The practise of credit analysis of selected commercial banks / Puteri Salmah Megat Shamsuddin

This research paper is undertaken with the hope to determine the factors that are taken into consideration by the credit analysis stage of evaluating a loan application. The writer however feels that she was unable to fully fulfill the objectives the best that she can. Only one type of loan from one sector, the housing sector, was taken as an example and so it was difficult to determine whether problem loans in this sector contribute to a higher uncollectable loan for the commercial banks as a whole. This information was however not given to the writer when interviewing the credit personnel at the banks.