id	sid	tid	token	lemma	pos
abr-61	1	1	advances	advance	NOUN
abr-61	1	2	in	in	ADP
abr-61	1	3	business	business	NOUN
abr-61	1	4	research	research	NOUN
abr-61	1	5	2011	2011	NUM
abr-61	1	6	volume	volume	NOUN
abr-61	1	7	2.pdf	2.pdf	NUM
abr-61	1	8	schäfer	schäfer	NOUN
abr-61	1	9	and	and	CCONJ
abr-61	1	10	fukasawa	fukasawa	NOUN
abr-61	1	11	advances	advance	NOUN
abr-61	1	12	in	in	ADP
abr-61	1	13	business	business	NOUN
abr-61	1	14	research	research	NOUN
abr-61	1	15	2011	2011	NUM
abr-61	1	16	,	,	PUNCT
abr-61	1	17	vol	vol	NOUN
abr-61	1	18	.	.	PROPN
abr-61	2	1	2	2	NUM
abr-61	2	2	,	,	PUNCT
abr-61	2	3	no	no	INTJ
abr-61	2	4	.	.	NOUN
abr-61	2	5	1	1	NUM
abr-61	2	6	,	,	PUNCT
abr-61	2	7	172	172	NUM
abr-61	2	8	-	-	SYM
abr-61	2	9	178	178	NUM
abr-61	2	10	172	172	NUM
abr-61	2	11	factors	factor	NOUN
abr-61	2	12	determining	determine	VERB
abr-61	2	13	the	the	DET
abr-61	2	14	operational	operational	ADJ
abr-61	2	15	self	self	NOUN
abr-61	2	16	-	-	PUNCT
abr-61	2	17	sufficiency	sufficiency	NOUN
abr-61	2	18	among	among	ADP
abr-61	2	19	microfinance	microfinance	NOUN
abr-61	2	20	institutions	institution	NOUN
abr-61	2	21	kai	kai	PROPN
abr-61	2	22	schäfer	schäfer	PROPN
abr-61	2	23	,	,	PUNCT
abr-61	2	24	midwestern	midwestern	ADJ
abr-61	2	25	state	state	NOUN
abr-61	2	26	university	university	PROPN
abr-61	2	27	yoshi	yoshi	PROPN
abr-61	2	28	fukasawa	fukasawa	PROPN
abr-61	2	29	,	,	PUNCT
abr-61	2	30	midwestern	midwestern	ADJ
abr-61	2	31	state	state	NOUN
abr-61	2	32	university	university	NOUN
abr-61	2	33	this	this	DET
abr-61	2	34	paper	paper	NOUN
abr-61	2	35	is	be	AUX
abr-61	2	36	to	to	PART
abr-61	2	37	determine	determine	VERB
abr-61	2	38	factors	factor	NOUN
abr-61	2	39	best	well	ADV
abr-61	2	40	describing	describe	VERB
abr-61	2	41	a	a	DET
abr-61	2	42	microfinance	microfinance	NOUN
abr-61	2	43	institution	institution	NOUN
abr-61	2	44	’s	’s	PART
abr-61	2	45	(	(	PUNCT
abr-61	2	46	mfi	mfi	PROPN
abr-61	2	47	’s	’s	PART
abr-61	2	48	)	)	PUNCT
abr-61	2	49	operational	operational	ADJ
abr-61	2	50	selfsufficiency	selfsufficiency	NOUN
abr-61	2	51	(	(	PUNCT
abr-61	2	52	oss	oss	NOUN
abr-61	2	53	)	)	PUNCT
abr-61	2	54	.	.	PUNCT
abr-61	3	1	the	the	DET
abr-61	3	2	oss	oss	NOUN
abr-61	3	3	is	be	AUX
abr-61	3	4	defined	define	VERB
abr-61	3	5	as	as	ADP
abr-61	3	6	the	the	DET
abr-61	3	7	ratio	ratio	NOUN
abr-61	3	8	of	of	ADP
abr-61	3	9	an	an	DET
abr-61	3	10	mfi	mfi	PROPN
abr-61	3	11	’s	’s	PART
abr-61	3	12	operating	operating	NOUN
abr-61	3	13	revenues	revenue	NOUN
abr-61	3	14	to	to	ADP
abr-61	3	15	it	it	PRON
abr-61	3	16	operating	operate	VERB
abr-61	3	17	expenses	expense	NOUN
abr-61	3	18	including	include	VERB
abr-61	3	19	the	the	DET
abr-61	3	20	financial	financial	ADJ
abr-61	3	21	costs	cost	NOUN
abr-61	3	22	and	and	CCONJ
abr-61	3	23	impairment	impairment	ADJ
abr-61	3	24	losses	loss	NOUN
abr-61	3	25	on	on	ADP
abr-61	3	26	loans	loan	NOUN
abr-61	3	27	.	.	PUNCT
abr-61	4	1	the	the	DET
abr-61	4	2	outreach	outreach	NOUN
abr-61	4	3	of	of	ADP
abr-61	4	4	an	an	DET
abr-61	4	5	mfi	mfi	PROPN
abr-61	4	6	,	,	PUNCT
abr-61	4	7	the	the	DET
abr-61	4	8	writeoff	writeoff	NOUN
abr-61	4	9	ratio	ratio	NOUN
abr-61	4	10	and	and	CCONJ
abr-61	4	11	regional	regional	ADJ
abr-61	4	12	differences	difference	NOUN
abr-61	4	13	are	be	AUX
abr-61	4	14	found	find	VERB
abr-61	4	15	significant	significant	ADJ
abr-61	4	16	in	in	ADP
abr-61	4	17	determining	determine	VERB
abr-61	4	18	the	the	DET
abr-61	4	19	oss	oss	NOUN
abr-61	4	20	of	of	ADP
abr-61	4	21	mfis	mfis	PROPN
abr-61	4	22	.	.	PUNCT
abr-61	5	1	surprisingly	surprisingly	ADV
abr-61	5	2	,	,	PUNCT
abr-61	5	3	neither	neither	CCONJ
abr-61	5	4	an	an	DET
abr-61	5	5	mfi	mfi	PROPN
abr-61	5	6	’s	’s	PART
abr-61	5	7	depositors	depositor	NOUN
abr-61	5	8	-	-	PUNCT
abr-61	5	9	to	to	ADP
abr-61	5	10	-	-	PUNCT
abr-61	5	11	borrowers	borrower	NOUN
abr-61	5	12	ratio	ratio	NOUN
abr-61	5	13	nor	nor	CCONJ
abr-61	5	14	its	its	PRON
abr-61	5	15	deposits	deposit	NOUN
abr-61	5	16	-	-	PUNCT
abr-61	5	17	to	to	ADP
abr-61	5	18	-	-	PUNCT
abr-61	5	19	loan	loan	NOUN
abr-61	5	20	portfolio	portfolio	NOUN
abr-61	5	21	ratio	ratio	NOUN
abr-61	5	22	was	be	AUX
abr-61	5	23	found	find	VERB
abr-61	5	24	to	to	PART
abr-61	5	25	be	be	AUX
abr-61	5	26	significant	significant	ADJ
abr-61	5	27	to	to	PART
abr-61	5	28	explain	explain	VERB
abr-61	5	29	an	an	DET
abr-61	5	30	mfi	mfi	PROPN
abr-61	5	31	’s	’s	PART
abr-61	5	32	oss	oss	NOUN
abr-61	5	33	.	.	PUNCT
abr-61	6	1	there	there	PRON
abr-61	6	2	was	be	VERB
abr-61	6	3	no	no	DET
abr-61	6	4	significant	significant	ADJ
abr-61	6	5	difference	difference	NOUN
abr-61	6	6	in	in	ADP
abr-61	6	7	the	the	DET
abr-61	6	8	oss	oss	NOUN
abr-61	6	9	in	in	ADP
abr-61	6	10	2006	2006	NUM
abr-61	6	11	before	before	ADP
abr-61	6	12	the	the	DET
abr-61	6	13	worldwide	worldwide	ADJ
abr-61	6	14	financial	financial	ADJ
abr-61	6	15	crisis	crisis	NOUN
abr-61	6	16	and	and	CCONJ
abr-61	6	17	in	in	ADP
abr-61	6	18	2008	2008	NUM
abr-61	6	19	.	.	PUNCT
abr-61	7	1	one	one	NUM
abr-61	7	2	of	of	ADP
abr-61	7	3	the	the	DET
abr-61	7	4	eight	eight	NUM
abr-61	7	5	millennium	millennium	NOUN
abr-61	7	6	development	development	NOUN
abr-61	7	7	goals	goal	NOUN
abr-61	7	8	of	of	ADP
abr-61	7	9	the	the	DET
abr-61	7	10	united	united	PROPN
abr-61	7	11	nations	nations	PROPN
abr-61	7	12	is	be	AUX
abr-61	7	13	the	the	DET
abr-61	7	14	“	"	PUNCT
abr-61	7	15	eradication	eradication	NOUN
abr-61	7	16	of	of	ADP
abr-61	7	17	extreme	extreme	ADJ
abr-61	7	18	poverty	poverty	NOUN
abr-61	7	19	and	and	CCONJ
abr-61	7	20	hunger	hunger	NOUN
abr-61	7	21	.	.	PUNCT
abr-61	7	22	”	"	PUNCT
abr-61	8	1	the	the	DET
abr-61	8	2	un	un	PROPN
abr-61	8	3	defines	define	VERB
abr-61	8	4	extreme	extreme	ADJ
abr-61	8	5	poverty	poverty	NOUN
abr-61	8	6	as	as	ADP
abr-61	8	7	living	live	VERB
abr-61	8	8	on	on	ADP
abr-61	8	9	u.s	u.s	PROPN
abr-61	8	10	.	.	PROPN
abr-61	8	11	$	$	SYM
abr-61	8	12	1.25	1.25	NUM
abr-61	8	13	or	or	CCONJ
abr-61	8	14	less	less	ADJ
abr-61	8	15	per	per	ADP
abr-61	8	16	day	day	NOUN
abr-61	8	17	.	.	PUNCT
abr-61	9	1	in	in	ADP
abr-61	9	2	2005	2005	NUM
abr-61	9	3	1.4	1.4	NUM
abr-61	9	4	billion	billion	NUM
abr-61	9	5	people	people	NOUN
abr-61	9	6	worldwide	worldwide	ADV
abr-61	9	7	were	be	AUX
abr-61	9	8	declared	declare	VERB
abr-61	9	9	extremely	extremely	ADV
abr-61	9	10	poor	poor	ADJ
abr-61	9	11	.	.	PUNCT
abr-61	10	1	the	the	DET
abr-61	10	2	un	un	PROPN
abr-61	10	3	’s	’s	PART
abr-61	10	4	target	target	NOUN
abr-61	10	5	is	be	AUX
abr-61	10	6	to	to	PART
abr-61	10	7	halve	halve	VERB
abr-61	10	8	the	the	DET
abr-61	10	9	proportion	proportion	NOUN
abr-61	10	10	of	of	ADP
abr-61	10	11	the	the	DET
abr-61	10	12	extreme	extreme	ADJ
abr-61	10	13	poor	poor	ADJ
abr-61	10	14	by	by	ADP
abr-61	10	15	2015	2015	NUM
abr-61	10	16	using	use	VERB
abr-61	10	17	the	the	DET
abr-61	10	18	year	year	NOUN
abr-61	10	19	1990	1990	NUM
abr-61	10	20	as	as	ADP
abr-61	10	21	a	a	DET
abr-61	10	22	basis	basis	NOUN
abr-61	10	23	.	.	PUNCT
abr-61	11	1	microfinance	microfinance	NOUN
abr-61	11	2	is	be	AUX
abr-61	11	3	considered	consider	VERB
abr-61	11	4	to	to	PART
abr-61	11	5	be	be	AUX
abr-61	11	6	one	one	NUM
abr-61	11	7	of	of	ADP
abr-61	11	8	the	the	DET
abr-61	11	9	measures	measure	NOUN
abr-61	11	10	that	that	PRON
abr-61	11	11	will	will	AUX
abr-61	11	12	help	help	VERB
abr-61	11	13	reach	reach	VERB
abr-61	11	14	that	that	DET
abr-61	11	15	goal	goal	NOUN
abr-61	11	16	(	(	PUNCT
abr-61	11	17	united	united	PROPN
abr-61	11	18	nations	nations	PROPN
abr-61	11	19	,	,	PUNCT
abr-61	11	20	2008	2008	NUM
abr-61	11	21	)	)	PUNCT
abr-61	11	22	.	.	PUNCT
abr-61	12	1	the	the	DET
abr-61	12	2	year	year	NOUN
abr-61	12	3	2005	2005	NUM
abr-61	12	4	was	be	AUX
abr-61	12	5	declared	declare	VERB
abr-61	12	6	as	as	ADP
abr-61	12	7	the	the	DET
abr-61	12	8	“	"	PUNCT
abr-61	12	9	international	international	ADJ
abr-61	12	10	year	year	NOUN
abr-61	12	11	of	of	ADP
abr-61	12	12	microfinance	microfinance	NOUN
abr-61	12	13	”	"	PUNCT
abr-61	12	14	(	(	PUNCT
abr-61	12	15	united	united	PROPN
abr-61	12	16	nations	nations	PROPN
abr-61	12	17	,	,	PUNCT
abr-61	12	18	2004	2004	NUM
abr-61	12	19	)	)	PUNCT
abr-61	12	20	.	.	PUNCT
abr-61	13	1	dr	dr	PROPN
abr-61	13	2	.	.	PROPN
abr-61	13	3	muhammad	muhammad	PROPN
abr-61	13	4	yunus	yunus	PROPN
abr-61	13	5	,	,	PUNCT
abr-61	13	6	the	the	DET
abr-61	13	7	founder	founder	NOUN
abr-61	13	8	of	of	ADP
abr-61	13	9	the	the	DET
abr-61	13	10	bangladeshi	bangladeshi	ADJ
abr-61	13	11	microfinance	microfinance	NOUN
abr-61	13	12	institution	institution	NOUN
abr-61	13	13	(	(	PUNCT
abr-61	13	14	mfi	mfi	PROPN
abr-61	13	15	)	)	PUNCT
abr-61	13	16	grameen	grameen	PROPN
abr-61	13	17	bank	bank	PROPN
abr-61	13	18	,	,	PUNCT
abr-61	13	19	received	receive	VERB
abr-61	13	20	together	together	ADV
abr-61	13	21	with	with	ADP
abr-61	13	22	his	his	PRON
abr-61	13	23	bank	bank	NOUN
abr-61	13	24	the	the	DET
abr-61	13	25	nobel	nobel	PROPN
abr-61	13	26	peace	peace	PROPN
abr-61	13	27	prize	prize	PROPN
abr-61	13	28	in	in	ADP
abr-61	13	29	2006	2006	NUM
abr-61	13	30	“	"	PUNCT
abr-61	13	31	for	for	ADP
abr-61	13	32	their	their	PRON
abr-61	13	33	efforts	effort	NOUN
abr-61	13	34	to	to	PART
abr-61	13	35	create	create	VERB
abr-61	13	36	economic	economic	ADJ
abr-61	13	37	and	and	CCONJ
abr-61	13	38	social	social	ADJ
abr-61	13	39	development	development	NOUN
abr-61	13	40	from	from	ADP
abr-61	13	41	below	below	ADV
abr-61	13	42	”	"	PUNCT
abr-61	13	43	(	(	PUNCT
abr-61	13	44	nobel	nobel	PROPN
abr-61	13	45	foundation	foundation	PROPN
abr-61	13	46	,	,	PUNCT
abr-61	13	47	2008	2008	NUM
abr-61	13	48	)	)	PUNCT
abr-61	13	49	.	.	PUNCT
abr-61	14	1	grameen	grameen	PROPN
abr-61	14	2	’s	’s	PART
abr-61	14	3	pioneering	pioneer	VERB
abr-61	14	4	work	work	NOUN
abr-61	14	5	made	make	VERB
abr-61	14	6	microfinance	microfinance	NOUN
abr-61	14	7	more	more	ADJ
abr-61	14	8	and	and	CCONJ
abr-61	14	9	more	more	ADV
abr-61	14	10	popular	popular	ADJ
abr-61	14	11	worldwide	worldwide	ADV
abr-61	14	12	.	.	PUNCT
abr-61	15	1	the	the	DET
abr-61	15	2	microcredit	microcredit	NOUN
abr-61	15	3	summit	summit	NOUN
abr-61	15	4	campaign	campaign	NOUN
abr-61	15	5	brings	bring	VERB
abr-61	15	6	together	together	ADV
abr-61	15	7	microcredit	microcredit	NOUN
abr-61	15	8	practitioners	practitioner	NOUN
abr-61	15	9	,	,	PUNCT
abr-61	15	10	advocates	advocate	NOUN
abr-61	15	11	,	,	PUNCT
abr-61	15	12	educational	educational	ADJ
abr-61	15	13	institutions	institution	NOUN
abr-61	15	14	,	,	PUNCT
abr-61	15	15	donor	donor	NOUN
abr-61	15	16	agencies	agency	NOUN
abr-61	15	17	,	,	PUNCT
abr-61	15	18	international	international	ADJ
abr-61	15	19	financial	financial	ADJ
abr-61	15	20	institutions	institution	NOUN
abr-61	15	21	and	and	CCONJ
abr-61	15	22	non	non	ADJ
abr-61	15	23	-	-	ADJ
abr-61	15	24	governmental	governmental	ADJ
abr-61	15	25	organizations	organization	NOUN
abr-61	15	26	(	(	PUNCT
abr-61	15	27	microcredit	microcredit	NOUN
abr-61	15	28	summit	summit	NOUN
abr-61	15	29	campaign	campaign	NOUN
abr-61	15	30	a	a	PRON
abr-61	15	31	,	,	PUNCT
abr-61	15	32	2009	2009	NUM
abr-61	15	33	)	)	PUNCT
abr-61	15	34	.	.	PUNCT
abr-61	16	1	since	since	SCONJ
abr-61	16	2	1999	1999	NUM
abr-61	16	3	it	it	PRON
abr-61	16	4	has	have	AUX
abr-61	16	5	published	publish	VERB
abr-61	16	6	annually	annually	ADV
abr-61	16	7	the	the	DET
abr-61	16	8	state	state	NOUN
abr-61	16	9	of	of	ADP
abr-61	16	10	the	the	DET
abr-61	16	11	microcredit	microcredit	NOUN
abr-61	16	12	summit	summit	NOUN
abr-61	16	13	report	report	NOUN
abr-61	16	14	.	.	PUNCT
abr-61	17	1	in	in	ADP
abr-61	17	2	its	its	PRON
abr-61	17	3	reports	report	NOUN
abr-61	17	4	the	the	DET
abr-61	17	5	organization	organization	NOUN
abr-61	17	6	compiles	compile	VERB
abr-61	17	7	outreach	outreach	NOUN
abr-61	17	8	data	datum	NOUN
abr-61	17	9	from	from	ADP
abr-61	17	10	mfis	mfis	NOUN
abr-61	17	11	all	all	ADV
abr-61	17	12	around	around	ADP
abr-61	17	13	the	the	DET
abr-61	17	14	world	world	NOUN
abr-61	17	15	(	(	PUNCT
abr-61	17	16	microcredit	microcredit	NOUN
abr-61	17	17	summit	summit	NOUN
abr-61	17	18	campaign	campaign	NOUN
abr-61	17	19	b	b	NOUN
abr-61	17	20	,	,	PUNCT
abr-61	17	21	2009	2009	NUM
abr-61	17	22	)	)	PUNCT
abr-61	17	23	.	.	PUNCT
abr-61	18	1	the	the	DET
abr-61	18	2	2009	2009	NUM
abr-61	18	3	report	report	NOUN
abr-61	18	4	shows	show	VERB
abr-61	18	5	growth	growth	NOUN
abr-61	18	6	in	in	ADP
abr-61	18	7	the	the	DET
abr-61	18	8	number	number	NOUN
abr-61	18	9	of	of	ADP
abr-61	18	10	mfis	mfis	NOUN
abr-61	18	11	from	from	ADP
abr-61	18	12	618	618	NUM
abr-61	18	13	in	in	ADP
abr-61	18	14	1997	1997	NUM
abr-61	18	15	to	to	ADP
abr-61	18	16	3,552	3,552	NUM
abr-61	18	17	in	in	ADP
abr-61	18	18	2007	2007	NUM
abr-61	18	19	.	.	PUNCT
abr-61	19	1	that	that	PRON
abr-61	19	2	is	be	AUX
abr-61	19	3	an	an	DET
abr-61	19	4	increase	increase	NOUN
abr-61	19	5	of	of	ADP
abr-61	19	6	almost	almost	ADV
abr-61	19	7	500	500	NUM
abr-61	19	8	percent	percent	NOUN
abr-61	19	9	over	over	ADP
abr-61	19	10	the	the	DET
abr-61	19	11	ten	ten	NUM
abr-61	19	12	-	-	PUNCT
abr-61	19	13	year	year	NOUN
abr-61	19	14	period	period	NOUN
abr-61	19	15	.	.	PUNCT
abr-61	20	1	the	the	DET
abr-61	20	2	microfinance	microfinance	NOUN
abr-61	20	3	movement	movement	NOUN
abr-61	20	4	is	be	AUX
abr-61	20	5	not	not	PART
abr-61	20	6	limited	limit	VERB
abr-61	20	7	to	to	ADP
abr-61	20	8	developing	develop	VERB
abr-61	20	9	countries	country	NOUN
abr-61	20	10	;	;	PUNCT
abr-61	20	11	the	the	DET
abr-61	20	12	report	report	NOUN
abr-61	20	13	also	also	ADV
abr-61	20	14	mentions	mention	VERB
abr-61	20	15	a	a	DET
abr-61	20	16	total	total	NOUN
abr-61	20	17	of	of	ADP
abr-61	20	18	192	192	NUM
abr-61	20	19	microfinance	microfinance	NOUN
abr-61	20	20	programs	program	NOUN
abr-61	20	21	in	in	ADP
abr-61	20	22	developed	develop	VERB
abr-61	20	23	countries	country	NOUN
abr-61	20	24	in	in	ADP
abr-61	20	25	2007	2007	NUM
abr-61	20	26	(	(	PUNCT
abr-61	20	27	daley	daley	PROPN
abr-61	20	28	-	-	PUNCT
abr-61	20	29	harris	harris	PROPN
abr-61	20	30	,	,	PUNCT
abr-61	20	31	2009	2009	NUM
abr-61	20	32	)	)	PUNCT
abr-61	20	33	.	.	PUNCT
abr-61	21	1	in	in	ADP
abr-61	21	2	january	january	PROPN
abr-61	21	3	2008	2008	NUM
abr-61	21	4	,	,	PUNCT
abr-61	21	5	for	for	ADP
abr-61	21	6	example	example	NOUN
abr-61	21	7	,	,	PUNCT
abr-61	21	8	the	the	DET
abr-61	21	9	bangladeshi	bangladeshi	PROPN
abr-61	21	10	mfi	mfi	PROPN
abr-61	21	11	grameen	grameen	PROPN
abr-61	21	12	bank	bank	PROPN
abr-61	21	13	expanded	expand	VERB
abr-61	21	14	its	its	PRON
abr-61	21	15	service	service	NOUN
abr-61	21	16	from	from	ADP
abr-61	21	17	bangladesh	bangladesh	PROPN
abr-61	21	18	to	to	ADP
abr-61	21	19	a	a	DET
abr-61	21	20	developed	develop	VERB
abr-61	21	21	country	country	NOUN
abr-61	21	22	by	by	ADP
abr-61	21	23	opening	open	VERB
abr-61	21	24	its	its	PRON
abr-61	21	25	first	first	ADJ
abr-61	21	26	branch	branch	NOUN
abr-61	21	27	in	in	ADP
abr-61	21	28	the	the	DET
abr-61	21	29	u.s	u.s	PROPN
abr-61	21	30	.	.	PROPN
abr-61	21	31	surprisingly	surprisingly	ADV
abr-61	21	32	,	,	PUNCT
abr-61	21	33	grameen	grameen	PROPN
abr-61	21	34	america	america	PROPN
abr-61	21	35	was	be	AUX
abr-61	21	36	established	establish	VERB
abr-61	21	37	during	during	ADP
abr-61	21	38	the	the	DET
abr-61	21	39	greatest	great	ADJ
abr-61	21	40	financial	financial	ADJ
abr-61	21	41	crisis	crisis	NOUN
abr-61	21	42	in	in	ADP
abr-61	21	43	modern	modern	ADJ
abr-61	21	44	history	history	NOUN
abr-61	21	45	(	(	PUNCT
abr-61	21	46	foroohar	foroohar	PROPN
abr-61	21	47	,	,	PUNCT
abr-61	21	48	2010	2010	NUM
abr-61	21	49	)	)	PUNCT
abr-61	21	50	.	.	PUNCT
abr-61	22	1	the	the	DET
abr-61	22	2	main	main	ADJ
abr-61	22	3	purpose	purpose	NOUN
abr-61	22	4	of	of	ADP
abr-61	22	5	this	this	DET
abr-61	22	6	paper	paper	NOUN
abr-61	22	7	is	be	AUX
abr-61	22	8	to	to	PART
abr-61	22	9	examine	examine	VERB
abr-61	22	10	the	the	DET
abr-61	22	11	sustainability	sustainability	NOUN
abr-61	22	12	of	of	ADP
abr-61	22	13	mfis	mfis	NOUN
abr-61	22	14	worldwide	worldwide	ADV
abr-61	22	15	by	by	ADP
abr-61	22	16	studying	study	VERB
abr-61	22	17	the	the	DET
abr-61	22	18	factors	factor	NOUN
abr-61	22	19	that	that	PRON
abr-61	22	20	determine	determine	VERB
abr-61	22	21	their	their	PRON
abr-61	22	22	operational	operational	ADJ
abr-61	22	23	self	self	NOUN
abr-61	22	24	-	-	PUNCT
abr-61	22	25	sufficiency	sufficiency	NOUN
abr-61	22	26	(	(	PUNCT
abr-61	22	27	oss	oss	NOUN
abr-61	22	28	)	)	PUNCT
abr-61	22	29	.	.	PUNCT
abr-61	23	1	the	the	DET
abr-61	23	2	oss	oss	NOUN
abr-61	23	3	rather	rather	ADV
abr-61	23	4	than	than	ADP
abr-61	23	5	the	the	DET
abr-61	23	6	financial	financial	ADJ
abr-61	23	7	selfsufficiency	selfsufficiency	NOUN
abr-61	23	8	(	(	PUNCT
abr-61	23	9	fss	fss	NOUN
abr-61	23	10	)	)	PUNCT
abr-61	23	11	can	can	AUX
abr-61	23	12	easily	easily	ADV
abr-61	23	13	be	be	AUX
abr-61	23	14	related	relate	VERB
abr-61	23	15	to	to	ADP
abr-61	23	16	the	the	DET
abr-61	23	17	standard	standard	ADJ
abr-61	23	18	profitability	profitability	NOUN
abr-61	23	19	definition	definition	NOUN
abr-61	23	20	of	of	ADP
abr-61	23	21	revenues	revenue	NOUN
abr-61	23	22	minus	minus	CCONJ
abr-61	23	23	associated	associated	ADJ
abr-61	23	24	expenses	expense	NOUN
abr-61	23	25	.	.	PUNCT
abr-61	24	1	furthermore	furthermore	ADV
abr-61	24	2	,	,	PUNCT
abr-61	24	3	the	the	DET
abr-61	24	4	oss	oss	NOUN
