| Value | Category |
|---|---|
| 1 | No need for a loan |
| 2 | Application procedures were complex |
| 3 | Interest rates not favorable |
| 4 | Service fees not favorable |
| 5 | Collateral requirements too high |
| 6 | Terms (maturity and size) not sufficient |
| 7 | Did not think it would be approved |
| 1000 | Other (specify) |
| 2147483622 | Don't know |
| 2147483623 | Refused to respond |
| 11 | .Z |
| Sysmiss |