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{
  "records": [
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      "num_previous_defaults": 0,
      "past_default_rate": 0.0,
      "days_since_last_loan": 40,
      "avg_time_bw_loans": 120,
      "avg_past_amount": 8000,
      "avg_past_daily_burden": 200,
      "std_past_amount": 500,
      "std_past_daily_burden": 20,
      "trend_in_amount": 1.05,
      "trend_in_burden": 0.9,
      "Total_Amount": 6000,
      "Total_Amount_to_Repay": 7200,
      "duration": 45,
      "daily_burden": 160,
      "amount_ratio": 0.4,
      "burden_ratio": 0.25,
      "duration_bucket": "45",
      "amount_bucket": "low",
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      "borrower_history_strength": "strong",
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      "quarter": 2,
      "week_of_year": 18,
      "days_to_salary_day": 5,
      "days_to_local_festival": 40,
      "lender_id": "L_low1",
      "lender_exposure_ratio": 0.05,
      "account_age_days": 900,
      "loan_frequency_per_year": 3,
      "repayment_consistency": 0.98,
      "latest_amount_ma3": 5500
    },
    {
      "num_previous_loans": 6,
      "num_previous_defaults": 0,
      "past_default_rate": 0.0,
      "days_since_last_loan": 25,
      "avg_time_bw_loans": 90,
      "avg_past_amount": 12000,
      "avg_past_daily_burden": 300,
      "std_past_amount": 700,
      "std_past_daily_burden": 30,
      "trend_in_amount": 1.0,
      "trend_in_burden": 0.95,
      "Total_Amount": 10000,
      "Total_Amount_to_Repay": 11500,
      "duration": 60,
      "daily_burden": 190,
      "amount_ratio": 0.55,
      "burden_ratio": 0.35,
      "duration_bucket": "60",
      "amount_bucket": "mid",
      "burden_percentile": 0.25,
      "borrower_history_strength": "strong",
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      "quarter": 3,
      "week_of_year": 27,
      "days_to_salary_day": 12,
      "days_to_local_festival": 25,
      "lender_id": "L_low2",
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      "account_age_days": 750,
      "loan_frequency_per_year": 4,
      "repayment_consistency": 0.95,
      "latest_amount_ma3": 10500
    },
    {
      "num_previous_loans": 4,
      "num_previous_defaults": 0,
      "past_default_rate": 0.0,
      "days_since_last_loan": 15,
      "avg_time_bw_loans": 60,
      "avg_past_amount": 15000,
      "avg_past_daily_burden": 450,
      "std_past_amount": 1200,
      "std_past_daily_burden": 40,
      "trend_in_amount": 1.05,
      "trend_in_burden": 1.0,
      "Total_Amount": 15000,
      "Total_Amount_to_Repay": 17500,
      "duration": 45,
      "daily_burden": 389,
      "amount_ratio": 0.8,
      "burden_ratio": 0.55,
      "duration_bucket": "45",
      "amount_bucket": "mid",
      "burden_percentile": 0.45,
      "borrower_history_strength": "medium",
      "month": 2,
      "quarter": 1,
      "week_of_year": 8,
      "days_to_salary_day": 18,
      "days_to_local_festival": 50,
      "lender_id": "L_mid1",
      "lender_exposure_ratio": 0.12,
      "account_age_days": 500,
      "loan_frequency_per_year": 5,
      "repayment_consistency": 0.88,
      "latest_amount_ma3": 16000
    },
    {
      "num_previous_loans": 3,
      "num_previous_defaults": 0,
      "past_default_rate": 0.0,
      "days_since_last_loan": 10,
      "avg_time_bw_loans": 45,
      "avg_past_amount": 17000,
      "avg_past_daily_burden": 520,
      "std_past_amount": 1500,
      "std_past_daily_burden": 60,
      "trend_in_amount": 1.1,
      "trend_in_burden": 1.05,
      "Total_Amount": 20000,
      "Total_Amount_to_Repay": 23000,
