| Value | Category | 
                                    
                    
                        | 1 | The charges and fees are too high | 
                                    
                    
                        | 2 | There are no banks or institutions close to you | 
                                    
                    
                        | 3 | You do not meet minimum requirements | 
                                    
                    
                        | 4 | There is too much corruptions | 
                                    
                    
                        | 5 | Hours of operation not convenient | 
                                    
                    
                        | 6 | You don't have an identity document | 
                                    
                    
                        | 7 | You cannot affort to keep a minimum balance in the bank | 
                                    
                    
                        | 8 | You do not trust banks or other institutions | 
                                    
                    
                        | 9 | You prefer to deal in cash | 
                                    
                    
                        | 10 | You are too young to qualify to open an account | 
                                    
                    
                        | 11 | You never thought about it | 
                                    
                    
                        | 12 | Other | 
                            
            Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.