| Value | 
                    Category | 
                                                                            
                                    
                    
                        | 0 | 
                        *no more reasons*  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 1 | 
                        Too high charges, fees  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 2 | 
                        No banks close to the household  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 3 | 
                        Minimum requirements not met  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 4 | 
                        Too much corruption  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 5 | 
                        Inconvenient hours of operation, processing too long  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 6 | 
                        Does not have identity documents  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 7 | 
                        Can't afford minimum balance  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 8 | 
                        Doesn't trust banks  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 9 | 
                        Prefers to deal in cash  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 10 | 
                        Too young to qualify  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 11 | 
                        Never thought about, no need  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 12 | 
                        Others  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | Sysmiss | 
                          | 
                        
                            
                        
                        
                        
                        
                            
                    
                            
            Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.