id	sid	tid	token	lemma	pos
ajam-248	1	1	in	in	ADP
ajam-248	1	2	ternationa	ternationa	NOUN
ajam-248	1	3	l	l	NOUN
ajam-248	1	4	scholars	scholar	NOUN
ajam-248	1	5	journa	journa	VERB
ajam-248	1	6	ls	ls	ADJ
ajam-248	1	7	african	african	ADJ
ajam-248	1	8	journal	journal	NOUN
ajam-248	1	9	of	of	ADP
ajam-248	1	10	agricultural	agricultural	ADJ
ajam-248	1	11	marketing	marketing	NOUN
ajam-248	1	12	issn	issn	PROPN
ajam-248	1	13	2375	2375	NUM
ajam-248	1	14	-	-	SYM
ajam-248	1	15	1061	1061	NUM
ajam-248	1	16	vol	vol	NOUN
ajam-248	1	17	.	.	PROPN
ajam-248	1	18	8	8	NUM
ajam-248	1	19	(	(	PUNCT
ajam-248	1	20	2	2	NUM
ajam-248	1	21	)	)	PUNCT
ajam-248	1	22	,	,	PUNCT
ajam-248	1	23	pp	pp	PROPN
ajam-248	1	24	.	.	PUNCT
ajam-248	2	1	001	001	NUM
ajam-248	2	2	-	-	PUNCT
ajam-248	2	3	005	005	NUM
ajam-248	2	4	,	,	PUNCT
ajam-248	2	5	february	february	PROPN
ajam-248	2	6	,	,	PUNCT
ajam-248	2	7	2020	2020	NUM
ajam-248	2	8	.	.	PUNCT
ajam-248	3	1	available	available	ADJ
ajam-248	3	2	online	online	ADV
ajam-248	3	3	at	at	ADP
ajam-248	3	4	www.internationalscholarsjournals.org	www.internationalscholarsjournals.org	PROPN
ajam-248	3	5	©	©	PROPN
ajam-248	3	6	international	international	ADJ
ajam-248	3	7	scholars	scholar	NOUN
ajam-248	3	8	journals	journal	NOUN
ajam-248	3	9	author(s	author(s	PROPN
ajam-248	3	10	)	)	PUNCT
ajam-248	3	11	author(s	author(s	NOUN
ajam-248	3	12	)	)	PUNCT
ajam-248	3	13	retain	retain	VERB
ajam-248	3	14	the	the	DET
ajam-248	3	15	copyright	copyright	NOUN
ajam-248	3	16	of	of	ADP
ajam-248	3	17	this	this	DET
ajam-248	3	18	article	article	NOUN
ajam-248	3	19	.	.	PUNCT
ajam-248	4	1	full	full	ADJ
ajam-248	4	2	length	length	NOUN
ajam-248	4	3	research	research	NOUN
ajam-248	4	4	paper	paper	NOUN
ajam-248	4	5	sustainability	sustainability	NOUN
ajam-248	4	6	of	of	ADP
ajam-248	4	7	farm	farm	NOUN
ajam-248	4	8	credit	credit	NOUN
ajam-248	4	9	delivery	delivery	NOUN
ajam-248	4	10	by	by	ADP
ajam-248	4	11	cooperatives	cooperative	NOUN
ajam-248	4	12	and	and	CCONJ
ajam-248	4	13	ngos	ngo	NOUN
ajam-248	4	14	in	in	ADP
ajam-248	4	15	edo	edo	PROPN
ajam-248	4	16	and	and	CCONJ
ajam-248	4	17	delta	delta	PROPN
ajam-248	4	18	states	state	NOUN
ajam-248	4	19	,	,	PUNCT
ajam-248	4	20	nigeria	nigeria	PROPN
ajam-248	4	21	g.o	g.o	PROPN
ajam-248	4	22	.	.	PROPN
ajam-248	4	23	alufohai	alufohai	PROPN
ajam-248	4	24	department	department	PROPN
ajam-248	4	25	of	of	ADP
ajam-248	4	26	agricultural	agricultural	ADJ
ajam-248	4	27	economics	economic	NOUN
ajam-248	4	28	and	and	CCONJ
ajam-248	4	29	extension	extension	NOUN
ajam-248	4	30	services	service	NOUN
ajam-248	4	31	,	,	PUNCT
ajam-248	4	32	university	university	PROPN
ajam-248	4	33	of	of	ADP
ajam-248	4	34	benin	benin	PROPN
ajam-248	4	35	,	,	PUNCT
ajam-248	4	36	benin	benin	PROPN
ajam-248	4	37	city	city	PROPN
ajam-248	4	38	,	,	PUNCT
ajam-248	4	39	edo	edo	PROPN
ajam-248	4	40	state	state	PROPN
ajam-248	4	41	,	,	PUNCT
ajam-248	4	42	nigeria	nigeria	PROPN
ajam-248	4	43	.	.	PUNCT
ajam-248	5	1	e	e	X
ajam-248	5	2	-	-	NOUN
ajam-248	5	3	mail	mail	NOUN
ajam-248	5	4	:	:	PUNCT
ajam-248	5	5	ax4grace@yahoo.com	ax4grace@yahoo.com	X
ajam-248	5	6	accepted	accept	VERB
ajam-248	5	7	07	07	NUM
ajam-248	5	8	october	october	PROPN
ajam-248	5	9	,	,	PUNCT
ajam-248	5	10	2019	2019	NUM
ajam-248	5	11	the	the	DET
ajam-248	5	12	paper	paper	NOUN
ajam-248	5	13	examined	examine	VERB
ajam-248	5	14	the	the	DET
ajam-248	5	15	sustainability	sustainability	NOUN
ajam-248	5	16	rates	rate	NOUN
ajam-248	5	17	of	of	ADP
ajam-248	5	18	co	co	NOUN
ajam-248	5	19	-	-	NOUN
ajam-248	5	20	operatives	operative	NOUN
ajam-248	5	21	and	and	CCONJ
ajam-248	5	22	ngos	ngo	NOUN
ajam-248	5	23	in	in	ADP
ajam-248	5	24	farm	farm	NOUN
ajam-248	5	25	credit	credit	NOUN
ajam-248	5	26	delivery	delivery	NOUN
ajam-248	5	27	in	in	ADP
ajam-248	5	28	edo	edo	PROPN
ajam-248	5	29	and	and	CCONJ
ajam-248	5	30	delta	delta	PROPN
ajam-248	5	31	states	state	NOUN
ajam-248	5	32	of	of	ADP
ajam-248	5	33	nigeria	nigeria	PROPN
ajam-248	5	34	.	.	PUNCT
ajam-248	6	1	the	the	DET
ajam-248	6	2	subsidy	subsidy	NOUN
ajam-248	6	3	dependence	dependence	NOUN
ajam-248	6	4	indices	index	NOUN
ajam-248	6	5	(	(	PUNCT
ajam-248	6	6	sdi	sdi	X
ajam-248	6	7	)	)	PUNCT
ajam-248	6	8	and	and	CCONJ
ajam-248	6	9	the	the	DET
ajam-248	6	10	capital	capital	NOUN
ajam-248	6	11	formation	formation	NOUN
ajam-248	6	12	rates	rate	NOUN
ajam-248	6	13	were	be	AUX
ajam-248	6	14	determined	determine	VERB
ajam-248	6	15	using	use	VERB
ajam-248	6	16	both	both	CCONJ
ajam-248	6	17	primary	primary	ADJ
ajam-248	6	18	and	and	CCONJ
ajam-248	6	19	secondary	secondary	ADJ
ajam-248	6	20	data	datum	NOUN
ajam-248	6	21	obtained	obtain	VERB
ajam-248	6	22	from	from	ADP
ajam-248	6	23	80	80	NUM
ajam-248	6	24	and	and	CCONJ
ajam-248	6	25	20	20	NUM
ajam-248	6	26	purposively	purposively	ADV
ajam-248	6	27	selected	select	VERB
ajam-248	6	28	cooperatives	cooperative	NOUN
ajam-248	6	29	and	and	CCONJ
ajam-248	6	30	ngos	ngo	NOUN
ajam-248	6	31	respectively	respectively	ADV
ajam-248	6	32	,	,	PUNCT
ajam-248	6	33	based	base	VERB
ajam-248	6	34	on	on	ADP
ajam-248	6	35	their	their	PRON
ajam-248	6	36	involvement	involvement	NOUN
ajam-248	6	37	in	in	ADP
ajam-248	6	38	farm	farm	NOUN
ajam-248	6	39	credit	credit	NOUN
ajam-248	6	40	delivery	delivery	NOUN
ajam-248	6	41	.	.	PUNCT
ajam-248	7	1	a	a	DET
ajam-248	7	2	well	well	ADV
ajam-248	7	3	structured	structure	VERB
ajam-248	7	4	questionnaire	questionnaire	NOUN
ajam-248	7	5	was	be	AUX
ajam-248	7	6	used	use	VERB
ajam-248	7	7	to	to	PART
ajam-248	7	8	obtain	obtain	VERB
ajam-248	7	9	the	the	DET
ajam-248	7	10	primary	primary	ADJ
ajam-248	7	11	data	datum	NOUN
ajam-248	7	12	from	from	ADP
ajam-248	7	13	the	the	DET
ajam-248	7	14	100	100	NUM
ajam-248	7	15	organizations	organization	NOUN
ajam-248	7	16	selected	select	VERB
ajam-248	7	17	from	from	ADP
ajam-248	7	18	a	a	DET
ajam-248	7	19	comprehensive	comprehensive	ADJ
ajam-248	7	20	list	list	NOUN
ajam-248	7	21	from	from	ADP
ajam-248	7	22	the	the	DET
ajam-248	7	23	ministry	ministry	PROPN
ajam-248	7	24	of	of	ADP
ajam-248	7	25	commerce	commerce	PROPN
ajam-248	7	26	and	and	CCONJ
ajam-248	7	27	industry	industry	NOUN
ajam-248	7	28	as	as	ADV
ajam-248	7	29	well	well	ADV
ajam-248	7	30	as	as	ADP
ajam-248	7	31	corporate	corporate	ADJ
ajam-248	7	32	affairs	affair	NOUN
ajam-248	7	33	commission	commission	PROPN
ajam-248	7	34	.	.	PUNCT
ajam-248	8	1	both	both	DET
ajam-248	8	2	descriptive	descriptive	ADJ
ajam-248	8	3	and	and	CCONJ
ajam-248	8	4	quantitative	quantitative	ADJ
ajam-248	8	5	statistics	statistic	NOUN
ajam-248	8	6	as	as	ADV
ajam-248	8	7	well	well	ADV
ajam-248	8	8	as	as	ADP
ajam-248	8	9	financial	financial	ADJ
ajam-248	8	10	analysis	analysis	NOUN
ajam-248	8	11	were	be	AUX
ajam-248	8	12	employed	employ	VERB
ajam-248	8	13	in	in	ADP
ajam-248	8	14	analyzing	analyze	VERB
ajam-248	8	15	the	the	DET
ajam-248	8	16	data	datum	NOUN
ajam-248	8	17	.	.	PUNCT
ajam-248	9	1	the	the	DET
ajam-248	9	2	results	result	NOUN
ajam-248	9	3	showed	show	VERB
ajam-248	9	4	low	low	ADJ
ajam-248	9	5	capital	capital	NOUN
ajam-248	9	6	formation	formation	NOUN
ajam-248	9	7	rate	rate	NOUN
ajam-248	9	8	of	of	ADP
ajam-248	9	9	0.1815	0.1815	NUM
ajam-248	9	10	and	and	CCONJ
ajam-248	9	11	0.123	0.123	NUM
ajam-248	9	12	for	for	ADP
ajam-248	9	13	cooperatives	cooperative	NOUN
ajam-248	9	14	and	and	CCONJ
ajam-248	9	15	ngos	ngo	NOUN
ajam-248	9	16	respectively	respectively	ADV
ajam-248	9	17	.	.	PUNCT
ajam-248	10	1	cooperatives	cooperative	NOUN
ajam-248	10	2	had	have	VERB
ajam-248	10	3	zero	zero	NUM
ajam-248	10	4	sdi	sdi	NOUN
ajam-248	10	5	,	,	PUNCT
ajam-248	10	6	having	have	VERB
ajam-248	10	7	no	no	DET
ajam-248	10	8	subsidies	subsidy	NOUN
ajam-248	10	9	throughout	throughout	ADP
ajam-248	10	10	the	the	DET
ajam-248	10	11	period	period	NOUN
ajam-248	10	12	while	while	SCONJ
ajam-248	10	13	ngos	ngo	NOUN
ajam-248	10	14	had	have	VERB
ajam-248	10	15	an	an	DET
ajam-248	10	16	sdi	sdi	NOUN
ajam-248	10	17	of	of	ADP
ajam-248	10	18	0.7642	0.7642	NUM
ajam-248	10	19	which	which	PRON
ajam-248	10	20	is	be	AUX
ajam-248	10	21	considered	consider	VERB
ajam-248	10	22	too	too	ADV
ajam-248	10	23	high	high	ADJ
ajam-248	10	24	for	for	SCONJ
ajam-248	10	25	them	they	PRON
ajam-248	10	26	to	to	PART
ajam-248	10	27	sustain	sustain	VERB
ajam-248	10	28	the	the	DET
ajam-248	10	29	credit	credit	NOUN
ajam-248	10	30	delivery	delivery	NOUN
ajam-248	10	31	function	function	NOUN
ajam-248	10	32	on	on	ADP
ajam-248	10	33	the	the	DET
ajam-248	10	34	withdrawal	withdrawal	NOUN
ajam-248	10	35	of	of	ADP
ajam-248	10	36	subsidies	subsidy	NOUN
ajam-248	10	37	.	.	PUNCT
ajam-248	11	1	though	though	SCONJ
ajam-248	11	2	with	with	ADP
ajam-248	11	3	low	low	ADJ
ajam-248	11	4	loan	loan	NOUN
ajam-248	11	5	volumes	volume	NOUN
ajam-248	11	6	,	,	PUNCT
ajam-248	11	7	the	the	DET
ajam-248	11	8	study	study	NOUN
ajam-248	11	9	showed	show	VERB
ajam-248	11	10	cooperatives	cooperative	NOUN
ajam-248	11	11	more	more	ADV
ajam-248	11	12	likely	likely	ADJ
ajam-248	11	13	to	to	PART
ajam-248	11	14	sustain	sustain	VERB
ajam-248	11	15	the	the	DET
ajam-248	11	16	credit	credit	NOUN
ajam-248	11	17	delivery	delivery	NOUN
ajam-248	11	18	function	function	NOUN
ajam-248	11	19	than	than	ADP
ajam-248	11	20	the	the	DET
ajam-248	11	21	ngos	ngo	NOUN
ajam-248	11	22	,	,	PUNCT
ajam-248	11	23	but	but	CCONJ
ajam-248	11	24	they	they	PRON
ajam-248	11	25	may	may	AUX
ajam-248	11	26	need	need	VERB
ajam-248	11	27	to	to	PART
ajam-248	11	28	improve	improve	VERB
ajam-248	11	29	their	their	PRON
ajam-248	11	30	capital	capital	NOUN
ajam-248	11	31	formation	formation	NOUN
ajam-248	11	32	rate	rate	NOUN
ajam-248	11	33	.	.	PUNCT
ajam-248	12	1	key	key	ADJ
ajam-248	12	2	words	word	NOUN
ajam-248	12	3	:	:	PUNCT
ajam-248	12	4	sustainability	sustainability	NOUN
ajam-248	12	5	,	,	PUNCT
ajam-248	12	6	farm	farm	NOUN
ajam-248	12	7	credit	credit	NOUN
ajam-248	12	8	delivery	delivery	NOUN
ajam-248	12	9	,	,	PUNCT
ajam-248	12	10	cooperatives	cooperative	NOUN
ajam-248	12	11	,	,	PUNCT
ajam-248	12	12	ngos	ngos	PROPN
ajam-248	12	13	,	,	PUNCT
ajam-248	12	14	nigeria	nigeria	PROPN
ajam-248	12	15	.	.	PUNCT
ajam-248	13	1	introduction	introduction	NOUN
ajam-248	13	2	credit	credit	NOUN
ajam-248	13	3	is	be	AUX
ajam-248	13	4	considered	consider	VERB
ajam-248	13	5	as	as	ADP
ajam-248	13	6	a	a	DET
ajam-248	13	7	catalyst	catalyst	NOUN
ajam-248	13	8	that	that	PRON
ajam-248	13	9	activates	activate	VERB
ajam-248	13	10	other	other	ADJ
ajam-248	13	11	factors	factor	NOUN
ajam-248	13	12	of	of	ADP
ajam-248	13	13	production	production	NOUN
ajam-248	13	14	and	and	CCONJ
ajam-248	13	15	makes	make	VERB
ajam-248	13	16	under	under	ADV
ajam-248	13	17	-	-	PUNCT
ajam-248	13	18	used	use	VERB
ajam-248	13	19	capacities	capacity	NOUN
ajam-248	13	20	functional	functional	ADJ
ajam-248	13	21	for	for	ADP
ajam-248	13	22	increased	increase	VERB
ajam-248	13	23	production	production	NOUN
ajam-248	13	24	(	(	PUNCT
ajam-248	13	25	ijere	ijere	NOUN
ajam-248	13	26	,	,	PUNCT
ajam-248	13	27	1998	1998	NUM
ajam-248	13	28	)	)	PUNCT
ajam-248	13	29	.	.	PUNCT
ajam-248	14	1	thus	thus	ADV
ajam-248	14	2	farm	farm	NOUN
ajam-248	14	3	credit	credit	NOUN
ajam-248	14	4	plays	play	VERB
ajam-248	14	5	a	a	DET
ajam-248	14	6	crucial	crucial	ADJ
ajam-248	14	7	role	role	NOUN
ajam-248	14	8	in	in	ADP
ajam-248	14	9	agricultural	agricultural	ADJ
ajam-248	14	10	and	and	CCONJ
ajam-248	14	11	rural	rural	ADJ
ajam-248	14	12	development	development	NOUN
ajam-248	14	13	as	as	SCONJ
ajam-248	14	14	it	it	PRON
ajam-248	14	15	enables	enable	VERB
ajam-248	14	16	farmers	farmer	NOUN
ajam-248	14	17	reap	reap	VERB
ajam-248	14	18	economies	economy	NOUN
ajam-248	14	19	of	of	ADP
ajam-248	14	20	scale	scale	NOUN
ajam-248	14	21	,	,	PUNCT
ajam-248	14	22	venture	venture	NOUN
ajam-248	14	23	into	into	ADP
ajam-248	14	24	new	new	ADJ
ajam-248	14	25	fields	field	NOUN
ajam-248	14	26	of	of	ADP
ajam-248	14	27	production	production	NOUN
ajam-248	14	28	,	,	PUNCT
ajam-248	14	29	employ	employ	VERB
ajam-248	14	30	new	new	ADJ
ajam-248	14	31	technologies	technology	NOUN
ajam-248	14	32	and	and	CCONJ
ajam-248	14	33	empower	empower	VERB
ajam-248	14	34	them	they	PRON
ajam-248	14	35	to	to	PART
ajam-248	14	36	provide	provide	VERB
ajam-248	14	37	utilities	utility	NOUN
ajam-248	14	38	for	for	ADP
ajam-248	14	39	a	a	DET
ajam-248	14	40	widening	widen	VERB
ajam-248	14	41	market	market	NOUN
ajam-248	14	42	.	.	PUNCT
ajam-248	15	1	farm	farm	NOUN
ajam-248	15	2	credit	credit	NOUN
ajam-248	15	3	plays	play	VERB
ajam-248	15	4	this	this	DET
ajam-248	15	5	role	role	NOUN
ajam-248	15	6	because	because	SCONJ
ajam-248	15	7	it	it	PRON
ajam-248	15	8	bridges	bridge	VERB
ajam-248	15	9	the	the	DET
ajam-248	15	10	capital	capital	NOUN
ajam-248	15	11	gap	gap	NOUN
ajam-248	15	12	that	that	PRON
ajam-248	15	13	exists	exist	VERB
ajam-248	15	14	in	in	ADP
ajam-248	15	15	agricultural	agricultural	ADJ
ajam-248	15	16	production	production	NOUN
ajam-248	15	17	.	.	PUNCT
ajam-248	16	1	farm	farm	NOUN
ajam-248	16	2	credit	credit	NOUN
ajam-248	16	3	could	could	AUX
ajam-248	16	4	be	be	AUX
ajam-248	16	5	obtained	obtain	VERB
ajam-248	16	6	from	from	ADP
ajam-248	16	7	either	either	CCONJ
ajam-248	16	8	the	the	DET
ajam-248	16	9	formal	formal	ADJ
ajam-248	16	10	sources	source	NOUN
ajam-248	16	11	which	which	PRON
ajam-248	16	12	are	be	AUX
ajam-248	16	13	the	the	DET
ajam-248	16	14	commercial	commercial	ADJ
ajam-248	16	15	banks	bank	NOUN
ajam-248	16	16	and	and	CCONJ
ajam-248	16	17	government	government	NOUN
ajam-248	16	18	owned	own	VERB
ajam-248	16	19	institutions	institution	NOUN
ajam-248	16	20	,	,	PUNCT
ajam-248	16	21	or	or	CCONJ
ajam-248	16	22	the	the	DET
ajam-248	16	23	informal	informal	ADJ