abr-61	24	5	helps	helps	AUX
abr-61	24	6	determine	determine	VERB
abr-61	24	7	whether	whether	SCONJ
abr-61	24	8	an	an	DET
abr-61	24	9	mfi	mfi	PROPN
abr-61	24	10	is	be	AUX
abr-61	24	11	able	able	ADJ
abr-61	24	12	to	to	PART
abr-61	24	13	cover	cover	VERB
abr-61	24	14	all	all	DET
abr-61	24	15	its	its	PRON
abr-61	24	16	costs	cost	NOUN
abr-61	24	17	that	that	PRON
abr-61	24	18	incur	incur	VERB
abr-61	24	19	by	by	ADP
abr-61	24	20	doing	do	VERB
abr-61	24	21	business	business	NOUN
abr-61	24	22	.	.	PUNCT
abr-61	25	1	oss	oss	PROPN
abr-61	25	2	also	also	ADV
abr-61	25	3	allows	allow	VERB
abr-61	25	4	getting	get	VERB
abr-61	25	5	a	a	DET
abr-61	25	6	subjective	subjective	ADJ
abr-61	25	7	and	and	CCONJ
abr-61	25	8	global	global	ADJ
abr-61	25	9	picture	picture	NOUN
abr-61	25	10	of	of	ADP
abr-61	25	11	the	the	DET
abr-61	25	12	institution	institution	NOUN
abr-61	25	13	in	in	ADP
abr-61	25	14	terms	term	NOUN
abr-61	25	15	of	of	ADP
abr-61	25	16	its	its	PRON
abr-61	25	17	financial	financial	ADJ
abr-61	25	18	performance	performance	NOUN
abr-61	25	19	(	(	PUNCT
abr-61	25	20	barres	barre	NOUN
abr-61	25	21	,	,	PUNCT
abr-61	25	22	2006	2006	NUM
abr-61	25	23	)	)	PUNCT
abr-61	25	24	.	.	PUNCT
abr-61	26	1	the	the	DET
abr-61	26	2	examination	examination	NOUN
abr-61	26	3	of	of	ADP
abr-61	26	4	the	the	DET
abr-61	26	5	fss	fss	NOUN
abr-61	26	6	requires	require	VERB
abr-61	26	7	such	such	ADJ
abr-61	26	8	additional	additional	ADJ
abr-61	26	9	information	information	NOUN
abr-61	26	10	as	as	ADP
abr-61	26	11	the	the	DET
abr-61	26	12	inflation	inflation	NOUN
abr-61	26	13	rate	rate	NOUN
abr-61	26	14	and	and	CCONJ
abr-61	26	15	the	the	DET
abr-61	26	16	adjusted	adjust	VERB
abr-61	26	17	cost	cost	NOUN
abr-61	26	18	of	of	ADP
abr-61	26	19	capital	capital	NOUN
abr-61	26	20	,	,	PUNCT
abr-61	26	21	which	which	PRON
abr-61	26	22	are	be	AUX
abr-61	26	23	often	often	ADV
abr-61	26	24	not	not	PART
abr-61	26	25	readily	readily	ADV
abr-61	26	26	available	available	ADJ
abr-61	26	27	for	for	ADP
abr-61	26	28	the	the	DET
abr-61	26	29	developing	develop	VERB
abr-61	26	30	countries	country	NOUN
abr-61	26	31	included	include	VERB
abr-61	26	32	in	in	ADP
abr-61	26	33	this	this	DET
abr-61	26	34	study	study	NOUN
abr-61	26	35	.	.	PUNCT
abr-61	27	1	the	the	DET
abr-61	27	2	year	year	NOUN
abr-61	27	3	2006	2006	NUM
abr-61	27	4	and	and	CCONJ
abr-61	27	5	2008	2008	NUM
abr-61	27	6	are	be	AUX
abr-61	27	7	chosen	choose	VERB
abr-61	27	8	to	to	PART
abr-61	27	9	test	test	VERB
abr-61	27	10	if	if	SCONJ
abr-61	27	11	the	the	DET
abr-61	27	12	recent	recent	ADJ
abr-61	27	13	worldwide	worldwide	ADJ
abr-61	27	14	recession	recession	NOUN
abr-61	27	15	had	have	VERB
abr-61	27	16	any	any	DET
abr-61	27	17	significant	significant	ADJ
abr-61	27	18	impact	impact	NOUN
abr-61	27	19	on	on	ADP
abr-61	27	20	the	the	DET
abr-61	27	21	oss	oss	NOUN
abr-61	27	22	of	of	ADP
abr-61	27	23	mfis	mfis	PROPN
abr-61	27	24	.	.	PUNCT
abr-61	28	1	the	the	DET
abr-61	28	2	microfinance	microfinance	NOUN
abr-61	28	3	sector	sector	NOUN
abr-61	28	4	differs	differ	VERB
abr-61	28	5	mainly	mainly	ADV
abr-61	28	6	from	from	ADP
abr-61	28	7	other	other	ADJ
abr-61	28	8	financial	financial	ADJ
abr-61	28	9	sectors	sector	NOUN
abr-61	28	10	in	in	ADP
abr-61	28	11	that	that	DET
abr-61	28	12	microfinance	microfinance	NOUN
abr-61	28	13	addresses	address	NOUN
abr-61	28	14	clients	client	NOUN
abr-61	28	15	who	who	PRON
abr-61	28	16	are	be	AUX
abr-61	28	17	less	less	ADV
abr-61	28	18	financially	financially	ADV
abr-61	28	19	rewarding	rewarding	ADJ
abr-61	28	20	or	or	CCONJ
abr-61	28	21	are	be	AUX
abr-61	28	22	not	not	PART
abr-61	28	23	in	in	ADP
abr-61	28	24	conventional	conventional	ADJ
abr-61	28	25	banks	bank	NOUN
abr-61	28	26	’	'	PUNCT
abr-61	28	27	interest	interest	NOUN
abr-61	28	28	.	.	PUNCT
abr-61	29	1	mfis	mfis	PROPN
abr-61	29	2	serve	serve	VERB
abr-61	29	3	poor	poor	ADJ
abr-61	29	4	populations	population	NOUN
abr-61	29	5	which	which	PRON
abr-61	29	6	can	can	AUX
abr-61	29	7	not	not	PART
abr-61	29	8	post	post	VERB
abr-61	29	9	any	any	DET
abr-61	29	10	collateral	collateral	NOUN
abr-61	29	11	or	or	CCONJ
abr-61	29	12	other	other	ADJ
abr-61	29	13	financial	financial	ADJ
abr-61	29	14	securities	security	NOUN
abr-61	29	15	with	with	ADP
abr-61	29	16	microfinance	microfinance	NOUN
abr-61	29	17	services	service	NOUN
abr-61	29	18	,	,	PUNCT
abr-61	29	19	such	such	ADJ
abr-61	29	20	as	as	ADP
abr-61	29	21	small	small	ADJ
abr-61	29	22	-	-	PUNCT
abr-61	29	23	sized	sized	ADJ
abr-61	29	24	loans	loan	NOUN
abr-61	29	25	,	,	PUNCT
abr-61	29	26	often	often	ADV
abr-61	29	27	$	$	SYM
abr-61	29	28	100	100	NUM
abr-61	29	29	or	or	CCONJ
abr-61	29	30	even	even	ADV
abr-61	29	31	less	less	ADJ
abr-61	29	32	,	,	PUNCT
abr-61	29	33	so	so	ADV
abr-61	29	34	called	call	VERB
abr-61	29	35	micro	micro	ADJ
abr-61	29	36	credits	credit	NOUN
abr-61	29	37	(	(	PUNCT
abr-61	29	38	reno	reno	PROPN
abr-61	29	39	-	-	PUNCT
abr-61	29	40	weber	weber	PROPN
abr-61	29	41	,	,	PUNCT
abr-61	29	42	2008	2008	NUM
abr-61	29	43	)	)	PUNCT
abr-61	29	44	.	.	PUNCT
abr-61	30	1	the	the	DET
abr-61	30	2	success	success	NOUN
abr-61	30	3	of	of	ADP
abr-61	30	4	schäfer	schäfer	NOUN
abr-61	30	5	and	and	CCONJ
abr-61	30	6	fukasawa	fukasawa	NOUN
abr-61	30	7	advances	advance	NOUN
abr-61	30	8	in	in	ADP
abr-61	30	9	business	business	NOUN
abr-61	30	10	research	research	NOUN
abr-61	30	11	2011	2011	NUM
abr-61	30	12	,	,	PUNCT
abr-61	30	13	vol	vol	NOUN
abr-61	30	14	.	.	PROPN
abr-61	30	15	2	2	NUM
abr-61	30	16	,	,	PUNCT
abr-61	30	17	no	no	INTJ
abr-61	30	18	.	.	NOUN
abr-61	30	19	1	1	NUM
abr-61	30	20	,	,	PUNCT
abr-61	30	21	172	172	NUM
abr-61	30	22	-	-	SYM
abr-61	30	23	178	178	NUM
abr-61	30	24	173	173	NUM
abr-61	30	25	mfis	mfis	NOUN
abr-61	30	26	is	be	AUX
abr-61	30	27	based	base	VERB
abr-61	30	28	on	on	ADP
abr-61	30	29	their	their	PRON
abr-61	30	30	two	two	NUM
abr-61	30	31	main	main	ADJ
abr-61	30	32	goals	goal	NOUN
abr-61	30	33	:	:	PUNCT
abr-61	30	34	the	the	DET
abr-61	30	35	group	group	NOUN
abr-61	30	36	-	-	PUNCT
abr-61	30	37	lending	lending	NOUN
abr-61	30	38	concept	concept	NOUN
abr-61	30	39	and	and	CCONJ
abr-61	30	40	teaching	teach	VERB
abr-61	30	41	self	self	NOUN
abr-61	30	42	-	-	PUNCT
abr-61	30	43	help	help	NOUN
abr-61	30	44	to	to	ADP
abr-61	30	45	the	the	DET
abr-61	30	46	poor	poor	ADJ
abr-61	30	47	,	,	PUNCT
abr-61	30	48	as	as	SCONJ
abr-61	30	49	pointed	point	VERB
abr-61	30	50	out	out	ADP
abr-61	30	51	by	by	ADP
abr-61	30	52	robinson	robinson	PROPN
abr-61	30	53	(	(	PUNCT
abr-61	30	54	2001	2001	NUM
abr-61	30	55	)	)	PUNCT
abr-61	30	56	the	the	DET
abr-61	30	57	provision	provision	NOUN
abr-61	30	58	of	of	ADP
abr-61	30	59	financial	financial	ADJ
abr-61	30	60	services	service	NOUN
abr-61	30	61	to	to	ADP
abr-61	30	62	the	the	DET
abr-61	30	63	poor	poor	ADJ
abr-61	30	64	has	have	AUX
abr-61	30	65	gone	go	VERB
abr-61	30	66	through	through	ADP
abr-61	30	67	three	three	NUM
abr-61	30	68	distinct	distinct	ADJ
abr-61	30	69	,	,	PUNCT
abr-61	30	70	but	but	CCONJ
abr-61	30	71	overlapping	overlap	VERB
abr-61	30	72	phases	phase	NOUN
abr-61	30	73	.	.	PUNCT
abr-61	31	1	in	in	ADP
abr-61	31	2	the	the	DET
abr-61	31	3	first	first	ADJ
abr-61	31	4	phase	phase	NOUN
abr-61	31	5	,	,	PUNCT
abr-61	31	6	the	the	DET
abr-61	31	7	focus	focus	NOUN
abr-61	31	8	was	be	AUX
abr-61	31	9	on	on	ADP
abr-61	31	10	providing	provide	VERB
abr-61	31	11	subsidies	subsidy	NOUN
abr-61	31	12	to	to	ADP
abr-61	31	13	the	the	DET
abr-61	31	14	poor	poor	ADJ
abr-61	31	15	and	and	CCONJ
abr-61	31	16	was	be	AUX
abr-61	31	17	the	the	DET
abr-61	31	18	dominating	dominating	NOUN
abr-61	31	19	form	form	NOUN
abr-61	31	20	in	in	ADP
abr-61	31	21	the	the	DET
abr-61	31	22	1960	1960	NUM
abr-61	31	23	’s	’s	NOUN
abr-61	31	24	.	.	PUNCT
abr-61	32	1	this	this	DET
abr-61	32	2	form	form	NOUN
abr-61	32	3	was	be	AUX
abr-61	32	4	mainly	mainly	ADV
abr-61	32	5	implemented	implement	VERB
abr-61	32	6	by	by	ADP
abr-61	32	7	governmental	governmental	ADJ
abr-61	32	8	agencies	agency	NOUN
abr-61	32	9	and	and	CCONJ
abr-61	32	10	the	the	DET
abr-61	32	11	aim	aim	NOUN
abr-61	32	12	was	be	AUX
abr-61	32	13	to	to	PART
abr-61	32	14	help	help	VERB
abr-61	32	15	farmers	farmer	NOUN
abr-61	32	16	improve	improve	VERB
abr-61	32	17	their	their	PRON
abr-61	32	18	productivity	productivity	NOUN
abr-61	32	19	and	and	CCONJ
abr-61	32	20	achieve	achieve	VERB
abr-61	32	21	food	food	NOUN
abr-61	32	22	security	security	NOUN
abr-61	32	23	(	(	PUNCT
abr-61	32	24	cgap	cgap	PROPN
abr-61	32	25	,	,	PUNCT
abr-61	32	26	2003	2003	NUM
abr-61	32	27	)	)	PUNCT
abr-61	32	28	.	.	PUNCT
abr-61	33	1	during	during	ADP
abr-61	33	2	the	the	DET
abr-61	33	3	1960s	1960	NOUN
abr-61	33	4	and	and	CCONJ
abr-61	33	5	1970s	1970	NOUN
abr-61	33	6	the	the	DET
abr-61	33	7	poor	poor	ADJ
abr-61	33	8	population	population	NOUN
abr-61	33	9	was	be	AUX
abr-61	33	10	considered	consider	VERB
abr-61	33	11	to	to	PART
abr-61	33	12	be	be	AUX
abr-61	33	13	“	"	PUNCT
abr-61	33	14	unbankable	unbankable	ADJ
abr-61	33	15	”	"	PUNCT
abr-61	33	16	(	(	PUNCT
abr-61	33	17	campion	campion	NOUN
abr-61	33	18	and	and	CCONJ
abr-61	33	19	white	white	ADJ
abr-61	33	20	,	,	PUNCT
abr-61	33	21	1999	1999	NUM
abr-61	33	22	)	)	PUNCT
abr-61	33	23	.	.	PUNCT
abr-61	34	1	imboden	imboden	PROPN
abr-61	34	2	(	(	PUNCT
abr-61	34	3	2005	2005	NUM
abr-61	34	4	)	)	PUNCT
abr-61	34	5	describes	describe	VERB
abr-61	34	6	the	the	DET
abr-61	34	7	term	term	NOUN
abr-61	34	8	“	"	PUNCT
abr-61	34	9	bankable	bankable	ADJ
abr-61	34	10	”	"	PUNCT
abr-61	34	11	as	as	ADP
abr-61	34	12	individuals	individual	NOUN
abr-61	34	13	or	or	CCONJ
abr-61	34	14	enterprises	enterprise	NOUN
abr-61	34	15	being	be	AUX
abr-61	34	16	in	in	ADP
abr-61	34	17	a	a	DET
abr-61	34	18	position	position	NOUN
abr-61	34	19	to	to	PART
abr-61	34	20	benefit	benefit	VERB
abr-61	34	21	from	from	ADP
abr-61	34	22	financial	financial	ADJ
abr-61	34	23	services	service	NOUN
abr-61	34	24	.	.	PUNCT
abr-61	35	1	generating	generate	VERB
abr-61	35	2	income	income	NOUN
abr-61	35	3	enables	enable	VERB
abr-61	35	4	them	they	PRON
abr-61	35	5	to	to	PART
abr-61	35	6	repay	repay	VERB
abr-61	35	7	loans	loan	NOUN
abr-61	35	8	,	,	PUNCT
abr-61	35	9	to	to	PART
abr-61	35	10	save	save	VERB
abr-61	35	11	or	or	CCONJ
abr-61	35	12	to	to	PART
abr-61	35	13	build	build	VERB
abr-61	35	14	assets	asset	NOUN
abr-61	35	15	.	.	PUNCT
abr-61	36	1	thus	thus	ADV
abr-61	36	2	,	,	PUNCT
abr-61	36	3	“	"	PUNCT
abr-61	36	4	unbankable	unbankable	ADJ
abr-61	36	5	”	"	PUNCT
abr-61	36	6	refers	refer	VERB
abr-61	36	7	to	to	ADP
abr-61	36	8	individuals	individual	NOUN
abr-61	36	9	or	or	CCONJ
abr-61	36	10	enterprises	enterprise	NOUN
abr-61	36	11	that	that	PRON
abr-61	36	12	are	be	AUX
abr-61	36	13	not	not	PART
abr-61	36	14	in	in	ADP
abr-61	36	15	such	such	DET
abr-61	36	16	a	a	DET
abr-61	36	17	position	position	NOUN
abr-61	36	18	.	.	PUNCT
abr-61	37	1	in	in	ADP
abr-61	37	2	the	the	DET
abr-61	37	3	early	early	ADJ
abr-61	37	4	1970s	1970	NOUN
abr-61	37	5	the	the	DET
abr-61	37	6	first	first	ADJ
abr-61	37	7	microfinance	microfinance	NOUN
abr-61	37	8	pioneers	pioneer	NOUN
abr-61	37	9	,	,	PUNCT
abr-61	37	10	such	such	ADJ
abr-61	37	11	as	as	ADP
abr-61	37	12	the	the	DET
abr-61	37	13	bangladeshi	bangladeshi	PROPN
abr-61	37	14	grameen	grameen	PROPN
abr-61	37	15	bank	bank	PROPN
abr-61	37	16	or	or	CCONJ
abr-61	37	17	accion	accion	PROPN
abr-61	37	18	international	international	PROPN
abr-61	37	19	in	in	ADP
abr-61	37	20	latin	latin	PROPN
abr-61	37	21	america	america	PROPN
abr-61	37	22	,	,	PUNCT
abr-61	37	23	experimented	experiment	VERB
abr-61	37	24	with	with	ADP
abr-61	37	25	small	small	ADJ
abr-61	37	26	loans	loan	NOUN
abr-61	37	27	given	give	VERB
abr-61	37	28	to	to	ADP
abr-61	37	29	poor	poor	ADJ
abr-61	37	30	women	woman	NOUN
abr-61	37	31	for	for	ADP
abr-61	37	32	small	small	ADJ
abr-61	37	33	businesses	business	NOUN
abr-61	37	34	.	.	PUNCT
abr-61	38	1	in	in	ADP
abr-61	38	2	the	the	DET
abr-61	38	3	mid-1970s	mid-1970	NOUN
abr-61	38	4	,	,	PUNCT
abr-61	38	5	ngos	ngo	NOUN
abr-61	38	6	took	take	VERB
abr-61	38	7	the	the	DET
abr-61	38	8	role	role	NOUN
abr-61	38	9	of	of	ADP
abr-61	38	10	giving	give	VERB
abr-61	38	11	credit	credit	NOUN
abr-61	38	12	to	to	ADP
abr-61	38	13	the	the	DET
abr-61	38	14	poor	poor	ADJ
abr-61	38	15	and	and	CCONJ
abr-61	38	16	developed	develop	VERB
abr-61	38	17	more	more	ADJ
abr-61	38	18	innovative	innovative	ADJ
abr-61	38	19	methods	method	NOUN
abr-61	38	20	,	,	PUNCT
abr-61	38	21	such	such	ADJ
abr-61	38	22	as	as	ADP
abr-61	38	23	group	group	NOUN
abr-61	38	24	lending	lending	NOUN
abr-61	38	25	,	,	PUNCT
abr-61	38	26	to	to	PART
abr-61	38	27	meet	meet	VERB
abr-61	38	28	the	the	DET
abr-61	38	29	requirements	requirement	NOUN
abr-61	38	30	of	of	ADP
abr-61	38	31	the	the	DET
abr-61	38	32	poor	poor	ADJ
abr-61	38	33	.	.	PUNCT
abr-61	39	1	this	this	DET
abr-61	39	2	period	period	NOUN
abr-61	39	3	is	be	AUX
abr-61	39	4	seen	see	VERB
abr-61	39	5	as	as	ADP
abr-61	39	6	the	the	DET
abr-61	39	7	birth	birth	NOUN
abr-61	39	8	of	of	ADP
abr-61	39	9	microcredit	microcredit	NOUN
abr-61	39	10	.	.	PUNCT
abr-61	40	1	in	in	ADP
abr-61	40	2	the	the	DET
abr-61	40	3	1980s	1980s	NUM
abr-61	40	4	,	,	PUNCT
abr-61	40	5	an	an	DET
abr-61	40	6	increasing	increase	VERB
abr-61	40	7	number	number	NOUN
abr-61	40	8	of	of	ADP
abr-61	40	9	mfis	mfis	NOUN
abr-61	40	10	improved	improve	VERB
abr-61	40	11	their	their	PRON
abr-61	40	12	efficiency	efficiency	NOUN
abr-61	40	13	and	and	CCONJ
abr-61	40	14	were	be	AUX
abr-61	40	15	able	able	ADJ
abr-61	40	16	to	to	PART
abr-61	40	17	recover	recover	VERB
abr-61	40	18	their	their	PRON
abr-61	40	19	costs	cost	NOUN
abr-61	40	20	and	and	CCONJ
abr-61	40	21	even	even	ADV
abr-61	40	22	attract	attract	VERB
abr-61	40	23	deposits	deposit	NOUN
abr-61	40	24	,	,	PUNCT
abr-61	40	25	commercial	commercial	ADJ
abr-61	40	26	loans	loan	NOUN
abr-61	40	27	and	and	CCONJ
abr-61	40	28	investment	investment	NOUN
abr-61	40	29	capital	capital	NOUN
abr-61	40	30	(	(	PUNCT
abr-61	40	31	helms	helm	NOUN
abr-61	40	32	,	,	PUNCT
abr-61	40	33	2006	2006	NUM
abr-61	40	34	)	)	PUNCT
abr-61	40	35	.	.	PUNCT
abr-61	41	1	this	this	PRON
abr-61	41	2	was	be	AUX
abr-61	41	3	followed	follow	VERB
abr-61	41	4	by	by	ADP
abr-61	41	5	the	the	DET
abr-61	41	6	third	third	ADJ
abr-61	41	7	phase	phase	NOUN
abr-61	41	8	in	in	ADP
abr-61	41	9	the	the	DET
abr-61	41	10	mid-1990	mid-1990	NOUN
abr-61	41	11	’s	’s	PART
abr-61	41	12	,	,	PUNCT
abr-61	41	13	when	when	SCONJ
abr-61	41	14	ngos	ngo	NOUN
abr-61	41	15	were	be	AUX
abr-61	41	16	transformed	transform	VERB
abr-61	41	17	into	into	ADP
abr-61	41	18	commercial	commercial	ADJ
abr-61	41	19	banks	bank	NOUN
abr-61	41	20	or	or	CCONJ
abr-61	41	21	formal	formal	ADJ
abr-61	41	22	financial	financial	ADJ
abr-61	41	23	institutions	institution	NOUN
abr-61	41	24	(	(	PUNCT
abr-61	41	25	getu	getu	NOUN
abr-61	41	26	and	and	CCONJ
abr-61	41	27	kempton	kempton	PROPN
abr-61	41	28	)	)	PUNCT
abr-61	41	29	.	.	PUNCT
abr-61	42	1	rather	rather	ADV
abr-61	42	2	than	than	ADP
abr-61	42	3	just	just	ADV
abr-61	42	4	granting	grant	VERB
abr-61	42	5	micro	micro	ADJ
abr-61	42	6	credits	credit	NOUN
abr-61	42	7	,	,	PUNCT
abr-61	42	8	the	the	DET
abr-61	42	9	range	range	NOUN
abr-61	42	10	of	of	ADP
abr-61	42	11	financial	financial	ADJ
abr-61	42	12	services	service	NOUN
abr-61	42	13	was	be	AUX
abr-61	42	14	extended	extend	VERB
abr-61	42	15	to	to	ADP
abr-61	42	16	more	more	ADV
abr-61	42	17	comprehensive	comprehensive	ADJ
abr-61	42	18	services	service	NOUN
abr-61	42	19	,	,	PUNCT
abr-61	42	20	including	include	VERB
abr-61	42	21	savings	saving	NOUN
abr-61	42	22	and	and	CCONJ
abr-61	42	23	insurance	insurance	NOUN
abr-61	42	24	(	(	PUNCT
abr-61	42	25	helms	helm	NOUN
abr-61	42	26	,	,	PUNCT
abr-61	42	27	2006	2006	NUM
abr-61	42	28	)	)	PUNCT
abr-61	42	29	.	.	PUNCT
abr-61	43	1	the	the	DET
abr-61	43	2	seep	seep	NOUN
abr-61	43	3	network	network	NOUN
abr-61	43	4	(	(	PUNCT
abr-61	43	5	seep	seep	VERB
abr-61	43	6	network	network	NOUN
abr-61	43	7	,	,	PUNCT
abr-61	43	8	2005	2005	NUM
abr-61	43	9	)	)	PUNCT
abr-61	43	10	defines	define	VERB
abr-61	43	11	an	an	DET
abr-61	43	12	mfi	mfi	PROPN
abr-61	43	13	’s	’s	PART
abr-61	43	14	oss	oss	NOUN
abr-61	43	15	as	as	ADP
abr-61	43	16	percentage	percentage	NOUN
abr-61	43	17	ratio	ratio	NOUN
abr-61	43	18	as	as	SCONJ
abr-61	43	19	follows	follow	VERB
abr-61	43	20	:	:	PUNCT
abr-61	43	21	oss	oss	NOUN
abr-61	43	22	=	=	SYM
abr-61	43	23	(	(	PUNCT
abr-61	43	24	operating	operating	NOUN
abr-61	43	25	revenue	revenue	NOUN
abr-61	43	26	)	)	PUNCT
abr-61	43	27	/	/	PUNCT
abr-61	44	1	(	(	PUNCT
abr-61	44	2	operating	operate	VERB
abr-61	44	3	expenses	expense	NOUN
abr-61	44	4	+	+	CCONJ
abr-61	44	5	financial	financial	ADJ
abr-61	44	6	costs	cost	NOUN
abr-61	44	7	+	+	CCONJ
abr-61	44	8	impairment	impairment	ADJ
abr-61	44	9	losses	loss	NOUN
abr-61	44	10	on	on	ADP
abr-61	44	11	loans	loan	NOUN
abr-61	44	12	)	)	PUNCT
abr-61	44	13	the	the	DET
abr-61	44	14	operating	operating	NOUN
abr-61	44	15	expenses	expense	NOUN
abr-61	44	16	include	include	VERB
abr-61	44	17	administrative	administrative	ADJ
abr-61	44	18	and	and	CCONJ
abr-61	44	19	personnel	personnel	NOUN
abr-61	44	20	expenses	expense	NOUN
abr-61	44	21	that	that	PRON
abr-61	44	22	are	be	AUX
abr-61	44	23	incurred	incur	VERB
