| Value | Category |
|---|---|
| 1 | no credit history |
| 2 | bad credit history |
| 3 | still paying other loan / loans |
| 4 | no proper documentation |
| 5 | Inadequate collateral |
| 6 | i did not receive any explanation why loan was not given |
| 96 | other: specify |
| 98 | don't know |
| Missing value | |
| Sysmiss |