Variable

Coefficient

Std. Error

t-Statistic

Prob.

GRATIO

0.038778

0.010233

3.789676

0.0002

NPL

−0.032254

0.051772

−0.623002

0.5344

OEFF

0.331291

0.118181

2.803263

0.0059

LA

1.521467

1.417331

1.073473

0.2851

C

176.0714

112.5260

1.564717

0.1202