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.

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Definitions:

Prosocial

Behavior that is intended to benefit others, including acts of kindness, sharing, and cooperating.

Antisocial

Behavior that opposes the societal norms, exhibiting disregard for the well-being of others.

Conformity

The act of matching attitudes, beliefs, and behaviors to group norms or expectations.

Empathy

The capacity to understand or feel what another person is experiencing from within their frame of reference, that is, the capacity to place oneself in another's position.