Table 1.

Variables of the dataset.

Variable name	Variable Description	Variable type	Value Range	Value Description
source	Identifier of the borrowing household (“source of request”)	String	H1 - H260	H: household identifier, the non-respondents are omitted
target	Identifier of the lending household (“target of request”)	String	H1 - H260	H: household identifier, the non-respondents are omitted
credit	Interpersonal lending relationship between the source and the target households. “The target of request lends the source of request.”	Binary	0, 1	0: No 1: Yes
kinship	Kinship relation between the source and the target households	Binary	0, 1	0: No 1: Yes
friend	Friendship relation between the source and the target households	Binary	0, 1	0: No 1: Yes
dist	Spatial distance between the source and the target households: Euclidean distance calculated from geolocal position of the households’ location based on the addresses (latitude and longitude)	Double	0 – 0.0141, NA	numeric NA: cannot be determined
dist_p30	Spatial distance (dist. variable) is less than the 30th percentile of the distances across the dataset	Binary	0, 1, NA	0: No 1: Yes NA: cannot be determined
neighbor10	Is the target household among the 10 closest neighbours of the source household?	Binary	0, 1	0: No 1: Yes
same_street	Do both of the households live in the same street?	Binary	0, 1	0: No 1: Yes
target.romani	The target household is considered as Roma, based on self-assessment	Double	0, 0.83, 1	0: No 0.83: Mixed 1: Yes
source.romani	The source household is considered as Roma, based on self-assessment	Double	0, 0.83, 1	0: No 0.83: Mixed 1: Yes
target.poor	The target household is considered as low-income (below the poverty threshold, 70,000 HUF (∼200 EUR), based on total monthly income)	Binary	0, 1, NA	0: No 1: Yes NA: cannot be determined
source.poor	The source household is considered as low-income (below the poverty threshold, 70,000 HUF (∼200 EUR), based on total monthly income)	Binary	0, 1, NA	0: No 1: Yes NA: cannot be determined