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
2,019
rural
female
57
55+
second
none
self_employed
80.97
3
none
1
589
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Senegal
2,020
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
not_applicable
employment_status
moderate_burden
DRC
2,024
urban
female
63
55+
second
tertiary
employed_informal
93.22
6
none
1
577
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Ghana
2,023
rural
female
51
45-54
middle
none
unemployed
217.87
4
none
0
183
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mozambique
2,024
rural
female
55
45-54
second
none
employed_formal
66.9
8
none
1
586
1
commercial_bank
4,693.65
none
agriculture
0
0
0
0
0
not_applicable
no_credit_history
moderate_burden
Senegal
2,025
rural
female
52
45-54
middle
tertiary
self_employed
338.12
1
excellent
0
567
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Niger
2,025
rural
male
47
45-54
second
secondary
farmer
99.24
8
good
0
213
1
informal_lender
1,754.93
property
business
0
0
0
0
0
not_applicable
existing_debt
moderate_burden
Malawi
2,018
rural
male
65
55+
lowest
secondary
employed_informal
32.42
8
none
1
248
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
South Africa
2,023
rural
male
30
25-34
middle
none
employed_informal
170.08
4
none
1
382
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Nigeria
2,023
rural
female
58
55+
second
none
farmer
28.93
1
good
0
136
1
family_friends
2,866.05
guarantor
agriculture
0
0
0
0
0
not_applicable
no_credit_history
moderate_burden
Ethiopia
2,023
rural
male
63
55+
second
tertiary
employed_informal
135.04
9
none
0
600
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mali
2,025
urban
female
29
25-34
lowest
primary
unemployed
75.4
1
none
1
699
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Niger
2,024
urban
male
62
55+
lowest
primary
employed_formal
98.47
9
limited
1
414
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Malawi
2,024
urban
male
35
25-34
lowest
primary
farmer
59.2
7
none
0
0
1
informal_lender
2,986.41
none
asset_purchase
0
0
0
0
0
not_applicable
no_credit_history
moderate_burden
Mali
2,022
rural
male
44
35-44
lowest
primary
self_employed
23.53
1
limited
1
584
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mali
2,020
urban
female
44
35-44
lowest
secondary
employed_informal
77.68
9
limited
1
157
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Kenya
2,021
rural
male
39
35-44
second
tertiary
employed_informal
37.84
6
limited
0
550
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mali
2,019
rural
male
68
55+
second
none
employed_informal
55.95
2
good
1
682
1
digital_lender
2,836.8
none
consumption
0
0
0
0
0
not_applicable
no_collateral
moderate_burden
Ethiopia
2,018
rural
female
31
25-34
highest
primary
self_employed
628.14
9
none
0
624
1
family_friends
7,058.53
guarantor
emergency
0
0
0
0
0
not_applicable
no_credit_history
moderate_burden
South Africa
2,018
rural
female
28
25-34
second
secondary
employed_formal
31.12
5
none
0
609
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Zambia
2,020
rural
male
58
55+
highest
none
self_employed
436.54
10
limited
1
666
1
microfinance
4,058
savings
business
1
3,269.53
0.36
24
185.26
paid_off
not_applicable
moderate_burden
Mozambique
2,025
rural
male
59
55+
second
primary
employed_formal
78.55
7
none
0
436
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Kenya
2,023
rural
female
34
25-34
second
primary
employed_informal
46.31
7
none
0
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mozambique
2,018
rural
male
28
25-34
lowest
tertiary
employed_informal
45.89
4
good
0
847
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Senegal
2,019
urban
female
31
25-34
second
tertiary
employed_informal
202.4
4
good
0
691
1
family_friends
10,039.6
vehicle
education
1
9,774.41
0.043
24
424.72
current
not_applicable
moderate_burden
Zambia
2,020
urban
male
53
45-54
second
tertiary
employed_formal
229.05
5
limited
1
612
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Senegal
2,022
urban
