| Value | Category | Cases | |
|---|---|---|---|
| -9 | Don't know (spontaneous) | 0 | 
                                                                 
                                    
                                    0%
                                 
                                                             | 
                                                        
                    
| 1 | No need for a loan - establishment had sufficient capital | 224 | 
                                                                 
                                    
                                    53.5%
                                 
                                                             | 
                                                        
                    
| 2 | Application procedures were complex | 10 | 
                                                                 
                                    
                                    2.4%
                                 
                                                             | 
                                                        
                    
| 3 | Interest rates were not favorable | 44 | 
                                                                 
                                    
                                    10.5%
                                 
                                                             | 
                                                        
                    
| 4 | Collateral requirements were too high | 28 | 
                                                                 
                                    
                                    6.7%
                                 
                                                             | 
                                                        
                    
| 5 | Size of loan and maturity were insufficient | 2 | 
                                                                 
                                    
                                    0.5%
                                 
                                                             | 
                                                        
                    
| 6 | Did not think it would be approved | 25 | 
                                                                 
                                    
                                    6%
                                 
                                                             | 
                                                        
                    
| 7 | Other | 86 | 
                                                                 
                                    
                                    20.5%
                                 
                                                             | 
                                                        
                    
| Sysmiss | 173 |