ajam-248	16	24	sources	source	NOUN
ajam-248	16	25	which	which	PRON
ajam-248	16	26	are	be	AUX
ajam-248	16	27	the	the	DET
ajam-248	16	28	self	self	NOUN
ajam-248	16	29	-	-	PUNCT
ajam-248	16	30	help	help	NOUN
ajam-248	16	31	-	-	PUNCT
ajam-248	16	32	group	group	NOUN
ajam-248	16	33	(	(	PUNCT
ajam-248	16	34	shg	shg	PROPN
ajam-248	16	35	)	)	PUNCT
ajam-248	16	36	money	money	NOUN
ajam-248	16	37	lenders	lender	NOUN
ajam-248	16	38	,	,	PUNCT
ajam-248	16	39	cooperatives	cooperative	NOUN
ajam-248	16	40	and	and	CCONJ
ajam-248	16	41	non	non	ADJ
ajam-248	16	42	-	-	ADJ
ajam-248	16	43	governmental	governmental	ADJ
ajam-248	16	44	organization	organization	NOUN
ajam-248	16	45	(	(	PUNCT
ajam-248	16	46	ngos	ngo	NOUN
ajam-248	16	47	)	)	PUNCT
ajam-248	16	48	.	.	PUNCT
ajam-248	17	1	however	however	ADV
ajam-248	17	2	,	,	PUNCT
ajam-248	17	3	aryeetey	aryeetey	PROPN
ajam-248	17	4	(	(	PUNCT
ajam-248	17	5	1997	1997	NUM
ajam-248	17	6	)	)	PUNCT
ajam-248	17	7	,	,	PUNCT
ajam-248	17	8	stated	state	VERB
ajam-248	17	9	that	that	SCONJ
ajam-248	17	10	the	the	DET
ajam-248	17	11	informal	informal	ADJ
ajam-248	17	12	rural	rural	ADJ
ajam-248	17	13	financial	financial	ADJ
ajam-248	17	14	sources	source	NOUN
ajam-248	17	15	in	in	ADP
ajam-248	17	16	africa	africa	PROPN
ajam-248	17	17	perform	perform	VERB
ajam-248	17	18	better	well	ADV
ajam-248	17	19	than	than	ADP
ajam-248	17	20	the	the	DET
ajam-248	17	21	formal	formal	ADJ
ajam-248	17	22	system	system	NOUN
ajam-248	17	23	because	because	SCONJ
ajam-248	17	24	they	they	PRON
ajam-248	17	25	have	have	AUX
ajam-248	17	26	adapted	adapt	VERB
ajam-248	17	27	to	to	ADP
ajam-248	17	28	the	the	DET
ajam-248	17	29	high	high	ADJ
ajam-248	17	30	-	-	PUNCT
ajam-248	17	31	risk	risk	NOUN
ajam-248	17	32	environment	environment	NOUN
ajam-248	17	33	.	.	PUNCT
ajam-248	18	1	he	he	PRON
ajam-248	18	2	therefore	therefore	ADV
ajam-248	18	3	advised	advise	VERB
ajam-248	18	4	that	that	SCONJ
ajam-248	18	5	the	the	DET
ajam-248	18	6	formal	formal	ADJ
ajam-248	18	7	sector	sector	NOUN
ajam-248	18	8	should	should	AUX
ajam-248	18	9	learn	learn	VERB
ajam-248	18	10	from	from	ADP
ajam-248	18	11	the	the	DET
ajam-248	18	12	informal	informal	ADJ
ajam-248	18	13	institutions	institution	NOUN
ajam-248	18	14	.	.	PUNCT
ajam-248	19	1	subsequently	subsequently	ADV
ajam-248	19	2	,	,	PUNCT
ajam-248	19	3	the	the	DET
ajam-248	19	4	cooperatives	cooperative	NOUN
ajam-248	19	5	and	and	CCONJ
ajam-248	19	6	ngos	ngo	NOUN
ajam-248	19	7	which	which	PRON
ajam-248	19	8	are	be	AUX
ajam-248	19	9	formalized	formalize	VERB
ajam-248	19	10	informal	informal	ADJ
ajam-248	19	11	sources	source	NOUN
ajam-248	19	12	of	of	ADP
ajam-248	19	13	credit	credit	NOUN
ajam-248	19	14	in	in	ADP
ajam-248	19	15	both	both	CCONJ
ajam-248	19	16	rural	rural	ADJ
ajam-248	19	17	and	and	CCONJ
ajam-248	19	18	urban	urban	ADJ
ajam-248	19	19	sectors	sector	NOUN
ajam-248	19	20	are	be	AUX
ajam-248	19	21	being	be	AUX
ajam-248	19	22	considered	consider	VERB
ajam-248	19	23	as	as	ADP
ajam-248	19	24	more	more	ADV
ajam-248	19	25	credible	credible	ADJ
ajam-248	19	26	sources	source	NOUN
ajam-248	19	27	to	to	ADP
ajam-248	19	28	both	both	DET
ajam-248	19	29	farmers	farmer	NOUN
ajam-248	19	30	and	and	CCONJ
ajam-248	19	31	small	small	ADJ
ajam-248	19	32	scale	scale	NOUN
ajam-248	19	33	enterprises	enterprise	NOUN
ajam-248	19	34	.	.	PUNCT
ajam-248	20	1	nevertheless	nevertheless	ADV
ajam-248	20	2	,	,	PUNCT
ajam-248	20	3	these	these	DET
ajam-248	20	4	informal	informal	ADJ
ajam-248	20	5	institutions	institution	NOUN
ajam-248	20	6	do	do	AUX
ajam-248	20	7	not	not	PART
ajam-248	20	8	seem	seem	VERB
ajam-248	20	9	to	to	PART
ajam-248	20	10	be	be	AUX
ajam-248	20	11	fulfilling	fulfil	VERB
ajam-248	20	12	this	this	DET
ajam-248	20	13	obligation	obligation	NOUN
ajam-248	20	14	as	as	SCONJ
ajam-248	20	15	evidence	evidence	NOUN
ajam-248	20	16	still	still	ADV
ajam-248	20	17	abounds	abound	VERB
ajam-248	20	18	that	that	SCONJ
ajam-248	20	19	farmers	farmer	NOUN
ajam-248	20	20	are	be	AUX
ajam-248	20	21	still	still	ADV
ajam-248	20	22	in	in	ADP
ajam-248	20	23	dire	dire	ADJ
ajam-248	20	24	need	need	NOUN
ajam-248	20	25	of	of	ADP
ajam-248	20	26	adequate	adequate	ADJ
ajam-248	20	27	capital	capital	NOUN
ajam-248	20	28	,	,	PUNCT
ajam-248	20	29	oni	oni	PROPN
ajam-248	20	30	(	(	PUNCT
ajam-248	20	31	1999	1999	NUM
ajam-248	20	32	)	)	PUNCT
ajam-248	20	33	.	.	PUNCT
ajam-248	21	1	this	this	PRON
ajam-248	21	2	raises	raise	VERB
ajam-248	21	3	such	such	ADJ
ajam-248	21	4	questions	question	NOUN
ajam-248	21	5	as	as	ADP
ajam-248	21	6	whether	whether	SCONJ
ajam-248	21	7	these	these	DET
ajam-248	21	8	institutions	institution	NOUN
ajam-248	21	9	have	have	AUX
ajam-248	21	10	enough	enough	ADJ
ajam-248	21	11	loanable	loanable	ADJ
ajam-248	21	12	funds	fund	NOUN
ajam-248	21	13	to	to	PART
ajam-248	21	14	meet	meet	VERB
ajam-248	21	15	the	the	DET
ajam-248	21	16	needs	need	NOUN
ajam-248	21	17	of	of	ADP
ajam-248	21	18	applicants	applicant	NOUN
ajam-248	21	19	and	and	CCONJ
ajam-248	21	20	whether	whether	SCONJ
ajam-248	21	21	they	they	PRON
ajam-248	21	22	have	have	VERB
ajam-248	21	23	the	the	DET
ajam-248	21	24	ability	ability	NOUN
ajam-248	21	25	to	to	PART
ajam-248	21	26	sustain	sustain	VERB
ajam-248	21	27	the	the	DET
ajam-248	21	28	credit	credit	NOUN
ajam-248	21	29	delivery	delivery	NOUN
ajam-248	21	30	function	function	NOUN
ajam-248	21	31	in	in	ADP
ajam-248	21	32	terms	term	NOUN
ajam-248	21	33	of	of	ADP
ajam-248	21	34	capital	capital	NOUN
ajam-248	21	35	availability	availability	NOUN
ajam-248	21	36	.	.	PUNCT
ajam-248	22	1	this	this	DET
ajam-248	22	2	study	study	NOUN
ajam-248	22	3	is	be	AUX
ajam-248	22	4	therefore	therefore	ADV
ajam-248	22	5	designed	design	VERB
ajam-248	22	6	to	to	PART
ajam-248	22	7	assess	assess	VERB
ajam-248	22	8	and	and	CCONJ
ajam-248	22	9	compare	compare	VERB
ajam-248	22	10	the	the	DET
ajam-248	22	11	financial	financial	ADJ
ajam-248	22	12	ability	ability	NOUN
ajam-248	22	13	of	of	ADP
ajam-248	22	14	the	the	DET
ajam-248	22	15	cooperatives	cooperative	NOUN
ajam-248	22	16	and	and	CCONJ
ajam-248	22	17	ngos	ngo	NOUN
ajam-248	22	18	to	to	PART
ajam-248	22	19	sustain	sustain	VERB
ajam-248	22	20	the	the	DET
ajam-248	22	21	farm	farm	NOUN
ajam-248	22	22	credit	credit	NOUN
ajam-248	22	23	delivery	delivery	NOUN
ajam-248	22	24	function	function	NOUN
ajam-248	22	25	as	as	ADP
ajam-248	22	26	its	its	PRON
ajam-248	22	27	main	main	ADJ
ajam-248	22	28	objective	objective	NOUN
ajam-248	22	29	with	with	ADP
ajam-248	22	30	such	such	ADJ
ajam-248	22	31	specific	specific	ADJ
ajam-248	22	32	objectives	objective	NOUN
ajam-248	22	33	as	as	SCONJ
ajam-248	22	34	to	to	PART
ajam-248	22	35	identify	identify	VERB
ajam-248	22	36	their	their	PRON
ajam-248	22	37	sources	source	NOUN
ajam-248	22	38	of	of	ADP
ajam-248	22	39	loanable	loanable	ADJ
ajam-248	22	40	funds	fund	NOUN
ajam-248	22	41	,	,	PUNCT
ajam-248	22	42	examine	examine	VERB
ajam-248	22	43	their	their	PRON
ajam-248	22	44	volume	volume	NOUN
ajam-248	22	45	of	of	ADP
ajam-248	22	46	loanable	loanable	ADJ
ajam-248	22	47	funds	fund	NOUN
ajam-248	22	48	and	and	CCONJ
ajam-248	22	49	their	their	PRON
ajam-248	22	50	adequacy	adequacy	NOUN
ajam-248	22	51	,	,	PUNCT
ajam-248	22	52	examine	examine	VERB
ajam-248	22	53	their	their	PRON
ajam-248	22	54	degree	degree	NOUN
ajam-248	22	55	of	of	ADP
ajam-248	22	56	subsidy	subsidy	NOUN
ajam-248	22	57	dependence	dependence	NOUN
ajam-248	22	58	and	and	CCONJ
ajam-248	22	59	to	to	PART
ajam-248	22	60	estimate	estimate	VERB
ajam-248	22	61	their	their	PRON
ajam-248	22	62	capital	capital	NOUN
ajam-248	22	63	file:///c:\users\user\documents\republication\agricultural%20sciences\appdata\local\temp\www.internationalscholarsjournals.org	file:///c:\users\user\documents\republication\agricultural%20sciences\appdata\local\temp\www.internationalscholarsjournals.org	ADJ
ajam-248	22	64	formation	formation	NOUN
ajam-248	22	65	rates	rate	NOUN
ajam-248	22	66	.	.	PUNCT
ajam-248	23	1	though	though	SCONJ
ajam-248	23	2	the	the	DET
ajam-248	23	3	issue	issue	NOUN
ajam-248	23	4	of	of	ADP
ajam-248	23	5	self	self	NOUN
ajam-248	23	6	-	-	PUNCT
ajam-248	23	7	sustainability	sustainability	NOUN
ajam-248	23	8	and	and	CCONJ
ajam-248	23	9	how	how	SCONJ
ajam-248	23	10	to	to	PART
ajam-248	23	11	assess	assess	VERB
ajam-248	23	12	and	and	CCONJ
ajam-248	23	13	measure	measure	VERB
ajam-248	23	14	it	it	PRON
ajam-248	23	15	remains	remain	VERB
ajam-248	23	16	unclarified	unclarified	ADJ
ajam-248	23	17	especially	especially	ADV
ajam-248	23	18	with	with	ADP
ajam-248	23	19	the	the	DET
ajam-248	23	20	existence	existence	NOUN
ajam-248	23	21	of	of	ADP
ajam-248	23	22	explicit	explicit	ADJ
ajam-248	23	23	and	and	CCONJ
ajam-248	23	24	implicit	implicit	ADJ
ajam-248	23	25	subsidies	subsidy	NOUN
ajam-248	23	26	,	,	PUNCT
ajam-248	23	27	a	a	DET
ajam-248	23	28	development	development	NOUN
ajam-248	23	29	financial	financial	ADJ
ajam-248	23	30	institution	institution	NOUN
ajam-248	23	31	may	may	AUX
ajam-248	23	32	be	be	AUX
ajam-248	23	33	considered	consider	VERB
ajam-248	23	34	sustainable	sustainable	ADJ
ajam-248	23	35	if	if	SCONJ
ajam-248	23	36	it	it	PRON
ajam-248	23	37	is	be	AUX
ajam-248	23	38	able	able	ADJ
ajam-248	23	39	to	to	PART
ajam-248	23	40	maintain	maintain	VERB
ajam-248	23	41	its	its	PRON
ajam-248	23	42	lending	lending	NOUN
ajam-248	23	43	operations	operation	NOUN
ajam-248	23	44	with	with	ADP
ajam-248	23	45	a	a	DET
ajam-248	23	46	reasonable	reasonable	ADJ
ajam-248	23	47	profitability	profitability	NOUN
ajam-248	23	48	over	over	ADP
ajam-248	23	49	time	time	NOUN
ajam-248	23	50	(	(	PUNCT
ajam-248	23	51	yaron	yaron	PROPN
ajam-248	23	52	,	,	PUNCT
ajam-248	23	53	1992	1992	NUM
ajam-248	23	54	)	)	PUNCT
ajam-248	23	55	.	.	PUNCT
ajam-248	24	1	it	it	PRON
ajam-248	24	2	is	be	AUX
ajam-248	24	3	true	true	ADJ
ajam-248	24	4	that	that	SCONJ
ajam-248	24	5	financing	financing	NOUN
ajam-248	24	6	investments	investment	NOUN
ajam-248	24	7	depends	depend	VERB
ajam-248	24	8	seriously	seriously	ADV
ajam-248	24	9	on	on	ADP
ajam-248	24	10	access	access	NOUN
ajam-248	24	11	to	to	ADP
ajam-248	24	12	credit	credit	NOUN
ajam-248	24	13	facilities	facility	NOUN
ajam-248	24	14	and	and	CCONJ
ajam-248	24	15	most	most	ADJ
ajam-248	24	16	organizations	organization	NOUN
ajam-248	24	17	often	often	ADV
ajam-248	24	18	cover	cover	VERB
ajam-248	24	19	their	their	PRON
ajam-248	24	20	operating	operating	NOUN
ajam-248	24	21	costs	cost	NOUN
ajam-248	24	22	by	by	ADP
ajam-248	24	23	outside	outside	ADJ
ajam-248	24	24	aids	aids	PROPN
ajam-248	24	25	.	.	PUNCT
ajam-248	25	1	it	it	PRON
ajam-248	25	2	is	be	AUX
ajam-248	25	3	however	however	ADV
ajam-248	25	4	worth	worth	ADJ
ajam-248	25	5	noting	note	VERB
ajam-248	25	6	that	that	SCONJ
ajam-248	25	7	if	if	SCONJ
ajam-248	25	8	external	external	ADJ
ajam-248	25	9	aids	aid	NOUN
ajam-248	25	10	create	create	VERB
ajam-248	25	11	dependency	dependency	NOUN
ajam-248	25	12	,	,	PUNCT
ajam-248	25	13	and	and	CCONJ
ajam-248	25	14	development	development	NOUN
ajam-248	25	15	organizations	organization	NOUN
ajam-248	25	16	plan	plan	VERB
ajam-248	25	17	their	their	PRON
ajam-248	25	18	organisation	organisation	NOUN
ajam-248	25	19	’s	’s	PART
ajam-248	25	20	programmes	programme	NOUN
ajam-248	25	21	within	within	ADP
ajam-248	25	22	this	this	DET
ajam-248	25	23	dependency	dependency	NOUN
ajam-248	25	24	,	,	PUNCT
ajam-248	25	25	such	such	ADJ
ajam-248	25	26	organisations	organisation	NOUN
ajam-248	25	27	would	would	AUX
ajam-248	25	28	crumble	crumble	VERB
ajam-248	25	29	in	in	ADP
ajam-248	25	30	the	the	DET
ajam-248	25	31	extreme	extreme	ADJ
ajam-248	25	32	cases	case	NOUN
ajam-248	25	33	(	(	PUNCT
ajam-248	25	34	vincent	vincent	NOUN
ajam-248	25	35	1995	1995	NUM
ajam-248	25	36	)	)	PUNCT
ajam-248	25	37	.	.	PUNCT
ajam-248	26	1	in	in	ADP
ajam-248	26	2	line	line	NOUN
ajam-248	26	3	with	with	ADP
ajam-248	26	4	this	this	PRON
ajam-248	26	5	,	,	PUNCT
ajam-248	26	6	yaron	yaron	PROPN
ajam-248	26	7	(	(	PUNCT
ajam-248	26	8	1992	1992	NUM
ajam-248	26	9	)	)	PUNCT
ajam-248	26	10	stated	state	VERB
ajam-248	26	11	that	that	SCONJ
ajam-248	26	12	institutions	institution	NOUN
ajam-248	26	13	with	with	ADP
ajam-248	26	14	high	high	ADJ
ajam-248	26	15	financial	financial	ADJ
ajam-248	26	16	sustainability	sustainability	NOUN
ajam-248	26	17	are	be	AUX
ajam-248	26	18	said	say	VERB
ajam-248	26	19	to	to	PART
ajam-248	26	20	have	have	VERB
ajam-248	26	21	low	low	ADJ
ajam-248	26	22	subsidy	subsidy	NOUN
ajam-248	26	23	dependence	dependence	NOUN
ajam-248	26	24	index	index	NOUN
ajam-248	26	25	(	(	PUNCT
ajam-248	26	26	sdi	sdi	PROPN
ajam-248	26	27	)	)	PUNCT
ajam-248	26	28	,	,	PUNCT
ajam-248	26	29	this	this	PRON
ajam-248	26	30	was	be	AUX
ajam-248	26	31	supported	support	VERB
ajam-248	26	32	by	by	ADP
ajam-248	26	33	the	the	DET
ajam-248	26	34	observations	observation	NOUN
ajam-248	26	35	of	of	ADP
ajam-248	26	36	cgap	cgap	PROPN
ajam-248	26	37	(	(	PUNCT
ajam-248	26	38	1996	1996	NUM
ajam-248	26	39	)	)	PUNCT
ajam-248	26	40	,	,	PUNCT
ajam-248	26	41	and	and	CCONJ
ajam-248	26	42	maclsaac	maclsaac	ADJ
ajam-248	26	43	(	(	PUNCT
ajam-248	26	44	1996	1996	NUM
ajam-248	26	45	)	)	PUNCT
ajam-248	26	46	,	,	PUNCT
ajam-248	26	47	that	that	SCONJ
ajam-248	26	48	sustainability	sustainability	NOUN
ajam-248	26	49	appears	appear	VERB
ajam-248	26	50	to	to	PART
ajam-248	26	51	correlate	correlate	VERB
ajam-248	26	52	with	with	ADP
ajam-248	26	53	―best	―b	ADJ
ajam-248	26	54	practice‖	practice‖	NOUN
ajam-248	26	55	design	design	NOUN
ajam-248	26	56	features	feature	NOUN
ajam-248	26	57	such	such	ADJ
ajam-248	26	58	as	as	ADP
ajam-248	26	59	reasonable	reasonable	ADJ
