| Value | Category |
|---|---|
| -9 | don't know |
| -8 | refused to answer |
| -7 | not applicable |
| -6 | still in process |
| -5 | application denied |
| -4 | skipped |
| -3 | not provided |
| 1 | no need for a loan - establishment has sufficient capital |
| 2 | application procedures are complex |
| 3 | interest rates are not favorable |
| 4 | collateral requirements are unattainable |
| 5 | size of loan and maturity are insufficient |
| 6 | did not think it would be approved |
| 7 | other |