abr-61	44	24	by	by	ADP
abr-61	44	25	providing	provide	VERB
abr-61	44	26	financial	financial	ADJ
abr-61	44	27	services	service	NOUN
abr-61	44	28	while	while	SCONJ
abr-61	44	29	financial	financial	ADJ
abr-61	44	30	revenues	revenue	NOUN
abr-61	44	31	represent	represent	VERB
abr-61	44	32	the	the	DET
abr-61	44	33	product	product	NOUN
abr-61	44	34	of	of	ADP
abr-61	44	35	an	an	DET
abr-61	44	36	mfi	mfi	PROPN
abr-61	44	37	’s	’s	PART
abr-61	44	38	loan	loan	NOUN
abr-61	44	39	portfolio	portfolio	NOUN
abr-61	44	40	and	and	CCONJ
abr-61	44	41	the	the	DET
abr-61	44	42	interest	interest	NOUN
abr-61	44	43	rates	rate	NOUN
abr-61	44	44	charged	charge	VERB
abr-61	44	45	on	on	ADP
abr-61	44	46	loans	loan	NOUN
abr-61	44	47	.	.	PUNCT
abr-61	45	1	the	the	DET
abr-61	45	2	oss	oss	NOUN
abr-61	45	3	focuses	focus	VERB
abr-61	45	4	on	on	ADP
abr-61	45	5	an	an	DET
abr-61	45	6	mfi	mfi	PROPN
abr-61	45	7	’s	’s	PART
abr-61	45	8	core	core	PROPN
abr-61	45	9	business	business	NOUN
abr-61	45	10	revenues	revenue	NOUN
abr-61	45	11	and	and	CCONJ
abr-61	45	12	expenses	expense	NOUN
abr-61	45	13	.	.	PUNCT
abr-61	46	1	financial	financial	ADJ
abr-61	46	2	expenses	expense	NOUN
abr-61	46	3	and	and	CCONJ
abr-61	46	4	impairment	impairment	ADJ
abr-61	46	5	losses	loss	NOUN
abr-61	46	6	on	on	ADP
abr-61	46	7	loans	loan	NOUN
abr-61	46	8	are	be	AUX
abr-61	46	9	included	include	VERB
abr-61	46	10	in	in	ADP
abr-61	46	11	this	this	DET
abr-61	46	12	calculation	calculation	NOUN
abr-61	46	13	because	because	SCONJ
abr-61	46	14	they	they	PRON
abr-61	46	15	are	be	AUX
abr-61	46	16	normal	normal	ADJ
abr-61	46	17	and	and	CCONJ
abr-61	46	18	significant	significant	ADJ
abr-61	46	19	costs	cost	NOUN
abr-61	46	20	of	of	ADP
abr-61	46	21	microfinance	microfinance	NOUN
abr-61	46	22	operation	operation	NOUN
abr-61	46	23	.	.	PUNCT
abr-61	47	1	the	the	DET
abr-61	47	2	oss	oss	NOUN
abr-61	47	3	indicates	indicate	VERB
abr-61	47	4	also	also	ADV
abr-61	47	5	if	if	SCONJ
abr-61	47	6	an	an	DET
abr-61	47	7	mfi	mfi	PROPN
abr-61	47	8	is	be	AUX
abr-61	47	9	able	able	ADJ
abr-61	47	10	to	to	PART
abr-61	47	11	continue	continue	VERB
abr-61	47	12	business	business	NOUN
abr-61	47	13	without	without	ADP
abr-61	47	14	further	further	ADJ
abr-61	47	15	external	external	ADJ
abr-61	47	16	subsidies	subsidy	NOUN
abr-61	47	17	or	or	CCONJ
abr-61	47	18	not	not	PART
abr-61	47	19	.	.	PUNCT
abr-61	48	1	this	this	PRON
abr-61	48	2	is	be	AUX
abr-61	48	3	the	the	DET
abr-61	48	4	case	case	NOUN
abr-61	48	5	when	when	SCONJ
abr-61	48	6	the	the	DET
abr-61	48	7	oss	oss	NOUN
abr-61	48	8	is	be	AUX
abr-61	48	9	above	above	ADP
abr-61	48	10	100	100	NUM
abr-61	48	11	%	%	NOUN
abr-61	48	12	.	.	PUNCT
abr-61	49	1	a	a	DET
abr-61	49	2	ratio	ratio	NOUN
abr-61	49	3	of	of	ADP
abr-61	49	4	100	100	NUM
abr-61	49	5	%	%	NOUN
abr-61	49	6	in	in	ADP
abr-61	49	7	oss	oss	NOUN
abr-61	49	8	is	be	AUX
abr-61	49	9	also	also	ADV
abr-61	49	10	a	a	DET
abr-61	49	11	break	break	NOUN
abr-61	49	12	-	-	PUNCT
abr-61	49	13	even	even	ADV
abr-61	49	14	point	point	NOUN
abr-61	49	15	for	for	ADP
abr-61	49	16	an	an	DET
abr-61	49	17	mfi	mfi	PROPN
abr-61	49	18	’s	’s	PART
abr-61	49	19	operation	operation	NOUN
abr-61	49	20	.	.	PUNCT
abr-61	50	1	a	a	DET
abr-61	50	2	ratio	ratio	NOUN
abr-61	50	3	below	below	ADP
abr-61	50	4	100	100	NUM
abr-61	50	5	%	%	NOUN
abr-61	50	6	,	,	PUNCT
abr-61	50	7	however	however	ADV
abr-61	50	8	,	,	PUNCT
abr-61	50	9	indicates	indicate	VERB
abr-61	50	10	that	that	SCONJ
abr-61	50	11	the	the	DET
abr-61	50	12	mfi	mfi	PROPN
abr-61	50	13	is	be	AUX
abr-61	50	14	incurring	incur	VERB
abr-61	50	15	losses	loss	NOUN
abr-61	50	16	.	.	PUNCT
abr-61	51	1	the	the	DET
abr-61	51	2	seep	seep	NOUN
abr-61	51	3	network	network	NOUN
abr-61	51	4	found	find	VERB
abr-61	51	5	that	that	SCONJ
abr-61	51	6	start	start	VERB
abr-61	51	7	-	-	PUNCT
abr-61	51	8	up	up	ADP
abr-61	51	9	mfis	mfis	NOUN
abr-61	51	10	tend	tend	VERB
abr-61	51	11	to	to	PART
abr-61	51	12	have	have	VERB
abr-61	51	13	a	a	DET
abr-61	51	14	lower	low	ADJ
abr-61	51	15	oss	oss	NOUN
abr-61	51	16	than	than	ADP
abr-61	51	17	mature	mature	ADJ
abr-61	51	18	mfis	mfis	NOUN
abr-61	51	19	,	,	PUNCT
abr-61	51	20	implying	imply	VERB
abr-61	51	21	start	start	NOUN
abr-61	51	22	-	-	PUNCT
abr-61	51	23	ups	up	NOUN
abr-61	51	24	are	be	AUX
abr-61	51	25	less	less	ADV
abr-61	51	26	profitable	profitable	ADJ
abr-61	51	27	.	.	PUNCT
abr-61	52	1	model	model	NOUN
abr-61	52	2	and	and	CCONJ
abr-61	52	3	empirical	empirical	ADJ
abr-61	52	4	results	result	NOUN
abr-61	52	5	for	for	ADP
abr-61	52	6	the	the	DET
abr-61	52	7	analysis	analysis	NOUN
abr-61	52	8	of	of	ADP
abr-61	52	9	the	the	DET
abr-61	52	10	model	model	NOUN
abr-61	52	11	,	,	PUNCT
abr-61	52	12	the	the	DET
abr-61	52	13	ordinary	ordinary	ADJ
abr-61	52	14	least	least	ADJ
abr-61	52	15	squares	square	NOUN
abr-61	52	16	regression	regression	NOUN
abr-61	52	17	method	method	NOUN
abr-61	52	18	was	be	AUX
abr-61	52	19	used	use	VERB
abr-61	52	20	.	.	PUNCT
abr-61	53	1	the	the	DET
abr-61	53	2	data	data	NOUN
abr-61	53	3	sample	sample	NOUN
abr-61	53	4	used	use	VERB
abr-61	53	5	in	in	ADP
abr-61	53	6	this	this	DET
abr-61	53	7	study	study	NOUN
abr-61	53	8	was	be	AUX
abr-61	53	9	retrieved	retrieve	VERB
abr-61	53	10	from	from	ADP
abr-61	53	11	the	the	DET
abr-61	53	12	mix	mix	NOUN
abr-61	53	13	and	and	CCONJ
abr-61	53	14	is	be	AUX
abr-61	53	15	based	base	VERB
abr-61	53	16	on	on	ADP
abr-61	53	17	the	the	DET
abr-61	53	18	mix	mix	NOUN
abr-61	53	19	global	global	ADJ
abr-61	53	20	composite	composite	ADJ
abr-61	53	21	ranking	ranking	NOUN
abr-61	53	22	in	in	ADP
abr-61	53	23	2006	2006	NUM
abr-61	53	24	and	and	CCONJ
abr-61	53	25	2008	2008	NUM
abr-61	53	26	.	.	PUNCT
abr-61	54	1	the	the	DET
abr-61	54	2	ranking	ranking	NOUN
abr-61	54	3	contains	contain	VERB
abr-61	54	4	factors	factor	NOUN
abr-61	54	5	such	such	ADJ
abr-61	54	6	as	as	ADP
abr-61	54	7	efficiency	efficiency	NOUN
abr-61	54	8	,	,	PUNCT
abr-61	54	9	outreach	outreach	NOUN
abr-61	54	10	,	,	PUNCT
abr-61	54	11	and	and	CCONJ
abr-61	54	12	financial	financial	ADJ
abr-61	54	13	performance	performance	NOUN
abr-61	54	14	.	.	PUNCT
abr-61	55	1	the	the	DET
abr-61	55	2	ranking	ranking	NOUN
abr-61	55	3	from	from	ADP
abr-61	55	4	2008	2008	NUM
abr-61	55	5	includes	include	VERB
abr-61	55	6	data	datum	NOUN
abr-61	55	7	from	from	ADP
abr-61	55	8	500	500	NUM
abr-61	55	9	mfis	mfis	NOUN
abr-61	55	10	worldwide	worldwide	ADV
abr-61	55	11	and	and	CCONJ
abr-61	55	12	is	be	AUX
abr-61	55	13	based	base	VERB
abr-61	55	14	on	on	ADP
abr-61	55	15	data	datum	NOUN
abr-61	55	16	from	from	ADP
abr-61	55	17	the	the	DET
abr-61	55	18	financial	financial	ADJ
abr-61	55	19	year	year	NOUN
abr-61	55	20	2008	2008	NUM
abr-61	55	21	.	.	PUNCT
abr-61	56	1	the	the	DET
abr-61	56	2	2006	2006	NUM
abr-61	56	3	ranking	ranking	NOUN
abr-61	56	4	is	be	AUX
abr-61	56	5	based	base	VERB
abr-61	56	6	on	on	ADP
abr-61	56	7	500mfis	500mfis	PROPN
abr-61	56	8	using	use	VERB
abr-61	56	9	the	the	DET
abr-61	56	10	2006	2006	NUM
abr-61	56	11	data	datum	NOUN
abr-61	56	12	.	.	PUNCT
abr-61	57	1	overall	overall	ADJ
abr-61	57	2	the	the	DET
abr-61	57	3	sample	sample	NOUN
abr-61	57	4	includes	include	VERB
abr-61	57	5	1,000	1,000	NUM
abr-61	57	6	mfis	mfis	NOUN
abr-61	57	7	composed	compose	VERB
abr-61	57	8	of	of	ADP
abr-61	57	9	113	113	NUM
abr-61	57	10	serving	serve	VERB
abr-61	57	11	in	in	ADP
abr-61	57	12	eastern	eastern	PROPN
abr-61	57	13	europe	europe	PROPN
abr-61	57	14	/	/	SYM
abr-61	57	15	central	central	PROPN
abr-61	57	16	asia	asia	PROPN
abr-61	57	17	(	(	PUNCT
abr-61	57	18	eca	eca	PROPN
abr-61	57	19	)	)	PUNCT
abr-61	57	20	,	,	PUNCT
abr-61	57	21	117	117	NUM
abr-61	57	22	in	in	ADP
abr-61	57	23	latin	latin	PROPN
abr-61	57	24	america	america	PROPN
abr-61	57	25	/	/	SYM
abr-61	57	26	caribbean	caribbean	PROPN
abr-61	57	27	(	(	PUNCT
abr-61	57	28	lac	lac	PROPN
abr-61	57	29	)	)	PUNCT
abr-61	57	30	,	,	PUNCT
abr-61	57	31	27	27	NUM
abr-61	57	32	in	in	ADP
abr-61	57	33	middle	middle	PROPN
abr-61	57	34	east	east	PROPN
abr-61	57	35	/	/	SYM
abr-61	57	36	north	north	PROPN
abr-61	57	37	africa	africa	PROPN
abr-61	57	38	(	(	PUNCT
abr-61	57	39	mena	mena	PROPN
abr-61	57	40	)	)	PUNCT
abr-61	57	41	,	,	PUNCT
abr-61	57	42	59	59	NUM
abr-61	57	43	in	in	ADP
abr-61	57	44	sub	sub	ADJ
abr-61	57	45	-	-	ADJ
abr-61	57	46	saharan	saharan	ADJ
abr-61	57	47	africa	africa	PROPN
abr-61	57	48	(	(	PUNCT
abr-61	57	49	africa	africa	PROPN
abr-61	57	50	)	)	PUNCT
abr-61	57	51	,	,	PUNCT
abr-61	57	52	and	and	CCONJ
abr-61	57	53	684	684	NUM
abr-61	57	54	serving	serve	VERB
abr-61	57	55	in	in	ADP
abr-61	57	56	the	the	DET
abr-61	57	57	region	region	NOUN
abr-61	57	58	of	of	ADP
abr-61	57	59	southern	southern	ADJ
abr-61	57	60	and	and	CCONJ
abr-61	57	61	eastern	eastern	ADJ
abr-61	57	62	asia	asia	PROPN
abr-61	57	63	(	(	PUNCT
abr-61	57	64	asia	asia	PROPN
abr-61	57	65	)	)	PUNCT
abr-61	57	66	.	.	PUNCT
abr-61	58	1	the	the	DET
abr-61	58	2	model	model	NOUN
abr-61	58	3	in	in	ADP
abr-61	58	4	this	this	DET
abr-61	58	5	study	study	NOUN
abr-61	58	6	is	be	AUX
abr-61	58	7	specified	specify	VERB
abr-61	58	8	as	as	SCONJ
abr-61	58	9	follows	follow	VERB
abr-61	58	10	:	:	PUNCT
abr-61	58	11	!	!	PUNCT
abr-61	59	1	"	"	PUNCT
abr-61	59	2	!	!	PUNCT
abr-61	60	1	#	#	SYM
abr-61	60	2	0	0	NUM
abr-61	60	3	$	$	SYM
abr-61	60	4	!	!	PUNCT
abr-61	61	1	#	#	SYM
abr-61	61	2	1x1	1x1	NUM
abr-61	61	3	$	$	SYM
abr-61	61	4	!	!	PUNCT
abr-61	62	1	#	#	SYM
abr-61	62	2	2x2	2x2	NUM
abr-61	62	3	$	$	SYM
abr-61	62	4	!	!	PUNCT
abr-61	63	1	#	#	SYM
abr-61	63	2	3x3	3x3	NUM
abr-61	63	3	$	$	SYM
abr-61	63	4	!	!	PUNCT
abr-61	64	1	#	#	SYM
abr-61	64	2	4x4	4x4	NUM
abr-61	64	3	$	$	SYM
abr-61	64	4	!	!	PUNCT
abr-61	65	1	#	#	SYM
abr-61	65	2	5x5	5x5	NUM
abr-61	65	3	$	$	SYM
abr-61	65	4	!	!	PUNCT
abr-61	65	5	#	#	SYM
abr-61	65	6	6x6	6x6	NUM
abr-61	65	7	$	$	SYM
abr-61	65	8	!	!	PUNCT
abr-61	66	1	#	#	SYM
abr-61	66	2	7x7	7x7	NUM
abr-61	66	3	$	$	SYM
abr-61	66	4	!	!	PUNCT
abr-61	67	1	#	#	SYM
abr-61	67	2	8x8	8x8	NUM
abr-61	67	3	$	$	SYM
abr-61	67	4	!	!	PUNCT
abr-61	68	1	#	#	SYM
abr-61	68	2	9x9	9x9	NUM
abr-61	68	3	$	$	SYM
abr-61	68	4	!	!	PUNCT
abr-61	68	5	#	#	SYM
abr-61	68	6	10x10	10x10	NUM
abr-61	69	1	+	+	CCONJ
abr-61	69	2	#	#	SYM
abr-61	69	3	11x11	11x11	NUM
abr-61	69	4	$	$	SYM
abr-61	69	5	!	!	PUNCT
abr-61	70	1	#	#	SYM
abr-61	70	2	12x12	12x12	NUM
abr-61	70	3	+	+	CCONJ
abr-61	70	4	#	#	SYM
abr-61	70	5	13x13	13x13	NUM
abr-61	70	6	$	$	SYM
abr-61	70	7	!	!	PUNCT
abr-61	70	8	%	%	NOUN
abr-61	70	9	schäfer	schäfer	NOUN
abr-61	70	10	and	and	CCONJ
abr-61	70	11	fukasawa	fukasawa	NOUN
abr-61	70	12	advances	advance	NOUN
abr-61	70	13	in	in	ADP
abr-61	70	14	business	business	NOUN
abr-61	70	15	research	research	NOUN
abr-61	70	16	2011	2011	NUM
abr-61	70	17	,	,	PUNCT
abr-61	70	18	vol	vol	NOUN
abr-61	70	19	.	.	PROPN
abr-61	70	20	2	2	NUM
abr-61	70	21	,	,	PUNCT
abr-61	70	22	no	no	INTJ
abr-61	70	23	.	.	NOUN
abr-61	70	24	1	1	NUM
abr-61	70	25	,	,	PUNCT
abr-61	70	26	172	172	NUM
abr-61	70	27	-	-	SYM
abr-61	70	28	178	178	NUM
abr-61	70	29	174	174	NUM
abr-61	70	30	where	where	SCONJ
abr-61	70	31	:	:	PUNCT
abr-61	70	32	y	y	PROPN
abr-61	70	33	=	=	PUNCT
abr-61	70	34	operational	operational	ADJ
abr-61	70	35	self	self	NOUN
abr-61	70	36	-	-	PUNCT
abr-61	70	37	sufficiency	sufficiency	NOUN
abr-61	70	38	(	(	PUNCT
abr-61	70	39	oss	oss	NOUN
abr-61	70	40	)	)	PUNCT
abr-61	70	41	of	of	ADP
abr-61	70	42	an	an	DET
abr-61	70	43	mfi	mfi	PROPN
abr-61	70	44	;	;	PUNCT
abr-61	70	45	x1	x1	PROPN
abr-61	70	46	=	=	NOUN
abr-61	70	47	number	number	NOUN
abr-61	70	48	of	of	ADP
abr-61	70	49	borrowers	borrower	NOUN
abr-61	70	50	in	in	ADP
abr-61	70	51	1,000s	1,000s	NUM
abr-61	70	52	served	serve	VERB
abr-61	70	53	by	by	ADP
abr-61	70	54	an	an	DET
abr-61	70	55	mfi	mfi	PROPN
abr-61	70	56	;	;	PUNCT
abr-61	70	57	x2	x2	PROPN
abr-61	70	58	=	=	PUNCT
abr-61	70	59	write	write	VERB
abr-61	70	60	-	-	PUNCT
abr-61	70	61	off	off	ADP
abr-61	70	62	ratio	ratio	NOUN
abr-61	70	63	(	(	PUNCT
abr-61	70	64	%	%	INTJ
abr-61	70	65	)	)	PUNCT
abr-61	70	66	;	;	PUNCT
abr-61	70	67	x3	x3	ADJ
abr-61	70	68	=	=	SYM
abr-61	70	69	depositors	depositor	NOUN
abr-61	70	70	/	/	SYM
abr-61	70	71	borrowers	borrower	NOUN
abr-61	70	72	ratio	ratio	NOUN
abr-61	70	73	;	;	PUNCT
abr-61	70	74	x4	x4	PROPN
abr-61	70	75	=	=	PUNCT
abr-61	70	76	cost	cost	NOUN
abr-61	70	77	per	per	ADP
abr-61	70	78	borrower	borrower	NOUN
abr-61	70	79	/	/	SYM
abr-61	70	80	gni	gni	PROPN
abr-61	70	81	per	per	ADP
abr-61	70	82	capita	capita	NOUN
abr-61	70	83	ratio	ratio	NOUN
abr-61	70	84	(	(	PUNCT
abr-61	70	85	%	%	INTJ
abr-61	70	86	)	)	PUNCT
abr-61	70	87	;	;	PUNCT
abr-61	70	88	x5	x5	NOUN
abr-61	70	89	=	=	SYM
abr-61	70	90	gross	gross	ADJ
abr-61	70	91	loan	loan	NOUN
abr-61	70	92	portfolio	portfolio	NOUN
abr-61	70	93	at	at	ADP
abr-61	70	94	risk	risk	NOUN
abr-61	70	95	>	>	PUNCT
abr-61	70	96	30	30	NUM
abr-61	70	97	days	day	NOUN
abr-61	70	98	(	(	PUNCT
abr-61	70	99	%	%	NOUN
abr-61	70	100	)	)	PUNCT
abr-61	70	101	;	;	PUNCT
abr-61	70	102	x6	x6	PROPN
abr-61	70	103	=	=	SYM
abr-61	70	104	deposits	deposit	NOUN
abr-61	70	105	/	/	SYM
abr-61	70	106	gross	gross	ADJ
abr-61	70	107	loan	loan	NOUN
abr-61	70	108	portfolio	portfolio	NOUN
abr-61	70	109	ratio	ratio	NOUN
abr-61	70	110	;	;	PUNCT
abr-61	70	111	x7	x7	NOUN
abr-61	70	112	=	=	SYM
abr-61	70	113	market	market	NOUN
abr-61	70	114	penetration	penetration	NOUN
abr-61	70	115	(	(	PUNCT
abr-61	70	116	%	%	INTJ
abr-61	70	117	)	)	PUNCT
abr-61	70	118	;	;	PUNCT
abr-61	70	119	x8	x8	NOUN
abr-61	70	120	=	=	PUNCT
abr-61	70	121	growth	growth	NOUN
abr-61	70	122	in	in	ADP
abr-61	70	123	borrowers	borrower	NOUN
abr-61	70	124	(	(	PUNCT
abr-61	70	125	%	%	INTJ
abr-61	70	126	)	)	PUNCT
abr-61	70	127	;	;	PUNCT
abr-61	70	128	x9	x9	NOUN
abr-61	70	129	,	,	PUNCT
abr-61	70	130	x10	x10	NOUN
abr-61	70	131	,	,	PUNCT
abr-61	70	132	x11	x11	PROPN
abr-61	70	133	,	,	PUNCT
abr-61	70	134	x12	x12	NUM
abr-61	70	135	=	=	SYM
abr-61	70	136	dummy	dummy	ADJ
abr-61	70	137	variables	variable	NOUN
abr-61	70	138	for	for	ADP
abr-61	70	139	the	the	DET
abr-61	70	140	region	region	NOUN
abr-61	70	141	;	;	PUNCT
abr-61	70	142	and	and	CCONJ
abr-61	70	143	x13	x13	NOUN
abr-61	70	144	=	=	SYM
abr-61	70	145	dummy	dummy	ADJ
abr-61	70	146	variable	variable	NOUN
abr-61	70	147	for	for	ADP
abr-61	70	148	the	the	DET
abr-61	70	149	year	year	NOUN
abr-61	70	150	.	.	PUNCT
abr-61	71	1	with	with	ADP
abr-61	71	2	respect	respect	NOUN
abr-61	71	3	to	to	ADP
abr-61	71	4	the	the	DET
abr-61	71	5	variable	variable	NOUN
abr-61	71	6	x1	x1	PROPN
abr-61	71	7	,	,	PUNCT
abr-61	71	8	it	it	PRON
abr-61	71	9	is	be	AUX
abr-61	71	10	expected	expect	VERB
abr-61	71	11	that	that	SCONJ
abr-61	71	12	an	an	DET
abr-61	71	13	mfi	mfi	PROPN
abr-61	71	14	’s	’s	PART
abr-61	71	15	oss	oss	NOUN
abr-61	71	16	is	be	AUX
abr-61	71	17	positively	positively	ADV
abr-61	71	18	related	relate	VERB
abr-61	71	19	to	to	ADP
abr-61	71	20	the	the	DET
abr-61	71	21	number	number	NOUN
abr-61	71	22	of	of	ADP
abr-61	71	23	borrowers	borrower	NOUN
abr-61	71	24	served	serve	VERB
abr-61	71	25	by	by	ADP
abr-61	71	26	the	the	DET
abr-61	71	27	financial	financial	ADJ
abr-61	71	28	institution	institution	NOUN
abr-61	71	29	.	.	PUNCT
abr-61	72	1	with	with	ADP
abr-61	72	2	a	a	DET
abr-61	72	3	greater	great	ADJ
abr-61	72	4	number	number	NOUN
abr-61	72	5	of	of	ADP
abr-61	72	6	borrowers	borrower	NOUN
abr-61	72	7	,	,	PUNCT
abr-61	72	8	an	an	DET
abr-61	72	9	mfi	mfi	PROPN
abr-61	72	10	can	can	AUX
abr-61	72	11	experience	experience	VERB
abr-61	72	12	economies	economy	NOUN
abr-61	72	13	of	of	ADP
abr-61	72	14	scale	scale	NOUN
abr-61	72	15	,	,	PUNCT
abr-61	72	16	reducing	reduce	VERB
abr-61	72	17	its	its	PRON
abr-61	72	18	average	average	ADJ
abr-61	72	19	cost	cost	NOUN
abr-61	72	20	of	of	ADP
abr-61	72	21	operation	operation	NOUN
abr-61	72	22	by	by	ADP
abr-61	72	23	spreading	spread	VERB
abr-61	72	24	overhead	overhead	ADJ
abr-61	72	25	costs	cost	NOUN
abr-61	72	26	over	over	ADP
abr-61	72	27	a	a	DET
abr-61	72	28	large	large	ADJ
abr-61	72	29	number	number	NOUN
abr-61	72	30	of	of	ADP
abr-61	72	31	borrowers	borrower	NOUN
abr-61	72	32	,	,	PUNCT
abr-61	72	33	and	and	CCONJ
abr-61	72	34	ultimately	ultimately	ADV
abr-61	72	35	increase	increase	VERB
abr-61	72	36	its	its	PRON
abr-61	72	37	profit	profit	NOUN
abr-61	72	38	.	.	PUNCT
abr-61	73	1	a	a	DET
abr-61	73	2	bigger	big	ADJ
abr-61	73	3	case	case	NOUN
abr-61	73	4	of	of	ADP
abr-61	73	5	borrowers	borrower	NOUN
abr-61	73	6	also	also	ADV
abr-61	73	7	means	mean	VERB
abr-61	73	8	a	a	DET
abr-61	73	9	greater	great	ADJ
abr-61	73	10	potential	potential	NOUN
abr-61	73	11	for	for	ADP
abr-61	73	12	larger	large	ADJ
abr-61	73	13	revenue	revenue	NOUN
abr-61	73	14	from	from	ADP
abr-61	73	15	interest	interest	NOUN
abr-61	73	16	earning	earning	NOUN
abr-61	73	17	,	,	PUNCT
abr-61	73	18	thus	thus	ADV
abr-61	73	19	the	the	DET
abr-61	73	20	expected	expect	VERB
abr-61	73	21	sign	sign	NOUN
abr-61	73	22	for	for	ADP
abr-61	73	23	the	the	DET
abr-61	73	24	coefficient	coefficient	NOUN
abr-61	73	25	being	be	AUX
abr-61	73	26	positive	positive	ADJ
abr-61	73	27	.	.	PUNCT
abr-61	74	1	the	the	DET
abr-61	74	2	write	write	VERB
abr-61	74	3	-	-	PUNCT
abr-61	74	4	off	off	ADP
abr-61	74	5	ratio	ratio	NOUN
abr-61	74	6	(	(	PUNCT
abr-61	74	7	x2	x2	PROPN
abr-61	74	8	)	)	PUNCT
abr-61	74	9	represents	represent	VERB
