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Abstract

This study examines the effect of selected factors on the changes in agricultural lending from 2000 to 2005 using a quantile regression method with commercial bank data. The study finds that the effects of the characteristics of commercial banks and the financial markets on the agricultural loan growth differ among quantiles. The results indicate that there are three significant characteristics affecting agricultural loan growth using the OLS regression, however, six different factors are significant in the different quantiles. Bank assets and deposit growth rates have a positive impact, and the population growth rate, loan to deposit ratio, equity to asset ratio, and location have a negative impact on the agricultural loan growth rate at commercial banks. The agricultural loan rate and ROA showed mixed results as banks with low and medium growth rates increase their lending to agriculture while those with higher growth rates decrease their agricultural loans.

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