Datasets:

electricsheepafrica
/

africa-synth-financial-inclusion-credit-access-patterns-africa-all

country string	year int64	urban_rural string	gender string	age int64	age_group string	income_quintile string	education string	employment_status string	monthly_income_usd float64	income_stability int64	credit_history string	has_bank_account int64	credit_score int64	credit_need int64	preferred_credit_source string	loan_amount_requested_usd float64	collateral_available string	loan_purpose string	approved int64	loan_disbursed_usd float64	interest_rate float64	loan_term_months int64	monthly_payment_usd float64	repayment_status string	rejection_reason string	scenario string
Uganda	2,020	rural	female	65	55+	middle	none	self_employed	143.25	6	none	0	0	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Mali	2,024	urban	female	44	35-44	fourth	secondary	employed_informal	129.63	8	good	0	260	1	informal_lender	9,743.53	none	business	0	0	0	0	0	not_applicable	no_collateral	low_burden
Rwanda	2,018	rural	male	49	45-54	fourth	tertiary	employed_informal	166.68	6	good	0	561	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Malawi	2,021	urban	male	36	35-44	lowest	primary	employed_formal	87.63	10	none	1	130	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Malawi	2,024	rural	female	64	55+	lowest	tertiary	farmer	64.67	1	none	1	268	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
DRC	2,025	urban	female	21	18-24	fourth	secondary	self_employed	825.77	4	limited	0	241	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Uganda	2,020	rural	female	32	25-34	highest	tertiary	farmer	1,169.03	7	limited	1	525	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Niger	2,023	urban	female	69	55+	highest	primary	unemployed	335.5	1	none	1	120	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Ghana	2,019	urban	female	43	35-44	highest	none	self_employed	1,290.22	6	excellent	1	382	1	commercial_bank	5,307.51	savings	agriculture	0	0	0	0	0	not_applicable	insufficient_income	low_burden
Uganda	2,018	rural	female	27	25-34	middle	none	unemployed	333.05	1	good	1	850	1	microfinance	4,925.17	guarantor	agriculture	1	4,350.51	0.361	24	246.79	late_60_days	not_applicable	low_burden
Zambia	2,020	urban	female	39	35-44	highest	secondary	self_employed	1,154.66	5	excellent	0	532	1	informal_lender	28,604.99	none	business	0	0	0	0	0	not_applicable	no_collateral	low_burden
South Africa	2,025	urban	female	31	25-34	second	tertiary	self_employed	257.24	7	none	0	489	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Mali	2,023	rural	female	45	35-44	fourth	primary	self_employed	85.25	10	none	1	0	1	informal_lender	1,542.95	vehicle	education	0	0	0	0	0	not_applicable	insufficient_income	low_burden
Mali	2,021	urban	male	30	25-34	highest	none	employed_informal	495.3	1	none	1	94	1	commercial_bank	8,899.72	none	agriculture	0	0	0	0	0	not_applicable	insufficient_income	low_burden
Niger	2,020	rural	male	38	35-44	fourth	none	employed_informal	857.95	6	none	1	570	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Mali	2,019	rural	male	65	55+	second	secondary	self_employed	99.74	6	none	0	203	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Zambia	2,020	urban	female	22	18-24	second	tertiary	employed_formal	857.9	4	none	0	155	1	family_friends	4,867.25	guarantor	business	0	0	0	0	0	not_applicable	no_credit_history	low_burden
Uganda	2,019	rural	female	57	55+	second	primary	employed_informal	49.57	7	limited	0	146	1	family_friends	3,056.36	none	agriculture	0	0	0	0	0	not_applicable	employment_status	low_burden
DRC	2,019	urban	male	22	18-24	second	secondary	farmer	540.75	1	none	0	126	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Malawi	2,023	rural	female	41	35-44	fourth	secondary	self_employed	215.04	7	none	1	99	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Zambia	2,019	urban	male	52	45-54	fourth	tertiary	employed_formal	899.67	6	limited	1	678	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Ethiopia	2,018	urban	male	67	55+	lowest	secondary	employed_formal	73.08	5	limited	0	799	1	informal_lender	11,355.41	equipment	housing	1	9,681.79	0.78	36	478.81	current	not_applicable	low_burden
