| Value | Category | Cases | |
|---|---|---|---|
| -9 | Don't know (spontaneous) | 7 | 
                                    
                                    5.1%
                                 | 
| 1 | No need for a loan - establishment had sufficient capital | 79 | 
                                    
                                    57.2%
                                 | 
| 2 | Application procedures were complex | 5 | 
                                    
                                    3.6%
                                 | 
| 3 | Interest rates were not favorable | 11 | 
                                    
                                    8%
                                 | 
| 4 | Collateral requirements were too high | 13 | 
                                    
                                    9.4%
                                 | 
| 5 | Size of loan and maturity were insufficient | 14 | 
                                    
                                    10.1%
                                 | 
| 6 | Did not think it would be approved | 6 | 
                                    
                                    4.3%
                                 | 
| 7 | Other | 3 | 
                                    
                                    2.2%
                                 | 
| Sysmiss | 12 |