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Mala’a Report

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.

What is 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.

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 […]

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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 […]

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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 […]

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