female
66
55+
second
none
unemployed
413.11
4
none
0
276
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Rwanda
2,022
urban
female
20
18-24
second
none
unemployed
76.67
2
limited
1
419
1
digital_lender
1,415.69
savings
housing
0
0
0
0
0
not_applicable
no_collateral
moderate_burden
Tanzania
2,022
rural
male
35
25-34
middle
tertiary
self_employed
430.32
7
none
0
407
1
family_friends
7,495.64
savings
business
0
0
0
0
0
not_applicable
no_collateral
moderate_burden
Malawi
2,024
rural
female
58
55+
middle
tertiary
farmer
192.66
8
none
1
719
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Rwanda
2,023
rural
male
45
35-44
highest
secondary
self_employed
740.37
3
none
1
329
1
commercial_bank
6,055.53
none
asset_purchase
0
0
0
0
0
not_applicable
existing_debt
moderate_burden
Kenya
2,021
urban
male
43
35-44
fourth
primary
employed_informal
1,425.33
7
none
1
641
1
microfinance
9,789.01
none
business
1
8,651.88
0.335
12
962.59
current
not_applicable
moderate_burden
DRC
2,020
urban
female
63
55+
second
none
self_employed
186.52
8
limited
0
682
1
family_friends
1,516.16
none
housing
0
0
0
0
0
not_applicable
insufficient_income
moderate_burden
Ethiopia
2,018
rural
male
33
25-34
lowest
none
employed_formal
231.29
5
limited
0
533
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Rwanda
2,019
rural
male
63
55+
highest
secondary
employed_informal
566.31
4
none
0
22
1
informal_lender
6,988.95
equipment
consumption
0
0
0
0
0
not_applicable
no_collateral
moderate_burden
Mali
2,023
rural
female
53
45-54
second
tertiary
farmer
78.09
9
none
1
530
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Kenya
2,022
rural
female
61
55+
second
primary
unemployed
40.08
2
limited
0
696
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Malawi
2,025
urban
female
46
45-54
second
none
employed_informal
210.11
4
good
0
184
1
informal_lender
6,005.42
guarantor
agriculture
1
5,884.83
0.796
12
880.89
late_60_days
not_applicable
moderate_burden
South Africa
2,022
rural
male
29
25-34
second
tertiary
unemployed
258.03
4
limited
0
369
1
microfinance
4,070.26
none
emergency
0
0
0
0
0
not_applicable
employment_status
moderate_burden
Ghana
2,018
rural
female
29
25-34
highest
secondary
farmer
576.15
8
limited
0
491
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mozambique
2,025
rural
male
46
45-54
lowest
none
self_employed
80.13
8
none
1
49
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mozambique
2,021
urban
female
56
55+
second
primary
employed_formal
106.56
10
excellent
0
801
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
South Africa
2,023
rural
male
67
55+
second
secondary
farmer
16.97
2
limited
1
394
1
microfinance
1,585.04
savings
agriculture
0
0
0
0
0
not_applicable
no_collateral
moderate_burden
Uganda
2,022
rural
male
50
45-54
fourth
primary
self_employed
302.48
5
limited
1
144
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Kenya
2,025
urban
female
20
18-24
lowest
none
unemployed
40.91
2
none
0
409
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mozambique
2,020
rural
male
47
45-54
middle
secondary
employed_formal
197.34
10
limited
0
524
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
South Africa
2,023
rural
female
37
35-44
second
tertiary
farmer
74.41
5
limited
0
416
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Tanzania
2,023
rural
male
23
18-24
middle
none
farmer
955.96
4
limited
1
191
1
family_friends
4,420.88
guarantor
consumption
1
4,038.49
0.048
24
176.39
current
not_applicable
moderate_burden
Senegal
2,023
rural
male
57
55+
lowest
secondary
self_employed
79.1
4
none
0
671
1
employer
3,293.82
guarantor
education
0
0
0
0
0
not_applicable
employment_status
moderate_burden
Ethiopia
2,020
rural
male
64
55+
highest
secondary
farmer
1,266.67
6
none
1
628
1
commercial_bank
14,013.39
none
business
1
13,489.97
0.19
6
2,674.83
late_30_days
not_applicable
moderate_burden
Uganda
2,023
rural
female
31
25-34
lowest
primary
employed_informal
49.89
1
limited
1
773
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Kenya
