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It remains a fact, however, that there is a large contrast between the urban and rural areas in Morocco (The World Bank 2021b), with the more remote mountainous regions mostly lacking basic infrastructure or medical care and having limited access to job and educational opportunities (The World ...
Due to the level of Hausman's statistics, models taking into account random individual effects were used. Their general notation takes the form: NPLit = a0 + a1 × ZM.MAKROi(t, t−1) + a2 × ZM.MIKROi,t + a3 × ZM.SCORi,t + vit (1) where NPL determines the share of non-...