id	sid	tid	token	lemma	pos
aijbms-280	1	1	american	american	PROPN
aijbms-280	1	2	international	international	PROPN
aijbms-280	1	3	journal	journal	PROPN
aijbms-280	1	4	of	of	ADP
aijbms-280	1	5	business	business	NOUN
aijbms-280	1	6	and	and	CCONJ
aijbms-280	1	7	management	management	NOUN
aijbms-280	1	8	studies	study	NOUN
aijbms-280	1	9	4(1	4(1	NOUN
aijbms-280	1	10	)	)	PUNCT
aijbms-280	1	11	(	(	PUNCT
aijbms-280	1	12	2022	2022	NUM
aijbms-280	1	13	)	)	PUNCT
aijbms-280	1	14	,	,	PUNCT
aijbms-280	1	15	12	12	NUM
aijbms-280	1	16	-	-	SYM
aijbms-280	1	17	21	21	NUM
aijbms-280	1	18	12	12	NUM
aijbms-280	1	19	business	business	NOUN
aijbms-280	1	20	and	and	CCONJ
aijbms-280	1	21	management	management	NOUN
aijbms-280	1	22	studies	study	NOUN
aijbms-280	1	23	aijefr	aijefr	ADJ
aijbms-280	1	24	vol	vol	VERB
aijbms-280	1	25	4	4	NUM
aijbms-280	1	26	no	no	DET
aijbms-280	1	27	1	1	NUM
aijbms-280	1	28	(	(	PUNCT
aijbms-280	1	29	2022	2022	NUM
aijbms-280	1	30	)	)	PUNCT
aijbms-280	1	31	p	p	X
aijbms-280	1	32	-	-	PUNCT
aijbms-280	1	33	issn	issn	VERB
aijbms-280	1	34	2641	2641	NUM
aijbms-280	1	35	-	-	SYM
aijbms-280	1	36	4937	4937	NUM
aijbms-280	1	37	e	e	NOUN
aijbms-280	1	38	-	-	PROPN
aijbms-280	1	39	issn	issn	PROPN
aijbms-280	1	40	2641	2641	NUM
aijbms-280	1	41	-	-	SYM
aijbms-280	1	42	4953	4953	NUM
aijbms-280	1	43	available	available	ADJ
aijbms-280	1	44	online	online	ADV
aijbms-280	1	45	at	at	ADP
aijbms-280	1	46	www.acseusa.org	www.acseusa.org	PROPN
aijbms-280	1	47	journal	journal	PROPN
aijbms-280	1	48	homepage	homepage	NOUN
aijbms-280	1	49	:	:	PUNCT
aijbms-280	1	50	https://www.acseusa.org/journal/index.php/aijbms	https://www.acseusa.org/journal/index.php/aijbms	PROPN
aijbms-280	1	51	published	publish	VERB
aijbms-280	1	52	by	by	ADP
aijbms-280	1	53	american	american	ADJ
aijbms-280	1	54	center	center	PROPN
aijbms-280	1	55	of	of	ADP
aijbms-280	1	56	science	science	NOUN
aijbms-280	1	57	and	and	CCONJ
aijbms-280	1	58	education	education	NOUN
aijbms-280	1	59	,	,	PUNCT
aijbms-280	1	60	usa	usa	PROPN
aijbms-280	1	61	assessment	assessment	NOUN
aijbms-280	1	62	of	of	ADP
aijbms-280	1	63	micro	micro	PROPN
aijbms-280	1	64	insurance	insurance	NOUN
aijbms-280	1	65	as	as	ADP
aijbms-280	1	66	an	an	DET
aijbms-280	1	67	emerging	emerge	VERB
aijbms-280	1	68	microfinance	microfinance	NOUN
aijbms-280	1	69	for	for	ADP
aijbms-280	1	70	the	the	DET
aijbms-280	1	71	poor	poor	ADJ
aijbms-280	1	72	:	:	PUNCT
aijbms-280	1	73	a	a	DET
aijbms-280	1	74	study	study	NOUN
aijbms-280	1	75	on	on	ADP
aijbms-280	1	76	somalia	somalia	PROPN
aijbms-280	1	77	md	md	PROPN
aijbms-280	1	78	al	al	PROPN
aijbms-280	1	79	-	-	PUNCT
aijbms-280	1	80	imran	imran	PROPN
aijbms-280	1	81	(	(	PUNCT
aijbms-280	1	82	a	a	NOUN
aijbms-280	1	83	)	)	PUNCT
aijbms-280	1	84	md	md	PROPN
aijbms-280	1	85	salim	salim	PROPN