ajam-248	26	60	interest	interest	NOUN
ajam-248	26	61	/	/	SYM
ajam-248	26	62	lending	lending	NOUN
ajam-248	26	63	rates	rate	NOUN
ajam-248	26	64	,	,	PUNCT
ajam-248	26	65	availability	availability	NOUN
ajam-248	26	66	of	of	ADP
ajam-248	26	67	voluntary	voluntary	ADJ
ajam-248	26	68	savings	saving	NOUN
ajam-248	26	69	facilities	facility	NOUN
ajam-248	26	70	,	,	PUNCT
ajam-248	26	71	frequency	frequency	NOUN
ajam-248	26	72	of	of	ADP
ajam-248	26	73	loan	loan	NOUN
ajam-248	26	74	collection	collection	NOUN
ajam-248	26	75	,	,	PUNCT
ajam-248	26	76	incentive	incentive	NOUN
ajam-248	26	77	materials	material	NOUN
ajam-248	26	78	for	for	ADP
ajam-248	26	79	borrowers	borrower	NOUN
ajam-248	26	80	and	and	CCONJ
ajam-248	26	81	lending	lending	NOUN
ajam-248	26	82	staff	staff	NOUN
ajam-248	26	83	,	,	PUNCT
ajam-248	26	84	as	as	ADV
ajam-248	26	85	well	well	ADV
ajam-248	26	86	as	as	ADP
ajam-248	26	87	high	high	ADJ
ajam-248	26	88	loan	loan	NOUN
ajam-248	26	89	repayment	repayment	NOUN
ajam-248	26	90	rates	rate	NOUN
ajam-248	26	91	.	.	PUNCT
ajam-248	27	1	managerial	managerial	ADJ
ajam-248	27	2	ability	ability	NOUN
ajam-248	27	3	to	to	PART
ajam-248	27	4	move	move	VERB
ajam-248	27	5	the	the	DET
ajam-248	27	6	organization	organization	NOUN
ajam-248	27	7	towards	towards	ADP
ajam-248	27	8	selfsustainability	selfsustainability	NOUN
ajam-248	27	9	is	be	AUX
ajam-248	27	10	therefore	therefore	ADV
ajam-248	27	11	an	an	DET
ajam-248	27	12	important	important	ADJ
ajam-248	27	13	task	task	NOUN
ajam-248	27	14	for	for	ADP
ajam-248	27	15	financial	financial	ADJ
ajam-248	27	16	institutions	institution	NOUN
ajam-248	27	17	.	.	PUNCT
ajam-248	28	1	though	though	SCONJ
ajam-248	28	2	the	the	DET
ajam-248	28	3	paucity	paucity	NOUN
ajam-248	28	4	of	of	ADP
ajam-248	28	5	literature	literature	NOUN
ajam-248	28	6	on	on	ADP
ajam-248	28	7	the	the	DET
ajam-248	28	8	argument	argument	NOUN
ajam-248	28	9	as	as	ADP
ajam-248	28	10	to	to	ADP
ajam-248	28	11	which	which	PRON
ajam-248	28	12	of	of	ADP
ajam-248	28	13	either	either	CCONJ
ajam-248	28	14	the	the	DET
ajam-248	28	15	cooperative	cooperative	ADJ
ajam-248	28	16	movement	movement	NOUN
ajam-248	28	17	or	or	CCONJ
ajam-248	28	18	the	the	DET
ajam-248	28	19	ngos	ngo	NOUN
ajam-248	28	20	has	have	VERB
ajam-248	28	21	demonstrable	demonstrable	ADJ
ajam-248	28	22	ability	ability	NOUN
ajam-248	28	23	to	to	PART
ajam-248	28	24	attain	attain	VERB
ajam-248	28	25	sustainability	sustainability	NOUN
ajam-248	28	26	in	in	ADP
ajam-248	28	27	loan	loan	NOUN
ajam-248	28	28	delivery	delivery	NOUN
ajam-248	28	29	is	be	AUX
ajam-248	28	30	still	still	ADV
ajam-248	28	31	of	of	ADP
ajam-248	28	32	serious	serious	ADJ
ajam-248	28	33	concern	concern	NOUN
ajam-248	28	34	to	to	ADP
ajam-248	28	35	researchers	researcher	NOUN
ajam-248	28	36	,	,	PUNCT
ajam-248	28	37	the	the	DET
ajam-248	28	38	world	world	PROPN
ajam-248	28	39	bank	bank	PROPN
ajam-248	28	40	(	(	PUNCT
ajam-248	28	41	1998	1998	NUM
ajam-248	28	42	)	)	PUNCT
ajam-248	28	43	asserted	assert	VERB
ajam-248	28	44	that	that	SCONJ
ajam-248	28	45	ngos	ngo	NOUN
ajam-248	28	46	and	and	CCONJ
ajam-248	28	47	indigenous	indigenous	ADJ
ajam-248	28	48	savings	saving	NOUN
ajam-248	28	49	and	and	CCONJ
ajam-248	28	50	credit	credit	NOUN
ajam-248	28	51	schemes	scheme	NOUN
ajam-248	28	52	frequently	frequently	ADV
ajam-248	28	53	suffer	suffer	VERB
ajam-248	28	54	from	from	ADP
ajam-248	28	55	lack	lack	NOUN
ajam-248	28	56	of	of	ADP
ajam-248	28	57	sustainability	sustainability	NOUN
ajam-248	28	58	because	because	SCONJ
ajam-248	28	59	of	of	ADP
ajam-248	28	60	their	their	PRON
ajam-248	28	61	welfare	welfare	NOUN
ajam-248	28	62	orientation	orientation	NOUN
ajam-248	28	63	,	,	PUNCT
ajam-248	28	64	small	small	ADJ
ajam-248	28	65	scale	scale	NOUN
ajam-248	28	66	,	,	PUNCT
ajam-248	28	67	low	low	ADJ
ajam-248	28	68	absorptive	absorptive	ADJ
ajam-248	28	69	capacity	capacity	NOUN
ajam-248	28	70	and	and	CCONJ
ajam-248	28	71	lack	lack	NOUN
ajam-248	28	72	of	of	ADP
ajam-248	28	73	exposure	exposure	NOUN
ajam-248	28	74	to	to	ADP
ajam-248	28	75	international	international	ADJ
ajam-248	28	76	best	good	ADJ
ajam-248	28	77	practices	practice	NOUN
ajam-248	28	78	.	.	PUNCT
ajam-248	29	1	as	as	SCONJ
ajam-248	29	2	government	government	NOUN
ajam-248	29	3	seeks	seek	VERB
ajam-248	29	4	the	the	DET
ajam-248	29	5	best	good	ADJ
ajam-248	29	6	possible	possible	ADJ
ajam-248	29	7	micro	micro	ADJ
ajam-248	29	8	-	-	ADJ
ajam-248	29	9	finance	finance	ADJ
ajam-248	29	10	institutions	institution	NOUN
ajam-248	29	11	through	through	ADP
ajam-248	29	12	which	which	PRON
ajam-248	29	13	credit	credit	NOUN
ajam-248	29	14	could	could	AUX
ajam-248	29	15	be	be	AUX
ajam-248	29	16	channeled	channel	VERB
ajam-248	29	17	to	to	ADP
ajam-248	29	18	farmers	farmer	NOUN
ajam-248	29	19	for	for	ADP
ajam-248	29	20	sustainable	sustainable	ADJ
ajam-248	29	21	agricultural	agricultural	ADJ
ajam-248	29	22	development	development	NOUN
ajam-248	29	23	,	,	PUNCT
ajam-248	29	24	such	such	ADJ
ajam-248	29	25	microfinance	microfinance	NOUN
ajam-248	29	26	institutions	institution	NOUN
ajam-248	29	27	must	must	AUX
ajam-248	29	28	also	also	ADV
ajam-248	29	29	be	be	AUX
ajam-248	29	30	sustainable	sustainable	ADJ
ajam-248	29	31	to	to	PART
ajam-248	29	32	deliver	deliver	VERB
ajam-248	29	33	the	the	DET
ajam-248	29	34	goods	good	NOUN
ajam-248	29	35	.	.	PUNCT
ajam-248	30	1	this	this	DET
ajam-248	30	2	study	study	NOUN
ajam-248	30	3	therefore	therefore	ADV
ajam-248	30	4	looks	look	VERB
ajam-248	30	5	at	at	ADP
ajam-248	30	6	the	the	DET
ajam-248	30	7	ability	ability	NOUN
ajam-248	30	8	of	of	ADP
ajam-248	30	9	the	the	DET
ajam-248	30	10	cooperatives	cooperative	NOUN
ajam-248	30	11	and	and	CCONJ
ajam-248	30	12	the	the	DET
ajam-248	30	13	ngos	ngo	NOUN
ajam-248	30	14	to	to	PART
ajam-248	30	15	sustain	sustain	VERB
ajam-248	30	16	this	this	DET
ajam-248	30	17	all	all	DET
ajam-248	30	18	important	important	ADJ
ajam-248	30	19	function	function	NOUN
ajam-248	30	20	compare	compare	VERB
ajam-248	30	21	them	they	PRON
ajam-248	30	22	and	and	CCONJ
ajam-248	30	23	advise	advise	VERB
ajam-248	30	24	on	on	ADP
ajam-248	30	25	options	option	NOUN
ajam-248	30	26	for	for	ADP
ajam-248	30	27	the	the	DET
ajam-248	30	28	achievement	achievement	NOUN
ajam-248	30	29	of	of	ADP
ajam-248	30	30	the	the	DET
ajam-248	30	31	selfsufficiency	selfsufficiency	NOUN
ajam-248	30	32	policy	policy	NOUN
ajam-248	30	33	in	in	ADP
ajam-248	30	34	food	food	NOUN
ajam-248	30	35	production	production	NOUN
ajam-248	30	36	in	in	ADP
ajam-248	30	37	nigeria	nigeria	PROPN
ajam-248	30	38	.	.	PUNCT
ajam-248	31	1	methodology	methodology	NOUN
ajam-248	31	2	the	the	DET
ajam-248	31	3	study	study	NOUN
ajam-248	31	4	was	be	AUX
ajam-248	31	5	carried	carry	VERB
ajam-248	31	6	out	out	ADP
ajam-248	31	7	in	in	ADP
ajam-248	31	8	edo	edo	PROPN
ajam-248	31	9	and	and	CCONJ
ajam-248	31	10	delta	delta	PROPN
ajam-248	31	11	states	state	NOUN
ajam-248	31	12	of	of	ADP
ajam-248	31	13	nigeria	nigeria	PROPN
ajam-248	31	14	,	,	PUNCT
ajam-248	31	15	an	an	DET
ajam-248	31	16	area	area	NOUN
ajam-248	31	17	where	where	SCONJ
ajam-248	31	18	agricultural	agricultural	ADJ
ajam-248	31	19	production	production	NOUN
ajam-248	31	20	is	be	AUX
ajam-248	31	21	the	the	DET
ajam-248	31	22	mainstay	mainstay	NOUN
ajam-248	31	23	of	of	ADP
ajam-248	31	24	the	the	DET
ajam-248	31	25	citizens	citizen	NOUN
ajam-248	31	26	.	.	PUNCT
ajam-248	32	1	seven	seven	NUM
ajam-248	32	2	local	local	ADJ
ajam-248	32	3	government	government	NOUN
ajam-248	32	4	areas	area	NOUN
ajam-248	32	5	from	from	ADP
ajam-248	32	6	edo	edo	PROPN
ajam-248	32	7	state	state	NOUN
ajam-248	32	8	and	and	CCONJ
ajam-248	32	9	nine	nine	NUM
ajam-248	32	10	from	from	ADP
ajam-248	32	11	delta	delta	NOUN
ajam-248	32	12	were	be	AUX
ajam-248	32	13	purposively	purposively	ADV
ajam-248	32	14	selected	select	VERB
ajam-248	32	15	for	for	ADP
ajam-248	32	16	the	the	DET
ajam-248	32	17	study	study	NOUN
ajam-248	32	18	due	due	ADP
ajam-248	32	19	to	to	ADP
ajam-248	32	20	the	the	DET
ajam-248	32	21	preponderance	preponderance	NOUN
ajam-248	32	22	of	of	ADP
ajam-248	32	23	ngos	ngo	NOUN
ajam-248	32	24	and	and	CCONJ
ajam-248	32	25	cooperatives	cooperative	NOUN
ajam-248	32	26	in	in	ADP
ajam-248	32	27	the	the	DET
ajam-248	32	28	area	area	NOUN
ajam-248	32	29	compared	compare	VERB
ajam-248	32	30	to	to	ADP
ajam-248	32	31	other	other	ADJ
ajam-248	32	32	parts	part	NOUN
ajam-248	32	33	of	of	ADP
ajam-248	32	34	the	the	DET
ajam-248	32	35	states	state	NOUN
ajam-248	32	36	.	.	PUNCT
ajam-248	33	1	a	a	DET
ajam-248	33	2	total	total	NOUN
ajam-248	33	3	of	of	ADP
ajam-248	33	4	twenty	twenty	NUM
ajam-248	33	5	ngos	ngo	NOUN
ajam-248	33	6	and	and	CCONJ
ajam-248	33	7	eighty	eighty	NUM
ajam-248	33	8	cooperative	cooperative	ADJ
ajam-248	33	9	societies	society	NOUN
ajam-248	33	10	involved	involve	VERB
ajam-248	33	11	in	in	ADP
ajam-248	33	12	farm	farm	NOUN
ajam-248	33	13	credit	credit	NOUN
ajam-248	33	14	delivery	delivery	NOUN
ajam-248	33	15	were	be	AUX
ajam-248	33	16	purposively	purposively	ADV
ajam-248	33	17	selected	select	VERB
ajam-248	33	18	from	from	ADP
ajam-248	33	19	the	the	DET
ajam-248	33	20	list	list	NOUN
ajam-248	33	21	obtained	obtain	VERB
ajam-248	33	22	from	from	ADP
ajam-248	33	23	the	the	DET
ajam-248	33	24	state	state	NOUN
ajam-248	33	25	ministries	ministry	NOUN
ajam-248	33	26	of	of	ADP
ajam-248	33	27	commerce	commerce	NOUN
ajam-248	33	28	and	and	CCONJ
ajam-248	33	29	industry	industry	NOUN
ajam-248	33	30	and	and	CCONJ
ajam-248	33	31	corporate	corporate	ADJ
ajam-248	33	32	affairs	affair	NOUN
ajam-248	33	33	commission	commission	PROPN
ajam-248	33	34	.	.	PUNCT
ajam-248	34	1	primary	primary	ADJ
ajam-248	34	2	data	datum	NOUN
ajam-248	34	3	were	be	AUX
ajam-248	34	4	obtained	obtain	VERB
ajam-248	34	5	through	through	ADP
ajam-248	34	6	the	the	DET
ajam-248	34	7	use	use	NOUN
ajam-248	34	8	of	of	ADP
ajam-248	34	9	a	a	DET
ajam-248	34	10	structured	structured	ADJ
ajam-248	34	11	questionnaire	questionnaire	NOUN
ajam-248	34	12	administered	administer	VERB
ajam-248	34	13	through	through	ADP
ajam-248	34	14	personal	personal	ADJ
ajam-248	34	15	interview	interview	NOUN
ajam-248	34	16	while	while	SCONJ
ajam-248	34	17	the	the	DET
ajam-248	34	18	secondary	secondary	ADJ
ajam-248	34	19	data	datum	NOUN
ajam-248	34	20	were	be	AUX
ajam-248	34	21	obtained	obtain	VERB
ajam-248	34	22	from	from	ADP
ajam-248	34	23	the	the	DET
ajam-248	34	24	annual	annual	ADJ
ajam-248	34	25	reports	report	NOUN
ajam-248	34	26	and	and	CCONJ
ajam-248	34	27	monthly	monthly	ADJ
ajam-248	34	28	records	record	NOUN
ajam-248	34	29	of	of	ADP
ajam-248	34	30	the	the	DET
ajam-248	34	31	institutions	institution	NOUN
ajam-248	34	32	.	.	PUNCT
ajam-248	35	1	three	three	NUM
ajam-248	35	2	analytical	analytical	ADJ
ajam-248	35	3	techniques	technique	NOUN
ajam-248	35	4	were	be	AUX
ajam-248	35	5	adopted	adopt	VERB
ajam-248	35	6	in	in	ADP
ajam-248	35	7	this	this	DET
ajam-248	35	8	study	study	NOUN
ajam-248	35	9	;	;	PUNCT
ajam-248	35	10	—	—	PUNCT
ajam-248	35	11	the	the	DET
ajam-248	35	12	use	use	NOUN
ajam-248	35	13	of	of	ADP
ajam-248	35	14	descriptive	descriptive	ADJ
ajam-248	35	15	statistics	statistic	NOUN
ajam-248	35	16	involving	involve	VERB
ajam-248	35	17	means	mean	NOUN
ajam-248	35	18	,	,	PUNCT
ajam-248	35	19	percentages	percentage	NOUN
ajam-248	35	20	and	and	CCONJ
ajam-248	35	21	frequency	frequency	NOUN
ajam-248	35	22	counts	count	NOUN
ajam-248	35	23	—	—	PUNCT
ajam-248	35	24	some	some	DET
ajam-248	35	25	measures	measure	NOUN
ajam-248	35	26	of	of	ADP
ajam-248	35	27	financial	financial	ADJ
ajam-248	35	28	analysis	analysis	NOUN
ajam-248	35	29	which	which	PRON
ajam-248	35	30	involved	involve	VERB
ajam-248	35	31	the	the	DET
ajam-248	35	32	computation	computation	NOUN
ajam-248	35	33	of	of	ADP
ajam-248	35	34	subsidy	subsidy	NOUN
ajam-248	35	35	dependence	dependence	NOUN
ajam-248	35	36	index	index	NOUN
ajam-248	35	37	(	(	PUNCT
ajam-248	35	38	sdi	sdi	PROPN
ajam-248	35	39	)	)	PUNCT
ajam-248	35	40	for	for	ADP
ajam-248	35	41	both	both	DET
ajam-248	35	42	institutions	institution	NOUN
ajam-248	35	43	in	in	ADP
ajam-248	35	44	line	line	NOUN
ajam-248	35	45	with	with	ADP
ajam-248	35	46	yaron	yaron	PROPN
ajam-248	35	47	(	(	PUNCT
ajam-248	35	48	1997	1997	NUM
ajam-248	35	49	)	)	PUNCT
ajam-248	35	50	.	.	PUNCT
ajam-248	36	1	—	—	PUNCT
ajam-248	36	2	the	the	DET
ajam-248	36	3	use	use	NOUN
ajam-248	36	4	of	of	ADP
ajam-248	36	5	some	some	DET
ajam-248	36	6	quantitative	quantitative	ADJ
ajam-248	36	7	techniques	technique	NOUN
ajam-248	36	8	,	,	PUNCT
ajam-248	36	9	inferential	inferential	ADJ
ajam-248	36	10	statistics	statistic	NOUN
ajam-248	36	11	and	and	CCONJ
ajam-248	36	12	the	the	DET
ajam-248	36	13	calculation	calculation	NOUN
ajam-248	36	14	of	of	ADP
ajam-248	36	15	capital	capital	NOUN
ajam-248	36	16	formation	formation	NOUN
ajam-248	36	17	rates	rate	NOUN
ajam-248	36	18	.	.	PUNCT
ajam-248	37	1	the	the	DET
ajam-248	37	2	sdi	sdi	PROPN
ajam-248	37	3	model	model	NOUN
ajam-248	37	4	the	the	DET
ajam-248	37	5	computation	computation	NOUN
ajam-248	37	6	of	of	ADP
ajam-248	37	7	the	the	DET
ajam-248	37	8	sdi	sdi	PROPN
ajam-248	37	9	was	be	AUX
ajam-248	37	10	based	base	VERB
ajam-248	37	11	on	on	ADP
ajam-248	37	12	yaron	yaron	PROPN
ajam-248	37	13	(	(	PUNCT
ajam-248	37	14	1997	1997	NUM
ajam-248	37	15	)	)	PUNCT
ajam-248	37	16	given	give	VERB
ajam-248	37	17	as	as	ADP
ajam-248	37	18	sdi=	sdi=	PROPN
ajam-248	37	19	s	s	VERB
ajam-248	37	20	lp	lp	NOUN
ajam-248	37	21	.	.	PUNCT
ajam-248	38	1	n	n	CCONJ
ajam-248	38	2	where	where	SCONJ
ajam-248	38	3	s	s	VERB
ajam-248	38	4	=	=	SYM
ajam-248	38	5	annual	annual	ADJ
ajam-248	38	6	subsidy	subsidy	NOUN
