same city/county - inst1
same city/county - inst2
same city/county - inst3
same city/county - inst4
same city/county - inst5
same city/county - inst6
same city/county - inst7
same city/county - inst8
same city/county - inst9
same city/county - inst10
same city/county - inst11
same city/county - inst12
same city/county - inst13
same city/county - inst14
same city/county - inst15
same city/county - inst16
same city/county - inst17
same city/county - inst18
same city/county - inst19
same city/county - inst20
same city/county - inst21
same city/county - inst22
same city/county - inst23
method conduct business - inst1
method conduct business - inst2
method conduct business - inst3
method conduct business - inst4
method conduct business - inst5
method conduct business - inst6
method conduct business - inst7
method conduct business - inst8
method conduct business - inst9
method conduct business - inst10
method conduct business - inst11
method conduct business - inst12
method conduct business - inst13
method conduct business - inst14
method conduct business - inst15
method conduct business - inst16
method conduct business - inst17
method conduct business - inst18
method conduct business - inst19
method conduct business - inst20
method conduct business - inst21
method conduct business - inst22
method conduct business - inst23
reason use-1 - inst1
reason use-1 - inst2
reason use-1 - inst3
reason use-1 - inst4
reason use-1 - inst5
reason use-1 - inst6
reason use-1 - inst7
reason use-1 - inst8
reason use-1 - inst9
reason use-1 - inst10
reason use-1 - inst11
reason use-1 - inst12
reason use-1 - inst13
reason use-1 - inst14
reason use-1 - inst15
reason use-1 - inst16
reason use-1 - inst17
reason use-1 - inst18
reason use-1 - inst19
reason use-1 - inst20
reason use-1 - inst21
reason use-1 - inst22
reason use-1 - inst23
reason use-2 - inst1
reason use-2 - inst2
reason use-2 - inst3
reason use-2 - inst4
reason use-2 - inst5
reason use-2 - inst6
reason use-2 - inst7
reason use-2 - inst8
reason use-2 - inst9
reason use-2 - inst10
reason use-2 - inst11
reason use-2 - inst12
reason use-2 - inst13
reason use-2 - inst14
reason use-2 - inst15
reason use-2 - inst16
reason use-2 - inst17
reason use-2 - inst18
reason use-2 - inst19
reason use-2 - inst20
reason use-2 - inst21
reason use-2 - inst22
reason use-2 - inst23
reason use-3 - inst1
reason use-3 - inst2
reason use-3 - inst3
reason use-3 - inst4
reason use-3 - inst5
reason use-3 - inst6
reason use-3 - inst7
reason use-3 - inst8
reason use-3 - inst9
reason use-3 - inst10
reason use-3 - inst11
reason use-3 - inst12
reason use-3 - inst13
reason use-3 - inst14
reason use-3 - inst15
reason use-3 - inst16
reason use-3 - inst17
reason use-3 - inst18
reason use-3 - inst19
reason use-3 - inst20
reason use-3 - inst21
reason use-3 - inst22
reason use-3 - inst23
years of business-inst1
years of business-inst2
years of business-inst3
years of business-inst4
years of business-inst5
years of business-inst6
years of business-inst7
years of business-inst8
years of business-inst9
years of business-inst10
years of business-inst11
years of business-inst12
years of business-inst13
years of business-inst14
years of business-inst15
years of business-inst16
years of business-inst17
years of business-inst18
years of business-inst19
years of business-inst20
years of business-inst21
years of business-inst22
years of business-inst23
verify hq
verify for profit
verify non govt
in business 1992
organization type
type in 1992
limited partners yes/no
area of sales
export yes/no
independent/franchise
pension plan
health insurance
training problem
worker's comp problem
health insurance cost problem
credit market problem
irs problem
environmental problem
disabilities act problem
osha problem
family/medical leave act problem
checking-inst1
checking-inst2
checking-inst3
savings-inst1
savings-inst2
savings-inst3
leases-inst1
leases-inst2
leases-inst3
mortgages-inst1
mortgages-inst2
mortgages-inst3
motor vehicle loans-inst1
motor vehicle loans-inst2
motor vehicle loans-inst3
equipment loans-inst1
equipment loans-inst2
equipment loans-inst3
other loans-inst1
other loans-inst2
other loans-inst3
lines of credit-inst1
lines of credit-inst2
lines of credit-inst3
solicited by institution
solicited by inst and obtained credit
trade credit used yes/no
suppliers-cash discounts
tc-portion of cash discounts used
tc-made late payments
tc-frequency of late payments
tc-s1-discount for early payment
tc-time bill was due in full
tc-ever denied
short-term credit needed
short-term credit needed-source
new equity yes/no
new equity-from shareholders
new equity-successful
new equity-security type sold
new equity-when discussions stopped
new equity-able to undertake plans
new equity-sources-venture capital
new equity-sources-public equity
most recent equity-venture capital
most recent equity-public equity
sample partition
sample msa/non-msa
acct/tax records cover entire 12 months
1992 sales versus 1990 sales
primary institution
pwcode (case identifier)
sample region code
sample business size code
first of top 6 institutions
second of top 6 institutions
third of top 6 institutions
fourth of top 6 institutions
fifth of top 6 institutions
