Creditworthiness Criteria According to the 5Cs Model and Credit Decision: The Moderating Role of Intellectual Capital
The current study aims to examine how creditworthiness criteria based on the (5Cs) model with its dimensions (character, capacity, capital, conditions, and collateral) on the credit decision in the presence of intellectual capital as a moderating variable applied to the branches of Jordanian com...
Saved in:
| Main Authors: | , , , , , |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
EconJournals
2024-10-01
|
| Series: | International Review of Management and Marketing |
| Subjects: | |
| Online Access: | https://mail.econjournals.com/index.php/irmm/article/view/17257 |
| Tags: |
Add Tag
No Tags, Be the first to tag this record!
|
| _version_ | 1832087937432420352 |
|---|---|
| author | Zaher Abdel Fattah Al-Slehat Sufian Radwan Almanaseer Bader Mustafa Mahmoud Al Sharif Yazan Emnawer Al-Haraisa Sulieman Daood Aloshaibat Mohammad Abdlwhab Almahasneh |
| author_facet | Zaher Abdel Fattah Al-Slehat Sufian Radwan Almanaseer Bader Mustafa Mahmoud Al Sharif Yazan Emnawer Al-Haraisa Sulieman Daood Aloshaibat Mohammad Abdlwhab Almahasneh |
| author_sort | Zaher Abdel Fattah Al-Slehat |
| collection | DOAJ |
| description |
The current study aims to examine how creditworthiness criteria based on the (5Cs) model with its dimensions (character, capacity, capital, conditions, and collateral) on the credit decision in the presence of intellectual capital as a moderating variable applied to the branches of Jordanian commercial banks in the southern governorates of Jordan. The study included 449 populations from these branches, with a sample size of 205 employees. The authors employed a quantitative approach and utilized Macro PROCESS v4.2 by Andrew F. Hayes for analysis within SPSS v.28 software to achieve the study objective and test its hypotheses. According to the findings of the study, there is a positive effect of creditworthiness criteria based on the (5Cs) model on the credit decision. Furthermore, the study discovered that there is a presence of a moderating role of intellectual capital on the relationship between creditworthiness criteria based on the (5Cs) model and the credit decision. The study recommends that banks should prioritize investing in training programs for employees to improve their ability to assess credit risk accurately.
|
| format | Article |
| id | doaj-art-2105cc4bd2d74b938b25794f378bb4db |
| institution | Kabale University |
| issn | 2146-4405 |
| language | English |
| publishDate | 2024-10-01 |
| publisher | EconJournals |
| record_format | Article |
| series | International Review of Management and Marketing |
| spelling | doaj-art-2105cc4bd2d74b938b25794f378bb4db2025-02-06T01:06:05ZengEconJournalsInternational Review of Management and Marketing2146-44052024-10-0114610.32479/irmm.17257Creditworthiness Criteria According to the 5Cs Model and Credit Decision: The Moderating Role of Intellectual CapitalZaher Abdel Fattah Al-Slehat0Sufian Radwan Almanaseer1Bader Mustafa Mahmoud Al Sharif2Yazan Emnawer Al-Haraisa3Sulieman Daood Aloshaibat 4Mohammad Abdlwhab Almahasneh5Department of Business Economic, Business Faculty, Tafila Technical University, Tafilah, JordanDepartment of Business Economic, Business Faculty, Tafila Technical University, Tafilah, JordanDepartment of Business Economic, Business Faculty, Tafila Technical University, Tafilah, JordanDepartment of Business Administration, Tafila Technical University, Tafilah, JordanDepartment of Business Economic, Business Faculty, Tafila Technical University, Tafilah, JordanDepartment of Business Economic, Business Faculty, Tafila Technical University, Tafilah, Jordan The current study aims to examine how creditworthiness criteria based on the (5Cs) model with its dimensions (character, capacity, capital, conditions, and collateral) on the credit decision in the presence of intellectual capital as a moderating variable applied to the branches of Jordanian commercial banks in the southern governorates of Jordan. The study included 449 populations from these branches, with a sample size of 205 employees. The authors employed a quantitative approach and utilized Macro PROCESS v4.2 by Andrew F. Hayes for analysis within SPSS v.28 software to achieve the study objective and test its hypotheses. According to the findings of the study, there is a positive effect of creditworthiness criteria based on the (5Cs) model on the credit decision. Furthermore, the study discovered that there is a presence of a moderating role of intellectual capital on the relationship between creditworthiness criteria based on the (5Cs) model and the credit decision. The study recommends that banks should prioritize investing in training programs for employees to improve their ability to assess credit risk accurately. https://mail.econjournals.com/index.php/irmm/article/view/17257Creditworthiness (5Cs), Credit Decision, Intellectual Capital, Banks |
| spellingShingle | Zaher Abdel Fattah Al-Slehat Sufian Radwan Almanaseer Bader Mustafa Mahmoud Al Sharif Yazan Emnawer Al-Haraisa Sulieman Daood Aloshaibat Mohammad Abdlwhab Almahasneh Creditworthiness Criteria According to the 5Cs Model and Credit Decision: The Moderating Role of Intellectual Capital International Review of Management and Marketing Creditworthiness (5Cs), Credit Decision, Intellectual Capital, Banks |
| title | Creditworthiness Criteria According to the 5Cs Model and Credit Decision: The Moderating Role of Intellectual Capital |
| title_full | Creditworthiness Criteria According to the 5Cs Model and Credit Decision: The Moderating Role of Intellectual Capital |
| title_fullStr | Creditworthiness Criteria According to the 5Cs Model and Credit Decision: The Moderating Role of Intellectual Capital |
| title_full_unstemmed | Creditworthiness Criteria According to the 5Cs Model and Credit Decision: The Moderating Role of Intellectual Capital |
| title_short | Creditworthiness Criteria According to the 5Cs Model and Credit Decision: The Moderating Role of Intellectual Capital |
| title_sort | creditworthiness criteria according to the 5cs model and credit decision the moderating role of intellectual capital |
| topic | Creditworthiness (5Cs), Credit Decision, Intellectual Capital, Banks |
| url | https://mail.econjournals.com/index.php/irmm/article/view/17257 |
| work_keys_str_mv | AT zaherabdelfattahalslehat creditworthinesscriteriaaccordingtothe5csmodelandcreditdecisionthemoderatingroleofintellectualcapital AT sufianradwanalmanaseer creditworthinesscriteriaaccordingtothe5csmodelandcreditdecisionthemoderatingroleofintellectualcapital AT badermustafamahmoudalsharif creditworthinesscriteriaaccordingtothe5csmodelandcreditdecisionthemoderatingroleofintellectualcapital AT yazanemnaweralharaisa creditworthinesscriteriaaccordingtothe5csmodelandcreditdecisionthemoderatingroleofintellectualcapital AT suliemandaoodaloshaibat creditworthinesscriteriaaccordingtothe5csmodelandcreditdecisionthemoderatingroleofintellectualcapital AT mohammadabdlwhabalmahasneh creditworthinesscriteriaaccordingtothe5csmodelandcreditdecisionthemoderatingroleofintellectualcapital |