aijbms-280	1	86	chowdhury	chowdhury	PROPN
aijbms-280	1	87	(	(	PUNCT
aijbms-280	1	88	b	b	X
aijbms-280	1	89	)	)	PUNCT
aijbms-280	1	90	abdikhaliq	abdikhaliq	NOUN
aijbms-280	1	91	dahir	dahir	NOUN
aijbms-280	1	92	ayanle	ayanle	NOUN
aijbms-280	1	93	(	(	PUNCT
aijbms-280	1	94	c)1	c)1	PROPN
aijbms-280	1	95	abdullah	abdullah	PROPN
aijbms-280	1	96	al	al	PROPN
aijbms-280	1	97	masum	masum	PROPN
aijbms-280	1	98	(	(	PUNCT
aijbms-280	1	99	d	d	NOUN
aijbms-280	1	100	)	)	PUNCT
aijbms-280	1	101	(	(	PUNCT
aijbms-280	1	102	a	a	X
aijbms-280	1	103	)	)	PUNCT
aijbms-280	1	104	master	master	NOUN
aijbms-280	1	105	of	of	ADP
aijbms-280	1	106	science	science	NOUN
aijbms-280	1	107	in	in	ADP
aijbms-280	1	108	business	business	NOUN
aijbms-280	1	109	analytics	analytic	NOUN
aijbms-280	1	110	,	,	PUNCT
aijbms-280	1	111	college	college	NOUN
aijbms-280	1	112	of	of	ADP
aijbms-280	1	113	graduate	graduate	NOUN
aijbms-280	1	114	and	and	CCONJ
aijbms-280	1	115	professional	professional	ADJ
aijbms-280	1	116	studies	study	NOUN
aijbms-280	1	117	,	,	PUNCT
aijbms-280	1	118	trine	trine	PROPN
aijbms-280	1	119	university	university	NOUN
aijbms-280	1	120	,	,	PUNCT
aijbms-280	1	121	allen	allen	PROPN
aijbms-280	1	122	park	park	PROPN
aijbms-280	1	123	,	,	PUNCT
aijbms-280	1	124	michigan	michigan	PROPN
aijbms-280	1	125	48101	48101	NUM
aijbms-280	1	126	-	-	SYM
aijbms-280	1	127	3636	3636	NUM
aijbms-280	1	128	,	,	PUNCT
aijbms-280	1	129	united	united	PROPN
aijbms-280	1	130	states	states	PROPN
aijbms-280	1	131	of	of	ADP
aijbms-280	1	132	america	america	PROPN
aijbms-280	1	133	;	;	PUNCT
aijbms-280	1	134	e	e	X
aijbms-280	1	135	-	-	NOUN
aijbms-280	1	136	mail	mail	NOUN
aijbms-280	1	137	:	:	PUNCT
aijbms-280	1	138	malimran23@my.trine.edu	malimran23@my.trine.edu	PROPN
aijbms-280	1	139	(	(	PUNCT
aijbms-280	1	140	b	b	NOUN
aijbms-280	1	141	)	)	PUNCT
aijbms-280	1	142	master	master	NOUN
aijbms-280	1	143	of	of	ADP
aijbms-280	1	144	science	science	NOUN
aijbms-280	1	145	in	in	ADP
aijbms-280	1	146	business	business	NOUN
aijbms-280	1	147	analytics	analytic	NOUN
aijbms-280	1	148	,	,	PUNCT
aijbms-280	1	149	college	college	NOUN
aijbms-280	1	150	of	of	ADP
aijbms-280	1	151	graduate	graduate	NOUN
aijbms-280	1	152	and	and	CCONJ
aijbms-280	1	153	professional	professional	ADJ
aijbms-280	1	154	studies	study	NOUN
aijbms-280	1	155	,	,	PUNCT
aijbms-280	1	156	trine	trine	PROPN
aijbms-280	1	157	university	university	NOUN
aijbms-280	1	158	,	,	PUNCT
aijbms-280	1	159	allen	allen	PROPN
aijbms-280	1	160	park	park	PROPN
aijbms-280	1	161	,	,	PUNCT
aijbms-280	1	162	michigan	michigan	PROPN
aijbms-280	1	163	48101	48101	NUM
aijbms-280	1	164	-	-	SYM
aijbms-280	1	165	3636	3636	NUM
aijbms-280	1	166	,	,	PUNCT
aijbms-280	1	167	united	united	PROPN
aijbms-280	1	168	states	states	PROPN
aijbms-280	1	169	of	of	ADP
aijbms-280	1	170	america	america	PROPN
aijbms-280	1	171	;	;	PUNCT
aijbms-280	1	172	e	e	X
aijbms-280	1	173	-	-	NOUN
aijbms-280	1	174	mail	mail	NOUN
aijbms-280	1	175	:	:	PUNCT
aijbms-280	1	176	mchowdhury23@my.trine.edu	mchowdhury23@my.trine.edu	X
aijbms-280	1	177	(	(	PUNCT
aijbms-280	1	178	c	c	NOUN
aijbms-280	1	179	)	)	PUNCT
aijbms-280	1	180	department	department	NOUN
aijbms-280	1	181	of	of	ADP
aijbms-280	1	182	businesses	businesses	PROPN
aijbms-280	1	183	administration	administration	PROPN
aijbms-280	1	184	,	,	PUNCT
aijbms-280	1	185	daffodil	daffodil	ADJ
aijbms-280	1	186	international	international	ADJ
aijbms-280	1	187	university	university	NOUN
aijbms-280	1	188	,	,	PUNCT
aijbms-280	1	189	dhaka-1216	dhaka-1216	NOUN
aijbms-280	1	190	,	,	PUNCT
aijbms-280	1	191	bangladesh	bangladesh	NOUN
aijbms-280	1	192	;	;	PUNCT
aijbms-280	1	193	e	e	X
aijbms-280	1	194	-	-	NOUN
aijbms-280	1	195	mail	mail	NOUN
aijbms-280	1	196	:	:	PUNCT
aijbms-280	1	197	abdikhaliq6355@gmail.com	abdikhaliq6355@gmail.com	X
aijbms-280	2	1	(	(	PUNCT
aijbms-280	2	2	d	d	X
aijbms-280	2	3	)	)	PUNCT
aijbms-280	2	4	department	department	NOUN
aijbms-280	2	5	of	of	ADP
aijbms-280	2	6	businesses	businesses	PROPN
aijbms-280	2	7	administration	administration	NOUN
aijbms-280	2	8	,	,	PUNCT
aijbms-280	2	9	north	north	PROPN
aijbms-280	2	10	south	south	PROPN
aijbms-280	2	11	university	university	NOUN
aijbms-280	2	12	,	,	PUNCT
aijbms-280	2	13	dhaka-1229	dhaka-1229	NOUN
aijbms-280	2	14	,	,	PUNCT
aijbms-280	2	15	bangladesh	bangladesh	NOUN
aijbms-280	2	16	;	;	PUNCT
aijbms-280	2	17	e	e	X
aijbms-280	2	18	-	-	NOUN
aijbms-280	2	19	mail	mail	NOUN
aijbms-280	2	20	:	:	PUNCT
aijbms-280	2	21	abdullah_al_masum@ymail.com	abdullah_al_masum@ymail.com	X
aijbms-280	3	1	a	a	DET
aijbms-280	3	2	r	r	NOUN
aijbms-280	3	3	t	t	NOUN
aijbms-280	3	4	i	i	PRON
aijbms-280	3	5	c	c	NOUN
aijbms-280	3	6	l	l	NOUN
aijbms-280	3	7	e	e	NOUN
aijbms-280	4	1	i	i	PRON
aijbms-280	4	2	n	n	VERB
aijbms-280	4	3	f	f	NOUN
aijbms-280	4	4	o	o	NOUN
aijbms-280	4	5	article	article	NOUN
aijbms-280	4	6	history	history	NOUN
aijbms-280	4	7	:	:	PUNCT
aijbms-280	4	8	received	receive	VERB
aijbms-280	4	9	:	:	PUNCT
aijbms-280	4	10	18th	18th	ADJ
aijbms-280	4	11	october	october	PROPN
aijbms-280	4	12	2022	2022	NUM
aijbms-280	4	13	revised	revise	VERB
aijbms-280	4	14	:	:	PUNCT
aijbms-280	4	15	30th	30th	ADJ
aijbms-280	4	16	november	november	PROPN
aijbms-280	4	17	2022	2022	NUM
aijbms-280	4	18	accepted	accept	VERB
aijbms-280	4	19	:	:	PUNCT
aijbms-280	4	20	18th	18th	ADJ
aijbms-280	4	21	december	december	PROPN
aijbms-280	4	22	2022	2022	NUM
aijbms-280	4	23	published	publish	VERB
aijbms-280	4	24	:	:	PUNCT
aijbms-280	4	25	30th	30th	ADJ
aijbms-280	4	26	december	december	PROPN
aijbms-280	4	27	2022	2022	NUM
aijbms-280	4	28	keywords	keyword	NOUN
aijbms-280	4	29	:	:	PUNCT
aijbms-280	4	30	micro	micro	ADJ
aijbms-280	4	31	insurance	insurance	NOUN
aijbms-280	4	32	,	,	PUNCT
aijbms-280	4	33	microfinance	microfinance	NOUN
aijbms-280	4	34	,	,	PUNCT
aijbms-280	4	35	somalia	somalia	PROPN
aijbms-280	4	36	jel	jel	PROPN
aijbms-280	4	37	classification	classification	NOUN
aijbms-280	4	38	codes	code	NOUN
aijbms-280	4	39	:	:	PUNCT
aijbms-280	4	40	g21	g21	PROPN
aijbms-280	4	41	,	,	PUNCT
aijbms-280	4	42	g22	g22	NOUN
aijbms-280	4	43	a	a	DET
aijbms-280	4	44	b	b	PROPN
aijbms-280	4	45	s	s	ADP
aijbms-280	4	46	t	t	PROPN
aijbms-280	4	47	r	r	NOUN
aijbms-280	4	48	a	a	DET
aijbms-280	4	49	c	c	NOUN
aijbms-280	4	50	t	t	NOUN
aijbms-280	4	51	this	this	DET
aijbms-280	4	52	research	research	NOUN
aijbms-280	4	53	aims	aim	VERB
aijbms-280	4	54	to	to	PART
aijbms-280	4	55	determine	determine	VERB
aijbms-280	4	56	whether	whether	SCONJ
aijbms-280	4	57	micro	micro	ADJ
aijbms-280	4	58	insurance	insurance	NOUN
aijbms-280	4	59	could	could	AUX
aijbms-280	4	60	take	take	VERB
aijbms-280	4	61	the	the	DET
aijbms-280	4	62	role	role	NOUN
aijbms-280	4	63	of	of	ADP
aijbms-280	4	64	conventional	conventional	ADJ
aijbms-280	4	65	microfinance	microfinance	NOUN
aijbms-280	4	66	for	for	ADP
aijbms-280	4	67	the	the	DET
aijbms-280	4	68	underprivileged	underprivileged	ADJ
aijbms-280	4	69	in	in	ADP
aijbms-280	4	70	somalia	somalia	PROPN
aijbms-280	4	71	.	.	PUNCT
aijbms-280	5	1	the	the	DET
aijbms-280	5	2	current	current	ADJ
aijbms-280	5	3	situation	situation	NOUN
aijbms-280	5	4	of	of	ADP
aijbms-280	5	5	micro	micro	NOUN
aijbms-280	5	6	-	-	NOUN
aijbms-280	5	7	insurance	insurance	NOUN
aijbms-280	5	8	in	in	ADP
aijbms-280	5	9	somalia	somalia	PROPN
aijbms-280	5	10	is	be	AUX
aijbms-280	5	11	examined	examine	VERB
aijbms-280	5	12	in	in	ADP
aijbms-280	5	13	this	this	DET
aijbms-280	5	14	study	study	NOUN
aijbms-280	5	15	,	,	PUNCT
aijbms-280	5	16	along	along	ADP
aijbms-280	5	17	with	with	ADP
aijbms-280	5	18	the	the	DET
aijbms-280	5	19	difficulties	difficulty	NOUN
aijbms-280	5	20	encountered	encounter	VERB
aijbms-280	5	21	and	and	CCONJ
aijbms-280	5	22	the	the	DET
aijbms-280	5	23	potential	potential	NOUN
aijbms-280	5	24	for	for	ADP
aijbms-280	5	25	development	development	NOUN
aijbms-280	5	26	.	.	PUNCT
aijbms-280	6	1	the	the	DET
aijbms-280	6	2	study	study	NOUN
aijbms-280	6	3	also	also	ADV
aijbms-280	6	4	investigates	investigate	VERB
aijbms-280	6	5	how	how	SCONJ
aijbms-280	6	6	the	the	DET
aijbms-280	6	7	poor	poor	ADJ
aijbms-280	6	8	view	view	NOUN
aijbms-280	6	9	micro	micro	NOUN
aijbms-280	6	10	-	-	NOUN
aijbms-280	6	11	insurance	insurance	NOUN
aijbms-280	6	12	and	and	CCONJ
aijbms-280	6	13	whether	whether	SCONJ
aijbms-280	6	14	they	they	PRON
aijbms-280	6	15	are	be	AUX
aijbms-280	6	16	willing	willing	ADJ
aijbms-280	6	17	to	to	PART
aijbms-280	6	18	use	use	VERB
aijbms-280	6	19	this	this	DET
aijbms-280	6	20	financial	financial	ADJ
aijbms-280	6	21	tool	tool	NOUN
aijbms-280	6	22	.	.	PUNCT
aijbms-280	7	1	the	the	DET
aijbms-280	7	2	outcomes	outcome	NOUN
aijbms-280	7	3	of	of	ADP
aijbms-280	7	4	this	this	DET
aijbms-280	7	5	paper	paper	NOUN
aijbms-280	7	6	will	will	AUX
aijbms-280	7	7	aid	aid	VERB
aijbms-280	7	8	in	in	ADP
aijbms-280	7	9	shaping	shape	VERB
aijbms-280	7	10	future	future	ADJ
aijbms-280	7	11	micro	micro	NOUN
aijbms-280	7	12	-	-	NOUN
aijbms-280	7	13	insurance	insurance	ADJ
aijbms-280	7	14	programs	program	NOUN
aijbms-280	7	15	that	that	PRON
aijbms-280	7	16	are	be	AUX
aijbms-280	7	17	more	more	ADV
aijbms-280	7	18	successful	successful	ADJ
aijbms-280	7	19	by	by	ADP
aijbms-280	7	20	shedding	shed	VERB
aijbms-280	7	21	light	light	NOUN
aijbms-280	7	22	on	on	ADP
aijbms-280	7	23	the	the	DET
aijbms-280	7	24	viability	viability	NOUN
aijbms-280	7	25	of	of	ADP
aijbms-280	7	26	using	use	VERB
aijbms-280	7	27	it	it	PRON
aijbms-280	7	28	to	to	PART
aijbms-280	7	29	help	help	VERB
aijbms-280	7	30	somalia	somalia	PROPN
aijbms-280	7	31	's	's	PART
aijbms-280	7	32	poor	poor	ADJ
aijbms-280	7	33	gain	gain	VERB
aijbms-280	7	34	financial	financial	ADJ
aijbms-280	7	35	inclusion	inclusion	NOUN
aijbms-280	7	36	.	.	PUNCT
aijbms-280	8	1	the	the	DET
aijbms-280	8	2	study	study	NOUN
aijbms-280	8	3	examined	examine	VERB
aijbms-280	8	4	how	how	SCONJ
aijbms-280	8	5	micro	micro	ADJ
aijbms-280	8	6	-	-	NOUN
aijbms-280	8	7	insurance	insurance	NOUN
aijbms-280	8	8	affects	affect	VERB
aijbms-280	8	9	the	the	DET
aijbms-280	8	10	poor	poor	NOUN
aijbms-280	8	11	's	's	PART
aijbms-280	8	12	access	access	NOUN
aijbms-280	8	13	to	to	ADP
aijbms-280	8	14	the	the	DET
aijbms-280	8	15	financial	financial	ADJ
aijbms-280	8	16	system	system	NOUN
aijbms-280	8	17	and	and	CCONJ
aijbms-280	8	18	risk	risk	NOUN
aijbms-280	8	19	management	management	NOUN
aijbms-280	8	20	skills	skill	NOUN
aijbms-280	8	21	.	.	PUNCT
aijbms-280	9	1	the	the	DET
aijbms-280	9	2	non	non	ADJ
aijbms-280	9	3	-	-	ADJ
aijbms-280	9	4	probabilistic	probabilistic	ADJ
aijbms-280	9	5	sampling	sampling	NOUN
aijbms-280	9	6	method	method	NOUN
aijbms-280	9	7	is	be	AUX
aijbms-280	9	8	used	use	VERB
aijbms-280	9	9	to	to	PART
aijbms-280	9	10	conduct	conduct	VERB
aijbms-280	9	11	the	the	DET
aijbms-280	9	12	study	study	NOUN
aijbms-280	9	13	,	,	PUNCT
aijbms-280	9	14	including	include	VERB
aijbms-280	9	15	a	a	DET
aijbms-280	9	16	literature	literature	NOUN
aijbms-280	9	17	review	review	NOUN
aijbms-280	9	18	,	,	PUNCT
aijbms-280	9	19	stakeholder	stakeholder	NOUN
aijbms-280	9	20	interviews	interview	NOUN
aijbms-280	9	21	,	,	PUNCT
aijbms-280	9	22	and	and	CCONJ
aijbms-280	9	23	surveys	survey	NOUN
aijbms-280	9	24	of	of	ADP
aijbms-280	9	25	clients	client	NOUN
aijbms-280	9	26	.	.	PUNCT
aijbms-280	10	1	the	the	DET
aijbms-280	10	2	results	result	NOUN
aijbms-280	10	3	of	of	ADP
aijbms-280	10	4	this	this	DET
aijbms-280	10	5	study	study	NOUN
aijbms-280	10	6	will	will	AUX
aijbms-280	10	7	help	help	VERB
aijbms-280	10	8	researchers	researcher	NOUN
aijbms-280	10	9	better	well	ADV
aijbms-280	10	10	understand	understand	VERB
aijbms-280	10	11	how	how	SCONJ
aijbms-280	10	12	micro	micro	ADJ
aijbms-280	10	13	insurance	insurance	NOUN
aijbms-280	10	14	may	may	AUX
aijbms-280	10	15	be	be	AUX
aijbms-280	10	16	used	use	VERB
aijbms-280	10	17	in	in	ADP
aijbms-280	10	18	somalia	somalia	PROPN
aijbms-280	10	19	to	to	PART
aijbms-280	10	20	promote	promote	VERB
aijbms-280	10	21	financial	financial	ADJ
aijbms-280	10	22	inclusion	inclusion	NOUN
aijbms-280	10	23	and	and	CCONJ
aijbms-280	10	24	fight	fight	VERB
aijbms-280	10	25	poverty	poverty	NOUN
aijbms-280	10	26	.	.	PUNCT
aijbms-280	11	1	the	the	DET
aijbms-280	11	2	findings	finding	NOUN
aijbms-280	11	3	will	will	AUX
aijbms-280	11	4	also	also	ADV
aijbms-280	11	5	help	help	VERB
aijbms-280	11	6	policymakers	policymaker	NOUN
aijbms-280	11	7	and	and	CCONJ
aijbms-280	11	8	practitioners	practitioner	NOUN
aijbms-280	11	9	to	to	PART
aijbms-280	11	10	figure	figure	VERB
aijbms-280	11	11	out	out	ADP
aijbms-280	11	12	the	the	DET
aijbms-280	11	13	best	good	ADJ
aijbms-280	11	14	strategy	strategy	NOUN
aijbms-280	11	15	for	for	ADP
aijbms-280	11	16	utilizing	utilize	VERB
aijbms-280	11	17	micro	micro	ADJ
aijbms-280	11	18	insurance	insurance	NOUN
aijbms-280	11	19	’s	’s	PART
aijbms-280	11	20	potential	potential	NOUN
aijbms-280	11	21	to	to	PART
aijbms-280	11	22	lessen	lessen	VERB
aijbms-280	11	23	poverty	poverty	NOUN
aijbms-280	11	24	and	and	CCONJ
aijbms-280	11	25	encourage	encourage	VERB
aijbms-280	11	26	financial	financial	ADJ
aijbms-280	11	27	inclusion	inclusion	NOUN
aijbms-280	11	28	among	among	ADP
aijbms-280	11	29	the	the	DET
aijbms-280	11	30	underprivileged	underprivileged	ADJ
aijbms-280	11	31	in	in	ADP
aijbms-280	11	32	somalia	somalia	PROPN
aijbms-280	11	33	.	.	PUNCT
aijbms-280	12	1	©	©	ADP
aijbms-280	12	2	2022	2022	NUM
aijbms-280	12	3	by	by	ADP
aijbms-280	12	4	the	the	DET
aijbms-280	12	5	authors	author	NOUN
aijbms-280	12	6	.	.	PUNCT
aijbms-280	13	1	licensee	licensee	PROPN
aijbms-280	13	2	acse	acse	PROPN
aijbms-280	13	3	,	,	PUNCT
aijbms-280	13	4	usa	usa	PROPN
aijbms-280	13	5	.	.	PROPN
aijbms-280	14	1	this	this	DET
aijbms-280	14	2	article	article	NOUN
aijbms-280	14	3	is	be	AUX
aijbms-280	14	4	an	an	DET
aijbms-280	14	5	open	open	ADJ
aijbms-280	14	6	access	access	NOUN
aijbms-280	14	7	article	article	NOUN
aijbms-280	14	8	distributed	distribute	VERB
aijbms-280	14	9	under	under	ADP
aijbms-280	14	10	the	the	DET
aijbms-280	14	11	terms	term	NOUN
aijbms-280	14	12	and	and	CCONJ
aijbms-280	14	13	conditions	condition	NOUN
aijbms-280	14	14	of	of	ADP
aijbms-280	14	15	the	the	DET
aijbms-280	14	16	creative	creative	ADJ
aijbms-280	14	17	commons	common	NOUN
aijbms-280	14	18	attribution	attribution	NOUN
aijbms-280	14	19	(	(	PUNCT
aijbms-280	14	20	cc	cc	NOUN
aijbms-280	14	21	by	by	ADP
aijbms-280	14	22	)	)	PUNCT
aijbms-280	14	23	license	license	NOUN
aijbms-280	14	24	(	(	PUNCT
aijbms-280	14	25	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijbms-280	14	26	)	)	PUNCT
aijbms-280	14	27	.	.	PUNCT
aijbms-280	15	1	introduction	introduction	NOUN
aijbms-280	15	2	a	a	DET
aijbms-280	15	3	viable	viable	ADJ
aijbms-280	15	4	method	method	NOUN
aijbms-280	15	5	for	for	ADP
aijbms-280	15	6	reducing	reduce	VERB
aijbms-280	15	7	poverty	poverty	NOUN
aijbms-280	15	8	and	and	CCONJ
aijbms-280	15	9	encouraging	encourage	VERB
aijbms-280	15	10	financial	financial	ADJ
aijbms-280	15	11	inclusion	inclusion	NOUN
aijbms-280	15	12	among	among	ADP
aijbms-280	15	13	the	the	DET
aijbms-280	15	14	underprivileged	underprivileged	ADJ
aijbms-280	15	15	in	in	ADP
aijbms-280	15	16	developing	develop	VERB
aijbms-280	15	17	nations	nation	NOUN
aijbms-280	15	18	is	be	AUX
aijbms-280	15	19	micro	micro	ADJ
aijbms-280	15	20	insurance	insurance	NOUN
aijbms-280	15	21	(	(	PUNCT
aijbms-280	15	22	janzen	janzen	PROPN
aijbms-280	15	23	&	&	CCONJ
aijbms-280	15	24	carter	carter	PROPN
aijbms-280	15	25	,	,	PUNCT
aijbms-280	15	26	2019	2019	NUM
aijbms-280	15	27	;	;	PUNCT
aijbms-280	15	28	ali	ali	PROPN
aijbms-280	15	29	et	et	PROPN
aijbms-280	15	30	al	al	PROPN
aijbms-280	15	31	.	.	PROPN
aijbms-280	15	32	,	,	PUNCT
aijbms-280	15	33	2020a	2020a	NUM
aijbms-280	15	34	;	;	PUNCT
aijbms-280	15	35	ali	ali	PROPN
aijbms-280	15	36	et	et	PROPN
aijbms-280	15	37	al	al	PROPN
aijbms-280	15	38	.	.	PROPN
aijbms-280	15	39	,	,	PUNCT
aijbms-280	15	40	2020b	2020b	NUM
aijbms-280	15	41	)	)	PUNCT
aijbms-280	15	42	.	.	PUNCT
aijbms-280	16	1	micro	micro	PROPN
aijbms-280	16	2	insurance	insurance	PROPN
aijbms-280	16	3	is	be	AUX
aijbms-280	16	4	still	still	ADV
aijbms-280	16	5	not	not	PART
aijbms-280	16	6	widely	widely	ADV
aijbms-280	16	7	used	use	VERB
aijbms-280	16	8	or	or	CCONJ
aijbms-280	16	9	adopted	adopt	VERB
aijbms-280	16	10	in	in	ADP
aijbms-280	16	11	somalia	somalia	PROPN
aijbms-280	16	12	,	,	PUNCT
aijbms-280	16	13	despite	despite	SCONJ
aijbms-280	16	14	the	the	DET
aijbms-280	16	15	potential	potential	ADJ
aijbms-280	16	16	advantages	advantage	NOUN
aijbms-280	16	17	.	.	PUNCT
aijbms-280	17	1	the	the	DET
aijbms-280	17	2	purpose	purpose	NOUN
aijbms-280	17	3	of	of	ADP
aijbms-280	17	4	this	this	DET
aijbms-280	17	5	study	study	NOUN
aijbms-280	17	6	is	be	AUX
aijbms-280	17	7	to	to	PART
aijbms-280	17	8	assess	assess	VERB
aijbms-280	17	9	the	the	DET
aijbms-280	17	10	viability	viability	NOUN
aijbms-280	17	11	of	of	ADP