2,021
urban
male
24
18-24
highest
tertiary
employed_informal
1,214.75
8
excellent
1
850
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Kenya
2,019
rural
male
24
18-24
lowest
secondary
farmer
89.56
5
good
1
850
1
microfinance
3,673.12
none
business
1
3,324.47
0.334
12
369.57
paid_off
not_applicable
moderate_burden
Kenya
2,024
rural
male
56
55+
middle
secondary
farmer
241.83
1
limited
0
389
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mali
2,018
urban
female
26
25-34
fourth
secondary
employed_informal
139.85
9
none
1
474
1
digital_lender
9,119.41
vehicle
housing
0
0
0
0
0
not_applicable
no_credit_history
moderate_burden
Mozambique
2,021
rural
female
32
25-34
lowest
secondary
farmer
89.5
4
limited
0
810
1
digital_lender
2,764.21
guarantor
asset_purchase
1
2,577.31
0.44
6
618.4
late_30_days
not_applicable
moderate_burden
DRC
2,020
urban
male
36
35-44
fourth
secondary
employed_informal
866.55
8
none
0
485
1
informal_lender
16,149.13
guarantor
debt_consolidation
0
0
0
0
0
not_applicable
insufficient_income
moderate_burden
Uganda
2,021
urban
female
30
25-34
lowest
secondary
unemployed
66.49
1
none
1
427
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mozambique
2,019
rural
male
38
35-44
second
none
farmer
180.68
3
none
1
394
1
commercial_bank
9,529.46
none
emergency
0
0
0
0
0
not_applicable
insufficient_income
moderate_burden
Tanzania
2,025
urban
male
49
45-54
lowest
none
employed_formal
78.64
9
none
0
238
1
microfinance
1,179.32
savings
education
0
0
0
0
0
not_applicable
insufficient_income
moderate_burden
Rwanda
2,024
rural
male
24
18-24
second
primary
employed_formal
66.78
10
none
1
347
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Niger
2,021
rural
female
41
35-44
fourth
tertiary
farmer
177.9
5
good
1
344
1
digital_lender
1,648.72
savings
business
0
0
0
0
0
not_applicable
insufficient_income
moderate_burden
Zambia
2,022
rural
male
60
55+
second
secondary
self_employed
162.09
1
none
1
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Tanzania
2,020
urban
male
39
35-44
middle
secondary
self_employed
223.84
6
good
0
850
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Ghana
2,020
rural
female
48
45-54
fourth
secondary
employed_informal
309.92
6
none
1
247
1
commercial_bank
5,238.75
savings
agriculture
0
0
0
0
0
not_applicable
no_collateral
moderate_burden
Ethiopia
2,019
urban
female
68
55+
fourth
secondary
employed_informal
312.92
2
none
1
264
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Ethiopia
2,020
rural
male
49
45-54
highest
primary
farmer
1,372.7
2
none
0
376
1
family_friends
7,502.43
none
agriculture
0
0
0
0
0
not_applicable
documentation_issues
moderate_burden
Ethiopia
2,023
urban
male
35
25-34
fourth
secondary
employed_informal
666.94
7
limited
0
551
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Rwanda
2,024
rural
male
63
55+
lowest
secondary
self_employed
89.15
9
limited
0
376
1
informal_lender
3,449.81
none
agriculture
0
0
0
0
0
not_applicable
existing_debt
moderate_burden
Rwanda
2,022
rural
female
22
18-24
middle
secondary
employed_formal
48.07
4
excellent
1
354
1
commercial_bank
1,902.47
none
business
0
0
0
0
0
not_applicable
no_credit_history
moderate_burden
Zambia
2,021
rural
male
35
25-34
lowest
primary
employed_informal
102.27
8
limited
0
101
1
sacco
1,638.12
savings
business
0
0
0
0
0
not_applicable
existing_debt
moderate_burden
Senegal
2,023
rural
male
32
25-34
lowest
primary
unemployed
44.2
3
excellent
0
821
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Rwanda
2,025
rural
female
59
55+
lowest
none
unemployed
25.23
1
good
0
251
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Niger
2,025
rural
male
49
45-54
lowest
secondary
employed_informal
110.42
3
good
0
419
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Mozambique
2,023
rural
male
41
35-44
middle
tertiary
self_employed
219.3
8
limited
1
154
1
family_friends
3,724.99
vehicle
emergency
1
3,236.09
0.076
36
96.74
paid_off
not_applicable
moderate_burden
Mozambique
2,024
urban
female
20
18-24
lowest
