This is the time to make sure that the customer is creditworthy. Most debtors (customers) fully intend to pay their debts, but many executives tend to be too optimistic about their financial condition and future prospects, and thus find themselves short of funds.
Hii ni mara ya kuhakikisha kwamba wateja ni creditworthy. wadaiwa wengi (wateja) kikamilifu na nia ya kulipa madeni yao, lakini watendaji wengi huwa na kuwa pia matumaini kuhusu hali yao ya kifedha na matarajio ya baadaye, na hivyo wanajikuta short ya fedha.