The 7 “C’s” (elements) of Credit is , credit rating, collateral , character, capital, capacity, covenants, conditions. (1) Which of the elements is

The 7 “C’s” (elements) of Credit is , credit rating, collateral , character, capital, capacity, covenants, conditions.
(1) Which of the elements is related to ratio analysis?
(2) Can the elements be used to assess debt and equity investments?
(3) How character and conditions can affect a decision to lend money?
 
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