| Value | Category |
|---|---|
| -9 | do not know |
| 1 | not enough steady income |
| 2 | required documents/information not available |
| 3 | loan amount was too small |
| 4 | institution is too far |
| 5 | it takes too long |
| 6 | interest rate is too high |
| 7 | not adequate collateral |
| 8 | not interested |
| Sysmiss |