| Value | Category |
|---|---|
| 11 | Applied for loan but was refused |
| 12 | Applied and waiting for response |
| 13 | Believed would be refused |
| 14 | No need for loan |
| 15 | Too expensive |
| 16 | Too much trouble for what it is worth |
| 17 | Inadequate collateral |
| 18 | Do not like to be in debt |
| 19 | Do not know any lender |
| 20 | Fear not be able to pay |
| 21 | Other/ specify |
| Sysmiss |