Nigerian Banking
Collection
20 Nigerian banking datasets for ML research, fraud detection, and financial analytics. • 20 items • Updated • 2
Datasets:
loan_id stringlengths 14 14 | application_date timestamp[ns]date 2021-01-01 00:00:00 2024-12-30 00:00:00 | disbursement_date timestamp[ns]date 2021-01-08 00:00:00 2025-01-29 00:00:00 | business_id stringlengths 12 12 | business_sector stringclasses 5
values | business_state stringclasses 37
values | years_in_business int64 0 20 | annual_revenue_ngn float64 1M 500M | num_employees int64 1 27 | principal_ngn float64 500k 50M | interest_rate_annual float64 0.18 0.35 | tenor_months int64 6 36 | lender stringclasses 10
values | collateral_value_ngn float64 600k 125M | credit_score int64 300 850 | default_90d bool 2
classes | default_180d bool 2
classes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
SME-0000829993 | 2023-08-03T00:00:00 | 2023-08-12T00:00:00 | BIZ-00829993 | retail_trade | Benue | 5 | 17,966,788.939176 | 7 | 2,756,081.720033 | 0.22965 | 12 | Access Bank | 3,637,617.906455 | 582 | false | false |
SME-0001116952 | 2022-02-04T00:00:00 | 2022-03-06T00:00:00 | BIZ-01116952 | services | Rivers | 0 | 2,509,480.25506 | 11 | 905,539.125612 | 0.338573 | 12 | Stanbic IBTC | 1,791,233.824604 | 495 | false | false |
SME-0001445480 | 2024-12-20T00:00:00 | 2025-01-03T00:00:00 | BIZ-01445480 | services | Oyo | 2 | 1,350,791.770785 | 12 | 1,362,816.014503 | 0.305106 | 12 | First Bank of Nigeria | 1,646,241.408291 | 588 | true | true |
SME-0000465969 | 2022-12-08T00:00:00 | 2022-12-25T00:00:00 | BIZ-00465969 | manufacturing | Lagos | 5 | 21,956,928.493794 | 5 | 6,593,180.189599 | 0.269295 | 24 | Access Bank | 13,787,570.747408 | 492 | false | false |
SME-0001466631 | 2021-09-07T00:00:00 | 2021-09-26T00:00:00 | BIZ-01466631 | retail_trade | Edo | 0 | 6,390,601.636877 | 6 | 4,763,642.734807 | 0.296228 | 6 | GTBank (Guaranty Trust) | 6,684,085.83329 | 694 | true | true |
SME-0000567560 | 2023-06-02T00:00:00 | 2023-06-21T00:00:00 | BIZ-00567560 | manufacturing | Ogun | 1 | 1,000,000 | 4 | 500,000 | 0.245393 | 12 | Union Bank | 763,773.10197 | 639 | false | false |
SME-0001546380 | 2022-10-08T00:00:00 | 2022-10-19T00:00:00 | BIZ-01546380 | retail_trade | Sokoto | 3 | 2,094,542.684433 | 5 | 1,125,731.520179 | 0.337779 | 18 | Ecobank Nigeria | 2,116,899.170038 | 624 | false | false |
SME-0001284237 | 2021-06-06T00:00:00 | 2021-06-18T00:00:00 | BIZ-01284237 | services | Lagos | 0 | 1,000,000 | 7 | 1,378,315.879553 | 0.35 | 24 | Union Bank | 2,351,277.706437 | 687 | false | false |
SME-0001817536 | 2024-12-13T00:00:00 | 2025-01-02T00:00:00 | BIZ-01817536 | retail_trade | Lagos | 2 | 4,347,558.419454 | 6 | 500,000 | 0.208104 | 36 | First Bank of Nigeria | 945,709.389208 | 674 | false | false |
SME-0001080236 | 2023-11-06T00:00:00 | 2023-11-25T00:00:00 | BIZ-01080236 | manufacturing | Rivers | 2 | 7,997,396.364958 | 8 | 1,005,763.077276 | 0.296924 | 12 | United Bank for Africa (UBA) | 2,510,142.100188 | 801 | false | false |
