SR
Shahid Raza
Freelancer · Karachi · APP-24120 · received 24 Sept 2026
Requested
PKR 325,000
Term
9 months
Purpose
Education fees
- Repay probability
- 84%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 692.
- Utility bills paid on time+50
Paid 10 of 12 utility bills on or before the due date.
- Mobile number age+32
Same mobile number for 10 years 5 months.
- Spending volatility−29
Monthly spending ranged from PKR 74,000 to PKR 176,500.
- Overdrawn days−17
Account was overdrawn about 20.3 days a month.
- Income covers spending−15
Spending exceeded income by 21% over the year.
- Mobile account activity+15
Mobile account was topped up in 12 of the last 12 months.
- Savings buffer−15
Balance typically covers 0.0 months of spending.
Not connected: Repayment history. Those factors are scored at the population average and lower confidence.
Cash flow
Crescent Microfinance · last 12 months
Money inMoney out
Recommendation
Refer
Borderline on one or more checks. Route to an analyst.
- Credit score692 vs approve ≥ 660, decline < 560
- Debt-to-income44% of income vs 40% limit
- Data coverage4 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Overdraft patternOverdrawn ~20.3 days a month
- Monthly instalment
- PKR 40,454
- Verified income
- PKR 91,700
- Existing instalments
- PKR 0
- Max affordable
- PKR 294,000
Income source: median monthly bank deposits
Decision
The model recommends; you decide. A reason is required and goes to the audit log.
Add a short reason to enable the buttons.
Data shared
- Utility bills
- Mobile account
- Mobile wallet
- Bank account
- Repayment history—