Monday, 3 August 2015

PROJECT PAPER: THE RULE OF FINANCIAL SECTOR TOWARD ECONOMIC GROWTH


1.0 INTRODUCTION

This study attempts to empirically examine the rule of financial sector toward economic growth and to determine the determinant of economic growth in some countries. Cross sectional data were utilized in the study which is using year 2013. The OLS test results prove that the total reserve are significant while the exchange rate are not significant. Total reserve can be defined as total reserves comprise holdings of monetary gold, special drawing rights, reserves of IMF members held by the IMF, and holdings of foreign exchange under the control of monetary authorities[1]. Fapetu, & Oladapo (2014) exchange rate, is the rate at which a currency purchases another which is as pointed out by Jhingan (2003), it is a reflection of the strength of a currency when measured against another country’s currency. It is the price of one currency in terms of another, which is an important decision making variable in every nation, thus making it a crucial issue for any country desirous of economic growth refer to Ahmed and Zarma (1997).  According to (Akpan & Atan, 2012) exchange rate policies in developing countries are often sensitive and controversial, mainly because of the kind of structural transformation required, such as reducing imports or expanding non-oil exports, which invariably imply a depreciation of the nominal exchange rate.

Research Objectives
Research objective is to answer and examine:
i. The rule of financial sector toward economic growth.
ii. The relationship between economic growth and total reserve.
iii. The relationship between economic growth and exchange rate.
iv. The determinants of economic growth in some countries.

2.0 LITERATURE REVIEWS

According to Akpan & Atan (2012) the earliest and leading theoretical foundation for the choice of exchange rate regimes rests on the optimal currency area (OCA) theory, developed by Mundell (1961) and McKinnon (1963). Based on the theory, a fixed exchange rate regime can increase trade and output growth by reducing exchange rate uncertainty and thus the cost of hedging, and also encourage investment by lowering currency premium from interest rates. However, on the other hand it can also reduce trade and output growth by stopping, delaying or slowing the necessary relative price adjustment process. According to the theory, a fixed regime can increase trade and output growth by providing a nominal anchor and the often needed credibility for monetary policy by avoiding competitive depreciation, and enhancing the development of financial markets as pointed out by Barro & Gordon (1983), Calvo & Vegh (2004), Edwards & Savastano (2000), Eichengreen et al (1999), and Frankel (2003). Based on the Fapetu & Oladapo (2014) research, the finding proved that the exchange rate does not significantly determine the economic growth, but its show a positive relationship. However, the variables, which an effective foreign exchange rate management is deemed to affect export, foreign direct investment is found to affect economic growth. According to Fapetu & Oladapo (2014), Harris (2002) in his research using the Generalised Least Square technique found that real exchange rate, when well managed affect productivity growth in both the short and long run,  the result is consistent with the competitiveness hypothesis, which suggests that exchange rate depreciates boost productivity growth in the short run. While Dubas and Lee (2005), found a robust relationship between exchange rate stability and growth rates. Unugbro (2007) in Nigeria case observed that exchange rate appreciation stimulates foreign direct investment while Salami (2006) found that exchange rate is the most important variable that affects private foreign investment in Nigeria of all the other macroeconomic variables.

