Datasets:

electricsheepafrica
/

nigerian-banking-micro-loans

loan_id stringlengths 16 16	disbursement_date timestamp[ns]date 2022-01-01 00:00:00 2024-12-30 00:00:00	maturity_date timestamp[ns]date 2022-01-08 00:00:00 2025-01-29 00:00:00	borrower_id stringlengths 12 12	loan_purpose stringclasses 5 values	borrower_state stringclasses 37 values	principal_ngn float64 5k 100k	interest_rate_daily float64 0.01 0.02	tenor_days int64 7 30	lender stringclasses 7 values	repayment_frequency stringclasses 4 values	employment_type stringclasses 4 values	previous_loans_count int64 0 14	credit_score int64 300 800	default_30d bool 2 classes	default_90d bool 2 classes
MICRO-0000637777	2022-04-06T00:00:00	2022-04-18T00:00:00	BOR-00131081	bills	Katsina	24,723.819781	0.016837	12	Branch	monthly	self_employed	1	597	false	false
MICRO-0001438460	2024-02-16T00:00:00	2024-03-02T00:00:00	BOR-00194925	emergency	Adamawa	12,744.479096	0.011385	15	LapoMFB	weekly	informal	0	558	false	false
MICRO-0001232832	2024-08-18T00:00:00	2024-09-01T00:00:00	BOR-00434323	emergency	Abuja (FCT)	8,950.785939	0.012728	14	LapoMFB	daily	informal	0	507	true	true
MICRO-0001110736	2022-02-10T00:00:00	2022-02-17T00:00:00	BOR-00418326	business	Abuja (FCT)	20,348.749385	0.008169	7	Branch	daily	self_employed	3	629	false	false
MICRO-0001355413	2022-01-19T00:00:00	2022-02-15T00:00:00	BOR-00696182	emergency	Rivers	32,340.11948	0.013651	27	FairMoney	daily	informal	2	454	true	true
MICRO-0000374121	2022-05-12T00:00:00	2022-05-19T00:00:00	BOR-00374791	airtime	Imo	15,576.141215	0.008765	7	Branch	weekly	self_employed	2	513	false	false
MICRO-0001629872	2023-08-28T00:00:00	2023-09-10T00:00:00	BOR-00964510	emergency	Imo	6,055.202752	0.007232	13	LAPO	daily	informal	1	641	false	false
MICRO-0001086321	2023-02-23T00:00:00	2023-03-04T00:00:00	BOR-00795545	bills	Rivers	10,311.613853	0.008578	9	FairMoney	weekly	informal	3	517	false	false
MICRO-0000672598	2024-07-21T00:00:00	2024-07-28T00:00:00	BOR-00996909	business	Lagos	19,796.542683	0.00821	7	FairMoney	bi-weekly	informal	4	663	false	false
MICRO-0000176779	2023-08-02T00:00:00	2023-08-09T00:00:00	BOR-00549853	airtime	Rivers	22,221.64258	0.012172	7	Renmoney	weekly	self_employed	5	642	false	false
MICRO-0001418802	2022-04-03T00:00:00	2022-04-23T00:00:00	BOR-00827037	emergency	Lagos	9,029.954428	0.010007	20	Branch	daily	salaried	1	488	false	false
MICRO-0001227477	2023-04-03T00:00:00	2023-04-19T00:00:00	BOR-00813763	bills	Ogun	37,395.420474	0.007547	16	LapoMFB	daily	salaried	0	565	false	false
MICRO-0001741221	2024-09-19T00:00:00	2024-10-04T00:00:00	BOR-00116313	emergency	Katsina	22,550.688581	0.009003	15	Renmoney	daily	informal	1	645	false	false
MICRO-0000015875	2024-07-22T00:00:00	2024-07-30T00:00:00	BOR-00412716	emergency	Edo	37,834.888681	0.005172	8	Carbon	daily	salaried	2	469	false	false
MICRO-0000329380	2023-07-03T00:00:00	2023-07-21T00:00:00	BOR-00052866	business	Akwa Ibom	22,568.70531	0.011671	18	LapoMFB	bi-weekly	informal	1	568	false	false
MICRO-0001903350	2024-12-19T00:00:00	2024-12-29T00:00:00	BOR-00083048	bills	Lagos	29,024.297108	0.010958	10	Renmoney	daily	informal	2	600	false	false
MICRO-0000965038	2023-08-22T00:00:00	2023-09-05T00:00:00	BOR-00803896	emergency	Lagos	7,274.40247	0.010626	14	ACCION MFB	daily	informal	2	585	false	false
