SME credit scoring in Niger
In Niger, an SME’s health often hinges on the rainy season. SCORE360 tracks those swings continuously and warns your teams before risk turns into loss.
- CapitalNiamey
- Central bankBCEAO
- Data protectionHAPDP
The SME landscape in Niger
Niamey is the capital and main economic centre. The BCEAO runs the main branch of its National Directorate for Niger there, on Rue de l’Uranium, with auxiliary branches in Maradi and Zinder.
Source: BCEAO, offices and contacts
The World Bank states that rain-fed agriculture accounts for around 40% of Niger’s GDP. It also cites a risk-sharing facility set up with a local bank to expand MSME lending. When activity depends so heavily on the weather, ongoing monitoring matters as much as the initial rating.
Source: World Bank, Niger overview
Monitor the portfolio, not just the application
With the RISK module, every borrower stays under watch after disbursement. The score updates, alerts flag deterioration and explanatory factors show where to look. Your relationship managers can act early: rescheduling, support or a limit adjustment.
Dynamic, explainable score
A 300 to 850 score that updates with the business’s activity and comes with its explanatory factors.
Federated Learning
The model trains inside your institution. Only encrypted parameters are aggregated: no raw data leaves.
PI-SPI flows via partners
SME payment flows come through our partner fintechs and payment aggregators.
e-SIGNAL digital signals
Online presence and e-commerce activity enrich the score when history is thin.
RISK monitoring
Continuous portfolio tracking and early alerts on borrowers under stress.
Governance
TLS 1.3, role-based access, audit logs and human review. The decision stays yours.
Getting started with SCORE360
- 01
Scoping
Together we review your SME credit policy, the data you hold and your local obligations.
- 02
Integration
CONNECT links SCORE360 to your systems through a documented REST API. The model trains on your side through Federated Learning.
- 03
Monitoring
RISK watches the portfolio continuously and alerts your teams. Every decision is still validated by your analysts.
Compliance in Niger: HAPDP, Law No. 2022-59 and BCEAO
Niger governs personal data through Law No. 2022-59 of 16 December 2022, since amended. It is enforced by the Haute autorité de protection des données à caractère personnel (HAPDP).
Source: HAPDP Niger
SCORE360 protects exchanges with TLS 1.3, enforces role-based access and keeps audit logs. Your institution collects consent. The BCEAO-licensed credit bureau, Creditinfo-VoLo, also covers Niger and remains your source of credit history.
Which institutions in Niger it serves
Banks, MFIs and SFDs, lending fintechs: SCORE360 helps you lend to SMEs in Niger with a view of risk that is updated continuously.
FAQ
Which authority oversees personal data in Niger?
The Haute autorité de protection des données à caractère personnel (HAPDP), under Law No. 2022-59 as amended. Your institution remains the data controller and collects customer consent.
What happens after the loan is granted?
The RISK module keeps tracking the borrower. The score updates and an alert warns you when a stress signal appears, together with the factors that explain it.
How is the platform secured?
Exchanges are encrypted with TLS 1.3, access is role-based (RBAC) and every action is recorded in audit logs. With Federated Learning, no raw data leaves your institution.