3.0 METODOLOGY

3.1 Sources of Data and description
There are totally three variables are being used in this study, which are Gross Domestic Product (GDP), total reserve and exchange rate. We utilized 67 observations countries in selected cross sectional data in year 2013. The data are collected from the world statistics[2].
The major variables for which data collected are defined below:
Total reserves: Total reserves comprise holdings of monetary gold, special drawing rights, reserves of IMF members held by the IMF, and holdings of foreign exchange under the control of monetary authorities. The gold component of these reserves is valued at year-end (December 31) London prices.[3] While, Foreign reserves (R) is the total assets of central bank held in different reserves currencies abroad. The reserves currencies includes; US dollar, Pound Sterling, Euro, Japanese Yen etc. The common scale variables used in the model are GDP and imports (Irefin & Yaaba, 2011).
Exchange Rate: According to Fapetu, & Oladapo (2014) exchange rate, is the rate at which a currency purchases another which is as pointed out by Jhingan (2003), it is a reflection of the strength of a currency when measured against another country’s currency.
Economic growth: The aggregate welfare definition of economic growth derives directly from something approximating this concept of “Universal Utility”. Aggregate welfare is defined as a quantitative concept; as a phenomenon which “...can be brought under the category of greater or less”. The quantity which changes in the process of growth is precisely this quantity of aggregate economic welfare. Therefore the measurement of economic growth involves the measurement of changes in aggregate economic welfare. This is taken to mean a quantification of the neo-classical concept of real income. The flow of goods and services-the concrete results of economic activity-are significant only as the physical counterparts of psychic want-satisfactions.[4]
3.2 Econometric Model
Ln GDP = βO + β1X1 + β2X2 + µ
GDP- Economic growth/ Gross domestic product
X1- Total reserve (TR)
X2- Exchange rate (ER)

3.3 Theoretical Framework



Hypothesis 1
H0: TR not influence GDP
H1: TR influence GDP
Hypothesis 2
H0: ER not influence GDP
H1: ER influence GDP

3.4 Method of Analysis
The analysis data is to answer the research question and research hypothesis and to test the hypothesis. The data will be analyse using Eviews, which is using Ordinary Least Square (OLS) to study the relationship of the independent variables and dependent variable. The hypothesis test is to estimate the value of Test Statistic whether to reject or accept the null hypothesis.

4.0 RESULT AND FINDING

ORDINARY LEAST SQUARE (OLS)

Dependent Variable: LNGDP


Method: Least Squares


Date: 08/03/15   Time: 20:48


Sample: 1 67



Included observations: 67












Variable
Coefficient
Std. Error
t-Statistic
Prob.  










C
12.50307
0.193978
64.45622
0.0000
TR
1.20E-06
2.07E-07
5.786494
0.0000
EX
-1.61E-05
0.000140
-0.115100
0.9087










R-squared
0.343555
    Mean dependent var
12.88318
Adjusted R-squared
0.323041
    S.D. dependent var
1.762804
S.E. of regression
1.450392
    Akaike info criterion
3.625287
Sum squared resid
134.6327
    Schwarz criterion
3.724005
Log likelihood
-118.4471
    Hannan-Quinn criter.
3.664350
F-statistic
16.74738
    Durbin-Watson stat
2.028781
Prob(F-statistic)
0.000001














Based on the Table 1.1 above we can reject the null hypothesis with 1 percent level of significant where the prob (t-statistic) is 0.0000 is less than 0.01 and the prob (t-statistic = 5.786494) is more than critical value 2  which is represent highly significant relationship between TR and GDP. Thus, we can accept the alternate hypothesis. Based on table 1.1 the prob (t-statistic = 0.115100) is less than critical value 2 and the prob= 0.9087 is not significant which is representing the relationship between ER and GDP. Thus, we cannot reject null hypothesis and have to reject the alternate hypothesis. R-squared is 0.343555 meaning the 34.3555 percent of economic growth is explained by total reserve and exchange rate and the balance 65.6445 percent is explain by other factors, thus, they are not included in the model. Durbin Watson is 2.028781. Durbin Watson 2.028781 is more than critical value which is dL=1.377 and du=1.500. Then we can conclude that the data doesn’t have autocorrelation. The data also doesn’t have autocorrelation because the data that are being used is the cross sectional data which is doesn’t influence by time.

