The use of the creditworthiness models is one of the used methods in the evaluation of bank loans and facilities clients in commercial banks,The main objective of creditworthiness study is to identify the future potential of the customer to repay the
Granted credit and interest, many creditworthiness models had been provided, These models have been in a constant development of the variables included, And it has sought a researcher to study the most important of these models and compare them to gain access to the most comprehensive model, which can be used in the study of the customer's creditworthiness as a tool to avoid future risks at public and private banks in syria.
Research problem stems from the fact that the granting of credit without study the creditworthiness of clients leads to face risks of future defaults in credit repayment, This requires knowledge of all factors of the creditworthiness to reduce the risks resulting from the granting of credit, both of which related to the bank or the client or other variables beyond the control of the parties.
The research aims to identify the concept of creditworthiness and its Justification, and display the most important models, and a comparison between models and identify similarities and differences among them, it has been relying on the historical and descriptive and analytical approaches in the presentation of the creditworthiness of models, in addition to the inductive approach in order to access to the most comprehensive variables creditworthiness to be recommended to follow it during the credit decision making model.
The researcher reached a set of results most important is the need to provide a model creditworthiness fits with the application environment, and that the form is familiar with financial and personal factors for the client borrower, and the more creditworthy models briefing these factors is the 18C's model, Accordingly, the researcher recommended the adoption of this model to study the creditworthiness of loan clients in the public and private banks operating in Syria.
This study aims to identify the factors related to the client and influencing the decision of granting micro-credit in the private lending institutions operating in the province of Lattakia (Private banks and microfinance institutions)، and order of
these factors according to their importance for these institutions، Has been followed premise entrance deductive in this study.
The research concluded that these institutions focus on personal client primarily client then the capital of the second class، then the guarantees provided by the client third place، as the results showed that the economic and political conditions and practical experience for the customer influence the decision to grant credit is relatively weak degree، and there omission social worker by these institutions.
The study of clients creditworthiness aims to identify the aspects that may lead the
client to a tumble in the future in the credit and burdens repayment, which requires an
advance specific of the factors affecting it, and in order to avoid the ris
ks that may occur in
the future and lead to tripping, this paper seeks to study the most important factors of
creditworthiness, and analysis to financial and personal factors, and determine the impact
of these factors on creditworthiness.
The researcher depended on the descriptive analytical approach in the presentation of
the creditworthiness models, and to study and analysis of financial and personal factors in
order to identify the most affecting factors in the creditworthiness of the credit clients.
The researcher has reached to set of results, most important to analysis the
creditworthiness factors to personal factors such as reputation, relationship with the lender
and other banks, and the relationship with sovereign entities, and financial factors such as
studying statements and financial ratios and predict financial failure.
The most important recommendations of the paper the need to divide the
creditworthiness factors to personal and financial factors in any model is proposed to
assess creditworthiness. some personal factors such as reputation belongs to personal
factors and predict financial failure belongs to financial factors will determine the value
using a dualism [0,1], and any model creditworthiness must include most important
personal factors which in addition to a reputable, relationship with banks and sovereign
entities, and query the banking, and that the guarantees not be a starting point for grants in
any case, the starting point should be in the purpose of the loan, and that the field visit
attaches great importance to the strengthening of the credibility of the financial statements
of the client, and interest in analyzing cash flows to be synchronized between the payment
of premiums and inflows.
