| Value | Category | Cases | |
|---|---|---|---|
| -9 | Don't know (spontaneous) | 0 | 
                                                                 
                                    
                                    0%
                                 
                                                             | 
                                                        
                    
| 1 | No need for a loan - establishment had sufficient capital | 65 | 
                                                                 
                                    
                                    69.1%
                                 
                                                             | 
                                                        
                    
| 2 | Application procedures were complex | 4 | 
                                                                 
                                    
                                    4.3%
                                 
                                                             | 
                                                        
                    
| 3 | Interest rates were not favorable | 7 | 
                                                                 
                                    
                                    7.4%
                                 
                                                             | 
                                                        
                    
| 4 | Collateral requirements were too high | 3 | 
                                                                 
                                    
                                    3.2%
                                 
                                                             | 
                                                        
                    
| 5 | Size of loan and maturity were insufficient | 1 | 
                                                                 
                                    
                                    1.1%
                                 
                                                             | 
                                                        
                    
| 6 | Did not think it would be approved | 3 | 
                                                                 
                                    
                                    3.2%
                                 
                                                             | 
                                                        
                    
| 7 | Other | 11 | 
                                                                 
                                    
                                    11.7%
                                 
                                                             | 
                                                        
                    
| Sysmiss | 20 |