MICRO-0000435666	2024-06-28T00:00:00	2024-07-10T00:00:00	BOR-00714496	business	Abuja (FCT)	5,583.518334	0.00866	12	LapoMFB	bi-weekly	self_employed	2	426	false	false
MICRO-0000804101	2024-07-16T00:00:00	2024-08-01T00:00:00	BOR-00276945	airtime	Lagos	21,946.191431	0.01029	16	Carbon	daily	informal	2	494	false	false
MICRO-0001493551	2022-09-22T00:00:00	2022-09-30T00:00:00	BOR-00243940	airtime	Ogun	8,613.767963	0.009612	8	Carbon	daily	self_employed	2	592	false	false
MICRO-0000502375	2022-12-16T00:00:00	2022-12-23T00:00:00	BOR-00879189	other	Ogun	6,123.616357	0.00845	7	Branch	weekly	informal	3	539	false	true
MICRO-0001771295	2022-09-03T00:00:00	2022-09-10T00:00:00	BOR-00393435	bills	Delta	12,050.210784	0.010675	7	LapoMFB	daily	informal	3	488	false	false
MICRO-0001023006	2024-03-23T00:00:00	2024-04-18T00:00:00	BOR-00382772	airtime	Abuja (FCT)	63,318.794551	0.011019	26	Renmoney	daily	informal	2	650	false	false
MICRO-0001162900	2022-12-25T00:00:00	2023-01-07T00:00:00	BOR-00704559	emergency	Abuja (FCT)	16,357.712513	0.006981	13	LapoMFB	monthly	informal	2	574	false	false
MICRO-0000647282	2024-12-17T00:00:00	2025-01-03T00:00:00	BOR-00044269	emergency	Kaduna	27,158.390454	0.006358	17	Renmoney	weekly	informal	2	386	false	false
MICRO-0001863809	2022-06-24T00:00:00	2022-07-08T00:00:00	BOR-00618953	emergency	Abuja (FCT)	47,306.099098	0.00884	14	FairMoney	daily	salaried	4	481	false	false
MICRO-0001182241	2022-10-10T00:00:00	2022-10-31T00:00:00	BOR-00258482	business	Edo	10,746.721974	0.010765	21	LapoMFB	bi-weekly	salaried	1	504	true	true
MICRO-0001081698	2023-08-21T00:00:00	2023-08-28T00:00:00	BOR-00616129	airtime	Lagos	19,719.288345	0.012034	7	Carbon	weekly	salaried	5	584	false	false
MICRO-0001092787	2023-07-10T00:00:00	2023-08-01T00:00:00	BOR-00603845	business	Benue	20,159.892558	0.012151	22	Renmoney	weekly	salaried	1	386	false	false
MICRO-0001697455	2024-01-19T00:00:00	2024-02-12T00:00:00	BOR-00671230	emergency	Kaduna	29,727.631544	0.013585	24	FairMoney	bi-weekly	salaried	1	638	false	false
MICRO-0000034127	2024-10-10T00:00:00	2024-10-20T00:00:00	BOR-00209131	business	Kaduna	47,693.602452	0.010241	10	ACCION MFB	daily	salaried	1	516	false	false
MICRO-0000177932	2024-02-02T00:00:00	2024-02-16T00:00:00	BOR-00002077	airtime	Lagos	7,879.558478	0.011635	14	Carbon	monthly	self_employed	0	657	false	false
MICRO-0001005383	2024-04-15T00:00:00	2024-05-01T00:00:00	BOR-00152449	business	Kano	19,602.387827	0.005714	16	Renmoney	weekly	self_employed	3	645	false	false
MICRO-0001048031	2022-12-20T00:00:00	2022-12-27T00:00:00	BOR-00203908	bills	Lagos	79,135.276789	0.005	7	Carbon	daily	informal	2	497	true	true
MICRO-0001025340	2024-03-02T00:00:00	2024-03-20T00:00:00	BOR-00529014	business	Rivers	24,460.679178	0.013037	18	FairMoney	daily	self_employed	4	626	false	false
MICRO-0000676503	2024-11-19T00:00:00	2024-11-30T00:00:00	BOR-00797580	business	Abuja (FCT)	7,944.614312	0.006739	11	FairMoney	monthly	informal	0	442	false	false
MICRO-0000139331	2024-05-10T00:00:00	2024-05-23T00:00:00	BOR-00741076	emergency	Enugu	36,660.786975	0.011687	13	Branch	monthly	self_employed	2	612	false	false
