Table 8.

Generalized QR results.

Financial inclusionFinancial outreachFinancial usage
Variables0.250.500.750.250.500.750.250.500.75
financial_inclusion–0.648*** (0.166)–0.173*** (0.0426)–0.206*** (0.00413)
financial_outreach–1.593*** (0.110)0.0783 (0.181)–0.191 (0.129)
financial_usage0.115** (0.0456)–0.0844 (0.104)–0.127*** (0.0143)
loggdp0.813*** (0.0773)0.810*** (0.0614)0.514*** (0.00616)0.800*** (0.142)0.230 (0.285)0.657*** (0.0944)0.452*** (0.0353)0.0663 (0.0993)0.569*** (0.0290)
agri_area–0.0332 (0.0525)0.0559*** (0.00765)0.0554*** (0.000969)0.0893*** (0.0179)0.206*** (0.0269)0.123*** (0.0152)0.0524*** (0.0140)0.0911*** (0.0172)0.0240*** (0.00387)
frent–0.105*** (0.0110)0.0420*** (0.00673)0.117*** (0.000748)–0.0769*** (0.0270)0.0105 (0.0461)0.114*** (0.00545)–0.114*** (0.00545)0.0217 (0.0147)0.125*** (0.00314)
trade–0.0350*** (0.00450)–0.0240*** (0.00246)–0.0138*** (0.000239)–0.0389*** (0.00203)–0.0112* (0.00662)–0.0195*** (0.000813)–0.0326*** (0.00204)–0.00896*** (0.00272)–0.0118*** (0.000277)
pop_growth0.275* (0.158)0.309*** (0.0425)0.652*** (0.00536)–0.205 (0.204)0.690*** (0.251)0.646*** (0.0926)0.570*** (0.0223)0.643*** (0.0678)0.582*** (0.0136)
Observations374374374374374374374374374
Number of countries222222222222222222
Note(s):

Standard errors in parentheses; ***p<0.01, **p<0.05, *p<0.1; results related to quantile regression for panel data across different quantile 0.25, 0.5, and 0.75, all exogenous explanatory and instrumental variables included as instruments to handle the endogeneity problem in the panel data; Time-fixed effect included with MCMC optimization technique, 1000 draws performed, 300 burn-in period dropped, and 0.5 acceptance rate (the findings for quantiles from 0.1, 0.2, 0.3, 0.4, 0.5, 0.6, 0.7, 0.8, and 0.9 are available upon request from the author)

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