| Value | Category |
|---|---|
| 1 | Monthly income and repayment capacity of a borrower |
| 2 | Welfare and needs of a borrower for funds |
| 3 | Provision of collateral or guarantee for credit |
| 4 | Cred. are prov. to everyb. bas. on appl. and turns of clien |
| 5 | Registration at bank |
| 6 | Based on business plan |
| 9 | Through acquaintance |
| 98 | I find it difficult to answer this question |
| 99 | No answer |