| Value | Category |
|---|---|
| 1 | Does not need a loan |
| 2 | Application procedures are too burdensome |
| 3 | Collateral requirements are too strict |
| 4 | Interest rates are too high |
| 5 | It is necessary to make informal payments |
| 6 | Did not think it would be approved |
| 7 | Others (Specify) |
| 12 | |
| 13 | |
| 14 | |
| 23 | |
| 24 | |
| 26 | |
| 34 | |
| 123 | |
| 134 | |
| 234 | |
| 246 | |
| 247 | |
| 346 | |
| 2346 | |
| 2356 | |
| 23467 | |
| Sysmiss |