Questionnaire for Loan Officers About (Potential) Marginal Clients
ANSWER
Branch (Name)
Loan Officer (Name)
Date
Name of (Potential) Marginal Client
Reference Nr of (Potential) Marginal Client
ASSESSMENT
ANSWER
Does the (potential) marginal client conform to the following requirement of
EKI?
1 Sufficient Collateral
Yes / No
Yes No
2 Repayment Capacity
3 Creditworthiness
4 Business Capacity
5 Credit history
6 other (SPECIFY)
Of the categories where the client does not conform to EKIs requirements,
which
do youwhere
find most
worrisome?
Of the one
categories
the client
does not conform to EKIs requirements,
which one do you find least worrisome?
IMPRESSION OF THE Applicant’s PERSONALITY
The applicant appears to
me to be:
1 - totally agree
2 - agree
3 - somewhat agree
4 - disagree
Do you think this
character trait will
influence the
prospective client’s
business success?
Yes / No
5 - totally disagree
6 - don’t know
1 - Competent
2 - Reliable
3 - Trustworthy
4 - Knowledgeable
5 - Experienced
6 - Well-integrated into society
7 - Clever
8 - Risk-taking
9 - A fighter
10 - aggressive
11 - stable
12 - insecure
Which of these character traits makes the prospective client most risky?
EXPECTATIONS
We would like to get your opinion about your expectations with respect to profits of the business for which the applicant
wants the loan from EKI. By profit we mean total revenue (income that your business receives from its normal activities,
such as from the sale of goods and services to customers) minus total expenses in the specified period. The profit is
before paying the loan installment and interest on the loan the applicant potentially receives from EKI.
For this client, please indicate whether you prefer to
Month / Year
think about profit on a monthly or yearly basis.
1 - Month
2 - Year
Imagine that the loan applicant receives the loan from
EKI and has a very good month/year, economic
conditions are flourishing and stable and there is great
demand for the client’s product/services… What would
be the MAXIMUM amount of profit (in KM) this business
would receive in such a situation over the next
month/year?
Now imagine the total opposite: The loan applicant still
receives the loan from EKI but economic conditions
are bad and demand for the product/service is low…
What would be the MINIMUM amount of profit this
business would receive in such a situation over the
next month/year?
AMOUNT (in KM):
AMOUNT (in KM):
MIN:
0
A:
0
B:
0
MAX:
0
How likely is it that in the next month/year the profit of the business for which the
client intends to use the loan from EKI is between MIN and A? [Enter Probability, %]
How likely is it that in the next month/year the profit of the business for which the
client intends to use the loan from EKI is between A and B? [Enter Probability, %]
How likely is it that in the next month/year the profit of the business for which the
client intends to use the loan from EKI is between B and MAX? [Enter Probability, %]
How likely do you think it is that the prospective client will NOT be late in
paying all instalments? (Percentage 0-100)
How likely do you think it is that the prospective client will at some point
during the term of the loan be more than one month late in paying ONE
instalment? (Percentage 0-100)
How likely do you think it is that the prospective client will at some point
during the term of the loan be late in paying MORE than ONE instalments?
(Percentage 0-100)
What do you think will be the most likely cause (or three most likely causes)
for the prospective client to be late with payment of one or more
Other:
instalments?
In case things go bad with the business, do you think the prospective client
has a network (family/friends/acquaintances) that will help him/her to repay
instalments (on time)? Yes / No
How likely do you think it is that the prospective client will default on the
loan? (Percentage 0-100)
What do you think will be the most likely cause for the prospective client not
to repay one or more instalments?
Yes
Other:
* 1 - Start up problem
2 - Temporary Liquidity Problem
3 - temporary negative business performance due to negative economic environment
4 - temporary negative business performance due to bad management skills
5 - bankruptcy due to negative economic environment
6 - bankruptcy due to bad management skills
7 - Fraud
8 - other (SPECIFY)
* See below
No