abr-61	74	10	the	the	DET
abr-61	74	11	percentage	percentage	NOUN
abr-61	74	12	of	of	ADP
abr-61	74	13	the	the	DET
abr-61	74	14	gross	gross	ADJ
abr-61	74	15	loan	loan	NOUN
abr-61	74	16	written	write	VERB
abr-61	74	17	off	off	ADP
abr-61	74	18	.	.	PUNCT
abr-61	75	1	an	an	DET
abr-61	75	2	increase	increase	NOUN
abr-61	75	3	in	in	ADP
abr-61	75	4	the	the	DET
abr-61	75	5	write	write	VERB
abr-61	75	6	-	-	PUNCT
abr-61	75	7	off	off	ADP
abr-61	75	8	ratio	ratio	NOUN
abr-61	75	9	means	mean	VERB
abr-61	75	10	a	a	DET
abr-61	75	11	greater	great	ADJ
abr-61	75	12	loss	loss	NOUN
abr-61	75	13	of	of	ADP
abr-61	75	14	outstanding	outstanding	ADJ
abr-61	75	15	loans	loan	NOUN
abr-61	75	16	relative	relative	ADJ
abr-61	75	17	to	to	ADP
abr-61	75	18	an	an	DET
abr-61	75	19	mfi	mfi	PROPN
abr-61	75	20	’s	’s	PART
abr-61	75	21	loan	loan	NOUN
abr-61	75	22	portfolio	portfolio	NOUN
abr-61	75	23	,	,	PUNCT
abr-61	75	24	forgoing	forgo	VERB
abr-61	75	25	the	the	DET
abr-61	75	26	chance	chance	NOUN
abr-61	75	27	to	to	PART
abr-61	75	28	realize	realize	VERB
abr-61	75	29	the	the	DET
abr-61	75	30	loans	loan	NOUN
abr-61	75	31	’	'	PUNCT
abr-61	75	32	revenues	revenue	NOUN
abr-61	75	33	.	.	PUNCT
abr-61	76	1	the	the	DET
abr-61	76	2	revenues	revenue	NOUN
abr-61	76	3	from	from	ADP
abr-61	76	4	interests	interest	NOUN
abr-61	76	5	on	on	ADP
abr-61	76	6	the	the	DET
abr-61	76	7	loans	loan	NOUN
abr-61	76	8	are	be	AUX
abr-61	76	9	not	not	PART
abr-61	76	10	generated	generate	VERB
abr-61	76	11	and	and	CCONJ
abr-61	76	12	therefore	therefore	ADV
abr-61	76	13	have	have	VERB
abr-61	76	14	a	a	DET
abr-61	76	15	negative	negative	ADJ
abr-61	76	16	impact	impact	NOUN
abr-61	76	17	on	on	ADP
abr-61	76	18	an	an	DET
abr-61	76	19	mfi	mfi	PROPN
abr-61	76	20	’s	’s	PART
abr-61	76	21	oss	oss	NOUN
abr-61	76	22	.	.	PUNCT
abr-61	77	1	the	the	DET
abr-61	77	2	expected	expect	VERB
abr-61	77	3	sign	sign	NOUN
abr-61	77	4	for	for	ADP
abr-61	77	5	the	the	DET
abr-61	77	6	coefficient	coefficient	NOUN
abr-61	77	7	estimate	estimate	NOUN
abr-61	77	8	is	be	AUX
abr-61	77	9	thus	thus	ADV
abr-61	77	10	negative	negative	ADJ
abr-61	77	11	.	.	PUNCT
abr-61	78	1	the	the	DET
abr-61	78	2	variable	variable	ADJ
abr-61	78	3	x3	x3	PROPN
abr-61	78	4	measures	measure	VERB
abr-61	78	5	an	an	DET
abr-61	78	6	mfi	mfi	PROPN
abr-61	78	7	’s	’s	PART
abr-61	78	8	depositorsto	depositorsto	NOUN
abr-61	78	9	-	-	PUNCT
abr-61	78	10	borrowers	borrower	NOUN
abr-61	78	11	ratio	ratio	NOUN
abr-61	78	12	.	.	PUNCT
abr-61	79	1	a	a	DET
abr-61	79	2	higher	high	ADJ
abr-61	79	3	depositors	depositor	NOUN
abr-61	79	4	-	-	PUNCT
abr-61	79	5	to	to	ADP
abr-61	79	6	-	-	PUNCT
abr-61	79	7	borrowers	borrower	NOUN
abr-61	79	8	ratio	ratio	NOUN
abr-61	79	9	has	have	VERB
abr-61	79	10	a	a	DET
abr-61	79	11	significantly	significantly	ADV
abr-61	79	12	positive	positive	ADJ
abr-61	79	13	effect	effect	NOUN
abr-61	79	14	on	on	ADP
abr-61	79	15	an	an	DET
abr-61	79	16	mfi	mfi	PROPN
abr-61	79	17	’s	’s	PART
abr-61	79	18	oss	oss	NOUN
abr-61	79	19	.	.	PUNCT
abr-61	80	1	the	the	PRON
abr-61	80	2	higher	high	ADJ
abr-61	80	3	the	the	DET
abr-61	80	4	ratio	ratio	NOUN
abr-61	80	5	,	,	PUNCT
abr-61	80	6	the	the	PRON
abr-61	80	7	greater	great	ADJ
abr-61	80	8	the	the	DET
abr-61	80	9	diversity	diversity	NOUN
abr-61	80	10	in	in	ADP
abr-61	80	11	the	the	DET
abr-61	80	12	funding	funding	NOUN
abr-61	80	13	sources	source	NOUN
abr-61	80	14	for	for	ADP
abr-61	80	15	potential	potential	ADJ
abr-61	80	16	loans	loan	NOUN
abr-61	80	17	by	by	ADP
abr-61	80	18	the	the	DET
abr-61	80	19	mfi	mfi	PROPN
abr-61	80	20	,	,	PUNCT
abr-61	80	21	improving	improve	VERB
abr-61	80	22	its	its	PRON
abr-61	80	23	oss	oss	NOUN
abr-61	80	24	.	.	PUNCT
abr-61	81	1	the	the	DET
abr-61	81	2	variable	variable	NOUN
abr-61	81	3	x4	x4	PROPN
abr-61	81	4	represents	represent	VERB
abr-61	81	5	the	the	DET
abr-61	81	6	ratio	ratio	NOUN
abr-61	81	7	of	of	ADP
abr-61	81	8	the	the	DET
abr-61	81	9	cost	cost	NOUN
abr-61	81	10	per	per	ADP
abr-61	81	11	borrower	borrower	NOUN
abr-61	81	12	as	as	ADP
abr-61	81	13	a	a	DET
abr-61	81	14	percentage	percentage	NOUN
abr-61	81	15	of	of	ADP
abr-61	81	16	the	the	DET
abr-61	81	17	gross	gross	ADJ
abr-61	81	18	national	national	ADJ
abr-61	81	19	income	income	NOUN
abr-61	81	20	(	(	PUNCT
abr-61	81	21	gni	gni	NOUN
abr-61	81	22	)	)	PUNCT
abr-61	81	23	per	per	ADP
abr-61	81	24	capita	capita	NOUN
abr-61	81	25	.	.	PUNCT
abr-61	82	1	the	the	DET
abr-61	82	2	cost	cost	NOUN
abr-61	82	3	per	per	ADP
abr-61	82	4	borrower	borrower	NOUN
abr-61	82	5	is	be	AUX
abr-61	82	6	defined	define	VERB
abr-61	82	7	as	as	ADP
abr-61	82	8	the	the	DET
abr-61	82	9	operating	operating	NOUN
abr-61	82	10	expenses	expense	NOUN
abr-61	82	11	divided	divide	VERB
abr-61	82	12	by	by	ADP
abr-61	82	13	an	an	DET
abr-61	82	14	mfi	mfi	PROPN
abr-61	82	15	’s	’s	PART
abr-61	82	16	average	average	ADJ
abr-61	82	17	number	number	NOUN
abr-61	82	18	of	of	ADP
abr-61	82	19	borrowers	borrower	NOUN
abr-61	82	20	.	.	PUNCT
abr-61	83	1	the	the	DET
abr-61	83	2	lower	low	ADJ
abr-61	83	3	cost	cost	NOUN
abr-61	83	4	per	per	ADP
abr-61	83	5	borrower	borrower	NOUN
abr-61	83	6	relative	relative	ADJ
abr-61	83	7	to	to	ADP
abr-61	83	8	the	the	DET
abr-61	83	9	country	country	NOUN
abr-61	83	10	’s	’s	PART
abr-61	83	11	per	per	ADP
abr-61	83	12	gni	gni	PROPN
abr-61	83	13	implies	imply	VERB
abr-61	83	14	that	that	SCONJ
abr-61	83	15	an	an	DET
abr-61	83	16	mfi	mfi	PROPN
abr-61	83	17	is	be	AUX
abr-61	83	18	more	more	ADV
abr-61	83	19	efficient	efficient	ADJ
abr-61	83	20	to	to	PART
abr-61	83	21	reduce	reduce	VERB
abr-61	83	22	the	the	DET
abr-61	83	23	borrowing	borrowing	NOUN
abr-61	83	24	cost	cost	NOUN
abr-61	83	25	compared	compare	VERB
abr-61	83	26	to	to	ADP
abr-61	83	27	the	the	DET
abr-61	83	28	per	per	ADP
abr-61	83	29	-	-	PUNCT
abr-61	83	30	capita	capita	NOUN
abr-61	83	31	income	income	NOUN
abr-61	83	32	of	of	ADP
abr-61	83	33	potential	potential	ADJ
abr-61	83	34	borrowers	borrower	NOUN
abr-61	83	35	.	.	PUNCT
abr-61	84	1	a	a	DET
abr-61	84	2	loser	loser	ADJ
abr-61	84	3	cost	cost	NOUN
abr-61	84	4	structure	structure	NOUN
abr-61	84	5	through	through	ADP
abr-61	84	6	the	the	DET
abr-61	84	7	economies	economy	NOUN
abr-61	84	8	of	of	ADP
abr-61	84	9	scale	scale	NOUN
abr-61	84	10	,	,	PUNCT
abr-61	84	11	for	for	ADP
abr-61	84	12	example	example	NOUN
abr-61	84	13	,	,	PUNCT
abr-61	84	14	gives	give	VERB
abr-61	84	15	the	the	DET
abr-61	84	16	mfi	mfi	PROPN
abr-61	84	17	a	a	DET
abr-61	84	18	comparative	comparative	ADJ
abr-61	84	19	advantage	advantage	NOUN
abr-61	84	20	and	and	CCONJ
abr-61	84	21	can	can	AUX
abr-61	84	22	lead	lead	VERB
abr-61	84	23	to	to	ADP
abr-61	84	24	a	a	DET
abr-61	84	25	higher	high	ADJ
abr-61	84	26	profit	profit	NOUN
abr-61	84	27	.	.	PUNCT
abr-61	85	1	therefore	therefore	ADV
abr-61	85	2	,	,	PUNCT
abr-61	85	3	mfis	mfis	VERB
abr-61	85	4	with	with	ADP
abr-61	85	5	a	a	DET
abr-61	85	6	lower	low	ADJ
abr-61	85	7	ratio	ratio	NOUN
abr-61	85	8	have	have	VERB
abr-61	85	9	a	a	DET
abr-61	85	10	higher	high	ADJ
abr-61	85	11	oss	oss	NOUN
abr-61	85	12	,	,	PUNCT
abr-61	85	13	leading	lead	VERB
abr-61	85	14	to	to	ADP
abr-61	85	15	a	a	DET
abr-61	85	16	negative	negative	ADJ
abr-61	85	17	sign	sign	NOUN
abr-61	85	18	for	for	ADP
abr-61	85	19	the	the	DET
abr-61	85	20	coefficient	coefficient	NOUN
abr-61	85	21	.	.	PUNCT
abr-61	86	1	the	the	DET
abr-61	86	2	gross	gross	ADJ
abr-61	86	3	loan	loan	NOUN
abr-61	86	4	portfolio	portfolio	NOUN
abr-61	86	5	at	at	ADP
abr-61	86	6	risk	risk	NOUN
abr-61	86	7	>	>	PUNCT
abr-61	86	8	30	30	NUM
abr-61	86	9	days	day	NOUN
abr-61	86	10	(	(	PUNCT
abr-61	86	11	x5	x5	PROPN
abr-61	86	12	)	)	PUNCT
abr-61	86	13	is	be	AUX
abr-61	86	14	the	the	DET
abr-61	86	15	value	value	NOUN
abr-61	86	16	of	of	ADP
abr-61	86	17	all	all	DET
abr-61	86	18	loans	loan	NOUN
abr-61	86	19	outstanding	outstanding	ADJ
abr-61	86	20	that	that	PRON
abr-61	86	21	have	have	VERB
abr-61	86	22	one	one	NUM
abr-61	86	23	or	or	CCONJ
abr-61	86	24	more	more	ADJ
abr-61	86	25	installments	installment	NOUN
abr-61	86	26	of	of	ADP
abr-61	86	27	principal	principal	NOUN
abr-61	86	28	past	past	ADJ
abr-61	86	29	due	due	ADJ
abr-61	86	30	longer	long	ADJ
abr-61	86	31	than	than	ADP
abr-61	86	32	30	30	NUM
abr-61	86	33	days	day	NOUN
abr-61	86	34	.	.	PUNCT
abr-61	87	1	this	this	PRON
abr-61	87	2	includes	include	VERB
abr-61	87	3	the	the	DET
abr-61	87	4	entire	entire	ADJ
abr-61	87	5	unpaid	unpaid	ADJ
abr-61	87	6	principal	principal	ADJ
abr-61	87	7	balance	balance	NOUN
abr-61	87	8	including	include	VERB
abr-61	87	9	both	both	CCONJ
abr-61	87	10	the	the	DET
abr-61	87	11	past	past	ADJ
abr-61	87	12	due	due	ADJ
abr-61	87	13	and	and	CCONJ
abr-61	87	14	future	future	ADJ
abr-61	87	15	installments	installment	NOUN
abr-61	87	16	but	but	CCONJ
abr-61	87	17	not	not	PART
abr-61	87	18	accrued	accrue	VERB
abr-61	87	19	interest	interest	NOUN
abr-61	87	20	.	.	PUNCT
abr-61	88	1	it	it	PRON
abr-61	88	2	also	also	ADV
abr-61	88	3	includes	include	VERB
abr-61	88	4	loans	loan	NOUN
abr-61	88	5	that	that	PRON
abr-61	88	6	have	have	AUX
abr-61	88	7	been	be	AUX
abr-61	88	8	restructured	restructure	VERB
abr-61	88	9	,	,	PUNCT
abr-61	88	10	rescheduled	reschedule	VERB
abr-61	88	11	,	,	PUNCT
abr-61	88	12	or	or	CCONJ
abr-61	88	13	renegotiated	renegotiate	VERB
abr-61	88	14	.	.	PUNCT
abr-61	89	1	the	the	DET
abr-61	89	2	greater	great	ADJ
abr-61	89	3	is	be	AUX
abr-61	89	4	the	the	DET
abr-61	89	5	portfolio	portfolio	NOUN
abr-61	89	6	at	at	ADP
abr-61	89	7	risk	risk	NOUN
abr-61	89	8	,	,	PUNCT
abr-61	89	9	the	the	DET
abr-61	89	10	greater	great	ADJ
abr-61	89	11	is	be	AUX
abr-61	89	12	the	the	DET
abr-61	89	13	potential	potential	NOUN
abr-61	89	14	for	for	ADP
abr-61	89	15	a	a	DET
abr-61	89	16	loss	loss	NOUN
abr-61	89	17	in	in	ADP
abr-61	89	18	revenue	revenue	NOUN
abr-61	89	19	,	,	PUNCT
abr-61	89	20	lowering	lower	VERB
abr-61	89	21	the	the	DET
abr-61	89	22	oss	oss	NOUN
abr-61	89	23	of	of	ADP
abr-61	89	24	an	an	DET
abr-61	89	25	mfi	mfi	PROPN
abr-61	89	26	.	.	PUNCT
abr-61	90	1	the	the	DET
abr-61	90	2	expected	expect	VERB
abr-61	90	3	sign	sign	NOUN
abr-61	90	4	for	for	ADP
abr-61	90	5	the	the	DET
abr-61	90	6	coefficient	coefficient	NOUN
abr-61	90	7	is	be	AUX
abr-61	90	8	negative	negative	ADJ
abr-61	90	9	.	.	PUNCT
abr-61	91	1	the	the	DET
abr-61	91	2	variable	variable	ADJ
abr-61	91	3	x6	x6	PROPN
abr-61	91	4	represents	represent	VERB
abr-61	91	5	the	the	DET
abr-61	91	6	ratio	ratio	NOUN
abr-61	91	7	of	of	ADP
abr-61	91	8	deposits	deposit	NOUN
abr-61	91	9	to	to	ADP
abr-61	91	10	gross	gross	ADJ
abr-61	91	11	loan	loan	NOUN
abr-61	91	12	portfolio	portfolio	NOUN
abr-61	91	13	of	of	ADP
abr-61	91	14	an	an	DET
abr-61	91	15	mfi	mfi	PROPN
abr-61	91	16	.	.	PUNCT
abr-61	92	1	it	it	PRON
abr-61	92	2	is	be	AUX
abr-61	92	3	hypothesized	hypothesize	VERB
abr-61	92	4	that	that	SCONJ
abr-61	92	5	a	a	DET
abr-61	92	6	higher	high	ADJ
abr-61	92	7	deposit	deposit	NOUN
abr-61	92	8	to	to	PART
abr-61	92	9	loan	loan	VERB
abr-61	92	10	portfolio	portfolio	NOUN
abr-61	92	11	ratio	ratio	NOUN
abr-61	92	12	leads	lead	VERB
abr-61	92	13	to	to	ADP
abr-61	92	14	a	a	DET
abr-61	92	15	lower	low	ADJ
abr-61	92	16	oss	oss	NOUN
abr-61	92	17	,	,	PUNCT
abr-61	92	18	because	because	SCONJ
abr-61	92	19	a	a	DET
abr-61	92	20	higher	high	ADJ
abr-61	92	21	amount	amount	NOUN
abr-61	92	22	of	of	ADP
abr-61	92	23	deposits	deposit	NOUN
abr-61	92	24	to	to	PART
abr-61	92	25	loan	loan	NOUN
abr-61	92	26	portfolio	portfolio	NOUN
abr-61	92	27	reduces	reduce	VERB
abr-61	92	28	the	the	DET
abr-61	92	29	opportunity	opportunity	NOUN
abr-61	92	30	to	to	PART
abr-61	92	31	make	make	VERB
abr-61	92	32	revenues	revenue	NOUN
abr-61	92	33	through	through	ADP
abr-61	92	34	interest	interest	NOUN
abr-61	92	35	earnings	earning	NOUN
abr-61	92	36	on	on	ADP
abr-61	92	37	loans	loan	NOUN
abr-61	92	38	,	,	PUNCT
abr-61	92	39	giving	give	VERB
abr-61	92	40	the	the	DET
abr-61	92	41	negative	negative	ADJ
abr-61	92	42	sign	sign	NOUN
abr-61	92	43	for	for	ADP
abr-61	92	44	the	the	DET
abr-61	92	45	coefficient	coefficient	NOUN
abr-61	92	46	.	.	PUNCT
abr-61	93	1	market	market	NOUN
abr-61	93	2	penetration	penetration	NOUN
abr-61	93	3	,	,	PUNCT
abr-61	93	4	the	the	DET
abr-61	93	5	variable	variable	ADJ
abr-61	93	6	x7	x7	NOUN
abr-61	93	7	,	,	PUNCT
abr-61	93	8	measures	measure	VERB
abr-61	93	9	the	the	DET
abr-61	93	10	outreach	outreach	NOUN
abr-61	93	11	of	of	ADP
abr-61	93	12	borrowers	borrower	NOUN
abr-61	93	13	relative	relative	ADJ
abr-61	93	14	to	to	ADP
abr-61	93	15	the	the	DET
abr-61	93	16	potential	potential	ADJ
abr-61	93	17	market	market	NOUN
abr-61	93	18	and	and	CCONJ
abr-61	93	19	how	how	SCONJ
abr-61	93	20	many	many	ADJ
abr-61	93	21	clients	client	NOUN
abr-61	93	22	are	be	AUX
abr-61	93	23	actually	actually	ADV
abr-61	93	24	served	serve	VERB
abr-61	93	25	compared	compare	VERB
abr-61	93	26	to	to	ADP
abr-61	93	27	an	an	DET
abr-61	93	28	mfi	mfi	PROPN
abr-61	93	29	’s	’s	PART
abr-61	93	30	potential	potential	ADJ
abr-61	93	31	market	market	NOUN
abr-61	93	32	.	.	PUNCT
abr-61	94	1	the	the	DET
abr-61	94	2	potential	potential	ADJ
abr-61	94	3	market	market	NOUN
abr-61	94	4	is	be	AUX
abr-61	94	5	the	the	DET
abr-61	94	6	number	number	NOUN
abr-61	94	7	of	of	ADP
abr-61	94	8	people	people	NOUN
abr-61	94	9	living	live	VERB
abr-61	94	10	below	below	ADP
abr-61	94	11	the	the	DET
abr-61	94	12	national	national	ADJ
abr-61	94	13	poverty	poverty	NOUN
abr-61	94	14	level	level	NOUN
abr-61	94	15	in	in	ADP
abr-61	94	16	which	which	PRON
abr-61	94	17	the	the	DET
abr-61	94	18	mfi	mfi	PROPN
abr-61	94	19	is	be	AUX
abr-61	94	20	operating	operate	VERB
abr-61	94	21	.	.	PUNCT
abr-61	95	1	the	the	DET
abr-61	95	2	great	great	ADJ
abr-61	95	3	is	be	AUX
abr-61	95	4	market	market	NOUN
abr-61	95	5	penetration	penetration	NOUN
abr-61	95	6	,	,	PUNCT
abr-61	95	7	the	the	PRON
abr-61	95	8	greater	great	ADJ
abr-61	95	9	the	the	DET
abr-61	95	10	revenue	revenue	NOUN
abr-61	95	11	,	,	PUNCT
abr-61	95	12	and	and	CCONJ
abr-61	95	13	the	the	PRON
abr-61	95	14	higher	high	ADJ
abr-61	95	15	the	the	DET
abr-61	95	16	oss	oss	NOUN
abr-61	95	17	.	.	PUNCT
abr-61	96	1	the	the	DET
abr-61	96	2	expected	expect	VERB
abr-61	96	3	sign	sign	NOUN
abr-61	96	4	for	for	ADP
abr-61	96	5	the	the	DET
abr-61	96	6	coefficient	coefficient	NOUN
abr-61	96	7	is	be	AUX
abr-61	96	8	positive	positive	ADJ
abr-61	96	9	.	.	PUNCT
abr-61	97	1	the	the	DET
abr-61	97	2	variable	variable	ADJ
abr-61	97	3	x8	x8	PROPN
abr-61	97	4	measures	measure	VERB
abr-61	97	5	growth	growth	NOUN
abr-61	97	6	in	in	ADP
abr-61	97	7	borrows	borrow	NOUN
abr-61	97	8	in	in	ADP
abr-61	97	9	percentage	percentage	NOUN
abr-61	97	10	.	.	PUNCT
abr-61	98	1	an	an	DET
abr-61	98	2	mfi	mfi	PROPN
abr-61	98	3	that	that	PRON
abr-61	98	4	has	have	VERB
abr-61	98	5	strong	strong	ADJ
abr-61	98	6	growth	growth	NOUN
abr-61	98	7	in	in	ADP
abr-61	98	8	the	the	DET
abr-61	98	9	number	number	NOUN
abr-61	98	10	of	of	ADP
abr-61	98	11	borrowers	borrower	NOUN
abr-61	98	12	is	be	AUX
abr-61	98	13	able	able	ADJ
abr-61	98	14	to	to	PART
abr-61	98	15	serve	serve	VERB
abr-61	98	16	more	more	ADJ
abr-61	98	17	clients	client	NOUN
abr-61	98	18	.	.	PUNCT
abr-61	99	1	a	a	DET
abr-61	99	2	larger	large	ADJ
abr-61	99	3	customer	customer	NOUN
abr-61	99	4	base	base	NOUN
abr-61	99	5	triggers	trigger	VERB
abr-61	99	6	a	a	DET
abr-61	99	7	positive	positive	ADJ
abr-61	99	8	economy	economy	NOUN
abr-61	99	9	-	-	PUNCT
abr-61	99	10	ofschäfer	ofschäfer	NOUN
abr-61	99	11	and	and	CCONJ
abr-61	99	12	fukasawa	fukasawa	PROPN
abr-61	99	13	advances	advance	NOUN
abr-61	99	14	in	in	ADP
abr-61	99	15	business	business	NOUN
abr-61	99	16	research	research	NOUN
abr-61	99	17	2011	2011	NUM
abr-61	99	18	,	,	PUNCT
abr-61	99	19	vol	vol	NOUN
abr-61	99	20	.	.	PROPN
abr-61	100	1	2	2	NUM
abr-61	100	2	,	,	PUNCT
abr-61	100	3	no	no	INTJ
abr-61	100	4	.	.	NOUN
abr-61	100	5	1	1	NUM
abr-61	100	6	,	,	PUNCT
abr-61	100	7	172	172	NUM
abr-61	100	8	-	-	SYM
abr-61	100	9	178	178	NUM
abr-61	100	10	175	175	NUM
abr-61	100	11	scale	scale	NOUN
abr-61	100	12	effect	effect	NOUN
abr-61	100	13	,	,	PUNCT
abr-61	100	14	leading	lead	VERB
abr-61	100	15	to	to	ADP
abr-61	100	16	lower	low	ADJ
abr-61	100	17	operating	operating	NOUN
abr-61	100	18	costs	cost	NOUN
abr-61	100	19	.	.	PUNCT
abr-61	101	1	a	a	DET
abr-61	101	2	reduction	reduction	NOUN
abr-61	101	3	in	in	ADP
abr-61	101	4	costs	cost	NOUN
abr-61	101	5	per	per	ADP
abr-61	101	6	borrower	borrower	NOUN
abr-61	101	7	helps	help	VERB
abr-61	101	8	raise	raise	VERB
abr-61	101	9	the	the	DET
abr-61	101	10	overall	overall	ADJ
abr-61	101	11	oss	oss	NOUN
abr-61	101	12	of	of	ADP
abr-61	101	13	an	an	DET
abr-61	101	14	mfi	mfi	PROPN
abr-61	101	15	,	,	PUNCT
abr-61	101	16	thus	thus	ADV
abr-61	101	17	the	the	DET
abr-61	101	18	coefficient	coefficient	NOUN
abr-61	101	19	is	be	AUX
abr-61	101	20	expected	expect	VERB
abr-61	101	21	to	to	PART
abr-61	101	22	be	be	AUX
abr-61	101	23	positive	positive	ADJ
abr-61	101	24	.	.	PUNCT
abr-61	102	1	the	the	DET
abr-61	102	2	variables	variables	PROPN
abr-61	102	3	x9	x9	PROPN
abr-61	102	4	,	,	PUNCT
abr-61	102	5	x10	x10	NOUN
abr-61	102	6	,	,	PUNCT
abr-61	102	7	x11	x11	NOUN
abr-61	102	8	,	,	PUNCT
abr-61	102	9	and	and	CCONJ
abr-61	102	10	x12	x12	NUM
abr-61	102	11	are	be	AUX
abr-61	102	12	dummy	dummy	ADJ
