Section 1: Summary
Item yang terkandung dalam RAMCI i-Risk Score Intelligence – (IRISS) seperti berikut:-
- i-Score (credit i-score)
- Credit Score
Note: The i-SCORE is a credit score, which is a numeric representation of an individual or corporate’s credit worthiness, based on prevailing information available on the credit files at the time of scoring. i-SCORE does not provide any conclusive evaluation or credit decisions for credit grantors
Dinilai dengan cara (Risk Grade Higher Risk)
The following information relating to shareholding/ directorship interest by the subject may not be current. There may be changes which may not be currently in our databank
Previous Known Companies/ Business
The following information relating to shareholding / directorship interest by the subject is as available now
Section 1: Summary Score Intepretation
Explanation iScore
Iscore is a credit score, which is a numeric representation of an individual or corporation’s credit worthiness, based on prevailing information available on the credit files at the time of scoring.
The i-score is calculated using advanced statistical (both banking and non-banking) from RAMCI to give you a simple 3 digits number to objectively assess your customers, business partners, verdorsand others for a better credit decision-the higher the numer, the better the individual or corporation’s credit worthiness.
Risk Grade
Risk Grade is risk segmentation for i-score range for easy understanding and application, it has 10 risks grades from 1 to 10. A risk grade of “10” is considering the best. For non-scored individual, the Risk Grade will be “N/A” as well. Probability of Default (%) It is the predicted likelihood of an individual or corporation not able to repay its debts within the next 12 months.
An individual with a higher probability of default is more risky than one with lower percentage. Keu contributing Factors (KCF) keys contributing factors are the key factors that have impact on why the individual or corporation’s. I-Score cannot be higher. It lists out the top 2 factors that lower the credit score. Non-scored segment. The following are 3 scenarios that entity will fall under non-scored segment with i-score=N/A