The Saudi Credit Bureau (SIMAH ) is the first and sole licensed national credit bureau offering consumer and commercial credit information services to respective members in the Kingdom of Saudi Arabia. It was established in 2002 and began operating on the ground in 2004 under the supervisory umbrella of Saudi Arabian Monetary Agency (SAMA). The idea goes back into 1998 when national commercial banks and SAMA thought of establishing a Saudi credit bureau offering consumer and commercial information. Meetings were held for this purpose and officials were assigned to coordinate with the World Bank to consider existing international experiences for some countries to establish a credit bureau based on methodological and knowledge approaches to contribute to the Saudi national economy. SIMAH was then established to operate within the context of the current banking act and regulations issued by SAMA.


SIMAH is supervised by Saudi Arabian Monetary Agency (SAMA)


• Raising the credit culture in the society to all its slides either consumers or commercials.
• Generating credit environment based on transparency and providing reliable and up-to-date credit information
• Helping credit providers to take right and objective finance decisions via providing them with collected, categorized, and analyzed credit     information so that they could measure their clients credit history and solvency.
• Helping clients to have uncountable  diversified banking services. At the top is credit facilities with less cost and obligations.
• Creating best environment  t for the creditors to have quick and best finance decisions.
• Reducing payment risks.
• Raising clients awareness to benefit from their credit history by less commissions and requirements.

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