secondary
self_employed
38.62
6
none
1
558
1
digital_lender
4,424.53
property
business
1
4,168.66
0.462
24
254.01
paid_off
not_applicable
moderate_burden
Uganda
2,023
urban
female
69
55+
middle
secondary
farmer
661.53
9
none
0
590
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Rwanda
2,020
rural
male
25
18-24
fourth
primary
farmer
333.5
4
limited
1
126
1
microfinance
6,293.48
none
consumption
0
0
0
0
0
not_applicable
no_credit_history
moderate_burden
DRC
2,025
urban
male
56
55+
fourth
none
unemployed
331.27
1
limited
1
406
1
sacco
3,535.81
none
asset_purchase
0
0
0
0
0
not_applicable
no_collateral
moderate_burden
Ethiopia
2,025
urban
male
22
18-24
lowest
none
self_employed
137.79
2
none
0
0
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Senegal
2,022
rural
male
20
18-24
second
primary
farmer
202.09
4
limited
0
301
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Malawi
2,021
urban
male
66
55+
second
primary
employed_formal
100.66
5
limited
0
73
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Tanzania
2,022
urban
male
66
55+
fourth
secondary
employed_informal
592.31
1
none
1
287
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Senegal
2,023
rural
male
22
18-24
lowest
primary
employed_informal
42.08
4
limited
1
552
1
microfinance
3,512.29
none
housing
0
0
0
0
0
not_applicable
documentation_issues
moderate_burden
Mozambique
2,021
urban
male
50
45-54
fourth
none
farmer
475.5
5
none
1
340
1
employer
20,752.08
guarantor
asset_purchase
0
0
0
0
0
not_applicable
no_collateral
moderate_burden
Mozambique
2,020
rural
female
19
18-24
fourth
primary
employed_informal
664.51
5
good
1
755
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Nigeria
2,024
urban
male
37
35-44
second
secondary
unemployed
180.02
1
limited
1
449
1
sacco
5,432.83
equipment
housing
1
4,533.57
0.367
18
344.33
current
not_applicable
moderate_burden
Zambia
2,021
rural
male
33
25-34
fourth
primary
employed_informal
301.48
5
good
0
850
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
DRC
2,024
urban
male
62
55+
lowest
tertiary
unemployed
175.84
5
limited
0
14
1
sacco
12,587.5
none
business
0
0
0
0
0
not_applicable
no_collateral
moderate_burden
Uganda
2,025
urban
male
63
55+
middle
primary
employed_formal
113.97
6
limited
0
394
1
family_friends
2,426.4
equipment
housing
0
0
0
0
0
not_applicable
insufficient_income
moderate_burden
South Africa
2,024
rural
male
30
25-34
fourth
none
unemployed
379.27
6
none
1
580
1
family_friends
3,134.66
none
consumption
0
0
0
0
0
not_applicable
employment_status
moderate_burden
Zambia
2,024
rural
female
52
45-54
fourth
primary
self_employed
1,145.11
9
none
0
239
1
informal_lender
14,749.41
savings
agriculture
1
14,492.45
0.807
24
1,090.89
current
not_applicable
moderate_burden
Uganda
2,025
rural
female
43
35-44
fourth
primary
unemployed
546.91
3
good
1
827
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Uganda
2,023
urban
male
39
35-44
lowest
tertiary
employed_informal
79.21
3
limited
1
558
1
commercial_bank
4,520.61
none
agriculture
1
4,469.86
0.176
12
438.08
paid_off
not_applicable
moderate_burden
Rwanda
2,022
rural
female
53
45-54
lowest
primary
employed_informal
72.23
10
limited
1
723
1
microfinance
9,119.46
none
consumption
1
8,205.51
0.352
6
1,848.69
current
not_applicable
moderate_burden
Mali
2,025
urban
female
24
18-24
fourth
secondary
self_employed
62.27
8
none
0
332
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Senegal
2,022
rural
female
20
18-24
fourth
none
farmer
331.19
6
none
0
79
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Uganda
2,019
urban
female
18
18-24
second
primary
farmer
220.68
4
limited
0
133
1
commercial_bank
3,370.17
none
agriculture
0
0
0
0
0
not_applicable
no_collateral
moderate_burden
Senegal
2,018
rural
female
42
35-44
highest
secondary
farmer
472.86
8
excellent
0
754
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden
Niger
2,018
rural
female
21
18-24
second
secondary
farmer
154.96
9
none
0
655
0
none
0
none
none
0
0
0
0
0
not_applicable
null
moderate_burden