wanjiku166/kenya-loans-portfolio-analysis

Interactive Power BI analysis of a Kenya loan portfolio, focusing on credit risk, defaults, portfolio performance, customer insights and branch performance. # Kenya Loans Portfolio Analytics ## 📊 Project Overview An interactive Power BI analytics project developed to analyze a Kenya loan portfolio and generate insights into portfolio performance, credit risk, customer characteristics, branch performance, and loan products. The project demonstrates an end-to-end data analytics workflow, covering data preparation and transformation, DAX-based KPI development, dashboard development, analysis, evaluation, and business recommendations. --- ## 🎯 Business Objective The objective of this project was to transform loan portfolio data into an interactive analytical solution that supports data-driven lending and credit-risk decisions. The analysis focuses on: - Portfolio size and outstanding exposure - Loan defaults and credit risk - Customer characteristics - Branch and county performance - Loan product performance - Credit-score analysis - Repayment channels - Interest-rate and loan-term analysis --- ## 🗂️ Dataset The project uses a **10,000-record Kenya loan portfolio dataset** containing customer, financial, credit, branch, product, and repayment information. The raw Excel dataset is not included in this repository. ### Key Data Areas - Customer demographics - Income - Credit score - Loan amount - Outstanding balance - Loan product - Interest rate - Loan term - Loan status - Default status - Branch and county - Repayment channel - Disbursement date --- ## 🧹 Data Preparation The data was prepared and transformed using **Power Query within Power BI**. Key preparation activities included: - Data cleaning and transformation - Data type validation - Creation of analytical categories - Preparation of date fields - Creation of age groups - Creation of income bands - Creation of credit-score bands - Creation of interest-rate bands - Creation of loan-term categories - Preparation of fields for branch, county, product, and repayment analysis --- ## 📐 DAX & KPI Development DAX measures were developed to support portf …