National Credit Intelligence

National Credit Intelligence

Clear Credit Insights. Confident Lending Decisions.

National Credit Intelligence brings licensed lenders together to support informed lending decisions. Before approving a loan, members can review an applicant's borrowing history, access information shared by other members, and receive a consolidated credit report, with a credit rating where available.

Apply for membership See how it works

An example enquiry. A member bank asks the registry about an applicant; the amount it is about to lend stays with that bank. The registry asks the six other members whether they know the person. All six answer. Member A knows the person as a borrower who repaid on time, and Member C as a borrower with one late payment; Members B, D, E and F do not know the person. One reply goes back to the asking bank: rating A, low risk, 86 out of 100, made from the 2 loans at other members.

01The registry

What the registry does

Until now, a lender deciding on a loan has seen only its own books. The registry is the go-between of licensed lenders: it lets each one hear from all the others through one independent desk, without any lender handing its customers to another.

A proven repayment record can stand in place of collateral, so credit reaches people who have no title deed to pledge.

  • Assess risk

    Lenders can check a borrower's credit history before approving a loan.

  • Reduce loan defaults

    It helps identify borrowers who may struggle to repay.

  • Set the right loan terms

    Lenders can decide suitable loan amounts and repayment periods.

  • Prevent fraud

    Credit registries help detect false identities, multiple loan applications, and other fraudulent activity.

02How it works

From one question to one report

Every enquiry follows the same four steps, from the member's question to a single report it can lend on.

  1. Step 1

    A member asks

    Before lending, a member bank sends its applicant's details to the registry.

  2. Step 2

    Every other member is asked

    One question goes to all the other members: do you know this person? Each answers from its own books: not known, or known as a borrower or a guarantor, with every loan and how it has been repaid.

  3. Step 3

    The answers come together

    The registry puts the answers into one report. When a member reports a loan, it rates the applicant from how their loans have been repaid: from the members' answers alone.

  4. Step 4

    One report goes back

    The member receives the report, and the rating with its reasons, and decides. The registry never approves or refuses a loan.

What a member receives

One report, never the other members' names.

Credit report ENQ-2026-00142 Example
Low riskRating A, 86 out of 100
The members' answers
All 6 members asked have answered. Out of the 6, 2 know the applicant, both as a borrower.
Loans at other members
2 loans: one repaid on time throughout, one with a single payment 10 days late in the last year.

Why the rating is A

  • Repaid on time at two other members for two years.
  • One payment 10 days late, in the last year.
  • Owes two lenders at the same time.

When is a rating given?

A rating comes from a loan record: each loan, its payment plan and how it has been repaid.

Has taken a loan beforeRated on fifteen grades, from A+ to E−, with a score out of 100 and the reasons in plain words, once a member bank reports the loan in its answer and a first payment has been made on it, whatever its amount. Someone with a loan and a payment plan at one bank is rated when they apply for a loan at another.
Never taken a loanNo rating for someone who has never borrowed, and none before a first payment is made on a first loan. The report says why, and the member decides on the application itself.

The rating scale fifteen grades, a new grade every 5 points

  1. 80–100Low risk: grades A+, A and A−
  2. 65–79Moderate risk: grades B+, B and B−
  3. 50–64Elevated risk: grades C+, C and C−
  4. 35–49High risk: grades D+, D and D−
  5. 0–34Very high risk: grades E+, E and E−

03Who it serves

Lenders and the people they lend to

Members lend with the whole record in view. The people they lend to build a record that follows them to every member.

Lenders

Banks, microfinance institutions, cooperatives, digital lenders, leasing companies, suppliers selling on credit, and any other institution licensed to extend credit.

  • The full picture on every applicant in one report, with a credit rating and its reasons, to assess risk before approving.
  • Lend on a proven track record instead of demanding collateral for everything: fewer defaults, better terms, less fraud.
Apply for membership

Borrowers

Anyone with a loan from a member institution.

  • Build a financial reputation. Every instalment paid on time builds a record that follows you to any member.
  • Better approval chances. A known repayment history makes it easier to qualify for the loan you apply for.
  • Better loan terms. Good credit can mean lower financing costs and less collateral asked of you.
  • Easier access to products. Members are more willing to offer working capital, asset finance and business loans.

04Membership

Join the registry

Open to any licensed institution that extends credit in Somalia. Apply here.

Application for membership

For institutions only. Sending it creates no account: the registry contacts the person you name. Fields marked are required.

The institution
Enter the institution's full legal name.
Choose the type of institution.
Who the registry should contact
Name the person the registry should contact.
Enter a valid email address.
The registry's membership desk receives it.

Application received

Thank you. The registry now has your application and will contact your contact person to take onboarding forward. Accounts are only ever issued by name, with a temporary password handed over securely.

05Contact

Contact the Registry

Have a question about the registry, your membership, or the information held about you? Contact us and our team will be happy to assist.

Send a message

The registry replies to the email address you give. Fields marked are required.

Tell us who is writing.
Enter a valid email address.
Write your message.

Message sent

The registry will reply to the email address you gave.