SPeKAR
SPeKAR is a individual credit search system that combines ANGKASA’s salary deduction system, Bank credits information, litigation, bankruptcy status and other credit information managed by RAMCI as one of the biggest credit reference in Malaysia.
Starting June 15, 2015, the Cooperative Commission of Malaysia (SKM) has officially recognized SPeKAR and agrees to adopt the report as an alternative for official documents in verifying board members under GP3: Guidelines for Appointment or Re-election of Cooperatrive Board Members Cooperative (Amendment) Act 2012.
SPeKAR is also equipped with scoring system or known as SKOR that can assist cooperativeon decision-making in approving a loan.