... rights only Institutional quality Upper middle income Economic growth Random effect Institutions, encompassing formal regulations like constitutions and laws, alongside informal norms such as traditions and codes of behavior, structure human interactions across political, economic...

... obtained from audited financial reports of 15 agricultural loan lending banks from 2010 to 2017. The study applies the random-effect model and the fixed-effect model in the analysis and uses the system generalized system method of moment to check the robustness of the results from the baseline models...