,1,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,59,55+,middle,none,self_employed,57.47,1,none,0,602,1,digital_lender,3219.13,guarantor,agriculture,1,2893.71,0.455,18,233.97,late_30_days,not_applicable,moderate_burden
Tanzania,2020,urban,female,48,45-54,middle,tertiary,employed_informal,177.93,3,none,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,male,59,55+,highest,tertiary,unemployed,220.69,1,none,1,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,22,18-24,second,primary,employed_informal,149.31,7,good,0,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,female,51,45-54,fourth,tertiary,unemployed,146.62,6,limited,0,370,1,family_friends,1828.13,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2019,urban,female,25,18-24,middle,none,self_employed,272.98,4,none,1,53,1,digital_lender,8707.23,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Niger,2024,rural,female,55,45-54,fourth,primary,self_employed,714.03,5,limited,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,male,47,45-54,fourth,none,employed_informal,257.5,3,none,0,731,1,microfinance,5480.95,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2020,rural,female,57,55+,lowest,secondary,self_employed,50.63,5,limited,0,793,1,informal_lender,3762.62,guarantor,emergency,1,3745.35,0.787,24,278.89,current,not_applicable,moderate_burden
Rwanda,2021,rural,male,44,35-44,highest,tertiary,unemployed,762.39,1,good,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,62,55+,second,secondary,self_employed,134.97,6,none,0,0,1,microfinance,1839.9,property,business,1,1589.46,0.319,24,87.36,paid_off,not_applicable,moderate_burden
Rwanda,2018,rural,female,54,45-54,highest,tertiary,farmer,544.53,4,none,0,335,1,informal_lender,11647.71,equipment,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2022,rural,male,26,25-34,fourth,secondary,self_employed,718.91,6,none,0,532,1,commercial_bank,3318.08,equipment,education,1,3262.86,0.185,48,80.53,current,not_applicable,moderate_burden
Nigeria,2022,rural,female,69,55+,middle,secondary,self_employed,98.48,10,none,0,366,1,informal_lender,1946.11,guarantor,asset_purchase,1,1945.69,0.754,12,284.36,late_60_days,not_applicable,moderate_burden
Tanzania,2024,urban,male,62,55+,fourth,primary,self_employed,1443.42,5,limited,0,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,56,55+,second,none,employed_informal,66.43,7,limited,1,324,1,microfinance,4299.58,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2025,urban,female,26,25-34,middle,primary,employed_formal,350.85,10,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,male,59,55+,lowest,tertiary,farmer,91.02,7,excellent,1,515,1,digital_lender,1636.12,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2022,rural,male,55,45-54,middle,none,self_employed,208.9,3,limited,1,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,41,35-44,lowest,none,employed_informal,25.42,6,none,0,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,20,18-24,lowest,none,self_employed,40.05,2,none,0,76,1,family_friends,1937.35,vehicle,business,1,1726.62,0.088,12,156.51,current,not_applicable,moderate_burden
Mali,2023,urban,female,27,25-34,fourth,primary,unemployed,371.12,3,none,0,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,37,35-44,middle,none,employed_informal,112.73,1,limited,0,754,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,60,55+,lowest,secondary,employed_formal,47.93,6,good,1,811,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,62,55+,second,primary,self_employed,48.16,7,none,1,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,59,55+,highest,secondary,self_employed,820.4,6,limited,1,373,1,microfinance,4873.31,guarantor,agriculture,1,4171.42,0.312,18,304.15,current,not_applicable,moderate_burden
Rwanda,2021,rural,male,59,55+,second,secondary,employed_informal,440.55,6,none,0,261,1,sacco,2163.59,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2024,urban,male,62,55+,fourth,primary,employed_informal,1548.4,5,none,1,194,1,commercial_bank,2071.29,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2020,rural,female,57,55+,lowest,secondary,self_employed,74.86,2,good,1,542,1,family_friends,1569.55,none,education,1,1495.72,0.01,18,83.89,current,not_applicable,moderate_burden
Tanzania,2023,rural,male,23,18-24,fourth,primary,self_employed,468.62,2,good,0,727,1,digital_lender,2951.25,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2024,urban,female,56,55+,middle,tertiary,farmer,154.91,6,none,1,0,1,commercial_bank,1131.46,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2023,rural,female,21,18-24,second,secondary,self_employed,250.21,5,none,1,102,1,microfinance,8886.87,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2021,rural,male,44,35-44,second,secondary,employed_informal,143.0,10,none,0,224,1,family_friends,3430.65,none,consumption,1,2840.48,0.016,36,80.14,current,not_applicable,moderate_burden
Uganda,2025,rural,male,59,55+,highest,primary,farmer,816.84,7,none,1,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,48,45-54,fourth,secondary,farmer,2167.78,6,none,0,626,1,informal_lender,11001.03,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2024,rural,male,38,35-44,middle,secondary,employed_informal,379.74,5,limited,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,57,55+,middle,primary,farmer,1211.97,2,none,0,526,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,23,18-24,second,primary,self_employed,36.3,9,none,1,175,1,digital_lender,6507.51,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2021,rural,male,22,18-24,highest,primary,self_employed,1050.96,10,none,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,47,45-54,fourth,none,self_employed,119.93,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,male,43,35-44,fourth,secondary,employed_informal,278.41,2,limited,0,126,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,23,18-24,fourth,none,employed_formal,85.03,9,none,1,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,male,38,35-44,fourth,tertiary,self_employed,878.09,6,limited,0,466,1,informal_lender,2581.84,none,asset_purchase,1,2548.4,0.846,6,784.26,current,not_applicable,moderate_burden
Ethiopia,2018,rural,female,29,25-34,lowest,primary,self_employed,20.75,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,33,25-34,lowest,secondary,farmer,151.06,7,none,0,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,38,35-44,middle,secondary,self_employed,61.05,5,none,1,661,1,microfinance,8429.02,equipment,asset_purchase,1,7617.45,0.317,6,1672.26,current,not_applicable,moderate_burden
Kenya,2018,urban,female,23,18-24,middle,tertiary,farmer,228.42,6,none,1,522,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,female,54,45-54,highest,tertiary,self_employed,907.13,7,good,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,66,55+,second,none,farmer,119.15,7,limited,0,404,1,sacco,3375.58,savings,business,1,3076.74,0.271,24,162.91,paid_off,not_applicable,moderate_burden
Ethiopia,2023,rural,male,39,35-44,highest,primary,farmer,1263.8,6,none,1,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,male,54,45-54,second,primary,unemployed,98.49,4,good,0,539,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,female,36,35-44,highest,tertiary,self_employed,191.76,10,none,1,760,1,microfinance,2524.66,equipment,education,1,2195.52,0.323,24,121.03,current,not_applicable,moderate_burden
Kenya,2021,rural,male,30,25-34,highest,secondary,farmer,884.13,6,none,1,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,59,55+,middle,primary,farmer,239.38,4,limited,0,283,1,family_friends,2092.89,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2023,rural,female,67,55+,second,primary,self_employed,93.82,9,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,32,25-34,middle,secondary,self_employed,133.22,6,none,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,female,46,45-54,second,secondary,farmer,32.16,10,limited,1,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,54,45-54,middle,primary,employed_informal,179.83,3,none,1,150,1,digital_lender,4279.96,guarantor,education,1,3746.64,0.401,24,218.77,late_60_days,not_applicable,moderate_burden
South Africa,2024,rural,male,21,18-24,lowest,secondary,farmer,123.32,1,none,0,120,1,family_friends,8563.89,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2019,rural,male,59,55+,highest,secondary,unemployed,237.17,3,good,0,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,female,64,55+,lowest,secondary,employed_informal,34.32,3,none,1,10,1,commercial_bank,1062.8,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2020,rural,male,20,18-24,fourth,primary,farmer,847.15,3,limited,0,301,1,sacco,20000.25,none,emergency,1,19701.74,0.369,12,2248.46,late_60_days,not_applicable,moderate_burden
Tanzania,2020,urban,female,64,55+,middle,secondary,employed_informal,846.14,3,limited,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,55,45-54,highest,secondary,self_employed,348.59,6,none,0,291,1,family_friends,3065.36,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2018,rural,female,32,25-34,lowest,primary,self_employed,119.23,1,none,0,749,1,microfinance,3402.22,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2024,rural,male,52,45-54,lowest,none,self_employed,79.02,6,excellent,0,232,1,microfinance,2672.66,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2025,rural,female,36,35-44,second,none,employed_informal,45.45,1,limited,1,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,39,35-44,lowest,secondary,self_employed,14.57,8,limited,0,492,1,informal_lender,436.3,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2021,urban,male,33,25-34,highest,tertiary,employed_informal,1670.23,4,limited,0,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,52,45-54,lowest,primary,unemployed,13.89,1,limited,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,female,19,18-24,fourth,none,self_employed,430.41,5,good,1,465,1,sacco,1957.54,guarantor,business,1,1849.48,0.326,24,102.18,current,not_applicable,moderate_burden
Zambia,2024,rural,male,33,25-34,middle,none,unemployed,105.76,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,63,55+,highest,tertiary,employed_informal,247.85,5,excellent,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,37,35-44,fourth,primary,farmer,262.78,5,none,0,0,1,informal_lender,5149.2,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2022,urban,female,23,18-24,middle,tertiary,unemployed,296.07,4,limited,0,221,1,microfinance,10920.92,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2024,rural,male,39,35-44,lowest,secondary,employed_informal,68.58,6,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,female,32,25-34,lowest,primary,employed_informal,265.25,2,limited,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,34,25-34,middle,none,employed_informal,196.16,7,good,0,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,24,18-24,second,tertiary,employed_informal,149.69,1,limited,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,56,55+,fourth,tertiary,employed_informal,1139.47,1,none,1,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,male,68,55+,second,tertiary,employed_formal,275.6,7,none,0,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,59,55+,lowest,primary,self_employed,39.83,2,limited,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,61,55+,lowest,secondary,self_employed,64.08,7,none,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,male,55,45-54,second,none,employed_informal,43.09,6,limited,0,72,1,digital_lender,4053.08,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2025,urban,female,22,18-24,highest,primary,employed_informal,1617.35,5,none,0,705,1,family_friends,6008.38,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,rural,male,36,35-44,middle,tertiary,self_employed,145.78,7,none,0,287,1,microfinance,3293.71,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2018,urban,male,58,55+,second,primary,self_employed,132.5,8,limited,1,532,1,microfinance,4716.03,guarantor,business,1,4558.79,0.368,18,346.53,current,not_applicable,moderate_burden
Kenya,2018,urban,female,25,18-24,highest,tertiary,employed_formal,1593.22,10,limited,1,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,32,25-34,second,tertiary,employed_informal,148.06,2,limited,0,726,1,family_friends,1352.97,none,business,1,1312.3,0.032,12,112.88,current,not_applicable,moderate_burden
Mali,2019,rural,female,56,55+,lowest,secondary,farmer,52.56,10,excellent,1,373,1,commercial_bank,1165.49,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2021,urban,male,24,18-24,middle,none,self_employed,266.64,6,good,0,694,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,61,55+,highest,secondary,employed_informal,305.8,10,none,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,female,42,35-44,highest,none,self_employed,416.71,7,limited,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,22,18-24,fourth,secondary,self_employed,518.28,6,limited,1,495,1,microfinance,5099.54,guarantor,business,1,4644.03,0.275,36,164.46,current,not_applicable,moderate_burden
Rwanda,2021,rural,male,41,35-44,middle,primary,farmer,331.92,5,excellent,0,769,1,informal_lender,3350.41,guarantor,business,1,2703.9,0.815,36,136.31,current,not_applicable,moderate_burden
Senegal,2025,urban,female,34,25-34,lowest,primary,employed_informal,150.06,4,none,0,10,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,26,25-34,fourth,none,employed_informal,410.63,8,good,1,598,1,informal_lender,3248.86,savings,debt_consolidation,1,3073.15,0.767,6,904.98,current,not_applicable,moderate_burden
Mozambique,2025,rural,male,49,45-54,fourth,secondary,employed_formal,347.06,7,limited,1,637,1,commercial_bank,6976.03,guarantor,debt_consolidation,1,6477.02,0.23,48,165.97,current,not_applicable,moderate_burden
DRC,2020,rural,female,52,45-54,second,primary,self_employed,203.01,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,38,35-44,highest,tertiary,self_employed,244.58,6,none,0,490,1,informal_lender,5181.97,none,consumption,1,4696.71,0.813,6,1418.96,current,not_applicable,moderate_burden
Tanzania,2019,rural,female,22,18-24,middle,primary,self_employed,282.31,4,none,0,146,1,family_friends,12504.07,property,emergency,1,10239.27,0.024,6,1747.93,current,not_applicable,moderate_burden
Zambia,2018,urban,male,20,18-24,lowest,secondary,farmer,63.35,5,none,0,553,1,informal_lender,1140.68,none,debt_consolidation,1,1058.3,0.844,48,40.66,paid_off,not_applicable,moderate_burden
Zambia,2018,rural,male,56,55+,second,primary,employed_formal,122.44,10,limited,1,746,1,commercial_bank,779.28,guarantor,business,1,660.37,0.151,18,42.21,current,not_applicable,moderate_burden
Mali,2022,urban,male,26,25-34,lowest,secondary,employed_informal,165.08,4,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,37,35-44,highest,secondary,self_employed,835.5,4,limited,1,775,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,20,18-24,second,primary,employed_formal,108.12,10,good,0,752,1,informal_lender,2756.78,guarantor,education,1,2342.49,0.795,24,175.19,current,not_applicable,moderate_burden
Kenya,2024,urban,female,32,25-34,middle,secondary,employed_formal,78.96,10,none,1,64,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,male,52,45-54,fourth,primary,self_employed,274.8,7,none,1,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,42,35-44,fourth,primary,employed_informal,220.01,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,male,36,35-44,lowest,none,employed_informal,294.38,6,none,1,672,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,23,18-24,lowest,secondary,self_employed,72.99,3,limited,1,360,1,sacco,3657.07,guarantor,business,1,2998.08,0.282,18,213.48,current,not_applicable,moderate_burden
Malawi,2022,urban,female,39,35-44,second,tertiary,self_employed,221.26,2,none,1,642,1,microfinance,11779.57,guarantor,asset_purchase,1,11230.17,0.357,36,423.32,paid_off,not_applicable,moderate_burden
Mali,2019,rural,female,67,55+,second,tertiary,self_employed,171.0,9,excellent,0,308,1,sacco,4939.12,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2019,urban,male,21,18-24,second,secondary,employed_formal,613.84,10,good,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,67,55+,lowest,primary,unemployed,133.34,6,none,1,17,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,male,45,35-44,fourth,secondary,unemployed,183.36,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,22,18-24,fourth,secondary,self_employed,1067.31,5,good,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,26,25-34,second,tertiary,employed_informal,60.75,5,excellent,0,784,1,family_friends,3699.53,equipment,asset_purchase,1,3091.26,0.026,6,528.49,current,not_applicable,moderate_burden
Nigeria,2018,urban,male,61,55+,middle,secondary,unemployed,536.45,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,43,35-44,lowest,none,self_employed,101.15,3,excellent,1,466,1,digital_lender,6446.27,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2020,rural,female,53,45-54,highest,primary,farmer,854.29,10,none,1,487,1,commercial_bank,8796.18,savings,business,1,7401.27,0.193,48,183.89,paid_off,not_applicable,moderate_burden
Ethiopia,2023,rural,female,51,45-54,fourth,secondary,employed_informal,363.6,10,limited,1,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,64,55+,fourth,none,employed_informal,534.31,6,good,1,201,1,digital_lender,2315.56,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2020,rural,female,22,18-24,lowest,secondary,farmer,39.26,5,none,0,722,1,sacco,773.51,none,housing,1,619.29,0.311,36,22.56,current,not_applicable,moderate_burden
Rwanda,2021,rural,male,21,18-24,middle,none,farmer,154.36,10,none,1,119,1,family_friends,5894.82,guarantor,agriculture,1,5652.08,0.026,12,483.31,current,not_applicable,moderate_burden
DRC,2018,rural,male,56,55+,second,primary,unemployed,411.91,6,none,0,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,48,45-54,highest,primary,self_employed,514.88,4,limited,1,364,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,male,65,55+,middle,primary,unemployed,177.59,1,none,1,144,1,informal_lender,9031.57,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2019,rural,male,66,55+,lowest,tertiary,employed_informal,16.6,2,none,1,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,54,45-54,middle,primary,unemployed,97.94,1,limited,0,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,57,55+,fourth,secondary,farmer,238.79,5,limited,1,699,1,commercial_bank,7125.23,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2023,rural,male,69,55+,middle,tertiary,unemployed,160.14,3,none,1,690,1,commercial_bank,5320.3,equipment,business,1,4820.6,0.212,12,487.04,current,not_applicable,moderate_burden
Mozambique,2018,rural,female,46,45-54,highest,secondary,self_employed,230.34,6,good,1,229,1,digital_lender,10046.54,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2022,rural,male,32,25-34,lowest,none,unemployed,119.5,3,limited,0,289,1,family_friends,3422.23,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2022,urban,female,39,35-44,second,primary,farmer,256.89,7,none,1,251,1,digital_lender,5482.9,savings,business,1,4424.27,0.417,12,522.46,current,not_applicable,moderate_burden
DRC,2025,rural,female,36,35-44,second,none,self_employed,143.2,2,none,0,0,1,family_friends,4414.26,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2018,urban,male,28,25-34,highest,secondary,farmer,408.24,10,limited,0,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,male,34,25-34,second,tertiary,employed_informal,178.42,4,good,1,172,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,46,45-54,fourth,tertiary,employed_formal,343.48,10,limited,0,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,47,45-54,second,secondary,farmer,84.54,5,limited,0,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,male,46,45-54,second,primary,employed_informal,124.28,8,limited,0,78,1,microfinance,14821.81,savings,asset_purchase,1,12484.96,0.279,18,887.21,current,not_applicable,moderate_burden
Malawi,2019,urban,male,41,35-44,fourth,primary,farmer,272.82,7,none,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,male,24,18-24,lowest,secondary,farmer,145.4,1,good,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,male,27,25-34,second,none,self_employed,145.78,9,none,1,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,55,45-54,highest,secondary,employed_informal,1981.31,8,none,1,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,female,27,25-34,fourth,primary,employed_informal,365.61,4,none,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,59,55+,middle,none,self_employed,349.27,10,none,1,363,1,commercial_bank,3283.77,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2019,urban,male,27,25-34,lowest,none,farmer,86.6,3,none,0,318,1,informal_lender,3804.34,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2024,urban,female,28,25-34,middle,primary,self_employed,378.65,4,none,0,0,1,informal_lender,4395.8,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2018,urban,male,32,25-34,lowest,primary,unemployed,19.65,2,limited,1,795,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,female,67,55+,lowest,none,farmer,18.71,10,none,1,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,urban,female,37,35-44,lowest,secondary,self_employed,51.37,8,limited,0,74,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,54,45-54,fourth,secondary,farmer,355.15,7,none,0,372,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,23,18-24,middle,none,self_employed,207.58,8,none,0,59,1,microfinance,2803.83,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2024,rural,male,46,45-54,middle,primary,self_employed,1016.75,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,39,35-44,second,primary,self_employed,257.61,5,limited,1,391,1,commercial_bank,8295.15,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2025,rural,male,39,35-44,fourth,secondary,farmer,512.71,7,none,0,33,1,informal_lender,18062.15,property,education,1,16531.2,0.779,6,4902.55,defaulted,not_applicable,moderate_burden
Ethiopia,2022,rural,male,19,18-24,middle,secondary,employed_informal,1120.41,9,good,0,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,19,18-24,second,primary,farmer,113.31,9,none,0,525,1,family_friends,1733.76,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2020,urban,male,34,25-34,middle,secondary,unemployed,714.85,3,none,1,738,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,urban,female,67,55+,lowest,secondary,self_employed,68.14,4,limited,0,121,1,sacco,1601.37,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2018,urban,male,18,18-24,fourth,none,farmer,565.87,7,limited,1,234,1,family_friends,7890.44,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2023,urban,male,21,18-24,highest,secondary,self_employed,686.28,9,good,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,29,25-34,lowest,tertiary,employed_informal,90.15,7,limited,1,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,27,25-34,highest,tertiary,self_employed,178.7,10,none,0,784,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,52,45-54,lowest,secondary,self_employed,87.42,5,limited,0,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,49,45-54,middle,primary,farmer,172.14,9,none,0,339,1,microfinance,2113.67,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2023,urban,female,59,55+,highest,none,unemployed,2061.5,2,none,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,18,18-24,second,primary,self_employed,167.28,7,good,0,598,1,family_friends,5986.46,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2021,rural,female,50,45-54,middle,secondary,unemployed,270.7,2,none,1,515,1,digital_lender,7193.15,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,rural,male,53,45-54,fourth,secondary,employed_informal,334.42,7,good,0,850,1,digital_lender,5467.96,vehicle,emergency,1,4564.94,0.454,24,276.57,current,not_applicable,moderate_burden
Mali,2023,urban,female,63,55+,middle,none,self_employed,320.07,1,excellent,1,195,1,microfinance,4939.45,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2022,urban,male,41,35-44,second,primary,employed_informal,105.95,5,good,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,male,42,35-44,lowest,secondary,farmer,86.07,7,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,41,35-44,fourth,none,self_employed,164.03,5,excellent,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,65,55+,second,primary,employed_informal,160.31,5,good,1,350,1,digital_lender,6073.01,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2019,rural,female,21,18-24,fourth,tertiary,employed_informal,126.01,1,limited,1,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,38,35-44,second,primary,employed_informal,262.53,5,limited,1,19,1,commercial_bank,6176.68,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2021,urban,female,49,45-54,second,none,self_employed,165.8,8,limited,0,78,1,microfinance,2957.26,savings,housing,1,2496.39,0.328,12,276.18,late_30_days,not_applicable,moderate_burden
South Africa,2020,rural,female,64,55+,highest,secondary,self_employed,794.94,3,limited,0,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,male,45,35-44,lowest,tertiary,farmer,42.8,1,good,1,665,1,sacco,1335.07,guarantor,business,1,1135.72,0.291,12,122.18,current,not_applicable,moderate_burden
Ethiopia,2018,urban,male,56,55+,highest,primary,self_employed,711.5,9,limited,1,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,51,45-54,middle,tertiary,employed_informal,193.4,3,limited,0,235,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,49,45-54,fourth,secondary,farmer,401.76,1,none,0,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,female,58,55+,fourth,primary,farmer,293.06,1,limited,0,373,1,informal_lender,3225.26,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2025,urban,female,26,25-34,second,primary,employed_informal,180.81,2,none,0,243,1,commercial_bank,8476.24,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2021,rural,female,34,25-34,middle,primary,self_employed,143.15,8,good,0,850,1,informal_lender,3375.64,none,consumption,1,3150.33,0.807,24,237.19,current,not_applicable,moderate_burden
Rwanda,2025,urban,male,57,55+,middle,secondary,employed_formal,655.93,5,none,0,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,38,35-44,second,secondary,unemployed,138.07,1,none,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,male,41,35-44,lowest,none,employed_informal,80.35,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,65,55+,fourth,primary,employed_informal,1163.94,3,excellent,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,22,18-24,second,tertiary,employed_informal,191.89,4,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,male,53,45-54,second,primary,employed_formal,186.65,7,none,1,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,male,58,55+,middle,secondary,employed_informal,439.55,3,excellent,1,302,1,digital_lender,9956.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2021,rural,male,43,35-44,middle,none,employed_formal,95.63,4,excellent,0,511,1,informal_lender,6426.71,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2020,rural,male,39,35-44,highest,secondary,employed_informal,667.96,7,good,1,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,female,63,55+,second,primary,employed_informal,181.02,3,none,1,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,34,25-34,second,primary,farmer,63.66,5,none,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,62,55+,middle,none,self_employed,1085.51,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,46,45-54,lowest,none,employed_formal,125.38,10,none,0,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,67,55+,second,secondary,unemployed,100.17,1,limited,0,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,62,55+,middle,primary,employed_informal,338.39,8,limited,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,male,36,35-44,lowest,tertiary,employed_informal,35.51,2,good,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,male,42,35-44,fourth,tertiary,employed_informal,359.98,2,limited,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,40,35-44,second,primary,employed_informal,117.38,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,63,55+,lowest,secondary,farmer,105.69,9,limited,0,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,43,35-44,highest,secondary,employed_informal,586.14,5,excellent,1,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,65,55+,lowest,none,farmer,194.79,10,none,1,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,25,18-24,middle,secondary,employed_formal,284.33,8,limited,1,613,1,informal_lender,2018.9,none,education,1,1825.08,0.779,24,135.26,current,not_applicable,moderate_burden
Tanzania,2022,rural,male,26,25-34,second,none,farmer,154.73,5,none,1,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,female,40,35-44,lowest,secondary,employed_formal,125.68,7,none,0,136,1,microfinance,2912.25,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2018,urban,male,55,45-54,middle,primary,unemployed,301.0,1,good,1,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,23,18-24,second,secondary,unemployed,297.83,3,limited,0,59,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,56,55+,fourth,primary,self_employed,533.88,10,none,0,455,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,female,61,55+,second,tertiary,unemployed,232.73,1,limited,0,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,female,68,55+,middle,secondary,self_employed,121.51,4,excellent,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,female,62,55+,lowest,none,unemployed,52.56,1,none,1,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,47,45-54,second,primary,employed_formal,135.8,8,none,1,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,38,35-44,lowest,none,employed_informal,24.32,5,limited,1,676,1,microfinance,2762.12,none,asset_purchase,1,2741.94,0.361,12,311.07,current,not_applicable,moderate_burden
Tanzania,2023,rural,female,42,35-44,middle,secondary,farmer,356.7,5,none,0,707,1,informal_lender,6983.65,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2019,urban,female,26,25-34,second,none,farmer,126.65,9,excellent,1,850,1,commercial_bank,4977.66,savings,consumption,1,4318.67,0.196,18,286.99,current,not_applicable,moderate_burden
Uganda,2019,rural,female,58,55+,highest,tertiary,employed_informal,1472.1,7,good,0,742,1,family_friends,4844.86,guarantor,emergency,1,4322.79,0.078,36,129.42,current,not_applicable,moderate_burden
Ethiopia,2022,urban,male,27,25-34,second,tertiary,self_employed,331.45,4,limited,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,47,45-54,lowest,secondary,employed_informal,363.93,2,limited,0,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,male,60,55+,second,primary,self_employed,304.34,3,good,1,541,1,microfinance,2605.89,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
DRC,2018,urban,female,56,55+,second,primary,employed_informal,229.16,9,good,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,50,45-54,fourth,primary,self_employed,916.05,9,good,0,790,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,male,52,45-54,fourth,none,unemployed,143.11,4,good,0,850,1,microfinance,2658.99,savings,business,1,2479.92,0.326,12,274.13,current,not_applicable,moderate_burden
Uganda,2023,rural,male,62,55+,lowest,primary,employed_informal,84.16,9,limited,0,59,1,sacco,7239.54,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2022,rural,female,32,25-34,middle,secondary,farmer,141.57,7,none,0,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,38,35-44,middle,primary,farmer,502.67,2,limited,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,34,25-34,lowest,tertiary,employed_informal,66.2,9,good,1,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,female,55,45-54,lowest,secondary,farmer,133.6,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,48,45-54,second,tertiary,employed_informal,237.75,10,none,1,616,1,commercial_bank,1092.76,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2021,rural,male,22,18-24,highest,primary,employed_informal,928.45,5,good,1,408,1,informal_lender,13470.65,equipment,education,1,12752.73,0.836,18,1300.46,current,not_applicable,moderate_burden
Mozambique,2018,rural,female,23,18-24,lowest,secondary,self_employed,130.93,8,limited,0,617,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,female,27,25-34,second,secondary,employed_informal,184.62,2,good,1,263,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,66,55+,fourth,secondary,employed_formal,817.74,4,good,0,438,1,family_friends,6753.39,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2023,rural,male,26,25-34,second,tertiary,employed_formal,56.33,8,none,0,114,1,microfinance,7357.88,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2023,urban,male,31,25-34,lowest,none,employed_informal,86.28,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,56,55+,highest,tertiary,farmer,1209.47,1,none,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,51,45-54,lowest,primary,employed_formal,120.1,4,limited,1,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,female,61,55+,fourth,primary,self_employed,231.94,5,none,1,352,1,commercial_bank,6328.58,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2018,urban,female,62,55+,second,secondary,employed_informal,695.16,4,limited,0,502,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,male,33,25-34,highest,none,employed_formal,2907.5,8,none,0,294,1,microfinance,2540.12,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2024,rural,female,33,25-34,second,primary,employed_formal,431.47,10,none,1,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,47,45-54,lowest,primary,farmer,205.69,1,none,0,414,1,informal_lender,3544.38,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2023,rural,female,26,25-34,lowest,secondary,farmer,50.4,9,none,1,35,1,employer,9254.74,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2018,rural,male,36,35-44,middle,secondary,employed_formal,354.0,10,none,0,41,1,microfinance,7595.68,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2022,urban,male,57,55+,middle,secondary,self_employed,184.18,3,limited,0,439,1,employer,3759.77,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2019,rural,female,54,45-54,lowest,primary,employed_formal,22.67,4,none,1,98,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,64,55+,fourth,primary,self_employed,345.86,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,64,55+,lowest,primary,self_employed,30.27,3,limited,1,266,1,commercial_bank,4714.1,guarantor,agriculture,1,4640.55,0.158,24,224.0,current,not_applicable,moderate_burden
South Africa,2022,urban,male,19,18-24,middle,primary,farmer,289.93,10,none,1,411,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,31,25-34,fourth,primary,unemployed,908.59,4,good,0,800,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,22,18-24,second,secondary,farmer,399.37,4,limited,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,male,66,55+,second,none,employed_formal,208.25,6,good,0,519,1,family_friends,4272.97,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2024,urban,female,29,25-34,lowest,tertiary,self_employed,95.11,9,limited,1,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,59,55+,highest,secondary,unemployed,1056.72,2,none,1,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,female,56,55+,middle,secondary,self_employed,185.27,6,good,1,335,1,commercial_bank,3630.37,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2022,urban,male,47,45-54,lowest,tertiary,farmer,109.18,3,none,0,261,1,commercial_bank,2096.7,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2023,rural,female,42,35-44,highest,secondary,self_employed,1810.89,2,good,0,665,1,digital_lender,15863.82,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2019,rural,female,56,55+,second,primary,employed_formal,121.67,10,none,1,372,1,digital_lender,4032.48,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2018,urban,male,49,45-54,lowest,primary,employed_informal,104.21,1,good,1,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,26,25-34,second,secondary,farmer,66.99,5,none,0,541,1,family_friends,2019.06,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2024,urban,male,45,35-44,lowest,primary,employed_informal,30.92,2,limited,0,321,1,informal_lender,2220.09,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2022,rural,male,19,18-24,fourth,primary,farmer,430.47,6,good,0,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,46,45-54,lowest,tertiary,self_employed,82.95,8,limited,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,25,18-24,highest,secondary,self_employed,1907.71,1,none,1,647,1,digital_lender,22358.28,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2024,rural,male,43,35-44,fourth,primary,farmer,424.62,7,excellent,0,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,male,29,25-34,middle,primary,employed_informal,103.0,10,good,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,66,55+,second,primary,employed_formal,188.89,4,good,1,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,22,18-24,middle,none,self_employed,494.68,4,limited,1,431,1,microfinance,5002.09,guarantor,business,1,4907.25,0.323,6,1082.23,current,not_applicable,moderate_burden
Mozambique,2025,rural,male,52,45-54,second,none,farmer,101.57,6,limited,0,587,1,digital_lender,5820.68,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2018,rural,female,47,45-54,highest,none,self_employed,1267.59,9,none,0,283,1,digital_lender,4560.99,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2024,rural,male,18,18-24,middle,primary,employed_informal,24.8,7,none,0,516,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,male,23,18-24,fourth,tertiary,employed_informal,1087.69,2,good,0,693,1,informal_lender,4385.27,none,education,1,4123.23,0.792,6,1231.13,late_30_days,not_applicable,moderate_burden
Niger,2025,rural,female,57,55+,fourth,secondary,unemployed,108.15,1,none,0,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,54,45-54,second,none,employed_informal,146.97,7,excellent,0,831,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,39,35-44,lowest,tertiary,employed_informal,86.71,2,none,0,0,1,informal_lender,3587.28,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2020,rural,female,41,35-44,second,secondary,farmer,436.21,4,excellent,0,758,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,62,55+,second,primary,self_employed,101.75,2,limited,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,61,55+,fourth,primary,unemployed,378.19,2,none,1,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,33,25-34,lowest,primary,self_employed,83.3,4,none,0,250,1,informal_lender,2486.86,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2019,rural,male,39,35-44,fourth,none,self_employed,255.89,5,limited,0,612,1,family_friends,4629.08,savings,consumption,1,4581.17,0.093,24,208.57,current,not_applicable,moderate_burden
Tanzania,2022,rural,male,45,35-44,lowest,secondary,employed_informal,33.46,1,none,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,urban,male,60,55+,lowest,secondary,employed_informal,24.55,6,none,1,703,1,commercial_bank,2177.9,none,agriculture,1,1800.89,0.17,12,175.53,late_30_days,not_applicable,moderate_burden
Kenya,2020,urban,male,56,55+,lowest,primary,farmer,62.1,4,none,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,65,55+,middle,secondary,employed_informal,611.69,5,excellent,0,274,1,informal_lender,2345.6,property,asset_purchase,1,2267.09,0.764,18,222.16,paid_off,not_applicable,moderate_burden
Ethiopia,2024,urban,male,46,45-54,middle,primary,unemployed,950.45,1,good,1,173,1,family_friends,3220.03,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2024,urban,female,42,35-44,second,primary,farmer,125.76,9,none,0,0,1,informal_lender,5032.75,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2024,urban,female,30,25-34,middle,secondary,employed_formal,241.56,10,good,1,686,1,sacco,5313.31,savings,education,1,5048.05,0.302,36,182.63,current,not_applicable,moderate_burden
Kenya,2025,urban,female,32,25-34,second,secondary,employed_informal,43.0,2,limited,0,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,44,35-44,second,primary,self_employed,74.09,8,limited,0,663,1,sacco,1845.38,guarantor,business,1,1567.29,0.324,18,115.29,current,not_applicable,moderate_burden
Malawi,2020,urban,male,51,45-54,middle,primary,employed_informal,300.64,4,limited,0,32,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,41,35-44,highest,none,self_employed,932.76,10,good,0,278,1,commercial_bank,3826.67,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2025,rural,female,19,18-24,lowest,primary,employed_formal,34.82,10,limited,0,213,1,microfinance,995.82,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2019,urban,male,28,25-34,second,primary,farmer,96.73,7,none,1,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,50,45-54,middle,none,self_employed,986.84,5,limited,0,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,female,49,45-54,highest,secondary,farmer,295.39,2,none,0,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,male,66,55+,middle,secondary,employed_informal,460.35,2,none,0,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,male,37,35-44,second,primary,employed_informal,215.41,2,excellent,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,30,25-34,lowest,secondary,employed_formal,33.8,10,none,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,male,26,25-34,highest,none,self_employed,2429.95,5,none,0,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,31,25-34,lowest,none,self_employed,52.46,10,none,1,324,1,commercial_bank,2877.35,property,business,1,2521.06,0.218,12,255.95,late_30_days,not_applicable,moderate_burden
Tanzania,2024,rural,male,68,55+,fourth,primary,self_employed,566.34,6,good,0,96,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,56,55+,highest,secondary,employed_informal,757.97,5,excellent,1,850,1,family_friends,7667.05,none,business,1,6930.81,0.025,12,591.93,current,not_applicable,moderate_burden
Malawi,2025,rural,female,35,25-34,lowest,secondary,farmer,52.58,1,good,1,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,67,55+,fourth,primary,self_employed,171.73,2,limited,1,691,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,29,25-34,lowest,secondary,farmer,70.47,1,excellent,0,614,1,family_friends,3486.7,none,agriculture,1,3137.12,0.072,12,280.36,current,not_applicable,moderate_burden
Nigeria,2021,rural,male,43,35-44,lowest,primary,self_employed,48.99,6,good,0,718,1,family_friends,2100.5,vehicle,agriculture,1,1892.37,0.01,24,79.62,current,not_applicable,moderate_burden
Mozambique,2024,rural,male,47,45-54,middle,secondary,self_employed,113.58,7,limited,0,828,1,digital_lender,2098.09,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2018,urban,female,29,25-34,fourth,none,farmer,219.15,6,good,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,male,25,18-24,lowest,tertiary,employed_informal,297.88,3,none,1,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,53,45-54,lowest,secondary,farmer,44.65,9,limited,1,780,1,microfinance,3723.71,savings,business,1,3515.84,0.279,12,374.72,current,not_applicable,moderate_burden
Niger,2022,urban,male,54,45-54,fourth,tertiary,self_employed,784.29,3,good,0,740,1,family_friends,7855.37,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2020,urban,female,33,25-34,second,primary,self_employed,413.32,8,good,1,463,1,digital_lender,2055.56,equipment,agriculture,1,1707.1,0.44,18,136.59,defaulted,not_applicable,moderate_burden
Nigeria,2018,urban,female,38,35-44,middle,primary,self_employed,973.74,4,limited,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,29,25-34,lowest,secondary,farmer,74.39,8,none,1,170,1,commercial_bank,2308.5,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2019,rural,female,18,18-24,lowest,primary,farmer,13.15,1,none,0,106,1,informal_lender,3203.75,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2023,rural,male,51,45-54,lowest,none,farmer,53.67,8,limited,1,418,1,microfinance,948.53,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2019,urban,female,46,45-54,lowest,none,employed_formal,208.35,10,limited,1,336,1,commercial_bank,6328.71,none,agriculture,1,6107.07,0.138,24,289.54,current,not_applicable,moderate_burden
Nigeria,2019,urban,female,51,45-54,lowest,primary,self_employed,184.9,7,limited,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,65,55+,second,secondary,farmer,77.85,2,limited,1,586,1,digital_lender,4374.78,none,business,1,3544.3,0.454,24,214.76,late_30_days,not_applicable,moderate_burden
Tanzania,2024,urban,male,65,55+,highest,secondary,unemployed,1184.33,1,limited,1,167,1,microfinance,7288.25,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2025,urban,female,62,55+,middle,tertiary,self_employed,617.98,7,none,1,97,1,digital_lender,5957.52,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,rural,female,19,18-24,middle,primary,self_employed,130.15,3,none,0,454,1,digital_lender,3708.23,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2018,urban,male,23,18-24,second,secondary,self_employed,58.79,7,none,1,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,46,45-54,lowest,primary,employed_formal,182.99,9,excellent,0,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,65,55+,lowest,tertiary,self_employed,78.7,4,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,36,35-44,second,tertiary,employed_informal,44.14,5,none,0,628,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,male,25,18-24,fourth,primary,self_employed,315.78,5,limited,1,368,1,informal_lender,9281.55,property,agriculture,1,7532.59,0.775,6,2227.89,late_60_days,not_applicable,moderate_burden
DRC,2022,urban,female,62,55+,fourth,secondary,employed_informal,425.3,4,limited,1,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,female,20,18-24,highest,none,farmer,1362.49,7,none,1,793,1,sacco,16153.35,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2019,urban,female,47,45-54,middle,primary,self_employed,332.15,4,excellent,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,31,25-34,second,primary,farmer,125.57,4,good,1,351,1,commercial_bank,9114.57,savings,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2020,urban,female,43,35-44,middle,primary,employed_formal,235.11,8,none,0,118,1,commercial_bank,3923.36,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2022,urban,female,19,18-24,second,primary,employed_informal,339.21,8,limited,0,415,1,digital_lender,5372.09,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2025,urban,female,56,55+,highest,secondary,unemployed,459.31,1,limited,1,547,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,53,45-54,highest,secondary,employed_formal,1692.38,6,limited,0,850,1,microfinance,3103.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2020,rural,female,19,18-24,fourth,primary,farmer,541.28,2,limited,1,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,58,55+,highest,secondary,unemployed,490.64,1,limited,0,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,male,39,35-44,second,none,employed_informal,134.16,7,good,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,35,25-34,lowest,tertiary,employed_informal,27.36,5,none,0,416,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,20,18-24,lowest,primary,self_employed,32.28,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,24,18-24,fourth,primary,unemployed,1601.12,5,none,1,0,1,commercial_bank,14490.78,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2024,rural,female,43,35-44,middle,primary,farmer,189.11,5,good,0,151,1,microfinance,2884.69,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Zambia,2023,rural,male,37,35-44,middle,secondary,farmer,62.24,3,limited,1,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,39,35-44,highest,tertiary,farmer,198.49,9,none,1,675,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,69,55+,middle,secondary,self_employed,430.33,3,none,0,384,1,informal_lender,6445.34,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2022,rural,female,22,18-24,lowest,tertiary,self_employed,122.72,9,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,61,55+,middle,tertiary,employed_informal,139.03,5,limited,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,30,25-34,middle,secondary,unemployed,684.92,1,good,1,148,1,microfinance,5542.67,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2023,urban,female,41,35-44,second,primary,unemployed,93.98,5,none,0,341,1,informal_lender,8143.95,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2025,rural,female,33,25-34,middle,none,employed_formal,405.95,8,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,68,55+,fourth,primary,farmer,1172.14,4,good,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,male,19,18-24,middle,tertiary,employed_informal,408.06,5,none,1,2,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,male,31,25-34,lowest,primary,employed_formal,117.78,7,none,0,104,1,informal_lender,1669.86,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2020,rural,male,47,45-54,second,secondary,self_employed,361.49,4,none,1,380,1,microfinance,10401.22,none,agriculture,1,8778.23,0.359,12,994.38,current,not_applicable,moderate_burden
South Africa,2024,rural,female,35,25-34,lowest,tertiary,farmer,70.23,4,excellent,0,357,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,27,25-34,highest,secondary,employed_informal,572.82,8,good,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,61,55+,second,secondary,employed_informal,458.81,9,excellent,0,850,1,informal_lender,12440.63,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2025,rural,male,43,35-44,fourth,tertiary,self_employed,111.28,1,none,0,142,1,digital_lender,8932.19,savings,consumption,1,8893.1,0.497,24,554.76,current,not_applicable,moderate_burden
Zambia,2023,rural,female,19,18-24,second,tertiary,self_employed,91.81,9,none,0,714,1,informal_lender,3736.71,guarantor,asset_purchase,1,3504.8,0.848,24,269.94,late_30_days,not_applicable,moderate_burden
Ethiopia,2025,urban,male,62,55+,highest,secondary,employed_informal,572.61,3,none,1,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,male,65,55+,middle,primary,farmer,361.67,7,limited,0,798,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,48,45-54,second,primary,unemployed,1319.42,4,none,0,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,female,35,25-34,highest,primary,self_employed,564.96,4,good,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,female,20,18-24,second,tertiary,self_employed,111.73,7,none,1,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,26,25-34,fourth,secondary,farmer,261.74,8,none,0,694,1,digital_lender,6633.62,none,education,1,6591.48,0.41,12,774.42,current,not_applicable,moderate_burden
DRC,2020,urban,female,66,55+,second,secondary,farmer,234.62,1,none,0,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,female,56,55+,fourth,secondary,employed_informal,100.12,5,none,1,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,46,45-54,lowest,none,unemployed,154.01,1,good,1,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,61,55+,second,primary,employed_informal,125.79,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,69,55+,middle,primary,self_employed,155.79,5,good,0,161,1,microfinance,6284.64,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2020,urban,female,37,35-44,fourth,secondary,employed_informal,226.47,10,none,1,199,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,18,18-24,highest,primary,employed_informal,661.2,3,none,1,434,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,male,49,45-54,second,none,employed_informal,123.33,9,limited,1,291,1,family_friends,2386.16,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2024,rural,male,59,55+,fourth,primary,farmer,344.61,6,limited,0,744,1,family_friends,3822.46,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2025,rural,female,48,45-54,fourth,tertiary,unemployed,871.77,1,limited,1,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,male,55,45-54,fourth,none,self_employed,796.82,10,none,0,639,1,family_friends,6658.66,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2021,rural,female,55,45-54,middle,secondary,self_employed,218.76,4,good,1,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,male,65,55+,second,secondary,employed_formal,162.62,10,none,1,151,1,informal_lender,3338.44,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2020,urban,female,20,18-24,highest,primary,self_employed,1903.98,4,none,0,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,49,45-54,lowest,none,unemployed,103.87,1,none,0,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,male,37,35-44,middle,secondary,farmer,363.06,10,none,1,666,1,digital_lender,11816.7,guarantor,education,1,11132.66,0.411,12,1309.3,current,not_applicable,moderate_burden
Mali,2023,rural,female,46,45-54,fourth,none,self_employed,322.81,10,none,0,484,1,employer,1451.58,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2018,rural,male,63,55+,highest,primary,employed_informal,1559.9,6,limited,1,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,44,35-44,lowest,primary,employed_formal,57.04,6,limited,0,265,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,31,25-34,middle,primary,self_employed,260.76,8,limited,1,148,1,microfinance,10013.31,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2021,rural,female,46,45-54,lowest,none,employed_informal,160.84,10,none,0,0,1,sacco,3987.27,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2019,rural,male,40,35-44,middle,primary,employed_informal,160.33,5,limited,0,381,1,informal_lender,7364.93,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2022,rural,male,59,55+,fourth,none,employed_informal,245.68,1,good,1,845,1,digital_lender,3255.09,vehicle,agriculture,1,2649.87,0.472,12,325.16,current,not_applicable,moderate_burden
Rwanda,2024,rural,female,58,55+,highest,secondary,farmer,444.32,4,limited,0,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,67,55+,lowest,primary,self_employed,331.79,8,excellent,0,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,male,39,35-44,second,primary,self_employed,231.15,4,none,0,467,1,family_friends,2164.18,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2024,urban,female,56,55+,fourth,primary,employed_formal,459.65,10,none,0,240,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,male,56,55+,middle,secondary,employed_formal,158.86,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,63,55+,fourth,secondary,farmer,583.78,3,limited,1,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,20,18-24,fourth,tertiary,employed_informal,1375.78,3,excellent,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,33,25-34,second,none,employed_formal,109.35,5,none,0,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,53,45-54,fourth,tertiary,employed_formal,150.35,4,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,61,55+,fourth,secondary,unemployed,230.45,3,none,0,681,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,48,45-54,highest,tertiary,self_employed,451.55,3,excellent,0,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,male,43,35-44,middle,secondary,unemployed,249.32,1,good,1,432,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,36,35-44,middle,primary,farmer,58.25,7,none,1,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,male,53,45-54,highest,primary,farmer,1186.89,5,none,0,584,1,informal_lender,10608.11,property,emergency,1,9571.2,0.752,18,931.57,current,not_applicable,moderate_burden
Ghana,2019,urban,female,57,55+,second,secondary,self_employed,408.43,6,none,0,42,1,family_friends,8678.56,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2018,rural,male,63,55+,fourth,none,farmer,203.13,9,limited,0,36,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,32,25-34,lowest,primary,employed_informal,46.61,7,excellent,1,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,male,21,18-24,second,tertiary,self_employed,94.22,5,good,1,448,1,commercial_bank,5705.3,equipment,housing,1,4590.78,0.222,36,155.87,late_30_days,not_applicable,moderate_burden
Uganda,2021,urban,female,42,35-44,lowest,secondary,farmer,106.43,8,limited,0,682,1,employer,4029.14,property,housing,1,3312.16,0.065,24,146.98,current,not_applicable,moderate_burden
DRC,2021,urban,female,27,25-34,middle,primary,farmer,339.64,2,limited,1,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,62,55+,fourth,secondary,unemployed,740.65,1,good,0,787,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,female,53,45-54,lowest,tertiary,farmer,30.36,3,none,0,136,1,microfinance,2485.38,property,consumption,1,2050.29,0.273,18,145.01,late_30_days,not_applicable,moderate_burden
Mozambique,2025,rural,male,28,25-34,lowest,tertiary,farmer,90.25,6,limited,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,22,18-24,middle,none,farmer,203.05,7,limited,1,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,male,68,55+,highest,none,employed_informal,640.27,3,none,1,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,20,18-24,second,secondary,unemployed,156.2,1,none,1,565,1,commercial_bank,5869.77,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2019,urban,female,37,35-44,middle,none,employed_informal,210.95,7,limited,1,331,1,commercial_bank,1791.81,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2021,urban,male,39,35-44,fourth,none,employed_informal,553.78,4,limited,0,824,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,39,35-44,fourth,primary,self_employed,206.19,4,good,0,785,1,informal_lender,6332.75,none,business,1,5196.01,0.79,6,1549.81,late_60_days,not_applicable,moderate_burden
Ghana,2020,urban,male,49,45-54,fourth,tertiary,employed_formal,930.51,9,good,0,636,1,informal_lender,7796.26,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2019,urban,female,39,35-44,second,primary,self_employed,79.77,5,limited,0,816,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,male,29,25-34,fourth,primary,farmer,783.32,8,limited,0,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,66,55+,second,tertiary,employed_informal,325.67,6,good,1,576,1,digital_lender,6411.3,none,consumption,1,5751.6,0.486,12,712.21,current,not_applicable,moderate_burden
Senegal,2020,rural,female,56,55+,second,primary,employed_informal,76.03,4,none,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,female,53,45-54,lowest,primary,self_employed,100.06,7,limited,1,310,1,employer,1378.65,savings,asset_purchase,1,1105.17,0.055,12,97.16,late_30_days,not_applicable,moderate_burden
South Africa,2022,rural,male,58,55+,highest,primary,farmer,898.43,1,limited,1,850,1,family_friends,11110.1,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2024,urban,male,55,45-54,highest,none,farmer,1168.35,8,none,0,534,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,58,55+,highest,tertiary,farmer,734.81,3,none,1,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,60,55+,highest,primary,employed_informal,577.9,8,limited,1,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,47,45-54,middle,secondary,employed_informal,81.93,3,limited,0,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,male,28,25-34,fourth,secondary,self_employed,282.47,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,18,18-24,middle,secondary,unemployed,165.58,1,none,1,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,22,18-24,fourth,none,self_employed,765.05,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,52,45-54,fourth,secondary,unemployed,316.6,1,limited,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,female,36,35-44,middle,primary,self_employed,149.07,5,good,0,259,1,family_friends,1535.39,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2021,rural,male,28,25-34,second,secondary,self_employed,147.26,10,none,0,487,1,employer,2523.06,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2025,urban,female,48,45-54,middle,primary,farmer,637.53,9,good,0,94,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,male,45,35-44,lowest,primary,employed_informal,58.12,7,limited,0,643,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,male,43,35-44,lowest,none,unemployed,97.01,1,good,0,654,1,family_friends,4460.81,vehicle,emergency,1,4338.03,0.093,12,395.1,current,not_applicable,moderate_burden
Senegal,2022,urban,male,45,35-44,fourth,primary,employed_informal,955.42,2,limited,0,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,33,25-34,highest,none,employed_formal,2088.92,10,limited,1,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,54,45-54,middle,primary,employed_informal,117.37,6,limited,1,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,54,45-54,second,tertiary,employed_formal,126.84,5,limited,0,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,male,35,25-34,middle,primary,employed_formal,74.79,6,none,0,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,female,45,35-44,lowest,tertiary,farmer,94.69,6,limited,1,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,female,21,18-24,second,primary,employed_informal,97.09,4,limited,1,118,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,male,21,18-24,fourth,primary,self_employed,106.16,8,none,0,364,1,informal_lender,3709.75,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2020,rural,male,18,18-24,lowest,primary,unemployed,97.64,5,excellent,1,838,1,digital_lender,4225.8,vehicle,housing,1,4183.95,0.443,12,503.15,current,not_applicable,moderate_burden
Zambia,2023,rural,male,54,45-54,lowest,secondary,employed_informal,115.21,4,good,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,69,55+,highest,secondary,employed_informal,214.62,10,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,53,45-54,lowest,none,employed_informal,150.11,1,good,0,463,1,employer,4527.65,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2023,rural,male,57,55+,lowest,primary,self_employed,49.35,8,limited,0,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,52,45-54,highest,none,farmer,474.8,5,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,male,30,25-34,middle,primary,unemployed,761.71,1,good,1,773,1,digital_lender,5940.32,none,consumption,1,5901.65,0.452,12,713.88,late_30_days,not_applicable,moderate_burden
Mali,2022,urban,female,50,45-54,middle,tertiary,self_employed,87.16,8,none,0,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,female,31,25-34,second,primary,farmer,551.18,3,none,0,227,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,23,18-24,lowest,primary,unemployed,62.21,1,good,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,male,67,55+,fourth,primary,unemployed,572.06,3,limited,1,61,1,digital_lender,6863.39,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2020,urban,male,65,55+,second,none,self_employed,88.28,4,limited,0,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,52,45-54,fourth,primary,employed_informal,162.4,2,limited,0,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,58,55+,middle,none,self_employed,270.62,2,limited,1,716,1,commercial_bank,1833.82,none,emergency,1,1748.84,0.14,6,332.26,paid_off,not_applicable,moderate_burden