Nigeria	2,022	urban	female	31	25-34	fourth	primary	unemployed	533.41	1	good	1	109	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Mozambique	2,020	rural	male	20	18-24	second	secondary	unemployed	184.05	1	limited	1	116	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Mali	2,021	rural	male	57	55+	middle	secondary	self_employed	130.19	3	none	1	433	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Rwanda	2,019	rural	female	64	55+	second	tertiary	employed_informal	212.53	5	limited	0	748	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Malawi	2,019	rural	male	47	45-54	middle	secondary	self_employed	166.04	9	limited	0	269	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
DRC	2,021	rural	female	21	18-24	fourth	none	employed_informal	373.51	9	none	0	616	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Senegal	2,023	rural	female	44	35-44	fourth	secondary	farmer	51.76	8	none	1	0	1	sacco	3,927.94	property	agriculture	1	3,734.89	0.309	6	815.08	late_30_days	not_applicable	low_burden
Malawi	2,021	rural	female	38	35-44	fourth	secondary	self_employed	260.39	5	good	0	712	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Malawi	2,022	rural	female	41	35-44	second	primary	farmer	293.77	2	none	0	702	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Ghana	2,022	urban	male	20	18-24	fourth	tertiary	self_employed	799.98	5	none	0	322	1	commercial_bank	7,943.11	none	agriculture	0	0	0	0	0	not_applicable	insufficient_income	low_burden
Uganda	2,020	rural	female	34	25-34	lowest	primary	farmer	112.04	1	none	0	397	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Senegal	2,020	rural	male	69	55+	middle	tertiary	self_employed	207.61	2	good	0	299	1	family_friends	2,392.54	guarantor	emergency	1	2,086.47	0.087	12	189.08	paid_off	not_applicable	low_burden
Mozambique	2,021	urban	male	20	18-24	middle	primary	self_employed	964.6	4	limited	0	668	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Kenya	2,018	urban	female	65	55+	fourth	none	self_employed	601.98	7	excellent	1	850	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
DRC	2,023	urban	male	44	35-44	highest	secondary	self_employed	624.06	8	good	1	850	1	informal_lender	5,910.55	none	housing	1	5,264.67	0.777	24	389.72	current	not_applicable	low_burden
DRC	2,022	rural	female	48	45-54	second	secondary	unemployed	220.72	3	good	0	789	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Tanzania	2,020	urban	male	66	55+	fourth	tertiary	self_employed	938.36	3	none	0	0	1	commercial_bank	5,505.34	none	housing	0	0	0	0	0	not_applicable	insufficient_income	low_burden
Rwanda	2,020	rural	female	29	25-34	second	secondary	unemployed	188.49	4	none	0	347	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Nigeria	2,020	rural	male	69	55+	middle	none	self_employed	150.85	10	good	0	513	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Mali	2,023	rural	male	32	25-34	fourth	tertiary	employed_informal	401.56	7	excellent	1	190	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Niger	2,024	urban	female	36	35-44	fourth	secondary	employed_informal	1,304.59	8	good	0	761	1	family_friends	3,692.43	guarantor	business	1	3,589.61	0.093	18	217.89	late_30_days	not_applicable	low_burden
Ethiopia	2,018	rural	male	41	35-44	highest	primary	employed_formal	927.6	10	excellent	1	414	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Uganda	2,021	rural	female	49	45-54	fourth	tertiary	farmer	117.2	8	limited	1	361	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
South Africa	2,018	urban	male	34	25-34	second	none	employed_formal	116.53	10	limited	0	47	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Malawi	2,021	urban	female	59	55+	highest	none	employed_informal	617.47	3	limited	0	771	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Mozambique	2,019	urban	female	19	18-24	highest	secondary	employed_informal	584.23	4	limited	0	253	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Niger	2,020	urban	female	52	45-54	second	secondary	farmer	41.28	2	none	1	339	1	commercial_bank	623.28	none	consumption	0	0	0	0	0	not_applicable	insufficient_income	low_burden
