| Value | Category | Cases | |
|---|---|---|---|
| 1 | No account held with the bank | 0 |
0%
|
| 2 | No credible references | 3 |
5.7%
|
| 3 | No identity document | 0 |
0%
|
| 4 | No permanent address | 1 |
1.9%
|
| 5 | No pay slip | 7 |
13.2%
|
| 6 | Income too low | 10 |
18.9%
|
| 7 | Do not have formal employment | 10 |
18.9%
|
| 8 | Have too many other debts | 2 |
3.8%
|
| 9 | Cannot provide collateral | 15 |
28.3%
|
| 10 | Bank branch was closed | 0 |
0%
|
| 11 | Because of current government scheme | 1 |
1.9%
|
| 12 | Corrupted loan officers | 0 |
0%
|
| 13 | Application deadline was over | 1 |
1.9%
|
| 14 | Delay | 0 |
0%
|
| 15 | I did not look serious | 1 |
1.9%
|
| 16 | It was not the right time | 1 |
1.9%
|
| 17 | Favoritism | 0 |
0%
|
| 18 | Loan provider had problems / had no money | 0 |
0%
|
| 19 | I did not qualify | 0 |
0%
|
| 95 | Others | 1 |
1.9%
|
| 98 | Don't know / No reason | 0 |
0%
|
| 99 | Not specified | 0 |
0%
|
| Sysmiss | 3945 |