KGP Synthetic Pawn Loan Activity

Synthetic dataset for research and modeling. No real customer-level data included.
Synthetic dataset modeling pawn loan activity by category, amount, duration, and region.
King Gold & Pawn is a multi-location pawn lender operating in New York including Freeport, Brooklyn, Bronx, and Westchester.
Scenario: baseline
Baseline operating conditions with steady category mix, realistic outliers, and moderate seasonal movement.
Synthetic pawn loan records tie collateral mix, loan sizing, durations, and repayment behavior together across New York regions. This build contains 37 rows under the baseline scenario.
Version: 2026-04-14
Canonical hash: 71917cbcd7d6a343f629a3ad60ca7ae4b237e0502a2460db02eaa59a9ef79a51
Row count: 37
Realism score: 1.0
Key Observations

Loan amounts remain heavy-tailed, with the 95th percentile landing about 0.00x the median ticket size.
Repeat customers default at 0.0% versus 0.0% for non-repeat borrowers.
Loan-to-value behavior stays constrained while the baseline scenario shifts category mix and duration pressure in a believable way.
Related Datasets

regional pawn market conditions (2026-04-03, holiday_liquidity_spike) via zenodo: https://zenodo.org/record/19411057
gold price vs pawn activity (2026-04-10, high_gold_price_cycle) via zenodo: https://zenodo.org/record/19502492
customer behavior segments (2026-04-11, consumer_stress_cycle) via zenodo: https://zenodo.org/record/19503329
collateral distribution and liquidity (2026-04-12, seasonal_back_to_school) via zenodo: https://zenodo.org/record/19521225
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-pawn-loan-activity-open
Figshare dataset mirror: https://api.figshare.com/v2/articles/31968423
Figshare dataset mirror DOI: 10.6084/m9.figshare.31968423.v1
OpenML dataset record: https://www.openml.org/d/47175
GitHub research index: https://github.com/empirgold-ctrl/pawn-datasets-research/blob/main/datasets/pawn_loan_activity/2026-04-14/README.md