Mali	2,021	rural	female	52	45-54	lowest	secondary	unemployed	226.27	1	none	0	332	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Mali	2,020	rural	male	45	35-44	second	tertiary	farmer	65.69	6	none	0	0	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Nigeria	2,021	rural	female	49	45-54	fourth	primary	employed_informal	187.83	10	none	0	626	1	family_friends	2,471.73	savings	business	1	2,051.38	0.014	12	173.36	paid_off	not_applicable	low_burden
Ethiopia	2,024	rural	female	56	55+	highest	tertiary	self_employed	170.57	3	none	1	5	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Zambia	2,024	rural	female	65	55+	fourth	none	employed_informal	604.75	8	limited	1	555	1	sacco	6,363.08	savings	business	1	5,810.33	0.295	12	627.13	late_30_days	not_applicable	low_burden
Zambia	2,018	rural	female	29	25-34	second	none	unemployed	113.83	1	limited	0	146	1	digital_lender	6,526.22	none	agriculture	0	0	0	0	0	not_applicable	existing_debt	low_burden
Kenya	2,021	rural	female	42	35-44	lowest	primary	employed_formal	47.12	10	limited	1	511	1	family_friends	1,511.97	savings	emergency	0	0	0	0	0	not_applicable	no_credit_history	low_burden
Senegal	2,024	urban	female	47	45-54	middle	none	unemployed	242.19	2	limited	0	192	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Nigeria	2,022	rural	male	35	25-34	second	primary	farmer	183.05	5	none	1	536	1	sacco	4,517.29	guarantor	business	0	0	0	0	0	not_applicable	no_collateral	low_burden
Mali	2,019	urban	female	68	55+	lowest	tertiary	farmer	64.22	4	none	0	379	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Niger	2,022	rural	female	44	35-44	lowest	secondary	farmer	14.97	10	limited	0	544	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Mozambique	2,019	rural	female	48	45-54	lowest	secondary	employed_informal	24.39	5	none	0	740	1	commercial_bank	656.98	none	agriculture	0	0	0	0	0	not_applicable	insufficient_income	low_burden
Mali	2,018	rural	male	28	25-34	lowest	none	employed_informal	23.52	2	limited	0	377	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Ethiopia	2,023	urban	female	39	35-44	fourth	tertiary	self_employed	596.48	6	good	1	725	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
South Africa	2,022	rural	female	50	45-54	second	primary	employed_informal	232.6	6	none	1	593	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Malawi	2,024	urban	female	40	35-44	second	secondary	farmer	504.91	8	good	0	356	1	family_friends	3,732.79	savings	business	0	0	0	0	0	not_applicable	employment_status	low_burden
Tanzania	2,020	rural	male	58	55+	middle	secondary	self_employed	63.68	5	none	0	163	1	microfinance	610.33	savings	business	1	500.95	0.274	12	53.17	paid_off	not_applicable	low_burden
Mozambique	2,024	urban	male	25	18-24	highest	none	unemployed	1,529.21	1	limited	0	700	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Ethiopia	2,021	rural	male	25	18-24	fourth	secondary	unemployed	214.38	1	good	1	850	1	family_friends	16,383.85	property	agriculture	1	16,311.29	0.009	18	914.66	current	not_applicable	low_burden
Uganda	2,023	rural	male	35	25-34	middle	tertiary	employed_informal	1,548.03	10	limited	1	12	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Zambia	2,018	urban	female	34	25-34	fourth	primary	employed_informal	1,295.7	2	limited	0	98	1	microfinance	9,901.43	savings	business	1	8,538.7	0.296	12	921.83	current	not_applicable	low_burden
Mali	2,018	urban	male	60	55+	fourth	secondary	self_employed	1,619.13	4	limited	0	143	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Nigeria	2,024	rural	female	63	55+	fourth	tertiary	employed_formal	578.26	5	none	1	442	1	microfinance	7,038.54	savings	emergency	1	6,912.17	0.336	12	769.28	late_60_days	not_applicable	low_burden
Malawi	2,024	urban	male	42	35-44	middle	primary	farmer	389.8	3	limited	0	357	1	informal_lender	7,502.72	property	business	1	6,552.89	0.77	12	966.6	current	not_applicable	low_burden
Uganda	2,025	urban	male	44	35-44	middle	primary	farmer	225.09	1	limited	1	425	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Niger	2,020	urban	female	33	25-34	second	primary	farmer	118.96	4	none	1	169	1	sacco	15,504.54	none	education	0	0	0	0	0	not_applicable	no_credit_history	low_burden
