Without the collateral that traditional banking systems frequently demand, access to loans is difficult in the most African nations.
Better to avoid loans anyway. People can easily get into huge debts. I am not from Africa, but this is personal family experience. In my country (in Hungary) people can easily get a loan three times bigger as their income.
My brother have huge debt. Around 600 000 Hungarian Forint (HUF), which is currently $1555.37 USD, because $1 USD is currently 385.76 Hungarian Forint (HUF). If everything will go right, then he will pay this debt in two years.
And this is only one example. I heard about people, who take loan after loan.