AS
Asad Sheikh
Salaried employee · Peshawar · APP-24124 · received 17 Sept 2026
Requested
PKR 85,000
Term
6 months
Purpose
Medical
- Repay probability
- 97%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 814.
- 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 12 years 8 months.
- Data sources connected+16
5 of 5 data sources connected.
- Instalments paid on time+16
Paid 5 of 6 previous loan instalments on time.
- Mobile account activity+15
Mobile account was topped up in 12 of the last 12 months.
- Days late on instalments−10
Instalments were paid 66.3 days late on average.
- Spending volatility+10
Monthly spending ranged from PKR 59,900 to PKR 87,950.
Cash flow
Crescent Microfinance · last 12 months
Money inMoney out
Recommendation
Approve
Meets every policy check. Eligible for instant approval.
- Credit score814 vs approve ≥ 660, decline < 560
- Debt-to-income19% of income vs 40% limit
- Data coverage5 of 5 sources connected (minimum 3)
- Loan tierAt or under the PKR 100,000 instant limit
- Monthly instalment
- PKR 15,346
- Verified income
- PKR 81,150
- Existing instalments
- PKR 0
- Max affordable
- PKR 179,000
Income source: median monthly bank deposits
Decision
Approved
“Clean file, affordable instalment. Approved per policy.”
Imran Javed · 18 Sept 2026
Data shared
- Utility bills
- Mobile account
- Mobile wallet
- Bank account
- Repayment history