| Value | Category |
|---|---|
| 1 | insufficient income |
| 2 | non-existence of a collateral (property, valuables) |
| 3 | problems connected with previous borrowing |
| 4 | the reason is unknown |
| 7 | he/she had not |
| 8 | because of the war |
| 9 | paynemt is stopped |
| 10 | the limit was terminated |
| 88 | do not know |
| 99 | refusal |
| Sysmiss |