sixth of top 6 institutions
owner declared bankruptcy in past 7 year
owner delinquent on personal obligations
firm delinquent on business obligations
judgments rendered against owner
1993 full time employees
1993 part time employees
1990 full time employees
1990 part time employees
1993 employees hired
1993 employees left
1993 r&d employees
fy92 end day
fy92 end month
fy92 end year
credit-related services insts
brokerage insts
number of general partners
number of stockholders
percent owned by limited partners
cash management insts
checking insts
line of credit insts
sites
sites in same msa/county
percent export
checking yes/no
savings yes/no
checking-balance1
checking-balance2
checking-balance3
savings-balance1
savings-balance2
savings-balance3
equipment loans-insts
credit cards-business
credit cards-personal
credit card-new charges
credit cards-balance
credit card-limit
lines of credit yes/no
leases yes/no
mortgage yes/no
vehicle yes/no
equipment yes/no
loans from owners yes/no
loans from owners-number
loans from owners-principal owed
loans from owners-subordinated
other loans yes/no
lines of credit-number1
lines of credit-number2
lines of credit-number3
lines of credit-limit1
lines of credit-limit2
lines of credit-limit3
lines of credit-balance1
lines of credit-balance2
lines of credit-balance3
lines of credit-collateral req1
lines of credit-collateral req2
lines of credit-collateral req3
lines of credit-compensating balance1
lines of credit-compensating balance2
lines of credit-compensating balance3
lines of credit-guarantor1
lines of credit-guarantor2
lines of credit-guarantor3
leases-number1
leases-number2
leases-number3
leases-principal owed1
leases-principal owed2
leases-principal owed3
mortgage-number1
mortgage-number2
mortgage-number3
mortgage-principal owed1
mortgage-principal owed2
mortgage-principal owed3
mortgage-guarantor1
mortgage-guarantor2
mortgage-guarantor3
vehicle-number1
vehicle-number2
vehicle-number3
vehicle-principal owed1
vehicle-principal owed2
vehicle-principal owed3
vehicle-guarantor1
vehicle-guarantor2
vehicle-guarantor3
equipment-number1
equipment-number2
equipment-number3
equipment-principal owed1
equipment-principal owed2
equipment-principal owed3
equipment-guarantor1
equipment-guarantor2
equipment-guarantor3
other loans-number1
other loans-number2
other loans-number3
other loans-principal owed1
other loans-principal owed2
other loans-principal owed3
other loans-collateral req1
other loans-collateral req2
other loans-collateral req3
other loans-guarantor1
other loans-guarantor2
other loans-guarantor3
transactions services yes/no
cash management services yes/no
credit-related services yes/no
trust services yes/no
brokerage services yes/no
mrl-applied in past 3 years yes/no
mrl-amount
mrl-secured by real estate
mrl-real estate appraisal req
mrl-real estate appraisal cost
mrl-environmental survey req
mrl-environmental survey cost
mrl-approved/denied
mrl-ap-amount approved
mrl-ap-interest rate fixed/varibale
mrl-ap-interest rate-% pts over index
mrl-ap-points paid to close
mrl-ap-amount fees to obtain
mrl-ap-terms less desirable
mrl-ap-denied credit in last 3 years
mrl-did not apply, fearing denial
mrl-month applied
mrl-year applied
tc-no. of suppliers
tc-percent purchases on account
tc-s1-discount period for early payment
tc-s1-percent discount for early payment
tc-s1-penalty for late payment
leases insts
most recent equity-amount
new equity-% of common stock shares
new equity-project sales growth
new equity-amount obtained
new equity-month
new equity-year
minority
accounting period-no. of months
mortgage insts
vehicls insts
acct/tax records start-day
acct/tax records start-month
acct/tax records start-year
other loan insts
trust services insts
savings insts
full time equivalent employees
transactions services flag
vehicle insts
sampling strata number (1-99)
mrl-ap-reasons use inst1
mrl-ap-reasons use inst2
mrl-ap-reasons use inst3
mrl-ap-reasons for most recent denial1
mrl-ap-reasons for most recent denial2
mrl-ap-reasons for most recent denial3
mrl-dn-reasons denied1
mrl-dn-reasons denied2
mrl-dn-reasons denied3
mrl-reasons feared denial1
mrl-reasons feared denial2
mrl-reasons feared denial3
institution type - inst1
institution distance - inst1
institution type - inst2
institution distance - inst2
institution type - inst3
institution distance - inst3
institution type - inst4
institution distance - inst4
institution type - inst5
institution distance - inst5
institution type - inst6
institution distance - inst6
institution type - inst7
institution distance - inst7
institution type - inst8
institution distance - inst8
institution type - inst9
institution distance - inst9
institution type - inst10
institution distance - inst10
institution type - inst11
institution distance - inst11
institution type - inst12
institution distance - inst12
institution type - inst13
institution distance - inst13
institution type - inst14
institution distance - inst14
institution type - inst15
institution distance - inst15
institution type - inst16
institution distance - inst16
institution type - inst17
institution distance - inst17
institution type - inst18
institution distance - inst18
institution type - inst19
