| Value | Category | Cases | |
|---|---|---|---|
| -9 | Don't know (spontaneous) | 0 | 
                                    
                                    0%
                                 | 
| 1 | No need for a loan - establishment had sufficient capital | 112 | 
                                    
                                    68.3%
                                 | 
| 2 | Application procedures were complex | 6 | 
                                    
                                    3.7%
                                 | 
| 3 | Interest rates were not favorable | 19 | 
                                    
                                    11.6%
                                 | 
| 4 | Collateral requirements were too high | 7 | 
                                    
                                    4.3%
                                 | 
| 5 | Size of loan and maturity were insufficient | 0 | 
                                    
                                    0%
                                 | 
| 6 | Did not think it would be approved | 1 | 
                                    
                                    0.6%
                                 | 
| 7 | Other | 19 | 
                                    
                                    11.6%
                                 | 
| Sysmiss | 51 |