| Value | Category |
|---|---|
| 1 | No need |
| 2 | Believed would be refused |
| 3 | Too expensive |
| 4 | Do not have assets to guarantee the loan (no collateral) |
| 5 | Not eligible |
| 6 | Do not like to be in debt |
| 7 | Do not know any lender |
| 8 | Would not have money to pay back |
| 97 | Other |
| 98 | DK |
| 99 | Refuse to answer |
| Sysmiss |