Niger,2025,rural,male,36,35-44,second,primary,employed_formal,159.38,8,limited,0,340,1,family_friends,2088.88,property,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Zambia,2024,rural,female,40,35-44,middle,secondary,farmer,140.49,1,none,0,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,24,18-24,second,none,farmer,194.02,5,none,0,207,1,microfinance,2596.71,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2018,urban,female,20,18-24,second,tertiary,employed_informal,140.05,6,none,0,448,1,sacco,1573.08,none,business,1,1542.18,0.352,12,173.77,defaulted,not_applicable,moderate_burden
Ethiopia,2025,rural,male,64,55+,middle,primary,self_employed,264.74,2,good,0,444,1,sacco,6630.82,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2021,urban,male,65,55+,second,secondary,employed_informal,440.42,4,good,1,494,1,commercial_bank,4038.07,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2018,rural,female,25,18-24,lowest,secondary,farmer,80.36,1,limited,0,611,1,digital_lender,3878.29,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2021,urban,female,67,55+,middle,tertiary,self_employed,288.7,10,none,1,683,1,commercial_bank,8571.11,none,business,1,8065.89,0.178,24,395.74,late_30_days,not_applicable,moderate_burden
Nigeria,2019,rural,female,68,55+,second,none,self_employed,136.63,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,67,55+,second,secondary,unemployed,92.92,1,limited,0,404,1,family_friends,4540.75,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2021,rural,female,45,35-44,fourth,secondary,unemployed,316.09,6,limited,1,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,female,31,25-34,second,secondary,farmer,305.57,3,none,1,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,male,29,25-34,fourth,secondary,self_employed,511.63,2,excellent,1,335,1,digital_lender,6255.1,property,agriculture,1,5316.21,0.49,12,659.91,defaulted,not_applicable,moderate_burden
Kenya,2018,rural,female,25,18-24,lowest,primary,self_employed,28.24,1,good,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,25,18-24,second,secondary,unemployed,118.71,1,none,1,119,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,27,25-34,fourth,tertiary,self_employed,663.67,5,limited,0,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,65,55+,middle,none,self_employed,50.45,10,limited,0,204,1,family_friends,6360.12,guarantor,business,1,5126.45,0.083,6,925.07,current,not_applicable,moderate_burden
Niger,2022,rural,female,44,35-44,fourth,none,employed_formal,464.98,5,none,0,108,1,family_friends,40514.29,none,business,1,40319.83,0.056,18,2364.94,paid_off,not_applicable,moderate_burden
Tanzania,2021,rural,female,29,25-34,highest,secondary,employed_informal,2502.16,1,none,1,568,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,36,35-44,lowest,none,farmer,42.21,5,none,1,662,1,commercial_bank,898.24,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2025,urban,female,42,35-44,second,tertiary,employed_formal,200.4,10,none,0,362,1,informal_lender,4212.44,equipment,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2020,rural,male,50,45-54,second,none,self_employed,128.96,4,limited,0,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,20,18-24,fourth,secondary,self_employed,1007.61,10,limited,1,267,1,commercial_bank,7903.12,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2023,rural,female,55,45-54,fourth,secondary,unemployed,325.96,5,none,0,74,1,microfinance,5875.49,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2022,urban,male,21,18-24,fourth,secondary,unemployed,743.11,2,limited,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,39,35-44,lowest,primary,unemployed,48.98,1,none,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,male,45,35-44,lowest,tertiary,employed_formal,49.24,7,none,1,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,45,35-44,highest,secondary,self_employed,338.6,1,limited,1,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,51,45-54,highest,secondary,employed_informal,401.04,7,excellent,0,390,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,53,45-54,fourth,secondary,self_employed,634.88,4,good,0,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,43,35-44,middle,primary,employed_formal,964.97,8,limited,1,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,54,45-54,fourth,secondary,farmer,181.75,2,excellent,1,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,43,35-44,highest,primary,unemployed,317.72,1,limited,0,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,male,36,35-44,lowest,primary,unemployed,52.38,2,none,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,male,55,45-54,second,secondary,farmer,34.01,2,limited,1,848,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,male,53,45-54,lowest,tertiary,farmer,49.91,2,excellent,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,52,45-54,lowest,tertiary,employed_formal,52.28,8,limited,0,711,1,employer,3913.99,none,consumption,1,3550.38,0.023,36,100.87,paid_off,not_applicable,moderate_burden
Malawi,2020,rural,male,19,18-24,lowest,primary,unemployed,109.49,1,none,1,668,1,commercial_bank,5810.54,none,housing,1,5446.61,0.137,24,257.92,current,not_applicable,moderate_burden
DRC,2023,rural,male,54,45-54,middle,secondary,self_employed,497.21,9,excellent,0,688,1,sacco,6964.15,none,agriculture,1,6781.34,0.273,6,1439.02,late_30_days,not_applicable,moderate_burden
Mali,2024,rural,male,55,45-54,middle,secondary,farmer,100.15,3,limited,0,122,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,20,18-24,fourth,secondary,self_employed,315.81,4,excellent,1,850,1,commercial_bank,2875.71,savings,consumption,1,2745.7,0.176,12,269.02,paid_off,not_applicable,moderate_burden
Mali,2025,rural,female,34,25-34,highest,primary,employed_formal,284.83,7,limited,0,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,68,55+,middle,tertiary,farmer,150.64,5,limited,0,185,1,family_friends,2900.5,guarantor,business,1,2430.33,0.082,24,109.61,current,not_applicable,moderate_burden
Zambia,2023,urban,female,65,55+,highest,secondary,farmer,591.21,9,good,1,505,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,26,25-34,lowest,tertiary,employed_informal,73.96,3,none,1,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,63,55+,middle,secondary,employed_formal,202.49,10,good,0,422,1,microfinance,2871.02,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2025,rural,female,18,18-24,lowest,primary,employed_informal,87.8,2,none,0,122,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,female,36,35-44,lowest,secondary,self_employed,36.27,10,limited,1,751,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,42,35-44,second,primary,self_employed,80.54,4,good,1,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,25,18-24,second,secondary,employed_formal,220.81,10,limited,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,52,45-54,lowest,primary,unemployed,57.26,3,limited,1,805,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,25,18-24,lowest,tertiary,self_employed,102.62,10,none,0,0,1,informal_lender,6840.2,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2023,rural,male,42,35-44,fourth,secondary,self_employed,100.18,10,excellent,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,male,27,25-34,middle,none,self_employed,100.72,5,limited,0,757,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,54,45-54,highest,primary,farmer,1986.71,2,good,1,785,1,digital_lender,12430.34,savings,education,1,10981.54,0.42,12,1299.67,late_30_days,not_applicable,moderate_burden
Mozambique,2023,urban,female,68,55+,second,primary,farmer,183.08,2,none,1,598,1,commercial_bank,3814.42,guarantor,business,1,3734.41,0.219,24,189.68,current,not_applicable,moderate_burden
Niger,2025,rural,female,18,18-24,second,secondary,employed_informal,182.5,2,none,0,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,21,18-24,second,none,farmer,113.96,5,none,1,442,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,67,55+,fourth,none,unemployed,299.75,1,none,0,0,1,family_friends,6346.19,savings,asset_purchase,1,5442.05,0.097,12,497.5,defaulted,not_applicable,moderate_burden
Malawi,2024,rural,male,54,45-54,fourth,secondary,self_employed,502.6,9,none,0,494,1,family_friends,4463.89,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2019,urban,female,69,55+,middle,secondary,employed_informal,93.77,10,none,1,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,female,68,55+,lowest,secondary,self_employed,139.11,1,good,0,687,1,digital_lender,2515.14,none,agriculture,1,2351.03,0.469,12,287.84,current,not_applicable,moderate_burden
Mali,2024,rural,female,49,45-54,highest,secondary,self_employed,353.51,3,limited,0,804,1,sacco,2879.69,savings,consumption,1,2765.68,0.275,12,293.9,late_60_days,not_applicable,moderate_burden
Malawi,2024,urban,female,41,35-44,highest,primary,employed_informal,644.09,5,limited,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,21,18-24,lowest,secondary,employed_informal,176.87,3,limited,0,122,1,family_friends,2976.44,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2019,rural,female,63,55+,lowest,secondary,employed_formal,65.36,8,good,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,67,55+,lowest,none,employed_formal,109.54,10,limited,1,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,63,55+,fourth,secondary,unemployed,437.15,6,none,0,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,61,55+,middle,none,employed_informal,142.58,1,limited,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,57,55+,middle,primary,employed_formal,211.21,8,limited,1,515,1,commercial_bank,6658.85,vehicle,asset_purchase,1,6331.75,0.195,24,315.21,current,not_applicable,moderate_burden
Niger,2018,urban,female,31,25-34,highest,none,unemployed,2170.51,2,excellent,0,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,33,25-34,highest,primary,employed_informal,543.54,1,limited,0,509,1,digital_lender,7821.45,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2025,rural,male,18,18-24,lowest,secondary,employed_formal,42.47,10,limited,0,503,1,microfinance,3369.05,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2018,rural,female,34,25-34,middle,secondary,self_employed,80.14,10,limited,0,212,1,family_friends,2302.19,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2022,rural,male,21,18-24,second,primary,employed_formal,106.75,4,good,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,22,18-24,second,none,employed_informal,68.26,6,limited,0,414,1,employer,2654.26,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2022,rural,female,28,25-34,lowest,secondary,employed_formal,93.02,10,limited,1,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,25,18-24,lowest,secondary,self_employed,37.97,5,none,0,608,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,40,35-44,lowest,secondary,self_employed,62.74,8,good,1,131,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,62,55+,lowest,secondary,unemployed,102.21,6,limited,0,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,69,55+,fourth,secondary,farmer,235.22,2,limited,1,512,1,commercial_bank,16412.9,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2019,urban,female,50,45-54,fourth,none,employed_informal,531.53,3,good,1,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,25,18-24,highest,secondary,unemployed,824.29,6,limited,1,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,male,59,55+,second,secondary,self_employed,156.0,10,none,1,412,1,sacco,4357.35,none,business,1,3759.66,0.284,24,201.22,late_60_days,not_applicable,moderate_burden
South Africa,2020,urban,female,69,55+,fourth,secondary,unemployed,2197.03,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,63,55+,second,none,self_employed,142.43,5,none,1,255,1,digital_lender,2156.7,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2022,rural,male,60,55+,highest,secondary,self_employed,415.91,6,good,1,728,1,family_friends,8372.06,guarantor,business,1,7376.57,0.024,12,629.38,current,not_applicable,moderate_burden
Kenya,2018,rural,male,69,55+,fourth,tertiary,self_employed,615.98,9,good,1,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,male,44,35-44,highest,primary,farmer,245.45,5,none,1,463,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,22,18-24,middle,tertiary,employed_informal,653.97,8,limited,1,345,1,commercial_bank,2849.09,savings,emergency,1,2532.84,0.186,36,83.42,current,not_applicable,moderate_burden
Ghana,2019,rural,male,34,25-34,middle,primary,employed_informal,318.48,9,limited,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,54,45-54,fourth,primary,self_employed,379.36,8,good,1,247,1,informal_lender,23141.09,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,rural,male,55,45-54,fourth,secondary,employed_informal,272.65,5,limited,0,604,1,informal_lender,12911.65,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2023,urban,female,35,25-34,middle,tertiary,unemployed,184.94,4,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,61,55+,middle,tertiary,farmer,141.01,3,limited,0,582,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,30,25-34,fourth,primary,farmer,550.57,4,excellent,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,male,67,55+,lowest,none,unemployed,29.98,5,none,0,565,1,informal_lender,1392.35,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2022,rural,male,36,35-44,second,none,self_employed,45.44,4,good,1,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,female,62,55+,second,none,employed_informal,398.04,9,none,0,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,urban,male,50,45-54,highest,primary,unemployed,953.9,6,limited,1,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,female,42,35-44,lowest,primary,employed_informal,17.12,8,none,0,374,1,informal_lender,1424.76,property,business,1,1146.12,0.791,18,114.02,current,not_applicable,moderate_burden
Mozambique,2022,urban,female,52,45-54,second,primary,farmer,178.32,4,good,0,850,1,family_friends,10614.97,guarantor,agriculture,1,10221.65,0.097,18,622.82,current,not_applicable,moderate_burden
Uganda,2021,rural,female,23,18-24,fourth,tertiary,farmer,362.85,1,none,1,405,1,informal_lender,2668.78,none,business,1,2322.57,0.774,6,686.55,current,not_applicable,moderate_burden
Mozambique,2024,rural,female,37,35-44,lowest,none,self_employed,63.16,2,none,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,36,35-44,lowest,none,self_employed,15.58,8,limited,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,59,55+,lowest,secondary,employed_formal,30.55,8,none,1,0,1,informal_lender,2047.92,vehicle,business,1,1912.94,0.81,24,144.29,late_30_days,not_applicable,moderate_burden
South Africa,2025,rural,male,20,18-24,highest,tertiary,self_employed,1914.53,7,none,1,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,30,25-34,lowest,secondary,employed_informal,15.97,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,27,25-34,middle,secondary,unemployed,43.4,5,limited,0,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,47,45-54,middle,primary,farmer,55.58,1,limited,0,693,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,male,68,55+,second,secondary,self_employed,137.35,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,65,55+,middle,primary,farmer,134.71,5,limited,0,185,1,informal_lender,4521.41,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2025,rural,female,41,35-44,highest,primary,employed_formal,86.49,10,none,1,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,female,64,55+,lowest,primary,employed_informal,107.08,7,none,0,492,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,52,45-54,fourth,none,farmer,359.3,5,good,0,486,1,sacco,4171.68,savings,consumption,1,4019.62,0.341,18,299.49,current,not_applicable,moderate_burden
Malawi,2018,rural,male,43,35-44,lowest,secondary,unemployed,46.05,5,none,0,703,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,42,35-44,middle,secondary,self_employed,1054.57,7,good,0,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,male,19,18-24,fourth,secondary,self_employed,668.2,3,limited,0,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,38,35-44,middle,primary,farmer,197.09,5,none,0,64,1,family_friends,11040.28,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2018,rural,female,69,55+,fourth,none,farmer,352.9,7,none,0,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,male,69,55+,lowest,primary,employed_informal,238.02,10,none,0,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,male,56,55+,middle,none,farmer,154.39,1,good,0,521,1,commercial_bank,2488.02,guarantor,housing,1,1990.47,0.192,18,131.81,current,not_applicable,moderate_burden
Niger,2024,urban,male,51,45-54,lowest,none,employed_formal,55.82,9,none,1,153,1,digital_lender,2451.97,guarantor,agriculture,1,2425.0,0.443,18,194.39,current,not_applicable,moderate_burden
Malawi,2020,rural,female,48,45-54,fourth,primary,self_employed,295.02,10,none,1,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,54,45-54,lowest,primary,farmer,58.12,10,none,1,704,1,microfinance,1573.42,guarantor,consumption,1,1382.37,0.355,12,156.08,current,not_applicable,moderate_burden
Niger,2024,rural,male,28,25-34,second,primary,unemployed,71.45,3,good,0,772,1,digital_lender,1651.55,vehicle,business,1,1331.79,0.406,18,104.01,paid_off,not_applicable,moderate_burden
Zambia,2019,urban,male,68,55+,highest,primary,self_employed,205.23,8,none,0,114,1,family_friends,2065.27,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2025,rural,female,69,55+,fourth,primary,farmer,780.04,3,none,1,105,1,microfinance,5315.82,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Senegal,2020,rural,male,60,55+,highest,secondary,employed_informal,1533.64,9,good,1,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,46,45-54,second,secondary,farmer,219.84,1,none,0,413,1,digital_lender,6832.13,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2024,rural,male,32,25-34,fourth,tertiary,farmer,324.92,2,none,1,290,1,commercial_bank,14781.67,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2020,rural,female,50,45-54,second,tertiary,employed_informal,113.31,6,none,1,695,1,sacco,2512.04,none,agriculture,1,2013.12,0.274,12,213.77,current,not_applicable,moderate_burden
Niger,2021,rural,female,69,55+,highest,primary,farmer,868.93,8,limited,1,101,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,27,25-34,second,none,employed_formal,262.43,7,good,1,534,1,sacco,3974.49,equipment,consumption,1,3745.87,0.354,18,281.68,current,not_applicable,moderate_burden
Nigeria,2020,rural,male,26,25-34,highest,secondary,unemployed,311.82,1,good,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,22,18-24,fourth,secondary,self_employed,1104.64,3,good,0,407,1,sacco,9240.88,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2020,rural,female,53,45-54,highest,primary,unemployed,334.27,6,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,51,45-54,middle,primary,self_employed,98.84,4,none,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,31,25-34,lowest,secondary,employed_informal,189.55,8,none,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,urban,female,68,55+,fourth,secondary,employed_informal,1176.64,4,none,1,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,female,27,25-34,highest,secondary,unemployed,1205.29,1,excellent,1,422,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,female,25,18-24,middle,none,farmer,409.42,8,none,1,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,31,25-34,second,secondary,farmer,120.78,10,excellent,0,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,male,49,45-54,lowest,tertiary,self_employed,42.83,6,excellent,1,279,1,commercial_bank,3184.4,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2022,rural,female,58,55+,highest,none,self_employed,196.09,2,good,0,402,1,commercial_bank,4390.46,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2025,urban,female,29,25-34,lowest,secondary,employed_informal,111.2,8,none,1,128,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,48,45-54,middle,none,farmer,411.95,9,none,1,66,1,employer,6496.66,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2021,urban,female,39,35-44,second,secondary,unemployed,183.55,6,good,0,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,25,18-24,second,none,farmer,347.11,10,none,0,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,male,61,55+,lowest,primary,self_employed,36.9,9,none,0,20,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,52,45-54,lowest,secondary,self_employed,58.7,8,limited,0,431,1,family_friends,2448.42,guarantor,debt_consolidation,1,2090.31,0.09,12,189.85,current,not_applicable,moderate_burden
Zambia,2018,rural,male,53,45-54,lowest,none,self_employed,108.02,5,limited,0,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,64,55+,fourth,tertiary,employed_formal,138.37,10,good,0,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,43,35-44,lowest,secondary,employed_informal,257.58,6,good,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,male,56,55+,second,secondary,employed_informal,208.66,10,limited,1,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,male,29,25-34,lowest,tertiary,farmer,87.17,8,good,0,781,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,male,65,55+,fourth,primary,employed_informal,726.62,3,limited,0,8,1,family_friends,4173.18,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2025,rural,male,40,35-44,fourth,secondary,unemployed,225.15,4,limited,1,642,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,female,32,25-34,middle,primary,employed_informal,170.47,9,excellent,0,749,1,digital_lender,1300.53,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2018,rural,female,32,25-34,highest,none,employed_formal,259.53,4,none,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,21,18-24,middle,primary,employed_informal,125.46,6,none,0,315,1,family_friends,3978.08,guarantor,agriculture,1,3407.27,0.029,24,146.09,current,not_applicable,moderate_burden
Ethiopia,2021,rural,female,21,18-24,highest,primary,self_employed,655.95,5,none,1,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,male,28,25-34,second,secondary,farmer,58.39,5,none,0,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,female,46,45-54,highest,primary,self_employed,391.23,9,good,1,842,1,commercial_bank,5119.11,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2018,rural,male,58,55+,highest,primary,employed_informal,398.01,4,excellent,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,55,45-54,second,secondary,farmer,62.26,9,none,1,499,1,family_friends,2250.55,none,asset_purchase,1,1805.6,0.028,18,103.14,paid_off,not_applicable,moderate_burden
Malawi,2023,urban,male,32,25-34,highest,primary,farmer,2116.88,10,none,0,132,1,sacco,3924.97,none,agriculture,1,3570.84,0.279,24,190.37,current,not_applicable,moderate_burden
Mozambique,2018,urban,female,18,18-24,middle,primary,employed_informal,162.74,4,limited,1,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,31,25-34,second,secondary,unemployed,238.61,1,none,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,34,25-34,highest,secondary,employed_informal,320.04,6,none,1,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,male,33,25-34,second,secondary,employed_informal,98.77,5,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,57,55+,second,tertiary,farmer,197.34,10,none,0,4,1,microfinance,2382.49,none,consumption,1,1984.34,0.291,12,213.52,paid_off,not_applicable,moderate_burden
Ethiopia,2023,urban,female,19,18-24,lowest,primary,self_employed,52.05,1,none,0,255,1,digital_lender,6170.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2024,rural,female,18,18-24,second,secondary,employed_informal,273.43,2,limited,0,483,1,microfinance,11051.29,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2024,urban,male,30,25-34,second,primary,employed_informal,94.89,6,limited,1,303,1,commercial_bank,7505.02,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2021,rural,male,56,55+,fourth,secondary,employed_formal,518.76,10,good,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,35,25-34,lowest,none,farmer,137.15,9,good,1,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,47,45-54,middle,primary,employed_informal,260.79,2,limited,0,425,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,41,35-44,middle,secondary,unemployed,46.81,3,limited,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,male,44,35-44,lowest,secondary,employed_formal,185.27,10,none,0,225,1,microfinance,2186.63,none,business,1,1814.04,0.349,24,101.94,current,not_applicable,moderate_burden
Malawi,2025,urban,male,30,25-34,fourth,none,employed_formal,390.85,5,limited,0,646,1,commercial_bank,2850.62,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2022,rural,male,49,45-54,fourth,tertiary,farmer,215.59,3,none,1,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,male,35,25-34,lowest,none,farmer,45.22,5,none,1,479,1,digital_lender,4553.91,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2020,rural,male,43,35-44,lowest,none,self_employed,119.87,9,limited,1,573,1,commercial_bank,5319.56,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2024,urban,female,67,55+,lowest,primary,employed_informal,65.9,7,none,0,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,29,25-34,highest,primary,farmer,448.91,3,limited,0,615,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,40,35-44,lowest,secondary,self_employed,35.03,2,limited,0,386,1,informal_lender,784.58,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2019,urban,male,23,18-24,fourth,primary,employed_informal,215.69,10,none,1,747,1,family_friends,2411.18,guarantor,business,1,2336.46,0.017,24,99.03,late_30_days,not_applicable,moderate_burden
DRC,2024,urban,male,31,25-34,lowest,secondary,farmer,91.98,9,none,0,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,50,45-54,lowest,secondary,unemployed,22.62,1,limited,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,41,35-44,lowest,none,employed_informal,151.1,10,none,0,635,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,male,35,25-34,fourth,primary,employed_informal,367.97,10,none,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,31,25-34,lowest,none,farmer,177.11,6,excellent,1,200,1,digital_lender,1610.24,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2020,urban,male,69,55+,second,primary,self_employed,131.83,9,none,0,682,1,commercial_bank,1956.58,none,business,1,1660.95,0.225,18,113.01,current,not_applicable,moderate_burden
Kenya,2018,urban,male,52,45-54,second,primary,self_employed,200.88,3,none,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,46,45-54,fourth,tertiary,employed_formal,815.18,4,none,0,396,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,19,18-24,second,secondary,employed_formal,392.56,10,good,0,464,1,informal_lender,3528.98,none,business,1,3521.28,0.777,6,1042.78,late_60_days,not_applicable,moderate_burden
Ghana,2024,rural,male,20,18-24,second,secondary,unemployed,96.48,5,none,0,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,57,55+,lowest,primary,employed_informal,92.8,4,none,1,587,1,sacco,4817.71,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2025,rural,male,45,35-44,second,primary,self_employed,114.48,9,none,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,female,45,35-44,second,primary,self_employed,78.46,7,good,0,305,1,microfinance,4274.77,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2020,rural,female,21,18-24,second,secondary,employed_informal,323.57,3,none,1,681,1,microfinance,8956.13,none,agriculture,1,8035.76,0.304,18,582.19,late_60_days,not_applicable,moderate_burden
Mozambique,2024,urban,female,19,18-24,lowest,none,self_employed,146.29,5,limited,0,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,20,18-24,second,secondary,employed_formal,109.16,8,none,0,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,21,18-24,fourth,tertiary,employed_formal,1067.73,10,good,0,798,1,informal_lender,9757.35,guarantor,agriculture,1,8184.83,0.763,18,801.74,late_30_days,not_applicable,moderate_burden
Nigeria,2020,rural,male,27,25-34,second,secondary,employed_informal,359.9,10,none,1,525,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,22,18-24,second,secondary,unemployed,75.16,4,none,1,89,1,commercial_bank,2897.46,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2024,urban,male,23,18-24,highest,none,self_employed,780.3,5,none,0,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,male,26,25-34,highest,secondary,employed_informal,418.83,5,none,0,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,female,61,55+,middle,tertiary,employed_informal,302.13,2,good,1,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,21,18-24,middle,primary,self_employed,176.84,6,none,1,59,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,48,45-54,lowest,primary,self_employed,54.42,7,none,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,25,18-24,highest,primary,farmer,175.23,8,none,0,493,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,38,35-44,fourth,tertiary,unemployed,947.52,2,none,0,390,1,informal_lender,2853.12,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2024,rural,male,18,18-24,lowest,none,employed_formal,59.98,8,good,1,781,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,male,52,45-54,second,none,unemployed,162.31,1,limited,1,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,57,55+,lowest,tertiary,farmer,13.88,8,limited,1,70,1,informal_lender,2567.56,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2020,rural,female,53,45-54,highest,none,employed_informal,436.4,8,limited,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,30,25-34,lowest,primary,self_employed,51.37,2,limited,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,female,35,25-34,lowest,none,self_employed,81.32,10,good,0,850,1,digital_lender,928.89,savings,emergency,1,782.66,0.482,12,96.64,current,not_applicable,moderate_burden
Kenya,2021,urban,female,58,55+,fourth,none,farmer,214.51,1,none,1,680,1,microfinance,3872.28,none,consumption,1,3533.6,0.31,36,128.56,current,not_applicable,moderate_burden
Mozambique,2018,urban,male,33,25-34,middle,secondary,employed_informal,171.13,3,none,1,537,1,sacco,1599.39,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2023,rural,female,48,45-54,lowest,primary,farmer,59.74,2,limited,0,208,1,informal_lender,1441.3,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mozambique,2020,rural,male,37,35-44,second,primary,employed_informal,153.84,5,good,1,266,1,microfinance,5662.56,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2019,urban,female,50,45-54,fourth,none,unemployed,382.16,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,41,35-44,lowest,secondary,farmer,33.1,1,excellent,0,235,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,53,45-54,second,primary,self_employed,140.95,1,limited,0,63,1,informal_lender,6945.71,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2018,rural,female,29,25-34,highest,none,self_employed,350.98,8,none,0,392,1,family_friends,13612.55,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2024,urban,male,38,35-44,lowest,primary,employed_informal,124.43,2,limited,0,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,50,45-54,highest,secondary,self_employed,261.44,6,none,1,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,male,55,45-54,lowest,secondary,self_employed,116.92,5,limited,1,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,38,35-44,middle,secondary,employed_informal,468.66,5,none,0,500,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,male,39,35-44,fourth,tertiary,unemployed,629.69,1,limited,0,761,1,sacco,8731.3,none,agriculture,1,7573.85,0.291,6,1629.9,current,not_applicable,moderate_burden
Malawi,2020,rural,female,30,25-34,lowest,primary,unemployed,80.67,4,none,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,28,25-34,middle,none,employed_formal,173.03,7,limited,1,743,1,digital_lender,3357.33,none,asset_purchase,1,3352.97,0.458,12,407.32,paid_off,not_applicable,moderate_burden
Ghana,2018,urban,female,57,55+,second,primary,farmer,96.49,7,none,1,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,20,18-24,highest,secondary,unemployed,1323.13,5,limited,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,28,25-34,fourth,tertiary,employed_formal,154.82,10,excellent,1,428,1,sacco,2806.48,savings,consumption,1,2479.69,0.305,6,539.21,current,not_applicable,moderate_burden
South Africa,2020,rural,male,36,35-44,lowest,secondary,employed_formal,48.69,10,none,0,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,39,35-44,lowest,tertiary,self_employed,113.18,8,limited,0,16,1,sacco,1555.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2021,rural,male,22,18-24,lowest,primary,farmer,68.21,2,none,0,312,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,20,18-24,fourth,primary,unemployed,656.68,1,limited,0,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,64,55+,lowest,primary,employed_informal,137.72,4,limited,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,36,35-44,second,primary,farmer,104.75,2,good,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,18,18-24,middle,primary,self_employed,420.1,7,limited,1,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,47,45-54,lowest,primary,unemployed,53.0,2,limited,0,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,48,45-54,middle,secondary,employed_informal,69.03,4,limited,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,44,35-44,second,none,employed_formal,188.82,5,none,1,480,1,family_friends,3013.04,none,business,1,2958.86,0.014,18,166.7,current,not_applicable,moderate_burden
Ethiopia,2023,rural,male,49,45-54,second,secondary,self_employed,294.63,5,limited,1,49,1,microfinance,4527.61,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2023,urban,male,68,55+,middle,secondary,employed_informal,99.86,6,good,1,771,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,male,44,35-44,fourth,primary,self_employed,84.56,10,none,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,52,45-54,second,secondary,unemployed,108.41,1,none,1,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,female,68,55+,highest,secondary,employed_formal,2891.1,10,none,1,196,1,microfinance,9348.72,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2018,urban,male,46,45-54,middle,secondary,farmer,334.73,8,none,1,84,1,sacco,3800.25,savings,housing,1,3273.84,0.367,12,372.99,paid_off,not_applicable,moderate_burden
South Africa,2023,urban,female,59,55+,second,none,farmer,90.62,9,none,1,445,1,sacco,6533.35,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2019,rural,male,31,25-34,fourth,none,employed_informal,123.63,4,none,0,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,47,45-54,lowest,secondary,self_employed,54.58,6,none,0,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,27,25-34,lowest,secondary,employed_informal,151.14,1,limited,1,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,24,18-24,second,primary,employed_informal,101.01,3,none,0,0,1,informal_lender,2722.55,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Zambia,2024,rural,female,63,55+,fourth,none,self_employed,396.46,3,limited,0,511,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,30,25-34,second,secondary,farmer,15.45,3,none,0,500,1,family_friends,440.47,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ghana,2024,urban,female,52,45-54,highest,primary,unemployed,527.6,4,limited,1,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,58,55+,lowest,tertiary,employed_informal,30.68,1,good,0,850,1,family_friends,1435.14,none,consumption,1,1261.69,0.027,24,54.01,late_60_days,not_applicable,moderate_burden
Rwanda,2018,urban,female,57,55+,fourth,secondary,unemployed,598.68,3,none,1,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,27,25-34,fourth,secondary,unemployed,163.47,3,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,female,28,25-34,lowest,secondary,employed_formal,116.44,10,none,0,128,1,family_friends,10454.65,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2018,rural,male,55,45-54,middle,primary,self_employed,386.11,4,none,1,449,1,commercial_bank,3873.04,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Senegal,2023,urban,female,25,18-24,second,none,farmer,155.18,7,good,1,557,1,digital_lender,2448.83,none,education,1,1963.74,0.471,24,120.38,current,not_applicable,moderate_burden
Kenya,2021,urban,female,48,45-54,highest,secondary,employed_informal,1657.07,5,good,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,urban,male,69,55+,highest,none,self_employed,1034.29,5,excellent,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,female,27,25-34,lowest,tertiary,employed_formal,64.87,4,limited,1,383,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,68,55+,second,none,self_employed,192.85,3,none,0,700,1,family_friends,6787.62,guarantor,agriculture,1,6702.41,0.065,6,1189.78,current,not_applicable,moderate_burden
Senegal,2023,urban,male,52,45-54,second,none,employed_informal,213.44,7,none,1,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,60,55+,lowest,secondary,employed_informal,159.62,7,good,0,819,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,23,18-24,second,primary,employed_informal,131.16,9,limited,1,220,1,family_friends,1513.86,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2020,rural,female,58,55+,second,primary,employed_formal,123.34,9,good,0,767,1,family_friends,2800.5,savings,education,1,2340.33,0.028,48,50.14,current,not_applicable,moderate_burden
Niger,2023,urban,female,43,35-44,lowest,primary,employed_informal,95.74,9,none,1,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,50,45-54,middle,tertiary,farmer,323.38,3,none,1,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,53,45-54,middle,tertiary,self_employed,409.0,4,limited,0,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,urban,female,27,25-34,second,primary,farmer,170.35,9,limited,0,39,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,35,25-34,fourth,secondary,employed_formal,343.64,10,none,0,118,1,family_friends,4378.65,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2024,urban,female,49,45-54,fourth,primary,employed_formal,614.93,10,none,0,651,1,family_friends,13370.83,guarantor,asset_purchase,1,10730.95,0.083,6,1936.34,defaulted,not_applicable,moderate_burden
Zambia,2020,rural,female,66,55+,second,primary,farmer,38.68,1,limited,0,118,1,informal_lender,1704.42,guarantor,consumption,1,1485.06,0.762,18,145.4,current,not_applicable,moderate_burden
Tanzania,2025,urban,male,60,55+,lowest,primary,unemployed,144.09,3,good,0,416,1,informal_lender,10316.92,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2020,urban,male,40,35-44,lowest,tertiary,unemployed,46.14,3,excellent,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,female,60,55+,fourth,primary,unemployed,1191.25,1,limited,0,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,21,18-24,fourth,tertiary,farmer,352.46,9,limited,1,229,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,female,60,55+,highest,primary,employed_informal,1779.8,6,none,1,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,female,67,55+,second,secondary,farmer,231.13,5,none,0,211,1,family_friends,3603.42,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2024,urban,male,55,45-54,middle,secondary,farmer,1397.33,2,good,1,368,1,microfinance,17396.4,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2021,rural,male,32,25-34,highest,secondary,employed_informal,699.36,8,excellent,0,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,female,43,35-44,middle,none,self_employed,348.61,4,none,0,77,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,59,55+,fourth,secondary,employed_formal,113.87,5,none,0,454,1,family_friends,1771.87,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mozambique,2020,rural,female,52,45-54,fourth,none,farmer,3813.77,3,none,1,0,1,sacco,24523.03,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2023,urban,male,35,25-34,highest,tertiary,self_employed,955.2,1,none,1,428,1,microfinance,2207.86,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2024,rural,male,31,25-34,second,none,farmer,133.64,10,limited,0,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,57,55+,second,tertiary,employed_informal,54.78,10,good,0,427,1,family_friends,3055.56,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2022,rural,female,42,35-44,fourth,secondary,employed_formal,362.3,6,limited,1,256,1,digital_lender,3036.14,none,business,1,2869.59,0.47,24,175.77,late_30_days,not_applicable,moderate_burden
Uganda,2023,urban,female,52,45-54,middle,primary,employed_formal,1061.51,7,limited,0,587,1,family_friends,14485.12,equipment,agriculture,1,11990.12,0.097,24,547.87,late_30_days,not_applicable,moderate_burden
Ethiopia,2025,rural,female,32,25-34,middle,primary,self_employed,187.62,4,good,1,233,1,commercial_bank,6841.49,none,business,1,6148.51,0.143,6,1171.5,late_30_days,not_applicable,moderate_burden
Zambia,2022,rural,female,42,35-44,middle,none,unemployed,189.9,1,none,0,160,1,informal_lender,3031.06,savings,housing,1,2923.42,0.846,18,299.89,current,not_applicable,moderate_burden
Mozambique,2018,rural,female,47,45-54,lowest,primary,employed_formal,91.84,4,none,0,290,1,family_friends,2768.41,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2021,urban,male,47,45-54,middle,secondary,employed_informal,340.39,4,limited,0,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,35,25-34,middle,primary,employed_formal,190.11,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,53,45-54,middle,primary,employed_informal,193.52,8,excellent,0,850,1,family_friends,4655.32,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,urban,female,28,25-34,highest,secondary,self_employed,2105.4,2,limited,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,50,45-54,middle,primary,farmer,89.22,8,limited,0,659,1,digital_lender,1893.99,none,asset_purchase,1,1787.11,0.442,12,214.81,current,not_applicable,moderate_burden
Mali,2025,rural,male,34,25-34,fourth,primary,farmer,465.03,9,none,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,18,18-24,lowest,secondary,farmer,40.51,4,limited,1,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,49,45-54,second,secondary,employed_informal,215.55,9,none,1,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,61,55+,lowest,secondary,employed_formal,61.47,4,none,1,244,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,rural,female,35,25-34,second,none,employed_formal,141.49,6,none,1,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,45,35-44,fourth,secondary,self_employed,591.12,5,none,0,620,1,microfinance,10993.34,none,emergency,1,10088.0,0.351,12,1136.1,paid_off,not_applicable,moderate_burden
Zambia,2024,urban,female,21,18-24,fourth,primary,employed_informal,645.72,6,good,1,798,1,commercial_bank,4216.19,guarantor,business,1,3572.02,0.223,12,364.15,current,not_applicable,moderate_burden
Kenya,2023,rural,male,28,25-34,lowest,secondary,self_employed,37.96,2,none,0,26,1,family_friends,2125.0,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2020,urban,female,41,35-44,second,secondary,self_employed,60.31,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,56,55+,second,primary,employed_formal,117.93,6,good,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,female,55,45-54,second,tertiary,farmer,49.05,7,none,1,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,19,18-24,middle,none,farmer,245.27,4,none,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,26,25-34,fourth,tertiary,farmer,194.69,2,excellent,0,850,1,commercial_bank,3703.19,guarantor,business,1,3677.25,0.16,36,118.52,current,not_applicable,moderate_burden
Tanzania,2023,rural,male,20,18-24,lowest,none,self_employed,130.48,9,none,0,724,1,informal_lender,2081.52,none,emergency,1,1956.14,0.757,18,190.89,current,not_applicable,moderate_burden
Rwanda,2024,urban,male,47,45-54,middle,primary,farmer,429.7,5,limited,1,326,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,female,61,55+,fourth,secondary,unemployed,789.8,5,limited,1,400,1,commercial_bank,13896.99,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2018,rural,male,48,45-54,lowest,none,unemployed,64.48,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,39,35-44,second,secondary,farmer,146.43,5,good,0,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,65,55+,lowest,none,unemployed,25.29,1,none,1,133,1,informal_lender,1632.12,savings,business,1,1393.87,0.838,12,213.47,defaulted,not_applicable,moderate_burden
Ghana,2024,rural,male,24,18-24,highest,tertiary,employed_informal,432.31,10,limited,0,606,1,digital_lender,4543.85,vehicle,business,1,4438.33,0.433,12,530.04,late_60_days,not_applicable,moderate_burden
Rwanda,2020,urban,male,27,25-34,fourth,secondary,self_employed,738.18,10,good,0,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,54,45-54,fourth,secondary,self_employed,465.54,3,none,1,181,1,microfinance,1807.54,vehicle,agriculture,1,1617.04,0.284,12,172.96,current,not_applicable,moderate_burden
Senegal,2022,rural,male,67,55+,highest,primary,employed_informal,1457.93,4,none,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,male,49,45-54,highest,primary,self_employed,307.3,10,none,1,631,1,microfinance,12518.19,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2022,urban,male,45,35-44,middle,secondary,employed_informal,1269.83,10,none,1,166,1,informal_lender,7906.79,equipment,housing,1,7206.44,0.776,18,711.22,current,not_applicable,moderate_burden
Niger,2024,urban,female,44,35-44,second,primary,unemployed,114.12,6,limited,1,215,1,commercial_bank,11864.85,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2020,urban,female,66,55+,lowest,none,employed_informal,154.18,8,limited,1,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,female,34,25-34,lowest,none,employed_informal,80.25,9,none,0,53,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,22,18-24,lowest,secondary,farmer,59.96,10,none,1,394,1,sacco,1683.74,guarantor,consumption,1,1381.8,0.321,18,101.41,current,not_applicable,moderate_burden
Ghana,2020,urban,female,39,35-44,second,secondary,unemployed,342.6,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,27,25-34,lowest,primary,self_employed,85.75,10,good,1,338,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,male,49,45-54,lowest,primary,employed_informal,84.52,3,none,0,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,45,35-44,highest,secondary,employed_informal,524.48,3,limited,0,789,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,53,45-54,second,none,self_employed,66.41,9,none,1,165,1,sacco,6305.38,property,housing,1,5582.11,0.276,12,593.37,paid_off,not_applicable,moderate_burden
Mali,2018,rural,male,65,55+,second,secondary,self_employed,105.87,8,none,0,210,1,commercial_bank,4787.35,savings,consumption,1,4126.82,0.22,6,839.12,current,not_applicable,moderate_burden
Niger,2025,rural,female,20,18-24,middle,primary,self_employed,276.95,7,none,0,650,1,informal_lender,12140.5,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2025,rural,female,52,45-54,lowest,secondary,self_employed,77.27,6,limited,1,664,1,commercial_bank,7095.0,none,consumption,1,6576.72,0.148,18,419.27,current,not_applicable,moderate_burden
Mozambique,2019,rural,male,53,45-54,fourth,primary,employed_formal,546.53,10,limited,0,808,1,microfinance,6726.93,none,emergency,1,6639.63,0.311,6,1451.12,current,not_applicable,moderate_burden
Mali,2019,urban,female,43,35-44,lowest,secondary,farmer,57.62,5,none,0,467,1,family_friends,1458.43,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2018,rural,female,36,35-44,highest,secondary,employed_informal,400.2,2,good,0,210,1,commercial_bank,6213.33,savings,housing,1,5598.5,0.194,18,371.35,current,not_applicable,moderate_burden
Mali,2024,urban,male,26,25-34,lowest,secondary,unemployed,137.16,1,none,1,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,66,55+,middle,secondary,farmer,166.99,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,49,45-54,middle,primary,employed_informal,204.58,7,none,0,0,1,sacco,5661.48,guarantor,business,1,5585.45,0.289,18,400.01,late_30_days,not_applicable,moderate_burden
Rwanda,2023,rural,male,27,25-34,highest,primary,farmer,799.35,9,none,1,681,1,microfinance,2979.91,none,emergency,1,2511.8,0.302,6,545.0,defaulted,not_applicable,moderate_burden
Mozambique,2025,urban,female,36,35-44,second,secondary,farmer,221.49,9,none,1,394,1,family_friends,12914.08,vehicle,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2024,urban,female,35,25-34,highest,primary,farmer,960.68,8,good,0,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,66,55+,fourth,tertiary,unemployed,401.92,2,none,1,233,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,49,45-54,lowest,primary,employed_informal,103.28,1,none,1,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,male,56,55+,highest,primary,self_employed,354.48,10,none,0,254,1,digital_lender,1777.87,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2023,urban,female,62,55+,lowest,secondary,self_employed,50.0,5,limited,1,27,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,62,55+,second,secondary,unemployed,144.09,2,none,1,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,27,25-34,lowest,secondary,employed_informal,90.11,8,none,1,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,male,29,25-34,highest,tertiary,employed_informal,3088.37,5,limited,1,575,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,female,23,18-24,second,primary,employed_formal,100.82,10,none,0,38,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,20,18-24,fourth,tertiary,self_employed,218.08,3,excellent,0,173,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,female,67,55+,middle,none,farmer,433.51,6,limited,0,633,1,digital_lender,6530.28,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2025,rural,female,68,55+,middle,tertiary,employed_informal,225.05,5,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,54,45-54,highest,secondary,employed_informal,874.05,5,none,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,23,18-24,fourth,primary,farmer,870.47,4,none,1,261,1,digital_lender,16633.3,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,urban,male,59,55+,second,tertiary,employed_informal,312.18,9,none,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,female,64,55+,second,secondary,employed_informal,217.75,8,none,0,0,1,informal_lender,5992.7,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2020,rural,male,64,55+,highest,none,employed_informal,930.56,5,none,0,541,1,family_friends,10302.81,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2020,urban,male,63,55+,lowest,primary,farmer,165.46,3,limited,0,641,1,informal_lender,5132.16,vehicle,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2018,rural,female,55,45-54,lowest,secondary,unemployed,33.95,1,none,1,698,1,sacco,1008.64,savings,consumption,1,899.84,0.284,6,192.56,current,not_applicable,moderate_burden
Kenya,2020,rural,female,32,25-34,lowest,none,employed_informal,138.18,5,limited,0,391,1,informal_lender,1439.0,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2025,rural,male,49,45-54,highest,primary,employed_informal,408.74,10,none,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,38,35-44,fourth,tertiary,employed_informal,557.84,5,excellent,1,314,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,65,55+,lowest,secondary,employed_formal,76.43,4,good,1,546,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,53,45-54,lowest,none,unemployed,72.2,1,none,0,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,female,26,25-34,second,none,unemployed,245.74,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,32,25-34,lowest,primary,self_employed,44.23,6,none,1,0,1,sacco,1062.25,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2022,rural,male,34,25-34,second,none,self_employed,42.47,5,none,0,38,1,commercial_bank,1135.68,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2025,urban,female,18,18-24,highest,none,self_employed,1042.79,9,good,1,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,53,45-54,lowest,secondary,farmer,57.61,2,none,1,728,1,commercial_bank,3781.98,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2025,rural,male,59,55+,second,none,self_employed,155.45,9,none,0,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,male,52,45-54,lowest,primary,farmer,41.63,2,good,1,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,30,25-34,lowest,none,self_employed,256.72,6,none,1,48,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,39,35-44,highest,primary,farmer,464.99,7,none,1,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,35,25-34,lowest,primary,employed_informal,70.07,10,none,0,30,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,67,55+,highest,secondary,farmer,1195.97,6,good,0,807,1,informal_lender,11811.27,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2020,rural,male,43,35-44,highest,none,employed_informal,502.92,6,none,0,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,34,25-34,second,primary,unemployed,486.74,1,limited,0,83,1,family_friends,4871.52,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2022,rural,female,54,45-54,lowest,none,self_employed,71.32,9,excellent,0,493,1,family_friends,4156.51,equipment,business,1,3373.56,0.093,24,153.68,current,not_applicable,moderate_burden
Ethiopia,2025,urban,female,31,25-34,fourth,none,unemployed,428.21,2,none,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,56,55+,lowest,primary,unemployed,55.49,2,limited,0,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,female,58,55+,second,primary,self_employed,138.04,6,none,0,508,1,employer,2623.86,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2021,rural,female,22,18-24,fourth,secondary,unemployed,220.79,1,none,0,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,female,19,18-24,fourth,primary,farmer,285.47,9,limited,1,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,male,18,18-24,middle,none,unemployed,448.79,3,none,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,female,66,55+,fourth,secondary,employed_formal,787.34,8,limited,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,female,24,18-24,middle,primary,unemployed,560.6,1,limited,1,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,38,35-44,second,secondary,farmer,120.51,9,none,1,0,1,digital_lender,6422.39,guarantor,education,1,5368.96,0.445,12,646.59,current,not_applicable,moderate_burden
Niger,2019,rural,female,30,25-34,lowest,secondary,employed_informal,37.49,9,none,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,42,35-44,middle,secondary,farmer,424.15,3,none,0,222,1,family_friends,3838.77,guarantor,business,1,3344.46,0.088,18,202.12,current,not_applicable,moderate_burden
Kenya,2024,rural,female,69,55+,lowest,secondary,farmer,94.14,6,none,0,0,1,family_friends,2526.99,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2022,rural,male,69,55+,middle,secondary,employed_informal,409.76,5,none,0,50,1,microfinance,4245.18,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2022,rural,male,35,25-34,highest,none,employed_informal,358.21,4,none,1,643,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,57,55+,second,tertiary,self_employed,106.37,4,none,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,26,25-34,fourth,secondary,self_employed,150.94,9,none,0,673,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,male,63,55+,middle,primary,self_employed,99.06,6,limited,0,824,1,microfinance,2841.16,none,consumption,1,2773.12,0.363,12,315.06,current,not_applicable,moderate_burden
Senegal,2020,rural,male,42,35-44,fourth,secondary,employed_informal,374.98,4,limited,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,female,22,18-24,middle,secondary,unemployed,72.25,2,none,1,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,36,35-44,lowest,primary,employed_formal,51.76,9,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,male,59,55+,highest,secondary,farmer,1876.38,10,good,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,26,25-34,second,primary,employed_formal,123.71,7,limited,1,787,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,60,55+,second,tertiary,self_employed,432.34,1,good,1,379,1,digital_lender,5364.59,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2019,urban,female,27,25-34,second,none,unemployed,135.63,1,none,1,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,female,37,35-44,lowest,primary,farmer,198.85,8,limited,0,221,1,sacco,1072.9,property,consumption,1,918.09,0.28,24,48.98,current,not_applicable,moderate_burden
Senegal,2018,urban,male,27,25-34,highest,secondary,self_employed,445.8,1,none,1,145,1,commercial_bank,6431.85,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2022,urban,female,42,35-44,middle,secondary,self_employed,480.72,7,none,0,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,63,55+,second,tertiary,self_employed,120.53,1,limited,1,728,1,sacco,2792.51,savings,housing,1,2428.18,0.293,12,261.66,paid_off,not_applicable,moderate_burden
Nigeria,2018,rural,male,69,55+,second,primary,self_employed,61.15,3,limited,0,235,1,family_friends,3124.25,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2025,rural,female,64,55+,second,tertiary,employed_informal,199.87,3,none,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,62,55+,fourth,secondary,employed_informal,184.07,2,none,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,50,45-54,middle,tertiary,self_employed,874.0,4,limited,0,466,1,family_friends,3433.53,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2024,urban,male,68,55+,second,tertiary,employed_formal,92.78,4,none,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,55,45-54,second,primary,employed_formal,148.46,10,none,0,417,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,female,51,45-54,second,primary,employed_formal,194.97,9,limited,0,373,1,microfinance,2270.56,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2025,rural,male,24,18-24,lowest,primary,employed_informal,44.74,9,none,0,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,male,39,35-44,fourth,secondary,self_employed,390.19,9,none,0,533,1,informal_lender,1836.42,equipment,education,1,1490.17,0.784,6,443.03,current,not_applicable,moderate_burden
Nigeria,2018,rural,female,61,55+,middle,secondary,employed_formal,425.81,9,excellent,1,764,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,male,36,35-44,fourth,tertiary,employed_informal,318.84,6,limited,0,66,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,69,55+,fourth,secondary,self_employed,390.48,8,limited,0,807,1,family_friends,3820.43,guarantor,emergency,1,3446.13,0.005,18,192.48,paid_off,not_applicable,moderate_burden
Nigeria,2018,urban,female,67,55+,middle,tertiary,employed_informal,275.61,6,good,0,556,1,microfinance,1719.23,savings,business,1,1636.83,0.282,48,43.72,current,not_applicable,moderate_burden
DRC,2023,rural,female,61,55+,fourth,secondary,self_employed,521.15,7,none,1,510,1,sacco,6719.82,vehicle,agriculture,1,6643.92,0.274,12,705.43,paid_off,not_applicable,moderate_burden
Tanzania,2023,rural,female,42,35-44,middle,secondary,self_employed,216.75,2,none,1,422,1,sacco,4948.37,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2022,rural,female,62,55+,lowest,secondary,employed_formal,54.36,7,limited,0,257,1,digital_lender,1818.63,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2024,rural,male,52,45-54,middle,primary,employed_formal,122.75,10,limited,0,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,66,55+,fourth,tertiary,employed_informal,174.68,4,none,1,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,53,45-54,lowest,primary,employed_informal,32.39,5,limited,0,207,1,employer,2037.41,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2023,urban,male,38,35-44,highest,primary,self_employed,2390.61,7,good,0,671,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,42,35-44,second,tertiary,unemployed,66.77,2,none,1,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,urban,female,46,45-54,highest,tertiary,self_employed,1424.28,10,none,0,556,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,36,35-44,fourth,secondary,employed_formal,304.87,7,good,1,402,1,commercial_bank,4767.14,none,consumption,1,3845.28,0.15,24,184.28,paid_off,not_applicable,moderate_burden
South Africa,2023,rural,female,51,45-54,highest,none,farmer,520.69,6,limited,1,765,1,microfinance,2351.13,guarantor,consumption,1,2086.05,0.28,36,74.19,defaulted,not_applicable,moderate_burden
Zambia,2023,urban,female,47,45-54,second,primary,self_employed,99.76,10,limited,0,193,1,family_friends,10805.1,equipment,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2022,rural,male,62,55+,fourth,primary,employed_informal,740.03,4,good,1,819,1,commercial_bank,5123.96,savings,agriculture,1,4975.51,0.194,18,329.98,current,not_applicable,moderate_burden
Ethiopia,2019,rural,female,61,55+,lowest,primary,employed_informal,69.85,4,none,1,45,1,sacco,2675.81,none,agriculture,1,2365.37,0.325,6,522.2,current,not_applicable,moderate_burden
Kenya,2020,rural,female,31,25-34,highest,primary,employed_informal,229.12,5,none,0,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,69,55+,highest,none,unemployed,4537.23,1,limited,1,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,27,25-34,middle,primary,employed_informal,656.0,6,none,1,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,39,35-44,fourth,none,farmer,308.9,5,limited,1,241,1,sacco,3701.12,equipment,consumption,1,3061.96,0.342,12,342.33,late_30_days,not_applicable,moderate_burden
Niger,2019,urban,female,61,55+,second,tertiary,employed_informal,553.49,10,none,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,male,26,25-34,lowest,tertiary,employed_informal,50.19,4,limited,1,36,1,microfinance,2801.4,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2025,rural,female,21,18-24,middle,none,farmer,62.24,10,none,0,481,1,commercial_bank,2621.9,property,agriculture,1,2572.12,0.173,24,125.7,current,not_applicable,moderate_burden
Niger,2019,urban,female,53,45-54,second,secondary,farmer,419.14,2,none,1,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,47,45-54,lowest,none,self_employed,45.58,3,none,0,0,1,microfinance,1539.43,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2022,rural,male,39,35-44,fourth,primary,self_employed,161.7,5,none,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,41,35-44,lowest,none,employed_informal,52.21,5,limited,0,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,63,55+,middle,tertiary,employed_informal,137.26,3,good,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,24,18-24,highest,secondary,employed_formal,2134.81,7,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,male,64,55+,middle,tertiary,employed_informal,196.07,10,limited,0,761,1,microfinance,5093.25,savings,education,1,4124.66,0.332,18,305.14,defaulted,not_applicable,moderate_burden
