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
Ethiopia
2,023
urban
male
56
55+
middle
secondary
farmer
332.18
4
limited
1
537
1
employer
4,034.76
savings
business
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Mozambique
2,023
rural
female
25
18-24
highest
primary
unemployed
1,772.4
2
none
1
796
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,020
urban
male
68
55+
highest
primary
employed_informal
1,452.92
8
none
1
263
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,019
rural
female
40
35-44
fourth
none
self_employed
71.84
10
none
1
209
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,020
rural
male
64
55+
highest
none
employed_informal
1,045.61
9
none
0
501
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ghana
2,024
rural
male
39
35-44
lowest
primary
farmer
44.21
3
limited
0
42
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,025
urban
male
39
35-44
fourth
secondary
self_employed
702.67
7
none
0
455
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
South Africa
2,025
urban
male
49
45-54
highest
tertiary
farmer
892.18
4
good
0
295
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ghana
2,019
rural
female
27
25-34
lowest
none
employed_formal
32.98
10
none
1
481
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,022
urban
female
49
45-54
lowest
none
farmer
85.48
1
none
1
658
1
commercial_bank
2,911.12
vehicle
business
1
2,415.58
0.138
18
152.68
current
not_applicable
low_burden
Ghana
2,019
rural
male
69
55+
fourth
none
employed_informal
242.08
10
limited
0
779
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,023
urban
female
51
45-54
middle
secondary
farmer
370.08
4
none
1
27
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,021
rural
female
21
18-24
lowest
primary
employed_informal
32.4
8
none
1
408
1
digital_lender
1,257.27
none
education
0
0
0
0
0
not_applicable
no_collateral
low_burden
Malawi
2,023
urban
female
54
45-54
second
primary
farmer
82.35
7
none
0
280
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,023
rural
male
19
18-24
second
tertiary
employed_informal
202.51
4
limited
1
417
1
informal_lender
2,071.21
none
education
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Tanzania
2,025
urban
male
23
18-24
second
tertiary
farmer
393.27
10
none
0
488
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,021
rural
female
32
25-34
highest
secondary
farmer
996.61
3
limited
1
850
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,020
urban
female
33
25-34
middle
none
self_employed
189.46
8
none
0
388
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,022
rural
male
18
18-24
fourth
primary
employed_informal
196.42
10
none
1
371
1
informal_lender
4,730.77
vehicle
agriculture
1
4,039.69
0.784
18
400.29
current
not_applicable
low_burden
Mozambique
2,019
rural
female
18
18-24
lowest
primary
employed_informal
37.36
2
none
0
456
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,018
urban
male
59
55+
second
secondary
employed_informal
337.51
10
none
0
329
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,022
urban
female
41
35-44
second
secondary
self_employed
101.57
9
good
0
376
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,024
urban
male
28
25-34
highest
none
employed_formal
1,839.31
7
none
1
700
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ghana
2,022
urban
female
40
35-44
highest
tertiary
employed_formal
1,547.12
10
limited
1
663
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,024
urban
male
54
45-54
second
primary
employed_informal
430.4
1
good
0
561
1
microfinance
17,585.55
guarantor
agriculture
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Tanzania
2,019
rural
male
56
55+
highest
secondary
employed_informal
1,397.62
2
none
0
7
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,021
rural
female
32
25-34
lowest
none
employed_informal
88.07
8
good
1
314
1
commercial_bank
5,200.33
guarantor
agriculture
