Abstract
The creditworthiness analysis is based on preliminary research into the factors and the prerequisites that can influence the repayment of the credit in due course. The credit analysis is defined as a process of establishing the current creditworthiness of loan applicants and forecasting the trends in its development. Top priority goals and stages in the bank credit analysis are determined. Credit analysis is the method by which one calculates the creditworthiness of a business or organization. In other words, It is the evaluation of the ability of a company to honor its financial obligations. The audited financial statements of a large company might be analyzed when it issues or has issued bonds. Creditworthiness is how a lender determines that you will default on your debt obligations, or how worthy you are to receive new credit. Your creditworthiness is what creditors look at before they approve any new credit to you. Creditworthiness is determined by several factors including your repayment history and credit score. There are several ways you can improve your credit score to establish creditworthiness. The most obvious way is to pay your bills on time. Make sure you get current on any late payments or set up payment plans to pay off past due debt. Pay more than the minimum monthly payment to pay down debt faster and reduce the assessment of late fees. The principal aim, in this paper, is to investigate the factors that are considered in evaluating the creditworthiness of borrowers and lender countries by providing sufficient information about the credit undertaking and its risk level and the adoption of adequate measures for protection against credit risk.