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1 INTRODUCTION For decades, lenders have assessed the five Cs of credit—character, capacity, capital, conditions, and collateral—to gauge the creditworthiness of potential borrowers. As one of the most critical factors, the character component helps lenders determine whether a borrower is willing to repay the loan. In lending practices, lenders strongly consider providing loans to borrowers who pass the character hurdle (Melnick, 2021).
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