| Value | Category |
|---|---|
| -99 | DK |
| -88 | Missing |
| -77 | NA |
| 1 | NO NEED FOR A LOAN |
| 2 | TRIED TO GET A LOAN BUT WAS REFUSED |
| 3 | NO-ONE AVAILABLE TO GET A LOAN FROM |
| 4 | EXPECTED TO BE REJECTED, SO DID NOT TRY TO GET ONE |
| 5 | I HAVE NO ASSETS FOR COLLATERAL |
| 6 | AFRAID OF LOSING COLLATERAL |
| 7 | AFRAID THAT I CANNOT PAY BACK |
| 8 | INTEREST RATES TOO HIGH |
| 9 | OTHERS |