| Variable Description | Explanation |
| Number of active loans | Count of the number of loans not fully repaid |
| Total outstanding amount | Sum of entire loan amounts to be repaid over time |
| Difference between requirement and loan | Average of the difference between the required loan amount and the sanctioned amount for each loan case |
| Household size | Count of living members in the household |
| Kind of identity cards | Count of the variants of identity cards4 possessed |
| Number of identity cards | Sum of all identity cards4 possessed |
| Number of earning members | Count of members in household who earn an income |
| Number of females earning | Count of female members in household who earn an income |
| Total annual income | Sum of income of all members computed annually |
| Total annual expenses | Sum of all expenses of household computed annually |
| Different financial products availed | Count of the variants of financial products5 availed by the household apart from credit |
| Health problems faced in past 2 years | Count of all household members who faced health problems in the past 2 years including maternity and death |
| Healthcare costs in past 2 years | Sum of all household expenses on health problems in the past 2 years including maternity and death (leaves out preventive costs) |
| Household members currently studying | Count of all household members who are currently studying in either school or college |
| Annual cost of education | Sum of all household expenses on members who are currently studying in either school or college (leaves out hobby classes) |
| Members who left education mid-way | Count of all household members who had left their education mid-way (did not complete till standard 12) |
| Total social support expected | Sum of loan money expected from neighbours, parents, relatives and friends, if each were requested for Rs.10,000 ($150) |