Mozambique,2019,rural,male,47,45-54,fourth,secondary,employed_formal,326.21,9,limited,0,443,1,family_friends,12197.83,none,housing,1,10446.54,0.031,18,598.39,current,not_applicable,moderate_burden
Senegal,2020,urban,female,42,35-44,lowest,secondary,employed_informal,75.47,10,none,0,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,male,49,45-54,lowest,secondary,unemployed,58.64,6,good,0,260,1,sacco,1714.95,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2025,rural,male,21,18-24,lowest,secondary,unemployed,96.89,2,none,1,654,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,66,55+,highest,secondary,self_employed,703.25,4,good,1,540,1,microfinance,16168.84,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2020,urban,male,20,18-24,highest,secondary,self_employed,974.01,7,none,0,314,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,male,58,55+,lowest,none,unemployed,38.91,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,28,25-34,fourth,none,employed_formal,619.53,9,none,0,0,1,microfinance,6416.03,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2024,rural,male,66,55+,second,secondary,self_employed,77.86,7,good,0,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,25,18-24,lowest,secondary,farmer,55.32,7,none,0,676,1,digital_lender,7774.44,savings,consumption,1,7350.33,0.435,24,439.49,current,not_applicable,moderate_burden
Zambia,2022,rural,male,44,35-44,lowest,none,employed_informal,46.99,2,good,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,male,34,25-34,highest,secondary,employed_formal,2246.67,10,none,0,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,69,55+,fourth,none,self_employed,216.18,2,limited,1,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,23,18-24,middle,tertiary,unemployed,71.58,1,none,1,258,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,27,25-34,fourth,primary,employed_informal,117.08,9,limited,0,148,1,microfinance,2458.82,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2019,urban,male,52,45-54,middle,primary,employed_informal,197.36,5,limited,0,818,1,family_friends,3602.39,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2025,urban,female,19,18-24,lowest,primary,farmer,69.26,10,none,1,33,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,49,45-54,middle,secondary,farmer,99.87,6,none,1,532,1,digital_lender,4786.33,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2024,rural,male,31,25-34,middle,secondary,employed_informal,462.3,10,none,1,431,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,44,35-44,lowest,secondary,unemployed,59.83,6,limited,1,815,1,microfinance,2064.16,guarantor,housing,1,1749.77,0.301,24,94.82,paid_off,not_applicable,moderate_burden
Uganda,2019,urban,male,19,18-24,lowest,secondary,employed_formal,123.63,10,none,1,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,43,35-44,second,secondary,unemployed,117.26,6,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,35,25-34,second,none,farmer,103.87,1,good,0,578,1,family_friends,4816.88,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2020,rural,female,67,55+,second,secondary,self_employed,230.72,7,limited,1,537,1,sacco,5702.92,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2019,urban,male,46,45-54,fourth,secondary,farmer,318.43,2,limited,0,390,1,informal_lender,9468.2,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2025,rural,male,58,55+,second,primary,employed_informal,89.21,7,good,0,209,1,digital_lender,2118.94,savings,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ghana,2020,rural,male,56,55+,highest,primary,self_employed,723.6,8,none,1,376,1,sacco,17748.28,none,business,1,17701.11,0.278,12,1885.74,defaulted,not_applicable,moderate_burden
Mozambique,2024,rural,male,39,35-44,middle,primary,unemployed,324.47,1,none,1,78,1,microfinance,2412.02,savings,asset_purchase,1,2281.79,0.332,12,253.25,late_30_days,not_applicable,moderate_burden
Mozambique,2018,rural,male,38,35-44,lowest,secondary,unemployed,138.32,4,none,0,693,1,digital_lender,4257.67,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2025,urban,male,55,45-54,lowest,secondary,employed_informal,110.99,7,good,1,755,1,sacco,7021.08,none,consumption,1,5984.6,0.321,18,439.11,current,not_applicable,moderate_burden
Mali,2021,rural,male,22,18-24,second,primary,self_employed,102.25,5,limited,0,430,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,67,55+,middle,secondary,farmer,416.15,8,good,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,44,35-44,fourth,none,farmer,360.51,9,limited,0,511,1,microfinance,17938.94,none,business,1,17483.77,0.297,6,3780.83,late_30_days,not_applicable,moderate_burden
South Africa,2019,rural,female,24,18-24,lowest,secondary,employed_informal,68.18,7,limited,0,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,29,25-34,fourth,secondary,unemployed,126.48,6,none,0,318,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,50,45-54,second,none,farmer,188.6,9,none,1,593,1,microfinance,2677.63,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2023,urban,female,66,55+,fourth,secondary,unemployed,280.58,4,none,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,male,39,35-44,middle,secondary,farmer,192.24,3,none,1,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,27,25-34,middle,none,farmer,178.09,8,good,1,659,1,commercial_bank,4167.33,guarantor,education,1,4023.65,0.201,36,134.29,late_60_days,not_applicable,moderate_burden
Kenya,2019,rural,male,40,35-44,middle,none,farmer,128.86,5,limited,0,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,male,27,25-34,lowest,primary,self_employed,73.37,9,limited,0,625,1,family_friends,2382.29,guarantor,debt_consolidation,1,2320.6,0.095,6,423.6,current,not_applicable,moderate_burden
Niger,2020,urban,male,35,25-34,highest,tertiary,farmer,1979.21,7,none,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,22,18-24,second,secondary,farmer,288.14,2,none,0,489,1,employer,7445.45,savings,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2020,rural,female,60,55+,fourth,secondary,employed_formal,312.49,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,60,55+,lowest,primary,self_employed,74.63,10,limited,1,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,23,18-24,lowest,none,self_employed,156.65,9,excellent,0,676,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,32,25-34,lowest,none,self_employed,12.4,5,limited,0,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,42,35-44,lowest,secondary,farmer,30.93,2,none,1,288,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,male,29,25-34,lowest,primary,employed_informal,194.28,9,limited,0,838,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,female,19,18-24,fourth,secondary,self_employed,209.43,8,none,1,402,1,microfinance,6299.01,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2024,rural,female,65,55+,lowest,primary,employed_informal,52.2,2,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,male,43,35-44,lowest,secondary,farmer,48.78,6,limited,0,365,1,family_friends,2247.41,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2022,urban,female,68,55+,lowest,tertiary,employed_formal,250.62,10,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,female,21,18-24,highest,primary,farmer,112.92,7,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,male,61,55+,highest,none,self_employed,4111.12,5,none,0,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,64,55+,middle,primary,farmer,25.46,10,limited,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,32,25-34,second,tertiary,employed_informal,176.07,9,good,1,850,1,sacco,7678.61,none,asset_purchase,1,7016.74,0.317,12,769.85,current,not_applicable,moderate_burden
DRC,2022,rural,female,50,45-54,fourth,tertiary,self_employed,3339.91,6,none,0,664,1,family_friends,7526.54,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2019,rural,female,31,25-34,lowest,secondary,farmer,36.11,4,good,1,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,59,55+,fourth,primary,self_employed,1317.46,3,good,0,850,1,commercial_bank,9188.3,none,business,1,7897.23,0.18,36,258.96,current,not_applicable,moderate_burden
South Africa,2025,rural,female,60,55+,highest,tertiary,self_employed,576.03,2,limited,1,726,1,microfinance,5163.89,savings,agriculture,1,4355.85,0.355,18,327.96,current,not_applicable,moderate_burden
Niger,2018,urban,male,28,25-34,highest,tertiary,employed_informal,244.57,5,none,0,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,63,55+,lowest,primary,farmer,94.41,3,good,0,524,1,family_friends,6817.51,none,education,1,5779.75,0.036,24,249.41,defaulted,not_applicable,moderate_burden
Ethiopia,2025,rural,female,54,45-54,lowest,primary,self_employed,49.21,10,none,0,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,25,18-24,second,primary,employed_informal,67.32,6,none,1,337,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,22,18-24,middle,primary,self_employed,190.42,5,limited,0,701,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,56,55+,lowest,secondary,farmer,44.89,2,limited,0,422,1,informal_lender,3083.59,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2019,rural,male,36,35-44,middle,secondary,employed_informal,142.79,9,none,0,368,1,informal_lender,2408.41,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2021,urban,female,65,55+,middle,tertiary,unemployed,333.39,1,none,0,319,1,informal_lender,2537.0,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2023,rural,male,38,35-44,second,primary,employed_formal,123.55,9,limited,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,female,50,45-54,middle,secondary,self_employed,141.06,8,good,0,328,1,microfinance,5356.12,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2020,rural,female,60,55+,middle,none,employed_informal,92.17,4,none,1,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,60,55+,second,secondary,self_employed,288.86,8,none,1,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,55,45-54,lowest,secondary,employed_informal,71.83,3,none,1,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,21,18-24,lowest,none,farmer,71.55,6,limited,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,60,55+,middle,none,employed_informal,397.42,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,58,55+,fourth,secondary,self_employed,279.48,9,excellent,0,228,1,informal_lender,3755.84,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2024,rural,female,53,45-54,lowest,primary,self_employed,13.24,8,excellent,1,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,male,26,25-34,lowest,tertiary,unemployed,32.76,1,none,0,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,51,45-54,second,secondary,farmer,153.17,6,good,1,493,1,sacco,1915.6,none,business,1,1900.13,0.361,24,107.74,current,not_applicable,moderate_burden
Uganda,2019,rural,male,64,55+,fourth,secondary,employed_informal,660.48,8,none,0,362,1,digital_lender,6077.84,none,consumption,1,5371.54,0.489,6,1333.06,late_30_days,not_applicable,moderate_burden
Nigeria,2022,urban,female,37,35-44,second,tertiary,unemployed,315.99,4,none,1,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,27,25-34,lowest,secondary,employed_formal,70.11,9,none,0,423,1,family_friends,2257.73,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2024,rural,male,67,55+,middle,secondary,employed_formal,330.03,8,limited,0,479,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,47,45-54,middle,primary,unemployed,632.03,1,good,1,378,1,microfinance,5454.86,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2018,urban,male,50,45-54,fourth,primary,employed_informal,252.06,5,limited,0,404,1,digital_lender,3089.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2025,rural,male,29,25-34,middle,primary,unemployed,234.32,5,none,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,male,45,35-44,second,tertiary,self_employed,147.49,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,32,25-34,lowest,secondary,employed_informal,98.2,6,good,0,506,1,informal_lender,2741.39,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2025,rural,female,69,55+,second,secondary,self_employed,135.42,9,none,0,63,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,male,18,18-24,fourth,primary,employed_informal,267.41,2,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,31,25-34,middle,tertiary,unemployed,284.15,1,limited,1,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,53,45-54,lowest,secondary,unemployed,43.19,2,good,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,58,55+,fourth,tertiary,employed_informal,635.48,2,none,0,569,1,informal_lender,5186.9,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2023,urban,male,34,25-34,highest,secondary,farmer,2969.71,5,none,1,314,1,digital_lender,7812.76,equipment,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2024,rural,male,38,35-44,fourth,primary,unemployed,122.46,4,limited,0,329,1,informal_lender,3435.51,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2023,rural,female,48,45-54,fourth,primary,unemployed,651.3,5,good,0,661,1,informal_lender,4188.74,property,business,1,4124.51,0.76,12,604.91,late_30_days,not_applicable,moderate_burden
Uganda,2018,rural,female,64,55+,lowest,none,employed_informal,19.1,10,none,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,male,64,55+,lowest,secondary,self_employed,57.21,1,limited,0,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,57,55+,middle,secondary,self_employed,154.55,7,none,1,364,1,microfinance,4077.05,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2023,urban,male,21,18-24,highest,none,self_employed,1159.67,10,none,1,98,1,commercial_bank,11272.45,savings,debt_consolidation,1,10685.7,0.169,18,694.01,late_30_days,not_applicable,moderate_burden
Nigeria,2023,rural,female,32,25-34,second,primary,employed_informal,518.81,8,good,0,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,female,49,45-54,highest,none,employed_informal,1242.31,8,none,1,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,38,35-44,lowest,primary,employed_informal,49.67,4,none,1,700,1,microfinance,1226.78,guarantor,agriculture,1,1158.58,0.34,18,86.22,late_30_days,not_applicable,moderate_burden
Ethiopia,2022,urban,female,24,18-24,fourth,tertiary,self_employed,386.53,6,good,0,136,1,family_friends,11757.28,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2018,urban,female,55,45-54,fourth,primary,unemployed,710.81,6,good,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,male,69,55+,second,primary,employed_informal,292.99,9,limited,1,559,1,commercial_bank,3238.39,guarantor,education,1,3143.77,0.155,6,605.4,late_30_days,not_applicable,moderate_burden
Malawi,2020,urban,male,42,35-44,middle,secondary,self_employed,265.87,3,none,0,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,19,18-24,second,secondary,farmer,128.73,2,good,0,112,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,67,55+,second,primary,employed_informal,377.92,8,none,0,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,28,25-34,second,secondary,employed_formal,48.37,10,limited,1,847,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,male,23,18-24,second,primary,farmer,69.94,5,limited,1,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,52,45-54,second,none,self_employed,112.88,6,good,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,male,67,55+,fourth,secondary,unemployed,884.76,1,limited,0,450,1,microfinance,11095.95,savings,business,1,10771.22,0.288,48,289.07,late_30_days,not_applicable,moderate_burden
Niger,2020,rural,male,22,18-24,middle,primary,employed_informal,823.6,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,25,18-24,second,primary,farmer,80.1,10,limited,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,female,67,55+,highest,none,employed_formal,292.99,5,none,1,808,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,male,30,25-34,lowest,tertiary,farmer,104.91,8,none,1,59,1,commercial_bank,2917.61,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2018,rural,female,47,45-54,second,secondary,unemployed,167.17,5,excellent,1,790,1,microfinance,4646.76,none,education,1,4388.61,0.323,12,483.68,defaulted,not_applicable,moderate_burden
South Africa,2025,rural,female,53,45-54,lowest,primary,employed_informal,250.9,9,none,1,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,51,45-54,lowest,none,farmer,83.89,9,limited,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,51,45-54,fourth,secondary,employed_informal,240.2,1,none,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,35,25-34,middle,primary,unemployed,376.27,4,limited,0,604,1,family_friends,3848.41,none,business,1,3082.99,0.005,12,258.27,current,not_applicable,moderate_burden
Mozambique,2023,urban,female,44,35-44,second,secondary,employed_informal,65.09,9,good,0,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,male,31,25-34,fourth,tertiary,farmer,578.14,1,limited,0,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,62,55+,fourth,tertiary,self_employed,205.02,1,limited,0,431,1,microfinance,2365.98,none,business,1,2239.9,0.352,6,504.77,current,not_applicable,moderate_burden
Niger,2025,rural,female,22,18-24,second,primary,employed_informal,417.01,9,none,0,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,male,62,55+,fourth,secondary,employed_formal,776.71,7,none,0,745,1,microfinance,15068.78,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Nigeria,2019,rural,male,65,55+,fourth,primary,employed_informal,473.92,10,good,1,820,1,sacco,4134.16,vehicle,consumption,1,3510.54,0.358,12,397.26,late_30_days,not_applicable,moderate_burden
Zambia,2019,rural,female,34,25-34,second,primary,self_employed,97.59,3,none,1,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,45,35-44,fourth,secondary,self_employed,808.33,7,good,0,151,1,microfinance,5866.87,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2021,rural,female,19,18-24,lowest,none,farmer,103.0,2,good,0,799,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,male,54,45-54,lowest,primary,employed_formal,48.92,5,excellent,0,629,1,family_friends,1257.22,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2024,rural,female,22,18-24,lowest,secondary,employed_informal,16.57,3,none,0,391,1,digital_lender,1374.7,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,rural,male,54,45-54,fourth,primary,unemployed,376.8,6,excellent,1,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,60,55+,lowest,secondary,unemployed,85.48,1,none,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,51,45-54,lowest,secondary,self_employed,17.53,10,limited,1,128,1,commercial_bank,2238.7,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2022,urban,male,44,35-44,middle,secondary,employed_formal,276.68,6,none,0,0,1,informal_lender,2972.51,none,agriculture,1,2893.68,0.791,12,431.84,current,not_applicable,moderate_burden
DRC,2019,rural,male,22,18-24,highest,secondary,employed_formal,1104.21,4,limited,1,697,1,sacco,4241.79,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2021,rural,female,56,55+,fourth,secondary,farmer,273.0,8,good,0,677,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,43,35-44,second,primary,unemployed,293.62,5,none,1,358,1,family_friends,4778.69,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,rural,male,39,35-44,fourth,tertiary,self_employed,2225.13,9,none,1,353,1,informal_lender,13164.61,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2021,urban,female,33,25-34,highest,primary,employed_formal,1105.39,10,limited,0,261,1,microfinance,7963.76,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2018,urban,female,23,18-24,fourth,none,employed_informal,390.8,6,none,1,306,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,21,18-24,middle,secondary,self_employed,366.54,1,none,1,376,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,36,35-44,lowest,secondary,farmer,17.38,7,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,32,25-34,second,none,employed_informal,138.17,1,limited,0,244,1,family_friends,5015.69,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2023,urban,female,25,18-24,middle,tertiary,farmer,431.67,6,limited,0,182,1,microfinance,6101.94,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2024,rural,female,42,35-44,fourth,primary,self_employed,287.25,5,none,0,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,40,35-44,highest,secondary,unemployed,1678.5,1,none,1,701,1,digital_lender,5500.37,none,education,1,5338.22,0.459,36,216.4,current,not_applicable,moderate_burden
South Africa,2022,urban,male,63,55+,highest,primary,employed_formal,168.21,10,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,19,18-24,lowest,secondary,self_employed,101.17,9,good,1,306,1,family_friends,2542.42,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,rural,female,26,25-34,second,secondary,employed_informal,490.9,7,none,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,urban,male,64,55+,highest,primary,self_employed,876.63,1,none,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,30,25-34,lowest,secondary,employed_informal,79.5,6,none,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,male,39,35-44,highest,primary,employed_formal,2191.24,9,none,0,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,57,55+,lowest,secondary,unemployed,62.66,2,none,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,42,35-44,lowest,tertiary,employed_informal,17.08,7,none,1,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,45,35-44,lowest,primary,self_employed,64.7,1,none,0,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,68,55+,second,none,self_employed,117.35,4,none,1,394,1,digital_lender,2820.33,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2019,rural,female,33,25-34,lowest,secondary,employed_informal,44.46,9,none,0,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,male,34,25-34,second,primary,farmer,135.95,4,good,0,297,1,family_friends,2732.11,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2019,rural,female,39,35-44,middle,primary,self_employed,171.38,8,none,0,380,1,family_friends,3569.94,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2021,rural,female,38,35-44,second,secondary,unemployed,33.19,1,good,0,813,1,digital_lender,6235.45,none,housing,1,5846.33,0.427,12,695.32,late_30_days,not_applicable,moderate_burden
Senegal,2023,urban,male,60,55+,middle,primary,farmer,347.93,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,45,35-44,fourth,secondary,self_employed,297.75,6,none,1,0,1,commercial_bank,3805.67,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2021,urban,male,32,25-34,second,primary,employed_formal,192.02,10,good,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,female,69,55+,lowest,primary,self_employed,37.21,2,none,1,671,1,commercial_bank,2063.76,savings,consumption,1,1800.38,0.149,24,86.21,paid_off,not_applicable,moderate_burden
Rwanda,2018,urban,male,44,35-44,second,secondary,unemployed,211.12,1,limited,0,31,1,informal_lender,3356.76,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2024,rural,male,52,45-54,highest,primary,unemployed,468.06,1,limited,0,800,1,informal_lender,5452.32,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2019,urban,female,20,18-24,middle,primary,farmer,103.64,7,limited,0,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,female,40,35-44,highest,primary,employed_formal,720.5,6,none,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,30,25-34,lowest,primary,self_employed,74.68,8,excellent,0,589,1,digital_lender,4714.99,none,housing,1,3829.92,0.436,24,229.16,late_30_days,not_applicable,moderate_burden
Ethiopia,2019,rural,male,32,25-34,second,primary,farmer,118.83,9,limited,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,male,40,35-44,second,primary,employed_informal,234.58,4,none,1,666,1,commercial_bank,10858.92,guarantor,housing,1,10120.35,0.189,36,334.13,paid_off,not_applicable,moderate_burden
Uganda,2025,rural,female,59,55+,middle,none,farmer,261.45,6,limited,0,345,1,family_friends,4295.23,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2019,urban,male,43,35-44,second,primary,self_employed,83.93,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,65,55+,lowest,none,employed_informal,34.15,3,good,0,615,1,family_friends,1909.79,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2018,urban,male,20,18-24,lowest,primary,self_employed,21.16,5,excellent,1,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,43,35-44,lowest,secondary,unemployed,75.48,3,none,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,19,18-24,lowest,primary,employed_informal,109.16,3,limited,0,756,1,family_friends,3496.75,savings,emergency,1,2948.85,0.016,12,249.58,current,not_applicable,moderate_burden
Kenya,2022,urban,female,25,18-24,second,none,unemployed,226.08,1,limited,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,25,18-24,middle,secondary,employed_informal,299.85,1,limited,0,121,1,family_friends,6686.74,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2023,urban,male,69,55+,second,tertiary,farmer,303.41,6,none,1,187,1,commercial_bank,7819.24,property,agriculture,1,7161.19,0.189,12,709.57,current,not_applicable,moderate_burden
South Africa,2020,rural,female,52,45-54,lowest,tertiary,unemployed,67.56,1,limited,1,602,1,commercial_bank,3288.37,savings,emergency,1,2974.3,0.148,12,284.55,current,not_applicable,moderate_burden
Rwanda,2023,rural,female,25,18-24,second,none,employed_informal,51.16,4,none,0,224,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,27,25-34,second,primary,self_employed,530.75,4,none,0,11,1,digital_lender,5718.39,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2019,rural,male,65,55+,fourth,none,employed_informal,778.66,5,none,0,388,1,family_friends,8350.39,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2018,rural,male,25,18-24,fourth,secondary,farmer,96.11,9,limited,0,538,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,36,35-44,lowest,none,self_employed,40.36,7,none,0,656,1,microfinance,3566.01,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2023,rural,female,56,55+,middle,primary,employed_informal,155.85,7,none,0,457,1,family_friends,2810.12,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2022,urban,female,19,18-24,second,secondary,employed_formal,381.08,10,none,0,183,1,microfinance,2368.72,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2019,rural,male,37,35-44,highest,secondary,employed_informal,744.57,5,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,30,25-34,middle,secondary,self_employed,276.45,2,none,0,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,male,31,25-34,middle,secondary,farmer,49.93,5,none,0,309,1,employer,3816.07,property,business,1,3446.25,0.0,24,143.6,current,not_applicable,moderate_burden
DRC,2024,rural,male,36,35-44,middle,secondary,unemployed,161.03,6,none,0,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,60,55+,highest,secondary,self_employed,1037.94,10,none,0,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,female,26,25-34,lowest,tertiary,farmer,24.5,10,none,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,35,25-34,second,tertiary,employed_informal,237.93,2,limited,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,female,23,18-24,lowest,tertiary,self_employed,151.98,9,limited,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,56,55+,highest,primary,self_employed,3533.54,4,limited,0,766,1,sacco,7972.0,savings,emergency,1,7916.89,0.306,12,861.88,paid_off,not_applicable,moderate_burden
Zambia,2018,rural,female,24,18-24,second,secondary,self_employed,188.51,6,good,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,42,35-44,lowest,none,employed_formal,79.1,4,limited,1,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,male,50,45-54,lowest,tertiary,self_employed,193.55,9,none,1,227,1,commercial_bank,2045.14,none,consumption,1,1665.34,0.18,6,327.49,current,not_applicable,moderate_burden
Niger,2024,rural,female,49,45-54,second,secondary,self_employed,122.67,4,none,0,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,female,27,25-34,lowest,tertiary,unemployed,117.5,5,excellent,0,430,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,19,18-24,second,tertiary,self_employed,173.48,1,limited,0,806,1,family_friends,5538.96,guarantor,agriculture,1,4630.62,0.026,18,263.91,current,not_applicable,moderate_burden
Ghana,2023,rural,female,59,55+,second,tertiary,employed_informal,342.91,4,none,1,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,21,18-24,middle,primary,employed_informal,396.15,5,none,0,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,29,25-34,middle,tertiary,employed_formal,355.12,10,limited,0,348,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,male,23,18-24,highest,primary,self_employed,1769.25,4,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,female,63,55+,lowest,primary,unemployed,72.09,6,none,0,0,1,family_friends,3333.59,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2024,rural,male,31,25-34,middle,secondary,employed_formal,96.97,10,limited,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,67,55+,lowest,secondary,employed_formal,74.83,4,none,1,188,1,sacco,2811.8,property,consumption,1,2650.44,0.293,24,142.75,current,not_applicable,moderate_burden
Niger,2021,urban,female,46,45-54,second,none,farmer,231.97,9,none,1,333,1,microfinance,7037.02,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2021,rural,male,67,55+,fourth,secondary,employed_formal,291.97,10,none,0,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,male,51,45-54,middle,tertiary,employed_informal,284.9,3,none,1,117,1,digital_lender,4723.8,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2023,rural,female,57,55+,lowest,secondary,farmer,92.42,9,excellent,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,male,59,55+,fourth,none,unemployed,275.1,1,none,1,0,1,microfinance,4894.63,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2024,urban,male,19,18-24,lowest,tertiary,employed_informal,83.34,9,none,0,480,1,informal_lender,10114.93,none,consumption,1,8713.08,0.828,6,2654.86,current,not_applicable,moderate_burden
Senegal,2018,urban,female,57,55+,highest,secondary,self_employed,1647.74,9,none,1,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,male,23,18-24,lowest,secondary,self_employed,14.72,8,good,0,611,1,sacco,1437.51,none,agriculture,1,1199.28,0.272,18,84.72,current,not_applicable,moderate_burden
Mali,2021,rural,female,53,45-54,lowest,tertiary,self_employed,125.55,1,excellent,0,284,1,sacco,7837.77,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2020,rural,female,50,45-54,second,secondary,self_employed,71.26,9,none,1,434,1,commercial_bank,1025.12,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2022,urban,male,20,18-24,middle,tertiary,employed_informal,138.89,4,none,1,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,34,25-34,second,secondary,employed_informal,53.36,7,none,1,734,1,informal_lender,6158.08,guarantor,consumption,1,6122.25,0.79,12,913.25,paid_off,not_applicable,moderate_burden
Niger,2025,rural,male,53,45-54,lowest,secondary,self_employed,84.42,9,excellent,0,476,1,family_friends,3329.53,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2022,rural,female,68,55+,highest,secondary,self_employed,985.11,5,good,0,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,male,38,35-44,fourth,secondary,farmer,1536.03,6,none,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,female,40,35-44,lowest,secondary,self_employed,100.79,7,none,0,493,1,employer,2919.73,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2018,rural,female,26,25-34,lowest,secondary,employed_formal,136.02,10,none,1,497,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,62,55+,fourth,primary,employed_informal,254.17,3,none,0,232,1,sacco,4768.02,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2019,urban,female,25,18-24,highest,tertiary,self_employed,1044.35,7,limited,1,372,1,digital_lender,7064.0,property,business,1,6884.89,0.468,6,1684.99,paid_off,not_applicable,moderate_burden
Malawi,2019,rural,female,51,45-54,lowest,primary,self_employed,113.97,7,limited,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,female,63,55+,fourth,tertiary,employed_informal,487.64,7,none,1,292,1,microfinance,6698.08,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,urban,female,57,55+,lowest,secondary,unemployed,306.75,3,limited,1,470,1,informal_lender,3831.06,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2020,rural,female,52,45-54,second,secondary,employed_formal,103.95,10,good,0,566,1,digital_lender,3949.78,equipment,business,1,3859.69,0.426,12,458.75,current,not_applicable,moderate_burden
Uganda,2022,rural,male,57,55+,lowest,secondary,farmer,88.85,2,none,1,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,male,53,45-54,highest,tertiary,farmer,886.71,2,excellent,0,727,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,male,48,45-54,middle,secondary,employed_informal,153.59,5,good,1,602,1,commercial_bank,9061.78,savings,business,1,8536.93,0.2,24,426.77,current,not_applicable,moderate_burden
Mozambique,2020,rural,female,18,18-24,highest,primary,employed_formal,1087.18,7,none,0,111,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,43,35-44,second,secondary,employed_informal,74.87,4,none,0,162,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,24,18-24,second,primary,employed_formal,152.79,10,none,0,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,female,43,35-44,fourth,primary,self_employed,467.11,5,limited,0,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,59,55+,lowest,primary,employed_formal,79.28,6,none,0,445,1,informal_lender,1950.92,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2025,urban,female,49,45-54,lowest,primary,employed_informal,49.88,8,good,0,316,1,family_friends,1496.14,vehicle,housing,1,1241.23,0.007,24,52.09,current,not_applicable,moderate_burden
DRC,2022,urban,male,49,45-54,highest,tertiary,farmer,400.76,3,none,0,633,1,employer,5593.37,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2021,rural,female,48,45-54,highest,primary,self_employed,1104.72,7,none,1,140,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,28,25-34,highest,none,employed_formal,1437.45,10,limited,1,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,female,47,45-54,fourth,tertiary,employed_informal,271.89,8,none,0,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,male,37,35-44,second,secondary,employed_formal,104.0,7,none,1,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,68,55+,fourth,none,unemployed,560.4,1,none,1,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,female,20,18-24,lowest,primary,employed_formal,88.94,9,none,1,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,34,25-34,second,secondary,employed_formal,184.61,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,53,45-54,highest,none,farmer,460.94,3,none,0,14,1,informal_lender,1184.94,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2021,rural,female,31,25-34,second,tertiary,employed_informal,205.4,3,none,0,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,22,18-24,middle,none,employed_formal,87.05,10,none,1,68,1,family_friends,2318.02,guarantor,education,1,1866.92,0.069,18,110.87,late_30_days,not_applicable,moderate_burden
Malawi,2021,urban,female,30,25-34,second,primary,unemployed,101.72,1,none,0,382,1,family_friends,3589.07,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2022,rural,male,20,18-24,middle,secondary,employed_informal,245.99,2,limited,1,168,1,commercial_bank,3406.77,guarantor,housing,1,2833.04,0.135,12,267.92,current,not_applicable,moderate_burden
Niger,2024,rural,female,28,25-34,second,secondary,farmer,81.65,2,limited,1,603,1,commercial_bank,2174.52,guarantor,asset_purchase,1,1751.26,0.212,24,88.43,late_30_days,not_applicable,moderate_burden
Rwanda,2025,rural,male,62,55+,lowest,secondary,self_employed,41.0,4,limited,1,208,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,62,55+,middle,secondary,self_employed,113.83,4,good,0,678,1,family_friends,2728.39,none,business,1,2546.5,0.005,12,213.35,late_30_days,not_applicable,moderate_burden
Uganda,2021,rural,male,31,25-34,middle,tertiary,farmer,457.06,6,limited,1,824,1,commercial_bank,10092.37,none,business,1,9373.54,0.159,12,905.67,defaulted,not_applicable,moderate_burden
Uganda,2021,rural,male,66,55+,middle,primary,employed_informal,129.64,8,none,0,435,1,informal_lender,2148.43,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2021,urban,female,20,18-24,lowest,secondary,farmer,72.2,8,excellent,0,230,1,family_friends,4529.87,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2025,rural,male,62,55+,middle,primary,employed_informal,137.26,10,none,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,35,25-34,fourth,primary,unemployed,859.21,1,limited,1,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,female,27,25-34,middle,primary,employed_informal,976.57,9,none,1,278,1,informal_lender,5183.62,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2021,urban,male,48,45-54,middle,primary,unemployed,399.67,6,limited,1,646,1,microfinance,3501.41,none,business,1,2891.05,0.365,12,328.9,late_30_days,not_applicable,moderate_burden
Ethiopia,2019,urban,male,69,55+,fourth,tertiary,employed_informal,997.52,7,limited,1,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,37,35-44,middle,secondary,employed_informal,153.56,4,none,0,52,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,31,25-34,fourth,tertiary,self_employed,523.34,1,none,1,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,female,61,55+,second,secondary,self_employed,231.72,9,excellent,0,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,60,55+,lowest,primary,employed_informal,38.44,1,none,0,587,1,microfinance,1318.75,none,business,1,1219.18,0.331,18,90.12,paid_off,not_applicable,moderate_burden
Kenya,2020,rural,male,19,18-24,lowest,secondary,employed_formal,40.94,6,none,1,416,1,microfinance,4246.71,savings,business,1,3697.55,0.308,24,201.57,current,not_applicable,moderate_burden
Mali,2020,urban,male,23,18-24,middle,primary,employed_formal,309.93,6,good,1,268,1,commercial_bank,14865.93,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2019,rural,male,48,45-54,lowest,secondary,self_employed,415.01,5,limited,1,295,1,commercial_bank,12649.11,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2025,urban,female,31,25-34,second,secondary,self_employed,447.46,3,good,1,334,1,microfinance,7046.63,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2018,urban,female,24,18-24,fourth,primary,unemployed,297.91,1,limited,1,810,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,34,25-34,fourth,primary,employed_formal,202.99,8,good,0,514,1,digital_lender,9759.74,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2025,urban,female,40,35-44,fourth,secondary,employed_informal,620.53,10,limited,1,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,female,65,55+,middle,none,farmer,126.88,1,excellent,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,46,45-54,second,none,self_employed,49.75,4,limited,1,377,1,family_friends,1665.59,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2025,rural,male,47,45-54,highest,secondary,self_employed,611.07,4,limited,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,39,35-44,fourth,secondary,employed_formal,471.47,4,none,1,69,1,commercial_bank,10902.28,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2019,urban,male,54,45-54,second,secondary,farmer,103.07,4,good,0,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,59,55+,lowest,secondary,employed_informal,63.35,1,none,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,male,21,18-24,lowest,tertiary,farmer,55.58,4,none,0,324,1,family_friends,1983.06,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2024,urban,female,57,55+,highest,secondary,farmer,1369.93,6,limited,0,819,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,66,55+,middle,primary,self_employed,220.69,9,none,0,172,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,62,55+,lowest,secondary,farmer,1544.36,4,none,0,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,female,19,18-24,highest,secondary,unemployed,649.42,5,none,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,male,35,25-34,middle,secondary,self_employed,694.01,8,none,0,434,1,informal_lender,13020.45,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2025,rural,female,51,45-54,lowest,none,farmer,102.52,1,limited,1,230,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,male,21,18-24,lowest,none,employed_formal,75.97,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,male,66,55+,highest,secondary,self_employed,562.51,9,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,38,35-44,lowest,primary,employed_informal,70.17,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,60,55+,second,primary,farmer,131.54,10,limited,0,509,1,informal_lender,4251.88,none,agriculture,1,3931.78,0.79,12,586.49,paid_off,not_applicable,moderate_burden
Zambia,2021,urban,female,28,25-34,lowest,tertiary,self_employed,77.47,1,limited,0,782,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,58,55+,fourth,none,farmer,1262.39,4,none,0,330,1,family_friends,8031.37,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2021,rural,male,61,55+,lowest,secondary,self_employed,98.13,1,limited,1,698,1,informal_lender,10830.84,none,agriculture,1,9922.62,0.787,12,1477.37,current,not_applicable,moderate_burden
DRC,2018,urban,female,46,45-54,second,none,unemployed,288.6,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,45,35-44,lowest,primary,unemployed,82.57,1,excellent,1,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,65,55+,fourth,secondary,self_employed,561.38,10,limited,0,827,1,employer,9206.35,savings,business,1,8582.87,0.036,6,1481.67,paid_off,not_applicable,moderate_burden
Ethiopia,2023,rural,female,24,18-24,highest,primary,self_employed,1483.35,7,good,1,329,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,44,35-44,lowest,none,unemployed,107.52,4,none,0,496,1,microfinance,6189.47,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,rural,female,64,55+,fourth,tertiary,employed_informal,202.3,5,good,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,68,55+,fourth,secondary,farmer,56.09,1,limited,1,114,1,family_friends,3056.91,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2019,urban,female,60,55+,second,tertiary,self_employed,718.45,6,none,1,482,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,50,45-54,second,tertiary,employed_informal,118.45,1,limited,1,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,female,32,25-34,second,secondary,employed_informal,137.1,8,none,1,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,female,44,35-44,middle,primary,employed_formal,283.21,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,59,55+,middle,primary,employed_informal,164.86,1,limited,0,530,1,informal_lender,2870.52,guarantor,business,1,2758.55,0.784,24,205.0,defaulted,not_applicable,moderate_burden
Malawi,2018,rural,female,21,18-24,fourth,none,employed_informal,531.57,3,limited,1,195,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,male,35,25-34,middle,none,self_employed,231.59,9,good,0,305,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,38,35-44,fourth,primary,employed_informal,503.35,3,none,1,307,1,microfinance,11840.32,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,urban,male,69,55+,middle,primary,unemployed,613.66,1,limited,0,18,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,female,26,25-34,fourth,secondary,self_employed,600.41,8,none,1,0,1,sacco,10719.49,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2019,rural,male,49,45-54,second,primary,self_employed,27.09,5,none,0,220,1,employer,2795.91,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2022,rural,male,31,25-34,highest,tertiary,self_employed,635.23,10,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,28,25-34,second,secondary,self_employed,434.03,3,none,1,201,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,51,45-54,lowest,primary,self_employed,42.09,9,limited,0,177,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,48,45-54,second,secondary,self_employed,1116.41,3,good,1,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,female,69,55+,lowest,tertiary,employed_formal,34.98,7,limited,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,58,55+,lowest,secondary,farmer,164.78,2,good,1,517,1,commercial_bank,6379.02,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2024,rural,female,25,18-24,fourth,primary,employed_formal,540.74,10,none,0,196,1,informal_lender,3665.04,savings,business,1,3153.99,0.785,6,938.1,late_60_days,not_applicable,moderate_burden
DRC,2019,rural,male,62,55+,middle,none,self_employed,120.44,6,none,0,417,1,family_friends,1878.37,guarantor,business,1,1758.08,0.029,6,301.37,late_60_days,not_applicable,moderate_burden
Ethiopia,2025,rural,female,37,35-44,fourth,tertiary,unemployed,306.56,1,none,1,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,male,43,35-44,middle,secondary,self_employed,770.76,5,none,1,702,1,sacco,6529.93,savings,housing,1,6012.0,0.355,18,452.7,late_30_days,not_applicable,moderate_burden
Tanzania,2025,urban,male,63,55+,lowest,tertiary,employed_informal,153.94,2,none,0,0,1,sacco,6988.63,property,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2025,urban,female,47,45-54,highest,primary,unemployed,4496.53,6,limited,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,male,35,25-34,lowest,primary,employed_informal,61.01,2,none,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,69,55+,fourth,secondary,farmer,474.22,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,49,45-54,lowest,secondary,employed_formal,33.73,4,limited,0,435,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,50,45-54,lowest,primary,employed_formal,10.22,5,none,0,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,24,18-24,middle,secondary,employed_formal,898.0,8,excellent,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,male,22,18-24,second,secondary,unemployed,76.8,1,good,1,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,male,51,45-54,second,none,employed_formal,243.72,10,limited,0,523,1,microfinance,3377.13,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2019,urban,male,29,25-34,fourth,secondary,employed_informal,509.44,8,none,1,388,1,sacco,4720.95,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2022,urban,male,68,55+,lowest,none,unemployed,218.61,4,limited,1,820,1,microfinance,8944.98,none,emergency,1,8010.29,0.272,36,282.97,current,not_applicable,moderate_burden
DRC,2023,urban,male,51,45-54,second,secondary,unemployed,238.3,1,excellent,0,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,68,55+,fourth,primary,employed_informal,354.2,5,limited,0,712,1,family_friends,3460.88,savings,agriculture,1,3366.69,0.068,6,599.19,late_60_days,not_applicable,moderate_burden
Uganda,2023,rural,female,26,25-34,highest,secondary,employed_informal,612.68,5,none,0,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,urban,male,66,55+,lowest,primary,employed_informal,24.0,6,good,0,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,34,25-34,middle,tertiary,employed_informal,137.46,6,limited,0,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,25,18-24,highest,primary,self_employed,244.72,4,excellent,0,786,1,family_friends,5482.31,none,education,1,5297.1,0.001,18,294.51,paid_off,not_applicable,moderate_burden
Nigeria,2021,rural,female,23,18-24,second,tertiary,employed_informal,128.66,10,none,1,0,1,microfinance,3169.75,none,consumption,1,3079.72,0.284,12,329.45,late_60_days,not_applicable,moderate_burden
South Africa,2023,rural,female,63,55+,middle,none,self_employed,132.63,10,excellent,0,850,1,microfinance,3265.2,none,consumption,1,3186.25,0.355,6,719.31,current,not_applicable,moderate_burden
Mali,2020,rural,female,54,45-54,fourth,secondary,farmer,70.31,1,limited,0,444,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,20,18-24,second,secondary,unemployed,37.5,4,excellent,0,420,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,67,55+,fourth,tertiary,employed_informal,135.3,1,none,0,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,male,20,18-24,second,secondary,self_employed,38.29,5,good,0,472,1,commercial_bank,1179.46,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2023,urban,female,20,18-24,highest,secondary,farmer,1311.02,10,none,1,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,50,45-54,middle,primary,farmer,230.56,8,good,1,557,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,36,35-44,highest,primary,self_employed,637.63,10,good,0,850,1,employer,12521.42,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2021,urban,female,31,25-34,second,secondary,employed_formal,160.94,10,none,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,female,21,18-24,lowest,secondary,self_employed,31.33,6,limited,0,801,1,family_friends,7497.81,property,consumption,1,6905.97,0.055,6,1214.39,current,not_applicable,moderate_burden
Kenya,2021,rural,female,32,25-34,second,secondary,farmer,147.41,2,none,1,110,1,sacco,1717.1,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2020,urban,male,40,35-44,highest,primary,self_employed,2136.23,3,good,1,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,female,68,55+,second,none,unemployed,677.58,4,good,0,840,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,female,20,18-24,highest,none,farmer,676.05,5,none,0,232,1,family_friends,6193.79,property,business,1,5797.93,0.095,6,1058.07,current,not_applicable,moderate_burden
Malawi,2018,rural,female,49,45-54,second,secondary,farmer,100.08,6,none,0,0,1,family_friends,2031.62,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2023,rural,female,64,55+,middle,tertiary,self_employed,107.74,2,none,0,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,66,55+,highest,secondary,unemployed,209.47,6,limited,1,850,1,commercial_bank,3157.72,savings,consumption,1,2653.65,0.214,18,178.93,defaulted,not_applicable,moderate_burden
Tanzania,2018,rural,male,19,18-24,second,none,farmer,108.84,1,limited,0,802,1,microfinance,2946.97,none,housing,1,2550.71,0.333,12,283.4,current,not_applicable,moderate_burden
Zambia,2019,urban,male,60,55+,middle,primary,employed_informal,231.14,10,good,0,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,62,55+,middle,secondary,self_employed,928.16,2,none,0,294,1,commercial_bank,4755.3,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2018,rural,male,51,45-54,middle,secondary,employed_informal,126.58,1,limited,0,253,1,informal_lender,3877.32,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,urban,female,27,25-34,highest,primary,farmer,1200.89,6,good,0,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,52,45-54,middle,secondary,self_employed,325.69,2,none,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,58,55+,middle,tertiary,employed_informal,209.46,7,none,1,632,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,male,56,55+,second,tertiary,employed_informal,149.09,2,none,1,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,39,35-44,lowest,secondary,self_employed,20.16,3,none,0,617,1,commercial_bank,1320.09,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2024,rural,male,46,45-54,middle,tertiary,employed_informal,317.94,10,none,0,288,1,informal_lender,7058.62,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2019,rural,male,23,18-24,second,none,employed_informal,285.13,3,none,0,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,male,22,18-24,highest,primary,unemployed,540.45,1,none,1,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,female,47,45-54,fourth,secondary,self_employed,597.98,1,none,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,29,25-34,fourth,tertiary,farmer,289.61,8,none,1,590,1,family_friends,3406.56,guarantor,agriculture,1,3259.59,0.062,24,144.17,defaulted,not_applicable,moderate_burden
Uganda,2023,urban,male,37,35-44,lowest,none,unemployed,238.52,1,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,male,18,18-24,middle,none,unemployed,323.75,6,none,1,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,30,25-34,lowest,primary,self_employed,117.53,6,good,1,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,63,55+,fourth,secondary,unemployed,313.31,2,limited,1,766,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,26,25-34,highest,primary,employed_formal,1133.85,10,none,0,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,61,55+,second,secondary,farmer,224.54,2,limited,1,379,1,commercial_bank,3299.11,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2023,rural,female,26,25-34,lowest,secondary,employed_informal,72.09,5,none,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,61,55+,fourth,tertiary,employed_informal,672.22,9,none,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,50,45-54,middle,none,unemployed,175.2,1,limited,1,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,24,18-24,middle,tertiary,self_employed,134.7,3,limited,1,723,1,digital_lender,5642.37,guarantor,housing,1,4906.04,0.487,6,1215.57,current,not_applicable,moderate_burden
Ethiopia,2024,urban,male,19,18-24,lowest,primary,farmer,145.12,5,none,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,34,25-34,highest,primary,unemployed,557.02,1,none,0,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,21,18-24,fourth,primary,unemployed,322.63,1,good,1,478,1,informal_lender,1301.72,none,business,1,1111.01,0.818,18,112.19,current,not_applicable,moderate_burden
Mozambique,2024,urban,female,34,25-34,highest,none,employed_formal,392.92,10,good,1,850,1,commercial_bank,8589.75,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2022,urban,female,43,35-44,fourth,tertiary,farmer,316.16,7,none,0,144,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,25,18-24,second,secondary,unemployed,68.35,1,none,0,449,1,microfinance,1103.35,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2022,rural,male,59,55+,highest,secondary,self_employed,182.83,10,none,0,549,1,microfinance,2284.68,none,consumption,1,1846.47,0.351,18,138.62,paid_off,not_applicable,moderate_burden
Rwanda,2024,rural,female,38,35-44,lowest,secondary,self_employed,110.64,3,limited,0,290,1,microfinance,5181.11,none,business,1,4511.71,0.282,6,963.82,paid_off,not_applicable,moderate_burden
Senegal,2024,urban,male,30,25-34,highest,secondary,self_employed,502.11,1,limited,0,291,1,microfinance,6861.83,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2020,rural,male,67,55+,lowest,primary,self_employed,81.89,1,none,0,280,1,microfinance,5944.25,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2019,rural,female,53,45-54,lowest,secondary,farmer,74.04,2,none,1,686,1,informal_lender,3789.09,savings,business,1,3523.66,0.822,6,1069.96,current,not_applicable,moderate_burden
South Africa,2024,urban,male,41,35-44,highest,primary,farmer,727.3,5,none,0,154,1,microfinance,10695.03,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2022,urban,male,26,25-34,highest,tertiary,self_employed,1953.87,1,limited,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,18,18-24,fourth,secondary,unemployed,475.56,2,good,1,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,51,45-54,second,primary,farmer,71.35,8,limited,1,62,1,microfinance,2075.79,guarantor,business,1,1880.77,0.359,18,142.04,late_30_days,not_applicable,moderate_burden
Ethiopia,2019,urban,female,44,35-44,lowest,none,self_employed,43.91,9,none,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,male,45,35-44,lowest,primary,employed_informal,40.13,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,34,25-34,middle,primary,employed_informal,233.84,5,limited,1,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,urban,female,69,55+,lowest,none,employed_formal,48.07,10,none,1,270,1,microfinance,6466.31,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2018,rural,male,61,55+,middle,secondary,employed_informal,120.76,8,good,1,176,1,microfinance,2427.96,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2022,rural,female,52,45-54,lowest,tertiary,farmer,59.82,4,excellent,1,850,1,microfinance,5994.31,property,business,1,5760.28,0.349,12,647.57,paid_off,not_applicable,moderate_burden
Rwanda,2020,rural,male,53,45-54,second,tertiary,unemployed,651.18,1,limited,1,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,23,18-24,middle,tertiary,self_employed,116.93,3,limited,0,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,40,35-44,highest,secondary,farmer,554.01,2,none,1,664,1,family_friends,4673.35,none,consumption,1,3810.12,0.005,6,637.89,current,not_applicable,moderate_burden
Zambia,2023,urban,male,25,18-24,lowest,primary,farmer,33.09,6,none,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,female,45,35-44,lowest,secondary,unemployed,60.96,6,excellent,1,741,1,commercial_bank,1575.57,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2018,urban,male,33,25-34,fourth,secondary,self_employed,247.81,10,excellent,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,female,24,18-24,middle,primary,self_employed,48.28,7,good,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,23,18-24,lowest,tertiary,farmer,18.27,1,limited,1,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,61,55+,fourth,tertiary,farmer,640.14,6,limited,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,57,55+,lowest,primary,employed_informal,91.08,10,limited,0,789,1,commercial_bank,2356.42,none,agriculture,1,2345.78,0.184,18,154.36,late_60_days,not_applicable,moderate_burden
Malawi,2021,rural,male,34,25-34,middle,secondary,self_employed,469.01,2,excellent,1,682,1,commercial_bank,23790.82,none,housing,1,22948.84,0.209,12,2311.45,defaulted,not_applicable,moderate_burden
Kenya,2025,rural,male,34,25-34,middle,none,employed_formal,117.99,9,none,1,405,1,commercial_bank,3329.81,guarantor,education,1,3164.52,0.158,36,101.8,current,not_applicable,moderate_burden
Malawi,2018,rural,male,35,25-34,lowest,primary,farmer,40.11,8,none,0,562,1,family_friends,3416.75,none,consumption,1,3280.07,0.064,18,193.98,defaulted,not_applicable,moderate_burden
Senegal,2022,rural,female,57,55+,middle,none,self_employed,172.57,1,limited,0,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,55,45-54,fourth,primary,farmer,226.54,7,none,1,426,1,digital_lender,2483.08,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2020,rural,male,29,25-34,highest,primary,employed_informal,1061.94,8,none,1,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,19,18-24,middle,secondary,self_employed,332.66,5,limited,1,691,1,digital_lender,3152.01,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2023,rural,male,65,55+,fourth,none,self_employed,263.29,7,good,0,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,69,55+,fourth,primary,employed_informal,2183.53,4,none,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,44,35-44,second,primary,self_employed,246.91,2,good,0,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,21,18-24,middle,secondary,self_employed,376.71,8,excellent,1,838,1,microfinance,22238.05,savings,education,1,20096.09,0.364,6,4569.83,current,not_applicable,moderate_burden
Uganda,2023,rural,male,69,55+,highest,secondary,unemployed,623.31,6,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,46,45-54,lowest,primary,employed_informal,88.88,8,none,1,625,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,25,18-24,lowest,tertiary,unemployed,36.09,1,none,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,45,35-44,fourth,primary,self_employed,185.67,7,none,1,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,53,45-54,fourth,none,employed_informal,808.94,9,limited,0,121,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,male,22,18-24,middle,secondary,employed_informal,457.76,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,48,45-54,middle,tertiary,farmer,396.31,3,limited,1,322,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,male,38,35-44,lowest,secondary,self_employed,122.12,9,limited,0,602,1,family_friends,9591.03,savings,asset_purchase,1,9414.25,0.081,48,212.05,current,not_applicable,moderate_burden
Rwanda,2018,urban,female,50,45-54,middle,none,farmer,571.04,6,good,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,18,18-24,second,secondary,employed_informal,77.64,9,good,0,299,1,microfinance,6199.33,property,business,1,5279.08,0.314,12,578.07,paid_off,not_applicable,moderate_burden
Ethiopia,2020,urban,male,63,55+,lowest,primary,self_employed,42.95,3,limited,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,59,55+,middle,secondary,employed_informal,132.26,4,none,0,47,1,informal_lender,2152.73,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2019,urban,male,45,35-44,second,primary,employed_formal,453.53,10,limited,0,407,1,informal_lender,6627.72,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2022,rural,male,42,35-44,highest,none,unemployed,933.97,2,none,0,843,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,male,46,45-54,second,primary,employed_informal,110.81,2,good,0,171,1,informal_lender,3965.11,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2022,urban,female,54,45-54,fourth,none,self_employed,284.25,3,limited,0,826,1,family_friends,6832.32,none,emergency,1,6373.86,0.025,12,544.47,current,not_applicable,moderate_burden
Nigeria,2021,urban,female,19,18-24,fourth,secondary,unemployed,479.43,1,none,1,0,1,employer,2753.88,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2024,rural,male,44,35-44,middle,primary,unemployed,220.78,2,excellent,0,451,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,female,28,25-34,fourth,secondary,self_employed,88.88,3,limited,0,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,22,18-24,lowest,tertiary,farmer,34.62,1,good,0,279,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,62,55+,highest,secondary,self_employed,446.14,5,none,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,male,68,55+,middle,secondary,employed_informal,153.36,3,limited,0,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,60,55+,fourth,primary,farmer,463.74,6,limited,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,67,55+,highest,secondary,farmer,368.31,9,none,0,244,1,microfinance,2804.63,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2024,rural,male,45,35-44,second,secondary,unemployed,69.07,1,limited,0,693,1,family_friends,3499.25,vehicle,business,1,3061.61,0.075,24,137.19,current,not_applicable,moderate_burden