      "duration": 30,
      "daily_burden": 750,
      "amount_ratio": 1.2,
      "burden_ratio": 0.9,
      "duration_bucket": "30",
      "amount_bucket": "mid",
      "burden_percentile": 0.65,
      "borrower_history_strength": "medium",
      "month": 5,
      "quarter": 2,
      "week_of_year": 18,
      "days_to_salary_day": 10,
      "days_to_local_festival": 40,
      "lender_id": "L_mid2",
      "lender_exposure_ratio": 0.18,
      "account_age_days": 400,
      "loan_frequency_per_year": 6,
      "repayment_consistency": 0.82,
      "latest_amount_ma3": 18000
    },
    {
      "num_previous_loans": 5,
      "num_previous_defaults": 1,
      "past_default_rate": 0.2,
      "days_since_last_loan": 7,
      "avg_time_bw_loans": 40,
      "avg_past_amount": 18000,
      "avg_past_daily_burden": 600,
      "std_past_amount": 2200,
      "std_past_daily_burden": 90,
      "trend_in_amount": 1.15,
      "trend_in_burden": 1.1,
      "Total_Amount": 22000,
      "Total_Amount_to_Repay": 26000,
      "duration": 30,
      "daily_burden": 867,
      "amount_ratio": 1.35,
      "burden_ratio": 1.05,
      "duration_bucket": "30",
      "amount_bucket": "high",
      "burden_percentile": 0.75,
      "borrower_history_strength": "weak",
      "month": 9,
      "quarter": 3,
      "week_of_year": 36,
      "days_to_salary_day": 20,
      "days_to_local_festival": 10,
      "lender_id": "L_high1",
      "lender_exposure_ratio": 0.25,
      "account_age_days": 300,
      "loan_frequency_per_year": 8,
      "repayment_consistency": 0.7,
      "latest_amount_ma3": 21000
    },
    {
      "num_previous_loans": 7,
      "num_previous_defaults": 2,
      "past_default_rate": 0.29,
      "days_since_last_loan": 5,
      "avg_time_bw_loans": 30,
      "avg_past_amount": 22000,
      "avg_past_daily_burden": 750,
      "std_past_amount": 3000,
      "std_past_daily_burden": 120,
      "trend_in_amount": 1.2,
      "trend_in_burden": 1.2,
      "Total_Amount": 25000,
      "Total_Amount_to_Repay": 30000,
      "duration": 25,
      "daily_burden": 1200,
      "amount_ratio": 1.6,
      "burden_ratio": 1.3,
      "duration_bucket": "25",
      "amount_bucket": "high",
      "burden_percentile": 0.85,
      "borrower_history_strength": "weak",
      "month": 11,
      "quarter": 4,
      "week_of_year": 46,
      "days_to_salary_day": 25,
      "days_to_local_festival": 5,
      "lender_id": "L_high2",
      "lender_exposure_ratio": 0.32,
      "account_age_days": 250,
      "loan_frequency_per_year": 9,
      "repayment_consistency": 0.6,
      "latest_amount_ma3": 24000
    },
    {
      "num_previous_loans": 9,
      "num_previous_defaults": 4,
      "past_default_rate": 0.44,
      "days_since_last_loan": 2,
      "avg_time_bw_loans": 20,
      "avg_past_amount": 26000,
      "avg_past_daily_burden": 950,
      "std_past_amount": 4000,
      "std_past_daily_burden": 180,
      "trend_in_amount": 1.3,
      "trend_in_burden": 1.35,
      "Total_Amount": 30000,
      "Total_Amount_to_Repay": 36000,
      "duration": 20,
      "daily_burden": 1500,
      "amount_ratio": 2.0,
      "burden_ratio": 1.8,
      "duration_bucket": "20",
      "amount_bucket": "high",
      "burden_percentile": 0.95,
      "borrower_history_strength": "weak",
      "month": 1,
      "quarter": 1,
      "week_of_year": 3,
      "days_to_salary_day": 28,
      "days_to_local_festival": 2,
      "lender_id": "L_high3",
      "lender_exposure_ratio": 0.4,
      "account_age_days": 150,
      "loan_frequency_per_year": 12,
      "repayment_consistency": 0.4,
      "latest_amount_ma3": 28000
    }
  ]
}