Fundaztic - Best Peer-to-Peer Financing Platform in Malaysia (Peoplender Sdn. Bhd.)

Understand Your Risk Appetite

We have prepared a simple risk profiling questionnaire that looks into your age, education level and experience in investing to suggest suitable notes for your investment.

Probability of Default % (PD%)

Probability of Default or PD in short is lifted from the Credit Bureau Malaysia (CBM) report which uses as part of its credit evaluation process. The PD is calculated using statistically valid models developed specifically for the Malaysian SME environment. The definition of “Default” is based on guidelines from Basel II and defined as EITHER past due more than 90 days on any financial credit facility OR considered unlikely to pay an existing credit facility in full. There are various event triggers that are used to determine how unlikely the credit will be paid in full.

As a summary, the PD may be used to gauge the likelihood of the particular credit (or note in the case of of the SME turning default within the next 12 months based on information received from a range of business information databases. Therefore, a PD of 12% means the particular note has a 12% likelihood of defaulting within the next 12 months. In other words, this means, the lower the PD, the lower the risk and the better the grade.


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If you have any questions, please visit our FAQ section or email us at [email protected].
若有任何问题,请前往 FAQ section 查阅或电邮至 [email protected].

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