About us

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

Mala’a enables access to credit through Information Services, Credit Rating, Creditworthiness and solvency insights for individuals and corporates.

The Center’s Membership spans across several sectors including Banking, Finance, Small and Medium Enterprise Funds, Telecommunication, and Insurance. In addition, Mala’a collaborates with several Government registries as Data Providers to establish a centralized database of credit and financial information.

Royal Decree in English Royal Decree in Arabic

The establishment of the Centre comes as the first pillar of the Central Bank of Oman’s 2019-2021 Strategy: to establish a cross-sectored National Databank that empowers Oman to transform into a knowledge-based nation.

Mala’a’s core services

As a National Databank, Mala’a offers a range of comprehensive services focused on-but not limited to- Credit Bureau solutions:

Credit Bureau services
Facilitate Instant Decisioning Engines/ Mobile Lending Platforms
Consultancy and Analytical Services
Fintech Innovation

Our Vision: Empowering Growth through Information

To empower Oman and its people by providing credit and financial information towards building a prosperous nation. This positions Oman on a global map and gives its people the ability to realize their dreams through:

Clarity

Provides access to accurate, timely and reliable information.

Awareness

Enhances the importance of credit and financial information awareness across the Sultanate

Our Values

Integrity

Mala’a never compromises on honoring the trust bestowed upon it, delivering secure information directly from the source.

Diligence

Mala’a ensures to deliver the highest standard of services through compliance with International standards for data Confidentiality, Integrity & security.

Dynamic

Mala’a is progressive and ensures constant evolution and development.

Our Principles

Data Security

Information security is core to Mala’a. Cutting edge security technologies are deployed to ensure the highest level of data security. Mala’a’s 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

More About Us

November 29, 2020

Oman Credit and Information Centre Signs an MoU with Jusoor Foundation

Muscat\ Oman Credit and Financial Information Center (Mala’a) signed a Memorandum of Understanding with Jusoor Foundation on November 29th 2020 that states providing credit and financial information about Jusoor Foundation’s service providers, individuals and supplying or project executing corporates. The information will be used to assess the clients’ solvency and creditworthiness as stipulated in the […]

Read article November 11, 2020

Oman Credit and Information Center Signs an MoU with the Ministry of Social Development

Muscat\ Oman Credit and Financial Information Center (Mala’a) signed a memorandum of Understanding with the Ministry of Social Development on November 8th 2020, to provide the MoSD with Mala’a Report and Mala’a Score for individuals and corporates. The MoU aims at assisting the ministry to evaluate the creditworthiness of its consumers and beneficiaries, in order […]

Read article September 17, 2020

Oman Credit and Information Center Signs an MoU with the Ministry of Agriculture and Fisheries

The Ministry of Agriculture and Fisheries Wealth signed a Memorandum of Understanding on September 17th 2020 with the Oman Credit and Financial Information Center (Mala’a) at the Ministry’s building in Al Khuwair. The MoU states that Mala’a provides credit and financial information of investors in the agriculture and fisheries sector to the Ministry, as well […]

Read article