| Value | Category | Cases | |
|---|---|---|---|
| -9 | Don't know (spontaneous) | 1 | 
                                                                 
                                    
                                    0.6%
                                 
                                                             | 
                                                        
                    
| 1 | No need for a loan - establishment had sufficient capital | 34 | 
                                                                 
                                    
                                    20%
                                 
                                                             | 
                                                        
                    
| 2 | Application procedures were complex | 33 | 
                                                                 
                                    
                                    19.4%
                                 
                                                             | 
                                                        
                    
| 3 | Interest rates were not favorable | 37 | 
                                                                 
                                    
                                    21.8%
                                 
                                                             | 
                                                        
                    
| 4 | Collateral requirements were too high | 38 | 
                                                                 
                                    
                                    22.4%
                                 
                                                             | 
                                                        
                    
| 5 | Size of loan and maturity were insufficient | 1 | 
                                                                 
                                    
                                    0.6%
                                 
                                                             | 
                                                        
                    
| 6 | Did not think it would be approved | 12 | 
                                                                 
                                    
                                    7.1%
                                 
                                                             | 
                                                        
                    
| 7 | Other | 14 | 
                                                                 
                                    
                                    8.2%
                                 
                                                             | 
                                                        
                    
| Sysmiss | 39 |