abr-61	102	13	variable	variable	NOUN
abr-61	102	14	for	for	ADP
abr-61	102	15	the	the	DET
abr-61	102	16	region	region	NOUN
abr-61	102	17	of	of	ADP
abr-61	102	18	the	the	DET
abr-61	102	19	examined	examine	VERB
abr-61	102	20	mfis	mfis	NOUN
abr-61	102	21	,	,	PUNCT
abr-61	102	22	representing	represent	VERB
abr-61	102	23	eca	eca	NOUN
abr-61	102	24	(	(	PUNCT
abr-61	102	25	x9	x9	PROPN
abr-61	102	26	)	)	PUNCT
abr-61	102	27	,	,	PUNCT
abr-61	102	28	lac	lac	PROPN
abr-61	102	29	(	(	PUNCT
abr-61	102	30	x10	x10	NOUN
abr-61	102	31	)	)	PUNCT
abr-61	102	32	,	,	PUNCT
abr-61	102	33	mena	mena	PROPN
abr-61	102	34	(	(	PUNCT
abr-61	102	35	x11	x11	PROPN
abr-61	102	36	)	)	PUNCT
abr-61	102	37	,	,	PUNCT
abr-61	102	38	and	and	CCONJ
abr-61	102	39	africa	africa	PROPN
abr-61	102	40	(	(	PUNCT
abr-61	102	41	x12	x12	PROPN
abr-61	102	42	)	)	PUNCT
abr-61	102	43	.	.	PUNCT
abr-61	103	1	the	the	DET
abr-61	103	2	benchmark	benchmark	NOUN
abr-61	103	3	in	in	ADP
abr-61	103	4	this	this	DET
abr-61	103	5	model	model	NOUN
abr-61	103	6	is	be	AUX
abr-61	103	7	the	the	DET
abr-61	103	8	region	region	NOUN
abr-61	103	9	of	of	ADP
abr-61	103	10	asia	asia	PROPN
abr-61	103	11	.	.	PUNCT
abr-61	104	1	it	it	PRON
abr-61	104	2	is	be	AUX
abr-61	104	3	hypothesized	hypothesize	VERB
abr-61	104	4	that	that	SCONJ
abr-61	104	5	there	there	PRON
abr-61	104	6	are	be	VERB
abr-61	104	7	regional	regional	ADJ
abr-61	104	8	differences	difference	NOUN
abr-61	104	9	in	in	ADP
abr-61	104	10	mfi	mfi	PROPN
abr-61	104	11	’s	’s	PART
abr-61	104	12	oss	oss	PROPN
abr-61	104	13	.	.	PROPN
abr-61	105	1	mfis	mfis	PROPN
abr-61	105	2	in	in	ADP
abr-61	105	3	asia	asia	PROPN
abr-61	105	4	have	have	VERB
abr-61	105	5	the	the	DET
abr-61	105	6	longest	long	ADJ
abr-61	105	7	experience	experience	NOUN
abr-61	105	8	in	in	ADP
abr-61	105	9	microfinance	microfinance	NOUN
abr-61	105	10	and	and	CCONJ
abr-61	105	11	therefore	therefore	ADV
abr-61	105	12	have	have	VERB
abr-61	105	13	an	an	DET
abr-61	105	14	advantage	advantage	NOUN
abr-61	105	15	of	of	ADP
abr-61	105	16	economies	economy	NOUN
abr-61	105	17	of	of	ADP
abr-61	105	18	scale	scale	NOUN
abr-61	105	19	and	and	CCONJ
abr-61	105	20	economies	economy	NOUN
abr-61	105	21	of	of	ADP
abr-61	105	22	scope	scope	NOUN
abr-61	105	23	.	.	PUNCT
abr-61	106	1	the	the	DET
abr-61	106	2	variable	variable	ADJ
abr-61	106	3	x13	x13	PROPN
abr-61	106	4	is	be	AUX
abr-61	106	5	the	the	DET
abr-61	106	6	dummy	dummy	ADJ
abr-61	106	7	variable	variable	NOUN
abr-61	106	8	for	for	ADP
abr-61	106	9	the	the	DET
abr-61	106	10	year	year	NOUN
abr-61	106	11	of	of	ADP
abr-61	106	12	retrieving	retrieve	VERB
abr-61	106	13	data	datum	NOUN
abr-61	106	14	.	.	PUNCT
abr-61	107	1	the	the	DET
abr-61	107	2	benchmark	benchmark	NOUN
abr-61	107	3	for	for	ADP
abr-61	107	4	this	this	DET
abr-61	107	5	model	model	NOUN
abr-61	107	6	is	be	AUX
abr-61	107	7	the	the	DET
abr-61	107	8	year	year	NOUN
abr-61	107	9	2006	2006	NUM
abr-61	107	10	.	.	PUNCT
abr-61	108	1	it	it	PRON
abr-61	108	2	is	be	AUX
abr-61	108	3	expected	expect	VERB
abr-61	108	4	that	that	SCONJ
abr-61	108	5	mfis	mfi	VERB
abr-61	108	6	in	in	ADP
abr-61	108	7	2008	2008	NUM
abr-61	108	8	would	would	AUX
abr-61	108	9	have	have	VERB
abr-61	108	10	a	a	DET
abr-61	108	11	lower	low	ADJ
abr-61	108	12	operational	operational	ADJ
abr-61	108	13	self	self	NOUN
abr-61	108	14	-	-	PUNCT
abr-61	108	15	sufficiency	sufficiency	NOUN
abr-61	108	16	than	than	ADP
abr-61	108	17	in	in	ADP
abr-61	108	18	2006	2006	NUM
abr-61	108	19	,	,	PUNCT
abr-61	108	20	because	because	SCONJ
abr-61	108	21	of	of	ADP
abr-61	108	22	the	the	DET
abr-61	108	23	worldwide	worldwide	ADJ
abr-61	108	24	recession	recession	NOUN
abr-61	108	25	beginning	begin	VERB
abr-61	108	26	in	in	ADP
abr-61	108	27	december	december	PROPN
abr-61	108	28	2007	2007	NUM
abr-61	108	29	in	in	ADP
abr-61	108	30	the	the	DET
abr-61	108	31	u.s	u.s	PROPN
abr-61	108	32	.	.	PROPN
abr-61	108	33	mfis	mfis	PROPN
abr-61	108	34	,	,	PUNCT
abr-61	108	35	as	as	ADP
abr-61	108	36	any	any	DET
abr-61	108	37	other	other	ADJ
abr-61	108	38	financial	financial	ADJ
abr-61	108	39	intermediaries	intermediary	NOUN
abr-61	108	40	,	,	PUNCT
abr-61	108	41	would	would	AUX
abr-61	108	42	have	have	AUX
abr-61	108	43	suffered	suffer	VERB
abr-61	108	44	during	during	ADP
abr-61	108	45	the	the	DET
abr-61	108	46	financial	financial	ADJ
abr-61	108	47	and	and	CCONJ
abr-61	108	48	economic	economic	ADJ
abr-61	108	49	crisis	crisis	NOUN
abr-61	108	50	that	that	PRON
abr-61	108	51	reached	reach	VERB
abr-61	108	52	its	its	PRON
abr-61	108	53	peak	peak	NOUN
abr-61	108	54	in	in	ADP
abr-61	108	55	2008	2008	NUM
abr-61	108	56	.	.	PUNCT
abr-61	109	1	it	it	PRON
abr-61	109	2	is	be	AUX
abr-61	109	3	expected	expect	VERB
abr-61	109	4	that	that	SCONJ
abr-61	109	5	mfis	mfis	PROPN
abr-61	109	6	were	be	AUX
abr-61	109	7	less	less	ADV
abr-61	109	8	profitable	profitable	ADJ
abr-61	109	9	in	in	ADP
abr-61	109	10	2008	2008	NUM
abr-61	109	11	than	than	ADP
abr-61	109	12	in	in	ADP
abr-61	109	13	2006	2006	NUM
abr-61	109	14	.	.	PUNCT
abr-61	110	1	the	the	DET
abr-61	110	2	results	result	NOUN
abr-61	110	3	of	of	ADP
abr-61	110	4	the	the	DET
abr-61	110	5	ordinary	ordinary	ADJ
abr-61	110	6	least	least	ADJ
abr-61	110	7	squares	square	NOUN
abr-61	110	8	regression	regression	NOUN
abr-61	110	9	is	be	AUX
abr-61	110	10	shown	show	VERB
abr-61	110	11	in	in	ADP
abr-61	110	12	table	table	NOUN
abr-61	110	13	1	1	NUM
abr-61	110	14	.	.	PUNCT
abr-61	111	1	the	the	DET
abr-61	111	2	overall	overall	ADJ
abr-61	111	3	fit	fit	NOUN
abr-61	111	4	of	of	ADP
abr-61	111	5	the	the	DET
abr-61	111	6	model	model	NOUN
abr-61	111	7	is	be	AUX
abr-61	111	8	relatively	relatively	ADV
abr-61	111	9	weak	weak	ADJ
abr-61	111	10	with	with	ADP
abr-61	111	11	the	the	DET
abr-61	111	12	adjusted	adjusted	ADJ
abr-61	111	13	r2	r2	NOUN
abr-61	111	14	of	of	ADP
abr-61	111	15	0.025	0.025	NUM
abr-61	111	16	.	.	PUNCT
abr-61	112	1	the	the	DET
abr-61	112	2	f	f	NOUN
abr-61	112	3	-	-	PUNCT
abr-61	112	4	statistic	statistic	NOUN
abr-61	112	5	is	be	AUX
abr-61	112	6	highly	highly	ADV
abr-61	112	7	significant	significant	ADJ
abr-61	112	8	at	at	ADP
abr-61	112	9	0.0003	0.0003	NUM
abr-61	112	10	,	,	PUNCT
abr-61	112	11	implying	imply	VERB
abr-61	112	12	that	that	SCONJ
abr-61	112	13	the	the	DET
abr-61	112	14	independent	independent	ADJ
abr-61	112	15	variables	variable	NOUN
abr-61	112	16	are	be	AUX
abr-61	112	17	important	important	ADJ
abr-61	112	18	as	as	ADP
abr-61	112	19	factors	factor	NOUN
abr-61	112	20	determining	determine	VERB
abr-61	112	21	the	the	DET
abr-61	112	22	oss	oss	NOUN
abr-61	112	23	.	.	PUNCT
abr-61	113	1	among	among	ADP
abr-61	113	2	the	the	DET
abr-61	113	3	independent	independent	ADJ
abr-61	113	4	variables	variable	NOUN
abr-61	113	5	,	,	PUNCT
abr-61	113	6	the	the	DET
abr-61	113	7	number	number	NOUN
abr-61	113	8	of	of	ADP
abr-61	113	9	borrowers	borrower	NOUN
abr-61	113	10	(	(	PUNCT
abr-61	113	11	x1	x1	PROPN
abr-61	113	12	)	)	PUNCT
abr-61	113	13	,	,	PUNCT
abr-61	113	14	the	the	DET
abr-61	113	15	write	write	VERB
abr-61	113	16	-	-	PUNCT
abr-61	113	17	off	off	ADP
abr-61	113	18	ratio	ratio	NOUN
abr-61	113	19	(	(	PUNCT
abr-61	113	20	x2	x2	PROPN
abr-61	113	21	)	)	PUNCT
abr-61	113	22	,	,	PUNCT
abr-61	113	23	the	the	DET
abr-61	113	24	depositors	depositor	NOUN
abr-61	113	25	/	/	SYM
abr-61	113	26	borrowers	borrower	NOUN
abr-61	113	27	ratio	ratio	NOUN
abr-61	113	28	(	(	PUNCT
abr-61	113	29	x3	x3	PROPN
abr-61	113	30	)	)	PUNCT
abr-61	113	31	,	,	PUNCT
abr-61	113	32	the	the	DET
abr-61	113	33	gross	gross	ADJ
abr-61	113	34	loan	loan	NOUN
abr-61	113	35	portfolio	portfolio	NOUN
abr-61	113	36	at	at	ADP
abr-61	113	37	risk	risk	NOUN
abr-61	113	38	>	>	PUNCT
abr-61	113	39	30	30	NUM
abr-61	113	40	days	day	NOUN
abr-61	113	41	(	(	PUNCT
abr-61	113	42	x5	x5	NOUN
abr-61	113	43	)	)	PUNCT
abr-61	113	44	,	,	PUNCT
abr-61	113	45	and	and	CCONJ
abr-61	113	46	the	the	DET
abr-61	113	47	deposits	deposit	NOUN
abr-61	113	48	/	/	SYM
abr-61	113	49	gross	gross	ADJ
abr-61	113	50	loan	loan	NOUN
abr-61	113	51	portfolio	portfolio	NOUN
abr-61	113	52	ratio	ratio	PROPN
abr-61	113	53	(	(	PUNCT
abr-61	113	54	x6	x6	PROPN
abr-61	113	55	)	)	PUNCT
abr-61	113	56	show	show	VERB
abr-61	113	57	the	the	DET
abr-61	113	58	expected	expect	VERB
abr-61	113	59	signs	sign	NOUN
abr-61	113	60	and	and	CCONJ
abr-61	113	61	the	the	DET
abr-61	113	62	first	first	ADJ
abr-61	113	63	three	three	NUM
abr-61	113	64	variables	variable	NOUN
abr-61	113	65	are	be	AUX
abr-61	113	66	significant	significant	ADJ
abr-61	113	67	at	at	ADP
abr-61	113	68	0.05	0.05	NUM
abr-61	113	69	level	level	NOUN
abr-61	113	70	.	.	PUNCT
abr-61	114	1	table	table	NOUN
abr-61	114	2	1	1	NUM
abr-61	114	3	:	:	PUNCT
abr-61	114	4	regression	regression	NOUN
abr-61	114	5	results	result	NOUN
abr-61	114	6	regression	regression	VERB
abr-61	114	7	statistics	statistic	NOUN
abr-61	114	8	_	_	PUNCT
abr-61	115	1	_	_	PUNCT
abr-61	116	1	_	_	PUNCT
abr-61	117	1	_	_	PUNCT
abr-61	118	1	_	_	PUNCT
abr-61	119	1	_	_	PUNCT
abr-61	120	1	_	_	PUNCT
abr-61	121	1	_	_	PUNCT
abr-61	122	1	_	_	PUNCT
abr-61	123	1	_	_	PUNCT
abr-61	124	1	_	_	PUNCT
abr-61	125	1	_	_	PUNCT
abr-61	126	1	_	_	PUNCT
abr-61	127	1	_	_	PUNCT
abr-61	128	1	_	_	PUNCT
abr-61	129	1	_	_	PUNCT
abr-61	130	1	_	_	PUNCT
abr-61	131	1	_	_	PUNCT
abr-61	132	1	_	_	PUNCT
abr-61	133	1	_	_	PUNCT
abr-61	134	1	_	_	PUNCT
abr-61	135	1	_	_	PUNCT
abr-61	136	1	_	_	PUNCT
abr-61	137	1	_	_	PUNCT
abr-61	138	1	_	_	PUNCT
abr-61	139	1	_	_	PUNCT
abr-61	140	1	_	_	PUNCT
abr-61	141	1	_	_	PUNCT
abr-61	141	2	_	_	PUNCT
abr-61	142	1	multiple	multiple	ADJ
abr-61	142	2	r	r	NOUN
abr-61	142	3	0.1937	0.1937	NUM
abr-61	142	4	r	r	NOUN
abr-61	142	5	square	square	ADJ
abr-61	142	6	0.0375	0.0375	NUM
abr-61	142	7	adjusted	adjust	VERB
abr-61	142	8	r	r	NOUN
abr-61	142	9	square	square	NOUN
abr-61	142	10	0.0248	0.0248	NUM
abr-61	142	11	standard	standard	ADJ
abr-61	142	12	error	error	NOUN
abr-61	142	13	30.5958	30.5958	NUM
abr-61	142	14	observations	observation	NOUN
abr-61	142	15	1000	1000	NUM
abr-61	142	16	_	_	PUNCT
abr-61	143	1	_	_	PUNCT
abr-61	144	1	_	_	PUNCT
abr-61	145	1	_	_	PUNCT
abr-61	146	1	_	_	PUNCT
abr-61	147	1	_	_	PUNCT
abr-61	148	1	_	_	PUNCT
abr-61	149	1	_	_	PUNCT
abr-61	150	1	_	_	PUNCT
abr-61	151	1	_	_	PUNCT
abr-61	152	1	_	_	PUNCT
abr-61	153	1	_	_	PUNCT
abr-61	154	1	_	_	PUNCT
abr-61	155	1	_	_	PUNCT
abr-61	156	1	_	_	PUNCT
abr-61	157	1	_	_	PUNCT
abr-61	158	1	_	_	PUNCT
abr-61	159	1	_	_	PUNCT
abr-61	160	1	_	_	PUNCT
abr-61	161	1	_	_	PUNCT
abr-61	162	1	_	_	PUNCT
abr-61	163	1	_	_	PUNCT
abr-61	164	1	_	_	PUNCT
abr-61	165	1	_	_	PUNCT
abr-61	166	1	_	_	PUNCT
abr-61	167	1	_	_	PUNCT
abr-61	168	1	_	_	PUNCT
abr-61	169	1	_	_	PUNCT
abr-61	169	2	_	_	PUNCT
abr-61	170	1	anova	anova	PROPN
abr-61	170	2	_	_	PUNCT
abr-61	171	1	_	_	PUNCT
abr-61	172	1	_	_	PUNCT
abr-61	173	1	_	_	PUNCT
abr-61	174	1	_	_	PUNCT
abr-61	175	1	_	_	PUNCT
abr-61	176	1	_	_	PUNCT
abr-61	177	1	_	_	PUNCT
abr-61	178	1	_	_	PUNCT
abr-61	179	1	_	_	PUNCT
abr-61	180	1	_	_	PUNCT
abr-61	181	1	_	_	PUNCT
abr-61	182	1	_	_	PUNCT
abr-61	183	1	_	_	PUNCT
abr-61	184	1	_	_	PUNCT
abr-61	185	1	_	_	PUNCT
abr-61	186	1	_	_	PUNCT
abr-61	187	1	_	_	PUNCT
abr-61	188	1	_	_	PUNCT
abr-61	189	1	_	_	PUNCT
abr-61	190	1	_	_	PUNCT
abr-61	191	1	_	_	PUNCT
abr-61	192	1	_	_	PUNCT
abr-61	193	1	_	_	PUNCT
abr-61	194	1	_	_	PUNCT
abr-61	195	1	_	_	PUNCT
abr-61	196	1	_	_	PUNCT
abr-61	197	1	_	_	PUNCT
abr-61	198	1	_	_	PUNCT
abr-61	199	1	_	_	PUNCT
abr-61	200	1	_	_	PUNCT
abr-61	201	1	_	_	PUNCT
abr-61	202	1	_	_	PUNCT
abr-61	203	1	_	_	PUNCT
abr-61	204	1	_	_	PUNCT
abr-61	205	1	_	_	PUNCT
abr-61	206	1	_	_	PUNCT
abr-61	207	1	_	_	PUNCT
abr-61	208	1	_	_	PUNCT
abr-61	209	1	_	_	PUNCT
abr-61	210	1	_	_	PUNCT
abr-61	211	1	_	_	PUNCT
abr-61	212	1	_	_	PUNCT
abr-61	213	1	_	_	PUNCT
abr-61	214	1	_	_	PUNCT
abr-61	215	1	_	_	PUNCT
abr-61	216	1	_	_	PUNCT
abr-61	217	1	_	_	PUNCT
abr-61	218	1	_	_	PUNCT
abr-61	219	1	_	_	PUNCT
abr-61	220	1	_	_	PUNCT
abr-61	221	1	_	_	PUNCT
abr-61	222	1	_	_	PUNCT
abr-61	223	1	_	_	PUNCT
abr-61	224	1	_	_	PUNCT
abr-61	225	1	_	_	PUNCT
abr-61	226	1	_	_	PUNCT
abr-61	227	1	_	_	PUNCT
abr-61	228	1	_	_	PUNCT
abr-61	229	1	_	_	PUNCT
abr-61	230	1	_	_	PUNCT
abr-61	231	1	_	_	PUNCT
abr-61	232	1	_	_	PUNCT
abr-61	233	1	_	_	PUNCT
abr-61	234	1	_	_	PUNCT
abr-61	235	1	_	_	PUNCT
abr-61	236	1	_	_	PUNCT
abr-61	237	1	_	_	PUNCT
abr-61	238	1	_	_	PUNCT
abr-61	239	1	_	_	PUNCT
abr-61	240	1	_	_	PUNCT
abr-61	241	1	_	_	PUNCT
abr-61	242	1	_	_	PUNCT
abr-61	243	1	_	_	PUNCT
abr-61	244	1	_	_	PUNCT
abr-61	245	1	_	_	PUNCT
abr-61	246	1	_	_	PUNCT
abr-61	247	1	_	_	PUNCT
abr-61	248	1	_	_	PUNCT
abr-61	249	1	_	_	PUNCT
abr-61	250	1	_	_	PUNCT
abr-61	251	1	_	_	PUNCT
abr-61	252	1	_	_	PUNCT
abr-61	253	1	_	_	PUNCT
abr-61	254	1	_	_	PUNCT
abr-61	255	1	_	_	PUNCT
abr-61	255	2	_	_	PUNCT
abr-61	256	1	df	df	PROPN
abr-61	256	2	ss	ss	PROPN
abr-61	256	3	ms	ms	PROPN
abr-61	256	4	f	f	PROPN
abr-61	256	5	significance	significance	NOUN
abr-61	256	6	f	f	PROPN
abr-61	256	7	regression	regression	VERB
abr-61	256	8	13	13	NUM
abr-61	256	9	35988.1738	35988.1738	NUM
abr-61	256	10	2768.3211	2768.3211	NUM
abr-61	256	11	2.9573	2.9573	NUM
abr-61	256	12	0.0003	0.0003	NUM
abr-61	256	13	residual	residual	ADJ
abr-61	256	14	986	986	NUM
abr-61	256	15	923000.2012	923000.2012	NUM
abr-61	256	16	936.1057	936.1057	NUM
abr-61	256	17	total	total	NOUN
abr-61	256	18	999	999	NUM
abr-61	256	19	958988.3750	958988.3750	NUM
abr-61	256	20	_	_	PUNCT
abr-61	257	1	_	_	PUNCT
abr-61	258	1	_	_	PUNCT
abr-61	259	1	_	_	PUNCT
abr-61	260	1	_	_	PUNCT
abr-61	261	1	_	_	PUNCT
abr-61	262	1	_	_	PUNCT
abr-61	263	1	_	_	PUNCT
abr-61	264	1	_	_	PUNCT
abr-61	265	1	_	_	PUNCT
abr-61	266	1	_	_	PUNCT
abr-61	267	1	_	_	PUNCT
abr-61	268	1	_	_	PUNCT
abr-61	269	1	_	_	PUNCT
abr-61	270	1	_	_	PUNCT
abr-61	271	1	_	_	PUNCT
abr-61	272	1	_	_	PUNCT
abr-61	273	1	_	_	PUNCT
abr-61	274	1	_	_	PUNCT
abr-61	275	1	_	_	PUNCT
abr-61	276	1	_	_	PUNCT
abr-61	277	1	_	_	PUNCT
abr-61	278	1	_	_	PUNCT
abr-61	279	1	_	_	PUNCT
abr-61	280	1	_	_	PUNCT
abr-61	281	1	_	_	PUNCT
abr-61	282	1	_	_	PUNCT
abr-61	283	1	_	_	PUNCT
abr-61	284	1	_	_	PUNCT
abr-61	285	1	_	_	PUNCT
abr-61	286	1	_	_	PUNCT
abr-61	287	1	_	_	PUNCT
abr-61	288	1	_	_	PUNCT
abr-61	289	1	_	_	PUNCT
abr-61	290	1	_	_	PUNCT
abr-61	291	1	_	_	PUNCT
abr-61	292	1	_	_	PUNCT
abr-61	293	1	_	_	PUNCT
abr-61	294	1	_	_	PUNCT
abr-61	295	1	_	_	PUNCT
abr-61	296	1	_	_	PUNCT
abr-61	297	1	_	_	PUNCT
abr-61	298	1	_	_	PUNCT
abr-61	299	1	_	_	PUNCT
abr-61	300	1	_	_	PUNCT
abr-61	301	1	_	_	PUNCT
abr-61	302	1	_	_	PUNCT
abr-61	303	1	_	_	PUNCT
abr-61	304	1	_	_	PUNCT
abr-61	305	1	_	_	PUNCT
abr-61	306	1	_	_	PUNCT
abr-61	307	1	_	_	PUNCT
abr-61	308	1	_	_	PUNCT
abr-61	309	1	_	_	PUNCT
abr-61	310	1	_	_	PUNCT
abr-61	311	1	_	_	PUNCT
abr-61	312	1	_	_	PUNCT
abr-61	313	1	_	_	PUNCT
abr-61	314	1	_	_	PUNCT
abr-61	315	1	_	_	PUNCT
abr-61	316	1	_	_	PUNCT
abr-61	317	1	_	_	PUNCT
abr-61	318	1	_	_	PUNCT
abr-61	319	1	_	_	PUNCT
abr-61	320	1	_	_	PUNCT
abr-61	321	1	_	_	PUNCT
abr-61	322	1	_	_	PUNCT
abr-61	323	1	_	_	PUNCT
abr-61	324	1	_	_	PUNCT
abr-61	325	1	_	_	PUNCT
abr-61	326	1	_	_	PUNCT
abr-61	327	1	_	_	PUNCT
abr-61	328	1	_	_	PUNCT
abr-61	329	1	_	_	PUNCT
abr-61	330	1	_	_	PUNCT
abr-61	331	1	_	_	PUNCT
abr-61	332	1	_	_	PUNCT
abr-61	333	1	_	_	PUNCT
abr-61	334	1	_	_	PUNCT
abr-61	335	1	_	_	PUNCT
abr-61	336	1	_	_	PUNCT
abr-61	337	1	_	_	PUNCT
abr-61	338	1	_	_	PUNCT
abr-61	339	1	_	_	PUNCT
abr-61	340	1	_	_	PUNCT
abr-61	340	2	coefficient	coefficient	VERB
abr-61	340	3	standard	standard	ADJ
abr-61	340	4	error	error	NOUN
abr-61	340	5	t	t	NOUN
abr-61	340	6	-	-	PUNCT
abr-61	340	7	stat	stat	NOUN
abr-61	340	8	p	p	NOUN
abr-61	340	9	-	-	PUNCT
abr-61	340	10	value	value	NOUN
abr-61	340	11	intercept	intercept	NOUN
abr-61	340	12	124.5751	124.5751	NUM
abr-61	340	13	2.8756	2.8756	NUM
abr-61	340	14	43.3220	43.3220	NUM
abr-61	340	15	0.0000	0.0000	NUM
abr-61	340	16	number	number	NOUN
abr-61	340	17	of	of	ADP
abr-61	340	18	borrowers	borrower	NOUN
abr-61	340	19	0.0077	0.0077	PROPN
abr-61	340	20	0.0028	0.0028	NUM
abr-61	340	21	2.7465	2.7465	NUM
abr-61	340	22	0.0061	0.0061	NUM
abr-61	340	23	write	write	VERB
abr-61	340	24	-	-	PUNCT
abr-61	340	25	off	off	ADP
abr-61	340	26	ratio	ratio	NOUN
abr-61	340	27	(	(	PUNCT
abr-61	340	28	%	%	INTJ
abr-61	340	29	)	)	PUNCT
abr-61	340	30	-1.7560	-1.7560	NOUN
abr-61	340	31	0.5802	0.5802	NUM
abr-61	340	32	-3.0264	-3.0264	NOUN
abr-61	340	33	0.0025	0.0025	NUM
abr-61	340	34	depositors	depositor	NOUN
abr-61	340	35	/	/	SYM
abr-61	340	36	borrowers	borrower	NOUN
abr-61	340	37	ratio	ratio	VERB
abr-61	340	38	1.3711	1.3711	NUM
abr-61	340	39	1.1013	1.1013	NUM
abr-61	340	40	1.2450	1.2450	NUM
abr-61	340	41	0.2134	0.2134	NUM
abr-61	340	42	cost	cost	NOUN
abr-61	340	43	per	per	ADP
abr-61	340	44	borrower	borrower	NOUN
abr-61	340	45	/	/	SYM
abr-61	340	46	dnp	dnp	PROPN
abr-61	340	47	per	per	ADP
abr-61	340	48	capita	capita	X
abr-61	340	49	(	(	PUNCT
abr-61	340	50	%	%	INTJ
abr-61	340	51	)	)	PUNCT
abr-61	340	52	0.0233	0.0233	NUM
abr-61	340	53	0.0264	0.0264	NUM
abr-61	340	54	0.8799	0.8799	NUM
abr-61	340	55	0.3791	0.3791	NUM
abr-61	340	56	gross	gross	ADJ
abr-61	340	57	loan	loan	NOUN
abr-61	340	58	portfolio	portfolio	NOUN
abr-61	340	59	at	at	ADP
abr-61	340	60	risk	risk	NOUN
abr-61	340	61	>	>	PUNCT
abr-61	340	62	30	30	NUM
