| Value | Category | 
|---|---|
| -99 | Don?t know/don?t remember | 
| -88 | Other (specify) | 
| 1 | Not enough money in the HRF | 
| 2 | Someone more needy was given the loan | 
| 3 | Did not follow the correct procedure | 
| 4 | SHG members did not approve request | 
| 5 | VO executive members did not approve request | 
| 6 | Previous loan has not been repaid | 
| 7 | Does not attend SHG meetings regularly | 
| Sysmiss |