| Value | Category |
|---|---|
| -9 | Don't know (spontaneous) |
| 1 | No obstacle |
| 2 | Application procedures were complex |
| 3 | Interest rates were not favorable |
| 4 | Collateral requirements were too high |
| 5 | Size of loan and maturity were insufficient |
| 6 | Lack of credit record |
| 7 | Poor credit record |
| 8 | Other not mentioned above |
| Sysmiss |