MICRO-0000368550	2023-10-25T00:00:00	2023-11-01T00:00:00	BOR-00930631	emergency	Abuja (FCT)	13,535.976406	0.007405	7	Carbon	weekly	informal	3	513	false	false
MICRO-0001980443	2024-05-23T00:00:00	2024-06-11T00:00:00	BOR-00360235	emergency	Kano	16,876.721754	0.009171	19	Carbon	bi-weekly	self_employed	0	544	true	true
MICRO-0001849829	2022-04-28T00:00:00	2022-05-18T00:00:00	BOR-00316487	business	Lagos	7,501.603583	0.008274	20	Renmoney	weekly	salaried	0	476	true	true
MICRO-0000190705	2023-07-05T00:00:00	2023-07-17T00:00:00	BOR-00989703	business	Katsina	8,413.660291	0.005	12	Renmoney	weekly	salaried	0	640	false	false
MICRO-0001742890	2022-06-27T00:00:00	2022-07-06T00:00:00	BOR-00408100	airtime	Rivers	24,826.666337	0.005	9	Carbon	weekly	informal	2	544	false	false
MICRO-0001471557	2023-01-02T00:00:00	2023-01-16T00:00:00	BOR-00655597	business	Abuja (FCT)	11,994.971143	0.007213	14	LapoMFB	daily	self_employed	3	627	false	false
MICRO-0000243212	2023-03-13T00:00:00	2023-03-27T00:00:00	BOR-00438269	business	Lagos	16,160.765394	0.008676	14	Branch	weekly	self_employed	0	609	false	false
MICRO-0001619848	2022-12-07T00:00:00	2023-01-02T00:00:00	BOR-00152625	business	Ogun	22,490.061963	0.00933	26	Renmoney	bi-weekly	salaried	2	484	false	false
MICRO-0001221938	2023-08-24T00:00:00	2023-09-05T00:00:00	BOR-00695851	airtime	Lagos	21,239.373517	0.016277	12	FairMoney	weekly	informal	0	343	false	true
MICRO-0000093806	2024-12-22T00:00:00	2024-12-29T00:00:00	BOR-00781114	business	Lagos	22,345.94266	0.0094	7	Branch	monthly	informal	2	570	false	false
MICRO-0000300322	2024-07-18T00:00:00	2024-08-09T00:00:00	BOR-00050027	business	Ogun	32,743.295016	0.005	22	LapoMFB	daily	informal	3	576	false	false
MICRO-0001646171	2023-08-15T00:00:00	2023-08-31T00:00:00	BOR-00230685	emergency	Delta	16,800.905235	0.013529	16	FairMoney	bi-weekly	salaried	2	470	false	false
MICRO-0000165445	2023-05-19T00:00:00	2023-06-06T00:00:00	BOR-00776606	airtime	Abia	24,736.06036	0.013199	18	LAPO	daily	self_employed	2	652	false	false
MICRO-0000174031	2023-07-07T00:00:00	2023-07-19T00:00:00	BOR-00619231	emergency	Jigawa	30,659.01104	0.007309	12	Renmoney	weekly	informal	3	597	false	false
MICRO-0000537551	2023-09-26T00:00:00	2023-10-06T00:00:00	BOR-00259614	bills	Lagos	12,298.420311	0.010505	10	LAPO	weekly	salaried	2	604	false	false
MICRO-0001912740	2023-06-11T00:00:00	2023-06-28T00:00:00	BOR-00799659	business	Kaduna	28,072.34779	0.008314	17	LAPO	daily	informal	1	618	false	false
MICRO-0000148147	2023-04-26T00:00:00	2023-05-05T00:00:00	BOR-00133951	business	Katsina	7,538.04089	0.006543	9	Renmoney	weekly	informal	2	500	false	true
MICRO-0001054310	2023-12-03T00:00:00	2023-12-18T00:00:00	BOR-00803833	emergency	Oyo	23,838.513954	0.013043	15	Branch	daily	self_employed	0	607	false	false
MICRO-0000841912	2023-12-31T00:00:00	2024-01-07T00:00:00	BOR-00714287	business	Abia	11,039.284856	0.011379	7	Renmoney	bi-weekly	informal	2	715	false	false
MICRO-0001982032	2024-06-13T00:00:00	2024-07-05T00:00:00	BOR-00234576	emergency	Abuja (FCT)	12,534.641887	0.01246	22	Branch	daily	informal	2	489	false	true
MICRO-0001899195	2024-08-26T00:00:00	2024-09-21T00:00:00	BOR-00370195	other	Kano	18,177.611582	0.012131	26	LAPO	weekly	unemployed	3	484	true	true
