1) Ecobank uses a credit-scoring system to evaluate most consumer loans that amount to more than C40000. The key factors used in its scoring system are shown in the table below. The Badu family has two wage earners who have held their present jobs for 20 months. They have lived at their current street address for one year, where they rent on a five-month lease. Their credit report is excellent but shows only one previous charge. However, they are actively using two credit cards right now to help with household expenses. Yesterday, they opened an account at Ecobank and deposited C3000. Badu's have asked for a C50000 loan to purchase a used car and some furniture. The bank has a cut-off score in its scoring svstem of 30 noints. Justify whether you would you make this loan for two years as they have requested or not? 2) Discuss the key features of a standard credit model