SME-0000339581 | 2021-06-18T00:00:00 | 2021-07-14T00:00:00 | BIZ-00339581 | retail_trade | Niger | 0 | 10,459,950.457382 | 5 | 4,723,021.942641 | 0.306875 | 24 | Sterling Bank | 5,827,618.748578 | 671 | false | false |
SME-0001453049 | 2024-01-07T00:00:00 | 2024-01-28T00:00:00 | BIZ-01453049 | retail_trade | Anambra | 1 | 1,991,328.306827 | 3 | 500,000 | 0.285775 | 12 | United Bank for Africa (UBA) | 1,046,346.38293 | 488 | false | false |
SME-0001975570 | 2024-10-17T00:00:00 | 2024-10-24T00:00:00 | BIZ-01975570 | technology | Plateau | 2 | 8,186,067.340808 | 6 | 545,730.230578 | 0.296324 | 18 | Union Bank | 970,056.224782 | 708 | false | false |
SME-0000733893 | 2024-02-09T00:00:00 | 2024-02-29T00:00:00 | BIZ-00733893 | manufacturing | Benue | 16 | 1,000,000 | 9 | 3,344,830.500201 | 0.237586 | 18 | First Bank of Nigeria | 6,935,111.921208 | 572 | false | false |
SME-0000856163 | 2022-04-16T00:00:00 | 2022-05-03T00:00:00 | BIZ-00856163 | services | Taraba | 0 | 81,368,553.852944 | 4 | 500,000 | 0.284475 | 12 | GTBank (Guaranty Trust) | 1,153,768.569037 | 413 | false | false |
SME-0001344977 | 2021-01-03T00:00:00 | 2021-01-24T00:00:00 | BIZ-01344977 | retail_trade | Lagos | 0 | 3,326,676.083789 | 13 | 739,849.473214 | 0.327398 | 12 | Access Bank | 1,366,857.187737 | 537 | false | false |
SME-0000218470 | 2021-03-16T00:00:00 | 2021-04-05T00:00:00 | BIZ-00218470 | services | Akwa Ibom | 4 | 11,843,648.662464 | 4 | 500,000 | 0.238022 | 12 | Stanbic IBTC | 954,948.946879 | 730 | false | false |
SME-0001494686 | 2023-02-01T00:00:00 | 2023-02-11T00:00:00 | BIZ-01494686 | manufacturing | Delta | 1 | 2,184,883.704984 | 9 | 2,668,382.372695 | 0.312345 | 12 | Access Bank | 6,281,644.22883 | 617 | false | false |
SME-0001983642 | 2022-07-27T00:00:00 | 2022-08-12T00:00:00 | BIZ-01983642 | services | Oyo | 0 | 5,657,195.555786 | 9 | 1,717,964.641383 | 0.213286 | 24 | United Bank for Africa (UBA) | 4,253,660.375944 | 632 | false | false |
SME-0001733221 | 2024-08-08T00:00:00 | 2024-08-20T00:00:00 | BIZ-01733221 | services | Oyo | 12 | 1,933,357.293685 | 5 | 863,209.118118 | 0.195267 | 6 | Zenith Bank | 1,119,797.863791 | 395 | false | false |
SME-0000783287 | 2021-05-16T00:00:00 | 2021-05-24T00:00:00 | BIZ-00783287 | retail_trade | Lagos | 8 | 1,804,302.750225 | 11 | 2,504,129.333994 | 0.204901 | 36 | Access Bank | 3,330,348.554274 | 623 | false | false |
SME-0000304601 | 2022-04-03T00:00:00 | 2022-05-03T00:00:00 | BIZ-00304601 | retail_trade | Edo | 0 | 4,927,748.647382 | 9 | 512,501.71316 | 0.230873 | 24 | Access Bank | 1,111,258.297907 | 704 | false | false |
SME-0000060776 | 2024-01-01T00:00:00 | 2024-01-16T00:00:00 | BIZ-00060776 | retail_trade | Lagos | 1 | 6,445,561.32222 | 8 | 500,000 | 0.250516 | 12 | Union Bank | 1,160,363.571301 | 664 | false | false |
SME-0001425910 | 2024-10-09T00:00:00 | 2024-10-26T00:00:00 | BIZ-01425910 | agriculture | Lagos | 1 | 12,143,098.499986 | 8 | 500,000 | 0.347222 | 36 | Access Bank | 1,001,727.066577 | 534 | false | false |
SME-0001411971 | 2021-03-04T00:00:00 | 2021-03-24T00:00:00 | BIZ-01411971 | agriculture | Katsina | 0 | 16,264,477.020739 | 7 | 2,613,258.242631 | 0.343316 | 18 | Union Bank | 5,907,544.560999 | 511 | false | false |
