RJ
Rabia Javed
Student or first job · Multan · APP-24125 · received 28 Sept 2026
Requested
PKR 25,000
Term
18 months
Purpose
Education fees
- Repay probability
- 51%
- Confidence
- Low
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 575.
- Mobile number age−53
Same mobile number for 1 years 1 months.
- Data sources connected−25
2 of 5 data sources connected.
- Mobile account activity−13
Mobile account was topped up in 9 of the last 12 months.
- Wallet balance cushion+3
Average wallet balance of PKR 30,863 against PKR 25,229 monthly wallet spend.
- Failed mobile payments−3
3 of 30 mobile payments failed.
Not connected: Utility bills, Bank account, Repayment history. Those factors are scored at the population average and lower confidence.
Cash flow
No bank account connected
Bank data not shared
Income was estimated from wallet activity instead. Ask the customer to connect a bank account for larger amounts.
Recommendation
Refer
Borderline on one or more checks. Route to an analyst.
- Credit score575 vs approve ≥ 660, decline < 560
- Debt-to-income7% of income vs 40% limit
- Data coverage2 of 5 sources connected (minimum 3)
- Loan tierAt or under the PKR 100,000 instant limit
- Monthly instalment
- PKR 1,717
- Verified income
- PKR 26,491
- Existing instalments
- PKR 0
- Max affordable
- PKR 154,000
Income source: wallet activity (estimated)
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—