The general economic situation, and the industry conditions, will certainly have a bearing on the credit decision, though most credit managers give more importance to character and past performance.
ujumla hali ya uchumi, na hali ya sekta hiyo, bila ya shaka kuwa na kuzaa uamuzi mikopo, ingawa wengi mikopo mameneja kutoa umuhimu zaidi kwa tabia na utendaji uliopita.