| Value | 
                    Category | 
                                                                            
                                    
                    
                        | 1 | 
                        do not need loans  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 2 | 
                        application procedures for bank loans are too burdensome  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 3 | 
                        collateral requirements of bank loans are too strict  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 4 | 
                        interest rates are too high  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 5 | 
                        it is necessary to have contacts or give informal payments  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 6 | 
                        did not think that it would be approved  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 7 | 
                        it could create complications with tax administration  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 8 | 
                        did not want to deal in interest rates  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 96 | 
                        other (specify)  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | Sysmiss | 
                          | 
                        
                            
                        
                        
                        
                        
                            
                    
                            
            Warning: these figures indicate the number of cases found in the data file. They cannot be interpreted as summary statistics of the population of interest.