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To bridge this information gap, the SME Credit Bureau would effectively consolidate the fragmented information. This convergence of data from various sources would be enhanced, resulting in a convenient, timely and efficient access to SME information and credit ratings to assist the potential lenders to make a more objective evaluation of loan applications. It is our ardent hope that the SME Credit Bureau will become an integral component towards enabling SMEs to gain access to financing. The SME Credit Bureau also aims at promoting greater transparency, professionalism and sound credit culture among SMEs. SMEs can be assured that their good track records would be captured and evaluated by an independent third party, which in turn, would assist them to increase their financing and business opportunities. The credit reports would serve as a convenient tool for SMEs to carry out a self evaluation in identifying areas that needs improvement. This strategic alliance represents a meeting of the common objective of CGC and D&B to bridge the gaps in the availability and access to SME credit information in the country. The SME Credit Bureau is a big step towards a more sophisticated and transparent financing environment for SMEs in Malaysia. Both CGC, which is in the business of providing credit enhancement to Malaysian SMEs; and D&B, a global operator and provider of credit bureau services, are well equipped to drive this initiative forward. On this note, I would like to congratulate CGC and D&B Malaysia Sdn. Bhd. in making this initiative possible.