DR
Danish Raza
Freelancer · Sialkot · APP-24129 · received 28 Sept 2026
Requested
PKR 130,000
Term
9 months
Purpose
Home repair
- Repay probability
- 85%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 696.
- Savings buffer+24
Balance typically covers 5.2 months of spending.
- Mobile number age−20
Same mobile number for 4 years 6 months.
- Utility bills paid on time+12
Paid 15 of 24 utility bills on or before the due date.
- Overdrawn days+10
Account never went overdrawn.
- Income covers spending+9
Income exceeded spending by 18% over the year.
- Wallet balance cushion−7
Average wallet balance of PKR 3,425 against PKR 7,271 monthly wallet spend.
- Mobile account activity−4
Mobile account was topped up in 10 of the last 12 months.
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
Approve
Meets policy. Above the instant limit, so an analyst confirms.
- Credit score696 vs approve ≥ 660, decline < 560
- Debt-to-income19% of income vs 40% limit
- Data coverage4 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Monthly instalment
- PKR 16,181
- Verified income
- PKR 86,200
- Existing instalments
- PKR 0
- Max affordable
- PKR 277,000
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—