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
Uganda
2,020
rural
female
65
55+
middle
none
self_employed
143.25
6
none
0
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,024
urban
female
44
35-44
fourth
secondary
employed_informal
129.63
8
good
0
260
1
informal_lender
9,743.53
none
business
0
0
0
0
0
not_applicable
no_collateral
low_burden
Rwanda
2,018
rural
male
49
45-54
fourth
tertiary
employed_informal
166.68
6
good
0
561
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,021
urban
male
36
35-44
lowest
primary
employed_formal
87.63
10
none
1
130
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,024
rural
female
64
55+
lowest
tertiary
farmer
64.67
1
none
1
268
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,025
urban
female
21
18-24
fourth
secondary
self_employed
825.77
4
limited
0
241
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,020
rural
female
32
25-34
highest
tertiary
farmer
1,169.03
7
limited
1
525
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,023
urban
female
69
55+
highest
primary
unemployed
335.5
1
none
1
120
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ghana
2,019
urban
female
43
35-44
highest
none
self_employed
1,290.22
6
excellent
1
382
1
commercial_bank
5,307.51
savings
agriculture
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Uganda
2,018
rural
female
27
25-34
middle
none
unemployed
333.05
1
good
1
850
1
microfinance
4,925.17
guarantor
agriculture
1
4,350.51
0.361
24
246.79
late_60_days
not_applicable
low_burden
Zambia
2,020
urban
female
39
35-44
highest
secondary
self_employed
1,154.66
5
excellent
0
532
1
informal_lender
28,604.99
none
business
0
0
0
0
0
not_applicable
no_collateral
low_burden
South Africa
2,025
urban
female
31
25-34
second
tertiary
self_employed
257.24
7
none
0
489
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,023
rural
female
45
35-44
fourth
primary
self_employed
85.25
10
none
1
0
1
informal_lender
1,542.95
vehicle
education
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Mali
2,021
urban
male
30
25-34
highest
none
employed_informal
495.3
1
none
1
94
1
commercial_bank
8,899.72
none
agriculture
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Niger
2,020
rural
male
38
35-44
fourth
none
employed_informal
857.95
6
none
1
570
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,019
rural
male
65
55+
second
secondary
self_employed
99.74
6
none
0
203
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,020
urban
female
22
18-24
second
tertiary
employed_formal
857.9
4
none
0
155
1
family_friends
4,867.25
guarantor
business
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Uganda
2,019
rural
female
57
55+
second
primary
employed_informal
49.57
7
limited
0
146
1
family_friends
3,056.36
none
agriculture
0
0
0
0
0
not_applicable
employment_status
low_burden
DRC
2,019
urban
male
22
18-24
second
secondary
farmer
540.75
1
none
0
126
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,023
rural
female
41
35-44
fourth
secondary
self_employed
215.04
7
none
1
99
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,019
urban
male
52
45-54
fourth
tertiary
employed_formal
899.67
6
limited
1
678
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ethiopia
2,018
urban
male
67
55+
lowest
secondary
employed_formal
73.08
5
limited
0
799
1
informal_lender
11,355.41
equipment
housing
1
9,681.79
0.78
36
478.81
current
not_applicable
low_burden
Nigeria
2,022
urban
female
31
25-34
fourth
primary
unemployed
533.41
1
good
1
109
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mozambique
2,020
rural
male
20
18-24
second
secondary
unemployed
184.05
1
limited
1
116
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,021
rural
male
57
55+
middle
secondary
self_employed
130.19
3
none
1
433
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Rwanda
2,019
rural
female
64
55+
second
tertiary
employed_informal
212.53
5
limited
0
748
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,019
rural
male
47
45-54
middle
secondary
self_employed
166.04
9
limited
0
269
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,021
rural
female
21
18-24
fourth
none
employed_informal
373.51
9
none
0
616
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Senegal
2,023
rural
female
44
35-44
fourth
secondary
farmer
51.76
8
none
1
0
1
sacco
3,927.94
property
agriculture
1
3,734.89
0.309
6
815.08
late_30_days
not_applicable
low_burden
Malawi
2,021
rural
female
38
35-44
fourth
secondary
self_employed
260.39
5
good
0
712
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,022
rural
female
41
35-44
second
primary
farmer
293.77
2
none
0
702
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ghana
2,022
urban
male
20
18-24
fourth
tertiary
self_employed
799.98
5
none
0
322
1
commercial_bank
7,943.11
none
agriculture
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Uganda
2,020
rural
female
34
25-34
lowest
primary
farmer
112.04
1
none
0
397
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Senegal
2,020
rural
male
69
55+
middle
tertiary
self_employed
207.61
2
good
0
299
1
family_friends
2,392.54
guarantor
emergency
1
2,086.47
0.087
12
189.08
paid_off
not_applicable
low_burden