ajam-248	38	7	received	receive	VERB
ajam-248	38	8	by	by	ADP
ajam-248	38	9	each	each	DET
ajam-248	38	10	organization	organization	NOUN
ajam-248	38	11	calculated	calculate	VERB
ajam-248	38	12	from	from	ADP
ajam-248	38	13	s	s	NOUN
ajam-248	38	14	=	=	PUNCT
ajam-248	38	15	a	a	DET
ajam-248	38	16	(	(	PUNCT
ajam-248	38	17	m	m	NOUN
ajam-248	38	18	-	-	NOUN
ajam-248	38	19	c	c	NOUN
ajam-248	38	20	)	)	PUNCT
ajam-248	39	1	+	+	CCONJ
ajam-248	40	1	[	[	X
ajam-248	40	2	(	(	PUNCT
ajam-248	40	3	e.m	e.m	NOUN
ajam-248	40	4	)	)	PUNCT
ajam-248	40	5	–	–	PUNCT
ajam-248	40	6	p	p	X
ajam-248	40	7	]	]	X
ajam-248	40	8	+	+	CCONJ
ajam-248	40	9	k	k	X
ajam-248	40	10	where	where	SCONJ
ajam-248	40	11	a	a	DET
ajam-248	40	12	=	=	PROPN
ajam-248	40	13	organization	organization	NOUN
ajam-248	40	14	’s	’s	PART
ajam-248	40	15	concessional	concessional	ADJ
ajam-248	40	16	borrowed	borrow	VERB
ajam-248	40	17	funds	fund	NOUN
ajam-248	40	18	outstanding	outstanding	ADJ
ajam-248	40	19	(	(	PUNCT
ajam-248	40	20	annual	annual	ADJ
ajam-248	40	21	average	average	ADJ
ajam-248	40	22	no	no	DET
ajam-248	40	23	differentiation	differentiation	NOUN
ajam-248	40	24	between	between	ADP
ajam-248	40	25	long	long	ADJ
ajam-248	40	26	or	or	CCONJ
ajam-248	40	27	short	short	ADJ
ajam-248	40	28	term	term	NOUN
ajam-248	40	29	loans	loan	NOUN
ajam-248	40	30	)	)	PUNCT
ajam-248	40	31	m	m	PROPN
ajam-248	40	32	=	=	NOUN
ajam-248	40	33	interest	interest	NOUN
ajam-248	40	34	rate	rate	NOUN
ajam-248	40	35	the	the	DET
ajam-248	40	36	organization	organization	NOUN
ajam-248	40	37	would	would	AUX
ajam-248	40	38	be	be	AUX
ajam-248	40	39	assumed	assume	VERB
ajam-248	40	40	to	to	PART
ajam-248	40	41	pay	pay	VERB
ajam-248	40	42	for	for	ADP
ajam-248	40	43	borrowed	borrow	VERB
ajam-248	40	44	funds	fund	NOUN
ajam-248	40	45	if	if	SCONJ
ajam-248	40	46	access	access	NOUN
ajam-248	40	47	to	to	ADP
ajam-248	40	48	concessional	concessional	ADJ
ajam-248	40	49	funds	fund	NOUN
ajam-248	40	50	were	be	AUX
ajam-248	40	51	eliminated	eliminate	VERB
ajam-248	40	52	.	.	PUNCT
ajam-248	41	1	c	c	NOUN
ajam-248	42	1	=	=	PUNCT
ajam-248	42	2	average	average	ADJ
ajam-248	42	3	annual	annual	ADJ
ajam-248	42	4	concessional	concessional	ADJ
ajam-248	42	5	rate	rate	NOUN
ajam-248	42	6	of	of	ADP
ajam-248	42	7	interest	interest	NOUN
ajam-248	42	8	actually	actually	ADV
ajam-248	42	9	paid	pay	VERB
ajam-248	42	10	by	by	ADP
ajam-248	42	11	the	the	DET
ajam-248	42	12	organization	organization	NOUN
ajam-248	42	13	on	on	ADP
ajam-248	42	14	its	its	PRON
ajam-248	42	15	average	average	ADJ
ajam-248	42	16	annual	annual	ADJ
ajam-248	42	17	outstanding	outstanding	ADJ
ajam-248	42	18	concessional	concessional	ADJ
ajam-248	42	19	borrowed	borrow	VERB
ajam-248	42	20	fund	fund	NOUN
ajam-248	42	21	.	.	PUNCT
ajam-248	43	1	e	e	NOUN
ajam-248	44	1	=	=	PUNCT
ajam-248	44	2	average	average	ADJ
ajam-248	44	3	annual	annual	ADJ
ajam-248	44	4	equity	equity	NOUN
ajam-248	44	5	of	of	ADP
ajam-248	44	6	the	the	DET
ajam-248	44	7	organization	organization	NOUN
ajam-248	44	8	.	.	PUNCT
ajam-248	45	1	p	p	X
ajam-248	46	1	=	=	PRON
ajam-248	46	2	reported	report	VERB
ajam-248	46	3	annual	annual	ADJ
ajam-248	46	4	profit	profit	NOUN
ajam-248	46	5	(	(	PUNCT
ajam-248	46	6	adjusted	adjust	VERB
ajam-248	46	7	for	for	ADP
ajam-248	46	8	loan	loan	NOUN
ajam-248	46	9	loss	loss	NOUN
ajam-248	46	10	provisions	provision	NOUN
ajam-248	46	11	and	and	CCONJ
ajam-248	46	12	inflation	inflation	NOUN
ajam-248	46	13	)	)	PUNCT
ajam-248	46	14	.	.	PUNCT
ajam-248	47	1	k	k	X
ajam-248	48	1	=	=	PUNCT
ajam-248	48	2	the	the	DET
ajam-248	48	3	sum	sum	NOUN
ajam-248	48	4	of	of	ADP
ajam-248	48	5	all	all	DET
ajam-248	48	6	other	other	ADJ
ajam-248	48	7	types	type	NOUN
ajam-248	48	8	of	of	ADP
ajam-248	48	9	annual	annual	ADJ
ajam-248	48	10	subsidies	subsidy	NOUN
ajam-248	48	11	received	receive	VERB
ajam-248	48	12	by	by	ADP
ajam-248	48	13	the	the	DET
ajam-248	48	14	organization	organization	NOUN
ajam-248	48	15	(	(	PUNCT
ajam-248	48	16	such	such	ADJ
ajam-248	48	17	as	as	ADP
ajam-248	48	18	partial	partial	ADJ
ajam-248	48	19	or	or	CCONJ
ajam-248	48	20	complete	complete	ADJ
ajam-248	48	21	coverage	coverage	NOUN
ajam-248	48	22	of	of	ADP
ajam-248	48	23	the	the	DET
ajam-248	48	24	organization	organization	NOUN
ajam-248	48	25	’s	’s	PART
ajam-248	48	26	operational	operational	ADJ
ajam-248	48	27	costs	cost	NOUN
ajam-248	48	28	by	by	ADP
ajam-248	48	29	the	the	DET
ajam-248	48	30	state	state	NOUN
ajam-248	48	31	or	or	CCONJ
ajam-248	48	32	federal	federal	ADJ
ajam-248	48	33	governments	government	NOUN
ajam-248	48	34	)	)	PUNCT
ajam-248	48	35	.	.	PUNCT
ajam-248	49	1	lp	lp	NOUN
ajam-248	50	1	=	=	PUNCT
ajam-248	50	2	average	average	ADJ
ajam-248	50	3	annual	annual	ADJ
ajam-248	50	4	outstanding	outstanding	ADJ
ajam-248	50	5	loan	loan	NOUN
ajam-248	50	6	portfolio	portfolio	NOUN
ajam-248	50	7	of	of	ADP
ajam-248	50	8	the	the	DET
ajam-248	50	9	organization	organization	NOUN
ajam-248	50	10	n	n	NOUN
ajam-248	50	11	=	=	PUNCT
ajam-248	50	12	average	average	ADJ
ajam-248	50	13	on	on	ADP
ajam-248	50	14	–	–	PUNCT
ajam-248	50	15	lending	lend	VERB
ajam-248	50	16	interest	interest	NOUN
ajam-248	50	17	rate	rate	NOUN
ajam-248	50	18	of	of	ADP
ajam-248	50	19	the	the	DET
ajam-248	50	20	organization	organization	NOUN
ajam-248	50	21	.	.	PUNCT
ajam-248	51	1	the	the	DET
ajam-248	51	2	financial	financial	ADJ
ajam-248	51	3	ratio	ratio	NOUN
ajam-248	51	4	(	(	PUNCT
ajam-248	51	5	sdi	sdi	PROPN
ajam-248	51	6	)	)	PUNCT
ajam-248	51	7	gives	give	VERB
ajam-248	51	8	a	a	DET
ajam-248	51	9	measure	measure	NOUN
ajam-248	51	10	of	of	ADP
ajam-248	51	11	the	the	DET
ajam-248	51	12	level	level	NOUN
ajam-248	51	13	of	of	ADP
ajam-248	51	14	financial	financial	ADJ
ajam-248	51	15	self	self	NOUN
ajam-248	51	16	sustainability	sustainability	NOUN
ajam-248	51	17	of	of	ADP
ajam-248	51	18	the	the	DET
ajam-248	51	19	microfinance	microfinance	NOUN
ajam-248	51	20	organizations	organization	NOUN
ajam-248	51	21	.	.	PUNCT
ajam-248	52	1	the	the	DET
ajam-248	52	2	subsidy	subsidy	NOUN
ajam-248	52	3	dependence	dependence	NOUN
ajam-248	52	4	index	index	NOUN
ajam-248	52	5	(	(	PUNCT
ajam-248	52	6	sdi	sdi	PROPN
ajam-248	52	7	)	)	PUNCT
ajam-248	52	8	assesses	assesse	NOUN
ajam-248	52	9	and	and	CCONJ
ajam-248	52	10	quantifies	quantifie	NOUN
ajam-248	52	11	subsidy	subsidy	NOUN
ajam-248	52	12	dependence	dependence	NOUN
ajam-248	52	13	of	of	ADP
ajam-248	52	14	a	a	DET
ajam-248	52	15	financial	financial	ADJ
ajam-248	52	16	organization	organization	NOUN
ajam-248	52	17	which	which	PRON
ajam-248	52	18	is	be	AUX
ajam-248	52	19	a	a	DET
ajam-248	52	20	measure	measure	NOUN
ajam-248	52	21	of	of	ADP
ajam-248	52	22	self	self	NOUN
ajam-248	52	23	sustainability	sustainability	NOUN
ajam-248	52	24	.	.	PUNCT
ajam-248	53	1	an	an	DET
ajam-248	53	2	sdi	sdi	PROPN
ajam-248	53	3	of	of	ADP
ajam-248	53	4	zero	zero	NUM
ajam-248	53	5	means	mean	VERB
ajam-248	53	6	the	the	DET
ajam-248	53	7	financial	financial	ADJ
ajam-248	53	8	institution	institution	NOUN
ajam-248	53	9	achieved	achieve	VERB
ajam-248	53	10	full	full	ADJ
ajam-248	53	11	self	self	NOUN
ajam-248	53	12	-	-	PUNCT
ajam-248	53	13	sustainability	sustainability	NOUN
ajam-248	53	14	.	.	PUNCT
ajam-248	54	1	an	an	DET
ajam-248	54	2	sdi	sdi	PROPN
ajam-248	54	3	of	of	ADP
ajam-248	54	4	100	100	NUM
ajam-248	54	5	%	%	NOUN
ajam-248	54	6	indicates	indicate	VERB
ajam-248	54	7	that	that	SCONJ
ajam-248	54	8	the	the	DET
ajam-248	54	9	institution	institution	NOUN
ajam-248	54	10	can	can	AUX
ajam-248	54	11	not	not	PART
ajam-248	54	12	sustain	sustain	VERB
ajam-248	54	13	itself	itself	PRON
ajam-248	54	14	without	without	ADP
ajam-248	54	15	subsidies	subsidy	NOUN
ajam-248	54	16	and	and	CCONJ
ajam-248	54	17	that	that	SCONJ
ajam-248	54	18	a	a	DET
ajam-248	54	19	doubling	doubling	NOUN
ajam-248	54	20	of	of	ADP
ajam-248	54	21	the	the	DET
ajam-248	54	22	average	average	ADJ
ajam-248	54	23	onlending	onlende	VERB
ajam-248	54	24	interest	interest	NOUN
ajam-248	54	25	rate	rate	NOUN
ajam-248	54	26	is	be	AUX
ajam-248	54	27	required	require	VERB
ajam-248	54	28	if	if	SCONJ
ajam-248	54	29	subsidies	subsidy	NOUN
ajam-248	54	30	are	be	AUX
ajam-248	54	31	to	to	PART
ajam-248	54	32	be	be	AUX
ajam-248	54	33	eliminated	eliminate	VERB
ajam-248	54	34	.	.	PUNCT
ajam-248	55	1	a	a	DET
ajam-248	55	2	negative	negative	ADJ
ajam-248	55	3	sdi	sdi	PROPN
ajam-248	55	4	indicates	indicate	VERB
ajam-248	55	5	that	that	SCONJ
ajam-248	55	6	a	a	DET
ajam-248	55	7	financial	financial	ADJ
ajam-248	55	8	institution	institution	NOUN
ajam-248	55	9	not	not	PART
ajam-248	55	10	only	only	ADV
ajam-248	55	11	fully	fully	ADV
ajam-248	55	12	achieved	achieve	VERB
ajam-248	55	13	selfsustainability	selfsustainability	NOUN
ajam-248	55	14	but	but	CCONJ
ajam-248	55	15	that	that	SCONJ
ajam-248	55	16	its	its	PRON
ajam-248	55	17	annual	annual	ADJ
ajam-248	55	18	profits	profit	NOUN
ajam-248	55	19	less	less	ADJ
ajam-248	55	20	the	the	DET
ajam-248	55	21	equity	equity	NOUN
ajam-248	55	22	charged	charge	VERB
ajam-248	55	23	at	at	ADP
ajam-248	55	24	the	the	DET
ajam-248	55	25	approximate	approximate	ADJ
ajam-248	55	26	market	market	NOUN
ajam-248	55	27	interest	interest	NOUN
ajam-248	55	28	rate	rate	NOUN
ajam-248	55	29	exceeded	exceed	VERB
ajam-248	55	30	the	the	DET
ajam-248	55	31	total	total	ADJ
ajam-248	55	32	annual	annual	ADJ
ajam-248	55	33	value	value	NOUN
ajam-248	55	34	of	of	ADP
ajam-248	55	35	subsidies	subsidy	NOUN
ajam-248	55	36	,	,	PUNCT
ajam-248	55	37	if	if	SCONJ
ajam-248	55	38	subsidies	subsidy	NOUN
ajam-248	55	39	were	be	AUX
ajam-248	55	40	received	receive	VERB
ajam-248	55	41	.	.	PUNCT
ajam-248	56	1	capital	capital	NOUN
ajam-248	56	2	formation	formation	NOUN
ajam-248	56	3	rate	rate	NOUN
ajam-248	56	4	the	the	DET
ajam-248	56	5	capital	capital	NOUN
ajam-248	56	6	formation	formation	NOUN
ajam-248	56	7	rate	rate	NOUN
ajam-248	56	8	was	be	AUX
ajam-248	56	9	based	base	VERB
ajam-248	56	10	on	on	ADP
ajam-248	56	11	a	a	DET
ajam-248	56	12	crucial	crucial	ADJ
ajam-248	56	13	assumption	assumption	NOUN
ajam-248	56	14	that	that	SCONJ
ajam-248	56	15	the	the	DET
ajam-248	56	16	ability	ability	NOUN
ajam-248	56	17	to	to	PART
ajam-248	56	18	sustain	sustain	VERB
ajam-248	56	19	the	the	DET
ajam-248	56	20	lending	lending	NOUN
ajam-248	56	21	function	function	NOUN
ajam-248	56	22	would	would	AUX
ajam-248	56	23	depend	depend	VERB
ajam-248	56	24	on	on	ADP
ajam-248	56	25	the	the	DET
ajam-248	56	26	rate	rate	NOUN
ajam-248	56	27	of	of	ADP
ajam-248	56	28	capital	capital	NOUN
ajam-248	56	29	formation	formation	NOUN
ajam-248	56	30	which	which	PRON
ajam-248	56	31	is	be	AUX
ajam-248	56	32	to	to	PART
ajam-248	56	33	provide	provide	VERB
ajam-248	56	34	the	the	DET
ajam-248	56	35	re	re	ADJ
ajam-248	56	36	-	-	ADJ
ajam-248	56	37	investable	investable	ADJ
ajam-248	56	38	funds	fund	NOUN
ajam-248	56	39	.	.	PUNCT
ajam-248	57	1	the	the	DET
ajam-248	57	2	sustainability	sustainability	NOUN
ajam-248	57	3	rate	rate	NOUN
ajam-248	57	4	is	be	AUX
ajam-248	57	5	therefore	therefore	ADV
ajam-248	57	6	equated	equate	VERB
ajam-248	57	7	to	to	ADP
ajam-248	57	8	the	the	DET
ajam-248	57	9	capital	capital	NOUN
ajam-248	57	10	formation	formation	NOUN
ajam-248	57	11	rate	rate	NOUN
ajam-248	57	12	(	(	PUNCT
ajam-248	57	13	rc	rc	PROPN
ajam-248	57	14	)	)	PUNCT
ajam-248	57	15	computed	compute	VERB
ajam-248	57	16	from	from	ADP
ajam-248	57	17	the	the	DET
ajam-248	57	18	equation	equation	NOUN
ajam-248	57	19	below	below	ADV
ajam-248	57	20	.	.	PUNCT
ajam-248	58	1	rci	rci	PROPN
ajam-248	58	2	=	=	PUNCT
ajam-248	58	3	f	f	X
ajam-248	58	4			PUNCT
ajam-248	59	1	r	r	X
ajam-248	59	2			PROPN
ajam-248	59	3			NOUN
ajam-248	59	4			ADV
ajam-248	59	5	c	c	PROPN
ajam-248	59	6			PROPN
ajam-248	59	7	cc	cc	PROPN
ajam-248	59	8			PROPN
ajam-248	59	9	r	r	X
ajam-248	60	1	d	d	X
ajam-248	60	2	i1	i1	NOUN
ajam-248	61	1	i	i	PRON
ajam-248	61	2	i	i	PRON
ajam-248	62	1	i	i	PRON
ajam-248	62	2	li	li	VERB
ajam-248	63	1	i	i	INTJ
ajam-248	63	2	d	d	VERB
ajam-248	63	3	i	i	PRON
ajam-248	63	4	n	n	PROPN
ajam-248	63	5	where	where	SCONJ
ajam-248	63	6	:	:	PUNCT
ajam-248	63	7	rci	rci	NOUN
ajam-248	63	8	=	=	NOUN
ajam-248	63	9	rate	rate	NOUN
ajam-248	63	10	of	of	ADP
ajam-248	63	11	capital	capital	NOUN
ajam-248	63	12	formation	formation	NOUN
ajam-248	63	13	for	for	ADP
ajam-248	63	14	period	period	NOUN
ajam-248	63	15	n	n	X
ajam-248	63	16	by	by	ADP
ajam-248	63	17	institution	institution	NOUN
ajam-248	63	18	yi	yi	NOUN
ajam-248	64	1	f	f	NOUN
ajam-248	64	2	i	i	PRON
ajam-248	64	3	=	=	NOUN
ajam-248	64	4	total	total	ADJ
ajam-248	64	5	funds	fund	NOUN
ajam-248	64	6	received	receive	VERB
ajam-248	64	7	from	from	ADP
ajam-248	64	8	all	all	DET
ajam-248	64	9	sources	source	NOUN
ajam-248	64	10	by	by	ADP
ajam-248	64	11	institution	institution	NOUN
ajam-248	64	12	yi	yi	X
ajam-248	64	13	ri	ri	PROPN
ajam-248	65	1	=	=	PUNCT
ajam-248	65	2	total	total	ADJ
ajam-248	65	3	interest	interest	NOUN
ajam-248	65	4	charged	charge	VERB
ajam-248	65	5	on	on	ADP
ajam-248	65	6	loans	loan	NOUN
ajam-248	65	7	by	by	ADP
ajam-248	65	8	institution	institution	NOUN
ajam-248	65	9	yi	yi	NOUN
ajam-248	65	10	di	di	NOUN
ajam-248	65	11	=	=	NOUN
ajam-248	65	12	total	total	ADJ
ajam-248	65	13	loans	loan	NOUN
ajam-248	65	14	disbursed	disburse	VERB
ajam-248	65	15	by	by	ADP
ajam-248	65	16	institution	institution	NOUN
ajam-248	65	17	yi	yi	PROPN
ajam-248	65	18	cii	cii	PROPN
ajam-248	65	19	=	=	PROPN
ajam-248	65	20	loan	loan	NOUN
ajam-248	65	21	administrative	administrative	ADJ
ajam-248	65	22	costs	cost	NOUN
ajam-248	65	23	for	for	ADP
ajam-248	65	24	institution	institution	NOUN
ajam-248	65	25	y	y	PROPN
ajam-248	65	26	which	which	PRON
ajam-248	65	27	includes	include	VERB
