country
string
year
int64
urban_rural
string
gender
string
age
int64
age_group
string
income_quintile
string
education
string
employment_status
string
monthly_income_usd
float64
income_stability
int64
credit_history
string
has_bank_account
int64
credit_score
int64
credit_need
int64
preferred_credit_source
string
loan_amount_requested_usd
float64
collateral_available
string
loan_purpose
string
approved
int64
loan_disbursed_usd
float64
interest_rate
float64
loan_term_months
int64
monthly_payment_usd
float64
repayment_status
string
rejection_reason
string
scenario
string
DRC
2,018
urban
male
37
35-44
lowest
primary
farmer
80.48
1
limited
1
94
1
commercial_bank
3,749.73
none
business
0
0
0
0
0
not_applicable
existing_debt
low_burden
Nigeria
2,025
rural
male
44
35-44
lowest
secondary
employed_formal
324.39
6
none
1
565
1
digital_lender
2,373.29
equipment
business
1
2,041.25
0.412
36
80.07
current
not_applicable
low_burden
DRC
2,019
rural
female
48
45-54
highest
none
unemployed
2,587.3
1
limited
0
850
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Kenya
2,018
urban
female
25
18-24
highest
primary
self_employed
405.23
8
good
0
850
1
informal_lender
6,031.45
guarantor
education
1
5,682.3
0.833
18
578.53
defaulted
not_applicable
low_burden
Mali
2,018
rural
female
29
25-34
highest
primary
employed_informal
658.12
9
limited
0
515
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,021
urban
male
22
18-24
second
secondary
farmer
199.05
6
limited
0
483
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,018
rural
male
28
25-34
fourth
none
self_employed
441.37
10
none
0
510
1
employer
3,982.11
savings
housing
1
3,327.89
0.049
36
96.95
current
not_applicable
low_burden
Rwanda
2,024
rural
female
40
35-44
lowest
primary
employed_formal
146.96
7
none
0
87
1
informal_lender
2,306.28
vehicle
education
1
2,134.6
0.759
12
312.89
paid_off
not_applicable
low_burden
Zambia
2,022
rural
female
66
55+
second
secondary
farmer
439.54
5
good
1
439
1
commercial_bank
3,245.46
none
housing
0
0
0
0
0
not_applicable
documentation_issues
low_burden
Niger
2,020
rural
female
65
55+
fourth
secondary
farmer
338.49
7
good
0
400
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,018
urban
male
57
55+
highest
secondary
self_employed
2,172.66
2
good
1
412
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,021
rural
male
47
45-54
second
tertiary
farmer
190.96
5
none
0
368
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Senegal
2,019
rural
female
28
25-34
middle
secondary
employed_formal
197.06
10
good
1
437
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,025
rural
female
36
35-44
lowest
primary
employed_informal
18.35
5
none
1
0
1
informal_lender
2,782.75
savings
business
1
2,651.9
0.821
18
268.25
paid_off
not_applicable
low_burden
Zambia
2,020
rural
male
57
55+
second
primary
farmer
247.46
10
limited
0
77
1
digital_lender
3,679.32
vehicle
agriculture
1
3,171.82
0.408
18
248.05
paid_off
not_applicable
low_burden
Senegal
2,021
urban
female
65
55+
lowest
none
employed_informal
137.27
7
limited
0
544
1
family_friends
3,216.22
none
housing
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Kenya
2,018
rural
female
68
55+
highest
primary
self_employed
872.21
2
none
0
469
1
digital_lender
9,698.42
vehicle
housing
1
7,956.73
0.497
48
248.23
paid_off
not_applicable
low_burden
Nigeria
2,019
rural
male
38
35-44
lowest
none
unemployed
30.31
1
limited
0
727
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ghana
2,019
urban
male
43
35-44
fourth
primary
farmer
1,938.58
4
limited
0
62
1
family_friends
20,471.61
equipment
business
0
0
0
0
0
not_applicable
no_collateral
low_burden
Uganda
2,018
rural
female
44
35-44
second
secondary
self_employed
134.97
10
good
1
357
1
microfinance
2,050.07
property
agriculture
0
0
0
0
0
not_applicable
employment_status
low_burden
Malawi
2,023
rural
male
20
18-24
middle
secondary
self_employed
89.96
4
none
0
229
1
digital_lender
3,467.39
guarantor
business
1
3,187.64
0.445
6
767.88
defaulted
not_applicable
low_burden
Niger
