SC
Shahid Chaudhry
Small shop owner · Rawalpindi · APP-24132 · received 21 Sept 2026
Requested
PKR 390,000
Term
12 months
Purpose
Inventory
- Repay probability
- 97%
- Confidence
- High
Score trend
6 months
Why this score
Points versus an average applicant (666). Every factor below adds up to 815.
- Utility bills paid on time+50
Paid 20 of 24 utility bills on or before the due date.
- Mobile number age+32
Same mobile number for 15 years 1 months.
- Savings buffer+30
Balance typically covers 7.4 months of spending.
- Income covers spending+24
Income exceeded spending by 43% over the year.
- Overdrawn days+10
Account never went overdrawn.
- Spending volatility+8
Monthly spending ranged from PKR 90,400 to PKR 144,850.
- 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 score815 vs approve ≥ 660, decline < 560
- Debt-to-income22% of income vs 40% limit
- Data coverage4 of 5 sources connected (minimum 3)
- Loan tierAbove PKR 100,000 — analyst review and documents required
- Utility arrears3 bills unpaid past 30 days
- Monthly instalment
- PKR 37,637
- Verified income
- PKR 173,125
- Existing instalments
- PKR 0
- Max affordable
- PKR 717,000
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—