Las cinco “ces” del crédito

the 5 (five) Cs of credit;
1. Character - which signifies the borrower‟s integrity and reputation
2. Capacity - which encompasses the ability to repay and evidence of sufficient cash flow to service the obligation
3. Capital - which is a borrower‟s net worth
4. Conditions – includes those of the borrower and the overall economy e.g. interest rates and amount of principal requested, and
5. Collateral - includes the borrower’s assets used to secure the debt.
Strischek, Dev (2009). The Five Cs of Credit. The RMA Journal, 91(8), pp. 34-38.
Tirole,