| Value | Category | Cases | |
|---|---|---|---|
| -9 | Don't know (spontaneous) | 1 | 
                                                                 
                                    
                                    0.5%
                                 
                                                             | 
                                                        
                    
| 1 | No need for a loan - establishment had sufficient capital | 105 | 
                                                                 
                                    
                                    52%
                                 
                                                             | 
                                                        
                    
| 2 | Application procedures were complex | 5 | 
                                                                 
                                    
                                    2.5%
                                 
                                                             | 
                                                        
                    
| 3 | Interest rates were not favorable | 26 | 
                                                                 
                                    
                                    12.9%
                                 
                                                             | 
                                                        
                    
| 4 | Collateral requirements were too high | 9 | 
                                                                 
                                    
                                    4.5%
                                 
                                                             | 
                                                        
                    
| 5 | Size of loan and maturity were insufficient | 0 | 
                                                                 
                                    
                                    0%
                                 
                                                             | 
                                                        
                    
| 6 | Did not think it would be approved | 6 | 
                                                                 
                                    
                                    3%
                                 
                                                             | 
                                                        
                    
| 7 | Other | 50 | 
                                                                 
                                    
                                    24.8%
                                 
                                                             | 
                                                        
                    
| Sysmiss | 31 |