SME-0000772875 | 2022-01-24T00:00:00 | 2022-02-21T00:00:00 | BIZ-00772875 | services | Akwa Ibom | 2 | 2,375,056.479999 | 3 | 2,114,274.899075 | 0.247543 | 12 | GTBank (Guaranty Trust) | 4,910,086.635965 | 661 | false | false |
SME-0001746216 | 2024-08-05T00:00:00 | 2024-09-01T00:00:00 | BIZ-01746216 | manufacturing | Edo | 5 | 1,000,000 | 6 | 1,884,821.497979 | 0.223968 | 24 | Access Bank | 4,125,985.794954 | 476 | false | true |
SME-0000621734 | 2024-02-21T00:00:00 | 2024-03-16T00:00:00 | BIZ-00621734 | manufacturing | Lagos | 19 | 7,032,357.54336 | 5 | 500,000 | 0.297399 | 12 | Stanbic IBTC | 1,221,523.953254 | 651 | false | false |
SME-0000962770 | 2024-04-16T00:00:00 | 2024-05-07T00:00:00 | BIZ-00962770 | manufacturing | Kano | 0 | 9,669,493.718656 | 7 | 1,316,922.226845 | 0.297507 | 24 | First Bank of Nigeria | 1,815,849.238401 | 689 | false | false |
SME-0000819157 | 2021-09-12T00:00:00 | 2021-10-08T00:00:00 | BIZ-00819157 | agriculture | Ogun | 2 | 1,916,864.685409 | 7 | 790,133.035397 | 0.324957 | 36 | First Bank of Nigeria | 1,640,795.588937 | 608 | false | false |
SME-0000467760 | 2023-10-11T00:00:00 | 2023-10-20T00:00:00 | BIZ-00467760 | manufacturing | Edo | 1 | 37,146,254.121711 | 7 | 772,940.891921 | 0.307346 | 12 | United Bank for Africa (UBA) | 1,821,197.098335 | 720 | false | false |
SME-0000664737 | 2021-08-11T00:00:00 | 2021-08-22T00:00:00 | BIZ-00664737 | services | Akwa Ibom | 1 | 1,616,216.580429 | 6 | 850,679.479976 | 0.271803 | 12 | Zenith Bank | 1,753,914.355901 | 645 | false | false |
SME-0001287983 | 2022-06-20T00:00:00 | 2022-07-18T00:00:00 | BIZ-01287983 | manufacturing | Kano | 2 | 27,531,095.152073 | 9 | 1,025,245.280058 | 0.314531 | 6 | United Bank for Africa (UBA) | 2,009,315.081048 | 549 | false | false |
SME-0001516121 | 2022-05-29T00:00:00 | 2022-06-19T00:00:00 | BIZ-01516121 | services | Kaduna | 0 | 1,000,000 | 6 | 2,284,429.617296 | 0.21262 | 12 | Fidelity Bank | 4,678,469.18011 | 644 | true | true |
SME-0000187346 | 2021-09-24T00:00:00 | 2021-10-11T00:00:00 | BIZ-00187346 | retail_trade | Lagos | 2 | 20,528,587.176981 | 11 | 1,480,369.847227 | 0.239299 | 12 | First Bank of Nigeria | 3,046,225.867172 | 545 | false | false |
SME-0000312201 | 2024-11-22T00:00:00 | 2024-12-12T00:00:00 | BIZ-00312201 | retail_trade | Lagos | 2 | 1,118,249.465957 | 5 | 1,699,790.112219 | 0.281399 | 12 | Zenith Bank | 2,310,573.087637 | 698 | false | false |
SME-0001875798 | 2022-03-28T00:00:00 | 2022-04-10T00:00:00 | BIZ-01875798 | services | Imo | 6 | 2,223,333.380672 | 5 | 962,088.96369 | 0.18 | 18 | First Bank of Nigeria | 2,101,005.13973 | 668 | false | false |
SME-0000669855 | 2023-08-28T00:00:00 | 2023-09-10T00:00:00 | BIZ-00669855 | agriculture | Bauchi | 3 | 5,835,272.548729 | 10 | 4,152,476.000473 | 0.231118 | 24 | First Bank of Nigeria | 5,643,303.330027 | 572 | false | false |
SME-0000259040 | 2022-08-05T00:00:00 | 2022-09-03T00:00:00 | BIZ-00259040 | manufacturing | Delta | 5 | 1,305,462.801096 | 7 | 12,033,565.989714 | 0.22029 | 6 | GTBank (Guaranty Trust) | 20,934,779.134621 | 752 | false | true |