Zambia,2025,rural,male,50,45-54,second,primary,self_employed,188.01,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,male,22,18-24,second,none,self_employed,350.13,3,none,1,37,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,20,18-24,middle,tertiary,farmer,189.97,5,good,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,male,61,55+,middle,secondary,employed_formal,142.8,9,good,0,553,1,informal_lender,1404.55,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2025,urban,female,44,35-44,lowest,primary,unemployed,48.09,2,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,41,35-44,middle,none,self_employed,275.78,7,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,34,25-34,lowest,primary,unemployed,254.23,4,limited,0,352,1,commercial_bank,4748.91,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2022,rural,female,19,18-24,second,none,employed_informal,366.13,10,limited,0,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,27,25-34,second,secondary,employed_informal,76.97,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,male,51,45-54,fourth,primary,employed_informal,317.19,6,none,1,144,1,digital_lender,2150.88,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2020,urban,male,66,55+,lowest,primary,employed_informal,32.51,10,limited,1,455,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,68,55+,middle,primary,unemployed,332.59,6,excellent,0,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,49,45-54,highest,secondary,self_employed,1998.24,2,none,1,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,54,45-54,fourth,primary,self_employed,401.96,1,none,1,0,1,sacco,4284.88,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2021,urban,male,68,55+,second,primary,unemployed,196.21,3,limited,0,769,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,54,45-54,middle,primary,farmer,90.37,10,excellent,0,214,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,50,45-54,second,tertiary,unemployed,125.23,4,excellent,1,537,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,male,30,25-34,fourth,primary,unemployed,549.96,1,limited,0,277,1,informal_lender,7578.36,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2020,urban,male,52,45-54,second,primary,self_employed,243.91,10,limited,0,619,1,informal_lender,6765.48,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2021,urban,male,34,25-34,middle,primary,employed_informal,470.04,9,limited,0,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,67,55+,lowest,secondary,self_employed,29.07,8,none,0,304,1,family_friends,2444.14,property,agriculture,1,2257.39,0.084,36,68.0,current,not_applicable,moderate_burden
Ethiopia,2020,urban,female,20,18-24,middle,none,farmer,897.04,4,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,66,55+,fourth,primary,farmer,495.57,2,limited,0,606,1,microfinance,6436.52,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2019,rural,female,42,35-44,second,secondary,farmer,114.24,6,good,0,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,54,45-54,lowest,secondary,farmer,52.93,1,good,0,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,female,64,55+,lowest,tertiary,farmer,71.62,1,limited,1,725,1,digital_lender,2233.33,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2023,rural,male,51,45-54,lowest,secondary,farmer,23.55,3,good,0,470,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,40,35-44,middle,tertiary,self_employed,93.09,7,none,1,651,1,microfinance,4007.84,none,business,1,3704.14,0.307,48,100.83,paid_off,not_applicable,moderate_burden
Tanzania,2022,rural,male,65,55+,fourth,none,employed_informal,720.38,3,none,1,206,1,informal_lender,5678.87,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2021,rural,male,24,18-24,fourth,none,farmer,287.26,1,excellent,0,319,1,employer,4906.97,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2019,rural,male,57,55+,lowest,primary,employed_informal,98.2,7,none,1,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,20,18-24,middle,primary,self_employed,434.11,3,limited,1,181,1,commercial_bank,15305.41,property,asset_purchase,1,14018.43,0.164,6,2718.58,defaulted,not_applicable,moderate_burden
Rwanda,2024,urban,male,51,45-54,fourth,tertiary,farmer,161.11,8,none,1,650,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,31,25-34,lowest,secondary,farmer,63.27,10,limited,0,563,1,family_friends,2133.43,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2019,rural,female,46,45-54,middle,secondary,employed_informal,176.16,8,limited,0,74,1,informal_lender,3357.32,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2025,rural,female,26,25-34,middle,primary,employed_formal,388.73,10,none,1,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,64,55+,second,primary,employed_formal,82.85,9,good,1,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,urban,male,25,18-24,lowest,primary,unemployed,92.48,1,limited,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,47,45-54,lowest,secondary,unemployed,105.28,1,none,0,364,1,informal_lender,1661.19,guarantor,consumption,1,1389.05,0.813,6,419.84,paid_off,not_applicable,moderate_burden
Ghana,2023,rural,female,37,35-44,lowest,secondary,employed_informal,104.88,5,limited,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,59,55+,second,tertiary,self_employed,68.52,5,excellent,1,582,1,microfinance,1042.99,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2023,rural,female,64,55+,lowest,primary,farmer,24.93,6,limited,0,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,21,18-24,middle,tertiary,employed_informal,863.63,2,limited,1,536,1,family_friends,6074.91,guarantor,education,1,5230.27,0.018,24,221.82,current,not_applicable,moderate_burden
Ghana,2022,rural,male,41,35-44,second,primary,unemployed,89.58,4,none,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,44,35-44,fourth,primary,unemployed,545.62,5,none,0,280,1,microfinance,8337.01,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2022,rural,male,53,45-54,lowest,secondary,farmer,21.77,7,limited,0,77,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,male,34,25-34,fourth,secondary,employed_formal,276.73,5,none,1,186,1,commercial_bank,6925.99,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2025,rural,female,28,25-34,fourth,none,self_employed,185.95,9,none,1,750,1,digital_lender,3090.96,none,business,1,2869.86,0.433,12,342.77,defaulted,not_applicable,moderate_burden
Malawi,2023,rural,female,37,35-44,fourth,secondary,unemployed,412.3,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,68,55+,middle,none,self_employed,201.57,1,excellent,1,633,1,microfinance,3153.0,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2018,rural,male,55,45-54,middle,secondary,unemployed,149.76,1,none,1,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,64,55+,lowest,none,self_employed,123.37,5,excellent,1,670,1,digital_lender,7604.21,savings,business,1,7254.11,0.411,18,568.6,current,not_applicable,moderate_burden
Niger,2020,urban,female,28,25-34,fourth,secondary,employed_informal,610.41,8,none,0,499,1,family_friends,6755.62,property,consumption,1,5498.38,0.011,6,926.3,late_30_days,not_applicable,moderate_burden
South Africa,2019,rural,female,69,55+,lowest,secondary,employed_formal,143.65,10,none,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,male,56,55+,fourth,none,farmer,111.54,5,none,1,207,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,male,37,35-44,second,primary,self_employed,39.16,8,limited,0,810,1,informal_lender,1231.72,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,rural,female,43,35-44,middle,none,self_employed,174.47,5,none,1,607,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,male,24,18-24,middle,primary,farmer,192.77,8,excellent,0,785,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,69,55+,fourth,tertiary,self_employed,103.64,1,good,0,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,male,32,25-34,second,none,employed_informal,63.94,8,none,0,139,1,family_friends,4763.78,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2025,urban,female,68,55+,fourth,primary,self_employed,644.45,3,none,1,495,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,56,55+,second,secondary,self_employed,95.46,6,limited,1,667,1,family_friends,4077.31,vehicle,business,1,3718.65,0.029,24,159.39,current,not_applicable,moderate_burden
Ethiopia,2025,rural,female,57,55+,middle,secondary,self_employed,431.97,1,limited,0,745,1,sacco,9727.79,equipment,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Zambia,2025,urban,female,66,55+,fourth,primary,self_employed,914.58,9,good,1,223,1,commercial_bank,5039.31,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2024,rural,female,54,45-54,second,tertiary,unemployed,227.79,1,limited,0,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,40,35-44,fourth,secondary,unemployed,323.77,1,limited,1,631,1,sacco,2874.84,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2019,rural,male,68,55+,lowest,none,employed_informal,75.0,1,limited,0,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,40,35-44,second,none,farmer,191.89,5,limited,0,185,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,67,55+,highest,secondary,self_employed,352.59,3,good,1,481,1,commercial_bank,4233.08,none,business,1,4183.91,0.212,12,422.44,late_30_days,not_applicable,moderate_burden
Tanzania,2018,rural,male,63,55+,lowest,secondary,employed_informal,144.33,7,none,0,316,1,sacco,1740.21,equipment,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2019,rural,female,41,35-44,lowest,tertiary,farmer,16.42,3,none,1,0,1,digital_lender,941.47,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2025,rural,female,67,55+,middle,secondary,employed_formal,390.01,4,good,1,696,1,commercial_bank,5102.95,none,agriculture,1,4923.76,0.177,6,965.78,late_30_days,not_applicable,moderate_burden
DRC,2021,urban,male,55,45-54,second,primary,employed_informal,132.0,10,none,0,53,1,digital_lender,2317.67,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2018,urban,male,69,55+,middle,none,employed_informal,286.16,5,limited,1,427,1,commercial_bank,2517.87,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2022,urban,male,67,55+,lowest,secondary,unemployed,47.88,2,limited,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,55,45-54,highest,primary,farmer,749.2,2,good,1,818,1,commercial_bank,4608.03,guarantor,agriculture,1,4370.15,0.143,6,832.21,late_30_days,not_applicable,moderate_burden
Mali,2024,urban,male,69,55+,second,secondary,farmer,42.58,2,limited,0,763,1,microfinance,4516.07,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2022,rural,male,27,25-34,middle,tertiary,farmer,227.87,10,limited,1,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,45,35-44,middle,secondary,unemployed,79.07,1,limited,1,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,female,66,55+,highest,none,employed_informal,656.66,3,none,0,173,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,61,55+,lowest,secondary,employed_informal,126.28,5,limited,1,524,1,sacco,2393.9,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2025,rural,male,28,25-34,middle,secondary,self_employed,345.64,4,none,0,110,1,commercial_bank,6287.69,savings,agriculture,1,5521.31,0.216,18,372.92,current,not_applicable,moderate_burden
Tanzania,2024,urban,female,24,18-24,fourth,secondary,farmer,669.63,10,limited,0,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,24,18-24,lowest,none,employed_informal,90.77,8,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,41,35-44,middle,tertiary,unemployed,589.3,3,good,1,680,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,female,26,25-34,second,primary,employed_informal,146.73,3,limited,1,48,1,commercial_bank,16423.82,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2023,rural,female,59,55+,middle,secondary,farmer,233.9,5,limited,0,802,1,digital_lender,5346.87,equipment,housing,1,5222.06,0.434,24,312.1,current,not_applicable,moderate_burden
Ghana,2022,rural,male,23,18-24,fourth,secondary,self_employed,94.06,6,none,0,618,1,microfinance,6553.78,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2022,rural,female,46,45-54,middle,none,employed_informal,365.97,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,male,24,18-24,lowest,primary,employed_formal,103.26,10,none,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,43,35-44,middle,secondary,unemployed,152.14,3,none,1,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,female,28,25-34,middle,primary,self_employed,247.45,1,excellent,0,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,31,25-34,middle,primary,employed_informal,348.07,3,none,1,10,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,68,55+,second,none,self_employed,114.91,10,none,0,685,1,family_friends,3569.6,none,business,1,3342.51,0.054,6,586.9,late_60_days,not_applicable,moderate_burden
Niger,2024,rural,female,55,45-54,middle,secondary,employed_informal,312.27,3,good,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,urban,female,46,45-54,second,primary,employed_formal,207.71,8,none,0,235,1,microfinance,5489.67,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2024,rural,male,21,18-24,fourth,tertiary,self_employed,312.72,5,none,0,581,1,family_friends,3884.95,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2025,rural,male,46,45-54,middle,tertiary,unemployed,226.15,5,excellent,1,850,1,sacco,6260.31,none,business,1,5888.12,0.358,18,444.21,late_30_days,not_applicable,moderate_burden
Kenya,2023,rural,male,27,25-34,second,tertiary,unemployed,179.04,1,none,1,607,1,commercial_bank,4966.35,guarantor,debt_consolidation,1,4349.53,0.157,12,419.5,current,not_applicable,moderate_burden
Mozambique,2022,urban,male,35,25-34,highest,secondary,self_employed,518.84,8,none,0,767,1,family_friends,2683.33,none,business,1,2586.98,0.072,6,462.16,late_30_days,not_applicable,moderate_burden
Rwanda,2020,rural,male,29,25-34,second,secondary,farmer,473.67,10,none,0,293,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,28,25-34,fourth,secondary,farmer,486.28,2,limited,0,476,1,sacco,6972.66,equipment,consumption,1,5954.23,0.28,12,634.94,late_30_days,not_applicable,moderate_burden
Nigeria,2024,urban,male,23,18-24,middle,primary,unemployed,683.06,4,none,0,519,1,family_friends,5169.86,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2021,urban,female,42,35-44,middle,none,employed_formal,545.56,9,limited,0,281,1,microfinance,5484.9,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2024,urban,female,23,18-24,highest,primary,farmer,720.24,8,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,67,55+,second,none,self_employed,120.03,6,none,1,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,female,39,35-44,lowest,none,self_employed,42.21,3,excellent,0,804,1,informal_lender,1996.39,guarantor,business,1,1838.6,0.839,12,281.73,paid_off,not_applicable,moderate_burden
Uganda,2020,rural,male,50,45-54,second,primary,employed_informal,599.02,9,limited,0,686,1,commercial_bank,17977.98,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2020,rural,female,66,55+,second,secondary,employed_formal,80.16,4,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,male,27,25-34,fourth,secondary,farmer,206.15,10,good,1,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,60,55+,second,secondary,farmer,85.74,3,limited,1,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,24,18-24,middle,secondary,farmer,202.76,4,none,0,386,1,microfinance,7286.13,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2020,rural,male,47,45-54,middle,tertiary,self_employed,114.43,3,none,1,200,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,45,35-44,highest,secondary,employed_formal,728.06,10,none,0,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,32,25-34,highest,none,employed_formal,1008.6,10,none,1,310,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,female,59,55+,lowest,primary,self_employed,43.45,2,limited,0,489,1,sacco,4422.65,equipment,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2021,urban,male,24,18-24,highest,tertiary,self_employed,1053.86,4,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,male,50,45-54,middle,secondary,employed_informal,641.42,7,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,62,55+,middle,primary,farmer,212.48,2,none,0,33,1,family_friends,3132.99,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2018,urban,male,60,55+,lowest,secondary,employed_formal,60.72,7,excellent,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,22,18-24,second,none,employed_informal,118.73,6,none,0,75,1,informal_lender,6894.83,none,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2023,rural,male,49,45-54,lowest,tertiary,employed_informal,76.28,4,good,0,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,female,41,35-44,middle,primary,self_employed,545.73,2,none,0,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,43,35-44,highest,secondary,farmer,1690.3,2,limited,1,622,1,commercial_bank,10735.14,property,agriculture,1,9926.47,0.138,12,941.45,current,not_applicable,moderate_burden
Ethiopia,2023,urban,female,43,35-44,lowest,tertiary,self_employed,48.0,1,limited,1,536,1,digital_lender,5934.97,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2019,urban,male,35,25-34,fourth,primary,employed_informal,244.16,4,limited,0,727,1,informal_lender,3554.36,none,emergency,1,3036.6,0.82,6,920.99,late_60_days,not_applicable,moderate_burden
Mali,2025,rural,female,47,45-54,middle,primary,employed_informal,442.35,6,none,1,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,23,18-24,fourth,none,self_employed,1070.93,2,limited,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,female,25,18-24,second,primary,employed_informal,360.13,8,limited,0,18,1,microfinance,9032.56,savings,business,1,7938.0,0.318,24,435.85,paid_off,not_applicable,moderate_burden
Ethiopia,2025,rural,female,61,55+,lowest,none,unemployed,137.92,2,none,0,383,1,family_friends,6957.98,property,agriculture,1,6125.35,0.088,12,555.38,defaulted,not_applicable,moderate_burden
Uganda,2022,urban,male,64,55+,middle,secondary,self_employed,165.15,6,none,0,0,1,sacco,1751.2,guarantor,business,1,1747.88,0.351,12,196.72,current,not_applicable,moderate_burden
Ghana,2025,urban,female,22,18-24,second,tertiary,self_employed,146.88,8,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,42,35-44,middle,primary,farmer,422.62,1,good,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,42,35-44,middle,none,employed_informal,148.97,7,limited,0,768,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,50,45-54,second,tertiary,farmer,237.71,2,none,0,634,1,informal_lender,8918.75,savings,education,1,7405.03,0.807,18,743.58,current,not_applicable,moderate_burden
Uganda,2023,rural,male,50,45-54,middle,tertiary,employed_informal,158.07,3,none,0,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,female,48,45-54,second,tertiary,employed_informal,58.54,7,limited,0,129,1,family_friends,3156.67,savings,business,1,2655.65,0.005,12,222.45,current,not_applicable,moderate_burden
Zambia,2023,urban,female,19,18-24,highest,secondary,farmer,537.63,2,limited,1,810,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,37,35-44,second,secondary,self_employed,55.79,1,none,0,262,1,microfinance,1505.82,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2025,rural,male,27,25-34,lowest,tertiary,employed_informal,84.95,4,limited,0,799,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,27,25-34,middle,primary,farmer,243.55,10,none,0,620,1,digital_lender,5134.72,none,housing,1,4559.51,0.409,6,1070.49,late_30_days,not_applicable,moderate_burden
Zambia,2018,rural,female,52,45-54,middle,secondary,employed_formal,194.02,6,limited,0,253,1,informal_lender,4765.03,savings,education,1,4101.19,0.787,6,1221.42,paid_off,not_applicable,moderate_burden
Zambia,2019,rural,male,57,55+,second,secondary,self_employed,192.29,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,26,25-34,middle,secondary,self_employed,1304.0,1,limited,1,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,48,45-54,fourth,none,farmer,386.01,6,none,1,726,1,sacco,11032.57,equipment,agriculture,1,8951.04,0.328,6,1981.17,current,not_applicable,moderate_burden
Niger,2023,rural,female,19,18-24,middle,tertiary,employed_informal,151.97,10,good,1,797,1,commercial_bank,2744.78,none,agriculture,1,2282.87,0.225,36,77.69,defaulted,not_applicable,moderate_burden
Tanzania,2018,rural,female,61,55+,second,primary,self_employed,137.86,1,none,0,605,1,family_friends,4252.97,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2018,rural,male,51,45-54,fourth,primary,farmer,363.04,5,limited,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,29,25-34,middle,secondary,farmer,218.02,1,none,1,423,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,female,62,55+,fourth,tertiary,unemployed,470.49,4,good,1,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,29,25-34,lowest,tertiary,employed_formal,47.17,10,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,21,18-24,fourth,primary,farmer,662.11,10,none,1,672,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,female,58,55+,lowest,primary,self_employed,32.86,8,good,0,678,1,digital_lender,4333.19,guarantor,agriculture,1,4076.52,0.455,18,329.42,current,not_applicable,moderate_burden
Mali,2024,urban,male,45,35-44,second,primary,farmer,189.01,7,none,0,283,1,family_friends,3913.78,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2023,urban,female,44,35-44,fourth,primary,self_employed,1311.25,7,none,0,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,female,49,45-54,fourth,secondary,employed_formal,512.5,7,none,1,300,1,digital_lender,11111.71,property,business,1,9391.97,0.464,24,572.82,current,not_applicable,moderate_burden
Mali,2021,rural,male,42,35-44,second,secondary,self_employed,90.73,10,limited,1,199,1,digital_lender,3136.86,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2021,urban,male,31,25-34,lowest,tertiary,farmer,179.59,8,limited,0,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,33,25-34,middle,primary,farmer,300.39,1,limited,0,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,male,35,25-34,middle,primary,employed_informal,76.44,9,none,0,735,1,informal_lender,5248.29,none,asset_purchase,1,4508.13,0.761,12,661.47,paid_off,not_applicable,moderate_burden
Senegal,2025,rural,female,39,35-44,second,secondary,farmer,117.36,9,none,0,380,1,family_friends,2194.96,guarantor,business,1,2161.5,0.032,36,61.95,late_60_days,not_applicable,moderate_burden
Ethiopia,2025,rural,male,31,25-34,second,secondary,employed_formal,156.0,8,none,0,319,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,female,30,25-34,highest,primary,employed_informal,732.41,2,none,0,252,1,employer,5224.53,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2025,urban,male,25,18-24,second,none,employed_informal,186.56,3,limited,0,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,44,35-44,highest,primary,self_employed,338.51,8,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,male,61,55+,lowest,primary,farmer,75.43,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,37,35-44,lowest,secondary,employed_informal,100.45,1,limited,0,240,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,female,50,45-54,lowest,primary,farmer,66.41,7,none,0,652,1,informal_lender,4056.72,equipment,consumption,1,3387.03,0.801,36,169.46,defaulted,not_applicable,moderate_burden
Niger,2020,rural,male,46,45-54,highest,primary,employed_informal,836.11,10,excellent,0,765,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,male,32,25-34,lowest,tertiary,farmer,70.44,5,none,1,121,1,microfinance,5255.88,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2024,rural,female,68,55+,middle,secondary,unemployed,406.1,1,none,1,324,1,sacco,27403.78,none,housing,1,22517.29,0.287,6,4830.66,current,not_applicable,moderate_burden
Zambia,2022,rural,male,56,55+,fourth,secondary,farmer,343.99,4,good,1,467,1,commercial_bank,7123.51,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2021,rural,male,58,55+,highest,none,self_employed,548.95,8,limited,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,19,18-24,fourth,primary,unemployed,173.09,4,none,0,665,1,microfinance,1697.1,guarantor,business,1,1542.12,0.287,24,82.72,defaulted,not_applicable,moderate_burden
Nigeria,2019,rural,female,53,45-54,middle,secondary,employed_informal,172.66,2,good,1,476,1,microfinance,2151.95,none,business,1,1813.4,0.336,12,201.87,paid_off,not_applicable,moderate_burden
Kenya,2020,urban,female,40,35-44,fourth,secondary,employed_formal,1197.82,9,good,0,213,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,20,18-24,highest,primary,farmer,616.79,4,limited,1,624,1,sacco,3570.05,guarantor,asset_purchase,1,3379.68,0.33,24,187.29,late_60_days,not_applicable,moderate_burden
Mali,2019,rural,female,37,35-44,lowest,secondary,unemployed,115.14,3,good,0,219,1,family_friends,5156.77,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2025,rural,female,40,35-44,highest,primary,self_employed,1104.56,4,none,1,223,1,sacco,3860.54,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2025,urban,male,50,45-54,highest,primary,self_employed,559.27,8,good,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,female,41,35-44,second,secondary,unemployed,188.22,4,none,1,54,1,commercial_bank,2739.42,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2024,rural,female,21,18-24,second,primary,self_employed,602.81,3,limited,1,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,male,22,18-24,second,none,unemployed,64.2,1,none,0,0,1,informal_lender,2274.45,none,consumption,1,2132.89,0.804,12,320.56,defaulted,not_applicable,moderate_burden
Uganda,2020,urban,female,53,45-54,highest,none,farmer,1343.73,7,none,0,435,1,sacco,5692.93,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2019,rural,female,67,55+,highest,primary,employed_formal,480.23,8,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,36,35-44,middle,primary,farmer,349.93,9,good,0,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,23,18-24,highest,none,farmer,414.96,6,good,0,827,1,informal_lender,3480.15,none,consumption,1,3405.85,0.815,12,515.05,current,not_applicable,moderate_burden
South Africa,2020,rural,female,48,45-54,second,primary,self_employed,392.03,10,none,0,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,male,23,18-24,second,primary,self_employed,271.25,6,none,1,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,28,25-34,fourth,secondary,self_employed,339.27,3,none,0,0,1,family_friends,7636.43,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2018,urban,female,24,18-24,fourth,secondary,farmer,178.24,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,female,65,55+,middle,secondary,unemployed,297.9,1,none,0,326,1,microfinance,1340.63,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2023,urban,male,55,45-54,fourth,tertiary,self_employed,624.04,6,none,0,82,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,53,45-54,lowest,primary,employed_formal,262.03,5,none,0,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,23,18-24,lowest,tertiary,farmer,36.77,6,limited,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,36,35-44,fourth,primary,farmer,127.72,5,limited,1,771,1,microfinance,4185.64,none,housing,1,3564.42,0.32,48,98.02,defaulted,not_applicable,moderate_burden
Nigeria,2024,rural,female,45,35-44,lowest,secondary,self_employed,37.18,7,none,1,545,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,58,55+,fourth,primary,employed_formal,133.36,6,limited,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,43,35-44,fourth,primary,employed_informal,208.73,8,limited,1,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,19,18-24,second,secondary,self_employed,405.87,9,good,0,533,1,digital_lender,3750.19,property,emergency,1,3106.69,0.472,12,381.14,current,not_applicable,moderate_burden
Ethiopia,2019,urban,female,25,18-24,middle,none,employed_formal,954.5,10,good,0,314,1,employer,9152.04,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2019,rural,male,46,45-54,fourth,tertiary,employed_informal,769.95,1,none,1,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,44,35-44,middle,primary,self_employed,454.31,1,none,1,588,1,commercial_bank,8842.52,property,housing,1,8742.73,0.217,18,590.87,current,not_applicable,moderate_burden
Uganda,2024,urban,male,45,35-44,lowest,primary,unemployed,30.95,2,limited,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,female,52,45-54,second,primary,unemployed,255.26,1,none,0,461,1,family_friends,3934.35,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2023,rural,female,33,25-34,middle,secondary,employed_informal,380.18,6,none,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,male,21,18-24,middle,tertiary,self_employed,781.69,7,limited,0,219,1,informal_lender,5982.82,property,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2022,rural,female,66,55+,middle,primary,farmer,290.04,8,limited,1,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,female,22,18-24,lowest,secondary,employed_informal,140.3,2,none,0,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,62,55+,lowest,none,employed_informal,28.01,2,none,0,572,1,family_friends,2080.13,none,agriculture,1,1771.68,0.084,36,53.35,current,not_applicable,moderate_burden
DRC,2024,urban,female,29,25-34,highest,primary,unemployed,1724.16,1,limited,0,376,1,family_friends,6557.26,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2020,urban,female,29,25-34,lowest,secondary,farmer,215.68,5,good,1,548,1,sacco,2470.27,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2021,urban,female,22,18-24,lowest,primary,self_employed,24.66,4,limited,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,64,55+,fourth,primary,farmer,531.16,2,limited,1,729,1,commercial_bank,17155.54,guarantor,agriculture,1,15534.46,0.22,12,1579.46,paid_off,not_applicable,moderate_burden
Senegal,2020,urban,male,27,25-34,fourth,primary,employed_formal,408.36,5,good,1,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,32,25-34,middle,none,employed_informal,128.3,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,48,45-54,highest,primary,self_employed,483.37,5,none,1,446,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,female,34,25-34,fourth,secondary,farmer,528.75,9,limited,1,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,41,35-44,second,primary,employed_informal,308.71,8,limited,1,731,1,informal_lender,2681.4,none,business,1,2323.18,0.82,12,352.32,defaulted,not_applicable,moderate_burden
Niger,2018,rural,male,51,45-54,second,none,unemployed,93.37,1,none,0,394,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,65,55+,lowest,primary,employed_informal,37.13,8,good,0,296,1,informal_lender,1084.15,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2020,rural,female,27,25-34,lowest,secondary,employed_informal,106.76,5,none,0,30,1,microfinance,2787.17,none,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mozambique,2025,rural,male,55,45-54,middle,primary,employed_informal,229.66,3,good,1,152,1,digital_lender,13970.03,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2021,rural,female,66,55+,lowest,secondary,farmer,25.23,7,limited,0,39,1,informal_lender,4579.03,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2024,urban,female,18,18-24,second,none,farmer,210.28,7,none,1,501,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,urban,male,24,18-24,fourth,secondary,employed_informal,253.94,3,limited,1,651,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,52,45-54,fourth,tertiary,employed_informal,186.52,10,excellent,1,210,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,female,35,25-34,fourth,secondary,employed_formal,493.79,8,limited,1,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,43,35-44,second,primary,self_employed,73.77,1,none,0,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,female,49,45-54,second,primary,farmer,376.99,6,limited,1,826,1,microfinance,8067.41,none,business,1,7730.17,0.34,12,863.44,current,not_applicable,moderate_burden
Senegal,2020,urban,male,41,35-44,second,primary,employed_informal,294.16,4,good,0,850,1,microfinance,3667.1,none,business,1,3141.88,0.327,12,347.36,late_60_days,not_applicable,moderate_burden
Ghana,2024,rural,male,48,45-54,middle,primary,farmer,184.52,7,none,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,50,45-54,fourth,secondary,self_employed,411.25,1,limited,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,38,35-44,lowest,tertiary,employed_informal,281.8,9,good,0,385,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,52,45-54,second,primary,employed_formal,83.38,10,none,0,97,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,male,40,35-44,middle,secondary,farmer,159.31,9,limited,0,406,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,female,42,35-44,lowest,secondary,self_employed,47.19,1,limited,1,388,1,digital_lender,9838.43,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2018,urban,female,41,35-44,highest,primary,employed_informal,325.93,5,limited,1,425,1,digital_lender,13284.51,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2023,urban,male,19,18-24,lowest,secondary,self_employed,153.18,3,limited,0,217,1,microfinance,5053.02,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2025,urban,male,25,18-24,fourth,secondary,farmer,451.82,4,limited,0,553,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,urban,female,54,45-54,second,none,self_employed,555.46,5,limited,0,17,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,35,25-34,fourth,secondary,employed_informal,604.61,1,limited,0,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,52,45-54,highest,tertiary,employed_informal,1169.73,10,none,0,4,1,family_friends,4973.0,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2025,rural,male,49,45-54,second,secondary,employed_informal,221.72,4,none,0,136,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,38,35-44,middle,none,employed_formal,148.87,5,none,0,374,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,61,55+,middle,secondary,farmer,353.17,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,43,35-44,second,primary,farmer,112.38,5,limited,1,320,1,family_friends,2639.4,savings,consumption,1,2422.52,0.038,12,209.54,paid_off,not_applicable,moderate_burden
Mozambique,2023,urban,male,67,55+,highest,tertiary,employed_informal,726.25,7,none,0,4,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,42,35-44,lowest,tertiary,employed_informal,59.71,7,none,0,466,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,41,35-44,second,tertiary,self_employed,227.06,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,24,18-24,second,tertiary,farmer,195.66,1,limited,1,354,1,commercial_bank,7095.68,guarantor,education,1,5939.63,0.188,18,391.86,current,not_applicable,moderate_burden
South Africa,2022,rural,female,23,18-24,middle,tertiary,employed_informal,261.21,1,limited,1,361,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,male,53,45-54,second,tertiary,employed_informal,70.19,6,limited,1,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,male,53,45-54,highest,none,farmer,204.84,9,none,0,725,1,informal_lender,2799.98,guarantor,education,1,2634.47,0.782,6,782.39,paid_off,not_applicable,moderate_burden
Mali,2023,rural,female,21,18-24,second,secondary,employed_informal,374.72,5,none,1,559,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,female,53,45-54,second,secondary,employed_informal,109.77,3,none,0,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,26,25-34,middle,primary,employed_informal,373.17,9,good,1,149,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,35,25-34,second,secondary,farmer,286.78,10,none,1,241,1,commercial_bank,3287.82,none,emergency,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2020,rural,female,50,45-54,middle,secondary,employed_informal,39.1,2,excellent,0,849,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,23,18-24,highest,secondary,self_employed,883.85,9,none,1,448,1,microfinance,3693.93,none,business,1,3314.71,0.287,18,237.06,current,not_applicable,moderate_burden
Rwanda,2024,rural,male,37,35-44,highest,secondary,farmer,412.33,9,none,1,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,62,55+,lowest,none,employed_informal,87.92,4,limited,1,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,female,38,35-44,middle,tertiary,farmer,276.89,8,excellent,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,42,35-44,middle,primary,self_employed,361.79,7,none,0,412,1,informal_lender,7410.5,equipment,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2023,rural,male,62,55+,lowest,primary,self_employed,24.99,1,none,0,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,34,25-34,second,primary,employed_informal,83.76,5,none,1,606,1,sacco,643.08,equipment,consumption,1,534.75,0.289,12,57.45,current,not_applicable,moderate_burden
Niger,2021,urban,female,66,55+,fourth,secondary,employed_informal,515.15,6,none,0,271,1,digital_lender,13261.75,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2023,rural,male,28,25-34,lowest,primary,self_employed,118.49,1,none,0,206,1,commercial_bank,2253.16,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2025,rural,female,25,18-24,second,none,self_employed,237.99,8,limited,0,448,1,digital_lender,11381.47,guarantor,agriculture,1,10817.51,0.485,18,892.34,late_60_days,not_applicable,moderate_burden
Tanzania,2021,urban,male,50,45-54,fourth,secondary,self_employed,413.66,9,limited,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,41,35-44,fourth,primary,employed_informal,517.55,8,none,1,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,19,18-24,fourth,secondary,employed_formal,553.47,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,20,18-24,second,tertiary,unemployed,253.33,1,none,0,126,1,family_friends,8235.57,none,consumption,1,7476.39,0.063,6,1325.11,defaulted,not_applicable,moderate_burden
Niger,2023,rural,female,27,25-34,second,none,self_employed,60.69,6,excellent,0,594,1,commercial_bank,985.29,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2024,rural,female,23,18-24,second,secondary,employed_informal,121.98,9,excellent,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,52,45-54,second,secondary,self_employed,402.15,10,none,1,426,1,microfinance,26080.44,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,rural,female,23,18-24,second,tertiary,farmer,64.26,4,limited,0,625,1,family_friends,3148.53,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2018,rural,female,53,45-54,highest,primary,self_employed,324.96,7,limited,0,812,1,family_friends,7426.51,savings,housing,1,6058.67,0.031,12,520.59,current,not_applicable,moderate_burden
South Africa,2020,urban,male,63,55+,highest,primary,farmer,2059.53,7,none,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,30,25-34,highest,tertiary,farmer,1059.12,9,good,0,532,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,female,38,35-44,middle,primary,unemployed,228.01,5,none,0,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,41,35-44,lowest,primary,employed_informal,35.23,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,female,34,25-34,second,tertiary,farmer,149.71,4,limited,0,325,1,family_friends,2052.77,guarantor,consumption,1,2014.57,0.01,12,169.48,current,not_applicable,moderate_burden
Mali,2024,rural,female,31,25-34,second,secondary,employed_informal,255.69,3,limited,1,328,1,employer,7259.55,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2022,urban,female,31,25-34,lowest,tertiary,employed_formal,26.92,10,none,1,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,female,39,35-44,middle,primary,self_employed,247.26,7,limited,1,526,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,42,35-44,highest,primary,unemployed,2046.06,1,good,0,276,1,family_friends,5043.48,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2019,urban,male,37,35-44,lowest,none,farmer,58.62,4,good,0,224,1,informal_lender,3215.62,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2020,rural,male,56,55+,second,primary,farmer,87.91,5,none,0,541,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,46,45-54,lowest,primary,employed_informal,62.2,10,none,0,542,1,family_friends,3379.29,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2021,rural,female,48,45-54,highest,secondary,self_employed,2198.84,4,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,50,45-54,middle,tertiary,employed_informal,103.73,4,none,1,486,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,29,25-34,highest,none,farmer,631.43,9,excellent,1,850,1,digital_lender,4382.14,none,asset_purchase,1,3953.84,0.49,18,327.21,late_30_days,not_applicable,moderate_burden
Tanzania,2021,urban,male,23,18-24,fourth,tertiary,unemployed,282.72,1,limited,1,11,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,male,65,55+,highest,none,self_employed,155.89,9,limited,0,850,1,informal_lender,3208.32,none,housing,1,3023.02,0.824,24,229.75,current,not_applicable,moderate_burden
Tanzania,2021,rural,female,21,18-24,middle,none,farmer,235.18,8,none,0,387,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,33,25-34,highest,primary,farmer,1102.99,2,none,0,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,42,35-44,second,tertiary,farmer,131.48,8,none,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,female,51,45-54,fourth,primary,unemployed,395.26,1,limited,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,male,53,45-54,lowest,none,employed_informal,65.23,8,excellent,0,554,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,39,35-44,middle,secondary,self_employed,396.08,3,good,1,705,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,male,34,25-34,lowest,tertiary,employed_informal,100.98,3,none,1,715,1,commercial_bank,3059.86,guarantor,agriculture,1,2839.04,0.196,24,141.51,late_30_days,not_applicable,moderate_burden
Malawi,2020,urban,male,32,25-34,highest,secondary,self_employed,1507.72,9,none,0,94,1,family_friends,5115.0,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2018,rural,male,54,45-54,second,none,farmer,79.16,7,none,1,550,1,commercial_bank,2060.16,none,emergency,1,1843.3,0.158,6,355.73,current,not_applicable,moderate_burden
Tanzania,2020,rural,female,21,18-24,second,primary,unemployed,175.01,1,good,1,147,1,commercial_bank,2536.25,property,agriculture,1,2175.6,0.194,18,144.37,current,not_applicable,moderate_burden
Malawi,2021,urban,male,61,55+,lowest,none,employed_formal,60.51,4,none,0,0,1,microfinance,1787.33,property,emergency,1,1513.27,0.362,24,85.87,current,not_applicable,moderate_burden
Niger,2024,rural,male,41,35-44,fourth,none,farmer,437.14,5,none,0,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,male,43,35-44,highest,secondary,farmer,523.21,6,limited,0,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,27,25-34,highest,tertiary,employed_informal,355.41,4,none,1,825,1,sacco,2410.93,none,agriculture,1,1951.98,0.304,12,212.1,current,not_applicable,moderate_burden
Mali,2018,rural,male,25,18-24,middle,none,farmer,243.71,10,limited,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,35,25-34,fourth,primary,self_employed,507.93,9,good,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,female,37,35-44,second,none,unemployed,215.53,5,limited,0,0,1,family_friends,7513.29,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2022,rural,male,59,55+,fourth,primary,employed_formal,122.44,4,good,1,233,1,sacco,4676.92,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2023,rural,female,48,45-54,highest,primary,self_employed,538.36,5,none,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,26,25-34,middle,secondary,self_employed,105.35,10,none,1,0,1,microfinance,3473.18,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2023,rural,female,68,55+,lowest,secondary,employed_informal,52.66,3,none,0,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,22,18-24,fourth,secondary,employed_informal,893.89,5,good,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,urban,female,46,45-54,lowest,none,employed_informal,73.36,7,none,0,402,1,informal_lender,3992.31,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2022,rural,male,56,55+,middle,none,employed_formal,250.23,9,good,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,male,59,55+,fourth,secondary,employed_informal,152.0,4,limited,0,501,1,employer,4831.79,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2025,rural,female,43,35-44,second,secondary,employed_informal,38.69,10,excellent,1,758,1,sacco,868.44,none,consumption,1,827.74,0.284,18,59.04,current,not_applicable,moderate_burden
Senegal,2024,rural,male,54,45-54,middle,secondary,unemployed,202.86,1,none,1,8,1,informal_lender,4314.58,none,asset_purchase,1,3820.76,0.839,24,292.76,paid_off,not_applicable,moderate_burden
Rwanda,2024,rural,male,43,35-44,second,none,self_employed,219.83,6,good,0,84,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,30,25-34,second,secondary,farmer,102.68,10,none,1,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,38,35-44,lowest,tertiary,farmer,60.79,8,limited,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,60,55+,lowest,primary,self_employed,113.42,10,none,0,747,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,65,55+,fourth,secondary,self_employed,234.92,1,none,1,192,1,family_friends,10794.87,guarantor,consumption,1,10720.4,0.08,36,321.74,late_30_days,not_applicable,moderate_burden
Ghana,2019,rural,female,52,45-54,lowest,secondary,self_employed,139.29,1,limited,0,497,1,informal_lender,6757.21,none,business,1,6092.72,0.765,12,895.95,current,not_applicable,moderate_burden
Malawi,2024,urban,male,41,35-44,second,secondary,employed_formal,179.2,9,good,0,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,29,25-34,lowest,primary,employed_formal,93.34,4,limited,1,385,1,microfinance,2726.26,none,education,1,2183.74,0.294,24,117.72,current,not_applicable,moderate_burden
Mali,2023,urban,male,36,35-44,highest,primary,farmer,1810.92,1,none,0,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,63,55+,highest,primary,employed_informal,3219.74,9,none,1,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,male,31,25-34,second,primary,employed_informal,38.68,5,none,0,552,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,urban,male,54,45-54,fourth,secondary,employed_informal,508.06,7,none,0,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,male,23,18-24,second,secondary,employed_formal,34.87,10,excellent,1,723,1,microfinance,819.26,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2025,urban,female,69,55+,middle,secondary,unemployed,289.82,1,limited,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,66,55+,middle,none,self_employed,108.41,5,none,1,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,56,55+,lowest,tertiary,employed_informal,65.43,6,none,0,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,18,18-24,second,primary,self_employed,306.02,5,limited,1,585,1,informal_lender,6044.42,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2025,urban,male,37,35-44,second,secondary,unemployed,180.81,1,limited,1,643,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,18,18-24,middle,primary,unemployed,132.13,1,limited,0,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,25,18-24,second,primary,employed_formal,195.76,10,limited,0,541,1,informal_lender,6076.58,savings,consumption,1,5579.91,0.805,6,1678.87,paid_off,not_applicable,moderate_burden
South Africa,2020,rural,male,23,18-24,second,secondary,unemployed,44.15,4,none,1,240,1,microfinance,4123.72,guarantor,business,1,4082.98,0.319,6,897.25,current,not_applicable,moderate_burden
Uganda,2019,rural,female,51,45-54,second,none,employed_informal,105.17,5,excellent,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,31,25-34,second,secondary,employed_formal,216.79,4,limited,1,305,1,informal_lender,2331.91,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2022,urban,male,28,25-34,middle,none,employed_informal,2330.61,1,limited,0,302,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,56,55+,lowest,tertiary,employed_informal,68.46,7,none,1,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,female,26,25-34,middle,secondary,self_employed,418.86,6,none,0,471,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,female,30,25-34,highest,primary,farmer,2763.3,4,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,male,24,18-24,highest,none,self_employed,1614.4,8,none,0,111,1,family_friends,10774.77,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2019,rural,female,30,25-34,middle,none,self_employed,213.81,9,limited,0,173,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,58,55+,fourth,secondary,employed_informal,174.9,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,female,44,35-44,middle,secondary,self_employed,324.22,9,none,1,505,1,sacco,14028.99,none,education,1,11676.53,0.273,6,2478.08,current,not_applicable,moderate_burden
Zambia,2025,rural,male,29,25-34,second,secondary,farmer,98.88,10,good,0,217,1,sacco,2479.07,property,education,1,2361.07,0.323,24,130.12,current,not_applicable,moderate_burden
DRC,2022,urban,female,45,35-44,second,secondary,self_employed,116.08,2,none,0,265,1,family_friends,2249.56,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2021,urban,female,48,45-54,middle,tertiary,unemployed,235.73,1,none,1,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,male,35,25-34,lowest,tertiary,employed_informal,122.26,2,limited,1,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,39,35-44,highest,none,self_employed,545.74,3,good,1,533,1,microfinance,11133.41,guarantor,business,1,10672.8,0.31,18,776.72,defaulted,not_applicable,moderate_burden
Tanzania,2019,rural,male,59,55+,middle,secondary,employed_formal,456.62,10,limited,1,784,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,69,55+,lowest,tertiary,employed_informal,44.3,2,excellent,0,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,25,18-24,highest,primary,employed_formal,632.28,10,good,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,female,44,35-44,fourth,secondary,self_employed,1774.81,5,none,1,6,1,family_friends,4720.24,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2022,rural,female,34,25-34,second,none,self_employed,549.97,4,good,0,315,1,informal_lender,6373.33,savings,agriculture,1,5245.53,0.806,6,1578.47,current,not_applicable,moderate_burden
Ethiopia,2024,urban,female,32,25-34,second,primary,employed_informal,207.11,8,limited,0,823,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,60,55+,middle,secondary,unemployed,94.87,5,good,1,676,1,commercial_bank,4589.82,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2023,rural,male,57,55+,second,secondary,employed_informal,23.78,9,none,0,0,1,microfinance,2420.33,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2019,rural,male,44,35-44,second,primary,employed_informal,115.22,5,none,0,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,male,18,18-24,lowest,primary,employed_informal,20.8,3,limited,1,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,27,25-34,middle,none,employed_formal,372.61,10,none,0,296,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,male,32,25-34,middle,primary,farmer,133.55,2,excellent,1,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,63,55+,highest,secondary,self_employed,361.96,1,good,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,female,42,35-44,lowest,secondary,unemployed,50.8,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,49,45-54,lowest,none,unemployed,30.41,1,excellent,1,443,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,34,25-34,lowest,secondary,farmer,72.16,6,none,1,517,1,sacco,1234.11,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2024,urban,female,25,18-24,middle,secondary,employed_formal,461.8,10,none,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,51,45-54,middle,secondary,unemployed,140.45,4,limited,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,male,28,25-34,lowest,none,self_employed,358.99,8,limited,0,846,1,family_friends,8986.41,savings,emergency,1,8434.78,0.082,12,760.63,late_30_days,not_applicable,moderate_burden
Ethiopia,2019,rural,male,36,35-44,middle,primary,employed_informal,171.9,9,limited,0,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,50,45-54,lowest,primary,farmer,68.4,9,limited,1,591,1,digital_lender,2718.81,none,business,1,2215.21,0.489,6,549.57,late_30_days,not_applicable,moderate_burden
Nigeria,2022,rural,female,26,25-34,second,tertiary,employed_informal,96.49,8,limited,0,70,1,microfinance,4909.77,savings,business,1,4529.62,0.308,12,493.91,current,not_applicable,moderate_burden
Tanzania,2019,rural,female,56,55+,fourth,tertiary,self_employed,286.85,4,none,0,579,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,male,66,55+,fourth,none,farmer,1139.65,9,limited,0,203,1,informal_lender,10059.95,none,asset_purchase,1,9082.32,0.764,12,1334.98,paid_off,not_applicable,moderate_burden
Tanzania,2024,rural,female,18,18-24,fourth,none,farmer,451.31,1,limited,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,41,35-44,lowest,secondary,employed_informal,31.04,7,good,1,841,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,30,25-34,lowest,none,self_employed,264.96,6,good,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,29,25-34,highest,primary,farmer,1164.32,10,none,1,684,1,commercial_bank,8442.83,equipment,consumption,1,6918.29,0.131,12,651.9,current,not_applicable,moderate_burden
Uganda,2021,rural,female,64,55+,lowest,secondary,self_employed,40.96,4,none,1,544,1,microfinance,3353.87,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2021,urban,female,56,55+,lowest,secondary,unemployed,25.09,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,55,45-54,second,primary,farmer,137.98,3,none,0,354,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,62,55+,second,primary,farmer,78.35,4,none,0,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,30,25-34,lowest,none,self_employed,35.77,3,none,1,696,1,family_friends,9875.65,none,emergency,1,8765.05,0.036,18,504.38,current,not_applicable,moderate_burden
Malawi,2023,urban,male,21,18-24,highest,secondary,self_employed,1154.39,9,good,0,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,46,45-54,second,none,farmer,92.46,3,good,1,728,1,microfinance,2710.28,none,business,1,2562.52,0.357,12,289.76,paid_off,not_applicable,moderate_burden
Niger,2022,rural,male,36,35-44,second,primary,employed_formal,120.27,10,none,0,174,1,employer,6688.83,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2021,urban,female,22,18-24,second,tertiary,self_employed,279.34,8,limited,1,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,31,25-34,second,primary,employed_informal,121.44,9,excellent,1,676,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,28,25-34,second,none,employed_formal,681.5,5,none,1,739,1,digital_lender,8556.25,none,business,1,8495.24,0.47,24,520.49,current,not_applicable,moderate_burden
Mali,2020,urban,male,62,55+,second,none,farmer,266.35,1,none,0,722,1,commercial_bank,4176.85,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2023,urban,male,69,55+,lowest,tertiary,employed_informal,97.77,4,good,0,641,1,sacco,2136.04,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2020,rural,female,29,25-34,middle,none,self_employed,555.04,9,good,1,753,1,commercial_bank,3779.15,savings,agriculture,1,3315.81,0.167,24,161.2,current,not_applicable,moderate_burden
Kenya,2025,rural,female,26,25-34,lowest,none,self_employed,26.21,4,limited,0,808,1,informal_lender,2428.44,none,debt_consolidation,1,2377.98,0.761,18,232.58,current,not_applicable,moderate_burden
DRC,2021,rural,male,46,45-54,lowest,secondary,self_employed,148.62,1,none,1,498,1,digital_lender,1849.65,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2024,rural,female,41,35-44,middle,tertiary,farmer,136.37,2,good,0,652,1,informal_lender,3997.95,none,consumption,1,3266.81,0.807,6,984.0,current,not_applicable,moderate_burden
Kenya,2021,urban,male,59,55+,middle,primary,farmer,241.29,2,limited,0,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,27,25-34,lowest,secondary,employed_informal,188.98,6,limited,0,637,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,23,18-24,highest,none,employed_informal,718.75,7,good,1,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,64,55+,fourth,secondary,self_employed,553.3,10,limited,1,515,1,sacco,3378.69,guarantor,business,1,3089.63,0.316,36,112.99,current,not_applicable,moderate_burden
Zambia,2022,rural,male,19,18-24,fourth,none,farmer,427.79,5,good,1,335,1,commercial_bank,5981.57,none,housing,1,4952.33,0.133,6,935.1,paid_off,not_applicable,moderate_burden
Niger,2025,rural,male,63,55+,middle,none,self_employed,165.2,3,none,1,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,26,25-34,highest,tertiary,employed_informal,201.13,2,good,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,62,55+,second,primary,employed_formal,297.35,5,good,1,198,1,sacco,944.41,savings,education,1,830.56,0.339,48,23.17,defaulted,not_applicable,moderate_burden
Mozambique,2023,rural,female,52,45-54,lowest,secondary,farmer,57.18,1,none,1,714,1,commercial_bank,5904.54,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2023,rural,male,29,25-34,second,secondary,self_employed,83.77,1,none,1,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,female,41,35-44,fourth,primary,unemployed,783.4,2,none,0,66,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,42,35-44,highest,secondary,employed_informal,2168.63,3,limited,0,840,1,digital_lender,10606.14,savings,emergency,1,9720.57,0.411,12,1143.3,late_30_days,not_applicable,moderate_burden
Kenya,2018,rural,male,43,35-44,fourth,secondary,unemployed,176.28,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,male,55,45-54,middle,primary,employed_informal,335.47,3,excellent,1,683,1,commercial_bank,1485.97,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2022,rural,male,55,45-54,second,none,farmer,214.85,3,limited,0,27,1,informal_lender,3727.13,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2022,rural,male,69,55+,highest,secondary,employed_informal,1887.61,5,excellent,1,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,female,28,25-34,lowest,secondary,employed_informal,39.29,2,limited,1,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,48,45-54,second,secondary,farmer,82.97,5,good,0,250,1,family_friends,3964.72,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2022,rural,male,67,55+,middle,tertiary,unemployed,300.26,4,limited,0,224,1,informal_lender,4750.56,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2018,urban,male,51,45-54,lowest,none,unemployed,84.95,6,none,0,467,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,male,31,25-34,fourth,secondary,unemployed,2100.25,3,limited,0,740,1,commercial_bank,7489.45,savings,business,1,7273.83,0.138,12,689.52,current,not_applicable,moderate_burden
Zambia,2025,rural,female,68,55+,middle,tertiary,farmer,413.86,9,limited,1,127,1,microfinance,8021.48,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2018,rural,female,63,55+,second,secondary,employed_informal,88.32,7,good,0,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,33,25-34,highest,secondary,self_employed,440.94,5,none,1,628,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,male,41,35-44,fourth,secondary,employed_formal,652.98,10,none,0,25,1,informal_lender,10110.61,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2019,urban,female,36,35-44,second,secondary,unemployed,135.59,1,none,1,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,69,55+,second,secondary,self_employed,185.53,7,excellent,0,199,1,family_friends,6560.07,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2019,urban,female,37,35-44,highest,primary,self_employed,2251.1,9,none,0,258,1,commercial_bank,21752.2,property,consumption,1,19993.14,0.202,24,1001.49,current,not_applicable,moderate_burden
Kenya,2025,rural,male,24,18-24,middle,none,employed_informal,120.22,5,none,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,19,18-24,highest,secondary,employed_formal,272.39,8,none,0,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,33,25-34,fourth,secondary,self_employed,345.92,10,none,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,60,55+,second,secondary,employed_formal,286.94,9,excellent,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,63,55+,lowest,primary,employed_informal,94.57,4,excellent,0,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,47,45-54,lowest,secondary,farmer,109.93,5,excellent,1,433,1,commercial_bank,4722.9,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2024,rural,female,57,55+,lowest,primary,farmer,50.54,3,good,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,male,69,55+,second,primary,self_employed,227.99,8,limited,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,27,25-34,highest,secondary,unemployed,1022.74,4,none,0,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,34,25-34,fourth,secondary,farmer,219.68,5,none,1,726,1,digital_lender,3359.9,none,emergency,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2019,rural,male,58,55+,fourth,primary,self_employed,568.21,1,good,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,39,35-44,fourth,primary,employed_informal,470.86,6,good,1,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,26,25-34,lowest,secondary,self_employed,204.33,7,none,1,549,1,informal_lender,19814.43,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2020,urban,male,28,25-34,lowest,none,farmer,269.39,5,good,1,816,1,sacco,16261.64,guarantor,agriculture,1,13862.65,0.362,6,3147.3,late_30_days,not_applicable,moderate_burden
DRC,2021,urban,male,54,45-54,second,secondary,employed_formal,100.21,4,none,0,555,1,microfinance,4525.16,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2024,rural,female,51,45-54,middle,none,self_employed,253.95,3,none,0,726,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,male,66,55+,highest,primary,unemployed,1048.39,6,good,0,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,55,45-54,fourth,primary,employed_informal,954.94,7,good,1,390,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,55,45-54,middle,secondary,farmer,69.11,1,limited,1,635,1,microfinance,7201.6,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2020,rural,female,23,18-24,middle,primary,employed_informal,73.92,10,limited,0,184,1,informal_lender,2341.22,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2023,urban,female,62,55+,second,primary,employed_informal,1166.17,4,none,0,315,1,sacco,18367.05,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2020,rural,male,54,45-54,lowest,primary,farmer,13.87,3,good,0,850,1,family_friends,1562.43,none,business,1,1490.96,0.068,12,132.72,current,not_applicable,moderate_burden
Mali,2019,urban,male,60,55+,fourth,primary,self_employed,144.34,9,limited,1,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,female,59,55+,middle,secondary,self_employed,975.94,4,none,1,658,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,55,45-54,lowest,primary,employed_formal,177.03,5,limited,0,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,66,55+,second,secondary,farmer,38.92,1,excellent,0,712,1,family_friends,2270.08,guarantor,asset_purchase,1,1875.01,0.011,6,315.9,current,not_applicable,moderate_burden