abr-61	340	63	days	day	NOUN
abr-61	340	64	(	(	PUNCT
abr-61	340	65	%	%	INTJ
abr-61	340	66	)	)	PUNCT
abr-61	340	67	-0.3432	-0.3432	NOUN
abr-61	341	1	0.2197	0.2197	NUM
abr-61	341	2	-1.5621	-1.5621	NOUN
abr-61	341	3	0.1186	0.1186	NUM
abr-61	341	4	deposits	deposit	NOUN
abr-61	341	5	/	/	SYM
abr-61	341	6	gross	gross	ADJ
abr-61	341	7	loan	loan	NOUN
abr-61	341	8	portfolio	portfolio	NOUN
abr-61	341	9	ratio	ratio	NOUN
abr-61	341	10	-4.1064	-4.1064	PROPN
abr-61	341	11	3.3006	3.3006	NUM
abr-61	341	12	-1.2441	-1.2441	NOUN
abr-61	341	13	0.2137	0.2137	NUM
abr-61	341	14	market	market	NOUN
abr-61	341	15	penetration	penetration	NOUN
abr-61	341	16	(	(	PUNCT
abr-61	341	17	%	%	INTJ
abr-61	341	18	)	)	PUNCT
abr-61	341	19	-0.0657	-0.0657	PROPN
abr-61	342	1	0.4898	0.4898	NUM
abr-61	342	2	-0.1341	-0.1341	VERB
abr-61	342	3	0.8934	0.8934	NUM
abr-61	342	4	growth	growth	NOUN
abr-61	342	5	in	in	ADP
abr-61	342	6	borrowers	borrower	NOUN
abr-61	342	7	(	(	PUNCT
abr-61	342	8	%	%	INTJ
abr-61	342	9	)	)	PUNCT
abr-61	342	10	-0.0020	-0.0020	NOUN
abr-61	343	1	0.0043	0.0043	NUM
abr-61	343	2	-0.4621	-0.4621	NOUN
abr-61	343	3	0.6441	0.6441	NUM
abr-61	343	4	eca	eca	NOUN
abr-61	343	5	10.4915	10.4915	NUM
abr-61	343	6	4.0147	4.0147	NUM
abr-61	343	7	2.6133	2.6133	NUM
abr-61	343	8	0.0091	0.0091	NUM
abr-61	343	9	lac	lac	X
abr-61	343	10	3.6935	3.6935	NUM
abr-61	343	11	3.5605	3.5605	NUM
abr-61	343	12	1.0373	1.0373	NUM
abr-61	343	13	0.2998	0.2998	NUM
abr-61	343	14	mena	mena	PROPN
abr-61	343	15	17.0084	17.0084	NUM
abr-61	343	16	6.4757	6.4757	NUM
abr-61	343	17	2.6265	2.6265	NUM
abr-61	343	18	0.0088	0.0088	NUM
abr-61	343	19	africa	africa	PROPN
abr-61	343	20	5.2535	5.2535	NUM
abr-61	343	21	4.7935	4.7935	NUM
abr-61	343	22	1.0960	1.0960	NUM
abr-61	343	23	0.2734	0.2734	NUM
abr-61	343	24	year	year	NOUN
abr-61	343	25	of	of	ADP
abr-61	343	26	retrieving	retrieve	VERB
abr-61	343	27	data	datum	NOUN
abr-61	343	28	3.3442	3.3442	NUM
abr-61	343	29	2.9859	2.9859	NUM
abr-61	343	30	1.1200	1.1200	NUM
abr-61	343	31	0.2630	0.2630	PROPN
abr-61	343	32	schäfer	schäfer	NOUN
abr-61	343	33	and	and	CCONJ
abr-61	343	34	fukasawa	fukasawa	NOUN
abr-61	343	35	advances	advance	NOUN
abr-61	343	36	in	in	ADP
abr-61	343	37	business	business	NOUN
abr-61	343	38	research	research	NOUN
abr-61	343	39	2011	2011	NUM
abr-61	343	40	,	,	PUNCT
abr-61	343	41	vol	vol	NOUN
abr-61	343	42	.	.	PROPN
abr-61	343	43	2	2	NUM
abr-61	343	44	,	,	PUNCT
abr-61	343	45	no	no	INTJ
abr-61	343	46	.	.	NOUN
abr-61	343	47	1	1	NUM
abr-61	343	48	,	,	PUNCT
abr-61	343	49	172	172	NUM
abr-61	343	50	-	-	SYM
abr-61	343	51	178	178	NUM
abr-61	343	52	176	176	NUM
abr-61	343	53	first	first	ADV
abr-61	343	54	,	,	PUNCT
abr-61	343	55	the	the	DET
abr-61	343	56	outreach	outreach	NOUN
abr-61	343	57	measured	measure	VERB
abr-61	343	58	in	in	ADP
abr-61	343	59	the	the	DET
abr-61	343	60	number	number	NOUN
abr-61	343	61	of	of	ADP
abr-61	343	62	borrowers	borrower	NOUN
abr-61	343	63	of	of	ADP
abr-61	343	64	an	an	DET
abr-61	343	65	mfi	mfi	PROPN
abr-61	343	66	was	be	AUX
abr-61	343	67	found	find	VERB
abr-61	343	68	to	to	PART
abr-61	343	69	be	be	AUX
abr-61	343	70	important	important	ADJ
abr-61	343	71	factor	factor	NOUN
abr-61	343	72	determining	determine	VERB
abr-61	343	73	the	the	DET
abr-61	343	74	sustainability	sustainability	NOUN
abr-61	343	75	of	of	ADP
abr-61	343	76	an	an	DET
abr-61	343	77	mfi	mfi	PROPN
abr-61	343	78	.	.	PROPN
abr-61	344	1	as	as	SCONJ
abr-61	344	2	other	other	ADJ
abr-61	344	3	research	research	NOUN
abr-61	344	4	had	have	AUX
abr-61	344	5	already	already	ADV
abr-61	344	6	found	find	VERB
abr-61	344	7	in	in	ADP
abr-61	344	8	the	the	DET
abr-61	344	9	past	past	NOUN
abr-61	344	10	and	and	CCONJ
abr-61	344	11	was	be	AUX
abr-61	344	12	hypothesized	hypothesize	VERB
abr-61	344	13	in	in	ADP
abr-61	344	14	this	this	DET
abr-61	344	15	model	model	NOUN
abr-61	344	16	,	,	PUNCT
abr-61	344	17	an	an	DET
abr-61	344	18	mfi	mfi	PROPN
abr-61	344	19	that	that	PRON
abr-61	344	20	is	be	AUX
abr-61	344	21	able	able	ADJ
abr-61	344	22	to	to	PART
abr-61	344	23	expand	expand	VERB
abr-61	344	24	its	its	PRON
abr-61	344	25	outreach	outreach	NOUN
abr-61	344	26	and	and	CCONJ
abr-61	344	27	serve	serve	VERB
abr-61	344	28	more	more	ADJ
abr-61	344	29	customers	customer	NOUN
abr-61	344	30	with	with	ADP
abr-61	344	31	micro	micro	ADJ
abr-61	344	32	finance	finance	NOUN
abr-61	344	33	intermediation	intermediation	NOUN
abr-61	344	34	has	have	VERB
abr-61	344	35	a	a	DET
abr-61	344	36	higher	high	ADJ
abr-61	344	37	financial	financial	ADJ
abr-61	344	38	stability	stability	NOUN
abr-61	344	39	and	and	CCONJ
abr-61	344	40	oss	oss	NOUN
abr-61	344	41	.	.	PUNCT
abr-61	345	1	it	it	PRON
abr-61	345	2	can	can	AUX
abr-61	345	3	make	make	VERB
abr-61	345	4	use	use	NOUN
abr-61	345	5	of	of	ADP
abr-61	345	6	both	both	DET
abr-61	345	7	economies	economy	NOUN
abr-61	345	8	of	of	ADP
abr-61	345	9	scale	scale	NOUN
abr-61	345	10	and	and	CCONJ
abr-61	345	11	economies	economy	NOUN
abr-61	345	12	of	of	ADP
abr-61	345	13	scope	scope	NOUN
abr-61	345	14	by	by	ADP
abr-61	345	15	serving	serve	VERB
abr-61	345	16	a	a	DET
abr-61	345	17	greater	great	ADJ
abr-61	345	18	number	number	NOUN
abr-61	345	19	of	of	ADP
abr-61	345	20	borrowers	borrower	NOUN
abr-61	345	21	.	.	PUNCT
abr-61	346	1	the	the	DET
abr-61	346	2	write	write	VERB
abr-61	346	3	-	-	PUNCT
abr-61	346	4	off	off	ADP
abr-61	346	5	ratio	ratio	NOUN
abr-61	346	6	that	that	PRON
abr-61	346	7	represents	represent	VERB
abr-61	346	8	uncollectable	uncollectable	ADJ
abr-61	346	9	loans	loan	NOUN
abr-61	346	10	relative	relative	ADJ
abr-61	346	11	to	to	ADP
abr-61	346	12	an	an	DET
abr-61	346	13	mfi	mfi	PROPN
abr-61	346	14	’s	’s	PART
abr-61	346	15	gross	gross	ADJ
abr-61	346	16	loan	loan	NOUN
abr-61	346	17	portfolio	portfolio	NOUN
abr-61	346	18	was	be	AUX
abr-61	346	19	also	also	ADV
abr-61	346	20	found	find	VERB
abr-61	346	21	significant	significant	ADJ
abr-61	346	22	in	in	ADP
abr-61	346	23	the	the	DET
abr-61	346	24	model	model	NOUN
abr-61	346	25	.	.	PUNCT
abr-61	347	1	as	as	SCONJ
abr-61	347	2	it	it	PRON
abr-61	347	3	reduces	reduce	VERB
abr-61	347	4	the	the	DET
abr-61	347	5	gross	gross	ADJ
abr-61	347	6	loan	loan	NOUN
abr-61	347	7	portfolio	portfolio	NOUN
abr-61	347	8	,	,	PUNCT
abr-61	347	9	it	it	PRON
abr-61	347	10	reduces	reduce	VERB
abr-61	347	11	the	the	DET
abr-61	347	12	ability	ability	NOUN
abr-61	347	13	to	to	PART
abr-61	347	14	earn	earn	VERB
abr-61	347	15	interest	interest	NOUN
abr-61	347	16	on	on	ADP
abr-61	347	17	the	the	DET
abr-61	347	18	loan	loan	NOUN
abr-61	347	19	and	and	CCONJ
abr-61	347	20	reduces	reduce	VERB
abr-61	347	21	an	an	DET
abr-61	347	22	mfi	mfi	PROPN
abr-61	347	23	’s	’s	PART
abr-61	347	24	revenue	revenue	NOUN
abr-61	347	25	.	.	PUNCT
abr-61	348	1	in	in	ADP
abr-61	348	2	turn	turn	NOUN
abr-61	348	3	,	,	PUNCT
abr-61	348	4	less	less	ADJ
abr-61	348	5	revenue	revenue	NOUN
abr-61	348	6	,	,	PUNCT
abr-61	348	7	ceteris	ceteris	NOUN
abr-61	348	8	paribus	paribus	NOUN
abr-61	348	9	,	,	PUNCT
abr-61	348	10	eventually	eventually	ADV
abr-61	348	11	reduces	reduce	VERB
abr-61	348	12	an	an	DET
abr-61	348	13	mfi	mfi	PROPN
abr-61	348	14	’s	’s	PART
abr-61	348	15	oss	oss	NOUN
abr-61	348	16	.	.	PUNCT
abr-61	349	1	surprisingly	surprisingly	ADV
abr-61	349	2	,	,	PUNCT
abr-61	349	3	neither	neither	CCONJ
abr-61	349	4	the	the	DET
abr-61	349	5	balance	balance	NOUN
abr-61	349	6	between	between	ADP
abr-61	349	7	an	an	DET
abr-61	349	8	mfi	mfi	PROPN
abr-61	349	9	’s	’s	PART
abr-61	349	10	deposit	deposit	NOUN
abr-61	349	11	and	and	CCONJ
abr-61	349	12	lending	lending	NOUN
abr-61	349	13	mobilization	mobilization	NOUN
abr-61	349	14	(	(	PUNCT
abr-61	349	15	depositors	depositor	NOUN
abr-61	349	16	/	/	SYM
abr-61	349	17	borrowers	borrower	NOUN
abr-61	349	18	ratio	ratio	NOUN
abr-61	349	19	)	)	PUNCT
abr-61	349	20	nor	nor	CCONJ
abr-61	349	21	the	the	DET
abr-61	349	22	same	same	ADJ
abr-61	349	23	ratio	ratio	NOUN
abr-61	349	24	in	in	ADP
abr-61	349	25	terms	term	NOUN
abr-61	349	26	of	of	ADP
abr-61	349	27	assets	asset	NOUN
abr-61	349	28	(	(	PUNCT
abr-61	349	29	deposits	deposit	NOUN
abr-61	349	30	/	/	SYM
abr-61	349	31	gross	gross	ADJ
abr-61	349	32	loan	loan	NOUN
abr-61	349	33	portfolio	portfolio	NOUN
abr-61	349	34	)	)	PUNCT
abr-61	349	35	was	be	AUX
abr-61	349	36	found	find	VERB
abr-61	349	37	to	to	PART
abr-61	349	38	be	be	AUX
abr-61	349	39	significant	significant	ADJ
abr-61	349	40	to	to	PART
abr-61	349	41	explain	explain	VERB
abr-61	349	42	an	an	DET
abr-61	349	43	mfi	mfi	PROPN
abr-61	349	44	’s	’s	PART
abr-61	349	45	oss	oss	NOUN
abr-61	349	46	.	.	PUNCT
abr-61	350	1	as	as	SCONJ
abr-61	350	2	expected	expect	VERB
abr-61	350	3	,	,	PUNCT
abr-61	350	4	there	there	PRON
abr-61	350	5	are	be	VERB
abr-61	350	6	regional	regional	ADJ
abr-61	350	7	differences	difference	NOUN
abr-61	350	8	in	in	ADP
abr-61	350	9	the	the	DET
abr-61	350	10	oss	oss	NOUN
abr-61	350	11	.	.	PUNCT
abr-61	351	1	the	the	DET
abr-61	351	2	oss	oss	NOUN
abr-61	351	3	of	of	ADP
abr-61	351	4	mfis	mfis	NOUN
abr-61	351	5	in	in	ADP
abr-61	351	6	the	the	DET
abr-61	351	7	eca	eca	PROPN
abr-61	351	8	and	and	CCONJ
abr-61	351	9	mena	mena	PROPN
abr-61	351	10	regions	region	NOUN
abr-61	351	11	were	be	AUX
abr-61	351	12	found	find	VERB
abr-61	351	13	to	to	PART
abr-61	351	14	be	be	AUX
abr-61	351	15	significantly	significantly	ADV
abr-61	351	16	higher	high	ADJ
abr-61	351	17	than	than	ADP
abr-61	351	18	in	in	ADP
abr-61	351	19	the	the	DET
abr-61	351	20	benchmark	benchmark	ADJ
abr-61	351	21	asian	asian	ADJ
abr-61	351	22	region	region	NOUN
abr-61	351	23	.	.	PUNCT
abr-61	352	1	the	the	DET
abr-61	352	2	most	most	ADV
abr-61	352	3	surprising	surprising	ADJ
abr-61	352	4	discovery	discovery	NOUN
abr-61	352	5	was	be	AUX
abr-61	352	6	that	that	SCONJ
abr-61	352	7	there	there	PRON
abr-61	352	8	was	be	VERB
abr-61	352	9	no	no	DET
abr-61	352	10	significant	significant	ADJ
abr-61	352	11	difference	difference	NOUN
abr-61	352	12	in	in	ADP
abr-61	352	13	the	the	DET
abr-61	352	14	oss	oss	NOUN
abr-61	352	15	from	from	ADP
abr-61	352	16	mfis	mfis	PROPN
abr-61	352	17	reporting	reporting	NOUN
abr-61	352	18	in	in	ADP
abr-61	352	19	2006	2006	NUM
abr-61	352	20	,	,	PUNCT
abr-61	352	21	before	before	ADP
abr-61	352	22	the	the	DET
abr-61	352	23	worldwide	worldwide	ADJ
abr-61	352	24	financial	financial	ADJ
abr-61	352	25	crisis	crisis	NOUN
abr-61	352	26	,	,	PUNCT
abr-61	352	27	and	and	CCONJ
abr-61	352	28	those	those	PRON
abr-61	352	29	reporting	report	VERB
abr-61	352	30	in	in	ADP
abr-61	352	31	2008	2008	NUM
abr-61	352	32	.	.	PUNCT
abr-61	353	1	it	it	PRON
abr-61	353	2	was	be	AUX
abr-61	353	3	expected	expect	VERB
abr-61	353	4	that	that	SCONJ
abr-61	353	5	the	the	DET
abr-61	353	6	microfinance	microfinance	NOUN
abr-61	353	7	sector	sector	NOUN
abr-61	353	8	was	be	AUX
abr-61	353	9	impacted	impact	VERB
abr-61	353	10	by	by	ADP
abr-61	353	11	the	the	DET
abr-61	353	12	crisis	crisis	NOUN
abr-61	353	13	as	as	SCONJ
abr-61	353	14	was	be	AUX
abr-61	353	15	the	the	DET
abr-61	353	16	rest	rest	NOUN
abr-61	353	17	of	of	ADP
abr-61	353	18	the	the	DET
abr-61	353	19	global	global	ADJ
abr-61	353	20	finances	finance	NOUN
abr-61	353	21	.	.	PUNCT
abr-61	354	1	the	the	DET
abr-61	354	2	coefficient	coefficient	ADJ
abr-61	354	3	estimate	estimate	NOUN
abr-61	354	4	for	for	ADP
abr-61	354	5	the	the	DET
abr-61	354	6	year	year	NOUN
abr-61	354	7	x13	x13	PROPN
abr-61	354	8	,	,	PUNCT
abr-61	354	9	although	although	SCONJ
abr-61	354	10	insignificant	insignificant	ADJ
abr-61	354	11	,	,	PUNCT
abr-61	354	12	implies	imply	VERB
abr-61	354	13	that	that	SCONJ
abr-61	354	14	the	the	DET
abr-61	354	15	oss	oss	NOUN
abr-61	354	16	for	for	ADP
abr-61	354	17	mfis	mfis	PROPN
abr-61	354	18	was	be	AUX
abr-61	354	19	higher	high	ADJ
abr-61	354	20	in	in	ADP
abr-61	354	21	2008	2008	NUM
abr-61	354	22	than	than	ADP
abr-61	354	23	in	in	ADP
abr-61	354	24	2006	2006	NUM
abr-61	354	25	,	,	PUNCT
abr-61	354	26	despite	despite	SCONJ
abr-61	354	27	the	the	DET
abr-61	354	28	fact	fact	NOUN
abr-61	354	29	that	that	SCONJ
abr-61	354	30	the	the	DET
abr-61	354	31	industrialized	industrialize	VERB
abr-61	354	32	economies	economy	NOUN
abr-61	354	33	entered	enter	VERB
abr-61	354	34	recession	recession	NOUN
abr-61	354	35	beginning	begin	VERB
abr-61	354	36	december	december	PROPN
abr-61	354	37	2007	2007	NUM
abr-61	354	38	.	.	PUNCT
abr-61	355	1	in	in	ADP
abr-61	355	2	addition	addition	NOUN
abr-61	355	3	,	,	PUNCT
abr-61	355	4	the	the	DET
abr-61	355	5	market	market	NOUN
abr-61	355	6	penetration	penetration	NOUN
abr-61	355	7	was	be	AUX
abr-61	355	8	not	not	PART
abr-61	355	9	a	a	DET
abr-61	355	10	significant	significant	ADJ
abr-61	355	11	factor	factor	NOUN
abr-61	355	12	.	.	PUNCT
abr-61	356	1	it	it	PRON
abr-61	356	2	is	be	AUX
abr-61	356	3	thus	thus	ADV
abr-61	356	4	concluded	conclude	VERB
abr-61	356	5	that	that	SCONJ
abr-61	356	6	market	market	NOUN
abr-61	356	7	power	power	NOUN
abr-61	356	8	did	do	AUX
abr-61	356	9	not	not	PART
abr-61	356	10	have	have	VERB
abr-61	356	11	a	a	DET
abr-61	356	12	significant	significant	ADJ
abr-61	356	13	influence	influence	NOUN
abr-61	356	14	on	on	ADP
abr-61	356	15	a	a	DET
abr-61	356	16	mfi	mfi	PROPN
abr-61	356	17	’s	’s	PART
abr-61	356	18	oss	oss	NOUN
abr-61	356	19	in	in	ADP
abr-61	356	20	the	the	DET
abr-61	356	21	model	model	NOUN
abr-61	356	22	.	.	PUNCT
abr-61	357	1	conclusions	conclusion	NOUN
abr-61	357	2	this	this	DET
abr-61	357	3	paper	paper	NOUN
abr-61	357	4	examined	examine	VERB
abr-61	357	5	the	the	DET
abr-61	357	6	factors	factor	NOUN
abr-61	357	7	best	well	ADV
abr-61	357	8	describing	describe	VERB
abr-61	357	9	an	an	DET
abr-61	357	10	mfi	mfi	PROPN
abr-61	357	11	’s	’s	PART
abr-61	357	12	oss	oss	NOUN
abr-61	357	13	.	.	PUNCT
abr-61	358	1	the	the	DET
abr-61	358	2	examination	examination	NOUN
abr-61	358	3	of	of	ADP
abr-61	358	4	those	those	DET
abr-61	358	5	factors	factor	NOUN
abr-61	358	6	is	be	AUX
abr-61	358	7	important	important	ADJ
abr-61	358	8	to	to	PART
abr-61	358	9	help	help	VERB
abr-61	358	10	understand	understand	VERB
abr-61	358	11	the	the	DET
abr-61	358	12	sustainability	sustainability	NOUN
abr-61	358	13	,	,	PUNCT
abr-61	358	14	and	and	CCONJ
abr-61	358	15	the	the	DET
abr-61	358	16	survival	survival	NOUN
abr-61	358	17	,	,	PUNCT
abr-61	358	18	of	of	ADP
abr-61	358	19	mfis	mfis	NOUN
abr-61	358	20	that	that	PRON
abr-61	358	21	serve	serve	VERB
abr-61	358	22	a	a	DET
abr-61	358	23	vital	vital	ADJ
abr-61	358	24	role	role	NOUN
abr-61	358	25	in	in	ADP
abr-61	358	26	economic	economic	ADJ
abr-61	358	27	development	development	NOUN
abr-61	358	28	of	of	ADP
abr-61	358	29	many	many	ADJ
abr-61	358	30	less	less	ADV
abr-61	358	31	-	-	PUNCT
abr-61	358	32	developed	develop	VERB
abr-61	358	33	countries	country	NOUN
abr-61	358	34	.	.	PUNCT
abr-61	359	1	the	the	DET
abr-61	359	2	number	number	NOUN
abr-61	359	3	of	of	ADP
abr-61	359	4	borrowers	borrower	NOUN
abr-61	359	5	,	,	PUNCT
abr-61	359	6	the	the	DET
abr-61	359	7	write	write	VERB
abr-61	359	8	-	-	PUNCT
abr-61	359	9	off	off	ADP
abr-61	359	10	ratio	ratio	NOUN
abr-61	359	11	,	,	PUNCT
abr-61	359	12	and	and	CCONJ
abr-61	359	13	the	the	DET
abr-61	359	14	depositors	depositor	NOUN
abr-61	359	15	/	/	SYM
abr-61	359	16	borrowers	borrower	NOUN
abr-61	359	17	ratio	ratio	NOUN
abr-61	359	18	were	be	AUX
abr-61	359	19	found	find	VERB
abr-61	359	20	to	to	PART
abr-61	359	21	be	be	AUX
abr-61	359	22	important	important	ADJ
abr-61	359	23	factors	factor	NOUN
abr-61	359	24	determining	determine	VERB
abr-61	359	25	the	the	DET
abr-61	359	26	sustainability	sustainability	NOUN
abr-61	359	27	of	of	ADP
abr-61	359	28	an	an	DET
abr-61	359	29	mfi	mfi	PROPN
abr-61	359	30	.	.	PUNCT
abr-61	360	1	the	the	DET
abr-61	360	2	mfis	mfis	NOUN
abr-61	360	3	in	in	ADP
abr-61	360	4	the	the	DET
abr-61	360	5	eastern	eastern	PROPN
abr-61	360	6	europe	europe	PROPN
abr-61	360	7	/	/	SYM
abr-61	360	8	central	central	PROPN
abr-61	360	9	asia	asia	PROPN
abr-61	360	10	exhibited	exhibit	VERB
abr-61	360	11	the	the	DET
abr-61	360	12	better	well	ADJ
abr-61	360	13	operational	operational	ADJ
abr-61	360	14	self	self	NOUN
abr-61	360	15	-	-	PUNCT
abr-61	360	16	sufficiency	sufficiency	NOUN
abr-61	360	17	than	than	ADP
abr-61	360	18	those	those	PRON
abr-61	360	19	in	in	ADP
abr-61	360	20	the	the	DET
abr-61	360	21	benchmark	benchmark	NOUN
abr-61	360	22	region	region	NOUN
abr-61	360	23	,	,	PUNCT
abr-61	360	24	asia	asia	PROPN
abr-61	360	25	.	.	PUNCT
abr-61	361	1	there	there	PRON
abr-61	361	2	was	be	VERB
abr-61	361	3	no	no	DET
abr-61	361	4	evidence	evidence	NOUN
abr-61	361	5	to	to	PART
abr-61	361	6	support	support	VERB
abr-61	361	7	that	that	DET
abr-61	361	8	significant	significant	ADJ
abr-61	361	9	deterioration	deterioration	NOUN
abr-61	361	10	in	in	ADP
abr-61	361	11	the	the	DET
abr-61	361	12	sustainability	sustainability	NOUN
abr-61	361	13	of	of	ADP
abr-61	361	14	mfis	mfis	PROPN
abr-61	361	15	occurred	occur	VERB
abr-61	361	16	due	due	ADP
abr-61	361	17	to	to	ADP
abr-61	361	18	the	the	DET
abr-61	361	19	20072009	20072009	NUM
abr-61	361	20	recession	recession	NOUN
abr-61	361	21	.	.	PUNCT
abr-61	362	1	in	in	ADP
abr-61	362	2	the	the	DET
abr-61	362	3	future	future	NOUN
abr-61	362	4	,	,	PUNCT
abr-61	362	5	the	the	DET
abr-61	362	6	model	model	NOUN
abr-61	362	7	can	can	AUX