MICRO-0001547471	2022-04-17T00:00:00	2022-04-24T00:00:00	BOR-00039946	emergency	Lagos	25,682.075158	0.01734	7	Renmoney	bi-weekly	informal	3	512	true	true
MICRO-0001771312	2022-01-19T00:00:00	2022-02-14T00:00:00	BOR-00526642	airtime	Kano	5,000	0.007996	26	Branch	weekly	informal	2	612	false	false
MICRO-0001977393	2023-04-14T00:00:00	2023-04-28T00:00:00	BOR-00706439	emergency	Lagos	18,960.616135	0.008859	14	ACCION MFB	daily	unemployed	2	607	false	false
MICRO-0000737243	2022-06-07T00:00:00	2022-06-23T00:00:00	BOR-00729302	emergency	Lagos	39,811.743685	0.009297	16	LapoMFB	daily	informal	0	454	true	true
MICRO-0000012043	2022-02-15T00:00:00	2022-03-04T00:00:00	BOR-00219506	business	Enugu	43,958.270539	0.012162	17	LapoMFB	daily	salaried	2	409	false	false
MICRO-0001080012	2022-11-14T00:00:00	2022-11-21T00:00:00	BOR-00851108	business	Imo	30,475.351895	0.013578	7	LapoMFB	daily	unemployed	2	651	true	true
MICRO-0001211423	2024-10-08T00:00:00	2024-10-27T00:00:00	BOR-00409042	emergency	Lagos	6,809.910135	0.012948	19	Renmoney	daily	self_employed	2	571	false	false
MICRO-0001669506	2023-03-12T00:00:00	2023-03-28T00:00:00	BOR-00533797	airtime	Kano	15,367.818052	0.005	16	FairMoney	daily	informal	0	542	false	false
MICRO-0001456694	2022-05-19T00:00:00	2022-05-30T00:00:00	BOR-00414967	airtime	Lagos	32,409.72379	0.009948	11	LapoMFB	daily	salaried	3	525	false	false
MICRO-0000217550	2022-01-10T00:00:00	2022-01-23T00:00:00	BOR-00486097	emergency	Edo	7,017.291945	0.010989	13	ACCION MFB	daily	salaried	1	452	false	false
MICRO-0001808682	2022-02-10T00:00:00	2022-03-01T00:00:00	BOR-00216354	bills	Rivers	21,662.485997	0.012208	19	Renmoney	daily	self_employed	5	630	false	false
MICRO-0001924896	2024-11-10T00:00:00	2024-11-25T00:00:00	BOR-00779635	business	Imo	7,965.677583	0.013361	15	LAPO	weekly	salaried	0	496	false	false
MICRO-0000709056	2024-08-31T00:00:00	2024-09-11T00:00:00	BOR-00745806	emergency	Abuja (FCT)	11,118.787241	0.013545	11	Branch	bi-weekly	salaried	0	513	true	true
MICRO-0001941196	2022-09-12T00:00:00	2022-09-25T00:00:00	BOR-00921088	bills	Abuja (FCT)	23,101.888904	0.008653	13	LAPO	daily	informal	1	483	false	false
MICRO-0000171185	2023-05-21T00:00:00	2023-06-11T00:00:00	BOR-00879437	business	Rivers	35,335.642071	0.005	21	Renmoney	daily	salaried	1	624	false	false
MICRO-0000250015	2022-12-06T00:00:00	2022-12-21T00:00:00	BOR-00599523	emergency	Anambra	5,000	0.005	15	LAPO	bi-weekly	salaried	5	588	false	false
MICRO-0000741941	2023-04-28T00:00:00	2023-05-14T00:00:00	BOR-00320921	airtime	Osun	23,135.159312	0.007856	16	Branch	bi-weekly	informal	1	575	false	false
MICRO-0000284770	2023-09-06T00:00:00	2023-09-25T00:00:00	BOR-00644589	emergency	Akwa Ibom	20,268.655899	0.008678	19	Carbon	weekly	salaried	3	624	false	false
MICRO-0000292126	2024-02-21T00:00:00	2024-03-12T00:00:00	BOR-00954270	airtime	Oyo	11,183.830554	0.016486	20	ACCION MFB	daily	self_employed	4	565	false	false
MICRO-0001504523	2024-08-21T00:00:00	2024-09-01T00:00:00	BOR-00020401	airtime	Lagos	18,423.730857	0.010463	11	Branch	bi-weekly	informal	3	636	false	false
MICRO-0001822865	2023-08-04T00:00:00	2023-08-21T00:00:00	BOR-00595137	airtime	Kano	8,887.311488	0.005	17	Branch	weekly	informal	4	506	false	false
