The Senegal Map of Financial Inclusion visualizes several financial service providers at the region level within Senegal. Specifically, the map contains layers mapping commercial banks, mobile agents points of service, Post Offices, and microfinance institutions. There are also several demographic background layers that provide greater context surrounding the financial inclusion landscape. The following sections explain the data substantiating each layer, what each layer represents and any important assumptions made on the part of MIX while cleaning and preparing these data for mapping.
The first FSP layer contains data on the commercial banks within Senegal. The data are sourced from the Central Bank of West African States (BCEAO)’s list of commercial bank branches.
Mobile Money data was obtained by visiting Orange Money and Yoban Tel websites. Yoban Tel operations include CMS (Microfinance Institution) and SGBS Société Générale des Banques du Sénégal. (Commercial Bank) branch locations where Yoban Tel clients have access to cash-in/cash-out operations.
According to the 2011 MFI Directory list from Direction de la Réglémentation et de la Supervision des Systèmes Financiers Décentralisés, there are a total of 241 MFIs in Senegal. MIX has mapped 60 MFIs at the branch location. The three main MFIs, which are CMS, PAMECAS, and ACEP, cover approximately 70% of gross loan portfolio of the MFI market in Senegal. * 70 percent of gross loan portfoliois covered by the 3 main MFIs - CMS, ACEP, PAMECAS (points of services data shared by each MFI) * 20 percent of gross loan portfolio approximately is covered by MicroCred, CAURIE and UIMCEC. (We only have points of service information on MicroCred shared by this institution) * 10 percent of gross loan portfolio is covered by numerous small MFIs (including list of MFIs members of the Centre de Traitement Informatisé du Sénégal (CTISN) data processing center, list shared by this institution)
Postbanks data for Senegal was obtained from Postefinances’s site.
The population density contextual layer is sourced from the Afripop site. Each pixel of this heat map represents an estimation the number of people per 100 square meters based on both the the latest Senegal Census data used by Afripop and satellite image interpretation, according to Afripop’s methodology.
These layers are sourced from the National Agency for Demographics and Statistics and Open Data for Africa. Open Data for Africa datasets wer used for the Urban and Rural population breakdown and the Poverty, Literacy, and Gini Index layers. Note that a higher Gini Index indicates a more unequal distribution of wealth, therefore lower scores are favorable for income equality.
Infrastructure Data was gathered from Infrastructure Africa. Main roads, power transmission lines, and power plants are included on this map and are available for many Sub-Saharan African countries from the Infrastructure Africa website.
All of financial service provider dots are scaled based on the 25th, 50th, 75th, 90th, and 99th percentiles This guarantees a view into the relative extremes of each dataset, rather than employing an absolute scale. The background data, the blue and green regions on the map, also rely upon the 25, 50, 75, 90, and 99 percentile scheme (with an additional category, No Data, indicating regions for which no contextual data was available.
The map files representing national, provincial and district are sourced from Global Administrative Areas (GADM), an international database of geographic files (shapefiles) covering every country in the world. The data are maintained by contributors working at the International Rice Research Institute and the University of California, Berkeley’s Museum of Vertebrate Biology. The shapefiles are drawn primarily from the Centers for Disease Control and the UN Geographic Information Working Group’s “Second Administrative Level Boundaries” project. Due to changing boundaries in the past several years in Senegal, our shapefile is up-to-date whereas the Senegal shapefile offered on the GADM site excludes three present-day regions.
We altered the boundaries of the GADM shapefile of four regions - Matam, Kaffrine, Kedougou, and Sedhiou - to reflect present-day boundaries as the GADM file was from 2008 and contained outdated boundaries.