| Value | Category |
|---|---|
| -9 | Don't know |
| -8 | Refused to answer |
| -7 | Not applicable |
| -6 | Still in process |
| -5 | Application denied |
| -4 | Skipped |
| -3 | Not provided |
| 1 | No need for a loan - establishment has sufficient capital |
| 2 | Application procedures are complex |
| 3 | Interest rates are not favorable |
| 4 | Collateral requirements are unattainable |
| 5 | Size of loan and maturity are insufficient |
| 6 | Did not think it would be approved |
| 7 | Other |