Non-Individual Consumer and Account file

A non-individual consumer refers to registered institutions such as companies, partnerships, societies, church, school, etc.

An account is considered non-individual if the facility or loan contract is given to the registered entity and not its owner.

In the case of the sole proprietor or the micro-entrepreneur, the account is considered non-individual if the loan contract is written and granted to the business name (as opposed to the owner’s name). Also, as a rule of thumb, credit providers lending for business are encouraged to record the loan under the business name (not the owner) if the business is a registered entity.


This file is central for establishing the identity of non-individual borrowers. The fields cover registered name, trading name, registration number, company type, industry code, PIN number, VAT number, and other fields serve to establish an institutional borrower’s identity.


This file also includes the account information for the entity.  This is the core of the credit file as it contains information on the key behavior aspects of the borrower, specifically data on their payment patterns and level of exposure. It also provides information on the longevity of the account.


If a record is listed in this file, it is expected that there will be an associated entry in the stakeholder file to detail the significant stakeholders for the loan.


This file is mandatory for credit providers who have advanced a credit facility to non-individual consumers.

Quick Stats

File Name: Non-Individual Consumer

File Code: CI

No of columns: 59

Mandatory: 35

Conditional: 7

Optional: 17

Update frequency: Monthly

Dependencies: none

DSTv 4.1 Pages 26-33

Sample File

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