Zambia	2,018	urban	female	45	35-44	second	secondary	self_employed	103.36	10	none	0	262	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Tanzania	2,025	rural	male	54	45-54	second	primary	farmer	186.91	3	excellent	0	809	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Ghana	2,022	rural	male	55	45-54	second	primary	self_employed	361.62	10	none	1	265	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Senegal	2,019	urban	female	68	55+	second	primary	unemployed	140.97	3	good	0	414	1	informal_lender	2,795.29	none	business	0	0	0	0	0	not_applicable	no_credit_history	low_burden
Niger	2,024	rural	female	48	45-54	middle	tertiary	farmer	120.62	9	none	0	0	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
South Africa	2,025	urban	male	35	25-34	middle	tertiary	farmer	105.62	7	none	0	221	1	informal_lender	1,796.97	equipment	business	1	1,741.69	0.844	12	267.63	current	not_applicable	low_burden
Malawi	2,020	urban	female	21	18-24	lowest	secondary	employed_informal	106.66	10	limited	0	639	1	family_friends	10,789.09	none	agriculture	0	0	0	0	0	not_applicable	no_credit_history	low_burden
Nigeria	2,024	rural	male	53	45-54	second	tertiary	farmer	286.81	6	limited	0	116	1	microfinance	2,300.75	guarantor	agriculture	0	0	0	0	0	not_applicable	no_collateral	low_burden
DRC	2,024	urban	female	59	55+	second	secondary	employed_informal	443.12	9	limited	1	299	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Rwanda	2,022	rural	male	46	45-54	fourth	tertiary	self_employed	865.43	1	none	0	142	1	family_friends	16,305.15	vehicle	business	1	15,537.52	0.035	12	1,339.94	current	not_applicable	low_burden
Niger	2,023	rural	female	65	55+	second	none	self_employed	162.24	10	limited	1	405	1	commercial_bank	3,671.72	property	business	1	3,108.15	0.182	12	306.12	late_60_days	not_applicable	low_burden
Uganda	2,020	rural	female	34	25-34	lowest	primary	employed_informal	64.16	1	limited	1	698	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Tanzania	2,025	rural	male	20	18-24	lowest	tertiary	employed_formal	147.81	5	none	1	621	1	informal_lender	4,796.64	none	business	0	0	0	0	0	not_applicable	no_credit_history	low_burden
Mali	2,025	urban	male	50	45-54	middle	primary	employed_informal	137.18	8	limited	1	326	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
DRC	2,025	urban	male	24	18-24	lowest	primary	farmer	66	3	none	0	391	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Malawi	2,023	urban	male	22	18-24	middle	secondary	farmer	988.23	1	none	0	595	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
DRC	2,018	rural	male	54	45-54	middle	secondary	unemployed	94.26	5	none	1	624	1	digital_lender	1,306.67	property	consumption	1	1,214.4	0.466	18	98.94	defaulted	not_applicable	low_burden
DRC	2,020	rural	male	40	35-44	highest	primary	farmer	648.2	6	none	0	512	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Ethiopia	2,021	urban	female	49	45-54	middle	primary	self_employed	464.17	5	good	0	196	1	family_friends	27,659.22	none	emergency	1	23,418.19	0.014	48	494.53	late_30_days	not_applicable	low_burden
Mozambique	2,025	urban	male	56	55+	lowest	primary	farmer	95.22	4	excellent	1	470	1	commercial_bank	2,469.9	none	business	0	0	0	0	0	not_applicable	insufficient_income	low_burden
Tanzania	2,022	urban	female	37	35-44	second	none	self_employed	404.6	8	none	0	139	1	family_friends	3,626.23	none	business	0	0	0	0	0	not_applicable	no_collateral	low_burden
Ghana	2,022	rural	male	49	45-54	fourth	primary	employed_informal	959.38	4	none	1	478	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Niger	2,019	rural	female	46	45-54	second	secondary	unemployed	169.71	2	excellent	1	343	0	none	0	none	none	0	0	0	0	0	not_applicable	null	low_burden
Rwanda	2,024	rural	male	48	45-54	highest	secondary	unemployed	1,757	1	none	0	29	1	family_friends	13,799.71	none	agriculture	0	0	0	0	0	not_applicable	documentation_issues	low_burden
Nigeria	2,020	rural	female	54	45-54	middle	primary	employed_formal	104.4	7	none	0	654	1	employer	2,187.99	vehicle	housing	1	1,758.7	0.069	12	156.64	paid_off	not_applicable	low_burden