SME-0001502770 | 2023-06-07T00:00:00 | 2023-06-24T00:00:00 | BIZ-01502770 | services | Rivers | 0 | 1,692,868.337203 | 7 | 1,413,075.975674 | 0.268327 | 18 | First Bank of Nigeria | 3,399,721.004454 | 555 | true | true |
SME-0000558170 | 2024-06-11T00:00:00 | 2024-07-01T00:00:00 | BIZ-00558170 | services | Lagos | 0 | 7,202,549.867052 | 4 | 2,855,706.127735 | 0.332703 | 24 | GTBank (Guaranty Trust) | 3,612,806.306447 | 554 | false | false |
SME-0000112691 | 2021-06-10T00:00:00 | 2021-06-21T00:00:00 | BIZ-00112691 | agriculture | Osun | 0 | 4,732,663.489076 | 9 | 927,519.789164 | 0.340208 | 6 | Sterling Bank | 2,314,297.696907 | 472 | false | false |
SME-0001855278 | 2021-08-23T00:00:00 | 2021-09-21T00:00:00 | BIZ-01855278 | retail_trade | Lagos | 5 | 2,410,609.761911 | 8 | 941,467.213229 | 0.234376 | 12 | GTBank (Guaranty Trust) | 1,840,229.393025 | 596 | false | false |
SME-0000685730 | 2023-03-06T00:00:00 | 2023-03-19T00:00:00 | BIZ-00685730 | manufacturing | Lagos | 0 | 5,118,608.504774 | 9 | 888,572.408618 | 0.204005 | 12 | United Bank for Africa (UBA) | 1,865,492.09152 | 576 | false | false |
SME-0001186520 | 2022-08-10T00:00:00 | 2022-09-07T00:00:00 | BIZ-01186520 | manufacturing | Lagos | 0 | 5,511,365.842413 | 11 | 1,028,957.21787 | 0.299078 | 18 | United Bank for Africa (UBA) | 2,425,660.311506 | 568 | false | false |
SME-0000973642 | 2021-07-20T00:00:00 | 2021-08-17T00:00:00 | BIZ-00973642 | services | Lagos | 4 | 2,281,369.401536 | 6 | 3,686,994.6616 | 0.35 | 6 | Access Bank | 6,936,719.685929 | 615 | false | false |
SME-0000802919 | 2023-08-13T00:00:00 | 2023-08-29T00:00:00 | BIZ-00802919 | technology | Rivers | 2 | 2,482,054.452091 | 8 | 1,088,130.206368 | 0.300386 | 6 | GTBank (Guaranty Trust) | 1,392,579.270756 | 700 | false | false |
SME-0000313476 | 2023-08-10T00:00:00 | 2023-09-08T00:00:00 | BIZ-00313476 | retail_trade | Lagos | 3 | 85,369,875.985723 | 8 | 1,760,263.515421 | 0.264209 | 12 | Access Bank | 2,402,386.638171 | 681 | false | false |
SME-0000692655 | 2022-04-22T00:00:00 | 2022-05-12T00:00:00 | BIZ-00692655 | manufacturing | Bauchi | 0 | 1,000,000 | 5 | 3,827,834.420627 | 0.333883 | 24 | Access Bank | 5,200,425.549565 | 542 | false | false |
SME-0001723186 | 2023-10-19T00:00:00 | 2023-11-07T00:00:00 | BIZ-01723186 | services | Ogun | 6 | 9,734,837.295421 | 5 | 802,398.79972 | 0.272522 | 24 | Zenith Bank | 1,647,707.730647 | 595 | false | false |
SME-0000898768 | 2024-08-07T00:00:00 | 2024-09-02T00:00:00 | BIZ-00898768 | services | Kano | 3 | 30,758,248.178671 | 6 | 1,458,361.00973 | 0.246738 | 12 | Access Bank | 2,237,724.811924 | 499 | false | false |
SME-0000160082 | 2022-03-12T00:00:00 | 2022-04-10T00:00:00 | BIZ-00160082 | services | Imo | 4 | 4,698,012.659536 | 7 | 565,189.059107 | 0.324882 | 18 | Access Bank | 1,056,457.302416 | 663 | false | false |
SME-0001718377 | 2021-02-02T00:00:00 | 2021-02-25T00:00:00 | BIZ-01718377 | manufacturing | Lagos | 3 | 11,543,928.68433 | 9 | 1,448,377.262138 | 0.237883 | 12 | Access Bank | 2,189,851.746608 | 606 | false | false |
