KGP Synthetic Pawn Loan Activity for New York Regions, Baseline Scenario

37 synthetic records modeling pawn loan activity under baseline operating conditions, created by gene fur and published on 2026-04-14. The dataset ties together collateral mix, loan sizing, durations, and repayment behavior across pawn shop locations in New York, including Freeport, Brooklyn, Bronx, and Westchester. It is a synthetic build with a realism score of 1.0, designed for research and modeling without real customer data.

Use Cases

• Modeling loan-to-value behavior based on the described constraints between collateral and loan amount.
• Analyzing regional differences in loan activity across the specified New York locations.
• Simulating repayment and default rates, especially the difference between repeat and non-repeat borrowers mentioned in the key observations.
• Studying the impact of category mix and duration pressure on loan portfolios under the baseline scenario.
• Benchmarking outlier detection methods on the heavy-tailed loan amount distribution described.

Strengths

• Explicitly synthetic nature ensures no privacy concerns with real customer data.
• Includes a defined realism score of 1.0 and a canonical hash for version integrity.
• Models multiple interconnected features: loan category, amount, duration, region, and repayment behavior.
• Based on a described baseline scenario with steady category mix, realistic outliers, and moderate seasonal movement.

Limitations

• Very small scale with only 37 rows, limiting statistical power for many analyses.
• Column-level documentation is absent; field semantics must be inferred after download.
• Data may reflect geographic bias inherent to the specific New York locations modeled.

Provenance

Source

figshare, with cross-platform references to Zenodo, OpenML, Kaggle, and GitHub.

Collection Method

Synthetically generated to model pawn loan activity.

Time Range

Scenario date is 2026-04-14; temporal coverage of modeled activity is not specified.

Freshness

Last updated 2026-04-14 18:03:25; freshness should be verified.

Geography

Multi-location pawn lender operations in New York, including Freeport, Brooklyn, Bronx, and Westchester.