during Berjaya credit era easier to get approved, now with Aeon Credit and  JCL Credit slightly harder
mostly basic at least 1.8k ( big company background, for private sector sure get rejected ) and work more than at least 2-3 years

below critirea easily get rejected

1. private sector with 3k below or big company with 1.8k below
2. working experience less than 2 years
3. Military  ( police easier, teachers a lot easier )

actually monthly submission for micro credit only few hundred cases and around 100 + approved, around 30-40% approval rate