Which aspect is NOT considered in determining creditworthiness?

When assessing an individual's creditworthiness, lenders typically evaluate several key factors, which include character, capacity, and capital.

Character refers to a borrower's credit history and reliability in repaying debts, reflecting their commitment to honoring financial obligations. Capacity examines the borrower's income and ability to repay the loan, focusing on the individual's financial stability and current debt levels. Capital looks at the assets or net worth a borrower possesses, which can be used as security against the loan.

In contrast, social status is not a valid determinant of creditworthiness. It does not provide concrete information about a person's financial behavior, ability to repay debt, or responsibility. Instead, credit decisions should be made based on objective financial criteria rather than subjective characteristics related to social standing, ensuring fairness and consistency in lending practices.