SME-0000997392 | 2023-03-03T00:00:00 | 2023-03-12T00:00:00 | BIZ-00997392 | services | Kogi | 0 | 3,093,708.436863 | 10 | 5,387,719.42254 | 0.298957 | 36 | United Bank for Africa (UBA) | 10,589,263.792511 | 590 | false | false |
SME-0000264352 | 2021-01-03T00:00:00 | 2021-01-20T00:00:00 | BIZ-00264352 | retail_trade | Kano | 1 | 9,324,763.794525 | 7 | 731,880.511599 | 0.237108 | 6 | Zenith Bank | 1,096,350.974839 | 652 | false | false |
SME-0000881327 | 2023-10-26T00:00:00 | 2023-11-15T00:00:00 | BIZ-00881327 | agriculture | Borno | 1 | 2,386,867.688384 | 10 | 500,000 | 0.212158 | 36 | First Bank of Nigeria | 1,059,427.356357 | 616 | false | false |
SME-0001226219 | 2022-05-09T00:00:00 | 2022-05-16T00:00:00 | BIZ-01226219 | manufacturing | Lagos | 9 | 4,378,949.450666 | 13 | 4,963,299.04987 | 0.287102 | 12 | Sterling Bank | 7,564,778.677029 | 475 | false | false |
SME-0001125656 | 2024-03-12T00:00:00 | 2024-04-01T00:00:00 | BIZ-01125656 | services | Benue | 0 | 2,542,494.491021 | 11 | 16,255,396.755197 | 0.290977 | 12 | Stanbic IBTC | 23,924,697.786138 | 629 | true | true |
SME-0001219359 | 2023-03-16T00:00:00 | 2023-04-07T00:00:00 | BIZ-01219359 | retail_trade | Kwara | 10 | 1,596,185.715929 | 9 | 6,101,528.657247 | 0.27775 | 24 | United Bank for Africa (UBA) | 14,983,477.214085 | 604 | false | true |
SME-0001333484 | 2023-02-13T00:00:00 | 2023-03-01T00:00:00 | BIZ-01333484 | technology | Adamawa | 3 | 2,282,498.921619 | 8 | 639,108.067268 | 0.241256 | 6 | Zenith Bank | 903,157.382348 | 639 | false | false |
SME-0001012460 | 2024-08-08T00:00:00 | 2024-09-07T00:00:00 | BIZ-01012460 | services | Anambra | 1 | 8,915,377.484349 | 7 | 797,975.698065 | 0.265413 | 18 | Sterling Bank | 1,726,565.302392 | 592 | false | false |
SME-0001830250 | 2023-01-27T00:00:00 | 2023-02-26T00:00:00 | BIZ-01830250 | manufacturing | Anambra | 4 | 1,055,582.367024 | 11 | 827,687.752168 | 0.35 | 12 | United Bank for Africa (UBA) | 1,552,888.47462 | 584 | false | true |
SME-0001877212 | 2021-10-24T00:00:00 | 2021-11-17T00:00:00 | BIZ-01877212 | manufacturing | Abuja (FCT) | 0 | 13,830,625.730638 | 16 | 506,039.965173 | 0.33443 | 12 | Sterling Bank | 822,322.179149 | 677 | false | false |
SME-0001781315 | 2023-07-22T00:00:00 | 2023-08-05T00:00:00 | BIZ-01781315 | retail_trade | Kano | 1 | 3,901,188.530857 | 11 | 3,849,287.213831 | 0.280672 | 12 | Access Bank | 5,859,747.650356 | 621 | true | true |
SME-0001612677 | 2022-10-08T00:00:00 | 2022-10-28T00:00:00 | BIZ-01612677 | technology | Ogun | 7 | 11,328,901.105469 | 10 | 1,402,702.042437 | 0.250945 | 12 | United Bank for Africa (UBA) | 3,039,432.331045 | 623 | false | false |
SME-0001133014 | 2022-06-10T00:00:00 | 2022-06-17T00:00:00 | BIZ-01133014 | retail_trade | Ogun | 6 | 1,337,698.694058 | 9 | 5,954,396.596327 | 0.249125 | 24 | Fidelity Bank | 13,449,323.675635 | 548 | false | false |
SME-0000214225 | 2023-02-10T00:00:00 | 2023-02-21T00:00:00 | BIZ-00214225 | retail_trade | Rivers | 1 | 7,647,244.868056 | 9 | 1,846,689.680566 | 0.318473 | 24 | Sterling Bank | 4,178,183.786384 | 647 | false | false |