abr-61	362	8	be	be	AUX
abr-61	362	9	modified	modify	VERB
abr-61	362	10	to	to	PART
abr-61	362	11	attain	attain	VERB
abr-61	362	12	a	a	DET
abr-61	362	13	more	more	ADV
abr-61	362	14	comprehensive	comprehensive	ADJ
abr-61	362	15	picture	picture	NOUN
abr-61	362	16	of	of	ADP
abr-61	362	17	an	an	DET
abr-61	362	18	mfi	mfi	PROPN
abr-61	362	19	’s	’s	PART
abr-61	362	20	overall	overall	ADJ
abr-61	362	21	performance	performance	NOUN
abr-61	362	22	.	.	PUNCT
abr-61	363	1	additional	additional	ADJ
abr-61	363	2	variables	variable	NOUN
abr-61	363	3	such	such	ADJ
abr-61	363	4	as	as	ADP
abr-61	363	5	the	the	DET
abr-61	363	6	lending	lending	NOUN
abr-61	363	7	mechanism	mechanism	NOUN
abr-61	363	8	(	(	PUNCT
abr-61	363	9	group	group	NOUN
abr-61	363	10	lending	lending	NOUN
abr-61	363	11	vs.	vs.	ADP
abr-61	363	12	individual	individual	ADJ
abr-61	363	13	lending	lending	NOUN
abr-61	363	14	)	)	PUNCT
abr-61	363	15	that	that	PRON
abr-61	363	16	is	be	AUX
abr-61	363	17	used	use	VERB
abr-61	363	18	by	by	ADP
abr-61	363	19	an	an	DET
abr-61	363	20	mfi	mfi	PROPN
abr-61	363	21	or	or	CCONJ
abr-61	363	22	the	the	DET
abr-61	363	23	type	type	NOUN
abr-61	363	24	of	of	ADP
abr-61	363	25	an	an	DET
abr-61	363	26	mfi	mfi	PROPN
abr-61	363	27	(	(	PUNCT
abr-61	363	28	ngo	ngo	PROPN
abr-61	363	29	,	,	PUNCT
abr-61	363	30	bank	bank	NOUN
abr-61	363	31	etc	etc	X
abr-61	363	32	.	.	X
abr-61	363	33	)	)	PUNCT
abr-61	363	34	could	could	AUX
abr-61	363	35	be	be	AUX
abr-61	363	36	included	include	VERB
abr-61	363	37	since	since	SCONJ
abr-61	363	38	the	the	DET
abr-61	363	39	revenue	revenue	NOUN
abr-61	363	40	and	and	CCONJ
abr-61	363	41	cost	cost	NOUN
abr-61	363	42	structure	structure	NOUN
abr-61	363	43	may	may	AUX
abr-61	363	44	differ	differ	VERB
abr-61	363	45	.	.	PUNCT
abr-61	364	1	since	since	SCONJ
abr-61	364	2	the	the	DET
abr-61	364	3	model	model	NOUN
abr-61	364	4	in	in	ADP
abr-61	364	5	this	this	DET
abr-61	364	6	paper	paper	NOUN
abr-61	364	7	focuses	focus	VERB
abr-61	364	8	on	on	ADP
abr-61	364	9	the	the	DET
abr-61	364	10	determinants	determinant	NOUN
abr-61	364	11	of	of	ADP
abr-61	364	12	the	the	DET
abr-61	364	13	oss	oss	NOUN
abr-61	364	14	,	,	PUNCT
abr-61	364	15	it	it	PRON
abr-61	364	16	does	do	AUX
abr-61	364	17	not	not	PART
abr-61	364	18	reveal	reveal	VERB
abr-61	364	19	the	the	DET
abr-61	364	20	causes	cause	NOUN
abr-61	364	21	of	of	ADP
abr-61	364	22	variables	variable	NOUN
abr-61	364	23	being	be	AUX
abr-61	364	24	(	(	PUNCT
abr-61	364	25	in	in	ADP
abr-61	364	26	)	)	PUNCT
abr-61	364	27	significant	significant	ADJ
abr-61	364	28	.	.	PUNCT
abr-61	365	1	the	the	DET
abr-61	365	2	following	follow	VERB
abr-61	365	3	questions	question	NOUN
abr-61	365	4	would	would	AUX
abr-61	365	5	be	be	AUX
abr-61	365	6	interesting	interesting	ADJ
abr-61	365	7	to	to	PART
abr-61	365	8	answer	answer	VERB
abr-61	365	9	:	:	PUNCT
abr-61	365	10	why	why	SCONJ
abr-61	365	11	are	be	AUX
abr-61	365	12	there	there	PRON
abr-61	365	13	regional	regional	ADJ
abr-61	365	14	difference	difference	NOUN
abr-61	365	15	in	in	ADP
abr-61	365	16	the	the	DET
abr-61	365	17	oss	oss	NOUN
abr-61	365	18	?	?	PUNCT
abr-61	366	1	is	be	AUX
abr-61	366	2	it	it	PRON
abr-61	366	3	because	because	SCONJ
abr-61	366	4	of	of	ADP
abr-61	366	5	the	the	DET
abr-61	366	6	cost	cost	NOUN
abr-61	366	7	structure	structure	NOUN
abr-61	366	8	,	,	PUNCT
abr-61	366	9	the	the	DET
abr-61	366	10	average	average	ADJ
abr-61	366	11	loan	loan	NOUN
abr-61	366	12	amount	amount	NOUN
abr-61	366	13	,	,	PUNCT
abr-61	366	14	the	the	DET
abr-61	366	15	level	level	NOUN
abr-61	366	16	of	of	ADP
abr-61	366	17	interest	interest	NOUN
abr-61	366	18	rates	rate	NOUN
abr-61	366	19	,	,	PUNCT
abr-61	366	20	or	or	CCONJ
abr-61	366	21	even	even	ADV
abr-61	366	22	the	the	DET
abr-61	366	23	clients	client	NOUN
abr-61	366	24	’	’	PART
abr-61	366	25	characteristics	characteristic	NOUN
abr-61	366	26	?	?	PUNCT
abr-61	367	1	why	why	SCONJ
abr-61	367	2	does	do	AUX
abr-61	367	3	neither	neither	CCONJ
abr-61	367	4	the	the	DET
abr-61	367	5	client	client	NOUN
abr-61	367	6	(	(	PUNCT
abr-61	367	7	depositors	depositor	NOUN
abr-61	367	8	/	/	SYM
abr-61	367	9	borrowers	borrower	NOUN
abr-61	367	10	ratio	ratio	NOUN
abr-61	367	11	)	)	PUNCT
abr-61	367	12	nor	nor	CCONJ
abr-61	367	13	the	the	DET
abr-61	367	14	asset	asset	NOUN
abr-61	367	15	(	(	PUNCT
abr-61	367	16	deposits	deposit	NOUN
abr-61	367	17	/	/	SYM
abr-61	367	18	gross	gross	ADJ
abr-61	367	19	loan	loan	NOUN
abr-61	367	20	portfolio	portfolio	NOUN
abr-61	367	21	ratio	ratio	NOUN
abr-61	367	22	)	)	PUNCT
abr-61	367	23	structure	structure	NOUN
abr-61	367	24	impact	impact	NOUN
abr-61	367	25	an	an	DET
abr-61	367	26	mfi	mfi	PROPN
abr-61	367	27	’s	’s	PART
abr-61	367	28	oss	oss	NOUN
abr-61	367	29	,	,	PUNCT
abr-61	367	30	even	even	ADV
abr-61	367	31	though	though	SCONJ
abr-61	367	32	an	an	DET
abr-61	367	33	mfi	mfi	PROPN
abr-61	367	34	generates	generate	VERB
abr-61	367	35	its	its	PRON
abr-61	367	36	revenues	revenue	NOUN
abr-61	367	37	from	from	ADP
abr-61	367	38	interest	interest	NOUN
abr-61	367	39	rates	rate	NOUN
abr-61	367	40	on	on	ADP
abr-61	367	41	loans	loan	NOUN
abr-61	367	42	and	and	CCONJ
abr-61	367	43	public	public	ADJ
abr-61	367	44	deposits	deposit	NOUN
abr-61	367	45	?	?	PUNCT
abr-61	368	1	furthermore	furthermore	ADV
abr-61	368	2	,	,	PUNCT
abr-61	368	3	why	why	SCONJ
abr-61	368	4	the	the	DET
abr-61	368	5	recent	recent	ADJ
abr-61	368	6	worldwide	worldwide	ADJ
abr-61	368	7	financial	financial	ADJ
abr-61	368	8	crisis	crisis	NOUN
abr-61	368	9	and	and	CCONJ
abr-61	368	10	economic	economic	ADJ
abr-61	368	11	downturn	downturn	NOUN
abr-61	368	12	had	have	VERB
abr-61	368	13	no	no	DET
abr-61	368	14	significant	significant	ADJ
abr-61	368	15	impact	impact	NOUN
abr-61	368	16	on	on	ADP
abr-61	368	17	the	the	DET
abr-61	368	18	oss	oss	NOUN
abr-61	368	19	in	in	ADP
abr-61	368	20	the	the	DET
abr-61	368	21	model	model	NOUN
abr-61	368	22	?	?	PUNCT
abr-61	369	1	is	be	AUX
abr-61	369	2	it	it	PRON
abr-61	369	3	because	because	SCONJ
abr-61	369	4	crisis	crisis	NOUN
abr-61	369	5	like	like	ADP
abr-61	369	6	this	this	PRON
abr-61	369	7	have	have	VERB
abr-61	369	8	a	a	DET
abr-61	369	9	delayed	delay	VERB
abr-61	369	10	effect	effect	NOUN
abr-61	369	11	on	on	ADP
abr-61	369	12	the	the	DET
abr-61	369	13	microfinance	microfinance	NOUN
abr-61	369	14	sector	sector	NOUN
abr-61	369	15	and	and	CCONJ
abr-61	369	16	therefore	therefore	ADV
abr-61	369	17	not	not	PART
abr-61	369	18	yet	yet	ADV
abr-61	369	19	found	find	VERB
abr-61	369	20	significant	significant	ADJ
abr-61	369	21	?	?	PUNCT
abr-61	370	1	or	or	CCONJ
abr-61	370	2	is	be	AUX
abr-61	370	3	it	it	PRON
abr-61	370	4	because	because	SCONJ
abr-61	370	5	the	the	DET
abr-61	370	6	microfinance	microfinance	NOUN
abr-61	370	7	sector	sector	NOUN
abr-61	370	8	is	be	AUX
abr-61	370	9	more	more	ADV
abr-61	370	10	resilient	resilient	ADJ
abr-61	370	11	to	to	ADP
abr-61	370	12	crisis	crisis	VERB
abr-61	370	13	?	?	PUNCT
abr-61	371	1	if	if	SCONJ
abr-61	371	2	it	it	PRON
abr-61	371	3	is	be	AUX
abr-61	371	4	found	find	VERB
abr-61	371	5	in	in	ADP
abr-61	371	6	the	the	DET
abr-61	371	7	future	future	NOUN
abr-61	371	8	that	that	SCONJ
abr-61	371	9	the	the	DET
abr-61	371	10	crisis	crisis	NOUN
abr-61	371	11	actually	actually	ADV
abr-61	371	12	has	have	AUX
abr-61	371	13	affected	affect	VERB
abr-61	371	14	mfis	mfis	ADJ
abr-61	371	15	’	'	PUNCT
abr-61	371	16	profitability	profitability	NOUN
abr-61	371	17	,	,	PUNCT
abr-61	371	18	operational	operational	ADJ
abr-61	371	19	sustainability	sustainability	NOUN
abr-61	371	20	,	,	PUNCT
abr-61	371	21	or	or	CCONJ
abr-61	371	22	the	the	DET
abr-61	371	23	ability	ability	NOUN
abr-61	371	24	to	to	PART
abr-61	371	25	grant	grant	VERB
abr-61	371	26	loans	loan	NOUN
abr-61	371	27	,	,	PUNCT
abr-61	371	28	how	how	SCONJ
abr-61	371	29	will	will	AUX
abr-61	371	30	they	they	PRON
abr-61	371	31	provide	provide	VERB
abr-61	371	32	service	service	NOUN
abr-61	371	33	to	to	ADP
abr-61	371	34	the	the	DET
abr-61	371	35	poor	poor	ADJ
abr-61	371	36	?	?	PUNCT
abr-61	372	1	as	as	SCONJ
abr-61	372	2	mentioned	mention	VERB
abr-61	372	3	,	,	PUNCT
abr-61	372	4	oss	oss	PROPN
abr-61	372	5	is	be	AUX
abr-61	372	6	a	a	DET
abr-61	372	7	good	good	ADJ
abr-61	372	8	measure	measure	NOUN
abr-61	372	9	of	of	ADP
abr-61	372	10	the	the	DET
abr-61	372	11	financial	financial	ADJ
abr-61	372	12	sustainability	sustainability	NOUN
abr-61	372	13	of	of	ADP
abr-61	372	14	an	an	DET
abr-61	372	15	mfi	mfi	PROPN
abr-61	372	16	,	,	PUNCT
abr-61	372	17	but	but	CCONJ
abr-61	372	18	as	as	ADP
abr-61	372	19	any	any	DET
abr-61	372	20	other	other	ADJ
abr-61	372	21	measure	measure	NOUN
abr-61	372	22	of	of	ADP
abr-61	372	23	financial	financial	ADJ
abr-61	372	24	performance	performance	NOUN
abr-61	372	25	,	,	PUNCT
abr-61	372	26	it	it	PRON
abr-61	372	27	does	do	AUX
abr-61	372	28	not	not	PART
abr-61	372	29	assess	assess	VERB
abr-61	372	30	the	the	DET
abr-61	372	31	social	social	ADJ
abr-61	372	32	benefit	benefit	NOUN
abr-61	372	33	to	to	ADP
abr-61	372	34	a	a	DET
abr-61	372	35	single	single	ADJ
abr-61	372	36	client	client	NOUN
abr-61	372	37	,	,	PUNCT
abr-61	372	38	a	a	DET
abr-61	372	39	community	community	NOUN
abr-61	372	40	,	,	PUNCT
abr-61	372	41	or	or	CCONJ
abr-61	372	42	even	even	ADV
abr-61	372	43	a	a	DET
abr-61	372	44	whole	whole	ADJ
abr-61	372	45	country	country	NOUN
abr-61	372	46	in	in	ADP
abr-61	372	47	terms	term	NOUN
abr-61	372	48	of	of	ADP
abr-61	372	49	increasing	increase	VERB
abr-61	372	50	welfare	welfare	NOUN
abr-61	372	51	or	or	CCONJ
abr-61	372	52	reducing	reduce	VERB
abr-61	372	53	poverty	poverty	NOUN
abr-61	372	54	.	.	PUNCT
abr-61	373	1	financial	financial	ADJ
abr-61	373	2	performance	performance	NOUN
abr-61	373	3	and	and	CCONJ
abr-61	373	4	sustainability	sustainability	NOUN
abr-61	373	5	in	in	ADP
abr-61	373	6	the	the	DET
abr-61	373	7	microfinance	microfinance	NOUN
abr-61	373	8	sector	sector	NOUN
abr-61	373	9	has	have	AUX
abr-61	373	10	become	become	VERB
abr-61	373	11	increasingly	increasingly	ADV
abr-61	373	12	important	important	ADJ
abr-61	373	13	to	to	PART
abr-61	373	14	attract	attract	VERB
abr-61	373	15	socially	socially	ADV
abr-61	373	16	responsible	responsible	ADJ
abr-61	373	17	investors	investor	NOUN
abr-61	373	18	.	.	PUNCT
abr-61	374	1	but	but	CCONJ
abr-61	374	2	,	,	PUNCT
abr-61	374	3	at	at	ADP
abr-61	374	4	the	the	DET
abr-61	374	5	same	same	ADJ
abr-61	374	6	time	time	NOUN
abr-61	374	7	mfis	mfis	PROPN
abr-61	374	8	must	must	AUX
abr-61	374	9	achieve	achieve	VERB
abr-61	374	10	their	their	PRON
abr-61	374	11	fundamental	fundamental	ADJ
abr-61	374	12	goal	goal	NOUN
abr-61	374	13	of	of	ADP
abr-61	374	14	reducing	reduce	VERB
abr-61	374	15	poverty	poverty	NOUN
abr-61	374	16	by	by	ADP
abr-61	374	17	helping	help	VERB
abr-61	374	18	to	to	PART
abr-61	374	19	build	build	VERB
abr-61	374	20	inclusive	inclusive	ADJ
abr-61	374	21	financial	financial	ADJ
abr-61	374	22	sector	sector	NOUN
abr-61	374	23	and	and	CCONJ
abr-61	374	24	by	by	ADP
abr-61	374	25	giving	give	VERB
abr-61	374	26	the	the	DET
abr-61	374	27	poor	poor	ADJ
abr-61	374	28	access	access	NOUN
abr-61	374	29	to	to	ADP
abr-61	374	30	financial	financial	ADJ
abr-61	374	31	intermediation	intermediation	NOUN
abr-61	374	32	.	.	PUNCT
abr-61	375	1	both	both	DET
abr-61	375	2	goals	goal	NOUN
abr-61	375	3	,	,	PUNCT
abr-61	375	4	schäfer	schäfer	NOUN
abr-61	375	5	and	and	CCONJ
abr-61	375	6	fukasawa	fukasawa	NOUN
abr-61	375	7	advances	advance	NOUN
abr-61	375	8	in	in	ADP
abr-61	375	9	business	business	NOUN
abr-61	375	10	research	research	NOUN
abr-61	375	11	2011	2011	NUM
abr-61	375	12	,	,	PUNCT
abr-61	375	13	vol	vol	NOUN
abr-61	375	14	.	.	PROPN
abr-61	375	15	2	2	NUM
abr-61	375	16	,	,	PUNCT
abr-61	375	17	no	no	INTJ
abr-61	375	18	.	.	NOUN
abr-61	375	19	1	1	NUM
abr-61	375	20	,	,	PUNCT
abr-61	375	21	172	172	NUM
abr-61	375	22	-	-	SYM
abr-61	375	23	178	178	NUM
abr-61	375	24	177	177	NUM
abr-61	375	25	being	be	AUX
abr-61	375	26	financially	financially	ADV
abr-61	375	27	sustainable	sustainable	ADJ
abr-61	375	28	and	and	CCONJ
abr-61	375	29	achieving	achieve	VERB
abr-61	375	30	the	the	DET
abr-61	375	31	social	social	ADJ
abr-61	375	32	objective	objective	NOUN
abr-61	375	33	,	,	PUNCT
abr-61	375	34	have	have	VERB
abr-61	375	35	to	to	PART
abr-61	375	36	be	be	AUX
abr-61	375	37	considered	consider	VERB
abr-61	375	38	.	.	PUNCT
abr-61	376	1	a	a	DET
abr-61	376	2	promising	promising	ADJ
abr-61	376	3	future	future	NOUN
abr-61	376	4	of	of	ADP
abr-61	376	5	the	the	DET
abr-61	376	6	microfinance	microfinance	NOUN
abr-61	376	7	sector	sector	NOUN
abr-61	376	8	and	and	CCONJ
abr-61	376	9	its	its	PRON
abr-61	376	10	providers	provider	NOUN
abr-61	376	11	(	(	PUNCT
abr-61	376	12	mfis	mfis	PROPN
abr-61	376	13	)	)	PUNCT
abr-61	376	14	will	will	AUX
abr-61	376	15	only	only	ADV
abr-61	376	16	be	be	AUX
abr-61	376	17	possible	possible	ADJ
abr-61	376	18	if	if	SCONJ
abr-61	376	19	both	both	DET
abr-61	376	20	goals	goal	NOUN
abr-61	376	21	are	be	AUX
abr-61	376	22	realized	realize	VERB
abr-61	376	23	.	.	PUNCT
abr-61	377	1	only	only	ADV
abr-61	377	2	then	then	ADV
abr-61	377	3	will	will	AUX
abr-61	377	4	it	it	PRON
abr-61	377	5	be	be	AUX
abr-61	377	6	possible	possible	ADJ
abr-61	377	7	to	to	PART
abr-61	377	8	achieve	achieve	VERB
abr-61	377	9	the	the	DET
abr-61	377	10	millennium	millennium	NOUN
abr-61	377	11	development	development	NOUN
abr-61	377	12	goal	goal	NOUN
abr-61	377	13	of	of	ADP
abr-61	377	14	the	the	DET
abr-61	377	15	united	united	PROPN
abr-61	377	16	nations	nations	PROPN
abr-61	377	17	to	to	PART
abr-61	377	18	“	"	PUNCT
abr-61	377	19	eradicate	eradicate	VERB
abr-61	377	20	extreme	extreme	ADJ
abr-61	377	21	poverty	poverty	NOUN
abr-61	377	22	and	and	CCONJ
abr-61	377	23	hunger	hunger	NOUN
abr-61	377	24	”	"	PUNCT
abr-61	377	25	by	by	ADP
abr-61	377	26	the	the	DET
abr-61	377	27	use	use	NOUN
abr-61	377	28	of	of	ADP
abr-61	377	29	microfinance	microfinance	NOUN
abr-61	377	30	.	.	PUNCT
abr-61	378	1	references	reference	NOUN
abr-61	378	2	barres	barre	NOUN
abr-61	378	3	,	,	PUNCT
abr-61	378	4	i.	i.	PROPN
abr-61	378	5	2006	2006	NUM
abr-61	378	6	.	.	PUNCT
abr-61	379	1	financial	financial	ADJ
abr-61	379	2	self	self	NOUN
abr-61	379	3	-	-	PUNCT
abr-61	379	4	sufficiency	sufficiency	NOUN
abr-61	379	5	(	(	PUNCT
abr-61	379	6	fss	fss	NOUN
abr-61	379	7	)	)	PUNCT
abr-61	379	8	.	.	PUNCT
abr-61	380	1	the	the	DET
abr-61	380	2	microbanking	microbanking	ADJ
abr-61	380	3	bulletin	bulletin	NOUN
abr-61	380	4	2006	2006	NUM
abr-61	380	5	,	,	PUNCT
abr-61	380	6	13	13	NUM
abr-61	380	7	,	,	PUNCT
abr-61	380	8	washington	washington	PROPN
abr-61	380	9	,	,	PUNCT
abr-61	380	10	d.c	d.c	PROPN
abr-61	380	11	.	.	PUNCT
abr-61	380	12	:	:	PUNCT
abr-61	380	13	microfinance	microfinance	NOUN
abr-61	380	14	information	information	NOUN
abr-61	380	15	exchange	exchange	NOUN
abr-61	380	16	market	market	PROPN
abr-61	380	17	,	,	PUNCT
abr-61	380	18	inc	inc	PROPN
abr-61	380	19	.	.	PROPN
abr-61	380	20	,	,	PUNCT
abr-61	380	21	21	21	NUM
abr-61	380	22	-	-	SYM
abr-61	380	23	22	22	NUM
abr-61	380	24	.	.	PUNCT
abr-61	381	1	campion	campion	NOUN
abr-61	381	2	,	,	PUNCT
abr-61	381	3	a.	a.	PROPN
abr-61	381	4	,	,	PUNCT
abr-61	381	5	&	&	CCONJ
abr-61	381	6	white	white	PROPN
abr-61	381	7	,	,	PUNCT
abr-61	381	8	v.	v.	ADP
abr-61	381	9	1999	1999	NUM
abr-61	381	10	.	.	PUNCT
abr-61	382	1	institutional	institutional	ADJ
abr-61	382	2	metamorphosis	metamorphosis	NOUN
abr-61	382	3	:	:	PUNCT
abr-61	382	4	transformation	transformation	NOUN
abr-61	382	5	of	of	ADP
abr-61	382	6	microfinance	microfinance	NOUN
abr-61	382	7	ngos	ngo	NOUN
abr-61	382	8	into	into	ADP
abr-61	382	9	regulated	regulated	ADJ
abr-61	382	10	financial	financial	ADJ
abr-61	382	11	institutions	institution	NOUN
abr-61	382	12	.	.	PUNCT
abr-61	383	1	the	the	DET
abr-61	383	2	microfinance	microfinance	NOUN
abr-61	383	3	network	network	NOUN
abr-61	383	4	occasional	occasional	ADJ
abr-61	383	5	paper	paper	NOUN
abr-61	383	6	,	,	PUNCT
abr-61	383	7	no	no	INTJ
abr-61	383	8	.	.	NOUN
abr-61	383	9	4	4	NUM
abr-61	383	10	.	.	X
abr-61	383	11	cgap	cgap	PROPN
abr-61	383	12	.	.	PUNCT
abr-61	384	1	2003	2003	NUM
abr-61	384	2	.	.	PUNCT
abr-61	385	1	microfinance	microfinance	NOUN
abr-61	385	2	overview	overview	NOUN
abr-61	385	3	.	.	PUNCT
abr-61	386	1	retrieved	retrieve	VERB
abr-61	386	2	on	on	ADP
abr-61	386	3	november	november	PROPN
abr-61	386	4	27	27	NUM
abr-61	386	5	,	,	PUNCT
abr-61	386	6	2009	2009	NUM
abr-61	386	7	,	,	PUNCT
abr-61	386	8	from	from	ADP
abr-61	386	9	http://www.cgap.org/	http://www.cgap.org/	NOUN
abr-61	386	10	about	about	ADP
abr-61	386	11	/	/	SYM
abr-61	386	12	microfinance.html	microfinance.html	PROPN
abr-61	386	13	.	.	PUNCT
abr-61	387	1	daley	daley	PROPN
abr-61	387	2	-	-	PUNCT
abr-61	387	3	harris	harris	PROPN
abr-61	387	4	,	,	PUNCT
abr-61	387	5	s.	s.	PROPN
abr-61	387	6	2009	2009	NUM
abr-61	387	7	.	.	PUNCT
abr-61	388	1	state	state	NOUN
abr-61	388	2	of	of	ADP
abr-61	388	3	the	the	DET
abr-61	388	4	microcredit	microcredit	NOUN
abr-61	388	5	summit	summit	NOUN
abr-61	388	6	campaign	campaign	NOUN
abr-61	388	7	report	report	NOUN
abr-61	388	8	2009	2009	NUM
abr-61	388	9	.	.	PUNCT
abr-61	389	1	retrieved	retrieve	VERB
abr-61	389	2	on	on	ADP
abr-61	389	3	october	october	PROPN
