| Value | Category |
|---|---|
| -9 | don't know |
| 1 | no need for a loan - establishment has sufficient capital |
| 2 | application procedures for loans or lines of credit are c |
| 3 | interest rates are not favorable |
| 4 | collateral requirements are too high |
| 5 | size of loan and maturity are insufficient |
| 6 | did not think it would be approved |
| 7 | other (including 'it is prohibited in islam') |
| Sysmiss |