SME-0001794015 | 2023-11-03T00:00:00 | 2023-11-19T00:00:00 | BIZ-01794015 | retail_trade | Lagos | 0 | 23,436,086.184365 | 7 | 6,042,188.04599 | 0.217017 | 18 | Ecobank Nigeria | 8,821,276.205519 | 647 | false | false |
SME-0000804399 | 2023-12-31T00:00:00 | 2024-01-23T00:00:00 | BIZ-00804399 | retail_trade | Oyo | 2 | 2,482,270.086906 | 15 | 941,244.085401 | 0.185128 | 18 | Fidelity Bank | 2,261,695.139074 | 572 | false | false |
SME-0000386574 | 2023-08-07T00:00:00 | 2023-08-25T00:00:00 | BIZ-00386574 | manufacturing | Abuja (FCT) | 0 | 1,135,380.43854 | 5 | 779,884.974571 | 0.240301 | 12 | Fidelity Bank | 1,265,708.291229 | 669 | false | false |
SME-0000054476 | 2024-09-03T00:00:00 | 2024-09-25T00:00:00 | BIZ-00054476 | agriculture | Kano | 0 | 1,000,000 | 13 | 867,861.760308 | 0.263655 | 12 | Access Bank | 1,907,553.472636 | 624 | false | true |
SME-0000060042 | 2023-11-10T00:00:00 | 2023-12-03T00:00:00 | BIZ-00060042 | manufacturing | Oyo | 0 | 1,000,000 | 9 | 500,000 | 0.284635 | 18 | First Bank of Nigeria | 1,030,139.669716 | 635 | false | false |
SME-0001981637 | 2021-10-06T00:00:00 | 2021-10-16T00:00:00 | BIZ-01981637 | manufacturing | Katsina | 4 | 7,133,307.407512 | 10 | 1,138,243.116718 | 0.221656 | 6 | Zenith Bank | 1,880,752.260718 | 700 | false | false |
SME-0000872985 | 2021-07-29T00:00:00 | 2021-08-22T00:00:00 | BIZ-00872985 | retail_trade | Kogi | 2 | 4,634,054.706622 | 8 | 500,000 | 0.237166 | 12 | GTBank (Guaranty Trust) | 949,425.803116 | 757 | false | false |
SME-0001798598 | 2023-01-19T00:00:00 | 2023-02-15T00:00:00 | BIZ-01798598 | retail_trade | Lagos | 2 | 9,804,417.04619 | 4 | 1,300,268.040986 | 0.274702 | 6 | Stanbic IBTC | 1,639,150.255152 | 601 | false | false |
SME-0000558779 | 2023-07-22T00:00:00 | 2023-07-29T00:00:00 | BIZ-00558779 | retail_trade | Kano | 3 | 5,778,307.425557 | 4 | 500,000 | 0.185343 | 24 | Zenith Bank | 1,216,271.971806 | 593 | false | false |
SME-0000674857 | 2024-09-29T00:00:00 | 2024-10-27T00:00:00 | BIZ-00674857 | technology | Katsina | 2 | 4,964,802.942737 | 6 | 733,435.151326 | 0.236014 | 12 | GTBank (Guaranty Trust) | 1,715,850.73497 | 648 | false | false |
SME-0000380882 | 2021-01-26T00:00:00 | 2021-02-13T00:00:00 | BIZ-00380882 | agriculture | Rivers | 10 | 3,838,177.244466 | 14 | 500,000 | 0.290321 | 36 | GTBank (Guaranty Trust) | 769,933.562584 | 610 | false | false |
SME-0001686486 | 2021-07-16T00:00:00 | 2021-08-03T00:00:00 | BIZ-01686486 | services | Oyo | 5 | 1,597,952.540442 | 7 | 5,193,472.43199 | 0.346055 | 12 | Stanbic IBTC | 9,156,439.054224 | 566 | false | false |
SME-0001788005 | 2023-08-05T00:00:00 | 2023-08-27T00:00:00 | BIZ-01788005 | retail_trade | Abuja (FCT) | 0 | 1,000,000 | 5 | 3,122,518.532251 | 0.190378 | 24 | Sterling Bank | 4,185,349.39483 | 671 | true | true |
SME-0000859220 | 2023-08-23T00:00:00 | 2023-09-22T00:00:00 | BIZ-00859220 | retail_trade | Katsina | 4 | 1,386,169.881133 | 13 | 972,166.977746 | 0.303859 | 18 | United Bank for Africa (UBA) | 1,892,741.259958 | 621 | false | true |
SME-0000983854 | 2023-12-08T00:00:00 | 2023-12-31T00:00:00 | BIZ-00983854 | agriculture | Abia | 0 | 6,988,630.375122 | 4 | 2,549,069.863157 | 0.247721 | 12 | United Bank for Africa (UBA) | 5,921,411.212085 | 610 | false | false |
