Amna Hussain

Small shop owner · Karachi · APP-24135 · received 16 Sept 2026

Requested

PKR 150,000

Term

6 months

Purpose

Inventory

Score trend

6 months

Why this score

Points versus an average applicant (666). Every factor below adds up to 826.

Utility bills paid on time
+80
Paid 24 of 24 utility bills on or before the due date.
Mobile number age
+32
Same mobile number for 15 years 6 months.
Wallet balance cushion
+26
Average wallet balance of PKR 449,200 against PKR 154,113 monthly wallet spend.
Instalments paid on time
+25
Paid 6 of 6 previous loan instalments on time.
Mobile account activity
−13
Mobile account was topped up in 9 of the last 12 months.
Utility bills left unpaid
+5
No utility bill was left unpaid past 30 days.
Days late on instalments
+5
Every previous instalment was paid on time.

Not connected: Bank account. Those factors are scored at the population average and lower confidence.

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.

Approve

Meets policy. Above the instant limit, so an analyst confirms.

Income source: wallet activity (estimated)

Decision

Approved

“Clean file, affordable instalment. Approved per policy.”

Imran Javed · 17 Sept 2026

Data shared