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Senegal
2,022
urban
male
26
25-34
second
primary
farmer
64.73
10
limited
1
224
1
commercial_bank
5,748.87
guarantor
agriculture
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Senegal
2,020
rural
female
67
55+
fourth
none
employed_formal
505.43
5
limited
0
552
1
sacco
2,769.71
none
business
1
2,605.38
0.352
12
293.51
current
not_applicable
low_burden
Nigeria
2,018
urban
female
50
45-54
second
secondary
unemployed
196.2
4
good
0
185
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,018
rural
male
69
55+
highest
none
farmer
511.34
2
none
0
325
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,025
urban
male
33
25-34
lowest
primary
self_employed
233.19
8
limited
0
387
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Kenya
2,022
rural
female
23
18-24
fourth
secondary
farmer
296.6
9
limited
1
630
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,020
rural
female
37
35-44
lowest
secondary
self_employed
41.58
5
limited
0
124
1
commercial_bank
1,998.83
guarantor
housing
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Zambia
2,020
urban
female
35
25-34
lowest
secondary
self_employed
197.39
2
none
0
415
1
informal_lender
3,684.5
guarantor
consumption
1
3,423.09
0.805
18
343.2
late_30_days
not_applicable
low_burden
Niger
2,018
urban
male
55
45-54
second
secondary
employed_informal
136.29
3
none
1
365
1
digital_lender
8,437.89
vehicle
agriculture
0
0
0
0
0
not_applicable
no_collateral
low_burden
Rwanda
2,025
urban
female
55
45-54
highest
secondary
farmer
660.29
6
excellent
0
850
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,018
rural
female
21
18-24
middle
secondary
employed_informal
90.86
8
limited
1
153
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,024
rural
female
48
45-54
middle
primary
self_employed
112.64
6
none
1
410
1
commercial_bank
5,755.53
none
asset_purchase
0
0
0
0
0
not_applicable
no_collateral
low_burden
Rwanda
2,019
rural
male
35
25-34
lowest
none
employed_formal
36.03
8
none
0
252
1
informal_lender
1,921.34
guarantor
debt_consolidation
1
1,615.93
0.776
48
59.8
late_30_days
not_applicable
low_burden
Nigeria
2,020
rural
male
49
45-54
lowest
primary
self_employed
93.04
7
limited
1
220
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Senegal
2,020
rural
female
38
35-44
lowest
none
self_employed
29.52
10
none
0
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,024
rural
female
45
35-44
fourth
primary
employed_informal
89.82
8
none
1
224
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Rwanda
2,018
rural
male
55
45-54
lowest
primary
employed_informal
74.48
2
excellent
1
524
1
sacco
714.2
property
education
0
0
0
0
0
not_applicable
employment_status
low_burden
Rwanda
2,020
rural
female
33
25-34
second
none
farmer
77.83
2
none
0
0
1
microfinance
1,431.17
savings
consumption
0
0
0
0
0
not_applicable
no_collateral
low_burden
Uganda
2,020
urban
male
28
25-34
middle
secondary
employed_informal
294.99
4
none
1
587
1
commercial_bank
7,118.86
equipment
education
1
6,688.97
0.189
48
165.73
current
not_applicable
low_burden
Mali
2,020
rural
male
54
45-54
middle
secondary
employed_formal
490.79
6
limited
0
588
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,019
urban
male
67
55+
second
secondary
employed_informal
190.26
8
none
1
169
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,025
urban
male
41
35-44
lowest
tertiary
unemployed
258.54
6
none
0
0
1
sacco
3,811.32
guarantor
business
1
3,261.76
0.305
6
709.5
late_60_days
not_applicable
low_burden
Kenya
2,021
rural
male
69
55+
second
primary
farmer
115.66
6
limited
0
601
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,021
urban
male
27
25-34
fourth
primary
self_employed
995.44
9
limited
1
20
1
microfinance
7,406.83
vehicle
business
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Zambia
2,021
urban
male
60
55+
lowest
primary
farmer
61.26
5
none
1
262
1
sacco
3,771.81
none
agriculture
0
0
0
0
0
