Mala'a Report is a summary of all the demographic, firmographic and Credit-related Information on a Data Subject. A Data subject is defined as an Individual or Corporate.
Mala’a Report consists of multiple sections and includes information about credit facilities and repayment history for the last 24 months. The bilingual report contains demographics, firmographics, Mala’a Score, Probability of Default, Mala’a Score History, Guarantor, Collaterals, Inquiries, Bounced Cheques, and Disputes.
The Dashboard of Mala’a Reports gives a consolidated view of information that allows quick decision-making. For further details, information is available in the relevant tabs.
Mala’a Report for Individuals is made up of multiple sections including all your financial and credit data.
This section contains demographic information on an individual, such as:
This section contains the reported credit and financial information on an individual, such as:
Mala’a Report for Corporates contains:
This section contains firmographic information on a corporate, such as:
This section contains the reported credit and financial information on a corporate, such as:
The Mala’a report is used by credit providers to support them with credit risk decisions, monitoring, and recoveries. It is mandatory for credit providers to generate a Mala’a Credit Report before granting any credit facility.
All credit providers have internal policies and procedures to assess credit risk. Mala’a Report and Mala’a Score are tools used in Credit Risk Management. It is up to the credit providers discretion to grant or deny a credit facility based on their internal policies, and not Mala’a’s decision.
Oman Credit & Financial Information Centre (Mala’a) and the National Center for Financial Information signed a cooperation program to collaborate on significant aspects of Anti-Money Laundering and Combating Financing of Terrorism (AML-CFT) laws on Tuesday, March 8th, 2022, at a formal event held at NCFI headquarter. The Program was signed by Mr. Bassam Al Jamali, […]April 4, 2022
Oman Credit and Financial Information Centre (Mala’a) won the Global Business Outlook Award for the “Fastest Growing Consumer & Commercial Credit Information Reporting in the GCC” for the year 2021. The achievement is a testament for Mala’a’s efforts in developing the credit system in the Sultanate since its inception in 2019 with the support of […]March 7, 2022
The Central Bank of Oman management and Board of Governors, appointed Mr. Bassam Al Jamali a General Manager to Oman Credit and Financial Information Centre (Mala’a) on November 21st. Mr. Bassam Bin Tariq Bin Abdul Redha Al Jamali brings in a vast experience of over 24 years in the Central Bank of Oman in the […]