2,025
rural
female
24
18-24
second
primary
unemployed
48.75
1
none
1
478
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Rwanda
2,025
rural
female
20
18-24
second
secondary
farmer
194.91
7
limited
0
371
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,020
urban
male
56
55+
middle
primary
employed_formal
489.5
10
none
1
311
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,024
rural
female
29
25-34
middle
secondary
self_employed
144.63
6
none
0
683
1
family_friends
2,124.42
none
emergency
1
1,755.35
0.038
6
303.76
current
not_applicable
low_burden
Senegal
2,022
urban
male
54
45-54
highest
secondary
employed_informal
1,369.44
9
none
1
3
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,018
rural
male
37
35-44
second
primary
employed_formal
193.57
5
none
0
660
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,018
rural
female
59
55+
middle
primary
employed_informal
220.58
9
limited
0
241
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Senegal
2,022
rural
female
24
18-24
highest
tertiary
self_employed
406.42
3
excellent
1
284
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Rwanda
2,021
rural
male
34
25-34
second
secondary
farmer
237.76
8
good
0
529
1
microfinance
3,942.95
none
business
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Senegal
2,018
rural
female
28
25-34
highest
secondary
unemployed
1,193.52
2
limited
1
280
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Senegal
2,025
rural
female
40
35-44
highest
none
self_employed
988.01
7
none
0
616
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,023
rural
female
47
45-54
fourth
primary
self_employed
183.96
1
limited
0
646
1
microfinance
7,644.26
none
emergency
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Senegal
2,022
rural
female
26
25-34
middle
primary
employed_informal
78.77
6
limited
1
342
1
informal_lender
705.33
guarantor
emergency
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Mali
2,025
rural
male
52
45-54
fourth
tertiary
employed_informal
347.89
1
good
0
744
1
digital_lender
2,989.26
none
education
0
0
0
0
0
not_applicable
documentation_issues
low_burden
Tanzania
2,025
urban
male
68
55+
middle
none
employed_formal
571.93
9
limited
0
158
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Rwanda
2,025
rural
female
20
18-24
middle
primary
unemployed
414.3
1
limited
0
285
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Kenya
2,020
rural
male
22
18-24
highest
tertiary
employed_informal
999.63
3
none
0
51
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ethiopia
2,025
rural
female
67
55+
second
primary
farmer
88.5
5
good
1
626
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,022
rural
male
51
45-54
fourth
primary
employed_informal
187.8
3
good
1
688
1
commercial_bank
3,540.72
none
emergency
1
2,834.42
0.161
24
137.17
paid_off
not_applicable
low_burden
South Africa
2,023
urban
male
65
55+
middle
secondary
self_employed
294.86
1
none
1
549
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ghana
2,024
rural
male
54
45-54
lowest
primary
unemployed
59.93
1
excellent
0
460
1
informal_lender
3,251.47
none
business
0
0
0
0
0
not_applicable
employment_status
low_burden
Tanzania
2,019
urban
male
55
45-54
middle
tertiary
unemployed
647.7
1
none
1
613
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,021
urban
male
26
25-34
fourth
none
employed_informal
351.61
8
none
1
450
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
South Africa
2,019
rural
female
44
35-44
middle
secondary
unemployed
151.51
2
good
1
569
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,020
urban
female
36
35-44
fourth
primary
employed_informal
2,073.12
2
limited
0
188
1
sacco
22,056.81
savings
business
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Kenya
2,021
urban
male
61
55+
second
secondary
farmer
536.02
5
none
0
616
1
employer
2,232
none
agriculture
0
0
0
0
0
not_applicable
employment_status
low_burden
Ghana
2,024
rural
male
20
18-24
highest
secondary
employed_formal
357.94
9
none
1
642
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,024
