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ABREVATIONS
ADF - Augmented Dickey Fuller
AIC- Akaike Selection Criteria
ANOVA - Analysis
of Variance
ARDL - Autoregressive Distributed lag
ATM - Automated Teller Machine
BLUE - Best Linear
Unbiased Estimator
BSL - Bank of Sierra Leone
CAR - Capital Adequacy Ratio
CB’S - Community Banks
DOLS - Dynamic
Ordinary Least Square
ECM - Error Correction Model
EG - Economic
Growth
FSA’s - Financial Services Associations
GDP - Gross
Domestic Product
IFAD - International Fund for Agricultural development
IR - Interest Rate
LTE - Long Term Evolution
MFI
’s - Micro Finance Institution
NATCOM - National Communication for Telecommunication
NPL - Non- Performing loans
POS - Point of sales
PV - Probability Value
ROA - Return
on Assets
ROE - Return on Equity
SLE - Sierra Leone Leone (Currency)
USD - United states Dollars
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