panel estimation techniques on a sample of commercial banks in Macedonia. Our results indicate that lending rates are mostly … influenced by bank size and market share, and to a somewhat lesser extent by deposit rates and non-performing loans. In addition …. Furthermore, bank size and market share, as well as the differential between domestic and foreign rates, are the most important …

inclusion in Ghana. To purge potential endogeneity bias in the underlying relationship, we exploit a change in the policy … compartmentalized system of banking to a universal banking system in Ghana has resulted in an expansion of banks' branch networks, which … banking system penetration promotes financial inclusion-notably, access to bank credit and to formal credit. The results of …