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: 2026-04-13

Canonical hash: 64b980a845ec59242d5d11751dcab0f22002f8a49efc4fda90797db4bb9c6be1

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 (2026-04-04, baseline) via zenodo: https://zenodo.org/record/19411864
• 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-regional-pawn-market-conditions

OpenML dataset record: https://www.openml.org/d/47173

GitHub research index: https://github.com/empirgold-ctrl/pawn-datasets-research/blob/main/datasets/regional_pawn_market_conditions/2026-04-13/README.md