| Value | Category | 
                                    
                    
                        | -9 | Missing | 
                                    
                    
                        | -8 | Don't know | 
                                    
                    
                        | -7 | Notappl | 
                                    
                    
                        | 1 | I don't trust banks | 
                                    
                    
                        | 2 | I keep money somewhere else | 
                                    
                    
                        | 3 | Fees are too expensive | 
                                    
                    
                        | 4 | I don't know where to start | 
                                    
                    
                        | 5 | I can not save/i am very poor | 
                                    
                    
                        | 6 | I don't have time to open a bank account | 
                                    
                    
                        | 7 | The nearest bank is too far away | 
                                    
                    
                        | 8 | Other(specify) | 
                                    
                    
                        | 9 | ALWAYS USE THE MONEY TO BUY GOODS | 
                                    
                    
                        | 10 | DONT HAVE NECESSARY DOCUMENTS | 
                                    
                    
                        | 11 | BUSINES IS STILL SMALL AND IS MAKING LESS | 
                                    
                    
                        | 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.