ajam-248	65	28	costs	cost	NOUN
ajam-248	65	29	of	of	ADP
ajam-248	65	30	printing	print	VERB
ajam-248	65	31	loan	loan	NOUN
ajam-248	65	32	forms	form	NOUN
ajam-248	65	33	,	,	PUNCT
ajam-248	65	34	interest	interest	NOUN
ajam-248	65	35	paid	pay	VERB
ajam-248	65	36	on	on	ADP
ajam-248	65	37	borrowed	borrow	VERB
ajam-248	65	38	funds	fund	NOUN
ajam-248	65	39	,	,	PUNCT
ajam-248	65	40	loan	loan	NOUN
ajam-248	65	41	recovery	recovery	NOUN
ajam-248	65	42	/	/	SYM
ajam-248	65	43	supervision	supervision	NOUN
ajam-248	65	44	costs	cost	NOUN
ajam-248	65	45	and	and	CCONJ
ajam-248	65	46	other	other	ADJ
ajam-248	65	47	costs	cost	NOUN
ajam-248	65	48	.	.	PUNCT
ajam-248	66	1	c	c	NOUN
ajam-248	66	2	ci	ci	NOUN
ajam-248	66	3	=	=	NOUN
ajam-248	66	4	overhead	overhead	ADJ
ajam-248	66	5	costs	cost	NOUN
ajam-248	66	6	for	for	ADP
ajam-248	66	7	loan	loan	NOUN
ajam-248	66	8	administration	administration	NOUN
ajam-248	66	9	by	by	ADP
ajam-248	66	10	institution	institution	NOUN
ajam-248	66	11	yi	yi	PROPN
ajam-248	67	1	rdi	rdi	PROPN
ajam-248	67	2	=	=	NOUN
ajam-248	67	3	total	total	ADJ
ajam-248	67	4	defaults	default	NOUN
ajam-248	67	5	by	by	ADP
ajam-248	67	6	clients	client	NOUN
ajam-248	67	7	of	of	ADP
ajam-248	67	8	institution	institution	NOUN
ajam-248	67	9	yi	yi	NOUN
ajam-248	67	10	the	the	DET
ajam-248	67	11	above	above	ADJ
ajam-248	67	12	computation	computation	NOUN
ajam-248	67	13	is	be	AUX
ajam-248	67	14	based	base	VERB
ajam-248	67	15	on	on	ADP
ajam-248	67	16	the	the	DET
ajam-248	67	17	expectation	expectation	NOUN
ajam-248	67	18	that	that	SCONJ
ajam-248	67	19	total	total	ADJ
ajam-248	67	20	receipts	receipt	NOUN
ajam-248	67	21	less	less	ADJ
ajam-248	67	22	total	total	ADJ
ajam-248	67	23	disbursements	disbursement	NOUN
ajam-248	67	24	and	and	CCONJ
ajam-248	67	25	expenditure	expenditure	NOUN
ajam-248	67	26	per	per	ADP
ajam-248	67	27	time	time	NOUN
ajam-248	67	28	period	period	NOUN
ajam-248	67	29	would	would	AUX
ajam-248	67	30	give	give	VERB
ajam-248	67	31	the	the	DET
ajam-248	67	32	rate	rate	NOUN
ajam-248	67	33	of	of	ADP
ajam-248	67	34	capital	capital	NOUN
ajam-248	67	35	building	building	NOUN
ajam-248	67	36	for	for	ADP
ajam-248	67	37	the	the	DET
ajam-248	67	38	given	give	VERB
ajam-248	67	39	period	period	NOUN
ajam-248	67	40	,	,	PUNCT
ajam-248	67	41	i.e.	i.e.	X
ajam-248	67	42	rate	rate	NOUN
ajam-248	67	43	of	of	ADP
ajam-248	67	44	capital	capital	NOUN
ajam-248	67	45	=	=	SYM
ajam-248	67	46	total	total	ADJ
ajam-248	67	47	receipts	receipt	NOUN
ajam-248	67	48	–	–	PUNCT
ajam-248	67	49	total	total	ADJ
ajam-248	67	50	disbursements	disbursement	NOUN
ajam-248	67	51	/	/	SYM
ajam-248	67	52	expenditure	expenditure	NOUN
ajam-248	67	53	building	building	NOUN
ajam-248	67	54	per	per	ADP
ajam-248	67	55	year	year	NOUN
ajam-248	67	56	time	time	NOUN
ajam-248	67	57	period	period	NOUN
ajam-248	67	58	in	in	ADP
ajam-248	67	59	years	year	NOUN
ajam-248	67	60	the	the	DET
ajam-248	67	61	numerator	numerator	NOUN
ajam-248	67	62	represents	represent	VERB
ajam-248	67	63	the	the	DET
ajam-248	67	64	re	re	ADJ
ajam-248	67	65	-	-	ADJ
ajam-248	67	66	investable	investable	ADJ
ajam-248	67	67	surplus	surplus	NOUN
ajam-248	67	68	which	which	PRON
ajam-248	67	69	is	be	AUX
ajam-248	67	70	an	an	DET
ajam-248	67	71	indicator	indicator	NOUN
ajam-248	67	72	of	of	ADP
ajam-248	67	73	sustainability	sustainability	NOUN
ajam-248	67	74	.	.	PUNCT
ajam-248	68	1	the	the	DET
ajam-248	68	2	above	above	ADJ
ajam-248	68	3	presentation	presentation	NOUN
ajam-248	68	4	suggests	suggest	VERB
ajam-248	68	5	that	that	SCONJ
ajam-248	68	6	there	there	PRON
ajam-248	68	7	is	be	VERB
ajam-248	68	8	no	no	DET
ajam-248	68	9	default	default	NOUN
ajam-248	68	10	,	,	PUNCT
ajam-248	68	11	yet	yet	CCONJ
ajam-248	68	12	defaults	default	NOUN
ajam-248	68	13	can	can	AUX
ajam-248	68	14	not	not	PART
ajam-248	68	15	be	be	AUX
ajam-248	68	16	ruled	rule	VERB
ajam-248	68	17	out	out	ADP
ajam-248	68	18	in	in	ADP
ajam-248	68	19	credit	credit	NOUN
ajam-248	68	20	delivery	delivery	NOUN
ajam-248	68	21	hence	hence	ADV
ajam-248	68	22	the	the	DET
ajam-248	68	23	modification	modification	NOUN
ajam-248	68	24	in	in	ADP
ajam-248	68	25	the	the	DET
ajam-248	68	26	initial	initial	ADJ
ajam-248	68	27	formula	formula	NOUN
ajam-248	68	28	to	to	PART
ajam-248	68	29	reflect	reflect	VERB
ajam-248	68	30	the	the	DET
ajam-248	68	31	amount	amount	NOUN
ajam-248	68	32	of	of	ADP
ajam-248	68	33	defaults	default	NOUN
ajam-248	68	34	.	.	PUNCT
ajam-248	69	1	(	(	PUNCT
ajam-248	69	2	rdi	rdi	PROPN
ajam-248	69	3	)	)	PUNCT
ajam-248	69	4	.	.	PUNCT
ajam-248	70	1	results	result	NOUN
ajam-248	70	2	and	and	CCONJ
ajam-248	70	3	discussion	discussion	NOUN
ajam-248	70	4			NOUN
ajam-248	70	5	socio	socio	NOUN
ajam-248	70	6	-	-	PUNCT
ajam-248	70	7	economic	economic	ADJ
ajam-248	70	8	characteristics	characteristic	NOUN
ajam-248	70	9	of	of	ADP
ajam-248	70	10	the	the	DET
ajam-248	70	11	organizations	organization	NOUN
ajam-248	70	12	:	:	PUNCT
ajam-248	70	13	the	the	DET
ajam-248	70	14	studied	study	VERB
ajam-248	70	15	cooperatives	cooperative	NOUN
ajam-248	70	16	were	be	AUX
ajam-248	70	17	within	within	ADP
ajam-248	70	18	the	the	DET
ajam-248	70	19	age	age	NOUN
ajam-248	70	20	range	range	NOUN
ajam-248	70	21	of	of	ADP
ajam-248	70	22	five	five	NUM
ajam-248	70	23	to	to	PART
ajam-248	70	24	thirty	thirty	NUM
ajam-248	70	25	nine	nine	NUM
ajam-248	70	26	years	year	NOUN
ajam-248	70	27	with	with	ADP
ajam-248	70	28	average	average	ADJ
ajam-248	70	29	membership	membership	NOUN
ajam-248	70	30	strength	strength	NOUN
ajam-248	70	31	of	of	ADP
ajam-248	70	32	60	60	NUM
ajam-248	70	33	,	,	PUNCT
ajam-248	70	34	involved	involve	VERB
ajam-248	70	35	in	in	ADP
ajam-248	70	36	multipurpose	multipurpose	NOUN
ajam-248	70	37	activities	activity	NOUN
ajam-248	70	38	with	with	ADP
ajam-248	70	39	credit	credit	NOUN
ajam-248	70	40	delivery	delivery	NOUN
ajam-248	70	41	as	as	ADP
ajam-248	70	42	their	their	PRON
ajam-248	70	43	main	main	ADJ
ajam-248	70	44	function.	function.	NOUN
ajam-248	70	45	the	the	DET
ajam-248	70	46	ngos	ngo	NOUN
ajam-248	70	47	were	be	AUX
ajam-248	70	48	within	within	ADP
ajam-248	70	49	the	the	DET
ajam-248	70	50	age	age	NOUN
ajam-248	70	51	range	range	NOUN
ajam-248	70	52	of	of	ADP
ajam-248	70	53	three	three	NUM
ajam-248	70	54	to	to	PART
ajam-248	70	55	fourteen	fourteen	NUM
ajam-248	70	56	years	year	NOUN
ajam-248	70	57	,	,	PUNCT
ajam-248	70	58	also	also	ADV
ajam-248	70	59	involved	involve	VERB
ajam-248	70	60	in	in	ADP
ajam-248	70	61	a	a	DET
ajam-248	70	62	wide	wide	ADJ
ajam-248	70	63	range	range	NOUN
ajam-248	70	64	of	of	ADP
ajam-248	70	65	activities	activity	NOUN
ajam-248	70	66	with	with	ADP
ajam-248	70	67	credit	credit	NOUN
ajam-248	70	68	delivery	delivery	NOUN
ajam-248	70	69	as	as	ADP
ajam-248	70	70	a	a	DET
ajam-248	70	71	very	very	ADV
ajam-248	70	72	small	small	ADJ
ajam-248	70	73	segment	segment	NOUN
ajam-248	70	74	of	of	ADP
ajam-248	70	75	their	their	PRON
ajam-248	70	76	operations	operation	NOUN
ajam-248	70	77	,	,	PUNCT
ajam-248	70	78	playing	play	VERB
ajam-248	70	79	mainly	mainly	ADV
ajam-248	70	80	an	an	DET
ajam-248	70	81	on	on	ADP
ajam-248	70	82	-	-	PUNCT
ajam-248	70	83	lending	lending	NOUN
ajam-248	70	84	role	role	NOUN
ajam-248	70	85	.	.	PUNCT
ajam-248	71	1			PRON
ajam-248	71	2	sources	source	NOUN
ajam-248	71	3	of	of	ADP
ajam-248	71	4	loanable	loanable	ADJ
ajam-248	71	5	funds	fund	NOUN
ajam-248	71	6	:	:	PUNCT
ajam-248	71	7	two	two	NUM
ajam-248	71	8	main	main	ADJ
ajam-248	71	9	sources	source	NOUN
ajam-248	71	10	were	be	AUX
ajam-248	71	11	identified	identify	VERB
ajam-248	71	12	;	;	PUNCT
ajam-248	71	13	they	they	PRON
ajam-248	71	14	were	be	AUX
ajam-248	71	15	the	the	DET
ajam-248	71	16	external	external	ADJ
ajam-248	71	17	sources	source	NOUN
ajam-248	71	18	from	from	ADP
ajam-248	71	19	donors	donor	NOUN
ajam-248	71	20	and	and	CCONJ
ajam-248	71	21	loaning	loan	VERB
ajam-248	71	22	bodies	body	NOUN
ajam-248	71	23	and	and	CCONJ
ajam-248	71	24	internal	internal	ADJ
ajam-248	71	25	sources	source	NOUN
ajam-248	71	26	which	which	PRON
ajam-248	71	27	were	be	AUX
ajam-248	71	28	within	within	ADP
ajam-248	71	29	the	the	DET
ajam-248	71	30	organisation	organisation	NOUN
ajam-248	71	31	’s	’s	PART
ajam-248	71	32	efforts	effort	NOUN
ajam-248	71	33	.	.	PUNCT
ajam-248	72	1	the	the	DET
ajam-248	72	2	analysis	analysis	NOUN
ajam-248	72	3	showed	show	VERB
ajam-248	72	4	that	that	SCONJ
ajam-248	72	5	all	all	DET
ajam-248	72	6	studied	study	VERB
ajam-248	72	7	ngos	ngo	NOUN
ajam-248	72	8	depended	depend	VERB
ajam-248	72	9	on	on	ADP
ajam-248	72	10	external	external	ADJ
ajam-248	72	11	sources	source	NOUN
ajam-248	72	12	which	which	PRON
ajam-248	72	13	were	be	AUX
ajam-248	72	14	mainly	mainly	ADV
ajam-248	72	15	international	international	ADJ
ajam-248	72	16	donors	donor	NOUN
ajam-248	72	17	while	while	SCONJ
ajam-248	72	18	the	the	DET
ajam-248	72	19	cooperatives	cooperative	NOUN
ajam-248	72	20	depended	depend	VERB
ajam-248	72	21	solely	solely	ADV
ajam-248	72	22	on	on	ADP
ajam-248	72	23	internal	internal	ADJ
ajam-248	72	24	sources	source	NOUN
ajam-248	72	25	which	which	PRON
ajam-248	72	26	were	be	AUX
ajam-248	72	27	mainly	mainly	ADV
ajam-248	72	28	contributions	contribution	NOUN
ajam-248	72	29	from	from	ADP
ajam-248	72	30	members.	members.	NOUN
ajam-248	72	31	loan	loan	NOUN
ajam-248	72	32	volume	volume	NOUN
ajam-248	72	33	assessment	assessment	NOUN
ajam-248	72	34	the	the	DET
ajam-248	72	35	results	result	NOUN
ajam-248	72	36	showed	show	VERB
ajam-248	72	37	that	that	SCONJ
ajam-248	72	38	the	the	DET
ajam-248	72	39	ngos	ngo	NOUN
ajam-248	72	40	had	have	VERB
ajam-248	72	41	higher	high	ADJ
ajam-248	72	42	loan	loan	NOUN
ajam-248	72	43	volumes	volume	NOUN
ajam-248	72	44	than	than	ADP
ajam-248	72	45	the	the	DET
ajam-248	72	46	cooperatives	cooperative	NOUN
ajam-248	72	47	(	(	PUNCT
ajam-248	72	48	table	table	NOUN
ajam-248	72	49	1	1	NUM
ajam-248	72	50	)	)	PUNCT
ajam-248	72	51	about	about	ADV
ajam-248	72	52	88	88	NUM
ajam-248	72	53	%	%	NOUN
ajam-248	72	54	of	of	ADP
ajam-248	72	55	their	their	PRON
ajam-248	72	56	loan	loan	NOUN
ajam-248	72	57	requests	request	NOUN
ajam-248	72	58	were	be	AUX
ajam-248	72	59	met	meet	VERB
ajam-248	72	60	during	during	ADP
ajam-248	72	61	the	the	DET
ajam-248	72	62	period	period	NOUN
ajam-248	72	63	while	while	SCONJ
ajam-248	72	64	about	about	ADV
ajam-248	72	65	68	68	NUM
ajam-248	72	66	%	%	NOUN
ajam-248	72	67	of	of	ADP
ajam-248	72	68	loan	loan	NOUN
ajam-248	72	69	requests	request	NOUN
ajam-248	72	70	were	be	AUX
ajam-248	72	71	met	meet	VERB
ajam-248	72	72	by	by	ADP
ajam-248	72	73	cooperatives	cooperative	NOUN
ajam-248	72	74	.	.	PUNCT
ajam-248	73	1	this	this	PRON
ajam-248	73	2	may	may	AUX
ajam-248	73	3	not	not	PART
ajam-248	73	4	be	be	AUX
ajam-248	73	5	unconnected	unconnected	ADJ
ajam-248	73	6	with	with	ADP
ajam-248	73	7	the	the	DET
ajam-248	73	8	availability	availability	NOUN
ajam-248	73	9	of	of	ADP
ajam-248	73	10	funds	fund	NOUN
ajam-248	73	11	from	from	ADP
ajam-248	73	12	the	the	DET
ajam-248	73	13	ngos	ngos	ADJ
ajam-248	73	14	external	external	ADJ
ajam-248	73	15	sources	source	NOUN
ajam-248	73	16	.	.	PUNCT
ajam-248	74	1	the	the	DET
ajam-248	74	2	cooperatives	cooperative	NOUN
ajam-248	74	3	however	however	ADV
ajam-248	74	4	had	have	VERB
ajam-248	74	5	a	a	DET
ajam-248	74	6	wider	wide	ADJ
ajam-248	74	7	outreach	outreach	NOUN
ajam-248	74	8	in	in	ADP
ajam-248	74	9	terms	term	NOUN
ajam-248	74	10	of	of	ADP
ajam-248	74	11	individual	individual	ADJ
ajam-248	74	12	beneficiaries	beneficiary	NOUN
ajam-248	74	13	but	but	CCONJ
ajam-248	74	14	lower	low	ADJ
ajam-248	74	15	individual	individual	ADJ
ajam-248	74	16	loan	loan	NOUN
ajam-248	74	17	volumes	volume	NOUN
ajam-248	74	18	.	.	PUNCT
ajam-248	75	1	subsidy	subsidy	NOUN
ajam-248	75	2	dependence	dependence	NOUN
ajam-248	75	3	indices	index	NOUN
ajam-248	75	4	(	(	PUNCT
ajam-248	75	5	sdi	sdi	PROPN
ajam-248	75	6	)	)	PUNCT
ajam-248	75	7	for	for	ADP
ajam-248	75	8	the	the	DET
ajam-248	75	9	studied	study	VERB
ajam-248	75	10	cooperatives	cooperative	NOUN
ajam-248	75	11	and	and	CCONJ
ajam-248	75	12	ngos	ngo	VERB
ajam-248	75	13	the	the	DET
ajam-248	75	14	subsidy	subsidy	NOUN
ajam-248	75	15	dependence	dependence	NOUN
ajam-248	75	16	analysis	analysis	NOUN
ajam-248	75	17	showed	show	VERB
ajam-248	75	18	that	that	SCONJ
ajam-248	75	19	all	all	DET
ajam-248	75	20	the	the	DET
ajam-248	75	21	studied	study	VERB
ajam-248	75	22	cooperative	cooperative	ADJ
ajam-248	75	23	societies	society	NOUN
ajam-248	75	24	were	be	AUX
ajam-248	75	25	self	self	NOUN
ajam-248	75	26	-	-	PUNCT
ajam-248	75	27	sustaining	sustain	VERB
ajam-248	75	28	as	as	SCONJ
ajam-248	75	29	the	the	DET
ajam-248	75	30	computation	computation	NOUN
ajam-248	75	31	gave	give	VERB
ajam-248	75	32	a	a	DET
ajam-248	75	33	subsidy	subsidy	NOUN
ajam-248	75	34	dependence	dependence	NOUN
ajam-248	75	35	index	index	NOUN
ajam-248	75	36	(	(	PUNCT
ajam-248	75	37	sdi	sdi	PROPN
ajam-248	75	38	)	)	PUNCT
ajam-248	75	39	of	of	ADP
ajam-248	75	40	zero	zero	NUM
ajam-248	75	41	.	.	PUNCT
ajam-248	76	1	this	this	PRON
ajam-248	76	2	was	be	AUX
ajam-248	76	3	as	as	ADP
ajam-248	76	4	a	a	DET
ajam-248	76	5	result	result	NOUN
ajam-248	76	6	of	of	ADP
ajam-248	76	7	their	their	PRON
ajam-248	76	8	internally	internally	ADV
ajam-248	76	9	generated	generate	VERB
ajam-248	76	10	revenue	revenue	NOUN
ajam-248	76	11	as	as	ADP
ajam-248	76	12	no	no	DET
ajam-248	76	13	cooperative	cooperative	ADJ
ajam-248	76	14	society	society	NOUN
ajam-248	76	15	received	receive	VERB
ajam-248	76	16	any	any	DET
ajam-248	76	17	form	form	NOUN
ajam-248	76	18	of	of	ADP
ajam-248	76	19	subsidy	subsidy	NOUN
ajam-248	76	20	from	from	ADP
