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There are key elements that can not be ignored when presenting the credit memo, which are the characteristics of the borrower - Personal Character. Capacity Capacity. Capital. Economic conditions. - Collateral warranty. These elements represent the heart of the credit analysis process and are based on credit risk assessment by the credit man. 000 Although the methods of measuring these elements are clear, these elements have not been taken care of and appreciated perhaps because of the insufficient information that hinders the credit study or may be due to appearance or remembrance by A senior employee of the banking system or on the recommendation of a person
