Datasets:

electricsheepafrica
/

africa-synth-trade-trade-finance-gap-all

application_id string	country string	year int64	sme_type string	sector string	export_destination string	application_type string	amount_requested_usd float64	amount_approved_usd float64	approval_status string	rejection_reason string	collateral_required int64	collateral_value_usd float64	bank_size string	interest_rate float64	processing_days int64	scenario string
TF-BEN-000000	Benin	2,020	trading	mining	North America	bank_guarantee	235,347.69	179,735.44	approved	null	1	218,492.83	small	8.21	44	baseline
TF-MAD-000001	Madagascar	2,021	export	services	Europe	trade_loan	69,644.02	0	rejected	currency_risk	0	0	medium	9.39	23	baseline
TF-GHA-000002	Ghana	2,020	export	wholesale	Intra-Africa	letter_of_credit	8,951.88	0	rejected	credit_history	1	7,377	small	8.98	35	baseline
TF-NAM-000003	Namibia	2,019	services	agriculture	Intra-Africa	bank_guarantee	91,231.89	0	rejected	weak_cash_flow	1	98,220.72	small	10.08	32	baseline
TF-ZAM-000004	Zambia	2,021	import	services	Europe	invoice_factoring	32,703.23	0	rejected	insufficient_collateral	1	29,945.92	medium	13.87	43	baseline
TF-TAN-000005	Tanzania	2,018	manufacturing	manufacturing	Europe	invoice_factoring	258,501.47	227,943.5	approved	null	0	0	small	9.99	36	baseline
TF-GUI-000006	Guinea	2,019	manufacturing	services	China	invoice_factoring	135,707.69	0	rejected	sector_restriction	0	0	small	13.91	23	baseline
TF-NIG-000007	Nigeria	2,020	export	agriculture	Europe	bank_guarantee	140,118.7	0	rejected	incomplete_documentation	1	174,516.06	small	13.23	27	baseline
TF-SIE-000008	Sierra Leone	2,021	services	textiles	Europe	trade_loan	6,742	0	rejected	weak_cash_flow	0	0	small	8.77	23	baseline
TF-MOR-000009	Morocco	2,018	services	services	Europe	invoice_factoring	67,209.3	53,458.35	approved	null	1	64,490.99	large	13.39	39	baseline
TF-MOZ-000010	Mozambique	2,019	manufacturing	wholesale	Europe	invoice_factoring	407,449.97	0	pending	null	1	526,471.51	medium	10.69	22	baseline
TF-CAM-000011	Cameroon	2,018	import	agriculture	Intra-Africa	letter_of_credit	17,500.69	0	rejected	destination_risk	1	25,127.24	small	8.37	33	baseline
TF-KEN-000012	Kenya	2,020	export	services	Middle East	bank_guarantee	122,300.23	0	pending	null	0	0	small	10.38	36	baseline
TF-SEN-000013	Senegal	2,019	manufacturing	manufacturing	China	bank_guarantee	68,043.3	0	rejected	incomplete_documentation	0	0	medium	16.58	24	baseline
TF-SIE-000014	Sierra Leone	2,021	services	manufacturing	Intra-Africa	invoice_factoring	45,386.44	0	rejected	incomplete_documentation	1	41,867.56	medium	15.35	21	baseline
TF-KEN-000015	Kenya	2,021	manufacturing	textiles	India	letter_of_credit	88,405.06	84,338.29	approved	null	0	0	large	9.89	23	baseline
TF-MAU-000016	Mauritius	2,019	services	wholesale	Other Asia	invoice_factoring	34,187.27	31,027.29	approved	null	1	32,716.83	large	8.05	19	baseline
TF-SOU-000017	South Africa	2,018	manufacturing	textiles	China	invoice_factoring	7,543.74	0	pending	null	1	7,976.75	small	15.44	36	baseline
TF-MAD-000018	Madagascar	2,020	import	textiles	Other Asia	letter_of_credit	17,830.26	0	rejected	sector_restriction	1	20,494.73	small	11.5	34	baseline
TF-COM-000019	Comoros	2,021	manufacturing	manufacturing	Other Asia	bank_guarantee	81,490.59	0	pending	null	1	96,724.07	large	17.15	26	baseline
TF-COM-000020	Comoros	2,020	services	manufacturing	Europe	letter_of_credit	11,273.7	10,245.64	approved	null	1	9,785.83	small	9.69	31	baseline
TF-MAD-000021	Madagascar	2,021	agriculture	wholesale	China	bank_guarantee	79,586.38	0	rejected	weak_cash_flow	0	0	medium	14.97	36	baseline
