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availability of credit score from the banking system on funding using the switching investment perform are also reported in ADR . The empirical work on Egypt and Nigeria referred to earlier estimate such a ‘switching’ model, and in addition the connection between rates of interest and the availability of credit from the banking system. For Egypt, there isn’t any evidence that real rates of interest have been under equilibrium, constraining savings and funding. The interest rate effect on funding is to reduce investment by £E ninety two million for each one share point rise in the real interest rate. The provide of credit score effect of upper interest rates is to increase funding by £E forty one million, giving a internet unfavorable impact of £E 51 million. For Nigeria, a net adverse effect of interest rates on investment is The hottest product to my wife i love you your husband gift for valentines hearts necklacealso estimated. The equilibrium real rate of interest is estimated at three.5 per cent, but, total, the unfavorable effect of the cost of capital outweighs the optimistic effect of interest rates on the availability of credit score. Other research corresponding to that of Seck and El Nil find a positive relation between the investment/GDP ratio and the actual deposit price, but the relation is unstable when different unbiased variables are added. For Ghana, it is found that the rate of interest isn’t important in

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