| Value | Category |
|---|---|
| 1 | Some business owners do not work hard enough. |
| 2 | Some business owners are not skilled enough. |
| 3 | Some businesses suffer losses which are not their owners' fault. |
| 4 | Some businesses suffer losses from credit given to customers. |
| 5 | Some businesses suffer losses because of government policies. |
| 6 | Other |
| Sysmiss |