| Value | Category |
|---|---|
| 1 | 1. BELIEVE IT WOULD BE REFUSED |
| 2 | 2. TOO EXPENSIVE/HIGH INTEREST RATE |
| 3 | 3. TOO MUCH TROUBLE FOR WHAT IS WORTH |
| 4 | 4. INADEQUATE/NO COLLATERAL |
| 5 | 5. DO NOT LIKE TO BE IN DEBT |
| 6 | 6. DO NOT KNOW ANY LENDER |
| 7 | 7. BAD CREDIT HISTORY |
| 8 | 8. STILL REPAYING OTHER LOAN |
| 9 | 9. AGAINST MY RELIGION |
| 96 | 96. OTHER (SPECIFY) |
| Sysmiss |