About Saudi Credit Bureau - SIMAH

Saudi Credit Bureau (SIMAH) is Saudi Arabia's national credit bureau, established to build and maintain a comprehensive credit information system that supports the Kingdom's financial sector. SIMAH collects, manages, and provides credit information on individuals and companies to banks, financial institutions, and authorized organizations — enabling them to make informed lending decisions, manage credit risk, and extend financial services responsibly. As a critical infrastructure for Saudi Arabia's financial system, SIMAH improves lending efficiency, reduces default risk, supports financial inclusion, and helps build a credit culture that benefits both lenders and borrowers across the Kingdom in alignment with Vision 2030's financial sector development goals.