Variable description
| Measurement | Literature sources | |
|---|---|---|
| Dependent Variable | ||
| Agri-lending | Ratio of a bank's loans to the agricultural business segment to total loans advanced (AGRILR) | Maloba and Alhassan (2019), Kim and Katchova (2020) |
| The natural logarithm of loans to the agricultural business segment (LAGRIL) | ||
| Independent Variable | ||
| Interest rate capping | Dummy variable taking 0 to represent the pre-capping period (2014–2015) and 1 for the post-capping period (2017–2018) | Madeira (2019) |
| Control Variables | ||
| Bank size | Natural logarithm of a bank's total assets | Yasmin and Rashid (2018) |
| Equity | Ratio of equity to total assets | Prabowo et al. (2019) |
| Liquidity | The ratio of cash balances to total deposits | Timsina and Pradhan (2017), Olumuyiwa (2012) |
| Asset quality | The ratio of non-performing loans to gross loans | Shirzadi (2015) |
| Revenue Concentration | HHI index of interest and non-interest income | Alhassan (2015) |
| Bank Concentration | 5 bank asset concentration ratio | Corvoisier and Gropp (2002) |
| Measurement | Literature sources | |
|---|---|---|
| Agri-lending | Ratio of a bank's loans to the agricultural business segment to total loans advanced (AGRILR) | |
| The natural logarithm of loans to the agricultural business segment (LAGRIL) | ||
| Interest rate capping | Dummy variable taking 0 to represent the pre-capping period (2014–2015) and 1 for the post-capping period (2017–2018) | |
| Bank size | Natural logarithm of a bank's total assets | |
| Equity | Ratio of equity to total assets | |
| Liquidity | The ratio of cash balances to total deposits | |
| Asset quality | The ratio of non-performing loans to gross loans | |
| Revenue Concentration | HHI index of interest and non-interest income | |
| Bank Concentration | 5 bank asset concentration ratio | |
Source(s): Authors' construction
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