| Value | Category | Cases | |
|---|---|---|---|
| Administrative decisions to solve problems in the available circumstances | 1 | 
                                    
                                    1.5%
                                 | |
| Already have a credit | 1 | 
                                    
                                    1.5%
                                 | |
| Because a lot of interest | 5 | 
                                    
                                    7.6%
                                 | |
| Because of floundering government decisions | 1 | 
                                    
                                    1.5%
                                 | |
| Because our sector is not one of the sectors affected | 1 | 
                                    
                                    1.5%
                                 | |
| Dealing with management is difficult | 1 | 
                                    
                                    1.5%
                                 | |
| Don't know | 1 | 
                                    
                                    1.5%
                                 | |
| Don't need it | 4 | 
                                    
                                    6.1%
                                 | |
| Don't want to | 4 | 
                                    
                                    6.1%
                                 | |
| High rate of interests | 1 | 
                                    
                                    1.5%
                                 | |
| I do not need | 19 | 
                                    
                                    28.8%
                                 | |
| I do not think in it | 1 | 
                                    
                                    1.5%
                                 | |
| I do not want | 3 | 
                                    
                                    4.5%
                                 | |
| I don’t do anything | 1 | 
                                    
                                    1.5%
                                 | |
| I refuse to take a loans | 1 | 
                                    
                                    1.5%
                                 | |
| I will apply next time | 1 | 
                                    
                                    1.5%
                                 | |
| It is not my busniss | 1 | 
                                    
                                    1.5%
                                 | |
| It is not serious | 1 | 
                                    
                                    1.5%
                                 | |
| Non-compliance of the conditions with the industrial sector | 1 | 
                                    
                                    1.5%
                                 | |
| Other | 3 | 
                                    
                                    4.5%
                                 | |
| Pay rate | 1 | 
                                    
                                    1.5%
                                 | |
| The company is closed right now so don't need a credit | 1 | 
                                    
                                    1.5%
                                 | |
| The loan is usury | 1 | 
                                    
                                    1.5%
                                 | |
| The manager doesn't want a credit with interests | 1 | 
                                    
                                    1.5%
                                 | |
| The responsible for the company is Saudi | 1 | 
                                    
                                    1.5%
                                 | |
| They submitted and refused | 1 | 
                                    
                                    1.5%
                                 | |
| Unable to repay | 6 | 
                                    
                                    9.1%
                                 | |
| Want credit with 0% | 1 | 
                                    
                                    1.5%
                                 | |
| We applied for rescheduling the loan but haven't heard anything | 1 | 
                                    
                                    1.5%
                                 |