| Value | Category | Cases | |
|---|---|---|---|
| -9 | Don't know (spontaneous) | 2 | 
                                                                 
                                    
                                    0.8%
                                 
                                                             | 
                                                        
                    
| 1 | No need for a loan - establishment had sufficient capital | 33 | 
                                                                 
                                    
                                    13%
                                 
                                                             | 
                                                        
                    
| 2 | Application procedures were complex | 46 | 
                                                                 
                                    
                                    18.2%
                                 
                                                             | 
                                                        
                    
| 3 | Interest rates were not favorable | 41 | 
                                                                 
                                    
                                    16.2%
                                 
                                                             | 
                                                        
                    
| 4 | Collateral requirements were too high | 39 | 
                                                                 
                                    
                                    15.4%
                                 
                                                             | 
                                                        
                    
| 5 | Size of loan and maturity were insufficient | 7 | 
                                                                 
                                    
                                    2.8%
                                 
                                                             | 
                                                        
                    
| 6 | Did not think it would be approved | 20 | 
                                                                 
                                    
                                    7.9%
                                 
                                                             | 
                                                        
                    
| 7 | Other | 65 | 
                                                                 
                                    
                                    25.7%
                                 
                                                             | 
                                                        
                    
| Sysmiss | 111 |