ajam-248	76	21	any	any	DET
ajam-248	76	22	source	source	NOUN
ajam-248	76	23	according	accord	VERB
ajam-248	76	24	to	to	ADP
ajam-248	76	25	the	the	DET
ajam-248	76	26	information	information	NOUN
ajam-248	76	27	gathered	gather	VERB
ajam-248	76	28	.	.	PUNCT
ajam-248	77	1	an	an	DET
ajam-248	77	2	sdi	sdi	PROPN
ajam-248	77	3	of	of	ADP
ajam-248	77	4	zero	zero	NUM
ajam-248	77	5	means	mean	VERB
ajam-248	77	6	that	that	SCONJ
ajam-248	77	7	the	the	DET
ajam-248	77	8	cooperative	cooperative	ADJ
ajam-248	77	9	societies	society	NOUN
ajam-248	77	10	achieved	achieve	VERB
ajam-248	77	11	full	full	ADJ
ajam-248	77	12	self	self	NOUN
ajam-248	77	13	-	-	PUNCT
ajam-248	77	14	sustainability	sustainability	NOUN
ajam-248	77	15	during	during	ADP
ajam-248	77	16	the	the	DET
ajam-248	77	17	period	period	NOUN
ajam-248	77	18	in	in	ADP
ajam-248	77	19	question	question	NOUN
ajam-248	77	20	,	,	PUNCT
ajam-248	77	21	which	which	PRON
ajam-248	77	22	can	can	AUX
ajam-248	77	23	be	be	AUX
ajam-248	77	24	translated	translate	VERB
ajam-248	77	25	to	to	PART
ajam-248	77	26	mean	mean	VERB
ajam-248	77	27	that	that	SCONJ
ajam-248	77	28	they	they	PRON
ajam-248	77	29	had	have	VERB
ajam-248	77	30	no	no	DET
ajam-248	77	31	form	form	NOUN
ajam-248	77	32	of	of	ADP
ajam-248	77	33	external	external	ADJ
ajam-248	77	34	financial	financial	ADJ
ajam-248	77	35	assistance	assistance	NOUN
ajam-248	77	36	.	.	PUNCT
ajam-248	78	1	however	however	ADV
ajam-248	78	2	,	,	PUNCT
ajam-248	78	3	an	an	DET
ajam-248	78	4	average	average	ADJ
ajam-248	78	5	annual	annual	ADJ
ajam-248	78	6	subsidy	subsidy	NOUN
ajam-248	78	7	dependence	dependence	NOUN
ajam-248	78	8	index	index	NOUN
ajam-248	78	9	(	(	PUNCT
ajam-248	78	10	sdi	sdi	PROPN
ajam-248	78	11	)	)	PUNCT
ajam-248	78	12	of	of	ADP
ajam-248	78	13	0.7642	0.7642	NUM
ajam-248	78	14	(	(	PUNCT
ajam-248	78	15	76.42	76.42	NUM
ajam-248	78	16	%	%	NOUN
ajam-248	78	17	)	)	PUNCT
ajam-248	78	18	was	be	AUX
ajam-248	78	19	obtained	obtain	VERB
ajam-248	78	20	for	for	ADP
ajam-248	78	21	the	the	DET
ajam-248	78	22	ngos	ngo	NOUN
ajam-248	78	23	.	.	PUNCT
ajam-248	79	1	this	this	PRON
ajam-248	79	2	indicates	indicate	VERB
ajam-248	79	3	that	that	SCONJ
ajam-248	79	4	if	if	SCONJ
ajam-248	79	5	subsidies	subsidy	NOUN
ajam-248	79	6	are	be	AUX
ajam-248	79	7	to	to	PART
ajam-248	79	8	be	be	AUX
ajam-248	79	9	eliminated	eliminate	VERB
ajam-248	79	10	,	,	PUNCT
ajam-248	79	11	the	the	DET
ajam-248	79	12	present	present	ADJ
ajam-248	79	13	on	on	ADP
ajam-248	79	14	-	-	PUNCT
ajam-248	79	15	lending	lending	NOUN
ajam-248	79	16	interest	interest	NOUN
ajam-248	79	17	rate	rate	NOUN
ajam-248	79	18	of	of	ADP
ajam-248	79	19	the	the	DET
ajam-248	79	20	ngos	ngo	NOUN
ajam-248	79	21	may	may	AUX
ajam-248	79	22	almost	almost	ADV
ajam-248	79	23	be	be	AUX
ajam-248	79	24	doubled	double	VERB
ajam-248	79	25	(	(	PUNCT
ajam-248	79	26	requiring	require	VERB
ajam-248	79	27	about	about	ADV
ajam-248	79	28	76	76	NUM
ajam-248	79	29	%	%	NOUN
ajam-248	79	30	increase	increase	NOUN
ajam-248	79	31	)	)	PUNCT
ajam-248	79	32	to	to	PART
ajam-248	79	33	sustain	sustain	VERB
ajam-248	79	34	the	the	DET
ajam-248	79	35	credit	credit	NOUN
ajam-248	79	36	delivery	delivery	NOUN
ajam-248	79	37	function	function	NOUN
ajam-248	79	38	.	.	PUNCT
ajam-248	80	1	the	the	DET
ajam-248	80	2	implication	implication	NOUN
ajam-248	80	3	of	of	ADP
ajam-248	80	4	this	this	PRON
ajam-248	80	5	is	be	AUX
ajam-248	80	6	that	that	SCONJ
ajam-248	80	7	the	the	DET
ajam-248	80	8	ngos	ngo	NOUN
ajam-248	80	9	may	may	AUX
ajam-248	80	10	face	face	VERB
ajam-248	80	11	sustainability	sustainability	NOUN
ajam-248	80	12	crisis	crisis	NOUN
ajam-248	80	13	if	if	SCONJ
ajam-248	80	14	subsidies	subsidy	NOUN
ajam-248	80	15	(	(	PUNCT
ajam-248	80	16	i.e.	i.e.	X
ajam-248	80	17	the	the	DET
ajam-248	80	18	identified	identify	VERB
ajam-248	80	19	grants	grant	NOUN
ajam-248	80	20	from	from	ADP
ajam-248	80	21	donors	donor	NOUN
ajam-248	80	22	)	)	PUNCT
ajam-248	80	23	are	be	AUX
ajam-248	80	24	withdrawn	withdraw	VERB
ajam-248	80	25	.	.	PUNCT
ajam-248	81	1	the	the	DET
ajam-248	81	2	sdi	sdi	PROPN
ajam-248	81	3	value	value	NOUN
ajam-248	81	4	which	which	PRON
ajam-248	81	5	measures	measure	VERB
ajam-248	81	6	the	the	DET
ajam-248	81	7	degree	degree	NOUN
ajam-248	81	8	of	of	ADP
ajam-248	81	9	external	external	ADJ
ajam-248	81	10	funding	funding	NOUN
ajam-248	81	11	of	of	ADP
ajam-248	81	12	the	the	DET
ajam-248	81	13	organization	organization	NOUN
ajam-248	81	14	is	be	AUX
ajam-248	81	15	a	a	DET
ajam-248	81	16	good	good	ADJ
ajam-248	81	17	reflection	reflection	NOUN
ajam-248	81	18	of	of	ADP
ajam-248	81	19	the	the	DET
ajam-248	81	20	importance	importance	NOUN
ajam-248	81	21	of	of	ADP
ajam-248	81	22	dependable	dependable	ADJ
ajam-248	81	23	sources	source	NOUN
ajam-248	81	24	of	of	ADP
ajam-248	81	25	loanable	loanable	ADJ
ajam-248	81	26	funds	fund	NOUN
ajam-248	81	27	for	for	ADP
ajam-248	81	28	both	both	DET
ajam-248	81	29	institutions	institution	NOUN
ajam-248	81	30	if	if	SCONJ
ajam-248	81	31	they	they	PRON
ajam-248	81	32	are	be	AUX
ajam-248	81	33	to	to	PART
ajam-248	81	34	be	be	AUX
ajam-248	81	35	relied	rely	VERB
ajam-248	81	36	upon	upon	SCONJ
ajam-248	81	37	as	as	ADP
ajam-248	81	38	channels	channel	NOUN
ajam-248	81	39	of	of	ADP
ajam-248	81	40	credit	credit	NOUN
ajam-248	81	41	delivery	delivery	NOUN
ajam-248	81	42	to	to	ADP
ajam-248	81	43	farmers	farmer	NOUN
ajam-248	81	44	.	.	PUNCT
ajam-248	82	1	the	the	DET
ajam-248	82	2	over	over	ADP
ajam-248	82	3	all	all	DET
ajam-248	82	4	interpretation	interpretation	NOUN
ajam-248	82	5	of	of	ADP
ajam-248	82	6	these	these	DET
ajam-248	82	7	findings	finding	NOUN
ajam-248	82	8	in	in	ADP
ajam-248	82	9	comparing	compare	VERB
ajam-248	82	10	the	the	DET
ajam-248	82	11	sustainability	sustainability	NOUN
ajam-248	82	12	level	level	NOUN
ajam-248	82	13	of	of	ADP
ajam-248	82	14	the	the	DET
ajam-248	82	15	credit	credit	NOUN
ajam-248	82	16	delivery	delivery	NOUN
ajam-248	82	17	function	function	NOUN
ajam-248	82	18	of	of	ADP
ajam-248	82	19	the	the	DET
ajam-248	82	20	cooperatives	cooperative	NOUN
ajam-248	82	21	and	and	CCONJ
ajam-248	82	22	ngos	ngo	NOUN
ajam-248	82	23	is	be	AUX
ajam-248	82	24	that	that	SCONJ
ajam-248	82	25	whether	whether	SCONJ
ajam-248	82	26	external	external	ADJ
ajam-248	82	27	funding	funding	NOUN
ajam-248	82	28	table	table	NOUN
ajam-248	82	29	1	1	NUM
ajam-248	82	30	.	.	PUNCT
ajam-248	82	31	loan	loan	NOUN
ajam-248	82	32	volume	volume	NOUN
ajam-248	82	33	assessment	assessment	NOUN
ajam-248	82	34	for	for	ADP
ajam-248	82	35	ngos	ngo	NOUN
ajam-248	82	36	and	and	CCONJ
ajam-248	82	37	cooperatives	cooperative	NOUN
ajam-248	82	38	cooperative	cooperative	ADJ
ajam-248	82	39	ngos	ngo	NOUN
ajam-248	82	40	.	.	PUNCT
ajam-248	83	1	cooperatives	cooperative	NOUN
ajam-248	83	2	ngo	ngo	PROPN
ajam-248	83	3	class	class	PROPN
ajam-248	83	4	of	of	ADP
ajam-248	83	5	loan	loan	NOUN
ajam-248	83	6	average	average	ADJ
ajam-248	83	7	average	average	ADJ
ajam-248	83	8	average	average	ADJ
ajam-248	83	9	loan	loan	NOUN
ajam-248	83	10	average	average	ADJ
ajam-248	83	11	average	average	ADJ
ajam-248	83	12	average	average	ADJ
ajam-248	83	13	loan	loan	NOUN
ajam-248	83	14	loan	loan	NOUN
ajam-248	83	15	disbursement	disbursement	NOUN
ajam-248	83	16	loan	loan	NOUN
ajam-248	83	17	loan	loan	NOUN
ajam-248	83	18	disburse	disburse	NOUN
ajam-248	83	19	request	request	NOUN
ajam-248	83	20	approval	approval	NOUN
ajam-248	83	21	request	request	NOUN
ajam-248	83	22	approval	approval	NOUN
ajam-248	83	23	ment	ment	NOUN
ajam-248	83	24	<	<	VERB
ajam-248	83	25	100000	100000	NUM
ajam-248	83	26	2,400,000	2,400,000	NUM
ajam-248	83	27	2,272,000	2,272,000	NUM
ajam-248	83	28	2,272,000	2,272,000	NUM
ajam-248	83	29	4,500.000	4,500.000	NUM
ajam-248	83	30	4,500.000	4,500.000	NUM
ajam-248	83	31	4,500.000	4,500.000	NUM
ajam-248	84	1	101,000	101,000	NUM
ajam-248	84	2	-	-	SYM
ajam-248	84	3	200,000	200,000	NUM
ajam-248	84	4	4,550,000	4,550,000	NUM
ajam-248	84	5	3,500,000	3,500,000	NUM
ajam-248	84	6	3,500,000	3,500,000	NUM
ajam-248	84	7	10,000,000	10,000,000	NUM
ajam-248	84	8	9,000,000	9,000,000	NUM
ajam-248	84	9	9,000,000	9,000,000	NUM
ajam-248	84	10	201,000	201,000	NUM
ajam-248	84	11	-	-	SYM
ajam-248	84	12	300,000	300,000	NUM
ajam-248	84	13	5,500,000	5,500,000	NUM
ajam-248	84	14	3,000,000	3,000,000	NUM
ajam-248	84	15	3,000,000	3,000,000	NUM
ajam-248	84	16	7,000,000	7,000,000	NUM
ajam-248	84	17	4,800,000	4,800,000	NUM
ajam-248	84	18	4,800,000	4,800,000	NUM
ajam-248	84	19	301,000	301,000	NUM
ajam-248	84	20	-	-	SYM
ajam-248	84	21	400,000	400,000	NUM
ajam-248	84	22	nil	nil	NOUN
ajam-248	84	23	nil	nil	NOUN
ajam-248	84	24	nil	nil	NOUN
ajam-248	84	25	5,000,000	5,000,000	NUM
ajam-248	84	26	3,500,000	3,500,000	NUM
ajam-248	84	27	3,500,000	3,500,000	NUM
ajam-248	84	28	401,000	401,000	NUM
ajam-248	84	29	-	-	SYM
ajam-248	84	30	500,000	500,000	NUM
ajam-248	84	31	1,500,000	1,500,000	NUM
ajam-248	84	32	1,000,000	1,000,000	NUM
ajam-248	84	33	1,000,000	1,000,000	NUM
ajam-248	84	34	5,000,000	5,000,000	NUM
ajam-248	84	35	4,500,000	4,500,000	NUM
ajam-248	84	36	4,500,000	4,500,000	NUM
ajam-248	84	37	501,000	501,000	NUM
ajam-248	84	38	-	-	SYM
ajam-248	84	39	600,000	600,000	NUM
ajam-248	84	40	2,000,000	2,000,000	NUM
ajam-248	84	41	2,000,000	2,000,000	NUM
ajam-248	84	42	2,000,000	2,000,000	NUM
ajam-248	84	43	3,500,000	3,500,000	NUM
ajam-248	84	44	3,500,000	3,500,000	NUM
ajam-248	84	45	3,500,000	3,500,000	NUM
ajam-248	84	46	601,000	601,000	NUM
ajam-248	84	47	-	-	SYM
ajam-248	84	48	700,000	700,000	NUM
ajam-248	84	49	nil	nil	NOUN
ajam-248	84	50	nil	nil	NOUN
ajam-248	84	51	nil	nil	NOUN
ajam-248	84	52	4,580,000	4,580,000	NUM
ajam-248	84	53	4,000,000	4,000,000	NUM
ajam-248	84	54	4,000,000	4,000,000	NUM
ajam-248	84	55	701,000	701,000	NUM
ajam-248	84	56	-	-	SYM
ajam-248	84	57	800,000	800,000	NUM
ajam-248	84	58	3,500,000	3,500,000	NUM
ajam-248	84	59	1,700,000	1,700,000	NUM
ajam-248	84	60	1,700,000	1,700,000	NUM
ajam-248	84	61	nil	nil	NOUN
ajam-248	84	62	nil	nil	NOUN
ajam-248	84	63	nil	nil	NOUN
ajam-248	84	64	801,000	801,000	NUM
ajam-248	84	65	and	and	CCONJ
ajam-248	84	66	above	above	ADP
ajam-248	84	67	1,800,000	1,800,000	NUM
ajam-248	84	68	1,000,000	1,000,000	NUM
ajam-248	84	69	1,000,000	1,000,000	NUM
ajam-248	84	70	5,000,000	5,000,000	NUM
ajam-248	84	71	5,000,000	5,000,000	NUM
ajam-248	84	72	5,000,000	5,000,000	NUM
ajam-248	84	73	total	total	NOUN
ajam-248	84	74	21,250,000	21,250,000	NUM
ajam-248	84	75	14,472,000	14,472,000	NUM
ajam-248	84	76	14,472,000	14,472,000	NUM
ajam-248	84	77	44,580,000	44,580,000	NUM
ajam-248	84	78	38,800,000	38,800,000	NUM
ajam-248	85	1	38,800,00	38,800,00	NUM
ajam-248	85	2	percentages	percentage	NOUN
ajam-248	85	3	na	na	ADP
ajam-248	85	4	68.10	68.10	NUM
ajam-248	85	5	68.10	68.10	NUM
ajam-248	85	6	na	na	ADP
ajam-248	85	7	87.70	87.70	NUM
ajam-248	85	8	87.70	87.70	NUM
ajam-248	85	9	source	source	NOUN
ajam-248	85	10	:	:	PUNCT
ajam-248	85	11	survey	survey	NOUN
ajam-248	85	12	data	datum	NOUN
ajam-248	85	13	2005	2005	NUM
ajam-248	85	14	table	table	NOUN
ajam-248	85	15	2	2	NUM
ajam-248	85	16	:	:	PUNCT
ajam-248	85	17	correlation	correlation	NOUN
ajam-248	85	18	coefficicients	coefficicient	NOUN
ajam-248	85	19	for	for	ADP
ajam-248	85	20	capital	capital	NOUN
ajam-248	85	21	formation	formation	NOUN
ajam-248	85	22	rate	rate	NOUN
ajam-248	85	23	and	and	CCONJ
ajam-248	85	24	its	its	PRON
ajam-248	85	25	determinants	determinant	NOUN
ajam-248	85	26	for	for	ADP
ajam-248	85	27	ngos	ngo	NOUN
ajam-248	85	28	and	and	CCONJ
ajam-248	85	29	cooperative	cooperative	ADJ
ajam-248	85	30	.	.	PUNCT
ajam-248	86	1	determinant	determinant	ADJ
ajam-248	86	2	correlation	correlation	NOUN
ajam-248	86	3	coefficients	coefficient	NOUN
ajam-248	86	4	ngos	ngo	VERB
ajam-248	86	5	cooperatives	cooperative	NOUN
ajam-248	86	6	(	(	PUNCT
ajam-248	86	7	sources	source	NOUN
ajam-248	86	8	of	of	ADP
ajam-248	86	9	funds	fund	NOUN
ajam-248	86	10	)	)	PUNCT
ajam-248	86	11	0.912	0.912	NUM
ajam-248	86	12	nil	nil	NOUN
ajam-248	86	13	(	(	PUNCT
ajam-248	86	14	motivation	motivation	NOUN
ajam-248	86	15	of	of	ADP
ajam-248	86	16	members	member	NOUN
ajam-248	86	17	)	)	PUNCT
ajam-248	86	18	nil	nil	NOUN
ajam-248	86	19	0.487	0.487	ADJ
ajam-248	86	20	(	(	PUNCT
ajam-248	86	21	lending	lending	NOUN
ajam-248	86	22	rate	rate	NOUN
ajam-248	86	23	)	)	PUNCT
ajam-248	86	24	0.837	0.837	NUM
ajam-248	86	25	0.561	0.561	NUM
ajam-248	86	26	(	(	PUNCT
ajam-248	86	27	loan	loan	NOUN
ajam-248	86	28	repayment	repayment	NOUN
ajam-248	86	29	rate	rate	NOUN
ajam-248	86	30	)	)	PUNCT
ajam-248	86	31	0.832	0.832	NUM
ajam-248	86	32	0.768	0.768	NUM
ajam-248	86	33	(	(	PUNCT
ajam-248	86	34	savings	saving	NOUN
ajam-248	86	35	rate	rate	NOUN
ajam-248	86	36	by	by	ADP
ajam-248	86	37	clients	client	NOUN
ajam-248	86	38	)	)	PUNCT
ajam-248	86	39	0.853	0.853	NUM
ajam-248	86	40	0.922	0.922	NUM
ajam-248	86	41	(	(	PUNCT
ajam-248	86	42	membership	membership	NOUN
ajam-248	86	43	participation	participation	NOUN
ajam-248	86	44	index	index	NOUN
ajam-248	86	45	)	)	PUNCT
ajam-248	86	46	0.398	0.398	NUM
ajam-248	86	47	*	*	PUNCT
ajam-248	86	48	*	*	PUNCT
ajam-248	86	49	0.915	0.915	NUM
ajam-248	86	50	source	source	NOUN
ajam-248	86	51	:	:	PUNCT
ajam-248	86	52	survey	survey	NOUN
ajam-248	86	53	data	datum	NOUN
ajam-248	86	54	,	,	PUNCT
ajam-248	86	55	2005	2005	NUM
ajam-248	86	56	.	.	PUNCT
ajam-248	87	1			X
ajam-248	87	2	all	all	DET
ajam-248	87	3	ngos	ngo	NOUN
ajam-248	87	4	had	have	VERB
ajam-248	87	5	no	no	DET
ajam-248	87	6	motivation	motivation	NOUN
ajam-248	87	7	programmes	programme	NOUN
ajam-248	87	8	*	*	PUNCT
ajam-248	87	9	*	*	PUNCT
ajam-248	87	10	significant	significant	ADJ
