| Value | Category |
|---|---|
| 1 | Lack creditor |
| 2 | High interest rate |
| 3 | Bureacratic credit administration |
| 4 | Others |
| 5 | No problem |
| 6 | Inability to pay the down payment |
| 7 | Fear of loan |
| 8 | Delay/shortage of supply |
| 9 | Not participating in extension program |
| 10 | High price |
| 11 | Don`t know |