| Value | Category | Cases | |
|---|---|---|---|
| 1 | Not needed | 2072 | 
                                    
                                    4.4%
                                 | 
| 2 | Not available | 8745 | 
                                    
                                    18.7%
                                 | 
| 3 | Did not want to go into debt | 4913 | 
                                    
                                    10.5%
                                 | 
| 4 | Interest rate/cost too high | 1431 | 
                                    
                                    3.1%
                                 | 
| 5 | Did not know how to get credit | 17582 | 
                                    
                                    37.5%
                                 | 
| 6 | Difficult bureaucracy procedure | 1280 | 
                                    
                                    2.7%
                                 | 
| 7 | Credit granted too late | 318 | 
                                    
                                    0.7%
                                 | 
| 8 | Other | 165 | 
                                    
                                    0.4%
                                 | 
| 9 | Don't know about credit | 10317 | 
                                    
                                    22%
                                 | 
| Sysmiss | 1522 |