Types of Products for FI
Credit report
this is a document that contains information about the requested entity (Individuals or Companies).
A credit report consists of two sections:
- the first section contains information about the subject (main address, contacts, TIN, passport series, and so on).
- the second section contains “full credit history”
Credit history includes information about the credit history of a particular entity (the number and type of loan, the number of financial institutions with which the entity works, the total amount, the total amount of overdue days, and so on).
In the Online and A2A systems of the Credit Bureau, there are three types of reports which are available with different sets of information:
1. Basic
2. Standard
3. Advanced
Scoring
Credit Scoring is a statistical technique used to predict future financial events based on past experience. It predicts the probability of a certain event that may occur in a certain period of time. The assumption that the future, at least in the medium term, will be similar to the past.
The purpose of Scoring is to show the maximum "gap" between good and bad loans, so the loan officer can focus and devote his efforts only to clients who are in the gray zone (between "good" and "not bad").
The first Scoring solution provided for the financial market was GLocal Scoring. Further, based on an extensive database, we were able to provide the market with a completely new Scoring Model, which has maximum accuracy, based on subject behavior data.
Statistical report
This report contains information on the financial market of the Tajikistan. For example, it reflects the share of lending by gender, by lending currency, by amount, type of loans, and breakdown by the regions. It is ecellent for FIs that are just starting their activities, for a clear understanding of the market. Also can be used for existing FIs that plan to expand their branch network.
Analytical report
This report is generated individually for each specific Financial Institute, which contains detailed information about the Loan portfolio. Information about the situation on the Tajikistan market (based on data from Crif Tajikistan) and information about the general Loan portfolio of Financial Institutions (entities having contracts with a specific Financial Institution and contracts with one or even several Financial Institutions at the same time).
Portfolio Explorer
Allows a credit institution to conduct an extensive analysis of its subjects, with the possibility of breaking down into several types of categories: by rating (breaking down clients into "good" and "bad"), by open and closed contracts, by overdue, etc.
SkyMinder
SkyMinder is the Business Information platform powered by CRIF, giving access to in-depth credit and financial data on companies all over the world.
Thanks to our international presence and long-standing experience with local information providers, every Country is available on SkyMinder, without data accessibility limits or updating issues.
SkyMinder’s Mission is to help users taking their best business decisions!
More information: https://www.skyminder.com
CLARA
(Cash-flow linked Agriculture Risk Assessment tool) is a tool that allows you to assess the risks of lending to agricultural borrowers using accurate modeling of the forecast cash flow of farms.
CLARA is a new service designed to quickly and efficiently assess production risks in agriculture. The service helps make forecast calculations for farms based on technological maps for the production of various agricultural products. Technological maps containing the necessary information and instructions for the production of various agricultural products will be stored in the service database, which will be updated weekly.
