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About us

Oman Credit and Financial Information Centre (Mala’a) was established by Royal Decree 38/2019 issued on 8th May 2019 as a financially and administratively  independent entity under the supervision of the Central Bank of Oman with financial and administrative independence.

Mala’a enables access to credit through its primary products: Mala’a Credit Report, and Mala’a Credit Score for individuals and corporates.

Mala’a membership spans across several sectors including the banking and financial sector, SME Funds, and Telecom. Mala’a is also connected to several government entities as data providers, to position Mala’a as a national databank.

The establishment of the Centre comes as an important pillar of the Central Bank of Oman’s Strategy: to establish a cross-sectored National Databank that empowers Oman to transform into a knowledge-based nation.

Our Vision

To empower Oman and its people by providing credit and financial information towards building a prosperous nation and positioning Oman on the global map

 

Our Values

Integrity

Credibility in dealing with data and clients.

Diligence

A full-fledge team to achieve Mala’a’s vision.

Dynamic

Constant evolution and development.

Our Principles

Information Security

Information security is core to Mala’a. Cutting edge security technologies are deployed to ensure the highest level of data security. Mala’a adopts the highest standards for data, systems and network security.

Consumer Protection

Mala’a is governed by the Central Bank of Oman, ensuring the confidentially and security of consumer data as stipulated by the Omani Banking Law and the Bylaw of Royal decree 38/2019.

May 26, 2025

Mala’a Launches Employment Information Service (Huwiya Ratebi) to Enhance Lending Processes and Risk Assessment

In line with Oman’s vision for digital transformation, Mala’a is proud to announce the launch of its new Employment Information Service (Huwiya Ratebi), offering unparalleled value and exclusivity. As a separate addendum to the membership agreement, the innovative service is designed to empower financial institutions with accurate, real-time employment data to accelerate lending processes, reduce […]

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May 26, 2025

Oman Credit and Financial Information Center (Mala’a) is a partner in the launch of digital platforms for Remote Trading in the Omani capital market

As part of a national initiative to simplify and promote investment in the Omani capital market, and in collaboration with the Financial Services Authority (FSA), Muscat Stock Exchange (MSX), and Istidamah Program, Mala’a is proud to support the launch of four new Remote Trading Platforms for licensed brokerage firms. These platforms, owned by Ubhar Capital, […]

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February 19, 2025

Mashreq signs a membership Agreement with Mala’a

Mashreq, a leading financial institution in the MENA region, has officially entered into a membership agreement with Oman Credit and Financial Information Centre (Mala’a), under the foreign banks category. This agreement grants Mashreq access to a comprehensive database of credit and financial information, which will aid in making well-informed credit decisions, conducting financial capability assessments […]

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