Loan applications are reviewed and approved only after undergoing a strict process. We combine the evaluation method of conventional financial institutions with advanced and innovative solutions.

We evaluate all data and documents provided by applicant borrowers. We also perform data validation using a third party and by field checks. The results of our review will be summarized in our Modalku Scoring Grade, which indicates our assessment of the MSME borrower’s capacity and drive to repay his/her loan.

In determining a Modalku Scoring Grade, we take in error factors in sensitivity analysis and ensure that all loans have a Personal Guarantor to add security to our loan products.

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