Page 603 - AI for Good Innovate for Impact

AI for Good Innovate for Impact

Use Case- 8 Sustainable Financing Partnership

Organization: Mohammed Bin Rashid for Housing Establishment 4.6: Finance

Country: United Arab Emirates(UAE)

Contact Persons:

Aseel Ayoub , aayoub@ mbrhe .ae
Fatma Al ustad, falustad@ mbrhe .ae

1 Use Case Summary Table

Item Details
Category Finance

Mohammed Bin Rashid Housing Establishment (MBRHE) was constrained
by limited annual budgets and increasing demand for housing loans.
Problem Addressed Traditional internal financing models limited the number of beneficia-
ries, caused service delays, and placed significant pressure on internal
human resources.
Outsourcing of housing loan funding to Emirates Islamic Bank (EIB)
through a sustainable financing agreement.
MBRHE guarantees interest payments while the bank disburses the
principal loan amount.
Key Aspects of Solu- AI models infer customer eligibility and priority based on credit, income,
tion and social criteria.
Real-time integration with the bank via secure application program
interface(APIs).
Loan service is accessible to customers through the UAE PASS-enabled
digital interface.

AI, predictive analytics, APIs, e-government, digital identity, bank inte-
Technology Keywords
gration, outsourcing
Data Availability Public
Metadata (Type of Text
Data)

AI models are trained on historical MBRHE loan approval data,
Model Training and augmented with credit bureau data. Techniques include logistic regres-
Fine-Tuning sion, decision trees, and ensemble methods for credit risk prediction
and social vulnerability scoring.

Testbeds or Pilot Piloted at 20 customer centres in Q2 2024. Full deployment across
Deployments Dubai completed in Q1 2025. Internally documented by MBRHE.

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