| Value | 
                    Category | 
                                                                            
                                    
                    
                        | -9 | 
                        don't know  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 1 | 
                        no need for a loan - establishment has sufficient capital  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 2 | 
                        application procedures for loans or lines of credit complex  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 3 | 
                        interest rates are not favorable  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 4 | 
                        collateral requirements are too high  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 5 | 
                        size of loan or maturity are insufficient  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 6 | 
                        it is necessary to make informal payments to get bank loans  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 7 | 
                        did not think it would be approved  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 8 | 
                        other  | 
                        
                            
                        
                        
                        
                        
                            
                    
                                    
                    
                        | 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.