| Value | Category |
|---|---|
| -9999 | Dont know |
| -8888 | Not applicable |
| -6666 | Missing |
| 1 | Do not need it |
| 2 | Lack of security/collateral |
| 3 | Lot of requirement |
| 4 | Inability to repay |
| 5 | Does not qualify |
| 6 | High intrest rate |
| 7 | Scared of taking loan/risk |
| 8 | Age group restriction |
| 9 | Bank declined |
| 10 | Difficult to get loan |
| 11 | Lack of knowledge |
| 12 | Fear for applying for loan |