ajam-248	87	11	at	at	ADP
ajam-248	87	12	5%	5%	NUM
ajam-248	87	13	all	all	DET
ajam-248	87	14	other	other	ADJ
ajam-248	87	15	coefficients	coefficient	NOUN
ajam-248	87	16	are	be	AUX
ajam-248	87	17	significant	significant	ADJ
ajam-248	87	18	at	at	ADP
ajam-248	87	19	1	1	NUM
ajam-248	87	20	%	%	NOUN
ajam-248	87	21	.	.	PUNCT
ajam-248	88	1	cooperatives	cooperative	NOUN
ajam-248	88	2	had	have	VERB
ajam-248	88	3	no	no	DET
ajam-248	88	4	external	external	ADJ
ajam-248	88	5	sources.	sources.	NOUN
ajam-248	88	6	exists	exist	VERB
ajam-248	88	7	or	or	CCONJ
ajam-248	88	8	not	not	PART
ajam-248	88	9	,	,	PUNCT
ajam-248	88	10	the	the	DET
ajam-248	88	11	cooperatives	cooperative	NOUN
ajam-248	88	12	would	would	AUX
ajam-248	88	13	have	have	VERB
ajam-248	88	14	100	100	NUM
ajam-248	88	15	%	%	NOUN
ajam-248	88	16	sustainability	sustainability	NOUN
ajam-248	88	17	level	level	NOUN
ajam-248	88	18	whereas	whereas	SCONJ
ajam-248	88	19	the	the	DET
ajam-248	88	20	ngos	ngo	NOUN
ajam-248	88	21	would	would	AUX
ajam-248	88	22	have	have	VERB
ajam-248	88	23	just	just	ADV
ajam-248	88	24	about	about	ADV
ajam-248	88	25	25	25	NUM
ajam-248	88	26	%	%	NOUN
ajam-248	88	27	which	which	PRON
ajam-248	88	28	might	might	AUX
ajam-248	88	29	be	be	AUX
ajam-248	88	30	an	an	DET
ajam-248	88	31	indication	indication	NOUN
ajam-248	88	32	of	of	ADP
ajam-248	88	33	phasing	phase	VERB
ajam-248	88	34	out	out	ADP
ajam-248	88	35	the	the	DET
ajam-248	88	36	credit	credit	NOUN
ajam-248	88	37	delivery	delivery	NOUN
ajam-248	88	38	function	function	NOUN
ajam-248	88	39	from	from	ADP
ajam-248	88	40	their	their	PRON
ajam-248	88	41	programmes	programme	NOUN
ajam-248	88	42	if	if	SCONJ
ajam-248	88	43	subsidies	subsidy	NOUN
ajam-248	88	44	are	be	AUX
ajam-248	88	45	withdrawn	withdraw	VERB
ajam-248	88	46	.	.	PUNCT
ajam-248	89	1	capital	capital	NOUN
ajam-248	89	2	formation	formation	NOUN
ajam-248	89	3	rates	rate	NOUN
ajam-248	89	4	(	(	PUNCT
ajam-248	89	5	rc	rc	PROPN
ajam-248	89	6	)	)	PUNCT
ajam-248	89	7	the	the	DET
ajam-248	89	8	computed	compute	VERB
ajam-248	89	9	capital	capital	NOUN
ajam-248	89	10	formation	formation	NOUN
ajam-248	89	11	rates	rate	NOUN
ajam-248	89	12	showed	show	VERB
ajam-248	89	13	an	an	DET
ajam-248	89	14	average	average	ADJ
ajam-248	89	15	rate	rate	NOUN
ajam-248	89	16	of	of	ADP
ajam-248	89	17	18.15	18.15	NUM
ajam-248	89	18	%	%	NOUN
ajam-248	89	19	(	(	PUNCT
ajam-248	89	20	0.1815	0.1815	NUM
ajam-248	89	21	)	)	PUNCT
ajam-248	89	22	for	for	ADP
ajam-248	89	23	the	the	DET
ajam-248	89	24	cooperative	cooperative	ADJ
ajam-248	89	25	societies	society	NOUN
ajam-248	89	26	and	and	CCONJ
ajam-248	89	27	12.3	12.3	NUM
ajam-248	89	28	%	%	NOUN
ajam-248	89	29	(	(	PUNCT
ajam-248	89	30	0.123	0.123	NUM
ajam-248	89	31	)	)	PUNCT
ajam-248	89	32	for	for	ADP
ajam-248	89	33	the	the	DET
ajam-248	89	34	ngos	ngo	NOUN
ajam-248	89	35	.	.	PUNCT
ajam-248	90	1	on	on	ADP
ajam-248	90	2	the	the	DET
ajam-248	90	3	basis	basis	NOUN
ajam-248	90	4	of	of	ADP
ajam-248	90	5	the	the	DET
ajam-248	90	6	assumption	assumption	NOUN
ajam-248	90	7	earlier	early	ADV
ajam-248	90	8	stated	state	VERB
ajam-248	90	9	,	,	PUNCT
ajam-248	90	10	the	the	DET
ajam-248	90	11	capital	capital	NOUN
ajam-248	90	12	formation	formation	NOUN
ajam-248	90	13	rate	rate	NOUN
ajam-248	90	14	was	be	AUX
ajam-248	90	15	equated	equate	VERB
ajam-248	90	16	to	to	ADP
ajam-248	90	17	the	the	DET
ajam-248	90	18	sustainability	sustainability	NOUN
ajam-248	90	19	rate	rate	NOUN
ajam-248	90	20	of	of	ADP
ajam-248	90	21	the	the	DET
ajam-248	90	22	lending	lending	NOUN
ajam-248	90	23	institution	institution	NOUN
ajam-248	90	24	as	as	SCONJ
ajam-248	90	25	regards	regard	VERB
ajam-248	90	26	the	the	DET
ajam-248	90	27	credit	credit	NOUN
ajam-248	90	28	delivery	delivery	NOUN
ajam-248	90	29	function	function	NOUN
ajam-248	90	30	,	,	PUNCT
ajam-248	90	31	the	the	DET
ajam-248	90	32	sources	source	NOUN
ajam-248	90	33	of	of	ADP
ajam-248	90	34	funds	fund	NOUN
ajam-248	90	35	not	not	PART
ajam-248	90	36	withstanding	withstand	VERB
ajam-248	90	37	.	.	PUNCT
ajam-248	91	1	in	in	ADP
ajam-248	91	2	line	line	NOUN
ajam-248	91	3	with	with	ADP
ajam-248	91	4	this	this	PRON
ajam-248	91	5	,	,	PUNCT
ajam-248	91	6	the	the	DET
ajam-248	91	7	figures	figure	NOUN
ajam-248	91	8	above	above	ADV
ajam-248	91	9	indicate	indicate	VERB
ajam-248	91	10	a	a	DET
ajam-248	91	11	slightly	slightly	ADV
ajam-248	91	12	higher	high	ADJ
ajam-248	91	13	sustainability	sustainability	NOUN
ajam-248	91	14	rate	rate	NOUN
ajam-248	91	15	for	for	ADP
ajam-248	91	16	the	the	DET
ajam-248	91	17	cooperative	cooperative	ADJ
ajam-248	91	18	societies	society	NOUN
ajam-248	91	19	than	than	ADP
ajam-248	91	20	the	the	DET
ajam-248	91	21	ngos	ngo	NOUN
ajam-248	91	22	which	which	PRON
ajam-248	91	23	also	also	ADV
ajam-248	91	24	confirms	confirm	VERB
ajam-248	91	25	the	the	DET
ajam-248	91	26	results	result	NOUN
ajam-248	91	27	of	of	ADP
ajam-248	91	28	the	the	DET
ajam-248	91	29	sdi	sdi	PROPN
ajam-248	91	30	analysis	analysis	NOUN
ajam-248	91	31	.	.	PUNCT
ajam-248	92	1	this	this	PRON
ajam-248	92	2	may	may	AUX
ajam-248	92	3	probably	probably	ADV
ajam-248	92	4	indicate	indicate	VERB
ajam-248	92	5	higher	high	ADJ
ajam-248	92	6	reliability	reliability	NOUN
ajam-248	92	7	on	on	ADP
ajam-248	92	8	the	the	DET
ajam-248	92	9	sources	source	NOUN
ajam-248	92	10	of	of	ADP
ajam-248	92	11	funds	fund	NOUN
ajam-248	92	12	for	for	ADP
ajam-248	92	13	the	the	DET
ajam-248	92	14	cooperatives	cooperative	NOUN
ajam-248	92	15	than	than	ADP
ajam-248	92	16	those	those	PRON
ajam-248	92	17	for	for	ADP
ajam-248	92	18	the	the	DET
ajam-248	92	19	ngos	ngo	NOUN
ajam-248	92	20	.	.	PUNCT
ajam-248	93	1	these	these	DET
ajam-248	93	2	rates	rate	NOUN
ajam-248	93	3	are	be	AUX
ajam-248	93	4	however	however	ADV
ajam-248	93	5	too	too	ADV
ajam-248	93	6	low	low	ADJ
ajam-248	93	7	for	for	ADP
ajam-248	93	8	both	both	DET
ajam-248	93	9	organization	organization	NOUN
ajam-248	93	10	which	which	PRON
ajam-248	93	11	indicates	indicate	VERB
ajam-248	93	12	low	low	ADJ
ajam-248	93	13	sustainability	sustainability	NOUN
ajam-248	93	14	in	in	ADP
ajam-248	93	15	line	line	NOUN
ajam-248	93	16	with	with	ADP
ajam-248	93	17	world	world	PROPN
ajam-248	93	18	bank	bank	PROPN
ajam-248	93	19	(	(	PUNCT
ajam-248	93	20	1998	1998	NUM
ajam-248	93	21	)	)	PUNCT
ajam-248	93	22	.	.	PUNCT
ajam-248	94	1	determinants	determinant	NOUN
ajam-248	94	2	of	of	ADP
ajam-248	94	3	the	the	DET
ajam-248	94	4	capital	capital	NOUN
ajam-248	94	5	formation	formation	NOUN
ajam-248	94	6	rate	rate	NOUN
ajam-248	94	7	major	major	ADJ
ajam-248	94	8	determinants	determinant	NOUN
ajam-248	94	9	of	of	ADP
ajam-248	94	10	the	the	DET
ajam-248	94	11	capital	capital	NOUN
ajam-248	94	12	formation	formation	NOUN
ajam-248	94	13	rates	rate	NOUN
ajam-248	94	14	for	for	ADP
ajam-248	94	15	both	both	DET
ajam-248	94	16	organizations	organization	NOUN
ajam-248	94	17	were	be	AUX
ajam-248	94	18	the	the	DET
ajam-248	94	19	external	external	ADJ
ajam-248	94	20	sources	source	NOUN
ajam-248	94	21	of	of	ADP
ajam-248	94	22	funds	fund	NOUN
ajam-248	94	23	,	,	PUNCT
ajam-248	94	24	lending	lending	NOUN
ajam-248	94	25	rates	rate	NOUN
ajam-248	94	26	,	,	PUNCT
ajam-248	94	27	loan	loan	NOUN
ajam-248	94	28	repayment	repayment	NOUN
ajam-248	94	29	rates	rate	NOUN
ajam-248	94	30	,	,	PUNCT
ajam-248	94	31	savings	saving	NOUN
ajam-248	94	32	rate	rate	NOUN
ajam-248	94	33	by	by	ADP
ajam-248	94	34	members	member	NOUN
ajam-248	94	35	/	/	SYM
ajam-248	94	36	clients	client	NOUN
ajam-248	94	37	,	,	PUNCT
ajam-248	94	38	motivation	motivation	NOUN
ajam-248	94	39	of	of	ADP
ajam-248	94	40	members	member	NOUN
ajam-248	94	41	and	and	CCONJ
ajam-248	94	42	membership	membership	NOUN
ajam-248	94	43	participation	participation	NOUN
ajam-248	94	44	index	index	NOUN
ajam-248	94	45	.	.	PUNCT
ajam-248	95	1	correlation	correlation	NOUN
ajam-248	95	2	analysis	analysis	NOUN
ajam-248	95	3	between	between	ADP
ajam-248	95	4	these	these	DET
ajam-248	95	5	determinants	determinant	NOUN
ajam-248	95	6	and	and	CCONJ
ajam-248	95	7	the	the	DET
ajam-248	95	8	capital	capital	NOUN
ajam-248	95	9	formation	formation	NOUN
ajam-248	95	10	rate	rate	NOUN
ajam-248	95	11	for	for	ADP
ajam-248	95	12	each	each	DET
ajam-248	95	13	organization	organization	NOUN
ajam-248	95	14	is	be	AUX
ajam-248	95	15	given	give	VERB
ajam-248	95	16	in	in	ADP
ajam-248	95	17	table	table	NOUN
ajam-248	95	18	2	2	NUM
ajam-248	95	19	.	.	PUNCT
ajam-248	96	1	the	the	DET
ajam-248	96	2	results	result	NOUN
ajam-248	96	3	showed	show	VERB
ajam-248	96	4	that	that	SCONJ
ajam-248	96	5	external	external	ADJ
ajam-248	96	6	sources	source	NOUN
ajam-248	96	7	had	have	VERB
ajam-248	96	8	the	the	DET
ajam-248	96	9	highest	high	ADJ
ajam-248	96	10	correlation	correlation	NOUN
ajam-248	96	11	coefficient	coefficient	NOUN
ajam-248	96	12	for	for	ADP
ajam-248	96	13	ngos	ngo	NOUN
ajam-248	96	14	while	while	SCONJ
ajam-248	96	15	savings	saving	NOUN
ajam-248	96	16	rate	rate	NOUN
ajam-248	96	17	and	and	CCONJ
ajam-248	96	18	membership	membership	NOUN
ajam-248	96	19	participation	participation	NOUN
ajam-248	96	20	index	index	NOUN
ajam-248	96	21	(	(	PUNCT
ajam-248	96	22	mpi	mpi	PROPN
ajam-248	96	23	)	)	PUNCT
ajam-248	96	24	had	have	VERB
ajam-248	96	25	high	high	ADJ
ajam-248	96	26	coefficients	coefficient	NOUN
ajam-248	96	27	for	for	ADP
ajam-248	96	28	the	the	DET
ajam-248	96	29	cooperatives	cooperative	NOUN
ajam-248	96	30	.	.	PUNCT
ajam-248	97	1	the	the	DET
ajam-248	97	2	implication	implication	NOUN
ajam-248	97	3	here	here	ADV
ajam-248	97	4	is	be	AUX
ajam-248	97	5	that	that	SCONJ
ajam-248	97	6	the	the	DET
ajam-248	97	7	capital	capital	NOUN
ajam-248	97	8	formation	formation	NOUN
ajam-248	97	9	rate	rate	NOUN
ajam-248	97	10	depends	depend	VERB
ajam-248	97	11	highly	highly	ADV
ajam-248	97	12	on	on	ADP
ajam-248	97	13	the	the	DET
ajam-248	97	14	external	external	ADJ
ajam-248	97	15	sources	source	NOUN
ajam-248	97	16	of	of	ADP
ajam-248	97	17	finance	finance	NOUN
ajam-248	97	18	for	for	ADP
ajam-248	97	19	the	the	DET
ajam-248	97	20	ngos	ngo	NOUN
ajam-248	97	21	while	while	SCONJ
ajam-248	97	22	for	for	ADP
ajam-248	97	23	the	the	DET
ajam-248	97	24	cooperatives	cooperative	NOUN
ajam-248	97	25	it	it	PRON
ajam-248	97	26	depended	depend	VERB
ajam-248	97	27	on	on	ADP
ajam-248	97	28	the	the	DET
ajam-248	97	29	willingness	willingness	NOUN
ajam-248	97	30	of	of	ADP
ajam-248	97	31	members	member	NOUN
ajam-248	97	32	to	to	PART
ajam-248	97	33	save	save	VERB
ajam-248	97	34	and	and	CCONJ
ajam-248	97	35	participate	participate	VERB
ajam-248	97	36	highly	highly	ADV
ajam-248	97	37	in	in	ADP
ajam-248	97	38	the	the	DET
ajam-248	97	39	cooperative	cooperative	ADJ
ajam-248	97	40	activities	activity	NOUN
ajam-248	97	41	especially	especially	ADV
ajam-248	97	42	in	in	ADP
ajam-248	97	43	paying	pay	VERB
ajam-248	97	44	their	their	PRON
ajam-248	97	45	contributions	contribution	NOUN
ajam-248	97	46	/	/	SYM
ajam-248	97	47	savings	saving	NOUN
ajam-248	97	48	.	.	PUNCT
ajam-248	98	1	conclusion	conclusion	NOUN
ajam-248	98	2	and	and	CCONJ
ajam-248	98	3	recommendations	recommendation	NOUN
ajam-248	98	4	the	the	DET
ajam-248	98	5	study	study	NOUN
ajam-248	98	6	looked	look	VERB
ajam-248	98	7	at	at	ADP
ajam-248	98	8	the	the	DET
ajam-248	98	9	sustainability	sustainability	NOUN
ajam-248	98	10	rates	rate	NOUN
ajam-248	98	11	of	of	ADP
ajam-248	98	12	ngos	ngo	NOUN
ajam-248	98	13	and	and	CCONJ
ajam-248	98	14	cooperatives	cooperative	NOUN
ajam-248	98	15	in	in	ADP
ajam-248	98	16	farm	farm	NOUN
ajam-248	98	17	credit	credit	NOUN
ajam-248	98	18	delivery	delivery	NOUN
ajam-248	98	19	through	through	ADP
ajam-248	98	20	their	their	PRON
ajam-248	98	21	subsidy	subsidy	NOUN
ajam-248	98	22	dependence	dependence	NOUN
ajam-248	98	23	indices	index	NOUN
ajam-248	98	24	and	and	CCONJ
ajam-248	98	25	capital	capital	NOUN
ajam-248	98	26	formation	formation	NOUN
ajam-248	98	27	rates	rate	NOUN
ajam-248	98	28	.	.	PUNCT
ajam-248	99	1	summarily	summarily	ADV
ajam-248	99	2	,	,	PUNCT
ajam-248	99	3	the	the	DET
ajam-248	99	4	findings	finding	NOUN
ajam-248	99	5	were	be	AUX
ajam-248	99	6	that	that	SCONJ
ajam-248	99	7	,	,	PUNCT
ajam-248	99	8	the	the	DET
ajam-248	99	9	cooperatives	cooperative	NOUN
ajam-248	99	10	had	have	VERB
ajam-248	99	11	an	an	DET
ajam-248	99	12	sdi	sdi	NOUN
ajam-248	99	13	of	of	ADP
ajam-248	99	14	zero	zero	NUM
ajam-248	99	15	with	with	ADP
ajam-248	99	16	0.1815	0.1815	NUM
ajam-248	99	17	capital	capital	NOUN
ajam-248	99	18	formation	formation	NOUN
ajam-248	99	19	rate	rate	NOUN
ajam-248	99	20	,	,	PUNCT
ajam-248	99	21	depending	depend	VERB
ajam-248	99	22	solely	solely	ADV
ajam-248	99	23	on	on	ADP
ajam-248	99	24	internal	internal	ADJ
ajam-248	99	25	sources	source	NOUN
ajam-248	99	26	with	with	ADP
ajam-248	99	27	capital	capital	NOUN
ajam-248	99	28	building	building	NOUN
ajam-248	99	29	relying	rely	VERB
ajam-248	99	30	mainly	mainly	ADV
ajam-248	99	31	on	on	ADP
ajam-248	99	32	savings	saving	NOUN
ajam-248	99	33	by	by	ADP
ajam-248	99	34	members	member	NOUN
ajam-248	99	35	and	and	CCONJ
ajam-248	99	36	membership	membership	NOUN
ajam-248	99	37	participation	participation	NOUN
ajam-248	99	38	index	index	NOUN
ajam-248	99	39	.	.	PUNCT
ajam-248	100	1	whereas	whereas	SCONJ
ajam-248	100	2	,	,	PUNCT
ajam-248	100	3	the	the	DET
ajam-248	100	4	ngos	ngo	NOUN
ajam-248	100	5	had	have	VERB
ajam-248	100	6	0.7642	0.7642	VERB
ajam-248	100	7	sdi	sdi	NOUN
ajam-248	100	8	with	with	ADP
ajam-248	100	9	a	a	DET
ajam-248	100	10	capital	capital	NOUN
ajam-248	100	11	formation	formation	NOUN
ajam-248	100	12	rate	rate	NOUN
ajam-248	100	13	of	of	ADP
ajam-248	100	14	0.123	0.123	NUM
ajam-248	100	15	and	and	CCONJ