abr-61	389	4	10	10	NUM
abr-61	389	5	,	,	PUNCT
abr-61	389	6	2009	2009	NUM
abr-61	389	7	from	from	ADP
abr-61	389	8	http://www.microcreditsummit.org/uploads/socrs?socr2009_english.pdf	http://www.microcreditsummit.org/uploads/socrs?socr2009_english.pdf	PROPN
abr-61	389	9	foroohar	foroohar	PROPN
abr-61	389	10	,	,	PUNCT
abr-61	389	11	r.	r.	PROPN
abr-61	389	12	2010	2010	NUM
abr-61	389	13	.	.	PUNCT
abr-61	390	1	it	it	PRON
abr-61	390	2	’s	’	VERB
abr-61	390	3	payback	payback	NOUN
abr-61	390	4	time	time	NOUN
abr-61	390	5	how	how	SCONJ
abr-61	390	6	a	a	DET
abr-61	390	7	bangladeshi	bangladeshi	ADJ
abr-61	390	8	bank	bank	NOUN
abr-61	390	9	is	be	AUX
abr-61	390	10	growing	grow	VERB
abr-61	390	11	in	in	ADP
abr-61	390	12	the	the	DET
abr-61	390	13	u.s	u.s	PROPN
abr-61	390	14	.	.	PROPN
abr-61	390	15	by	by	ADP
abr-61	390	16	making	make	VERB
abr-61	390	17	tiny	tiny	ADJ
abr-61	390	18	loans	loan	NOUN
abr-61	390	19	to	to	ADP
abr-61	390	20	groups	group	NOUN
abr-61	390	21	of	of	ADP
abr-61	390	22	poor	poor	ADJ
abr-61	390	23	women	woman	NOUN
abr-61	390	24	with	with	ADP
abr-61	390	25	entrepreneurial	entrepreneurial	ADJ
abr-61	390	26	dreams	dream	NOUN
abr-61	390	27	.	.	PUNCT
abr-61	391	1	newsweek	newsweek	PROPN
abr-61	391	2	,	,	PUNCT
abr-61	391	3	july	july	PROPN
abr-61	391	4	26	26	NUM
abr-61	391	5	:	:	PUNCT
abr-61	391	6	44	44	NUM
abr-61	391	7	-	-	SYM
abr-61	391	8	45	45	NUM
abr-61	391	9	.	.	PUNCT
abr-61	392	1	getu	getu	VERB
abr-61	392	2	,	,	PUNCT
abr-61	392	3	m.	m.	NOUN
abr-61	392	4	,	,	PUNCT
abr-61	392	5	&	&	CCONJ
abr-61	392	6	kempton	kempton	PROPN
abr-61	392	7	,	,	PUNCT
abr-61	392	8	l.	l.	PROPN
abr-61	392	9	2004	2004	NUM
abr-61	392	10	.	.	PUNCT
abr-61	393	1	enterprise	enterprise	NOUN
abr-61	393	2	development	development	NOUN
abr-61	393	3	analysis	analysis	NOUN
abr-61	393	4	and	and	CCONJ
abr-61	393	5	design	design	NOUN
abr-61	393	6	:	:	PUNCT
abr-61	393	7	a	a	DET
abr-61	393	8	framework	framework	NOUN
abr-61	393	9	for	for	ADP
abr-61	393	10	making	make	VERB
abr-61	393	11	the	the	DET
abr-61	393	12	case	case	NOUN
abr-61	393	13	for	for	ADP
abr-61	393	14	tearfund	tearfund	PROPN
abr-61	393	15	’s	’s	PART
abr-61	393	16	development	development	NOUN
abr-61	393	17	in	in	ADP
abr-61	393	18	enterprise	enterprise	NOUN
abr-61	393	19	development	development	NOUN
abr-61	393	20	.	.	PUNCT
abr-61	394	1	london	london	PROPN
abr-61	394	2	:	:	PUNCT
abr-61	395	1	tearfund	tearfund	ADJ
abr-61	395	2	.	.	PUNCT
abr-61	396	1	helms	helm	NOUN
abr-61	396	2	,	,	PUNCT
abr-61	396	3	b.	b.	PROPN
abr-61	396	4	2006	2006	NUM
abr-61	396	5	.	.	PUNCT
abr-61	397	1	access	access	NOUN
abr-61	397	2	for	for	ADP
abr-61	397	3	all	all	PRON
abr-61	397	4	:	:	PUNCT
abr-61	397	5	building	build	VERB
abr-61	397	6	inclusive	inclusive	ADJ
abr-61	397	7	financial	financial	ADJ
abr-61	397	8	systems	system	NOUN
abr-61	397	9	.	.	PUNCT
abr-61	398	1	consultative	consultative	ADJ
abr-61	398	2	group	group	NOUN
abr-61	398	3	to	to	PART
abr-61	398	4	assist	assist	VERB
abr-61	398	5	the	the	DET
abr-61	398	6	poor	poor	ADJ
abr-61	398	7	(	(	PUNCT
abr-61	398	8	cgap	cgap	PROPN
abr-61	398	9	)	)	PUNCT
abr-61	398	10	.	.	PUNCT
abr-61	399	1	washington	washington	PROPN
abr-61	399	2	,	,	PUNCT
abr-61	399	3	d.c	d.c	PROPN
abr-61	399	4	.	.	PUNCT
abr-61	399	5	:	:	PUNCT
abr-61	399	6	world	world	PROPN
abr-61	399	7	bank	bank	PROPN
abr-61	399	8	.	.	PUNCT
abr-61	400	1	imboden	imboden	PROPN
abr-61	400	2	,	,	PUNCT
abr-61	400	3	k.	k.	PROPN
abr-61	400	4	2005	2005	NUM
abr-61	400	5	.	.	PUNCT
abr-61	401	1	building	build	VERB
abr-61	401	2	inclusive	inclusive	ADJ
abr-61	401	3	financial	financial	ADJ
abr-61	401	4	sectors	sector	NOUN
abr-61	401	5	:	:	PUNCT
abr-61	401	6	the	the	DET
abr-61	401	7	road	road	NOUN
abr-61	401	8	to	to	ADP
abr-61	401	9	growth	growth	NOUN
abr-61	401	10	and	and	CCONJ
abr-61	401	11	poverty	poverty	NOUN
abr-61	401	12	reduction	reduction	NOUN
abr-61	401	13	.	.	PUNCT
abr-61	402	1	journal	journal	NOUN
abr-61	402	2	of	of	ADP
abr-61	402	3	international	international	PROPN
abr-61	402	4	affairs	affair	NOUN
abr-61	402	5	,	,	PUNCT
abr-61	402	6	58	58	NUM
abr-61	402	7	:	:	SYM
abr-61	402	8	65	65	NUM
abr-61	402	9	-	-	SYM
abr-61	402	10	86	86	NUM
abr-61	402	11	.	.	PUNCT
abr-61	403	1	ledgerwood	ledgerwood	PROPN
abr-61	403	2	,	,	PUNCT
abr-61	403	3	j.	j.	PROPN
abr-61	403	4	1999	1999	NUM
abr-61	403	5	.	.	PUNCT
abr-61	404	1	microfinance	microfinance	NOUN
abr-61	404	2	handbook	handbook	NOUN
abr-61	404	3	.	.	PUNCT
abr-61	405	1	an	an	DET
abr-61	405	2	institutional	institutional	ADJ
abr-61	405	3	and	and	CCONJ
abr-61	405	4	financial	financial	ADJ
abr-61	405	5	perspective	perspective	NOUN
abr-61	405	6	.	.	PUNCT
abr-61	406	1	washington	washington	PROPN
abr-61	406	2	,	,	PUNCT
abr-61	406	3	d.c	d.c	PROPN
abr-61	406	4	.	.	PROPN
abr-61	406	5	:	:	PUNCT
abr-61	407	1	the	the	DET
abr-61	407	2	world	world	PROPN
abr-61	407	3	bank	bank	PROPN
abr-61	407	4	.	.	PUNCT
abr-61	408	1	microcredit	microcredit	NOUN
abr-61	408	2	summit	summit	NOUN
abr-61	408	3	campaign	campaign	NOUN
abr-61	408	4	.	.	PUNCT
abr-61	409	1	2009	2009	NUM
abr-61	409	2	.	.	PUNCT
abr-61	410	1	about	about	ADP
abr-61	410	2	the	the	DET
abr-61	410	3	microcredit	microcredit	NOUN
abr-61	410	4	summit	summit	NOUN
abr-61	410	5	campaign	campaign	NOUN
abr-61	410	6	.	.	PUNCT
abr-61	411	1	retrieved	retrieve	VERB
abr-61	411	2	on	on	ADP
abr-61	411	3	october	october	PROPN
abr-61	411	4	7	7	NUM
abr-61	411	5	,	,	PUNCT
abr-61	411	6	2009	2009	NUM
abr-61	411	7	from	from	ADP
abr-61	411	8	http://www.microcreditsummit.org/about_the_microcredit_summit_campaign/.	http://www.microcreditsummit.org/about_the_microcredit_summit_campaign/.	PROPN
abr-61	411	9	microcredit	microcredit	NOUN
abr-61	411	10	summit	summit	NOUN
abr-61	411	11	campaign	campaign	NOUN
abr-61	411	12	.	.	PUNCT
abr-61	412	1	2009	2009	NUM
abr-61	412	2	.	.	PUNCT
abr-61	413	1	state	state	NOUN
abr-61	413	2	of	of	ADP
abr-61	413	3	the	the	DET
abr-61	413	4	campaign	campaign	NOUN
abr-61	413	5	report	report	NOUN
abr-61	413	6	archive	archive	NOUN
abr-61	413	7	.	.	PUNCT
abr-61	413	8	retrieved	retrieve	VERB
abr-61	413	9	on	on	ADP
abr-61	413	10	october	october	PROPN
abr-61	413	11	7	7	NUM
abr-61	413	12	,	,	PUNCT
abr-61	413	13	2009	2009	NUM
abr-61	413	14	from	from	ADP
abr-61	413	15	http://www.microcreditsummit.org/socr_archive/.	http://www.microcreditsummit.org/socr_archive/.	NUM
abr-61	413	16	mix	mix	NOUN
abr-61	413	17	.	.	PUNCT
abr-61	413	18	2009	2009	NUM
abr-61	413	19	.	.	PUNCT
abr-61	414	1	the	the	DET
abr-61	414	2	microbanking	microbanking	ADJ
abr-61	414	3	bulletin	bulletin	NOUN
abr-61	414	4	,	,	PUNCT
abr-61	414	5	no	no	INTJ
abr-61	414	6	.	.	NOUN
abr-61	414	7	19	19	NUM
abr-61	414	8	.	.	PUNCT
abr-61	414	9	washington	washington	PROPN
abr-61	414	10	,	,	PUNCT
abr-61	414	11	d.c	d.c	PROPN
abr-61	414	12	.	.	PUNCT
abr-61	414	13	:	:	PUNCT
abr-61	414	14	microfinance	microfinance	NOUN
abr-61	414	15	information	information	PROPN
abr-61	414	16	exchange	exchange	PROPN
abr-61	414	17	inc	inc	PROPN
abr-61	414	18	.	.	PROPN
abr-61	414	19	norbel	norbel	PROPN
abr-61	414	20	foundation	foundation	PROPN
abr-61	414	21	.	.	PUNCT
abr-61	415	1	the	the	DET
abr-61	415	2	nobel	nobel	PROPN
abr-61	415	3	peace	peace	PROPN
abr-61	415	4	prize	prize	PROPN
abr-61	415	5	2006	2006	NUM
abr-61	415	6	.	.	PUNCT
abr-61	416	1	retrieved	retrieve	VERB
abr-61	416	2	on	on	ADP
abr-61	416	3	october	october	PROPN
abr-61	416	4	3	3	NUM
abr-61	416	5	,	,	PUNCT
abr-61	416	6	2009	2009	NUM
abr-61	416	7	from	from	ADP
abr-61	416	8	http://www	http://www	PROPN
abr-61	416	9	.	.	PUNCT
abr-61	416	10	nobelprize.org/nobel_prizes/peace/laureates/2006/index.html	nobelprize.org/nobel_prizes/peace/laureates/2006/index.html	PROPN
abr-61	416	11	.	.	PUNCT
abr-61	417	1	reno	reno	PROPN
abr-61	417	2	-	-	PUNCT
abr-61	417	3	weber	weber	PROPN
abr-61	417	4	,	,	PUNCT
abr-61	417	5	b.	b.	PROPN
abr-61	417	6	2008	2008	NUM
abr-61	417	7	.	.	PUNCT
abr-61	418	1	microfinance	microfinance	NOUN
abr-61	418	2	goes	go	VERB
abr-61	418	3	mainstream	mainstream	ADJ
abr-61	418	4	.	.	PUNCT
abr-61	419	1	harvard	harvard	PROPN
abr-61	419	2	kennedy	kennedy	PROPN
abr-61	419	3	school	school	PROPN
abr-61	419	4	review	review	PROPN
abr-61	419	5	,	,	PUNCT
abr-61	419	6	8	8	NUM
abr-61	419	7	:	:	SYM
abr-61	419	8	123	123	NUM
abr-61	419	9	-	-	SYM
abr-61	419	10	128	128	NUM
abr-61	419	11	.	.	PUNCT
abr-61	420	1	robinson	robinson	PROPN
abr-61	420	2	,	,	PUNCT
abr-61	420	3	m.	m.	NOUN
abr-61	420	4	2001	2001	NUM
abr-61	420	5	.	.	PUNCT
abr-61	421	1	the	the	DET
abr-61	421	2	microfinance	microfinance	NOUN
abr-61	421	3	revolution	revolution	NOUN
abr-61	421	4	:	:	PUNCT
abr-61	421	5	sustainable	sustainable	ADJ
abr-61	421	6	finance	finance	NOUN
abr-61	421	7	for	for	ADP
abr-61	421	8	the	the	DET
abr-61	421	9	poor	poor	ADJ
abr-61	421	10	.	.	PUNCT
abr-61	422	1	washington	washington	PROPN
abr-61	422	2	,	,	PUNCT
abr-61	422	3	d.c	d.c	PROPN
abr-61	422	4	.	.	PUNCT
abr-61	422	5	:	:	PUNCT
abr-61	422	6	world	world	PROPN
abr-61	422	7	bank	bank	PROPN
abr-61	422	8	publications	publication	NOUN
abr-61	422	9	.	.	PUNCT
abr-61	422	10	rosengard	rosengard	NOUN
abr-61	422	11	,	,	PUNCT
abr-61	422	12	j.	j.	PROPN
abr-61	422	13	2001	2001	PROPN
abr-61	422	14	.	.	PUNCT
abr-61	423	1	kinks	kink	NOUN
abr-61	423	2	in	in	ADP
abr-61	423	3	the	the	DET
abr-61	423	4	links	link	NOUN
abr-61	423	5	:	:	PUNCT
abr-61	423	6	financial	financial	ADJ
abr-61	423	7	intermediation	intermediation	NOUN
abr-61	423	8	for	for	ADP
abr-61	423	9	africa	africa	PROPN
abr-61	423	10	’s	’s	PART
abr-61	423	11	poor	poor	ADJ
abr-61	423	12	.	.	PUNCT
abr-61	424	1	african	african	ADJ
abr-61	424	2	economic	economic	ADJ
abr-61	424	3	policy	policy	NOUN
abr-61	424	4	discussion	discussion	NOUN
abr-61	424	5	paper	paper	NOUN
abr-61	424	6	.	.	PUNCT
abr-61	425	1	schäfer	schäfer	NOUN
abr-61	425	2	and	and	CCONJ
abr-61	425	3	fukasawa	fukasawa	PROPN
abr-61	425	4	advances	advance	NOUN
abr-61	425	5	in	in	ADP
abr-61	425	6	business	business	NOUN
abr-61	425	7	research	research	NOUN
abr-61	425	8	2011	2011	NUM
abr-61	425	9	,	,	PUNCT
abr-61	425	10	vol	vol	NOUN
abr-61	425	11	.	.	PROPN
abr-61	425	12	2	2	NUM
abr-61	425	13	,	,	PUNCT
abr-61	425	14	no	no	INTJ
abr-61	425	15	.	.	NOUN
abr-61	425	16	1	1	NUM
abr-61	425	17	,	,	PUNCT
abr-61	425	18	172	172	NUM
abr-61	425	19	-	-	SYM
abr-61	425	20	178	178	NUM
abr-61	425	21	178	178	NUM
abr-61	425	22	barres	barre	NOUN
abr-61	425	23	,	,	PUNCT
abr-61	425	24	i.	i.	PROPN
abr-61	425	25	,	,	PUNCT
abr-61	425	26	bruett	bruett	PROPN
abr-61	425	27	,	,	PUNCT
abr-61	425	28	t.	t.	PROPN
abr-61	425	29	,	,	PUNCT
abr-61	425	30	curran	curran	PROPN
abr-61	425	31	,	,	PUNCT
abr-61	425	32	l.	l.	PROPN
abr-61	425	33	,	,	PUNCT
abr-61	425	34	escalona	escalona	PROPN
abr-61	425	35	,	,	PUNCT
abr-61	425	36	a.	a.	PROPN
abr-61	425	37	,	,	PUNCT
abr-61	425	38	nelson	nelson	PROPN
abr-61	425	39	,	,	PUNCT
abr-61	425	40	e.	e.	PROPN
abr-61	425	41	,	,	PUNCT
abr-61	425	42	&	&	CCONJ
abr-61	425	43	norell	norell	PROPN
abr-61	425	44	,	,	PUNCT
abr-61	425	45	p.	p.	NOUN
abr-61	425	46	2005	2005	NUM
abr-61	425	47	.	.	PUNCT
abr-61	426	1	measuring	measure	VERB
abr-61	426	2	performance	performance	NOUN
abr-61	426	3	of	of	ADP
abr-61	426	4	microfinance	microfinance	NOUN
abr-61	426	5	institutions	institution	NOUN
abr-61	426	6	a	a	DET
abr-61	426	7	framework	framework	NOUN
abr-61	426	8	for	for	ADP
abr-61	426	9	reporting	reporting	NOUN
abr-61	426	10	,	,	PUNCT
abr-61	426	11	analysis	analysis	NOUN
abr-61	426	12	,	,	PUNCT
abr-61	426	13	and	and	CCONJ
abr-61	426	14	monitoring	monitoring	NOUN
abr-61	426	15	.	.	PUNCT
abr-61	427	1	washington	washington	PROPN
abr-61	427	2	,	,	PUNCT
abr-61	427	3	d.c	d.c	PROPN
abr-61	427	4	.	.	PROPN
abr-61	427	5	:	:	PUNCT
abr-61	428	1	the	the	DET
abr-61	428	2	seep	seep	NOUN
abr-61	428	3	network	network	NOUN
abr-61	428	4	.	.	PUNCT
abr-61	429	1	united	united	PROPN
abr-61	429	2	nations	nations	PROPN
abr-61	429	3	.	.	PUNCT
abr-61	430	1	(	(	PUNCT
abr-61	430	2	2008	2008	NUM
abr-61	430	3	,	,	PUNCT
abr-61	430	4	september	september	PROPN
abr-61	430	5	25	25	NUM
abr-61	430	6	)	)	PUNCT
abr-61	430	7	.	.	PUNCT
abr-61	431	1	goal	goal	NOUN
abr-61	431	2	1	1	NUM
abr-61	431	3	:	:	PUNCT
abr-61	431	4	eradicate	eradicate	VERB
abr-61	431	5	extreme	extreme	ADJ
abr-61	431	6	poverty	poverty	NOUN
abr-61	431	7	and	and	CCONJ
abr-61	431	8	hunger	hunger	NOUN
abr-61	431	9	.	.	PUNCT
abr-61	432	1	retrieved	retrieve	VERB
abr-61	432	2	on	on	ADP
abr-61	432	3	october	october	PROPN
abr-61	432	4	6	6	NUM
abr-61	432	5	,	,	PUNCT
abr-61	432	6	2009	2009	NUM
abr-61	432	7	from	from	ADP
abr-61	432	8	http://www.un.org/millenniumgoals/2008highlevel/pdf/newsroom/goal%201	http://www.un.org/millenniumgoals/2008highlevel/pdf/newsroom/goal%201	NUM
abr-61	432	9	%	%	NOUN
abr-61	432	10	20final.pdf	20final.pdf	NUM
abr-61	432	11	.	.	PUNCT
abr-61	433	1	united	united	PROPN
abr-61	433	2	nations	nations	PROPN
abr-61	433	3	.	.	PUNCT
abr-61	434	1	(	(	PUNCT
abr-61	434	2	2004	2004	NUM
abr-61	434	3	,	,	PUNCT
abr-61	434	4	november	november	PROPN
abr-61	434	5	18	18	NUM
abr-61	434	6	)	)	PUNCT
abr-61	434	7	.	.	PUNCT
abr-61	435	1	press	press	NOUN
abr-61	435	2	release	release	NOUN
abr-61	435	3	dev/2492	dev/2492	ADP
abr-61	435	4	obv/452	obv/452	NOUN
abr-61	435	5	.	.	PUNCT
abr-61	436	1	retrieved	retrieve	VERB
abr-61	436	2	on	on	ADP
abr-61	436	3	october	october	PROPN
abr-61	436	4	3	3	NUM
abr-61	436	5	,	,	PUNCT
abr-61	436	6	2009	2009	NUM
abr-61	436	7	from	from	ADP
abr-61	436	8	http://www.un.org/news/press/docs/2004/dev2492.doc.htm	http://www.un.org/news/press/docs/2004/dev2492.doc.htm	PROPN
abr-61	436	9	.	.	PUNCT
abr-61	436	10	kai	kai	PROPN
abr-61	436	11	schäfer	schäfer	PROPN
abr-61	436	12	received	received	AUX
abr-61	436	13	his	his	PRON
abr-61	436	14	mba	mba	NOUN
abr-61	436	15	from	from	ADP
abr-61	436	16	midwestern	midwestern	ADJ
abr-61	436	17	state	state	NOUN
abr-61	436	18	university	university	NOUN
abr-61	436	19	in	in	ADP
abr-61	436	20	2010	2010	NUM
abr-61	436	21	while	while	SCONJ
abr-61	436	22	simultaneously	simultaneously	ADV
abr-61	436	23	earned	earn	VERB
abr-61	436	24	a	a	DET
abr-61	436	25	masters	master	NOUN
abr-61	436	26	degree	degree	NOUN
abr-61	436	27	in	in	ADP
abr-61	436	28	environmental	environmental	ADJ
abr-61	436	29	business	business	NOUN
abr-61	436	30	administration	administration	PROPN
abr-61	436	31	from	from	ADP
abr-61	436	32	university	university	PROPN
abr-61	436	33	of	of	ADP
abr-61	436	34	applied	apply	VERB
abr-61	436	35	sciences	sciences	PROPN
abr-61	436	36	trier	trier	NOUN
abr-61	436	37	in	in	ADP
abr-61	436	38	germany	germany	PROPN
abr-61	436	39	.	.	PUNCT
abr-61	437	1	he	he	PRON
abr-61	437	2	works	work	VERB
abr-61	437	3	for	for	ADP
abr-61	437	4	a	a	DET
abr-61	437	5	business	business	NOUN
abr-61	437	6	consulting	consulting	NOUN
abr-61	437	7	firm	firm	NOUN
abr-61	437	8	in	in	ADP
abr-61	437	9	the	the	DET
abr-61	437	10	field	field	NOUN
abr-61	437	11	of	of	ADP
abr-61	437	12	energy	energy	NOUN
abr-61	437	13	and	and	CCONJ
abr-61	437	14	public	public	ADJ
abr-61	437	15	services	service	NOUN
abr-61	437	16	in	in	ADP
abr-61	437	17	germany	germany	PROPN
abr-61	437	18	.	.	PUNCT
abr-61	438	1	he	he	PRON
abr-61	438	2	has	have	AUX
abr-61	438	3	published	publish	VERB
abr-61	438	4	in	in	ADP
abr-61	438	5	journal	journal	NOUN
abr-61	438	6	of	of	ADP
abr-61	438	7	managerial	managerial	ADJ
abr-61	438	8	issues	issue	NOUN
abr-61	438	9	.	.	PUNCT
abr-61	439	1	yoshi	yoshi	PROPN
abr-61	439	2	fukasawa	fukasawa	PROPN
abr-61	439	3	is	be	AUX
abr-61	439	4	professor	professor	NOUN
abr-61	439	5	of	of	ADP
abr-61	439	6	economics	economic	NOUN
abr-61	439	7	at	at	ADP
abr-61	439	8	midwestern	midwestern	ADJ
abr-61	439	9	state	state	NOUN
abr-61	439	10	university	university	PROPN
abr-61	439	11	in	in	ADP
abr-61	439	12	wichita	wichita	PROPN
abr-61	439	13	falls	fall	VERB
abr-61	439	14	,	,	PUNCT
abr-61	439	15	texas	texas	PROPN
abr-61	439	16	.	.	PUNCT
abr-61	440	1	he	he	PRON
abr-61	440	2	received	receive	VERB
abr-61	440	3	his	his	PRON
abr-61	440	4	ph.d	ph.d	NOUN
abr-61	440	5	.	.	PUNCT
abr-61	441	1	in	in	ADP
abr-61	441	2	economics	economic	NOUN
abr-61	441	3	from	from	ADP
abr-61	441	4	kansas	kansas	PROPN
abr-61	441	5	state	state	PROPN
abr-61	441	6	university	university	PROPN
abr-61	441	7	.	.	PUNCT
abr-61	442	1	his	his	PRON
abr-61	442	2	research	research	NOUN
abr-61	442	3	interest	interest	NOUN
abr-61	442	4	includes	include	VERB
abr-61	442	5	international	international	ADJ
abr-61	442	6	economics	economic	NOUN
abr-61	442	7	and	and	CCONJ
abr-61	442	8	the	the	DET
abr-61	442	9	texas	texas	PROPN
abr-61	442	10	economy	economy	NOUN
abr-61	442	11	.	.	PUNCT
abr-61	443	1	he	he	PRON
abr-61	443	2	has	have	AUX
abr-61	443	3	published	publish	VERB
abr-61	443	4	in	in	ADP
abr-61	443	5	journal	journal	NOUN
abr-61	443	6	of	of	ADP
abr-61	443	7	business	business	NOUN
abr-61	443	8	and	and	CCONJ
abr-61	443	9	leadership	leadership	NOUN
abr-61	443	10	,	,	PUNCT
abr-61	443	11	southwestern	southwestern	ADJ
abr-61	443	12	journal	journal	NOUN
abr-61	443	13	of	of	ADP
abr-61	443	14	economics	economic	NOUN
abr-61	443	15	,	,	PUNCT
abr-61	443	16	and	and	CCONJ
abr-61	443	17	texas	texas	PROPN
abr-61	443	18	business	business	PROPN
abr-61	443	19	review	review	PROPN
abr-61	443	20	.	.	PUNCT