Microbusiness Loan Approval Records

This dataset provides detailed records of microbusiness loan applications, approvals, and repayments, including business demographics, financial metrics, and loan terms. It is ideal for analyzing financial inclusion, SME funding strategies, and the impact of lending on microbusiness growth and sustainability.

  • last updated 5 Sept 2025
  • by GoMask
The brief that made it

Financial inclusion analysis for underserved microbusinesses

Sample rows

preview · 8 of 200 rows · all 28 columns
loan_application_idstringapproval_statusstringinterest_rate_percentfloatbusiness_address_countrystringbusiness_idstringbusiness_namestringbusiness_owner_namestringbusiness_owner_national_idstringbusiness_typestringbusiness_registration_datedatebusiness_address_streetstringbusiness_address_citystringbusiness_address_statestringbusiness_address_postal_codestringapplication_datedateloan_amount_requestedfloatloan_amount_approvedfloatloan_purposestringloan_term_monthsintegerapproval_datedatedisbursement_datedaterepayment_statusstringrepayment_completion_datedatenumber_of_employeesintegerannual_revenuefloatsectorstringgender_of_ownerstringage_of_ownerinteger
LA00001approved9.5IndiaB001Metro Retail HubPriya SharmaIN4982736Aretail2019-03-1212 MG RoadDelhiDelhi1100012024-02-03250000210000working capital182024-02-12blankin progressblank6750000retailfemale32
LA00002disbursed13.1PakistanB002Green Agro SolutionsTariq MehmoodPKA902137agriculture2014-07-2144 Canal RoadLahorePunjab540002024-01-20320000300000equipment purchase362024-01-282024-02-05in progressblank81200000agriculturemale47
LA00003approved6.2IndiaB003Urban Techies LLPShreya DasINB812345services2022-05-17101 Residency RoadBangaloreKarnataka5600252024-01-109000090000expansion122024-01-18blankin progressblank4150000servicesfemale28
LA00004disbursed13.9PakistanB004Sunrise TextilesMohammad JavedPKT736484manufacturing2011-11-02202 Textile StreetKarachiSindh755002024-02-07690000620000equipment purchase482024-02-152024-02-22in progressblank195300000manufacturingmale54
LA00005approved10.7NigeriaB005Village HarvestersGrace NwankwoNGV811234agriculture2018-09-137 Main Village RdBenin CityEdo3000012024-01-1511000085000working capital242024-01-22blankin progressblank395000agriculturefemale36
LA00006approved8.8BrazilB006Smart Solutions IncJulia MoraisBRJ431982services2017-02-0982 Paulista AveSao PauloSP010352023-12-16180000180000expansion182023-12-25blankin progressblank8320000servicesfemale34
LA00007rejected17.5KenyaB007EcoFarm OrganicsSamuel OchiengKEN003849agriculture2021-04-0517 Riverbank RdNairobiNairobi001002024-01-30300000working capital12blankblanknot startedblank20agriculturemale25
LA00008approved5.7UKB008Lakeside GrocersHelen WhiteGBH372821retail2020-06-18300 Oxford StLondonLondonW1D2LT2024-02-116000060000inventory122024-02-20blanknot startedblank7320000retailfemale30

What the 200 rows show

from the 200-row sample

Rejected (approval status) stands out: mean interest_rate_percent is 57.3, against 9.3 for the rest.

  • 8.9median interest_rate_percent
  • 3repayment statuses
  • 4gender of owners
  • 5business types
  • 5loan purposes
  • 5sectors
Mean interest_rate_percent by approval_status200 rows
0501008.5approv…127 rows2.2pending4 rows57.3reject…18 rows11.3disbur…34 rows12.6closed17 rows
interest_rate_percent200 rows, in bands of 10
0651301226900000009050100interest_rate_percent →

Median 8.9, from 0.0 to 100.0.

