id	sid	tid	token	lemma	pos
amfbr-128	1	1	contents	content	NOUN
amfbr-128	1	2	american	american	PROPN
amfbr-128	1	3	finance	finance	PROPN
amfbr-128	1	4	&	&	CCONJ
amfbr-128	1	5	banking	banking	PROPN
amfbr-128	1	6	review	review	PROPN
amfbr-128	1	7	;	;	PUNCT
amfbr-128	1	8	vol	vol	NOUN
amfbr-128	1	9	.	.	NOUN
amfbr-128	2	1	2	2	NUM
amfbr-128	2	2	,	,	PUNCT
amfbr-128	2	3	no	no	INTJ
amfbr-128	2	4	.	.	NOUN
amfbr-128	2	5	1	1	NUM
amfbr-128	2	6	;	;	PUNCT
amfbr-128	2	7	2018	2018	NUM
amfbr-128	2	8	issn	issn	VERB
amfbr-128	2	9	2576	2576	NUM
amfbr-128	2	10	-	-	SYM
amfbr-128	2	11	1226	1226	NUM
amfbr-128	2	12	e	e	NOUN
amfbr-128	2	13	-	-	NOUN
amfbr-128	2	14	issn	issn	PROPN
amfbr-128	2	15	2576	2576	NUM
amfbr-128	2	16	-	-	SYM
amfbr-128	2	17	1234	1234	NUM
amfbr-128	2	18	published	publish	VERB
amfbr-128	2	19	by	by	ADP
amfbr-128	2	20	centre	centre	NOUN
amfbr-128	2	21	for	for	ADP
amfbr-128	2	22	research	research	NOUN
amfbr-128	2	23	on	on	ADP
amfbr-128	2	24	islamic	islamic	ADJ
amfbr-128	2	25	banking	banking	PROPN
amfbr-128	2	26	&	&	CCONJ
amfbr-128	2	27	finance	finance	PROPN
amfbr-128	2	28	and	and	CCONJ
amfbr-128	2	29	business	business	NOUN
amfbr-128	2	30	44	44	NUM
amfbr-128	2	31	effect	effect	NOUN
amfbr-128	2	32	of	of	ADP
amfbr-128	2	33	liquidity	liquidity	NOUN
amfbr-128	2	34	risk	risk	NOUN
amfbr-128	2	35	,	,	PUNCT
amfbr-128	2	36	premium	premium	NOUN
amfbr-128	2	37	growth	growth	NOUN
amfbr-128	2	38	on	on	ADP
amfbr-128	2	39	the	the	DET
amfbr-128	2	40	performance	performance	NOUN
amfbr-128	2	41	of	of	ADP
amfbr-128	2	42	quoted	quote	VERB
amfbr-128	2	43	insurance	insurance	NOUN
amfbr-128	2	44	firms	firm	NOUN
amfbr-128	2	45	in	in	ADP
amfbr-128	2	46	nigeria	nigeria	PROPN
amfbr-128	2	47	:	:	PUNCT
amfbr-128	2	48	a	a	DET
amfbr-128	2	49	panel	panel	NOUN
amfbr-128	2	50	data	data	VERB
amfbr-128	2	51	analysis	analysis	NOUN
amfbr-128	2	52	lasisi	lasisi	ADV
amfbr-128	2	53	isiaka	isiaka	X
amfbr-128	2	54	olalekan1	olalekan1	PROPN
amfbr-128	3	1	1department	1department	NUM
amfbr-128	3	2	of	of	ADP
amfbr-128	3	3	accounting	accounting	NOUN
amfbr-128	3	4	and	and	CCONJ
amfbr-128	3	5	management	management	NOUN
amfbr-128	3	6	,	,	PUNCT
amfbr-128	3	7	faculty	faculty	NOUN
amfbr-128	3	8	of	of	ADP
amfbr-128	3	9	arts	art	NOUN
amfbr-128	3	10	and	and	CCONJ
amfbr-128	3	11	social	social	ADJ
amfbr-128	3	12	sciences	science	NOUN
amfbr-128	3	13	,	,	PUNCT
amfbr-128	3	14	nigerian	nigerian	ADJ
amfbr-128	3	15	defence	defence	PROPN
amfbr-128	3	16	academy	academy	PROPN
amfbr-128	3	17	,	,	PUNCT
amfbr-128	3	18	kaduna	kaduna	PROPN
amfbr-128	3	19	,	,	PUNCT
amfbr-128	3	20	nigeria	nigeria	PROPN
amfbr-128	3	21	.	.	PUNCT
amfbr-128	4	1	correspondence	correspondence	NOUN
amfbr-128	4	2	:	:	PUNCT
amfbr-128	4	3	department	department	NOUN
amfbr-128	4	4	of	of	ADP
amfbr-128	4	5	accounting	accounting	NOUN
amfbr-128	4	6	and	and	CCONJ
amfbr-128	4	7	management	management	NOUN
amfbr-128	4	8	,	,	PUNCT
amfbr-128	4	9	faculty	faculty	NOUN
amfbr-128	4	10	of	of	ADP
amfbr-128	4	11	arts	art	NOUN
amfbr-128	4	12	and	and	CCONJ
amfbr-128	4	13	social	social	ADJ
amfbr-128	4	14	sciences	science	NOUN
amfbr-128	4	15	,	,	PUNCT
amfbr-128	4	16	nigerian	nigerian	ADJ
amfbr-128	4	17	defence	defence	PROPN
amfbr-128	4	18	academy	academy	PROPN
amfbr-128	4	19	,	,	PUNCT
amfbr-128	4	20	kaduna	kaduna	PROPN
amfbr-128	4	21	,	,	PUNCT
amfbr-128	4	22	nigeria	nigeria	PROPN
amfbr-128	4	23	.	.	PUNCT
amfbr-128	5	1	e	e	X
amfbr-128	5	2	-	-	NOUN
amfbr-128	5	3	mail	mail	NOUN
amfbr-128	5	4	:	:	PUNCT
amfbr-128	5	5	lasmanyk30@gmail.com	lasmanyk30@gmail.com	X
amfbr-128	5	6	,	,	PUNCT
amfbr-128	5	7	tel:+2348037322585	tel:+2348037322585	PROPN
amfbr-128	5	8	received	receive	VERB
amfbr-128	5	9	:	:	PUNCT
amfbr-128	5	10	january	january	PROPN
amfbr-128	5	11	20	20	NUM
amfbr-128	5	12	,	,	PUNCT
amfbr-128	5	13	2018	2018	NUM
amfbr-128	5	14	accepted	accept	VERB
amfbr-128	5	15	:	:	PUNCT
amfbr-128	5	16	january	january	PROPN
amfbr-128	5	17	25	25	NUM
amfbr-128	5	18	,	,	PUNCT
amfbr-128	5	19	2018	2018	NUM
amfbr-128	5	20	online	online	ADV
amfbr-128	5	21	published	publish	VERB
amfbr-128	5	22	:	:	PUNCT
amfbr-128	5	23	january	january	PROPN
amfbr-128	5	24	27	27	NUM
amfbr-128	5	25	,	,	PUNCT
amfbr-128	5	26	2018	2018	NUM
amfbr-128	5	27	abstract	abstract	ADV
amfbr-128	5	28	this	this	DET
amfbr-128	5	29	study	study	NOUN
amfbr-128	5	30	assesses	assess	VERB
amfbr-128	5	31	the	the	DET
amfbr-128	5	32	effect	effect	NOUN
amfbr-128	5	33	of	of	ADP
amfbr-128	5	34	liquidity	liquidity	NOUN
amfbr-128	5	35	risk	risk	NOUN
amfbr-128	5	36	on	on	ADP
amfbr-128	5	37	firm	firm	ADJ
amfbr-128	5	38	performance	performance	NOUN
amfbr-128	5	39	of	of	ADP
amfbr-128	5	40	listed	list	VERB
amfbr-128	5	41	insurance	insurance	NOUN
amfbr-128	5	42	companies	company	NOUN
amfbr-128	5	43	in	in	ADP
amfbr-128	5	44	nigeria	nigeria	PROPN
amfbr-128	5	45	for	for	ADP
amfbr-128	5	46	the	the	DET
amfbr-128	5	47	period	period	NOUN
amfbr-128	5	48	of	of	ADP
amfbr-128	5	49	2011	2011	NUM
amfbr-128	5	50	-	-	SYM
amfbr-128	5	51	2015	2015	NUM
amfbr-128	5	52	.	.	PUNCT
amfbr-128	6	1	the	the	DET
amfbr-128	6	2	listed	list	VERB
amfbr-128	6	3	insurance	insurance	NOUN
amfbr-128	6	4	firms	firm	NOUN
amfbr-128	6	5	are	be	AUX
amfbr-128	6	6	twenty	twenty	NUM
amfbr-128	6	7	five	five	NUM
amfbr-128	6	8	(	(	PUNCT
amfbr-128	6	9	25	25	NUM
amfbr-128	6	10	)	)	PUNCT
amfbr-128	6	11	in	in	ADP
amfbr-128	6	12	numbers	number	NOUN
amfbr-128	6	13	out	out	ADP
amfbr-128	6	14	of	of	ADP
amfbr-128	6	15	which	which	PRON
amfbr-128	6	16	a	a	DET
amfbr-128	6	17	sample	sample	NOUN
amfbr-128	6	18	of	of	ADP
amfbr-128	6	19	twelve	twelve	NUM
amfbr-128	6	20	(	(	PUNCT
amfbr-128	6	21	12	12	NUM
amfbr-128	6	22	)	)	PUNCT
amfbr-128	6	23	were	be	AUX
amfbr-128	6	24	used	use	VERB
amfbr-128	6	25	for	for	ADP
amfbr-128	6	26	the	the	DET
amfbr-128	6	27	study	study	NOUN
amfbr-128	6	28	.	.	PUNCT
amfbr-128	7	1	liquidity	liquidity	NOUN
amfbr-128	7	2	risk	risk	NOUN
amfbr-128	7	3	as	as	SCONJ
amfbr-128	7	4	the	the	DET
amfbr-128	7	5	independent	independent	ADJ
amfbr-128	7	6	variable	variable	NOUN
amfbr-128	7	7	was	be	AUX
amfbr-128	7	8	proxy	proxy	ADJ
amfbr-128	7	9	with	with	ADP
amfbr-128	7	10	leverage	leverage	NOUN
amfbr-128	7	11	,	,	PUNCT
amfbr-128	7	12	claim	claim	VERB
amfbr-128	7	13	loss	loss	NOUN
amfbr-128	7	14	ratio	ratio	NOUN
amfbr-128	7	15	and	and	CCONJ
amfbr-128	7	16	premium	premium	NOUN
amfbr-128	7	17	growth	growth	NOUN
amfbr-128	7	18	,	,	PUNCT
amfbr-128	7	19	while	while	SCONJ
amfbr-128	7	20	the	the	DET
amfbr-128	7	21	return	return	NOUN
amfbr-128	7	22	on	on	ADP
amfbr-128	7	23	asset	asset	NOUN
amfbr-128	7	24	was	be	AUX
amfbr-128	7	25	used	use	VERB
amfbr-128	7	26	to	to	PART
amfbr-128	7	27	proxy	proxy	VERB
amfbr-128	7	28	firm	firm	ADJ
amfbr-128	7	29	performance	performance	NOUN
amfbr-128	7	30	.	.	PUNCT
amfbr-128	8	1	the	the	DET
amfbr-128	8	2	study	study	NOUN
amfbr-128	8	3	adopts	adopt	VERB
amfbr-128	8	4	a	a	DET
amfbr-128	8	5	panel	panel	NOUN
amfbr-128	8	6	multiple	multiple	ADJ
amfbr-128	8	7	regression	regression	NOUN
amfbr-128	8	8	techniques	technique	NOUN
amfbr-128	8	9	and	and	CCONJ
amfbr-128	8	10	data	datum	NOUN
amfbr-128	8	11	were	be	AUX
amfbr-128	8	12	collected	collect	VERB
amfbr-128	8	13	from	from	ADP
amfbr-128	8	14	secondary	secondary	ADJ
amfbr-128	8	15	source	source	NOUN
amfbr-128	8	16	through	through	ADP
amfbr-128	8	17	the	the	DET
amfbr-128	8	18	annual	annual	ADJ
amfbr-128	8	19	reports	report	NOUN
amfbr-128	8	20	of	of	ADP
amfbr-128	8	21	the	the	DET
amfbr-128	8	22	firms	firm	NOUN
amfbr-128	8	23	after	after	ADP
amfbr-128	8	24	controlling	control	VERB
amfbr-128	8	25	for	for	ADP
amfbr-128	8	26	fixed	fix	VERB
amfbr-128	8	27	/	/	SYM
amfbr-128	8	28	random	random	ADJ
amfbr-128	8	29	effects.the	effects.the	DET
amfbr-128	8	30	findings	finding	NOUN
amfbr-128	8	31	of	of	ADP
amfbr-128	8	32	random	random	ADJ
amfbr-128	8	33	effect	effect	NOUN
amfbr-128	8	34	reveal	reveal	VERB
amfbr-128	8	35	that	that	SCONJ
amfbr-128	8	36	leverage	leverage	NOUN
amfbr-128	8	37	has	have	VERB
amfbr-128	8	38	significant	significant	ADJ
amfbr-128	8	39	negative	negative	ADJ
amfbr-128	8	40	effect	effect	NOUN
amfbr-128	8	41	on	on	ADP
amfbr-128	8	42	return	return	NOUN
amfbr-128	8	43	on	on	ADP
amfbr-128	8	44	assets	asset	NOUN
amfbr-128	8	45	.	.	PUNCT
amfbr-128	9	1	the	the	DET
amfbr-128	9	2	claim	claim	NOUN
amfbr-128	9	3	loss	loss	NOUN
amfbr-128	9	4	ratio	ratio	NOUN
amfbr-128	9	5	has	have	VERB
amfbr-128	9	6	insignificant	insignificant	ADJ
amfbr-128	9	7	negative	negative	ADJ
amfbr-128	9	8	influence	influence	NOUN
amfbr-128	9	9	on	on	ADP
amfbr-128	9	10	return	return	NOUN
amfbr-128	9	11	on	on	ADP
amfbr-128	9	12	assets	asset	NOUN
amfbr-128	9	13	while	while	SCONJ
amfbr-128	9	14	premium	premium	ADJ
amfbr-128	9	15	growth	growth	NOUN
amfbr-128	9	16	has	have	VERB
amfbr-128	9	17	positive	positive	ADJ
amfbr-128	9	18	and	and	CCONJ
amfbr-128	9	19	insignificant	insignificant	ADJ
amfbr-128	9	20	effect	effect	NOUN
amfbr-128	9	21	on	on	ADP
amfbr-128	9	22	firm	firm	ADJ
amfbr-128	9	23	performance	performance	NOUN
amfbr-128	9	24	of	of	ADP
amfbr-128	9	25	listed	list	VERB
amfbr-128	9	26	insurance	insurance	NOUN
amfbr-128	9	27	companies	company	NOUN
amfbr-128	9	28	in	in	ADP
amfbr-128	9	29	nigeria	nigeria	PROPN
amfbr-128	9	30	.	.	PUNCT
amfbr-128	10	1	it	it	PRON
amfbr-128	10	2	is	be	AUX
amfbr-128	10	3	recommended	recommend	VERB
amfbr-128	10	4	among	among	ADP
amfbr-128	10	5	others	other	NOUN
amfbr-128	10	6	that	that	SCONJ
amfbr-128	10	7	the	the	DET
amfbr-128	10	8	managers	manager	NOUN
amfbr-128	10	9	,	,	PUNCT
amfbr-128	10	10	shareholders	shareholder	NOUN
amfbr-128	10	11	and	and	CCONJ
amfbr-128	10	12	other	other	ADJ
amfbr-128	10	13	stake	stake	NOUN
amfbr-128	10	14	holders	holder	NOUN
amfbr-128	10	15	to	to	PART
amfbr-128	10	16	checkmate	checkmate	VERB
amfbr-128	10	17	and	and	CCONJ
amfbr-128	10	18	control	control	VERB
amfbr-128	10	19	liquidity	liquidity	NOUN
amfbr-128	10	20	risk	risk	NOUN
amfbr-128	10	21	as	as	SCONJ
amfbr-128	10	22	it	it	PRON
amfbr-128	10	23	have	have	AUX
amfbr-128	10	24	been	be	AUX
amfbr-128	10	25	found	find	VERB
amfbr-128	10	26	empirically	empirically	ADV
amfbr-128	10	27	to	to	PART
amfbr-128	10	28	enhance	enhance	VERB
amfbr-128	10	29	the	the	DET
amfbr-128	10	30	quality	quality	NOUN
amfbr-128	10	31	of	of	ADP
amfbr-128	10	32	the	the	DET
amfbr-128	10	33	firm	firm	NOUN
amfbr-128	10	34	’s	’s	PART
amfbr-128	10	35	financial	financial	ADJ
amfbr-128	10	36	performance	performance	NOUN
amfbr-128	10	37	.	.	PUNCT
amfbr-128	11	1	keywords	keyword	NOUN
amfbr-128	11	2	:	:	PUNCT
amfbr-128	11	3	liquidity	liquidity	NOUN
amfbr-128	11	4	risk	risk	NOUN
amfbr-128	11	5	,	,	PUNCT
amfbr-128	11	6	claim	claim	VERB
amfbr-128	11	7	loss	loss	NOUN
amfbr-128	11	8	ratio	ratio	NOUN
amfbr-128	11	9	,	,	PUNCT
amfbr-128	11	10	premium	premium	NOUN
amfbr-128	11	11	growth	growth	NOUN
amfbr-128	11	12	,	,	PUNCT
amfbr-128	11	13	performance	performance	NOUN
amfbr-128	11	14	and	and	CCONJ
amfbr-128	11	15	insurance	insurance	NOUN
amfbr-128	11	16	companies	company	NOUN
amfbr-128	11	17	.	.	PUNCT
amfbr-128	12	1	1	1	X
amfbr-128	12	2	.	.	X
amfbr-128	12	3	introduction	introduction	NOUN
amfbr-128	12	4	insurance	insurance	NOUN
amfbr-128	12	5	industry	industry	NOUN
amfbr-128	12	6	plays	play	VERB
amfbr-128	12	7	a	a	DET
amfbr-128	12	8	major	major	ADJ
amfbr-128	12	9	role	role	NOUN
amfbr-128	12	10	in	in	ADP
amfbr-128	12	11	the	the	DET
amfbr-128	12	12	society	society	NOUN
amfbr-128	12	13	as	as	SCONJ
amfbr-128	12	14	the	the	DET
amfbr-128	12	15	operation	operation	NOUN
amfbr-128	12	16	of	of	ADP
amfbr-128	12	17	the	the	DET
amfbr-128	12	18	industry	industry	NOUN
amfbr-128	12	19	can	can	AUX
amfbr-128	12	20	set	set	VERB
amfbr-128	12	21	energy	energy	NOUN
amfbr-128	12	22	for	for	ADP
amfbr-128	12	23	other	other	ADJ
amfbr-128	12	24	industries	industry	NOUN
amfbr-128	12	25	and	and	CCONJ
amfbr-128	12	26	development	development	NOUN
amfbr-128	12	27	of	of	ADP
amfbr-128	12	28	an	an	DET
amfbr-128	12	29	economy	economy	NOUN
amfbr-128	12	30	(	(	PUNCT
amfbr-128	12	31	abate	abate	VERB
amfbr-128	12	32	,	,	PUNCT
amfbr-128	12	33	2012	2012	NUM
amfbr-128	12	34	)	)	PUNCT
amfbr-128	12	35	.	.	PUNCT
amfbr-128	13	1	the	the	DET
amfbr-128	13	2	insurance	insurance	NOUN
amfbr-128	13	3	market	market	NOUN
amfbr-128	13	4	plays	play	VERB
amfbr-128	13	5	an	an	DET
amfbr-128	13	6	important	important	ADJ
amfbr-128	13	7	role	role	NOUN
amfbr-128	13	8	in	in	ADP
amfbr-128	13	9	the	the	DET
amfbr-128	13	10	financial	financial	ADJ
amfbr-128	13	11	services	service	NOUN
amfbr-128	13	12	industry	industry	NOUN
amfbr-128	13	13	in	in	ADP
amfbr-128	13	14	almost	almost	ADV
amfbr-128	13	15	all	all	PRON
amfbr-128	13	16	developed	developed	ADJ
amfbr-128	13	17	and	and	CCONJ
amfbr-128	13	18	developing	develop	VERB
amfbr-128	13	19	countries	country	NOUN
amfbr-128	13	20	,	,	PUNCT
amfbr-128	13	21	contributing	contribute	VERB
amfbr-128	13	22	to	to	ADP
amfbr-128	13	23	economic	economic	ADJ
amfbr-128	13	24	growth	growth	NOUN
amfbr-128	13	25	,	,	PUNCT
amfbr-128	13	26	allocating	allocate	VERB
amfbr-128	13	27	efficient	efficient	ADJ
amfbr-128	13	28	resources	resource	NOUN
amfbr-128	13	29	,	,	PUNCT
amfbr-128	13	30	reducing	reduce	VERB
amfbr-128	13	31	transaction	transaction	NOUN
amfbr-128	13	32	costs	cost	NOUN
amfbr-128	13	33	,	,	PUNCT
amfbr-128	13	34	creating	create	VERB
amfbr-128	13	35	liquidity	liquidity	NOUN
amfbr-128	13	36	,	,	PUNCT
amfbr-128	13	37	promoting	promote	VERB
amfbr-128	13	38	investments	investment	NOUN
amfbr-128	13	39	and	and	CCONJ
amfbr-128	13	40	distribution	distribution	NOUN
amfbr-128	13	41	of	of	ADP
amfbr-128	13	42	financial	financial	ADJ
amfbr-128	13	43	losses	loss	NOUN
amfbr-128	13	44	(	(	PUNCT
amfbr-128	13	45	das	das	PROPN
amfbr-128	13	46	,	,	PUNCT
amfbr-128	13	47	davies	davy	NOUN
amfbr-128	13	48	,	,	PUNCT
amfbr-128	13	49	&	&	CCONJ
amfbr-128	13	50	podpiera	podpiera	PROPN
amfbr-128	13	51	,	,	PUNCT
amfbr-128	13	52	2003	2003	NUM
amfbr-128	13	53	)	)	PUNCT
amfbr-128	13	54	.	.	PUNCT
amfbr-128	14	1	insurance	insurance	NOUN
amfbr-128	14	2	companies	company	NOUN
amfbr-128	14	3	shares	share	VERB
amfbr-128	14	4	the	the	DET
amfbr-128	14	5	function	function	NOUN
amfbr-128	14	6	of	of	ADP
amfbr-128	14	7	banks	bank	NOUN
amfbr-128	14	8	and	and	CCONJ
amfbr-128	14	9	other	other	ADJ
amfbr-128	14	10	financial	financial	ADJ
amfbr-128	14	11	institutions	institution	NOUN
amfbr-128	14	12	beside	beside	ADV
amfbr-128	14	13	to	to	ADP
amfbr-128	14	14	the	the	DET
amfbr-128	14	15	role	role	NOUN
amfbr-128	14	16	of	of	ADP
amfbr-128	14	17	risk	risk	NOUN
amfbr-128	14	18	minimizing	minimize	VERB
amfbr-128	14	19	by	by	ADP
amfbr-128	14	20	pooling	pool	VERB
amfbr-128	14	21	similar	similar	ADJ
amfbr-128	14	22	risk	risk	NOUN
amfbr-128	14	23	exposures	exposure	NOUN
amfbr-128	14	24	(	(	PUNCT
amfbr-128	14	25	daare	daare	NOUN
amfbr-128	14	26	,	,	PUNCT
amfbr-128	14	27	2016	2016	NUM
amfbr-128	14	28	)	)	PUNCT
amfbr-128	14	29	.	.	PUNCT
amfbr-128	15	1	the	the	DET
amfbr-128	15	2	function	function	NOUN
amfbr-128	15	3	of	of	ADP
amfbr-128	15	4	insurance	insurance	NOUN
amfbr-128	15	5	companies	company	NOUN
amfbr-128	15	6	and	and	CCONJ
amfbr-128	15	7	other	other	ADJ
amfbr-128	15	8	financial	financial	ADJ
amfbr-128	15	9	institution	institution	NOUN
amfbr-128	15	10	is	be	AUX
amfbr-128	15	11	to	to	PART
amfbr-128	15	12	establish	establish	VERB
amfbr-128	15	13	effective	effective	ADJ
amfbr-128	15	14	and	and	CCONJ
amfbr-128	15	15	efficient	efficient	ADJ
amfbr-128	15	16	pecuniary	pecuniary	ADJ
amfbr-128	15	17	structure	structure	NOUN
amfbr-128	15	18	by	by	ADP
amfbr-128	15	19	risk	risk	NOUN
amfbr-128	15	20	transfer	transfer	NOUN
amfbr-128	15	21	,	,	PUNCT
amfbr-128	15	22	intermediation	intermediation	NOUN
amfbr-128	15	23	and	and	CCONJ
amfbr-128	15	24	savings	saving	NOUN
amfbr-128	15	25	mobilization	mobilization	NOUN
amfbr-128	15	26	in	in	ADP
amfbr-128	15	27	economy	economy	NOUN
amfbr-128	15	28	.	.	PUNCT
amfbr-128	16	1	consequently	consequently	ADV
amfbr-128	16	2	financial	financial	ADJ
amfbr-128	16	3	bodies	body	NOUN
amfbr-128	16	4	canal	canal	NOUN
amfbr-128	16	5	resources	resource	NOUN
amfbr-128	16	6	and	and	CCONJ
amfbr-128	16	7	transport	transport	NOUN
amfbr-128	16	8	risks	risk	NOUN
amfbr-128	16	9	from	from	ADP
amfbr-128	16	10	one	one	NUM
amfbr-128	16	11	monetary	monetary	ADJ
amfbr-128	16	12	element	element	NOUN
amfbr-128	16	13	to	to	ADP
amfbr-128	16	14	another	another	PRON
amfbr-128	16	15	to	to	PART
amfbr-128	16	16	assist	assist	VERB
amfbr-128	16	17	resources	resource	NOUN
amfbr-128	16	18	pact	pact	NOUN
amfbr-128	16	19	and	and	CCONJ
amfbr-128	16	20	trade	trade	NOUN
amfbr-128	16	21	(	(	PUNCT
amfbr-128	16	22	saeed	saeed	PROPN
amfbr-128	16	23	&	&	CCONJ
amfbr-128	16	24	khurram	khurram	PROPN
amfbr-128	16	25	,	,	PUNCT
amfbr-128	16	26	2015	2015	NUM
amfbr-128	16	27	)	)	PUNCT
amfbr-128	16	28	.	.	PUNCT
amfbr-128	17	1	one	one	NUM
amfbr-128	17	2	of	of	ADP
amfbr-128	17	3	the	the	DET
amfbr-128	17	4	most	most	ADV
amfbr-128	17	5	severe	severe	ADJ
amfbr-128	17	6	liquidity	liquidity	NOUN
amfbr-128	17	7	stress	stress	NOUN
amfbr-128	17	8	scenarios	scenario	NOUN
amfbr-128	17	9	faced	face	VERB
amfbr-128	17	10	by	by	ADP
amfbr-128	17	11	an	an	DET
amfbr-128	17	12	insurer	insurer	NOUN
amfbr-128	17	13	is	be	AUX
amfbr-128	17	14	a	a	DET
amfbr-128	17	15	mass	mass	ADJ
amfbr-128	17	16	surrender	surrender	NOUN
amfbr-128	17	17	of	of	ADP
amfbr-128	17	18	policies	policy	NOUN
amfbr-128	17	19	owing	owe	VERB
amfbr-128	17	20	to	to	ADP
amfbr-128	17	21	a	a	DET
amfbr-128	17	22	loss	loss	NOUN
amfbr-128	17	23	of	of	ADP
amfbr-128	17	24	confidence	confidence	NOUN
amfbr-128	17	25	in	in	ADP
amfbr-128	17	26	its	its	PRON
amfbr-128	17	27	financial	financial	ADJ
amfbr-128	17	28	strength	strength	NOUN
amfbr-128	17	29	.	.	PUNCT
amfbr-128	18	1	this	this	PRON
amfbr-128	18	2	happened	happen	VERB
amfbr-128	18	3	to	to	PART
amfbr-128	18	4	equitable	equitable	VERB
amfbr-128	18	5	life	life	NOUN
amfbr-128	18	6	following	follow	VERB
amfbr-128	18	7	the	the	DET
amfbr-128	18	8	house	house	NOUN
amfbr-128	18	9	of	of	ADP
amfbr-128	18	10	lords	lord	NOUN
amfbr-128	18	11	ruling	rule	VERB
amfbr-128	18	12	on	on	ADP
amfbr-128	18	13	its	its	PRON
amfbr-128	18	14	guaranteed	guarantee	VERB
amfbr-128	18	15	annuity	annuity	NOUN
amfbr-128	18	16	liabilities	liability	NOUN
amfbr-128	18	17	in	in	ADP
amfbr-128	18	18	2000	2000	NUM
amfbr-128	18	19	.	.	PUNCT
amfbr-128	19	1	risk	risk	NOUN
amfbr-128	19	2	is	be	AUX
amfbr-128	19	3	a	a	DET
amfbr-128	19	4	natural	natural	ADJ
amfbr-128	19	5	element	element	NOUN
amfbr-128	19	6	of	of	ADP
amfbr-128	19	7	business	business	NOUN
amfbr-128	19	8	and	and	CCONJ
amfbr-128	19	9	community	community	NOUN
amfbr-128	19	10	life	life	NOUN
amfbr-128	19	11	(	(	PUNCT
amfbr-128	19	12	kamau	kamau	PROPN
amfbr-128	19	13	,	,	PUNCT
amfbr-128	19	14	f	f	PROPN
amfbr-128	19	15	&	&	CCONJ
amfbr-128	19	16	njeru	njeru	PROPN
amfbr-128	19	17	,	,	PUNCT
amfbr-128	19	18	2016	2016	NUM
amfbr-128	19	19	)	)	PUNCT
amfbr-128	19	20	.	.	PUNCT
amfbr-128	20	1	it	it	PRON
amfbr-128	20	2	is	be	AUX
amfbr-128	20	3	a	a	DET
amfbr-128	20	4	condition	condition	NOUN
amfbr-128	20	5	that	that	PRON
amfbr-128	20	6	raises	raise	VERB
amfbr-128	20	7	the	the	DET
amfbr-128	20	8	chance	chance	NOUN
amfbr-128	20	9	of	of	ADP
amfbr-128	20	10	losses	loss	NOUN
amfbr-128	20	11	/	/	SYM
amfbr-128	20	12	gains	gain	NOUN
amfbr-128	20	13	and	and	CCONJ
amfbr-128	20	14	the	the	DET
amfbr-128	20	15	uncertain	uncertain	ADJ
amfbr-128	20	16	potential	potential	ADJ
amfbr-128	20	17	events	event	NOUN
amfbr-128	20	18	which	which	PRON
amfbr-128	20	19	could	could	AUX
amfbr-128	20	20	manipulate	manipulate	VERB
amfbr-128	20	21	the	the	DET
amfbr-128	20	22	success	success	NOUN
amfbr-128	20	23	of	of	ADP
amfbr-128	20	24	financial	financial	ADJ
amfbr-128	20	25	institutions	institution	NOUN
amfbr-128	20	26	(	(	PUNCT
amfbr-128	20	27	crowe	crowe	PROPN
amfbr-128	20	28	,	,	PUNCT
amfbr-128	20	29	2009	2009	NUM
amfbr-128	20	30	)	)	PUNCT
amfbr-128	20	31	.	.	PUNCT
amfbr-128	21	1	financial	financial	ADJ
amfbr-128	21	2	risk	risk	NOUN
amfbr-128	21	3	is	be	AUX
amfbr-128	21	4	the	the	DET
amfbr-128	21	5	unexpected	unexpected	ADJ
amfbr-128	21	6	variability	variability	NOUN
amfbr-128	21	7	or	or	CCONJ
amfbr-128	21	8	volatility	volatility	NOUN
amfbr-128	21	9	of	of	ADP
amfbr-128	21	10	returns	return	NOUN
amfbr-128	21	11	(	(	PUNCT
amfbr-128	21	12	holton	holton	PROPN
amfbr-128	21	13	,	,	PUNCT
amfbr-128	21	14	2004	2004	NUM
amfbr-128	21	15	)	)	PUNCT
amfbr-128	21	16	.	.	PUNCT
amfbr-128	22	1	it	it	PRON
amfbr-128	22	2	includes	include	VERB
amfbr-128	22	3	credit	credit	NOUN
amfbr-128	22	4	risk	risk	NOUN
amfbr-128	22	5	,	,	PUNCT
amfbr-128	22	6	liquidity	liquidity	NOUN
amfbr-128	22	7	risk	risk	NOUN
amfbr-128	22	8	and	and	CCONJ
amfbr-128	22	9	market	market	NOUN
amfbr-128	22	10	risks	risk	NOUN
amfbr-128	22	11	which	which	PRON
amfbr-128	22	12	contribute	contribute	VERB
amfbr-128	22	13	to	to	ADP
amfbr-128	22	14	the	the	DET
amfbr-128	22	15	volatility	volatility	NOUN
amfbr-128	22	16	of	of	ADP
amfbr-128	22	17	financial	financial	ADJ
amfbr-128	22	18	performance	performance	NOUN
amfbr-128	22	19	(	(	PUNCT
amfbr-128	22	20	tafri	tafri	NOUN
amfbr-128	22	21	et	et	PROPN
amfbr-128	22	22	al	al	PROPN
amfbr-128	22	23	.	.	PROPN
amfbr-128	22	24	,	,	PUNCT
amfbr-128	22	25	2009	2009	NUM
amfbr-128	22	26	&	&	CCONJ
amfbr-128	22	27	dimitropoulos	dimitropoulos	PROPN
amfbr-128	22	28	et	et	PROPN
amfbr-128	22	29	al	al	PROPN
amfbr-128	22	30	.	.	PROPN
amfbr-128	22	31	,	,	PUNCT
amfbr-128	22	32	2010	2010	NUM
amfbr-128	22	33	)	)	PUNCT
amfbr-128	22	34	.	.	PUNCT
amfbr-128	23	1	the	the	DET
amfbr-128	23	2	global	global	ADJ
amfbr-128	23	3	financial	financial	ADJ
amfbr-128	23	4	crisis	crisis	NOUN
amfbr-128	23	5	that	that	PRON
amfbr-128	23	6	began	begin	VERB
amfbr-128	23	7	in	in	ADP
amfbr-128	23	8	july	july	PROPN
amfbr-128	23	9	2007	2007	NUM
amfbr-128	23	10	has	have	AUX
amfbr-128	23	11	highlighted	highlight	VERB
amfbr-128	23	12	gaps	gap	NOUN
amfbr-128	23	13	in	in	ADP
amfbr-128	23	14	the	the	DET
amfbr-128	23	15	field	field	NOUN
amfbr-128	23	16	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-128	23	17	american	american	PROPN
amfbr-128	23	18	finance	finance	PROPN
amfbr-128	23	19	&	&	CCONJ
amfbr-128	23	20	banking	banking	PROPN
amfbr-128	23	21	review	review	PROPN
amfbr-128	23	22	vol	vol	NOUN
amfbr-128	23	23	.	.	PROPN
amfbr-128	24	1	2	2	NUM
amfbr-128	24	2	,	,	PUNCT
amfbr-128	24	3	no	no	INTJ
amfbr-128	24	4	.	.	NOUN
amfbr-128	24	5	1	1	NUM
amfbr-128	24	6	;	;	PUNCT
amfbr-128	24	7	2018	2018	NUM
amfbr-128	24	8	45	45	NUM
amfbr-128	24	9	of	of	ADP
amfbr-128	24	10	liquidity	liquidity	NOUN
amfbr-128	24	11	risk	risk	NOUN
amfbr-128	24	12	management(otieno	management(otieno	PROPN
amfbr-128	24	13	&	&	CCONJ
amfbr-128	24	14	nyagol	nyagol	NOUN
amfbr-128	24	15	,	,	PUNCT
amfbr-128	24	16	2016	2016	NUM
amfbr-128	24	17	)	)	PUNCT
amfbr-128	24	18	.	.	PUNCT
amfbr-128	25	1	financial	financial	ADJ
amfbr-128	25	2	institution	institution	NOUN
amfbr-128	25	3	have	have	AUX
amfbr-128	25	4	demonstrated	demonstrate	VERB
amfbr-128	25	5	the	the	DET
amfbr-128	25	6	lack	lack	NOUN
amfbr-128	25	7	of	of	ADP
amfbr-128	25	8	good	good	ADJ
amfbr-128	25	9	forecasting	forecasting	NOUN
amfbr-128	25	10	models	model	NOUN
amfbr-128	25	11	to	to	PART
amfbr-128	25	12	manage	manage	VERB
amfbr-128	25	13	liquidity	liquidity	NOUN
amfbr-128	25	14	risk	risk	NOUN
amfbr-128	25	15	,	,	PUNCT
amfbr-128	25	16	which	which	PRON
amfbr-128	25	17	has	have	AUX
amfbr-128	25	18	led	lead	VERB
amfbr-128	25	19	to	to	ADP
amfbr-128	25	20	a	a	DET
amfbr-128	25	21	liquidity	liquidity	NOUN
amfbr-128	25	22	spiral	spiral	NOUN
amfbr-128	25	23	and	and	CCONJ
amfbr-128	25	24	given	give	VERB
amfbr-128	25	25	rise	rise	NOUN
amfbr-128	25	26	to	to	ADP
amfbr-128	25	27	a	a	DET
amfbr-128	25	28	sudden	sudden	ADJ
amfbr-128	25	29	deterioration	deterioration	NOUN
amfbr-128	25	30	of	of	ADP
amfbr-128	25	31	financial	financial	ADJ
amfbr-128	25	32	institution	institution	NOUN
amfbr-128	25	33	balance	balance	NOUN
amfbr-128	25	34	sheets	sheet	NOUN
amfbr-128	25	35	with	with	ADP
amfbr-128	25	36	consequent	consequent	ADJ
amfbr-128	25	37	difficulties	difficulty	NOUN
amfbr-128	25	38	in	in	ADP
amfbr-128	25	39	finding	find	VERB
amfbr-128	25	40	new	new	ADJ
amfbr-128	25	41	sources	source	NOUN
amfbr-128	25	42	of	of	ADP
amfbr-128	25	43	liquidity	liquidity	NOUN
amfbr-128	25	44	on	on	ADP
amfbr-128	25	45	financial	financial	ADJ
amfbr-128	25	46	markets(cucinelli	markets(cucinelli	PROPN
amfbr-128	25	47	,	,	PUNCT
amfbr-128	25	48	2013	2013	NUM
amfbr-128	25	49	)	)	PUNCT
amfbr-128	25	50	.	.	PUNCT
amfbr-128	26	1	the	the	DET
amfbr-128	26	2	inability	inability	NOUN
amfbr-128	26	3	of	of	ADP
amfbr-128	26	4	insurance	insurance	NOUN
amfbr-128	26	5	firms	firm	NOUN
amfbr-128	26	6	to	to	PART
amfbr-128	26	7	raise	raise	VERB
amfbr-128	26	8	liquidity	liquidity	NOUN
amfbr-128	26	9	can	can	AUX
amfbr-128	26	10	be	be	AUX
amfbr-128	26	11	attributed	attribute	VERB
amfbr-128	26	12	to	to	ADP
amfbr-128	26	13	a	a	DET
amfbr-128	26	14	funding	funding	NOUN
amfbr-128	26	15	liquidity	liquidity	NOUN
amfbr-128	26	16	risk	risk	NOUN
amfbr-128	26	17	that	that	PRON
amfbr-128	26	18	is	be	AUX
amfbr-128	26	19	caused	cause	VERB
amfbr-128	26	20	either	either	CCONJ
amfbr-128	26	21	by	by	ADP
amfbr-128	26	22	the	the	DET
amfbr-128	26	23	maturity	maturity	NOUN
amfbr-128	26	24	mismatch	mismatch	NOUN
amfbr-128	26	25	between	between	ADP
amfbr-128	26	26	inflows	inflow	NOUN
amfbr-128	26	27	and	and	CCONJ
amfbr-128	26	28	outflows	outflow	NOUN
amfbr-128	26	29	and/or	and/or	CCONJ
amfbr-128	26	30	the	the	DET
amfbr-128	26	31	sudden	sudden	ADJ
amfbr-128	26	32	and	and	CCONJ
amfbr-128	26	33	unexpected	unexpected	ADJ
amfbr-128	26	34	liquidity	liquidity	NOUN
amfbr-128	26	35	needs	need	NOUN
amfbr-128	26	36	arising	arise	VERB
amfbr-128	26	37	from	from	ADP
amfbr-128	26	38	contingency	contingency	NOUN
amfbr-128	26	39	conditions	condition	NOUN
amfbr-128	26	40	(	(	PUNCT
amfbr-128	26	41	duttweiler	duttweiler	NOUN
amfbr-128	26	42	,	,	PUNCT
amfbr-128	26	43	2009	2009	NUM
amfbr-128	26	44	)	)	PUNCT
amfbr-128	26	45	.	.	PUNCT
amfbr-128	27	1	liquidity	liquidity	NOUN
amfbr-128	27	2	risk	risk	NOUN
amfbr-128	27	3	is	be	AUX
amfbr-128	27	4	a	a	DET
amfbr-128	27	5	risk	risk	NOUN
amfbr-128	27	6	of	of	ADP
amfbr-128	27	7	insufficient	insufficient	ADJ
amfbr-128	27	8	liquid	liquid	ADJ
amfbr-128	27	9	assets	asset	NOUN
amfbr-128	27	10	to	to	PART
amfbr-128	27	11	meet	meet	VERB
amfbr-128	27	12	payouts	payout	NOUN
amfbr-128	27	13	from	from	ADP
amfbr-128	27	14	policies	policy	NOUN
amfbr-128	27	15	(	(	PUNCT
amfbr-128	27	16	surrender	surrender	NOUN
amfbr-128	27	17	,	,	PUNCT
amfbr-128	27	18	expenses	expense	NOUN
amfbr-128	27	19	,	,	PUNCT
amfbr-128	27	20	maturities	maturity	NOUN
amfbr-128	27	21	,	,	PUNCT
amfbr-128	27	22	etc	etc	X
amfbr-128	27	23	.	.	X
amfbr-128	27	24	)	)	PUNCT
amfbr-128	27	25	,	,	PUNCT
amfbr-128	27	26	forcing	force	VERB
amfbr-128	27	27	the	the	DET
amfbr-128	27	28	sale	sale	NOUN
amfbr-128	27	29	of	of	ADP
amfbr-128	27	30	assets	asset	NOUN
amfbr-128	27	31	at	at	ADP
amfbr-128	27	32	lower	low	ADJ
amfbr-128	27	33	prices	price	NOUN
amfbr-128	27	34	,	,	PUNCT
amfbr-128	27	35	leading	lead	VERB
amfbr-128	27	36	to	to	ADP
amfbr-128	27	37	losses	loss	NOUN
amfbr-128	27	38	,	,	PUNCT
amfbr-128	27	39	despite	despite	SCONJ
amfbr-128	27	40	company	company	NOUN
amfbr-128	27	41	being	be	AUX
amfbr-128	27	42	solvent(kamau	solvent(kamau	PROPN
amfbr-128	27	43	,	,	PUNCT
amfbr-128	27	44	f	f	PROPN
amfbr-128	27	45	&	&	CCONJ
amfbr-128	27	46	njeru	njeru	PROPN
amfbr-128	27	47	,	,	PUNCT
amfbr-128	27	48	2016	2016	NUM
amfbr-128	27	49	)	)	PUNCT
amfbr-128	27	50	.	.	PUNCT
amfbr-128	28	1	loss	loss	NOUN
amfbr-128	28	2	from	from	ADP
amfbr-128	28	3	meeting	meet	VERB
amfbr-128	28	4	liquidity	liquidity	NOUN
amfbr-128	28	5	comes	come	VERB
amfbr-128	28	6	either	either	CCONJ
amfbr-128	28	7	from	from	ADP
amfbr-128	28	8	fire	fire	NOUN
amfbr-128	28	9	sale	sale	NOUN
amfbr-128	28	10	or	or	CCONJ
amfbr-128	28	11	by	by	ADP
amfbr-128	28	12	paying	pay	VERB
amfbr-128	28	13	interest	interest	NOUN
amfbr-128	28	14	on	on	ADP
amfbr-128	28	15	borrowing	borrow	VERB
amfbr-128	28	16	to	to	PART
amfbr-128	28	17	meet	meet	VERB
amfbr-128	28	18	payouts	payout	NOUN
amfbr-128	28	19	.	.	PUNCT
amfbr-128	29	1	liquidity	liquidity	NOUN
amfbr-128	29	2	risk	risk	NOUN
amfbr-128	29	3	arises	arise	VERB
amfbr-128	29	4	due	due	ADP
amfbr-128	29	5	to	to	ADP
amfbr-128	29	6	two	two	NUM
amfbr-128	29	7	reasons	reason	NOUN
amfbr-128	29	8	,	,	PUNCT
amfbr-128	29	9	one	one	NUM
amfbr-128	29	10	on	on	ADP
amfbr-128	29	11	the	the	DET
amfbr-128	29	12	liability	liability	NOUN
amfbr-128	29	13	side	side	NOUN
amfbr-128	29	14	and	and	CCONJ
amfbr-128	29	15	other	other	ADJ
amfbr-128	29	16	on	on	ADP
amfbr-128	29	17	the	the	DET
amfbr-128	29	18	asset	asset	NOUN
amfbr-128	29	19	side	side	NOUN
amfbr-128	29	20	(	(	PUNCT
amfbr-128	29	21	sonjai	sonjai	NOUN
amfbr-128	29	22	,	,	PUNCT
amfbr-128	29	23	2008	2008	NUM
amfbr-128	29	24	)	)	PUNCT
amfbr-128	29	25	.	.	PUNCT
amfbr-128	30	1	financial	financial	ADJ
amfbr-128	30	2	performance	performance	NOUN
amfbr-128	30	3	on	on	ADP
amfbr-128	30	4	the	the	DET
amfbr-128	30	5	other	other	ADJ
amfbr-128	30	6	hand	hand	NOUN
amfbr-128	30	7	refers	refer	VERB
amfbr-128	30	8	to	to	ADP
amfbr-128	30	9	the	the	DET
amfbr-128	30	10	act	act	NOUN
amfbr-128	30	11	of	of	ADP
amfbr-128	30	12	performing	perform	VERB
amfbr-128	30	13	financial	financial	ADJ
amfbr-128	30	14	activity	activity	NOUN
amfbr-128	30	15	;	;	PUNCT
amfbr-128	30	16	it	it	PRON
amfbr-128	30	17	is	be	AUX
amfbr-128	30	18	used	use	VERB
amfbr-128	30	19	to	to	PART
amfbr-128	30	20	measure	measure	VERB
amfbr-128	30	21	firm	firm	NOUN
amfbr-128	30	22	's	's	PART
amfbr-128	30	23	overall	overall	ADJ
amfbr-128	30	24	financial	financial	ADJ
amfbr-128	30	25	health	health	NOUN
amfbr-128	30	26	over	over	ADP
amfbr-128	30	27	a	a	DET
amfbr-128	30	28	given	give	VERB
amfbr-128	30	29	period	period	NOUN
amfbr-128	30	30	of	of	ADP
amfbr-128	30	31	time	time	NOUN
amfbr-128	30	32	.	.	PUNCT
amfbr-128	31	1	financial	financial	ADJ
amfbr-128	31	2	performance	performance	NOUN
amfbr-128	31	3	is	be	AUX
amfbr-128	31	4	a	a	DET
amfbr-128	31	5	desirable	desirable	ADJ
amfbr-128	31	6	objective	objective	NOUN
amfbr-128	31	7	for	for	ADP
amfbr-128	31	8	all	all	DET
amfbr-128	31	9	profit	profit	NOUN
amfbr-128	31	10	-	-	PUNCT
amfbr-128	31	11	oriented	orient	VERB
amfbr-128	31	12	firms	firm	NOUN
amfbr-128	31	13	.	.	PUNCT
amfbr-128	32	1	the	the	DET
amfbr-128	32	2	absence	absence	NOUN
amfbr-128	32	3	of	of	ADP
amfbr-128	32	4	it	it	PRON
amfbr-128	32	5	can	can	AUX
amfbr-128	32	6	indeed	indeed	ADV
amfbr-128	32	7	spells	spell	VERB
amfbr-128	32	8	failure	failure	NOUN
amfbr-128	32	9	.	.	PUNCT
amfbr-128	33	1	typical	typical	ADJ
amfbr-128	33	2	measures	measure	NOUN
amfbr-128	33	3	of	of	ADP
amfbr-128	33	4	financial	financial	ADJ
amfbr-128	33	5	performance	performance	NOUN
amfbr-128	33	6	are	be	AUX
amfbr-128	33	7	profitability	profitability	NOUN
amfbr-128	33	8	,	,	PUNCT
amfbr-128	33	9	(	(	PUNCT
amfbr-128	33	10	yahaya	yahaya	PROPN
amfbr-128	33	11	&	&	CCONJ
amfbr-128	33	12	lamidi	lamidi	PROPN
amfbr-128	33	13	,	,	PUNCT
amfbr-128	33	14	2015	2015	NUM
amfbr-128	33	15	)	)	PUNCT
amfbr-128	33	16	.	.	PUNCT
amfbr-128	34	1	in	in	ADP
amfbr-128	34	2	nigeria	nigeria	PROPN
amfbr-128	34	3	,	,	PUNCT
amfbr-128	34	4	previous	previous	ADJ
amfbr-128	34	5	studies	study	NOUN
amfbr-128	34	6	such	such	ADJ
amfbr-128	34	7	as	as	ADP
amfbr-128	34	8	(	(	PUNCT
amfbr-128	34	9	ahmed	ahmed	PROPN
amfbr-128	34	10	et	et	PROPN
amfbr-128	34	11	al	al	PROPN
amfbr-128	34	12	(	(	PUNCT
amfbr-128	34	13	2011	2011	NUM
amfbr-128	34	14	)	)	PUNCT
amfbr-128	34	15	,	,	PUNCT
amfbr-128	34	16	daniel	daniel	PROPN
amfbr-128	34	17	and	and	CCONJ
amfbr-128	34	18	tilahun	tilahun	PROPN
amfbr-128	34	19	(	(	PUNCT
amfbr-128	34	20	2012	2012	NUM
amfbr-128	34	21	)	)	PUNCT
amfbr-128	34	22	,	,	PUNCT
amfbr-128	34	23	sumaira	sumaira	PROPN
amfbr-128	34	24	and	and	CCONJ
amfbr-128	34	25	amjad	amjad	PROPN
amfbr-128	34	26	(	(	PUNCT
amfbr-128	34	27	2013	2013	NUM
amfbr-128	34	28	)	)	PUNCT
amfbr-128	34	29	among	among	ADP
amfbr-128	34	30	others	other	NOUN
amfbr-128	34	31	concentrated	concentrate	VERB
amfbr-128	34	32	on	on	ADP
amfbr-128	34	33	the	the	DET
amfbr-128	34	34	effect	effect	NOUN
amfbr-128	34	35	of	of	ADP
amfbr-128	34	36	liquidity	liquidity	NOUN
amfbr-128	34	37	on	on	ADP
amfbr-128	34	38	profitability	profitability	NOUN
amfbr-128	34	39	of	of	ADP
amfbr-128	34	40	commercial	commercial	ADJ
amfbr-128	34	41	banks	bank	NOUN
amfbr-128	34	42	and	and	CCONJ
amfbr-128	34	43	non	non	ADJ
amfbr-128	34	44	financial	financial	ADJ
amfbr-128	34	45	institution	institution	NOUN
amfbr-128	34	46	.	.	PUNCT
amfbr-128	35	1	from	from	ADP
amfbr-128	35	2	the	the	DET
amfbr-128	35	3	review	review	NOUN
amfbr-128	35	4	,	,	PUNCT
amfbr-128	35	5	very	very	ADV
amfbr-128	35	6	few	few	ADJ
amfbr-128	35	7	study	study	NOUN
amfbr-128	35	8	focus	focus	NOUN
amfbr-128	35	9	on	on	ADP
amfbr-128	35	10	insurance	insurance	NOUN
amfbr-128	35	11	sectors	sector	NOUN
amfbr-128	35	12	.	.	PUNCT
amfbr-128	36	1	this	this	DET
amfbr-128	36	2	study	study	NOUN
amfbr-128	36	3	therefore	therefore	ADV
amfbr-128	36	4	differs	differ	VERB
amfbr-128	36	5	by	by	ADP
amfbr-128	36	6	concentrating	concentrate	VERB
amfbr-128	36	7	on	on	ADP
amfbr-128	36	8	the	the	DET
amfbr-128	36	9	effect	effect	NOUN
amfbr-128	36	10	liquidity	liquidity	NOUN
amfbr-128	36	11	risk	risk	NOUN
amfbr-128	36	12	,	,	PUNCT
amfbr-128	36	13	premium	premium	NOUN
amfbr-128	36	14	growth	growth	NOUN
amfbr-128	36	15	on	on	ADP
amfbr-128	36	16	the	the	DET
amfbr-128	36	17	performance	performance	NOUN
amfbr-128	36	18	of	of	ADP
amfbr-128	36	19	insurance	insurance	NOUN
amfbr-128	36	20	firms	firm	NOUN
amfbr-128	36	21	in	in	ADP
amfbr-128	36	22	nigeria	nigeria	PROPN
amfbr-128	36	23	.	.	PUNCT
amfbr-128	37	1	in	in	ADP
amfbr-128	37	2	order	order	NOUN
amfbr-128	37	3	to	to	PART
amfbr-128	37	4	achieve	achieve	VERB
amfbr-128	37	5	this	this	PRON
amfbr-128	37	6	,	,	PUNCT
amfbr-128	37	7	we	we	PRON
amfbr-128	37	8	hypothesized	hypothesize	VERB
amfbr-128	37	9	that	that	SCONJ
amfbr-128	37	10	;	;	PUNCT
amfbr-128	37	11	ho1	ho1	NOUN
amfbr-128	37	12	:	:	PUNCT
amfbr-128	37	13	liquidity	liquidity	NOUN
amfbr-128	37	14	risk	risk	NOUN
amfbr-128	37	15	,	,	PUNCT
amfbr-128	37	16	premium	premium	NOUN
amfbr-128	37	17	growth	growth	NOUN
amfbr-128	37	18	has	have	VERB
amfbr-128	37	19	no	no	DET
amfbr-128	37	20	significant	significant	ADJ
amfbr-128	37	21	effect	effect	NOUN
amfbr-128	37	22	on	on	ADP
amfbr-128	37	23	the	the	DET
amfbr-128	37	24	performance	performance	NOUN
amfbr-128	37	25	of	of	ADP
amfbr-128	37	26	insurance	insurance	NOUN
amfbr-128	37	27	firms	firm	NOUN
amfbr-128	37	28	in	in	ADP
amfbr-128	37	29	nigeria	nigeria	PROPN
amfbr-128	37	30	.	.	PUNCT
amfbr-128	38	1	2	2	X
amfbr-128	38	2	.	.	X
amfbr-128	38	3	literature	literature	NOUN
amfbr-128	38	4	review	review	VERB
amfbr-128	38	5	2.1	2.1	NUM
amfbr-128	38	6	liquidity	liquidity	NOUN
amfbr-128	38	7	risk	risk	NOUN
amfbr-128	38	8	and	and	CCONJ
amfbr-128	38	9	firms	firm	NOUN
amfbr-128	38	10	performance	performance	NOUN
amfbr-128	38	11	performance	performance	NOUN
amfbr-128	38	12	measures	measure	NOUN
amfbr-128	38	13	serve	serve	VERB
amfbr-128	38	14	as	as	ADP
amfbr-128	38	15	a	a	DET
amfbr-128	38	16	basis	basis	NOUN
amfbr-128	38	17	for	for	ADP
amfbr-128	38	18	evaluating	evaluate	VERB
amfbr-128	38	19	the	the	DET
amfbr-128	38	20	financial	financial	ADJ
amfbr-128	38	21	performance	performance	NOUN
amfbr-128	38	22	of	of	ADP
amfbr-128	38	23	a	a	DET
amfbr-128	38	24	corporate	corporate	ADJ
amfbr-128	38	25	entity	entity	NOUN
amfbr-128	38	26	.	.	PUNCT
amfbr-128	39	1	performance	performance	NOUN
amfbr-128	39	2	of	of	ADP
amfbr-128	39	3	an	an	DET
amfbr-128	39	4	organization	organization	NOUN
amfbr-128	39	5	can	can	AUX
amfbr-128	39	6	be	be	AUX
amfbr-128	39	7	measured	measure	VERB
amfbr-128	39	8	through	through	ADP
amfbr-128	39	9	return	return	NOUN
amfbr-128	39	10	on	on	ADP
amfbr-128	39	11	assets	asset	NOUN
amfbr-128	39	12	(	(	PUNCT
amfbr-128	39	13	roa	roa	NOUN
amfbr-128	39	14	)	)	PUNCT
amfbr-128	39	15	,	,	PUNCT
amfbr-128	39	16	return	return	VERB
amfbr-128	39	17	on	on	ADP
amfbr-128	39	18	equity	equity	NOUN
amfbr-128	39	19	(	(	PUNCT
amfbr-128	39	20	roe	roe	PROPN
amfbr-128	39	21	)	)	PUNCT
amfbr-128	39	22	,	,	PUNCT
amfbr-128	39	23	earnings	earning	NOUN
amfbr-128	39	24	per	per	ADP
amfbr-128	39	25	share	share	NOUN
amfbr-128	39	26	(	(	PUNCT
amfbr-128	39	27	eps	eps	PROPN
amfbr-128	39	28	)	)	PUNCT
amfbr-128	39	29	among	among	ADP
amfbr-128	39	30	others	other	NOUN
amfbr-128	39	31	.	.	PUNCT
amfbr-128	40	1	furthermore	furthermore	ADV
amfbr-128	40	2	,	,	PUNCT
amfbr-128	40	3	many	many	ADJ
amfbr-128	40	4	researchers	researcher	NOUN
amfbr-128	40	5	;	;	PUNCT
amfbr-128	40	6	pathirawasam	pathirawasam	PROPN
amfbr-128	40	7	and	and	CCONJ
amfbr-128	40	8	adriana	adriana	PROPN
amfbr-128	40	9	,	,	PUNCT
amfbr-128	40	10	(	(	PUNCT
amfbr-128	40	11	2013	2013	NUM
amfbr-128	40	12	)	)	PUNCT
amfbr-128	40	13	;	;	PUNCT
amfbr-128	40	14	ali	ali	PROPN
amfbr-128	40	15	,	,	PUNCT
amfbr-128	40	16	mohammed	mohammed	PROPN
amfbr-128	40	17	&	&	CCONJ
amfbr-128	40	18	amer	amer	PROPN
amfbr-128	40	19	,	,	PUNCT
amfbr-128	40	20	(	(	PUNCT
amfbr-128	40	21	2015	2015	NUM
amfbr-128	40	22	)	)	PUNCT
amfbr-128	40	23	;	;	PUNCT
amfbr-128	40	24	yahaya	yahaya	PROPN
amfbr-128	40	25	&	&	CCONJ
amfbr-128	40	26	lamidi	lamidi	PROPN
amfbr-128	40	27	,	,	PUNCT
amfbr-128	40	28	2015	2015	NUM
amfbr-128	40	29	;	;	PUNCT
amfbr-128	40	30	have	have	AUX
amfbr-128	40	31	used	use	VERB
amfbr-128	40	32	roa	roa	PROPN
amfbr-128	40	33	to	to	PART
amfbr-128	40	34	measure	measure	VERB
amfbr-128	40	35	the	the	DET
amfbr-128	40	36	financial	financial	ADJ
amfbr-128	40	37	performance	performance	NOUN
amfbr-128	40	38	of	of	ADP
amfbr-128	40	39	companies	company	NOUN
amfbr-128	40	40	.	.	PUNCT
amfbr-128	41	1	for	for	ADP
amfbr-128	41	2	this	this	PRON
amfbr-128	41	3	,	,	PUNCT
amfbr-128	41	4	roa	roa	PROPN
amfbr-128	41	5	has	have	AUX
amfbr-128	41	6	been	be	AUX
amfbr-128	41	7	will	will	AUX
amfbr-128	41	8	be	be	AUX
amfbr-128	41	9	used	use	VERB
amfbr-128	41	10	this	this	DET
amfbr-128	41	11	study	study	NOUN
amfbr-128	41	12	as	as	ADP
amfbr-128	41	13	the	the	DET
amfbr-128	41	14	dependent	dependent	ADJ
amfbr-128	41	15	variable	variable	NOUN
amfbr-128	41	16	for	for	ADP
amfbr-128	41	17	analysis	analysis	NOUN
amfbr-128	41	18	.	.	PUNCT
amfbr-128	42	1	this	this	DET
amfbr-128	42	2	variable	variable	NOUN
amfbr-128	42	3	is	be	AUX
amfbr-128	42	4	most	most	ADV
amfbr-128	42	5	sustainable	sustainable	ADJ
amfbr-128	42	6	because	because	SCONJ
amfbr-128	42	7	it	it	PRON
amfbr-128	42	8	is	be	AUX
amfbr-128	42	9	measure	measure	NOUN
amfbr-128	42	10	of	of	ADP
amfbr-128	42	11	efficiency	efficiency	NOUN
amfbr-128	42	12	,	,	PUNCT
amfbr-128	42	13	by	by	ADP
amfbr-128	42	14	revealing	reveal	VERB
amfbr-128	42	15	how	how	SCONJ
amfbr-128	42	16	effectively	effectively	ADV
amfbr-128	42	17	and	and	CCONJ
amfbr-128	42	18	efficiently	efficiently	ADV
amfbr-128	42	19	a	a	DET
amfbr-128	42	20	firm	firm	NOUN
amfbr-128	42	21	utilizes	utilize	VERB
amfbr-128	42	22	the	the	DET
amfbr-128	42	23	resources	resource	NOUN
amfbr-128	42	24	(	(	PUNCT
amfbr-128	42	25	assets	asset	NOUN
amfbr-128	42	26	)	)	PUNCT
amfbr-128	42	27	at	at	ADP
amfbr-128	42	28	its	its	PRON
amfbr-128	42	29	disposal	disposal	NOUN
amfbr-128	42	30	,	,	PUNCT
amfbr-128	42	31	in	in	ADP
amfbr-128	42	32	revenue	revenue	NOUN
amfbr-128	42	33	generation	generation	NOUN
amfbr-128	42	34	.	.	PUNCT
amfbr-128	43	1	the	the	DET
amfbr-128	43	2	liquidity	liquidity	NOUN
amfbr-128	43	3	risk	risk	NOUN
amfbr-128	43	4	factor	factor	NOUN
amfbr-128	43	5	that	that	PRON
amfbr-128	43	6	affect	affect	VERB
amfbr-128	43	7	the	the	DET
amfbr-128	43	8	firm	firm	ADJ
amfbr-128	43	9	performance	performance	NOUN
amfbr-128	43	10	of	of	ADP
amfbr-128	43	11	insurance	insurance	NOUN
amfbr-128	43	12	companies	company	NOUN
amfbr-128	43	13	include	include	VERB
amfbr-128	43	14	,	,	PUNCT
amfbr-128	43	15	liquidity	liquidity	NOUN
amfbr-128	43	16	ratio	ratio	NOUN
amfbr-128	43	17	,	,	PUNCT
amfbr-128	43	18	premium	premium	NOUN
amfbr-128	43	19	growth	growth	NOUN
amfbr-128	43	20	rate	rate	NOUN
amfbr-128	43	21	,	,	PUNCT
amfbr-128	43	22	leverage	leverage	NOUN
amfbr-128	43	23	,	,	PUNCT
amfbr-128	43	24	underwriting	underwriting	NOUN
amfbr-128	43	25	risk	risk	NOUN
amfbr-128	43	26	,	,	PUNCT
amfbr-128	43	27	claim	claim	VERB
amfbr-128	43	28	ratio	ratio	NOUN
amfbr-128	43	29	loss	loss	NOUN
amfbr-128	43	30	among	among	ADP
amfbr-128	43	31	others	other	NOUN
amfbr-128	43	32	.	.	PUNCT
amfbr-128	44	1	this	this	DET
amfbr-128	44	2	study	study	NOUN
amfbr-128	44	3	therefore	therefore	ADV
amfbr-128	44	4	focuses	focus	VERB
amfbr-128	44	5	on	on	ADP
amfbr-128	44	6	leverage	leverage	NOUN
amfbr-128	44	7	risk	risk	NOUN
amfbr-128	44	8	,	,	PUNCT
amfbr-128	44	9	claim	claim	VERB
amfbr-128	44	10	ratio	ratio	NOUN
amfbr-128	44	11	loss	loss	NOUN
amfbr-128	44	12	,	,	PUNCT
amfbr-128	44	13	and	and	CCONJ
amfbr-128	44	14	premium	premium	NOUN
amfbr-128	44	15	growth	growth	NOUN
amfbr-128	44	16	rate	rate	NOUN
amfbr-128	44	17	because	because	SCONJ
amfbr-128	44	18	they	they	PRON
amfbr-128	44	19	are	be	AUX
amfbr-128	44	20	liquidity	liquidity	NOUN
amfbr-128	44	21	risk	risk	NOUN
amfbr-128	44	22	attributes	attribute	NOUN
amfbr-128	44	23	that	that	PRON
amfbr-128	44	24	relates	relate	VERB
amfbr-128	44	25	to	to	ADP
amfbr-128	44	26	the	the	DET
amfbr-128	44	27	performance	performance	NOUN
amfbr-128	44	28	of	of	ADP
amfbr-128	44	29	insurance	insurance	NOUN
amfbr-128	44	30	companies	company	NOUN
amfbr-128	44	31	leverage	leverage	VERB
amfbr-128	44	32	risk	risk	NOUN
amfbr-128	44	33	insurance	insurance	NOUN
amfbr-128	44	34	companies	company	NOUN
amfbr-128	44	35	could	could	AUX
amfbr-128	44	36	prosper	prosper	VERB
amfbr-128	44	37	by	by	ADP
amfbr-128	44	38	taking	take	VERB
amfbr-128	44	39	reasonable	reasonable	ADJ
amfbr-128	44	40	leverage	leverage	NOUN
amfbr-128	44	41	risk	risk	NOUN
amfbr-128	44	42	or	or	CCONJ
amfbr-128	44	43	could	could	AUX
amfbr-128	44	44	become	become	VERB
amfbr-128	44	45	insolvent	insolvent	ADJ
amfbr-128	44	46	if	if	SCONJ
amfbr-128	44	47	the	the	DET
amfbr-128	44	48	risk	risk	NOUN
amfbr-128	44	49	is	be	AUX
amfbr-128	44	50	out	out	ADP
amfbr-128	44	51	of	of	ADP
amfbr-128	44	52	control	control	NOUN
amfbr-128	44	53	.	.	PUNCT
amfbr-128	45	1	nevertheless	nevertheless	ADV
amfbr-128	45	2	more	more	ADV
amfbr-128	45	3	empirical	empirical	ADJ
amfbr-128	45	4	evidence	evidence	NOUN
amfbr-128	45	5	supports	support	VERB
amfbr-128	45	6	the	the	DET
amfbr-128	45	7	view	view	NOUN
amfbr-128	45	8	that	that	SCONJ
amfbr-128	45	9	leverage	leverage	NOUN
amfbr-128	45	10	risk	risk	NOUN
amfbr-128	45	11	reduces	reduce	VERB
amfbr-128	45	12	the	the	DET
amfbr-128	45	13	performance	performance	NOUN
amfbr-128	45	14	of	of	ADP
amfbr-128	45	15	the	the	DET
amfbr-128	45	16	companies	company	NOUN
amfbr-128	45	17	.	.	PUNCT
amfbr-128	46	1	it	it	PRON
amfbr-128	46	2	is	be	AUX
amfbr-128	46	3	a	a	DET
amfbr-128	46	4	financial	financial	ADJ
amfbr-128	46	5	ratio	ratio	NOUN
amfbr-128	46	6	that	that	PRON
amfbr-128	46	7	indicates	indicate	VERB
amfbr-128	46	8	the	the	DET
amfbr-128	46	9	percentage	percentage	NOUN
amfbr-128	46	10	of	of	ADP
amfbr-128	46	11	firm	firm	NOUN
amfbr-128	46	12	’s	’s	PART
amfbr-128	46	13	asset	asset	NOUN
amfbr-128	46	14	that	that	PRON
amfbr-128	46	15	is	be	AUX
amfbr-128	46	16	financed	finance	VERB
amfbr-128	46	17	with	with	ADP
amfbr-128	46	18	debt	debt	NOUN
amfbr-128	46	19	.	.	PUNCT
amfbr-128	47	1	leverage	leverage	NOUN
amfbr-128	47	2	is	be	AUX
amfbr-128	47	3	measured	measure	VERB
amfbr-128	47	4	as	as	ADP
amfbr-128	47	5	total	total	ADJ
amfbr-128	47	6	liabilities	liability	NOUN
amfbr-128	47	7	to	to	PART
amfbr-128	47	8	total	total	VERB
amfbr-128	47	9	assets	asset	NOUN
amfbr-128	47	10	(	(	PUNCT
amfbr-128	47	11	nikhik	nikhik	NOUN
amfbr-128	47	12	,	,	PUNCT
amfbr-128	47	13	kingshuk	kingshuk	NOUN
amfbr-128	47	14	,	,	PUNCT
amfbr-128	47	15	and	and	CCONJ
amfbr-128	47	16	mihir	mihir	PROPN
amfbr-128	47	17	.	.	PROPN
amfbr-128	47	18	,	,	PUNCT
amfbr-128	47	19	2015	2015	NUM
amfbr-128	47	20	;	;	PUNCT
amfbr-128	47	21	mehari	mehari	NOUN
amfbr-128	47	22	and	and	CCONJ
amfbr-128	47	23	aemiro	aemiro	PROPN
amfbr-128	47	24	,	,	PUNCT
amfbr-128	47	25	2013	2013	NUM
amfbr-128	47	26	)	)	PUNCT
amfbr-128	47	27	.	.	PUNCT
amfbr-128	48	1	in	in	ADP
amfbr-128	48	2	this	this	DET
amfbr-128	48	3	study	study	NOUN
amfbr-128	48	4	the	the	DET
amfbr-128	48	5	ratio	ratio	NOUN
amfbr-128	48	6	of	of	ADP
amfbr-128	48	7	total	total	ADJ
amfbr-128	48	8	liabilities	liability	NOUN
amfbr-128	48	9	to	to	PART
amfbr-128	48	10	total	total	VERB
amfbr-128	48	11	asset	asset	NOUN
amfbr-128	48	12	is	be	AUX
amfbr-128	48	13	taken	take	VERB
amfbr-128	48	14	as	as	ADP
amfbr-128	48	15	an	an	DET
amfbr-128	48	16	independent	independent	ADJ
amfbr-128	48	17	variable	variable	NOUN
amfbr-128	48	18	.	.	PUNCT
amfbr-128	49	1	claims	claim	NOUN
amfbr-128	49	2	ratio	ratio	VERB
amfbr-128	49	3	the	the	DET
amfbr-128	49	4	claim	claim	NOUN
amfbr-128	49	5	ratio	ratio	NOUN
amfbr-128	49	6	is	be	AUX
amfbr-128	49	7	something	something	PRON
amfbr-128	49	8	very	very	ADV
amfbr-128	49	9	specific	specific	ADJ
amfbr-128	49	10	for	for	ADP
amfbr-128	49	11	the	the	DET
amfbr-128	49	12	insurance	insurance	NOUN
amfbr-128	49	13	business	business	NOUN
amfbr-128	49	14	.	.	PUNCT
amfbr-128	50	1	it	it	PRON
amfbr-128	50	2	is	be	AUX
amfbr-128	50	3	claims	claim	NOUN
amfbr-128	50	4	payable	payable	ADJ
amfbr-128	50	5	as	as	ADP
amfbr-128	50	6	a	a	DET
amfbr-128	50	7	percentage	percentage	NOUN
amfbr-128	50	8	of	of	ADP
amfbr-128	50	9	premium	premium	ADJ
amfbr-128	50	10	income	income	NOUN
amfbr-128	50	11	.	.	PUNCT
amfbr-128	51	1	this	this	PRON
amfbr-128	51	2	is	be	AUX
amfbr-128	51	3	also	also	ADV
amfbr-128	51	4	known	know	VERB
amfbr-128	51	5	as	as	ADP
amfbr-128	51	6	claims	claim	NOUN
amfbr-128	51	7	loss	loss	NOUN
amfbr-128	51	8	ratio	ratio	NOUN
amfbr-128	51	9	.	.	PUNCT
amfbr-128	52	1	(	(	PUNCT
amfbr-128	52	2	pietersz	pietersz	NOUN
amfbr-128	52	3	,	,	PUNCT
amfbr-128	52	4	2016	2016	NUM
amfbr-128	52	5	.	.	PUNCT
amfbr-128	52	6	)	)	PUNCT
amfbr-128	52	7	.	.	PUNCT
amfbr-128	53	1	the	the	DET
amfbr-128	53	2	claims	claim	NOUN
amfbr-128	53	3	ratio	ratio	NOUN
amfbr-128	53	4	measures	measure	NOUN
amfbr-128	53	5	the	the	DET
amfbr-128	53	6	number	number	NOUN
amfbr-128	53	7	of	of	ADP
amfbr-128	53	8	claims	claim	NOUN
amfbr-128	53	9	in	in	ADP
amfbr-128	53	10	a	a	DET
amfbr-128	53	11	period	period	NOUN
amfbr-128	53	12	and	and	CCONJ
amfbr-128	53	13	divides	divide	VERB
amfbr-128	53	14	that	that	SCONJ
amfbr-128	53	15	by	by	ADP
amfbr-128	53	16	the	the	DET
amfbr-128	53	17	earned	earn	VERB
amfbr-128	53	18	premium	premium	NOUN
amfbr-128	53	19	for	for	ADP
amfbr-128	53	20	the	the	DET
amfbr-128	53	21	same	same	ADJ
amfbr-128	53	22	period	period	NOUN
amfbr-128	53	23	.	.	PUNCT
amfbr-128	54	1	insurance	insurance	NOUN
amfbr-128	54	2	is	be	AUX
amfbr-128	54	3	the	the	DET
amfbr-128	54	4	business	business	NOUN
amfbr-128	54	5	of	of	ADP
amfbr-128	54	6	managing	manage	VERB
amfbr-128	54	7	liquidity	liquidity	NOUN
amfbr-128	54	8	risks	risk	NOUN
amfbr-128	54	9	and	and	CCONJ
amfbr-128	54	10	it	it	PRON
amfbr-128	54	11	is	be	AUX
amfbr-128	54	12	essential	essential	ADJ
amfbr-128	54	13	to	to	PART
amfbr-128	54	14	have	have	VERB
amfbr-128	54	15	a	a	DET
amfbr-128	54	16	thorough	thorough	ADJ
amfbr-128	54	17	understanding	understanding	NOUN
amfbr-128	54	18	of	of	ADP
amfbr-128	54	19	the	the	DET
amfbr-128	54	20	incurred	incur	VERB
amfbr-128	54	21	claims	claim	NOUN
amfbr-128	54	22	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-128	54	23	american	american	PROPN
amfbr-128	54	24	finance	finance	PROPN
amfbr-128	54	25	&	&	CCONJ
amfbr-128	54	26	banking	banking	PROPN
amfbr-128	54	27	review	review	PROPN
amfbr-128	54	28	vol	vol	NOUN
amfbr-128	54	29	.	.	PROPN
amfbr-128	55	1	2	2	NUM
amfbr-128	55	2	,	,	PUNCT
amfbr-128	55	3	no	no	INTJ
amfbr-128	55	4	.	.	NOUN
amfbr-128	55	5	1	1	NUM
amfbr-128	55	6	;	;	PUNCT
amfbr-128	55	7	2018	2018	NUM
amfbr-128	55	8	46	46	NUM
amfbr-128	55	9	ratio	ratio	NOUN
amfbr-128	55	10	.	.	PUNCT
amfbr-128	56	1	if	if	SCONJ
amfbr-128	56	2	the	the	DET
amfbr-128	56	3	value	value	NOUN
amfbr-128	56	4	is	be	AUX
amfbr-128	56	5	higher	high	ADJ
amfbr-128	56	6	than	than	SCONJ
amfbr-128	56	7	expected	expect	VERB
amfbr-128	56	8	or	or	CCONJ
amfbr-128	56	9	established	establish	VERB
amfbr-128	56	10	norms	norm	NOUN
amfbr-128	56	11	,	,	PUNCT
amfbr-128	56	12	then	then	ADV
amfbr-128	56	13	further	further	ADJ
amfbr-128	56	14	investigation	investigation	NOUN
amfbr-128	56	15	is	be	AUX
amfbr-128	56	16	required	require	VERB
amfbr-128	56	17	to	to	PART
amfbr-128	56	18	figure	figure	VERB
amfbr-128	56	19	out	out	ADP
amfbr-128	56	20	why	why	SCONJ
amfbr-128	56	21	that	that	PRON
amfbr-128	56	22	is	be	AUX
amfbr-128	56	23	.	.	PUNCT
amfbr-128	57	1	it	it	PRON
amfbr-128	57	2	is	be	AUX
amfbr-128	57	3	important	important	ADJ
amfbr-128	57	4	to	to	PART
amfbr-128	57	5	investigate	investigate	VERB
amfbr-128	57	6	if	if	SCONJ
amfbr-128	57	7	there	there	PRON
amfbr-128	57	8	is	be	VERB
amfbr-128	57	9	a	a	DET
amfbr-128	57	10	threat	threat	NOUN
amfbr-128	57	11	of	of	ADP
amfbr-128	57	12	an	an	DET
amfbr-128	57	13	insurance	insurance	NOUN
amfbr-128	57	14	fraud	fraud	NOUN
amfbr-128	57	15	.	.	PUNCT
amfbr-128	58	1	if	if	SCONJ
amfbr-128	58	2	the	the	DET
amfbr-128	58	3	ratio	ratio	NOUN
amfbr-128	58	4	is	be	AUX
amfbr-128	58	5	lower	low	ADJ
amfbr-128	58	6	than	than	SCONJ
amfbr-128	58	7	expected	expect	VERB
amfbr-128	58	8	,	,	PUNCT
amfbr-128	58	9	it	it	PRON
amfbr-128	58	10	could	could	AUX
amfbr-128	58	11	indicate	indicate	VERB
amfbr-128	58	12	irrelevant	irrelevant	ADJ
amfbr-128	58	13	products	product	NOUN
amfbr-128	58	14	or	or	CCONJ
amfbr-128	58	15	difficulties	difficulty	NOUN
amfbr-128	58	16	in	in	ADP
amfbr-128	58	17	claiming	claim	VERB
amfbr-128	58	18	,	,	PUNCT
amfbr-128	58	19	possibly	possibly	ADV
amfbr-128	58	20	affecting	affect	VERB
amfbr-128	58	21	customer	customer	NOUN
amfbr-128	58	22	satisfaction	satisfaction	NOUN
amfbr-128	58	23	,	,	PUNCT
amfbr-128	58	24	and	and	CCONJ
amfbr-128	58	25	obviously	obviously	ADV
amfbr-128	58	26	requires	require	VERB
amfbr-128	58	27	more	more	ADJ
amfbr-128	58	28	investigation	investigation	NOUN
amfbr-128	58	29	.	.	PUNCT
amfbr-128	59	1	(	(	PUNCT
amfbr-128	59	2	klipfolio	klipfolio	NOUN
amfbr-128	59	3	2016	2016	NUM
amfbr-128	59	4	.	.	PUNCT
amfbr-128	59	5	)	)	PUNCT
amfbr-128	59	6	.	.	PUNCT
amfbr-128	60	1	premium	premium	NOUN
amfbr-128	60	2	growth	growth	NOUN
amfbr-128	60	3	rate	rate	NOUN
amfbr-128	60	4	premium	premium	NOUN
amfbr-128	60	5	growth	growth	NOUN
amfbr-128	60	6	is	be	AUX
amfbr-128	60	7	another	another	DET
amfbr-128	60	8	important	important	ADJ
amfbr-128	60	9	financial	financial	ADJ
amfbr-128	60	10	variable	variable	NOUN
amfbr-128	60	11	that	that	PRON
amfbr-128	60	12	influences	influence	VERB
amfbr-128	60	13	the	the	DET
amfbr-128	60	14	financial	financial	ADJ
amfbr-128	60	15	performance	performance	NOUN
amfbr-128	60	16	of	of	ADP
amfbr-128	60	17	insurance	insurance	NOUN
amfbr-128	60	18	companies	company	NOUN
amfbr-128	60	19	.	.	PUNCT
amfbr-128	61	1	therefore	therefore	ADV
amfbr-128	61	2	the	the	DET
amfbr-128	61	3	growth	growth	NOUN
amfbr-128	61	4	in	in	ADP
amfbr-128	61	5	premium	premium	NOUN
amfbr-128	61	6	of	of	ADP
amfbr-128	61	7	the	the	DET
amfbr-128	61	8	firm	firm	NOUN
amfbr-128	61	9	has	have	AUX
amfbr-128	61	10	been	be	AUX
amfbr-128	61	11	argued	argue	VERB
amfbr-128	61	12	to	to	PART
amfbr-128	61	13	have	have	AUX
amfbr-128	61	14	influenced	influence	VERB
amfbr-128	61	15	on	on	ADP
amfbr-128	61	16	the	the	DET
amfbr-128	61	17	financial	financial	ADJ
amfbr-128	61	18	performance	performance	NOUN
amfbr-128	61	19	of	of	ADP
amfbr-128	61	20	insurance	insurance	NOUN
amfbr-128	61	21	companies	company	NOUN
amfbr-128	61	22	and	and	CCONJ
amfbr-128	61	23	this	this	PRON
amfbr-128	61	24	has	have	AUX
amfbr-128	61	25	been	be	AUX
amfbr-128	61	26	studied	study	VERB
amfbr-128	61	27	frequently	frequently	ADV
amfbr-128	61	28	.	.	PUNCT
amfbr-128	62	1	premium	premium	NOUN
amfbr-128	62	2	growth	growth	NOUN
amfbr-128	62	3	as	as	SCONJ
amfbr-128	62	4	measured	measure	VERB
amfbr-128	62	5	by	by	ADP
amfbr-128	62	6	percentage	percentage	NOUN
amfbr-128	62	7	change	change	NOUN
amfbr-128	62	8	in	in	ADP
amfbr-128	62	9	total	total	ADJ
amfbr-128	62	10	assets	asset	NOUN
amfbr-128	62	11	or	or	CCONJ
amfbr-128	62	12	sometimes	sometimes	ADV
amfbr-128	62	13	as	as	SCONJ
amfbr-128	62	14	percentage	percentage	NOUN
amfbr-128	62	15	change	change	NOUN
amfbr-128	62	16	in	in	ADP
amfbr-128	62	17	premium	premium	NOUN
amfbr-128	62	18	of	of	ADP
amfbr-128	62	19	insurance	insurance	NOUN
amfbr-128	62	20	companies	company	NOUN
amfbr-128	62	21	(	(	PUNCT
amfbr-128	62	22	abate	abate	VERB
amfbr-128	62	23	,	,	PUNCT
amfbr-128	62	24	2012	2012	NUM
amfbr-128	62	25	)	)	PUNCT
amfbr-128	62	26	.	.	PUNCT
amfbr-128	63	1	premium	premium	NOUN
amfbr-128	63	2	growth	growth	NOUN
amfbr-128	63	3	rate	rate	NOUN
amfbr-128	63	4	measures	measure	VERB
amfbr-128	63	5	the	the	DET
amfbr-128	63	6	rate	rate	NOUN
amfbr-128	63	7	of	of	ADP
amfbr-128	63	8	market	market	NOUN
amfbr-128	63	9	penetration	penetration	NOUN
amfbr-128	63	10	(	(	PUNCT
amfbr-128	63	11	ahmed	ahmed	PROPN
amfbr-128	63	12	et	et	PROPN
amfbr-128	63	13	al	al	PROPN
amfbr-128	63	14	,	,	PUNCT
amfbr-128	63	15	2011	2011	NUM
amfbr-128	63	16	)	)	PUNCT
amfbr-128	63	17	.	.	PUNCT
amfbr-128	64	1	2	2	NUM
amfbr-128	64	2	.	.	SYM
amfbr-128	64	3	2	2	NUM
amfbr-128	64	4	liquidity	liquidity	NOUN
amfbr-128	64	5	risk	risk	NOUN
amfbr-128	64	6	and	and	CCONJ
amfbr-128	64	7	financial	financial	ADJ
amfbr-128	64	8	performance	performance	NOUN
amfbr-128	64	9	:	:	PUNCT
amfbr-128	64	10	an	an	DET
amfbr-128	64	11	empirical	empirical	ADJ
amfbr-128	64	12	review	review	NOUN
amfbr-128	64	13	this	this	DET
amfbr-128	64	14	section	section	NOUN
amfbr-128	64	15	focuses	focus	VERB
amfbr-128	64	16	on	on	ADP
amfbr-128	64	17	related	related	ADJ
amfbr-128	64	18	studies	study	NOUN
amfbr-128	64	19	of	of	ADP
amfbr-128	64	20	which	which	DET
amfbr-128	64	21	emphasis	emphasis	NOUN
amfbr-128	64	22	is	be	AUX
amfbr-128	64	23	placed	place	VERB
amfbr-128	64	24	on	on	ADP
amfbr-128	64	25	the	the	DET
amfbr-128	64	26	attributes	attribute	NOUN
amfbr-128	64	27	used	use	VERB
amfbr-128	64	28	in	in	ADP
amfbr-128	64	29	this	this	DET
amfbr-128	64	30	study	study	NOUN
amfbr-128	64	31	as	as	SCONJ
amfbr-128	64	32	they	they	PRON
amfbr-128	64	33	relate	relate	VERB
amfbr-128	64	34	to	to	ADP
amfbr-128	64	35	performance	performance	NOUN
amfbr-128	64	36	of	of	ADP
amfbr-128	64	37	insurance	insurance	NOUN
amfbr-128	64	38	companies	company	NOUN
amfbr-128	64	39	.	.	PUNCT
amfbr-128	65	1	for	for	ADP
amfbr-128	65	2	instance	instance	PROPN
amfbr-128	65	3	kamau	kamau	PROPN
amfbr-128	65	4	,	,	PUNCT
amfbr-128	65	5	&	&	CCONJ
amfbr-128	65	6	njeru	njeru	PROPN
amfbr-128	65	7	,	,	PUNCT
amfbr-128	65	8	(	(	PUNCT
amfbr-128	65	9	2016	2016	NUM
amfbr-128	65	10	)	)	PUNCT
amfbr-128	65	11	examine	examine	VERB
amfbr-128	65	12	the	the	DET
amfbr-128	65	13	effect	effect	NOUN
amfbr-128	65	14	of	of	ADP
amfbr-128	65	15	liquidity	liquidity	NOUN
amfbr-128	65	16	risk	risk	NOUN
amfbr-128	65	17	on	on	ADP
amfbr-128	65	18	financial	financial	ADJ
amfbr-128	65	19	performance	performance	NOUN
amfbr-128	65	20	of	of	ADP
amfbr-128	65	21	six	six	NUM
amfbr-128	65	22	insurance	insurance	NOUN
amfbr-128	65	23	companies	company	NOUN
amfbr-128	65	24	listed	list	VERB
amfbr-128	65	25	at	at	ADP
amfbr-128	65	26	the	the	DET
amfbr-128	65	27	nairobi	nairobi	PROPN
amfbr-128	65	28	securities	securities	PROPN
amfbr-128	65	29	exchange	exchange	NOUN
amfbr-128	65	30	for	for	ADP
amfbr-128	65	31	the	the	DET
amfbr-128	65	32	period	period	NOUN
amfbr-128	65	33	2012	2012	NUM
amfbr-128	65	34	-	-	SYM
amfbr-128	65	35	2015	2015	NUM
amfbr-128	65	36	.	.	PUNCT
amfbr-128	66	1	the	the	DET
amfbr-128	66	2	risks	risk	NOUN
amfbr-128	66	3	studied	study	VERB
amfbr-128	66	4	included	include	VERB
amfbr-128	66	5	operational	operational	ADJ
amfbr-128	66	6	risk	risk	NOUN
amfbr-128	66	7	,	,	PUNCT
amfbr-128	66	8	market	market	NOUN
amfbr-128	66	9	risk	risk	NOUN
amfbr-128	66	10	and	and	CCONJ
amfbr-128	66	11	credit	credit	NOUN
amfbr-128	66	12	risk	risk	NOUN
amfbr-128	66	13	.	.	PUNCT
amfbr-128	67	1	the	the	DET
amfbr-128	67	2	study	study	NOUN
amfbr-128	67	3	was	be	AUX
amfbr-128	67	4	descriptive	descriptive	ADJ
amfbr-128	67	5	in	in	ADP
amfbr-128	67	6	nature	nature	NOUN
amfbr-128	67	7	.	.	PUNCT
amfbr-128	68	1	it	it	PRON
amfbr-128	68	2	was	be	AUX
amfbr-128	68	3	found	find	VERB
amfbr-128	68	4	out	out	ADP
amfbr-128	68	5	that	that	SCONJ
amfbr-128	68	6	operational	operational	ADJ
amfbr-128	68	7	,	,	PUNCT
amfbr-128	68	8	market	market	NOUN
amfbr-128	68	9	and	and	CCONJ
amfbr-128	68	10	credit	credit	NOUN
amfbr-128	68	11	risks	risk	NOUN
amfbr-128	68	12	has	have	VERB
amfbr-128	68	13	negative	negative	ADJ
amfbr-128	68	14	effect	effect	NOUN
amfbr-128	68	15	on	on	ADP
amfbr-128	68	16	the	the	DET
amfbr-128	68	17	financial	financial	ADJ
amfbr-128	68	18	performance	performance	NOUN
amfbr-128	68	19	.	.	PUNCT
amfbr-128	69	1	the	the	DET
amfbr-128	69	2	study	study	NOUN
amfbr-128	69	3	recommended	recommend	VERB
amfbr-128	69	4	that	that	SCONJ
amfbr-128	69	5	measures	measure	NOUN
amfbr-128	69	6	should	should	AUX
amfbr-128	69	7	be	be	AUX
amfbr-128	69	8	put	put	VERB
amfbr-128	69	9	into	into	ADP
amfbr-128	69	10	place	place	NOUN
amfbr-128	69	11	to	to	PART
amfbr-128	69	12	hedge	hedge	VERB
amfbr-128	69	13	these	these	DET
amfbr-128	69	14	risks	risk	NOUN
amfbr-128	69	15	and	and	CCONJ
amfbr-128	69	16	hence	hence	ADV
amfbr-128	69	17	maintain	maintain	VERB
amfbr-128	69	18	a	a	DET
amfbr-128	69	19	healthy	healthy	ADJ
amfbr-128	69	20	financial	financial	ADJ
amfbr-128	69	21	performance	performance	NOUN
amfbr-128	69	22	.	.	PUNCT
amfbr-128	70	1	muriithi	muriithi	PROPN
amfbr-128	70	2	&	&	CCONJ
amfbr-128	70	3	waweru	waweru	PROPN
amfbr-128	70	4	,	,	PUNCT
amfbr-128	70	5	(	(	PUNCT
amfbr-128	70	6	2017	2017	NUM
amfbr-128	70	7	)	)	PUNCT
amfbr-128	70	8	conduct	conduct	VERB
amfbr-128	70	9	a	a	DET
amfbr-128	70	10	study	study	NOUN
amfbr-128	70	11	on	on	ADP
amfbr-128	70	12	liquidity	liquidity	NOUN
amfbr-128	70	13	risk	risk	NOUN
amfbr-128	70	14	and	and	CCONJ
amfbr-128	70	15	financial	financial	ADJ
amfbr-128	70	16	performance	performance	NOUN
amfbr-128	70	17	of	of	ADP
amfbr-128	70	18	43	43	NUM
amfbr-128	70	19	registered	register	VERB
amfbr-128	70	20	commercial	commercial	ADJ
amfbr-128	70	21	banks	bank	NOUN
amfbr-128	70	22	in	in	ADP
amfbr-128	70	23	kenya	kenya	PROPN
amfbr-128	70	24	over	over	ADP
amfbr-128	70	25	a	a	DET
amfbr-128	70	26	period	period	NOUN
amfbr-128	70	27	of	of	ADP
amfbr-128	70	28	(	(	PUNCT
amfbr-128	70	29	2005	2005	NUM
amfbr-128	70	30	–	–	PUNCT
amfbr-128	70	31	2014	2014	NUM
amfbr-128	70	32	)	)	PUNCT
amfbr-128	70	33	.	.	PUNCT
amfbr-128	71	1	liquidity	liquidity	NOUN
amfbr-128	71	2	risk	risk	NOUN
amfbr-128	71	3	was	be	AUX
amfbr-128	71	4	measured	measure	VERB
amfbr-128	71	5	by	by	ADP
amfbr-128	71	6	liquidity	liquidity	NOUN
amfbr-128	71	7	coverage	coverage	NOUN
amfbr-128	71	8	ratio	ratio	NOUN
amfbr-128	71	9	(	(	PUNCT
amfbr-128	71	10	lcr	lcr	NOUN
amfbr-128	71	11	)	)	PUNCT
amfbr-128	71	12	and	and	CCONJ
amfbr-128	71	13	net	net	ADJ
amfbr-128	71	14	stable	stable	ADJ
amfbr-128	71	15	funding	funding	NOUN
amfbr-128	71	16	ratio	ratio	NOUN
amfbr-128	71	17	(	(	PUNCT
amfbr-128	71	18	nsfr	nsfr	ADJ
amfbr-128	71	19	)	)	PUNCT
amfbr-128	71	20	while	while	SCONJ
amfbr-128	71	21	financial	financial	ADJ
amfbr-128	71	22	performance	performance	NOUN
amfbr-128	71	23	by	by	ADP
amfbr-128	71	24	return	return	NOUN
amfbr-128	71	25	on	on	ADP
amfbr-128	71	26	equity	equity	NOUN
amfbr-128	71	27	(	(	PUNCT
amfbr-128	71	28	roe	roe	PROPN
amfbr-128	71	29	)	)	PUNCT
amfbr-128	71	30	.	.	PUNCT
amfbr-128	72	1	panel	panel	NOUN
amfbr-128	72	2	data	datum	NOUN
amfbr-128	72	3	techniques	technique	NOUN
amfbr-128	72	4	of	of	ADP
amfbr-128	72	5	random	random	ADJ
amfbr-128	72	6	effects	effect	NOUN
amfbr-128	72	7	estimation	estimation	NOUN
amfbr-128	72	8	was	be	AUX
amfbr-128	72	9	used	use	VERB
amfbr-128	72	10	for	for	ADP
amfbr-128	72	11	the	the	DET
amfbr-128	72	12	study	study	NOUN
amfbr-128	72	13	.	.	PUNCT
amfbr-128	73	1	findings	finding	NOUN
amfbr-128	73	2	indicate	indicate	VERB
amfbr-128	73	3	that	that	SCONJ
amfbr-128	73	4	nsfr	nsfr	ADJ
amfbr-128	73	5	is	be	AUX
amfbr-128	73	6	negatively	negatively	ADV
amfbr-128	73	7	associated	associate	VERB
amfbr-128	73	8	with	with	ADP
amfbr-128	73	9	bank	bank	NOUN
amfbr-128	73	10	profitability	profitability	NOUN
amfbr-128	73	11	both	both	CCONJ
amfbr-128	73	12	in	in	ADP
amfbr-128	73	13	long	long	ADJ
amfbr-128	73	14	run	run	NOUN
amfbr-128	73	15	and	and	CCONJ
amfbr-128	73	16	short	short	ADJ
amfbr-128	73	17	run	run	NOUN
amfbr-128	73	18	while	while	SCONJ
amfbr-128	73	19	lcr	lcr	NOUN
amfbr-128	73	20	does	do	AUX
amfbr-128	73	21	not	not	PART
amfbr-128	73	22	significantly	significantly	ADV
amfbr-128	73	23	influence	influence	VERB
amfbr-128	73	24	the	the	DET
amfbr-128	73	25	financial	financial	ADJ
amfbr-128	73	26	performance	performance	NOUN
amfbr-128	73	27	both	both	CCONJ
amfbr-128	73	28	in	in	ADP
amfbr-128	73	29	long	long	ADJ
amfbr-128	73	30	run	run	NOUN
amfbr-128	73	31	and	and	CCONJ
amfbr-128	73	32	short	short	ADJ
amfbr-128	73	33	run	run	NOUN
amfbr-128	73	34	.	.	PUNCT
amfbr-128	74	1	it	it	PRON
amfbr-128	74	2	is	be	AUX
amfbr-128	74	3	recommended	recommend	VERB
amfbr-128	74	4	that	that	SCONJ
amfbr-128	74	5	bank	bank	NOUN
amfbr-128	74	6	’s	’s	PART
amfbr-128	74	7	management	management	NOUN
amfbr-128	74	8	to	to	PART
amfbr-128	74	9	pay	pay	VERB
amfbr-128	74	10	the	the	DET
amfbr-128	74	11	required	require	VERB
amfbr-128	74	12	attention	attention	NOUN
amfbr-128	74	13	to	to	ADP
amfbr-128	74	14	the	the	DET
amfbr-128	74	15	liquidity	liquidity	NOUN
amfbr-128	74	16	management	management	NOUN
amfbr-128	74	17	.	.	PUNCT
amfbr-128	75	1	similarly	similarly	ADV
amfbr-128	75	2	,	,	PUNCT
amfbr-128	75	3	iqbal	iqbal	PROPN
amfbr-128	75	4	,	,	PUNCT
amfbr-128	75	5	chaudry	chaudry	ADJ
amfbr-128	75	6	,	,	PUNCT
amfbr-128	75	7	qbal	qbal	PROPN
amfbr-128	75	8	&	&	CCONJ
amfbr-128	75	9	zia	zia	PROPN
amfbr-128	75	10	ud	ud	AUX
amfbr-128	75	11	din	din	PROPN
amfbr-128	75	12	(	(	PUNCT
amfbr-128	75	13	2015	2015	NUM
amfbr-128	75	14	)	)	PUNCT
amfbr-128	75	15	examine	examine	VERB
amfbr-128	75	16	the	the	DET
amfbr-128	75	17	impact	impact	NOUN
amfbr-128	75	18	of	of	ADP
amfbr-128	75	19	liquidity	liquidity	NOUN
amfbr-128	75	20	risk	risk	NOUN
amfbr-128	75	21	on	on	ADP
amfbr-128	75	22	firm	firm	ADJ
amfbr-128	75	23	specific	specific	ADJ
amfbr-128	75	24	factors	factor	NOUN
amfbr-128	75	25	;	;	PUNCT
amfbr-128	75	26	a	a	DET
amfbr-128	75	27	case	case	NOUN
amfbr-128	75	28	of	of	ADP
amfbr-128	75	29	four	four	NUM
amfbr-128	75	30	(	(	PUNCT
amfbr-128	75	31	4	4	NUM
amfbr-128	75	32	)	)	PUNCT
amfbr-128	75	33	islamic	islamic	PROPN
amfbr-128	75	34	bank	bank	PROPN
amfbr-128	75	35	of	of	ADP
amfbr-128	75	36	pakistan	pakistan	PROPN
amfbr-128	75	37	for	for	ADP
amfbr-128	75	38	the	the	DET
amfbr-128	75	39	period	period	NOUN
amfbr-128	75	40	of	of	ADP
amfbr-128	75	41	2000	2000	NUM
amfbr-128	75	42	-	-	SYM
amfbr-128	75	43	2013	2013	NUM
amfbr-128	75	44	.	.	PUNCT
amfbr-128	76	1	their	their	PRON
amfbr-128	76	2	findings	finding	NOUN
amfbr-128	76	3	reveal	reveal	VERB
amfbr-128	76	4	that	that	SCONJ
amfbr-128	76	5	profitability	profitability	NOUN
amfbr-128	76	6	is	be	AUX
amfbr-128	76	7	negatively	negatively	ADV
amfbr-128	76	8	co	co	VERB
amfbr-128	76	9	integrated	integrate	VERB
amfbr-128	76	10	with	with	ADP
amfbr-128	76	11	liquidity	liquidity	NOUN
amfbr-128	76	12	risk	risk	NOUN
amfbr-128	76	13	,	,	PUNCT
amfbr-128	76	14	exist	exist	VERB
amfbr-128	76	15	strong	strong	ADJ
amfbr-128	76	16	positive	positive	ADJ
amfbr-128	76	17	significance	significance	NOUN
amfbr-128	76	18	of	of	ADP
amfbr-128	76	19	return	return	NOUN
amfbr-128	76	20	on	on	ADP
amfbr-128	76	21	assets	asset	NOUN
amfbr-128	76	22	on	on	ADP
amfbr-128	76	23	liquidity	liquidity	NOUN
amfbr-128	76	24	risk	risk	NOUN
amfbr-128	76	25	,	,	PUNCT
amfbr-128	76	26	leverage	leverage	NOUN
amfbr-128	76	27	is	be	AUX
amfbr-128	76	28	found	find	VERB
amfbr-128	76	29	to	to	PART
amfbr-128	76	30	be	be	AUX
amfbr-128	76	31	positively	positively	ADV
amfbr-128	76	32	correlated	correlate	VERB
amfbr-128	76	33	with	with	ADP
amfbr-128	76	34	liquidity	liquidity	NOUN
amfbr-128	76	35	risk	risk	NOUN
amfbr-128	76	36	and	and	CCONJ
amfbr-128	76	37	bank	bank	NOUN
amfbr-128	76	38	size	size	NOUN
amfbr-128	76	39	has	have	VERB
amfbr-128	76	40	positive	positive	ADJ
amfbr-128	76	41	impact	impact	NOUN
amfbr-128	76	42	on	on	ADP
amfbr-128	76	43	liquidity	liquidity	NOUN
amfbr-128	76	44	risk	risk	NOUN
amfbr-128	76	45	.	.	PUNCT
amfbr-128	77	1	the	the	DET
amfbr-128	77	2	findings	finding	NOUN
amfbr-128	77	3	of	of	ADP
amfbr-128	77	4	this	this	DET
amfbr-128	77	5	study	study	NOUN
amfbr-128	77	6	might	might	AUX
amfbr-128	77	7	not	not	PART
amfbr-128	77	8	be	be	AUX
amfbr-128	77	9	widely	widely	ADV
amfbr-128	77	10	accepted	accept	VERB
amfbr-128	77	11	since	since	SCONJ
amfbr-128	77	12	the	the	DET
amfbr-128	77	13	study	study	NOUN
amfbr-128	77	14	is	be	AUX
amfbr-128	77	15	centered	center	VERB
amfbr-128	77	16	on	on	ADP
amfbr-128	77	17	islamic	islamic	ADJ
amfbr-128	77	18	banks	bank	NOUN
amfbr-128	77	19	.	.	PUNCT
amfbr-128	78	1	otieno	otieno	PROPN
amfbr-128	78	2	&	&	CCONJ
amfbr-128	78	3	nyagol	nyagol	NOUN
amfbr-128	78	4	,	,	PUNCT
amfbr-128	78	5	(	(	PUNCT
amfbr-128	78	6	2016	2016	NUM
amfbr-128	78	7	)	)	PUNCT
amfbr-128	78	8	examine	examine	VERB
amfbr-128	78	9	the	the	DET
amfbr-128	78	10	relationship	relationship	NOUN
amfbr-128	78	11	between	between	ADP
amfbr-128	78	12	liquidity	liquidity	NOUN
amfbr-128	78	13	risk	risk	NOUN
amfbr-128	78	14	management	management	NOUN
amfbr-128	78	15	and	and	CCONJ
amfbr-128	78	16	financial	financial	ADJ
amfbr-128	78	17	performance	performance	NOUN
amfbr-128	78	18	of	of	ADP
amfbr-128	78	19	microfinance	microfinance	NOUN
amfbr-128	78	20	banks	bank	NOUN
amfbr-128	78	21	in	in	ADP
amfbr-128	78	22	kenya	kenya	PROPN
amfbr-128	78	23	.	.	PUNCT
amfbr-128	79	1	longitudinal	longitudinal	ADJ
amfbr-128	79	2	research	research	NOUN
amfbr-128	79	3	design	design	NOUN
amfbr-128	79	4	utilizing	utilize	VERB
amfbr-128	79	5	panel	panel	NOUN
amfbr-128	79	6	data	datum	NOUN
amfbr-128	79	7	covering	cover	VERB
amfbr-128	79	8	the	the	DET
amfbr-128	79	9	period	period	NOUN
amfbr-128	79	10	from	from	ADP
amfbr-128	79	11	2011	2011	NUM
amfbr-128	79	12	to	to	ADP
amfbr-128	79	13	2015	2015	NUM
amfbr-128	79	14	was	be	AUX
amfbr-128	79	15	used	use	VERB
amfbr-128	79	16	.	.	PUNCT
amfbr-128	80	1	the	the	DET
amfbr-128	80	2	findings	finding	NOUN
amfbr-128	80	3	were	be	AUX
amfbr-128	80	4	that	that	PRON
amfbr-128	80	5	liquidity	liquidity	NOUN
amfbr-128	80	6	risk	risk	NOUN
amfbr-128	80	7	management	management	NOUN
amfbr-128	80	8	with	with	ADP
amfbr-128	80	9	fgr	fgr	PROPN
amfbr-128	80	10	and	and	CCONJ
amfbr-128	80	11	car	car	NOUN
amfbr-128	80	12	parameters	parameter	NOUN
amfbr-128	80	13	had	have	VERB
amfbr-128	80	14	a	a	DET
amfbr-128	80	15	strong	strong	ADJ
amfbr-128	80	16	positive	positive	ADJ
amfbr-128	80	17	correlation	correlation	NOUN
amfbr-128	80	18	(	(	PUNCT
amfbr-128	80	19	r=0.45	r=0.45	NOUN
amfbr-128	80	20	)	)	PUNCT
amfbr-128	80	21	,	,	PUNCT
amfbr-128	80	22	giving	give	VERB
amfbr-128	80	23	a	a	DET
amfbr-128	80	24	significant	significant	ADJ
amfbr-128	80	25	negative	negative	ADJ
amfbr-128	80	26	relationship	relationship	NOUN
amfbr-128	80	27	with	with	ADP
amfbr-128	80	28	both	both	CCONJ
amfbr-128	80	29	roaa	roaa	VERB
amfbr-128	80	30	and	and	CCONJ
amfbr-128	80	31	roae	roae	NOUN
amfbr-128	80	32	performance	performance	NOUN
amfbr-128	80	33	measures	measure	NOUN
amfbr-128	80	34	as	as	SCONJ
amfbr-128	80	35	depicted	depict	VERB
amfbr-128	80	36	by	by	ADP
amfbr-128	80	37	regression	regression	NOUN
amfbr-128	80	38	coefficient	coefficient	NOUN
amfbr-128	80	39	of	of	ADP
amfbr-128	80	40	0.3	0.3	NUM
amfbr-128	80	41	estimated	estimate	VERB
amfbr-128	80	42	by	by	ADP
amfbr-128	80	43	gmm	gmm	PROPN
amfbr-128	80	44	.	.	PUNCT
amfbr-128	81	1	also	also	ADV
amfbr-128	81	2	,	,	PUNCT
amfbr-128	81	3	mehari	mehari	PROPN
amfbr-128	81	4	&	&	CCONJ
amfbr-128	81	5	aemiro	aemiro	PROPN
amfbr-128	81	6	,	,	PUNCT
amfbr-128	81	7	(	(	PUNCT
amfbr-128	81	8	2013	2013	NUM
amfbr-128	81	9	)	)	PUNCT
amfbr-128	81	10	conduct	conduct	VERB
amfbr-128	81	11	a	a	DET
amfbr-128	81	12	study	study	NOUN
amfbr-128	81	13	on	on	ADP
amfbr-128	81	14	firm	firm	ADJ
amfbr-128	81	15	specific	specific	ADJ
amfbr-128	81	16	factors	factor	NOUN
amfbr-128	81	17	that	that	PRON
amfbr-128	81	18	determine	determine	VERB
amfbr-128	81	19	insurance	insurance	NOUN
amfbr-128	81	20	companies	company	NOUN
amfbr-128	81	21	’	’	PART
amfbr-128	81	22	performance	performance	NOUN
amfbr-128	81	23	in	in	ADP
amfbr-128	81	24	ethiopia	ethiopia	PROPN
amfbr-128	81	25	.	.	PUNCT
amfbr-128	82	1	return	return	VERB
amfbr-128	82	2	on	on	ADP
amfbr-128	82	3	total	total	ADJ
amfbr-128	82	4	assets	asset	NOUN
amfbr-128	82	5	(	(	PUNCT
amfbr-128	82	6	roa	roa	NOUN
amfbr-128	82	7	)	)	PUNCT
amfbr-128	82	8	a	a	DET
amfbr-128	82	9	key	key	ADJ
amfbr-128	82	10	indicator	indicator	NOUN
amfbr-128	82	11	of	of	ADP
amfbr-128	82	12	insurance	insurance	NOUN
amfbr-128	82	13	company	company	NOUN
amfbr-128	82	14	's	's	PART
amfbr-128	82	15	performanceis	performanceis	NOUN
amfbr-128	82	16	used	use	VERB
amfbr-128	82	17	as	as	ADP
amfbr-128	82	18	dependent	dependent	ADJ
amfbr-128	82	19	variable	variable	NOUN
amfbr-128	82	20	while	while	SCONJ
amfbr-128	82	21	age	age	NOUN
amfbr-128	82	22	of	of	ADP
amfbr-128	82	23	company	company	NOUN
amfbr-128	82	24	,	,	PUNCT
amfbr-128	82	25	size	size	NOUN
amfbr-128	82	26	of	of	ADP
amfbr-128	82	27	the	the	DET
amfbr-128	82	28	company	company	NOUN
amfbr-128	82	29	,	,	PUNCT
amfbr-128	82	30	growth	growth	NOUN
amfbr-128	82	31	in	in	ADP
amfbr-128	82	32	writing	write	VERB
amfbr-128	82	33	premium	premium	NOUN
amfbr-128	82	34	,	,	PUNCT
amfbr-128	82	35	liquidity	liquidity	NOUN
amfbr-128	82	36	,	,	PUNCT
amfbr-128	82	37	leverage	leverage	NOUN
amfbr-128	82	38	and	and	CCONJ
amfbr-128	82	39	loss	loss	NOUN
amfbr-128	82	40	ratio	ratio	NOUN
amfbr-128	82	41	are	be	AUX
amfbr-128	82	42	independent	independent	ADJ
amfbr-128	82	43	variables	variable	NOUN
amfbr-128	82	44	.	.	PUNCT
amfbr-128	83	1	the	the	DET
amfbr-128	83	2	sample	sample	NOUN
amfbr-128	83	3	includes	include	VERB
amfbr-128	83	4	9	9	NUM
amfbr-128	83	5	insurance	insurance	NOUN
amfbr-128	83	6	companies	company	NOUN
amfbr-128	83	7	over	over	ADP
amfbr-128	83	8	the	the	DET
amfbr-128	83	9	period	period	NOUN
amfbr-128	83	10	20052010	20052010	NUM
amfbr-128	83	11	.	.	PUNCT
amfbr-128	84	1	the	the	DET
amfbr-128	84	2	results	result	NOUN
amfbr-128	84	3	of	of	ADP
amfbr-128	84	4	regression	regression	NOUN
amfbr-128	84	5	analysis	analysis	NOUN
amfbr-128	84	6	reveal	reveal	VERB
amfbr-128	84	7	loss	loss	NOUN
amfbr-128	84	8	ratio	ratio	NOUN
amfbr-128	84	9	(	(	PUNCT
amfbr-128	84	10	risk	risk	NOUN
amfbr-128	84	11	)	)	PUNCT
amfbr-128	84	12	is	be	AUX
amfbr-128	84	13	statistically	statistically	ADV
amfbr-128	84	14	significant	significant	ADJ
amfbr-128	84	15	and	and	CCONJ
amfbr-128	84	16	negatively	negatively	ADV
amfbr-128	84	17	related	relate	VERB
amfbr-128	84	18	with	with	ADP
amfbr-128	84	19	roa	roa	PROPN
amfbr-128	84	20	of	of	ADP
amfbr-128	84	21	insurance	insurance	NOUN
amfbr-128	84	22	companies	company	NOUN
amfbr-128	84	23	in	in	ADP
amfbr-128	84	24	ethiopia	ethiopia	PROPN
amfbr-128	84	25	.	.	PUNCT
amfbr-128	85	1	but	but	CCONJ
amfbr-128	85	2	,	,	PUNCT
amfbr-128	85	3	growth	growth	NOUN
amfbr-128	85	4	in	in	ADP
amfbr-128	85	5	writing	write	VERB
amfbr-128	85	6	premium	premium	NOUN
amfbr-128	85	7	,	,	PUNCT
amfbr-128	85	8	insurers	insurer	NOUN
amfbr-128	85	9	’	'	PUNCT
amfbr-128	85	10	age	age	NOUN
amfbr-128	85	11	and	and	CCONJ
amfbr-128	85	12	liquidity	liquidity	NOUN
amfbr-128	85	13	have	have	VERB
amfbr-128	85	14	statistically	statistically	ADV
amfbr-128	85	15	insignificant	insignificant	ADJ
amfbr-128	85	16	relationship	relationship	NOUN
amfbr-128	85	17	with	with	ADP
amfbr-128	85	18	roa	roa	PROPN
amfbr-128	85	19	.	.	PUNCT
amfbr-128	86	1	saeed	saeed	PROPN
amfbr-128	86	2	&	&	CCONJ
amfbr-128	86	3	khurram	khurram	PROPN
amfbr-128	86	4	,	,	PUNCT
amfbr-128	86	5	(	(	PUNCT
amfbr-128	86	6	2015	2015	NUM
amfbr-128	86	7	)	)	PUNCT
amfbr-128	86	8	examine	examine	VERB
amfbr-128	86	9	the	the	DET
amfbr-128	86	10	factors	factor	NOUN
amfbr-128	86	11	influencing	influence	VERB
amfbr-128	86	12	the	the	DET
amfbr-128	86	13	financial	financial	ADJ
amfbr-128	86	14	performance	performance	NOUN
amfbr-128	86	15	of	of	ADP
amfbr-128	86	16	24	24	NUM
amfbr-128	86	17	non	non	ADJ
amfbr-128	86	18	-	-	ADJ
amfbr-128	86	19	life	life	ADJ
amfbr-128	86	20	insurance	insurance	NOUN
amfbr-128	86	21	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-128	86	22	american	american	PROPN
amfbr-128	86	23	finance	finance	PROPN
amfbr-128	86	24	&	&	CCONJ
amfbr-128	86	25	banking	banking	PROPN
amfbr-128	86	26	review	review	PROPN
amfbr-128	86	27	vol	vol	NOUN
amfbr-128	86	28	.	.	PROPN
amfbr-128	87	1	2	2	NUM
amfbr-128	87	2	,	,	PUNCT
amfbr-128	87	3	no	no	INTJ
amfbr-128	87	4	.	.	NOUN
amfbr-128	87	5	1	1	NUM
amfbr-128	87	6	;	;	PUNCT
amfbr-128	87	7	2018	2018	NUM
amfbr-128	87	8	47	47	NUM
amfbr-128	87	9	companies	company	NOUN
amfbr-128	87	10	of	of	ADP
amfbr-128	87	11	pakistan	pakistan	PROPN
amfbr-128	87	12	over	over	ADP
amfbr-128	87	13	the	the	DET
amfbr-128	87	14	period	period	NOUN
amfbr-128	87	15	2005	2005	NUM
amfbr-128	87	16	2013	2013	NUM
amfbr-128	87	17	.	.	PUNCT
amfbr-128	88	1	fixed	fix	VERB
amfbr-128	88	2	effect	effect	NOUN
amfbr-128	88	3	model	model	NOUN
amfbr-128	88	4	of	of	ADP
amfbr-128	88	5	hausman	hausman	PROPN
amfbr-128	88	6	test	test	NOUN
amfbr-128	88	7	was	be	AUX
amfbr-128	88	8	employed	employ	VERB
amfbr-128	88	9	for	for	ADP
amfbr-128	88	10	the	the	DET
amfbr-128	88	11	study	study	NOUN
amfbr-128	88	12	.	.	PUNCT
amfbr-128	89	1	the	the	DET
amfbr-128	89	2	findings	finding	NOUN
amfbr-128	89	3	indicate	indicate	VERB
amfbr-128	89	4	that	that	SCONJ
amfbr-128	89	5	loss	loss	NOUN
amfbr-128	89	6	ratio	ratio	NOUN
amfbr-128	89	7	proves	prove	VERB
amfbr-128	89	8	significant	significant	ADJ
amfbr-128	89	9	in	in	ADP
amfbr-128	89	10	determining	determine	VERB
amfbr-128	89	11	performance	performance	NOUN
amfbr-128	89	12	.	.	PUNCT
amfbr-128	90	1	also	also	ADV
amfbr-128	90	2	,	,	PUNCT
amfbr-128	90	3	nikhik	nikhik	NOUN
amfbr-128	90	4	,	,	PUNCT
amfbr-128	90	5	kingshuk	kingshuk	NOUN
amfbr-128	90	6	,	,	PUNCT
amfbr-128	90	7	mihir	mihir	PROPN
amfbr-128	90	8	(	(	PUNCT
amfbr-128	90	9	2015	2015	NUM
amfbr-128	90	10	)	)	PUNCT
amfbr-128	90	11	conducted	conduct	VERB
amfbr-128	90	12	a	a	DET
amfbr-128	90	13	study	study	NOUN
amfbr-128	90	14	on	on	ADP
amfbr-128	90	15	firm	firm	ADJ
amfbr-128	90	16	specific	specific	ADJ
amfbr-128	90	17	factors	factor	NOUN
amfbr-128	90	18	affecting	affect	VERB
amfbr-128	90	19	the	the	DET
amfbr-128	90	20	overall	overall	ADJ
amfbr-128	90	21	financial	financial	ADJ
amfbr-128	90	22	performance	performance	NOUN
amfbr-128	90	23	of	of	ADP
amfbr-128	90	24	life	life	NOUN
amfbr-128	90	25	insurance	insurance	NOUN
amfbr-128	90	26	companies	company	NOUN
amfbr-128	90	27	in	in	ADP
amfbr-128	90	28	india	india	PROPN
amfbr-128	90	29	over	over	ADP
amfbr-128	90	30	the	the	DET
amfbr-128	90	31	period	period	NOUN
amfbr-128	90	32	of	of	ADP
amfbr-128	90	33	ten	ten	NUM
amfbr-128	90	34	(	(	PUNCT
amfbr-128	90	35	10	10	NUM
amfbr-128	90	36	)	)	PUNCT
amfbr-128	90	37	years	year	NOUN
amfbr-128	90	38	from	from	ADP
amfbr-128	90	39	2003	2003	NUM
amfbr-128	90	40	-	-	SYM
amfbr-128	90	41	04	04	NUM
amfbr-128	90	42	to	to	ADP
amfbr-128	90	43	2012	2012	NUM
amfbr-128	90	44	-	-	SYM
amfbr-128	90	45	13	13	NUM
amfbr-128	90	46	.	.	PUNCT
amfbr-128	91	1	the	the	DET
amfbr-128	91	2	analysis	analysis	NOUN
amfbr-128	91	3	shows	show	VERB
amfbr-128	91	4	that	that	SCONJ
amfbr-128	91	5	there	there	PRON
amfbr-128	91	6	is	be	VERB
amfbr-128	91	7	significant	significant	ADJ
amfbr-128	91	8	negative	negative	ADJ
amfbr-128	91	9	relationship	relationship	NOUN
amfbr-128	91	10	between	between	ADP
amfbr-128	91	11	leverage	leverage	NOUN
amfbr-128	91	12	and	and	CCONJ
amfbr-128	91	13	financial	financial	ADJ
amfbr-128	91	14	performance	performance	NOUN
amfbr-128	91	15	(	(	PUNCT
amfbr-128	91	16	roe	roe	NOUN
amfbr-128	91	17	)	)	PUNCT
amfbr-128	91	18	.	.	PUNCT
amfbr-128	92	1	also	also	ADV
amfbr-128	92	2	,	,	PUNCT
amfbr-128	92	3	kambi	kambi	PROPN
amfbr-128	92	4	&	&	CCONJ
amfbr-128	92	5	ali	ali	PROPN
amfbr-128	92	6	,	,	PUNCT
amfbr-128	92	7	(	(	PUNCT
amfbr-128	92	8	2016	2016	NUM
amfbr-128	92	9	)	)	PUNCT
amfbr-128	92	10	study	study	VERB
amfbr-128	92	11	the	the	DET
amfbr-128	92	12	effects	effect	NOUN
amfbr-128	92	13	of	of	ADP
amfbr-128	92	14	financial	financial	ADJ
amfbr-128	92	15	risk	risk	NOUN
amfbr-128	92	16	management	management	NOUN
amfbr-128	92	17	practices	practice	NOUN
amfbr-128	92	18	on	on	ADP
amfbr-128	92	19	the	the	DET
amfbr-128	92	20	financial	financial	ADJ
amfbr-128	92	21	performance	performance	NOUN
amfbr-128	92	22	of	of	ADP
amfbr-128	92	23	44	44	NUM
amfbr-128	92	24	listed	list	VERB
amfbr-128	92	25	banks	bank	NOUN
amfbr-128	92	26	at	at	ADP
amfbr-128	92	27	the	the	DET
amfbr-128	92	28	nairobi	nairobi	PROPN
amfbr-128	92	29	securities	securities	PROPN
amfbr-128	92	30	exchange	exchange	PROPN
amfbr-128	92	31	.	.	PUNCT
amfbr-128	93	1	secondary	secondary	ADJ
amfbr-128	93	2	data	datum	NOUN
amfbr-128	93	3	was	be	AUX
amfbr-128	93	4	used	use	VERB
amfbr-128	93	5	and	and	CCONJ
amfbr-128	93	6	census	census	NOUN
amfbr-128	93	7	approach	approach	NOUN
amfbr-128	93	8	was	be	AUX
amfbr-128	93	9	used	use	VERB
amfbr-128	93	10	since	since	SCONJ
amfbr-128	93	11	the	the	DET
amfbr-128	93	12	target	target	NOUN
amfbr-128	93	13	population	population	NOUN
amfbr-128	93	14	is	be	AUX
amfbr-128	93	15	small	small	ADJ
amfbr-128	93	16	.	.	PUNCT
amfbr-128	94	1	the	the	DET
amfbr-128	94	2	study	study	NOUN
amfbr-128	94	3	recommends	recommend	VERB
amfbr-128	94	4	that	that	SCONJ
amfbr-128	94	5	there	there	PRON
amfbr-128	94	6	is	be	VERB
amfbr-128	94	7	need	need	NOUN
amfbr-128	94	8	for	for	SCONJ
amfbr-128	94	9	the	the	DET
amfbr-128	94	10	management	management	NOUN
amfbr-128	94	11	to	to	PART
amfbr-128	94	12	maintain	maintain	VERB
amfbr-128	94	13	the	the	DET
amfbr-128	94	14	liquidity	liquidity	NOUN
amfbr-128	94	15	level	level	NOUN
amfbr-128	94	16	at	at	ADP
amfbr-128	94	17	safe	safe	ADJ
amfbr-128	94	18	level	level	NOUN
amfbr-128	94	19	and	and	CCONJ
amfbr-128	94	20	training	training	NOUN
amfbr-128	94	21	could	could	AUX
amfbr-128	94	22	be	be	AUX
amfbr-128	94	23	organized	organize	VERB
amfbr-128	94	24	for	for	ADP
amfbr-128	94	25	staff	staff	NOUN
amfbr-128	94	26	so	so	SCONJ
amfbr-128	94	27	that	that	SCONJ
amfbr-128	94	28	they	they	PRON
amfbr-128	94	29	learn	learn	VERB
amfbr-128	94	30	more	more	ADJ
amfbr-128	94	31	about	about	ADP
amfbr-128	94	32	the	the	DET
amfbr-128	94	33	concept	concept	NOUN
amfbr-128	94	34	of	of	ADP
amfbr-128	94	35	financial	financial	ADJ
amfbr-128	94	36	risk	risk	NOUN
amfbr-128	94	37	management	management	NOUN
amfbr-128	94	38	on	on	ADP
amfbr-128	94	39	financial	financial	ADJ
amfbr-128	94	40	performance	performance	NOUN
amfbr-128	94	41	.	.	PUNCT
amfbr-128	95	1	cucinelli	cucinelli	PROPN
amfbr-128	95	2	,	,	PUNCT
amfbr-128	95	3	(	(	PUNCT
amfbr-128	95	4	2013	2013	NUM
amfbr-128	95	5	)	)	PUNCT
amfbr-128	95	6	conduct	conduct	VERB
amfbr-128	95	7	a	a	DET
amfbr-128	95	8	study	study	NOUN
amfbr-128	95	9	on	on	ADP
amfbr-128	95	10	the	the	DET
amfbr-128	95	11	relationship	relationship	NOUN
amfbr-128	95	12	between	between	ADP
amfbr-128	95	13	liquidity	liquidity	NOUN
amfbr-128	95	14	risk	risk	NOUN
amfbr-128	95	15	and	and	CCONJ
amfbr-128	95	16	probability	probability	NOUN
amfbr-128	95	17	of	of	ADP
amfbr-128	95	18	default	default	NOUN
amfbr-128	95	19	:	:	PUNCT
amfbr-128	95	20	evidence	evidence	NOUN
amfbr-128	95	21	from	from	ADP
amfbr-128	95	22	the	the	DET
amfbr-128	95	23	euro	euro	PROPN
amfbr-128	95	24	area	area	NOUN
amfbr-128	95	25	.	.	PUNCT
amfbr-128	96	1	the	the	DET
amfbr-128	96	2	sample	sample	NOUN
amfbr-128	96	3	is	be	AUX
amfbr-128	96	4	composed	compose	VERB
amfbr-128	96	5	of	of	ADP
amfbr-128	96	6	575	575	NUM
amfbr-128	96	7	listed	list	VERB
amfbr-128	96	8	and	and	CCONJ
amfbr-128	96	9	non	non	ADJ
amfbr-128	96	10	-	-	ADJ
amfbr-128	96	11	listed	listed	ADJ
amfbr-128	96	12	eurozone	eurozone	NOUN
amfbr-128	96	13	banks	bank	NOUN
amfbr-128	96	14	and	and	CCONJ
amfbr-128	96	15	the	the	DET
amfbr-128	96	16	methodology	methodology	NOUN
amfbr-128	96	17	applied	apply	VERB
amfbr-128	96	18	in	in	ADP
amfbr-128	96	19	the	the	DET
amfbr-128	96	20	analysis	analysis	NOUN
amfbr-128	96	21	is	be	AUX
amfbr-128	96	22	ols	ol	NOUN
amfbr-128	96	23	regression	regression	NOUN
amfbr-128	96	24	based	base	VERB
amfbr-128	96	25	on	on	ADP
amfbr-128	96	26	panel	panel	NOUN
amfbr-128	96	27	data	datum	NOUN
amfbr-128	96	28	.	.	PUNCT
amfbr-128	97	1	the	the	DET
amfbr-128	97	2	results	result	NOUN
amfbr-128	97	3	show	show	VERB
amfbr-128	97	4	a	a	DET
amfbr-128	97	5	relationship	relationship	NOUN
amfbr-128	97	6	only	only	ADV
amfbr-128	97	7	between	between	ADP
amfbr-128	97	8	the	the	DET
amfbr-128	97	9	liquidity	liquidity	NOUN
amfbr-128	97	10	coverage	coverage	NOUN
amfbr-128	97	11	ratio	ratio	NOUN
amfbr-128	97	12	and	and	CCONJ
amfbr-128	97	13	credit	credit	NOUN
amfbr-128	97	14	rating	rating	NOUN
amfbr-128	97	15	,	,	PUNCT
amfbr-128	97	16	while	while	SCONJ
amfbr-128	97	17	there	there	PRON
amfbr-128	97	18	is	be	VERB
amfbr-128	97	19	no	no	DET
amfbr-128	97	20	relationship	relationship	NOUN
amfbr-128	97	21	between	between	ADP
amfbr-128	97	22	the	the	DET
amfbr-128	97	23	longterm	longterm	PROPN
amfbr-128	97	24	liquidity	liquidity	NOUN
amfbr-128	97	25	measure	measure	NOUN
amfbr-128	97	26	and	and	CCONJ
amfbr-128	97	27	probability	probability	NOUN
amfbr-128	97	28	of	of	ADP
amfbr-128	97	29	default	default	NOUN
amfbr-128	97	30	.	.	PUNCT
amfbr-128	98	1	similarly	similarly	ADV
amfbr-128	98	2	,	,	PUNCT
amfbr-128	98	3	hossein	hossein	PROPN
amfbr-128	98	4	,	,	PUNCT
amfbr-128	98	5	dezfouli	dezfouli	PROPN
amfbr-128	98	6	,	,	PUNCT
amfbr-128	98	7	hasanzadeh	hasanzadeh	NOUN
amfbr-128	98	8	,	,	PUNCT
amfbr-128	98	9	&	&	CCONJ
amfbr-128	98	10	shahchera	shahchera	NOUN
amfbr-128	98	11	,	,	PUNCT
amfbr-128	98	12	(	(	PUNCT
amfbr-128	98	13	2014	2014	NUM
amfbr-128	98	14	)	)	PUNCT
amfbr-128	98	15	inspect	inspect	VERB
amfbr-128	98	16	the	the	DET
amfbr-128	98	17	effectiveness	effectiveness	NOUN
amfbr-128	98	18	of	of	ADP
amfbr-128	98	19	liquidity	liquidity	NOUN
amfbr-128	98	20	risk	risk	NOUN
amfbr-128	98	21	on	on	ADP
amfbr-128	98	22	banks	bank	NOUN
amfbr-128	98	23	profitability	profitability	NOUN
amfbr-128	98	24	in	in	ADP
amfbr-128	98	25	iran	iran	PROPN
amfbr-128	98	26	.	.	PUNCT
amfbr-128	99	1	using	use	VERB
amfbr-128	99	2	a	a	DET
amfbr-128	99	3	four	four	NUM
amfbr-128	99	4	-	-	PUNCT
amfbr-128	99	5	step	step	NOUN
amfbr-128	99	6	econometric	econometric	ADJ
amfbr-128	99	7	model	model	NOUN
amfbr-128	99	8	and	and	CCONJ
amfbr-128	99	9	gmm	gmm	PROPN
amfbr-128	99	10	linear	linear	PROPN
amfbr-128	99	11	forecasting	forecasting	NOUN
amfbr-128	99	12	model	model	NOUN
amfbr-128	99	13	,	,	PUNCT
amfbr-128	99	14	it	it	PRON
amfbr-128	99	15	was	be	AUX
amfbr-128	99	16	concluded	conclude	VERB
amfbr-128	99	17	that	that	SCONJ
amfbr-128	99	18	there	there	PRON
amfbr-128	99	19	is	be	VERB
amfbr-128	99	20	a	a	DET
amfbr-128	99	21	significant	significant	ADJ
amfbr-128	99	22	relation	relation	NOUN
amfbr-128	99	23	between	between	ADP
amfbr-128	99	24	mentioned	mention	VERB
amfbr-128	99	25	factors	factor	NOUN
amfbr-128	99	26	(	(	PUNCT
amfbr-128	99	27	npl	npl	X
amfbr-128	99	28	(	(	PUNCT
amfbr-128	99	29	dependent	dependent	ADJ
amfbr-128	99	30	variablesnon	variablesnon	NOUN
amfbr-128	99	31	-	-	PUNCT
amfbr-128	99	32	performing	perform	VERB
amfbr-128	99	33	loans	loan	NOUN
amfbr-128	99	34	ratios	ratio	NOUN
amfbr-128	99	35	,	,	PUNCT
amfbr-128	99	36	liquidity	liquidity	NOUN
amfbr-128	99	37	ratios	ratio	NOUN
amfbr-128	99	38	,	,	PUNCT
amfbr-128	99	39	liquidity	liquidity	NOUN
amfbr-128	99	40	gap	gap	NOUN
amfbr-128	99	41	ratio	ratio	NOUN
amfbr-128	99	42	,	,	PUNCT
amfbr-128	99	43	capital	capital	NOUN
amfbr-128	99	44	ratio	ratio	NOUN
amfbr-128	99	45	,	,	PUNCT
amfbr-128	99	46	and	and	CCONJ
amfbr-128	99	47	bank	bank	NOUN
amfbr-128	99	48	size	size	NOUN
amfbr-128	99	49	)	)	PUNCT
amfbr-128	99	50	and	and	CCONJ
amfbr-128	99	51	the	the	DET
amfbr-128	99	52	profitability	profitability	NOUN
amfbr-128	99	53	ones	one	NOUN
amfbr-128	99	54	(	(	PUNCT
amfbr-128	99	55	independent	independent	ADJ
amfbr-128	99	56	variablesroe	variablesroe	NOUN
amfbr-128	99	57	and	and	CCONJ
amfbr-128	99	58	roa	roa	PROPN
amfbr-128	99	59	)	)	PUNCT
amfbr-128	99	60	.	.	PUNCT
amfbr-128	100	1	furthermore	furthermore	ADV
amfbr-128	100	2	,	,	PUNCT
amfbr-128	100	3	ail	ail	ADV
amfbr-128	100	4	,	,	PUNCT
amfbr-128	100	5	tabari	tabari	PROPN
amfbr-128	100	6	,	,	PUNCT
amfbr-128	100	7	ahmadi	ahmadi	PROPN
amfbr-128	100	8	,	,	PUNCT
amfbr-128	100	9	&	&	CCONJ
amfbr-128	100	10	emami	emami	PROPN
amfbr-128	100	11	,	,	PUNCT
amfbr-128	100	12	(	(	PUNCT
amfbr-128	100	13	2013	2013	NUM
amfbr-128	100	14	)	)	PUNCT
amfbr-128	100	15	examine	examine	VERB
amfbr-128	100	16	the	the	DET
amfbr-128	100	17	effect	effect	NOUN
amfbr-128	100	18	of	of	ADP
amfbr-128	100	19	liquidity	liquidity	NOUN
amfbr-128	100	20	risk	risk	NOUN
amfbr-128	100	21	on	on	ADP
amfbr-128	100	22	the	the	DET
amfbr-128	100	23	performance	performance	NOUN
amfbr-128	100	24	of	of	ADP
amfbr-128	100	25	commercial	commercial	ADJ
amfbr-128	100	26	banks	bank	NOUN
amfbr-128	100	27	using	use	VERB
amfbr-128	100	28	of	of	ADP
amfbr-128	100	29	panel	panel	NOUN
amfbr-128	100	30	data	datum	NOUN
amfbr-128	100	31	related	relate	VERB
amfbr-128	100	32	to	to	ADP
amfbr-128	100	33	commercial	commercial	ADJ
amfbr-128	100	34	banks	bank	NOUN
amfbr-128	100	35	of	of	ADP
amfbr-128	100	36	iran	iran	PROPN
amfbr-128	100	37	during	during	ADP
amfbr-128	100	38	the	the	DET
amfbr-128	100	39	years	year	NOUN
amfbr-128	100	40	2003	2003	NUM
amfbr-128	100	41	to	to	ADP
amfbr-128	100	42	2010	2010	NUM
amfbr-128	100	43	.	.	PUNCT
amfbr-128	101	1	in	in	ADP
amfbr-128	101	2	the	the	DET
amfbr-128	101	3	estimated	estimate	VERB
amfbr-128	101	4	research	research	NOUN
amfbr-128	101	5	model	model	NOUN
amfbr-128	101	6	,	,	PUNCT
amfbr-128	101	7	two	two	NUM
amfbr-128	101	8	groups	group	NOUN
amfbr-128	101	9	of	of	ADP
amfbr-128	101	10	bank	bank	NOUN
amfbr-128	101	11	-	-	PUNCT
amfbr-128	101	12	specific	specific	ADJ
amfbr-128	101	13	variables	variable	NOUN
amfbr-128	101	14	and	and	CCONJ
amfbr-128	101	15	macroeconomic	macroeconomic	ADJ
amfbr-128	101	16	variables	variable	NOUN
amfbr-128	101	17	are	be	AUX
amfbr-128	101	18	used	use	VERB
amfbr-128	101	19	.	.	PUNCT
amfbr-128	102	1	the	the	DET
amfbr-128	102	2	results	result	NOUN
amfbr-128	102	3	of	of	ADP
amfbr-128	102	4	research	research	NOUN
amfbr-128	102	5	show	show	VERB
amfbr-128	102	6	that	that	SCONJ
amfbr-128	102	7	the	the	DET
amfbr-128	102	8	variables	variable	NOUN
amfbr-128	102	9	of	of	ADP
amfbr-128	102	10	bank	bank	NOUN
amfbr-128	102	11	's	's	PART
amfbr-128	102	12	size	size	NOUN
amfbr-128	102	13	,	,	PUNCT
amfbr-128	102	14	bank	bank	NOUN
amfbr-128	102	15	's	's	PART
amfbr-128	102	16	asset	asset	NOUN
amfbr-128	102	17	,	,	PUNCT
amfbr-128	102	18	gross	gross	ADJ
amfbr-128	102	19	domestic	domestic	ADJ
amfbr-128	102	20	product	product	NOUN
amfbr-128	102	21	and	and	CCONJ
amfbr-128	102	22	inflation	inflation	NOUN
amfbr-128	102	23	will	will	AUX
amfbr-128	102	24	cause	cause	VERB
amfbr-128	102	25	to	to	PART
amfbr-128	102	26	improve	improve	VERB
amfbr-128	102	27	the	the	DET
amfbr-128	102	28	performance	performance	NOUN
amfbr-128	102	29	of	of	ADP
amfbr-128	102	30	banks	bank	NOUN
amfbr-128	102	31	while	while	SCONJ
amfbr-128	102	32	credit	credit	NOUN
amfbr-128	102	33	risk	risk	NOUN
amfbr-128	102	34	and	and	CCONJ
amfbr-128	102	35	liquidity	liquidity	NOUN
amfbr-128	102	36	risk	risk	NOUN
amfbr-128	102	37	will	will	AUX
amfbr-128	102	38	cause	cause	VERB
amfbr-128	102	39	to	to	PART
amfbr-128	102	40	weaken	weaken	VERB
amfbr-128	102	41	the	the	DET
amfbr-128	102	42	performance	performance	NOUN
amfbr-128	102	43	of	of	ADP
amfbr-128	102	44	bank	bank	NOUN
amfbr-128	102	45	.	.	PUNCT
amfbr-128	103	1	2.3	2.3	NUM
amfbr-128	103	2	theoretical	theoretical	ADJ
amfbr-128	103	3	framework	framework	NOUN
amfbr-128	103	4	of	of	ADP
amfbr-128	103	5	the	the	DET
amfbr-128	103	6	study	study	NOUN
amfbr-128	103	7	there	there	PRON
amfbr-128	103	8	are	be	VERB
amfbr-128	103	9	two	two	NUM
amfbr-128	103	10	theory	theory	NOUN
amfbr-128	103	11	that	that	SCONJ
amfbr-128	103	12	accord	accord	NOUN
amfbr-128	103	13	these	these	DET
amfbr-128	103	14	study	study	NOUN
amfbr-128	103	15	;	;	PUNCT
amfbr-128	103	16	risk	risk	NOUN
amfbr-128	103	17	return	return	NOUN
amfbr-128	103	18	theory	theory	NOUN
amfbr-128	103	19	and	and	CCONJ
amfbr-128	103	20	extreme	extreme	ADJ
amfbr-128	103	21	value	value	NOUN
amfbr-128	103	22	theory	theory	NOUN
amfbr-128	103	23	.	.	PUNCT
amfbr-128	104	1	markowitz	markowitz	PROPN
amfbr-128	104	2	(	(	PUNCT
amfbr-128	104	3	1952	1952	NUM
amfbr-128	104	4	)	)	PUNCT
amfbr-128	104	5	is	be	AUX
amfbr-128	104	6	the	the	DET
amfbr-128	104	7	pioneer	pioneer	NOUN
amfbr-128	104	8	scholar	scholar	NOUN
amfbr-128	104	9	that	that	PRON
amfbr-128	104	10	propounded	propound	VERB
amfbr-128	104	11	the	the	DET
amfbr-128	104	12	risk	risk	NOUN
amfbr-128	104	13	return	return	NOUN
amfbr-128	104	14	theory	theory	NOUN
amfbr-128	104	15	.the	.the	DET
amfbr-128	104	16	theory	theory	NOUN
amfbr-128	104	17	that	that	PRON
amfbr-128	104	18	underpins	underpin	VERB
amfbr-128	104	19	this	this	DET
amfbr-128	104	20	study	study	NOUN
amfbr-128	104	21	is	be	AUX
amfbr-128	104	22	risk	risk	NOUN
amfbr-128	104	23	-	-	PUNCT
amfbr-128	104	24	return	return	NOUN
amfbr-128	104	25	theory	theory	NOUN
amfbr-128	104	26	;	;	PUNCT
amfbr-128	104	27	this	this	PRON
amfbr-128	104	28	is	be	AUX
amfbr-128	104	29	because	because	SCONJ
amfbr-128	104	30	insurance	insurance	NOUN
amfbr-128	104	31	companies	company	NOUN
amfbr-128	104	32	is	be	AUX
amfbr-128	104	33	both	both	CCONJ
amfbr-128	104	34	a	a	DET
amfbr-128	104	35	risk	risk	NOUN
amfbr-128	104	36	-	-	PUNCT
amfbr-128	104	37	taking	taking	NOUN
amfbr-128	104	38	and	and	CCONJ
amfbr-128	104	39	profit	profit	NOUN
amfbr-128	104	40	making	making	NOUN
amfbr-128	104	41	business	business	NOUN
amfbr-128	104	42	,	,	PUNCT
amfbr-128	104	43	and	and	CCONJ
amfbr-128	104	44	insurance	insurance	NOUN
amfbr-128	104	45	firms	firm	NOUN
amfbr-128	104	46	activities	activity	NOUN
amfbr-128	104	47	should	should	AUX
amfbr-128	104	48	return	return	VERB
amfbr-128	104	49	profits	profit	NOUN
amfbr-128	104	50	commensurate	commensurate	ADJ
amfbr-128	104	51	with	with	ADP
amfbr-128	104	52	their	their	PRON
amfbr-128	104	53	risk	risk	NOUN
amfbr-128	104	54	.	.	PUNCT
amfbr-128	105	1	the	the	PRON
amfbr-128	105	2	higher	high	ADJ
amfbr-128	105	3	the	the	DET
amfbr-128	105	4	risk	risk	NOUN
amfbr-128	105	5	,	,	PUNCT
amfbr-128	105	6	the	the	DET
amfbr-128	105	7	higher	high	ADJ
amfbr-128	105	8	will	will	AUX
amfbr-128	105	9	be	be	AUX
amfbr-128	105	10	the	the	DET
amfbr-128	105	11	financial	financial	ADJ
amfbr-128	105	12	performance	performance	NOUN
amfbr-128	105	13	and	and	CCONJ
amfbr-128	105	14	vice	vice	NOUN
amfbr-128	105	15	versa	versa	ADV
amfbr-128	105	16	.	.	PUNCT
amfbr-128	106	1	this	this	DET
amfbr-128	106	2	postulation	postulation	NOUN
amfbr-128	106	3	is	be	AUX
amfbr-128	106	4	true	true	ADJ
amfbr-128	106	5	when	when	SCONJ
amfbr-128	106	6	the	the	DET
amfbr-128	106	7	insurance	insurance	NOUN
amfbr-128	106	8	firm	firm	NOUN
amfbr-128	106	9	risk	risk	NOUN
amfbr-128	106	10	appetite	appetite	NOUN
amfbr-128	106	11	is	be	AUX
amfbr-128	106	12	lower	low	ADJ
amfbr-128	106	13	than	than	ADP
amfbr-128	106	14	the	the	DET
amfbr-128	106	15	risk	risk	NOUN
amfbr-128	106	16	tolerance	tolerance	NOUN
amfbr-128	106	17	.	.	PUNCT
amfbr-128	107	1	extreme	extreme	ADJ
amfbr-128	107	2	value	value	NOUN
amfbr-128	107	3	theory	theory	NOUN
amfbr-128	107	4	which	which	PRON
amfbr-128	107	5	was	be	AUX
amfbr-128	107	6	pioneered	pioneer	VERB
amfbr-128	107	7	by	by	ADP
amfbr-128	107	8	leonard	leonard	PROPN
amfbr-128	107	9	tippet	tippet	VERB
amfbr-128	107	10	in	in	ADP
amfbr-128	107	11	the	the	DET
amfbr-128	107	12	1950	1950	NUM
amfbr-128	107	13	’s	’s	NOUN
amfbr-128	107	14	.	.	PUNCT
amfbr-128	107	15	is	be	AUX
amfbr-128	107	16	a	a	DET
amfbr-128	107	17	practical	practical	ADJ
amfbr-128	107	18	and	and	CCONJ
amfbr-128	107	19	useful	useful	ADJ
amfbr-128	107	20	tool	tool	NOUN
amfbr-128	107	21	for	for	ADP
amfbr-128	107	22	modeling	modeling	NOUN
amfbr-128	107	23	and	and	CCONJ
amfbr-128	107	24	quantifying	quantify	VERB
amfbr-128	107	25	risk	risk	NOUN
amfbr-128	107	26	.	.	PUNCT
amfbr-128	108	1	it	it	PRON
amfbr-128	108	2	is	be	AUX
amfbr-128	108	3	the	the	DET
amfbr-128	108	4	theory	theory	NOUN
amfbr-128	108	5	of	of	ADP
amfbr-128	108	6	modeling	modeling	NOUN
amfbr-128	108	7	and	and	CCONJ
amfbr-128	108	8	measuring	measure	VERB
amfbr-128	108	9	events	event	NOUN
amfbr-128	108	10	which	which	PRON
amfbr-128	108	11	occur	occur	VERB
amfbr-128	108	12	with	with	ADP
amfbr-128	108	13	very	very	ADV
amfbr-128	108	14	small	small	ADJ
amfbr-128	108	15	probability	probability	NOUN
amfbr-128	108	16	.	.	PUNCT
amfbr-128	109	1	this	this	PRON
amfbr-128	109	2	implies	imply	VERB
amfbr-128	109	3	its	its	PRON
amfbr-128	109	4	usefulness	usefulness	NOUN
amfbr-128	109	5	in	in	ADP
amfbr-128	109	6	risk	risk	NOUN
amfbr-128	109	7	modeling	modeling	NOUN
amfbr-128	109	8	as	as	ADP
amfbr-128	109	9	risky	risky	ADJ
amfbr-128	109	10	events	event	NOUN
amfbr-128	109	11	per	per	ADP
amfbr-128	109	12	definition	definition	NOUN
amfbr-128	109	13	happen	happen	VERB
amfbr-128	109	14	with	with	ADP
amfbr-128	109	15	low	low	ADJ
amfbr-128	109	16	probability	probability	NOUN
amfbr-128	109	17	.	.	PUNCT
amfbr-128	110	1	this	this	DET
amfbr-128	110	2	theory	theory	NOUN
amfbr-128	110	3	shows	show	VERB
amfbr-128	110	4	that	that	SCONJ
amfbr-128	110	5	the	the	DET
amfbr-128	110	6	probability	probability	NOUN
amfbr-128	110	7	on	on	ADP
amfbr-128	110	8	very	very	ADV
amfbr-128	110	9	large	large	ADJ
amfbr-128	110	10	losses	loss	NOUN
amfbr-128	110	11	is	be	AUX
amfbr-128	110	12	eventually	eventually	ADV
amfbr-128	110	13	governed	govern	VERB
amfbr-128	110	14	by	by	ADP
amfbr-128	110	15	a	a	DET
amfbr-128	110	16	simple	simple	ADJ
amfbr-128	110	17	function	function	NOUN
amfbr-128	110	18	,	,	PUNCT
amfbr-128	110	19	regardless	regardless	ADV
amfbr-128	110	20	the	the	DET
amfbr-128	110	21	specific	specific	ADJ
amfbr-128	110	22	distribution	distribution	NOUN
amfbr-128	110	23	that	that	PRON
amfbr-128	110	24	underlies	underlie	VERB
amfbr-128	110	25	the	the	DET
amfbr-128	110	26	return	return	NOUN
amfbr-128	110	27	process	process	NOUN
amfbr-128	110	28	.	.	PUNCT
amfbr-128	110	29	.	.	PUNCT
amfbr-128	111	1	3	3	X
amfbr-128	111	2	.	.	X
amfbr-128	111	3	research	research	NOUN
amfbr-128	111	4	methodology	methodology	NOUN
amfbr-128	111	5	this	this	DET
amfbr-128	111	6	study	study	NOUN
amfbr-128	111	7	adopts	adopt	VERB
amfbr-128	111	8	the	the	DET
amfbr-128	111	9	correlation	correlation	NOUN
amfbr-128	111	10	research	research	NOUN
amfbr-128	111	11	design	design	NOUN
amfbr-128	111	12	.	.	PUNCT
amfbr-128	112	1	the	the	DET
amfbr-128	112	2	data	datum	NOUN
amfbr-128	112	3	were	be	AUX
amfbr-128	112	4	obtained	obtain	VERB
amfbr-128	112	5	from	from	ADP
amfbr-128	112	6	secondary	secondary	ADJ
amfbr-128	112	7	sources	source	NOUN
amfbr-128	112	8	through	through	ADP
amfbr-128	112	9	the	the	DET
amfbr-128	112	10	firm	firm	NOUN
amfbr-128	112	11	’s	’s	PART
amfbr-128	112	12	audited	audit	VERB
amfbr-128	112	13	annual	annual	ADJ
amfbr-128	112	14	reports	report	NOUN
amfbr-128	112	15	.	.	PUNCT
amfbr-128	113	1	the	the	DET
amfbr-128	113	2	population	population	NOUN
amfbr-128	113	3	of	of	ADP
amfbr-128	113	4	the	the	DET
amfbr-128	113	5	study	study	NOUN
amfbr-128	113	6	consists	consist	VERB
amfbr-128	113	7	of	of	ADP
amfbr-128	113	8	the	the	DET
amfbr-128	113	9	twenty	twenty	NUM
amfbr-128	113	10	five	five	NUM
amfbr-128	113	11	(	(	PUNCT
amfbr-128	113	12	25	25	NUM
amfbr-128	113	13	)	)	PUNCT
amfbr-128	113	14	listed	list	VERB
amfbr-128	113	15	insurance	insurance	NOUN
amfbr-128	113	16	companies	company	NOUN
amfbr-128	113	17	in	in	ADP
amfbr-128	113	18	nigeria	nigeria	PROPN
amfbr-128	113	19	as	as	ADP
amfbr-128	113	20	at	at	ADP
amfbr-128	113	21	31st	31st	NOUN
amfbr-128	113	22	december	december	PROPN
amfbr-128	113	23	2016	2016	NUM
amfbr-128	113	24	(	(	PUNCT
amfbr-128	113	25	nse	nse	NOUN
amfbr-128	113	26	,	,	PUNCT
amfbr-128	113	27	2016	2016	NUM
amfbr-128	113	28	)	)	PUNCT
amfbr-128	113	29	.	.	PUNCT
amfbr-128	114	1	the	the	DET
amfbr-128	114	2	sample	sample	NOUN
amfbr-128	114	3	size	size	NOUN
amfbr-128	114	4	is	be	AUX
amfbr-128	114	5	twelve	twelve	NUM
amfbr-128	114	6	(	(	PUNCT
amfbr-128	114	7	12	12	NUM
amfbr-128	114	8	)	)	PUNCT
amfbr-128	114	9	over	over	ADP
amfbr-128	114	10	the	the	DET
amfbr-128	114	11	period	period	NOUN
amfbr-128	114	12	2011	2011	NUM
amfbr-128	114	13	to	to	ADP
amfbr-128	114	14	2015	2015	NUM
amfbr-128	114	15	.	.	PUNCT
amfbr-128	115	1	this	this	DET
amfbr-128	115	2	study	study	NOUN
amfbr-128	115	3	relied	rely	VERB
amfbr-128	115	4	on	on	ADP
amfbr-128	115	5	the	the	DET
amfbr-128	115	6	use	use	NOUN
amfbr-128	115	7	of	of	ADP
amfbr-128	115	8	judgemental	judgemental	ADJ
amfbr-128	115	9	sampling	sampling	NOUN
amfbr-128	115	10	techniques	technique	NOUN
amfbr-128	115	11	which	which	PRON
amfbr-128	115	12	is	be	AUX
amfbr-128	115	13	based	base	VERB
amfbr-128	115	14	on	on	ADP
amfbr-128	115	15	the	the	DET
amfbr-128	115	16	availability	availability	NOUN
amfbr-128	115	17	and	and	CCONJ
amfbr-128	115	18	accessibility	accessibility	NOUN
amfbr-128	115	19	of	of	ADP
amfbr-128	115	20	data	datum	NOUN
amfbr-128	115	21	.	.	PUNCT
amfbr-128	116	1	multiple	multiple	ADJ
amfbr-128	116	2	regression	regression	NOUN
amfbr-128	116	3	techniques	technique	NOUN
amfbr-128	116	4	were	be	AUX
amfbr-128	116	5	used	use	VERB
amfbr-128	116	6	for	for	ADP
amfbr-128	116	7	the	the	DET
amfbr-128	116	8	analysis	analysis	NOUN
amfbr-128	116	9	through	through	ADP
amfbr-128	116	10	the	the	DET
amfbr-128	116	11	use	use	NOUN
amfbr-128	116	12	of	of	ADP
amfbr-128	116	13	stata	stata	NOUN
amfbr-128	116	14	13.0	13.0	NUM
amfbr-128	116	15	.	.	PUNCT
amfbr-128	117	1	the	the	DET
amfbr-128	117	2	model	model	NOUN
amfbr-128	117	3	encapsulates	encapsulate	VERB
amfbr-128	117	4	the	the	DET
amfbr-128	117	5	contribution	contribution	NOUN
amfbr-128	117	6	of	of	ADP
amfbr-128	117	7	leverage	leverage	NOUN
amfbr-128	117	8	,	,	PUNCT
amfbr-128	117	9	claim	claim	VERB
amfbr-128	117	10	loss	loss	NOUN
amfbr-128	117	11	ratio	ratio	NOUN
amfbr-128	117	12	and	and	CCONJ
amfbr-128	117	13	premium	premium	NOUN
amfbr-128	117	14	growth	growth	NOUN
amfbr-128	117	15	on	on	ADP
amfbr-128	117	16	the	the	DET
amfbr-128	117	17	firm	firm	ADJ
amfbr-128	117	18	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-128	117	19	american	american	PROPN
amfbr-128	117	20	finance	finance	PROPN
amfbr-128	117	21	&	&	CCONJ
amfbr-128	117	22	banking	banking	PROPN
amfbr-128	117	23	review	review	PROPN
amfbr-128	117	24	vol	vol	NOUN
amfbr-128	117	25	.	.	PROPN
amfbr-128	118	1	2	2	NUM
amfbr-128	118	2	,	,	PUNCT
amfbr-128	118	3	no	no	INTJ
amfbr-128	118	4	.	.	NOUN
amfbr-128	118	5	1	1	NUM
amfbr-128	118	6	;	;	PUNCT
amfbr-128	118	7	2018	2018	NUM
amfbr-128	118	8	48	48	NUM
amfbr-128	118	9	performance	performance	NOUN
amfbr-128	118	10	given	give	VERB
amfbr-128	118	11	as	as	ADP
amfbr-128	118	12	;	;	PUNCT
amfbr-128	118	13	roait=	roait=	NUM
amfbr-128	118	14	β0it	β0it	PUNCT
amfbr-128	119	1	+	+	NUM
amfbr-128	119	2	β1lvit	β1lvit	ADJ
amfbr-128	119	3	+	+	CCONJ
amfbr-128	119	4	β2clit	β2clit	VERB
amfbr-128	119	5	+	+	CCONJ
amfbr-128	119	6	β3pgit	β3pgit	ADV
amfbr-128	119	7	+	+	CCONJ
amfbr-128	119	8	εit	εit	VERB
amfbr-128	119	9	where	where	SCONJ
amfbr-128	119	10	,	,	PUNCT
amfbr-128	119	11	return	return	VERB
amfbr-128	119	12	on	on	ADP
amfbr-128	119	13	asset	asset	NOUN
amfbr-128	119	14	(	(	PUNCT
amfbr-128	119	15	roa	roa	NOUN
amfbr-128	119	16	)	)	PUNCT
amfbr-128	119	17	are	be	AUX
amfbr-128	119	18	measure	measure	NOUN
amfbr-128	119	19	as	as	ADP
amfbr-128	119	20	firm	firm	ADJ
amfbr-128	119	21	performance	performance	NOUN
amfbr-128	119	22	,	,	PUNCT
amfbr-128	120	1	β0	β0	NOUN
amfbr-128	120	2	=	=	SYM
amfbr-128	120	3	constant	constant	ADJ
amfbr-128	120	4	,	,	PUNCT
amfbr-128	120	5	β1	β1	NOUN
amfbr-128	120	6	…	…	SYM
amfbr-128	120	7	β3	β3	NOUN
amfbr-128	120	8	=	=	PRON
amfbr-128	120	9	the	the	DET
amfbr-128	120	10	slope	slope	NOUN
amfbr-128	120	11	which	which	PRON
amfbr-128	120	12	represents	represent	VERB
amfbr-128	120	13	the	the	DET
amfbr-128	120	14	degree	degree	NOUN
amfbr-128	120	15	in	in	ADP
amfbr-128	120	16	which	which	PRON
amfbr-128	120	17	financial	financial	ADJ
amfbr-128	120	18	performance	performance	NOUN
amfbr-128	120	19	changes	change	NOUN
amfbr-128	120	20	as	as	ADP
amfbr-128	120	21	the	the	DET
amfbr-128	120	22	independent	independent	ADJ
amfbr-128	120	23	variable	variable	ADJ
amfbr-128	120	24	change	change	NOUN
amfbr-128	120	25	by	by	ADP
amfbr-128	120	26	one	one	NUM
amfbr-128	120	27	unit	unit	NOUN
amfbr-128	120	28	variable	variable	NOUN
amfbr-128	120	29	.	.	PUNCT
amfbr-128	120	30	,	,	PUNCT
amfbr-128	120	31	lv	lv	PROPN
amfbr-128	120	32	=	=	PUNCT
amfbr-128	120	33	leverage	leverage	NOUN
amfbr-128	120	34	,	,	PUNCT
amfbr-128	120	35	cl	cl	NOUN
amfbr-128	120	36	=	=	NOUN
amfbr-128	120	37	claim	claim	VERB
amfbr-128	120	38	loss	loss	NOUN
amfbr-128	120	39	ratio	ratio	NOUN
amfbr-128	120	40	,	,	PUNCT
amfbr-128	120	41	pg=	pg=	ADJ
amfbr-128	120	42	premium	premium	NOUN
amfbr-128	120	43	growth	growth	NOUN
amfbr-128	120	44	,	,	PUNCT
amfbr-128	120	45	ε	ε	PROPN
amfbr-128	120	46	=	=	NOUN
amfbr-128	120	47	error	error	NOUN
amfbr-128	120	48	term	term	NOUN
amfbr-128	120	49	,	,	PUNCT
amfbr-128	120	50	t	t	NOUN
amfbr-128	120	51	=	=	PUNCT
amfbr-128	120	52	measure	measure	NOUN
amfbr-128	120	53	of	of	ADP
amfbr-128	120	54	time	time	NOUN
amfbr-128	120	55	,	,	PUNCT
amfbr-128	120	56	i	i	PRON
amfbr-128	120	57	=	=	NOUN
amfbr-128	120	58	number	number	NOUN
amfbr-128	120	59	of	of	ADP
amfbr-128	120	60	insurance	insurance	NOUN
amfbr-128	120	61	firm	firm	NOUN
amfbr-128	120	62	observation	observation	NOUN
amfbr-128	120	63	.	.	PUNCT
amfbr-128	121	1	where	where	SCONJ
amfbr-128	121	2	:	:	PUNCT
amfbr-128	121	3	return	return	VERB
amfbr-128	121	4	on	on	ADP
amfbr-128	121	5	asset	asset	NOUN
amfbr-128	121	6	(	(	PUNCT
amfbr-128	121	7	roa	roa	NOUN
amfbr-128	121	8	)	)	PUNCT
amfbr-128	121	9	=	=	NOUN
amfbr-128	121	10	profit	profit	NOUN
amfbr-128	121	11	before	before	ADP
amfbr-128	121	12	tax	tax	NOUN
amfbr-128	121	13	/	/	SYM
amfbr-128	121	14	total	total	ADJ
amfbr-128	121	15	asset	asset	NOUN
amfbr-128	121	16	leverage	leverage	NOUN
amfbr-128	121	17	(	(	PUNCT
amfbr-128	121	18	lv	lv	PROPN
amfbr-128	122	1	)	)	PUNCT
amfbr-128	122	2	=	=	SYM
amfbr-128	122	3	total	total	ADJ
amfbr-128	122	4	liabilities	liability	NOUN
amfbr-128	122	5	/	/	SYM
amfbr-128	122	6	total	total	ADJ
amfbr-128	122	7	asset	asset	NOUN
amfbr-128	122	8	loss	loss	NOUN
amfbr-128	122	9	ratio	ratio	NOUN
amfbr-128	122	10	(	(	PUNCT
amfbr-128	122	11	clr	clr	NOUN
amfbr-128	122	12	)	)	PUNCT
amfbr-128	122	13	=	=	SYM
amfbr-128	122	14	net	net	ADJ
amfbr-128	122	15	claims	claim	VERB
amfbr-128	122	16	incurred/	incurred/	NUM
amfbr-128	122	17	net	net	NOUN
amfbr-128	122	18	earned	earn	VERB
amfbr-128	122	19	premiums	premium	NOUN
amfbr-128	122	20	premium	premium	NOUN
amfbr-128	122	21	growth	growth	NOUN
amfbr-128	122	22	(	(	PUNCT
amfbr-128	122	23	pg	pg	NOUN
amfbr-128	122	24	)	)	PUNCT
amfbr-128	122	25	=	=	SYM
amfbr-128	122	26	current	current	ADJ
amfbr-128	122	27	premium	premium	NOUN
amfbr-128	122	28	–	–	PUNCT
amfbr-128	122	29	previous	previous	ADJ
amfbr-128	122	30	premium	premium	NOUN
amfbr-128	122	31	/	/	SYM
amfbr-128	122	32	previous	previous	ADJ
amfbr-128	122	33	premium	premium	NOUN
amfbr-128	122	34	4	4	NUM
amfbr-128	122	35	.	.	NOUN
amfbr-128	122	36	result	result	NOUN
amfbr-128	122	37	and	and	CCONJ
amfbr-128	122	38	discussions	discussion	NOUN
amfbr-128	122	39	this	this	DET
amfbr-128	122	40	section	section	NOUN
amfbr-128	122	41	presents	present	VERB
amfbr-128	122	42	the	the	DET
amfbr-128	122	43	result	result	NOUN
amfbr-128	122	44	of	of	ADP
amfbr-128	122	45	data	datum	NOUN
amfbr-128	122	46	analysis	analysis	NOUN
amfbr-128	122	47	and	and	CCONJ
amfbr-128	122	48	tests	test	NOUN
amfbr-128	122	49	of	of	ADP
amfbr-128	122	50	hypotheses	hypothesis	NOUN
amfbr-128	122	51	formulated	formulate	VERB
amfbr-128	122	52	earlier	early	ADV
amfbr-128	122	53	in	in	ADP
amfbr-128	122	54	the	the	DET
amfbr-128	122	55	paper	paper	NOUN
amfbr-128	122	56	.	.	PUNCT
amfbr-128	123	1	first	first	ADV
amfbr-128	123	2	,	,	PUNCT
amfbr-128	123	3	descriptive	descriptive	ADJ
amfbr-128	123	4	statistics	statistic	NOUN
amfbr-128	123	5	,	,	PUNCT
amfbr-128	123	6	followed	follow	VERB
amfbr-128	123	7	by	by	ADP
amfbr-128	123	8	the	the	DET
amfbr-128	123	9	correlation	correlation	NOUN
amfbr-128	123	10	matrix	matrix	NOUN
amfbr-128	123	11	table	table	NOUN
amfbr-128	123	12	and	and	CCONJ
amfbr-128	123	13	then	then	ADV
amfbr-128	123	14	the	the	DET
amfbr-128	123	15	summary	summary	NOUN
amfbr-128	123	16	of	of	ADP
amfbr-128	123	17	regression	regression	NOUN
amfbr-128	123	18	result	result	NOUN
amfbr-128	123	19	are	be	AUX
amfbr-128	123	20	presented	present	VERB
amfbr-128	123	21	and	and	CCONJ
amfbr-128	123	22	analyzed	analyze	VERB
amfbr-128	123	23	.	.	PUNCT
amfbr-128	124	1	table	table	NOUN
amfbr-128	124	2	1	1	NUM
amfbr-128	124	3	:	:	PUNCT
amfbr-128	124	4	descriptive	descriptive	ADJ
amfbr-128	124	5	statistics	statistic	NOUN
amfbr-128	124	6	variables	variable	VERB
amfbr-128	124	7	no	no	PROPN
amfbr-128	124	8	of	of	ADP
amfbr-128	125	1	obs	obs	PROPN
amfbr-128	125	2	minimum	minimum	ADJ
amfbr-128	125	3	maximum	maximum	ADJ
amfbr-128	125	4	mean	mean	NOUN
amfbr-128	125	5	standard	standard	PROPN
amfbr-128	125	6	dev	dev	PROPN
amfbr-128	125	7	.	.	PROPN
amfbr-128	125	8	roa	roa	PROPN
amfbr-128	125	9	60	60	NUM
amfbr-128	125	10	0.2142	0.2142	NUM
amfbr-128	125	11	0.2228	0.2228	NUM
amfbr-128	125	12	0.03353	0.03353	NUM
amfbr-128	125	13	0.0643	0.0643	NUM
amfbr-128	125	14	leverage	leverage	NOUN
amfbr-128	126	1	60	60	NUM
amfbr-128	126	2	0.1351	0.1351	NUM
amfbr-128	126	3	1.2628	1.2628	NUM
amfbr-128	126	4	0.56816	0.56816	NUM
amfbr-128	126	5	0.2254	0.2254	NUM
amfbr-128	126	6	claim	claim	NOUN
amfbr-128	126	7	loss	loss	NOUN
amfbr-128	126	8	ratio	ratio	NOUN
amfbr-128	126	9	60	60	NUM
amfbr-128	126	10	0.1918	0.1918	NUM
amfbr-128	126	11	1.5808	1.5808	NUM
amfbr-128	126	12	0.3942	0.3942	NUM
amfbr-128	126	13	0.1882	0.1882	NUM
amfbr-128	126	14	premium	premium	ADJ
amfbr-128	126	15	growth	growth	NOUN
amfbr-128	126	16	60	60	NUM
amfbr-128	126	17	-0.5025	-0.5025	NOUN
amfbr-128	126	18	1.4187	1.4187	NUM
amfbr-128	126	19	0.1467	0.1467	NUM
amfbr-128	126	20	0.3012	0.3012	NUM
amfbr-128	126	21	sources	source	NOUN
amfbr-128	126	22	:	:	PUNCT
amfbr-128	126	23	output	output	NOUN
amfbr-128	126	24	of	of	ADP
amfbr-128	126	25	stata13	stata13	NOUN
amfbr-128	126	26	result	result	NOUN
amfbr-128	126	27	table	table	NOUN
amfbr-128	126	28	1	1	NUM
amfbr-128	126	29	above	above	ADP
amfbr-128	126	30	presents	present	VERB
amfbr-128	126	31	the	the	DET
amfbr-128	126	32	descriptive	descriptive	ADJ
amfbr-128	126	33	statistics	statistic	NOUN
amfbr-128	126	34	for	for	ADP
amfbr-128	126	35	all	all	DET
amfbr-128	126	36	the	the	DET
amfbr-128	126	37	variables	variable	NOUN
amfbr-128	126	38	of	of	ADP
amfbr-128	126	39	the	the	DET
amfbr-128	126	40	study	study	NOUN
amfbr-128	126	41	.	.	PUNCT
amfbr-128	127	1	from	from	ADP
amfbr-128	127	2	the	the	DET
amfbr-128	127	3	description	description	NOUN
amfbr-128	127	4	,	,	PUNCT
amfbr-128	127	5	it	it	PRON
amfbr-128	127	6	is	be	AUX
amfbr-128	127	7	observed	observe	VERB
amfbr-128	127	8	that	that	SCONJ
amfbr-128	127	9	for	for	ADP
amfbr-128	127	10	the	the	DET
amfbr-128	127	11	sampled	sample	VERB
amfbr-128	127	12	firms	firm	NOUN
amfbr-128	127	13	and	and	CCONJ
amfbr-128	127	14	for	for	ADP
amfbr-128	127	15	the	the	DET
amfbr-128	127	16	period	period	NOUN
amfbr-128	127	17	covered	cover	VERB
amfbr-128	127	18	by	by	ADP
amfbr-128	127	19	the	the	DET
amfbr-128	127	20	study	study	NOUN
amfbr-128	127	21	,	,	PUNCT
amfbr-128	127	22	the	the	DET
amfbr-128	127	23	average	average	ADJ
amfbr-128	127	24	value	value	NOUN
amfbr-128	127	25	for	for	ADP
amfbr-128	127	26	financial	financial	ADJ
amfbr-128	127	27	performance	performance	NOUN
amfbr-128	127	28	(	(	PUNCT
amfbr-128	127	29	roa	roa	NOUN
amfbr-128	127	30	)	)	PUNCT
amfbr-128	127	31	is	be	AUX
amfbr-128	127	32	0.3353	0.3353	NUM
amfbr-128	127	33	with	with	ADP
amfbr-128	127	34	standard	standard	ADJ
amfbr-128	127	35	deviation	deviation	NOUN
amfbr-128	127	36	of	of	ADP
amfbr-128	127	37	0.6143	0.6143	NUM
amfbr-128	127	38	which	which	PRON
amfbr-128	127	39	is	be	AUX
amfbr-128	127	40	very	very	ADV
amfbr-128	127	41	far	far	ADV
amfbr-128	127	42	to	to	ADP
amfbr-128	127	43	the	the	DET
amfbr-128	127	44	mean	mean	NOUN
amfbr-128	127	45	.	.	PUNCT
amfbr-128	128	1	the	the	DET
amfbr-128	128	2	mean	mean	ADJ
amfbr-128	128	3	value	value	NOUN
amfbr-128	128	4	leverage	leverage	NOUN
amfbr-128	128	5	(	(	PUNCT
amfbr-128	128	6	lv	lv	PROPN
amfbr-128	128	7	)	)	PUNCT
amfbr-128	128	8	of	of	ADP
amfbr-128	128	9	0.568	0.568	NUM
amfbr-128	128	10	or	or	CCONJ
amfbr-128	128	11	57	57	NUM
amfbr-128	128	12	%	%	NOUN
amfbr-128	128	13	is	be	AUX
amfbr-128	128	14	an	an	DET
amfbr-128	128	15	indication	indication	NOUN
amfbr-128	128	16	that	that	SCONJ
amfbr-128	128	17	debt	debt	NOUN
amfbr-128	128	18	financing	financing	NOUN
amfbr-128	128	19	in	in	ADP
amfbr-128	128	20	the	the	DET
amfbr-128	128	21	insurance	insurance	NOUN
amfbr-128	128	22	sector	sector	NOUN
amfbr-128	128	23	is	be	AUX
amfbr-128	128	24	to	to	ADP
amfbr-128	128	25	the	the	DET
amfbr-128	128	26	tune	tune	NOUN
amfbr-128	128	27	of	of	ADP
amfbr-128	128	28	57	57	NUM
amfbr-128	128	29	%	%	NOUN
amfbr-128	128	30	of	of	ADP
amfbr-128	128	31	the	the	DET
amfbr-128	128	32	total	total	ADJ
amfbr-128	128	33	finance	finance	NOUN
amfbr-128	128	34	sources	source	NOUN
amfbr-128	128	35	.	.	PUNCT
amfbr-128	129	1	the	the	DET
amfbr-128	129	2	remaining	remain	VERB
amfbr-128	129	3	43	43	NUM
amfbr-128	129	4	%	%	NOUN
amfbr-128	129	5	are	be	AUX
amfbr-128	129	6	sourced	source	VERB
amfbr-128	129	7	from	from	ADP
amfbr-128	129	8	asset	asset	NOUN
amfbr-128	129	9	financing	financing	NOUN
amfbr-128	129	10	.	.	PUNCT
amfbr-128	130	1	the	the	DET
amfbr-128	130	2	claim	claim	NOUN
amfbr-128	130	3	loss	loss	NOUN
amfbr-128	130	4	ratio	ratio	NOUN
amfbr-128	130	5	has	have	VERB
amfbr-128	130	6	minimum	minimum	ADJ
amfbr-128	130	7	and	and	CCONJ
amfbr-128	130	8	maximum	maximum	ADJ
amfbr-128	130	9	value	value	NOUN
amfbr-128	130	10	of	of	ADP
amfbr-128	130	11	0.19	0.19	NUM
amfbr-128	130	12	and	and	CCONJ
amfbr-128	130	13	1.58	1.58	NUM
amfbr-128	130	14	respectively	respectively	ADV
amfbr-128	130	15	with	with	ADP
amfbr-128	130	16	the	the	DET
amfbr-128	130	17	mean	mean	ADJ
amfbr-128	130	18	value	value	NOUN
amfbr-128	130	19	of	of	ADP
amfbr-128	130	20	0.3935	0.3935	NUM
amfbr-128	130	21	and	and	CCONJ
amfbr-128	130	22	standard	standard	ADJ
amfbr-128	130	23	deviation	deviation	NOUN
amfbr-128	130	24	of	of	ADP
amfbr-128	130	25	0.1882	0.1882	NUM
amfbr-128	130	26	.	.	PUNCT
amfbr-128	131	1	therefore	therefore	ADV
amfbr-128	131	2	,	,	PUNCT
amfbr-128	131	3	there	there	PRON
amfbr-128	131	4	exists	exist	VERB
amfbr-128	131	5	a	a	DET
amfbr-128	131	6	moderate	moderate	ADJ
amfbr-128	131	7	variation	variation	NOUN
amfbr-128	131	8	among	among	ADP
amfbr-128	131	9	the	the	DET
amfbr-128	131	10	value	value	NOUN
amfbr-128	131	11	of	of	ADP
amfbr-128	131	12	loss	loss	NOUN
amfbr-128	131	13	ratio	ratio	NOUN
amfbr-128	131	14	across	across	ADP
amfbr-128	131	15	the	the	DET
amfbr-128	131	16	sample	sample	NOUN
amfbr-128	131	17	insurance	insurance	NOUN
amfbr-128	131	18	companies	company	NOUN
amfbr-128	131	19	included	include	VERB
amfbr-128	131	20	in	in	ADP
amfbr-128	131	21	this	this	DET
amfbr-128	131	22	study	study	NOUN
amfbr-128	131	23	.	.	PUNCT
amfbr-128	132	1	premium	premium	ADJ
amfbr-128	132	2	growth	growth	NOUN
amfbr-128	132	3	has	have	VERB
amfbr-128	132	4	an	an	DET
amfbr-128	132	5	average	average	ADJ
amfbr-128	132	6	mean	mean	NOUN
amfbr-128	132	7	value	value	NOUN
amfbr-128	132	8	of	of	ADP
amfbr-128	132	9	0.1467	0.1467	NUM
amfbr-128	132	10	and	and	CCONJ
amfbr-128	132	11	standard	standard	ADJ
amfbr-128	132	12	deviation	deviation	NOUN
amfbr-128	132	13	of	of	ADP
amfbr-128	132	14	0.3012	0.3012	NUM
amfbr-128	132	15	with	with	ADP
amfbr-128	132	16	a	a	DET
amfbr-128	132	17	minimum	minimum	NOUN
amfbr-128	132	18	and	and	CCONJ
amfbr-128	132	19	maximum	maximum	NOUN
amfbr-128	132	20	are	be	AUX
amfbr-128	132	21	-0.5025	-0.5025	ADJ
amfbr-128	132	22	and	and	CCONJ
amfbr-128	132	23	1	1	NUM
amfbr-128	132	24	,	,	PUNCT
amfbr-128	132	25	4186	4186	NUM
amfbr-128	132	26	.	.	PUNCT
amfbr-128	133	1	table	table	NOUN
amfbr-128	133	2	2	2	NUM
amfbr-128	133	3	:	:	PUNCT
amfbr-128	133	4	correlation	correlation	NOUN
amfbr-128	133	5	matrix	matrix	NOUN
amfbr-128	133	6	table	table	NOUN
amfbr-128	133	7	variables	variable	NOUN
amfbr-128	133	8	roa	roa	PROPN
amfbr-128	133	9	lv	lv	PROPN
amfbr-128	133	10	clr	clr	VERB
amfbr-128	133	11	pg	pg	PROPN
amfbr-128	133	12	roa	roa	PROPN
amfbr-128	133	13	1.0000	1.0000	NUM
amfbr-128	133	14	lv	lv	PROPN
amfbr-128	133	15	-0.4197	-0.4197	NOUN
amfbr-128	133	16	*	*	PUNCT
amfbr-128	133	17	0.0008	0.0008	NUM
amfbr-128	133	18	1.000	1.000	NUM
amfbr-128	133	19	clr	clr	NOUN
amfbr-128	133	20	-0.1191	-0.1191	NOUN
amfbr-128	134	1	0.3649	0.3649	NUM
amfbr-128	134	2	0.1706	0.1706	NUM
amfbr-128	134	3	0.1925	0.1925	NUM
amfbr-128	134	4	1.0000	1.0000	NUM
amfbr-128	134	5	pg	pg	NOUN
amfbr-128	134	6	0.2142	0.2142	NUM
amfbr-128	134	7	0.1004	0.1004	NUM
amfbr-128	134	8	-0.1171	-0.1171	NOUN
amfbr-128	134	9	0.3730	0.3730	NUM
amfbr-128	134	10	-0.3138	-0.3138	NOUN
amfbr-128	134	11	*	*	X
amfbr-128	135	1	0.0146	0.0146	NUM
amfbr-128	135	2	1.0000	1.0000	NUM
amfbr-128	135	3	sources	source	NOUN
amfbr-128	135	4	:	:	PUNCT
amfbr-128	135	5	output	output	NOUN
amfbr-128	135	6	of	of	ADP
amfbr-128	135	7	stata13	stata13	PROPN
amfbr-128	135	8	result	result	PROPN
amfbr-128	135	9	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-128	135	10	american	american	PROPN
amfbr-128	135	11	finance	finance	PROPN
amfbr-128	135	12	&	&	CCONJ
amfbr-128	135	13	banking	banking	PROPN
amfbr-128	135	14	review	review	PROPN
amfbr-128	135	15	vol	vol	NOUN
amfbr-128	135	16	.	.	PROPN
amfbr-128	135	17	2	2	NUM
amfbr-128	135	18	,	,	PUNCT
amfbr-128	135	19	no	no	INTJ
amfbr-128	135	20	.	.	NOUN
amfbr-128	135	21	1	1	NUM
amfbr-128	135	22	;	;	PUNCT
amfbr-128	135	23	2018	2018	NUM
amfbr-128	135	24	49	49	NUM
amfbr-128	135	25	table	table	NOUN
amfbr-128	135	26	2	2	NUM
amfbr-128	135	27	above	above	ADP
amfbr-128	135	28	captures	capture	VERB
amfbr-128	135	29	the	the	DET
amfbr-128	135	30	correlation	correlation	NOUN
amfbr-128	135	31	values	value	NOUN
amfbr-128	135	32	between	between	ADP
amfbr-128	135	33	the	the	DET
amfbr-128	135	34	independent	independent	ADJ
amfbr-128	135	35	variables	variable	NOUN
amfbr-128	135	36	and	and	CCONJ
amfbr-128	135	37	dependent	dependent	ADJ
amfbr-128	135	38	variable	variable	NOUN
amfbr-128	135	39	as	as	ADV
amfbr-128	135	40	well	well	ADV
amfbr-128	135	41	as	as	ADP
amfbr-128	135	42	among	among	ADP
amfbr-128	135	43	independent	independent	ADJ
amfbr-128	135	44	variables	variable	NOUN
amfbr-128	135	45	themselves	themselves	PRON
amfbr-128	135	46	.	.	PUNCT
amfbr-128	136	1	from	from	ADP
amfbr-128	136	2	the	the	DET
amfbr-128	136	3	table	table	NOUN
amfbr-128	136	4	it	it	PRON
amfbr-128	136	5	is	be	AUX
amfbr-128	136	6	revealed	reveal	VERB
amfbr-128	136	7	that	that	SCONJ
amfbr-128	136	8	leverage	leverage	NOUN
amfbr-128	136	9	is	be	AUX
amfbr-128	136	10	significant	significant	ADJ
amfbr-128	136	11	negative	negative	ADJ
amfbr-128	136	12	related	relate	VERB
amfbr-128	136	13	with	with	ADP
amfbr-128	136	14	roa	roa	PROPN
amfbr-128	136	15	,	,	PUNCT
amfbr-128	136	16	also	also	ADV
amfbr-128	136	17	there	there	PRON
amfbr-128	136	18	exist	exist	VERB
amfbr-128	136	19	insignicant	insignicant	ADJ
amfbr-128	136	20	and	and	CCONJ
amfbr-128	136	21	negative	negative	ADJ
amfbr-128	136	22	association	association	NOUN
amfbr-128	136	23	between	between	ADP
amfbr-128	136	24	claim	claim	NOUN
amfbr-128	136	25	loss	loss	NOUN
amfbr-128	136	26	and	and	CCONJ
amfbr-128	136	27	return	return	VERB
amfbr-128	136	28	on	on	ADP
amfbr-128	136	29	asset	asset	NOUN
amfbr-128	136	30	.	.	PUNCT
amfbr-128	137	1	this	this	PRON
amfbr-128	137	2	implies	imply	VERB
amfbr-128	137	3	that	that	SCONJ
amfbr-128	137	4	the	the	PRON
amfbr-128	137	5	higher	high	ADJ
amfbr-128	137	6	the	the	DET
amfbr-128	137	7	claim	claim	NOUN
amfbr-128	137	8	loss	loss	VERB
amfbr-128	137	9	the	the	DET
amfbr-128	137	10	lower	low	ADJ
amfbr-128	137	11	the	the	DET
amfbr-128	137	12	return	return	NOUN
amfbr-128	137	13	on	on	ADP
amfbr-128	137	14	asset	asset	NOUN
amfbr-128	137	15	and	and	CCONJ
amfbr-128	137	16	vice	vice	NOUN
amfbr-128	137	17	versa	versa	ADV
amfbr-128	137	18	.	.	PUNCT
amfbr-128	138	1	furthermore	furthermore	ADV
amfbr-128	138	2	,	,	PUNCT
amfbr-128	138	3	roa	roa	PROPN
amfbr-128	138	4	is	be	AUX
amfbr-128	138	5	however	however	ADV
amfbr-128	138	6	positively	positively	ADV
amfbr-128	138	7	correlated	correlate	VERB
amfbr-128	138	8	with	with	ADP
amfbr-128	138	9	premium	premium	ADJ
amfbr-128	138	10	growth	growth	NOUN
amfbr-128	138	11	and	and	CCONJ
amfbr-128	138	12	insignificant	insignificant	ADJ
amfbr-128	138	13	,	,	PUNCT
amfbr-128	138	14	this	this	PRON
amfbr-128	138	15	implies	imply	VERB
amfbr-128	138	16	that	that	SCONJ
amfbr-128	138	17	the	the	PRON
amfbr-128	138	18	higher	high	ADJ
amfbr-128	138	19	the	the	DET
amfbr-128	138	20	premium	premium	NOUN
amfbr-128	138	21	growth	growth	NOUN
amfbr-128	138	22	the	the	PRON
amfbr-128	138	23	higher	high	ADJ
amfbr-128	138	24	the	the	DET
amfbr-128	138	25	return	return	NOUN
amfbr-128	138	26	on	on	ADP
amfbr-128	138	27	asset	asset	NOUN
amfbr-128	138	28	.	.	PUNCT
amfbr-128	139	1	the	the	DET
amfbr-128	139	2	correlation	correlation	NOUN
amfbr-128	139	3	matrix	matrix	NOUN
amfbr-128	139	4	also	also	ADV
amfbr-128	139	5	revealed	reveal	VERB
amfbr-128	139	6	that	that	SCONJ
amfbr-128	139	7	no	no	DET
amfbr-128	139	8	two	two	NUM
amfbr-128	139	9	explanatory	explanatory	ADJ
amfbr-128	139	10	variables	variable	NOUN
amfbr-128	139	11	were	be	AUX
amfbr-128	139	12	perfectly	perfectly	ADV
amfbr-128	139	13	correlated	correlate	VERB
amfbr-128	139	14	.	.	PUNCT
amfbr-128	140	1	this	this	PRON
amfbr-128	140	2	means	mean	VERB
amfbr-128	140	3	that	that	SCONJ
amfbr-128	140	4	there	there	PRON
amfbr-128	140	5	is	be	VERB
amfbr-128	140	6	the	the	DET
amfbr-128	140	7	absence	absence	NOUN
amfbr-128	140	8	of	of	ADP
amfbr-128	140	9	multicolinearity	multicolinearity	NOUN
amfbr-128	140	10	problem	problem	NOUN
amfbr-128	140	11	in	in	ADP
amfbr-128	140	12	the	the	DET
amfbr-128	140	13	model	model	NOUN
amfbr-128	140	14	.	.	PUNCT
amfbr-128	141	1	4.1	4.1	NUM
amfbr-128	141	2	regression	regression	NOUN
amfbr-128	141	3	diagnostics	diagnostic	NOUN
amfbr-128	141	4	tests	test	VERB
amfbr-128	141	5	the	the	DET
amfbr-128	141	6	value	value	NOUN
amfbr-128	141	7	of	of	ADP
amfbr-128	141	8	fstatistics	fstatistic	NOUN
amfbr-128	141	9	of	of	ADP
amfbr-128	141	10	9.73	9.73	NUM
amfbr-128	141	11	(	(	PUNCT
amfbr-128	141	12	p-0.0210	p-0.0210	NOUN
amfbr-128	141	13	)	)	PUNCT
amfbr-128	141	14	is	be	AUX
amfbr-128	141	15	significant	significant	ADJ
amfbr-128	141	16	at	at	ADP
amfbr-128	141	17	5	5	NUM
amfbr-128	141	18	%	%	NOUN
amfbr-128	141	19	level	level	NOUN
amfbr-128	141	20	of	of	ADP
amfbr-128	141	21	significance	significance	NOUN
amfbr-128	141	22	.	.	PUNCT
amfbr-128	142	1	this	this	PRON
amfbr-128	142	2	indicates	indicate	VERB
amfbr-128	142	3	that	that	SCONJ
amfbr-128	142	4	the	the	DET
amfbr-128	142	5	model	model	NOUN
amfbr-128	142	6	is	be	AUX
amfbr-128	142	7	fit	fit	ADJ
amfbr-128	142	8	and	and	CCONJ
amfbr-128	142	9	the	the	DET
amfbr-128	142	10	explanatory	explanatory	ADJ
amfbr-128	142	11	variable	variable	NOUN
amfbr-128	142	12	are	be	AUX
amfbr-128	142	13	properly	properly	ADV
amfbr-128	142	14	selected	select	VERB
amfbr-128	142	15	,	,	PUNCT
amfbr-128	142	16	combined	combine	VERB
amfbr-128	142	17	and	and	CCONJ
amfbr-128	142	18	used	use	VERB
amfbr-128	142	19	.	.	PUNCT
amfbr-128	143	1	the	the	DET
amfbr-128	143	2	results	result	NOUN
amfbr-128	143	3	of	of	ADP
amfbr-128	143	4	the	the	DET
amfbr-128	143	5	vif	vif	NOUN
amfbr-128	143	6	further	far	ADV
amfbr-128	143	7	prove	prove	VERB
amfbr-128	143	8	the	the	DET
amfbr-128	143	9	absence	absence	NOUN
amfbr-128	143	10	of	of	ADP
amfbr-128	143	11	perfect	perfect	ADJ
amfbr-128	143	12	multicollinearity	multicollinearity	NOUN
amfbr-128	143	13	among	among	ADP
amfbr-128	143	14	the	the	DET
amfbr-128	143	15	independent	independent	ADJ
amfbr-128	143	16	variables	variable	NOUN
amfbr-128	143	17	,	,	PUNCT
amfbr-128	143	18	because	because	SCONJ
amfbr-128	143	19	the	the	DET
amfbr-128	143	20	mean	mean	ADJ
amfbr-128	143	21	variance	variance	NOUN
amfbr-128	143	22	inflation	inflation	NOUN
amfbr-128	143	23	factor	factor	NOUN
amfbr-128	143	24	(	(	PUNCT
amfbr-128	143	25	vif	vif	NOUN
amfbr-128	143	26	)	)	PUNCT
amfbr-128	143	27	is	be	AUX
amfbr-128	143	28	1.09	1.09	NUM
amfbr-128	143	29	.	.	PUNCT
amfbr-128	144	1	the	the	DET
amfbr-128	144	2	rule	rule	NOUN
amfbr-128	144	3	of	of	ADP
amfbr-128	144	4	thumb	thumb	NOUN
amfbr-128	144	5	is	be	AUX
amfbr-128	144	6	that	that	SCONJ
amfbr-128	144	7	a	a	DET
amfbr-128	144	8	value	value	NOUN
amfbr-128	144	9	of	of	ADP
amfbr-128	144	10	vif	vif	NOUN
amfbr-128	144	11	of	of	ADP
amfbr-128	144	12	10	10	NUM
amfbr-128	144	13	and	and	CCONJ
amfbr-128	144	14	above	above	ADV
amfbr-128	144	15	is	be	AUX
amfbr-128	144	16	a	a	DET
amfbr-128	144	17	suggestion	suggestion	NOUN
amfbr-128	144	18	of	of	ADP
amfbr-128	144	19	multicolinearity	multicolinearity	NOUN
amfbr-128	144	20	among	among	ADP
amfbr-128	144	21	the	the	DET
amfbr-128	144	22	explanatory	explanatory	ADJ
amfbr-128	144	23	variables	variable	NOUN
amfbr-128	144	24	(	(	PUNCT
amfbr-128	144	25	gujarati	gujarati	PROPN
amfbr-128	144	26	,	,	PUNCT
amfbr-128	144	27	2004	2004	NUM
amfbr-128	144	28	)	)	PUNCT
amfbr-128	144	29	.	.	PUNCT
amfbr-128	145	1	breusch	breusch	PROPN
amfbr-128	145	2	-	-	PUNCT
amfbr-128	145	3	pagan	pagan	ADJ
amfbr-128	145	4	/	/	SYM
amfbr-128	145	5	cook	cook	PROPN
amfbr-128	145	6	-	-	PUNCT
amfbr-128	145	7	weisberg	weisberg	PROPN
amfbr-128	145	8	test	test	NOUN
amfbr-128	145	9	for	for	ADP
amfbr-128	145	10	heteroskedasticity	heteroskedasticity	NOUN
amfbr-128	145	11	revealed	reveal	VERB
amfbr-128	145	12	homoskedastic	homoskedastic	ADJ
amfbr-128	145	13	results	result	NOUN
amfbr-128	145	14	(	(	PUNCT
amfbr-128	145	15	prob	prob	NOUN
amfbr-128	145	16	>	>	X
amfbr-128	145	17	chi2	chi2	PROPN
amfbr-128	145	18	=	=	PROPN
amfbr-128	145	19	0.0602	0.0602	NUM
amfbr-128	145	20	)	)	PUNCT
amfbr-128	145	21	.	.	PUNCT
amfbr-128	146	1	besides	besides	SCONJ
amfbr-128	146	2	ramsey	ramsey	PROPN
amfbr-128	146	3	reset	reset	PROPN
amfbr-128	146	4	(	(	PUNCT
amfbr-128	146	5	regression	regression	NOUN
amfbr-128	146	6	specification	specification	NOUN
amfbr-128	146	7	error	error	NOUN
amfbr-128	146	8	test	test	NOUN
amfbr-128	146	9	)	)	PUNCT
amfbr-128	146	10	test	test	NOUN
amfbr-128	146	11	was	be	AUX
amfbr-128	146	12	performed	perform	VERB
amfbr-128	146	13	for	for	ADP
amfbr-128	146	14	model	model	NOUN
amfbr-128	146	15	specification	specification	NOUN
amfbr-128	146	16	and	and	CCONJ
amfbr-128	146	17	the	the	DET
amfbr-128	146	18	results	result	NOUN
amfbr-128	146	19	show	show	VERB
amfbr-128	146	20	the	the	DET
amfbr-128	146	21	model	model	NOUN
amfbr-128	146	22	has	have	VERB
amfbr-128	146	23	no	no	DET
amfbr-128	146	24	omitted	omit	VERB
amfbr-128	146	25	variable	variable	NOUN
amfbr-128	146	26	(	(	PUNCT
amfbr-128	146	27	prob	prob	NOUN
amfbr-128	146	28	>	>	X
amfbr-128	146	29	chi2	chi2	PROPN
amfbr-128	147	1	=	=	NOUN
amfbr-128	147	2	0.1434	0.1434	NUM
amfbr-128	147	3	)	)	PUNCT
amfbr-128	147	4	.	.	PUNCT
amfbr-128	148	1	4.2	4.2	NUM
amfbr-128	148	2	the	the	DET
amfbr-128	148	3	regression	regression	NOUN
amfbr-128	148	4	result	result	NOUN
amfbr-128	148	5	table	table	NOUN
amfbr-128	148	6	3	3	NUM
amfbr-128	148	7	below	below	ADV
amfbr-128	148	8	is	be	AUX
amfbr-128	148	9	the	the	DET
amfbr-128	148	10	regression	regression	NOUN
amfbr-128	148	11	result	result	NOUN
amfbr-128	148	12	of	of	ADP
amfbr-128	148	13	the	the	DET
amfbr-128	148	14	random	random	ADJ
amfbr-128	148	15	effect	effect	NOUN
amfbr-128	148	16	model	model	NOUN
amfbr-128	148	17	.	.	PUNCT
amfbr-128	149	1	the	the	DET
amfbr-128	149	2	model	model	NOUN
amfbr-128	149	3	was	be	AUX
amfbr-128	149	4	selected	select	VERB
amfbr-128	149	5	for	for	ADP
amfbr-128	149	6	interpretation	interpretation	NOUN
amfbr-128	149	7	because	because	SCONJ
amfbr-128	149	8	the	the	DET
amfbr-128	149	9	hausman	hausman	PROPN
amfbr-128	149	10	specification	specification	NOUN
amfbr-128	149	11	test	test	NOUN
amfbr-128	149	12	favors	favor	VERB
amfbr-128	149	13	the	the	DET
amfbr-128	149	14	random	random	ADJ
amfbr-128	149	15	effect	effect	NOUN
amfbr-128	149	16	model	model	NOUN
amfbr-128	149	17	with	with	ADP
amfbr-128	149	18	,	,	PUNCT
amfbr-128	149	19	probability	probability	NOUN
amfbr-128	149	20	of	of	ADP
amfbr-128	149	21	0.3062	0.3062	NUM
amfbr-128	149	22	which	which	PRON
amfbr-128	149	23	is	be	AUX
amfbr-128	149	24	not	not	PART
amfbr-128	149	25	significant	significant	ADJ
amfbr-128	149	26	at	at	ADP
amfbr-128	149	27	5	5	NUM
amfbr-128	149	28	%	%	NOUN
amfbr-128	149	29	.	.	PUNCT
amfbr-128	150	1	the	the	DET
amfbr-128	150	2	cumulative	cumulative	ADJ
amfbr-128	150	3	r2	r2	NOUN
amfbr-128	150	4	of	of	ADP
amfbr-128	150	5	0.1970	0.1970	NUM
amfbr-128	150	6	is	be	AUX
amfbr-128	150	7	the	the	DET
amfbr-128	150	8	multiple	multiple	ADJ
amfbr-128	150	9	coefficient	coefficient	NOUN
amfbr-128	150	10	of	of	ADP
amfbr-128	150	11	determination	determination	NOUN
amfbr-128	150	12	which	which	PRON
amfbr-128	150	13	shows	show	VERB
amfbr-128	150	14	the	the	DET
amfbr-128	150	15	percentage	percentage	NOUN
amfbr-128	150	16	of	of	ADP
amfbr-128	150	17	the	the	DET
amfbr-128	150	18	total	total	ADJ
amfbr-128	150	19	variation	variation	NOUN
amfbr-128	150	20	in	in	ADP
amfbr-128	150	21	the	the	DET
amfbr-128	150	22	dependent	dependent	ADJ
amfbr-128	150	23	variable	variable	NOUN
amfbr-128	150	24	explained	explain	VERB
amfbr-128	150	25	by	by	ADP
amfbr-128	150	26	the	the	DET
amfbr-128	150	27	independent	independent	ADJ
amfbr-128	150	28	variable	variable	NOUN
amfbr-128	150	29	together	together	ADV
amfbr-128	150	30	.	.	PUNCT
amfbr-128	151	1	therefore	therefore	ADV
amfbr-128	151	2	,	,	PUNCT
amfbr-128	151	3	it	it	PRON
amfbr-128	151	4	indicates	indicate	VERB
amfbr-128	151	5	that	that	SCONJ
amfbr-128	151	6	20	20	NUM
amfbr-128	151	7	%	%	NOUN
amfbr-128	151	8	of	of	ADP
amfbr-128	151	9	total	total	ADJ
amfbr-128	151	10	change	change	NOUN
amfbr-128	151	11	in	in	ADP
amfbr-128	151	12	operating	operating	NOUN
amfbr-128	151	13	performance	performance	NOUN
amfbr-128	151	14	of	of	ADP
amfbr-128	151	15	quoted	quote	VERB
amfbr-128	151	16	insurance	insurance	NOUN
amfbr-128	151	17	companies	company	NOUN
amfbr-128	151	18	in	in	ADP
amfbr-128	151	19	nigerian	nigerian	PROPN
amfbr-128	151	20	is	be	AUX
amfbr-128	151	21	explained	explain	VERB
amfbr-128	151	22	by	by	ADP
amfbr-128	151	23	their	their	PRON
amfbr-128	151	24	level	level	NOUN
amfbr-128	151	25	of	of	ADP
amfbr-128	151	26	leverage	leverage	NOUN
amfbr-128	151	27	,	,	PUNCT
amfbr-128	151	28	claim	claim	VERB
amfbr-128	151	29	loss	loss	NOUN
amfbr-128	151	30	ratio	ratio	NOUN
amfbr-128	151	31	and	and	CCONJ
amfbr-128	151	32	premium	premium	NOUN
amfbr-128	151	33	growth	growth	NOUN
amfbr-128	151	34	.	.	PUNCT
amfbr-128	152	1	table	table	NOUN
amfbr-128	152	2	3	3	NUM
amfbr-128	152	3	:	:	PUNCT
amfbr-128	152	4	summary	summary	NOUN
amfbr-128	152	5	of	of	ADP
amfbr-128	152	6	regression	regression	NOUN
amfbr-128	152	7	result	result	NOUN
amfbr-128	152	8	–	–	PUNCT
amfbr-128	152	9	random	random	ADJ
amfbr-128	152	10	effects	effect	NOUN
amfbr-128	152	11	model	model	NOUN
amfbr-128	152	12	variables	variable	NOUN
amfbr-128	152	13	coefficient	coefficient	VERB
amfbr-128	152	14	t	t	NOUN
amfbr-128	152	15	-	-	PUNCT
amfbr-128	152	16	value	value	NOUN
amfbr-128	152	17	p	p	NOUN
amfbr-128	152	18	-	-	PUNCT
amfbr-128	152	19	value	value	NOUN
amfbr-128	152	20	vif	vif	NOUN
amfbr-128	152	21	1	1	NUM
amfbr-128	152	22	/	/	SYM
amfbr-128	152	23	vif	vif	NOUN
amfbr-128	152	24	constant	constant	VERB
amfbr-128	152	25	0.967694	0.967694	NUM
amfbr-128	152	26	3.34	3.34	NUM
amfbr-128	152	27	0.001	0.001	NUM
amfbr-128	152	28	leverage	leverage	NOUN
amfbr-128	152	29	-0.0997178	-0.0997178	NOUN
amfbr-128	152	30	-2.43	-2.43	NUM
amfbr-128	152	31	0.015	0.015	NUM
amfbr-128	152	32	1.03	1.03	NUM
amfbr-128	152	33	0.966417	0.966417	NUM
amfbr-128	152	34	claim	claim	NOUN
amfbr-128	152	35	loss	loss	NOUN
amfbr-128	152	36	ratio	ratio	NOUN
amfbr-128	152	37	-0.0253039	-0.0253039	NOUN
amfbr-128	152	38	-0.59	-0.59	NUM
amfbr-128	152	39	0.553	0.553	NUM
amfbr-128	152	40	1.13	1.13	NUM
amfbr-128	152	41	0.883331	0.883331	NUM
amfbr-128	152	42	premium	premium	ADJ
amfbr-128	152	43	growth	growth	NOUN
amfbr-128	152	44	0.0231079	0.0231079	NUM
amfbr-128	152	45	0.95	0.95	NUM
amfbr-128	152	46	0.344	0.344	NUM
amfbr-128	152	47	1.11	1.11	NUM
amfbr-128	152	48	0.897344	0.897344	NUM
amfbr-128	152	49	mean	mean	ADJ
amfbr-128	152	50	vif	vif	PROPN
amfbr-128	152	51	1.09	1.09	NUM
amfbr-128	152	52	hausman	hausman	NOUN
amfbr-128	152	53	ch2=3.61	ch2=3.61	NOUN
amfbr-128	152	54	pro	pro	X
amfbr-128	152	55	>	>	X
amfbr-128	152	56	chi2=0.3062	chi2=0.3062	PROPN
amfbr-128	152	57	r2	r2	PROPN
amfbr-128	152	58	(	(	PUNCT
amfbr-128	152	59	overall	overall	ADV
amfbr-128	152	60	)	)	PUNCT
amfbr-128	152	61	0.1970	0.1970	NUM
amfbr-128	152	62	f	f	X
amfbr-128	152	63	-	-	PUNCT
amfbr-128	152	64	statistics	statistic	NOUN
amfbr-128	152	65	fstat=9.73	fstat=9.73	VERB
amfbr-128	152	66	p	p	PROPN
amfbr-128	152	67	>	>	X
amfbr-128	152	68	f=0.0210	f=0.0210	PROPN
amfbr-128	152	69	ramsey	ramsey	PROPN
amfbr-128	152	70	test	test	PROPN
amfbr-128	152	71	f=1.88	f=1.88	PROPN
amfbr-128	153	1	p	p	X
amfbr-128	153	2	>	>	X
amfbr-128	153	3	f=0.021	f=0.021	NOUN
amfbr-128	153	4	source	source	NOUN
amfbr-128	153	5	:	:	PUNCT
amfbr-128	153	6	stata	stata	VERB
amfbr-128	153	7	output	output	NOUN
amfbr-128	153	8	result	result	NOUN
amfbr-128	153	9	*	*	PUNCT
amfbr-128	153	10	*	*	PUNCT
amfbr-128	153	11	significant	significant	ADJ
amfbr-128	153	12	at	at	ADP
amfbr-128	153	13	5	5	NUM
amfbr-128	153	14	%	%	NOUN
amfbr-128	153	15	test	test	NOUN
amfbr-128	153	16	of	of	ADP
amfbr-128	153	17	hypothesis	hypothesis	NOUN
amfbr-128	153	18	and	and	CCONJ
amfbr-128	153	19	policy	policy	NOUN
amfbr-128	153	20	implication	implication	NOUN
amfbr-128	153	21	there	there	PRON
amfbr-128	153	22	is	be	VERB
amfbr-128	153	23	no	no	DET
amfbr-128	153	24	significant	significant	ADJ
amfbr-128	153	25	effect	effect	NOUN
amfbr-128	153	26	for	for	ADP
amfbr-128	153	27	leverage	leverage	NOUN
amfbr-128	153	28	on	on	ADP
amfbr-128	153	29	return	return	NOUN
amfbr-128	153	30	on	on	ADP
amfbr-128	153	31	asset	asset	NOUN
amfbr-128	153	32	.	.	PUNCT
amfbr-128	154	1	it	it	PRON
amfbr-128	154	2	was	be	AUX
amfbr-128	154	3	found	find	VERB
amfbr-128	154	4	that	that	SCONJ
amfbr-128	154	5	the	the	DET
amfbr-128	154	6	beta	beta	ADJ
amfbr-128	154	7	coefficient	coefficient	NOUN
amfbr-128	154	8	(	(	PUNCT
amfbr-128	154	9	β	β	NOUN
amfbr-128	154	10	)	)	PUNCT
amfbr-128	154	11	of	of	ADP
amfbr-128	154	12	-0.0997178	-0.0997178	NOUN
amfbr-128	154	13	and	and	CCONJ
amfbr-128	154	14	ρ=0.015	ρ=0.015	PROPN
amfbr-128	154	15	at	at	ADP
amfbr-128	154	16	5	5	NUM
amfbr-128	154	17	%	%	NOUN
amfbr-128	154	18	level	level	NOUN
amfbr-128	154	19	of	of	ADP
amfbr-128	154	20	significant	significant	ADJ
amfbr-128	154	21	.	.	PUNCT
amfbr-128	155	1	this	this	PRON
amfbr-128	155	2	implies	imply	VERB
amfbr-128	155	3	that	that	SCONJ
amfbr-128	155	4	an	an	DET
amfbr-128	155	5	increase	increase	NOUN
amfbr-128	155	6	in	in	ADP
amfbr-128	155	7	the	the	DET
amfbr-128	155	8	liabilities	liability	NOUN
amfbr-128	155	9	by	by	ADP
amfbr-128	155	10	1	1	NUM
amfbr-128	155	11	%	%	NOUN
amfbr-128	155	12	will	will	AUX
amfbr-128	155	13	lead	lead	VERB
amfbr-128	155	14	to	to	PART
amfbr-128	155	15	decrease	decrease	VERB
amfbr-128	155	16	in	in	ADP
amfbr-128	155	17	the	the	DET
amfbr-128	155	18	performance	performance	NOUN
amfbr-128	155	19	of	of	ADP
amfbr-128	155	20	the	the	DET
amfbr-128	155	21	study	study	NOUN
amfbr-128	155	22	insurance	insurance	NOUN
amfbr-128	155	23	firm	firm	NOUN
amfbr-128	155	24	by	by	ADP
amfbr-128	155	25	9	9	NUM
amfbr-128	155	26	%	%	NOUN
amfbr-128	155	27	.	.	PUNCT
amfbr-128	156	1	the	the	DET
amfbr-128	156	2	result	result	NOUN
amfbr-128	156	3	suggested	suggest	VERB
amfbr-128	156	4	that	that	SCONJ
amfbr-128	156	5	the	the	DET
amfbr-128	156	6	insurance	insurance	NOUN
amfbr-128	156	7	firms	firm	NOUN
amfbr-128	156	8	should	should	AUX
amfbr-128	156	9	properly	properly	ADV
amfbr-128	156	10	manage	manage	VERB
amfbr-128	156	11	their	their	PRON
amfbr-128	156	12	liabilities	liability	NOUN
amfbr-128	156	13	in	in	ADP
amfbr-128	156	14	order	order	NOUN
amfbr-128	156	15	to	to	PART
amfbr-128	156	16	avoid	avoid	VERB
amfbr-128	156	17	future	future	ADJ
amfbr-128	156	18	insolvency	insolvency	NOUN
amfbr-128	156	19	or	or	CCONJ
amfbr-128	156	20	liquidation	liquidation	NOUN
amfbr-128	156	21	.	.	PUNCT
amfbr-128	157	1	thus	thus	ADV
amfbr-128	157	2	,	,	PUNCT
amfbr-128	157	3	it	it	PRON
amfbr-128	157	4	can	can	AUX
amfbr-128	157	5	be	be	AUX
amfbr-128	157	6	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	ADJ
amfbr-128	157	7	american	american	PROPN
amfbr-128	157	8	finance	finance	PROPN
amfbr-128	157	9	&	&	CCONJ
amfbr-128	157	10	banking	banking	PROPN
amfbr-128	157	11	review	review	PROPN
amfbr-128	157	12	vol	vol	NOUN
amfbr-128	157	13	.	.	PROPN
amfbr-128	158	1	2	2	NUM
amfbr-128	158	2	,	,	PUNCT
amfbr-128	158	3	no	no	INTJ
amfbr-128	158	4	.	.	NOUN
amfbr-128	158	5	1	1	NUM
amfbr-128	158	6	;	;	PUNCT
amfbr-128	158	7	2018	2018	NUM
amfbr-128	158	8	50	50	NUM
amfbr-128	158	9	concluded	conclude	VERB
amfbr-128	158	10	that	that	SCONJ
amfbr-128	158	11	insurers	insurer	NOUN
amfbr-128	158	12	with	with	ADP
amfbr-128	158	13	high	high	ADJ
amfbr-128	158	14	leverage	leverage	NOUN
amfbr-128	158	15	(	(	PUNCT
amfbr-128	158	16	using	use	VERB
amfbr-128	158	17	leverage	leverage	NOUN
amfbr-128	158	18	beyond	beyond	ADP
amfbr-128	158	19	a	a	DET
amfbr-128	158	20	level	level	NOUN
amfbr-128	158	21	)	)	PUNCT
amfbr-128	158	22	will	will	AUX
amfbr-128	158	23	have	have	VERB
amfbr-128	158	24	adverse	adverse	ADJ
amfbr-128	158	25	impact	impact	NOUN
amfbr-128	158	26	on	on	ADP
amfbr-128	158	27	the	the	DET
amfbr-128	158	28	profitability	profitability	NOUN
amfbr-128	158	29	.	.	PUNCT
amfbr-128	159	1	this	this	DET
amfbr-128	159	2	finding	finding	NOUN
amfbr-128	159	3	is	be	AUX
amfbr-128	159	4	against	against	ADP
amfbr-128	159	5	the	the	DET
amfbr-128	159	6	study	study	NOUN
amfbr-128	159	7	results	result	NOUN
amfbr-128	159	8	of	of	ADP
amfbr-128	159	9	(	(	PUNCT
amfbr-128	159	10	charumati	charumati	NOUN
amfbr-128	159	11	,	,	PUNCT
amfbr-128	159	12	2012	2012	NUM
amfbr-128	159	13	)	)	PUNCT
amfbr-128	159	14	.	.	PUNCT
amfbr-128	160	1	the	the	DET
amfbr-128	160	2	study	study	NOUN
amfbr-128	160	3	therefore	therefore	ADV
amfbr-128	160	4	provides	provide	VERB
amfbr-128	160	5	evidence	evidence	NOUN
amfbr-128	160	6	to	to	PART
amfbr-128	160	7	reject	reject	VERB
amfbr-128	160	8	the	the	DET
amfbr-128	160	9	null	null	ADJ
amfbr-128	160	10	hypothesis	hypothesis	NOUN
amfbr-128	160	11	.	.	PUNCT
amfbr-128	161	1	hence	hence	ADV
amfbr-128	161	2	,	,	PUNCT
amfbr-128	161	3	there	there	PRON
amfbr-128	161	4	is	be	VERB
amfbr-128	161	5	a	a	DET
amfbr-128	161	6	significant	significant	ADJ
amfbr-128	161	7	negative	negative	ADJ
amfbr-128	161	8	relationship	relationship	NOUN
amfbr-128	161	9	between	between	ADP
amfbr-128	161	10	insurance	insurance	NOUN
amfbr-128	161	11	leverage	leverage	NOUN
amfbr-128	161	12	and	and	CCONJ
amfbr-128	161	13	return	return	NOUN
amfbr-128	161	14	on	on	ADP
amfbr-128	161	15	assets	asset	NOUN
amfbr-128	161	16	.	.	PUNCT
amfbr-128	162	1	claim	claim	VERB
amfbr-128	162	2	loss	loss	NOUN
amfbr-128	162	3	ratio	ratio	NOUN
amfbr-128	162	4	has	have	VERB
amfbr-128	162	5	no	no	DET
amfbr-128	162	6	significant	significant	ADJ
amfbr-128	162	7	effect	effect	NOUN
amfbr-128	162	8	on	on	ADP
amfbr-128	162	9	the	the	DET
amfbr-128	162	10	return	return	NOUN
amfbr-128	162	11	on	on	ADP
amfbr-128	162	12	assets	asset	NOUN
amfbr-128	162	13	.	.	PUNCT
amfbr-128	163	1	the	the	DET
amfbr-128	163	2	claim	claim	NOUN
amfbr-128	163	3	loss	loss	NOUN
amfbr-128	163	4	ratio	ratio	NOUN
amfbr-128	163	5	has	have	VERB
amfbr-128	163	6	a	a	DET
amfbr-128	163	7	beta	beta	ADJ
amfbr-128	163	8	coefficient	coefficient	NOUN
amfbr-128	163	9	of	of	ADP
amfbr-128	163	10	0.0253039	0.0253039	NUM
amfbr-128	163	11	with	with	ADP
amfbr-128	163	12	a	a	DET
amfbr-128	163	13	p	p	NOUN
amfbr-128	163	14	-	-	PUNCT
amfbr-128	163	15	value	value	NOUN
amfbr-128	163	16	of	of	ADP
amfbr-128	163	17	0.553	0.553	NUM
amfbr-128	163	18	which	which	PRON
amfbr-128	163	19	is	be	AUX
amfbr-128	163	20	insignificant	insignificant	ADJ
amfbr-128	163	21	at	at	ADP
amfbr-128	163	22	5	5	NUM
amfbr-128	163	23	%	%	NOUN
amfbr-128	163	24	level	level	NOUN
amfbr-128	163	25	.	.	PUNCT
amfbr-128	164	1	this	this	PRON
amfbr-128	164	2	implies	imply	VERB
amfbr-128	164	3	that	that	SCONJ
amfbr-128	164	4	for	for	ADP
amfbr-128	164	5	every	every	DET
amfbr-128	164	6	1	1	NUM
amfbr-128	164	7	%	%	NOUN
amfbr-128	164	8	increase	increase	NOUN
amfbr-128	164	9	of	of	ADP
amfbr-128	164	10	claim	claim	NOUN
amfbr-128	164	11	loss	loss	NOUN
amfbr-128	164	12	ratio	ratio	NOUN
amfbr-128	164	13	,	,	PUNCT
amfbr-128	164	14	return	return	VERB
amfbr-128	164	15	on	on	ADP
amfbr-128	164	16	assets	asset	NOUN
amfbr-128	164	17	of	of	ADP
amfbr-128	164	18	insurance	insurance	NOUN
amfbr-128	164	19	companies	company	NOUN
amfbr-128	164	20	in	in	ADP
amfbr-128	164	21	nigeria	nigeria	PROPN
amfbr-128	164	22	will	will	AUX
amfbr-128	164	23	decrease	decrease	VERB
amfbr-128	164	24	by	by	ADP
amfbr-128	164	25	3	3	NUM
amfbr-128	164	26	%	%	NOUN
amfbr-128	164	27	.	.	PUNCT
amfbr-128	165	1	the	the	DET
amfbr-128	165	2	study	study	NOUN
amfbr-128	165	3	is	be	AUX
amfbr-128	165	4	supported	support	VERB
amfbr-128	165	5	by	by	ADP
amfbr-128	165	6	(	(	PUNCT
amfbr-128	165	7	saeed	saeed	PROPN
amfbr-128	165	8	&	&	CCONJ
amfbr-128	165	9	khurram	khurram	PROPN
amfbr-128	165	10	,	,	PUNCT
amfbr-128	165	11	2015	2015	NUM
amfbr-128	165	12	)	)	PUNCT
amfbr-128	165	13	.	.	PUNCT
amfbr-128	166	1	this	this	PRON
amfbr-128	166	2	provides	provide	VERB
amfbr-128	166	3	evidence	evidence	NOUN
amfbr-128	166	4	for	for	SCONJ
amfbr-128	166	5	us	we	PRON
amfbr-128	166	6	to	to	PART
amfbr-128	166	7	accept	accept	VERB
amfbr-128	166	8	the	the	DET
amfbr-128	166	9	null	null	ADJ
amfbr-128	166	10	hypothesis	hypothesis	NOUN
amfbr-128	166	11	and	and	CCONJ
amfbr-128	166	12	conclude	conclude	VERB
amfbr-128	166	13	that	that	PRON
amfbr-128	166	14	claim	claim	VERB
amfbr-128	166	15	loss	loss	NOUN
amfbr-128	166	16	ratio	ratio	NOUN
amfbr-128	166	17	has	have	VERB
amfbr-128	166	18	negative	negative	ADJ
amfbr-128	166	19	and	and	CCONJ
amfbr-128	166	20	insignificant	insignificant	ADJ
amfbr-128	166	21	effect	effect	NOUN
amfbr-128	166	22	on	on	ADP
amfbr-128	166	23	return	return	NOUN
amfbr-128	166	24	on	on	ADP
amfbr-128	166	25	assets	asset	NOUN
amfbr-128	166	26	of	of	ADP
amfbr-128	166	27	listed	list	VERB
amfbr-128	166	28	insurance	insurance	NOUN
amfbr-128	166	29	firms	firm	NOUN
amfbr-128	166	30	in	in	ADP
amfbr-128	166	31	nigeria	nigeria	PROPN
amfbr-128	166	32	.	.	PUNCT
amfbr-128	167	1	finally	finally	ADV
amfbr-128	167	2	,	,	PUNCT
amfbr-128	167	3	premium	premium	NOUN
amfbr-128	167	4	growth	growth	NOUN
amfbr-128	167	5	has	have	VERB
amfbr-128	167	6	no	no	DET
amfbr-128	167	7	significant	significant	ADJ
amfbr-128	167	8	effect	effect	NOUN
amfbr-128	167	9	on	on	ADP
amfbr-128	167	10	the	the	DET
amfbr-128	167	11	return	return	NOUN
amfbr-128	167	12	on	on	ADP
amfbr-128	167	13	assets	asset	NOUN
amfbr-128	167	14	.	.	PUNCT
amfbr-128	168	1	the	the	DET
amfbr-128	168	2	computed	compute	VERB
amfbr-128	168	3	value	value	NOUN
amfbr-128	168	4	of	of	ADP
amfbr-128	168	5	beta	beta	ADJ
amfbr-128	168	6	coefficient	coefficient	NOUN
amfbr-128	168	7	is	be	AUX
amfbr-128	168	8	0.0231079	0.0231079	NUM
amfbr-128	168	9	with	with	ADP
amfbr-128	168	10	p	p	NOUN
amfbr-128	168	11	-	-	PUNCT
amfbr-128	168	12	value	value	NOUN
amfbr-128	168	13	of	of	ADP
amfbr-128	168	14	0.344	0.344	NUM
amfbr-128	168	15	;	;	PUNCT
amfbr-128	168	16	therefore	therefore	ADV
amfbr-128	168	17	,	,	PUNCT
amfbr-128	168	18	premium	premium	ADJ
amfbr-128	168	19	growth	growth	NOUN
amfbr-128	168	20	has	have	VERB
amfbr-128	168	21	a	a	DET
amfbr-128	168	22	positive	positive	ADJ
amfbr-128	168	23	relationship	relationship	NOUN
amfbr-128	168	24	with	with	ADP
amfbr-128	168	25	return	return	NOUN
amfbr-128	168	26	on	on	ADP
amfbr-128	168	27	assets	asset	NOUN
amfbr-128	168	28	and	and	CCONJ
amfbr-128	168	29	is	be	AUX
amfbr-128	168	30	found	find	VERB
amfbr-128	168	31	to	to	PART
amfbr-128	168	32	be	be	AUX
amfbr-128	168	33	statistically	statistically	ADV
amfbr-128	168	34	insignificant	insignificant	ADJ
amfbr-128	168	35	.	.	PUNCT
amfbr-128	169	1	this	this	PRON
amfbr-128	169	2	implies	imply	VERB
amfbr-128	169	3	that	that	SCONJ
amfbr-128	169	4	an	an	DET
amfbr-128	169	5	increase	increase	NOUN
amfbr-128	169	6	in	in	ADP
amfbr-128	169	7	premium	premium	ADJ
amfbr-128	169	8	growth	growth	NOUN
amfbr-128	169	9	by	by	ADP
amfbr-128	169	10	1	1	NUM
amfbr-128	169	11	%	%	NOUN
amfbr-128	169	12	will	will	AUX
amfbr-128	169	13	result	result	VERB
amfbr-128	169	14	to	to	ADP
amfbr-128	169	15	2	2	NUM
amfbr-128	169	16	%	%	NOUN
amfbr-128	169	17	increase	increase	NOUN
amfbr-128	169	18	in	in	ADP
amfbr-128	169	19	return	return	NOUN
amfbr-128	169	20	on	on	ADP
amfbr-128	169	21	asset	asset	NOUN
amfbr-128	169	22	.	.	PUNCT
amfbr-128	170	1	this	this	PRON
amfbr-128	170	2	indicate	indicate	VERB
amfbr-128	170	3	that	that	SCONJ
amfbr-128	170	4	the	the	DET
amfbr-128	170	5	higher	high	ADJ
amfbr-128	170	6	premium	premium	NOUN
amfbr-128	170	7	growth	growth	NOUN
amfbr-128	170	8	over	over	ADP
amfbr-128	170	9	the	the	DET
amfbr-128	170	10	study	study	NOUN
amfbr-128	170	11	period	period	NOUN
amfbr-128	170	12	,	,	PUNCT
amfbr-128	170	13	the	the	PRON
amfbr-128	170	14	better	well	ADJ
amfbr-128	170	15	the	the	DET
amfbr-128	170	16	returns	return	NOUN
amfbr-128	170	17	on	on	ADP
amfbr-128	170	18	asset	asset	NOUN
amfbr-128	170	19	and	and	CCONJ
amfbr-128	170	20	this	this	DET
amfbr-128	170	21	increase	increase	NOUN
amfbr-128	170	22	in	in	ADP
amfbr-128	170	23	the	the	DET
amfbr-128	170	24	insurance	insurance	NOUN
amfbr-128	170	25	firms	firm	NOUN
amfbr-128	170	26	profitability	profitability	NOUN
amfbr-128	170	27	is	be	AUX
amfbr-128	170	28	at	at	ADP
amfbr-128	170	29	a	a	DET
amfbr-128	170	30	marginal	marginal	ADJ
amfbr-128	170	31	level	level	NOUN
amfbr-128	170	32	.	.	PUNCT
amfbr-128	171	1	this	this	DET
amfbr-128	171	2	result	result	NOUN
amfbr-128	171	3	is	be	AUX
amfbr-128	171	4	in	in	ADP
amfbr-128	171	5	line	line	NOUN
amfbr-128	171	6	with	with	ADP
amfbr-128	171	7	the	the	DET
amfbr-128	171	8	findings	finding	NOUN
amfbr-128	171	9	of	of	ADP
amfbr-128	171	10	(	(	PUNCT
amfbr-128	171	11	(	(	PUNCT
amfbr-128	171	12	mehari	mehari	PROPN
amfbr-128	171	13	&	&	CCONJ
amfbr-128	171	14	aemiro	aemiro	PROPN
amfbr-128	171	15	,	,	PUNCT
amfbr-128	171	16	2013	2013	NUM
amfbr-128	171	17	)	)	PUNCT
amfbr-128	171	18	.	.	PUNCT
amfbr-128	172	1	this	this	PRON
amfbr-128	172	2	provides	provide	VERB
amfbr-128	172	3	evidence	evidence	NOUN
amfbr-128	172	4	for	for	SCONJ
amfbr-128	172	5	us	we	PRON
amfbr-128	172	6	to	to	PART
amfbr-128	172	7	accept	accept	VERB
amfbr-128	172	8	the	the	DET
amfbr-128	172	9	null	null	ADJ
amfbr-128	172	10	hypothesis	hypothesis	NOUN
amfbr-128	172	11	and	and	CCONJ
amfbr-128	172	12	concluded	conclude	VERB
amfbr-128	172	13	that	that	SCONJ
amfbr-128	172	14	the	the	DET
amfbr-128	172	15	premium	premium	NOUN
amfbr-128	172	16	growth	growth	NOUN
amfbr-128	172	17	has	have	VERB
amfbr-128	172	18	no	no	DET
amfbr-128	172	19	significant	significant	ADJ
amfbr-128	172	20	effect	effect	NOUN
amfbr-128	172	21	on	on	ADP
amfbr-128	172	22	return	return	NOUN
amfbr-128	172	23	on	on	ADP
amfbr-128	172	24	assets	asset	NOUN
amfbr-128	172	25	.	.	PUNCT
amfbr-128	173	1	5	5	X
amfbr-128	173	2	.	.	X
amfbr-128	173	3	conclusion	conclusion	NOUN
amfbr-128	173	4	and	and	CCONJ
amfbr-128	173	5	recommendation	recommendation	NOUN
amfbr-128	173	6	in	in	ADP
amfbr-128	173	7	this	this	DET
amfbr-128	173	8	study	study	NOUN
amfbr-128	173	9	,	,	PUNCT
amfbr-128	173	10	the	the	DET
amfbr-128	173	11	empirical	empirical	ADJ
amfbr-128	173	12	analysis	analysis	NOUN
amfbr-128	173	13	of	of	ADP
amfbr-128	173	14	examining	examine	VERB
amfbr-128	173	15	the	the	DET
amfbr-128	173	16	effect	effect	NOUN
amfbr-128	173	17	of	of	ADP
amfbr-128	173	18	liquidity	liquidity	NOUN
amfbr-128	173	19	risk	risk	NOUN
amfbr-128	173	20	on	on	ADP
amfbr-128	173	21	the	the	DET
amfbr-128	173	22	performance	performance	NOUN
amfbr-128	173	23	of	of	ADP
amfbr-128	173	24	insurance	insurance	NOUN
amfbr-128	173	25	firms	firm	NOUN
amfbr-128	173	26	in	in	ADP
amfbr-128	173	27	nigeria	nigeria	PROPN
amfbr-128	173	28	was	be	AUX
amfbr-128	173	29	conducted	conduct	VERB
amfbr-128	173	30	using	use	VERB
amfbr-128	173	31	a	a	DET
amfbr-128	173	32	panel	panel	NOUN
amfbr-128	173	33	data	datum	NOUN
amfbr-128	173	34	set	set	VERB
amfbr-128	173	35	consisting	consist	VERB
amfbr-128	173	36	of	of	ADP
amfbr-128	173	37	financial	financial	ADJ
amfbr-128	173	38	data	datum	NOUN
amfbr-128	173	39	of	of	ADP
amfbr-128	173	40	twelve	twelve	NUM
amfbr-128	173	41	insurance	insurance	NOUN
amfbr-128	173	42	companies	company	NOUN
amfbr-128	173	43	over	over	ADP
amfbr-128	173	44	the	the	DET
amfbr-128	173	45	period	period	NOUN
amfbr-128	173	46	of	of	ADP
amfbr-128	173	47	2011	2011	NUM
amfbr-128	173	48	to	to	ADP
amfbr-128	173	49	2015	2015	NUM
amfbr-128	173	50	.	.	PUNCT
amfbr-128	174	1	the	the	DET
amfbr-128	174	2	results	result	NOUN
amfbr-128	174	3	of	of	ADP
amfbr-128	174	4	panel	panel	NOUN
amfbr-128	174	5	multiple	multiple	ADJ
amfbr-128	174	6	regression	regression	NOUN
amfbr-128	174	7	analysis	analysis	NOUN
amfbr-128	174	8	revealed	reveal	VERB
amfbr-128	174	9	that	that	SCONJ
amfbr-128	174	10	leverage	leverage	NOUN
amfbr-128	174	11	are	be	AUX
amfbr-128	174	12	negative	negative	ADJ
amfbr-128	174	13	and	and	CCONJ
amfbr-128	174	14	statistically	statistically	ADV
amfbr-128	174	15	significant	significant	ADJ
amfbr-128	174	16	to	to	PART
amfbr-128	174	17	explain	explain	VERB
amfbr-128	174	18	performance	performance	NOUN
amfbr-128	174	19	of	of	ADP
amfbr-128	174	20	insurance	insurance	NOUN
amfbr-128	174	21	companies	company	NOUN
amfbr-128	174	22	in	in	ADP
amfbr-128	174	23	nigeria	nigeria	PROPN
amfbr-128	174	24	.	.	PUNCT
amfbr-128	175	1	claim	claim	VERB
amfbr-128	175	2	loss	loss	NOUN
amfbr-128	175	3	and	and	CCONJ
amfbr-128	175	4	premium	premium	NOUN
amfbr-128	175	5	growth	growth	NOUN
amfbr-128	175	6	have	have	VERB
amfbr-128	175	7	no	no	DET
amfbr-128	175	8	a	a	DET
amfbr-128	175	9	statistical	statistical	ADJ
amfbr-128	175	10	significant	significant	ADJ
amfbr-128	175	11	relationship	relationship	NOUN
amfbr-128	175	12	with	with	ADP
amfbr-128	175	13	performance	performance	NOUN
amfbr-128	175	14	of	of	ADP
amfbr-128	175	15	insurance	insurance	NOUN
amfbr-128	175	16	firms	firm	NOUN
amfbr-128	175	17	in	in	ADP
amfbr-128	175	18	nigeria	nigeria	PROPN
amfbr-128	175	19	.	.	PUNCT
amfbr-128	176	1	the	the	DET
amfbr-128	176	2	result	result	NOUN
amfbr-128	176	3	of	of	ADP
amfbr-128	176	4	the	the	DET
amfbr-128	176	5	study	study	NOUN
amfbr-128	176	6	also	also	ADV
amfbr-128	176	7	shows	show	VERB
amfbr-128	176	8	that	that	SCONJ
amfbr-128	176	9	insurance	insurance	NOUN
amfbr-128	176	10	firms	firm	NOUN
amfbr-128	176	11	claim	claim	VERB
amfbr-128	176	12	loss	loss	NOUN
amfbr-128	176	13	was	be	AUX
amfbr-128	176	14	negatively	negatively	ADV
amfbr-128	176	15	related	relate	VERB
amfbr-128	176	16	to	to	ADP
amfbr-128	176	17	performance	performance	NOUN
amfbr-128	176	18	(	(	PUNCT
amfbr-128	176	19	roa	roa	NOUN
amfbr-128	176	20	)	)	PUNCT
amfbr-128	176	21	while	while	SCONJ
amfbr-128	176	22	premium	premium	ADJ
amfbr-128	176	23	growth	growth	NOUN
amfbr-128	176	24	were	be	AUX
amfbr-128	176	25	positively	positively	ADV
amfbr-128	176	26	related	relate	VERB
amfbr-128	176	27	to	to	ADP
amfbr-128	176	28	insurance	insurance	NOUN
amfbr-128	176	29	performance	performance	NOUN
amfbr-128	176	30	.	.	PUNCT
amfbr-128	177	1	the	the	DET
amfbr-128	177	2	researcher	researcher	NOUN
amfbr-128	177	3	therefore	therefore	ADV
amfbr-128	177	4	recommends	recommend	VERB
amfbr-128	177	5	that	that	SCONJ
amfbr-128	177	6	there	there	PRON
amfbr-128	177	7	is	be	VERB
amfbr-128	177	8	need	need	NOUN
amfbr-128	177	9	to	to	PART
amfbr-128	177	10	invest	invest	VERB
amfbr-128	177	11	on	on	ADP
amfbr-128	177	12	measures	measure	NOUN
amfbr-128	177	13	to	to	PART
amfbr-128	177	14	curb	curb	VERB
amfbr-128	177	15	liquidity	liquidity	NOUN
amfbr-128	177	16	risk	risk	NOUN
amfbr-128	177	17	in	in	ADP
amfbr-128	177	18	these	these	DET
amfbr-128	177	19	companies	company	NOUN
amfbr-128	177	20	in	in	ADP
amfbr-128	177	21	order	order	NOUN
amfbr-128	177	22	to	to	PART
amfbr-128	177	23	have	have	AUX
amfbr-128	177	24	a	a	DET
amfbr-128	177	25	sound	sound	ADJ
amfbr-128	177	26	financial	financial	ADJ
amfbr-128	177	27	performance	performance	NOUN
amfbr-128	177	28	and	and	CCONJ
amfbr-128	177	29	manage	manage	VERB
amfbr-128	177	30	properly	properly	ADV
amfbr-128	177	31	the	the	DET
amfbr-128	177	32	leverage	leverage	NOUN
amfbr-128	177	33	of	of	ADP
amfbr-128	177	34	the	the	DET
amfbr-128	177	35	insurance	insurance	NOUN
amfbr-128	177	36	companies	company	NOUN
amfbr-128	177	37	.	.	PUNCT
amfbr-128	178	1	these	these	DET
amfbr-128	178	2	risks	risk	NOUN
amfbr-128	178	3	can	can	AUX
amfbr-128	178	4	be	be	AUX
amfbr-128	178	5	avoided	avoid	VERB
amfbr-128	178	6	by	by	ADP
amfbr-128	178	7	ensuring	ensure	VERB
amfbr-128	178	8	correct	correct	ADJ
amfbr-128	178	9	and	and	CCONJ
amfbr-128	178	10	effective	effective	ADJ
amfbr-128	178	11	measures	measure	NOUN
amfbr-128	178	12	are	be	AUX
amfbr-128	178	13	in	in	ADP
amfbr-128	178	14	place	place	NOUN
amfbr-128	178	15	.	.	PUNCT
amfbr-128	179	1	potential	potential	ADJ
amfbr-128	179	2	investors	investor	NOUN
amfbr-128	179	3	,	,	PUNCT
amfbr-128	179	4	shareholders	shareholder	NOUN
amfbr-128	179	5	and	and	CCONJ
amfbr-128	179	6	managers	manager	NOUN
amfbr-128	179	7	should	should	AUX
amfbr-128	179	8	monitor	monitor	VERB
amfbr-128	179	9	the	the	DET
amfbr-128	179	10	leverage	leverage	NOUN
amfbr-128	179	11	,	,	PUNCT
amfbr-128	179	12	claim	claim	VERB
amfbr-128	179	13	loss	loss	NOUN
amfbr-128	179	14	levels	level	NOUN
amfbr-128	179	15	and	and	CCONJ
amfbr-128	179	16	the	the	DET
amfbr-128	179	17	growth	growth	NOUN
amfbr-128	179	18	of	of	ADP
amfbr-128	179	19	firm	firm	NOUN
amfbr-128	179	20	’s	’s	PART
amfbr-128	179	21	premium	premium	NOUN
amfbr-128	179	22	they	they	PRON
amfbr-128	179	23	intend	intend	VERB
amfbr-128	179	24	to	to	PART
amfbr-128	179	25	invest	invest	VERB
amfbr-128	179	26	in	in	ADP
amfbr-128	179	27	,	,	PUNCT
amfbr-128	179	28	so	so	SCONJ
amfbr-128	179	29	as	as	SCONJ
amfbr-128	179	30	to	to	PART
amfbr-128	179	31	check	check	VERB
amfbr-128	179	32	whether	whether	SCONJ
amfbr-128	179	33	they	they	PRON
amfbr-128	179	34	are	be	AUX
amfbr-128	179	35	questionable	questionable	ADJ
amfbr-128	179	36	or	or	CCONJ
amfbr-128	179	37	favorable	favorable	ADJ
amfbr-128	179	38	.	.	PUNCT
amfbr-128	180	1	this	this	PRON
amfbr-128	180	2	will	will	AUX
amfbr-128	180	3	help	help	VERB
amfbr-128	180	4	these	these	DET
amfbr-128	180	5	investors	investor	NOUN
amfbr-128	180	6	in	in	ADP
amfbr-128	180	7	making	make	VERB
amfbr-128	180	8	wise	wise	ADJ
amfbr-128	180	9	investment	investment	NOUN
amfbr-128	180	10	decisions	decision	NOUN
amfbr-128	180	11	.	.	PUNCT
amfbr-128	181	1	this	this	PRON
amfbr-128	181	2	will	will	AUX
amfbr-128	181	3	benefit	benefit	VERB
amfbr-128	181	4	investors	investor	NOUN
amfbr-128	181	5	to	to	PART
amfbr-128	181	6	take	take	VERB
amfbr-128	181	7	advantage	advantage	NOUN
amfbr-128	181	8	on	on	ADP
amfbr-128	181	9	the	the	DET
amfbr-128	181	10	investment	investment	NOUN
amfbr-128	181	11	opportunities	opportunity	NOUN
amfbr-128	181	12	available	available	ADJ
amfbr-128	181	13	when	when	SCONJ
amfbr-128	181	14	these	these	DET
amfbr-128	181	15	variables	variable	NOUN
amfbr-128	181	16	vary	vary	VERB
amfbr-128	181	17	.	.	PUNCT
amfbr-128	182	1	while	while	SCONJ
amfbr-128	182	2	this	this	DET
amfbr-128	182	3	study	study	NOUN
amfbr-128	182	4	provides	provide	VERB
amfbr-128	182	5	some	some	DET
amfbr-128	182	6	insights	insight	NOUN
amfbr-128	182	7	of	of	ADP
amfbr-128	182	8	the	the	DET
amfbr-128	182	9	study	study	NOUN
amfbr-128	182	10	variables	variable	NOUN
amfbr-128	182	11	,	,	PUNCT
amfbr-128	182	12	the	the	DET
amfbr-128	182	13	implications	implication	NOUN
amfbr-128	182	14	of	of	ADP
amfbr-128	182	15	the	the	DET
amfbr-128	182	16	new	new	ADJ
amfbr-128	182	17	liquidity	liquidity	NOUN
amfbr-128	182	18	frameworks	framework	NOUN
amfbr-128	182	19	proposed	propose	VERB
amfbr-128	182	20	by	by	ADP
amfbr-128	182	21	the	the	DET
amfbr-128	182	22	study	study	NOUN
amfbr-128	182	23	warrants	warrant	NOUN
amfbr-128	182	24	further	further	ADJ
amfbr-128	182	25	research	research	NOUN
amfbr-128	182	26	.	.	PUNCT
amfbr-128	183	1	references	reference	NOUN
amfbr-128	183	2	ahmed	ahme	VERB
amfbr-128	183	3	,	,	PUNCT
amfbr-128	183	4	n.	n.	PROPN
amfbr-128	183	5	,	,	PUNCT
amfbr-128	183	6	ahmed	ahmed	PROPN
amfbr-128	183	7	,	,	PUNCT
amfbr-128	183	8	a.	a.	PROPN
amfbr-128	183	9	,	,	PUNCT
amfbr-128	183	10	&	&	CCONJ
amfbr-128	183	11	usman	usman	PROPN
amfbr-128	183	12	,	,	PUNCT
amfbr-128	183	13	a.	a.	NOUN
amfbr-128	183	14	(	(	PUNCT
amfbr-128	183	15	2011	2011	NUM
amfbr-128	183	16	)	)	PUNCT
amfbr-128	183	17	.	.	PUNCT
amfbr-128	184	1	determinants	determinant	NOUN
amfbr-128	184	2	of	of	ADP
amfbr-128	184	3	performance	performance	NOUN
amfbr-128	184	4	:	:	PUNCT
amfbr-128	184	5	a	a	DET
amfbr-128	184	6	case	case	NOUN
amfbr-128	184	7	of	of	ADP
amfbr-128	184	8	life	life	NOUN
amfbr-128	184	9	insurance	insurance	NOUN
amfbr-128	184	10	sector	sector	NOUN
amfbr-128	184	11	of	of	ADP
amfbr-128	184	12	pakistan	pakistan	PROPN
amfbr-128	184	13	.	.	PUNCT
amfbr-128	185	1	international	international	ADJ
amfbr-128	185	2	research	research	PROPN
amfbr-128	185	3	journal	journal	NOUN
amfbr-128	185	4	of	of	ADP
amfbr-128	185	5	finance	finance	NOUN
amfbr-128	185	6	and	and	CCONJ
amfbr-128	185	7	economics	economic	NOUN
amfbr-128	185	8	(	(	PUNCT
amfbr-128	185	9	61	61	NUM
amfbr-128	185	10	)	)	PUNCT
amfbr-128	185	11	,	,	PUNCT
amfbr-128	185	12	123	123	NUM
amfbr-128	185	13	-	-	SYM
amfbr-128	185	14	128	128	NUM
amfbr-128	185	15	.	.	PUNCT
amfbr-128	185	16	ali	ali	PROPN
amfbr-128	185	17	,	,	PUNCT
amfbr-128	185	18	f.	f.	PROPN
amfbr-128	185	19	a.	a.	PROPN
amfbr-128	185	20	,	,	PUNCT
amfbr-128	185	21	mohammed	mohammed	PROPN
amfbr-128	185	22	,	,	PUNCT
amfbr-128	185	23	s.b	s.b	PROPN
amfbr-128	185	24	.	.	PROPN
amfbr-128	185	25	,	,	PUNCT
amfbr-128	185	26	&	&	CCONJ
amfbr-128	185	27	amer	amer	PROPN
amfbr-128	185	28	,	,	PUNCT
amfbr-128	185	29	m.a	m.a	PROPN
amfbr-128	185	30	.	.	PROPN
amfbr-128	185	31	,	,	PUNCT
amfbr-128	185	32	(	(	PUNCT
amfbr-128	185	33	2015	2015	NUM
amfbr-128	185	34	)	)	PUNCT
amfbr-128	185	35	,	,	PUNCT
amfbr-128	185	36	corporate	corporate	ADJ
amfbr-128	185	37	governance	governance	NOUN
amfbr-128	185	38	,	,	PUNCT
amfbr-128	185	39	firm	firm	ADJ
amfbr-128	185	40	attributes	attribute	NOUN
amfbr-128	185	41	and	and	CCONJ
amfbr-128	185	42	financial	financial	ADJ
amfbr-128	185	43	performance	performance	NOUN
amfbr-128	185	44	of	of	ADP
amfbr-128	185	45	saudi	saudi	ADJ
amfbr-128	185	46	listed	list	VERB
amfbr-128	185	47	banks	bank	NOUN
amfbr-128	185	48	.	.	PUNCT
amfbr-128	186	1	world	world	PROPN
amfbr-128	186	2	review	review	PROPN
amfbr-128	186	3	of	of	ADP
amfbr-128	186	4	business	business	NOUN
amfbr-128	186	5	research	research	NOUN
amfbr-128	186	6	,	,	PUNCT
amfbr-128	186	7	5	5	NUM
amfbr-128	186	8	(	(	PUNCT
amfbr-128	186	9	3	3	NUM
amfbr-128	186	10	)	)	PUNCT
amfbr-128	186	11	.	.	PUNCT
amfbr-128	187	1	agnes	agnes	PROPN
amfbr-128	187	2	,	,	PUNCT
amfbr-128	187	3	w	w	PROPN
amfbr-128	187	4	k.	k.	PROPN
amfbr-128	187	5	,	,	PUNCT
amfbr-128	187	6	(	(	PUNCT
amfbr-128	187	7	2013	2013	NUM
amfbr-128	187	8	)	)	PUNCT
amfbr-128	187	9	relationship	relationship	NOUN
amfbr-128	187	10	between	between	ADP
amfbr-128	187	11	firm	firm	ADJ
amfbr-128	187	12	characteristics	characteristic	NOUN
amfbr-128	187	13	and	and	CCONJ
amfbr-128	187	14	financial	financial	ADJ
amfbr-128	187	15	performance	performance	NOUN
amfbr-128	187	16	of	of	ADP
amfbr-128	187	17	life	life	NOUN
amfbr-128	187	18	insurance	insurance	NOUN
amfbr-128	187	19	companies	company	NOUN
amfbr-128	187	20	in	in	ADP
amfbr-128	187	21	kenya	kenya	PROPN
amfbr-128	187	22	.	.	PUNCT
amfbr-128	188	1	unpublished	unpublished	ADJ
amfbr-128	188	2	master	master	NOUN
amfbr-128	188	3	of	of	ADP
amfbr-128	188	4	science	science	NOUN
amfbr-128	188	5	in	in	ADP
amfbr-128	188	6	finance	finance	NOUN
amfbr-128	188	7	,	,	PUNCT
amfbr-128	188	8	university	university	NOUN
amfbr-128	188	9	of	of	ADP
amfbr-128	188	10	nairobi	nairobi	PROPN
amfbr-128	188	11	.	.	PUNCT
amfbr-128	189	1	ail	ail	PROPN
amfbr-128	189	2	,	,	PUNCT
amfbr-128	189	3	n.	n.	NOUN
amfbr-128	189	4	,	,	PUNCT
amfbr-128	189	5	tabari	tabari	PROPN
amfbr-128	189	6	,	,	PUNCT
amfbr-128	189	7	y.	y.	PROPN
amfbr-128	189	8	,	,	PUNCT
amfbr-128	189	9	ahmadi	ahmadi	PROPN
amfbr-128	189	10	,	,	PUNCT
amfbr-128	189	11	m.	m.	NOUN
amfbr-128	189	12	,	,	PUNCT
amfbr-128	189	13	&	&	CCONJ
amfbr-128	189	14	emami	emami	PROPN
amfbr-128	189	15	,	,	PUNCT
amfbr-128	189	16	m.	m.	NOUN
amfbr-128	189	17	(	(	PUNCT
amfbr-128	189	18	2013	2013	NUM
amfbr-128	189	19	)	)	PUNCT
amfbr-128	189	20	.	.	PUNCT
amfbr-128	190	1	the	the	DET
amfbr-128	190	2	effect	effect	NOUN
amfbr-128	190	3	of	of	ADP
amfbr-128	190	4	liquidity	liquidity	NOUN
amfbr-128	190	5	risk	risk	NOUN
amfbr-128	190	6	on	on	ADP
amfbr-128	190	7	the	the	DET
amfbr-128	190	8	performance	performance	NOUN
amfbr-128	190	9	of	of	ADP
amfbr-128	190	10	commercial	commercial	ADJ
amfbr-128	190	11	banks	bank	NOUN
amfbr-128	190	12	.	.	PUNCT
amfbr-128	191	1	international	international	ADJ
amfbr-128	191	2	research	research	PROPN
amfbr-128	191	3	journal	journal	NOUN
amfbr-128	191	4	of	of	ADP
amfbr-128	191	5	applied	apply	VERB
amfbr-128	191	6	and	and	CCONJ
amfbr-128	191	7	basic	basic	ADJ
amfbr-128	191	8	sciences	science	NOUN
amfbr-128	191	9	,	,	PUNCT
amfbr-128	191	10	4(6	4(6	NUM
amfbr-128	191	11	)	)	PUNCT
amfbr-128	191	12	,	,	PUNCT
amfbr-128	191	13	1624–1631	1624–1631	NUM
amfbr-128	191	14	.	.	PUNCT
amfbr-128	192	1	cucinelli	cucinelli	PROPN
amfbr-128	192	2	,	,	PUNCT
amfbr-128	192	3	d.	d.	PROPN
amfbr-128	192	4	(	(	PUNCT
amfbr-128	192	5	2013	2013	NUM
amfbr-128	192	6	)	)	PUNCT
amfbr-128	192	7	.	.	PUNCT
amfbr-128	193	1	the	the	DET
amfbr-128	193	2	relationship	relationship	NOUN
amfbr-128	193	3	between	between	ADP
amfbr-128	193	4	liquidity	liquidity	NOUN
amfbr-128	193	5	risk	risk	NOUN
amfbr-128	193	6	and	and	CCONJ
amfbr-128	193	7	probability	probability	NOUN
amfbr-128	193	8	of	of	ADP
amfbr-128	193	9	default	default	NOUN
amfbr-128	193	10	:	:	PUNCT
amfbr-128	193	11	evidence	evidence	NOUN
amfbr-128	193	12	from	from	ADP
amfbr-128	193	13	the	the	DET
amfbr-128	193	14	euro	euro	PROPN
amfbr-128	193	15	area	area	NOUN
amfbr-128	193	16	.	.	PUNCT
amfbr-128	194	1	risk	risk	NOUN
amfbr-128	194	2	governance	governance	NOUN
amfbr-128	194	3	and	and	CCONJ
amfbr-128	194	4	control	control	NOUN
amfbr-128	194	5	:	:	PUNCT
amfbr-128	194	6	financial	financial	ADJ
amfbr-128	194	7	markets	market	NOUN
amfbr-128	194	8	and	and	CCONJ
amfbr-128	194	9	institutions	institution	NOUN
amfbr-128	194	10	,	,	PUNCT
amfbr-128	194	11	3(1	3(1	NUM
amfbr-128	194	12	)	)	PUNCT
amfbr-128	194	13	,	,	PUNCT
amfbr-128	194	14	42–50	42–50	NOUN
amfbr-128	194	15	.	.	PUNCT
amfbr-128	195	1	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	PROPN
amfbr-128	195	2	american	american	PROPN
amfbr-128	195	3	finance	finance	PROPN
amfbr-128	195	4	&	&	CCONJ
amfbr-128	195	5	banking	banking	PROPN
amfbr-128	195	6	review	review	PROPN
amfbr-128	195	7	vol	vol	NOUN
amfbr-128	195	8	.	.	PROPN
amfbr-128	196	1	2	2	NUM
amfbr-128	196	2	,	,	PUNCT
amfbr-128	196	3	no	no	INTJ
amfbr-128	196	4	.	.	NOUN
amfbr-128	196	5	1	1	NUM
amfbr-128	196	6	;	;	PUNCT
amfbr-128	196	7	2018	2018	NUM
amfbr-128	196	8	51	51	NUM
amfbr-128	196	9	charumati	charumati	NOUN
amfbr-128	196	10	,	,	PUNCT
amfbr-128	196	11	b	b	PROPN
amfbr-128	196	12	(	(	PUNCT
amfbr-128	196	13	2012	2012	NUM
amfbr-128	196	14	)	)	PUNCT
amfbr-128	196	15	.	.	PUNCT
amfbr-128	197	1	on	on	ADP
amfbr-128	197	2	the	the	DET
amfbr-128	197	3	determinants	determinant	NOUN
amfbr-128	197	4	of	of	ADP
amfbr-128	197	5	profitability	profitability	NOUN
amfbr-128	197	6	of	of	ADP
amfbr-128	197	7	indian	indian	ADJ
amfbr-128	197	8	life	life	NOUN
amfbr-128	197	9	insurance	insurance	NOUN
amfbr-128	197	10	.	.	PUNCT
amfbr-128	198	1	an	an	DET
amfbr-128	198	2	empirical	empirical	ADJ
amfbr-128	198	3	study	study	NOUN
amfbr-128	198	4	,	,	PUNCT
amfbr-128	198	5	proceedings	proceeding	NOUN
amfbr-128	198	6	of	of	ADP
amfbr-128	198	7	the	the	DET
amfbr-128	198	8	world	world	NOUN
amfbr-128	198	9	congress	congress	PROPN
amfbr-128	198	10	on	on	ADP
amfbr-128	198	11	engineering	engineering	NOUN
amfbr-128	198	12	.	.	PUNCT
amfbr-128	199	1	vol.1	vol.1	INTJ
amfbr-128	199	2	.	.	PUNCT
amfbr-128	200	1	london	london	PROPN
amfbr-128	200	2	uk	uk	PROPN
amfbr-128	200	3	.	.	PUNCT
amfbr-128	200	4	(	(	PUNCT
amfbr-128	200	5	www.iaeg.org/publications/wae2012	www.iaeg.org/publications/wae2012	PROPN
amfbr-128	200	6	)	)	PUNCT
amfbr-128	200	7	.	.	PUNCT
amfbr-128	201	1	daare	daare	NOUN
amfbr-128	201	2	,	,	PUNCT
amfbr-128	201	3	w.	w.	PROPN
amfbr-128	201	4	j.	j.	PROPN
amfbr-128	201	5	(	(	PUNCT
amfbr-128	201	6	2016	2016	NUM
amfbr-128	201	7	)	)	PUNCT
amfbr-128	201	8	.	.	PUNCT
amfbr-128	202	1	determinants	determinant	NOUN
amfbr-128	202	2	of	of	ADP
amfbr-128	202	3	non	non	ADJ
amfbr-128	202	4	-	-	ADJ
amfbr-128	202	5	life	life	ADJ
amfbr-128	202	6	insurance	insurance	NOUN
amfbr-128	202	7	companies	company	NOUN
amfbr-128	202	8	profitability	profitability	VERB
amfbr-128	202	9	:	:	PUNCT
amfbr-128	202	10	an	an	DET
amfbr-128	202	11	empirical	empirical	ADJ
amfbr-128	202	12	study	study	NOUN
amfbr-128	202	13	in	in	ADP
amfbr-128	202	14	india	india	PROPN
amfbr-128	202	15	.	.	PUNCT
amfbr-128	203	1	international	international	ADJ
amfbr-128	203	2	journal	journal	PROPN
amfbr-128	203	3	of	of	ADP
amfbr-128	203	4	innovative	innovative	ADJ
amfbr-128	203	5	research	research	NOUN
amfbr-128	203	6	and	and	CCONJ
amfbr-128	203	7	advanced	advanced	ADJ
amfbr-128	203	8	studies	study	NOUN
amfbr-128	203	9	,	,	PUNCT
amfbr-128	203	10	3(13	3(13	NUM
amfbr-128	203	11	)	)	PUNCT
amfbr-128	203	12	.	.	PUNCT
amfbr-128	204	1	ferrouhi	ferrouhi	PROPN
amfbr-128	204	2	,	,	PUNCT
amfbr-128	204	3	e.	e.	PROPN
amfbr-128	204	4	m.	m.	PROPN
amfbr-128	204	5	(	(	PUNCT
amfbr-128	204	6	2014	2014	NUM
amfbr-128	204	7	)	)	PUNCT
amfbr-128	204	8	.	.	PUNCT
amfbr-128	205	1	bank	bank	NOUN
amfbr-128	205	2	liquidity	liquidity	NOUN
amfbr-128	205	3	and	and	CCONJ
amfbr-128	205	4	financial	financial	ADJ
amfbr-128	205	5	performance	performance	NOUN
amfbr-128	205	6	:	:	PUNCT
amfbr-128	205	7	evidence	evidence	NOUN
amfbr-128	205	8	from	from	ADP
amfbr-128	205	9	moroccan	moroccan	ADJ
amfbr-128	205	10	banking	banking	NOUN
amfbr-128	205	11	industry	industry	NOUN
amfbr-128	205	12	.	.	PUNCT
amfbr-128	206	1	business	business	NOUN
amfbr-128	206	2	:	:	PUNCT
amfbr-128	206	3	theory	theory	NOUN
amfbr-128	206	4	and	and	CCONJ
amfbr-128	206	5	practice	practice	NOUN
amfbr-128	206	6	,	,	PUNCT
amfbr-128	206	7	15(4	15(4	NUM
amfbr-128	206	8	)	)	PUNCT
amfbr-128	206	9	,	,	PUNCT
amfbr-128	206	10	351–361	351–361	NUM
amfbr-128	206	11	.	.	PUNCT
amfbr-128	207	1	hossein	hossein	PROPN
amfbr-128	207	2	,	,	PUNCT
amfbr-128	207	3	m.	m.	NOUN
amfbr-128	207	4	,	,	PUNCT
amfbr-128	207	5	dezfouli	dezfouli	PROPN
amfbr-128	207	6	,	,	PUNCT
amfbr-128	207	7	k.	k.	PROPN
amfbr-128	207	8	,	,	PUNCT
amfbr-128	207	9	hasanzadeh	hasanzadeh	PROPN
amfbr-128	207	10	,	,	PUNCT
amfbr-128	207	11	a.	a.	NOUN
amfbr-128	207	12	,	,	PUNCT
amfbr-128	207	13	&	&	CCONJ
amfbr-128	207	14	shahchera	shahchera	NOUN
amfbr-128	207	15	,	,	PUNCT
amfbr-128	207	16	m.	m.	NOUN
amfbr-128	207	17	(	(	PUNCT
amfbr-128	207	18	2014	2014	NUM
amfbr-128	207	19	)	)	PUNCT
amfbr-128	207	20	.	.	PUNCT
amfbr-128	208	1	inspecting	inspect	VERB
amfbr-128	208	2	the	the	DET
amfbr-128	208	3	effectiveness	effectiveness	NOUN
amfbr-128	208	4	of	of	ADP
amfbr-128	208	5	liquidity	liquidity	NOUN
amfbr-128	208	6	risk	risk	NOUN
amfbr-128	208	7	on	on	ADP
amfbr-128	208	8	banks	bank	NOUN
amfbr-128	208	9	profitability	profitability	NOUN
amfbr-128	208	10	.	.	PUNCT
amfbr-128	209	1	kuwait	kuwait	PROPN
amfbr-128	209	2	chapter	chapter	PROPN
amfbr-128	209	3	of	of	ADP
amfbr-128	209	4	arabian	arabian	ADJ
amfbr-128	209	5	journal	journal	PROPN
amfbr-128	209	6	of	of	ADP
amfbr-128	209	7	business	business	NOUN
amfbr-128	209	8	and	and	CCONJ
amfbr-128	209	9	management	management	NOUN
amfbr-128	209	10	review	review	NOUN
amfbr-128	209	11	,	,	PUNCT
amfbr-128	209	12	3(9	3(9	NUM
amfbr-128	209	13	)	)	PUNCT
amfbr-128	209	14	,	,	PUNCT
amfbr-128	209	15	191–207	191–207	NUM
amfbr-128	209	16	.	.	PUNCT
amfbr-128	210	1	kamau	kamau	PROPN
amfbr-128	210	2	,	,	PUNCT
amfbr-128	210	3	f	f	PROPN
amfbr-128	210	4	&	&	CCONJ
amfbr-128	210	5	njeru	njeru	PROPN
amfbr-128	210	6	,	,	PUNCT
amfbr-128	210	7	a.	a.	NOUN
amfbr-128	210	8	(	(	PUNCT
amfbr-128	210	9	2016	2016	NUM
amfbr-128	210	10	)	)	PUNCT
amfbr-128	210	11	.	.	PUNCT
amfbr-128	211	1	effect	effect	NOUN
amfbr-128	211	2	of	of	ADP
amfbr-128	211	3	mergers	merger	NOUN
amfbr-128	211	4	on	on	ADP
amfbr-128	211	5	financial	financial	ADJ
amfbr-128	211	6	performance	performance	NOUN
amfbr-128	211	7	of	of	ADP
amfbr-128	211	8	firms	firm	NOUN
amfbr-128	211	9	listed	list	VERB
amfbr-128	211	10	at	at	ADP
amfbr-128	211	11	the	the	DET
amfbr-128	211	12	nairobi	nairobi	PROPN
amfbr-128	211	13	securities	securities	PROPN
amfbr-128	211	14	exchange	exchange	PROPN
amfbr-128	211	15	.	.	PUNCT
amfbr-128	212	1	international	international	ADJ
amfbr-128	212	2	journal	journal	PROPN
amfbr-128	212	3	of	of	ADP
amfbr-128	212	4	science	science	NOUN
amfbr-128	212	5	and	and	CCONJ
amfbr-128	212	6	research	research	NOUN
amfbr-128	212	7	(	(	PUNCT
amfbr-128	212	8	ijsr	ijsr	NOUN
amfbr-128	212	9	)	)	PUNCT
amfbr-128	212	10	issn	issn	PROPN
amfbr-128	212	11	,	,	PUNCT
amfbr-128	212	12	5(10	5(10	NUM
amfbr-128	212	13	)	)	PUNCT
amfbr-128	212	14	,	,	PUNCT
amfbr-128	212	15	867–872	867–872	NUM
amfbr-128	212	16	.	.	PUNCT
amfbr-128	213	1	https://doi.org/10.21275/art20162288	https://doi.org/10.21275/art20162288	PROPN
amfbr-128	213	2	kambi	kambi	PROPN
amfbr-128	213	3	,	,	PUNCT
amfbr-128	213	4	r.	r.	PROPN
amfbr-128	213	5	,	,	PUNCT
amfbr-128	213	6	&	&	CCONJ
amfbr-128	213	7	ali	ali	PROPN
amfbr-128	213	8	,	,	PUNCT
amfbr-128	213	9	a.	a.	PROPN
amfbr-128	213	10	i.	i.	PROPN
amfbr-128	213	11	(	(	PUNCT
amfbr-128	213	12	2016	2016	NUM
amfbr-128	213	13	)	)	PUNCT
amfbr-128	213	14	.	.	PUNCT
amfbr-128	214	1	effects	effect	NOUN
amfbr-128	214	2	of	of	ADP
amfbr-128	214	3	financial	financial	ADJ
amfbr-128	214	4	risk	risk	NOUN
amfbr-128	214	5	management	management	NOUN
amfbr-128	214	6	practices	practice	NOUN
amfbr-128	214	7	on	on	ADP
amfbr-128	214	8	financial	financial	ADJ
amfbr-128	214	9	performance	performance	NOUN
amfbr-128	214	10	of	of	ADP
amfbr-128	214	11	listed	list	VERB
amfbr-128	214	12	banks	bank	NOUN
amfbr-128	214	13	at	at	ADP
amfbr-128	214	14	the	the	DET
amfbr-128	214	15	nairobi	nairobi	PROPN
amfbr-128	214	16	securities	securities	PROPN
amfbr-128	214	17	exchange	exchange	PROPN
amfbr-128	214	18	in	in	ADP
amfbr-128	214	19	kenya	kenya	PROPN
amfbr-128	214	20	.	.	PUNCT
amfbr-128	215	1	the	the	DET
amfbr-128	215	2	international	international	ADJ
amfbr-128	215	3	journal	journal	NOUN
amfbr-128	215	4	of	of	ADP
amfbr-128	215	5	business	business	PROPN
amfbr-128	215	6	&	&	CCONJ
amfbr-128	215	7	management	management	PROPN
amfbr-128	215	8	,	,	PUNCT
amfbr-128	215	9	4(4	4(4	NUM
amfbr-128	215	10	)	)	PUNCT
amfbr-128	215	11	,	,	PUNCT
amfbr-128	215	12	19–36	19–36	NUM
amfbr-128	215	13	.	.	PUNCT
amfbr-128	216	1	mehari	mehari	PROPN
amfbr-128	216	2	,	,	PUNCT
amfbr-128	216	3	d.	d.	PROPN
amfbr-128	216	4	,	,	PUNCT
amfbr-128	216	5	&	&	CCONJ
amfbr-128	216	6	aemiro	aemiro	PROPN
amfbr-128	216	7	,	,	PUNCT
amfbr-128	216	8	t.	t.	PROPN
amfbr-128	216	9	(	(	PUNCT
amfbr-128	216	10	2013	2013	NUM
amfbr-128	216	11	)	)	PUNCT
amfbr-128	216	12	.	.	PUNCT
amfbr-128	217	1	firm	firm	ADJ
amfbr-128	217	2	specific	specific	ADJ
amfbr-128	217	3	factors	factor	NOUN
amfbr-128	217	4	that	that	PRON
amfbr-128	217	5	determine	determine	VERB
amfbr-128	217	6	insurance	insurance	NOUN
amfbr-128	217	7	companies’performance	companies’performance	NOUN
amfbr-128	217	8	in	in	ADP
amfbr-128	217	9	ethiopia	ethiopia	PROPN
amfbr-128	217	10	.	.	PUNCT
amfbr-128	218	1	european	european	ADJ
amfbr-128	218	2	scientific	scientific	ADJ
amfbr-128	218	3	journal	journal	NOUN
amfbr-128	218	4	,	,	PUNCT
amfbr-128	218	5	9(10	9(10	NUM
amfbr-128	218	6	)	)	PUNCT
amfbr-128	218	7	,	,	PUNCT
amfbr-128	218	8	245–255	245–255	NUM
amfbr-128	218	9	.	.	PUNCT
amfbr-128	218	10	retrieved	retrieve	VERB
amfbr-128	218	11	from	from	ADP
amfbr-128	218	12	http://eujournal.org/index.php/esj/article/view/961	http://eujournal.org/index.php/esj/article/view/961	ADJ
amfbr-128	218	13	muriithi	muriithi	NOUN
amfbr-128	218	14	,	,	PUNCT
amfbr-128	218	15	j.	j.	PROPN
amfbr-128	218	16	g.	g.	PROPN
amfbr-128	218	17	,	,	PUNCT
amfbr-128	218	18	&	&	CCONJ
amfbr-128	218	19	waweru	waweru	PROPN
amfbr-128	218	20	,	,	PUNCT
amfbr-128	218	21	k.	k.	PROPN
amfbr-128	218	22	m.	m.	PROPN
amfbr-128	218	23	(	(	PUNCT
amfbr-128	218	24	2017	2017	NUM
amfbr-128	218	25	)	)	PUNCT
amfbr-128	218	26	.	.	PUNCT
amfbr-128	219	1	liquidity	liquidity	NOUN
amfbr-128	219	2	risk	risk	NOUN
amfbr-128	219	3	and	and	CCONJ
amfbr-128	219	4	financial	financial	ADJ
amfbr-128	219	5	performance	performance	NOUN
amfbr-128	219	6	of	of	ADP
amfbr-128	219	7	commercial	commercial	ADJ
amfbr-128	219	8	banks	bank	NOUN
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amfbr-128	219	10	kenya	kenya	PROPN
amfbr-128	219	11	.	.	PUNCT
amfbr-128	220	1	international	international	ADJ
amfbr-128	220	2	journal	journal	PROPN
amfbr-128	220	3	of	of	ADP
amfbr-128	220	4	economics	economic	NOUN
amfbr-128	220	5	and	and	CCONJ
amfbr-128	220	6	finance	finance	NOUN
amfbr-128	220	7	,	,	PUNCT
amfbr-128	220	8	9(3	9(3	NUM
amfbr-128	220	9	)	)	PUNCT
amfbr-128	220	10	,	,	PUNCT
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amfbr-128	220	12	.	.	PUNCT
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amfbr-128	221	2	nikhik	nikhik	PROPN
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amfbr-128	221	4	,	,	PUNCT
amfbr-128	221	5	kingshuk	kingshuk	PROPN
amfbr-128	221	6	i	i	PROPN
amfbr-128	221	7	,	,	PUNCT
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amfbr-128	221	9	m.	m.	PROPN
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amfbr-128	221	11	2015	2015	NUM
amfbr-128	221	12	)	)	PUNCT
amfbr-128	221	13	.	.	PUNCT
amfbr-128	222	1	factor	factor	NOUN
amfbr-128	222	2	determining	determine	VERB
amfbr-128	222	3	financing	financing	NOUN
amfbr-128	222	4	performance	performance	NOUN
amfbr-128	222	5	of	of	ADP
amfbr-128	222	6	life	life	NOUN
amfbr-128	222	7	insurance	insurance	NOUN
amfbr-128	222	8	companies	company	NOUN
amfbr-128	222	9	of	of	ADP
amfbr-128	222	10	india	india	PROPN
amfbr-128	222	11	-	-	PUNCT
amfbr-128	222	12	an	an	DET
amfbr-128	222	13	empirical	empirical	ADJ
amfbr-128	222	14	study	study	NOUN
amfbr-128	222	15	.	.	PUNCT
amfbr-128	223	1	epra	epra	PROPN
amfbr-128	223	2	international	international	PROPN
amfbr-128	223	3	journal	journal	PROPN
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amfbr-128	223	5	economic	economic	ADJ
amfbr-128	223	6	and	and	CCONJ
amfbr-128	223	7	business	business	NOUN
amfbr-128	223	8	review	review	NOUN
amfbr-128	223	9	,	,	PUNCT
amfbr-128	223	10	2(8	2(8	NUM
amfbr-128	223	11	)	)	PUNCT
amfbr-128	223	12	,	,	PUNCT
amfbr-128	223	13	42–48	42–48	PROPN
amfbr-128	223	14	.	.	PUNCT
amfbr-128	224	1	o	o	X
amfbr-128	224	2	a	a	X
amfbr-128	224	3	,	,	PUNCT
amfbr-128	224	4	yahaya	yahaya	PROPN
amfbr-128	224	5	&	&	CCONJ
amfbr-128	224	6	lamidi	lamidi	PROPN
amfbr-128	224	7	,	,	PUNCT
amfbr-128	224	8	y.	y.	NOUN
amfbr-128	224	9	(	(	PUNCT
amfbr-128	224	10	2015	2015	NUM
amfbr-128	224	11	)	)	PUNCT
amfbr-128	224	12	.	.	PUNCT
amfbr-128	225	1	empirical	empirical	ADJ
amfbr-128	225	2	examination	examination	NOUN
amfbr-128	225	3	of	of	ADP
amfbr-128	225	4	the	the	DET
amfbr-128	225	5	financial	financial	ADJ
amfbr-128	225	6	performance	performance	NOUN
amfbr-128	225	7	of	of	ADP
amfbr-128	225	8	islamic	islamic	ADJ
amfbr-128	225	9	banking	banking	NOUN
amfbr-128	225	10	in	in	ADP
amfbr-128	225	11	nigeria	nigeria	PROPN
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amfbr-128	225	13	:	:	PUNCT
amfbr-128	225	14	a	a	DET
amfbr-128	225	15	case	case	NOUN
amfbr-128	225	16	study	study	NOUN
amfbr-128	225	17	approach	approach	NOUN
amfbr-128	225	18	.	.	PUNCT
amfbr-128	226	1	international	international	ADJ
amfbr-128	226	2	journal	journal	NOUN
amfbr-128	226	3	of	of	ADP
amfbr-128	226	4	accounting	accounting	NOUN
amfbr-128	226	5	research	research	NOUN
amfbr-128	226	6	,	,	PUNCT
amfbr-128	226	7	2(7	2(7	NUM
amfbr-128	226	8	)	)	PUNCT
amfbr-128	226	9	,	,	PUNCT
amfbr-128	226	10	1–13	1–13	NOUN
amfbr-128	226	11	.	.	PUNCT
amfbr-128	227	1	otieno	otieno	PROPN
amfbr-128	227	2	,	,	PUNCT
amfbr-128	227	3	s.	s.	PROPN
amfbr-128	227	4	,	,	PUNCT
amfbr-128	227	5	&	&	CCONJ
amfbr-128	227	6	nyagol	nyagol	NOUN
amfbr-128	227	7	,	,	PUNCT
amfbr-128	227	8	m.	m.	NOUN
amfbr-128	227	9	(	(	PUNCT
amfbr-128	227	10	2016	2016	NUM
amfbr-128	227	11	)	)	PUNCT
amfbr-128	227	12	.	.	PUNCT
amfbr-128	228	1	empirical	empirical	ADJ
amfbr-128	228	2	analysis	analysis	NOUN
amfbr-128	228	3	on	on	ADP
amfbr-128	228	4	relationship	relationship	NOUN
amfbr-128	228	5	between	between	ADP
amfbr-128	228	6	liquidity	liquidity	NOUN
amfbr-128	228	7	risk	risk	NOUN
amfbr-128	228	8	management	management	NOUN
amfbr-128	228	9	and	and	CCONJ
amfbr-128	228	10	financial	financial	ADJ
amfbr-128	228	11	performance	performance	NOUN
amfbr-128	228	12	of	of	ADP
amfbr-128	228	13	microfinance	microfinance	NOUN
amfbr-128	228	14	banks	bank	NOUN
amfbr-128	228	15	in	in	ADP
amfbr-128	228	16	kenya	kenya	PROPN
amfbr-128	228	17	.	.	PUNCT
amfbr-128	229	1	research	research	NOUN
amfbr-128	229	2	journal	journal	PROPN
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amfbr-128	229	4	finance	finance	NOUN
amfbr-128	229	5	and	and	CCONJ
amfbr-128	229	6	accounting	accounting	NOUN
amfbr-128	229	7	,	,	PUNCT
amfbr-128	229	8	7(6	7(6	NUM
amfbr-128	229	9	)	)	PUNCT
amfbr-128	229	10	,	,	PUNCT
amfbr-128	229	11	115–142	115–142	NUM
amfbr-128	229	12	.	.	PUNCT
amfbr-128	230	1	saeed	saeed	PROPN
amfbr-128	230	2	,	,	PUNCT
amfbr-128	230	3	u.	u.	PROPN
amfbr-128	230	4	,	,	PUNCT
amfbr-128	230	5	&	&	CCONJ
amfbr-128	230	6	khurram	khurram	PROPN
amfbr-128	230	7	,	,	PUNCT
amfbr-128	230	8	n.	n.	NOUN
amfbr-128	230	9	(	(	PUNCT
amfbr-128	230	10	2015	2015	NUM
amfbr-128	230	11	)	)	PUNCT
amfbr-128	230	12	.	.	PUNCT
amfbr-128	231	1	factors	factor	NOUN
amfbr-128	231	2	influencing	influence	VERB
amfbr-128	231	3	the	the	DET
amfbr-128	231	4	financial	financial	ADJ
amfbr-128	231	5	performance	performance	NOUN
amfbr-128	231	6	of	of	ADP
amfbr-128	231	7	non	non	ADJ
amfbr-128	231	8	-	-	ADJ
amfbr-128	231	9	life	life	ADJ
amfbr-128	231	10	insurance	insurance	NOUN
amfbr-128	231	11	companies	company	NOUN
amfbr-128	231	12	of	of	ADP
amfbr-128	231	13	pakistan	pakistan	PROPN
amfbr-128	231	14	.	.	PUNCT
amfbr-128	232	1	international	international	ADJ
amfbr-128	232	2	journal	journal	PROPN
amfbr-128	232	3	of	of	ADP
amfbr-128	232	4	empirical	empirical	ADJ
amfbr-128	232	5	finance	finance	NOUN
amfbr-128	232	6	,	,	PUNCT
amfbr-128	232	7	4(6	4(6	NUM
amfbr-128	232	8	)	)	PUNCT
amfbr-128	232	9	,	,	PUNCT
amfbr-128	232	10	354–361	354–361	NUM
amfbr-128	232	11	.	.	PUNCT
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amfbr-128	233	3	nigeria	nigeria	PROPN
amfbr-128	233	4	insurance	insurance	NOUN
amfbr-128	233	5	firms	firm	NOUN
amfbr-128	233	6	1	1	NUM
amfbr-128	233	7	.	.	PUNCT
amfbr-128	233	8	consolidated	consolidate	VERB
amfbr-128	233	9	hallmark	hallmark	PROPN
amfbr-128	233	10	insurance	insurance	PROPN
amfbr-128	233	11	plc	plc	PROPN
amfbr-128	233	12	2	2	NUM
amfbr-128	233	13	.	.	PUNCT
amfbr-128	233	14	aiico	aiico	PROPN
amfbr-128	233	15	3	3	NUM
amfbr-128	233	16	.	.	PUNCT
amfbr-128	233	17	continental	continental	PROPN
amfbr-128	233	18	reinsurance	reinsurance	PROPN
amfbr-128	233	19	plc	plc	PROPN
amfbr-128	233	20	4	4	NUM
amfbr-128	233	21	.	.	PUNCT
amfbr-128	233	22	cornerstone	cornerstone	NOUN
amfbr-128	233	23	insurance	insurance	PROPN
amfbr-128	233	24	plc	plc	PROPN
amfbr-128	233	25	5	5	NUM
amfbr-128	233	26	.	.	PUNCT
amfbr-128	234	1	great	great	PROPN
amfbr-128	234	2	nigeria	nigeria	PROPN
amfbr-128	234	3	insurance	insurance	PROPN
amfbr-128	234	4	plc	plc	PROPN
amfbr-128	234	5	6	6	NUM
amfbr-128	234	6	.	.	PUNCT
amfbr-128	235	1	guinea	guinea	PROPN
amfbr-128	235	2	insurance	insurance	PROPN
amfbr-128	235	3	plc	plc	PROPN
amfbr-128	235	4	7	7	NUM
amfbr-128	235	5	.	.	PUNCT
amfbr-128	235	6	international	international	ADJ
amfbr-128	235	7	energy	energy	NOUN
amfbr-128	235	8	insurance	insurance	PROPN
amfbr-128	235	9	plc	plc	PROPN
amfbr-128	235	10	8	8	NUM
amfbr-128	235	11	.	.	PUNCT
amfbr-128	236	1	niger	niger	PROPN
amfbr-128	236	2	insurance	insurance	PROPN
amfbr-128	236	3	plc	plc	PROPN
amfbr-128	236	4	9	9	NUM
amfbr-128	236	5	.	.	PUNCT
amfbr-128	237	1	sovereign	sovereign	PROPN
amfbr-128	237	2	trust	trust	PROPN
amfbr-128	237	3	insurance	insurance	PROPN
amfbr-128	237	4	plc	plc	PROPN
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amfbr-128	237	7	finance	finance	PROPN
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amfbr-128	237	9	banking	banking	PROPN
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amfbr-128	237	12	.	.	PROPN
amfbr-128	238	1	2	2	NUM
amfbr-128	238	2	,	,	PUNCT
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amfbr-128	238	4	.	.	NOUN
amfbr-128	238	5	1	1	NUM
amfbr-128	238	6	;	;	PUNCT
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amfbr-128	238	8	52	52	NUM
amfbr-128	238	9	10	10	NUM
amfbr-128	238	10	.	.	PUNCT
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amfbr-128	240	1	mutual	mutual	ADJ
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amfbr-128	240	3	assurance	assurance	PROPN
amfbr-128	240	4	plc	plc	PROPN
amfbr-128	240	5	12	12	NUM
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amfbr-128	242	4	,	,	PUNCT
amfbr-128	242	5	53	53	NUM
amfbr-128	242	6	)	)	PUNCT
amfbr-128	242	7	=	=	NOUN
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amfbr-128	242	10	:	:	PUNCT
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amfbr-128	242	18	test	test	NOUN
amfbr-128	242	19	using	use	VERB
amfbr-128	242	20	powers	power	NOUN
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amfbr-128	244	1	=	=	PROPN
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amfbr-128	246	3	:	:	PUNCT
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amfbr-128	246	12	breusch	breusch	NOUN
amfbr-128	246	13	-	-	PUNCT
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amfbr-128	246	15	/	/	SYM
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amfbr-128	247	17	1	1	NUM
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amfbr-128	259	11	-	-	PUNCT
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amfbr-128	259	13	=	=	PUNCT
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amfbr-128	259	22	=	=	SYM
amfbr-128	259	23	0.2038	0.2038	NUM
amfbr-128	259	24	model	model	NOUN
amfbr-128	259	25	.045373509	.045373509	PROPN
amfbr-128	259	26	3	3	NUM
amfbr-128	260	1	.015124503	.015124503	PROPN
amfbr-128	260	2	prob	prob	NOUN
amfbr-128	260	3	>	>	X
amfbr-128	260	4	f	f	PROPN
amfbr-128	261	1	=	=	SYM
amfbr-128	261	2	0.0049	0.0049	NUM
amfbr-128	261	3	f	f	X
amfbr-128	261	4	(	(	PUNCT
amfbr-128	261	5	3	3	NUM
amfbr-128	261	6	,	,	PUNCT
amfbr-128	261	7	56	56	NUM
amfbr-128	261	8	)	)	PUNCT
amfbr-128	261	9	=	=	SYM
amfbr-128	261	10	4.78	4.78	NUM
amfbr-128	261	11	source	source	NOUN
amfbr-128	261	12	ss	ss	PROPN
amfbr-128	261	13	df	df	PROPN
amfbr-128	261	14	ms	ms	NOUN
amfbr-128	261	15	number	number	NOUN
amfbr-128	261	16	of	of	ADP
amfbr-128	261	17	obs	obs	PROPN
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amfbr-128	261	20	.	.	PUNCT
amfbr-128	262	1	regress	regress	PROPN
amfbr-128	262	2	roa	roa	PROPN
amfbr-128	262	3	lv	lv	PROPN
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amfbr-128	262	5	pg	pg	NOUN
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amfbr-128	262	7	0.3730	0.3730	NUM
amfbr-128	262	8	0.0146	0.0146	NUM
amfbr-128	262	9	pg	pg	NUM
amfbr-128	262	10	0.2142	0.2142	NUM
amfbr-128	262	11	-0.1171	-0.1171	NOUN
amfbr-128	262	12	-0.3138	-0.3138	PROPN
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amfbr-128	264	1	1.0000	1.0000	NUM
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amfbr-128	264	3	lv	lv	PROPN
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amfbr-128	264	7	roa	roa	NOUN
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amfbr-128	264	9	roa	roa	NOUN
amfbr-128	264	10	lv	lv	PROPN
amfbr-128	264	11	clr	clr	VERB
amfbr-128	264	12	pg	pg	PROPN
amfbr-128	264	13	.	.	PUNCT
amfbr-128	265	1	pwcorr	pwcorr	PROPN
amfbr-128	265	2	roa	roa	PROPN
amfbr-128	265	3	lv	lv	PROPN
amfbr-128	265	4	clr	clr	VERB
amfbr-128	265	5	pg	pg	PROPN
amfbr-128	265	6	,	,	PUNCT
amfbr-128	265	7	sig	sig	NOUN
amfbr-128	265	8	star(5	star(5	NOUN
amfbr-128	265	9	)	)	PUNCT
amfbr-128	265	10	pg	pg	NOUN
amfbr-128	266	1	60	60	NUM
amfbr-128	266	2	.1467467	.1467467	NOUN
amfbr-128	266	3	.3012165	.3012165	PROPN
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amfbr-128	267	1	1.4187	1.4187	NUM
amfbr-128	267	2	clr	clr	NOUN
amfbr-128	267	3	60	60	NUM
amfbr-128	267	4	.3942	.3942	NOUN
amfbr-128	268	1	.1881533	.1881533	PRON
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amfbr-128	270	1	lv	lv	PROPN
amfbr-128	270	2	60	60	NUM
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amfbr-128	271	1	.2254438	.2254438	PROPN
amfbr-128	271	2	.1351	.1351	PROPN
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amfbr-128	272	2	roa	roa	NOUN
amfbr-128	272	3	60	60	NUM
amfbr-128	272	4	.03353	.03353	PROPN
amfbr-128	272	5	.0614306	.0614306	PROPN
amfbr-128	272	6	-.2142	-.2142	PUNCT
amfbr-128	272	7	.2228	.2228	PROPN
amfbr-128	272	8	variable	variable	ADJ
amfbr-128	272	9	obs	obs	PROPN
amfbr-128	272	10	mean	mean	VERB
amfbr-128	272	11	std	std	PROPN
amfbr-128	272	12	.	.	PROPN
amfbr-128	273	1	dev	dev	PROPN
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amfbr-128	275	2	roa	roa	PROPN
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amfbr-128	275	5	pg	pg	PRON
amfbr-128	275	6	.	.	PUNCT
amfbr-128	276	1	*	*	PUNCT
amfbr-128	276	2	(	(	PUNCT
amfbr-128	276	3	6	6	NUM
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amfbr-128	276	5	,	,	PUNCT
amfbr-128	276	6	60	60	NUM
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amfbr-128	276	8	pasted	paste	VERB
amfbr-128	276	9	into	into	ADP
amfbr-128	276	10	data	datum	NOUN
amfbr-128	276	11	editor	editor	NOUN
amfbr-128	276	12	)	)	PUNCT
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amfbr-128	276	14	to	to	PART
amfbr-128	276	15	check	check	VERB
amfbr-128	276	16	for	for	ADP
amfbr-128	276	17	update	update	NOUN
amfbr-128	276	18	;	;	PUNCT
amfbr-128	276	19	verify	verify	VERB
amfbr-128	276	20	internet	internet	NOUN
amfbr-128	276	21	settings	setting	NOUN
amfbr-128	276	22	are	be	AUX
amfbr-128	276	23	correct	correct	ADJ
amfbr-128	276	24	.	.	PUNCT
amfbr-128	277	1	http://www.stata.com	http://www.stata.com	X
amfbr-128	277	2	did	do	AUX
amfbr-128	277	3	not	not	PART
amfbr-128	277	4	respond	respond	VERB
amfbr-128	277	5	or	or	CCONJ
amfbr-128	277	6	is	be	AUX
amfbr-128	277	7	not	not	PART
amfbr-128	277	8	a	a	DET
amfbr-128	277	9	valid	valid	ADJ
amfbr-128	277	10	update	update	NOUN
amfbr-128	277	11	site	site	NOUN
amfbr-128	277	12	host	host	NOUN
amfbr-128	277	13	not	not	PART
amfbr-128	277	14	found	find	VERB
amfbr-128	277	15	(	(	PUNCT
amfbr-128	277	16	contacting	contact	VERB
amfbr-128	277	17	http://www.stata.com	http://www.stata.com	X
amfbr-128	277	18	)	)	PUNCT
amfbr-128	277	19	checking	check	VERB
amfbr-128	277	20	for	for	ADP
amfbr-128	277	21	updates	update	NOUN
amfbr-128	277	22	...	...	PUNCT
amfbr-128	278	1	2	2	X
amfbr-128	278	2	.	.	X
amfbr-128	278	3	new	new	ADJ
amfbr-128	278	4	update	update	NOUN
amfbr-128	278	5	available	available	ADJ
amfbr-128	278	6	;	;	PUNCT
amfbr-128	278	7	type	type	NOUN
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amfbr-128	278	9	all	all	DET
amfbr-128	278	10	1	1	NUM
amfbr-128	278	11	.	.	PUNCT
amfbr-128	279	1	(	(	PUNCT
amfbr-128	279	2	/v	/v	NOUN
amfbr-128	279	3	#	#	NOUN
amfbr-128	279	4	option	option	NOUN
amfbr-128	279	5	or	or	CCONJ
amfbr-128	279	6	-set	-set	ADJ
amfbr-128	279	7	maxvar-	maxvar-	SYM
amfbr-128	279	8	)	)	PUNCT
amfbr-128	279	9	5000	5000	NUM
amfbr-128	279	10	maximum	maximum	ADJ
amfbr-128	279	11	variables	variable	NOUN
amfbr-128	279	12	notes	note	VERB
amfbr-128	279	13	:	:	PUNCT
amfbr-128	279	14	kaduna	kaduna	PROPN
amfbr-128	279	15	licensed	license	VERB
amfbr-128	279	16	to	to	PART
amfbr-128	279	17	:	:	PUNCT
amfbr-128	279	18	lasisi	lasisi	ADJ
amfbr-128	279	19	serial	serial	ADJ
amfbr-128	279	20	number	number	NOUN
amfbr-128	279	21	:	:	PUNCT
amfbr-128	279	22	501306208483	501306208483	NUM
amfbr-128	279	23	3	3	NUM
amfbr-128	279	24	-	-	PUNCT
amfbr-128	279	25	user	user	NOUN
amfbr-128	279	26	8	8	NUM
amfbr-128	279	27	-	-	PUNCT
amfbr-128	279	28	core	core	NOUN
amfbr-128	279	29	stata	stata	NOUN
amfbr-128	279	30	network	network	NOUN
amfbr-128	279	31	perpetual	perpetual	ADJ
amfbr-128	279	32	license	license	NOUN
amfbr-128	279	33	:	:	PUNCT
amfbr-128	279	34	979	979	NUM
amfbr-128	279	35	-	-	SYM
amfbr-128	279	36	696	696	NUM
amfbr-128	279	37	-	-	SYM
amfbr-128	279	38	4601	4601	NUM
amfbr-128	279	39	(	(	PUNCT
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amfbr-128	279	41	)	)	PUNCT
amfbr-128	279	42	979	979	NUM
amfbr-128	279	43	-	-	SYM
amfbr-128	279	44	696	696	NUM
amfbr-128	279	45	-	-	SYM
amfbr-128	279	46	4600	4600	NUM
amfbr-128	279	47	stata@stata.com	stata@stata.com	NOUN
amfbr-128	279	48	800	800	NUM
amfbr-128	279	49	-	-	PUNCT
amfbr-128	279	50	stata	stata	NOUN
amfbr-128	279	51	-	-	PUNCT
amfbr-128	279	52	pc	pc	NOUN
amfbr-128	279	53	http://www.stata.com	http://www.stata.com	X
amfbr-128	279	54	mp	mp	PROPN
amfbr-128	279	55	parallel	parallel	PROPN
amfbr-128	279	56	edition	edition	PROPN
amfbr-128	279	57	college	college	NOUN
amfbr-128	279	58	station	station	NOUN
amfbr-128	279	59	,	,	PUNCT
amfbr-128	279	60	texas	texas	PROPN
amfbr-128	279	61	77845	77845	NUM
amfbr-128	279	62	usa	usa	PROPN
amfbr-128	279	63	4905	4905	PROPN
amfbr-128	279	64	lakeway	lakeway	NOUN
amfbr-128	279	65	drive	drive	VERB
amfbr-128	279	66	statistics	statistic	NOUN
amfbr-128	279	67	/	/	SYM
amfbr-128	279	68	data	datum	NOUN
amfbr-128	279	69	analysis	analysis	NOUN
amfbr-128	279	70	statacorp	statacorp	NOUN
amfbr-128	279	71	_	_	PUNCT
amfbr-128	279	72	_	_	PUNCT
amfbr-128	280	1	_	_	PUNCT
amfbr-128	280	2	/	/	PUNCT
amfbr-128	280	3	/	/	SYM
amfbr-128	280	4	/___/	/___/	NOUN
amfbr-128	280	5	/	/	SYM
amfbr-128	280	6	/___/	/___/	ADJ
amfbr-128	280	7	13.0	13.0	NUM
amfbr-128	280	8	copyright	copyright	NOUN
amfbr-128	280	9	1985	1985	NUM
amfbr-128	280	10	-	-	SYM
amfbr-128	280	11	2013	2013	NUM
amfbr-128	280	12	statacorp	statacorp	NOUN
amfbr-128	280	13	lp	lp	NOUN
amfbr-128	280	14	/	/	PUNCT
amfbr-128	280	15	_	_	PUNCT
amfbr-128	280	16	_	_	PUNCT
amfbr-128	280	17	/	/	PUNCT
amfbr-128	281	1	_	_	PUNCT
amfbr-128	282	1	_	_	PUNCT
amfbr-128	283	1	_	_	PUNCT
amfbr-128	284	1	_	_	PUNCT
amfbr-128	284	2	/	/	PUNCT
amfbr-128	284	3	/	/	PUNCT
amfbr-128	285	1	_	_	PUNCT
amfbr-128	286	1	_	_	PUNCT
amfbr-128	287	1	_	_	PUNCT
amfbr-128	288	1	_	_	PUNCT
amfbr-128	288	2	/	/	PUNCT
amfbr-128	289	1	_	_	PUNCT
amfbr-128	290	1	_	_	PUNCT
amfbr-128	291	1	_	_	PUNCT
amfbr-128	292	1	_	_	PUNCT
amfbr-128	293	1	_	_	PUNCT
amfbr-128	294	1	_	_	PUNCT
amfbr-128	295	1	_	_	PUNCT
amfbr-128	296	1	_	_	PUNCT
amfbr-128	297	1	_	_	PUNCT
amfbr-128	298	1	_	_	PUNCT
amfbr-128	299	1	_	_	PUNCT
amfbr-128	300	1	_	_	PUNCT
amfbr-128	301	1	_	_	PUNCT
amfbr-128	302	1	_	_	PUNCT
amfbr-128	303	1	_	_	PUNCT
amfbr-128	304	1	_	_	PUNCT
amfbr-128	305	1	_	_	PUNCT
amfbr-128	306	1	_	_	PUNCT
amfbr-128	307	1	_	_	PUNCT
amfbr-128	308	1	(	(	PUNCT
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amfbr-128	308	3	)	)	PUNCT
amfbr-128	308	4	www.cribfb.com/journal/index.php/amfbr	www.cribfb.com/journal/index.php/amfbr	NOUN
amfbr-128	308	5	american	american	PROPN
amfbr-128	308	6	finance	finance	PROPN
amfbr-128	308	7	&	&	CCONJ
amfbr-128	308	8	banking	banking	PROPN
amfbr-128	308	9	review	review	PROPN
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amfbr-128	308	11	.	.	PROPN
amfbr-128	309	1	2	2	NUM
amfbr-128	309	2	,	,	PUNCT
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amfbr-128	309	4	.	.	NOUN
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amfbr-128	309	6	;	;	PUNCT
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amfbr-128	309	8	53	53	NUM
amfbr-128	309	9	.	.	PUNCT
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amfbr-128	311	25	b	b	NOUN
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amfbr-128	312	12	xtreg	xtreg	PROPN
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amfbr-128	314	1	=	=	SYM
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amfbr-128	315	6	;	;	PUNCT
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amfbr-128	315	8	from	from	ADP
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amfbr-128	315	11	.014728	.014728	PROPN
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amfbr-128	316	12	.04481	.04481	PROPN
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amfbr-128	316	14	fixed	fix	VERB
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amfbr-128	316	17	s.e	s.e	PROPN
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amfbr-128	317	1	(	(	PUNCT
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amfbr-128	317	3	)	)	PUNCT
amfbr-128	317	4	(	(	PUNCT
amfbr-128	317	5	b	b	X
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amfbr-128	317	7	(	(	PUNCT
amfbr-128	317	8	b	b	X
amfbr-128	317	9	-	-	PUNCT
amfbr-128	317	10	b	b	NOUN
amfbr-128	317	11	)	)	PUNCT
amfbr-128	317	12	sqrt(diag(v_b	sqrt(diag(v_b	PROPN
amfbr-128	317	13	-	-	PUNCT
amfbr-128	317	14	v_b	v_b	NUM
amfbr-128	317	15	)	)	PUNCT
amfbr-128	317	16	)	)	PUNCT
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amfbr-128	317	18	.	.	PUNCT
amfbr-128	318	1	hausman	hausman	PROPN
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amfbr-128	318	3	random	random	ADJ
amfbr-128	318	4	.	.	PUNCT
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amfbr-128	319	11	to	to	ADP
amfbr-128	319	12	u_i	u_i	NUM
amfbr-128	319	13	)	)	PUNCT
amfbr-128	319	14	sigma_e	sigma_e	X
amfbr-128	320	1	.05031314	.05031314	PUNCT
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amfbr-128	320	3	.02607035	.02607035	PROPN
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