| Value | Category |
|---|---|
| 1 | No need for a loan |
| 2 | Application procedures were complex |
| 3 | Interest rates not favorable |
| 4 | Service fees not favorable |
| 5 | Collateral requirements too high |
| 6 | Terms (maturity and size) not sufficient |
| 7 | Did not think it would be approved |
| 8 | Other (specify) |
| 97 | Refuse |
| 98 | Don't know |
| 99 | Missing |
| Sysmiss |