📝 One-liners · 105 cards
Appraisal and Assessment of Credit Facilities
1 — C / What It Tests?
C: Creditworthiness; What It Tests: Past repayment record, CIBIL/Experian/Equifax/CRIF reports, banking conduct
2 — C / What It Tests?
C: Character; What It Tests: Integrity, honesty, willingness to repay, social standing, promoter background
3 — C / What It Tests?
C: Capacity; What It Tests: Managerial ability and technical skill to run the business profitably
4 — C / What It Tests?
C: Capital; What It Tests: Stake of the promoter — own contribution, net worth, debt-to-equity gearing
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