| Value | Category | 
|---|---|
| -9 | Don't know (spontaneous) | 
| 1 | No need for a loan - establishment had sufficient capital | 
| 2 | Application procedures were complex | 
| 3 | Interest rates were not favorable | 
| 4 | Collateral requirements were too high | 
| 5 | Size of loan and maturity were insufficient | 
| 6 | Did not think it would be approved | 
| 7 | Other | 
| Sysmiss |