5.0 CONCLUSION

From the research we found that the total reserve are significant while the exchange rate are not significantly in explaining the economic growth in 67 countries. Total reserve is highly significantly explaining the economic growth in 67 countries then we can suggest that as the resere increase the economic growth will increase. Since the total reserve influence by the net export as the net export is one of component in total income these suggest the result supported by the theory. The net export is the one variable of the total reserve. The exchange rate probably become not significant and have negative coefficient due to some countries apply fixed exchange rate while others countries apply flexible exchange rate.  The result are similarly with the Harris (2002) and Fapetu & Oladapo (2014) research. Which is Harris (2002) found that exchange rate depreciates boost productivity growth in the short run and Fapetu & Oladapo (2014) in the their finding find that the exchange rate does not significantly determine the economic growth, but its show a positive relationship. However, the variables, which an effective foreign exchange rate management is deemed to affect export, foreign direct investment is found to affect economic growth.\

REFERENCES
Ahmed, H.I and Zarma, A. (1997), “The Impact of Parallel Market on the Stability of Exchange Rate:        Evidence from Nigeria”, NDIC Quaterly Publication, Vol 7, No. 2 pp 42 – 61.
Akpan, E. O., & Atan, J. A. (2012). Effects of Exchange Rate Movements On Economic Growth in Nigeria. CBN Journal of Applied Statistics, 2(2), 1–14.
Barro, R.J. and Gordon, D.B. (1983). ―Rules, Discretion, and Reputation in a Model of Monetary             policy, Journal of Monetary Economics 12, 101-20
Calvo, Guillermo, (2003). Explaining Sudden Stop, Growth Collapse and BOP Crisis: The Case   of           Discretionary Output Tax, The Mundell Fleming Lecture for the Third Annual IMF                             Research Conference, Washington, DC.
Dubas, J.M., Lee, B.J., and Mark, N.C. (2005), “Effective Exchange Rate Classifications and                      Growth”. NBER Working Paper No. 11272
Edwards, Sebastian and Miguel A. Savastano, (2000). Exchange Rates in Emerging Economies:               What Do We Know? What Do We Need to Know? In Economic Policy Reform: The      Second          Stage, ed. by Anne O. Krueger, pp. 453-510. Chicago: University of Chicago Press.
Eichengreen, Barry, Paul Masson, Miguel Savastano, and Sunil Sharma, (1999). Transition                       Strategies and Nominal Anchors on the Road to Greater Exchange Rate Flexibility, Essays    in           International Finance, No. 213 Princeton: Princeton University Press.
Fapetu, Oladapo, J. A. O. (2014). FOREIGN EXCHANGE MANAGEMENT AND THE NIGERIAN ECONOMIC GROWTH (1960 – 2012). European Journal of Business and Innovation Research, 2(2), 19–31.
Frankel, Jeffrey, (2003). Experience of and Lessons from Exchange Rate Regimes in Emerging                   Economies, in Monetary and Financial Cooperation in East Asia, Asian Development   Bank,              Macmillan, 2003.
Harris R.G. (2002), “New Economy and the Exchange Rate Regime”, Center for International     Economics Studies, Discussion paper, No 111.
Jhingan, M.L (2003), Money, Banking, International Trade and Public Finance. New A.S.            Offset     Press, Delhi Irefin, D., & Yaaba, B. N. (2011). Determinants of Foreign Reserves in Nigeria : An Autoregressive Distributed Lag Approach. Journal of Applied Statistics,          2(2), 63–82.
 McKinnon, Ronald and G. Schnabel, (2003). ―The East Asian Dollar Standard, Fear of Floating,          and Original Sin‖, in: G. Ortiz, ed. Macroeconomic Stability, Financial Markets, and                            Economic Development, Bank of Mexico.- 33
Unugbro, A.O (2007), “The Impact of Exchange Rate Fluctuation on Capital Inflow: The Nigerian            Experience”. The Nigeria Academic Forum, Vol. 13, No.2