MICRO-0001243485	2022-12-31T00:00:00	2023-01-21T00:00:00	BOR-00543890	business	Imo	14,648.781154	0.011984	21	ACCION MFB	daily	unemployed	1	657	true	true
MICRO-0000141560	2023-05-08T00:00:00	2023-05-19T00:00:00	BOR-00001391	airtime	Abuja (FCT)	35,977.234563	0.009352	11	FairMoney	daily	informal	0	498	true	true
MICRO-0001699374	2023-05-21T00:00:00	2023-06-15T00:00:00	BOR-00699595	airtime	Lagos	6,166.591582	0.005	25	ACCION MFB	weekly	informal	2	582	false	false
MICRO-0001910355	2024-03-31T00:00:00	2024-04-11T00:00:00	BOR-00892328	business	Abuja (FCT)	40,501.592918	0.009965	11	LapoMFB	daily	unemployed	4	412	true	true
MICRO-0000746572	2024-08-19T00:00:00	2024-08-29T00:00:00	BOR-00586490	emergency	Kaduna	20,282.01533	0.013286	10	Carbon	daily	informal	3	555	false	false
MICRO-0001132555	2023-05-21T00:00:00	2023-06-10T00:00:00	BOR-00897538	airtime	Ogun	19,143.447244	0.00642	20	Carbon	daily	salaried	4	510	false	false
MICRO-0000484645	2022-10-30T00:00:00	2022-11-06T00:00:00	BOR-00580627	airtime	Ekiti	24,921.743804	0.010141	7	LapoMFB	weekly	salaried	2	601	false	false
MICRO-0000625142	2023-12-09T00:00:00	2023-12-30T00:00:00	BOR-00739345	emergency	Plateau	38,427.798807	0.007902	21	LAPO	bi-weekly	salaried	2	562	false	false
MICRO-0001923468	2023-12-06T00:00:00	2023-12-18T00:00:00	BOR-00809874	airtime	Ogun	13,019.781927	0.0142	12	Carbon	weekly	self_employed	1	630	false	false
MICRO-0001108749	2024-12-03T00:00:00	2024-12-10T00:00:00	BOR-00688042	airtime	Akwa Ibom	29,471.977543	0.009234	7	Carbon	weekly	self_employed	1	484	false	false
MICRO-0000881291	2024-07-16T00:00:00	2024-07-28T00:00:00	BOR-00300496	bills	Abuja (FCT)	20,236.745298	0.010507	12	LapoMFB	daily	salaried	2	547	false	false
MICRO-0001935834	2024-02-23T00:00:00	2024-03-12T00:00:00	BOR-00861547	business	Katsina	19,594.586518	0.01132	18	FairMoney	daily	salaried	2	604	false	false
MICRO-0000382207	2023-07-24T00:00:00	2023-07-31T00:00:00	BOR-00181531	business	Kano	25,507.821684	0.01237	7	Carbon	weekly	self_employed	2	530	false	false
MICRO-0001206460	2022-04-09T00:00:00	2022-05-03T00:00:00	BOR-00234958	business	Edo	25,119.621493	0.011357	24	Branch	daily	informal	3	687	false	false
MICRO-0001990530	2024-01-05T00:00:00	2024-01-12T00:00:00	BOR-00184453	business	Lagos	10,642.029834	0.008019	7	LapoMFB	daily	self_employed	0	398	true	true
MICRO-0001744972	2023-01-25T00:00:00	2023-02-10T00:00:00	BOR-00815573	airtime	Akwa Ibom	16,460.864686	0.014623	16	LAPO	monthly	informal	1	558	false	false
MICRO-0000521276	2024-04-09T00:00:00	2024-05-03T00:00:00	BOR-00132803	bills	Akwa Ibom	25,968.692462	0.010821	24	Renmoney	weekly	informal	2	460	false	true
MICRO-0001836581	2024-08-18T00:00:00	2024-09-05T00:00:00	BOR-00233967	airtime	Kwara	33,175.346247	0.008686	18	LapoMFB	weekly	informal	3	624	false	false
MICRO-0001129880	2023-05-19T00:00:00	2023-05-26T00:00:00	BOR-00796872	airtime	Osun	12,950.017634	0.009951	7	LapoMFB	monthly	self_employed	1	515	true	true
MICRO-0001899333	2024-08-26T00:00:00	2024-09-06T00:00:00	BOR-00292252	emergency	Oyo	23,415.892718	0.010276	11	Branch	daily	self_employed	2	541	false	false
MICRO-0001548034	2022-07-18T00:00:00	2022-08-09T00:00:00	BOR-00980219	airtime	Abia	19,964.480456	0.010491	22	ACCION MFB	weekly	self_employed	2	505	false	true

