CREDIT REFERENCE BUREAU PHASE II FINAL EVALUATION REPORT
The second phase of the project started in 2011 and focused on expanding the reach of creditinformation sharing to the broader spectrum of credit providers, creating financial inclusion with
special focus on getting on-board SMEs. The major accomplishment of the Phase II (which
ended in December 2014) was enabling all regulated by CBK financial institutions as well as non
–regulated entities to share full-file records, meaning adding to negative data sharing the positive
credit information.
