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Understanding Risk

What is the default rate?

In view of our greenfield operation, we do not have sufficient transaction histories for meaningful statistic. An indicative probability of default by reference to the statistics of trusted Credit Bureau, as below:

Risk Grade Description Probability of Default
A Strong < 1.0%
B Good 2.5% to 3.5%
C Fair 4.0% – 5.0%

Please note that the probability of default above serves as reference for your investment consideration only and will not necessarily be a reliable indicator of future default rates.

FinPAL strives to keep default rates as low as possible through our tight credit processes, to enable Investors to secure healthy return.

Can I register as an Issuer and an Investor simultaneously?

Currently, there is no rule restricting you to register as Issuer and Investor simultaneously. You will be required to open separate accounts for each, using different…

FinPAL March 22, 2018

Is FinPAL regulated?

Yes, FinPal is a Registered Recognised Market Operator, governed under Section 34 of Capital Markets and Services Act 2007 (CMSA) by Securities Commission of Malaysia…

FinPAL March 22, 2018

Are my funds at risk if FinPAL becomes insolvent?

Your investment funds are held on trust on your behalf in a segregated Investor Trust Account which cannot be transferred to FinPAL Accounts. Additionally, FinPAL…

FinPAL March 22, 2018

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