| Value | Category | Cases | |
|---|---|---|---|
| -9 | Don't know (spontaneous) | 0 | 
                                    
                                    0%
                                 | 
| 1 | No need for a loan - establishment had sufficient capital | 185 | 
                                    
                                    35.6%
                                 | 
| 2 | Application procedures were complex | 84 | 
                                    
                                    16.2%
                                 | 
| 3 | Interest rates were not favorable | 118 | 
                                    
                                    22.7%
                                 | 
| 4 | Collateral requirements were too high | 69 | 
                                    
                                    13.3%
                                 | 
| 5 | Size of loan and maturity were insufficient | 5 | 
                                    
                                    1%
                                 | 
| 6 | Did not think it would be approved | 16 | 
                                    
                                    3.1%
                                 | 
| 7 | Other | 42 | 
                                    
                                    8.1%
                                 | 
| Sysmiss | 93 |