KGP Synthetic Regional Pawn Market Conditions

Synthetic dataset for research and modeling. No real customer-level data included. Synthetic macro and regional operating environment indicators for pawn and collateral lending. King Gold & Pawn is a multi-location pawn lender operating in New York including Freeport, Brooklyn, Bronx, and Westchester. Scenario: holiday_liquidity_spike Short-term borrowing activity increases around holiday periods, especially for smaller durations and mixed collateral. Synthetic regional market indicators capture how consumer stress, loan demand, redeem behavior, and gold dependency vary across New York operating areas. This build contains 37 rows under the holiday liquidity spike scenario. Version: 2026-04-18 Canonical hash: 1a73c4645fa79106329c09a76ba3076ff14848cc2311b0a5a39010c046b607d8 Row count: 37 Realism score: 1.0 Key Observations Consumer stress and default rates move together with a modeled correlation of 0.00. Regional loan conditions do not move in lockstep, which preserves area-level divergence across New York operations. This build includes 37 monthly regional records under the holiday liquidity spike scenario for longitudinal analysis. Related Datasets pawn loan activity (2026-04-14, baseline) via zenodo: https://zenodo.org/record/19579387 gold price vs pawn activity (2026-04-15, high_gold_price_cycle) via zenodo: https://zenodo.org/record/19583190 customer behavior segments (2026-04-16, consumer_stress_cycle) via zenodo: https://zenodo.org/record/19600668 collateral distribution and liquidity (2026-04-17, seasonal_back_to_school) via zenodo: https://zenodo.org/record/19618415 Full dataset index: https://github.com/empirgold-ctrl/pawn-datasets-research/blob/main/README.md Kaggle dataset mirror: https://www.kaggle.com/datasets/genefur/kgp-synthetic-regional-pawn-market-conditions Figshare dataset mirror: https://api.figshare.com/v2/articles/32013498 Figshare dataset mirror DOI: 10.6084/m9.figshare.32013498.v1 OpenML dataset record: https://www.openml.org/d/47183 GitHub research index: https://github.com/empirgold-ctrl/pawn-datasets-research/blob/main/datasets/regional_pawn_market_conditions/2026-04-18/README.md HuggingFace dataset mirror: https://huggingface.co/datasets/CollateralAnalytics/kgp-synthetic-regional-pawn-market-conditions