Usman Butt

Small shop owner · Sialkot · APP-24106 · received 19 Sept 2026

Requested

PKR 365,000

Term

9 months

Purpose

Inventory

Score trend

6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 729.

Mobile number age
+32
Same mobile number for 12 years 7 months.
Utility bills paid on time
+12
Paid 15 of 24 utility bills on or before the due date.
Instalments paid on time
−12
Paid 3 of 9 previous loan instalments on time.
Income covers spending
+11
Income exceeded spending by 23% over the year.
Days late on instalments
−11
Instalments were paid 69.2 days late on average.
Overdrawn days
+10
Account never went overdrawn.
Mobile account activity
+6
Mobile account was topped up in 11 of the last 12 months.

Not connected: Mobile wallet. Those factors are scored at the population average and lower confidence.

Crescent Microfinance · last 12 months

Money inMoney out

Approve

Meets policy. Above the instant limit, so an analyst confirms.

Income source: median monthly bank deposits

Decision

The model recommends; you decide. A reason is required and goes to the audit log.

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