Mala’a Report

What does Mala’a Report contain?

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

Mala’a Report for Individuals is made up of multiple sections including all your financial and credit data.

Personal Information

This section contains demographic information on an individual, such as:

• Name
• ID Number
• Contact Details
• Relations – this refers to a financial relationship with another data subject example: co-guarantor

Credit Information

This section contains the reported credit and financial information on an individual, such as:

• Credit Contracts
• Credit Repayment History
• Credit Inquiries – detailing number of recent inquiries by credit providers
• Government Registries Information

Mala’a Report for Corporates

Mala’a Report for Corporates contains:

Corporate Information

This section contains firmographic information on a corporate, such as:

• Company Name
• Commercial Registration Number
• Contact Details
• Relations – this refers to a financial relationship with another data subject example: common shareholding.

Credit Information

This section contains the reported credit and financial information on a corporate, such as:

• Credit Contracts
• Credit Repayment History
• Credit Inquiries – detailing number of recent inquiries by credit providers
• Government Registries Information

Who Uses the Mala’a Report?

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.