| Value | Category |
|---|---|
| 1 | lack of collateral |
| 2 | no need for credit |
| 3 | high interest rates/ high bank fees |
| 4 | high interest rates/ high bank fees |
| 5 | past default |
| 6 | not able to repay / no more credit worthiness |
| 7 | do not like to be in debt |
| 8 | bank/moneylender will not give additional loan |
| 9 | other |
| Sysmiss |