Entrepreneurship & Finance

In the area of finance, our General Financial Insights (GFI) uses AI, machine learning, behavioural science, and psychometrics to estimate credit risk and guide loan recovery. GFI can assist low-income microentrepreneurs to get funded by social finance instruments (e.g., donations, zakat, waqf, social impact investments).

GFI is an outcome-based credit risk assessment system that uses deep learning modelling which allows it to estimate optimal loan amount, optimal interest rate as well as personalises monthly payment for each customer which will guide payment recovery. These advanced features of self-learning and self-adaptability algorithms in the GFI engines and platform enable detection of extreme changes in the psychological attributes of customers especially in times of extraneous stress such as a pandemic, natural disaster, conflict or political instability.

By using GFI, lenders can offer business financing to individuals with “thin file” issues such as women, youth, etc. GFI scores can be used by financial institutions, insurance companies, leasing companies, consumer finance companies, gig-economy companies and retail lenders to make better decisions about whether to grant loan to prospective borrowers.

In the area of entrepreneurship, our products aim to assist micro-entrepreneurs to strengthen their business acumen and financial management towards earning sustainable income. Each product provides suggestions of financial and business trainings, which help micro-entrepreneurs to improve their business acumen and generate better income sustainably.

Entrepreneurship (ENT)

Entrepreneurship (ENT) provides entrepreneurs with insights into their own personalities, helping them to identify personal strengths and weaknesses that may help or hinder them as they build their businesses. Whether you are an established entrepreneur looking for an edge over the competition or someone wondering if you have what it takes to start a business, ENT can help you discover your strengths and focus on building your best skills as you pursue a path to becoming a successful entrepreneur.

BizFit

BizFit is designed to guide the choices of aspiring entrepreneurs by helping them to identify the areas of business that best match their interests. Benchmarked against the industries listed in the International and Malaysia Standard Industrial Classification, BizFit produces an insightful report that can be used in conjunction with other products and tools such as ENT to generate a comprehensive appraisal of your entrepreneurial inclinations and aptitudes.

Finance Polaris

Finance Polaris reveals individual’s traits and attitudes towards finance in five main areas: Financial Knowledge, Spending, Saving, Budgeting, and Self-Regulation. By understanding aspects of individual’s skills and personality related to finance, Finance Polaris can help you address challenges entrepreneurs may face when working towards improving their financial future and suggest training courses to achieve greater financial success.

MSME Rating System

The MSME Rating System measures the competitiveness of MSMEs across six different industries, combining both competencies and behavioural indicators. By utilising this MSME rating system, stakeholders and entrepreneurs can gain insights into the strengths and weaknesses of the business and make data-driven decisions that can lead to growth and success.