Number of Bank Agencies and Bank Credit Supply in Waemu Zone: A Spatial Econometric Approach
Bibliographic record
Abstract
This study examines the effect of the spatial dependence of the number of bank branches on the supply of credit in West African Economic and Monetary Union (WAEMU) countries, over the period 1995-2021. Methodologically, we mobilize spatial econometric techniques to take into account the spatial interdependence between the various countries involved in the analysis. Results from the SDM (Spatial Durbin Spatial) model reveal that the number of bank branches has a positive and significant influence on credit supply. In addition, bank size has a positive effect on credit supply. Nevertheless, inflation hurts the credit supply. Considering spatial effects has also shown us that the supply of credit from one country to another also depends on the volume of credit it receives from other countries. In terms of economic policy implications, banks in the zone need to promote the strategy of geographic expansion of their bank branches. Similarly, monetary authorities need to make efforts to keep inflation rates at moderate, stable levels, and encourage the emergence of large banks.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.002 | 0.007 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.001 |
| Bibliometrics | 0.002 | 0.005 |
| Science and technology studies | 0.000 | 0.001 |
| Scholarly communication | 0.001 | 0.001 |
| Open science | 0.001 | 0.002 |
| Research integrity | 0.001 | 0.001 |
| Insufficient payload (model declined to judge) | 0.003 | 0.000 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".