| Value | Category |
|---|---|
| 1 | ACK OF COLLATERAL |
| 2 | TOO EXPENSIVE (THE INTEREST RATE IS TOO HIGH) |
| 3 | THE REPAYMENT PERIOD IS TOO SHORT |
| 4 | FEAR OF LOSING COLLATERAL |
| 5 | BELIEVED WOULD BE REFUSED (FEAR OF BEING REJECTED) |
| 6 | DO NOT WANT HARASSMENT |
| 7 | DO NOT LIKE TO BE INDEBTED |
| 8 | ALREADY TOO INDEBTED |
| 2147483636 | OTHER (SPECIFY) |
| 11 | .S |
| Sysmiss |