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Datasets:
electricsheepafrica
/
nigerian-banking-sme-loans

Tasks:
Tabular Classification
Modalities:
Tabular
Text
Formats:
parquet
Languages:
English
Size:
1M - 10M
Tags:
nigeria
banking
finance
fraud-detection
Synthetic
african-data
Libraries:
Datasets
pandas
License:
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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
End of preview. Expand in Data Studio

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

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Size of downloaded dataset files:
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Size of the auto-converted Parquet files:
105 MB
Number of rows:
2,000,000

Collection including electricsheepafrica/nigerian-banking-sme-loans