TF-BUR-000022	Burkina Faso	2,020	export	services	Middle East	letter_of_credit	9,567.07	0	pending	null	1	7,894.36	medium	16.87	15	baseline
TF-MAD-000023	Madagascar	2,018	agriculture	agriculture	Europe	invoice_factoring	18,185.83	0	pending	null	0	0	small	11.03	31	baseline
TF-EGY-000024	Egypt	2,021	services	textiles	Europe	invoice_factoring	6,986.51	4,976.63	approved	null	1	7,709.36	small	9.33	44	baseline
TF-MAL-000025	Mali	2,019	export	agriculture	Other Asia	trade_loan	41,500.91	34,558.04	approved	null	1	35,927.81	small	14.88	16	baseline
TF-SOM-000026	Somalia	2,018	export	mining	North America	letter_of_credit	531,380.86	0	rejected	currency_risk	1	468,279.83	medium	12.2	22	baseline
TF-TOG-000027	Togo	2,018	import	textiles	Intra-Africa	invoice_factoring	103,642	0	rejected	currency_risk	1	86,400.24	small	15.63	39	baseline
TF-EGY-000028	Egypt	2,019	services	agriculture	China	bank_guarantee	126,089.3	0	rejected	weak_cash_flow	1	152,573.46	medium	14.59	19	baseline
TF-SUD-000029	Sudan	2,020	services	agriculture	North America	letter_of_credit	22,367.17	0	rejected	other	0	0	small	13.46	43	baseline
TF-BEN-000030	Benin	2,021	export	services	Europe	bank_guarantee	5,000	0	rejected	weak_cash_flow	1	5,736.13	small	14.56	26	baseline
TF-SEN-000031	Senegal	2,019	export	services	Middle East	letter_of_credit	117,634.8	117,299.72	approved	null	1	124,741.43	small	9.77	37	baseline
TF-SIE-000032	Sierra Leone	2,020	import	mining	Europe	trade_loan	11,945.7	0	rejected	sector_restriction	0	0	medium	17.03	30	baseline
TF-SEY-000033	Seychelles	2,018	services	mining	India	invoice_factoring	32,611.97	0	rejected	destination_risk	1	28,183.03	small	17.57	35	baseline
TF-BUR-000034	Burkina Faso	2,021	services	wholesale	Europe	letter_of_credit	7,717.77	6,214.92	approved	null	1	6,946.72	medium	13.5	28	baseline
TF-NAM-000035	Namibia	2,019	export	textiles	Europe	letter_of_credit	21,737.07	0	rejected	sector_restriction	1	26,234.77	small	11.97	41	baseline
TF-NIG-000036	Nigeria	2,018	import	services	Europe	trade_loan	8,132.79	0	rejected	weak_cash_flow	0	0	large	8.84	38	baseline
TF-GHA-000037	Ghana	2,020	export	mining	Middle East	bank_guarantee	169,425.24	0	rejected	incomplete_documentation	1	249,651.61	small	9.19	18	baseline
TF-BUR-000038	Burkina Faso	2,020	manufacturing	textiles	Middle East	bank_guarantee	24,452.29	0	pending	null	1	22,406.87	small	17.93	17	baseline
TF-ZAM-000039	Zambia	2,018	manufacturing	mining	Intra-Africa	trade_loan	96,303.16	93,132.78	approved	null	1	118,847.04	large	8.45	23	baseline
TF-GUI-000040	Guinea	2,021	services	agriculture	China	invoice_factoring	5,000	0	rejected	incomplete_documentation	0	0	medium	16.14	35	baseline
TF-EGY-000041	Egypt	2,019	manufacturing	agriculture	Europe	bank_guarantee	37,938.23	0	rejected	weak_cash_flow	0	0	large	8.45	15	baseline
TF-SEN-000042	Senegal	2,018	export	agriculture	China	bank_guarantee	7,775.87	0	rejected	currency_risk	1	9,129.21	medium	8.37	19	baseline
TF-ESW-000043	Eswatini	2,018	trading	mining	North America	letter_of_credit	25,972.41	0	rejected	insufficient_collateral	0	0	large	16.5	22	baseline
TF-SOU-000044	South Africa	2,018	import	manufacturing	Intra-Africa	invoice_factoring	5,000	4,951.96	approved	null	1	6,771.36	small	16.31	24	baseline
TF-MAL-000045	Malawi	2,018	export	mining	North America	trade_loan	14,729.47	0	rejected	weak_cash_flow	1	16,294.22	small	9.36	15	baseline
TF-DJI-000046	Djibouti	2,020	services	manufacturing	Middle East	invoice_factoring	30,641.53	0	rejected	weak_cash_flow	0	0	large	14.98	38	baseline
TF-ZIM-000047	Zimbabwe	2,021	export	agriculture	North America	bank_guarantee	5,000	0	rejected	destination_risk	1	4,531.66	small	14.33	22	baseline