Rwanda,2020,rural,female,57,55+,second,tertiary,unemployed,421.88,6,limited,0,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,female,36,35-44,highest,secondary,unemployed,418.64,1,limited,1,242,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,male,48,45-54,highest,none,self_employed,204.53,8,limited,1,275,1,informal_lender,4351.06,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2025,rural,female,46,45-54,lowest,secondary,self_employed,62.92,2,none,1,416,1,microfinance,2653.58,none,education,1,2260.59,0.322,24,124.56,current,not_applicable,moderate_burden
Ghana,2025,rural,female,34,25-34,second,secondary,unemployed,115.3,6,none,0,488,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,19,18-24,fourth,secondary,self_employed,639.85,9,limited,1,51,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,55,45-54,fourth,none,self_employed,1032.42,7,good,0,105,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,69,55+,highest,none,self_employed,4908.96,10,none,1,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,36,35-44,fourth,primary,employed_formal,570.13,4,none,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,male,24,18-24,fourth,primary,farmer,411.34,8,limited,1,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,female,26,25-34,lowest,secondary,employed_informal,131.96,5,good,1,843,1,digital_lender,1412.38,property,housing,1,1385.08,0.464,12,168.98,current,not_applicable,moderate_burden
Rwanda,2025,urban,male,50,45-54,lowest,primary,employed_formal,69.31,7,none,0,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,18,18-24,middle,primary,employed_informal,157.23,7,none,1,420,1,digital_lender,16376.18,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2019,rural,male,63,55+,highest,secondary,farmer,434.53,9,limited,0,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,male,23,18-24,lowest,secondary,employed_informal,167.51,9,excellent,0,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,65,55+,fourth,primary,farmer,139.94,6,none,0,0,1,family_friends,1401.63,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2023,rural,male,55,45-54,middle,secondary,employed_formal,298.27,10,good,0,547,1,commercial_bank,4588.6,guarantor,agriculture,1,3959.8,0.172,36,128.92,current,not_applicable,moderate_burden
Nigeria,2024,rural,male,59,55+,lowest,tertiary,self_employed,105.14,2,excellent,0,536,1,family_friends,2053.78,property,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2023,urban,male,27,25-34,middle,tertiary,employed_informal,270.24,6,limited,1,112,1,microfinance,7394.05,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2020,rural,male,37,35-44,highest,primary,unemployed,1467.01,2,excellent,1,641,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,22,18-24,lowest,primary,self_employed,23.71,7,none,0,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,41,35-44,fourth,primary,self_employed,303.68,6,good,0,344,1,family_friends,5580.1,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,urban,male,51,45-54,fourth,secondary,farmer,1013.66,8,none,1,28,1,digital_lender,6859.27,guarantor,consumption,1,5547.13,0.448,36,223.17,current,not_applicable,moderate_burden
DRC,2023,rural,male,20,18-24,middle,secondary,employed_informal,229.56,3,limited,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,48,45-54,highest,none,farmer,719.1,10,limited,0,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,59,55+,highest,primary,self_employed,2970.61,6,none,0,627,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,male,63,55+,middle,primary,farmer,65.38,8,limited,0,785,1,sacco,4446.28,equipment,housing,1,4336.48,0.277,24,230.69,late_60_days,not_applicable,moderate_burden
DRC,2023,rural,female,21,18-24,highest,tertiary,farmer,1095.26,6,none,0,138,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,male,41,35-44,fourth,secondary,employed_informal,328.55,2,limited,1,494,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,male,30,25-34,middle,tertiary,farmer,305.29,10,none,1,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,urban,male,34,25-34,fourth,secondary,farmer,208.0,3,none,0,341,1,informal_lender,2508.48,guarantor,education,1,2324.14,0.756,12,340.12,defaulted,not_applicable,moderate_burden
Ghana,2023,rural,female,30,25-34,highest,secondary,employed_informal,220.31,5,good,0,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,19,18-24,middle,tertiary,farmer,339.38,5,none,1,108,1,commercial_bank,1785.18,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2020,rural,male,63,55+,second,primary,farmer,104.62,2,excellent,0,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,68,55+,second,primary,farmer,176.25,6,limited,1,341,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,38,35-44,lowest,none,employed_informal,146.59,8,none,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,48,45-54,second,none,self_employed,267.57,1,none,1,460,1,sacco,3787.82,none,consumption,1,3631.27,0.293,12,391.35,current,not_applicable,moderate_burden
Mali,2018,urban,male,66,55+,highest,secondary,employed_informal,502.33,4,limited,0,152,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,32,25-34,lowest,secondary,employed_informal,41.69,5,limited,1,237,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,69,55+,lowest,primary,employed_informal,28.48,3,limited,0,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,27,25-34,second,primary,unemployed,69.44,1,good,0,109,1,digital_lender,1101.72,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2023,rural,male,45,35-44,highest,secondary,employed_informal,2366.73,10,limited,0,632,1,informal_lender,12577.88,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2019,rural,female,24,18-24,second,tertiary,self_employed,70.05,10,none,1,271,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,31,25-34,fourth,secondary,unemployed,174.06,4,excellent,0,850,1,family_friends,7129.61,vehicle,asset_purchase,1,5825.1,0.058,18,342.3,paid_off,not_applicable,moderate_burden
Mali,2022,rural,male,59,55+,second,none,employed_informal,70.31,10,limited,1,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,male,59,55+,highest,tertiary,employed_formal,1015.53,6,none,0,240,1,employer,9100.79,none,business,1,7649.08,0.027,6,1309.16,current,not_applicable,moderate_burden
Ghana,2019,rural,female,44,35-44,second,secondary,employed_formal,110.87,8,limited,0,210,1,digital_lender,3261.02,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2019,urban,female,35,25-34,lowest,secondary,farmer,92.65,9,limited,1,127,1,digital_lender,1876.31,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2024,rural,male,47,45-54,lowest,secondary,unemployed,213.89,1,limited,0,660,1,family_friends,2068.54,equipment,emergency,1,2015.88,0.016,36,56.87,current,not_applicable,moderate_burden
Nigeria,2020,rural,male,27,25-34,lowest,secondary,unemployed,235.19,1,none,1,33,1,commercial_bank,3823.72,none,asset_purchase,1,3329.1,0.217,12,337.74,paid_off,not_applicable,moderate_burden
Tanzania,2022,rural,male,22,18-24,fourth,secondary,employed_informal,194.87,2,none,0,488,1,microfinance,6840.81,none,emergency,1,5797.95,0.365,12,659.47,current,not_applicable,moderate_burden
Mali,2023,urban,male,56,55+,lowest,secondary,employed_informal,51.97,8,limited,0,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,41,35-44,fourth,secondary,farmer,306.3,4,none,1,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,female,45,35-44,second,secondary,farmer,139.01,2,limited,0,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,55,45-54,highest,none,employed_informal,555.29,3,limited,1,846,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,male,43,35-44,highest,tertiary,employed_informal,818.94,5,none,1,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,male,46,45-54,second,primary,self_employed,65.53,7,good,0,444,1,employer,5508.55,property,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Niger,2025,rural,female,67,55+,lowest,none,farmer,70.83,5,limited,1,226,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,47,45-54,lowest,primary,self_employed,112.46,2,none,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,female,48,45-54,lowest,secondary,employed_formal,44.62,4,limited,0,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,20,18-24,lowest,secondary,self_employed,64.39,10,limited,0,811,1,microfinance,2014.22,guarantor,business,1,1703.09,0.287,6,365.23,current,not_applicable,moderate_burden
Tanzania,2020,urban,male,23,18-24,highest,primary,farmer,1549.97,6,none,0,630,1,family_friends,17154.87,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2021,rural,female,46,45-54,second,none,self_employed,123.5,6,good,0,112,1,sacco,1116.9,guarantor,agriculture,1,904.21,0.342,12,101.15,current,not_applicable,moderate_burden
Niger,2021,urban,female,59,55+,second,secondary,farmer,31.5,6,none,0,735,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,male,25,18-24,middle,tertiary,self_employed,228.64,6,excellent,0,850,1,microfinance,1131.12,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2019,urban,female,69,55+,middle,primary,employed_informal,670.19,10,none,0,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,female,36,35-44,lowest,primary,self_employed,38.68,8,none,1,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,female,58,55+,lowest,primary,self_employed,18.94,7,good,0,688,1,family_friends,3962.44,property,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2018,rural,male,67,55+,highest,primary,employed_informal,1366.32,5,none,1,834,1,commercial_bank,5389.54,none,business,1,4831.94,0.154,36,154.95,current,not_applicable,moderate_burden
Rwanda,2024,rural,female,39,35-44,highest,secondary,unemployed,1952.68,2,none,1,208,1,commercial_bank,10695.42,savings,education,1,10025.14,0.206,6,2014.32,late_30_days,not_applicable,moderate_burden
DRC,2020,rural,male,59,55+,second,primary,unemployed,158.73,1,limited,1,192,1,commercial_bank,2340.03,none,business,1,2071.46,0.217,6,420.1,current,not_applicable,moderate_burden
Rwanda,2025,rural,female,55,45-54,fourth,none,farmer,252.56,10,none,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,30,25-34,highest,none,farmer,775.7,4,limited,0,850,1,commercial_bank,2848.47,none,business,1,2502.64,0.177,18,163.6,late_30_days,not_applicable,moderate_burden
Rwanda,2023,rural,male,27,25-34,lowest,tertiary,farmer,67.2,6,none,0,399,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,65,55+,fourth,secondary,employed_formal,113.98,8,limited,0,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,64,55+,lowest,tertiary,employed_informal,40.62,5,none,1,191,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,20,18-24,second,secondary,self_employed,301.58,7,limited,0,272,1,family_friends,5142.66,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2024,rural,female,21,18-24,fourth,none,self_employed,237.1,9,none,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,28,25-34,fourth,secondary,self_employed,350.26,1,none,0,226,1,family_friends,9770.66,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2022,rural,female,58,55+,fourth,secondary,employed_informal,215.84,8,none,0,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,67,55+,second,tertiary,self_employed,192.96,8,limited,0,212,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,48,45-54,second,primary,employed_informal,465.64,2,none,1,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,female,69,55+,lowest,secondary,unemployed,47.36,1,good,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,61,55+,lowest,secondary,employed_informal,111.56,8,excellent,0,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,56,55+,fourth,secondary,unemployed,512.43,2,none,0,142,1,digital_lender,4402.7,vehicle,business,1,3588.84,0.478,12,442.02,defaulted,not_applicable,moderate_burden
Ethiopia,2024,rural,female,46,45-54,middle,secondary,self_employed,126.84,1,limited,0,375,1,family_friends,3028.93,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2018,rural,male,28,25-34,highest,tertiary,farmer,665.78,4,limited,0,560,1,informal_lender,5039.45,none,emergency,1,4301.42,0.813,18,433.15,current,not_applicable,moderate_burden
Kenya,2022,rural,female,28,25-34,lowest,secondary,farmer,34.54,3,excellent,0,393,1,family_friends,703.34,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2025,urban,female,58,55+,second,none,self_employed,258.14,9,limited,0,20,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,male,59,55+,lowest,secondary,farmer,386.87,4,none,0,0,1,commercial_bank,4068.69,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2025,rural,male,65,55+,middle,primary,employed_formal,391.13,6,none,1,654,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,male,20,18-24,fourth,primary,farmer,388.92,7,excellent,1,318,1,microfinance,7835.47,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2018,rural,female,51,45-54,second,secondary,employed_formal,151.01,4,excellent,1,778,1,commercial_bank,11659.7,none,business,1,10162.02,0.187,12,1004.83,current,not_applicable,moderate_burden
Rwanda,2025,urban,male,53,45-54,fourth,secondary,employed_informal,2115.78,6,limited,0,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,male,42,35-44,middle,none,unemployed,191.0,1,limited,0,59,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,female,26,25-34,lowest,secondary,farmer,85.02,6,good,1,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,50,45-54,middle,primary,employed_formal,132.19,10,limited,1,702,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,58,55+,highest,primary,employed_formal,2803.18,6,none,1,744,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,male,38,35-44,fourth,secondary,unemployed,317.34,1,good,0,516,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,female,29,25-34,lowest,secondary,self_employed,29.85,8,limited,0,577,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,52,45-54,lowest,none,self_employed,113.1,8,limited,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,56,55+,middle,secondary,employed_informal,379.62,7,good,1,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,32,25-34,lowest,primary,employed_informal,80.11,4,none,0,0,1,family_friends,9788.64,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2020,rural,female,39,35-44,highest,primary,self_employed,1486.59,2,none,0,50,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,65,55+,middle,secondary,farmer,573.87,9,limited,0,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,36,35-44,highest,primary,employed_formal,346.66,5,none,0,10,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,54,45-54,lowest,none,farmer,51.95,8,none,1,113,1,informal_lender,1554.74,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2024,urban,female,29,25-34,lowest,secondary,self_employed,168.42,10,excellent,1,741,1,family_friends,2422.94,none,emergency,1,2264.73,0.049,36,65.99,paid_off,not_applicable,moderate_burden
Tanzania,2019,urban,male,25,18-24,middle,secondary,employed_informal,307.76,9,none,0,218,1,family_friends,4883.29,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,urban,female,23,18-24,fourth,primary,self_employed,242.72,3,good,1,850,1,commercial_bank,6484.3,none,debt_consolidation,1,6466.43,0.181,12,636.59,current,not_applicable,moderate_burden
Nigeria,2018,rural,male,26,25-34,middle,primary,farmer,554.96,7,limited,0,164,1,informal_lender,2474.32,savings,business,1,2446.92,0.775,18,241.28,current,not_applicable,moderate_burden
Niger,2018,rural,male,33,25-34,middle,tertiary,farmer,157.32,4,excellent,0,246,1,informal_lender,6347.41,savings,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,rural,female,53,45-54,lowest,secondary,farmer,333.92,8,good,0,495,1,microfinance,16221.15,savings,business,1,15852.9,0.295,6,3422.41,paid_off,not_applicable,moderate_burden
Ethiopia,2022,urban,male,59,55+,lowest,none,self_employed,70.77,9,limited,1,159,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,39,35-44,lowest,none,unemployed,35.17,1,none,1,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,62,55+,lowest,secondary,employed_informal,160.26,1,excellent,0,533,1,microfinance,1739.38,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2021,urban,female,34,25-34,highest,primary,employed_informal,752.73,8,good,0,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,female,47,45-54,lowest,primary,self_employed,37.76,5,none,0,662,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,62,55+,middle,secondary,farmer,257.21,9,limited,1,129,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,62,55+,middle,none,self_employed,82.33,4,excellent,0,850,1,informal_lender,3874.53,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2025,urban,male,39,35-44,highest,primary,employed_formal,776.51,6,none,1,457,1,microfinance,6456.38,savings,business,1,5330.51,0.313,12,583.09,paid_off,not_applicable,moderate_burden
Tanzania,2018,urban,male,56,55+,lowest,primary,self_employed,180.06,2,excellent,0,691,1,informal_lender,3240.64,guarantor,business,1,3203.92,0.758,6,938.54,current,not_applicable,moderate_burden
Zambia,2023,rural,male,30,25-34,middle,secondary,employed_informal,290.35,7,none,0,745,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,19,18-24,highest,secondary,employed_formal,750.71,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,55,45-54,second,secondary,employed_formal,209.84,10,limited,1,329,1,commercial_bank,3558.58,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2025,rural,female,54,45-54,second,secondary,employed_informal,148.43,1,none,1,304,1,informal_lender,13258.2,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2022,urban,female,65,55+,highest,primary,farmer,719.0,10,good,1,493,1,commercial_bank,6746.31,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2021,rural,female,55,45-54,fourth,primary,farmer,416.95,8,none,0,434,1,family_friends,4858.28,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2021,rural,male,33,25-34,middle,secondary,employed_formal,338.11,5,good,1,850,1,commercial_bank,18576.48,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Nigeria,2022,rural,male,27,25-34,fourth,secondary,self_employed,213.77,2,none,1,643,1,digital_lender,18521.04,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2018,rural,female,47,45-54,middle,secondary,self_employed,90.79,7,limited,1,4,1,family_friends,1728.9,savings,business,1,1477.06,0.064,24,65.48,current,not_applicable,moderate_burden
Niger,2022,rural,male,39,35-44,middle,secondary,farmer,115.6,5,none,0,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,56,55+,lowest,primary,self_employed,94.5,2,limited,1,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,male,49,45-54,second,primary,employed_formal,375.78,7,limited,1,664,1,microfinance,7056.61,none,asset_purchase,1,5872.96,0.345,12,658.33,late_30_days,not_applicable,moderate_burden
Malawi,2023,rural,female,56,55+,second,secondary,employed_informal,52.17,7,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,46,45-54,highest,none,unemployed,857.78,6,good,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,47,45-54,highest,secondary,self_employed,980.59,1,limited,0,120,1,family_friends,10131.42,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2022,urban,female,69,55+,second,primary,self_employed,201.92,4,limited,1,368,1,microfinance,2648.19,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2019,urban,female,35,25-34,second,primary,self_employed,237.29,2,none,1,170,1,informal_lender,9039.62,vehicle,agriculture,1,8481.7,0.785,12,1261.35,current,not_applicable,moderate_burden
Rwanda,2020,urban,female,26,25-34,fourth,none,employed_formal,321.99,4,limited,0,27,1,informal_lender,8814.47,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2022,urban,female,36,35-44,fourth,tertiary,farmer,514.88,8,good,0,757,1,informal_lender,15574.18,savings,consumption,1,14003.34,0.843,18,1433.81,paid_off,not_applicable,moderate_burden
South Africa,2023,rural,female,58,55+,second,secondary,employed_informal,27.09,7,limited,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,28,25-34,second,primary,farmer,61.97,2,excellent,0,247,1,microfinance,2242.96,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2022,urban,male,26,25-34,middle,tertiary,self_employed,337.31,2,limited,1,75,1,microfinance,5368.82,guarantor,emergency,1,4522.11,0.351,6,1018.03,current,not_applicable,moderate_burden
South Africa,2025,urban,female,55,45-54,highest,primary,employed_formal,975.91,4,none,1,61,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,44,35-44,lowest,none,self_employed,105.47,8,good,1,592,1,commercial_bank,5169.54,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2018,urban,male,39,35-44,second,primary,self_employed,226.94,9,limited,0,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,female,57,55+,highest,none,farmer,854.37,4,good,1,277,1,family_friends,4743.27,savings,asset_purchase,1,4523.98,0.065,24,200.71,current,not_applicable,moderate_burden
Rwanda,2025,rural,female,50,45-54,second,primary,unemployed,67.51,1,limited,0,336,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,female,19,18-24,middle,none,self_employed,133.76,10,limited,0,70,1,family_friends,2039.19,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2025,rural,female,30,25-34,second,secondary,farmer,80.35,5,none,0,391,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,50,45-54,second,none,farmer,164.27,6,good,1,529,1,commercial_bank,2516.06,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2024,rural,male,56,55+,second,secondary,farmer,318.8,1,none,0,520,1,family_friends,3638.13,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2024,rural,female,27,25-34,second,none,farmer,222.23,1,limited,1,758,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,male,50,45-54,second,tertiary,employed_formal,277.7,7,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,55,45-54,fourth,secondary,unemployed,1380.94,1,none,0,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,male,31,25-34,fourth,secondary,unemployed,367.17,2,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,27,25-34,second,none,farmer,55.74,2,good,0,669,1,sacco,661.45,equipment,education,1,574.94,0.348,18,43.04,late_30_days,not_applicable,moderate_burden
Malawi,2021,rural,female,34,25-34,highest,secondary,self_employed,2999.36,7,none,0,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,48,45-54,lowest,primary,farmer,39.92,2,none,1,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,female,60,55+,fourth,primary,self_employed,297.88,9,none,1,40,1,informal_lender,2638.63,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2018,rural,male,49,45-54,highest,secondary,self_employed,597.17,3,none,0,580,1,employer,7753.66,none,business,1,7646.7,0.096,12,698.56,late_30_days,not_applicable,moderate_burden
Tanzania,2019,urban,male,23,18-24,fourth,none,self_employed,371.9,8,limited,1,229,1,commercial_bank,4486.83,guarantor,consumption,1,4135.01,0.207,18,277.23,late_60_days,not_applicable,moderate_burden
Nigeria,2018,rural,male,59,55+,second,secondary,employed_informal,175.18,10,good,1,115,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,female,47,45-54,highest,primary,employed_informal,820.68,9,good,0,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,37,35-44,lowest,primary,employed_informal,51.02,8,none,1,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,52,45-54,middle,tertiary,farmer,456.61,7,limited,1,97,1,commercial_bank,6810.86,savings,business,1,6440.62,0.137,12,610.25,defaulted,not_applicable,moderate_burden
Niger,2018,rural,male,54,45-54,second,none,self_employed,52.82,6,none,0,529,1,digital_lender,1343.92,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mozambique,2023,rural,female,57,55+,fourth,primary,employed_informal,243.8,9,none,0,477,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,31,25-34,fourth,primary,employed_informal,285.11,2,limited,0,301,1,family_friends,5470.67,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2024,rural,male,61,55+,middle,none,farmer,353.65,1,limited,1,603,1,informal_lender,8048.57,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2018,urban,female,46,45-54,second,primary,self_employed,219.22,6,limited,1,823,1,family_friends,1770.55,property,business,1,1682.29,0.062,12,148.88,current,not_applicable,moderate_burden
South Africa,2024,urban,female,65,55+,highest,primary,farmer,839.28,3,none,0,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,23,18-24,second,secondary,employed_informal,183.77,4,limited,1,818,1,commercial_bank,9183.61,savings,business,1,8079.37,0.146,6,1543.05,current,not_applicable,moderate_burden
Rwanda,2024,urban,male,42,35-44,fourth,none,employed_formal,1278.83,9,none,0,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,female,33,25-34,lowest,secondary,farmer,58.1,8,none,0,707,1,informal_lender,3417.48,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2019,rural,male,35,25-34,second,secondary,employed_formal,93.58,10,good,0,841,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,53,45-54,second,secondary,unemployed,495.19,1,good,1,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,55,45-54,lowest,primary,farmer,119.85,6,none,0,179,1,family_friends,6716.8,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2022,rural,male,25,18-24,middle,primary,unemployed,273.9,2,none,1,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,female,40,35-44,lowest,secondary,employed_informal,198.35,6,limited,0,810,1,informal_lender,4658.51,guarantor,business,1,3790.92,0.766,18,371.95,late_60_days,not_applicable,moderate_burden
Senegal,2021,rural,male,23,18-24,middle,primary,employed_informal,92.38,9,limited,0,413,1,sacco,1897.17,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2018,rural,female,53,45-54,lowest,secondary,self_employed,118.43,10,limited,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,female,57,55+,lowest,none,self_employed,141.06,7,good,0,450,1,informal_lender,4495.02,guarantor,housing,1,4145.38,0.798,36,207.08,paid_off,not_applicable,moderate_burden
Mozambique,2018,urban,male,47,45-54,middle,secondary,self_employed,443.17,10,none,0,398,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,26,25-34,lowest,none,employed_formal,66.12,10,good,1,442,1,commercial_bank,1764.56,savings,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2023,urban,female,57,55+,middle,primary,unemployed,346.16,2,none,1,601,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,36,35-44,middle,primary,self_employed,122.7,3,none,0,689,1,family_friends,4245.92,none,education,1,3531.96,0.083,12,318.88,current,not_applicable,moderate_burden
Zambia,2024,urban,female,21,18-24,lowest,primary,employed_informal,90.79,4,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,37,35-44,middle,primary,employed_informal,183.47,2,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,urban,female,51,45-54,middle,none,self_employed,292.81,4,limited,1,218,1,commercial_bank,15507.56,savings,agriculture,1,14980.44,0.207,6,3014.13,defaulted,not_applicable,moderate_burden
Zambia,2025,rural,female,30,25-34,second,primary,self_employed,142.14,7,good,0,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,58,55+,second,primary,self_employed,90.57,2,good,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,47,45-54,second,primary,employed_informal,265.15,9,limited,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,male,34,25-34,second,secondary,self_employed,64.89,9,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,female,56,55+,fourth,primary,self_employed,371.51,2,limited,1,320,1,commercial_bank,2872.41,property,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2019,urban,male,55,45-54,middle,secondary,self_employed,360.04,8,good,0,145,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,37,35-44,second,primary,farmer,85.93,7,none,1,0,1,commercial_bank,2357.75,guarantor,asset_purchase,1,2333.34,0.205,18,156.23,paid_off,not_applicable,moderate_burden
Malawi,2020,rural,female,43,35-44,middle,primary,self_employed,127.73,3,limited,1,432,1,commercial_bank,1620.38,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2023,rural,male,50,45-54,second,secondary,self_employed,75.23,4,limited,0,202,1,microfinance,996.59,equipment,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2020,rural,female,64,55+,lowest,primary,employed_informal,38.13,2,good,1,378,1,family_friends,1737.7,none,emergency,1,1521.9,0.015,24,64.37,current,not_applicable,moderate_burden
DRC,2023,urban,female,21,18-24,second,primary,employed_formal,162.91,10,none,1,176,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,38,35-44,middle,primary,farmer,78.29,4,good,1,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,54,45-54,fourth,primary,employed_formal,161.05,6,none,0,449,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,30,25-34,middle,primary,self_employed,112.33,7,none,0,712,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,42,35-44,lowest,secondary,self_employed,80.37,10,none,1,38,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,41,35-44,highest,primary,self_employed,278.88,3,limited,1,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,61,55+,second,primary,unemployed,155.99,5,good,1,679,1,digital_lender,4598.08,savings,consumption,1,4137.66,0.419,12,489.27,late_30_days,not_applicable,moderate_burden
South Africa,2023,rural,female,48,45-54,lowest,secondary,employed_formal,111.05,5,none,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,32,25-34,second,tertiary,unemployed,95.54,1,limited,1,554,1,commercial_bank,1083.27,savings,business,1,918.3,0.197,6,183.17,current,not_applicable,moderate_burden
Tanzania,2018,rural,female,51,45-54,middle,secondary,farmer,76.31,8,limited,1,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,62,55+,second,tertiary,employed_informal,59.16,9,good,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,24,18-24,lowest,primary,self_employed,28.35,6,none,0,220,1,family_friends,2753.97,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2023,urban,male,25,18-24,second,primary,self_employed,103.04,5,limited,0,769,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,female,32,25-34,fourth,primary,self_employed,279.69,8,limited,0,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,55,45-54,fourth,secondary,self_employed,191.91,4,none,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,59,55+,lowest,none,self_employed,79.38,6,none,0,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,36,35-44,lowest,tertiary,self_employed,38.85,8,none,0,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,male,50,45-54,lowest,secondary,self_employed,47.64,2,limited,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,female,38,35-44,lowest,secondary,unemployed,30.13,1,none,0,38,1,microfinance,8544.76,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2024,rural,female,35,25-34,middle,primary,self_employed,196.71,6,good,0,462,1,informal_lender,5013.01,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2018,rural,female,33,25-34,middle,secondary,farmer,203.16,9,limited,0,441,1,family_friends,4899.77,none,consumption,1,4767.7,0.023,24,203.29,current,not_applicable,moderate_burden
Kenya,2020,urban,male,65,55+,second,secondary,farmer,133.74,3,limited,1,291,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,66,55+,second,secondary,employed_formal,161.61,9,none,0,0,1,family_friends,2612.63,savings,business,1,2228.99,0.09,12,202.48,current,not_applicable,moderate_burden
Rwanda,2019,rural,female,22,18-24,highest,primary,employed_informal,209.06,5,none,0,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,57,55+,lowest,primary,self_employed,142.23,10,excellent,1,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,23,18-24,fourth,primary,employed_informal,396.0,9,good,0,740,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,male,65,55+,highest,tertiary,employed_informal,422.07,6,limited,0,652,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,female,30,25-34,fourth,primary,farmer,260.75,3,limited,0,606,1,family_friends,5454.5,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2025,urban,male,31,25-34,second,none,farmer,201.75,6,limited,0,166,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,female,37,35-44,fourth,secondary,unemployed,493.16,5,none,0,718,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,44,35-44,second,secondary,self_employed,126.09,10,none,0,537,1,informal_lender,3381.38,guarantor,emergency,1,2911.86,0.806,6,876.44,current,not_applicable,moderate_burden
Uganda,2019,rural,female,24,18-24,middle,primary,self_employed,559.43,1,none,1,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,25,18-24,highest,none,self_employed,2400.88,9,limited,0,422,1,microfinance,10634.54,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2018,rural,male,35,25-34,second,secondary,employed_formal,123.03,10,none,0,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,40,35-44,middle,primary,farmer,136.5,1,limited,0,231,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,44,35-44,lowest,primary,farmer,111.25,3,good,1,132,1,commercial_bank,1085.28,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2020,urban,female,50,45-54,second,tertiary,farmer,47.85,3,none,0,654,1,family_friends,2606.29,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2023,rural,female,64,55+,fourth,none,employed_informal,571.89,10,limited,1,684,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,25,18-24,lowest,primary,unemployed,46.65,1,none,0,689,1,microfinance,5057.27,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2025,rural,male,41,35-44,highest,primary,self_employed,921.82,5,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,39,35-44,highest,tertiary,farmer,956.82,9,good,1,850,1,commercial_bank,9411.35,none,education,1,8780.55,0.161,18,566.27,current,not_applicable,moderate_burden
Ethiopia,2022,urban,male,42,35-44,highest,primary,employed_informal,1695.77,1,none,1,158,1,microfinance,19747.26,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2021,urban,female,25,18-24,second,tertiary,farmer,46.2,9,none,1,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,40,35-44,highest,tertiary,farmer,364.2,1,none,1,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,58,55+,second,secondary,self_employed,291.13,1,none,0,0,1,sacco,4466.98,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2025,rural,male,33,25-34,middle,secondary,self_employed,178.1,7,none,1,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,female,22,18-24,middle,tertiary,self_employed,243.47,9,none,1,372,1,commercial_bank,15767.02,equipment,consumption,1,13903.13,0.173,12,1358.5,paid_off,not_applicable,moderate_burden
Ghana,2024,rural,female,67,55+,lowest,tertiary,self_employed,124.03,6,limited,1,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,60,55+,second,none,farmer,169.45,7,limited,1,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,22,18-24,highest,tertiary,farmer,902.46,5,good,0,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,19,18-24,middle,secondary,employed_formal,1627.18,4,limited,0,820,1,family_friends,15863.37,savings,housing,1,15580.12,0.018,12,1321.29,defaulted,not_applicable,moderate_burden
Senegal,2021,urban,female,60,55+,highest,secondary,self_employed,1735.68,7,limited,0,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,49,45-54,fourth,secondary,employed_informal,897.97,9,limited,1,401,1,microfinance,6410.96,property,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2019,rural,male,23,18-24,second,none,unemployed,28.57,1,limited,1,374,1,commercial_bank,1408.99,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,rural,female,65,55+,second,primary,employed_formal,117.65,10,good,1,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,female,69,55+,second,primary,employed_informal,243.64,9,none,1,20,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,57,55+,second,none,self_employed,79.61,7,limited,0,178,1,informal_lender,5132.01,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2024,rural,male,55,45-54,lowest,primary,farmer,21.63,9,good,1,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,male,35,25-34,fourth,primary,unemployed,380.21,1,excellent,0,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,21,18-24,lowest,secondary,self_employed,20.28,1,limited,0,128,1,sacco,1561.33,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2023,rural,male,53,45-54,second,tertiary,employed_informal,103.16,10,none,1,150,1,commercial_bank,3318.81,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2023,urban,male,26,25-34,second,none,employed_formal,165.96,8,none,1,475,1,commercial_bank,4171.14,vehicle,business,1,3823.67,0.228,12,391.16,current,not_applicable,moderate_burden
South Africa,2021,urban,female,47,45-54,fourth,secondary,employed_informal,196.39,10,none,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,37,35-44,middle,secondary,self_employed,163.12,5,none,1,585,1,employer,4451.22,none,education,1,3946.52,0.055,6,694.03,current,not_applicable,moderate_burden
Senegal,2020,urban,male,47,45-54,second,secondary,employed_formal,55.43,10,none,1,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,48,45-54,highest,none,farmer,625.75,8,limited,1,303,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,male,30,25-34,fourth,none,employed_formal,191.98,10,limited,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,21,18-24,second,secondary,employed_informal,531.47,6,good,0,109,1,microfinance,8045.25,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2021,urban,male,18,18-24,middle,secondary,employed_informal,216.11,3,none,1,239,1,commercial_bank,3897.31,property,education,1,3688.9,0.145,24,175.92,current,not_applicable,moderate_burden
Malawi,2024,rural,male,36,35-44,highest,primary,unemployed,775.55,6,good,1,836,1,commercial_bank,4457.38,none,emergency,1,4020.07,0.222,24,204.73,current,not_applicable,moderate_burden
Kenya,2019,rural,male,49,45-54,second,secondary,employed_informal,123.1,3,good,0,850,1,informal_lender,6020.99,property,housing,1,5995.82,0.769,6,1767.73,current,not_applicable,moderate_burden
Niger,2020,rural,male,43,35-44,fourth,secondary,employed_informal,300.88,1,limited,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,47,45-54,lowest,primary,farmer,23.33,5,good,0,671,1,family_friends,2699.85,vehicle,consumption,1,2409.89,0.009,24,101.27,current,not_applicable,moderate_burden
Mozambique,2025,rural,male,50,45-54,middle,primary,farmer,219.45,6,none,1,81,1,microfinance,2330.85,property,emergency,1,2113.36,0.306,36,76.67,late_60_days,not_applicable,moderate_burden
Rwanda,2020,urban,female,65,55+,second,none,employed_informal,260.07,8,limited,0,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,33,25-34,highest,secondary,farmer,1111.12,7,limited,0,163,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,19,18-24,second,tertiary,self_employed,61.33,6,none,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,female,56,55+,fourth,primary,farmer,91.12,10,none,1,413,1,microfinance,4289.38,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2020,urban,female,22,18-24,second,secondary,employed_informal,150.03,10,none,1,575,1,sacco,5533.45,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Rwanda,2019,rural,male,36,35-44,lowest,primary,employed_informal,29.29,4,good,1,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,40,35-44,second,primary,farmer,93.33,8,none,1,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,69,55+,second,primary,unemployed,299.96,6,good,0,199,1,informal_lender,8355.03,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2024,urban,female,22,18-24,second,primary,employed_informal,63.78,1,good,0,796,1,informal_lender,2485.87,guarantor,business,1,2225.29,0.825,12,338.38,current,not_applicable,moderate_burden
Nigeria,2024,urban,male,30,25-34,second,primary,farmer,193.33,7,limited,0,548,1,family_friends,7915.27,none,housing,1,7434.78,0.084,18,447.86,current,not_applicable,moderate_burden
Malawi,2020,rural,male,41,35-44,highest,tertiary,farmer,1315.39,7,limited,1,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,44,35-44,fourth,none,unemployed,377.17,1,limited,0,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,47,45-54,fourth,primary,farmer,463.9,4,limited,0,386,1,microfinance,5181.27,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2021,rural,female,55,45-54,lowest,none,employed_formal,40.34,10,none,0,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,41,35-44,lowest,primary,unemployed,81.3,5,limited,0,135,1,family_friends,998.74,guarantor,agriculture,1,828.8,0.067,24,36.85,paid_off,not_applicable,moderate_burden
Tanzania,2023,rural,female,57,55+,fourth,primary,farmer,550.39,3,none,0,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,67,55+,fourth,secondary,self_employed,684.77,7,limited,0,719,1,family_friends,3710.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2024,rural,male,26,25-34,highest,tertiary,employed_informal,978.03,9,limited,0,736,1,microfinance,5000.89,vehicle,emergency,1,4680.67,0.331,48,129.84,paid_off,not_applicable,moderate_burden
Niger,2018,urban,male,50,45-54,second,primary,employed_informal,138.46,3,excellent,1,694,1,commercial_bank,3198.61,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2019,rural,female,41,35-44,highest,none,farmer,4090.65,8,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,urban,male,42,35-44,highest,secondary,self_employed,2256.91,1,none,1,606,1,commercial_bank,3792.94,none,business,1,3761.06,0.197,12,375.11,current,not_applicable,moderate_burden
Mozambique,2024,urban,male,20,18-24,middle,tertiary,employed_informal,366.58,2,none,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,male,30,25-34,second,primary,farmer,167.29,9,limited,1,490,1,commercial_bank,2259.56,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2019,urban,female,29,25-34,second,primary,self_employed,219.72,7,none,0,42,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,20,18-24,highest,tertiary,farmer,2931.41,2,none,1,284,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,19,18-24,second,primary,self_employed,63.51,4,none,1,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,male,20,18-24,second,primary,employed_informal,96.32,9,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,male,52,45-54,highest,tertiary,employed_formal,845.79,4,none,0,533,1,informal_lender,4382.83,guarantor,agriculture,1,4305.15,0.765,12,633.1,late_30_days,not_applicable,moderate_burden
Uganda,2024,urban,female,23,18-24,highest,tertiary,employed_informal,885.98,6,limited,1,644,1,commercial_bank,7228.03,guarantor,education,1,6697.42,0.15,18,427.86,paid_off,not_applicable,moderate_burden
Malawi,2018,rural,male,57,55+,fourth,secondary,farmer,399.81,9,excellent,0,751,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,male,45,35-44,lowest,primary,employed_informal,68.18,6,none,0,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,56,55+,fourth,tertiary,employed_informal,198.75,3,good,0,193,1,informal_lender,4452.51,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2022,rural,female,64,55+,lowest,tertiary,self_employed,38.4,4,limited,1,432,1,microfinance,1482.96,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2022,urban,male,47,45-54,highest,secondary,farmer,2945.36,7,none,0,428,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,33,25-34,fourth,primary,self_employed,196.56,2,none,0,0,1,informal_lender,1753.59,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2025,rural,female,23,18-24,middle,tertiary,employed_informal,263.65,7,none,0,354,1,informal_lender,8414.95,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2025,urban,male,65,55+,lowest,primary,employed_informal,336.23,5,none,1,196,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,28,25-34,lowest,primary,employed_informal,69.44,1,none,1,36,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,female,53,45-54,lowest,tertiary,employed_formal,48.56,5,none,1,156,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,male,20,18-24,lowest,primary,self_employed,127.53,7,none,1,44,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,male,34,25-34,lowest,primary,employed_informal,83.5,5,limited,1,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,38,35-44,highest,primary,unemployed,366.6,5,limited,0,728,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,male,66,55+,fourth,primary,employed_informal,322.15,5,none,1,414,1,commercial_bank,5455.93,property,business,1,5447.04,0.221,18,369.57,current,not_applicable,moderate_burden
Zambia,2019,urban,female,27,25-34,middle,primary,employed_formal,513.64,4,limited,0,59,1,employer,3181.41,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2024,rural,male,27,25-34,highest,primary,farmer,197.17,10,none,1,153,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,56,55+,fourth,primary,employed_informal,247.34,2,none,1,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,18,18-24,lowest,secondary,unemployed,152.31,6,limited,0,28,1,family_friends,4173.04,none,housing,1,3775.24,0.082,24,170.25,paid_off,not_applicable,moderate_burden
Kenya,2019,urban,male,59,55+,highest,primary,farmer,673.54,2,limited,0,842,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,65,55+,fourth,none,employed_informal,877.69,5,none,0,89,1,family_friends,3281.51,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2024,urban,male,20,18-24,highest,primary,employed_informal,544.89,3,limited,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,female,64,55+,fourth,tertiary,self_employed,514.8,1,limited,0,352,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,female,36,35-44,second,tertiary,self_employed,216.11,8,good,1,850,1,sacco,14902.59,savings,education,1,13258.13,0.271,36,468.08,late_30_days,not_applicable,moderate_burden
Ghana,2023,rural,male,48,45-54,fourth,primary,farmer,388.37,1,none,0,651,1,informal_lender,8948.89,equipment,business,1,7263.47,0.823,12,1103.25,current,not_applicable,moderate_burden
Uganda,2022,urban,male,47,45-54,highest,secondary,self_employed,433.74,2,none,0,812,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,female,50,45-54,lowest,none,employed_informal,28.39,6,limited,0,682,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,male,54,45-54,second,tertiary,employed_formal,172.93,9,none,0,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,53,45-54,second,primary,self_employed,207.21,3,good,0,802,1,digital_lender,6564.87,none,agriculture,1,5823.4,0.467,6,1424.1,late_30_days,not_applicable,moderate_burden
Zambia,2019,rural,female,31,25-34,middle,none,unemployed,404.2,2,limited,0,791,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,28,25-34,second,primary,self_employed,609.75,1,none,1,429,1,commercial_bank,7700.84,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2024,rural,female,49,45-54,lowest,secondary,self_employed,28.74,5,none,0,654,1,microfinance,1351.35,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2022,urban,female,48,45-54,fourth,secondary,farmer,252.61,8,limited,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,18,18-24,second,none,unemployed,143.08,1,none,0,731,1,employer,5485.38,property,housing,1,5222.13,0.082,12,470.66,defaulted,not_applicable,moderate_burden
Uganda,2019,rural,male,29,25-34,middle,none,self_employed,186.12,6,good,0,803,1,informal_lender,3391.61,guarantor,business,1,3213.01,0.849,18,330.01,current,not_applicable,moderate_burden
Niger,2025,urban,male,18,18-24,fourth,secondary,farmer,952.97,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,49,45-54,second,tertiary,self_employed,100.97,8,good,0,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,rural,female,24,18-24,middle,tertiary,employed_formal,127.04,4,limited,1,802,1,commercial_bank,6197.28,vehicle,business,1,5625.08,0.14,18,356.11,current,not_applicable,moderate_burden
DRC,2025,rural,male,24,18-24,second,primary,employed_formal,148.06,8,limited,1,41,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,female,51,45-54,second,primary,unemployed,149.33,1,none,1,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,female,19,18-24,second,tertiary,employed_informal,183.05,7,limited,0,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,urban,female,37,35-44,second,tertiary,self_employed,174.75,4,none,1,664,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,male,43,35-44,second,tertiary,farmer,334.18,1,none,1,10,1,commercial_bank,12604.45,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2018,urban,female,21,18-24,middle,none,farmer,153.34,7,limited,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,53,45-54,middle,primary,farmer,483.41,3,none,0,555,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,32,25-34,highest,secondary,unemployed,713.19,1,none,0,353,1,family_friends,4277.22,vehicle,education,1,4061.14,0.08,24,182.81,current,not_applicable,moderate_burden
DRC,2023,rural,female,52,45-54,second,tertiary,self_employed,44.68,8,limited,0,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,female,64,55+,middle,primary,farmer,1176.77,4,limited,1,657,1,microfinance,7100.94,none,agriculture,1,6736.55,0.308,18,489.66,current,not_applicable,moderate_burden
Niger,2023,rural,female,55,45-54,middle,secondary,employed_formal,499.28,10,limited,1,42,1,commercial_bank,6610.54,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Nigeria,2022,rural,male,28,25-34,highest,secondary,employed_informal,700.06,8,none,0,287,1,family_friends,12124.67,property,business,1,10871.72,0.016,12,920.22,current,not_applicable,moderate_burden
DRC,2025,urban,male,26,25-34,lowest,none,farmer,309.95,9,limited,1,818,1,sacco,4213.43,guarantor,emergency,1,3428.01,0.338,6,764.58,current,not_applicable,moderate_burden
Senegal,2023,rural,female,42,35-44,middle,tertiary,unemployed,723.66,1,good,0,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,40,35-44,middle,primary,employed_informal,551.58,8,none,0,71,1,employer,7161.52,savings,business,1,6102.71,0.065,36,180.54,paid_off,not_applicable,moderate_burden
Kenya,2018,rural,female,57,55+,lowest,none,employed_informal,76.72,3,limited,0,741,1,informal_lender,289.05,none,agriculture,1,275.98,0.837,12,42.26,defaulted,not_applicable,moderate_burden
DRC,2019,rural,male,64,55+,lowest,secondary,employed_formal,136.84,10,limited,0,552,1,informal_lender,1795.8,none,asset_purchase,1,1775.27,0.799,6,532.23,late_60_days,not_applicable,moderate_burden
Mali,2021,urban,male,47,45-54,lowest,primary,employed_formal,52.58,4,none,0,349,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,female,49,45-54,lowest,tertiary,unemployed,57.32,1,none,0,507,1,family_friends,6041.42,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2019,rural,female,37,35-44,middle,tertiary,employed_formal,613.36,4,limited,1,266,1,commercial_bank,8301.45,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2024,rural,male,59,55+,fourth,primary,farmer,663.66,5,none,1,351,1,employer,4095.28,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2020,rural,female,38,35-44,middle,none,employed_formal,253.22,10,limited,1,708,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,25,18-24,second,tertiary,employed_informal,27.74,4,good,0,408,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,female,39,35-44,fourth,none,employed_informal,312.57,1,limited,0,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,31,25-34,second,secondary,employed_formal,276.67,5,none,1,491,1,microfinance,4741.69,none,agriculture,1,3952.07,0.326,18,291.11,paid_off,not_applicable,moderate_burden
DRC,2021,rural,female,50,45-54,second,primary,unemployed,145.34,6,none,0,140,1,digital_lender,2543.15,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2025,urban,male,50,45-54,middle,none,unemployed,109.0,1,excellent,0,767,1,microfinance,5584.41,guarantor,agriculture,1,5569.5,0.329,12,617.02,current,not_applicable,moderate_burden
Ghana,2021,rural,male,58,55+,fourth,primary,farmer,569.34,7,none,1,391,1,microfinance,3695.39,savings,agriculture,1,3039.98,0.317,18,222.39,current,not_applicable,moderate_burden
Tanzania,2019,urban,female,64,55+,lowest,primary,farmer,159.04,4,none,0,431,1,informal_lender,4021.2,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2018,rural,male,32,25-34,second,primary,employed_informal,133.64,5,none,0,437,1,sacco,6317.59,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2020,rural,female,61,55+,fourth,none,unemployed,223.09,3,none,0,190,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,49,45-54,lowest,primary,farmer,50.12,2,none,0,0,1,digital_lender,2973.23,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2022,urban,female,26,25-34,lowest,primary,self_employed,147.04,4,none,0,113,1,family_friends,6577.4,none,business,1,5643.89,0.083,18,339.42,current,not_applicable,moderate_burden
Tanzania,2023,urban,male,39,35-44,middle,tertiary,farmer,1063.05,9,limited,0,803,1,family_friends,5271.61,equipment,agriculture,1,4698.21,0.075,12,421.05,current,not_applicable,moderate_burden
Ethiopia,2025,urban,female,43,35-44,middle,tertiary,employed_informal,206.04,1,limited,0,354,1,commercial_bank,3266.46,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2025,rural,female,55,45-54,middle,primary,employed_informal,128.51,6,limited,0,130,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,49,45-54,highest,tertiary,employed_informal,1488.7,4,none,0,620,1,family_friends,16297.66,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2023,rural,male,57,55+,highest,none,self_employed,998.75,9,none,1,630,1,sacco,10077.86,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2022,rural,female,56,55+,second,primary,unemployed,178.34,5,none,0,56,1,employer,2357.02,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2019,urban,female,39,35-44,second,secondary,self_employed,228.52,6,limited,1,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,32,25-34,lowest,secondary,farmer,30.8,10,none,0,614,1,employer,1417.0,vehicle,agriculture,1,1196.63,0.044,18,69.38,current,not_applicable,moderate_burden
Kenya,2018,urban,female,48,45-54,highest,secondary,unemployed,957.32,5,none,1,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,54,45-54,second,primary,employed_formal,86.92,4,good,1,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,66,55+,middle,none,farmer,146.59,4,none,0,576,1,informal_lender,2135.65,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2022,urban,male,20,18-24,highest,primary,farmer,1322.86,7,limited,0,815,1,microfinance,13995.98,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2020,urban,male,50,45-54,second,secondary,farmer,1096.3,9,none,1,655,1,commercial_bank,4172.49,guarantor,asset_purchase,1,3652.63,0.215,24,184.86,late_30_days,not_applicable,moderate_burden
Kenya,2019,rural,female,35,25-34,fourth,primary,unemployed,363.56,1,limited,0,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,25,18-24,middle,secondary,employed_informal,813.92,10,limited,1,76,1,digital_lender,2619.49,guarantor,business,1,2301.49,0.479,18,189.13,current,not_applicable,moderate_burden
Rwanda,2025,rural,male,61,55+,second,none,unemployed,70.23,1,good,0,367,1,commercial_bank,1079.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2023,urban,male,63,55+,middle,primary,self_employed,195.1,1,none,0,384,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,female,35,25-34,middle,primary,farmer,350.69,3,good,0,351,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,rural,male,62,55+,lowest,none,self_employed,46.14,2,excellent,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,49,45-54,lowest,secondary,farmer,252.15,3,limited,0,238,1,family_friends,5232.01,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2019,urban,female,39,35-44,lowest,none,unemployed,42.13,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,65,55+,second,primary,self_employed,135.6,8,none,1,124,1,digital_lender,1499.99,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2019,rural,female,55,45-54,middle,secondary,employed_informal,178.32,8,good,0,850,1,sacco,1584.47,none,housing,1,1437.6,0.302,18,103.97,current,not_applicable,moderate_burden
Malawi,2025,rural,female,41,35-44,fourth,none,employed_informal,1001.71,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,44,35-44,lowest,none,farmer,312.63,2,limited,1,309,1,family_friends,6847.91,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2023,rural,female,63,55+,lowest,secondary,employed_informal,40.83,3,limited,0,329,1,microfinance,1233.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Kenya,2020,rural,male,28,25-34,middle,secondary,employed_informal,302.48,4,good,1,304,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,21,18-24,fourth,secondary,employed_formal,116.92,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,27,25-34,second,secondary,self_employed,45.3,7,none,1,606,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,male,42,35-44,lowest,tertiary,unemployed,62.78,3,limited,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,female,59,55+,middle,none,self_employed,111.49,1,good,1,769,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,female,53,45-54,highest,tertiary,self_employed,4181.76,8,limited,1,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,female,66,55+,lowest,secondary,farmer,66.88,5,none,1,658,1,sacco,8890.31,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2018,urban,male,20,18-24,fourth,secondary,farmer,565.55,9,excellent,0,160,1,employer,7434.45,none,housing,1,6748.12,0.07,24,300.92,late_60_days,not_applicable,moderate_burden
Niger,2024,rural,male,40,35-44,middle,primary,farmer,1109.69,7,excellent,1,850,1,informal_lender,14495.73,none,business,1,13497.93,0.814,18,1360.08,current,not_applicable,moderate_burden
DRC,2025,rural,female,53,45-54,middle,secondary,self_employed,638.39,5,good,0,850,1,microfinance,3573.41,guarantor,education,1,2945.41,0.351,12,331.61,current,not_applicable,moderate_burden
DRC,2025,rural,male,51,45-54,second,secondary,self_employed,267.12,10,limited,1,574,1,family_friends,4014.32,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2021,urban,female,62,55+,fourth,secondary,self_employed,204.67,2,none,1,378,1,digital_lender,2756.47,equipment,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2023,urban,female,63,55+,fourth,secondary,employed_informal,222.79,4,limited,1,116,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,63,55+,highest,primary,unemployed,966.85,1,none,0,89,1,family_friends,4901.23,none,asset_purchase,1,4053.16,0.006,18,226.49,late_60_days,not_applicable,moderate_burden
Ghana,2021,urban,female,36,35-44,highest,primary,self_employed,1040.77,7,good,0,305,1,commercial_bank,13249.04,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2023,urban,female,55,45-54,highest,primary,self_employed,456.58,3,limited,0,710,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,26,25-34,highest,secondary,farmer,612.99,8,limited,1,663,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,52,45-54,second,tertiary,employed_formal,524.62,5,limited,1,99,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,urban,female,52,45-54,middle,secondary,self_employed,208.27,9,none,0,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,36,35-44,middle,primary,self_employed,530.28,8,good,1,225,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,male,29,25-34,lowest,primary,employed_informal,265.2,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,urban,male,37,35-44,lowest,secondary,farmer,87.15,8,none,1,375,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,63,55+,middle,primary,employed_formal,169.22,4,none,0,466,1,employer,2754.13,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2025,urban,male,22,18-24,lowest,secondary,unemployed,83.32,1,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,female,63,55+,middle,primary,farmer,185.28,5,none,0,144,1,microfinance,1238.14,property,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2023,urban,female,23,18-24,middle,primary,self_employed,203.09,6,limited,1,430,1,family_friends,3099.97,guarantor,emergency,1,2798.52,0.084,12,252.84,late_30_days,not_applicable,moderate_burden
South Africa,2022,rural,male,19,18-24,lowest,secondary,unemployed,18.48,1,good,1,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,68,55+,second,tertiary,unemployed,99.37,5,none,0,295,1,microfinance,1972.72,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2018,urban,female,30,25-34,highest,none,employed_formal,1247.76,7,limited,1,633,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,39,35-44,middle,secondary,employed_formal,295.08,9,none,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,28,25-34,middle,tertiary,employed_formal,84.51,10,none,1,0,1,microfinance,6831.51,guarantor,business,1,6120.42,0.293,18,439.54,late_60_days,not_applicable,moderate_burden
Tanzania,2021,urban,male,24,18-24,fourth,none,unemployed,715.45,1,limited,1,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,male,61,55+,middle,secondary,employed_informal,312.48,9,good,1,285,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,63,55+,second,primary,farmer,80.96,2,none,0,217,1,digital_lender,1546.68,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2020,rural,male,36,35-44,second,primary,employed_formal,112.15,10,none,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,63,55+,lowest,none,self_employed,27.37,6,limited,1,469,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,male,41,35-44,fourth,tertiary,employed_informal,724.47,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,35,25-34,lowest,secondary,farmer,154.83,6,none,1,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,47,45-54,fourth,secondary,farmer,319.38,1,limited,1,509,1,microfinance,6320.31,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2019,urban,male,21,18-24,second,primary,farmer,130.56,5,good,1,363,1,family_friends,1820.07,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2018,urban,female,33,25-34,highest,primary,farmer,1582.78,7,none,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,38,35-44,highest,tertiary,unemployed,339.96,1,good,1,320,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,female,68,55+,middle,none,unemployed,100.67,2,good,1,753,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,18,18-24,fourth,secondary,employed_formal,134.16,9,none,0,593,1,family_friends,1339.01,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2023,rural,female,25,18-24,lowest,primary,unemployed,65.87,6,good,0,238,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,31,25-34,middle,primary,unemployed,69.45,2,none,1,733,1,microfinance,4140.56,property,business,1,3465.47,0.349,24,194.85,paid_off,not_applicable,moderate_burden
Niger,2021,rural,female,65,55+,fourth,secondary,employed_informal,344.8,7,none,0,640,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,male,55,45-54,second,none,employed_formal,63.13,10,none,1,354,1,digital_lender,4027.06,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2019,rural,male,41,35-44,middle,secondary,employed_informal,101.04,2,limited,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,30,25-34,second,tertiary,farmer,340.67,3,limited,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,rural,male,35,25-34,middle,primary,employed_formal,141.17,10,good,0,527,1,sacco,1630.57,equipment,business,1,1327.8,0.321,12,146.15,paid_off,not_applicable,moderate_burden
