Which of the Following Is Not a Qualitative Factor in Credit

question 31

Multiple Choice

Which of the following is not a qualitative factor in credit risk analysis?

• A)Borrower reputation.
• B)Borrower ethnic origin.
• C)Leverage position of the borrower.
• D)The level of interest rates.
• E)Collateral available.

---

Definitions:

Aggregated Wealth

The total market value of all financial and non-financial assets owned by a group or country, minus liabilities.

Federation

A union of several groups, states, or organizations that are designed to work together for a common purpose, often seen in government structures or trade unions.

Independent Union

A labor union not affiliated with any national labor federation, operating autonomously to advocate for workers' rights and interests.

Strategic Decisions

High-level choices made by an organization's leadership that determine its direction and key priorities, often affecting its long-term success.