Creditworthiness Criteria According to the 5Cs Model and Credit Decision: The Moderating Role of Intellectual Capital - Zaher Abdel Fattah Al-Slehat; Sufian Radwan Almanaseer; Bader Mustafa Mahmoud Al Sharif; Yazan Emnawer Al-Haraisa; Sulieman Daood Aloshaibat; Mohammad Abdlwhab Almahasneh (International Review of Management and Marketing)