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Table 4 Criteria for analysis

From: Credit granting sorting model for financial organizations

Criteria/code

Description

Payment capacity: PCP

Analysis of the maximum payment limit (instalment) to be assimilated by the proponent's income, considering all other primary individual and family needs of the proponent

Financial score: FSC

Analysis of the financial results presented in the Balanced Scorecard and the evaluations of the Central Bank

Debt capacity: DCP

Financial limit of values that may be assumed according to the company´s financial, history and turnover

Operations history: OPH

Internal analysis of previous operations of the proponent that characterizes the proponent as an excellent or poor payer, and level of delay

Warranty in operation: WOP

Existence of assets in guarantee and guarantor that will assume joint and sequential responsibility for the amount in case of default by the proponent

Wealth analysis: WAN

Analysis of the equity presented that can meet the commitments assumed by the proposer

Professional activity: PAC

Verification of the professional activity of the proponent concerning stability and risk and variations in profits

Relationship level: REL

Internal analysis of the personal relationships of the proposer with the organization, active participation in committees, assemblies, personal knowledge of the board, and agency