survey_idno,sid,file_id,vid,name,labl,var_intrvl,var_dcml,var_wgt,var_start_pos,var_end_pos,var_width,var_imputation,var_security,var_respunit,var_qstn_preqtxt,var_qstn_qstnlit,var_qstn_postqtxt,var_qstn_ivulnstr,var_universe,var_sumstat,var_txt,var_catgry,var_codinstr,var_concept,var_format,var_notes ARG_2010_ES_v01_M_WB,396,F1,V170,k8,"Does This Establishment Have A Line Of Credit Or Loan From A Financial Inst.?",discrete,0,,,,,,,,,"At this time, does this establishment have a line of credit or a loan from a financial institution?","If answer is No or Don't Know then GO TO QUESTION K.16","A line of credit is an available amount of credit that the establishment can draw upon or leave untapped. Lines of credit usually carry monthly interest rates, and are repaid quickly (as soon as the establishment's cash flow allows for repayment). They may or may not have a defined date of expiration. A loan is generally a much less flexible form of finance. It comes in fixed amounts (rather than ranges), carry annual interest rates (either fixed or floating), and they carry a determined term to maturity (finite period for repayment). In case of more than one loan outstanding, consider the most recent acquired loan.",,"[{""value"":""1054"",""type"":""vald""},{""value"":""0"",""type"":""invd""}]",,"[{""value"":""-9"",""labl"":""Don\u2019t know"",""stats"":""0"",""type"":""freq""},{""value"":""1"",""labl"":""Yes"",""stats"":""609"",""type"":""freq""},{""value"":""2"",""labl"":""No"",""stats"":""445"",""type"":""freq""}]",,,numeric,