| Value | Category |
|---|---|
| -777 | Not applicable |
| -666 | dont know |
| 1 | Lack of accepted collateral |
| 2 | Incompleteness of application |
| 3 | Perceived lack of profitability of project |
| 4 | Bad credit history |
| 5 | The Bank refused to give the loan for a duration of 3 years |
| 92 | Not applicable |
| 95 | Refused |
| 97 | dont know |
| 995 | Refused |
| 999 | N/A |
| Sysmiss |