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ACSl Addis Ababa agricultural Bank of Ethiopia Birr capital CCFH clients Cobb-Douglas coefficients cointegrating consumption contractionary monetary policy costs countries and LDCs credit constraint credit market credit service decision-making demand developing countries distribution domestic credit effect efficiency level estimated evaluation exchange market pressure exchange rate expenditure farm households farmers firms Food Policy Research foreign exchange market frontier production function groups impact income increase industries inefficiency infrastructure inputs interest rate investment labour lnternational Food Policy loan major mean technical efficiency microfinance service monetary policy negative non-clients output panel data paper parameters percent Policy Research lnstitute positive poverty reduction production function quintile ratio Reject H0 respondents result rural-urban linkages sample saving sector significant Source statistically stochastic frontier sub-sectors Table technical efficiency teff translog transport Uganda variables women petty traders World Bank World Trade Organization zero restriction