tapiwanashe-shamu/imf-financial-inclusion-analysis

This is an end-to-end Data Analysis Project of financial inclusion in Banks and the mobile money industry across Southern Africa. By analysing public IMF data, it highlights key trends in banking, mobile money, gender inclusion, infrastructure access and SME lending, offering insights into regional access to finance. Built with: SQL & Power BI # Financial Inclusion Analysis of Banks and Mobile Money in Southern Africa (2025) ## EXECUTIVE SUMMARY The **International Monetary Fund (IMF) Financial Access Survey (FAS)** is a global dataset that tracks **access and usage of financial services**. Since its launch in 2009, it has collected supply-side data from financial service providers, producing key indicators that guide policy decisions, business strategies, and international benchmarking for financial inclusion. This project relies on SQL analysis to explore **financial access trends in Southern Africa from 2020–2024**, analyzing how it evolved across **14 countries** on a dataset containing 195k records. This was prepared independently for 2 weeks to clean and analyse data in SQL, with dashboards built using Power BI to visualise trends related to the selected regions and periods. The objective is to **identify key shifts, disparities, and opportunities - as well as provide actionable recommendations** for financial executives, policymakers, and development stakeholders, focusing on investment strategies in Southern Africa. ### Project Themes & Metrics The analysis focuses on **five key areas**: | Focus Area | Questions | Key Metrics | |-------------|--------------|--------------| | **1. Market Expansion** | Which sectors are most dominant between Traditional Banking vs Mobile Money? How much of the changes can be explained by population growth per country? | - 5Y Compound Annual Growth Rate - R-squared model (regression analysis) | | **2. Gender Parity** | Has financial inclusion improved or worsened for female Depositors & Borrowers? | - Gender Parity Index (GPI) - Average Annual Parity Improvement - Projected Years to Parity | | **3. Banking Infrastructure Efficiency** | Which markets achieved higher financial inclusion with fewer touchpoints? | - Depositors per 100,000 adults - Total infrastructure per 100,000 adults (ATMs, branches, agents) - Efficiency Ratio (Depositors per Infrastructure …