I've notice that much of the payment history does not consist of consecutive months. However none of the target data is zero. Assuming the target data resembles the payment history (either both have missing months or both don't,) either the payment history provided is missing some payments that did occur, or the target months are not necessarilly consectutive. So my question is: which is the case?
Have a look at this video https://www.youtube.com/watch?v=1X2RJfzf7-0&feature=youtu.be and this discussion https://zindi.africa/hackathons/sfc-paygo-solar-credit-repayment-hackathon/discussions/6401
You can figure it out by analysing the data: Payments are not necessarily consecutive.
For instance "ID_XGI5R0J" missed 2018-04, 2018-05, 2018-06 and 2018-11.