| Value | Category |
|---|---|
| 1 | c. The repayment terms are easier to manage (not so strict on repayment amounts, timing) |
| 2 | d. It is the only option available/that I know of. |
| 3 | e. I simply could not pay landlord and/or utility provider |
| 4 | f. Other (please specify) |
| 5 | Has a solid finance situation |
| 6 | Trust others |
| Missing value |