| 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 |