Abstract: The article is devoted to solving the problems of analyzing the weight of the characteristics of potential borrowers — individuals in assessing their creditworthiness. The expediency of applying for this purpose the method of fuzzy multi-criteria analysis is substantiated, according to which the selection of the most creditworthy borrowers for a number of criteria is carried out on the basis of paired comparisons of alternatives. A feature of the proposed method is the application of the Bellman-Zadeh principle, according to which compensation for the lack of certain indicators by an overabundance of others is unacceptable. As a solution, the most attractive for lending is the potential borrower, which meets all the criteria to the greatest extent. In the course of the analysis a number of criteria for assessing the creditworthiness of individuals were formed and the influence of the criteria on the possibility of improving the efficiency of such an assessment was shown. The practical value of the research is the new knowledge gained on the impact of the selection criteria of individuals on the credit risk assessment, which in the future will serve as one of the tools to prevent costs from defaulting on loan commitments