| Value | Category | Cases | |
|---|---|---|---|
| -9 | Don't know (spontaneous) | 9 | 
                                                                 
                                    
                                    0.8%
                                 
                                                             | 
                                                        
                    
| 1 | No need for a loan - establishment had sufficient capital | 809 | 
                                                                 
                                    
                                    69%
                                 
                                                             | 
                                                        
                    
| 2 | Application procedures were complex | 82 | 
                                                                 
                                    
                                    7%
                                 
                                                             | 
                                                        
                    
| 3 | Interest rates were not favorable | 129 | 
                                                                 
                                    
                                    11%
                                 
                                                             | 
                                                        
                    
| 4 | Collateral requirements were too high | 62 | 
                                                                 
                                    
                                    5.3%
                                 
                                                             | 
                                                        
                    
| 5 | Size of loan and maturity were insufficient | 6 | 
                                                                 
                                    
                                    0.5%
                                 
                                                             | 
                                                        
                    
| 6 | Did not think it would be approved | 34 | 
                                                                 
                                    
                                    2.9%
                                 
                                                             | 
                                                        
                    
| 7 | Other | 42 | 
                                                                 
                                    
                                    3.6%
                                 
                                                             | 
                                                        
                    
| Sysmiss | 273 |