Any company or individual selling on credit can apply for
membership. However, each member has to abide to the
Associationís code of ethics and behaviour to ensure
professionalism, honesty, and fairness in the membersí
For a copy of the statute of The Malta Association of
Credit Management, contact the secretariat of the
Truth and justice are fundamental in all business
relationships and commitments in business are by nature
continuous and irrevocable, varied by mutual agreement.
The interchange of credit information must be based upon
confidence, cooperation, reciprocity and confidentiality.
All members must abide by the regulations of the
association regarding the interchange of credit information.
Creditors should cooperate for the benefit of all in
adjustment or liquidation of insolvent estates or companies.
Creditors must render all possible assistance to honest
debtors who become insolvent.
Dishonest debtors must be exposed.
Cooperation, fairness and honesty must dominate in all
insolvent debtor proceedings.
Costly administrative procedures in the rehabilitation or
liquidation of an insolvent debtor shall be avoided at all
Members pledge themselves to uphold the integrity,
dignity and honor of the credit professional in all of their
All rights or authority enjoyed or entrusted in business
imply corresponding duties and responsibilities and must be
justified by a sufficient and capable administration of
enterprise in the community.
Business must not tolerate any form of bribery in
commercial relations. It is the duty of members especially
in difficult times to carry out their duties with force,
strength, moral courage and integrity.