| Value | Category | Cases | |
|---|---|---|---|
| 1 | High interest rate | 75 |
11.8%
|
| 2 | High other costs (application fee, processing fee, waiting t | 3 |
0.5%
|
| 3 | Lender too far | 4 |
0.6%
|
| 4 | Insufficient collateral | 32 |
5%
|
| 5 | Afraid cannot payback in time and of losing collateral | 79 |
12.5%
|
| 6 | Afraid cannot payback and incurring extra fee | 149 |
23.5%
|
| 7 | Afraid cannot payback and lose reputation | 93 |
14.7%
|
| 8 | Too much debt already | 8 |
1.3%
|
| 9 | Outstanding debt needs to be repaid before getting new credi | 13 |
2.1%
|
| 10 | Think lender would not approve credit | 35 |
5.5%
|
| 11 | No need for credit | 125 |
19.7%
|
| 12 | Other | 18 |
2.8%
|
| Sysmiss | 1741 |