| Value | Category | Cases | |
|---|---|---|---|
| 1 | Bad credit record, have too many debt | 1 |
10%
|
| 2 | No credit history | 1 |
10%
|
| 3 | Insufficient income of assets | 1 |
10%
|
| 4 | No account held with bank | 0 |
0%
|
| 5 | Lack of formal paper work | 0 |
0%
|
| 6 | No reason given | 5 |
50%
|
| 7 | Other | 2 |
20%
|