Creditworthiness Criteria According to the 5Cs Model and Credit Decision: The Moderating Role of Intellectual Capital

Zaher Abdel Fattah Al-Slehat, Sufian Almanaseer, Bader Mustafa Mahmoud Al Sharif, Yazan Emnawer Al-Haraisa, Sulieman Daood Aloshaibat and Mohammad Abdlwhab Almahasneh
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Zaher Abdel Fattah Al-Slehat: Department of Business Economic, Business Faculty, Tafila Technical University, Tafilah, Jordan
Bader Mustafa Mahmoud Al Sharif: Department of Business Economic, Business Faculty, Tafila Technical University, Tafilah, Jordan
Yazan Emnawer Al-Haraisa: Department of Business Administration, Tafila Technical University, Tafilah, Jordan
Sulieman Daood Aloshaibat: Department of Business Economic, Business Faculty, Tafila Technical University, Tafilah, Jordan
Mohammad Abdlwhab Almahasneh: Department of Business Economic, Business Faculty, Tafila Technical University, Tafilah, Jordan

International Review of Management and Marketing, 2024, vol. 14, issue 6, 274-287

Abstract: 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.

Keywords: Creditworthiness (5Cs); Credit Decision; Intellectual Capital; Banks (search for similar items in EconPapers)
JEL-codes: F65 G21 G32 (search for similar items in EconPapers)
Date: 2024
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