not_applicable
documentation_issues
low_burden
Nigeria
2,025
urban
female
69
55+
fourth
secondary
farmer
530.44
7
good
0
256
1
digital_lender
12,135.94
none
business
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Tanzania
2,020
rural
female
33
25-34
lowest
primary
farmer
31.35
8
good
1
279
1
commercial_bank
1,258.87
none
asset_purchase
1
1,175.39
0.152
12
112.87
paid_off
not_applicable
low_burden
Rwanda
2,020
rural
female
25
18-24
highest
tertiary
farmer
375.54
3
limited
1
742
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,020
urban
male
52
45-54
highest
primary
farmer
846.45
8
limited
0
358
1
sacco
10,577.59
savings
debt_consolidation
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Niger
2,020
urban
female
63
55+
lowest
primary
self_employed
35.46
6
good
1
289
1
commercial_bank
5,541.06
none
education
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Uganda
2,018
rural
male
22
18-24
second
secondary
employed_informal
135.62
6
none
0
157
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,022
rural
female
51
45-54
second
primary
employed_formal
98.14
6
limited
1
126
1
digital_lender
7,405.67
none
education
1
6,384.86
0.474
18
522.84
defaulted
not_applicable
low_burden
Senegal
2,018
urban
female
63
55+
fourth
secondary
employed_formal
579.71
7
none
0
531
1
family_friends
4,636.97
guarantor
asset_purchase
1
3,904.63
0.017
24
165.41
current
not_applicable
low_burden
Mali
2,019
rural
male
19
18-24
middle
secondary
self_employed
79.76
9
none
0
321
1
family_friends
3,456.98
guarantor
consumption
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Nigeria
2,019
rural
male
44
35-44
middle
secondary
unemployed
326.86
3
excellent
0
320
1
informal_lender
7,959.27
none
business
0
0
0
0
0
not_applicable
employment_status
low_burden
Tanzania
2,020
urban
female
22
18-24
lowest
secondary
farmer
294.9
2
none
0
162
1
sacco
4,928.11
none
asset_purchase
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Mozambique
2,024
rural
female
27
25-34
lowest
primary
farmer
170.53
6
none
1
732
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
South Africa
2,022
rural
female
43
35-44
fourth
primary
farmer
1,250.19
7
none
1
392
1
commercial_bank
7,463.9
guarantor
education
1
6,709.81
0.188
12
664.54
defaulted
not_applicable
low_burden
Senegal
2,025
rural
female
35
25-34
middle
secondary
unemployed
206.03
4
limited
0
585
1
informal_lender
1,494.4
none
business
1
1,488.64
0.823
48
56.55
current
not_applicable
low_burden
Malawi
2,020
rural
female
22
18-24
fourth
primary
farmer
257.67
9
good
0
808
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ethiopia
2,025
rural
male
59
55+
fourth
primary
employed_informal
463.88
7
none
0
241
1
family_friends
3,471.26
savings
business
1
3,225.91
0.006
12
270.48
current
not_applicable
low_burden
Rwanda
2,018
rural
female
28
25-34
middle
none
self_employed
169.28
1
good
0
376
1
family_friends
2,571.88
property
consumption
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Senegal
2,022
rural
male
63
55+
middle
secondary
self_employed
59.15
5
none
0
749
1
family_friends
1,207.72
none
business
1
1,051.12
0.07
12
93.69
current
not_applicable
low_burden
Tanzania
2,024
rural
female
27
25-34
highest
none
employed_informal
1,178.3
3
good
0
661
1
family_friends
9,039.66
none
emergency
1
8,169.04
0.001
24
340.77
current
not_applicable
low_burden
Kenya
2,022
rural
male
45
35-44
fourth
tertiary
employed_informal
279.85
1
good
0
263
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,025
rural
female
55
45-54
highest
none
employed_informal
237.74
10
none
1
730
1
informal_lender
7,515.25
guarantor
consumption
1
6,671.45
0.831
18
678.7
defaulted
not_applicable
low_burden
South Africa
2,020
rural
female
42
35-44
highest
primary
employed_informal
465.22
2
good
1
829
1
digital_lender
4,541.17
property
business
1
3,661.4
0.428
36
145.22
defaulted
not_applicable
low_burden
Malawi
2,018
urban
male
39
35-44
second
primary
