web analytics

Monthly Archives: February 2018

PTPTN, CCRIS, Credit Reports and the average Malaysian

When it comes to furthering your tertiary education, many tend to opt for scholarships or even student loans to achieve their dreams. In Malaysia, the National Higher Education Fund Corporation (PTPTN) was set up in 1997 to help students gain monetary assistance to fund their higher education. As of 31 December 2016,

PTPTN, CCRIS, Credit Reports and the average Malaysian 2018-02-02T03:42:09+00:00

Top three things Malaysians don’t understand about credit scores

Throughout our life, we were always told to save up as much as you can to be financially independent, and where possible, avoid any debts to achieve your dreams. We don’t realise that there are other facets in this financial equation that will help us achieve financial health. For starters, credit scores

Top three things Malaysians don’t understand about credit scores 2018-02-02T03:26:24+00:00

Will you make a pledge to pay promptly?

Managing cash flow is ultimately one of the key areas in running any business, no matter how good your product or services are. A business must ensure it registers into profits to ensure a surplus cash to prepare for volatile periods. In some cases, many small to medium sized enterprises (SMEs) turn

Will you make a pledge to pay promptly? 2018-02-02T03:23:05+00:00

Help! I didn’t apply for that credit card or loan!

“I lost my wallet that contained my identification card, debit and credit cards while out shopping. Three months later, I received a call from a bank on outstanding payment on a loan I never signed up for!" Identity theft is a serious matter and needs to be urgently addressed. Essentially, identity theft

Help! I didn’t apply for that credit card or loan! 2018-02-02T03:19:39+00:00

Can You Tell If Your Debtor Would Be A Good Paymaster

Unless you’re a psychic or have telepathic powers like Professor Charles Xavier (from X-Men), it would be quite difficult for you to know if your debtor or business associate would be a good paymaster. When running a business, it is important to know who you are doing business with and the likelihood

Can You Tell If Your Debtor Would Be A Good Paymaster 2018-02-02T03:16:12+00:00

Is Credit Reporting Only for Big Companies?

No company, regardless big or small, especially small and medium enterprises (SMEs), should trivialise the importance of obtaining a credit report on their prospective clients and business partners, before extending credit or making any business decisions. Here’s why. SMEs are the backbone of the nation’s economy as it comprises 97% of the

Is Credit Reporting Only for Big Companies? 2018-02-02T03:12:25+00:00

Are Malaysian Businesses Confident of the Business Outlook?

As we move into the second quarter of 2017, one thing seems clear – business owners are slowly breathing a sigh of relief with signs of the gradual economic recovery. The gloom seems to be lifting as the country’s GDP is expected to edge higher to 4.3% in 2017 from 4.2% in 2016.

Are Malaysian Businesses Confident of the Business Outlook? 2018-02-02T03:04:12+00:00

3 Steps to be a ‘Cash King’ even when the Economy is Weak

In a sluggish and volatile economy whether locally or globally, evidently, Small and Medium Enterprises (SMEs) get hit the hardest due to the size of their businesses. Can they survive the economic downturn? How can they overcome this situation and continue to be sustainable? If you were a SME, you may want

3 Steps to be a ‘Cash King’ even when the Economy is Weak 2018-02-02T02:50:48+00:00

About RAMCI

RAM Credit Information Sdn Bhd (“RAMCI”), a leading Credit Reporting Agency licensed under the purview of the Ministry of Finance Malaysia, is relied upon for credit reports and scores by some of the most renowned global and local brands as well as Financial Institutions, SMEs and Government Agencies.

Core Products

Recent Posts