Ranking The 5C’s Of Credit Analysis: Evidence From Ghana Banking Industry

Williams Kwasi Peprah; Albert Agyei; Evans Oteng

Ranking The 5C’s Of Credit Analysis: Evidence From Ghana Banking Industry

Williams Kwasi Peprah
, Albert Agyei
, Evans Oteng

Valley View University

Research output: Contribution to journal › Article › peer-review

Abstract

This research study was to find out how banks in Ghana rank the 5C’s in the evaluation of loan applicants. Based on the Yamane (1967) statistical formula among 35 banks in Ghana, 32 banks credit departments responded to this ranking survey. The results indicated in general that banks in Ghana rank from the order of importance: Capacity, Character, Collateral, Condition and Capital. However, foreign-controlled banks ranked Condition as third and Collateral as fourth and domestic-controlled banks ranked Collateral and Capital the same as the least.

Original language	American English
Pages (from-to)	78-80
Journal	International Journal of Innovative Research and Advanced Studies
Volume	4
Issue number	9
State	Published - Sep 2017
Externally published	Yes

Keywords

Capacity
Character
Collateral
Condition
Capital

Disciplines

Finance and Financial Management

Access to Document

paper_17.pdfFinal published version, 259 KBLicense: Unspecified

Cite this

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title = "Ranking The 5C{\textquoteright}s Of Credit Analysis: Evidence From Ghana Banking Industry",

abstract = "This research study was to find out how banks in Ghana rank the 5C{\textquoteright}s in the evaluation of loan applicants. Based on the Yamane (1967) statistical formula among 35 banks in Ghana, 32 banks credit departments responded to this ranking survey. The results indicated in general that banks in Ghana rank from the order of importance: Capacity, Character, Collateral, Condition and Capital. However, foreign-controlled banks ranked Condition as third and Collateral as fourth and domestic-controlled banks ranked Collateral and Capital the same as the least.",

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N2 - This research study was to find out how banks in Ghana rank the 5C’s in the evaluation of loan applicants. Based on the Yamane (1967) statistical formula among 35 banks in Ghana, 32 banks credit departments responded to this ranking survey. The results indicated in general that banks in Ghana rank from the order of importance: Capacity, Character, Collateral, Condition and Capital. However, foreign-controlled banks ranked Condition as third and Collateral as fourth and domestic-controlled banks ranked Collateral and Capital the same as the least.

AB - This research study was to find out how banks in Ghana rank the 5C’s in the evaluation of loan applicants. Based on the Yamane (1967) statistical formula among 35 banks in Ghana, 32 banks credit departments responded to this ranking survey. The results indicated in general that banks in Ghana rank from the order of importance: Capacity, Character, Collateral, Condition and Capital. However, foreign-controlled banks ranked Condition as third and Collateral as fourth and domestic-controlled banks ranked Collateral and Capital the same as the least.

KW - Capacity

KW - Character

KW - Collateral

KW - Condition

KW - Capital

M3 - Article

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JO - International Journal of Innovative Research and Advanced Studies

JF - International Journal of Innovative Research and Advanced Studies

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