institution distance - inst19
institution type - inst20
institution distance - inst20
institution type - inst21
institution distance - inst21
institution type - inst22
institution distance - inst22
institution type - inst23
institution distance - inst23
why no health insurance
most important issue
mrl-ap-interest rate index
mrl-primary use
new equity-primary use
mrl-dn-reasons denied-other1
mrl-dn-reasons denied-other2
mrl-dn-reasons denied-other3
tc-reasons denied1
tc-reasons denied2
tc-reasons denied3
personal real estate assets
business real estate assets
other non real estate business asset
other non real estate personal asset
other assets
records used to answer income/bal sheet
records used (tax records)
records used (worksheets)
rec used (fin stmt,acc/audit rec,softwr)
records used (bank statement)
records used (other records)
new equity-sources-informal investors
most recent equity-informal investors
most recent equity-other source
new equity-sources-family, friends
new equity-sources-financial inst
new equity-sources-other
1992 sales - unedited
cost of goods or services sold-unedited
cost of conducting business-unedited
other income - unedited
total expenses/deductions-unedited
interest expense-unedited
rental expenses-unedited
salaries and wages expenses-unedited
officers comp./partners payment-unedited
depreciation and depletion-unedited
net profit/loss-unedited
ordinary income/loss-unedited
taxable income-unedited
total corporate tax-unedited
cash holdings-value-unedited
a/r / trade notes-value - unedited
inventory-value - unedited
current assets-value - unedited
other investments-value - unedited
land-value - unedited
deprec./deplet./intang. assets unedited
other assets-total value - unedited
assets-original reported total
treasury stock flag - unedited
total loans, mortgages, notes and bonds
accts payable-value - unedited
current liabilities-value - unedited
other liabilities-value - unedited
liabilities-original reported total
partners' equity-value - unedited
capital stock and paid-in-capital
retained earnings - unedited
treasury stock-value - unedited
shareholders' equity - unedited
sic-4 digit verified
hispanic
race of owners
gender of owner
management
founded by owner
single family
owner age
owner experience
owner education
principal ownership share
age of firm
not in business during 1990
1990 full time equivalent employees
fiscal/calendar year
gender of owners
1993 full time employees - unedited
1993 part time employees - unedited
1990 full time employees-unedited
1990 part time employees-unedited
total net profit/loss
line of credit-inventory collat1
line of credit-inventory collat2
line of credit-inventory collat3
line of credit-equipment collat1
line of credit-equipment collat2
line of credit-equipment collat3
line of credit-sec or deps collat1
line of credit-sec or deps collat2
line of credit-sec or deps collat3
line of credit-bus real est collat1
line of credit-bus real est collat2
line of credit-bus real est collat3
line of credit-pers real est collat1
line of credit-pers real est collat2
line of credit-pers real est collat3
line of credit-othr pers collat1
line of credit-othr pers collat2
line of credit-othr pers collat3
line of credit-something else collat1
line of credit-something else collat2
line of credit-something else collat3
other loans-inventory collat1
other loans-inventory collat2
other loans-inventory collat3
other loans-equipment collat1
other loans-equipment collat2
other loans-equipment collat3
other loans-sec or deps collat1
other loans-sec or deps collat2
other loans-sec or deps collat3
other loans-bus real est collat1
other loans-bus real est collat2
other loans-bus real est collat3
other loans-pers real est collat1
other loans-pers real est collat2
other loans-pers real est collat3
other loans-othr pers collat1
other loans-othr pers collat2
other loans-othr pers collat3
other loans-something else collat1
other loans-something else collat2
other loans-something else collat3
institution number of mrl source
mrl-loan type
mrl-loan/line maturity/commitment mo
rate loan index
mrl-interest rate
other assets yes/no
other assets-total value
other liabilities-value
jbank req-compensating balance
mrl-guarantor
mrl-collateral
mrl-inventory/accts receivable coll
mrl-equipment collateral
mrl-business securities/deposits coll
mrl-business real estate collateral
mrl-personal real estate collateral
mrl-other personal assets collateral
mrl-something else collateral
other investments yes/no
1992 sales
interest expense
rental expenses
officers compensation/partners payment
depreciation and depletion
salaries and wages expenses
cash holdings-value
accts receivable/trade notes yes/no
accts receivable/trade notes-value
inventory yes/no
inventory-value
current assets yes/no
current assets-value
other investments-value
land yes/no
land-value
depreciable/depletable/intangible assets
accts payable flag
accts payable-value
current liabilities flag
current liabilities-value
total expenses
loans and other liabs flag
other liabilities flag
sum of reported assets
sum of reported liabilities
total equity (computed)
sic-2 digit verified
final sample weight
1990 sales - unedited
bank concentration
msa/non-msa confirmed