How do I use a blank cell in a csv in a conditional if statement?

I'm trying to change the '0' on the first line of my code to blank space (to substitute me having to input 0 in each cell in the CSV). Any suggestions for possible solutions?

My current code:

elif '1' in row[5] and '0' in row[24]:
    print(f'Selamat Siang {row[0]} {row[1]}, kami dari Batumbu Funding Management.\n')
    print(f'Kami informasikan bahwa pada tanggal {row[2]} terdapat pembayaran atas pendanaan kepada borrower:')
    print(f'\u2022 {repay()}')

csv reader code:

import csv

with open('repaydisburse.csv') as csv_file:
  csv_reader = csv.reader(csv_file, delimiter=',')
  line_count = 0

  for row in csv_reader:
    line_count += 1
    if line_count == 1:
    line_count += 1