ajam-248	100	16	relied	rely	VERB
ajam-248	100	17	mainly	mainly	ADV
ajam-248	100	18	on	on	ADP
ajam-248	100	19	external	external	ADJ
ajam-248	100	20	sources	source	NOUN
ajam-248	100	21	of	of	ADP
ajam-248	100	22	loanable	loanable	ADJ
ajam-248	100	23	funds	fund	NOUN
ajam-248	100	24	.	.	PUNCT
ajam-248	101	1	the	the	DET
ajam-248	101	2	paper	paper	NOUN
ajam-248	101	3	therefore	therefore	ADV
ajam-248	101	4	concludes	conclude	VERB
ajam-248	101	5	that	that	SCONJ
ajam-248	101	6	the	the	DET
ajam-248	101	7	sustainability	sustainability	NOUN
ajam-248	101	8	rate	rate	NOUN
ajam-248	101	9	is	be	AUX
ajam-248	101	10	low	low	ADJ
ajam-248	101	11	and	and	CCONJ
ajam-248	101	12	the	the	DET
ajam-248	101	13	cooperatives	cooperative	NOUN
ajam-248	101	14	had	have	VERB
ajam-248	101	15	an	an	DET
ajam-248	101	16	edge	edge	NOUN
ajam-248	101	17	over	over	ADP
ajam-248	101	18	the	the	DET
ajam-248	101	19	ngos	ngo	NOUN
ajam-248	101	20	since	since	SCONJ
ajam-248	101	21	they	they	PRON
ajam-248	101	22	had	have	VERB
ajam-248	101	23	a	a	DET
ajam-248	101	24	higher	high	ADJ
ajam-248	101	25	sustainability	sustainability	NOUN
ajam-248	101	26	rate	rate	NOUN
ajam-248	101	27	with	with	ADP
ajam-248	101	28	zero	zero	NUM
ajam-248	101	29	sdi	sdi	NOUN
ajam-248	101	30	.	.	PUNCT
ajam-248	102	1	it	it	PRON
ajam-248	102	2	is	be	AUX
ajam-248	102	3	therefore	therefore	ADV
ajam-248	102	4	recommended	recommend	VERB
ajam-248	102	5	that	that	SCONJ
ajam-248	102	6	both	both	DET
ajam-248	102	7	organizations	organization	NOUN
ajam-248	102	8	seek	seek	VERB
ajam-248	102	9	better	well	ADJ
ajam-248	102	10	strategies	strategy	NOUN
ajam-248	102	11	of	of	ADP
ajam-248	102	12	building	build	VERB
ajam-248	102	13	their	their	PRON
ajam-248	102	14	capital	capital	NOUN
ajam-248	102	15	.	.	PUNCT
ajam-248	103	1	more	more	ADJ
ajam-248	103	2	avenues	avenue	NOUN
ajam-248	103	3	of	of	ADP
ajam-248	103	4	internally	internally	ADV
ajam-248	103	5	generated	generate	VERB
ajam-248	103	6	revenue	revenue	NOUN
ajam-248	103	7	should	should	AUX
ajam-248	103	8	be	be	AUX
ajam-248	103	9	exploited	exploit	VERB
ajam-248	103	10	to	to	PART
ajam-248	103	11	improve	improve	VERB
ajam-248	103	12	on	on	ADP
ajam-248	103	13	their	their	PRON
ajam-248	103	14	capital	capital	NOUN
ajam-248	103	15	formation	formation	NOUN
ajam-248	103	16	rates	rate	NOUN
ajam-248	103	17	.	.	PUNCT
ajam-248	104	1	it	it	PRON
ajam-248	104	2	is	be	AUX
ajam-248	104	3	equally	equally	ADV
ajam-248	104	4	recommended	recommend	VERB
ajam-248	104	5	that	that	SCONJ
ajam-248	104	6	some	some	DET
ajam-248	104	7	level	level	NOUN
ajam-248	104	8	of	of	ADP
ajam-248	104	9	external	external	ADJ
ajam-248	104	10	funding	funding	NOUN
ajam-248	104	11	may	may	AUX
ajam-248	104	12	be	be	AUX
ajam-248	104	13	needed	need	VERB
ajam-248	104	14	by	by	ADP
ajam-248	104	15	cooperatives	cooperative	NOUN
ajam-248	104	16	to	to	PART
ajam-248	104	17	augment	augment	VERB
ajam-248	104	18	their	their	PRON
ajam-248	104	19	capital	capital	NOUN
ajam-248	104	20	formation	formation	NOUN
ajam-248	104	21	to	to	PART
ajam-248	104	22	improve	improve	VERB
ajam-248	104	23	their	their	PRON
ajam-248	104	24	loan	loan	NOUN
ajam-248	104	25	volumes	volume	NOUN
ajam-248	104	26	.	.	PUNCT
ajam-248	105	1	however	however	ADV
ajam-248	105	2	,	,	PUNCT
ajam-248	105	3	cooperatives	cooperative	NOUN
ajam-248	105	4	may	may	AUX
ajam-248	105	5	be	be	AUX
ajam-248	105	6	recommended	recommend	VERB
ajam-248	105	7	as	as	ADP
ajam-248	105	8	a	a	DET
ajam-248	105	9	better	well	ADJ
ajam-248	105	10	channel	channel	NOUN
ajam-248	105	11	of	of	ADP
ajam-248	105	12	credit	credit	NOUN
ajam-248	105	13	delivery	delivery	NOUN
ajam-248	105	14	to	to	ADP
ajam-248	105	15	farmers	farmer	NOUN
ajam-248	105	16	in	in	ADP
ajam-248	105	17	terms	term	NOUN
ajam-248	105	18	of	of	ADP
ajam-248	105	19	ability	ability	NOUN
ajam-248	105	20	to	to	PART
ajam-248	105	21	sustain	sustain	VERB
ajam-248	105	22	the	the	DET
ajam-248	105	23	loan	loan	NOUN
ajam-248	105	24	delivery	delivery	NOUN
ajam-248	105	25	function	function	NOUN
ajam-248	105	26	.	.	PUNCT
ajam-248	106	1	references	reference	NOUN
ajam-248	106	2	aryeetey	aryeetey	PROPN
ajam-248	106	3	t	t	PROPN
ajam-248	106	4	(	(	PUNCT
ajam-248	106	5	1997	1997	NUM
ajam-248	106	6	)	)	PUNCT
ajam-248	106	7	.	.	PUNCT
ajam-248	107	1	―rural	―rural	ADJ
ajam-248	107	2	finance	finance	NOUN
ajam-248	107	3	in	in	ADP
ajam-248	107	4	africa	africa	PROPN
ajam-248	107	5	:	:	PUNCT
ajam-248	107	6	institutional	institutional	ADJ
ajam-248	107	7	developments	development	NOUN
ajam-248	107	8	and	and	CCONJ
ajam-248	107	9	access	access	NOUN
ajam-248	107	10	for	for	ADP
ajam-248	107	11	the	the	DET
ajam-248	107	12	poor‖	poor‖	NOUN
ajam-248	107	13	in	in	ADP
ajam-248	107	14	:	:	PUNCT
ajam-248	107	15	m	m	VERB
ajam-248	107	16	bruno	bruno	PROPN
ajam-248	107	17	,	,	PUNCT
ajam-248	107	18	b	b	PROPN
ajam-248	107	19	pleskovic	pleskovic	NOUN
ajam-248	107	20	(	(	PUNCT
ajam-248	107	21	eds	ed	NOUN
ajam-248	107	22	)	)	PUNCT
ajam-248	107	23	.	.	PUNCT
ajam-248	108	1	proc	proc	PROPN
ajam-248	108	2	.	.	PUNCT
ajam-248	109	1	of	of	ADP
ajam-248	109	2	the	the	DET
ajam-248	109	3	annual	annual	ADJ
ajam-248	109	4	world	world	NOUN
ajam-248	109	5	bank	bank	PROPN
ajam-248	109	6	conference	conference	NOUN
ajam-248	109	7	on	on	ADP
ajam-248	109	8	development	development	NOUN
ajam-248	109	9	economics	economic	NOUN
ajam-248	109	10	.	.	PUNCT
ajam-248	110	1	washington	washington	PROPN
ajam-248	110	2	d.c	d.c	PROPN
ajam-248	110	3	.	.	PUNCT
ajam-248	111	1	pp	pp	PROPN
ajam-248	111	2	.	.	PUNCT
ajam-248	112	1	149	149	NUM
ajam-248	112	2	-	-	SYM
ajam-248	112	3	154	154	NUM
ajam-248	112	4	.	.	PUNCT
ajam-248	113	1	cgap	cgap	NOUN
ajam-248	113	2	(	(	PUNCT
ajam-248	113	3	1996	1996	NUM
ajam-248	113	4	)	)	PUNCT
ajam-248	113	5	.	.	PUNCT
ajam-248	114	1	financial	financial	ADJ
ajam-248	114	2	sustainability	sustainability	NOUN
ajam-248	114	3	,	,	PUNCT
ajam-248	114	4	targetting	targette	VERB
ajam-248	114	5	the	the	DET
ajam-248	114	6	poorest	poor	ADJ
ajam-248	114	7	and	and	CCONJ
ajam-248	114	8	income	income	NOUN
ajam-248	114	9	impact	impact	NOUN
ajam-248	114	10	:	:	PUNCT
ajam-248	114	11	are	be	AUX
ajam-248	114	12	there	there	PRON
ajam-248	114	13	tradeoffs	tradeoff	NOUN
ajam-248	114	14	for	for	ADP
ajam-248	114	15	microfinance	microfinance	NOUN
ajam-248	114	16	institutions‖	institutions‖	NOUN
ajam-248	114	17	focus	focus	NOUN
ajam-248	114	18	notes	note	NOUN
ajam-248	114	19	,	,	PUNCT
ajam-248	114	20	no	no	INTJ
ajam-248	114	21	.	.	NOUN
ajam-248	114	22	5	5	NUM
ajam-248	114	23	.	.	X
ajam-248	114	24	ijere	ijere	PROPN
ajam-248	114	25	mo	mo	PROPN
ajam-248	114	26	(	(	PUNCT
ajam-248	114	27	1998	1998	NUM
ajam-248	114	28	)	)	PUNCT
ajam-248	114	29	.	.	PUNCT
ajam-248	115	1	―agricultural	―agricultural	ADJ
ajam-248	115	2	credit	credit	NOUN
ajam-248	115	3	and	and	CCONJ
ajam-248	115	4	economic	economic	ADJ
ajam-248	115	5	development	development	NOUN
ajam-248	115	6	.	.	PUNCT
ajam-248	116	1	in	in	ADP
ajam-248	116	2	:	:	PUNCT
ajam-248	116	3	ijere	ijere	PROPN
ajam-248	116	4	mo	mo	PROPN
ajam-248	116	5	,	,	PUNCT
ajam-248	116	6	okorie	okorie	ADV
ajam-248	116	7	a	a	DET
ajam-248	116	8	(	(	PUNCT
ajam-248	116	9	eds	ed	NOUN
ajam-248	116	10	)	)	PUNCT
ajam-248	116	11	readings	reading	NOUN
ajam-248	116	12	in	in	ADP
ajam-248	116	13	agricultural	agricultural	ADJ
ajam-248	116	14	finance	finance	NOUN
ajam-248	116	15	longman	longman	NOUN
ajam-248	116	16	lagos	lago	NOUN
ajam-248	116	17	,	,	PUNCT
ajam-248	116	18	pp	pp	ADV
ajam-248	116	19	.	.	PUNCT
ajam-248	117	1	4	4	NUM
ajam-248	117	2	-	-	SYM
ajam-248	117	3	9	9	NUM
ajam-248	117	4	.	.	NOUN
ajam-248	117	5	maclsaac	maclsaac	ADJ
ajam-248	117	6	n	n	PROPN
ajam-248	117	7	(	(	PUNCT
ajam-248	117	8	1996	1996	NUM
ajam-248	117	9	)	)	PUNCT
ajam-248	117	10	.	.	PUNCT
ajam-248	118	1	―micro	―micro	ADJ
ajam-248	118	2	-	-	NOUN
ajam-248	118	3	enterprise	enterprise	ADJ
ajam-248	118	4	support	support	NOUN
ajam-248	118	5	:	:	PUNCT
ajam-248	118	6	a	a	DET
ajam-248	118	7	critical	critical	ADJ
ajam-248	118	8	review‖	review‖	PROPN
ajam-248	118	9	a	a	DET
ajam-248	118	10	background	background	NOUN
ajam-248	118	11	paper	paper	NOUN
ajam-248	118	12	for	for	ADP
ajam-248	118	13	the	the	DET
ajam-248	118	14	micro	micro	NOUN
ajam-248	118	15	-	-	NOUN
ajam-248	118	16	enterprise	enterprise	ADJ
ajam-248	118	17	learning	learn	VERB
ajam-248	118	18	circle	circle	NOUN
ajam-248	118	19	prepared	prepare	VERB
ajam-248	118	20	for	for	ADP
ajam-248	118	21	the	the	DET
ajam-248	118	22	canadian	canadian	ADJ
ajam-248	118	23	council	council	PROPN
ajam-248	118	24	for	for	ADP
ajam-248	118	25	international	international	ADJ
ajam-248	118	26	cooperation	cooperation	NOUN
ajam-248	118	27	policy	policy	NOUN
ajam-248	118	28	team	team	NOUN
ajam-248	118	29	,	,	PUNCT
ajam-248	118	30	canada	canada	PROPN
ajam-248	118	31	.	.	PUNCT
ajam-248	119	1	oni	oni	PROPN
ajam-248	119	2	mk	mk	PROPN
ajam-248	119	3	(	(	PUNCT
ajam-248	119	4	1999	1999	NUM
ajam-248	119	5	)	)	PUNCT
ajam-248	119	6	.	.	PUNCT
ajam-248	120	1	―bank	―bank	ADJ
ajam-248	120	2	credit	credit	NOUN
ajam-248	120	3	facilities	facility	NOUN
ajam-248	120	4	for	for	ADP
ajam-248	120	5	small	small	ADJ
ajam-248	120	6	holder	holder	NOUN
ajam-248	120	7	farmer	farmer	NOUN
ajam-248	120	8	:	:	PUNCT
ajam-248	120	9	implications	implication	NOUN
ajam-248	120	10	for	for	ADP
ajam-248	120	11	food	food	NOUN
ajam-248	120	12	security	security	NOUN
ajam-248	120	13	in	in	ADP
ajam-248	120	14	nigeria	nigeria	PROPN
ajam-248	120	15	,	,	PUNCT
ajam-248	120	16	in	in	ADP
ajam-248	120	17	:	:	PUNCT
ajam-248	120	18	fabiyi	fabiyi	VERB
ajam-248	120	19	yl	yl	NOUN
ajam-248	120	20	,	,	PUNCT
ajam-248	120	21	idowu	idowu	NOUN
ajam-248	120	22	eo	eo	PROPN
ajam-248	120	23	(	(	PUNCT
ajam-248	120	24	eds	eds	PROPN
ajam-248	120	25	.	.	PUNCT
ajam-248	120	26	)	)	PUNCT
ajam-248	121	1	poverty	poverty	NOUN
ajam-248	121	2	alleviation	alleviation	NOUN
ajam-248	121	3	and	and	CCONJ
ajam-248	121	4	food	food	NOUN
ajam-248	121	5	security	security	NOUN
ajam-248	121	6	in	in	ADP
ajam-248	121	7	nigeria	nigeria	PROPN
ajam-248	121	8	naae	naae	PROPN
ajam-248	121	9	.	.	PUNCT
ajam-248	122	1	pp	pp	ADJ
ajam-248	122	2	.	.	PUNCT
ajam-248	123	1	342	342	NUM
ajam-248	123	2	-	-	SYM
ajam-248	123	3	348	348	NUM
ajam-248	123	4	.	.	PUNCT
ajam-248	124	1	vincent	vincent	PROPN
ajam-248	124	2	f	f	PROPN
ajam-248	124	3	(	(	PUNCT
ajam-248	124	4	1995	1995	NUM
ajam-248	124	5	)	)	PUNCT
ajam-248	124	6	.	.	PUNCT
ajam-248	125	1	alternative	alternative	ADJ
ajam-248	125	2	financing	financing	NOUN
ajam-248	125	3	of	of	ADP
ajam-248	125	4	third	third	ADJ
ajam-248	125	5	world	world	NOUN
ajam-248	125	6	development	development	NOUN
ajam-248	125	7	organizations	organization	NOUN
ajam-248	125	8	and	and	CCONJ
ajam-248	125	9	ngos	ngo	NOUN
ajam-248	125	10	,	,	PUNCT
ajam-248	125	11	ired	ire	VERB
ajam-248	125	12	geneva	geneva	PROPN
ajam-248	126	1	vol.1	vol.1	ADV
ajam-248	126	2	pp	pp	ADJ
ajam-248	126	3	.	.	PUNCT
ajam-248	127	1	17	17	NUM
ajam-248	127	2	-	-	SYM
ajam-248	127	3	18	18	NUM
ajam-248	127	4	.	.	PUNCT
ajam-248	128	1	world	world	PROPN
ajam-248	128	2	bank	bank	PROPN
ajam-248	128	3	(	(	PUNCT
ajam-248	128	4	1998	1998	NUM
ajam-248	128	5	)	)	PUNCT
ajam-248	128	6	.	.	PUNCT
ajam-248	129	1	a	a	DET
ajam-248	129	2	framework	framework	NOUN
ajam-248	129	3	for	for	ADP
ajam-248	129	4	world	world	PROPN
ajam-248	129	5	bank	bank	PROPN
ajam-248	129	6	group	group	NOUN
ajam-248	129	7	support	support	NOUN
ajam-248	129	8	for	for	ADP
ajam-248	129	9	the	the	DET
ajam-248	129	10	development	development	NOUN
ajam-248	129	11	of	of	ADP
ajam-248	129	12	micro	micro	PROPN
ajam-248	129	13	,	,	PUNCT
ajam-248	129	14	small	small	ADJ
ajam-248	129	15	enterprises	enterprise	NOUN
ajam-248	129	16	and	and	CCONJ
ajam-248	129	17	rural	rural	ADJ
ajam-248	129	18	finance	finance	NOUN
ajam-248	129	19	in	in	ADP
ajam-248	129	20	subsaharan	subsaharan	ADJ
ajam-248	129	21	african	african	PROPN
ajam-248	129	22	,	,	PUNCT
ajam-248	129	23	washington	washington	PROPN
ajam-248	129	24	d.c	d.c	PROPN
ajam-248	129	25	.	.	PUNCT
ajam-248	130	1	yaron	yaron	PROPN
ajam-248	130	2	j	j	PROPN
ajam-248	130	3	(	(	PUNCT
ajam-248	130	4	1992	1992	NUM
ajam-248	130	5	)	)	PUNCT
ajam-248	130	6	.	.	PUNCT
ajam-248	131	1	assessing	assess	VERB
ajam-248	131	2	development	development	NOUN
ajam-248	131	3	finance	finance	NOUN
ajam-248	131	4	institutions	institution	NOUN
ajam-248	131	5	:	:	PUNCT
ajam-248	131	6	a	a	DET
ajam-248	131	7	public	public	ADJ
ajam-248	131	8	interest	interest	NOUN
ajam-248	131	9	analysis	analysis	NOUN
ajam-248	131	10	.	.	PUNCT
ajam-248	132	1	world	world	PROPN
ajam-248	132	2	bank	bank	PROPN
ajam-248	132	3	discussion	discussion	NOUN
ajam-248	132	4	paper	paper	NOUN
ajam-248	132	5	no	no	DET
ajam-248	132	6	234	234	NUM
ajam-248	132	7	washington	washington	PROPN
ajam-248	132	8	d.c	d.c	PROPN
ajam-248	132	9	.	.	PUNCT
ajam-248	133	1	yaron	yaron	PROPN
ajam-248	133	2	j	j	PROPN
ajam-248	133	3	(	(	PUNCT
ajam-248	133	4	1997	1997	NUM
ajam-248	133	5	)	)	PUNCT
ajam-248	133	6	.	.	PUNCT
ajam-248	134	1	assessing	assess	VERB
ajam-248	134	2	development	development	NOUN
ajam-248	134	3	finance	finance	NOUN
ajam-248	134	4	institutions	institution	NOUN
ajam-248	134	5	:	:	PUNCT
ajam-248	134	6	a	a	DET
ajam-248	134	7	public	public	ADJ
ajam-248	134	8	interest	interest	NOUN
ajam-248	134	9	analysis	analysis	NOUN
ajam-248	134	10	.	.	PUNCT
ajam-248	135	1	world	world	PROPN
ajam-248	135	2	bank	bank	PROPN
ajam-248	135	3	discussion	discussion	NOUN
ajam-248	135	4	paper	paper	NOUN
ajam-248	135	5	no	no	DET
ajam-248	135	6	340	340	NUM
ajam-248	135	7	washington	washington	PROPN
ajam-248	135	8	d.c	d.c	PROPN
ajam-248	135	9	.	.	PUNCT