rural
female
18
18-24
middle
secondary
self_employed
559.16
3
none
0
645
1
family_friends
14,693.91
property
housing
1
12,139.32
0.045
6
2,114.25
current
not_applicable
low_burden
Kenya
2,021
urban
male
46
45-54
fourth
tertiary
farmer
224.3
2
none
0
193
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,020
urban
female
68
55+
second
secondary
farmer
133.55
3
limited
0
469
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,022
rural
female
69
55+
second
none
farmer
96.95
1
none
0
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mozambique
2,025
rural
female
48
45-54
highest
none
employed_informal
628.92
3
limited
1
609
1
family_friends
9,003.06
guarantor
debt_consolidation
0
0
0
0
0
not_applicable
employment_status
low_burden
Tanzania
2,025
rural
female
40
35-44
lowest
primary
farmer
92.96
6
limited
1
434
1
informal_lender
2,663.43
none
agriculture
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Malawi
2,019
rural
female
32
25-34
second
primary
employed_informal
130.69
9
limited
1
696
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Rwanda
2,019
urban
female
69
55+
fourth
primary
employed_informal
756.44
9
excellent
0
772
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,023
rural
female
27
25-34
fourth
secondary
employed_formal
248.89
10
none
1
742
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Senegal
2,020
urban
male
24
18-24
highest
secondary
employed_informal
1,287.26
4
none
0
793
1
family_friends
3,632.25
none
business
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Zambia
2,019
rural
male
44
35-44
fourth
tertiary
employed_formal
348.48
10
none
0
42
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,018
urban
male
38
35-44
highest
primary
farmer
374.84
10
none
0
826
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
South Africa
2,021
rural
male
43
35-44
middle
secondary
employed_informal
280.46
4
limited
1
25
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Rwanda
2,021
urban
female
64
55+
middle
secondary
self_employed
319.12
1
none
0
288
1
digital_lender
3,563.93
none
business
0
0
0
0
0
not_applicable
employment_status
low_burden
Malawi
2,022
rural
male
32
25-34
fourth
tertiary
employed_informal
200.05
5
limited
0
793
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,019
urban
male
63
55+
fourth
secondary
farmer
365.38
5
excellent
0
670
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,023
rural
male
29
25-34
lowest
primary
employed_informal
45.52
7
none
0
744
1
family_friends
4,296.92
savings
agriculture
1
3,666.69
0.078
36
109.81
paid_off
not_applicable
low_burden
DRC
2,023
urban
female
34
25-34
second
none
employed_informal
152.46
2
none
1
374
1
family_friends
3,804.07
guarantor
housing
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Tanzania
2,021
urban
female
18
18-24
middle
tertiary
self_employed
1,022.07
6
good
0
660
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,019
urban
female
53
45-54
fourth
secondary
unemployed
2,124.93
1
good
0
534
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ethiopia
2,022
rural
male
62
55+
middle
secondary
unemployed
29.67
1
none
0
688
1
family_friends
1,764.14
none
education
1
1,650.31
0.052
6
289.36
late_30_days
not_applicable
low_burden
Kenya
2,023
rural
male
64
55+
fourth
secondary
self_employed
464.07
1
limited
1
97
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,020
rural
female
26
25-34
fourth
secondary
unemployed
643.41
2
none
1
231
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,020
rural
female
57
55+
second
secondary
self_employed
104.28
1
limited
1
570
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,022
rural
female
25
18-24
middle
tertiary
unemployed
382.98
5
limited
0
419
1
employer
3,016.81
savings
emergency
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Niger
2,020
urban
female
50
45-54
middle
tertiary
employed_formal
949.78
10
none
1
721
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,021
rural
male
54
45-54
lowest
primary
employed_formal
23.06
