What is the most effective and realistic tool to be used in credit evaluation of a company?

 Assess the company's financial performance through the analysis of the financial statements in order to:

* Recognize the reality of the financial situation of the institution.

* Identify the institution of debt service and the ability to borrow

* Identify the development institution in the sector to which it belongs.

* Judgment on management efficiency.

- A careful analysis of the customer cycle operation and the surrounding circumstances and the purpose of the loan and the method of repaymen