APPENDIX

No.
Observation
Official exchange rate, LCU per USD, period average.xlsx
Total Reserves.xlsx
GDP at market prices, current US$, millions, seas. adj..xlsx
1
Argentina
4.549547
39920.3
475196.4
2
Developing Asia
831.9153
4179035
11770056
3
Australia
0.965787
44866.05
1554792
4
Austria
0.778129
12232.1
394685.8
5
Belgium
0.778129
18600.11
483265.6
6
Bulgaria
1.521871
18371.02
50918.33
7
Bolivia
6.91
11659.29
27018.8
8
Brazil
1.954034
369566
2253022
9
Canada
0.999576
68364.97
1820902
10
Switzerland
0.937754
475659.2
631278
11
Chile
486.3323
41636.11
268375
12
China
6.309287
3333386
8190647
13
Colombia
1797.299
36444.02
370418.7
14
Costa Rica
502.9185
6856.67
45141.2
15
Czech Republic
19.56353
44265.28
196673.2
16
Germany
0.778129
67422.25
3430201
17
Denmark
5.792204
86137.54
315261.2
18
East Asia & Pacific
1074.159
3874222
9992303
19
Europe & Central Asia
589.7774
314459
1152065
20
Egypt, Arab Rep.
6.07065
11627.54
273543.2
21
Spain
0.778129
35522.62
1322962
22
Estonia
12.17508
287.3478
22396.5
23
Finland
0.778129
8453.225
247424.8
24
France
0.778129
54230.62
2612188
25
United Kingdom
0.631018
88596
2479815
26
Georgia
1.650514
2872.949
15843.14
27
Greece
0.778129
1269.616
249281.2
28
Hong Kong SAR, China
7.757025
317250.8
262963.6
29
Croatia
5.848283
14807.13
56457.55
30
Hungary
225.0717
44506.05
124655.5
31
High income: OECD
43.77112
3072346
44415484
32
Indonesia
9362.746
108837.3
880306.4
33
India
53.42984
270586.5
1718433
34
Ireland
0.778129
1386.38
210740.6
35
Italy
0.778129
50498.86
2014749
36
Jordan
0.708492
8089.514
27198.69
37
Japan
79.81889
1227147
5937979
38
Korea, Rep.
1126.426
323207.1
1130185
39
Sri Lanka
127.6523
6377.645
59319.15
40
Lithuania
2.686292
8218.173
42178.03
41
Luxembourg
0.778129
870.9995
55143.61
42
Latvia
0.542592
7110.871
28556.68
43
Macao SAR, China
7.989736
16600.23
43516.63
44
Mexico
13.15545
160413.4
1179044
45
Malaysia
3.088025
137783.9
304853.8
46
Netherlands
1.71477
22050.3
771050.1
47
Norway
5.818355
51856.4
499797.2
48
New Zealand
1.234821
17582.96
169490.4
49
Peru
2.637371
62300.32
199584.9
50
Philippines
42.22274
73478.39
250191.2
51
Poland
3.25522
103396.2
489794.8
52
Portugal
0.778129
2196.025
212275
53
Paraguay
4425.05
4556.609
24542.62
54
Russian Federation
31.06153
486576.8
2012199
55
South Asia
60.26146
304816.4
1777753
56
Singapore
1.249456
259094.5
276659.3
57
Sub-Saharan Africa
263.0689
195732.3
382756.9
58
Slovakia
23.44189
818.4068
91148.74
59
Slovenia
186.4709
782.1872
45461.03
60
Sweden
6.772264
45519.23
524299.9
61
Thailand
31.07915
173327.7
366304.7
62
Tunisia
1.562155
8357.241
45123.11
63
Turkey
1.80033
99942.63
786483.5
64
Taiwan, China
29.58199
403169
475951.9
65
Ukraine
8.083841
22655.84
174164.9
66
United States
1
139133.9
16244575
67
South Africa
8.208319
43995.47
382756.9




[2] http://www.gemconsortium.org/news/766/gem-data-now-on-world-statistics
[3] http://www.indexmundi.com/facts/malaysia/total-reserves

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