MIB Financing API

Overview

Financing data is fetched from the MIB WebView host (faisamobilex-wv.mib.com.mv), which is separate from the API host (faisanet.mib.com.mv). The response is an HTML page; financing deal data is embedded in data-* attributes on card elements.

Endpoint

GET https://faisamobilex-wv.mib.com.mv/financing?dashurl=1

Authentication

Session cookies from the login flow must be sent with the request:

Cookie	Value
`mbmodel`	`IOS-1.0` (literal string)
`xxid`	Session ID from login (`MibSession.xxid`)
`IBSID`	Same as `xxid`
`mbnonce`	`nonceGenerator` string from login response
`time-tracker`	`597` (literal string)

Request Headers

Header	Value
`User-Agent`	Standard Android WebView UA string
`X-Requested-With`	`mv.com.mib.faisamobilex`

Response

Content-Type: text/html; charset=UTF-8

The response is a full HTML page. Each financing deal is represented as a <div> with the class finance-card-holder and all deal fields embedded as data-* attributes:

<div class="card border finance-card-holder"
    data-productDesc       = "Product Name"
    data-dealStatus        = "P"
    data-statusDesc        = "Approved"
    data-dealAmount        = "10000.00"
    data-dealNo            = "12345"
    data-paidAmount        = "2500.00"
    data-outstandingAmount = "7500.00"
    data-dealDate          = "2024-01-15 00:00:00"
    data-overdueAmount     = "0"
    data-installmentAmount = "500.00"
    data-noOfInstallments  = "24"
    data-lastPaidDate      = "2026-05-01 00:00:00"
    data-lastPayAmount     = "500.00"
    data-financeCurrency   = "462"
    data-curCodeDesc       = "MVR">

Data Fields

Field	Type	Description
`productDesc`	String	Product name (e.g. "Ujalaa CG Finance")
`dealStatus`	String	Status code: `P` = Active/Pending
`statusDesc`	String	Human-readable status (e.g. "Approved")
`dealAmount`	Decimal	Total financing amount
`dealNo`	Integer	Unique deal/contract number
`paidAmount`	Decimal	Amount paid to date
`outstandingAmount`	Decimal	Remaining unpaid balance
`dealDate`	String	Contract start date (`yyyy-MM-dd HH:mm:ss`)
`overdueAmount`	Decimal	Amount currently overdue (0 if none)
`installmentAmount`	Decimal	Monthly installment amount
`noOfInstallments`	Integer	Total number of installments
`lastPaidDate`	String	Date of most recent payment (`yyyy-MM-dd HH:mm:ss`)
`lastPayAmount`	Decimal	Amount of most recent payment
`financeCurrency`	Integer	Currency code (462 = MVR)
`curCodeDesc`	String	Currency abbreviation (e.g. "MVR")

Parsing Strategy

Use a regex to find all elements with class finance-card-holder, then extract all data-* attribute key/value pairs from each match:

val cardPattern = Regex("""finance-card-holder[^>]+>""")
val attrPattern = Regex("""data-(\w+)\s*=\s*"([^"]*)"""")

Completion Date Estimation

Remaining installments can be estimated from outstanding and installment amounts:

remainingInstallments = ceil(outstandingAmount / installmentAmount)
completionDate = today + remainingInstallments months

Notes

The WebView endpoint uses a different subdomain (faisamobilex-wv) from the encrypted API (faisanet).
No encryption is used; the session is maintained purely via cookies.
The HTML is served gzip/brotli compressed; OkHttp handles decompression automatically.
The time-tracker cookie value appears to be static at 597 — its purpose is unclear, but omitting it may affect behavior.
Known product names include consumer goods finance and cash financing variants.

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