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.
