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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.

August 9, 2021

Mala’a offers Credit Score to assist Credit Risk Management in the Financial sector

MUSCAT, July 1: Oman Credit and Financial Information Centre (Mala’a) offers Credit Bureau services to enhance the creditworthiness of the individuals and corporates in the Sultanate in line with Oman Vision 2040, said Mala’a’s Managing Director Mr. Aadil Al Saadi. This supports financial inclusion by ensuring responsible financing in addition to improved credit risk management. […]

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August 9, 2021

Mala’a received 740,000 Credit Report applications received in 2020, and 37 Membership Agreements signed so far

Muscat- June  Oman Credit and Financial Information Center (Mala’) was established in 2019 by Royal decree 38\2019 as the first pillar of the Central Bank of Oman’s 2019-2021 Strategy to enhance the business environment towards implementing Oman 2040 Vision. The center offers credit and financial reports and scores for individuals and corporates and aims to be Oman’s national […]

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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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