Ethiopia,2020,rural,female,26,25-34,lowest,tertiary,employed_formal,24.44,4,good,0,831,1,family_friends,1329.65,savings,asset_purchase,1,1253.51,0.014,24,52.94,late_30_days,not_applicable,moderate_burden
Mali,2025,urban,female,26,25-34,second,secondary,employed_formal,171.28,6,excellent,1,850,1,commercial_bank,5481.31,equipment,education,1,5326.77,0.21,48,134.26,paid_off,not_applicable,moderate_burden
Ethiopia,2021,rural,male,24,18-24,second,secondary,self_employed,85.8,8,good,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,60,55+,lowest,tertiary,self_employed,47.05,5,limited,1,761,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,urban,male,31,25-34,fourth,secondary,self_employed,457.38,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,44,35-44,fourth,primary,unemployed,249.98,5,limited,0,711,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,male,66,55+,lowest,secondary,unemployed,62.51,1,excellent,0,570,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,56,55+,second,secondary,farmer,22.37,6,limited,0,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,66,55+,lowest,tertiary,employed_formal,44.85,6,none,0,534,1,microfinance,5576.27,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2025,rural,male,38,35-44,second,primary,employed_informal,120.59,7,limited,1,403,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,27,25-34,fourth,secondary,unemployed,551.7,1,excellent,1,290,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,40,35-44,middle,none,farmer,854.16,8,none,0,731,1,commercial_bank,5332.27,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2023,urban,male,38,35-44,second,primary,unemployed,101.03,3,none,0,346,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,urban,female,60,55+,second,primary,farmer,49.97,5,good,1,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,24,18-24,fourth,secondary,employed_informal,368.29,1,good,1,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,56,55+,fourth,secondary,employed_informal,515.98,2,limited,1,594,1,microfinance,5291.09,savings,education,1,4833.44,0.315,12,529.74,late_30_days,not_applicable,moderate_burden
Niger,2019,urban,male,59,55+,highest,secondary,employed_formal,729.94,9,limited,1,436,1,commercial_bank,30538.72,savings,agriculture,1,24534.71,0.206,24,1233.09,current,not_applicable,moderate_burden
Zambia,2025,rural,female,66,55+,highest,secondary,unemployed,890.83,1,limited,0,490,1,commercial_bank,2840.15,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2024,rural,male,51,45-54,middle,primary,farmer,321.26,5,none,0,21,1,informal_lender,4013.99,none,education,1,3854.62,0.788,6,1148.4,paid_off,not_applicable,moderate_burden
Kenya,2023,urban,male,67,55+,middle,tertiary,self_employed,262.49,2,none,1,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,57,55+,lowest,tertiary,employed_informal,99.19,2,limited,1,324,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,63,55+,middle,primary,self_employed,200.29,1,limited,0,548,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,urban,male,66,55+,second,secondary,employed_informal,564.53,4,excellent,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,54,45-54,lowest,none,employed_formal,39.14,8,limited,1,732,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,63,55+,middle,primary,unemployed,83.97,6,limited,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,male,21,18-24,highest,primary,employed_informal,680.85,4,none,1,783,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,23,18-24,fourth,primary,self_employed,180.86,5,none,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,47,45-54,second,tertiary,farmer,323.82,9,good,0,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,54,45-54,lowest,none,employed_informal,69.89,10,none,1,137,1,microfinance,1397.41,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2025,rural,male,69,55+,second,secondary,farmer,71.62,5,none,1,690,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,38,35-44,middle,none,self_employed,126.47,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,female,62,55+,second,tertiary,self_employed,95.81,8,good,1,753,1,commercial_bank,2072.91,guarantor,education,1,1742.88,0.132,24,82.18,current,not_applicable,moderate_burden
Malawi,2021,rural,female,64,55+,highest,none,unemployed,189.92,1,limited,0,689,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,male,22,18-24,fourth,secondary,unemployed,1534.9,1,limited,1,307,1,commercial_bank,13673.6,none,emergency,1,12053.91,0.195,12,1200.31,late_30_days,not_applicable,moderate_burden
Uganda,2024,rural,female,57,55+,second,primary,self_employed,290.24,6,excellent,0,260,1,informal_lender,2539.49,property,business,1,2369.23,0.783,18,234.72,paid_off,not_applicable,moderate_burden
South Africa,2021,rural,male,42,35-44,lowest,tertiary,farmer,26.59,10,none,0,331,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,46,45-54,lowest,primary,self_employed,70.81,8,none,0,614,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,urban,female,49,45-54,highest,secondary,self_employed,505.87,7,none,0,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,54,45-54,highest,tertiary,self_employed,860.97,10,limited,0,574,1,sacco,4201.69,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2025,urban,female,50,45-54,second,secondary,employed_formal,147.56,10,none,1,356,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,female,66,55+,lowest,secondary,farmer,109.45,3,limited,1,489,1,sacco,4773.49,none,business,1,4563.04,0.36,12,517.21,late_30_days,not_applicable,moderate_burden
Senegal,2022,rural,male,48,45-54,lowest,primary,employed_informal,33.22,5,limited,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,22,18-24,lowest,none,farmer,42.29,6,limited,1,651,1,family_friends,3312.16,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2025,rural,female,39,35-44,second,primary,self_employed,134.64,6,limited,0,796,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,male,28,25-34,highest,secondary,self_employed,650.71,7,none,1,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,female,59,55+,fourth,primary,employed_informal,421.6,1,limited,0,582,1,informal_lender,18214.53,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2021,urban,male,22,18-24,highest,primary,unemployed,1142.05,1,none,1,262,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,43,35-44,lowest,secondary,self_employed,37.73,3,none,0,17,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,female,30,25-34,fourth,none,self_employed,550.01,9,limited,0,83,1,family_friends,3123.99,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2022,rural,male,28,25-34,middle,secondary,employed_formal,216.3,4,none,0,69,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,female,30,25-34,second,primary,self_employed,174.01,10,none,1,746,1,employer,10383.1,none,business,1,9937.35,0.064,18,587.25,late_30_days,not_applicable,moderate_burden
DRC,2020,rural,male,48,45-54,highest,secondary,employed_informal,806.53,4,limited,0,577,1,digital_lender,4752.95,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,urban,female,40,35-44,second,primary,self_employed,114.97,3,good,0,850,1,commercial_bank,2673.32,none,business,1,2662.33,0.228,12,272.41,current,not_applicable,moderate_burden
Uganda,2024,rural,female,37,35-44,fourth,none,employed_formal,336.99,10,none,1,381,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,52,45-54,second,primary,farmer,142.65,2,excellent,0,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,43,35-44,highest,primary,employed_informal,1274.09,9,none,0,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,male,59,55+,highest,secondary,employed_informal,1041.84,4,good,0,180,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,68,55+,lowest,tertiary,self_employed,114.03,2,none,1,0,1,sacco,4170.74,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2020,rural,male,57,55+,lowest,primary,employed_formal,42.72,7,good,0,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,51,45-54,highest,tertiary,unemployed,267.02,1,excellent,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,male,63,55+,highest,primary,self_employed,1274.59,4,limited,0,261,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,male,64,55+,lowest,tertiary,farmer,83.58,6,none,0,594,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,65,55+,second,none,unemployed,238.11,4,none,0,224,1,informal_lender,1856.92,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2019,urban,male,44,35-44,fourth,secondary,unemployed,623.09,1,good,1,144,1,informal_lender,8636.48,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2022,urban,male,33,25-34,fourth,secondary,farmer,935.45,10,none,1,407,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,urban,male,64,55+,lowest,primary,employed_informal,91.83,1,none,0,65,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,female,65,55+,fourth,primary,employed_informal,786.32,10,none,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,36,35-44,fourth,secondary,farmer,520.36,5,limited,1,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,female,48,45-54,second,secondary,unemployed,157.29,1,limited,0,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,female,48,45-54,highest,tertiary,self_employed,525.27,10,none,0,539,1,family_friends,4988.69,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2022,rural,female,38,35-44,lowest,tertiary,farmer,40.66,6,none,0,305,1,digital_lender,1849.27,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2023,urban,female,49,45-54,lowest,secondary,employed_formal,36.08,10,good,1,797,1,sacco,1296.16,none,business,1,1164.32,0.281,18,82.85,current,not_applicable,moderate_burden
Mali,2021,urban,female,47,45-54,second,none,farmer,185.52,9,good,0,850,1,digital_lender,6856.27,guarantor,consumption,1,5665.21,0.487,36,233.95,current,not_applicable,moderate_burden
Rwanda,2023,rural,female,21,18-24,lowest,secondary,self_employed,21.06,3,good,1,230,1,microfinance,410.36,none,agriculture,1,391.9,0.287,12,42.03,current,not_applicable,moderate_burden
Ethiopia,2018,urban,female,65,55+,lowest,tertiary,unemployed,44.45,1,good,0,262,1,employer,1175.72,guarantor,asset_purchase,1,1078.97,0.06,24,47.68,current,not_applicable,moderate_burden
DRC,2024,rural,male,36,35-44,highest,secondary,employed_informal,485.01,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,57,55+,fourth,none,unemployed,761.65,1,none,0,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,female,67,55+,middle,tertiary,self_employed,869.36,2,good,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,49,45-54,highest,secondary,employed_formal,1691.28,10,limited,0,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,27,25-34,second,primary,farmer,153.09,9,none,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,44,35-44,middle,primary,employed_formal,437.11,10,limited,0,821,1,family_friends,2189.34,none,agriculture,1,1914.48,0.006,24,80.22,defaulted,not_applicable,moderate_burden
South Africa,2019,urban,female,44,35-44,middle,primary,self_employed,142.93,7,limited,0,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,rural,male,42,35-44,second,secondary,self_employed,90.61,7,limited,0,626,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,69,55+,lowest,tertiary,self_employed,112.48,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,male,64,55+,middle,secondary,employed_informal,430.8,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,26,25-34,lowest,secondary,self_employed,24.5,6,limited,0,12,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,69,55+,highest,primary,self_employed,262.44,1,limited,0,850,1,family_friends,16065.78,savings,consumption,1,13771.68,0.025,36,392.03,current,not_applicable,moderate_burden
Senegal,2024,urban,female,34,25-34,lowest,primary,farmer,120.88,2,good,1,298,1,commercial_bank,7774.67,property,business,1,6274.14,0.172,36,204.2,current,not_applicable,moderate_burden
South Africa,2023,urban,male,65,55+,second,secondary,employed_formal,199.48,6,limited,1,803,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,female,20,18-24,fourth,none,employed_informal,904.37,8,excellent,0,832,1,informal_lender,3051.02,property,business,1,2774.25,0.757,18,270.76,late_30_days,not_applicable,moderate_burden
Ethiopia,2022,rural,male,34,25-34,lowest,secondary,self_employed,44.21,7,limited,0,832,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,female,24,18-24,middle,primary,employed_informal,280.27,1,limited,0,674,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,18,18-24,highest,secondary,employed_informal,520.03,9,none,0,255,1,family_friends,9291.14,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2022,rural,female,18,18-24,second,primary,farmer,50.34,10,limited,0,430,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,male,26,25-34,middle,primary,unemployed,115.85,6,good,0,670,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,rural,male,53,45-54,fourth,none,farmer,111.04,1,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,29,25-34,fourth,primary,employed_informal,104.71,10,limited,1,487,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,65,55+,lowest,secondary,farmer,42.75,10,excellent,1,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,67,55+,lowest,secondary,employed_informal,34.9,5,none,1,543,1,digital_lender,2189.05,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2019,urban,female,68,55+,highest,secondary,self_employed,412.5,2,limited,1,659,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,male,43,35-44,fourth,secondary,self_employed,592.23,2,excellent,0,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,55,45-54,middle,secondary,self_employed,550.51,2,limited,0,810,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,female,42,35-44,lowest,none,self_employed,77.28,2,none,1,70,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,60,55+,middle,secondary,self_employed,817.47,10,limited,0,740,1,family_friends,10298.18,none,agriculture,1,8752.55,0.021,24,372.36,defaulted,not_applicable,moderate_burden
Ghana,2020,rural,male,43,35-44,second,secondary,self_employed,201.88,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,58,55+,second,primary,employed_informal,163.21,7,none,0,618,1,family_friends,6696.31,guarantor,business,1,6687.39,0.048,18,389.43,current,not_applicable,moderate_burden
Rwanda,2018,urban,male,19,18-24,middle,primary,farmer,306.88,7,good,1,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,25,18-24,fourth,secondary,employed_informal,236.43,9,none,0,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,male,34,25-34,highest,secondary,farmer,611.57,7,good,1,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,55,45-54,lowest,secondary,self_employed,59.27,6,limited,0,645,1,informal_lender,695.17,guarantor,agriculture,1,560.96,0.807,18,56.33,late_30_days,not_applicable,moderate_burden
Senegal,2019,rural,female,20,18-24,lowest,secondary,self_employed,117.04,8,limited,0,115,1,family_friends,13653.99,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2021,rural,female,56,55+,middle,secondary,farmer,326.4,3,good,0,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,male,34,25-34,fourth,primary,self_employed,482.88,8,limited,0,56,1,informal_lender,2631.47,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2020,urban,female,62,55+,lowest,secondary,farmer,42.08,7,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,68,55+,fourth,secondary,employed_informal,626.46,2,none,0,161,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,female,50,45-54,highest,tertiary,farmer,636.57,1,none,1,181,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,male,28,25-34,second,secondary,employed_formal,81.91,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,36,35-44,highest,primary,self_employed,508.72,2,limited,1,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,25,18-24,second,none,self_employed,376.67,5,excellent,1,829,1,microfinance,6625.66,savings,agriculture,1,6315.03,0.365,6,1436.83,current,not_applicable,moderate_burden
DRC,2018,rural,female,47,45-54,lowest,secondary,employed_informal,52.99,5,none,1,637,1,sacco,3806.58,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2024,rural,female,53,45-54,fourth,primary,employed_informal,331.65,1,good,0,806,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,female,33,25-34,second,none,self_employed,164.57,2,good,0,218,1,digital_lender,3868.68,guarantor,business,1,3848.26,0.403,12,450.07,current,not_applicable,moderate_burden
Zambia,2018,urban,male,64,55+,second,primary,self_employed,138.57,10,none,0,703,1,family_friends,4410.02,none,business,1,4263.51,0.009,12,358.34,paid_off,not_applicable,moderate_burden
Zambia,2020,urban,female,60,55+,lowest,primary,unemployed,44.34,5,none,1,691,1,digital_lender,3778.22,savings,business,1,3122.37,0.401,18,242.99,late_30_days,not_applicable,moderate_burden
Zambia,2023,rural,female,30,25-34,middle,secondary,farmer,593.62,8,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,male,38,35-44,fourth,none,unemployed,556.98,6,none,0,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,urban,male,41,35-44,fourth,primary,farmer,518.47,5,limited,1,104,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,female,47,45-54,highest,none,farmer,396.1,2,none,1,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,66,55+,fourth,primary,employed_formal,159.24,10,none,0,0,1,family_friends,1907.85,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2021,urban,female,39,35-44,fourth,secondary,self_employed,160.11,3,limited,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,male,46,45-54,second,secondary,employed_informal,92.11,8,good,0,769,1,digital_lender,7335.64,guarantor,agriculture,1,6616.61,0.413,18,519.44,late_30_days,not_applicable,moderate_burden
Mali,2018,urban,female,30,25-34,highest,none,self_employed,2243.03,10,none,1,770,1,digital_lender,3893.2,guarantor,housing,1,3676.77,0.472,24,225.51,paid_off,not_applicable,moderate_burden
Mali,2022,rural,male,47,45-54,second,primary,self_employed,122.23,10,excellent,0,163,1,family_friends,5622.0,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2021,rural,female,21,18-24,middle,primary,self_employed,424.08,8,limited,0,70,1,family_friends,4745.56,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2021,urban,male,44,35-44,second,tertiary,unemployed,398.7,1,good,1,763,1,commercial_bank,4497.34,none,agriculture,1,4014.12,0.16,18,258.77,late_60_days,not_applicable,moderate_burden
Zambia,2024,rural,female,68,55+,lowest,tertiary,employed_informal,130.84,3,none,0,238,1,family_friends,353.84,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2025,urban,female,59,55+,middle,none,farmer,192.23,7,excellent,1,155,1,commercial_bank,6791.55,guarantor,education,1,6186.51,0.212,18,416.57,current,not_applicable,moderate_burden
DRC,2020,urban,male,42,35-44,second,primary,unemployed,32.3,2,none,1,94,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,20,18-24,second,tertiary,employed_informal,80.89,9,limited,1,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,34,25-34,middle,secondary,employed_formal,140.46,10,good,1,843,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,female,27,25-34,middle,none,employed_formal,230.74,6,limited,0,38,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,29,25-34,second,none,self_employed,498.77,10,excellent,1,829,1,digital_lender,1759.72,property,education,1,1565.2,0.415,18,123.02,current,not_applicable,moderate_burden
DRC,2024,rural,female,45,35-44,lowest,tertiary,employed_informal,18.35,6,none,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,male,23,18-24,fourth,tertiary,employed_formal,266.91,8,limited,1,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,male,18,18-24,second,none,self_employed,216.73,1,none,0,395,1,informal_lender,5047.01,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2019,urban,female,53,45-54,middle,secondary,farmer,160.95,10,none,0,0,1,informal_lender,3299.45,property,education,1,2645.76,0.796,24,198.04,paid_off,not_applicable,moderate_burden
DRC,2020,rural,male,60,55+,middle,secondary,self_employed,116.95,2,none,1,712,1,sacco,6075.11,equipment,business,1,5422.64,0.348,12,609.14,current,not_applicable,moderate_burden
South Africa,2024,rural,female,44,35-44,middle,tertiary,employed_informal,202.18,4,none,0,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,67,55+,lowest,tertiary,self_employed,57.5,9,none,1,444,1,microfinance,3363.49,none,consumption,1,2794.17,0.29,12,300.47,late_60_days,not_applicable,moderate_burden
Nigeria,2025,rural,female,36,35-44,second,secondary,unemployed,132.62,1,limited,1,805,1,commercial_bank,5274.74,property,consumption,1,4284.8,0.188,18,282.76,paid_off,not_applicable,moderate_burden
South Africa,2019,rural,male,64,55+,second,primary,farmer,54.79,5,none,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,40,35-44,highest,primary,employed_informal,217.54,9,none,0,123,1,family_friends,4388.71,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2020,urban,male,65,55+,second,secondary,self_employed,235.16,9,limited,0,298,1,family_friends,7031.8,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2023,rural,male,20,18-24,fourth,none,self_employed,380.06,5,limited,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,male,58,55+,second,none,self_employed,19.63,5,none,0,561,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,52,45-54,second,tertiary,self_employed,69.66,2,none,0,641,1,commercial_bank,1368.7,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2024,rural,female,25,18-24,second,primary,employed_formal,112.8,10,none,0,95,1,microfinance,1836.87,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2019,urban,female,30,25-34,highest,secondary,unemployed,1328.94,3,limited,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,30,25-34,middle,secondary,self_employed,252.98,3,none,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,39,35-44,middle,secondary,self_employed,134.63,10,none,0,615,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,48,45-54,fourth,secondary,employed_informal,164.72,6,limited,1,442,1,digital_lender,9294.04,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2020,rural,female,65,55+,highest,primary,employed_informal,777.06,4,good,0,830,1,microfinance,3015.42,none,consumption,1,2638.38,0.342,6,590.2,current,not_applicable,moderate_burden
Ghana,2018,rural,female,61,55+,lowest,tertiary,self_employed,61.4,4,excellent,0,784,1,commercial_bank,4027.49,equipment,asset_purchase,1,3823.36,0.18,24,188.04,current,not_applicable,moderate_burden
DRC,2024,rural,male,37,35-44,second,primary,employed_formal,91.41,5,none,0,268,1,digital_lender,3809.49,none,business,1,3782.54,0.463,6,922.46,late_30_days,not_applicable,moderate_burden
Mozambique,2018,rural,female,19,18-24,lowest,primary,self_employed,52.72,5,limited,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,male,44,35-44,fourth,none,farmer,264.65,10,excellent,1,650,1,commercial_bank,2737.83,none,education,1,2215.6,0.133,12,209.15,paid_off,not_applicable,moderate_burden
Rwanda,2018,urban,female,49,45-54,highest,primary,employed_informal,2322.33,10,none,0,585,1,family_friends,5340.83,guarantor,agriculture,1,5316.83,0.028,24,227.82,current,not_applicable,moderate_burden
DRC,2018,urban,female,29,25-34,middle,secondary,employed_formal,535.44,9,limited,0,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,65,55+,second,secondary,self_employed,232.44,10,limited,0,94,1,employer,4136.3,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,urban,male,24,18-24,second,secondary,farmer,300.91,9,none,0,415,1,microfinance,10018.55,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2024,urban,female,56,55+,middle,primary,farmer,1190.68,1,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,56,55+,lowest,tertiary,employed_informal,86.73,2,good,0,624,1,commercial_bank,4037.3,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2024,urban,male,41,35-44,second,secondary,unemployed,290.53,1,limited,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,male,61,55+,fourth,secondary,employed_informal,652.35,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,rural,female,22,18-24,fourth,tertiary,self_employed,175.4,6,limited,1,228,1,sacco,3930.65,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2021,urban,female,20,18-24,highest,none,farmer,730.37,6,limited,1,287,1,commercial_bank,8583.58,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Senegal,2025,rural,male,23,18-24,fourth,none,self_employed,349.23,2,none,1,16,1,digital_lender,3507.87,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2018,rural,male,41,35-44,fourth,primary,farmer,616.47,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,49,45-54,lowest,tertiary,employed_informal,43.39,7,good,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,30,25-34,highest,secondary,unemployed,136.38,3,none,1,117,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,female,59,55+,second,secondary,self_employed,139.72,7,none,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,female,67,55+,lowest,none,employed_informal,107.02,2,none,0,151,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,female,45,35-44,highest,primary,self_employed,390.71,7,none,1,125,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,41,35-44,second,none,employed_informal,250.48,1,limited,1,595,1,digital_lender,2157.44,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2019,rural,female,29,25-34,highest,secondary,employed_formal,182.38,6,limited,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,31,25-34,lowest,secondary,farmer,50.9,9,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,female,43,35-44,second,primary,farmer,239.72,5,excellent,1,543,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,25,18-24,second,primary,self_employed,81.05,3,limited,0,736,1,sacco,1850.8,guarantor,asset_purchase,1,1731.38,0.315,6,379.43,late_60_days,not_applicable,moderate_burden
Nigeria,2025,urban,male,56,55+,fourth,primary,self_employed,389.48,10,none,0,732,1,family_friends,6003.79,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2020,urban,male,68,55+,fourth,secondary,employed_informal,387.33,1,good,0,825,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,32,25-34,fourth,primary,farmer,302.4,3,good,0,126,1,employer,6676.79,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2018,rural,female,41,35-44,fourth,tertiary,unemployed,127.55,1,limited,0,687,1,family_friends,1887.95,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2023,rural,female,27,25-34,middle,tertiary,self_employed,212.24,1,none,0,554,1,informal_lender,8017.72,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2019,urban,female,23,18-24,fourth,tertiary,farmer,277.0,3,limited,1,561,1,digital_lender,2908.02,savings,housing,1,2385.11,0.483,6,589.48,current,not_applicable,moderate_burden
Malawi,2025,urban,female,47,45-54,middle,none,employed_informal,490.45,3,good,1,300,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,urban,female,30,25-34,lowest,none,self_employed,104.48,8,none,0,0,1,sacco,4088.36,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2025,rural,female,62,55+,fourth,none,employed_informal,280.5,2,none,1,658,1,commercial_bank,6524.06,property,education,1,5472.98,0.162,6,1059.61,current,not_applicable,moderate_burden
Mali,2024,urban,male,38,35-44,fourth,primary,employed_formal,507.61,10,good,1,608,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,male,30,25-34,highest,primary,farmer,565.72,1,none,0,843,1,informal_lender,5978.23,equipment,housing,1,5093.48,0.844,12,782.57,late_30_days,not_applicable,moderate_burden
Ethiopia,2024,urban,female,35,25-34,fourth,none,self_employed,541.42,5,none,1,206,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,41,35-44,highest,primary,employed_informal,523.46,9,none,0,667,1,digital_lender,2703.11,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
DRC,2021,rural,male,51,45-54,lowest,primary,employed_formal,95.12,4,none,0,563,1,digital_lender,2691.15,equipment,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2019,rural,male,40,35-44,highest,secondary,employed_formal,546.91,6,none,1,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,urban,female,53,45-54,fourth,primary,employed_formal,188.77,8,limited,0,759,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,female,68,55+,highest,secondary,self_employed,2177.97,7,none,0,585,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,24,18-24,lowest,primary,employed_informal,45.55,3,none,0,429,1,family_friends,611.11,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2018,rural,female,44,35-44,lowest,secondary,employed_informal,79.51,1,none,0,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,21,18-24,middle,tertiary,self_employed,206.12,2,good,0,464,1,family_friends,2677.81,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2020,urban,male,39,35-44,lowest,none,employed_formal,160.29,10,none,0,641,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,57,55+,highest,secondary,employed_formal,1492.16,10,limited,0,353,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,63,55+,fourth,secondary,self_employed,175.45,10,none,1,579,1,microfinance,5647.67,guarantor,emergency,1,4646.87,0.367,24,264.63,current,not_applicable,moderate_burden
Kenya,2019,urban,male,40,35-44,highest,tertiary,employed_formal,1691.87,10,none,0,285,1,digital_lender,21971.96,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2025,urban,female,25,18-24,highest,secondary,self_employed,682.62,5,limited,1,138,1,commercial_bank,12059.28,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2020,rural,female,34,25-34,second,secondary,self_employed,91.37,10,none,0,360,1,informal_lender,4606.02,property,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2023,rural,male,27,25-34,second,tertiary,self_employed,53.87,8,limited,0,829,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,65,55+,middle,secondary,self_employed,183.38,9,none,0,311,1,digital_lender,3821.88,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2021,urban,female,52,45-54,fourth,primary,farmer,1165.46,10,limited,0,382,1,family_friends,4398.42,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2021,urban,female,44,35-44,second,primary,farmer,104.6,9,none,0,623,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,male,25,18-24,middle,primary,employed_informal,1677.63,8,none,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,50,45-54,second,primary,self_employed,204.24,9,none,1,636,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,52,45-54,fourth,none,unemployed,1032.42,3,good,0,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,female,61,55+,second,none,farmer,368.79,5,good,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,47,45-54,lowest,secondary,employed_informal,72.04,2,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,59,55+,fourth,secondary,employed_formal,151.81,7,none,1,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,49,45-54,second,none,farmer,202.15,7,limited,0,8,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,69,55+,highest,primary,self_employed,383.43,3,none,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,64,55+,middle,secondary,unemployed,388.61,3,limited,0,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,rural,male,44,35-44,lowest,secondary,self_employed,68.38,9,limited,1,587,1,family_friends,2320.33,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2025,rural,female,44,35-44,lowest,primary,farmer,30.74,9,limited,0,265,1,digital_lender,2856.14,guarantor,agriculture,1,2654.0,0.47,18,216.71,late_60_days,not_applicable,moderate_burden
Rwanda,2024,urban,male,31,25-34,highest,secondary,employed_informal,888.72,4,limited,0,440,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,female,19,18-24,lowest,primary,employed_informal,72.71,7,none,0,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,male,69,55+,middle,secondary,unemployed,197.98,1,none,0,729,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,rural,female,53,45-54,middle,primary,farmer,72.94,3,good,0,806,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,20,18-24,second,secondary,employed_formal,269.28,7,none,1,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,female,50,45-54,second,secondary,farmer,127.98,10,limited,0,209,1,microfinance,1866.92,savings,education,1,1686.4,0.313,24,92.26,late_30_days,not_applicable,moderate_burden
Malawi,2020,urban,male,54,45-54,second,primary,self_employed,288.43,6,limited,1,676,1,commercial_bank,4103.72,none,agriculture,1,3942.86,0.179,12,387.39,current,not_applicable,moderate_burden
Rwanda,2024,urban,female,35,25-34,second,primary,employed_informal,250.79,5,none,0,695,1,family_friends,1096.6,none,consumption,1,1084.08,0.036,24,46.79,current,not_applicable,moderate_burden
Ethiopia,2018,rural,male,30,25-34,middle,primary,employed_formal,427.8,4,none,0,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,male,58,55+,second,none,self_employed,402.26,1,limited,0,66,1,informal_lender,8474.74,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2018,rural,female,24,18-24,lowest,tertiary,self_employed,100.44,10,limited,1,415,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,54,45-54,fourth,secondary,employed_informal,340.11,8,limited,0,172,1,digital_lender,9226.04,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2022,urban,female,66,55+,lowest,secondary,farmer,47.82,10,good,1,630,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,male,43,35-44,lowest,secondary,farmer,156.19,6,limited,0,208,1,family_friends,1821.45,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2021,urban,male,45,35-44,second,secondary,employed_informal,217.8,3,limited,1,165,1,commercial_bank,7191.52,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2018,rural,male,64,55+,middle,secondary,employed_informal,150.54,1,limited,1,107,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,male,50,45-54,lowest,secondary,self_employed,62.61,7,none,0,0,1,microfinance,1616.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2024,urban,female,55,45-54,fourth,secondary,unemployed,448.68,3,excellent,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,male,22,18-24,second,primary,farmer,149.44,9,limited,0,670,1,digital_lender,2172.04,none,consumption,1,2103.96,0.415,12,248.16,current,not_applicable,moderate_burden
Ethiopia,2024,rural,female,46,45-54,lowest,tertiary,self_employed,79.54,6,limited,0,758,1,sacco,2168.21,guarantor,emergency,1,1982.26,0.326,24,109.53,current,not_applicable,moderate_burden
Tanzania,2022,rural,female,35,25-34,fourth,tertiary,unemployed,244.73,1,limited,0,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,33,25-34,highest,secondary,self_employed,2591.14,6,limited,0,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,male,45,35-44,highest,secondary,employed_informal,733.57,10,limited,0,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,27,25-34,second,primary,employed_formal,69.59,4,none,1,648,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,rural,female,43,35-44,fourth,secondary,farmer,2269.24,4,good,1,769,1,commercial_bank,8033.33,none,emergency,1,7465.42,0.23,36,255.01,current,not_applicable,moderate_burden
Niger,2025,urban,male,20,18-24,second,tertiary,employed_informal,68.88,8,limited,1,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,female,24,18-24,lowest,primary,farmer,148.77,9,limited,1,528,1,family_friends,3750.83,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,rural,female,24,18-24,middle,secondary,self_employed,109.73,2,limited,1,848,1,commercial_bank,2506.66,savings,business,1,2195.72,0.16,18,141.51,late_30_days,not_applicable,moderate_burden
Mali,2022,rural,female,51,45-54,second,primary,employed_informal,148.56,3,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,62,55+,fourth,none,unemployed,680.49,1,none,0,127,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,male,54,45-54,second,secondary,unemployed,103.0,2,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,female,33,25-34,middle,primary,employed_informal,316.9,4,none,0,323,1,employer,5535.19,equipment,agriculture,1,5098.28,0.055,18,298.91,late_30_days,not_applicable,moderate_burden
Ghana,2022,urban,female,62,55+,fourth,secondary,farmer,825.16,2,none,0,687,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2021,rural,male,25,18-24,highest,tertiary,farmer,265.6,10,good,1,713,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,male,57,55+,fourth,primary,employed_informal,385.31,8,excellent,0,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,57,55+,middle,tertiary,self_employed,57.28,9,none,1,604,1,microfinance,2042.76,equipment,emergency,1,1653.04,0.325,48,45.64,defaulted,not_applicable,moderate_burden
Niger,2019,urban,male,52,45-54,lowest,secondary,employed_informal,150.49,2,limited,0,537,1,family_friends,4080.09,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2020,rural,female,41,35-44,lowest,none,self_employed,44.94,10,none,1,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,urban,female,25,18-24,highest,none,self_employed,427.95,3,none,0,818,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,55,45-54,highest,primary,unemployed,327.98,4,none,0,292,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2020,urban,male,27,25-34,fourth,secondary,employed_informal,355.2,3,limited,1,87,1,family_friends,1809.53,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2023,rural,female,31,25-34,lowest,tertiary,unemployed,15.99,2,good,0,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,60,55+,lowest,none,farmer,99.54,6,limited,0,789,1,sacco,3666.3,none,consumption,1,3633.33,0.319,48,99.81,late_30_days,not_applicable,moderate_burden
Nigeria,2022,urban,male,52,45-54,lowest,none,self_employed,234.01,8,excellent,0,519,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,31,25-34,fourth,primary,self_employed,382.81,4,none,1,474,1,family_friends,12721.55,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ghana,2023,urban,female,41,35-44,lowest,secondary,farmer,149.32,1,none,1,178,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,male,33,25-34,highest,primary,unemployed,415.48,4,none,0,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,35,25-34,fourth,tertiary,employed_informal,463.7,6,good,0,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2019,urban,female,35,25-34,lowest,secondary,employed_informal,66.17,1,none,1,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,female,67,55+,second,secondary,self_employed,147.09,2,none,1,314,1,commercial_bank,8248.75,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2018,rural,male,37,35-44,fourth,none,self_employed,141.58,9,none,1,281,1,sacco,6547.76,savings,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2019,rural,female,24,18-24,highest,none,self_employed,299.29,9,limited,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,45,35-44,lowest,tertiary,employed_formal,95.96,4,good,1,806,1,digital_lender,1694.33,none,agriculture,1,1384.11,0.457,36,56.01,current,not_applicable,moderate_burden
Tanzania,2024,rural,male,36,35-44,second,secondary,employed_formal,145.44,10,none,1,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,male,66,55+,highest,secondary,employed_informal,1150.65,3,good,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,28,25-34,fourth,primary,employed_informal,519.67,8,none,0,344,1,microfinance,4780.54,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2023,rural,female,54,45-54,second,none,self_employed,146.97,1,limited,0,827,1,family_friends,1249.69,none,agriculture,1,1188.75,0.037,24,51.37,current,not_applicable,moderate_burden
Niger,2025,rural,female,29,25-34,middle,none,self_employed,173.12,9,none,1,218,1,family_friends,4113.79,none,business,1,3332.15,0.082,48,75.14,current,not_applicable,moderate_burden
Mali,2018,urban,female,64,55+,middle,primary,self_employed,246.33,7,good,1,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,female,32,25-34,middle,none,self_employed,209.39,2,none,0,735,1,family_friends,9400.59,none,business,1,9130.94,0.099,12,836.28,paid_off,not_applicable,moderate_burden
Ghana,2019,rural,male,46,45-54,second,primary,self_employed,38.48,2,good,1,540,1,informal_lender,1478.91,guarantor,emergency,1,1429.1,0.777,12,211.59,current,not_applicable,moderate_burden
Mozambique,2020,urban,male,43,35-44,highest,tertiary,unemployed,393.43,3,limited,1,278,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,64,55+,highest,none,employed_informal,1588.37,6,limited,1,823,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,39,35-44,second,tertiary,employed_informal,85.76,7,excellent,0,541,1,family_friends,4235.33,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2022,urban,female,42,35-44,middle,none,unemployed,639.56,1,none,0,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,male,24,18-24,middle,primary,farmer,393.43,8,good,0,699,1,informal_lender,3903.6,none,business,1,3152.97,0.764,36,154.49,current,not_applicable,moderate_burden
Kenya,2021,rural,female,39,35-44,lowest,primary,unemployed,39.21,1,limited,0,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,rural,male,31,25-34,fourth,primary,employed_formal,155.71,9,limited,0,81,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,male,28,25-34,middle,primary,employed_informal,115.71,4,none,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,39,35-44,second,secondary,unemployed,85.32,1,limited,1,653,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,male,22,18-24,lowest,secondary,self_employed,68.13,5,none,0,363,1,informal_lender,5304.4,property,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2020,rural,male,40,35-44,fourth,primary,farmer,266.89,8,good,0,741,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,69,55+,lowest,secondary,unemployed,78.17,1,limited,0,337,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,female,33,25-34,fourth,none,farmer,471.94,7,none,1,270,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,urban,female,59,55+,second,tertiary,employed_informal,148.51,4,limited,0,597,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,46,45-54,middle,primary,employed_formal,135.27,8,good,1,339,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,40,35-44,second,primary,employed_formal,174.6,4,none,0,32,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,male,69,55+,second,tertiary,self_employed,153.78,4,good,1,281,1,commercial_bank,4418.91,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2018,urban,female,53,45-54,highest,none,farmer,1998.6,9,limited,1,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,male,66,55+,fourth,none,farmer,174.38,4,limited,1,96,1,microfinance,12128.12,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2021,rural,male,26,25-34,middle,primary,farmer,153.64,2,excellent,0,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,female,50,45-54,second,none,farmer,199.47,10,none,1,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,rural,male,29,25-34,second,secondary,farmer,189.51,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,55,45-54,lowest,secondary,self_employed,25.51,10,none,1,44,1,commercial_bank,5184.98,none,business,1,4710.41,0.206,12,473.3,current,not_applicable,moderate_burden
DRC,2023,urban,female,46,45-54,lowest,secondary,self_employed,87.06,4,good,1,431,1,microfinance,3216.11,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2023,urban,male,65,55+,highest,none,employed_formal,337.37,9,none,1,449,1,microfinance,6234.43,equipment,business,1,5609.49,0.333,12,623.14,current,not_applicable,moderate_burden
Malawi,2024,urban,female,68,55+,fourth,secondary,farmer,562.46,4,none,1,0,1,family_friends,10127.19,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2021,rural,female,54,45-54,second,secondary,farmer,62.75,6,none,0,130,1,family_friends,3305.23,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2023,urban,female,22,18-24,lowest,primary,farmer,199.21,10,excellent,1,476,1,family_friends,4465.32,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2019,rural,female,46,45-54,second,none,unemployed,313.7,1,limited,0,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,female,28,25-34,fourth,primary,unemployed,688.05,2,limited,0,341,1,informal_lender,13351.54,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2023,rural,male,59,55+,middle,secondary,employed_informal,139.66,1,limited,0,713,1,informal_lender,3220.8,equipment,emergency,1,2978.42,0.849,12,459.02,current,not_applicable,moderate_burden
Mali,2024,urban,male,60,55+,lowest,primary,self_employed,160.37,3,none,1,624,1,microfinance,5465.36,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2022,rural,female,27,25-34,highest,secondary,farmer,2655.93,6,none,0,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,48,45-54,second,primary,unemployed,99.88,1,good,1,300,1,microfinance,2419.87,none,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2021,rural,female,37,35-44,middle,none,farmer,47.12,6,excellent,0,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,65,55+,second,primary,self_employed,347.15,1,limited,0,824,1,digital_lender,7889.62,none,education,1,7501.2,0.464,18,610.04,current,not_applicable,moderate_burden
Rwanda,2025,rural,male,30,25-34,second,secondary,employed_informal,88.07,6,limited,0,426,1,family_friends,2153.72,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ghana,2022,rural,male,24,18-24,highest,secondary,farmer,421.45,7,good,1,559,1,microfinance,3240.24,none,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Kenya,2019,rural,male,68,55+,middle,tertiary,farmer,150.66,6,limited,0,277,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,rural,female,49,45-54,lowest,secondary,unemployed,50.73,1,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,male,30,25-34,lowest,none,farmer,42.18,8,none,1,492,1,informal_lender,2258.41,none,agriculture,1,1807.13,0.835,24,138.18,current,not_applicable,moderate_burden
Nigeria,2022,urban,male,26,25-34,middle,none,farmer,907.15,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,52,45-54,fourth,primary,farmer,217.47,3,none,0,548,1,informal_lender,4303.67,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,rural,female,65,55+,highest,secondary,farmer,1220.19,10,none,0,62,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,68,55+,lowest,none,employed_informal,68.73,9,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,20,18-24,highest,secondary,farmer,220.66,10,limited,0,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,urban,male,69,55+,second,tertiary,farmer,388.83,10,none,1,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,female,54,45-54,second,primary,farmer,170.39,6,limited,1,424,1,digital_lender,1247.52,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2025,urban,male,31,25-34,middle,primary,self_employed,155.62,10,none,0,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,25,18-24,middle,none,employed_informal,564.43,10,limited,1,67,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,urban,female,49,45-54,middle,none,farmer,399.18,2,limited,0,9,1,sacco,1532.04,none,agriculture,1,1477.42,0.353,6,333.1,current,not_applicable,moderate_burden
South Africa,2022,rural,female,52,45-54,fourth,secondary,employed_informal,292.57,7,limited,1,739,1,commercial_bank,4756.81,property,education,1,4407.44,0.165,24,213.89,current,not_applicable,moderate_burden
Mozambique,2021,urban,male,30,25-34,second,primary,unemployed,119.53,1,good,1,140,1,commercial_bank,1983.59,property,consumption,1,1938.13,0.204,6,388.87,current,not_applicable,moderate_burden
Niger,2025,urban,female,66,55+,middle,secondary,employed_informal,515.51,7,limited,0,746,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,urban,male,43,35-44,middle,secondary,farmer,248.85,6,excellent,0,850,1,microfinance,5529.38,none,housing,1,4459.55,0.314,18,325.59,current,not_applicable,moderate_burden
Nigeria,2024,rural,male,59,55+,lowest,primary,farmer,63.79,1,none,1,664,1,commercial_bank,2919.4,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Niger,2020,rural,male,24,18-24,second,tertiary,farmer,266.18,10,none,1,638,1,commercial_bank,9604.12,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2020,rural,male,26,25-34,second,secondary,unemployed,54.22,4,none,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,59,55+,lowest,none,self_employed,35.45,6,none,0,482,1,microfinance,5998.39,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2018,urban,male,47,45-54,fourth,primary,self_employed,192.32,1,none,1,619,1,microfinance,2241.95,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2018,rural,female,58,55+,highest,secondary,self_employed,455.11,10,limited,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,46,45-54,fourth,primary,employed_informal,274.65,3,good,0,636,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,46,45-54,lowest,primary,farmer,48.62,2,good,1,514,1,informal_lender,3184.5,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2025,urban,female,43,35-44,fourth,primary,unemployed,554.33,3,none,0,159,1,microfinance,4371.52,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2018,rural,male,56,55+,lowest,none,self_employed,37.0,7,limited,0,412,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,male,18,18-24,lowest,secondary,employed_informal,72.75,6,good,0,393,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,rural,female,22,18-24,fourth,primary,self_employed,263.86,2,none,1,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,31,25-34,lowest,secondary,farmer,53.43,6,none,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,37,35-44,second,secondary,self_employed,144.95,1,limited,0,87,1,informal_lender,3534.56,guarantor,consumption,1,3023.3,0.784,24,224.76,paid_off,not_applicable,moderate_burden
Ghana,2022,urban,male,44,35-44,fourth,primary,employed_formal,406.6,8,none,0,334,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,46,45-54,highest,tertiary,employed_formal,2103.46,7,none,1,206,1,commercial_bank,9244.52,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2024,urban,male,35,25-34,second,primary,employed_informal,167.24,5,limited,0,269,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,47,45-54,lowest,primary,unemployed,171.18,3,none,0,449,1,microfinance,4600.57,none,housing,1,3855.3,0.363,6,875.78,late_30_days,not_applicable,moderate_burden
Ethiopia,2022,rural,female,20,18-24,second,secondary,employed_informal,177.62,10,limited,0,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,female,40,35-44,fourth,tertiary,self_employed,173.55,7,limited,1,313,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,39,35-44,fourth,none,employed_informal,556.39,3,good,1,221,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,57,55+,middle,primary,unemployed,1808.23,1,none,0,230,1,family_friends,3714.61,property,business,1,3472.16,0.062,36,102.44,late_30_days,not_applicable,moderate_burden
Nigeria,2021,rural,female,28,25-34,lowest,tertiary,employed_informal,132.29,6,limited,1,566,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,25,18-24,lowest,primary,employed_informal,20.75,9,none,1,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,42,35-44,highest,secondary,farmer,608.18,4,none,0,419,1,family_friends,6836.39,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Zambia,2024,rural,female,37,35-44,lowest,none,employed_informal,88.13,2,limited,0,276,1,informal_lender,3029.78,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,rural,female,54,45-54,middle,primary,employed_informal,152.9,4,none,0,454,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,39,35-44,fourth,primary,farmer,115.81,9,none,0,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,51,45-54,fourth,secondary,unemployed,306.6,4,limited,0,416,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,28,25-34,second,secondary,farmer,61.77,1,none,1,66,1,commercial_bank,1952.18,property,agriculture,1,1656.39,0.164,36,53.56,current,not_applicable,moderate_burden
Ethiopia,2022,rural,female,51,45-54,fourth,primary,employed_informal,241.53,4,none,0,720,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,47,45-54,lowest,none,employed_informal,57.4,6,good,0,677,1,informal_lender,8227.15,guarantor,agriculture,1,8017.38,0.842,48,307.67,paid_off,not_applicable,moderate_burden
South Africa,2020,urban,female,20,18-24,second,primary,self_employed,354.59,9,good,1,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,64,55+,lowest,secondary,employed_formal,466.0,5,limited,1,172,1,commercial_bank,1954.35,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2025,urban,female,42,35-44,fourth,primary,self_employed,315.09,6,good,1,543,1,sacco,4415.15,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2023,rural,male,54,45-54,second,tertiary,unemployed,128.75,1,none,0,274,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,42,35-44,middle,primary,self_employed,483.29,7,good,0,449,1,family_friends,4913.62,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2019,rural,female,66,55+,second,secondary,unemployed,139.76,5,limited,1,80,1,commercial_bank,2712.99,property,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2025,rural,male,55,45-54,lowest,secondary,self_employed,50.11,7,none,1,485,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,64,55+,lowest,none,self_employed,73.04,1,limited,0,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,52,45-54,lowest,none,self_employed,23.52,7,none,1,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,urban,female,32,25-34,highest,tertiary,farmer,1277.61,10,excellent,1,540,1,digital_lender,4180.6,savings,agriculture,1,3356.96,0.414,24,197.72,paid_off,not_applicable,moderate_burden
Rwanda,2018,rural,male,46,45-54,highest,primary,farmer,477.94,8,limited,0,617,1,sacco,1250.79,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2023,rural,female,59,55+,lowest,primary,employed_informal,243.41,9,limited,0,309,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,female,51,45-54,lowest,secondary,employed_formal,15.89,10,good,1,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,63,55+,lowest,none,self_employed,119.02,4,limited,1,311,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,60,55+,middle,secondary,self_employed,600.85,2,none,0,487,1,family_friends,3670.64,vehicle,agriculture,1,3525.49,0.003,24,147.3,late_60_days,not_applicable,moderate_burden
DRC,2023,rural,male,50,45-54,middle,none,self_employed,110.65,7,good,0,596,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,female,67,55+,lowest,primary,self_employed,172.09,5,none,0,516,1,sacco,2435.99,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2025,urban,male,58,55+,lowest,primary,employed_formal,112.24,8,none,0,0,1,digital_lender,2837.49,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2022,urban,male,20,18-24,middle,primary,self_employed,324.12,9,good,1,94,1,family_friends,4579.63,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2018,rural,female,62,55+,fourth,tertiary,employed_formal,118.98,8,none,1,328,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,20,18-24,second,secondary,self_employed,139.14,4,good,0,230,1,informal_lender,3906.71,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2020,rural,male,44,35-44,highest,none,self_employed,1237.14,10,none,0,400,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,rural,male,21,18-24,second,tertiary,employed_informal,40.33,10,limited,0,79,1,informal_lender,2894.06,property,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Zambia,2022,urban,female,21,18-24,lowest,secondary,farmer,82.52,5,none,0,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,rural,male,67,55+,middle,secondary,farmer,102.52,5,none,0,34,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,37,35-44,lowest,secondary,employed_formal,174.79,6,good,1,522,1,informal_lender,2781.92,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2020,rural,male,50,45-54,second,secondary,self_employed,178.05,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,38,35-44,lowest,tertiary,self_employed,95.46,6,none,1,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,42,35-44,second,secondary,farmer,139.23,1,none,0,262,1,microfinance,2989.97,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2018,rural,male,25,18-24,lowest,primary,farmer,41.01,7,limited,1,558,1,commercial_bank,2447.66,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2025,urban,female,31,25-34,lowest,tertiary,unemployed,73.72,3,limited,0,766,1,family_friends,2014.42,none,business,1,2004.8,0.066,12,178.1,current,not_applicable,moderate_burden
Mali,2020,urban,female,36,35-44,fourth,primary,self_employed,1636.8,3,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,rural,female,59,55+,second,none,employed_formal,81.35,10,good,0,429,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,19,18-24,second,secondary,self_employed,477.15,4,limited,0,202,1,family_friends,7147.48,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2022,rural,female,67,55+,lowest,none,employed_formal,22.92,10,none,1,318,1,commercial_bank,3867.25,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2018,rural,female,57,55+,middle,secondary,self_employed,174.07,1,limited,1,226,1,microfinance,3168.84,property,consumption,1,3028.35,0.362,12,343.59,current,not_applicable,moderate_burden
Ethiopia,2024,urban,male,47,45-54,fourth,none,self_employed,469.1,5,none,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,male,41,35-44,highest,primary,self_employed,3662.54,4,good,0,572,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,40,35-44,lowest,none,self_employed,60.32,7,none,0,303,1,informal_lender,1674.3,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,rural,female,50,45-54,second,tertiary,employed_informal,191.06,10,limited,0,241,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,male,28,25-34,fourth,none,farmer,570.99,6,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,urban,female,31,25-34,second,primary,employed_informal,128.39,6,limited,1,197,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,31,25-34,second,none,employed_formal,295.67,10,none,0,568,1,family_friends,11526.05,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2025,urban,female,37,35-44,middle,secondary,employed_informal,326.13,7,none,0,180,1,family_friends,2499.04,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2020,rural,male,36,35-44,fourth,primary,unemployed,345.79,1,none,1,450,1,commercial_bank,4343.39,guarantor,business,1,4240.69,0.157,18,272.54,current,not_applicable,moderate_burden
South Africa,2024,urban,female,54,45-54,lowest,secondary,unemployed,19.12,3,good,1,468,1,microfinance,2703.03,savings,agriculture,1,2182.8,0.348,12,245.25,late_30_days,not_applicable,moderate_burden
Mali,2024,rural,male,56,55+,lowest,none,farmer,142.19,7,none,1,195,1,commercial_bank,3518.34,none,agriculture,1,3033.51,0.169,24,147.73,late_30_days,not_applicable,moderate_burden
Rwanda,2019,rural,female,61,55+,lowest,primary,employed_informal,46.93,7,limited,1,594,1,microfinance,3736.08,savings,education,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2021,urban,male,42,35-44,fourth,tertiary,farmer,1094.88,1,limited,0,706,1,microfinance,14524.42,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2025,urban,female,54,45-54,second,primary,unemployed,482.36,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,69,55+,highest,tertiary,farmer,306.63,4,none,1,795,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,male,53,45-54,fourth,primary,self_employed,363.91,10,none,0,203,1,sacco,2931.64,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2025,rural,male,36,35-44,highest,primary,employed_informal,155.82,2,none,0,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,female,59,55+,fourth,primary,self_employed,187.59,2,none,0,39,1,microfinance,7422.88,savings,debt_consolidation,1,7032.17,0.362,12,797.87,current,not_applicable,moderate_burden
Ghana,2018,rural,female,61,55+,second,secondary,self_employed,51.23,3,limited,1,278,1,employer,1681.92,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2018,urban,male,69,55+,fourth,primary,self_employed,174.67,8,none,1,745,1,sacco,2137.66,none,business,1,1953.17,0.352,12,220.02,current,not_applicable,moderate_burden
Ethiopia,2022,rural,male,68,55+,fourth,secondary,unemployed,225.05,3,excellent,1,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,male,44,35-44,fourth,secondary,employed_informal,2052.93,5,good,1,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,38,35-44,second,none,self_employed,96.79,4,limited,1,597,1,family_friends,1905.22,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2022,urban,female,49,45-54,lowest,secondary,farmer,97.64,3,none,0,477,1,digital_lender,1257.14,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2023,urban,female,39,35-44,lowest,secondary,unemployed,161.95,4,good,0,651,1,microfinance,3269.33,none,consumption,1,2685.19,0.341,6,600.06,current,not_applicable,moderate_burden
Nigeria,2020,urban,male,28,25-34,lowest,tertiary,employed_informal,47.62,10,limited,0,254,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,female,36,35-44,middle,secondary,unemployed,365.81,5,limited,1,358,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,28,25-34,middle,primary,farmer,352.36,7,none,1,392,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,urban,female,56,55+,second,secondary,farmer,426.18,4,none,0,593,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,rural,male,57,55+,fourth,none,farmer,214.66,3,none,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2020,urban,male,59,55+,fourth,tertiary,unemployed,727.67,3,good,1,413,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,55,45-54,middle,none,employed_informal,359.52,10,none,1,476,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,male,28,25-34,second,primary,farmer,117.29,7,limited,1,145,1,family_friends,6032.18,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Kenya,2023,rural,female,23,18-24,lowest,primary,unemployed,48.71,1,limited,1,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,63,55+,fourth,secondary,self_employed,828.58,6,none,1,321,1,sacco,2535.81,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2018,urban,male,66,55+,highest,secondary,employed_informal,578.52,5,limited,1,722,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,69,55+,lowest,none,employed_formal,13.74,10,none,1,111,1,microfinance,5146.6,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2025,urban,female,22,18-24,fourth,secondary,self_employed,823.02,4,good,1,811,1,sacco,8114.19,guarantor,agriculture,1,7703.61,0.299,6,1668.07,defaulted,not_applicable,moderate_burden