TF-BOT-000048	Botswana	2,019	services	services	China	trade_loan	44,429.96	35,700.58	approved	null	1	36,533.13	large	14.02	21	baseline
TF-NIG-000049	Nigeria	2,019	export	manufacturing	China	bank_guarantee	22,529.85	0	rejected	destination_risk	1	19,313.3	small	13.03	35	baseline
TF-NAM-000050	Namibia	2,019	agriculture	services	Intra-Africa	letter_of_credit	22,825.35	19,615.65	approved	null	1	19,256.36	medium	17.24	22	baseline
TF-TAN-000051	Tanzania	2,020	trading	textiles	Intra-Africa	invoice_factoring	35,364.15	0	rejected	destination_risk	1	28,788.18	small	12.47	30	baseline
TF-NAM-000052	Namibia	2,018	import	agriculture	Middle East	letter_of_credit	276,706.44	0	rejected	currency_risk	1	365,752.69	large	15.89	29	baseline
TF-ALG-000053	Algeria	2,018	agriculture	manufacturing	China	invoice_factoring	82,657.4	72,881.71	approved	null	1	72,015.07	medium	13.71	25	baseline
TF-MOR-000054	Morocco	2,019	services	textiles	Europe	bank_guarantee	28,593.92	24,225.48	approved	null	1	39,305.29	medium	17.17	15	baseline
TF-RWA-000055	Rwanda	2,019	trading	agriculture	China	invoice_factoring	85,974.66	0	pending	null	1	75,690.87	small	17.68	36	baseline
TF-ZAM-000056	Zambia	2,019	import	mining	Middle East	trade_loan	8,285.36	0	pending	null	1	10,598.64	small	11.37	19	baseline
TF-NIG-000057	Nigeria	2,021	export	manufacturing	Intra-Africa	trade_loan	23,649.52	0	rejected	currency_risk	1	25,682.5	small	14.06	38	baseline
TF-SEN-000058	Senegal	2,018	manufacturing	agriculture	Europe	trade_loan	52,520.31	39,701.23	approved	null	1	65,315.88	large	15.51	38	baseline
TF-SOU-000059	South Africa	2,019	manufacturing	mining	North America	bank_guarantee	46,440.99	36,707.58	approved	null	1	53,495.57	medium	12.39	26	baseline
TF-NAM-000060	Namibia	2,018	manufacturing	agriculture	Middle East	invoice_factoring	5,000	3,750.1	approved	null	0	0	small	11.33	36	baseline
TF-TOG-000061	Togo	2,018	trading	services	Other Asia	letter_of_credit	188,852.75	0	rejected	weak_cash_flow	0	0	small	10.48	37	baseline
TF-IVO-000062	Ivory Coast	2,020	manufacturing	textiles	Intra-Africa	trade_loan	650,695.73	0	pending	null	1	848,523.87	small	13.02	31	baseline
TF-SEY-000063	Seychelles	2,020	services	agriculture	China	letter_of_credit	5,429.18	0	rejected	destination_risk	1	6,680.41	medium	17.59	25	baseline
TF-MOZ-000064	Mozambique	2,019	import	agriculture	North America	trade_loan	5,923.68	0	rejected	weak_cash_flow	0	0	medium	17.19	38	baseline
TF-ETH-000065	Ethiopia	2,020	import	wholesale	Intra-Africa	invoice_factoring	29,938.94	0	rejected	currency_risk	1	41,502.67	medium	17.11	18	baseline
TF-SOM-000066	Somalia	2,018	export	manufacturing	Intra-Africa	bank_guarantee	79,092.22	0	rejected	incomplete_documentation	1	75,708.92	medium	17.2	25	baseline
TF-ZIM-000067	Zimbabwe	2,021	manufacturing	services	Middle East	invoice_factoring	5,000	0	rejected	sector_restriction	1	7,414.39	small	15.8	23	baseline
TF-SUD-000068	Sudan	2,018	import	textiles	Europe	letter_of_credit	5,000	0	rejected	other	1	6,187.42	small	11.97	27	baseline
TF-TOG-000069	Togo	2,018	trading	agriculture	China	trade_loan	5,000	0	rejected	incomplete_documentation	1	4,636.75	small	13.24	28	baseline
TF-SOU-000070	South Sudan	2,018	trading	agriculture	China	bank_guarantee	137,765.06	0	pending	null	1	187,352.38	medium	10.54	20	baseline
TF-MAU-000071	Mauritius	2,020	services	agriculture	Intra-Africa	invoice_factoring	5,000	0	rejected	currency_risk	1	5,026.02	medium	16.56	39	baseline
TF-TUN-000072	Tunisia	2,021	agriculture	manufacturing	Europe	trade_loan	36,151.68	28,948.81	approved	null	0	0	small	15.04	42	baseline
TF-MAL-000073	Malawi	2,020	services	services	North America	bank_guarantee	81,227.96	0	rejected	currency_risk	0	0	medium	11.63	40	baseline
