Dependent variable: Lending interest rate

Average values of significant coefficients

Model 5: Mediun size banks

Independent variable

Weighted Least Squares

Fixed effect

No Lag

1 Lag

No Lag

1 Lag

const

−11.5933

37.418***

−4.7781

35.098*

il

−0.190*

−0.181

−0.190

id

0.434***

0.350

0.528**

0.438*

0.467

ras

0.641***

0.157

0.801

0.116

0.641

opcr

1.651***

−0.548

1.588***

−0.522

1.620