Mali,2025,rural,female,22,18-24,lowest,primary,unemployed,147.27,2,limited,0,803,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,male,20,18-24,lowest,primary,unemployed,75.69,4,limited,1,252,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,51,45-54,fourth,none,self_employed,322.96,3,none,0,622,1,digital_lender,7351.4,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2018,rural,male,21,18-24,lowest,secondary,self_employed,63.49,7,limited,1,98,1,microfinance,6993.03,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2024,urban,male,34,25-34,second,none,unemployed,123.35,1,none,1,707,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,female,23,18-24,lowest,tertiary,farmer,83.61,2,limited,1,605,1,microfinance,6826.5,guarantor,business,1,5503.41,0.368,36,209.08,current,not_applicable,moderate_burden
Kenya,2023,rural,female,57,55+,second,secondary,farmer,202.17,3,none,1,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,male,55,45-54,lowest,secondary,farmer,23.33,7,none,0,61,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,65,55+,middle,secondary,employed_informal,565.56,4,limited,1,522,1,commercial_bank,14825.48,savings,business,1,13968.99,0.201,18,932.13,current,not_applicable,moderate_burden
Mali,2025,rural,female,57,55+,middle,primary,employed_formal,191.8,7,none,1,557,1,digital_lender,3600.91,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2018,rural,female,22,18-24,highest,primary,farmer,607.73,9,limited,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,male,60,55+,lowest,primary,farmer,36.65,7,limited,0,106,1,sacco,2015.08,equipment,emergency,1,1700.66,0.295,36,61.17,paid_off,not_applicable,moderate_burden
Senegal,2024,rural,female,66,55+,second,secondary,employed_informal,249.26,4,limited,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,27,25-34,lowest,secondary,employed_formal,58.0,6,limited,1,297,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,female,60,55+,middle,primary,farmer,98.4,3,none,1,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,female,22,18-24,highest,tertiary,employed_formal,966.3,8,good,0,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2021,urban,female,69,55+,fourth,primary,employed_informal,437.13,4,limited,0,410,1,microfinance,13171.89,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2025,rural,female,36,35-44,second,primary,employed_informal,114.2,2,limited,1,395,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2024,rural,male,62,55+,lowest,tertiary,self_employed,99.47,1,none,0,502,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,30,25-34,second,primary,farmer,305.96,9,limited,1,370,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,62,55+,middle,secondary,farmer,70.57,10,none,0,264,1,employer,4475.87,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2019,urban,female,29,25-34,middle,none,self_employed,340.77,10,none,1,583,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,21,18-24,fourth,none,employed_informal,1030.08,4,limited,0,691,1,informal_lender,8516.18,guarantor,emergency,1,7873.72,0.795,12,1177.46,late_30_days,not_applicable,moderate_burden
DRC,2020,rural,male,58,55+,second,primary,employed_formal,70.49,5,good,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,urban,male,43,35-44,second,primary,employed_informal,109.65,5,limited,1,260,1,microfinance,3321.85,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2019,urban,female,29,25-34,middle,secondary,self_employed,233.21,5,none,1,529,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,58,55+,middle,none,employed_informal,282.89,8,limited,0,728,1,family_friends,3321.42,equipment,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2019,urban,female,24,18-24,lowest,secondary,farmer,167.91,10,limited,0,457,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,68,55+,lowest,primary,unemployed,49.64,2,excellent,1,850,1,digital_lender,2611.64,guarantor,business,1,2489.09,0.436,48,74.48,late_60_days,not_applicable,moderate_burden
Malawi,2021,urban,female,40,35-44,middle,primary,unemployed,148.4,1,none,0,576,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,male,44,35-44,fourth,primary,farmer,176.8,6,limited,1,359,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,41,35-44,lowest,secondary,employed_informal,131.09,3,none,0,359,1,family_friends,4426.28,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
South Africa,2020,urban,female,42,35-44,highest,secondary,self_employed,966.77,2,none,1,175,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,63,55+,fourth,none,employed_informal,363.41,9,none,0,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,male,32,25-34,second,secondary,farmer,247.1,4,none,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,female,46,45-54,lowest,secondary,self_employed,68.0,4,good,0,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,male,22,18-24,middle,none,employed_formal,251.9,4,good,0,610,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,female,39,35-44,second,primary,unemployed,125.37,6,limited,1,395,1,digital_lender,1228.29,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2025,rural,female,61,55+,middle,secondary,farmer,74.51,7,good,1,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,50,45-54,second,primary,farmer,201.14,5,limited,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,urban,male,66,55+,second,primary,employed_formal,43.97,9,excellent,0,460,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,32,25-34,lowest,tertiary,employed_informal,115.48,6,none,0,367,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,male,30,25-34,second,none,self_employed,56.45,9,none,1,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,38,35-44,middle,primary,employed_informal,109.44,3,limited,0,219,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,58,55+,middle,tertiary,employed_informal,76.08,8,none,0,122,1,microfinance,10668.86,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2020,rural,male,41,35-44,second,secondary,farmer,319.03,7,none,0,748,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,male,63,55+,lowest,none,employed_informal,20.9,1,none,0,170,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,38,35-44,highest,secondary,employed_formal,179.87,8,none,0,760,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,female,39,35-44,fourth,tertiary,employed_formal,285.21,4,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,50,45-54,highest,secondary,self_employed,394.25,10,good,0,743,1,informal_lender,9645.68,none,debt_consolidation,1,7886.03,0.78,12,1169.81,paid_off,not_applicable,moderate_burden
Rwanda,2018,rural,female,55,45-54,highest,secondary,employed_informal,1016.56,1,limited,0,786,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,61,55+,fourth,none,employed_informal,501.91,9,limited,0,203,1,commercial_bank,8671.32,none,emergency,1,7519.1,0.151,12,721.01,current,not_applicable,moderate_burden
Ghana,2023,urban,female,19,18-24,middle,none,farmer,384.14,1,limited,1,635,1,commercial_bank,8035.71,none,agriculture,1,7869.69,0.186,18,518.42,paid_off,not_applicable,moderate_burden
Niger,2018,rural,female,36,35-44,second,secondary,self_employed,41.94,10,excellent,0,636,1,informal_lender,2393.84,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2019,rural,female,50,45-54,lowest,secondary,farmer,59.65,1,limited,1,174,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,20,18-24,highest,secondary,unemployed,880.28,5,none,1,447,1,family_friends,8543.99,savings,education,1,7323.56,0.068,12,651.91,paid_off,not_applicable,moderate_burden
Uganda,2023,rural,female,18,18-24,middle,none,self_employed,229.21,5,limited,0,139,1,family_friends,4586.4,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2023,rural,female,34,25-34,fourth,secondary,employed_informal,289.5,10,limited,0,848,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,53,45-54,fourth,none,farmer,359.07,4,good,0,91,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,19,18-24,middle,secondary,farmer,312.44,10,none,0,410,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,urban,female,33,25-34,lowest,none,employed_informal,157.24,6,good,1,751,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,rural,female,54,45-54,fourth,secondary,employed_informal,364.9,1,none,1,556,1,microfinance,7317.26,none,business,1,6396.32,0.31,48,174.59,current,not_applicable,moderate_burden
Senegal,2019,rural,male,43,35-44,middle,none,employed_informal,83.11,5,excellent,0,426,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,female,32,25-34,middle,none,self_employed,78.7,4,none,1,234,1,microfinance,7221.17,property,consumption,1,6166.75,0.271,12,653.07,late_30_days,not_applicable,moderate_burden
Ghana,2022,rural,female,69,55+,middle,primary,self_employed,42.35,6,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,male,66,55+,highest,secondary,self_employed,1745.82,3,limited,1,447,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,male,27,25-34,highest,primary,employed_informal,631.93,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,33,25-34,lowest,secondary,self_employed,41.57,4,limited,0,680,1,commercial_bank,1282.32,none,consumption,1,1212.93,0.185,6,239.59,current,not_applicable,moderate_burden
Nigeria,2021,rural,female,63,55+,fourth,secondary,self_employed,868.06,2,none,0,26,1,family_friends,12029.18,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2019,rural,male,61,55+,lowest,secondary,farmer,153.72,7,none,0,521,1,employer,12343.37,guarantor,asset_purchase,1,10878.26,0.004,36,303.24,current,not_applicable,moderate_burden
Rwanda,2023,rural,male,23,18-24,fourth,tertiary,self_employed,356.77,9,none,1,619,1,sacco,31199.62,none,consumption,1,26030.19,0.287,18,1861.51,current,not_applicable,moderate_burden
Senegal,2025,rural,female,37,35-44,fourth,primary,self_employed,490.14,10,none,0,580,1,sacco,7245.28,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,rural,female,63,55+,middle,primary,farmer,140.07,5,limited,1,497,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,female,35,25-34,second,tertiary,self_employed,96.1,9,none,0,542,1,microfinance,3156.73,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2024,rural,male,46,45-54,lowest,primary,employed_formal,17.11,7,limited,0,191,1,informal_lender,1743.43,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2018,urban,female,42,35-44,middle,tertiary,employed_informal,381.49,7,good,0,515,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,female,64,55+,middle,secondary,unemployed,346.71,1,none,0,377,1,informal_lender,11601.16,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2020,rural,female,46,45-54,highest,secondary,self_employed,837.15,2,limited,0,549,1,digital_lender,5318.23,guarantor,asset_purchase,1,4366.94,0.453,12,528.78,late_30_days,not_applicable,moderate_burden
DRC,2025,urban,male,59,55+,highest,primary,self_employed,5111.98,5,none,0,275,1,sacco,14999.58,vehicle,debt_consolidation,1,14935.38,0.298,18,1076.98,paid_off,not_applicable,moderate_burden
Mozambique,2024,rural,male,66,55+,middle,primary,unemployed,203.52,1,none,0,496,1,informal_lender,3378.07,property,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2018,rural,male,21,18-24,second,tertiary,farmer,112.07,8,none,0,328,1,family_friends,2641.51,guarantor,asset_purchase,1,2467.23,0.055,24,108.46,defaulted,not_applicable,moderate_burden
Malawi,2024,rural,female,53,45-54,fourth,secondary,self_employed,305.5,8,limited,0,821,1,sacco,2217.41,equipment,asset_purchase,1,2004.76,0.349,6,450.59,defaulted,not_applicable,moderate_burden
Kenya,2025,urban,male,60,55+,fourth,tertiary,self_employed,650.21,9,good,0,539,1,sacco,3581.5,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2022,rural,female,49,45-54,fourth,tertiary,employed_formal,181.17,9,limited,1,78,1,digital_lender,6966.86,property,agriculture,1,6370.71,0.488,18,526.6,current,not_applicable,moderate_burden
Malawi,2018,urban,male,18,18-24,highest,secondary,self_employed,603.02,10,limited,0,814,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,rural,male,64,55+,highest,primary,employed_formal,137.15,4,none,0,458,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,male,62,55+,fourth,primary,unemployed,139.37,1,good,1,614,1,commercial_bank,9438.73,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2020,urban,female,46,45-54,middle,secondary,unemployed,364.4,4,limited,0,461,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,62,55+,lowest,primary,employed_informal,49.32,6,limited,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,32,25-34,fourth,primary,employed_informal,593.21,9,excellent,1,585,1,digital_lender,6302.56,guarantor,business,1,6289.45,0.498,24,392.65,late_60_days,not_applicable,moderate_burden
Ethiopia,2020,rural,male,39,35-44,lowest,secondary,self_employed,125.67,5,none,0,106,1,microfinance,5215.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2024,rural,female,23,18-24,second,secondary,farmer,132.43,7,none,0,0,1,informal_lender,4568.34,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Tanzania,2019,urban,male,56,55+,second,none,unemployed,225.96,3,none,0,673,1,family_friends,3010.34,guarantor,business,1,2502.64,0.085,36,75.46,late_30_days,not_applicable,moderate_burden
Tanzania,2020,rural,female,67,55+,middle,primary,self_employed,416.54,9,limited,1,830,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,55,45-54,middle,secondary,self_employed,396.7,8,none,1,218,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,female,58,55+,highest,tertiary,self_employed,940.69,5,none,0,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,male,27,25-34,lowest,primary,farmer,98.66,2,none,0,50,1,microfinance,3610.43,savings,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2023,urban,male,35,25-34,lowest,none,self_employed,179.03,3,good,0,850,1,informal_lender,3436.72,none,housing,1,2755.93,0.828,12,419.91,late_30_days,not_applicable,moderate_burden
Mozambique,2025,urban,female,52,45-54,fourth,primary,farmer,903.3,1,none,1,0,1,employer,3612.97,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2023,rural,female,60,55+,highest,secondary,farmer,939.09,3,limited,0,645,1,microfinance,4020.18,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2019,urban,male,41,35-44,lowest,secondary,self_employed,244.92,10,good,1,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,64,55+,lowest,secondary,farmer,124.5,5,limited,0,118,1,informal_lender,2507.27,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2022,rural,female,62,55+,second,secondary,employed_formal,154.55,10,none,1,280,1,commercial_bank,9351.85,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2019,rural,male,66,55+,lowest,secondary,employed_informal,105.66,6,limited,0,221,1,informal_lender,2950.41,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,rural,female,51,45-54,lowest,primary,self_employed,116.02,3,none,1,21,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,35,25-34,fourth,secondary,unemployed,205.9,1,none,1,82,1,commercial_bank,2860.56,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2024,rural,male,39,35-44,fourth,secondary,farmer,645.28,4,limited,1,111,1,informal_lender,6308.91,none,consumption,1,6129.9,0.806,36,307.57,current,not_applicable,moderate_burden
DRC,2024,rural,male,55,45-54,middle,tertiary,farmer,72.03,5,none,1,173,1,commercial_bank,9448.12,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2024,urban,female,18,18-24,lowest,none,unemployed,93.76,1,none,0,697,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,urban,female,22,18-24,middle,none,self_employed,327.81,4,good,1,421,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,male,37,35-44,highest,secondary,employed_informal,468.75,4,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,male,63,55+,middle,none,self_employed,295.35,8,excellent,1,803,1,commercial_bank,5005.63,guarantor,agriculture,1,4965.59,0.165,18,321.5,current,not_applicable,moderate_burden
Tanzania,2021,urban,female,46,45-54,middle,none,farmer,303.52,5,excellent,1,646,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2025,rural,female,65,55+,lowest,none,farmer,28.14,2,none,0,474,1,family_friends,5021.38,equipment,housing,1,4662.31,0.055,12,409.86,current,not_applicable,moderate_burden
Mozambique,2021,rural,male,19,18-24,lowest,secondary,farmer,93.07,6,none,0,324,1,sacco,2504.29,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2018,rural,male,29,25-34,middle,none,employed_informal,558.02,9,good,0,392,1,informal_lender,9499.12,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2021,rural,male,58,55+,second,tertiary,unemployed,43.95,1,good,0,92,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,24,18-24,fourth,secondary,farmer,342.14,5,none,1,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,19,18-24,second,none,employed_informal,39.43,10,none,0,746,1,family_friends,2558.48,none,emergency,1,2507.53,0.028,18,143.27,current,not_applicable,moderate_burden
Mozambique,2019,rural,male,39,35-44,lowest,primary,self_employed,39.01,9,limited,1,677,1,employer,2555.4,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2025,rural,female,48,45-54,middle,primary,employed_informal,313.39,10,good,1,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,29,25-34,highest,none,self_employed,300.09,1,limited,0,652,1,digital_lender,4153.4,equipment,business,1,3796.15,0.408,12,445.41,current,not_applicable,moderate_burden
Mozambique,2021,urban,female,37,35-44,lowest,secondary,farmer,72.08,5,none,1,480,1,employer,2819.88,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2018,rural,male,18,18-24,highest,primary,unemployed,271.11,1,none,0,542,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,47,45-54,second,primary,employed_informal,93.25,10,excellent,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,25,18-24,highest,tertiary,self_employed,1313.17,6,none,1,833,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,male,18,18-24,fourth,primary,unemployed,681.15,1,good,0,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,rural,male,38,35-44,middle,tertiary,unemployed,670.55,3,good,1,779,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,67,55+,highest,none,farmer,297.51,2,none,0,74,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,35,25-34,middle,primary,self_employed,307.63,2,none,1,184,1,sacco,7346.86,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2020,urban,female,67,55+,second,primary,self_employed,387.47,9,none,0,214,1,microfinance,10899.3,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2022,rural,male,26,25-34,lowest,secondary,farmer,83.46,9,none,0,665,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,20,18-24,fourth,none,self_employed,47.95,9,none,0,443,1,informal_lender,2322.89,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2019,urban,male,18,18-24,middle,none,self_employed,319.68,6,limited,1,417,1,commercial_bank,4410.75,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2018,rural,male,36,35-44,second,primary,employed_formal,160.56,5,none,1,598,1,digital_lender,1272.93,property,education,1,1235.33,0.457,36,49.99,current,not_applicable,moderate_burden
Niger,2019,rural,male,52,45-54,second,primary,employed_informal,354.45,4,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,female,47,45-54,middle,primary,farmer,164.01,2,good,0,362,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,49,45-54,lowest,secondary,employed_formal,73.09,10,excellent,1,850,1,informal_lender,3150.05,savings,asset_purchase,1,2942.45,0.798,24,220.47,current,not_applicable,moderate_burden
Mozambique,2018,rural,female,65,55+,lowest,tertiary,employed_formal,32.74,7,good,0,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,rural,female,39,35-44,highest,secondary,unemployed,397.44,1,limited,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,58,55+,middle,secondary,employed_formal,152.4,9,limited,1,674,1,commercial_bank,1345.5,property,agriculture,1,1199.16,0.131,12,113.06,current,not_applicable,moderate_burden
Ghana,2025,urban,female,61,55+,highest,secondary,farmer,1169.29,9,good,1,475,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,56,55+,second,none,self_employed,21.69,4,none,0,528,1,digital_lender,762.33,none,asset_purchase,1,660.73,0.476,6,162.59,current,not_applicable,moderate_burden
Malawi,2018,urban,female,62,55+,second,secondary,self_employed,96.04,3,limited,0,7,1,family_friends,6781.5,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2025,rural,female,25,18-24,second,secondary,self_employed,45.32,1,limited,1,402,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,67,55+,second,primary,farmer,129.12,2,none,0,42,1,informal_lender,7540.75,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2023,rural,male,25,18-24,middle,secondary,self_employed,184.28,10,none,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,47,45-54,second,primary,unemployed,110.7,1,none,1,0,1,digital_lender,4389.95,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2024,rural,female,45,35-44,second,none,self_employed,342.53,7,good,1,212,1,family_friends,10603.33,none,education,1,10574.22,0.003,12,883.97,current,not_applicable,moderate_burden
Kenya,2023,rural,male,23,18-24,second,secondary,self_employed,388.92,10,good,0,850,1,informal_lender,4956.89,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2023,urban,female,24,18-24,middle,secondary,farmer,310.82,9,good,0,406,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,female,19,18-24,lowest,tertiary,employed_informal,44.05,7,none,0,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,male,68,55+,middle,primary,farmer,394.73,2,none,1,316,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,22,18-24,lowest,primary,self_employed,278.71,6,good,0,478,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,51,45-54,middle,none,self_employed,303.25,10,limited,1,628,1,commercial_bank,3486.22,guarantor,business,1,2991.36,0.164,6,580.2,defaulted,not_applicable,moderate_burden
Uganda,2023,rural,male,43,35-44,fourth,primary,farmer,398.5,7,limited,1,688,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,urban,male,26,25-34,second,secondary,employed_formal,554.26,10,limited,0,487,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,54,45-54,lowest,primary,employed_formal,195.95,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2022,rural,female,56,55+,highest,secondary,farmer,1012.11,1,none,0,404,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,30,25-34,middle,primary,farmer,238.91,6,none,1,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,rural,female,58,55+,lowest,primary,self_employed,32.23,2,none,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,27,25-34,middle,primary,farmer,130.26,2,good,0,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,rural,female,61,55+,lowest,primary,unemployed,51.05,1,limited,1,33,1,digital_lender,2293.54,savings,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2022,rural,female,56,55+,middle,secondary,farmer,760.96,6,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,66,55+,highest,none,farmer,277.78,3,none,0,399,1,sacco,4942.09,guarantor,housing,1,3982.44,0.368,18,302.73,current,not_applicable,moderate_burden
Uganda,2023,rural,male,67,55+,middle,primary,self_employed,222.44,7,good,0,749,1,family_friends,3025.32,property,business,1,2477.43,0.008,18,138.73,late_30_days,not_applicable,moderate_burden
Malawi,2018,rural,female,52,45-54,lowest,secondary,self_employed,63.51,3,excellent,0,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,female,41,35-44,highest,primary,farmer,140.34,5,limited,1,620,1,family_friends,1460.36,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2025,rural,female,62,55+,middle,secondary,self_employed,103.0,8,excellent,1,410,1,microfinance,1633.45,guarantor,consumption,1,1309.44,0.323,12,144.41,current,not_applicable,moderate_burden
Mozambique,2021,urban,male,53,45-54,lowest,none,self_employed,153.18,1,none,0,102,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,male,44,35-44,highest,none,self_employed,2594.26,9,none,1,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,63,55+,highest,tertiary,self_employed,534.67,1,good,0,850,1,informal_lender,5146.43,property,consumption,1,4727.19,0.842,6,1451.56,current,not_applicable,moderate_burden
Tanzania,2018,urban,female,60,55+,lowest,primary,self_employed,112.79,5,none,1,352,1,microfinance,5029.48,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2021,rural,female,44,35-44,fourth,none,self_employed,2307.48,9,good,0,733,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,female,33,25-34,middle,primary,self_employed,324.9,6,none,0,697,1,employer,5610.88,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Nigeria,2018,rural,female,22,18-24,fourth,primary,employed_informal,254.05,1,none,0,1,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,64,55+,middle,tertiary,unemployed,214.56,1,limited,1,172,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,urban,male,41,35-44,second,primary,employed_informal,132.71,1,none,1,650,1,family_friends,3435.98,none,business,1,3233.06,0.092,18,196.21,current,not_applicable,moderate_burden
Kenya,2020,urban,male,35,25-34,lowest,secondary,farmer,139.66,5,good,0,512,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,59,55+,second,primary,employed_informal,268.21,3,good,0,245,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,58,55+,lowest,tertiary,employed_informal,94.74,6,none,1,592,1,family_friends,16682.56,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2022,rural,female,44,35-44,lowest,secondary,self_employed,153.46,3,none,1,369,1,commercial_bank,2513.0,vehicle,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2021,urban,female,41,35-44,middle,none,self_employed,161.77,5,none,0,388,1,family_friends,2652.1,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2019,rural,female,48,45-54,second,secondary,self_employed,25.18,7,limited,1,319,1,digital_lender,2104.43,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2024,urban,male,32,25-34,second,primary,farmer,65.82,6,none,0,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,69,55+,fourth,secondary,self_employed,698.54,6,limited,0,633,1,family_friends,10555.37,vehicle,education,1,9106.85,0.051,12,797.63,current,not_applicable,moderate_burden
Senegal,2020,rural,female,52,45-54,highest,tertiary,farmer,557.06,6,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,male,44,35-44,highest,secondary,employed_informal,959.82,5,limited,0,773,1,family_friends,20839.57,none,business,1,18323.22,0.036,24,790.94,paid_off,not_applicable,moderate_burden
Nigeria,2025,rural,male,40,35-44,highest,tertiary,employed_formal,264.14,8,none,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,urban,male,55,45-54,highest,secondary,employed_informal,489.82,10,limited,0,591,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,18,18-24,lowest,primary,self_employed,148.39,7,excellent,1,330,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,56,55+,lowest,primary,farmer,64.62,6,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,male,32,25-34,middle,secondary,self_employed,112.88,7,limited,1,431,1,sacco,2719.94,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2025,urban,female,35,25-34,middle,tertiary,employed_informal,276.5,4,good,1,168,1,microfinance,10457.46,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2025,rural,female,20,18-24,fourth,secondary,employed_informal,705.24,4,none,0,704,1,family_friends,3501.96,guarantor,business,1,3275.87,0.007,18,183.27,current,not_applicable,moderate_burden
Tanzania,2022,rural,male,39,35-44,lowest,none,employed_formal,88.38,9,good,0,829,1,microfinance,4667.9,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
South Africa,2018,urban,male,55,45-54,second,secondary,employed_informal,94.34,1,none,1,529,1,digital_lender,2126.33,none,business,1,2097.59,0.403,12,245.23,current,not_applicable,moderate_burden
Rwanda,2025,rural,female,60,55+,fourth,primary,employed_informal,505.87,3,good,0,738,1,informal_lender,8898.13,savings,agriculture,1,7608.16,0.787,24,566.57,late_30_days,not_applicable,moderate_burden
Zambia,2021,rural,female,20,18-24,lowest,secondary,farmer,92.73,1,none,1,577,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,female,68,55+,middle,none,farmer,367.35,6,none,0,686,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,53,45-54,lowest,none,employed_informal,129.75,9,none,0,106,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,61,55+,second,none,unemployed,142.91,1,none,1,0,1,sacco,4083.35,savings,education,1,3845.25,0.286,12,412.07,late_30_days,not_applicable,moderate_burden
Nigeria,2023,rural,male,42,35-44,highest,tertiary,employed_informal,441.49,1,none,1,64,1,commercial_bank,6789.8,savings,education,1,6725.36,0.179,12,660.57,current,not_applicable,moderate_burden
DRC,2020,urban,male,51,45-54,fourth,none,self_employed,1330.06,2,limited,1,209,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,26,25-34,lowest,tertiary,employed_informal,128.94,3,none,1,602,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,29,25-34,lowest,tertiary,self_employed,52.38,5,none,1,626,1,commercial_bank,2222.72,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2020,rural,male,64,55+,highest,primary,employed_informal,1191.43,8,limited,1,850,1,family_friends,18214.32,guarantor,business,1,15164.64,0.024,12,1294.03,defaulted,not_applicable,moderate_burden
Malawi,2021,rural,male,66,55+,second,none,unemployed,124.38,3,none,0,323,1,family_friends,1371.32,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2021,rural,male,67,55+,lowest,none,farmer,43.82,10,limited,0,620,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,36,35-44,fourth,primary,self_employed,331.41,5,excellent,0,649,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,male,50,45-54,fourth,tertiary,farmer,174.94,1,none,0,367,1,informal_lender,6568.07,property,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2022,rural,female,66,55+,lowest,secondary,self_employed,78.62,10,none,1,0,1,digital_lender,6186.25,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Mali,2023,rural,male,63,55+,second,none,employed_formal,341.01,10,none,1,656,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,male,24,18-24,lowest,none,unemployed,66.98,1,none,0,700,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,male,36,35-44,lowest,secondary,employed_informal,576.19,6,none,1,379,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,female,41,35-44,highest,primary,employed_informal,1362.24,4,excellent,1,788,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,urban,female,21,18-24,second,secondary,employed_informal,310.88,9,none,0,0,1,microfinance,5996.36,savings,consumption,1,5478.72,0.335,18,406.42,late_60_days,not_applicable,moderate_burden
Mozambique,2025,rural,female,30,25-34,fourth,primary,self_employed,335.19,10,good,0,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,female,61,55+,lowest,secondary,self_employed,19.97,9,none,0,213,1,digital_lender,2390.57,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2023,urban,male,27,25-34,highest,primary,unemployed,287.24,3,limited,1,669,1,commercial_bank,8168.0,none,business,1,6879.09,0.186,18,453.15,current,not_applicable,moderate_burden
Ethiopia,2025,rural,male,68,55+,lowest,secondary,employed_informal,31.94,7,none,1,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,male,22,18-24,fourth,none,farmer,599.31,10,limited,0,267,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,42,35-44,fourth,primary,unemployed,1589.44,1,excellent,0,345,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,47,45-54,second,primary,employed_informal,99.64,1,limited,1,337,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,female,19,18-24,highest,none,self_employed,396.36,2,good,0,229,1,sacco,21296.25,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2021,urban,female,35,25-34,second,primary,employed_formal,233.48,8,limited,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,female,60,55+,fourth,primary,employed_informal,1095.28,1,excellent,1,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,rural,male,30,25-34,fourth,tertiary,unemployed,1013.16,1,none,0,363,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,urban,male,48,45-54,fourth,primary,employed_informal,289.53,2,limited,0,503,1,informal_lender,4353.63,savings,agriculture,1,3495.22,0.764,12,513.9,current,not_applicable,moderate_burden
Kenya,2023,rural,male,39,35-44,middle,none,self_employed,264.8,8,limited,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,female,49,45-54,fourth,tertiary,farmer,311.25,4,none,1,0,1,sacco,9133.04,guarantor,agriculture,1,8551.02,0.355,24,482.75,current,not_applicable,moderate_burden
Senegal,2019,rural,female,59,55+,highest,none,self_employed,278.87,5,limited,0,190,1,microfinance,3945.15,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Niger,2021,urban,female,51,45-54,highest,none,self_employed,384.75,5,none,1,647,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,female,26,25-34,lowest,tertiary,unemployed,25.0,3,none,0,311,1,sacco,416.44,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2021,rural,male,38,35-44,second,primary,farmer,108.69,3,none,1,74,1,informal_lender,2422.95,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ghana,2024,rural,female,36,35-44,second,primary,unemployed,345.3,5,excellent,0,257,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,male,58,55+,fourth,primary,employed_informal,136.29,7,none,1,514,1,digital_lender,4046.9,guarantor,business,1,3916.84,0.467,6,957.45,paid_off,not_applicable,moderate_burden
Mali,2018,rural,female,20,18-24,lowest,primary,farmer,21.89,2,limited,0,116,1,digital_lender,1145.42,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2022,urban,female,25,18-24,fourth,tertiary,self_employed,188.2,3,none,0,472,1,commercial_bank,5633.34,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2020,rural,female,69,55+,lowest,secondary,employed_formal,92.26,7,limited,1,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,36,35-44,highest,secondary,employed_formal,506.52,10,good,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,36,35-44,highest,primary,farmer,1536.28,7,none,0,549,1,digital_lender,7966.51,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2021,rural,male,49,45-54,second,secondary,farmer,102.62,3,limited,1,440,1,employer,3585.18,property,consumption,1,3554.38,0.088,18,214.91,current,not_applicable,moderate_burden
Mozambique,2019,rural,male,19,18-24,highest,tertiary,self_employed,214.65,4,none,0,247,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,male,46,45-54,lowest,primary,unemployed,41.25,2,none,0,459,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,47,45-54,middle,tertiary,self_employed,370.86,7,none,0,14,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,30,25-34,lowest,primary,farmer,157.69,4,none,0,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,male,19,18-24,middle,secondary,employed_informal,373.56,4,limited,0,65,1,family_friends,3019.41,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,urban,female,55,45-54,lowest,secondary,employed_informal,67.91,5,none,1,594,1,commercial_bank,1271.82,equipment,business,1,1086.84,0.189,24,53.83,paid_off,not_applicable,moderate_burden
Tanzania,2019,rural,male,33,25-34,lowest,secondary,farmer,31.33,7,limited,1,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2024,urban,female,18,18-24,middle,primary,unemployed,149.52,6,good,1,563,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,40,35-44,second,secondary,self_employed,520.59,5,none,0,674,1,microfinance,7254.94,guarantor,asset_purchase,1,5982.46,0.329,12,662.45,paid_off,not_applicable,moderate_burden
Kenya,2020,rural,male,31,25-34,fourth,primary,self_employed,381.19,3,none,0,0,1,informal_lender,6586.38,none,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Uganda,2019,rural,male,66,55+,second,secondary,unemployed,127.31,3,limited,0,328,1,family_friends,4384.59,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2022,urban,female,45,35-44,second,primary,farmer,115.97,3,none,0,190,1,family_friends,4111.27,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2019,rural,male,57,55+,lowest,secondary,employed_informal,123.85,9,none,1,372,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,urban,female,63,55+,middle,secondary,unemployed,813.25,1,none,0,405,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,male,33,25-34,highest,none,employed_informal,344.77,10,none,0,122,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,urban,female,50,45-54,highest,secondary,farmer,395.25,5,none,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,28,25-34,highest,secondary,unemployed,282.33,1,none,0,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,27,25-34,lowest,secondary,farmer,60.31,10,limited,1,717,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,rural,female,49,45-54,middle,primary,employed_formal,211.18,4,limited,0,223,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,male,53,45-54,highest,primary,self_employed,335.5,6,limited,1,750,1,informal_lender,4452.99,none,asset_purchase,1,4346.52,0.771,12,641.39,late_30_days,not_applicable,moderate_burden
Niger,2021,rural,female,24,18-24,lowest,primary,employed_formal,305.64,10,limited,0,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,male,51,45-54,second,secondary,self_employed,46.25,9,limited,0,375,1,informal_lender,2238.5,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2021,rural,female,67,55+,middle,secondary,self_employed,172.84,4,limited,0,424,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,female,34,25-34,second,primary,employed_informal,72.95,3,excellent,0,592,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,male,24,18-24,lowest,tertiary,self_employed,96.72,7,limited,0,654,1,sacco,2213.34,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2020,rural,female,21,18-24,fourth,primary,employed_formal,187.69,9,limited,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,64,55+,fourth,secondary,self_employed,129.56,7,limited,0,698,1,employer,4364.79,guarantor,emergency,1,3692.35,0.029,6,633.26,late_30_days,not_applicable,moderate_burden
Senegal,2019,rural,female,51,45-54,fourth,none,employed_informal,106.95,3,limited,0,83,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,male,18,18-24,fourth,tertiary,employed_formal,681.72,10,none,1,55,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,female,57,55+,lowest,secondary,employed_formal,211.02,5,limited,1,631,1,microfinance,4494.25,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2021,urban,female,50,45-54,second,none,farmer,542.32,7,good,0,736,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,female,64,55+,highest,primary,self_employed,650.5,5,limited,0,650,1,informal_lender,4737.04,vehicle,debt_consolidation,1,4265.27,0.799,24,319.72,current,not_applicable,moderate_burden
Mali,2022,urban,female,23,18-24,lowest,tertiary,employed_formal,63.29,5,excellent,1,262,1,family_friends,2209.84,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2024,rural,male,38,35-44,second,secondary,farmer,167.78,8,none,1,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2022,rural,male,42,35-44,highest,none,self_employed,747.55,8,none,1,617,1,commercial_bank,9633.11,guarantor,agriculture,1,8213.67,0.135,18,517.96,current,not_applicable,moderate_burden
Mozambique,2025,urban,female,47,45-54,highest,primary,employed_informal,760.48,7,limited,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,male,36,35-44,middle,secondary,employed_formal,154.19,6,none,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,44,35-44,middle,primary,employed_formal,161.52,6,good,0,404,1,sacco,2342.73,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2020,urban,female,40,35-44,highest,tertiary,farmer,570.85,7,limited,1,457,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,urban,female,69,55+,highest,secondary,self_employed,615.43,5,none,0,380,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,rural,female,51,45-54,second,none,self_employed,158.94,3,good,0,850,1,informal_lender,2661.81,property,agriculture,1,2527.51,0.836,18,257.76,paid_off,not_applicable,moderate_burden
DRC,2025,rural,female,48,45-54,second,primary,employed_informal,220.12,5,good,1,850,1,informal_lender,7241.38,vehicle,business,1,6019.37,0.843,6,1848.96,current,not_applicable,moderate_burden
Mozambique,2025,urban,male,29,25-34,lowest,primary,employed_formal,109.18,6,excellent,0,763,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,male,58,55+,fourth,secondary,self_employed,266.26,7,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,62,55+,highest,secondary,self_employed,1414.63,2,none,0,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,female,63,55+,middle,secondary,employed_formal,181.33,4,none,0,299,1,employer,1451.73,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2024,rural,female,37,35-44,middle,primary,employed_formal,147.9,9,good,1,204,1,digital_lender,5986.09,guarantor,business,1,4797.06,0.487,12,594.58,current,not_applicable,moderate_burden
Niger,2024,urban,male,22,18-24,highest,secondary,employed_informal,711.7,7,none,0,665,1,informal_lender,9639.89,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2018,rural,female,56,55+,middle,none,self_employed,186.17,4,none,0,492,1,informal_lender,4986.52,savings,education,1,4623.25,0.82,6,1402.56,defaulted,not_applicable,moderate_burden
Mali,2019,rural,male,47,45-54,lowest,tertiary,employed_formal,57.69,8,none,0,318,1,family_friends,3967.14,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2018,rural,female,50,45-54,lowest,secondary,self_employed,24.18,10,good,1,95,1,microfinance,2567.62,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2022,urban,male,43,35-44,middle,tertiary,self_employed,280.62,4,none,0,358,1,family_friends,7938.64,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2018,rural,male,35,25-34,second,primary,employed_informal,162.2,4,limited,0,663,1,digital_lender,3259.68,guarantor,education,1,3133.37,0.41,12,368.06,late_60_days,not_applicable,moderate_burden
Malawi,2023,rural,male,63,55+,lowest,none,farmer,85.99,7,limited,1,377,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,60,55+,lowest,tertiary,unemployed,29.3,1,limited,1,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,27,25-34,middle,secondary,self_employed,202.16,3,limited,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,female,59,55+,lowest,secondary,unemployed,274.75,3,good,1,298,1,commercial_bank,3340.71,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2022,rural,male,48,45-54,fourth,tertiary,employed_informal,142.27,10,limited,1,762,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,28,25-34,highest,primary,farmer,2901.42,4,none,1,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,urban,male,68,55+,fourth,secondary,self_employed,364.66,1,limited,0,678,1,microfinance,3770.2,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2021,rural,female,32,25-34,lowest,secondary,employed_informal,11.83,1,none,0,0,1,family_friends,920.51,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2025,urban,male,20,18-24,middle,none,employed_formal,158.84,6,none,0,108,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,urban,male,37,35-44,highest,primary,farmer,2040.69,7,none,1,220,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,female,50,45-54,middle,primary,employed_informal,247.16,2,good,0,777,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,52,45-54,second,secondary,employed_informal,41.19,6,good,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,male,59,55+,second,secondary,self_employed,71.34,4,none,1,105,1,commercial_bank,2616.8,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2025,rural,male,30,25-34,fourth,secondary,unemployed,737.86,5,good,0,439,1,informal_lender,4964.84,guarantor,consumption,1,4896.63,0.824,24,372.19,current,not_applicable,moderate_burden
Rwanda,2022,rural,female,65,55+,fourth,primary,farmer,247.52,8,limited,0,668,1,family_friends,7134.63,equipment,education,1,6947.1,0.054,18,406.96,current,not_applicable,moderate_burden
Malawi,2019,rural,male,34,25-34,highest,primary,self_employed,457.29,9,good,1,739,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,male,48,45-54,lowest,secondary,self_employed,21.2,1,none,0,542,1,microfinance,1007.75,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2021,rural,female,28,25-34,middle,secondary,employed_informal,205.62,5,good,1,165,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,female,62,55+,second,primary,farmer,167.53,3,good,0,217,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,53,45-54,lowest,secondary,self_employed,41.95,1,limited,0,198,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2024,rural,male,20,18-24,fourth,secondary,self_employed,648.84,3,good,1,776,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,65,55+,fourth,primary,self_employed,466.16,4,limited,1,803,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,female,62,55+,second,primary,farmer,466.59,9,limited,1,210,1,commercial_bank,10529.59,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2023,rural,male,48,45-54,second,primary,self_employed,290.16,10,limited,0,448,1,family_friends,5664.97,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2022,rural,female,38,35-44,second,secondary,unemployed,240.75,1,limited,1,504,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,52,45-54,middle,secondary,employed_informal,76.88,9,good,1,96,1,digital_lender,4825.06,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2024,rural,female,54,45-54,lowest,primary,employed_formal,26.45,7,none,1,730,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,48,45-54,second,secondary,farmer,163.75,5,none,0,470,1,informal_lender,5526.76,none,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2021,urban,female,68,55+,second,none,employed_informal,246.48,7,limited,1,678,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,female,20,18-24,lowest,secondary,farmer,139.82,7,good,0,850,1,digital_lender,2814.07,equipment,business,1,2347.8,0.407,24,137.62,current,not_applicable,moderate_burden
Mali,2024,rural,male,41,35-44,lowest,secondary,farmer,198.17,1,excellent,1,325,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,22,18-24,highest,none,self_employed,658.41,10,limited,0,531,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,35,25-34,lowest,tertiary,farmer,17.19,1,limited,0,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,51,45-54,middle,primary,self_employed,190.6,4,excellent,0,177,1,informal_lender,3710.35,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2025,urban,female,25,18-24,highest,none,unemployed,1493.08,1,none,0,801,1,sacco,17004.76,property,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Senegal,2025,rural,male,34,25-34,highest,primary,employed_informal,624.96,3,none,0,209,1,commercial_bank,4718.97,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2018,rural,female,20,18-24,middle,primary,self_employed,314.27,2,none,1,16,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,27,25-34,second,secondary,self_employed,222.49,2,none,0,103,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,male,33,25-34,lowest,primary,farmer,160.52,2,none,1,160,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,male,55,45-54,second,secondary,employed_informal,142.17,4,none,0,286,1,informal_lender,3304.82,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2022,rural,female,60,55+,lowest,tertiary,self_employed,72.93,2,limited,1,588,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,male,34,25-34,highest,secondary,farmer,304.08,1,good,1,275,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,male,29,25-34,middle,primary,self_employed,165.32,8,good,0,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,male,49,45-54,lowest,primary,unemployed,98.43,6,none,1,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,female,23,18-24,second,tertiary,self_employed,213.31,6,none,1,283,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,rural,female,55,45-54,middle,secondary,self_employed,295.34,10,good,1,523,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2024,urban,male,69,55+,lowest,primary,unemployed,76.85,1,excellent,1,497,1,commercial_bank,2502.69,none,asset_purchase,1,2428.61,0.161,48,58.76,paid_off,not_applicable,moderate_burden
Senegal,2021,rural,female,24,18-24,lowest,none,farmer,42.39,5,excellent,1,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,66,55+,second,secondary,farmer,69.99,2,none,0,636,1,sacco,3304.12,none,business,1,2946.52,0.339,12,328.85,current,not_applicable,moderate_burden
Uganda,2018,rural,male,47,45-54,fourth,tertiary,farmer,291.07,9,good,0,832,1,informal_lender,6726.3,equipment,consumption,1,5543.61,0.793,12,828.26,paid_off,not_applicable,moderate_burden
Kenya,2020,rural,female,56,55+,second,secondary,self_employed,127.24,4,limited,1,849,1,microfinance,3880.96,none,housing,1,3521.96,0.271,18,248.69,paid_off,not_applicable,moderate_burden
Ghana,2022,rural,female,63,55+,highest,primary,farmer,431.27,1,limited,0,301,1,family_friends,2462.29,none,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2020,rural,female,69,55+,lowest,secondary,self_employed,93.0,9,good,0,302,1,digital_lender,3232.43,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2023,urban,female,20,18-24,second,secondary,unemployed,130.97,4,excellent,1,186,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,female,51,45-54,lowest,secondary,employed_informal,85.58,2,none,1,45,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,urban,female,66,55+,second,primary,self_employed,35.11,4,limited,1,296,1,digital_lender,1828.35,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2023,urban,female,55,45-54,second,secondary,self_employed,471.02,6,none,1,489,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,female,39,35-44,fourth,secondary,employed_informal,501.76,6,none,1,317,1,commercial_bank,8499.75,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
DRC,2019,rural,male,54,45-54,middle,none,employed_formal,217.93,10,none,1,631,1,family_friends,14181.67,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2022,rural,female,28,25-34,lowest,secondary,self_employed,162.38,9,good,1,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,63,55+,fourth,tertiary,self_employed,978.18,3,excellent,0,725,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,rural,female,40,35-44,second,secondary,employed_informal,46.37,6,good,1,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,25,18-24,middle,none,self_employed,870.64,8,limited,0,477,1,family_friends,5395.29,equipment,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2025,rural,female,49,45-54,fourth,secondary,farmer,292.07,7,none,1,0,1,informal_lender,1891.66,savings,agriculture,1,1614.49,0.766,12,237.57,current,not_applicable,moderate_burden
Ethiopia,2021,urban,male,67,55+,lowest,primary,farmer,127.81,2,none,0,312,1,digital_lender,5509.31,property,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Tanzania,2018,rural,male,37,35-44,middle,tertiary,farmer,960.61,4,good,0,579,1,commercial_bank,4091.98,none,debt_consolidation,1,3479.92,0.144,24,165.84,late_30_days,not_applicable,moderate_burden
Rwanda,2024,rural,male,27,25-34,middle,secondary,self_employed,174.39,1,none,0,606,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,male,37,35-44,second,secondary,farmer,218.89,8,none,0,236,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,urban,female,44,35-44,fourth,secondary,farmer,407.45,2,excellent,0,164,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,female,62,55+,middle,secondary,employed_formal,129.2,4,excellent,1,397,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,41,35-44,highest,primary,employed_informal,560.39,2,none,1,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2021,rural,female,62,55+,second,secondary,self_employed,105.89,4,good,1,637,1,employer,3282.08,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2022,rural,male,39,35-44,second,none,employed_informal,81.87,6,good,0,667,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,18,18-24,fourth,secondary,self_employed,1126.95,5,limited,1,709,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,female,56,55+,fourth,none,employed_informal,244.75,10,none,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,male,37,35-44,fourth,primary,farmer,327.98,6,none,1,551,1,commercial_bank,7222.22,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2019,urban,female,31,25-34,fourth,secondary,unemployed,1314.02,5,limited,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,34,25-34,middle,secondary,unemployed,220.69,2,none,1,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,urban,male,49,45-54,second,primary,self_employed,520.48,9,good,0,284,1,sacco,7467.91,none,education,1,6041.81,0.293,12,651.23,late_60_days,not_applicable,moderate_burden
Niger,2022,rural,female,62,55+,highest,tertiary,employed_informal,143.62,1,none,0,468,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,rural,female,60,55+,fourth,secondary,farmer,188.61,7,limited,0,295,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,53,45-54,fourth,none,employed_informal,218.98,6,good,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,35,25-34,lowest,secondary,employed_formal,33.82,4,good,1,749,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,rural,male,22,18-24,lowest,none,employed_informal,230.11,8,none,0,443,1,informal_lender,1613.4,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Kenya,2022,urban,female,58,55+,middle,none,employed_formal,393.13,10,none,0,124,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,47,45-54,second,primary,employed_informal,88.43,6,limited,1,41,1,digital_lender,5723.34,savings,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2023,rural,female,64,55+,fourth,secondary,self_employed,520.25,2,none,0,692,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2021,rural,male,21,18-24,highest,primary,employed_informal,701.75,7,none,0,763,1,commercial_bank,2783.78,savings,debt_consolidation,1,2680.65,0.219,12,272.29,current,not_applicable,moderate_burden
Kenya,2023,rural,female,38,35-44,lowest,secondary,employed_formal,98.9,10,good,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2023,rural,male,31,25-34,fourth,primary,self_employed,474.57,3,none,0,96,1,informal_lender,6082.04,equipment,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Ethiopia,2024,rural,female,36,35-44,lowest,none,self_employed,124.52,4,none,0,604,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,33,25-34,middle,tertiary,farmer,358.69,4,good,1,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,rural,male,24,18-24,lowest,secondary,self_employed,177.66,10,none,1,280,1,commercial_bank,1654.71,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2023,urban,male,37,35-44,second,primary,employed_informal,413.71,5,limited,1,56,1,commercial_bank,3933.92,equipment,consumption,1,3763.42,0.156,18,241.73,late_60_days,not_applicable,moderate_burden
Senegal,2018,urban,male,37,35-44,second,secondary,farmer,75.4,9,excellent,1,631,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,24,18-24,second,primary,employed_informal,132.16,1,none,1,272,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,35,25-34,lowest,secondary,unemployed,197.56,4,none,0,0,1,family_friends,1518.5,none,consumption,1,1233.25,0.02,18,69.86,current,not_applicable,moderate_burden
Ethiopia,2023,rural,male,53,45-54,highest,primary,employed_informal,456.62,7,good,1,439,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,female,59,55+,middle,none,farmer,62.69,1,none,0,199,1,informal_lender,10116.25,savings,business,1,9661.98,0.753,24,705.74,paid_off,not_applicable,moderate_burden
Senegal,2024,urban,female,47,45-54,fourth,primary,self_employed,247.36,6,limited,0,298,1,digital_lender,12744.09,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2019,urban,female,45,35-44,second,tertiary,unemployed,305.49,6,limited,1,446,1,digital_lender,7368.19,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2025,rural,female,62,55+,fourth,secondary,farmer,407.87,2,excellent,0,846,1,sacco,5615.34,equipment,agriculture,1,4873.33,0.332,12,541.04,late_60_days,not_applicable,moderate_burden
Mozambique,2025,rural,female,20,18-24,second,tertiary,self_employed,75.16,8,good,0,467,1,commercial_bank,2273.26,property,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2025,rural,male,51,45-54,second,primary,farmer,114.17,3,none,1,98,1,digital_lender,3931.24,none,housing,1,3741.0,0.465,12,456.8,defaulted,not_applicable,moderate_burden
South Africa,2022,rural,female,60,55+,highest,primary,self_employed,475.38,8,none,1,682,1,informal_lender,17863.63,none,agriculture,1,17668.4,0.829,24,1346.67,paid_off,not_applicable,moderate_burden
Ethiopia,2019,urban,male,43,35-44,lowest,primary,farmer,109.46,4,none,1,668,1,commercial_bank,2744.47,equipment,consumption,1,2395.6,0.228,12,245.06,current,not_applicable,moderate_burden
Mozambique,2020,rural,male,33,25-34,second,tertiary,unemployed,69.31,1,limited,0,368,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,29,25-34,fourth,primary,employed_formal,581.61,9,limited,1,155,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2025,urban,female,23,18-24,fourth,secondary,farmer,500.03,5,none,0,168,1,informal_lender,20786.81,none,agriculture,1,17844.73,0.783,18,1768.11,current,not_applicable,moderate_burden
Ethiopia,2025,urban,male,46,45-54,highest,none,farmer,271.64,9,limited,1,770,1,commercial_bank,3373.3,equipment,business,1,2969.73,0.215,12,300.79,late_30_days,not_applicable,moderate_burden
Kenya,2024,rural,male,58,55+,lowest,none,farmer,60.34,1,none,1,385,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,35,25-34,lowest,tertiary,self_employed,137.3,5,limited,1,750,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,urban,female,21,18-24,second,primary,employed_informal,279.03,3,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,31,25-34,lowest,none,unemployed,197.32,1,none,1,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,urban,female,63,55+,highest,primary,employed_informal,1561.27,4,limited,1,437,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,urban,female,30,25-34,middle,secondary,self_employed,400.4,3,none,0,355,1,digital_lender,9240.67,vehicle,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2019,rural,male,34,25-34,highest,secondary,farmer,1585.02,2,limited,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2025,urban,female,44,35-44,lowest,primary,farmer,107.74,9,limited,0,340,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,male,69,55+,highest,none,farmer,2084.63,1,none,1,187,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,male,24,18-24,middle,none,employed_informal,124.96,2,none,0,27,1,digital_lender,2117.25,equipment,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2021,rural,female,55,45-54,middle,secondary,self_employed,264.4,2,none,0,457,1,informal_lender,1411.04,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Kenya,2023,rural,female,63,55+,lowest,primary,employed_informal,56.93,9,limited,0,736,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2020,rural,female,56,55+,highest,secondary,employed_informal,1093.66,3,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,46,45-54,fourth,tertiary,unemployed,283.48,4,limited,0,488,1,digital_lender,4481.16,savings,business,1,3805.86,0.405,12,445.68,late_30_days,not_applicable,moderate_burden
Nigeria,2025,rural,male,48,45-54,highest,tertiary,employed_informal,3146.85,5,limited,1,586,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,20,18-24,highest,primary,unemployed,3064.99,1,limited,0,464,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2022,rural,female,34,25-34,middle,secondary,employed_informal,109.51,10,none,0,117,1,informal_lender,1603.57,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2023,urban,female,54,45-54,highest,none,self_employed,776.27,5,good,0,452,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,urban,female,55,45-54,lowest,tertiary,unemployed,95.65,1,none,1,110,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,59,55+,lowest,secondary,self_employed,28.76,8,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2025,urban,female,45,35-44,fourth,none,farmer,100.41,2,none,0,164,1,family_friends,6961.0,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2023,urban,male,55,45-54,second,secondary,employed_informal,272.43,1,none,0,259,1,informal_lender,7519.16,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2023,rural,female,30,25-34,second,tertiary,self_employed,216.62,4,excellent,0,210,1,informal_lender,4389.47,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2024,urban,female,48,45-54,lowest,primary,self_employed,88.84,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,urban,male,34,25-34,second,primary,self_employed,195.33,9,none,1,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,urban,female,65,55+,highest,primary,employed_informal,749.08,6,excellent,0,850,1,microfinance,4508.65,none,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2023,urban,male,18,18-24,second,primary,employed_formal,70.41,10,limited,0,197,1,family_friends,2150.45,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2023,urban,female,45,35-44,lowest,primary,unemployed,55.61,1,none,1,625,1,microfinance,2948.54,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2022,rural,male,54,45-54,lowest,none,employed_formal,48.03,6,good,1,256,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,rural,male,68,55+,middle,tertiary,unemployed,342.59,5,limited,1,776,1,sacco,3528.77,property,asset_purchase,1,3440.0,0.29,24,184.89,current,not_applicable,moderate_burden
Uganda,2023,rural,male,64,55+,second,secondary,unemployed,81.98,4,good,1,158,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,urban,female,18,18-24,second,tertiary,employed_formal,405.41,10,good,0,598,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,male,20,18-24,highest,primary,self_employed,572.66,2,good,0,344,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,female,65,55+,lowest,secondary,self_employed,46.59,6,limited,1,184,1,digital_lender,2081.17,property,business,1,1834.08,0.495,24,114.22,late_30_days,not_applicable,moderate_burden
Malawi,2024,urban,female,59,55+,lowest,secondary,employed_formal,69.21,6,good,0,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,male,20,18-24,second,tertiary,employed_formal,208.42,4,limited,0,317,1,sacco,1379.61,guarantor,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2025,rural,male,21,18-24,highest,none,self_employed,618.91,9,good,0,830,1,informal_lender,11150.94,vehicle,education,1,9379.49,0.778,6,2779.8,current,not_applicable,moderate_burden
Mozambique,2024,rural,female,27,25-34,second,secondary,employed_formal,98.26,10,none,0,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,54,45-54,second,primary,unemployed,111.72,2,limited,1,836,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,29,25-34,fourth,secondary,self_employed,357.32,8,limited,0,804,1,digital_lender,8715.69,savings,debt_consolidation,1,7241.09,0.4,24,422.48,paid_off,not_applicable,moderate_burden