TF-IVO-000074	Ivory Coast	2,018	import	wholesale	India	invoice_factoring	671,801.44	0	rejected	currency_risk	1	735,752.06	small	15.42	35	baseline
TF-BEN-000075	Benin	2,019	export	agriculture	China	trade_loan	5,000	0	rejected	insufficient_collateral	1	5,741.13	medium	13.3	39	baseline
TF-MAL-000076	Malawi	2,021	export	agriculture	Europe	trade_loan	32,339.5	0	rejected	insufficient_collateral	1	34,544.95	large	14.01	34	baseline
TF-KEN-000077	Kenya	2,019	services	textiles	Intra-Africa	trade_loan	96,185.75	79,945.56	approved	null	0	0	small	15.71	17	baseline
TF-SOU-000078	South Sudan	2,020	trading	textiles	Middle East	trade_loan	20,440.78	0	pending	null	1	23,454.9	large	10.7	31	baseline
TF-DJI-000079	Djibouti	2,018	manufacturing	agriculture	Middle East	letter_of_credit	5,000	0	rejected	insufficient_collateral	1	6,866.86	small	15.28	29	baseline
TF-TOG-000080	Togo	2,018	import	agriculture	Europe	letter_of_credit	19,699.53	18,117.01	approved	null	0	0	small	9.85	31	baseline
TF-LES-000081	Lesotho	2,020	import	textiles	Other Asia	bank_guarantee	55,882.59	39,778.79	approved	null	1	80,899.76	small	10.21	44	baseline
TF-MAL-000082	Mali	2,020	export	textiles	India	bank_guarantee	6,445.28	5,952.34	approved	null	1	7,209.69	small	9.15	27	baseline
TF-SOU-000083	South Sudan	2,020	manufacturing	textiles	North America	trade_loan	55,468.09	0	rejected	destination_risk	1	66,600.5	medium	12.81	41	baseline
TF-SOU-000084	South Africa	2,021	export	textiles	China	bank_guarantee	100,228.26	70,166.93	approved	null	1	107,121.43	medium	12.18	28	baseline
TF-COM-000085	Comoros	2,021	trading	textiles	China	bank_guarantee	16,409.38	0	pending	null	0	0	small	8.38	29	baseline
TF-TOG-000086	Togo	2,019	manufacturing	services	Intra-Africa	bank_guarantee	5,000	0	pending	null	1	7,457.03	small	16.53	36	baseline
TF-RWA-000087	Rwanda	2,018	manufacturing	manufacturing	Intra-Africa	invoice_factoring	14,050.2	0	rejected	other	0	0	large	15.98	22	baseline
TF-SEN-000088	Senegal	2,021	import	mining	Other Asia	trade_loan	126,836.53	0	rejected	insufficient_collateral	1	170,685.08	large	13.13	21	baseline
TF-EGY-000089	Egypt	2,019	export	textiles	Other Asia	letter_of_credit	250,612.41	0	rejected	weak_cash_flow	1	375,275.8	medium	13.97	30	baseline
TF-SIE-000090	Sierra Leone	2,020	trading	textiles	North America	letter_of_credit	224,416.24	0	pending	null	1	186,504.18	medium	8.91	41	baseline
TF-CAM-000091	Cameroon	2,019	agriculture	manufacturing	China	letter_of_credit	325,727.53	0	pending	null	1	271,705.13	medium	8.87	27	baseline
TF-MOR-000092	Morocco	2,019	export	services	Europe	invoice_factoring	21,490.49	17,285.72	approved	null	1	25,702.89	small	12.81	32	baseline
TF-MAU-000093	Mauritius	2,018	import	wholesale	India	invoice_factoring	130,952.5	119,067.44	approved	null	1	161,468.09	large	16.67	36	baseline
TF-TAN-000094	Tanzania	2,019	export	wholesale	Other Asia	letter_of_credit	17,142.62	0	pending	null	1	22,793.6	small	11.35	37	baseline
TF-SOU-000095	South Sudan	2,021	agriculture	mining	North America	letter_of_credit	27,448.6	0	rejected	incomplete_documentation	1	27,403.04	medium	9.16	26	baseline
TF-IVO-000096	Ivory Coast	2,020	manufacturing	agriculture	China	invoice_factoring	69,957.12	52,461.78	approved	null	0	0	small	9.74	38	baseline
TF-IVO-000097	Ivory Coast	2,018	import	manufacturing	Europe	invoice_factoring	60,788.47	56,222.99	approved	null	1	80,896.34	small	16.72	44	baseline
TF-BEN-000098	Benin	2,020	trading	manufacturing	China	trade_loan	18,592.48	15,954.34	approved	null	0	0	medium	17.44	18	baseline
TF-SIE-000099	Sierra Leone	2,020	agriculture	textiles	Europe	trade_loan	5,000	0	rejected	destination_risk	1	6,234.84	small	17.51	19	baseline