SME-0000938345 | 2024-09-26T00:00:00 | 2024-10-20T00:00:00 | BIZ-00938345 | manufacturing | Lagos | 0 | 1,000,000 | 8 | 2,815,672.84561 | 0.247865 | 18 | Union Bank | 6,093,828.802276 | 762 | true | true |
SME-0001819625 | 2024-08-26T00:00:00 | 2024-09-20T00:00:00 | BIZ-01819625 | manufacturing | Cross River | 2 | 5,787,383.714808 | 13 | 1,495,496.544762 | 0.330971 | 6 | Stanbic IBTC | 1,907,147.428701 | 494 | false | false |
SME-0001515612 | 2021-01-07T00:00:00 | 2021-01-27T00:00:00 | BIZ-01515612 | retail_trade | Lagos | 1 | 3,542,884.318959 | 11 | 1,559,085.628401 | 0.18 | 12 | United Bank for Africa (UBA) | 3,208,055.116933 | 550 | false | false |
SME-0001213347 | 2022-05-15T00:00:00 | 2022-05-29T00:00:00 | BIZ-01213347 | services | Oyo | 2 | 2,446,441.255796 | 10 | 500,000 | 0.218818 | 18 | Ecobank Nigeria | 883,844.020424 | 551 | false | false |
SME-0001168969 | 2021-05-10T00:00:00 | 2021-05-18T00:00:00 | BIZ-01168969 | agriculture | Kwara | 3 | 1,582,501.014897 | 3 | 500,000 | 0.310909 | 18 | Access Bank | 778,459.183624 | 691 | false | false |
SME-0001934713 | 2021-04-28T00:00:00 | 2021-05-09T00:00:00 | BIZ-01934713 | retail_trade | Rivers | 7 | 14,249,499.088134 | 10 | 500,000 | 0.227005 | 12 | United Bank for Africa (UBA) | 896,643.611536 | 615 | false | false |
SME-0001069107 | 2022-08-02T00:00:00 | 2022-08-20T00:00:00 | BIZ-01069107 | retail_trade | Abuja (FCT) | 3 | 1,000,000 | 4 | 4,703,376.13778 | 0.246547 | 12 | United Bank for Africa (UBA) | 9,324,019.45561 | 663 | false | false |
SME-0001099815 | 2022-12-15T00:00:00 | 2023-01-11T00:00:00 | BIZ-01099815 | technology | Lagos | 0 | 1,394,660.243716 | 8 | 907,944.7709 | 0.263786 | 12 | United Bank for Africa (UBA) | 1,316,330.862204 | 599 | false | false |
SME-0001080846 | 2023-12-13T00:00:00 | 2024-01-06T00:00:00 | BIZ-01080846 | services | Lagos | 0 | 1,147,122.994381 | 4 | 500,000 | 0.328557 | 18 | Access Bank | 906,726.656772 | 506 | false | false |
SME-0000914771 | 2022-12-12T00:00:00 | 2022-12-25T00:00:00 | BIZ-00914771 | manufacturing | Edo | 0 | 2,943,047.394663 | 6 | 1,132,323.252506 | 0.329587 | 24 | GTBank (Guaranty Trust) | 2,121,896.567223 | 698 | false | false |
SME-0000169848 | 2023-06-06T00:00:00 | 2023-06-27T00:00:00 | BIZ-00169848 | manufacturing | Akwa Ibom | 9 | 1,000,000 | 7 | 522,879.52206 | 0.27821 | 24 | First Bank of Nigeria | 750,859.201092 | 681 | false | false |
SME-0001946903 | 2024-02-06T00:00:00 | 2024-02-21T00:00:00 | BIZ-01946903 | technology | Imo | 0 | 2,854,990.401202 | 10 | 2,807,524.339463 | 0.25554 | 18 | Stanbic IBTC | 5,718,992.209938 | 593 | true | true |
SME-0000334461 | 2023-05-24T00:00:00 | 2023-06-18T00:00:00 | BIZ-00334461 | retail_trade | Edo | 16 | 4,194,895.202077 | 5 | 1,436,422.599198 | 0.332602 | 12 | Sterling Bank | 2,278,915.280154 | 480 | false | false |
SME-0000373715 | 2022-08-13T00:00:00 | 2022-08-31T00:00:00 | BIZ-00373715 | retail_trade | Enugu | 3 | 2,304,166.071034 | 6 | 5,071,593.545526 | 0.200146 | 12 | Access Bank | 10,992,196.117647 | 527 | false | false |
