| Value | Category | 
|---|---|
| 0 | *no more reasons* | 
| 1 | Does not have a job | 
| 2 | Does not trust financial institutions | 
| 3 | Difficult to produce the required documentation | 
| 4 | Has no money to save | 
| 5 | Use someone else's account | 
| 6 | Too far away | 
| 7 | Doesn't want to pay user fees | 
| 8 | Other | 
| Sysmiss |