I.

PURPOSE

The objective of this research is to present the creditworthiness evaluation for Fabiola
Shanna T. Branzuela.

We are assessing about Ms. Branzuela’s creditworthiness; the researchers have considered
few consumptions:

 Ms. Branzuela will borrow an amount of 40,000

 Mr. Branzuela will use the borrowed money for a new laptop
 Mr. Branzuela will pay its debt for 6 months.

II. INDIVIDUALS PROFILE

Name: Fabiola Shannah T. Branzuela

Born: November 14, 1995

Residence: Purok 3 Ampayon, Butuan City

Nationality: Filipino

Education: Caraga State University

Occupation: Public School Teacher

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 III. FINANCIAL ANALYSIS

A. Character
Ms. Branzuela is honest and have integrity. She is a public school teacher in the
Municipality of Loreto Agusan Del Sur.

B. Capacity

DTER = TOTAL LIABILITIES

NET WORTH

= ____17,500__
100,000
= 0.175
C. Capital

Total Earnings 100,000

Less: Phil heath 2,400

Loan 17,500

Net pay 80,100

D. Collateral

As for the collateral, if Ms. Branzuela’s credit will approved, he has the following:
 Monthly Income 18,000

Assets: Laptop 38,000

Jewelries 50,000

In case Ms. Branzuela is failure to pay-off its debt by 6 monts from now, his collateral is enough
to cover his debt.

E. Condition

The credit analyst believes that the purpose of loan is for buying a new laptop for applying
as a part time online teacher. The current conditions of Ms. Branzuela is she has a stable
job. she has also the collateral in case his credit will default. The respective borrower can
be perfectly assessed in terms of his reputation, profitability, and assets.

F. Confidence

The client relationship between the borrower and lender is important to this transaction.
Based on the details given by the borrower, the lender gives trust and being confident that
Ms. Branzuela could pay his monthly debt obligations.

IV. COMPREHENSIVE ANALYSIS

When analyzing creditworthiness, along with the required prequisites for credit worthiness is
necessary to carry out a comprehensive study of the factors that determine it. It is believed that
creditworthiness depends on several major factors: the borrower efficiency, his reputation, his
capacity for profit making, the value of his assets, the state of economic situation, his
profitability, etc. Based on the character of the borrower, she has an integrity to settle his
financial dealings so that lenders can provide a loan on any terms considering that she has a
stable job. The capacity of the borrower is favorable because the DTER is 0.175, she has the
ability to meet his current obligations.