| Value | Category |
|---|---|
| -9 | don't know |
| 1 | no need for a loan - establishment has sufficient capital |
| 2 | application procedures for loans or lines of credit are comp |
| 3 | interest rates are not favorable |
| 4 | collateral requirements are too high |
| 5 | size of loan or maturity are insufficient |
| 6 | did not think it would be approved |
| 7 | other |
| 8 | it is necessary to make informal payments to get bank loans |
| Sysmiss |