Mozambique
2,021
urban
male
20
18-24
middle
primary
self_employed
964.6
4
limited
0
668
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Kenya
2,018
urban
female
65
55+
fourth
none
self_employed
601.98
7
excellent
1
850
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,023
urban
male
44
35-44
highest
secondary
self_employed
624.06
8
good
1
850
1
informal_lender
5,910.55
none
housing
1
5,264.67
0.777
24
389.72
current
not_applicable
low_burden
DRC
2,022
rural
female
48
45-54
second
secondary
unemployed
220.72
3
good
0
789
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,020
urban
male
66
55+
fourth
tertiary
self_employed
938.36
3
none
0
0
1
commercial_bank
5,505.34
none
housing
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Rwanda
2,020
rural
female
29
25-34
second
secondary
unemployed
188.49
4
none
0
347
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,020
rural
male
69
55+
middle
none
self_employed
150.85
10
good
0
513
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,023
rural
male
32
25-34
fourth
tertiary
employed_informal
401.56
7
excellent
1
190
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,024
urban
female
36
35-44
fourth
secondary
employed_informal
1,304.59
8
good
0
761
1
family_friends
3,692.43
guarantor
business
1
3,589.61
0.093
18
217.89
late_30_days
not_applicable
low_burden
Ethiopia
2,018
rural
male
41
35-44
highest
primary
employed_formal
927.6
10
excellent
1
414
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Uganda
2,021
rural
female
49
45-54
fourth
tertiary
farmer
117.2
8
limited
1
361
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
South Africa
2,018
urban
male
34
25-34
second
none
employed_formal
116.53
10
limited
0
47
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,021
urban
female
59
55+
highest
none
employed_informal
617.47
3
limited
0
771
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mozambique
2,019
urban
female
19
18-24
highest
secondary
employed_informal
584.23
4
limited
0
253
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,020
urban
female
52
45-54
second
secondary
farmer
41.28
2
none
1
339
1
commercial_bank
623.28
none
consumption
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Mali
2,021
rural
female
52
45-54
lowest
secondary
unemployed
226.27
1
none
0
332
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mali
2,020
rural
male
45
35-44
second
tertiary
farmer
65.69
6
none
0
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,021
rural
female
49
45-54
fourth
primary
employed_informal
187.83
10
none
0
626
1
family_friends
2,471.73
savings
business
1
2,051.38
0.014
12
173.36
paid_off
not_applicable
low_burden
Ethiopia
2,024
rural
female
56
55+
highest
tertiary
self_employed
170.57
3
none
1
5
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,024
rural
female
65
55+
fourth
none
employed_informal
604.75
8
limited
1
555
1
sacco
6,363.08
savings
business
1
5,810.33
0.295
12
627.13
late_30_days
not_applicable
low_burden
Zambia
2,018
rural
female
29
25-34
second
none
unemployed
113.83
1
limited
0
146
1
digital_lender
6,526.22
none
agriculture
0
0
0
0
0
not_applicable
existing_debt
low_burden
Kenya
2,021
rural
female
42
35-44
lowest
primary
employed_formal
47.12
10
limited
1
511
1
family_friends
1,511.97
savings
emergency
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Senegal
2,024
urban
female
47
45-54
middle
none
unemployed
242.19
2
limited
0
192
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,022
rural
male
35
25-34
second
primary
farmer
183.05
5
none
1
536
1
sacco
4,517.29
guarantor
business
0
0
0
0
0
not_applicable
no_collateral
low_burden
Mali
2,019
urban
female
68
55+
lowest
tertiary
farmer
64.22
4
none
0
379
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,022
rural
female
44
35-44
lowest
secondary
farmer
14.97
10
limited
0
544
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Mozambique
2,019
rural
female
48
45-54
lowest
secondary
employed_informal
24.39
5
none
0
740
1
commercial_bank
656.98
none
agriculture
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Mali
2,018
rural
male
28
25-34
lowest
none
employed_informal
23.52
2
limited
0
377
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ethiopia
2,023
urban
female
39
35-44
fourth
tertiary
self_employed
596.48
6
good
1
725
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
South Africa
2,022
rural
female
50
45-54
second
primary
employed_informal
232.6
6
none
1
593
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,024
urban
female
40
35-44
second
secondary
farmer
504.91
8
good
0
356
1
family_friends
3,732.79
savings
business
0
0
0
0
0
not_applicable
employment_status
low_burden
Tanzania
2,020
rural
male
58
55+
middle
secondary
self_employed
63.68
5
none
0
163
1
microfinance
610.33
savings
business
1
500.95
0.274
12
53.17
paid_off
not_applicable
low_burden
Mozambique
2,024
urban
male
25
18-24
highest
none
unemployed
1,529.21
1
limited
0
700
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ethiopia
2,021
rural
male
25
18-24
fourth
secondary
unemployed
214.38
1
good
1
850
1
family_friends
16,383.85
property
agriculture
1
16,311.29
0.009
18
914.66
current
not_applicable