10
none
1
395
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,020
rural
female
25
18-24
middle
none
employed_formal
219.63
10
limited
0
107
1
family_friends
6,727.69
property
business
0
0
0
0
0
not_applicable
no_collateral
low_burden
Niger
2,020
rural
female
23
18-24
middle
none
farmer
786.85
10
limited
1
522
1
commercial_bank
6,584.72
guarantor
education
1
5,705.78
0.194
6
1,135.77
current
not_applicable
low_burden
Nigeria
2,023
rural
female
21
18-24
fourth
primary
employed_informal
138.64
3
good
1
345
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mozambique
2,021
rural
female
54
45-54
second
secondary
employed_informal
111.91
1
limited
0
399
1
informal_lender
2,873.41
none
business
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Zambia
2,021
rural
male
49
45-54
lowest
secondary
self_employed
44.01
10
good
1
145
1
commercial_bank
2,165.12
guarantor
housing
1
2,129.86
0.136
12
201.58
current
not_applicable
low_burden
South Africa
2,023
rural
male
24
18-24
middle
primary
unemployed
417.65
3
limited
0
739
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,020
urban
female
44
35-44
fourth
primary
self_employed
1,132.51
7
limited
1
342
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,018
rural
female
59
55+
middle
secondary
farmer
224.07
3
none
0
586
1
family_friends
2,963.18
property
consumption
1
2,810.44
0.085
24
127.07
current
not_applicable
low_burden
Niger
2,024
rural
male
30
25-34
second
secondary
employed_informal
124.07
4
none
1
309
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,018
rural
male
49
45-54
highest
secondary
unemployed
199.32
3
limited
0
850
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,022
rural
female
33
25-34
lowest
none
employed_formal
163.11
8
none
1
204
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,020
urban
male
31
25-34
second
primary
employed_informal
141.33
1
none
1
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ethiopia
2,019
urban
male
38
35-44
second
secondary
self_employed
163.81
3
none
0
305
1
family_friends
2,362.18
none
education
0
0
0
0
0
not_applicable
employment_status
low_burden
Ghana
2,018
urban
female
36
35-44
fourth
secondary
employed_informal
971.11
4
good
0
109
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,025
rural
female
43
35-44
fourth
secondary
farmer
378.66
9
limited
0
683
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,021
urban
female
28
25-34
lowest
tertiary
farmer
181.45
4
good
0
850
1
informal_lender
1,612.42
none
agriculture
1
1,608.38
0.803
18
161.09
late_60_days
not_applicable
low_burden
Rwanda
2,020
rural
female
38
35-44
fourth
none
employed_informal
503.06
5
excellent
1
332
1
commercial_bank
4,154.73
none
business
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Rwanda
2,023
rural
male
50
45-54
fourth
primary
employed_formal
380.3
9
limited
0
45
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ethiopia
2,018
rural
female
38
35-44
highest
primary
employed_formal
825.2
5
limited
0
745
1
digital_lender
2,493.01
equipment
asset_purchase
1
2,326.13
0.452
36
93.85
late_60_days
not_applicable
low_burden
South Africa
2,022
urban
female
52
45-54
highest
primary
employed_formal
451.41
9
limited
0
686
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,021
rural
female
24
18-24
fourth
primary
unemployed
297.09
1
limited
1
675
1
commercial_bank
6,535.38
equipment
housing
1
5,256.26
0.155
18
337.35
current
not_applicable
low_burden
Ethiopia
2,022
urban
female
25
18-24
lowest
none
self_employed
191.93
9
good
0
564
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,018
rural
male
63
55+
second
none
employed_informal
64.67
3
good
1
574
1
microfinance
1,786.25
guarantor
consumption
0
0
0
0
0
not_applicable
employment_status
low_burden
Ethiopia
2,025
urban
male
42
35-44
highest
secondary
employed_formal
600.42
7
limited
1
330
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
South Africa
2,019
urban
male
49
45-54
middle
none
farmer
161.19
5
good
0
348
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden