id	sid	tid	token	lemma	pos
aijes-6435	1	1	agora	agora	PROPN
aijes-6435	1	2	international	international	PROPN
aijes-6435	1	3	journal	journal	NOUN
aijes-6435	1	4	of	of	ADP
aijes-6435	1	5	economical	economical	ADJ
aijes-6435	1	6	sciences	science	NOUN
aijes-6435	1	7	,	,	PUNCT
aijes-6435	1	8	http://univagora.ro/jour/index.php/aijes	http://univagora.ro/jour/index.php/aijes	PRON
aijes-6435	1	9	issn	issn	PROPN
aijes-6435	1	10	2067	2067	NUM
aijes-6435	1	11	-	-	SYM
aijes-6435	1	12	3310	3310	NUM
aijes-6435	1	13	,	,	PUNCT
aijes-6435	1	14	e	e	X
aijes-6435	1	15	-	-	PUNCT
aijes-6435	1	16	issn	issn	PROPN
aijes-6435	1	17	2067	2067	NUM
aijes-6435	1	18	-	-	SYM
aijes-6435	1	19	7669	7669	NUM
aijes-6435	1	20	vol	vol	NOUN
aijes-6435	1	21	.	.	PROPN
aijes-6435	2	1	17	17	NUM
aijes-6435	2	2	,	,	PUNCT
aijes-6435	2	3	no	no	INTJ
aijes-6435	2	4	.	.	NOUN
aijes-6435	2	5	2	2	NUM
aijes-6435	2	6	(	(	PUNCT
aijes-6435	2	7	2023	2023	NUM
aijes-6435	2	8	)	)	PUNCT
aijes-6435	2	9	,	,	PUNCT
aijes-6435	2	10	pp	pp	PROPN
aijes-6435	2	11	.	.	PUNCT
aijes-6435	3	1	1	1	NUM
aijes-6435	3	2	-	-	SYM
aijes-6435	3	3	9	9	NUM
aijes-6435	3	4	1	1	NUM
aijes-6435	3	5	the	the	DET
aijes-6435	3	6	implementation	implementation	NOUN
aijes-6435	3	7	of	of	ADP
aijes-6435	3	8	digital	digital	ADJ
aijes-6435	3	9	channels	channel	NOUN
aijes-6435	3	10	in	in	ADP
aijes-6435	3	11	business	business	NOUN
aijes-6435	3	12	processes	process	NOUN
aijes-6435	3	13	and	and	CCONJ
aijes-6435	3	14	access	access	NOUN
aijes-6435	3	15	to	to	ADP
aijes-6435	3	16	finance	finance	NOUN
aijes-6435	3	17	for	for	ADP
aijes-6435	3	18	msmes	msme	NOUN
aijes-6435	3	19	in	in	ADP
aijes-6435	3	20	azerbaijan	azerbaijan	PROPN
aijes-6435	3	21	n.	n.	PROPN
aijes-6435	3	22	akhundzada	akhundzada	PROPN
aijes-6435	3	23	,	,	PUNCT
aijes-6435	3	24	i.	i.	PROPN
aijes-6435	3	25	rzayeva	rzayeva	PROPN
aijes-6435	3	26	nazrin	nazrin	PROPN
aijes-6435	3	27	akhundzada1	akhundzada1	PROPN
aijes-6435	3	28	,	,	PUNCT
aijes-6435	3	29	inara	inara	VERB
aijes-6435	3	30	rzayeva2	rzayeva2	PROPN
aijes-6435	3	31	azerbaijan	azerbaijan	PROPN
aijes-6435	3	32	state	state	PROPN
aijes-6435	3	33	university	university	PROPN
aijes-6435	3	34	of	of	ADP
aijes-6435	3	35	economics	economics	PROPN
aijes-6435	3	36	(	(	PUNCT
aijes-6435	3	37	unec	unec	PROPN
aijes-6435	3	38	)	)	PUNCT
aijes-6435	3	39	,	,	PUNCT
aijes-6435	3	40	azerbaijan	azerbaijan	PROPN
aijes-6435	3	41	1	1	NUM
aijes-6435	3	42	http://orcid.org/0000-0001-8049-0318	http://orcid.org/0000-0001-8049-0318	ADV
aijes-6435	3	43	,	,	PUNCT
aijes-6435	3	44	e	e	NOUN
aijes-6435	3	45	-	-	NOUN
aijes-6435	3	46	mail	mail	NOUN
aijes-6435	3	47	:	:	PUNCT
aijes-6435	3	48	nazrin.akhundzada@gmail.com	nazrin.akhundzada@gmail.com	X
aijes-6435	3	49	2	2	NUM
aijes-6435	3	50	http://orcid.org/0000-0003-2122-0603	http://orcid.org/0000-0003-2122-0603	NOUN
aijes-6435	3	51	,	,	PUNCT
aijes-6435	3	52	e	e	NOUN
aijes-6435	3	53	-	-	NOUN
aijes-6435	3	54	mail	mail	NOUN
aijes-6435	3	55	:	:	PUNCT
aijes-6435	3	56	inara_rzayeva@unec.edu.az	inara_rzayeva@unec.edu.az	NOUN
aijes-6435	3	57	abstract	abstract	NOUN
aijes-6435	3	58	:	:	PUNCT
aijes-6435	3	59	digitalization	digitalization	NOUN
aijes-6435	3	60	is	be	AUX
aijes-6435	3	61	assessed	assess	VERB
aijes-6435	3	62	as	as	ADP
aijes-6435	3	63	a	a	DET
aijes-6435	3	64	factor	factor	NOUN
aijes-6435	3	65	contributing	contribute	VERB
aijes-6435	3	66	to	to	ADP
aijes-6435	3	67	the	the	DET
aijes-6435	3	68	sustainable	sustainable	ADJ
aijes-6435	3	69	growth	growth	NOUN
aijes-6435	3	70	of	of	ADP
aijes-6435	3	71	business	business	NOUN
aijes-6435	3	72	entities	entity	NOUN
aijes-6435	3	73	.	.	PUNCT
aijes-6435	4	1	implementation	implementation	NOUN
aijes-6435	4	2	of	of	ADP
aijes-6435	4	3	digital	digital	ADJ
aijes-6435	4	4	solutions	solution	NOUN
aijes-6435	4	5	has	have	AUX
aijes-6435	4	6	been	be	AUX
aijes-6435	4	7	recognized	recognize	VERB
aijes-6435	4	8	as	as	ADP
aijes-6435	4	9	a	a	DET
aijes-6435	4	10	key	key	ADJ
aijes-6435	4	11	tool	tool	NOUN
aijes-6435	4	12	stimulating	stimulate	VERB
aijes-6435	4	13	expansion	expansion	NOUN
aijes-6435	4	14	and	and	CCONJ
aijes-6435	4	15	development	development	NOUN
aijes-6435	4	16	of	of	ADP
aijes-6435	4	17	micro	micro	PROPN
aijes-6435	4	18	,	,	PUNCT
aijes-6435	4	19	small	small	ADJ
aijes-6435	4	20	and	and	CCONJ
aijes-6435	4	21	medium	medium	ADJ
aijes-6435	4	22	enterprises	enterprise	NOUN
aijes-6435	4	23	into	into	ADP
aijes-6435	4	24	the	the	DET
aijes-6435	4	25	economy	economy	NOUN
aijes-6435	4	26	.	.	PUNCT
aijes-6435	5	1	micro	micro	PROPN
aijes-6435	5	2	small	small	ADJ
aijes-6435	5	3	and	and	CCONJ
aijes-6435	5	4	medium	medium	ADJ
aijes-6435	5	5	enterprises	enterprise	NOUN
aijes-6435	5	6	represent	represent	VERB
aijes-6435	5	7	a	a	DET
aijes-6435	5	8	vast	vast	ADJ
aijes-6435	5	9	majority	majority	NOUN
aijes-6435	5	10	of	of	ADP
aijes-6435	5	11	firms	firm	NOUN
aijes-6435	5	12	in	in	ADP
aijes-6435	5	13	azerbaijan	azerbaijan	PROPN
aijes-6435	5	14	.	.	PUNCT
aijes-6435	6	1	limited	limited	ADJ
aijes-6435	6	2	access	access	NOUN
aijes-6435	6	3	to	to	ADP
aijes-6435	6	4	financial	financial	ADJ
aijes-6435	6	5	resources	resource	NOUN
aijes-6435	6	6	is	be	AUX
aijes-6435	6	7	one	one	NUM
aijes-6435	6	8	of	of	ADP
aijes-6435	6	9	the	the	DET
aijes-6435	6	10	key	key	ADJ
aijes-6435	6	11	challenges	challenge	NOUN
aijes-6435	6	12	exhibited	exhibit	VERB
aijes-6435	6	13	by	by	ADP
aijes-6435	6	14	this	this	DET
aijes-6435	6	15	size	size	NOUN
aijes-6435	6	16	of	of	ADP
aijes-6435	6	17	enterprises	enterprise	NOUN
aijes-6435	6	18	.	.	PUNCT
aijes-6435	7	1	the	the	DET
aijes-6435	7	2	rate	rate	NOUN
aijes-6435	7	3	of	of	ADP
aijes-6435	7	4	usage	usage	NOUN
aijes-6435	7	5	of	of	ADP
aijes-6435	7	6	online	online	ADJ
aijes-6435	7	7	services	service	NOUN
aijes-6435	7	8	by	by	ADP
aijes-6435	7	9	firms	firm	NOUN
aijes-6435	7	10	accelerated	accelerate	VERB
aijes-6435	7	11	after	after	ADP
aijes-6435	7	12	covid-19	covid-19	PROPN
aijes-6435	7	13	pandemic	pandemic	NOUN
aijes-6435	7	14	.	.	PUNCT
aijes-6435	8	1	despite	despite	SCONJ
aijes-6435	8	2	significant	significant	ADJ
aijes-6435	8	3	progress	progress	NOUN
aijes-6435	8	4	during	during	ADP
aijes-6435	8	5	recent	recent	ADJ
aijes-6435	8	6	years	year	NOUN
aijes-6435	8	7	,	,	PUNCT
aijes-6435	8	8	the	the	DET
aijes-6435	8	9	adoption	adoption	NOUN
aijes-6435	8	10	level	level	NOUN
aijes-6435	8	11	of	of	ADP
aijes-6435	8	12	digital	digital	ADJ
aijes-6435	8	13	technologies	technology	NOUN
aijes-6435	8	14	particularly	particularly	ADV
aijes-6435	8	15	for	for	ADP
aijes-6435	8	16	financial	financial	ADJ
aijes-6435	8	17	services	service	NOUN
aijes-6435	8	18	among	among	ADP
aijes-6435	8	19	population	population	NOUN
aijes-6435	8	20	and	and	CCONJ
aijes-6435	8	21	entrepreneurs	entrepreneur	NOUN
aijes-6435	8	22	still	still	ADV
aijes-6435	8	23	needs	need	VERB
aijes-6435	8	24	to	to	PART
aijes-6435	8	25	be	be	AUX
aijes-6435	8	26	developed	develop	VERB
aijes-6435	8	27	.	.	PUNCT
aijes-6435	9	1	this	this	DET
aijes-6435	9	2	article	article	NOUN
aijes-6435	9	3	applies	apply	VERB
aijes-6435	9	4	time	time	NOUN
aijes-6435	9	5	series	series	PROPN
aijes-6435	9	6	regression	regression	VERB
aijes-6435	9	7	analysis	analysis	NOUN
aijes-6435	9	8	and	and	CCONJ
aijes-6435	9	9	finds	find	VERB
aijes-6435	9	10	the	the	DET
aijes-6435	9	11	existence	existence	NOUN
aijes-6435	9	12	of	of	ADP
aijes-6435	9	13	positive	positive	ADJ
aijes-6435	9	14	relationship	relationship	NOUN
aijes-6435	9	15	between	between	ADP
aijes-6435	9	16	digitalization	digitalization	NOUN
aijes-6435	9	17	of	of	ADP
aijes-6435	9	18	business	business	NOUN
aijes-6435	9	19	activities	activity	NOUN
aijes-6435	9	20	exemplified	exemplify	VERB
aijes-6435	9	21	by	by	ADP
aijes-6435	9	22	e	e	NOUN
aijes-6435	9	23	-	-	NOUN
aijes-6435	9	24	commerce	commerce	NOUN
aijes-6435	9	25	and	and	CCONJ
aijes-6435	9	26	the	the	DET
aijes-6435	9	27	amount	amount	NOUN
aijes-6435	9	28	of	of	ADP
aijes-6435	9	29	credit	credit	NOUN
aijes-6435	9	30	funds	fund	NOUN
aijes-6435	9	31	allocated	allocate	VERB
aijes-6435	9	32	micro	micro	NOUN
aijes-6435	9	33	,	,	PUNCT
aijes-6435	9	34	small	small	ADJ
aijes-6435	9	35	and	and	CCONJ
aijes-6435	9	36	medium	medium	ADJ
aijes-6435	9	37	business	business	NOUN
aijes-6435	9	38	entities	entity	NOUN
aijes-6435	9	39	.	.	PUNCT
aijes-6435	10	1	the	the	DET
aijes-6435	10	2	authors	author	NOUN
aijes-6435	10	3	suggest	suggest	VERB
aijes-6435	10	4	about	about	ADP
aijes-6435	10	5	the	the	DET
aijes-6435	10	6	existence	existence	NOUN
aijes-6435	10	7	of	of	ADP
aijes-6435	10	8	other	other	ADJ
aijes-6435	10	9	factors	factor	NOUN
aijes-6435	10	10	that	that	PRON
aijes-6435	10	11	contribute	contribute	VERB
aijes-6435	10	12	to	to	ADP
aijes-6435	10	13	financial	financial	ADJ
aijes-6435	10	14	inclusion	inclusion	NOUN
aijes-6435	10	15	of	of	ADP
aijes-6435	10	16	small	small	ADJ
aijes-6435	10	17	and	and	CCONJ
aijes-6435	10	18	medium	medium	ADJ
aijes-6435	10	19	-	-	PUNCT
aijes-6435	10	20	sized	sized	ADJ
aijes-6435	10	21	enterprises	enterprise	NOUN
aijes-6435	10	22	.	.	PUNCT
aijes-6435	11	1	keywords	keyword	NOUN
aijes-6435	11	2	:	:	PUNCT
aijes-6435	11	3	digitalization	digitalization	NOUN
aijes-6435	11	4	;	;	PUNCT
aijes-6435	11	5	access	access	NOUN
aijes-6435	11	6	to	to	ADP
aijes-6435	11	7	finance	finance	NOUN
aijes-6435	11	8	;	;	PUNCT
aijes-6435	11	9	entrepreneurship	entrepreneurship	NOUN
aijes-6435	11	10	;	;	PUNCT
aijes-6435	11	11	e	e	X
aijes-6435	11	12	-	-	NOUN
aijes-6435	11	13	commerce	commerce	NOUN
aijes-6435	11	14	;	;	PUNCT
aijes-6435	11	15	e	e	X
aijes-6435	11	16	-	-	ADJ
aijes-6435	11	17	banking	banking	ADJ
aijes-6435	11	18	introduction	introduction	NOUN
aijes-6435	11	19	during	during	ADP
aijes-6435	11	20	recent	recent	ADJ
aijes-6435	11	21	years	year	NOUN
aijes-6435	11	22	azerbaijan	azerbaijan	PROPN
aijes-6435	11	23	experienced	experience	VERB
aijes-6435	11	24	remarkable	remarkable	ADJ
aijes-6435	11	25	reforms	reform	NOUN
aijes-6435	11	26	in	in	ADP
aijes-6435	11	27	the	the	DET
aijes-6435	11	28	improvement	improvement	NOUN
aijes-6435	11	29	of	of	ADP
aijes-6435	11	30	the	the	DET
aijes-6435	11	31	business	business	NOUN
aijes-6435	11	32	environment	environment	NOUN
aijes-6435	11	33	.	.	PUNCT
aijes-6435	12	1	according	accord	VERB
aijes-6435	12	2	to	to	ADP
aijes-6435	12	3	oecd	oecd	PROPN
aijes-6435	12	4	(	(	PUNCT
aijes-6435	12	5	2022	2022	NUM
aijes-6435	12	6	)	)	PUNCT
aijes-6435	12	7	,	,	PUNCT
aijes-6435	12	8	the	the	DET
aijes-6435	12	9	expansion	expansion	NOUN
aijes-6435	12	10	of	of	ADP
aijes-6435	12	11	e	e	NOUN
aijes-6435	12	12	-	-	NOUN
aijes-6435	12	13	government	government	NOUN
aijes-6435	12	14	services	service	NOUN
aijes-6435	12	15	by	by	ADP
aijes-6435	12	16	using	use	VERB
aijes-6435	12	17	digital	digital	ADJ
aijes-6435	12	18	technologies	technology	NOUN
aijes-6435	12	19	for	for	ADP
aijes-6435	12	20	completing	complete	VERB
aijes-6435	12	21	many	many	ADJ
aijes-6435	12	22	procedures	procedure	NOUN
aijes-6435	12	23	such	such	ADJ
aijes-6435	12	24	as	as	ADP
aijes-6435	12	25	company	company	NOUN
aijes-6435	12	26	registration	registration	NOUN
aijes-6435	12	27	,	,	PUNCT
aijes-6435	12	28	business	business	NOUN
aijes-6435	12	29	licensing	licensing	NOUN
aijes-6435	12	30	,	,	PUNCT
aijes-6435	12	31	public	public	ADJ
aijes-6435	12	32	procurement	procurement	NOUN
aijes-6435	12	33	,	,	PUNCT
aijes-6435	12	34	customs	custom	NOUN
aijes-6435	12	35	and	and	CCONJ
aijes-6435	12	36	visa	visa	NOUN
aijes-6435	12	37	applications	application	NOUN
aijes-6435	12	38	online	online	ADV
aijes-6435	12	39	is	be	AUX
aijes-6435	12	40	evidence	evidence	NOUN
aijes-6435	12	41	of	of	ADP
aijes-6435	12	42	significant	significant	ADJ
aijes-6435	12	43	progress	progress	NOUN
aijes-6435	12	44	.	.	PUNCT
aijes-6435	13	1	the	the	DET
aijes-6435	13	2	development	development	NOUN
aijes-6435	13	3	of	of	ADP
aijes-6435	13	4	smes	smes	PROPN
aijes-6435	13	5	stands	stand	VERB
aijes-6435	13	6	out	out	ADP
aijes-6435	13	7	as	as	ADP
aijes-6435	13	8	a	a	DET
aijes-6435	13	9	crucial	crucial	ADJ
aijes-6435	13	10	goal	goal	NOUN
aijes-6435	13	11	because	because	SCONJ
aijes-6435	13	12	these	these	DET
aijes-6435	13	13	firms	firm	NOUN
aijes-6435	13	14	are	be	AUX
aijes-6435	13	15	the	the	DET
aijes-6435	13	16	main	main	ADJ
aijes-6435	13	17	contributors	contributor	NOUN
aijes-6435	13	18	to	to	PART
aijes-6435	13	19	job	job	VERB
aijes-6435	13	20	creation	creation	NOUN
aijes-6435	13	21	and	and	CCONJ
aijes-6435	13	22	sustained	sustain	VERB
aijes-6435	13	23	economic	economic	ADJ
aijes-6435	13	24	growth	growth	NOUN
aijes-6435	13	25	.	.	PUNCT
aijes-6435	14	1	they	they	PRON
aijes-6435	14	2	can	can	AUX
aijes-6435	14	3	also	also	ADV
aijes-6435	14	4	be	be	AUX
aijes-6435	14	5	interpreted	interpret	VERB
aijes-6435	14	6	as	as	ADP
aijes-6435	14	7	a	a	DET
aijes-6435	14	8	source	source	NOUN
aijes-6435	14	9	of	of	ADP
aijes-6435	14	10	prompt	prompt	NOUN
aijes-6435	14	11	for	for	ADP
aijes-6435	14	12	diversification	diversification	NOUN
aijes-6435	14	13	in	in	ADP
aijes-6435	14	14	the	the	DET
aijes-6435	14	15	economy	economy	NOUN
aijes-6435	14	16	which	which	PRON
aijes-6435	14	17	eventually	eventually	ADV
aijes-6435	14	18	leads	lead	VERB
aijes-6435	14	19	to	to	ADP
aijes-6435	14	20	an	an	DET
aijes-6435	14	21	increase	increase	NOUN
aijes-6435	14	22	in	in	ADP
aijes-6435	14	23	productivity	productivity	NOUN
aijes-6435	14	24	(	(	PUNCT
aijes-6435	14	25	oecd	oecd	PROPN
aijes-6435	14	26	,	,	PUNCT
aijes-6435	14	27	2019	2019	NUM
aijes-6435	14	28	)	)	PUNCT
aijes-6435	14	29	.	.	PUNCT
aijes-6435	15	1	according	accord	VERB
aijes-6435	15	2	to	to	ADP
aijes-6435	15	3	state	state	NOUN
aijes-6435	15	4	statistical	statistical	ADJ
aijes-6435	15	5	committee	committee	NOUN
aijes-6435	15	6	of	of	ADP
aijes-6435	15	7	the	the	DET
aijes-6435	15	8	republic	republic	NOUN
aijes-6435	15	9	of	of	ADP
aijes-6435	15	10	azerbaijan	azerbaijan	PROPN
aijes-6435	15	11	(	(	PUNCT
aijes-6435	15	12	2022	2022	NUM
aijes-6435	15	13	)	)	PUNCT
aijes-6435	15	14	in	in	ADP
aijes-6435	15	15	2021	2021	NUM
aijes-6435	15	16	,	,	PUNCT
aijes-6435	15	17	the	the	DET
aijes-6435	15	18	value	value	NOUN
aijes-6435	15	19	added	added	AUX
aijes-6435	15	20	generated	generate	VERB
aijes-6435	15	21	by	by	ADP
aijes-6435	15	22	msmes	msme	NOUN
aijes-6435	15	23	was	be	AUX
aijes-6435	15	24	16.4	16.4	NUM
aijes-6435	15	25	%	%	NOUN
aijes-6435	15	26	of	of	ADP
aijes-6435	15	27	the	the	DET
aijes-6435	15	28	total	total	ADJ
aijes-6435	15	29	value	value	NOUN
aijes-6435	15	30	added	add	VERB
aijes-6435	15	31	in	in	ADP
aijes-6435	15	32	the	the	DET
aijes-6435	15	33	economy	economy	NOUN
aijes-6435	15	34	.	.	PUNCT
aijes-6435	16	1	this	this	DET
aijes-6435	16	2	figure	figure	NOUN
aijes-6435	16	3	was	be	AUX
aijes-6435	16	4	by	by	ADP
aijes-6435	16	5	16.7	16.7	NUM
aijes-6435	16	6	%	%	NOUN
aijes-6435	16	7	in	in	ADP
aijes-6435	16	8	the	the	DET
aijes-6435	16	9	previous	previous	ADJ
aijes-6435	16	10	year	year	NOUN
aijes-6435	16	11	.	.	PUNCT
aijes-6435	17	1	when	when	SCONJ
aijes-6435	17	2	it	it	PRON
aijes-6435	17	3	comes	come	VERB
aijes-6435	17	4	to	to	ADP
aijes-6435	17	5	the	the	DET
aijes-6435	17	6	distribution	distribution	NOUN
aijes-6435	17	7	of	of	ADP
aijes-6435	17	8	value	value	NOUN
aijes-6435	17	9	added	add	VERB
aijes-6435	17	10	across	across	ADP
aijes-6435	17	11	sectors	sector	NOUN
aijes-6435	17	12	,	,	PUNCT
aijes-6435	17	13	32.7	32.7	NUM
aijes-6435	17	14	percent	percent	NOUN
aijes-6435	17	15	of	of	ADP
aijes-6435	17	16	value	value	NOUN
aijes-6435	17	17	added	add	VERB
aijes-6435	17	18	generated	generate	VERB
aijes-6435	17	19	by	by	ADP
aijes-6435	17	20	msmes	msme	NOUN
aijes-6435	17	21	was	be	AUX
aijes-6435	17	22	recorded	record	VERB
aijes-6435	17	23	in	in	ADP
aijes-6435	17	24	trade	trade	NOUN
aijes-6435	17	25	and	and	CCONJ
aijes-6435	17	26	repair	repair	NOUN
aijes-6435	17	27	of	of	ADP
aijes-6435	17	28	transport	transport	NOUN
aijes-6435	17	29	means	mean	VERB
aijes-6435	17	30	sector	sector	NOUN
aijes-6435	17	31	,	,	PUNCT
aijes-6435	17	32	13.6	13.6	NUM
aijes-6435	17	33	percent	percent	NOUN
aijes-6435	17	34	in	in	ADP
aijes-6435	17	35	industry	industry	NOUN
aijes-6435	17	36	and	and	CCONJ
aijes-6435	17	37	12.9	12.9	NUM
aijes-6435	17	38	percent	percent	NOUN
aijes-6435	17	39	in	in	ADP
aijes-6435	17	40	construction	construction	NOUN
aijes-6435	17	41	.	.	PUNCT
aijes-6435	18	1	as	as	SCONJ
aijes-6435	18	2	it	it	PRON
aijes-6435	18	3	was	be	AUX
aijes-6435	18	4	mentioned	mention	VERB
aijes-6435	18	5	before	before	SCONJ
aijes-6435	18	6	msmes	msme	NOUN
aijes-6435	18	7	play	play	VERB
aijes-6435	18	8	an	an	DET
aijes-6435	18	9	important	important	ADJ
aijes-6435	18	10	role	role	NOUN
aijes-6435	18	11	in	in	ADP
aijes-6435	18	12	job	job	NOUN
aijes-6435	18	13	creation	creation	NOUN
aijes-6435	18	14	.	.	PUNCT
aijes-6435	19	1	while	while	SCONJ
aijes-6435	19	2	looking	look	VERB
aijes-6435	19	3	at	at	ADP
aijes-6435	19	4	employment	employment	NOUN
aijes-6435	19	5	figures	figure	NOUN
aijes-6435	19	6	of	of	ADP
aijes-6435	19	7	msmes	msme	NOUN
aijes-6435	19	8	,	,	PUNCT
aijes-6435	19	9	we	we	PRON
aijes-6435	19	10	can	can	AUX
aijes-6435	19	11	observe	observe	VERB
aijes-6435	19	12	that	that	SCONJ
aijes-6435	19	13	there	there	PRON
aijes-6435	19	14	was	be	VERB
aijes-6435	19	15	a	a	DET
aijes-6435	19	16	41.8	41.8	NUM
aijes-6435	19	17	percent	percent	NOUN
aijes-6435	19	18	contribution	contribution	NOUN
aijes-6435	19	19	in	in	ADP
aijes-6435	19	20	2021	2021	NUM
aijes-6435	19	21	to	to	AUX
aijes-6435	19	22	total	total	ADJ
aijes-6435	19	23	employment	employment	NOUN
aijes-6435	19	24	across	across	ADP
aijes-6435	19	25	all	all	DET
aijes-6435	19	26	firms	firm	NOUN
aijes-6435	19	27	.	.	PUNCT
aijes-6435	20	1	other	other	ADJ
aijes-6435	20	2	interesting	interesting	ADJ
aijes-6435	20	3	results	result	NOUN
aijes-6435	20	4	were	be	AUX
aijes-6435	20	5	given	give	VERB
aijes-6435	20	6	about	about	ADP
aijes-6435	20	7	investments	investment	NOUN
aijes-6435	20	8	made	make	VERB
aijes-6435	20	9	by	by	ADP
aijes-6435	20	10	msmes	msme	NOUN
aijes-6435	20	11	.	.	PUNCT
aijes-6435	21	1	according	accord	VERB
aijes-6435	21	2	to	to	ADP
aijes-6435	21	3	published	publish	VERB
aijes-6435	21	4	figures	figure	NOUN
aijes-6435	21	5	in	in	ADP
aijes-6435	21	6	statistical	statistical	ADJ
aijes-6435	21	7	yearbook	yearbook	NOUN
aijes-6435	21	8	2021	2021	NUM
aijes-6435	21	9	,	,	PUNCT
aijes-6435	21	10	more	more	ADJ
aijes-6435	21	11	than	than	ADP
aijes-6435	21	12	74.7	74.7	NUM
aijes-6435	21	13	percent	percent	NOUN
aijes-6435	21	14	of	of	ADP
aijes-6435	21	15	investments	investment	NOUN
aijes-6435	21	16	of	of	ADP
aijes-6435	21	17	msmes	msme	NOUN
aijes-6435	21	18	in	in	ADP
aijes-6435	21	19	fixed	fix	VERB
aijes-6435	21	20	assets	asset	NOUN
aijes-6435	21	21	were	be	AUX
aijes-6435	21	22	financed	finance	VERB
aijes-6435	21	23	through	through	ADP
aijes-6435	21	24	internal	internal	ADJ
aijes-6435	21	25	sources	source	NOUN
aijes-6435	21	26	.	.	PUNCT
aijes-6435	22	1	http://orcid.org/0000-0001-8049-0318	http://orcid.org/0000-0001-8049-0318	PROPN
aijes-6435	22	2	mailto:nazrin.akhundzada@gmail.com	mailto:nazrin.akhundzada@gmail.com	PROPN
aijes-6435	23	1	http://orcid.org/0000-0003-2122-0603	http://orcid.org/0000-0003-2122-0603	PROPN
aijes-6435	23	2	mailto:inara_rzayeva@unec.edu.az	mailto:inara_rzayeva@unec.edu.az	NOUN
aijes-6435	23	3	the	the	DET
aijes-6435	23	4	implementation	implementation	NOUN
aijes-6435	23	5	of	of	ADP
aijes-6435	23	6	digital	digital	ADJ
aijes-6435	23	7	channels	channel	NOUN
aijes-6435	23	8	in	in	ADP
aijes-6435	23	9	business	business	NOUN
aijes-6435	23	10	processes	process	NOUN
aijes-6435	23	11	and	and	CCONJ
aijes-6435	23	12	access	access	NOUN
aijes-6435	23	13	to	to	ADP
aijes-6435	23	14	finance	finance	NOUN
aijes-6435	23	15	for	for	ADP
aijes-6435	23	16	msmes	msme	NOUN
aijes-6435	23	17	in	in	ADP
aijes-6435	23	18	azerbaijan	azerbaijan	PROPN
aijes-6435	23	19	2	2	NUM
aijes-6435	23	20	in	in	ADP
aijes-6435	23	21	general	general	ADJ
aijes-6435	23	22	,	,	PUNCT
aijes-6435	23	23	msmes	msme	NOUN
aijes-6435	23	24	represented	represent	VERB
aijes-6435	23	25	99.7	99.7	NUM
aijes-6435	23	26	percent	percent	NOUN
aijes-6435	23	27	of	of	ADP
aijes-6435	23	28	all	all	DET
aijes-6435	23	29	active	active	ADJ
aijes-6435	23	30	enterprises	enterprise	NOUN
aijes-6435	23	31	in	in	ADP
aijes-6435	23	32	the	the	DET
aijes-6435	23	33	country	country	NOUN
aijes-6435	23	34	in	in	ADP
aijes-6435	23	35	2021	2021	NUM
aijes-6435	23	36	.	.	PUNCT
aijes-6435	24	1	meanwhile	meanwhile	ADV
aijes-6435	24	2	,	,	PUNCT
aijes-6435	24	3	micro	micro	ADJ
aijes-6435	24	4	firms	firm	NOUN
aijes-6435	24	5	make	make	VERB
aijes-6435	24	6	up	up	ADP
aijes-6435	24	7	97.3	97.3	NUM
aijes-6435	24	8	percent	percent	NOUN
aijes-6435	24	9	of	of	ADP
aijes-6435	24	10	all	all	DET
aijes-6435	24	11	msmes	msme	NOUN
aijes-6435	24	12	.	.	PUNCT
aijes-6435	25	1	in	in	ADP
aijes-6435	25	2	terms	term	NOUN
aijes-6435	25	3	of	of	ADP
aijes-6435	25	4	distribution	distribution	NOUN
aijes-6435	25	5	of	of	ADP
aijes-6435	25	6	msmes	msme	NOUN
aijes-6435	25	7	by	by	ADP
aijes-6435	25	8	economic	economic	ADJ
aijes-6435	25	9	activity	activity	NOUN
aijes-6435	25	10	shown	show	VERB
aijes-6435	25	11	in	in	ADP
aijes-6435	25	12	figure	figure	NOUN
aijes-6435	25	13	2	2	NUM
aijes-6435	25	14	,	,	PUNCT
aijes-6435	25	15	firms	firm	NOUN
aijes-6435	25	16	registered	register	VERB
aijes-6435	25	17	in	in	ADP
aijes-6435	25	18	trade	trade	NOUN
aijes-6435	25	19	;	;	PUNCT
aijes-6435	25	20	repair	repair	NOUN
aijes-6435	25	21	of	of	ADP
aijes-6435	25	22	transport	transport	NOUN
aijes-6435	25	23	means	mean	VERB
aijes-6435	25	24	constitute	constitute	VERB
aijes-6435	25	25	32	32	NUM
aijes-6435	25	26	percent	percent	NOUN
aijes-6435	25	27	of	of	ADP
aijes-6435	25	28	the	the	DET
aijes-6435	25	29	total	total	ADJ
aijes-6435	25	30	number	number	NOUN
aijes-6435	25	31	,	,	PUNCT
aijes-6435	25	32	to	to	PART
aijes-6435	25	33	be	be	AUX
aijes-6435	25	34	precise	precise	ADJ
aijes-6435	25	35	is	be	AUX
aijes-6435	25	36	119306	119306	NUM
aijes-6435	25	37	out	out	ADP
aijes-6435	25	38	of	of	ADP
aijes-6435	25	39	355906	355906	NUM
aijes-6435	25	40	of	of	ADP
aijes-6435	25	41	all	all	DET
aijes-6435	25	42	enterprises	enterprise	NOUN
aijes-6435	25	43	.	.	PUNCT
aijes-6435	26	1	the	the	DET
aijes-6435	26	2	next	next	ADJ
aijes-6435	26	3	largest	large	ADJ
aijes-6435	26	4	share	share	NOUN
aijes-6435	26	5	of	of	ADP
aijes-6435	26	6	enterprises	enterprise	NOUN
aijes-6435	26	7	is	be	AUX
aijes-6435	26	8	found	find	VERB
aijes-6435	26	9	in	in	ADP
aijes-6435	26	10	the	the	DET
aijes-6435	26	11	sector	sector	NOUN
aijes-6435	26	12	with	with	ADP
aijes-6435	26	13	the	the	DET
aijes-6435	26	14	label	label	NOUN
aijes-6435	26	15	"	"	PUNCT
aijes-6435	26	16	other	other	ADJ
aijes-6435	26	17	"	"	PUNCT
aijes-6435	26	18	which	which	PRON
aijes-6435	26	19	contributes	contribute	VERB
aijes-6435	26	20	to	to	ADP
aijes-6435	26	21	approximately	approximately	ADV
aijes-6435	26	22	21	21	NUM
aijes-6435	26	23	percent	percent	NOUN
aijes-6435	26	24	of	of	ADP
aijes-6435	26	25	the	the	DET
aijes-6435	26	26	total	total	ADJ
aijes-6435	26	27	number	number	NOUN
aijes-6435	26	28	of	of	ADP
aijes-6435	26	29	firms	firm	NOUN
aijes-6435	26	30	.	.	PUNCT
aijes-6435	27	1	these	these	DET
aijes-6435	27	2	two	two	NUM
aijes-6435	27	3	sectors	sector	NOUN
aijes-6435	27	4	compose	compose	VERB
aijes-6435	27	5	more	more	ADJ
aijes-6435	27	6	than	than	ADP
aijes-6435	27	7	half	half	NOUN
aijes-6435	27	8	of	of	ADP
aijes-6435	27	9	all	all	DET
aijes-6435	27	10	msmes	msme	NOUN
aijes-6435	27	11	in	in	ADP
aijes-6435	27	12	the	the	DET
aijes-6435	27	13	economy	economy	NOUN
aijes-6435	27	14	.	.	PUNCT
aijes-6435	28	1	the	the	DET
aijes-6435	28	2	third	third	ADJ
aijes-6435	28	3	place	place	NOUN
aijes-6435	28	4	is	be	AUX
aijes-6435	28	5	allocated	allocate	VERB
aijes-6435	28	6	to	to	ADP
aijes-6435	28	7	transportation	transportation	NOUN
aijes-6435	28	8	and	and	CCONJ
aijes-6435	28	9	storage	storage	NOUN
aijes-6435	28	10	activity	activity	NOUN
aijes-6435	28	11	with	with	ADP
aijes-6435	28	12	20	20	NUM
aijes-6435	28	13	percent	percent	NOUN
aijes-6435	28	14	share	share	NOUN
aijes-6435	28	15	.	.	PUNCT
aijes-6435	29	1	the	the	DET
aijes-6435	29	2	goal	goal	NOUN
aijes-6435	29	3	of	of	ADP
aijes-6435	29	4	this	this	DET
aijes-6435	29	5	article	article	NOUN
aijes-6435	29	6	is	be	AUX
aijes-6435	29	7	to	to	PART
aijes-6435	29	8	prove	prove	VERB
aijes-6435	29	9	empirically	empirically	ADV
aijes-6435	29	10	the	the	DET
aijes-6435	29	11	existence	existence	NOUN
aijes-6435	29	12	of	of	ADP
aijes-6435	29	13	a	a	DET
aijes-6435	29	14	link	link	NOUN
aijes-6435	29	15	between	between	ADP
aijes-6435	29	16	digitalized	digitalize	VERB
aijes-6435	29	17	business	business	NOUN
aijes-6435	29	18	services	service	NOUN
aijes-6435	29	19	and	and	CCONJ
aijes-6435	29	20	the	the	DET
aijes-6435	29	21	accessibility	accessibility	NOUN
aijes-6435	29	22	of	of	ADP
aijes-6435	29	23	funding	funding	NOUN
aijes-6435	29	24	for	for	ADP
aijes-6435	29	25	msmes	msme	NOUN
aijes-6435	29	26	in	in	ADP
aijes-6435	29	27	azerbaijan	azerbaijan	PROPN
aijes-6435	29	28	.	.	PUNCT
aijes-6435	30	1	msmes	msme	NOUN
aijes-6435	30	2	that	that	PRON
aijes-6435	30	3	usually	usually	ADV
aijes-6435	30	4	suffer	suffer	VERB
aijes-6435	30	5	from	from	ADP
aijes-6435	30	6	lack	lack	NOUN
aijes-6435	30	7	of	of	ADP
aijes-6435	30	8	collateral	collateral	NOUN
aijes-6435	30	9	or	or	CCONJ
aijes-6435	30	10	find	find	VERB
aijes-6435	30	11	it	it	PRON
aijes-6435	30	12	difficult	difficult	ADJ
aijes-6435	30	13	to	to	PART
aijes-6435	30	14	prepare	prepare	VERB
aijes-6435	30	15	relevant	relevant	ADJ
aijes-6435	30	16	financial	financial	ADJ
aijes-6435	30	17	statements	statement	NOUN
aijes-6435	30	18	about	about	ADP
aijes-6435	30	19	their	their	PRON
aijes-6435	30	20	business	business	NOUN
aijes-6435	30	21	may	may	AUX
aijes-6435	30	22	explore	explore	VERB
aijes-6435	30	23	the	the	DET
aijes-6435	30	24	advantages	advantage	NOUN
aijes-6435	30	25	of	of	ADP
aijes-6435	30	26	using	use	VERB
aijes-6435	30	27	digital	digital	ADJ
aijes-6435	30	28	financial	financial	ADJ
aijes-6435	30	29	services	service	NOUN
aijes-6435	30	30	for	for	ADP
aijes-6435	30	31	payments	payment	NOUN
aijes-6435	30	32	,	,	PUNCT
aijes-6435	30	33	savings	saving	NOUN
aijes-6435	30	34	and	and	CCONJ
aijes-6435	30	35	borrowing	borrowing	NOUN
aijes-6435	30	36	issues	issue	NOUN
aijes-6435	30	37	.	.	PUNCT
aijes-6435	31	1	demand	demand	NOUN
aijes-6435	31	2	for	for	ADP
aijes-6435	31	3	bank	bank	NOUN
aijes-6435	31	4	digital	digital	ADJ
aijes-6435	31	5	services	service	NOUN
aijes-6435	31	6	mainly	mainly	ADV
aijes-6435	31	7	concentrated	concentrate	VERB
aijes-6435	31	8	on	on	ADP
aijes-6435	31	9	consumer	consumer	NOUN
aijes-6435	31	10	products	product	NOUN
aijes-6435	31	11	related	relate	VERB
aijes-6435	31	12	to	to	ADP
aijes-6435	31	13	mobile	mobile	ADJ
aijes-6435	31	14	banking	banking	NOUN
aijes-6435	31	15	and	and	CCONJ
aijes-6435	31	16	payments	payment	NOUN
aijes-6435	31	17	.	.	PUNCT
aijes-6435	32	1	figure	figure	NOUN
aijes-6435	32	2	1	1	NUM
aijes-6435	32	3	.	.	PUNCT
aijes-6435	33	1	sectorial	sectorial	ADJ
aijes-6435	33	2	distribution	distribution	NOUN
aijes-6435	33	3	of	of	ADP
aijes-6435	33	4	msmes	msme	NOUN
aijes-6435	33	5	in	in	ADP
aijes-6435	33	6	azerbaijan	azerbaijan	PROPN
aijes-6435	33	7	source	source	NOUN
aijes-6435	33	8	:	:	PUNCT
aijes-6435	33	9	the	the	DET
aijes-6435	33	10	state	state	NOUN
aijes-6435	33	11	statistical	statistical	ADJ
aijes-6435	33	12	committee	committee	NOUN
aijes-6435	33	13	of	of	ADP
aijes-6435	33	14	the	the	DET
aijes-6435	33	15	republic	republic	PROPN
aijes-6435	33	16	of	of	ADP
aijes-6435	33	17	azerbaijan	azerbaijan	PROPN
aijes-6435	33	18	azerbaijan	azerbaijan	PROPN
aijes-6435	33	19	has	have	AUX
aijes-6435	33	20	taken	take	VERB
aijes-6435	33	21	many	many	ADJ
aijes-6435	33	22	important	important	ADJ
aijes-6435	33	23	actions	action	NOUN
aijes-6435	33	24	to	to	PART
aijes-6435	33	25	support	support	VERB
aijes-6435	33	26	the	the	DET
aijes-6435	33	27	development	development	NOUN
aijes-6435	33	28	of	of	ADP
aijes-6435	33	29	entrepreneurship	entrepreneurship	NOUN
aijes-6435	33	30	in	in	ADP
aijes-6435	33	31	the	the	DET
aijes-6435	33	32	country	country	NOUN
aijes-6435	33	33	.	.	PUNCT
aijes-6435	34	1	there	there	PRON
aijes-6435	34	2	have	have	AUX
aijes-6435	34	3	been	be	AUX
aijes-6435	34	4	implemented	implement	VERB
aijes-6435	34	5	several	several	ADJ
aijes-6435	34	6	state	state	NOUN
aijes-6435	34	7	programs	program	NOUN
aijes-6435	34	8	for	for	ADP
aijes-6435	34	9	the	the	DET
aijes-6435	34	10	development	development	NOUN
aijes-6435	34	11	of	of	ADP
aijes-6435	34	12	entrepreneurship	entrepreneurship	NOUN
aijes-6435	34	13	and	and	CCONJ
aijes-6435	34	14	improvement	improvement	NOUN
aijes-6435	34	15	of	of	ADP
aijes-6435	34	16	the	the	DET
aijes-6435	34	17	business	business	NOUN
aijes-6435	34	18	environment	environment	NOUN
aijes-6435	34	19	up	up	ADP
aijes-6435	34	20	to	to	ADP
aijes-6435	34	21	nowadays	nowadays	ADV
aijes-6435	34	22	.	.	PUNCT
aijes-6435	35	1	swot	swot	PROPN
aijes-6435	35	2	analysis	analysis	NOUN
aijes-6435	35	3	performed	perform	VERB
aijes-6435	35	4	for	for	ADP
aijes-6435	35	5	smes	sme	NOUN
aijes-6435	35	6	in	in	ADP
aijes-6435	35	7	azerbaijan	azerbaijan	PROPN
aijes-6435	35	8	mentions	mention	NOUN
aijes-6435	35	9	strengths	strength	NOUN
aijes-6435	35	10	and	and	CCONJ
aijes-6435	35	11	weaknesses	weakness	NOUN
aijes-6435	35	12	along	along	ADP
aijes-6435	35	13	with	with	ADP
aijes-6435	35	14	opportunities	opportunity	NOUN
aijes-6435	35	15	and	and	CCONJ
aijes-6435	35	16	threats	threat	NOUN
aijes-6435	35	17	that	that	PRON
aijes-6435	35	18	smes	sme	NOUN
aijes-6435	35	19	exhibit	exhibit	VERB
aijes-6435	35	20	in	in	ADP
aijes-6435	35	21	the	the	DET
aijes-6435	35	22	country	country	NOUN
aijes-6435	35	23	in	in	ADP
aijes-6435	35	24	the	the	DET
aijes-6435	35	25	strategic	strategic	ADJ
aijes-6435	35	26	roadmap	roadmap	NOUN
aijes-6435	35	27	.	.	PUNCT
aijes-6435	36	1	from	from	ADP
aijes-6435	36	2	the	the	DET
aijes-6435	36	3	strong	strong	ADJ
aijes-6435	36	4	sides	side	NOUN
aijes-6435	36	5	,	,	PUNCT
aijes-6435	36	6	we	we	PRON
aijes-6435	36	7	can	can	AUX
aijes-6435	36	8	point	point	VERB
aijes-6435	36	9	to	to	ADP
aijes-6435	36	10	the	the	DET
aijes-6435	36	11	existence	existence	NOUN
aijes-6435	36	12	of	of	ADP
aijes-6435	36	13	legislative	legislative	ADJ
aijes-6435	36	14	framework	framework	NOUN
aijes-6435	36	15	for	for	ADP
aijes-6435	36	16	the	the	DET
aijes-6435	36	17	entrepreneurship	entrepreneurship	NOUN
aijes-6435	36	18	and	and	CCONJ
aijes-6435	36	19	constant	constant	ADJ
aijes-6435	36	20	expansion	expansion	NOUN
aijes-6435	36	21	of	of	ADP
aijes-6435	36	22	the	the	DET
aijes-6435	36	23	scope	scope	NOUN
aijes-6435	36	24	of	of	ADP
aijes-6435	36	25	the	the	DET
aijes-6435	36	26	"	"	PUNCT
aijes-6435	36	27	electronic	electronic	ADJ
aijes-6435	36	28	governance	governance	NOUN
aijes-6435	36	29	"	"	PUNCT
aijes-6435	36	30	system	system	NOUN
aijes-6435	36	31	among	among	ADP
aijes-6435	36	32	many	many	ADJ
aijes-6435	36	33	other	other	ADJ
aijes-6435	36	34	points	point	NOUN
aijes-6435	36	35	,	,	PUNCT
aijes-6435	36	36	whereas	whereas	SCONJ
aijes-6435	36	37	from	from	ADP
aijes-6435	36	38	the	the	DET
aijes-6435	36	39	weakness	weakness	NOUN
aijes-6435	36	40	part	part	NOUN
aijes-6435	36	41	,	,	PUNCT
aijes-6435	36	42	it	it	PRON
aijes-6435	36	43	is	be	AUX
aijes-6435	36	44	worth	worth	ADJ
aijes-6435	36	45	mentioning	mention	VERB
aijes-6435	36	46	the	the	DET
aijes-6435	36	47	lack	lack	NOUN
aijes-6435	36	48	of	of	ADP
aijes-6435	36	49	highly	highly	ADV
aijes-6435	36	50	qualified	qualified	ADJ
aijes-6435	36	51	professionals	professional	NOUN
aijes-6435	36	52	,	,	PUNCT
aijes-6435	36	53	poor	poor	ADJ
aijes-6435	36	54	business	business	NOUN
aijes-6435	36	55	skills	skill	NOUN
aijes-6435	36	56	,	,	PUNCT
aijes-6435	36	57	particularly	particularly	ADV
aijes-6435	36	58	at	at	ADP
aijes-6435	36	59	medium	medium	ADJ
aijes-6435	36	60	management	management	NOUN
aijes-6435	36	61	level	level	NOUN
aijes-6435	36	62	and	and	CCONJ
aijes-6435	36	63	difficulty	difficulty	NOUN
aijes-6435	36	64	in	in	ADP
aijes-6435	36	65	access	access	NOUN
aijes-6435	36	66	to	to	ADP
aijes-6435	36	67	financial	financial	ADJ
aijes-6435	36	68	resources	resource	NOUN
aijes-6435	36	69	.	.	PUNCT
aijes-6435	37	1	introduction	introduction	NOUN
aijes-6435	37	2	of	of	ADP
aijes-6435	37	3	private	private	ADJ
aijes-6435	37	4	credit	credit	NOUN
aijes-6435	37	5	bureaus	bureaus	NOUN
aijes-6435	37	6	and	and	CCONJ
aijes-6435	37	7	movable	movable	ADJ
aijes-6435	37	8	collateral	collateral	ADJ
aijes-6435	37	9	registry	registry	NOUN
aijes-6435	37	10	creates	create	VERB
aijes-6435	37	11	an	an	DET
aijes-6435	37	12	opportunity	opportunity	NOUN
aijes-6435	37	13	for	for	SCONJ
aijes-6435	37	14	msmes	msme	NOUN
aijes-6435	37	15	to	to	PART
aijes-6435	37	16	get	get	VERB
aijes-6435	37	17	financing	financing	NOUN
aijes-6435	37	18	.	.	PUNCT
aijes-6435	38	1	small	small	ADJ
aijes-6435	38	2	and	and	CCONJ
aijes-6435	38	3	medium	medium	ADJ
aijes-6435	38	4	business	business	NOUN
aijes-6435	38	5	(	(	PUNCT
aijes-6435	38	6	smb	smb	PROPN
aijes-6435	38	7	)	)	PUNCT
aijes-6435	38	8	development	development	NOUN
aijes-6435	38	9	agency	agency	NOUN
aijes-6435	38	10	of	of	ADP
aijes-6435	38	11	the	the	DET
aijes-6435	38	12	republic	republic	NOUN
aijes-6435	38	13	of	of	ADP
aijes-6435	38	14	azerbaijan	azerbaijan	PROPN
aijes-6435	38	15	otherwise	otherwise	ADV
aijes-6435	38	16	called	call	VERB
aijes-6435	38	17	“	"	PUNCT
aijes-6435	38	18	kobi̇a	kobi̇a	PROPN
aijes-6435	38	19	”	"	PUNCT
aijes-6435	38	20	was	be	AUX
aijes-6435	38	21	established	establish	VERB
aijes-6435	38	22	to	to	PART
aijes-6435	38	23	support	support	VERB
aijes-6435	38	24	small	small	ADJ
aijes-6435	38	25	and	and	CCONJ
aijes-6435	38	26	medium	medium	ADJ
aijes-6435	38	27	businesses	business	NOUN
aijes-6435	38	28	by	by	ADP
aijes-6435	38	29	ensuring	ensure	VERB
aijes-6435	38	30	proper	proper	ADJ
aijes-6435	38	31	coordination	coordination	NOUN
aijes-6435	38	32	and	and	CCONJ
aijes-6435	38	33	regulation	regulation	NOUN
aijes-6435	38	34	.	.	PUNCT
aijes-6435	39	1	one	one	NUM
aijes-6435	39	2	of	of	ADP
aijes-6435	39	3	the	the	DET
aijes-6435	39	4	steps	step	NOUN
aijes-6435	39	5	taken	take	VERB
aijes-6435	39	6	towards	towards	ADP
aijes-6435	39	7	the	the	DET
aijes-6435	39	8	adoption	adoption	NOUN
aijes-6435	39	9	of	of	ADP
aijes-6435	39	10	digital	digital	ADJ
aijes-6435	39	11	channels	channel	NOUN
aijes-6435	39	12	by	by	ADP
aijes-6435	39	13	smes	sme	NOUN
aijes-6435	39	14	is	be	AUX
aijes-6435	39	15	introduction	introduction	NOUN
aijes-6435	39	16	of	of	ADP
aijes-6435	39	17	online	online	ADJ
aijes-6435	39	18	sales	sale	NOUN
aijes-6435	39	19	platform	platform	NOUN
aijes-6435	39	20	for	for	ADP
aijes-6435	39	21	micro	micro	NOUN
aijes-6435	39	22	,	,	PUNCT
aijes-6435	39	23	small	small	ADJ
aijes-6435	39	24	and	and	CCONJ
aijes-6435	39	25	medium	medium	ADJ
aijes-6435	39	26	entrepreneurs	entrepreneur	NOUN
aijes-6435	39	27	called	call	VERB
aijes-6435	39	28	“	"	PUNCT
aijes-6435	39	29	kobmarket	kobmarket	NOUN
aijes-6435	39	30	”	"	PUNCT
aijes-6435	39	31	.	.	PUNCT
aijes-6435	40	1	smes	sme	NOUN
aijes-6435	40	2	can	can	AUX
aijes-6435	40	3	easily	easily	ADV
aijes-6435	40	4	register	register	VERB
aijes-6435	40	5	there	there	ADV
aijes-6435	40	6	and	and	CCONJ
aijes-6435	40	7	sell	sell	VERB
aijes-6435	40	8	their	their	PRON
aijes-6435	40	9	products	product	NOUN
aijes-6435	40	10	according	accord	VERB
aijes-6435	40	11	to	to	ADP
aijes-6435	40	12	relevant	relevant	ADJ
aijes-6435	40	13	guidelines	guideline	NOUN
aijes-6435	40	14	.	.	PUNCT
aijes-6435	41	1	nazrin	nazrin	PROPN
aijes-6435	41	2	akhundzada	akhundzada	PROPN
aijes-6435	41	3	,	,	PUNCT
aijes-6435	41	4	inara	inara	VERB
aijes-6435	41	5	rzayeva	rzayeva	NOUN
aijes-6435	41	6	3	3	NUM
aijes-6435	41	7	as	as	SCONJ
aijes-6435	41	8	admitted	admit	VERB
aijes-6435	41	9	by	by	ADP
aijes-6435	41	10	the	the	DET
aijes-6435	41	11	state	state	NOUN
aijes-6435	41	12	statistical	statistical	ADJ
aijes-6435	41	13	committee	committee	NOUN
aijes-6435	41	14	of	of	ADP
aijes-6435	41	15	the	the	DET
aijes-6435	41	16	republic	republic	NOUN
aijes-6435	41	17	of	of	ADP
aijes-6435	41	18	azerbaijan	azerbaijan	PROPN
aijes-6435	41	19	(	(	PUNCT
aijes-6435	41	20	2022	2022	NUM
aijes-6435	41	21	)	)	PUNCT
aijes-6435	41	22	,	,	PUNCT
aijes-6435	41	23	the	the	DET
aijes-6435	41	24	role	role	NOUN
aijes-6435	41	25	of	of	ADP
aijes-6435	41	26	banks	bank	NOUN
aijes-6435	41	27	in	in	ADP
aijes-6435	41	28	financing	finance	VERB
aijes-6435	41	29	capital	capital	NOUN
aijes-6435	41	30	investments	investment	NOUN
aijes-6435	41	31	declined	decline	VERB
aijes-6435	41	32	in	in	ADP
aijes-6435	41	33	2021	2021	NUM
aijes-6435	41	34	compared	compare	VERB
aijes-6435	41	35	to	to	ADP
aijes-6435	41	36	the	the	DET
aijes-6435	41	37	importance	importance	NOUN
aijes-6435	41	38	of	of	ADP
aijes-6435	41	39	internal	internal	ADJ
aijes-6435	41	40	sources	source	NOUN
aijes-6435	41	41	of	of	ADP
aijes-6435	41	42	funding	funding	NOUN
aijes-6435	41	43	.	.	PUNCT
aijes-6435	42	1	meanwhile	meanwhile	ADV
aijes-6435	42	2	,	,	PUNCT
aijes-6435	42	3	the	the	DET
aijes-6435	42	4	enterprise	enterprise	NOUN
aijes-6435	42	5	survey	survey	NOUN
aijes-6435	42	6	conducted	conduct	VERB
aijes-6435	42	7	by	by	ADP
aijes-6435	42	8	world	world	PROPN
aijes-6435	42	9	bank	bank	PROPN
aijes-6435	42	10	by	by	ADP
aijes-6435	42	11	interviewing	interview	VERB
aijes-6435	42	12	225	225	NUM
aijes-6435	42	13	firms	firm	NOUN
aijes-6435	42	14	from	from	ADP
aijes-6435	42	15	july	july	PROPN
aijes-6435	42	16	2019	2019	NUM
aijes-6435	42	17	to	to	ADP
aijes-6435	42	18	march	march	PROPN
aijes-6435	42	19	2020	2020	NUM
aijes-6435	42	20	demonstrates	demonstrate	VERB
aijes-6435	42	21	in	in	ADP
aijes-6435	42	22	figure	figure	NOUN
aijes-6435	42	23	2	2	NUM
aijes-6435	42	24	that	that	SCONJ
aijes-6435	42	25	the	the	DET
aijes-6435	42	26	percentage	percentage	NOUN
aijes-6435	42	27	of	of	ADP
aijes-6435	42	28	firms	firm	NOUN
aijes-6435	42	29	of	of	ADP
aijes-6435	42	30	different	different	ADJ
aijes-6435	42	31	size	size	NOUN
aijes-6435	42	32	not	not	PART
aijes-6435	42	33	feeling	feel	VERB
aijes-6435	42	34	necessary	necessary	ADJ
aijes-6435	42	35	to	to	PART
aijes-6435	42	36	obtain	obtain	VERB
aijes-6435	42	37	a	a	DET
aijes-6435	42	38	loan	loan	NOUN
aijes-6435	42	39	is	be	AUX
aijes-6435	42	40	higher	high	ADJ
aijes-6435	42	41	in	in	ADP
aijes-6435	42	42	azerbaijan	azerbaijan	PROPN
aijes-6435	42	43	compared	compare	VERB
aijes-6435	42	44	to	to	ADP
aijes-6435	42	45	the	the	DET
aijes-6435	42	46	average	average	NOUN
aijes-6435	42	47	of	of	ADP
aijes-6435	42	48	europe	europe	PROPN
aijes-6435	42	49	and	and	CCONJ
aijes-6435	42	50	central	central	PROPN
aijes-6435	42	51	asia	asia	PROPN
aijes-6435	42	52	(	(	PUNCT
aijes-6435	42	53	eca	eca	NOUN
aijes-6435	42	54	)	)	PUNCT
aijes-6435	42	55	region	region	NOUN
aijes-6435	42	56	(	(	PUNCT
aijes-6435	42	57	world	world	PROPN
aijes-6435	42	58	bank	bank	PROPN
aijes-6435	42	59	,	,	PUNCT
aijes-6435	42	60	2020	2020	NUM
aijes-6435	42	61	)	)	PUNCT
aijes-6435	42	62	.	.	PUNCT
aijes-6435	43	1	figure	figure	NOUN
aijes-6435	43	2	2	2	NUM
aijes-6435	43	3	.	.	NOUN
aijes-6435	43	4	percentage	percentage	NOUN
aijes-6435	43	5	of	of	ADP
aijes-6435	43	6	firms	firm	NOUN
aijes-6435	43	7	not	not	PART
aijes-6435	43	8	needing	need	VERB
aijes-6435	43	9	a	a	DET
aijes-6435	43	10	loan	loan	NOUN
aijes-6435	43	11	source	source	NOUN
aijes-6435	43	12	:	:	PUNCT
aijes-6435	43	13	world	world	PROPN
aijes-6435	43	14	bank	bank	PROPN
aijes-6435	43	15	enterprise	enterprise	NOUN
aijes-6435	43	16	survey	survey	PROPN
aijes-6435	43	17	world	world	PROPN
aijes-6435	43	18	bank	bank	PROPN
aijes-6435	43	19	(	(	PUNCT
aijes-6435	43	20	2020	2020	NUM
aijes-6435	43	21	)	)	PUNCT
aijes-6435	43	22	collected	collect	VERB
aijes-6435	43	23	data	datum	NOUN
aijes-6435	43	24	to	to	PART
aijes-6435	43	25	measure	measure	VERB
aijes-6435	43	26	regulations	regulation	NOUN
aijes-6435	43	27	applied	apply	VERB
aijes-6435	43	28	to	to	ADP
aijes-6435	43	29	smes	sme	NOUN
aijes-6435	43	30	across	across	ADP
aijes-6435	43	31	190	190	NUM
aijes-6435	43	32	economies	economy	NOUN
aijes-6435	43	33	.	.	PUNCT
aijes-6435	44	1	one	one	NUM
aijes-6435	44	2	of	of	ADP
aijes-6435	44	3	the	the	DET
aijes-6435	44	4	dimensions	dimension	NOUN
aijes-6435	44	5	quantitatively	quantitatively	ADV
aijes-6435	44	6	measured	measure	VERB
aijes-6435	44	7	in	in	ADP
aijes-6435	44	8	this	this	DET
aijes-6435	44	9	report	report	NOUN
aijes-6435	44	10	is	be	AUX
aijes-6435	44	11	getting	get	VERB
aijes-6435	44	12	credit	credit	NOUN
aijes-6435	44	13	.	.	PUNCT
aijes-6435	45	1	this	this	DET
aijes-6435	45	2	indicator	indicator	NOUN
aijes-6435	45	3	focuses	focus	VERB
aijes-6435	45	4	on	on	ADP
aijes-6435	45	5	two	two	NUM
aijes-6435	45	6	sets	set	NOUN
aijes-6435	45	7	of	of	ADP
aijes-6435	45	8	issues	issue	NOUN
aijes-6435	45	9	.	.	PUNCT
aijes-6435	46	1	the	the	DET
aijes-6435	46	2	first	first	ADJ
aijes-6435	46	3	one	one	NOUN
aijes-6435	46	4	is	be	AUX
aijes-6435	46	5	the	the	DET
aijes-6435	46	6	strength	strength	NOUN
aijes-6435	46	7	of	of	ADP
aijes-6435	46	8	the	the	DET
aijes-6435	46	9	credit	credit	NOUN
aijes-6435	46	10	reporting	reporting	NOUN
aijes-6435	46	11	system	system	NOUN
aijes-6435	46	12	and	and	CCONJ
aijes-6435	46	13	the	the	DET
aijes-6435	46	14	second	second	ADJ
aijes-6435	46	15	one	one	NOUN
aijes-6435	46	16	is	be	AUX
aijes-6435	46	17	the	the	DET
aijes-6435	46	18	effectiveness	effectiveness	NOUN
aijes-6435	46	19	of	of	ADP
aijes-6435	46	20	collateral	collateral	NOUN
aijes-6435	46	21	and	and	CCONJ
aijes-6435	46	22	bankruptcy	bankruptcy	NOUN
aijes-6435	46	23	laws	law	NOUN
aijes-6435	46	24	in	in	ADP
aijes-6435	46	25	facilitating	facilitate	VERB
aijes-6435	46	26	lending	lending	NOUN
aijes-6435	46	27	.	.	PUNCT
aijes-6435	47	1	there	there	PRON
aijes-6435	47	2	are	be	VERB
aijes-6435	47	3	two	two	NUM
aijes-6435	47	4	main	main	ADJ
aijes-6435	47	5	indexes	index	NOUN
aijes-6435	47	6	captured	capture	VERB
aijes-6435	47	7	in	in	ADP
aijes-6435	47	8	figure	figure	NOUN
aijes-6435	47	9	3	3	NUM
aijes-6435	47	10	for	for	ADP
aijes-6435	47	11	getting	get	VERB
aijes-6435	47	12	credit	credit	NOUN
aijes-6435	47	13	score	score	NOUN
aijes-6435	47	14	:	:	PUNCT
aijes-6435	47	15	●	●	PUNCT
aijes-6435	47	16	strength	strength	NOUN
aijes-6435	47	17	of	of	ADP
aijes-6435	47	18	legal	legal	ADJ
aijes-6435	47	19	rights	right	NOUN
aijes-6435	47	20	(	(	PUNCT
aijes-6435	47	21	0	0	NUM
aijes-6435	47	22	-	-	SYM
aijes-6435	47	23	12	12	NUM
aijes-6435	47	24	)	)	PUNCT
aijes-6435	48	1	●	●	NUM
aijes-6435	48	2	depth	depth	NOUN
aijes-6435	48	3	of	of	ADP
aijes-6435	48	4	credit	credit	NOUN
aijes-6435	48	5	information	information	NOUN
aijes-6435	48	6	(	(	PUNCT
aijes-6435	48	7	0	0	NUM
aijes-6435	48	8	-	-	SYM
aijes-6435	48	9	8)	8)	NUM
aijes-6435	48	10	the	the	DET
aijes-6435	48	11	score	score	NOUN
aijes-6435	48	12	for	for	ADP
aijes-6435	48	13	strength	strength	NOUN
aijes-6435	48	14	of	of	ADP
aijes-6435	48	15	legal	legal	ADJ
aijes-6435	48	16	rights	right	NOUN
aijes-6435	48	17	was	be	AUX
aijes-6435	48	18	at	at	ADP
aijes-6435	48	19	a	a	DET
aijes-6435	48	20	maximum	maximum	NOUN
aijes-6435	48	21	of	of	ADP
aijes-6435	48	22	12	12	NUM
aijes-6435	48	23	,	,	PUNCT
aijes-6435	48	24	whereas	whereas	SCONJ
aijes-6435	48	25	depth	depth	NOUN
aijes-6435	48	26	of	of	ADP
aijes-6435	48	27	credit	credit	NOUN
aijes-6435	48	28	information	information	NOUN
aijes-6435	48	29	stood	stand	VERB
aijes-6435	48	30	at	at	ADP
aijes-6435	48	31	maximum	maximum	NOUN
aijes-6435	48	32	of	of	ADP
aijes-6435	48	33	8	8	NUM
aijes-6435	48	34	.	.	PUNCT
aijes-6435	49	1	these	these	DET
aijes-6435	49	2	indexes	index	NOUN
aijes-6435	49	3	reflect	reflect	VERB
aijes-6435	49	4	important	important	ADJ
aijes-6435	49	5	issues	issue	NOUN
aijes-6435	49	6	regarding	regard	VERB
aijes-6435	49	7	legal	legal	ADJ
aijes-6435	49	8	framework	framework	NOUN
aijes-6435	49	9	,	,	PUNCT
aijes-6435	49	10	collateral	collateral	ADJ
aijes-6435	49	11	registry	registry	NOUN
aijes-6435	49	12	and	and	CCONJ
aijes-6435	49	13	distribution	distribution	NOUN
aijes-6435	49	14	of	of	ADP
aijes-6435	49	15	credit	credit	NOUN
aijes-6435	49	16	data	datum	NOUN
aijes-6435	49	17	.	.	PUNCT
aijes-6435	50	1	figure	figure	NOUN
aijes-6435	50	2	3	3	NUM
aijes-6435	50	3	.	.	PUNCT
aijes-6435	51	1	getting	get	VERB
aijes-6435	51	2	credit2020	credit2020	PROPN
aijes-6435	51	3	.	.	PUNCT
aijes-6435	52	1	azerbaijan	azerbaijan	PROPN
aijes-6435	52	2	source	source	PROPN
aijes-6435	52	3	:	:	PUNCT
aijes-6435	52	4	world	world	PROPN
aijes-6435	52	5	bank	bank	PROPN
aijes-6435	52	6	doing	do	VERB
aijes-6435	52	7	business	business	NOUN
aijes-6435	52	8	2020	2020	NUM
aijes-6435	52	9	the	the	DET
aijes-6435	52	10	implementation	implementation	NOUN
aijes-6435	52	11	of	of	ADP
aijes-6435	52	12	digital	digital	ADJ
aijes-6435	52	13	channels	channel	NOUN
aijes-6435	52	14	in	in	ADP
aijes-6435	52	15	business	business	NOUN
aijes-6435	52	16	processes	process	NOUN
aijes-6435	52	17	and	and	CCONJ
aijes-6435	52	18	access	access	NOUN
aijes-6435	52	19	to	to	ADP
aijes-6435	52	20	finance	finance	NOUN
aijes-6435	52	21	for	for	ADP
aijes-6435	52	22	msmes	msme	NOUN
aijes-6435	52	23	in	in	ADP
aijes-6435	52	24	azerbaijan	azerbaijan	PROPN
aijes-6435	52	25	4	4	NUM
aijes-6435	52	26	digital	digital	ADJ
aijes-6435	52	27	payments	payment	NOUN
aijes-6435	52	28	strategy	strategy	NOUN
aijes-6435	52	29	of	of	ADP
aijes-6435	52	30	central	central	ADJ
aijes-6435	52	31	bank	bank	PROPN
aijes-6435	52	32	of	of	ADP
aijes-6435	52	33	azerbaijan	azerbaijan	PROPN
aijes-6435	52	34	for	for	ADP
aijes-6435	52	35	2021	2021	NUM
aijes-6435	52	36	-	-	SYM
aijes-6435	52	37	2023	2023	NUM
aijes-6435	52	38	has	have	AUX
aijes-6435	52	39	been	be	AUX
aijes-6435	52	40	developed	develop	VERB
aijes-6435	52	41	to	to	PART
aijes-6435	52	42	ensure	ensure	VERB
aijes-6435	52	43	access	access	NOUN
aijes-6435	52	44	to	to	ADP
aijes-6435	52	45	affordable	affordable	ADJ
aijes-6435	52	46	payment	payment	NOUN
aijes-6435	52	47	services	service	NOUN
aijes-6435	52	48	for	for	ADP
aijes-6435	52	49	all	all	DET
aijes-6435	52	50	groups	group	NOUN
aijes-6435	52	51	of	of	ADP
aijes-6435	52	52	population	population	NOUN
aijes-6435	52	53	and	and	CCONJ
aijes-6435	52	54	businesses	business	NOUN
aijes-6435	52	55	(	(	PUNCT
aijes-6435	52	56	cbar	cbar	ADJ
aijes-6435	52	57	,	,	PUNCT
aijes-6435	52	58	2021	2021	NUM
aijes-6435	52	59	)	)	PUNCT
aijes-6435	52	60	.	.	PUNCT
aijes-6435	53	1	according	accord	VERB
aijes-6435	53	2	to	to	ADP
aijes-6435	53	3	statistics	statistic	NOUN
aijes-6435	53	4	,	,	PUNCT
aijes-6435	53	5	the	the	DET
aijes-6435	53	6	volume	volume	NOUN
aijes-6435	53	7	of	of	ADP
aijes-6435	53	8	e	e	PROPN
aijes-6435	53	9	-	-	NOUN
aijes-6435	53	10	commerce	commerce	NOUN
aijes-6435	53	11	transactions	transaction	NOUN
aijes-6435	53	12	in	in	ADP
aijes-6435	53	13	the	the	DET
aijes-6435	53	14	country	country	NOUN
aijes-6435	53	15	has	have	AUX
aijes-6435	53	16	increased	increase	VERB
aijes-6435	53	17	from	from	ADP
aijes-6435	53	18	2016	2016	NUM
aijes-6435	53	19	to	to	ADP
aijes-6435	53	20	2020	2020	NUM
aijes-6435	53	21	by	by	ADP
aijes-6435	53	22	12.1	12.1	NUM
aijes-6435	53	23	times	time	NOUN
aijes-6435	53	24	.	.	PUNCT
aijes-6435	54	1	an	an	DET
aijes-6435	54	2	upward	upward	ADJ
aijes-6435	54	3	trend	trend	NOUN
aijes-6435	54	4	was	be	AUX
aijes-6435	54	5	also	also	ADV
aijes-6435	54	6	found	find	VERB
aijes-6435	54	7	in	in	ADP
aijes-6435	54	8	the	the	DET
aijes-6435	54	9	usage	usage	NOUN
aijes-6435	54	10	of	of	ADP
aijes-6435	54	11	e	e	NOUN
aijes-6435	54	12	-	-	ADJ
aijes-6435	54	13	banking	banking	ADJ
aijes-6435	54	14	services	service	NOUN
aijes-6435	54	15	.	.	PUNCT
aijes-6435	55	1	as	as	ADP
aijes-6435	55	2	a	a	DET
aijes-6435	55	3	piece	piece	NOUN
aijes-6435	55	4	of	of	ADP
aijes-6435	55	5	evidence	evidence	NOUN
aijes-6435	55	6	,	,	PUNCT
aijes-6435	55	7	61.6	61.6	NUM
aijes-6435	55	8	percent	percent	NOUN
aijes-6435	55	9	of	of	ADP
aijes-6435	55	10	customer	customer	NOUN
aijes-6435	55	11	transfers	transfer	NOUN
aijes-6435	55	12	from	from	ADP
aijes-6435	55	13	current	current	ADJ
aijes-6435	55	14	accounts	account	NOUN
aijes-6435	55	15	were	be	AUX
aijes-6435	55	16	made	make	VERB
aijes-6435	55	17	through	through	ADP
aijes-6435	55	18	e	e	NOUN
aijes-6435	55	19	-	-	NOUN
aijes-6435	55	20	banking	banking	NOUN
aijes-6435	55	21	in	in	ADP
aijes-6435	55	22	2020	2020	NUM
aijes-6435	55	23	compared	compare	VERB
aijes-6435	55	24	to	to	ADP
aijes-6435	55	25	4.5	4.5	NUM
aijes-6435	55	26	percent	percent	NOUN
aijes-6435	55	27	in	in	ADP
aijes-6435	55	28	2016	2016	NUM
aijes-6435	55	29	.	.	PUNCT
aijes-6435	56	1	however	however	ADV
aijes-6435	56	2	,	,	PUNCT
aijes-6435	56	3	despite	despite	SCONJ
aijes-6435	56	4	the	the	DET
aijes-6435	56	5	rapid	rapid	ADJ
aijes-6435	56	6	growth	growth	NOUN
aijes-6435	56	7	over	over	ADP
aijes-6435	56	8	the	the	DET
aijes-6435	56	9	last	last	ADJ
aijes-6435	56	10	few	few	ADJ
aijes-6435	56	11	years	year	NOUN
aijes-6435	56	12	,	,	PUNCT
aijes-6435	56	13	the	the	DET
aijes-6435	56	14	level	level	NOUN
aijes-6435	56	15	of	of	ADP
aijes-6435	56	16	adoption	adoption	NOUN
aijes-6435	56	17	of	of	ADP
aijes-6435	56	18	cashless	cashless	NOUN
aijes-6435	56	19	payments	payment	NOUN
aijes-6435	56	20	among	among	ADP
aijes-6435	56	21	the	the	DET
aijes-6435	56	22	population	population	NOUN
aijes-6435	56	23	still	still	ADV
aijes-6435	56	24	lags	lag	VERB
aijes-6435	56	25	behind	behind	ADP
aijes-6435	56	26	those	those	PRON
aijes-6435	56	27	of	of	ADP
aijes-6435	56	28	advanced	advanced	ADJ
aijes-6435	56	29	countries	country	NOUN
aijes-6435	56	30	.	.	PUNCT
aijes-6435	57	1	analysis	analysis	NOUN
aijes-6435	57	2	of	of	ADP
aijes-6435	57	3	trends	trend	NOUN
aijes-6435	57	4	about	about	ADP
aijes-6435	57	5	sources	source	NOUN
aijes-6435	57	6	of	of	ADP
aijes-6435	57	7	loans	loan	NOUN
aijes-6435	57	8	issued	issue	VERB
aijes-6435	57	9	for	for	ADP
aijes-6435	57	10	msme	msme	NOUN
aijes-6435	57	11	reveals	reveal	VERB
aijes-6435	57	12	that	that	SCONJ
aijes-6435	57	13	funding	funding	NOUN
aijes-6435	57	14	of	of	ADP
aijes-6435	57	15	credits	credit	NOUN
aijes-6435	57	16	given	give	VERB
aijes-6435	57	17	by	by	ADP
aijes-6435	57	18	banks	bank	NOUN
aijes-6435	57	19	is	be	AUX
aijes-6435	57	20	mainly	mainly	ADV
aijes-6435	57	21	financed	finance	VERB
aijes-6435	57	22	through	through	ADP
aijes-6435	57	23	internal	internal	ADJ
aijes-6435	57	24	funds	fund	NOUN
aijes-6435	57	25	of	of	ADP
aijes-6435	57	26	banks	bank	NOUN
aijes-6435	57	27	.	.	PUNCT
aijes-6435	58	1	according	accord	VERB
aijes-6435	58	2	to	to	ADP
aijes-6435	58	3	financial	financial	ADJ
aijes-6435	58	4	stability	stability	NOUN
aijes-6435	58	5	report	report	NOUN
aijes-6435	58	6	prepared	prepare	VERB
aijes-6435	58	7	by	by	ADP
aijes-6435	58	8	cbar	cbar	ADJ
aijes-6435	58	9	(	(	PUNCT
aijes-6435	58	10	2022	2022	NUM
aijes-6435	58	11	)	)	PUNCT
aijes-6435	58	12	,	,	PUNCT
aijes-6435	58	13	the	the	DET
aijes-6435	58	14	percentage	percentage	NOUN
aijes-6435	58	15	of	of	ADP
aijes-6435	58	16	funds	fund	NOUN
aijes-6435	58	17	provided	provide	VERB
aijes-6435	58	18	by	by	ADP
aijes-6435	58	19	banks	bank	NOUN
aijes-6435	58	20	accounts	account	VERB
aijes-6435	58	21	for	for	ADP
aijes-6435	58	22	more	more	ADJ
aijes-6435	58	23	than	than	ADP
aijes-6435	58	24	80	80	NUM
aijes-6435	58	25	%	%	NOUN
aijes-6435	58	26	of	of	ADP
aijes-6435	58	27	total	total	ADJ
aijes-6435	58	28	sources	source	NOUN
aijes-6435	58	29	from	from	ADP
aijes-6435	58	30	2020	2020	NUM
aijes-6435	58	31	to	to	ADP
aijes-6435	58	32	2022	2022	NUM
aijes-6435	58	33	.	.	PUNCT
aijes-6435	59	1	regarding	regard	VERB
aijes-6435	59	2	the	the	DET
aijes-6435	59	3	share	share	NOUN
aijes-6435	59	4	of	of	ADP
aijes-6435	59	5	msmes	msme	NOUN
aijes-6435	59	6	lending	lend	VERB
aijes-6435	59	7	in	in	ADP
aijes-6435	59	8	total	total	ADJ
aijes-6435	59	9	business	business	NOUN
aijes-6435	59	10	loans	loan	NOUN
aijes-6435	59	11	,	,	PUNCT
aijes-6435	59	12	there	there	PRON
aijes-6435	59	13	is	be	VERB
aijes-6435	59	14	a	a	DET
aijes-6435	59	15	strong	strong	ADJ
aijes-6435	59	16	upward	upward	ADJ
aijes-6435	59	17	trend	trend	NOUN
aijes-6435	59	18	from	from	ADP
aijes-6435	59	19	2018	2018	NUM
aijes-6435	59	20	until	until	ADP
aijes-6435	59	21	2022	2022	NUM
aijes-6435	59	22	.	.	PUNCT
aijes-6435	60	1	this	this	DET
aijes-6435	60	2	indicator	indicator	NOUN
aijes-6435	60	3	obviously	obviously	ADV
aijes-6435	60	4	states	state	VERB
aijes-6435	60	5	a	a	DET
aijes-6435	60	6	surge	surge	NOUN
aijes-6435	60	7	in	in	ADP
aijes-6435	60	8	access	access	NOUN
aijes-6435	60	9	to	to	ADP
aijes-6435	60	10	finance	finance	NOUN
aijes-6435	60	11	for	for	ADP
aijes-6435	60	12	msmes	msme	NOUN
aijes-6435	60	13	so	so	SCONJ
aijes-6435	60	14	that	that	SCONJ
aijes-6435	60	15	recently	recently	ADV
aijes-6435	60	16	more	more	ADJ
aijes-6435	60	17	than	than	ADP
aijes-6435	60	18	half	half	NOUN
aijes-6435	60	19	of	of	ADP
aijes-6435	60	20	distributed	distribute	VERB
aijes-6435	60	21	credit	credit	NOUN
aijes-6435	60	22	has	have	AUX
aijes-6435	60	23	been	be	AUX
aijes-6435	60	24	given	give	VERB
aijes-6435	60	25	to	to	ADP
aijes-6435	60	26	these	these	DET
aijes-6435	60	27	types	type	NOUN
aijes-6435	60	28	of	of	ADP
aijes-6435	60	29	firms	firm	NOUN
aijes-6435	60	30	.	.	PUNCT
aijes-6435	61	1	the	the	DET
aijes-6435	61	2	growth	growth	NOUN
aijes-6435	61	3	of	of	ADP
aijes-6435	61	4	business	business	NOUN
aijes-6435	61	5	loans	loan	NOUN
aijes-6435	61	6	continued	continue	VERB
aijes-6435	61	7	due	due	ADP
aijes-6435	61	8	to	to	ADP
aijes-6435	61	9	implemented	implement	VERB
aijes-6435	61	10	anti	anti	ADJ
aijes-6435	61	11	-	-	ADJ
aijes-6435	61	12	crisis	crisis	ADJ
aijes-6435	61	13	measures	measure	NOUN
aijes-6435	61	14	to	to	PART
aijes-6435	61	15	minimize	minimize	VERB
aijes-6435	61	16	the	the	DET
aijes-6435	61	17	negative	negative	ADJ
aijes-6435	61	18	impact	impact	NOUN
aijes-6435	61	19	during	during	ADP
aijes-6435	61	20	the	the	DET
aijes-6435	61	21	pandemic	pandemic	ADJ
aijes-6435	61	22	period	period	NOUN
aijes-6435	61	23	as	as	SCONJ
aijes-6435	61	24	it	it	PRON
aijes-6435	61	25	is	be	AUX
aijes-6435	61	26	mentioned	mention	VERB
aijes-6435	61	27	in	in	ADP
aijes-6435	61	28	financial	financial	ADJ
aijes-6435	61	29	stability	stability	NOUN
aijes-6435	61	30	report	report	NOUN
aijes-6435	61	31	of	of	ADP
aijes-6435	61	32	2021(cbar	2021(cbar	NUM
aijes-6435	61	33	,	,	PUNCT
aijes-6435	61	34	2021	2021	NUM
aijes-6435	61	35	)	)	PUNCT
aijes-6435	61	36	.	.	PUNCT
aijes-6435	62	1	figure	figure	VERB
aijes-6435	62	2	4	4	NUM
aijes-6435	62	3	.	.	PUNCT
aijes-6435	62	4	percentage	percentage	NOUN
aijes-6435	62	5	of	of	ADP
aijes-6435	62	6	business	business	NOUN
aijes-6435	62	7	loans	loan	NOUN
aijes-6435	62	8	allocated	allocate	VERB
aijes-6435	62	9	to	to	ADP
aijes-6435	62	10	msmes	msme	NOUN
aijes-6435	62	11	in	in	ADP
aijes-6435	62	12	azerbaijan	azerbaijan	PROPN
aijes-6435	62	13	source	source	NOUN
aijes-6435	62	14	:	:	PUNCT
aijes-6435	62	15	central	central	ADJ
aijes-6435	62	16	bank	bank	PROPN
aijes-6435	62	17	of	of	ADP
aijes-6435	62	18	azerbaijan	azerbaijan	PROPN
aijes-6435	62	19	on	on	ADP
aijes-6435	62	20	the	the	DET
aijes-6435	62	21	other	other	ADJ
aijes-6435	62	22	side	side	NOUN
aijes-6435	62	23	,	,	PUNCT
aijes-6435	62	24	the	the	DET
aijes-6435	62	25	number	number	NOUN
aijes-6435	62	26	of	of	ADP
aijes-6435	62	27	opened	open	VERB
aijes-6435	62	28	current	current	ADJ
aijes-6435	62	29	accounts	account	NOUN
aijes-6435	62	30	in	in	ADP
aijes-6435	62	31	banks	bank	NOUN
aijes-6435	62	32	for	for	ADP
aijes-6435	62	33	individual	individual	ADJ
aijes-6435	62	34	entrepreneurs	entrepreneur	NOUN
aijes-6435	62	35	who	who	PRON
aijes-6435	62	36	comprise	comprise	VERB
aijes-6435	62	37	micro	micro	ADJ
aijes-6435	62	38	businesses	business	NOUN
aijes-6435	62	39	increased	increase	VERB
aijes-6435	62	40	dramatically	dramatically	ADV
aijes-6435	62	41	since	since	SCONJ
aijes-6435	62	42	2016	2016	NUM
aijes-6435	62	43	.	.	PUNCT
aijes-6435	63	1	basically	basically	ADV
aijes-6435	63	2	,	,	PUNCT
aijes-6435	63	3	this	this	DET
aijes-6435	63	4	fact	fact	NOUN
aijes-6435	63	5	suggests	suggest	VERB
aijes-6435	63	6	an	an	DET
aijes-6435	63	7	increase	increase	NOUN
aijes-6435	63	8	in	in	ADP
aijes-6435	63	9	the	the	DET
aijes-6435	63	10	usage	usage	NOUN
aijes-6435	63	11	of	of	ADP
aijes-6435	63	12	banking	banking	NOUN
aijes-6435	63	13	services	service	NOUN
aijes-6435	63	14	by	by	ADP
aijes-6435	63	15	them	they	PRON
aijes-6435	63	16	.	.	PUNCT
aijes-6435	64	1	nazrin	nazrin	PROPN
aijes-6435	64	2	akhundzada	akhundzada	PROPN
aijes-6435	64	3	,	,	PUNCT
aijes-6435	64	4	inara	inara	VERB
aijes-6435	64	5	rzayeva	rzayeva	NOUN
aijes-6435	64	6	5	5	NUM
aijes-6435	64	7	figure	figure	NOUN
aijes-6435	64	8	5	5	NUM
aijes-6435	64	9	.	.	PUNCT
aijes-6435	64	10	number	number	NOUN
aijes-6435	64	11	of	of	ADP
aijes-6435	64	12	opened	open	VERB
aijes-6435	64	13	current	current	ADJ
aijes-6435	64	14	accounts	account	NOUN
aijes-6435	64	15	by	by	ADP
aijes-6435	64	16	individuals	individual	NOUN
aijes-6435	64	17	engaged	engage	VERB
aijes-6435	64	18	in	in	ADP
aijes-6435	64	19	entrepreneurship	entrepreneurship	NOUN
aijes-6435	64	20	source	source	NOUN
aijes-6435	64	21	:	:	PUNCT
aijes-6435	64	22	central	central	ADJ
aijes-6435	64	23	bank	bank	PROPN
aijes-6435	64	24	of	of	ADP
aijes-6435	64	25	azerbaijan	azerbaijan	PROPN
aijes-6435	64	26	methodology	methodology	PROPN
aijes-6435	64	27	the	the	DET
aijes-6435	64	28	absence	absence	NOUN
aijes-6435	64	29	of	of	ADP
aijes-6435	64	30	relevant	relevant	ADJ
aijes-6435	64	31	financial	financial	ADJ
aijes-6435	64	32	statements	statement	NOUN
aijes-6435	64	33	is	be	AUX
aijes-6435	64	34	one	one	NUM
aijes-6435	64	35	of	of	ADP
aijes-6435	64	36	the	the	DET
aijes-6435	64	37	factors	factor	NOUN
aijes-6435	64	38	preventing	prevent	VERB
aijes-6435	64	39	access	access	NOUN
aijes-6435	64	40	to	to	ADP
aijes-6435	64	41	finance	finance	NOUN
aijes-6435	64	42	for	for	ADP
aijes-6435	64	43	msmes	msme	NOUN
aijes-6435	64	44	(	(	PUNCT
aijes-6435	64	45	cbar	cbar	ADJ
aijes-6435	64	46	,	,	PUNCT
aijes-6435	64	47	2021	2021	NUM
aijes-6435	64	48	)	)	PUNCT
aijes-6435	64	49	.	.	PUNCT
aijes-6435	65	1	on	on	ADP
aijes-6435	65	2	the	the	DET
aijes-6435	65	3	other	other	ADJ
aijes-6435	65	4	hand	hand	NOUN
aijes-6435	65	5	,	,	PUNCT
aijes-6435	65	6	the	the	DET
aijes-6435	65	7	adoption	adoption	NOUN
aijes-6435	65	8	of	of	ADP
aijes-6435	65	9	ict	ict	PROPN
aijes-6435	65	10	-	-	PUNCT
aijes-6435	65	11	based	base	VERB
aijes-6435	65	12	services	service	NOUN
aijes-6435	65	13	facilitates	facilitate	VERB
aijes-6435	65	14	access	access	NOUN
aijes-6435	65	15	to	to	ADP
aijes-6435	65	16	formal	formal	ADJ
aijes-6435	65	17	financial	financial	ADJ
aijes-6435	65	18	resources	resource	NOUN
aijes-6435	65	19	for	for	ADP
aijes-6435	65	20	msmes	msme	NOUN
aijes-6435	65	21	by	by	ADP
aijes-6435	65	22	making	make	VERB
aijes-6435	65	23	available	available	ADJ
aijes-6435	65	24	records	record	NOUN
aijes-6435	65	25	of	of	ADP
aijes-6435	65	26	business	business	NOUN
aijes-6435	65	27	transactions	transaction	NOUN
aijes-6435	65	28	via	via	ADP
aijes-6435	65	29	digital	digital	ADJ
aijes-6435	65	30	platforms	platform	NOUN
aijes-6435	65	31	.	.	PUNCT
aijes-6435	66	1	by	by	ADP
aijes-6435	66	2	using	use	VERB
aijes-6435	66	3	these	these	DET
aijes-6435	66	4	records	record	NOUN
aijes-6435	66	5	financial	financial	ADJ
aijes-6435	66	6	institutions	institution	NOUN
aijes-6435	66	7	can	can	AUX
aijes-6435	66	8	assess	assess	VERB
aijes-6435	66	9	the	the	DET
aijes-6435	66	10	creditworthiness	creditworthiness	NOUN
aijes-6435	66	11	of	of	ADP
aijes-6435	66	12	business	business	NOUN
aijes-6435	66	13	entities	entity	NOUN
aijes-6435	66	14	.	.	PUNCT
aijes-6435	67	1	e	e	X
aijes-6435	67	2	-	-	NOUN
aijes-6435	67	3	commerce	commerce	NOUN
aijes-6435	67	4	platforms	platform	NOUN
aijes-6435	67	5	are	be	AUX
aijes-6435	67	6	one	one	NUM
aijes-6435	67	7	of	of	ADP
aijes-6435	67	8	the	the	DET
aijes-6435	67	9	bright	bright	ADJ
aijes-6435	67	10	examples	example	NOUN
aijes-6435	67	11	of	of	ADP
aijes-6435	67	12	such	such	ADJ
aijes-6435	67	13	experience	experience	NOUN
aijes-6435	67	14	that	that	PRON
aijes-6435	67	15	enables	enable	VERB
aijes-6435	67	16	banks	bank	NOUN
aijes-6435	67	17	and	and	CCONJ
aijes-6435	67	18	other	other	ADJ
aijes-6435	67	19	financial	financial	ADJ
aijes-6435	67	20	institutions	institution	NOUN
aijes-6435	67	21	to	to	PART
aijes-6435	67	22	obtain	obtain	VERB
aijes-6435	67	23	relevant	relevant	ADJ
aijes-6435	67	24	information	information	NOUN
aijes-6435	67	25	about	about	ADP
aijes-6435	67	26	the	the	DET
aijes-6435	67	27	business	business	NOUN
aijes-6435	67	28	performance	performance	NOUN
aijes-6435	67	29	of	of	ADP
aijes-6435	67	30	msmes	msmes	PROPN
aijes-6435	67	31	.	.	PUNCT
aijes-6435	68	1	entrepreneurs	entrepreneur	NOUN
aijes-6435	68	2	who	who	PRON
aijes-6435	68	3	use	use	VERB
aijes-6435	68	4	e	e	NOUN
aijes-6435	68	5	-	-	NOUN
aijes-6435	68	6	commerce	commerce	NOUN
aijes-6435	68	7	to	to	PART
aijes-6435	68	8	run	run	VERB
aijes-6435	68	9	their	their	PRON
aijes-6435	68	10	businesses	business	NOUN
aijes-6435	68	11	are	be	AUX
aijes-6435	68	12	more	more	ADV
aijes-6435	68	13	likely	likely	ADJ
aijes-6435	68	14	to	to	PART
aijes-6435	68	15	achieve	achieve	VERB
aijes-6435	68	16	financial	financial	ADJ
aijes-6435	68	17	inclusion	inclusion	NOUN
aijes-6435	68	18	(	(	PUNCT
aijes-6435	68	19	wirdiyanti	wirdiyanti	NOUN
aijes-6435	68	20	,	,	PUNCT
aijes-6435	68	21	rosnita	rosnita	NOUN
aijes-6435	68	22	,	,	PUNCT
aijes-6435	68	23	et	et	PROPN
aijes-6435	68	24	al	al	PROPN
aijes-6435	68	25	.	.	PROPN
aijes-6435	68	26	2022	2022	NUM
aijes-6435	68	27	)	)	PUNCT
aijes-6435	68	28	.	.	PUNCT
aijes-6435	69	1	digitalization	digitalization	NOUN
aijes-6435	69	2	also	also	ADV
aijes-6435	69	3	has	have	VERB
aijes-6435	69	4	an	an	DET
aijes-6435	69	5	impact	impact	NOUN
aijes-6435	69	6	on	on	ADP
aijes-6435	69	7	the	the	DET
aijes-6435	69	8	profitability	profitability	NOUN
aijes-6435	69	9	of	of	ADP
aijes-6435	69	10	banks	bank	NOUN
aijes-6435	69	11	by	by	ADP
aijes-6435	69	12	increasing	increase	VERB
aijes-6435	69	13	return	return	NOUN
aijes-6435	69	14	on	on	ADP
aijes-6435	69	15	equity	equity	NOUN
aijes-6435	69	16	(	(	PUNCT
aijes-6435	69	17	roe	roe	PROPN
aijes-6435	69	18	)	)	PUNCT
aijes-6435	69	19	.	.	PUNCT
aijes-6435	70	1	this	this	DET
aijes-6435	70	2	article	article	NOUN
aijes-6435	70	3	applies	apply	VERB
aijes-6435	70	4	time	time	NOUN
aijes-6435	70	5	series	series	PROPN
aijes-6435	70	6	regression	regression	VERB
aijes-6435	70	7	analysis	analysis	NOUN
aijes-6435	70	8	for	for	ADP
aijes-6435	70	9	azerbaijan	azerbaijan	PROPN
aijes-6435	70	10	and	and	CCONJ
aijes-6435	70	11	investigates	investigate	VERB
aijes-6435	70	12	the	the	DET
aijes-6435	70	13	following	follow	VERB
aijes-6435	70	14	hypothesis	hypothesis	NOUN
aijes-6435	70	15	:	:	PUNCT
aijes-6435	70	16	●	●	PUNCT
aijes-6435	70	17	integration	integration	NOUN
aijes-6435	70	18	of	of	ADP
aijes-6435	70	19	digital	digital	ADJ
aijes-6435	70	20	tools	tool	NOUN
aijes-6435	70	21	into	into	ADP
aijes-6435	70	22	business	business	NOUN
aijes-6435	70	23	processes	process	NOUN
aijes-6435	70	24	improves	improve	VERB
aijes-6435	70	25	the	the	DET
aijes-6435	70	26	financial	financial	ADJ
aijes-6435	70	27	inclusion	inclusion	NOUN
aijes-6435	70	28	of	of	ADP
aijes-6435	70	29	msmes	msmes	PROPN
aijes-6435	70	30	.	.	PUNCT
aijes-6435	71	1	figure	figure	VERB
aijes-6435	71	2	6	6	NUM
aijes-6435	71	3	.	.	PUNCT
aijes-6435	72	1	proxy	proxy	NOUN
aijes-6435	72	2	variables	variable	NOUN
aijes-6435	72	3	for	for	ADP
aijes-6435	72	4	regression	regression	NOUN
aijes-6435	72	5	analysis	analysis	NOUN
aijes-6435	72	6	to	to	PART
aijes-6435	72	7	start	start	VERB
aijes-6435	72	8	research	research	NOUN
aijes-6435	72	9	,	,	PUNCT
aijes-6435	72	10	we	we	PRON
aijes-6435	72	11	need	need	VERB
aijes-6435	72	12	to	to	PART
aijes-6435	72	13	identify	identify	VERB
aijes-6435	72	14	relevant	relevant	ADJ
aijes-6435	72	15	variables	variable	NOUN
aijes-6435	72	16	for	for	ADP
aijes-6435	72	17	running	run	VERB
aijes-6435	72	18	a	a	DET
aijes-6435	72	19	quantitative	quantitative	ADJ
aijes-6435	72	20	analysis	analysis	NOUN
aijes-6435	72	21	.	.	PUNCT
aijes-6435	73	1	firstly	firstly	ADV
aijes-6435	73	2	,	,	PUNCT
aijes-6435	73	3	we	we	PRON
aijes-6435	73	4	perform	perform	VERB
aijes-6435	73	5	correlation	correlation	NOUN
aijes-6435	73	6	analysis	analysis	NOUN
aijes-6435	73	7	.	.	PUNCT
aijes-6435	74	1	there	there	PRON
aijes-6435	74	2	are	be	VERB
aijes-6435	74	3	two	two	NUM
aijes-6435	74	4	variables	variable	NOUN
aijes-6435	74	5	in	in	ADP
aijes-6435	74	6	figure	figure	NOUN
aijes-6435	74	7	7	7	NUM
aijes-6435	74	8	that	that	PRON
aijes-6435	74	9	are	be	AUX
aijes-6435	74	10	the	the	DET
aijes-6435	74	11	most	most	ADV
aijes-6435	74	12	relevant	relevant	ADJ
aijes-6435	74	13	ones	one	NOUN
aijes-6435	74	14	,	,	PUNCT
aijes-6435	74	15	according	accord	VERB
aijes-6435	74	16	to	to	ADP
aijes-6435	74	17	the	the	DET
aijes-6435	74	18	existing	exist	VERB
aijes-6435	74	19	literature	literature	NOUN
aijes-6435	74	20	,	,	PUNCT
aijes-6435	74	21	to	to	PART
aijes-6435	74	22	analyse	analyse	VERB
aijes-6435	74	23	the	the	DET
aijes-6435	74	24	relationship	relationship	NOUN
aijes-6435	74	25	between	between	ADP
aijes-6435	74	26	the	the	DET
aijes-6435	74	27	digitalization	digitalization	NOUN
aijes-6435	74	28	of	of	ADP
aijes-6435	74	29	business	business	NOUN
aijes-6435	74	30	operations	operation	NOUN
aijes-6435	74	31	and	and	CCONJ
aijes-6435	74	32	getting	get	VERB
aijes-6435	74	33	access	access	NOUN
aijes-6435	74	34	to	to	ADP
aijes-6435	74	35	financial	financial	ADJ
aijes-6435	74	36	resources	resource	NOUN
aijes-6435	74	37	for	for	ADP
aijes-6435	74	38	msmes	msme	NOUN
aijes-6435	74	39	.	.	PUNCT
aijes-6435	75	1	another	another	DET
aijes-6435	75	2	factor	factor	NOUN
aijes-6435	75	3	which	which	PRON
aijes-6435	75	4	plays	play	VERB
aijes-6435	75	5	number	number	NOUN
aijes-6435	75	6	of	of	ADP
aijes-6435	75	7	loans	loan	NOUN
aijes-6435	75	8	allocated	allocate	VERB
aijes-6435	75	9	to	to	ADP
aijes-6435	75	10	msmes	msme	NOUN
aijes-6435	75	11	represents	represent	VERB
aijes-6435	75	12	accessibility	accessibility	NOUN
aijes-6435	75	13	of	of	ADP
aijes-6435	75	14	finance	finance	NOUN
aijes-6435	75	15	for	for	ADP
aijes-6435	75	16	msmes	msme	NOUN
aijes-6435	75	17	number	number	NOUN
aijes-6435	75	18	of	of	ADP
aijes-6435	75	19	e	e	PROPN
aijes-6435	75	20	-	-	NOUN
aijes-6435	75	21	commerce	commerce	NOUN
aijes-6435	75	22	transactions	transaction	NOUN
aijes-6435	75	23	-represents	-represent	VERB
aijes-6435	75	24	the	the	DET
aijes-6435	75	25	degree	degree	NOUN
aijes-6435	75	26	of	of	ADP
aijes-6435	75	27	digitalization	digitalization	NOUN
aijes-6435	75	28	of	of	ADP
aijes-6435	75	29	business	business	NOUN
aijes-6435	75	30	the	the	DET
aijes-6435	75	31	implementation	implementation	NOUN
aijes-6435	75	32	of	of	ADP
aijes-6435	75	33	digital	digital	ADJ
aijes-6435	75	34	channels	channel	NOUN
aijes-6435	75	35	in	in	ADP
aijes-6435	75	36	business	business	NOUN
aijes-6435	75	37	processes	process	NOUN
aijes-6435	75	38	and	and	CCONJ
aijes-6435	75	39	access	access	NOUN
aijes-6435	75	40	to	to	ADP
aijes-6435	75	41	finance	finance	NOUN
aijes-6435	75	42	for	for	ADP
aijes-6435	75	43	msmes	msme	NOUN
aijes-6435	75	44	in	in	ADP
aijes-6435	75	45	azerbaijan	azerbaijan	PROPN
aijes-6435	75	46	6	6	NUM
aijes-6435	75	47	an	an	DET
aijes-6435	75	48	important	important	ADJ
aijes-6435	75	49	role	role	NOUN
aijes-6435	75	50	for	for	ADP
aijes-6435	75	51	msmes	msme	NOUN
aijes-6435	75	52	in	in	ADP
aijes-6435	75	53	getting	get	VERB
aijes-6435	75	54	access	access	NOUN
aijes-6435	75	55	to	to	ADP
aijes-6435	75	56	financial	financial	ADJ
aijes-6435	75	57	resources	resource	NOUN
aijes-6435	75	58	is	be	AUX
aijes-6435	75	59	asset	asset	NOUN
aijes-6435	75	60	quality	quality	NOUN
aijes-6435	75	61	in	in	ADP
aijes-6435	75	62	the	the	DET
aijes-6435	75	63	banking	banking	NOUN
aijes-6435	75	64	system	system	NOUN
aijes-6435	75	65	,	,	PUNCT
aijes-6435	75	66	according	accord	VERB
aijes-6435	75	67	to	to	ADP
aijes-6435	75	68	armand	armand	PROPN
aijes-6435	75	69	,	,	PUNCT
aijes-6435	75	70	ndoye	ndoye	VERB
aijes-6435	75	71	and	and	CCONJ
aijes-6435	75	72	sydorenko	sydorenko	PROPN
aijes-6435	75	73	(	(	PUNCT
aijes-6435	75	74	2020	2020	NUM
aijes-6435	75	75	)	)	PUNCT
aijes-6435	75	76	.	.	PUNCT
aijes-6435	76	1	asset	asset	NOUN
aijes-6435	76	2	quality	quality	NOUN
aijes-6435	76	3	can	can	AUX
aijes-6435	76	4	be	be	AUX
aijes-6435	76	5	measured	measure	VERB
aijes-6435	76	6	by	by	ADP
aijes-6435	76	7	portfolio	portfolio	NOUN
aijes-6435	76	8	of	of	ADP
aijes-6435	76	9	non	non	ADJ
aijes-6435	76	10	-	-	ADJ
aijes-6435	76	11	performing	performing	ADJ
aijes-6435	76	12	loans	loan	NOUN
aijes-6435	76	13	(	(	PUNCT
aijes-6435	76	14	npl	npl	NOUN
aijes-6435	76	15	)	)	PUNCT
aijes-6435	76	16	of	of	ADP
aijes-6435	76	17	the	the	DET
aijes-6435	76	18	banking	banking	NOUN
aijes-6435	76	19	sector	sector	NOUN
aijes-6435	76	20	.	.	PUNCT
aijes-6435	77	1	the	the	DET
aijes-6435	77	2	ratio	ratio	NOUN
aijes-6435	77	3	of	of	ADP
aijes-6435	77	4	defaulting	default	VERB
aijes-6435	77	5	loans	loan	NOUN
aijes-6435	77	6	in	in	ADP
aijes-6435	77	7	azerbaijan	azerbaijan	PROPN
aijes-6435	77	8	followed	follow	VERB
aijes-6435	77	9	a	a	DET
aijes-6435	77	10	sharp	sharp	ADJ
aijes-6435	77	11	decline	decline	NOUN
aijes-6435	77	12	within	within	ADP
aijes-6435	77	13	consecutive	consecutive	ADJ
aijes-6435	77	14	years	year	NOUN
aijes-6435	77	15	and	and	CCONJ
aijes-6435	77	16	reached	reach	VERB
aijes-6435	77	17	3.8	3.8	NUM
aijes-6435	77	18	percent	percent	NOUN
aijes-6435	77	19	in	in	ADP
aijes-6435	77	20	2022	2022	NUM
aijes-6435	77	21	(	(	PUNCT
aijes-6435	77	22	central	central	ADJ
aijes-6435	77	23	bank	bank	NOUN
aijes-6435	77	24	of	of	ADP
aijes-6435	77	25	the	the	DET
aijes-6435	77	26	republic	republic	NOUN
aijes-6435	77	27	of	of	ADP
aijes-6435	77	28	azerbaijan	azerbaijan	PROPN
aijes-6435	77	29	,	,	PUNCT
aijes-6435	77	30	2022	2022	NUM
aijes-6435	77	31	)	)	PUNCT
aijes-6435	77	32	.	.	PUNCT
aijes-6435	78	1	to	to	PART
aijes-6435	78	2	normalize	normalize	VERB
aijes-6435	78	3	figures	figure	NOUN
aijes-6435	78	4	for	for	ADP
aijes-6435	78	5	the	the	DET
aijes-6435	78	6	variables	variable	NOUN
aijes-6435	78	7	we	we	PRON
aijes-6435	78	8	use	use	VERB
aijes-6435	78	9	logarithmic	logarithmic	ADJ
aijes-6435	78	10	functional	functional	ADJ
aijes-6435	78	11	forms	form	NOUN
aijes-6435	78	12	.	.	PUNCT
aijes-6435	79	1	two	two	NUM
aijes-6435	79	2	explanatory	explanatory	ADJ
aijes-6435	79	3	variables	variable	NOUN
aijes-6435	79	4	with	with	ADP
aijes-6435	79	5	intercept	intercept	NOUN
aijes-6435	79	6	are	be	AUX
aijes-6435	79	7	included	include	VERB
aijes-6435	79	8	in	in	ADP
aijes-6435	79	9	the	the	DET
aijes-6435	79	10	regression	regression	NOUN
aijes-6435	79	11	.	.	PUNCT
aijes-6435	80	1	the	the	DET
aijes-6435	80	2	tendency	tendency	NOUN
aijes-6435	80	3	to	to	PART
aijes-6435	80	4	turn	turn	VERB
aijes-6435	80	5	to	to	ADP
aijes-6435	80	6	digital	digital	ADJ
aijes-6435	80	7	channels	channel	NOUN
aijes-6435	80	8	expanded	expand	VERB
aijes-6435	80	9	intensively	intensively	ADV
aijes-6435	80	10	after	after	SCONJ
aijes-6435	80	11	the	the	DET
aijes-6435	80	12	covid-19	covid-19	PROPN
aijes-6435	80	13	pandemic	pandemic	NOUN
aijes-6435	80	14	when	when	SCONJ
aijes-6435	80	15	due	due	ADJ
aijes-6435	80	16	to	to	ADP
aijes-6435	80	17	circumstances	circumstance	NOUN
aijes-6435	80	18	many	many	ADJ
aijes-6435	80	19	operations	operation	NOUN
aijes-6435	80	20	were	be	AUX
aijes-6435	80	21	held	hold	VERB
aijes-6435	80	22	online	online	ADV
aijes-6435	80	23	.	.	PUNCT
aijes-6435	81	1	due	due	ADP
aijes-6435	81	2	to	to	ADP
aijes-6435	81	3	the	the	DET
aijes-6435	81	4	novelty	novelty	NOUN
aijes-6435	81	5	of	of	ADP
aijes-6435	81	6	this	this	DET
aijes-6435	81	7	trend	trend	NOUN
aijes-6435	81	8	in	in	ADP
aijes-6435	81	9	the	the	DET
aijes-6435	81	10	country	country	NOUN
aijes-6435	81	11	and	and	CCONJ
aijes-6435	81	12	the	the	DET
aijes-6435	81	13	relative	relative	ADJ
aijes-6435	81	14	scarcity	scarcity	NOUN
aijes-6435	81	15	of	of	ADP
aijes-6435	81	16	available	available	ADJ
aijes-6435	81	17	data	datum	NOUN
aijes-6435	81	18	,	,	PUNCT
aijes-6435	81	19	the	the	DET
aijes-6435	81	20	time	time	NOUN
aijes-6435	81	21	span	span	NOUN
aijes-6435	81	22	for	for	ADP
aijes-6435	81	23	analysis	analysis	NOUN
aijes-6435	81	24	is	be	AUX
aijes-6435	81	25	short	short	ADJ
aijes-6435	81	26	.	.	PUNCT
aijes-6435	82	1	the	the	DET
aijes-6435	82	2	preliminary	preliminary	ADJ
aijes-6435	82	3	check	check	NOUN
aijes-6435	82	4	of	of	ADP
aijes-6435	82	5	the	the	DET
aijes-6435	82	6	time	time	NOUN
aijes-6435	82	7	series	series	PROPN
aijes-6435	82	8	indicates	indicate	VERB
aijes-6435	82	9	the	the	DET
aijes-6435	82	10	existence	existence	NOUN
aijes-6435	82	11	of	of	ADP
aijes-6435	82	12	an	an	DET
aijes-6435	82	13	upward	upward	ADJ
aijes-6435	82	14	trend	trend	NOUN
aijes-6435	82	15	from	from	ADP
aijes-6435	82	16	2018	2018	NUM
aijes-6435	82	17	to	to	ADP
aijes-6435	82	18	2022	2022	NUM
aijes-6435	82	19	for	for	ADP
aijes-6435	82	20	e	e	NOUN
aijes-6435	82	21	-	-	NOUN
aijes-6435	82	22	commerce	commerce	NOUN
aijes-6435	82	23	transactions	transaction	NOUN
aijes-6435	82	24	and	and	CCONJ
aijes-6435	82	25	loans	loan	NOUN
aijes-6435	82	26	provided	provide	VERB
aijes-6435	82	27	to	to	ADP
aijes-6435	82	28	msmes	msme	NOUN
aijes-6435	82	29	,	,	PUNCT
aijes-6435	82	30	whereas	whereas	SCONJ
aijes-6435	82	31	for	for	ADP
aijes-6435	82	32	the	the	DET
aijes-6435	82	33	portfolio	portfolio	NOUN
aijes-6435	82	34	of	of	ADP
aijes-6435	82	35	non	non	ADJ
aijes-6435	82	36	-	-	ADJ
aijes-6435	82	37	performing	performing	ADJ
aijes-6435	82	38	loans	loan	NOUN
aijes-6435	82	39	the	the	DET
aijes-6435	82	40	opposite	opposite	ADJ
aijes-6435	82	41	downward	downward	ADJ
aijes-6435	82	42	trend	trend	NOUN
aijes-6435	82	43	comes	come	VERB
aijes-6435	82	44	true	true	ADJ
aijes-6435	82	45	as	as	SCONJ
aijes-6435	82	46	it	it	PRON
aijes-6435	82	47	is	be	AUX
aijes-6435	82	48	shown	show	VERB
aijes-6435	82	49	in	in	ADP
aijes-6435	82	50	figure	figure	NOUN
aijes-6435	82	51	7	7	NUM
aijes-6435	82	52	.	.	PUNCT
aijes-6435	83	1	the	the	DET
aijes-6435	83	2	baseline	baseline	PROPN
aijes-6435	83	3	regression	regression	NOUN
aijes-6435	83	4	model	model	NOUN
aijes-6435	83	5	1	1	NUM
aijes-6435	83	6	is	be	AUX
aijes-6435	83	7	the	the	DET
aijes-6435	83	8	following	follow	VERB
aijes-6435	83	9	equation	equation	NOUN
aijes-6435	83	10	:	:	PUNCT
aijes-6435	83	11			PRON
aijes-6435	83	12	𝑳𝒏𝑳𝒐𝒂𝒏𝒕=	𝑳𝒏𝑳𝒐𝒂𝒏𝒕=	PROPN
aijes-6435	83	13	𝛼+	𝛼+	VERB
aijes-6435	83	14	𝛽𝟏𝑳𝒏𝒆𝒄𝒐𝒎𝒎𝒆𝒓𝒄𝒆𝒕+	𝛽𝟏𝑳𝒏𝒆𝒄𝒐𝒎𝒎𝒆𝒓𝒄𝒆𝒕+	PROPN
aijes-6435	83	15	𝛽𝟐𝑳𝒏𝑵𝑷𝑳𝒕+𝜀𝒕	𝛽𝟐𝑳𝒏𝑵𝑷𝑳𝒕+𝜀𝒕	NOUN
aijes-6435	83	16	(	(	PUNCT
aijes-6435	83	17	1	1	NUM
aijes-6435	83	18	)	)	PUNCT
aijes-6435	83	19	notation	notation	NOUN
aijes-6435	83	20	:	:	PUNCT
aijes-6435	83	21	●	●	PUNCT
aijes-6435	83	22	𝛼intercept	𝛼intercept	NOUN
aijes-6435	83	23	●	●	NUM
aijes-6435	83	24	𝛽1	𝛽1	NOUN
aijes-6435	83	25	slope	slope	NOUN
aijes-6435	83	26	coefficient	coefficient	NOUN
aijes-6435	83	27	on	on	ADP
aijes-6435	83	28	log	log	NOUN
aijes-6435	83	29	function	function	NOUN
aijes-6435	83	30	of	of	ADP
aijes-6435	83	31	e	e	PROPN
aijes-6435	83	32	-	-	NOUN
aijes-6435	83	33	commerce	commerce	NOUN
aijes-6435	83	34	transactions	transaction	NOUN
aijes-6435	83	35	held	hold	VERB
aijes-6435	83	36	within	within	ADP
aijes-6435	83	37	country	country	NOUN
aijes-6435	83	38	●	●	NUM
aijes-6435	83	39	𝛽2slope	𝛽2slope	NOUN
aijes-6435	83	40	coefficient	coefficient	NOUN
aijes-6435	83	41	on	on	ADP
aijes-6435	83	42	log	log	NOUN
aijes-6435	83	43	function	function	NOUN
aijes-6435	83	44	of	of	ADP
aijes-6435	83	45	non	non	ADJ
aijes-6435	83	46	-	-	ADJ
aijes-6435	83	47	performing	performing	ADJ
aijes-6435	83	48	loans	loan	NOUN
aijes-6435	83	49	portfolio	portfolio	NOUN
aijes-6435	83	50	figure	figure	NOUN
aijes-6435	83	51	7	7	NUM
aijes-6435	83	52	.	.	NOUN
aijes-6435	83	53	time	time	NOUN
aijes-6435	83	54	series	series	PROPN
aijes-6435	83	55	graphs	graph	NOUN
aijes-6435	83	56	of	of	ADP
aijes-6435	83	57	key	key	ADJ
aijes-6435	83	58	variables	variable	NOUN
aijes-6435	83	59	:	:	PUNCT
aijes-6435	83	60	lnecommerce	lnecommerce	NOUN
aijes-6435	83	61	,	,	PUNCT
aijes-6435	83	62	lnloan	lnloan	NOUN
aijes-6435	83	63	,	,	PUNCT
aijes-6435	83	64	lnnpl	lnnpl	PROPN
aijes-6435	83	65	respectively	respectively	ADV
aijes-6435	83	66	nazrin	nazrin	PROPN
aijes-6435	83	67	akhundzada	akhundzada	PROPN
aijes-6435	83	68	,	,	PUNCT
aijes-6435	83	69	inara	inara	VERB
aijes-6435	83	70	rzayeva	rzayeva	NOUN
aijes-6435	83	71	7	7	NUM
aijes-6435	83	72	(	(	PUNCT
aijes-6435	83	73	source	source	NOUN
aijes-6435	83	74	:	:	PUNCT
aijes-6435	83	75	authors	author	NOUN
aijes-6435	83	76	’	’	PART
aijes-6435	83	77	calculations	calculation	NOUN
aijes-6435	83	78	)	)	PUNCT
aijes-6435	83	79	results	result	VERB
aijes-6435	83	80	the	the	DET
aijes-6435	83	81	data	datum	NOUN
aijes-6435	83	82	set	set	VERB
aijes-6435	83	83	is	be	AUX
aijes-6435	83	84	obtained	obtain	VERB
aijes-6435	83	85	from	from	ADP
aijes-6435	83	86	central	central	ADJ
aijes-6435	83	87	bank	bank	PROPN
aijes-6435	83	88	of	of	ADP
aijes-6435	83	89	azerbaijan	azerbaijan	PROPN
aijes-6435	83	90	and	and	CCONJ
aijes-6435	83	91	captures	capture	NOUN
aijes-6435	83	92	years	year	NOUN
aijes-6435	83	93	from	from	ADP
aijes-6435	83	94	2018	2018	NUM
aijes-6435	83	95	to	to	ADP
aijes-6435	83	96	2022	2022	NUM
aijes-6435	83	97	.	.	PUNCT
aijes-6435	84	1	the	the	DET
aijes-6435	84	2	correlation	correlation	NOUN
aijes-6435	84	3	coefficient	coefficient	NOUN
aijes-6435	84	4	measures	measure	VERB
aijes-6435	84	5	the	the	DET
aijes-6435	84	6	linear	linear	PROPN
aijes-6435	84	7	association	association	NOUN
aijes-6435	84	8	between	between	ADP
aijes-6435	84	9	two	two	NUM
aijes-6435	84	10	variables	variable	NOUN
aijes-6435	84	11	.	.	PUNCT
aijes-6435	85	1	this	this	DET
aijes-6435	85	2	coefficient	coefficient	NOUN
aijes-6435	85	3	is	be	AUX
aijes-6435	85	4	computed	compute	VERB
aijes-6435	85	5	as	as	ADP
aijes-6435	85	6	the	the	DET
aijes-6435	85	7	square	square	ADJ
aijes-6435	85	8	root	root	NOUN
aijes-6435	85	9	of	of	ADP
aijes-6435	85	10	r	r	NOUN
aijes-6435	85	11	-	-	PUNCT
aijes-6435	85	12	squared	square	VERB
aijes-6435	85	13	obtained	obtain	VERB
aijes-6435	85	14	by	by	ADP
aijes-6435	85	15	regressing	regress	VERB
aijes-6435	85	16	one	one	NUM
aijes-6435	85	17	variable	variable	NOUN
aijes-6435	85	18	on	on	ADP
aijes-6435	85	19	the	the	DET
aijes-6435	85	20	other	other	ADJ
aijes-6435	85	21	.	.	PUNCT
aijes-6435	86	1	a	a	DET
aijes-6435	86	2	sign	sign	NOUN
aijes-6435	86	3	of	of	ADP
aijes-6435	86	4	coefficient	coefficient	NOUN
aijes-6435	86	5	shows	show	VERB
aijes-6435	86	6	whether	whether	SCONJ
aijes-6435	86	7	the	the	DET
aijes-6435	86	8	relationship	relationship	NOUN
aijes-6435	86	9	is	be	AUX
aijes-6435	86	10	positive	positive	ADJ
aijes-6435	86	11	or	or	CCONJ
aijes-6435	86	12	negative	negative	ADJ
aijes-6435	86	13	.	.	PUNCT
aijes-6435	87	1	the	the	DET
aijes-6435	87	2	correlation	correlation	NOUN
aijes-6435	87	3	matrix	matrix	NOUN
aijes-6435	87	4	in	in	ADP
aijes-6435	87	5	table	table	NOUN
aijes-6435	87	6	1	1	NUM
aijes-6435	87	7	illustrates	illustrate	VERB
aijes-6435	87	8	a	a	DET
aijes-6435	87	9	strong	strong	ADJ
aijes-6435	87	10	positive	positive	ADJ
aijes-6435	87	11	correlation	correlation	NOUN
aijes-6435	87	12	with	with	ADP
aijes-6435	87	13	a	a	DET
aijes-6435	87	14	correlation	correlation	NOUN
aijes-6435	87	15	coefficient	coefficient	NOUN
aijes-6435	87	16	0.95	0.95	NUM
aijes-6435	87	17	between	between	ADP
aijes-6435	87	18	credit	credit	NOUN
aijes-6435	87	19	funds	fund	NOUN
aijes-6435	87	20	allocated	allocate	VERB
aijes-6435	87	21	to	to	ADP
aijes-6435	87	22	msmes	msme	NOUN
aijes-6435	87	23	and	and	CCONJ
aijes-6435	87	24	e	e	NOUN
aijes-6435	87	25	-	-	NOUN
aijes-6435	87	26	commerce	commerce	NOUN
aijes-6435	87	27	transactions	transaction	NOUN
aijes-6435	87	28	conducted	conduct	VERB
aijes-6435	87	29	in	in	ADP
aijes-6435	87	30	the	the	DET
aijes-6435	87	31	country	country	NOUN
aijes-6435	87	32	.	.	PUNCT
aijes-6435	88	1	by	by	ADP
aijes-6435	88	2	contrast	contrast	NOUN
aijes-6435	88	3	,	,	PUNCT
aijes-6435	88	4	the	the	DET
aijes-6435	88	5	number	number	NOUN
aijes-6435	88	6	of	of	ADP
aijes-6435	88	7	non	non	ADJ
aijes-6435	88	8	-	-	ADJ
aijes-6435	88	9	performing	performing	ADJ
aijes-6435	88	10	loans	loan	NOUN
aijes-6435	88	11	demonstrates	demonstrate	VERB
aijes-6435	88	12	a	a	DET
aijes-6435	88	13	strong	strong	ADJ
aijes-6435	88	14	negative	negative	ADJ
aijes-6435	88	15	correlation	correlation	NOUN
aijes-6435	88	16	with	with	ADP
aijes-6435	88	17	the	the	DET
aijes-6435	88	18	amount	amount	NOUN
aijes-6435	88	19	of	of	ADP
aijes-6435	88	20	loans	loan	NOUN
aijes-6435	88	21	given	give	VERB
aijes-6435	88	22	to	to	ADP
aijes-6435	88	23	msmes	msme	NOUN
aijes-6435	88	24	.	.	PUNCT
aijes-6435	89	1	their	their	PRON
aijes-6435	89	2	coefficient	coefficient	NOUN
aijes-6435	89	3	of	of	ADP
aijes-6435	89	4	correlation	correlation	NOUN
aijes-6435	89	5	is	be	AUX
aijes-6435	89	6	-0.69	-0.69	NOUN
aijes-6435	89	7	.	.	PUNCT
aijes-6435	89	8	table	table	NOUN
aijes-6435	89	9	1	1	NUM
aijes-6435	89	10	:	:	PUNCT
aijes-6435	89	11	correlation	correlation	NOUN
aijes-6435	89	12	analysis	analysis	NOUN
aijes-6435	89	13	(	(	PUNCT
aijes-6435	89	14	source	source	NOUN
aijes-6435	89	15	:	:	PUNCT
aijes-6435	89	16	authors	author	NOUN
aijes-6435	89	17	’	’	PART
aijes-6435	89	18	calculations	calculation	NOUN
aijes-6435	89	19	)	)	PUNCT
aijes-6435	89	20	variable	variable	ADJ
aijes-6435	89	21	lnloan	lnloan	NOUN
aijes-6435	89	22	lnecommerce	lnecommerce	PROPN
aijes-6435	89	23	lnnpl	lnnpl	PROPN
aijes-6435	89	24	lnloan	lnloan	VERB
aijes-6435	89	25	1.0	1.0	NUM
aijes-6435	89	26	1.0	1.0	NUM
aijes-6435	89	27	lnecommerce	lnecommerce	NOUN
aijes-6435	89	28	0.95	0.95	NUM
aijes-6435	89	29	lnnpl	lnnpl	PROPN
aijes-6435	89	30	-0.69	-0.69	PROPN
aijes-6435	89	31	-0.85	-0.85	NOUN
aijes-6435	89	32	1.0	1.0	NUM
aijes-6435	89	33	the	the	DET
aijes-6435	89	34	implementation	implementation	NOUN
aijes-6435	89	35	of	of	ADP
aijes-6435	89	36	digital	digital	ADJ
aijes-6435	89	37	channels	channel	NOUN
aijes-6435	89	38	in	in	ADP
aijes-6435	89	39	business	business	NOUN
aijes-6435	89	40	processes	process	NOUN
aijes-6435	89	41	and	and	CCONJ
aijes-6435	89	42	access	access	NOUN
aijes-6435	89	43	to	to	ADP
aijes-6435	89	44	finance	finance	NOUN
aijes-6435	89	45	for	for	ADP
aijes-6435	89	46	msmes	msme	NOUN
aijes-6435	89	47	in	in	ADP
aijes-6435	89	48	azerbaijan	azerbaijan	PROPN
aijes-6435	89	49	8	8	NUM
aijes-6435	89	50	assuming	assume	VERB
aijes-6435	89	51	that	that	SCONJ
aijes-6435	89	52	classical	classical	ADJ
aijes-6435	89	53	linear	linear	PROPN
aijes-6435	89	54	regression	regression	NOUN
aijes-6435	89	55	model	model	NOUN
aijes-6435	89	56	assumptions	assumption	NOUN
aijes-6435	89	57	hold	hold	VERB
aijes-6435	89	58	,	,	PUNCT
aijes-6435	89	59	we	we	PRON
aijes-6435	89	60	regress	regress	VERB
aijes-6435	89	61	our	our	PRON
aijes-6435	89	62	dependent	dependent	ADJ
aijes-6435	89	63	variable	variable	ADJ
aijes-6435	89	64	log	log	NOUN
aijes-6435	89	65	function	function	NOUN
aijes-6435	89	66	of	of	ADP
aijes-6435	89	67	loans	loan	NOUN
aijes-6435	89	68	to	to	ADP
aijes-6435	89	69	msmes	msme	NOUN
aijes-6435	89	70	on	on	ADP
aijes-6435	89	71	two	two	NUM
aijes-6435	89	72	independent	independent	ADJ
aijes-6435	89	73	variables	variable	NOUN
aijes-6435	89	74	namely	namely	ADV
aijes-6435	89	75	log	log	VERB
aijes-6435	89	76	function	function	NOUN
aijes-6435	89	77	of	of	ADP
aijes-6435	89	78	ecommerce	ecommerce	NOUN
aijes-6435	89	79	transactions	transaction	NOUN
aijes-6435	89	80	and	and	CCONJ
aijes-6435	89	81	log	log	VERB
aijes-6435	89	82	function	function	NOUN
aijes-6435	89	83	of	of	ADP
aijes-6435	89	84	npl	npl	PROPN
aijes-6435	89	85	portfolio	portfolio	NOUN
aijes-6435	89	86	.	.	PUNCT
aijes-6435	90	1	regression	regression	NOUN
aijes-6435	90	2	output	output	NOUN
aijes-6435	90	3	(	(	PUNCT
aijes-6435	90	4	table	table	NOUN
aijes-6435	90	5	2	2	NUM
aijes-6435	90	6	)	)	PUNCT
aijes-6435	90	7	demonstrates	demonstrate	VERB
aijes-6435	90	8	coefficients	coefficient	NOUN
aijes-6435	90	9	of	of	ADP
aijes-6435	90	10	both	both	DET
aijes-6435	90	11	regressors	regressor	NOUN
aijes-6435	90	12	𝛽1	𝛽1	NOUN
aijes-6435	90	13	and	and	CCONJ
aijes-6435	90	14	𝛽2	𝛽2	PROPN
aijes-6435	90	15	.	.	PUNCT
aijes-6435	90	16	table	table	NOUN
aijes-6435	90	17	2	2	NUM
aijes-6435	90	18	:	:	PUNCT
aijes-6435	90	19	regression	regression	VERB
aijes-6435	90	20	results	result	NOUN
aijes-6435	90	21	for	for	ADP
aijes-6435	90	22	model	model	NOUN
aijes-6435	90	23	1	1	NUM
aijes-6435	90	24	(	(	PUNCT
aijes-6435	90	25	source	source	NOUN
aijes-6435	90	26	:	:	PUNCT
aijes-6435	90	27	authors	author	NOUN
aijes-6435	90	28	’	’	PART
aijes-6435	90	29	calculations	calculation	NOUN
aijes-6435	90	30	)	)	PUNCT
aijes-6435	90	31	variable	variable	ADJ
aijes-6435	90	32	coefficient	coefficient	NOUN
aijes-6435	90	33	p	p	NOUN
aijes-6435	90	34	-	-	PUNCT
aijes-6435	90	35	value	value	NOUN
aijes-6435	90	36	lnnpl	lnnpl	NOUN
aijes-6435	90	37	0.06	0.06	NUM
aijes-6435	90	38	0.24	0.24	NUM
aijes-6435	90	39	lnecommerce	lnecommerce	NOUN
aijes-6435	90	40	0.39	0.39	NUM
aijes-6435	90	41	0.03	0.03	NUM
aijes-6435	90	42	cons	con	NOUN
aijes-6435	90	43	.	.	PUNCT
aijes-6435	91	1	13.6	13.6	NUM
aijes-6435	91	2	0.02	0.02	NUM
aijes-6435	91	3	r	r	NOUN
aijes-6435	91	4	-	-	PUNCT
aijes-6435	91	5	squared	square	VERB
aijes-6435	91	6	which	which	PRON
aijes-6435	91	7	measures	measure	NOUN
aijes-6435	91	8	goodness	goodness	NOUN
aijes-6435	91	9	of	of	ADP
aijes-6435	91	10	fit	fit	NOUN
aijes-6435	91	11	is	be	AUX
aijes-6435	91	12	around	around	ADV
aijes-6435	91	13	96	96	NUM
aijes-6435	91	14	percent	percent	NOUN
aijes-6435	91	15	.	.	PUNCT
aijes-6435	92	1	according	accord	VERB
aijes-6435	92	2	to	to	ADP
aijes-6435	92	3	obtained	obtain	VERB
aijes-6435	92	4	estimates	estimate	NOUN
aijes-6435	92	5	,	,	PUNCT
aijes-6435	92	6	the	the	DET
aijes-6435	92	7	implementation	implementation	NOUN
aijes-6435	92	8	of	of	ADP
aijes-6435	92	9	e	e	NOUN
aijes-6435	92	10	-	-	NOUN
aijes-6435	92	11	commerce	commerce	NOUN
aijes-6435	92	12	practices	practice	NOUN
aijes-6435	92	13	within	within	ADP
aijes-6435	92	14	the	the	DET
aijes-6435	92	15	country	country	NOUN
aijes-6435	92	16	positively	positively	ADV
aijes-6435	92	17	affects	affect	VERB
aijes-6435	92	18	the	the	DET
aijes-6435	92	19	accessibility	accessibility	NOUN
aijes-6435	92	20	of	of	ADP
aijes-6435	92	21	credit	credit	NOUN
aijes-6435	92	22	funds	fund	NOUN
aijes-6435	92	23	for	for	ADP
aijes-6435	92	24	msmes	msme	NOUN
aijes-6435	92	25	.	.	PUNCT
aijes-6435	93	1	however	however	ADV
aijes-6435	93	2	,	,	PUNCT
aijes-6435	93	3	the	the	DET
aijes-6435	93	4	regression	regression	NOUN
aijes-6435	93	5	output	output	NOUN
aijes-6435	93	6	did	do	AUX
aijes-6435	93	7	not	not	PART
aijes-6435	93	8	illustrate	illustrate	VERB
aijes-6435	93	9	a	a	DET
aijes-6435	93	10	significant	significant	ADJ
aijes-6435	93	11	coefficient	coefficient	NOUN
aijes-6435	93	12	for	for	ADP
aijes-6435	93	13	asset	asset	NOUN
aijes-6435	93	14	quality	quality	NOUN
aijes-6435	93	15	.	.	PUNCT
aijes-6435	94	1	presumably	presumably	ADV
aijes-6435	94	2	,	,	PUNCT
aijes-6435	94	3	a	a	DET
aijes-6435	94	4	small	small	ADJ
aijes-6435	94	5	sample	sample	NOUN
aijes-6435	94	6	creates	create	VERB
aijes-6435	94	7	bias	bias	NOUN
aijes-6435	94	8	and	and	CCONJ
aijes-6435	94	9	inconsistency	inconsistency	NOUN
aijes-6435	94	10	.	.	PUNCT
aijes-6435	95	1	another	another	DET
aijes-6435	95	2	possible	possible	ADJ
aijes-6435	95	3	explanation	explanation	NOUN
aijes-6435	95	4	could	could	AUX
aijes-6435	95	5	be	be	AUX
aijes-6435	95	6	the	the	DET
aijes-6435	95	7	irrelevance	irrelevance	NOUN
aijes-6435	95	8	of	of	ADP
aijes-6435	95	9	npl	npl	PROPN
aijes-6435	95	10	portfolio	portfolio	NOUN
aijes-6435	95	11	as	as	ADP
aijes-6435	95	12	an	an	DET
aijes-6435	95	13	indicator	indicator	NOUN
aijes-6435	95	14	for	for	ADP
aijes-6435	95	15	analysis	analysis	NOUN
aijes-6435	95	16	as	as	SCONJ
aijes-6435	95	17	it	it	PRON
aijes-6435	95	18	captures	capture	VERB
aijes-6435	95	19	asset	asset	NOUN
aijes-6435	95	20	quality	quality	NOUN
aijes-6435	95	21	within	within	ADP
aijes-6435	95	22	all	all	DET
aijes-6435	95	23	the	the	DET
aijes-6435	95	24	types	type	NOUN
aijes-6435	95	25	of	of	ADP
aijes-6435	95	26	issued	issue	VERB
aijes-6435	95	27	loans	loan	NOUN
aijes-6435	95	28	not	not	PART
aijes-6435	95	29	only	only	ADV
aijes-6435	95	30	business	business	NOUN
aijes-6435	95	31	loans	loan	NOUN
aijes-6435	95	32	.	.	PUNCT
aijes-6435	96	1	the	the	DET
aijes-6435	96	2	only	only	ADJ
aijes-6435	96	3	reasonable	reasonable	ADJ
aijes-6435	96	4	concluding	concluding	NOUN
aijes-6435	96	5	remark	remark	NOUN
aijes-6435	96	6	from	from	ADP
aijes-6435	96	7	this	this	DET
aijes-6435	96	8	time	time	NOUN
aijes-6435	96	9	series	series	NOUN
aijes-6435	96	10	analysis	analysis	NOUN
aijes-6435	96	11	is	be	AUX
aijes-6435	96	12	that	that	SCONJ
aijes-6435	96	13	there	there	PRON
aijes-6435	96	14	is	be	VERB
aijes-6435	96	15	a	a	DET
aijes-6435	96	16	strong	strong	ADJ
aijes-6435	96	17	positive	positive	ADJ
aijes-6435	96	18	relationship	relationship	NOUN
aijes-6435	96	19	between	between	ADP
aijes-6435	96	20	the	the	DET
aijes-6435	96	21	financial	financial	ADJ
aijes-6435	96	22	inclusion	inclusion	NOUN
aijes-6435	96	23	of	of	ADP
aijes-6435	96	24	msmes	msme	NOUN
aijes-6435	96	25	and	and	CCONJ
aijes-6435	96	26	digitalization	digitalization	NOUN
aijes-6435	96	27	of	of	ADP
aijes-6435	96	28	business	business	NOUN
aijes-6435	96	29	in	in	ADP
aijes-6435	96	30	azerbaijan	azerbaijan	PROPN
aijes-6435	96	31	.	.	PUNCT
aijes-6435	97	1	it	it	PRON
aijes-6435	97	2	implies	imply	VERB
aijes-6435	97	3	that	that	SCONJ
aijes-6435	97	4	these	these	DET
aijes-6435	97	5	variables	variable	NOUN
aijes-6435	97	6	move	move	VERB
aijes-6435	97	7	in	in	ADP
aijes-6435	97	8	the	the	DET
aijes-6435	97	9	same	same	ADJ
aijes-6435	97	10	direction	direction	NOUN
aijes-6435	97	11	.	.	PUNCT
aijes-6435	98	1	to	to	PART
aijes-6435	98	2	eliminate	eliminate	VERB
aijes-6435	98	3	the	the	DET
aijes-6435	98	4	assumption	assumption	NOUN
aijes-6435	98	5	of	of	ADP
aijes-6435	98	6	heteroskedasticity	heteroskedasticity	NOUN
aijes-6435	98	7	,	,	PUNCT
aijes-6435	98	8	we	we	PRON
aijes-6435	98	9	apply	apply	VERB
aijes-6435	98	10	breusch	breusch	ADJ
aijes-6435	98	11	-	-	PUNCT
aijes-6435	98	12	pagan	pagan	ADJ
aijes-6435	98	13	test	test	NOUN
aijes-6435	98	14	for	for	ADP
aijes-6435	98	15	heteroskedasticity	heteroskedasticity	NOUN
aijes-6435	98	16	in	in	ADP
aijes-6435	98	17	table	table	NOUN
aijes-6435	98	18	3	3	NUM
aijes-6435	98	19	.	.	PUNCT
aijes-6435	99	1	as	as	SCONJ
aijes-6435	99	2	it	it	PRON
aijes-6435	99	3	is	be	AUX
aijes-6435	99	4	obvious	obvious	ADJ
aijes-6435	99	5	from	from	ADP
aijes-6435	99	6	p	p	NOUN
aijes-6435	99	7	-	-	PUNCT
aijes-6435	99	8	value	value	NOUN
aijes-6435	99	9	,	,	PUNCT
aijes-6435	99	10	we	we	PRON
aijes-6435	99	11	accept	accept	VERB
aijes-6435	99	12	the	the	DET
aijes-6435	99	13	null	null	ADJ
aijes-6435	99	14	hypothesis	hypothesis	NOUN
aijes-6435	99	15	of	of	ADP
aijes-6435	99	16	homoscedasticity	homoscedasticity	NOUN
aijes-6435	99	17	and	and	CCONJ
aijes-6435	99	18	there	there	PRON
aijes-6435	99	19	is	be	VERB
aijes-6435	99	20	no	no	DET
aijes-6435	99	21	need	need	NOUN
aijes-6435	99	22	to	to	PART
aijes-6435	99	23	use	use	VERB
aijes-6435	99	24	robust	robust	ADJ
aijes-6435	99	25	standard	standard	ADJ
aijes-6435	99	26	errors	error	NOUN
aijes-6435	99	27	.	.	PUNCT
aijes-6435	100	1	table	table	NOUN
aijes-6435	100	2	3	3	NUM
aijes-6435	100	3	:	:	PUNCT
aijes-6435	100	4	breuschpagan	breuschpagan	VERB
aijes-6435	100	5	test	test	NOUN
aijes-6435	100	6	for	for	ADP
aijes-6435	100	7	heteroskedasticity	heteroskedasticity	NOUN
aijes-6435	100	8	chi2(1	chi2(1	NOUN
aijes-6435	100	9	)	)	PUNCT
aijes-6435	100	10	0.02	0.02	NUM
aijes-6435	100	11	prob	prob	NOUN
aijes-6435	100	12	(	(	PUNCT
aijes-6435	100	13	chi2	chi2	PROPN
aijes-6435	100	14	)	)	PUNCT
aijes-6435	100	15	0.87	0.87	NUM
aijes-6435	100	16	conclusions	conclusion	NOUN
aijes-6435	100	17	this	this	DET
aijes-6435	100	18	article	article	NOUN
aijes-6435	100	19	discussed	discuss	VERB
aijes-6435	100	20	the	the	DET
aijes-6435	100	21	current	current	ADJ
aijes-6435	100	22	state	state	NOUN
aijes-6435	100	23	of	of	ADP
aijes-6435	100	24	msmes	msme	NOUN
aijes-6435	100	25	in	in	ADP
aijes-6435	100	26	the	the	DET
aijes-6435	100	27	framework	framework	NOUN
aijes-6435	100	28	of	of	ADP
aijes-6435	100	29	digitalization	digitalization	NOUN
aijes-6435	100	30	trends	trend	NOUN
aijes-6435	100	31	in	in	ADP
aijes-6435	100	32	azerbaijan	azerbaijan	PROPN
aijes-6435	100	33	.	.	PUNCT
aijes-6435	101	1	the	the	DET
aijes-6435	101	2	importance	importance	NOUN
aijes-6435	101	3	of	of	ADP
aijes-6435	101	4	the	the	DET
aijes-6435	101	5	digital	digital	ADJ
aijes-6435	101	6	technologies	technology	NOUN
aijes-6435	101	7	is	be	AUX
aijes-6435	101	8	highlighted	highlight	VERB
aijes-6435	101	9	to	to	PART
aijes-6435	101	10	achieve	achieve	VERB
aijes-6435	101	11	sustainable	sustainable	ADJ
aijes-6435	101	12	development	development	NOUN
aijes-6435	101	13	.	.	PUNCT
aijes-6435	102	1	access	access	NOUN
aijes-6435	102	2	to	to	ADP
aijes-6435	102	3	formal	formal	ADJ
aijes-6435	102	4	financial	financial	ADJ
aijes-6435	102	5	resources	resource	NOUN
aijes-6435	102	6	has	have	AUX
aijes-6435	102	7	been	be	AUX
aijes-6435	102	8	recognized	recognize	VERB
aijes-6435	102	9	as	as	ADP
aijes-6435	102	10	one	one	NUM
aijes-6435	102	11	of	of	ADP
aijes-6435	102	12	the	the	DET
aijes-6435	102	13	main	main	ADJ
aijes-6435	102	14	obstacles	obstacle	NOUN
aijes-6435	102	15	for	for	ADP
aijes-6435	102	16	msmes	msme	NOUN
aijes-6435	102	17	.	.	PUNCT
aijes-6435	103	1	considering	consider	VERB
aijes-6435	103	2	that	that	SCONJ
aijes-6435	103	3	nowadays	nowadays	ADV
aijes-6435	103	4	digitalization	digitalization	NOUN
aijes-6435	103	5	stands	stand	VERB
aijes-6435	103	6	as	as	ADP
aijes-6435	103	7	a	a	DET
aijes-6435	103	8	prominent	prominent	ADJ
aijes-6435	103	9	factor	factor	NOUN
aijes-6435	103	10	for	for	ADP
aijes-6435	103	11	the	the	DET
aijes-6435	103	12	development	development	NOUN
aijes-6435	103	13	of	of	ADP
aijes-6435	103	14	msmes	msme	NOUN
aijes-6435	103	15	,	,	PUNCT
aijes-6435	103	16	the	the	DET
aijes-6435	103	17	analysis	analysis	NOUN
aijes-6435	103	18	includes	include	VERB
aijes-6435	103	19	an	an	DET
aijes-6435	103	20	evaluation	evaluation	NOUN
aijes-6435	103	21	of	of	ADP
aijes-6435	103	22	the	the	DET
aijes-6435	103	23	digitalization	digitalization	NOUN
aijes-6435	103	24	process	process	NOUN
aijes-6435	103	25	and	and	CCONJ
aijes-6435	103	26	its	its	PRON
aijes-6435	103	27	implementation	implementation	NOUN
aijes-6435	103	28	into	into	ADP
aijes-6435	103	29	business	business	NOUN
aijes-6435	103	30	practices	practice	NOUN
aijes-6435	103	31	through	through	ADP
aijes-6435	103	32	conduction	conduction	NOUN
aijes-6435	103	33	of	of	ADP
aijes-6435	103	34	e	e	PROPN
aijes-6435	103	35	-	-	NOUN
aijes-6435	103	36	commerce	commerce	NOUN
aijes-6435	103	37	transactions	transaction	NOUN
aijes-6435	103	38	.	.	PUNCT
aijes-6435	104	1	this	this	DET
aijes-6435	104	2	hypothesis	hypothesis	NOUN
aijes-6435	104	3	was	be	AUX
aijes-6435	104	4	tested	test	VERB
aijes-6435	104	5	for	for	ADP
aijes-6435	104	6	azerbaijan	azerbaijan	PROPN
aijes-6435	104	7	as	as	SCONJ
aijes-6435	104	8	we	we	PRON
aijes-6435	104	9	have	have	AUX
aijes-6435	104	10	found	find	VERB
aijes-6435	104	11	positive	positive	ADJ
aijes-6435	104	12	dynamics	dynamic	NOUN
aijes-6435	104	13	in	in	ADP
aijes-6435	104	14	loans	loan	NOUN
aijes-6435	104	15	attributed	attribute	VERB
aijes-6435	104	16	to	to	ADP
aijes-6435	104	17	msmes	msme	NOUN
aijes-6435	104	18	as	as	ADV
aijes-6435	104	19	well	well	ADV
aijes-6435	104	20	as	as	ADP
aijes-6435	104	21	in	in	ADP
aijes-6435	104	22	the	the	DET
aijes-6435	104	23	usage	usage	NOUN
aijes-6435	104	24	of	of	ADP
aijes-6435	104	25	digital	digital	ADJ
aijes-6435	104	26	tools	tool	NOUN
aijes-6435	104	27	by	by	ADP
aijes-6435	104	28	business	business	NOUN
aijes-6435	104	29	owners	owner	NOUN
aijes-6435	104	30	within	within	ADP
aijes-6435	104	31	the	the	DET
aijes-6435	104	32	country	country	NOUN
aijes-6435	104	33	during	during	ADP
aijes-6435	104	34	recent	recent	ADJ
aijes-6435	104	35	years	year	NOUN
aijes-6435	104	36	.	.	PUNCT
aijes-6435	105	1	the	the	DET
aijes-6435	105	2	results	result	NOUN
aijes-6435	105	3	showed	show	VERB
aijes-6435	105	4	a	a	DET
aijes-6435	105	5	positive	positive	ADJ
aijes-6435	105	6	correlation	correlation	NOUN
aijes-6435	105	7	for	for	ADP
aijes-6435	105	8	both	both	DET
aijes-6435	105	9	indicators	indicator	NOUN
aijes-6435	105	10	and	and	CCONJ
aijes-6435	105	11	suggested	suggest	VERB
aijes-6435	105	12	a	a	DET
aijes-6435	105	13	positive	positive	ADJ
aijes-6435	105	14	impact	impact	NOUN
aijes-6435	105	15	on	on	ADP
aijes-6435	105	16	the	the	DET
aijes-6435	105	17	external	external	ADJ
aijes-6435	105	18	financing	financing	NOUN
aijes-6435	105	19	of	of	ADP
aijes-6435	105	20	msmes	msme	NOUN
aijes-6435	105	21	generated	generate	VERB
aijes-6435	105	22	by	by	ADP
aijes-6435	105	23	the	the	DET
aijes-6435	105	24	appliance	appliance	NOUN
aijes-6435	105	25	of	of	ADP
aijes-6435	105	26	digital	digital	ADJ
aijes-6435	105	27	mechanisms	mechanism	NOUN
aijes-6435	105	28	in	in	ADP
aijes-6435	105	29	business	business	NOUN
aijes-6435	105	30	processes	process	NOUN
aijes-6435	105	31	.	.	PUNCT
aijes-6435	106	1	however	however	ADV
aijes-6435	106	2	,	,	PUNCT
aijes-6435	106	3	due	due	ADP
aijes-6435	106	4	to	to	ADP
aijes-6435	106	5	the	the	DET
aijes-6435	106	6	scarcity	scarcity	NOUN
aijes-6435	106	7	of	of	ADP
aijes-6435	106	8	data	datum	NOUN
aijes-6435	106	9	,	,	PUNCT
aijes-6435	106	10	we	we	PRON
aijes-6435	106	11	could	could	AUX
aijes-6435	106	12	not	not	PART
aijes-6435	106	13	prove	prove	VERB
aijes-6435	106	14	the	the	DET
aijes-6435	106	15	existence	existence	NOUN
aijes-6435	106	16	of	of	ADP
aijes-6435	106	17	a	a	DET
aijes-6435	106	18	statistically	statistically	ADV
aijes-6435	106	19	significant	significant	ADJ
aijes-6435	106	20	relationship	relationship	NOUN
aijes-6435	106	21	between	between	ADP
aijes-6435	106	22	loans	loan	NOUN
aijes-6435	106	23	issued	issue	VERB
aijes-6435	106	24	for	for	ADP
aijes-6435	106	25	msmes	msme	NOUN
aijes-6435	106	26	and	and	CCONJ
aijes-6435	106	27	asset	asset	NOUN
aijes-6435	106	28	quality	quality	NOUN
aijes-6435	106	29	in	in	ADP
aijes-6435	106	30	the	the	DET
aijes-6435	106	31	banking	banking	NOUN
aijes-6435	106	32	sector	sector	NOUN
aijes-6435	106	33	as	as	SCONJ
aijes-6435	106	34	it	it	PRON
aijes-6435	106	35	was	be	AUX
aijes-6435	106	36	expected	expect	VERB
aijes-6435	106	37	.	.	PUNCT
aijes-6435	107	1	further	further	ADJ
aijes-6435	107	2	investigation	investigation	NOUN
aijes-6435	107	3	may	may	AUX
aijes-6435	107	4	involve	involve	VERB
aijes-6435	107	5	a	a	DET
aijes-6435	107	6	detailed	detailed	ADJ
aijes-6435	107	7	analysis	analysis	NOUN
aijes-6435	107	8	of	of	ADP
aijes-6435	107	9	all	all	DET
aijes-6435	107	10	possible	possible	ADJ
aijes-6435	107	11	determinants	determinant	NOUN
aijes-6435	107	12	of	of	ADP
aijes-6435	107	13	financial	financial	ADJ
aijes-6435	107	14	inclusion	inclusion	NOUN
aijes-6435	107	15	of	of	ADP
aijes-6435	107	16	small	small	ADJ
aijes-6435	107	17	and	and	CCONJ
aijes-6435	107	18	medium	medium	ADJ
aijes-6435	107	19	-	-	PUNCT
aijes-6435	107	20	sized	sized	ADJ
aijes-6435	107	21	enterprises	enterprise	NOUN
aijes-6435	107	22	including	include	VERB
aijes-6435	107	23	firm	firm	NOUN
aijes-6435	107	24	-	-	PUNCT
aijes-6435	107	25	specific	specific	ADJ
aijes-6435	107	26	,	,	PUNCT
aijes-6435	107	27	macroeconomic	macroeconomic	ADJ
aijes-6435	107	28	and	and	CCONJ
aijes-6435	107	29	institutional	institutional	ADJ
aijes-6435	107	30	factors	factor	NOUN
aijes-6435	107	31	.	.	PUNCT
aijes-6435	108	1	nazrin	nazrin	PROPN
aijes-6435	108	2	akhundzada	akhundzada	PROPN
aijes-6435	108	3	,	,	PUNCT
aijes-6435	108	4	inara	inara	VERB
aijes-6435	108	5	rzayeva	rzayeva	NOUN
aijes-6435	108	6	9	9	NUM
aijes-6435	108	7	references	reference	NOUN
aijes-6435	108	8	1	1	NUM
aijes-6435	108	9	.	.	PUNCT
aijes-6435	108	10	central	central	ADJ
aijes-6435	108	11	bank	bank	PROPN
aijes-6435	108	12	of	of	ADP
aijes-6435	108	13	the	the	DET
aijes-6435	108	14	republic	republic	NOUN
aijes-6435	108	15	of	of	ADP
aijes-6435	108	16	azerbaijan	azerbaijan	PROPN
aijes-6435	108	17	.	.	PUNCT
aijes-6435	109	1	(	(	PUNCT
aijes-6435	109	2	2023	2023	NUM
aijes-6435	109	3	)	)	PUNCT
aijes-6435	109	4	.	.	PUNCT
aijes-6435	110	1	digital	digital	ADJ
aijes-6435	110	2	payments	payment	NOUN
aijes-6435	110	3	strategy	strategy	NOUN
aijes-6435	110	4	of	of	ADP
aijes-6435	110	5	the	the	DET
aijes-6435	110	6	central	central	ADJ
aijes-6435	110	7	bank	bank	NOUN
aijes-6435	110	8	of	of	ADP
aijes-6435	110	9	the	the	DET
aijes-6435	110	10	republic	republic	NOUN
aijes-6435	110	11	of	of	ADP
aijes-6435	110	12	azerbaijan	azerbaijan	PROPN
aijes-6435	110	13	for	for	ADP
aijes-6435	110	14	2021	2021	NUM
aijes-6435	110	15	-	-	SYM
aijes-6435	110	16	2023	2023	NUM
aijes-6435	110	17	.	.	PUNCT
aijes-6435	111	1	2	2	X
aijes-6435	111	2	.	.	X
aijes-6435	111	3	central	central	ADJ
aijes-6435	111	4	bank	bank	PROPN
aijes-6435	111	5	of	of	ADP
aijes-6435	111	6	the	the	DET
aijes-6435	111	7	republic	republic	NOUN
aijes-6435	111	8	of	of	ADP
aijes-6435	111	9	azerbaijan	azerbaijan	PROPN
aijes-6435	111	10	.	.	PUNCT
aijes-6435	111	11	(	(	PUNCT
aijes-6435	111	12	2021	2021	NUM
aijes-6435	111	13	)	)	PUNCT
aijes-6435	111	14	.	.	PUNCT
aijes-6435	112	1	financial	financial	ADJ
aijes-6435	112	2	stability	stability	NOUN
aijes-6435	112	3	report	report	NOUN
aijes-6435	112	4	.	.	PUNCT
aijes-6435	113	1	3	3	X
aijes-6435	113	2	.	.	X
aijes-6435	113	3	central	central	ADJ
aijes-6435	113	4	bank	bank	PROPN
aijes-6435	113	5	of	of	ADP
aijes-6435	113	6	the	the	DET
aijes-6435	113	7	republic	republic	NOUN
aijes-6435	113	8	of	of	ADP
aijes-6435	113	9	azerbaijan	azerbaijan	PROPN
aijes-6435	113	10	.	.	PUNCT
aijes-6435	114	1	(	(	PUNCT
aijes-6435	114	2	2022	2022	NUM
aijes-6435	114	3	)	)	PUNCT
aijes-6435	114	4	.	.	PUNCT
aijes-6435	115	1	financial	financial	ADJ
aijes-6435	115	2	stability	stability	NOUN
aijes-6435	115	3	report	report	NOUN
aijes-6435	115	4	.	.	PUNCT
aijes-6435	116	1	4	4	X
aijes-6435	116	2	.	.	X
aijes-6435	116	3	fouejieu	fouejieu	PROPN
aijes-6435	116	4	,	,	PUNCT
aijes-6435	116	5	a.	a.	NOUN
aijes-6435	116	6	,	,	PUNCT
aijes-6435	116	7	ndoye	ndoye	VERB
aijes-6435	116	8	,	,	PUNCT
aijes-6435	116	9	a.	a.	NOUN
aijes-6435	116	10	,	,	PUNCT
aijes-6435	116	11	&	&	CCONJ
aijes-6435	116	12	sydorenko	sydorenko	PROPN
aijes-6435	116	13	,	,	PUNCT
aijes-6435	116	14	t.	t.	PROPN
aijes-6435	116	15	(	(	PUNCT
aijes-6435	116	16	2020	2020	NUM
aijes-6435	116	17	)	)	PUNCT
aijes-6435	116	18	.	.	PUNCT
aijes-6435	117	1	unlocking	unlock	VERB
aijes-6435	117	2	access	access	NOUN
aijes-6435	117	3	to	to	ADP
aijes-6435	117	4	finance	finance	NOUN
aijes-6435	117	5	for	for	ADP
aijes-6435	117	6	smes	sme	NOUN
aijes-6435	117	7	:	:	PUNCT
aijes-6435	117	8	a	a	DET
aijes-6435	117	9	cross	cross	ADJ
aijes-6435	117	10	-	-	ADJ
aijes-6435	117	11	country	country	ADJ
aijes-6435	117	12	analysis	analysis	NOUN
aijes-6435	117	13	.	.	PUNCT
aijes-6435	118	1	5	5	X
aijes-6435	118	2	.	.	X
aijes-6435	119	1	oecd	oecd	PROPN
aijes-6435	119	2	.	.	PUNCT
aijes-6435	120	1	(	(	PUNCT
aijes-6435	120	2	2019	2019	NUM
aijes-6435	120	3	)	)	PUNCT
aijes-6435	120	4	.	.	PUNCT
aijes-6435	121	1	azerbaijan	azerbaijan	PROPN
aijes-6435	121	2	:	:	PUNCT
aijes-6435	121	3	driving	drive	VERB
aijes-6435	121	4	diversification	diversification	NOUN
aijes-6435	121	5	through	through	ADP
aijes-6435	121	6	strengthened	strengthen	VERB
aijes-6435	121	7	entrepreneurship	entrepreneurship	NOUN
aijes-6435	121	8	.	.	PUNCT
aijes-6435	122	1	oecd	oecd	PROPN
aijes-6435	122	2	publishing	publishing	PROPN
aijes-6435	122	3	,	,	PUNCT
aijes-6435	122	4	paris	paris	PROPN
aijes-6435	122	5	.	.	PUNCT
aijes-6435	123	1	6	6	NUM
aijes-6435	123	2	.	.	X
aijes-6435	124	1	oecd	oecd	PROPN
aijes-6435	124	2	.	.	PUNCT
aijes-6435	125	1	(	(	PUNCT
aijes-6435	125	2	2022	2022	NUM
aijes-6435	125	3	)	)	PUNCT
aijes-6435	125	4	.	.	PUNCT
aijes-6435	126	1	promoting	promote	VERB
aijes-6435	126	2	enterprise	enterprise	NOUN
aijes-6435	126	3	digitalisation	digitalisation	NOUN
aijes-6435	126	4	in	in	ADP
aijes-6435	126	5	azerbaijan	azerbaijan	PROPN
aijes-6435	126	6	.	.	PUNCT
aijes-6435	127	1	oecd	oecd	PROPN
aijes-6435	127	2	publishing	publishing	PROPN
aijes-6435	127	3	,	,	PUNCT
aijes-6435	127	4	paris	paris	PROPN
aijes-6435	127	5	.	.	PUNCT
aijes-6435	128	1	7	7	X
aijes-6435	128	2	.	.	X
aijes-6435	128	3	strategic	strategic	ADJ
aijes-6435	128	4	roadmap	roadmap	NOUN
aijes-6435	128	5	for	for	ADP
aijes-6435	128	6	the	the	DET
aijes-6435	128	7	production	production	NOUN
aijes-6435	128	8	of	of	ADP
aijes-6435	128	9	consumer	consumer	NOUN
aijes-6435	128	10	goods	good	NOUN
aijes-6435	128	11	in	in	ADP
aijes-6435	128	12	azerbaijan	azerbaijan	PROPN
aijes-6435	128	13	at	at	ADP
aijes-6435	128	14	the	the	DET
aijes-6435	128	15	level	level	NOUN
aijes-6435	128	16	of	of	ADP
aijes-6435	128	17	small	small	ADJ
aijes-6435	128	18	and	and	CCONJ
aijes-6435	128	19	medium	medium	ADJ
aijes-6435	128	20	entrepreneurship	entrepreneurship	NOUN
aijes-6435	128	21	.	.	PUNCT
aijes-6435	129	1	monitoring.az	monitoring.az	X
aijes-6435	129	2	.	.	PROPN
aijes-6435	129	3	8	8	NUM
aijes-6435	129	4	.	.	PUNCT
aijes-6435	130	1	the	the	DET
aijes-6435	130	2	state	state	NOUN
aijes-6435	130	3	statistical	statistical	ADJ
aijes-6435	130	4	committee	committee	NOUN
aijes-6435	130	5	of	of	ADP
aijes-6435	130	6	the	the	DET
aijes-6435	130	7	republic	republic	NOUN
aijes-6435	130	8	of	of	ADP
aijes-6435	130	9	azerbaijan	azerbaijan	PROPN
aijes-6435	130	10	.	.	PUNCT
aijes-6435	130	11	(	(	PUNCT
aijes-6435	130	12	2002	2002	NUM
aijes-6435	130	13	)	)	PUNCT
aijes-6435	130	14	.	.	PUNCT
aijes-6435	131	1	micro	micro	PROPN
aijes-6435	131	2	,	,	PUNCT
aijes-6435	131	3	small	small	ADJ
aijes-6435	131	4	and	and	CCONJ
aijes-6435	131	5	medium	medium	ADJ
aijes-6435	131	6	entrepreneurship	entrepreneurship	NOUN
aijes-6435	131	7	in	in	ADP
aijes-6435	131	8	azerbaijan	azerbaijan	PROPN
aijes-6435	131	9	.	.	PUNCT
aijes-6435	132	1	statistical	statistical	ADJ
aijes-6435	132	2	yearbook	yearbook	NOUN
aijes-6435	132	3	.	.	PUNCT
aijes-6435	133	1	9	9	X
aijes-6435	133	2	.	.	X
aijes-6435	133	3	wirdiyanti	wirdiyanti	PROPN
aijes-6435	133	4	,	,	PUNCT
aijes-6435	133	5	r.	r.	PROPN
aijes-6435	133	6	,	,	PUNCT
aijes-6435	133	7	et	et	PROPN
aijes-6435	133	8	al	al	PROPN
aijes-6435	133	9	.	.	PROPN
aijes-6435	133	10	(	(	PUNCT
aijes-6435	133	11	2022	2022	NUM
aijes-6435	133	12	)	)	PUNCT
aijes-6435	133	13	.	.	PUNCT
aijes-6435	134	1	how	how	SCONJ
aijes-6435	134	2	does	do	AUX
aijes-6435	134	3	e	e	NOUN
aijes-6435	134	4	-	-	NOUN
aijes-6435	134	5	commerce	commerce	NOUN
aijes-6435	134	6	adoption	adoption	PROPN
aijes-6435	134	7	impact	impact	PROPN
aijes-6435	134	8	micro	micro	PROPN
aijes-6435	134	9	,	,	PUNCT
aijes-6435	134	10	small	small	ADJ
aijes-6435	134	11	,	,	PUNCT
aijes-6435	134	12	and	and	CCONJ
aijes-6435	134	13	medium	medium	ADJ
aijes-6435	134	14	enterprises	enterprise	NOUN
aijes-6435	134	15	'	'	PART
aijes-6435	134	16	performance	performance	NOUN
aijes-6435	134	17	and	and	CCONJ
aijes-6435	134	18	financial	financial	ADJ
aijes-6435	134	19	inclusion	inclusion	NOUN
aijes-6435	134	20	?	?	PUNCT
aijes-6435	135	1	evidence	evidence	NOUN
aijes-6435	135	2	from	from	ADP
aijes-6435	135	3	indonesia	indonesia	PROPN
aijes-6435	135	4	.	.	PUNCT
aijes-6435	136	1	10	10	NUM
aijes-6435	136	2	.	.	PUNCT
aijes-6435	136	3	world	world	PROPN
aijes-6435	136	4	bank	bank	PROPN
aijes-6435	136	5	.	.	PUNCT
aijes-6435	137	1	(	(	PUNCT
aijes-6435	137	2	2019	2019	NUM
aijes-6435	137	3	)	)	PUNCT
aijes-6435	137	4	.	.	PUNCT
aijes-6435	138	1	world	world	PROPN
aijes-6435	138	2	bank	bank	PROPN
aijes-6435	138	3	enterprise	enterprise	NOUN
aijes-6435	138	4	survey	survey	NOUN
aijes-6435	138	5	.	.	PUNCT
aijes-6435	139	1	11	11	NUM
aijes-6435	139	2	.	.	X
aijes-6435	139	3	world	world	PROPN
aijes-6435	139	4	bank	bank	PROPN
aijes-6435	139	5	.	.	PUNCT
aijes-6435	140	1	(	(	PUNCT
aijes-6435	140	2	2020	2020	NUM
aijes-6435	140	3	)	)	PUNCT
aijes-6435	140	4	.	.	PUNCT
aijes-6435	141	1	doing	do	VERB
aijes-6435	141	2	business	business	NOUN
aijes-6435	141	3	2020	2020	NUM
aijes-6435	141	4	.	.	PUNCT