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⚠️ Synthetic dataset — Parameterized from published SSA literature, not real observations. Not suitable for empirical analysis or policy inference.

Credit Access Patterns in Africa

Synthetic dataset modeling credit access, approval, and repayment patterns across 15 Sub-Saharan African countries from 2018-2025.

Dataset Description

This dataset simulates individual-level credit seeking behavior, application outcomes, and repayment patterns. It captures the spectrum of formal and informal credit sources, from commercial banks to family loans, and the barriers faced by those seeking credit.

Key Statistics

Metric	Value
Total Records	15,000
Countries	15
Time Period	2018-2025
Credit Need Rate	~40%
Formal Credit Access	~15%
Approval Rate (formal)	~45%
Approval Rate (informal)	~75%
Avg Loan Amount	$500-2,000 USD
Interest Rate Range	5-120% APR

Coverage by Scenario

low_burden: 4,000 records
moderate_burden: 5,000 records
high_burden: 6,000 records

Column Descriptions

Column	Type	Description
country	string	One of 15 SSA countries
year	int	Year (2018-2025)
urban_rural	string	Urban or rural location
gender	string	Male or female
age	int	Age in years (18-70)
age_group	string	Age bracket
income_quintile	string	Income group (lowest to highest)
education	string	Education level
employment_status	string	Employment category
monthly_income_usd	float	Monthly income in USD
income_stability	int	Income stability score (1-10)
credit_history	string	Credit history quality
has_bank_account	int	Has bank account (0/1)
credit_score	int	Credit score (0-850)
credit_need	int	Needs credit (0/1)
preferred_credit_source	string	Preferred lender type
loan_amount_requested_usd	float	Requested loan amount
collateral_available	string	Collateral type
loan_purpose	string	Purpose of loan
approved	int	Loan approved (0/1)
loan_disbursed_usd	float	Disbursed loan amount
interest_rate	float	Annual interest rate
loan_term_months	int	Loan term in months
monthly_payment_usd	float	Monthly payment
repayment_status	string	Current repayment status
rejection_reason	string	Reason for rejection
scenario	string	Burden scenario label

Usage Example

import pandas as pd

# Load the combined dataset
df = pd.read_csv("credit_access_combined.csv")

# Analyze credit sources
sources = df[df['credit_need'] == 1]['preferred_credit_source'].value_counts()

# Predict loan approval
from sklearn.ensemble import RandomForestClassifier
from sklearn.model_selection import train_test_split

seekers = df[df['credit_need'] == 1].copy()
features = ['age', 'credit_score', 'income_stability', 'has_bank_account', 'collateral_available']
X = pd.get_dummies(seekers[features], drop_first=True)
y = seekers['approved']

X_train, X_test, y_train, y_test = train_test_split(X, y, test_size=0.2)
model = RandomForestClassifier().fit(X_train, y_train)
print(f"Accuracy: {model.score(X_test, y_test):.2f}")

Research Sources

World Bank Global Findex Database 2025
IMF Financial Access Survey 2024
FSD Kenya credit market research 2024
CGAP credit reporting research

Citation

@dataset{credit_access_africa_2025,
  title={Credit Access Patterns in Africa},
  year={2025},
  note={Synthetic dataset based on World Bank Findex and IMF data}
}

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