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

African Trade Finance Gap

Synthetic trade finance gap dataset covering African SME export applications, LC issuance, rejection rates, and collateral requirements. Designed for financial inclusion research, trade finance market analysis, and DFI intervention modeling.

Variables

Variable	Type	Description
application_id	string	Unique application identifier
country	string	Applicant country
year	int	Application year
sme_type	string	SME category
sector	string	Business sector
export_destination	string	Destination region
application_type	string	Type of finance
amount_requested_usd	float	Amount requested
amount_approved_usd	float	Amount approved
approval_status	string	approved, rejected, pending
rejection_reason	string	Reason if rejected
collateral_required	int	Binary: collateral needed
collateral_value_usd	float	Collateral value
bank_size	string	small, medium, large
interest_rate	float	Interest rate %
processing_days	int	Days to process
scenario	string	baseline, increased_access, digital_transformation

Scenarios

baseline (4K): Limited access, high rejection, 2018-2021
increased_access (4K): DFI programs, guarantee schemes, 2022-2024
digital_transformation (2K): Digital trade finance platforms, 2025-2026

Generation Methodology

Parameters calibrated against IFC Trade Finance in West Africa 2022, WTO trade finance surveys, Afreximbank trade finance data.

Use Cases

Trade finance gap analysis
SME financing research
DFI intervention impact modeling
Risk assessment model development

Citation

@dataset{african_trade_finance_gap_2026,
  title={African Trade Finance Gap Dataset},
  author={ElectricSheepAfrica},
  year={2026},
  license={cc-by-4.0}
}

License

CC BY 4.0 - This is synthetic data generated for research and educational purposes.

Downloads last month: 67

10,000

synthetic trade finance records

40 countries

: Major African trading nations

3 scenarios

: baseline, increased_access, digital_transformation