| 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 |