low_burden
Uganda
2,023
rural
male
35
25-34
middle
tertiary
employed_informal
1,548.03
10
limited
1
12
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Zambia
2,018
urban
female
34
25-34
fourth
primary
employed_informal
1,295.7
2
limited
0
98
1
microfinance
9,901.43
savings
business
1
8,538.7
0.296
12
921.83
current
not_applicable
low_burden
Mali
2,018
urban
male
60
55+
fourth
secondary
self_employed
1,619.13
4
limited
0
143
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Nigeria
2,024
rural
female
63
55+
fourth
tertiary
employed_formal
578.26
5
none
1
442
1
microfinance
7,038.54
savings
emergency
1
6,912.17
0.336
12
769.28
late_60_days
not_applicable
low_burden
Malawi
2,024
urban
male
42
35-44
middle
primary
farmer
389.8
3
limited
0
357
1
informal_lender
7,502.72
property
business
1
6,552.89
0.77
12
966.6
current
not_applicable
low_burden
Uganda
2,025
urban
male
44
35-44
middle
primary
farmer
225.09
1
limited
1
425
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,020
urban
female
33
25-34
second
primary
farmer
118.96
4
none
1
169
1
sacco
15,504.54
none
education
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Zambia
2,018
urban
female
45
35-44
second
secondary
self_employed
103.36
10
none
0
262
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,025
rural
male
54
45-54
second
primary
farmer
186.91
3
excellent
0
809
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ghana
2,022
rural
male
55
45-54
second
primary
self_employed
361.62
10
none
1
265
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Senegal
2,019
urban
female
68
55+
second
primary
unemployed
140.97
3
good
0
414
1
informal_lender
2,795.29
none
business
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Niger
2,024
rural
female
48
45-54
middle
tertiary
farmer
120.62
9
none
0
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
South Africa
2,025
urban
male
35
25-34
middle
tertiary
farmer
105.62
7
none
0
221
1
informal_lender
1,796.97
equipment
business
1
1,741.69
0.844
12
267.63
current
not_applicable
low_burden
Malawi
2,020
urban
female
21
18-24
lowest
secondary
employed_informal
106.66
10
limited
0
639
1
family_friends
10,789.09
none
agriculture
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Nigeria
2,024
rural
male
53
45-54
second
tertiary
farmer
286.81
6
limited
0
116
1
microfinance
2,300.75
guarantor
agriculture
0
0
0
0
0
not_applicable
no_collateral
low_burden
DRC
2,024
urban
female
59
55+
second
secondary
employed_informal
443.12
9
limited
1
299
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Rwanda
2,022
rural
male
46
45-54
fourth
tertiary
self_employed
865.43
1
none
0
142
1
family_friends
16,305.15
vehicle
business
1
15,537.52
0.035
12
1,339.94
current
not_applicable
low_burden
Niger
2,023
rural
female
65
55+
second
none
self_employed
162.24
10
limited
1
405
1
commercial_bank
3,671.72
property
business
1
3,108.15
0.182
12
306.12
late_60_days
not_applicable
low_burden
Uganda
2,020
rural
female
34
25-34
lowest
primary
employed_informal
64.16
1
limited
1
698
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Tanzania
2,025
rural
male
20
18-24
lowest
tertiary
employed_formal
147.81
5
none
1
621
1
informal_lender
4,796.64
none
business
0
0
0
0
0
not_applicable
no_credit_history
low_burden
Mali
2,025
urban
male
50
45-54
middle
primary
employed_informal
137.18
8
limited
1
326
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,025
urban
male
24
18-24
lowest
primary
farmer
66
3
none
0
391
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Malawi
2,023
urban
male
22
18-24
middle
secondary
farmer
988.23
1
none
0
595
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
DRC
2,018
rural
male
54
45-54
middle
secondary
unemployed
94.26
5
none
1
624
1
digital_lender
1,306.67
property
consumption
1
1,214.4
0.466
18
98.94
defaulted
not_applicable
low_burden
DRC
2,020
rural
male
40
35-44
highest
primary
farmer
648.2
6
none
0
512
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Ethiopia
2,021
urban
female
49
45-54
middle
primary
self_employed
464.17
5
good
0
196
1
family_friends
27,659.22
none
emergency
1
23,418.19
0.014
48
494.53
late_30_days
not_applicable
low_burden
Mozambique
2,025
urban
male
56
55+
lowest
primary
farmer
95.22
4
excellent
1
470
1
commercial_bank
2,469.9
none
business
0
0
0
0
0
not_applicable
insufficient_income
low_burden
Tanzania
2,022
urban
female
37
35-44
second
none
self_employed
404.6
8
none
0
139
1
family_friends
3,626.23
none
business
0
0
0
0
0
not_applicable
no_collateral
low_burden
Ghana
2,022
rural
male
49
45-54
fourth
primary
employed_informal
959.38
4
none
1
478
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Niger
2,019
rural
female
46
45-54
second
secondary
unemployed
169.71
2
excellent
1
343
0
none
0
none
none
0
0
0
0
0
not_applicable
null
low_burden
Rwanda
2,024
rural
male
48
45-54
highest
secondary
unemployed
1,757
1
none
0
29
1
family_friends
13,799.71
none
agriculture
0
0
0
0
0
not_applicable
documentation_issues
low_burden
Nigeria
2,020
rural
female
54
45-54
middle
primary
employed_formal
104.4
7
none
0
654
1
employer
2,187.99
vehicle
housing
1
1,758.7
0.069
12
156.64
paid_off
not_applicable
low_burden