| Value | Category |
|---|---|
| -88 | Other (specify) |
| 1 | Unaware of the procedure for applying for the loan |
| 2 | Could not get permission from the SHG/ VO |
| 3 | Has not saved regularly |
| 4 | Could not get a doctor?s note certifying a genuine |
| 5 | Process of acquiring loan is time consuming |
| 6 | The previous loan has not been repaid |
| Sysmiss |