​Saudi Credit Bureau (SIMAH), the 1^st pioneer credit bureau in Saudi Arabia, is a national credit reporting firm in charge of providing credit information on both consumer and commercial entities. In April 2019, SIMAH and Thiqah, the leading business services company, announced their partnership agreement by which SIMAH can access all Thiqah's commercial data.

SIMAH's members, more than 319, will be able to have the commercial registries and status of more than 1 million corporates and more than 80,000 audited financial statements, related commercial registries, CR owners and financial statements. SIMAH announcement comes at the margin of its participation in the Financial Sector Development Program (a Saudi Vision 2030 program). The announcement of the new partnership was made officially in the Finance Sector Conference (FSC 2019) in its first edition being organized on April 24-25 2019 under the aegis of Custodian of the Two Holy Mosques King Salman. 

Total number of consumers reports stored in SIMAH database is about 15 million which explains Saudi Arabia Depth of Credit Information Index being 8 out of 8 in 2018. World Bank Depth of Credit Information Index measures rules affecting the scope, accessibility, and quality of credit information available through public or private credit registries. The index ranges from 0 to 8, with higher values indicating the availability of more credit information, from either a public registry or a private bureau, to facilitate lending decisions.

By achieving maturity of credit information industry, maximal stability of existing financial systems and build credit industry perception through promoting it as a neutral towards the local community and adding to the national economy,  SIMAH works to meet strategic  objectives of the Financial Sector Development Program (FSDP) and its initiatives in line with Vision 2030,  creating a platform for financial industry leaders to meet, communicate and establish new relationships, exchanging experiences and discussing challenges and best practices for the development of the financial sector and offering investment opportunities, stimulating competition and attracting investment in the Saudi financial sector.  

SIMAH has become the first credit reporting agency in the MENA region to have its own commercial trademark. Established in 2002, operated since 2004 with data quality score of %99.4, SIMAH has introduced SIMAT (commercial reporting system) as a new trademark and to satisfy Saudi market demands of having reliable and detailed credit reporting product and services. SIMAT comes as a further phase of SIMAH's new identity.  SIMAH's new trademark. Total number of credit instruments at SIMAH is more than 47 million CIs.

SIMAT is a plural form of SIMAH to show the plurality of the business itself as it targets commercial entities. The semantic connotation of SIMAT associates with characteristics of a commercial firm which the commercial reporting system covers. Other Arabic words that also go in line with SIMAT are MONSHAAT (commercial institutions), SHARIKAT (companies) and MOASASAT (enterprises). So it is SIMAT that can provide MONSHAAT, SHARIKAT, and MOASASAT with credit information top products and services needed.

• By having comprehensive data on corporate credit histories available, it significantly reduces the costs to new lenders of entering loan markets.
• Enhancing competition and lowering credit prices.
• Providing positive and negative credit information to have sound lending decisions.
• Increasing recovery rates and life circles drastically.  
• Increasing business revenues by tracing wider and detailed credit histories.

• 137,876,356 Million reports issued.
  
• Scores issued: 17,857,764 Million.
  
• 87,689,301​​ Million CI's.
  

(Saudi Credit Bureau) SIMAH is the leading credit bureau in the MENA region, serving individual consumers, small businesses and large corporations with a full range of credit and financial and risk management products and services.

Established in 2002, and operating since 2004 SIMAH has issued more than 104 million credit reports since 2004 with data quality score of 99.4%. Serving over 17.2 Million customers and having over 63 Million CI's, SIMAH is the largest credit bureau in the MENA region offering industry-leading product and services like SIMAT (Business Solutions), SIMATI (Consumer Solutions) and Value-Added Services (VAS) to cater to business and consumers alike.

SIMAH offers integrated solutions in the domain of analytics and decisioning with its subsidiary QARAR making it the first bureau linked analytics company in the region. MOARIF (The Legal Identifier), SNTR (SIMAH National Trade Repository) and TASNIF (SIMAH Rating) are also managed and operated by SIMAH ensuring vertical and horizonal integration of services.

SIMAH head office is based in Riyadh and can be reached on www.simah.com