| Value | Category | 
|---|---|
| -99 | Refused to answer | 
| -88 | Not provided | 
| -77 | Not applicable | 
| -66 | Do not know | 
| -44 | |
| 1 | Collateral or cosigners unacceptable | 
| 2 | Insufficient profitability | 
| 3 | Problems with credit history/report | 
| 4 | Incompleteness of loan application | 
| 5 | Concerns about level of debt already incurred | 
| 6 | Other objections |