SME-0000214152 | 2023-02-01T00:00:00 | 2023-02-18T00:00:00 | BIZ-00214152 | manufacturing | Lagos | 0 | 2,734,182.891865 | 6 | 500,000 | 0.26701 | 12 | Zenith Bank | 1,148,097.970115 | 731 | false | false |
SME-0001847937 | 2021-11-01T00:00:00 | 2021-11-20T00:00:00 | BIZ-01847937 | retail_trade | Lagos | 1 | 1,578,023.059202 | 4 | 5,296,654.218299 | 0.269313 | 18 | Access Bank | 12,892,166.336189 | 713 | false | true |
SME-0000917280 | 2021-11-22T00:00:00 | 2021-11-30T00:00:00 | BIZ-00917280 | manufacturing | Lagos | 0 | 4,683,014.189027 | 5 | 2,552,285.407495 | 0.23931 | 18 | First Bank of Nigeria | 4,173,398.33222 | 658 | false | false |
SME-0000968054 | 2024-08-06T00:00:00 | 2024-08-19T00:00:00 | BIZ-00968054 | manufacturing | Sokoto | 0 | 4,158,411.957743 | 3 | 2,548,476.125196 | 0.213421 | 12 | Union Bank | 5,857,345.14174 | 697 | false | false |
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⚠️ Synthetic dataset — Parameterized from published SSA literature, not real observations. Not suitable for empirical analysis or policy inference.
SME (Small & Medium Enterprise) Loans
Dataset Description
Nigerian SME (Small & Medium Enterprise) loans with default labels
This is a production-grade synthetic dataset with authentic Nigerian banking context, designed for credit risk modeling, default prediction, and SME lending optimization.
Key Features
- 🇳🇬 Nigerian Context: Real bank names, states, demographics
- 📊 ML-Ready Labels: Default flags at 90-day (10%) and 180-day (15%) windows
- ⚡ Large Scale: 2,000,000 rows
- 🎯 Realistic Distributions: Lognormal principal amounts, normal interest rates, business sector distributions
- 📅 Temporal Coverage: 2021-01-01 to 2024-12-31
Dataset Structure
Splits
- Train: 1,400,000 rows (70%)
- Validation: 300,000 rows (15%)
- Test: 300,000 rows (15%)
Schema
Key columns: loan_id, application/disbursement dates, business details, sector, state, years_in_business, annual_revenue_ngn, employees, principal_ngn, interest_rate, tenor_months, lender, collateral_value, credit_score, default_90d, default_180d
Usage
from datasets import load_dataset
# Load full dataset
dataset = load_dataset("electricsheepafrica/nigerian_sme_loans")
# Load specific split
train_data = load_dataset("electricsheepafrica/nigerian_sme_loans", split="train")
Labels
- Type: Default flags at 90-day (10%) and 180-day (15%) windows
- Use Case: credit risk modeling, default prediction, and SME lending optimization
Nigerian Context
Nigerian SME sectors (retail trade, manufacturing, services, agriculture, technology), state-based business distributions, realistic collateral ratios, and credit scoring patterns.
Citation
@dataset{nigerian_banking_sme_loans,
title = {Nigerian SME (Small & Medium Enterprise) Loans},
author = {Electric Sheep Africa},
year = {2025},
publisher = {Hugging Face},
howpublished = {\url{https://huggingface.co/datasets/electricsheepafrica/nigerian_sme_loans}}
}
License
Apache 2.0 - Free for commercial and research use.
Contact
- Organization: Electric Sheep Africa
- Collection: Nigeria Banking & Finance Datasets
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