End of preview. Expand in Data Studio

Micro Loans (₦5k-₦100k)

Dataset Description

Nigerian micro loans with default labels (₦5k-₦100k range)

This is a production-grade synthetic dataset with authentic Nigerian banking context, designed for micro-lending risk assessment, payday loan optimization, and financial inclusion analytics.

Key Features

🇳🇬 Nigerian Context: Real bank names, states, demographics
📊 ML-Ready Labels: Default flags at 30-day (15%) and 90-day (22%) windows
⚡ Large Scale: 2,000,000 rows
🎯 Realistic Distributions: Small lognormal amounts, high daily interest rates, short tenors
📅 Temporal Coverage: 2022-01-01 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, disbursement/maturity dates, borrower_id, loan_purpose, state, principal_ngn, interest_rate_daily, tenor_days, lender, repayment_frequency, employment_type, previous_loans_count, credit_score, default_30d, default_90d

Usage

from datasets import load_dataset

# Load full dataset
dataset = load_dataset("electricsheepafrica/nigerian_micro_loans")

# Load specific split
train_data = load_dataset("electricsheepafrica/nigerian_micro_loans", split="train")

Labels

Type: Default flags at 30-day (15%) and 90-day (22%) windows
Use Case: micro-lending risk assessment, payday loan optimization, and financial inclusion analytics

Nigerian Context

Nigerian micro-lenders (Carbon, FairMoney, Branch, LAPO MFB), typical use cases (airtime, emergency, bills), daily repayment schedules, and informal employment patterns.

Citation

@dataset{nigerian_banking_micro_loans,
  title = {Nigerian Micro Loans (₦5k-₦100k)},
  author = {Electric Sheep Africa},
  year = {2025},
  publisher = {Hugging Face},
  howpublished = {\url{https://huggingface.co/datasets/electricsheepafrica/nigerian_micro_loans}}
}

License

Apache 2.0 - Free for commercial and research use.

Contact

Organization: Electric Sheep Africa
Collection: Nigeria Banking & Finance Datasets

Downloads last month: 20

Size of downloaded dataset files:

76.6 MB

Size of the auto-converted Parquet files:

76.6 MB

Number of rows:

2,000,000

Collection including electricsheepafrica/nigerian-banking-micro-loans

Nigerian Banking

Collection

20 Nigerian banking datasets for ML research, fraud detection, and financial analytics. • 20 items • Updated Oct 20, 2025 • 1