The article discusses how banks assess loan requests using the "7 C's of credit" approach, which includes factors like cash flow, collateral, and character. The study focuses on how Bank Kerjasama Rakyat (M) Berhad in Malacca uses these 7 C's to evaluate loan proposals and manage credit risk. The researchers gathered data through interviews and observations, finding that the bank indeed applies all 7 C's in determining borrowers' creditworthiness. Additionally, the bank also uses other credit assessment approaches to make lending decisions.