employed_informal
156.05
3
none
1
240
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,024
urban
male
57
55+
fourth
primary
unemployed
496.01
1
limited
1
230
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,018
urban
male
18
18-24
fourth
primary
employed_informal
500.2
5
none
0
458
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,024
rural
female
60
55+
lowest
secondary
farmer
157.06
7
none
1
362
1
family_friends
1,009.87
none
agriculture
1
944.08
0.015
6
159.77
current
not_applicable
low_burden
Kenya
2,023
urban
female
53
45-54
middle
none
employed_formal
121.07
7
excellent
0
351
1
commercial_bank
3,182.46
none
education
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Uganda
2,024
rural
male
57
55+
second
primary
unemployed
109.05
4
good
0
126
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,021
urban
male
39
35-44
second
none
farmer
97.81
2
limited
0
697
1
microfinance
3,700.73
guarantor
business
1
3,112.68
0.283
6
665.61
current
not_applicable
low_burden
Zambia
2,025
urban
female
37
35-44
lowest
primary
unemployed
216.51
6
excellent
0
850
1
informal_lender
4,872.32
equipment
education
1
4,418.44
0.794
36
220.13
current
not_applicable
low_burden
Niger
2,019
rural
male
47
45-54
fourth
tertiary
self_employed
222.58
9
none
0
671
1
informal_lender
2,823.79
guarantor
debt_consolidation
1
2,299.08
0.779
12
340.8
paid_off
not_applicable
low_burden
Zambia
2,021
urban
female
51
45-54
fourth
primary
self_employed
386.7
6
none
1
211
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,018
rural
male
66
55+
middle
secondary
self_employed
417.01
1
good
0
679
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
South Africa
2,024
urban
male
62
55+
lowest
primary
self_employed
227.16
8
none
0
397
1
digital_lender
2,129.48
property
housing
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Nigeria
2,023
rural
male
20
18-24
middle
primary
farmer
560.68
8
good
0
306
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Senegal
2,024
urban
female
25
18-24
lowest
secondary
employed_formal
28.45
10
none
0
689
1
family_friends
3,292.89
guarantor
education
1
3,154.79
0.047
12
275.22
current
not_applicable
low_burden
Senegal
2,024
rural
male
67
55+
second
none
employed_formal
170.1
6
none
1
185
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,020
rural
male
38
35-44
second
tertiary
unemployed
146.55
1
none
0
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,018
urban
female
48
45-54
highest
primary
employed_formal
955.71
8
none
0
140
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,025
urban
female
20
18-24
second
primary
farmer
189.6
7
none
1
723
1
sacco
5,042.79
none
emergency
0
0
0
0
0
not_applicable
no_collateral
low_burden
South Africa
2,021
urban
male
23
18-24
middle
tertiary
employed_informal
733.89
4
none
0
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,018
rural
male
39
35-44
highest
primary
self_employed
1,373.79
5
none
0
446
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Senegal
2,025
rural
female
55
45-54
second
tertiary
employed_informal
227.27
10
good
0
493
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,025
urban
male
58
55+
highest
tertiary
self_employed
1,145
5
limited
0
764
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,021
rural
female
64
55+
lowest
primary
farmer
295.22
6
none
0
598
1
informal_lender
3,236.71
none
asset_purchase
1
2,600.65
0.835
24
198.79
current
not_applicable
low_burden
Malawi
2,024
rural
male
28
25-34
second
primary
unemployed
91.64
6
none
0
302
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,018
rural
male
28
25-34
lowest
secondary
employed_informal
19.44
10
none
1
437
1
commercial_bank
679.14
none
asset_purchase
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Kenya
2,018
rural
male
46
45-54
middle
primary
employed_informal
166.11
6
none
1
594
1
microfinance
4,427.68
guarantor
business
1
3,826.81
0.28
48
102.09
paid_off
not_applicable
low_burden