Day by day, our life spectrum is widening, and new technologies are introduced. Computers remain a crucial part in our lives as they are present in all aspects that we encounter. Countless individuals use a computer before the day ends to perform multiple functions. Surprisingly, not many people understand how a computer works, or even think about the changes introduced by the devices. Computer technology is associated with a constant changing nature, and this makes it hard to establish ethics and moral codes to govern the use of computers in people’s life. The American Heritage Dictionary defines ethics as "The rules or ...
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Chapter Two: Real Estate Lending Decision in Kuwaiti Banks
Literature Review
The five Cs of credit model – character, collateral, capital, conditions and capacity, all serve as important indicators for gauging the inclination and aptitude of debtors in fulfilling the obligations they have to their respective creditors (Sraeel, 2005, p. 40, par. 5; Strischek, 2009, par. 2). It is thus advisable for creditors to make their decisions based on the five Cs of credit model in order for them to assess the creditworthiness of their respective debtors properly (Strischek, 2011, par. 1). The prominence of the five Cs of credit model resurged most recently during the 2008 global financial ...
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