| Value | Category |
|---|---|
| 1 | Could not provide security/collateral |
| 2 | Could not come up with my own contribution |
| 3 | Business was too risky/not feasible |
| 4 | My business was not registered |
| 5 | Did not have the right documentation |
| 6 | Did not have a credit record |
| 7 | Had bad credit history |
| 8 | Did not have a business plan |
| 9 | Don’t know |
| 99 | Other Specify |
| 101 | .N |
| Sysmiss |