| Value | Category | 
|---|---|
| -99 | Refused to answer | 
| -88 | Not provided | 
| -77 | Not applicable | 
| -66 | Do not know | 
| -44 | |
| 1 | No need for a loan - establishment has sufficient capital | 
| 2 | Application procedures for loans or line of credit are compl | 
| 3 | Interest rates are not favorable | 
| 4 | Collateral requirements for loans or line of credit are unat | 
| 5 | Size of loan and maturity are insufficient | 
| 6 | Did not think it would be approved | 
| 7 | Other |