| Value | Category | Cases | |
|---|---|---|---|
| -9 | Don't know (spontaneous) | 7 | 
                                    
                                    1.3%
                                 | 
| 1 | No need for a loan - establishment had sufficient capital | 454 | 
                                    
                                    86.6%
                                 | 
| 2 | Application procedures were complex | 9 | 
                                    
                                    1.7%
                                 | 
| 3 | Interest rates were not favorable | 13 | 
                                    
                                    2.5%
                                 | 
| 4 | Collateral requirements were too high | 10 | 
                                    
                                    1.9%
                                 | 
| 5 | Size of loan and maturity were insufficient | 1 | 
                                    
                                    0.2%
                                 | 
| 6 | Did not think it would be approved | 5 | 
                                    
                                    1%
                                 | 
| 7 | Other | 25 | 
                                    
                                    4.8%
                                 | 
| Sysmiss | 431 |