Published 2024
“…About what extent credit appraisal is used by ABSA, the majority (42.9%) of respondents reported to a great extent, 21. 4 % reported to a moderate extent, 19. 6% reported to a very great extent, while just 16.1 % reported to no extent by evaluating the character, record of meeting past
obligations, repayment capacity, credit history as well as moral aspect of loan applicant, by requiring collateral as security for the loan, by considering the relationship with the customer, account performance, deposits, etc.
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Thesis