business_address_country200 rows · top 10 of 30 values
  1. India40
  2. Pakistan23
  3. Nigeria20
  4. South Africa18
  5. Spain14
  6. China12
  7. UK11
  8. Kenya10
  9. Singapore9
  10. Mexico8
28 columns by typefrom the column list below
  • string 16
  • integer 3
  • float 4
  • date 5

Columns

28 columns in three groups
blueprint · 28 columns
columntypedescriptionexample
Text 16 columns
loan_application_idstringUnique identifier for each loan application recorduniqueLA00001
business_idstringUnique identifier for the microbusiness applying for the loanB001
business_namestringRegistered name of the microbusinessMetro Retail Hub
business_owner_namestringFull name of the primary business ownerPriya Sharma
business_owner_national_idstringGovernment-issued identification number of the business ownerIN4982736A
business_typestringType of microbusiness (e.g., retail, services, manufacturing)retail · services · manufacturing · agriculture · otherretail
business_address_streetstringStreet address of the microbusiness12 MG Road
business_address_citystringCity where the microbusiness is locatedDelhi
business_address_statestringState or province where the microbusiness is locatedDelhi
business_address_postal_codestringPostal code for the microbusiness address110001
business_address_countrystringCountry where the microbusiness is registeredIndia
loan_purposestringPurpose for which the loan is being requested (e.g., working capital, equipment purchase)5 valuesworking capital
approval_statusstringCurrent status of the loan applicationapproved · pending · rejected · disbursed · closedapproved
repayment_statusstringCurrent status of loan repaymentnot started · in progress · completed · defaultedin progress
sectorstringEconomic sector in which the microbusiness operatesagriculture · manufacturing · services · retail · other · optionalretail
gender_of_ownerstringGender of the primary business ownermale · female · non-binary · prefer not to say · optionalfemale
Numbers 7 columns
loan_amount_requestedfloatAmount of money requested in the loan application0 or more250000
loan_amount_approvedfloatAmount of money approved for the loan (may be less than requested)0 or more · optional210000
loan_term_monthsintegerDuration of the loan in months1 or more18
interest_rate_percentfloatAnnual interest rate applied to the loan (percentage)0 to 1009.5
number_of_employeesintegerNumber of employees working at the microbusiness at the time of application1 or more · optional6
annual_revenuefloatReported annual revenue of the microbusiness (in local currency)0 or more · optional750000
age_of_ownerintegerAge of the primary business owner at the time of application18 or more · optional32
Dates and times 5 columns
business_registration_datedateDate the microbusiness was officially registeredoptional2019-03-12
application_datedateDate the loan application was submitted2024-02-03
approval_datedateDate the loan application was approved (if applicable)optional2024-02-12
disbursement_datedateDate the approved loan amount was disbursed to the microbusinessoptional2024-02-05
repayment_completion_datedateDate when the loan was fully repaid (if applicable)optional2025-03-02

Use it for

  • median interes…8.9200 rowsmean interest rate pe…8.5appr…2.2pend…57.3reje…11.3disb…

    A finance dashboard

    Interest_rate_percent by approval_status and a breakdown of business_address_country. Excel, Power BI or Tableau.

  • Why do the 18 rejected rows have a mean interest_rate_percent of 57.3?

    A root-cause class exercise

    Hand out the rows and one question. The answer is in the data, not in the brief.

  • A software demo

    Believable loan applications with business_id, business_name and business_owner_name to fill a screen in front of a buyer.

Not quite right?

Make it yours.

Same 28 columns, your size and your rules. See 20 rows before you pay.

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This dataset200 rows28 columns
Yours1,000 rows28 columnsbusiness_address_street: UK only

blueprint · microbusiness-loan-approval-records

Behind this dataset

Same schema. As many rows as you need.

These 200 rows came out of a blueprint — 28 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with
  • Include application date
  • Flag approval status
  • Record loan amount
  • Segment by business type
Rows
Open the blueprint in Data Factory

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Exports
CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence
yours to use, including commercially
API slug
microbusiness-loan-approval-records

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