Luotollinen

Luotollinen is a Finnish adjective meaning trustworthy, credible, or reliable, with particular emphasis on financial reliability. In everyday language it can describe a person who is dependable, but in professional or financial contexts it is most often used to indicate good creditworthiness or a positive track record of fulfilling obligations. A luotollinen entity is considered to have a solid ability to meet payments and obligations.

Etymology and nuance: the word derives from luotto, meaning credit or trust, combined with the suffix -llinen, which denotes characteristic or possessing something. Literally, luotollinen conveys “having credit” or “characterized by credibility.” The term carries a formal tone and is more common in business, banking, and credit discussions than in casual speech.

Usage: in banking and finance, luotollinen can describe customers, suppliers, or institutions with a favorable repayment history or strong credit history. For example, a luotollinen yritys (creditworthy company) is often able to obtain better credit terms or lower interest rates. In non-financial contexts, it can still convey reliability and integrity, though synonyms such as luotettava or uskottava are more frequent in everyday language.

Related terms: luottoluokitus (credit rating), luottokelpoisuus (creditworthiness), and luotonanto (lending) are commonly used alongside luotollinen in financial discussions.