| Value | Category |
|---|---|
| 1 | Does not need a loan |
| 2 | Application procedures are too burdensome |
| 3 | Collateral requirements are too strict |
| 4 | Interest rates are too high |
| 5 | It is necessary to make informal payments |
| 6 | Did not think it would be approved |
| 7 | Others (Specify) |
| 12 | |
| 13 | |
| 14 | |
| 15 | |
| 23 | |
| 24 | |
| 25 | |
| 34 | |
| 35 | |
| 36 | |
| 45 | |
| 125 | |
| 234 | |
| 235 | |
| 245 | |
| Sysmiss |