Malawi,2021,urban,male,57,55+,second,secondary,farmer,93.92,2,good,1,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,23,18-24,fourth,primary,self_employed,221.49,3,none,0,534,1,family_friends,2105.51,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Uganda,2018,rural,female,39,35-44,lowest,primary,employed_formal,25.22,7,none,0,730,1,informal_lender,2477.61,savings,business,1,2040.76,0.773,24,150.72,late_30_days,not_applicable,moderate_burden
Malawi,2025,rural,male,29,25-34,highest,secondary,employed_informal,465.51,8,none,1,217,1,informal_lender,12174.89,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2024,rural,female,55,45-54,highest,secondary,self_employed,422.76,3,good,0,595,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2024,rural,female,45,35-44,middle,primary,farmer,87.33,7,none,0,355,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,67,55+,second,secondary,employed_informal,126.33,8,limited,0,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,male,25,18-24,lowest,tertiary,self_employed,55.63,6,limited,1,287,1,family_friends,3375.57,none,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Malawi,2025,urban,female,33,25-34,second,secondary,self_employed,227.1,9,none,0,513,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,male,25,18-24,middle,primary,employed_informal,131.56,2,none,0,281,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,female,52,45-54,lowest,none,self_employed,124.61,1,none,0,173,1,digital_lender,1169.05,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2019,rural,female,60,55+,highest,none,employed_formal,649.66,5,good,1,730,1,microfinance,2547.19,equipment,agriculture,1,2047.6,0.301,12,221.95,current,not_applicable,moderate_burden
South Africa,2023,rural,female,35,25-34,second,tertiary,self_employed,174.04,6,limited,0,146,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,63,55+,middle,none,self_employed,383.54,4,none,0,63,1,sacco,7976.01,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,urban,male,29,25-34,lowest,none,farmer,124.25,5,excellent,0,726,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,male,54,45-54,second,secondary,self_employed,245.34,2,good,0,99,1,employer,1809.59,property,agriculture,1,1560.47,0.011,12,131.51,current,not_applicable,moderate_burden
DRC,2018,rural,male,38,35-44,middle,primary,farmer,479.44,3,none,0,569,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,urban,male,18,18-24,middle,secondary,farmer,1209.31,6,none,1,685,1,microfinance,14084.8,property,agriculture,1,12438.88,0.277,6,2648.05,late_60_days,not_applicable,moderate_burden
Uganda,2025,rural,female,30,25-34,lowest,none,self_employed,75.32,2,limited,0,698,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,60,55+,lowest,secondary,employed_formal,105.7,10,none,1,274,1,sacco,3344.3,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2021,rural,female,58,55+,second,secondary,unemployed,119.45,1,good,1,348,1,commercial_bank,8347.01,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2025,rural,male,26,25-34,highest,tertiary,farmer,177.0,8,limited,1,255,1,informal_lender,2648.66,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2024,urban,male,44,35-44,second,primary,unemployed,197.67,1,limited,0,335,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,67,55+,middle,primary,unemployed,117.12,1,good,1,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,male,57,55+,second,tertiary,farmer,128.31,6,none,0,337,1,informal_lender,3755.65,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2024,rural,female,18,18-24,second,tertiary,employed_formal,134.0,10,none,0,527,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2019,urban,male,52,45-54,lowest,secondary,farmer,45.87,3,none,1,0,1,commercial_bank,3839.27,guarantor,education,1,3284.41,0.147,12,313.84,current,not_applicable,moderate_burden
Niger,2021,rural,male,42,35-44,lowest,none,employed_formal,35.3,9,limited,1,250,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,41,35-44,lowest,secondary,employed_informal,93.55,3,limited,0,8,1,informal_lender,4852.97,equipment,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mali,2023,rural,male,52,45-54,middle,secondary,employed_informal,787.16,9,excellent,1,250,1,microfinance,14232.24,vehicle,business,1,11856.8,0.347,18,887.18,current,not_applicable,moderate_burden
Senegal,2019,rural,female,40,35-44,lowest,secondary,employed_informal,169.67,5,limited,0,793,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,female,38,35-44,lowest,tertiary,farmer,47.31,6,limited,1,3,1,commercial_bank,1169.39,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2024,rural,male,47,45-54,fourth,secondary,employed_formal,134.17,10,limited,1,605,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,38,35-44,middle,secondary,unemployed,149.24,1,none,1,60,1,microfinance,1062.21,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Malawi,2018,rural,female,37,35-44,second,primary,employed_formal,169.54,6,none,0,153,1,employer,2990.97,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2025,rural,male,48,45-54,middle,secondary,employed_informal,64.14,3,limited,0,536,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,urban,male,34,25-34,highest,secondary,unemployed,747.23,1,good,1,850,1,sacco,3734.01,guarantor,asset_purchase,1,3707.76,0.325,18,272.87,current,not_applicable,moderate_burden
Senegal,2025,urban,female,42,35-44,middle,tertiary,self_employed,175.8,6,none,0,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,female,34,25-34,highest,secondary,farmer,786.82,4,good,1,194,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,female,60,55+,highest,primary,unemployed,1290.32,1,none,1,147,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,female,34,25-34,lowest,primary,self_employed,78.57,10,good,0,266,1,microfinance,1978.95,savings,emergency,1,1678.63,0.353,12,189.28,current,not_applicable,moderate_burden
Zambia,2024,rural,male,45,35-44,second,secondary,self_employed,116.31,8,none,0,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,rural,female,27,25-34,second,tertiary,farmer,154.2,8,limited,0,273,1,commercial_bank,1689.47,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2019,rural,female,34,25-34,lowest,primary,farmer,43.69,7,limited,0,624,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,25,18-24,second,secondary,employed_informal,247.5,3,limited,1,177,1,commercial_bank,6504.15,guarantor,business,1,6313.1,0.172,18,411.2,defaulted,not_applicable,moderate_burden
Malawi,2022,urban,male,62,55+,lowest,secondary,self_employed,76.54,9,limited,0,112,1,digital_lender,2786.62,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2024,rural,female,27,25-34,second,none,self_employed,159.45,6,limited,1,599,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,32,25-34,highest,primary,employed_informal,783.22,2,none,1,804,1,digital_lender,7854.46,guarantor,housing,1,7586.1,0.474,12,932.03,current,not_applicable,moderate_burden
Senegal,2022,rural,female,28,25-34,lowest,tertiary,self_employed,81.6,2,none,1,613,1,sacco,4056.12,none,consumption,1,3255.49,0.292,6,700.79,current,not_applicable,moderate_burden
Rwanda,2023,rural,male,31,25-34,second,secondary,self_employed,24.23,8,none,0,496,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,rural,female,30,25-34,fourth,primary,employed_informal,227.33,2,none,1,247,1,sacco,2395.77,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,rural,female,33,25-34,lowest,tertiary,employed_informal,78.5,2,none,0,70,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,18,18-24,second,none,farmer,115.83,1,none,1,651,1,microfinance,3015.59,none,consumption,1,2506.76,0.358,12,283.68,late_30_days,not_applicable,moderate_burden
South Africa,2022,rural,male,30,25-34,lowest,secondary,self_employed,23.66,10,none,0,652,1,family_friends,2664.14,none,business,1,2144.04,0.09,18,129.83,late_30_days,not_applicable,moderate_burden
South Africa,2019,rural,male,27,25-34,fourth,primary,unemployed,1139.58,6,none,0,587,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,53,45-54,highest,none,employed_formal,1891.76,6,none,1,188,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,male,29,25-34,second,primary,self_employed,54.94,3,limited,0,71,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2021,rural,male,64,55+,middle,primary,self_employed,387.64,4,limited,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,rural,male,19,18-24,second,secondary,self_employed,433.29,7,none,0,445,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,male,22,18-24,middle,secondary,farmer,243.39,6,none,0,179,1,sacco,2340.24,none,business,1,2045.91,0.364,12,232.58,current,not_applicable,moderate_burden
Malawi,2024,rural,male,55,45-54,second,primary,self_employed,218.57,5,none,0,495,1,family_friends,9734.82,vehicle,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
South Africa,2023,rural,male,58,55+,middle,primary,employed_formal,245.75,7,good,1,427,1,digital_lender,2970.89,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Rwanda,2021,rural,female,32,25-34,lowest,secondary,employed_informal,49.6,7,good,1,503,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,urban,male,29,25-34,fourth,none,employed_informal,477.91,10,excellent,1,294,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,female,64,55+,middle,secondary,self_employed,349.41,1,none,1,0,1,family_friends,6607.92,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Tanzania,2024,rural,female,30,25-34,highest,secondary,self_employed,260.96,3,limited,1,676,1,digital_lender,2920.54,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Kenya,2019,rural,male,27,25-34,fourth,primary,self_employed,571.0,3,none,1,462,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,urban,female,47,45-54,fourth,secondary,employed_formal,887.8,10,limited,1,134,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,urban,male,50,45-54,middle,secondary,farmer,379.0,7,limited,1,86,1,employer,4283.54,savings,housing,1,3739.99,0.078,12,335.82,current,not_applicable,moderate_burden
Tanzania,2023,urban,female,57,55+,lowest,secondary,employed_informal,78.87,10,none,0,438,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,urban,male,50,45-54,lowest,primary,employed_formal,63.94,7,limited,0,509,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,female,29,25-34,fourth,secondary,farmer,212.09,4,none,1,701,1,sacco,3793.88,vehicle,business,1,3187.44,0.309,12,347.6,current,not_applicable,moderate_burden
DRC,2022,urban,female,41,35-44,fourth,primary,employed_informal,240.66,9,limited,1,59,1,commercial_bank,5208.79,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2019,rural,male,35,25-34,middle,secondary,farmer,215.56,5,limited,1,701,1,family_friends,12204.88,property,housing,1,11269.82,0.022,24,479.74,late_30_days,not_applicable,moderate_burden
Zambia,2022,rural,male,45,35-44,middle,none,self_employed,153.36,2,none,0,481,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,female,18,18-24,lowest,primary,farmer,36.68,4,good,0,592,1,sacco,1253.66,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2025,rural,female,36,35-44,fourth,none,employed_informal,328.44,4,none,1,545,1,commercial_bank,8506.82,equipment,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mali,2019,rural,male,40,35-44,lowest,none,employed_informal,19.73,5,none,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,urban,female,37,35-44,fourth,primary,employed_informal,236.79,9,none,0,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,61,55+,fourth,secondary,farmer,469.98,2,limited,0,194,1,commercial_bank,5204.04,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2025,urban,female,40,35-44,middle,tertiary,self_employed,95.17,4,none,0,0,1,informal_lender,5596.22,property,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ghana,2021,rural,female,34,25-34,middle,tertiary,self_employed,74.7,2,limited,0,418,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,male,51,45-54,lowest,primary,farmer,34.04,3,good,1,106,1,employer,1566.84,property,emergency,1,1396.36,0.083,24,63.0,paid_off,not_applicable,moderate_burden
Uganda,2024,urban,male,19,18-24,fourth,none,farmer,594.33,3,none,0,22,1,sacco,3043.51,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2024,rural,male,51,45-54,lowest,secondary,employed_informal,56.87,4,limited,0,333,1,family_friends,1469.75,property,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2023,urban,female,44,35-44,second,tertiary,self_employed,26.0,10,limited,1,360,1,informal_lender,4228.31,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
DRC,2019,urban,female,60,55+,lowest,none,unemployed,314.91,4,good,0,798,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2022,rural,female,68,55+,lowest,primary,employed_informal,26.88,8,limited,1,521,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,male,22,18-24,second,secondary,employed_formal,120.06,10,limited,1,666,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,58,55+,second,secondary,self_employed,57.88,2,limited,0,88,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,41,35-44,second,none,unemployed,34.1,1,limited,1,4,1,digital_lender,2486.55,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2020,rural,male,39,35-44,lowest,tertiary,self_employed,41.81,6,none,1,0,1,sacco,3603.1,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2024,rural,female,33,25-34,middle,secondary,farmer,482.06,10,good,0,173,1,informal_lender,5872.46,equipment,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2021,rural,female,51,45-54,lowest,none,unemployed,8.16,1,excellent,0,382,1,microfinance,1247.71,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Uganda,2021,urban,male,57,55+,lowest,secondary,unemployed,73.97,1,limited,0,477,1,family_friends,1785.83,equipment,business,1,1444.41,0.044,6,251.4,current,not_applicable,moderate_burden
Mali,2021,rural,male,30,25-34,middle,primary,self_employed,49.37,8,limited,0,398,1,digital_lender,3339.61,savings,emergency,1,3172.49,0.416,6,748.46,current,not_applicable,moderate_burden
Niger,2021,rural,female,26,25-34,lowest,primary,employed_informal,19.7,2,none,0,84,1,digital_lender,3075.58,none,housing,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2024,urban,female,26,25-34,fourth,primary,farmer,310.04,4,none,1,78,1,digital_lender,7660.45,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
South Africa,2023,rural,female,30,25-34,lowest,secondary,unemployed,11.12,1,none,1,655,1,commercial_bank,1229.5,guarantor,consumption,1,1050.25,0.155,6,202.19,late_30_days,not_applicable,moderate_burden
Malawi,2024,rural,female,32,25-34,highest,secondary,farmer,676.19,1,limited,1,232,1,commercial_bank,12649.41,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2018,urban,female,42,35-44,middle,primary,unemployed,783.91,3,none,1,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2021,urban,female,48,45-54,middle,none,farmer,428.77,7,limited,0,653,1,family_friends,6327.03,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Zambia,2020,urban,female,37,35-44,second,primary,employed_formal,467.17,5,limited,1,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,urban,male,52,45-54,lowest,tertiary,farmer,70.81,6,excellent,0,253,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2020,urban,female,35,25-34,middle,primary,employed_informal,307.07,7,limited,0,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,female,32,25-34,lowest,secondary,self_employed,193.49,6,none,0,679,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,52,45-54,fourth,none,unemployed,518.43,5,good,1,657,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,male,46,45-54,lowest,tertiary,self_employed,76.35,2,none,0,484,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2022,rural,female,27,25-34,lowest,secondary,self_employed,63.99,4,none,1,76,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,rural,female,51,45-54,lowest,none,farmer,103.38,5,good,1,148,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2019,urban,male,34,25-34,middle,secondary,self_employed,392.78,7,excellent,0,298,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,male,52,45-54,highest,secondary,farmer,817.57,1,good,1,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,56,55+,lowest,secondary,employed_formal,51.66,10,limited,0,792,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2020,urban,female,63,55+,second,secondary,unemployed,182.23,4,good,1,203,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,50,45-54,second,secondary,unemployed,121.51,1,limited,0,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,42,35-44,middle,none,employed_informal,133.57,3,none,0,388,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,55,45-54,second,none,employed_informal,154.05,4,limited,1,68,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,female,56,55+,middle,primary,employed_informal,261.46,6,limited,0,695,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,58,55+,lowest,primary,self_employed,72.95,4,good,1,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,rural,male,24,18-24,fourth,primary,employed_formal,396.97,10,none,1,222,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,19,18-24,highest,tertiary,employed_informal,587.79,3,none,0,239,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2022,urban,female,33,25-34,highest,primary,self_employed,633.53,4,limited,1,123,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,urban,male,56,55+,highest,primary,self_employed,6581.21,4,none,0,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,urban,male,58,55+,lowest,none,farmer,177.29,10,limited,0,772,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,48,45-54,lowest,secondary,self_employed,37.64,4,limited,1,263,1,sacco,3105.91,vehicle,business,1,2714.65,0.349,18,203.42,paid_off,not_applicable,moderate_burden
Ghana,2018,rural,male,46,45-54,second,none,self_employed,47.18,2,good,0,89,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,urban,male,55,45-54,lowest,primary,unemployed,54.39,1,limited,1,187,1,family_friends,1584.23,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2022,rural,male,51,45-54,second,primary,employed_formal,278.41,7,none,0,24,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,rural,female,41,35-44,fourth,secondary,employed_formal,1069.68,10,good,0,562,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,28,25-34,fourth,secondary,employed_formal,213.85,5,limited,0,68,1,family_friends,4122.9,guarantor,business,1,3636.14,0.065,36,107.59,current,not_applicable,moderate_burden
Rwanda,2020,urban,female,59,55+,lowest,primary,employed_formal,45.3,10,none,1,738,1,microfinance,2165.97,guarantor,consumption,1,2129.37,0.368,12,242.66,late_30_days,not_applicable,moderate_burden
DRC,2018,rural,female,59,55+,highest,primary,farmer,979.13,9,none,0,643,1,sacco,9379.79,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2023,rural,female,68,55+,fourth,secondary,self_employed,222.03,3,limited,0,12,1,sacco,3426.42,none,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2022,urban,male,31,25-34,lowest,primary,self_employed,62.27,9,limited,0,651,1,family_friends,1674.36,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Kenya,2023,rural,female,40,35-44,middle,tertiary,self_employed,685.82,7,none,1,381,1,commercial_bank,8232.75,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2018,rural,male,49,45-54,fourth,none,self_employed,258.79,3,none,0,97,1,sacco,3773.32,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ghana,2018,urban,male,27,25-34,middle,primary,self_employed,140.62,9,none,1,26,1,sacco,2236.81,guarantor,asset_purchase,1,2133.64,0.296,24,115.25,current,not_applicable,moderate_burden
Kenya,2018,rural,male,63,55+,lowest,primary,farmer,82.59,2,none,0,0,1,sacco,1686.41,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2022,urban,male,26,25-34,highest,secondary,farmer,2370.54,6,none,0,729,1,microfinance,11914.38,none,agriculture,1,10233.04,0.342,24,572.26,current,not_applicable,moderate_burden
Zambia,2018,urban,male,57,55+,middle,tertiary,employed_informal,505.88,5,none,1,113,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2025,rural,female,19,18-24,lowest,tertiary,employed_formal,85.65,7,none,0,48,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2018,rural,female,32,25-34,middle,primary,farmer,108.63,6,good,0,850,1,digital_lender,5518.86,none,business,1,5380.21,0.42,6,1273.06,late_30_days,not_applicable,moderate_burden
Ethiopia,2024,urban,female,59,55+,lowest,none,unemployed,22.58,1,good,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,24,18-24,middle,tertiary,farmer,195.71,1,limited,0,551,1,digital_lender,30232.78,property,education,1,27735.42,0.446,12,3341.18,current,not_applicable,moderate_burden
South Africa,2019,rural,male,19,18-24,highest,secondary,unemployed,1933.74,1,limited,1,142,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,male,43,35-44,middle,none,unemployed,905.44,4,limited,0,708,1,family_friends,6103.61,none,emergency,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2023,rural,male,48,45-54,second,secondary,self_employed,64.82,7,none,1,660,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,30,25-34,lowest,primary,self_employed,80.97,6,good,1,786,1,commercial_bank,10216.32,none,agriculture,1,9661.94,0.21,24,487.25,current,not_applicable,moderate_burden
Mozambique,2019,rural,male,46,45-54,middle,secondary,self_employed,195.01,10,limited,1,7,1,commercial_bank,9293.33,guarantor,agriculture,1,8892.28,0.208,12,895.49,current,not_applicable,moderate_burden
Ethiopia,2024,urban,female,52,45-54,lowest,secondary,self_employed,195.98,7,limited,1,450,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,female,23,18-24,middle,primary,farmer,504.56,9,none,1,289,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,rural,female,40,35-44,second,primary,employed_formal,110.42,9,good,1,494,1,commercial_bank,3231.84,guarantor,business,1,3059.64,0.169,6,595.92,late_30_days,not_applicable,moderate_burden
Nigeria,2020,urban,male,45,35-44,second,primary,farmer,30.32,8,limited,0,404,1,informal_lender,3602.16,none,housing,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2023,urban,female,46,45-54,fourth,primary,employed_formal,623.64,9,limited,1,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,urban,female,39,35-44,middle,secondary,self_employed,196.36,3,none,0,315,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,urban,male,18,18-24,second,secondary,farmer,410.84,9,none,1,743,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2019,rural,female,33,25-34,middle,none,employed_informal,104.2,5,good,1,685,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,46,45-54,second,tertiary,self_employed,127.0,3,none,0,85,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,urban,male,21,18-24,second,secondary,farmer,321.79,9,none,0,333,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,39,35-44,middle,secondary,self_employed,418.16,9,none,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,rural,male,47,45-54,second,primary,farmer,89.25,4,limited,0,261,1,informal_lender,4104.77,none,agriculture,1,3991.78,0.754,12,583.42,current,not_applicable,moderate_burden
Kenya,2022,rural,female,63,55+,lowest,secondary,self_employed,40.66,5,none,1,46,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2018,rural,male,66,55+,second,primary,self_employed,139.02,2,limited,1,260,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,rural,female,60,55+,lowest,primary,employed_informal,21.3,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,female,62,55+,fourth,primary,employed_informal,131.09,10,limited,1,192,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,urban,female,20,18-24,second,primary,self_employed,87.89,1,none,0,184,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,male,57,55+,middle,primary,unemployed,147.49,5,limited,0,167,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,urban,male,21,18-24,middle,tertiary,farmer,280.43,6,none,0,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2021,rural,male,38,35-44,middle,none,self_employed,477.29,7,limited,1,405,1,microfinance,5655.09,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Malawi,2022,rural,female,46,45-54,highest,primary,employed_formal,441.99,8,limited,0,683,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,male,23,18-24,middle,none,self_employed,185.68,4,none,0,653,1,digital_lender,6727.99,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2025,urban,female,65,55+,second,primary,farmer,149.7,7,none,0,227,1,employer,5741.82,guarantor,business,1,5135.61,0.09,12,466.61,late_30_days,not_applicable,moderate_burden
South Africa,2020,urban,male,40,35-44,middle,secondary,self_employed,112.6,1,limited,1,588,1,microfinance,2684.74,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Niger,2025,rural,male,35,25-34,middle,primary,self_employed,117.81,7,none,0,291,1,informal_lender,3583.56,savings,housing,1,2924.67,0.796,18,291.78,defaulted,not_applicable,moderate_burden
South Africa,2023,rural,male,51,45-54,highest,tertiary,self_employed,271.97,10,none,0,560,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,urban,female,36,35-44,highest,secondary,unemployed,1046.27,1,none,0,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,61,55+,middle,primary,employed_informal,110.24,10,none,1,354,1,commercial_bank,896.47,savings,asset_purchase,1,819.22,0.224,6,167.13,current,not_applicable,moderate_burden
Ethiopia,2019,urban,female,43,35-44,lowest,none,self_employed,230.84,1,none,0,296,1,microfinance,4206.52,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Zambia,2022,rural,male,62,55+,lowest,primary,self_employed,38.4,7,excellent,0,611,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,male,34,25-34,lowest,secondary,unemployed,128.31,1,limited,0,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,female,40,35-44,highest,secondary,employed_formal,1461.82,4,none,1,22,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,female,35,25-34,fourth,secondary,employed_formal,268.25,10,none,1,616,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,34,25-34,highest,primary,unemployed,561.48,1,limited,0,528,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,38,35-44,second,secondary,employed_informal,252.65,8,none,1,527,1,digital_lender,2984.85,property,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
DRC,2020,urban,male,51,45-54,lowest,secondary,employed_informal,119.01,9,limited,0,518,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,58,55+,lowest,primary,employed_informal,24.28,1,limited,0,13,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2019,urban,male,38,35-44,middle,primary,employed_formal,203.98,10,limited,0,714,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,male,35,25-34,middle,primary,self_employed,198.9,7,limited,0,371,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,48,45-54,middle,secondary,self_employed,101.15,7,none,1,645,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,57,55+,fourth,secondary,employed_formal,1369.03,10,none,0,86,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2021,rural,female,25,18-24,fourth,primary,self_employed,99.93,8,none,1,45,1,commercial_bank,6327.04,none,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ghana,2020,urban,male,44,35-44,second,none,self_employed,493.87,7,limited,1,106,1,commercial_bank,2644.92,none,housing,1,2497.64,0.226,18,170.15,current,not_applicable,moderate_burden
Uganda,2025,rural,male,29,25-34,second,primary,employed_informal,137.73,3,none,0,383,1,digital_lender,10560.7,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Uganda,2021,rural,female,65,55+,second,primary,employed_informal,457.55,8,none,0,100,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2018,urban,male,50,45-54,highest,tertiary,employed_informal,2092.15,8,none,1,509,1,commercial_bank,16991.38,none,agriculture,1,14647.27,0.154,12,1408.73,paid_off,not_applicable,moderate_burden
Rwanda,2023,urban,male,31,25-34,lowest,primary,employed_formal,64.41,7,limited,0,182,1,microfinance,6665.51,none,business,1,6609.56,0.342,36,246.36,current,not_applicable,moderate_burden
Ghana,2020,urban,male,49,45-54,fourth,secondary,farmer,472.72,4,limited,0,706,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,urban,female,29,25-34,second,secondary,self_employed,65.97,2,none,1,240,1,microfinance,2625.95,equipment,agriculture,1,2621.06,0.348,12,294.54,late_60_days,not_applicable,moderate_burden
Niger,2020,urban,male,30,25-34,middle,none,employed_informal,583.47,8,none,1,472,1,commercial_bank,10531.22,equipment,consumption,1,8742.36,0.143,36,277.63,defaulted,not_applicable,moderate_burden
Mali,2024,rural,female,69,55+,fourth,primary,farmer,401.72,7,excellent,0,726,1,family_friends,9010.46,none,housing,1,8782.38,0.075,18,524.49,defaulted,not_applicable,moderate_burden
Malawi,2023,rural,female,34,25-34,second,tertiary,self_employed,158.93,9,limited,0,821,1,family_friends,845.9,guarantor,business,1,742.17,0.071,36,22.07,current,not_applicable,moderate_burden
Kenya,2023,rural,female,66,55+,middle,secondary,employed_informal,183.36,1,good,0,845,1,family_friends,3436.37,equipment,business,1,3334.66,0.043,24,144.87,late_30_days,not_applicable,moderate_burden
Malawi,2024,rural,male,46,45-54,fourth,secondary,farmer,161.39,7,excellent,1,850,1,commercial_bank,7266.68,none,business,1,6230.85,0.134,12,588.98,late_60_days,not_applicable,moderate_burden
DRC,2025,urban,female,59,55+,second,none,self_employed,133.56,6,limited,0,327,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2019,urban,female,31,25-34,second,primary,self_employed,233.13,8,none,1,171,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,rural,male,37,35-44,fourth,primary,self_employed,57.23,2,good,1,243,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,female,67,55+,fourth,none,employed_informal,1891.82,2,none,0,78,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2025,rural,female,44,35-44,highest,none,self_employed,991.23,9,none,1,846,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2018,rural,female,55,45-54,fourth,primary,farmer,617.97,10,good,1,819,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2023,rural,male,47,45-54,middle,none,farmer,355.67,1,limited,1,578,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2021,rural,female,21,18-24,lowest,primary,employed_informal,75.34,10,excellent,1,542,1,digital_lender,2848.48,none,consumption,1,2432.38,0.445,12,292.81,paid_off,not_applicable,moderate_burden
Nigeria,2024,rural,male,57,55+,lowest,primary,employed_informal,25.6,6,good,0,475,1,informal_lender,1680.33,savings,emergency,1,1550.05,0.772,12,228.88,late_30_days,not_applicable,moderate_burden
Tanzania,2024,rural,male,21,18-24,lowest,secondary,farmer,23.1,9,none,0,611,1,microfinance,2647.81,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2018,urban,male,21,18-24,fourth,secondary,employed_informal,174.34,6,none,0,567,1,informal_lender,3411.11,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2020,rural,female,33,25-34,highest,none,self_employed,494.99,8,good,1,618,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,female,67,55+,lowest,none,self_employed,104.09,8,good,0,569,1,commercial_bank,2360.22,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mali,2024,urban,female,68,55+,highest,none,employed_informal,2895.25,4,excellent,0,508,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,urban,female,44,35-44,middle,primary,unemployed,291.74,3,none,1,93,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,46,45-54,highest,secondary,employed_informal,1107.64,1,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,male,32,25-34,second,primary,self_employed,135.73,2,excellent,1,286,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,female,60,55+,lowest,none,employed_formal,96.46,7,none,0,0,1,informal_lender,9319.23,guarantor,emergency,1,8930.07,0.848,6,2751.18,paid_off,not_applicable,moderate_burden
Niger,2022,rural,male,47,45-54,second,primary,employed_informal,184.88,4,good,0,734,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,female,21,18-24,fourth,tertiary,employed_informal,467.0,3,none,1,343,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,female,24,18-24,fourth,secondary,farmer,527.68,6,good,0,473,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2020,rural,male,25,18-24,lowest,none,unemployed,117.94,1,good,0,682,1,sacco,2816.52,savings,education,1,2616.29,0.312,18,190.65,current,not_applicable,moderate_burden
Mozambique,2023,rural,male,69,55+,lowest,tertiary,farmer,41.84,1,limited,0,737,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2019,rural,female,21,18-24,middle,primary,unemployed,117.42,1,limited,1,573,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,18,18-24,lowest,secondary,farmer,127.39,1,limited,0,86,1,microfinance,2268.43,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2019,urban,female,27,25-34,second,primary,employed_formal,72.36,10,none,1,453,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,urban,female,57,55+,lowest,primary,employed_informal,49.05,10,limited,1,828,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,urban,male,42,35-44,second,secondary,farmer,438.56,5,none,0,540,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,male,21,18-24,fourth,tertiary,employed_informal,1112.47,10,good,1,266,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,female,52,45-54,middle,none,farmer,411.43,7,none,0,0,1,informal_lender,9772.48,guarantor,consumption,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Nigeria,2019,rural,male,59,55+,middle,primary,farmer,124.4,4,none,0,610,1,employer,4917.77,guarantor,debt_consolidation,1,3953.99,0.003,48,82.6,late_60_days,not_applicable,moderate_burden
Senegal,2020,urban,female,29,25-34,middle,secondary,employed_formal,173.08,8,none,0,0,1,sacco,2894.58,none,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2019,rural,female,30,25-34,highest,primary,employed_informal,759.15,2,none,1,480,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,rural,female,18,18-24,middle,tertiary,unemployed,425.2,1,good,1,383,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,53,45-54,middle,secondary,self_employed,79.74,5,none,0,621,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,rural,male,18,18-24,highest,none,self_employed,946.09,3,none,0,598,1,informal_lender,5688.04,savings,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2018,rural,male,25,18-24,second,secondary,self_employed,70.4,6,limited,0,366,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2021,rural,male,27,25-34,lowest,secondary,self_employed,44.69,10,good,0,499,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2022,urban,female,26,25-34,middle,primary,employed_informal,303.35,10,good,1,384,1,commercial_bank,6510.66,savings,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Kenya,2025,rural,female,60,55+,highest,none,unemployed,692.8,4,limited,1,716,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2023,rural,female,61,55+,fourth,secondary,employed_formal,892.75,9,good,1,191,1,commercial_bank,5635.73,none,emergency,1,4788.35,0.208,24,241.07,current,not_applicable,moderate_burden
Nigeria,2024,urban,male,54,45-54,highest,tertiary,self_employed,602.45,8,none,1,778,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2022,rural,male,44,35-44,lowest,none,farmer,59.09,4,limited,1,369,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2024,rural,male,20,18-24,lowest,tertiary,farmer,90.69,5,none,0,28,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,61,55+,middle,tertiary,self_employed,72.18,5,none,1,463,1,sacco,3545.67,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Mozambique,2020,rural,female,49,45-54,fourth,primary,employed_formal,662.5,5,none,1,715,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,female,58,55+,highest,primary,self_employed,940.43,5,limited,0,149,1,informal_lender,7894.98,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
DRC,2018,rural,male,32,25-34,middle,none,self_employed,265.45,1,excellent,1,204,1,commercial_bank,3183.04,savings,education,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Tanzania,2025,rural,male,36,35-44,middle,primary,self_employed,686.15,6,none,0,0,1,family_friends,10012.36,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Rwanda,2022,rural,female,63,55+,highest,secondary,employed_informal,1026.11,2,none,1,7,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,rural,male,59,55+,highest,none,self_employed,946.81,5,none,1,840,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,urban,female,49,45-54,second,secondary,employed_formal,129.42,10,good,1,589,1,commercial_bank,2875.01,guarantor,consumption,1,2343.12,0.21,18,157.53,late_60_days,not_applicable,moderate_burden
Zambia,2018,urban,male,52,45-54,fourth,tertiary,self_employed,410.72,6,none,0,168,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2018,rural,female,24,18-24,fourth,secondary,employed_informal,148.44,8,none,0,448,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2022,rural,female,30,25-34,highest,primary,self_employed,827.2,6,none,0,193,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,37,35-44,fourth,none,employed_formal,965.11,10,excellent,1,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,rural,male,32,25-34,second,primary,employed_informal,55.14,10,limited,0,259,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2025,rural,female,21,18-24,middle,tertiary,unemployed,348.79,5,excellent,1,323,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,male,28,25-34,lowest,primary,employed_informal,80.44,6,none,1,507,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,female,56,55+,fourth,secondary,unemployed,349.72,3,limited,1,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,male,25,18-24,lowest,primary,employed_informal,103.58,1,none,1,544,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2018,rural,female,22,18-24,middle,primary,employed_informal,195.71,4,none,0,629,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,male,58,55+,second,primary,farmer,78.7,6,excellent,0,574,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,48,45-54,lowest,secondary,self_employed,111.26,7,limited,0,280,1,microfinance,3018.37,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,rural,female,55,45-54,middle,none,farmer,88.8,10,limited,0,574,1,microfinance,9931.7,none,consumption,1,9747.86,0.281,12,1040.49,current,not_applicable,moderate_burden
Nigeria,2019,rural,male,48,45-54,fourth,none,employed_formal,344.95,5,limited,1,52,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,female,64,55+,lowest,secondary,employed_informal,67.17,6,none,1,565,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2024,rural,female,20,18-24,second,primary,employed_formal,310.12,10,limited,0,234,1,informal_lender,10931.32,none,consumption,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2021,urban,female,41,35-44,highest,secondary,self_employed,1504.76,3,limited,0,465,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,rural,male,56,55+,second,none,farmer,111.65,6,limited,1,653,1,digital_lender,1509.34,guarantor,housing,1,1422.51,0.489,12,176.55,current,not_applicable,moderate_burden
Ghana,2025,rural,female,58,55+,middle,primary,self_employed,83.74,4,excellent,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2019,rural,female,36,35-44,fourth,none,farmer,519.49,10,limited,1,280,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,male,24,18-24,highest,tertiary,unemployed,1005.17,4,none,0,517,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,47,45-54,highest,tertiary,employed_informal,680.42,8,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,female,39,35-44,second,secondary,unemployed,81.03,5,none,1,745,1,digital_lender,1223.51,savings,debt_consolidation,1,1075.94,0.444,24,64.73,current,not_applicable,moderate_burden
Malawi,2024,rural,female,47,45-54,fourth,none,self_employed,421.47,3,none,1,522,1,microfinance,3213.66,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Nigeria,2024,rural,male,40,35-44,lowest,secondary,farmer,68.87,4,none,0,474,1,sacco,1803.99,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Senegal,2024,rural,female,50,45-54,middle,none,self_employed,203.39,2,none,1,535,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,female,34,25-34,lowest,secondary,employed_formal,88.0,4,good,0,671,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,female,44,35-44,second,primary,unemployed,102.85,5,none,1,109,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2018,urban,male,28,25-34,middle,primary,farmer,381.63,2,limited,1,797,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,female,28,25-34,middle,none,self_employed,305.64,6,limited,1,56,1,commercial_bank,9348.54,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2018,rural,female,36,35-44,lowest,secondary,employed_formal,42.92,6,excellent,0,514,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,urban,male,45,35-44,fourth,tertiary,employed_informal,439.2,3,limited,0,826,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2018,rural,male,24,18-24,lowest,secondary,unemployed,47.38,1,limited,1,139,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2018,urban,male,60,55+,highest,primary,self_employed,1984.44,4,none,0,758,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,47,45-54,middle,none,self_employed,213.69,2,good,1,132,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2024,urban,female,50,45-54,second,tertiary,self_employed,133.99,2,good,0,740,1,microfinance,3589.96,savings,agriculture,1,2939.2,0.285,48,78.7,current,not_applicable,moderate_burden
Ethiopia,2022,rural,male,39,35-44,fourth,none,farmer,388.11,1,limited,1,533,1,digital_lender,4749.42,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2024,rural,female,26,25-34,lowest,primary,self_employed,36.65,8,limited,0,150,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2022,urban,male,21,18-24,second,primary,farmer,566.27,6,none,0,23,1,employer,7806.03,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Rwanda,2022,rural,male,33,25-34,highest,primary,self_employed,1357.96,2,none,1,249,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2022,rural,male,48,45-54,lowest,none,self_employed,106.76,7,none,0,0,1,family_friends,2694.63,property,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2023,rural,female,52,45-54,fourth,none,farmer,318.34,2,limited,1,54,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,urban,male,44,35-44,highest,secondary,self_employed,7158.6,4,none,1,307,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,urban,female,48,45-54,middle,none,farmer,1471.3,10,limited,0,704,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2023,urban,male,60,55+,second,primary,farmer,61.99,3,none,0,199,1,family_friends,3036.6,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Nigeria,2020,urban,female,29,25-34,lowest,primary,employed_informal,119.03,3,limited,0,774,1,family_friends,2462.13,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2024,rural,female,52,45-54,lowest,primary,employed_informal,25.27,5,none,0,321,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2018,rural,female,30,25-34,second,secondary,employed_informal,95.37,1,none,1,26,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,female,36,35-44,fourth,none,self_employed,122.23,6,limited,1,38,1,commercial_bank,3966.2,vehicle,business,1,3553.06,0.225,6,725.15,paid_off,not_applicable,moderate_burden
Rwanda,2024,urban,female,62,55+,second,primary,self_employed,116.6,6,excellent,1,794,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2025,urban,female,68,55+,lowest,primary,self_employed,92.97,9,excellent,1,472,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2020,urban,female,52,45-54,fourth,none,self_employed,619.38,2,good,1,498,1,family_friends,12749.36,none,emergency,1,10900.21,0.062,6,1928.88,late_60_days,not_applicable,moderate_burden
Nigeria,2019,rural,female,29,25-34,second,secondary,self_employed,201.32,5,none,1,375,1,informal_lender,5012.23,savings,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2024,rural,female,47,45-54,middle,tertiary,employed_informal,282.85,5,none,0,424,1,digital_lender,6403.24,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Niger,2024,rural,male,22,18-24,fourth,secondary,self_employed,145.46,8,good,1,384,1,sacco,8149.26,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Niger,2020,urban,male,52,45-54,fourth,secondary,unemployed,424.12,1,limited,0,345,1,microfinance,10018.08,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Mozambique,2018,urban,female,41,35-44,highest,none,employed_formal,1937.3,9,none,1,114,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2025,rural,male,64,55+,lowest,secondary,self_employed,129.03,5,good,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,female,62,55+,fourth,primary,self_employed,350.84,4,none,0,282,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,25,18-24,second,secondary,farmer,78.25,3,none,1,578,1,microfinance,2699.81,none,business,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Senegal,2018,urban,female,69,55+,lowest,secondary,employed_informal,356.85,9,none,1,580,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2023,rural,female,69,55+,middle,tertiary,employed_informal,205.46,6,good,0,404,1,informal_lender,11533.54,guarantor,business,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2019,urban,female,25,18-24,middle,secondary,farmer,504.87,5,none,1,474,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2018,rural,male,49,45-54,middle,none,employed_informal,216.58,7,limited,0,144,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,female,63,55+,lowest,primary,employed_informal,102.31,3,none,0,626,1,sacco,1046.88,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Niger,2018,urban,female,59,55+,lowest,secondary,employed_informal,36.62,9,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,male,64,55+,second,primary,employed_informal,306.76,9,none,0,375,1,employer,4461.43,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2018,rural,female,55,45-54,middle,primary,employed_informal,286.85,6,limited,0,639,1,informal_lender,7355.25,none,education,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Malawi,2022,rural,male,62,55+,highest,none,farmer,452.11,9,limited,0,586,1,family_friends,4274.27,none,business,1,4056.09,0.046,6,707.24,late_30_days,not_applicable,moderate_burden
Tanzania,2018,urban,male,29,25-34,fourth,secondary,employed_formal,568.28,8,good,0,738,1,digital_lender,12485.98,savings,asset_purchase,1,11076.8,0.408,12,1299.27,paid_off,not_applicable,moderate_burden
Rwanda,2022,rural,male,49,45-54,second,secondary,farmer,249.17,10,limited,0,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,61,55+,highest,primary,unemployed,3037.28,1,none,0,189,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2019,urban,female,55,45-54,middle,tertiary,unemployed,214.67,1,limited,1,67,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2018,urban,female,66,55+,second,secondary,unemployed,241.55,6,limited,1,204,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2021,urban,male,66,55+,second,secondary,employed_informal,206.18,5,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,urban,male,22,18-24,middle,secondary,employed_formal,175.45,7,none,0,0,1,employer,5897.55,vehicle,education,1,4910.56,0.047,18,285.59,current,not_applicable,moderate_burden
Senegal,2024,urban,male,37,35-44,second,primary,employed_informal,167.33,9,limited,1,228,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2024,rural,male,63,55+,lowest,none,employed_formal,68.82,9,none,0,634,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,male,43,35-44,highest,secondary,employed_informal,446.56,3,none,1,506,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2023,urban,male,66,55+,second,none,farmer,98.14,3,limited,0,141,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,rural,female,57,55+,second,none,self_employed,80.97,3,none,1,589,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2020,urban,male,31,25-34,lowest,secondary,employed_formal,43.85,10,none,0,0,1,commercial_bank,832.27,vehicle,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
DRC,2024,urban,female,63,55+,second,tertiary,employed_informal,93.22,6,none,1,577,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2023,rural,female,51,45-54,middle,none,unemployed,217.87,4,none,0,183,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2024,rural,female,55,45-54,second,none,employed_formal,66.9,8,none,1,586,1,commercial_bank,4693.65,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Senegal,2025,rural,female,52,45-54,middle,tertiary,self_employed,338.12,1,excellent,0,567,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,47,45-54,second,secondary,farmer,99.24,8,good,0,213,1,informal_lender,1754.93,property,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Malawi,2018,rural,male,65,55+,lowest,secondary,employed_informal,32.42,8,none,1,248,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,30,25-34,middle,none,employed_informal,170.08,4,none,1,382,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2023,rural,female,58,55+,second,none,farmer,28.93,1,good,0,136,1,family_friends,2866.05,guarantor,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Ethiopia,2023,rural,male,63,55+,second,tertiary,employed_informal,135.04,9,none,0,600,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2025,urban,female,29,25-34,lowest,primary,unemployed,75.4,1,none,1,699,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2024,urban,male,62,55+,lowest,primary,employed_formal,98.47,9,limited,1,414,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2024,urban,male,35,25-34,lowest,primary,farmer,59.2,7,none,0,0,1,informal_lender,2986.41,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mali,2022,rural,male,44,35-44,lowest,primary,self_employed,23.53,1,limited,1,584,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2020,urban,female,44,35-44,lowest,secondary,employed_informal,77.68,9,limited,1,157,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,rural,male,39,35-44,second,tertiary,employed_informal,37.84,6,limited,0,550,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2019,rural,male,68,55+,second,none,employed_informal,55.95,2,good,1,682,1,digital_lender,2836.8,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2018,rural,female,31,25-34,highest,primary,self_employed,628.14,9,none,0,624,1,family_friends,7058.53,guarantor,emergency,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
South Africa,2018,rural,female,28,25-34,second,secondary,employed_formal,31.12,5,none,0,609,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Zambia,2020,rural,male,58,55+,highest,none,self_employed,436.54,10,limited,1,666,1,microfinance,4058.0,savings,business,1,3269.53,0.36,24,185.26,paid_off,not_applicable,moderate_burden
Mozambique,2025,rural,male,59,55+,second,primary,employed_formal,78.55,7,none,0,436,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2023,rural,female,34,25-34,second,primary,employed_informal,46.31,7,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2018,rural,male,28,25-34,lowest,tertiary,employed_informal,45.89,4,good,0,847,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2019,urban,female,31,25-34,second,tertiary,employed_informal,202.4,4,good,0,691,1,family_friends,10039.6,vehicle,education,1,9774.41,0.043,24,424.72,current,not_applicable,moderate_burden
Zambia,2020,urban,male,53,45-54,second,tertiary,employed_formal,229.05,5,limited,1,612,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,urban,female,66,55+,second,none,unemployed,413.11,4,none,0,276,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2022,urban,female,20,18-24,second,none,unemployed,76.67,2,limited,1,419,1,digital_lender,1415.69,savings,housing,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Tanzania,2022,rural,male,35,25-34,middle,tertiary,self_employed,430.32,7,none,0,407,1,family_friends,7495.64,savings,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Malawi,2024,rural,female,58,55+,middle,tertiary,farmer,192.66,8,none,1,719,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2023,rural,male,45,35-44,highest,secondary,self_employed,740.37,3,none,1,329,1,commercial_bank,6055.53,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Kenya,2021,urban,male,43,35-44,fourth,primary,employed_informal,1425.33,7,none,1,641,1,microfinance,9789.01,none,business,1,8651.88,0.335,12,962.59,current,not_applicable,moderate_burden
DRC,2020,urban,female,63,55+,second,none,self_employed,186.52,8,limited,0,682,1,family_friends,1516.16,none,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Ethiopia,2018,rural,male,33,25-34,lowest,none,employed_formal,231.29,5,limited,0,533,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2019,rural,male,63,55+,highest,secondary,employed_informal,566.31,4,none,0,22,1,informal_lender,6988.95,equipment,consumption,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mali,2023,rural,female,53,45-54,second,tertiary,farmer,78.09,9,none,1,530,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2022,rural,female,61,55+,second,primary,unemployed,40.08,2,limited,0,696,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2025,urban,female,46,45-54,second,none,employed_informal,210.11,4,good,0,184,1,informal_lender,6005.42,guarantor,agriculture,1,5884.83,0.796,12,880.89,late_60_days,not_applicable,moderate_burden
South Africa,2022,rural,male,29,25-34,second,tertiary,unemployed,258.03,4,limited,0,369,1,microfinance,4070.26,none,emergency,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ghana,2018,rural,female,29,25-34,highest,secondary,farmer,576.15,8,limited,0,491,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2025,rural,male,46,45-54,lowest,none,self_employed,80.13,8,none,1,49,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2021,urban,female,56,55+,second,primary,employed_formal,106.56,10,excellent,0,801,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,male,67,55+,second,secondary,farmer,16.97,2,limited,1,394,1,microfinance,1585.04,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2022,rural,male,50,45-54,fourth,primary,self_employed,302.48,5,limited,1,144,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2025,urban,female,20,18-24,lowest,none,unemployed,40.91,2,none,0,409,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2020,rural,male,47,45-54,middle,secondary,employed_formal,197.34,10,limited,0,524,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
South Africa,2023,rural,female,37,35-44,second,tertiary,farmer,74.41,5,limited,0,416,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2023,rural,male,23,18-24,middle,none,farmer,955.96,4,limited,1,191,1,family_friends,4420.88,guarantor,consumption,1,4038.49,0.048,24,176.39,current,not_applicable,moderate_burden
Senegal,2023,rural,male,57,55+,lowest,secondary,self_employed,79.1,4,none,0,671,1,employer,3293.82,guarantor,education,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Ethiopia,2020,rural,male,64,55+,highest,secondary,farmer,1266.67,6,none,1,628,1,commercial_bank,14013.39,none,business,1,13489.97,0.19,6,2674.83,late_30_days,not_applicable,moderate_burden
Uganda,2023,rural,female,31,25-34,lowest,primary,employed_informal,49.89,1,limited,1,773,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2021,urban,male,24,18-24,highest,tertiary,employed_informal,1214.75,8,excellent,1,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Kenya,2019,rural,male,24,18-24,lowest,secondary,farmer,89.56,5,good,1,850,1,microfinance,3673.12,none,business,1,3324.47,0.334,12,369.57,paid_off,not_applicable,moderate_burden
Kenya,2024,rural,male,56,55+,middle,secondary,farmer,241.83,1,limited,0,389,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mali,2018,urban,female,26,25-34,fourth,secondary,employed_informal,139.85,9,none,1,474,1,digital_lender,9119.41,vehicle,housing,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Mozambique,2021,rural,female,32,25-34,lowest,secondary,farmer,89.5,4,limited,0,810,1,digital_lender,2764.21,guarantor,asset_purchase,1,2577.31,0.44,6,618.4,late_30_days,not_applicable,moderate_burden
DRC,2020,urban,male,36,35-44,fourth,secondary,employed_informal,866.55,8,none,0,485,1,informal_lender,16149.13,guarantor,debt_consolidation,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Uganda,2021,urban,female,30,25-34,lowest,secondary,unemployed,66.49,1,none,1,427,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2019,rural,male,38,35-44,second,none,farmer,180.68,3,none,1,394,1,commercial_bank,9529.46,none,emergency,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Tanzania,2025,urban,male,49,45-54,lowest,none,employed_formal,78.64,9,none,0,238,1,microfinance,1179.32,savings,education,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Rwanda,2024,rural,male,24,18-24,second,primary,employed_formal,66.78,10,none,1,347,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2021,rural,female,41,35-44,fourth,tertiary,farmer,177.9,5,good,1,344,1,digital_lender,1648.72,savings,business,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
Zambia,2022,rural,male,60,55+,second,secondary,self_employed,162.09,1,none,1,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2020,urban,male,39,35-44,middle,secondary,self_employed,223.84,6,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ghana,2020,rural,female,48,45-54,fourth,secondary,employed_informal,309.92,6,none,1,247,1,commercial_bank,5238.75,savings,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2019,urban,female,68,55+,fourth,secondary,employed_informal,312.92,2,none,1,264,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Ethiopia,2020,rural,male,49,45-54,highest,primary,farmer,1372.7,2,none,0,376,1,family_friends,7502.43,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Ethiopia,2023,urban,male,35,25-34,fourth,secondary,employed_informal,666.94,7,limited,0,551,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2024,rural,male,63,55+,lowest,secondary,self_employed,89.15,9,limited,0,376,1,informal_lender,3449.81,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Rwanda,2022,rural,female,22,18-24,middle,secondary,employed_formal,48.07,4,excellent,1,354,1,commercial_bank,1902.47,none,business,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
Zambia,2021,rural,male,35,25-34,lowest,primary,employed_informal,102.27,8,limited,0,101,1,sacco,1638.12,savings,business,0,0.0,0.0,0,0.0,not_applicable,existing_debt,moderate_burden
Senegal,2023,rural,male,32,25-34,lowest,primary,unemployed,44.2,3,excellent,0,821,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2025,rural,female,59,55+,lowest,none,unemployed,25.23,1,good,0,251,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2025,rural,male,49,45-54,lowest,secondary,employed_informal,110.42,3,good,0,419,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Mozambique,2023,rural,male,41,35-44,middle,tertiary,self_employed,219.3,8,limited,1,154,1,family_friends,3724.99,vehicle,emergency,1,3236.09,0.076,36,96.74,paid_off,not_applicable,moderate_burden
Mozambique,2024,urban,female,20,18-24,lowest,secondary,self_employed,38.62,6,none,1,558,1,digital_lender,4424.53,property,business,1,4168.66,0.462,24,254.01,paid_off,not_applicable,moderate_burden
Uganda,2023,urban,female,69,55+,middle,secondary,farmer,661.53,9,none,0,590,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Rwanda,2020,rural,male,25,18-24,fourth,primary,farmer,333.5,4,limited,1,126,1,microfinance,6293.48,none,consumption,0,0.0,0.0,0,0.0,not_applicable,no_credit_history,moderate_burden
DRC,2025,urban,male,56,55+,fourth,none,unemployed,331.27,1,limited,1,406,1,sacco,3535.81,none,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Ethiopia,2025,urban,male,22,18-24,lowest,none,self_employed,137.79,2,none,0,0,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,male,20,18-24,second,primary,farmer,202.09,4,limited,0,301,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Malawi,2021,urban,male,66,55+,second,primary,employed_formal,100.66,5,limited,0,73,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Tanzania,2022,urban,male,66,55+,fourth,secondary,employed_informal,592.31,1,none,1,287,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2023,rural,male,22,18-24,lowest,primary,employed_informal,42.08,4,limited,1,552,1,microfinance,3512.29,none,housing,0,0.0,0.0,0,0.0,not_applicable,documentation_issues,moderate_burden
Mozambique,2021,urban,male,50,45-54,fourth,none,farmer,475.5,5,none,1,340,1,employer,20752.08,guarantor,asset_purchase,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Mozambique,2020,rural,female,19,18-24,fourth,primary,employed_informal,664.51,5,good,1,755,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Nigeria,2024,urban,male,37,35-44,second,secondary,unemployed,180.02,1,limited,1,449,1,sacco,5432.83,equipment,housing,1,4533.57,0.367,18,344.33,current,not_applicable,moderate_burden
Zambia,2021,rural,male,33,25-34,fourth,primary,employed_informal,301.48,5,good,0,850,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
DRC,2024,urban,male,62,55+,lowest,tertiary,unemployed,175.84,5,limited,0,14,1,sacco,12587.5,none,business,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Uganda,2025,urban,male,63,55+,middle,primary,employed_formal,113.97,6,limited,0,394,1,family_friends,2426.4,equipment,housing,0,0.0,0.0,0,0.0,not_applicable,insufficient_income,moderate_burden
South Africa,2024,rural,male,30,25-34,fourth,none,unemployed,379.27,6,none,1,580,1,family_friends,3134.66,none,consumption,0,0.0,0.0,0,0.0,not_applicable,employment_status,moderate_burden
Zambia,2024,rural,female,52,45-54,fourth,primary,self_employed,1145.11,9,none,0,239,1,informal_lender,14749.41,savings,agriculture,1,14492.45,0.807,24,1090.89,current,not_applicable,moderate_burden
Uganda,2025,rural,female,43,35-44,fourth,primary,unemployed,546.91,3,good,1,827,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2023,urban,male,39,35-44,lowest,tertiary,employed_informal,79.21,3,limited,1,558,1,commercial_bank,4520.61,none,agriculture,1,4469.86,0.176,12,438.08,paid_off,not_applicable,moderate_burden
Rwanda,2022,rural,female,53,45-54,lowest,primary,employed_informal,72.23,10,limited,1,723,1,microfinance,9119.46,none,consumption,1,8205.51,0.352,6,1848.69,current,not_applicable,moderate_burden
Mali,2025,urban,female,24,18-24,fourth,secondary,self_employed,62.27,8,none,0,332,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Senegal,2022,rural,female,20,18-24,fourth,none,farmer,331.19,6,none,0,79,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Uganda,2019,urban,female,18,18-24,second,primary,farmer,220.68,4,limited,0,133,1,commercial_bank,3370.17,none,agriculture,0,0.0,0.0,0,0.0,not_applicable,no_collateral,moderate_burden
Senegal,2018,rural,female,42,35-44,highest,secondary,farmer,472.86,8,excellent,0,754,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden
Niger,2018,rural,female,21,18-24,second,secondary,farmer,154.96,9,none,0,655,0,none,0.0,none,none,0,0.0,0.0,0,0.0,not_applicable,,moderate_burden