aijbms-280	17	12	micro	micro	PROPN
aijbms-280	17	13	insurance	insurance	NOUN
aijbms-280	17	14	as	as	ADP
aijbms-280	17	15	a	a	DET
aijbms-280	17	16	new	new	ADJ
aijbms-280	17	17	microfinance	microfinance	NOUN
aijbms-280	17	18	tool	tool	NOUN
aijbms-280	17	19	for	for	ADP
aijbms-280	17	20	the	the	DET
aijbms-280	17	21	impoverished	impoverished	ADJ
aijbms-280	17	22	in	in	ADP
aijbms-280	17	23	somalia	somalia	PROPN
aijbms-280	17	24	,	,	PUNCT
aijbms-280	17	25	with	with	ADP
aijbms-280	17	26	an	an	DET
aijbms-280	17	27	emphasis	emphasis	NOUN
aijbms-280	17	28	on	on	ADP
aijbms-280	17	29	its	its	PRON
aijbms-280	17	30	adoption	adoption	NOUN
aijbms-280	17	31	and	and	CCONJ
aijbms-280	17	32	usage	usage	NOUN
aijbms-280	17	33	,	,	PUNCT
aijbms-280	17	34	as	as	ADV
aijbms-280	17	35	well	well	ADV
aijbms-280	17	36	as	as	ADP
aijbms-280	17	37	the	the	DET
aijbms-280	17	38	challenges	challenge	NOUN
aijbms-280	17	39	and	and	CCONJ
aijbms-280	17	40	opportunities	opportunity	NOUN
aijbms-280	17	41	it	it	PRON
aijbms-280	17	42	provides	provide	VERB
aijbms-280	17	43	(	(	PUNCT
aijbms-280	17	44	hassan	hassan	PROPN
aijbms-280	17	45	,	,	PUNCT
aijbms-280	17	46	2020	2020	NUM
aijbms-280	17	47	)	)	PUNCT
aijbms-280	17	48	.	.	PUNCT
aijbms-280	18	1	micro	micro	PROPN
aijbms-280	18	2	insurance	insurance	PROPN
aijbms-280	18	3	,	,	PUNCT
aijbms-280	18	4	a	a	DET
aijbms-280	18	5	branch	branch	NOUN
aijbms-280	18	6	of	of	ADP
aijbms-280	18	7	microfinance	microfinance	NOUN
aijbms-280	18	8	,	,	PUNCT
aijbms-280	18	9	aims	aim	VERB
aijbms-280	18	10	to	to	PART
aijbms-280	18	11	assist	assist	VERB
aijbms-280	18	12	lowincome	lowincome	NOUN
aijbms-280	18	13	families	family	NOUN
aijbms-280	18	14	by	by	ADP
aijbms-280	18	15	providing	provide	VERB
aijbms-280	18	16	insurance	insurance	NOUN
aijbms-280	18	17	coverage	coverage	NOUN
aijbms-280	18	18	customized	customize	VERB
aijbms-280	18	19	to	to	ADP
aijbms-280	18	20	their	their	PRON
aijbms-280	18	21	requirements	requirement	NOUN
aijbms-280	18	22	.	.	PUNCT
aijbms-280	19	1	in	in	ADP
aijbms-280	19	2	underdeveloped	underdeveloped	ADJ
aijbms-280	19	3	nations	nation	NOUN
aijbms-280	19	4	,	,	PUNCT
aijbms-280	19	5	when	when	SCONJ
aijbms-280	19	6	the	the	DET
aijbms-280	19	7	current	current	ADJ
aijbms-280	19	8	insurance	insurance	NOUN
aijbms-280	19	9	markets	market	NOUN
aijbms-280	19	10	are	be	AUX
aijbms-280	19	11	ineffective	ineffective	ADJ
aijbms-280	19	12	or	or	CCONJ
aijbms-280	19	13	non	non	ADJ
aijbms-280	19	14	-	-	ADJ
aijbms-280	19	15	existent	existent	ADJ
aijbms-280	19	16	,	,	PUNCT
aijbms-280	19	17	micro	micro	ADJ
aijbms-280	19	18	insurance	insurance	NOUN
aijbms-280	19	19	is	be	AUX
aijbms-280	19	20	frequently	frequently	ADV
aijbms-280	19	21	practiced	practice	VERB
aijbms-280	19	22	.	.	PUNCT
aijbms-280	20	1	the	the	DET
aijbms-280	20	2	insured	insure	VERB
aijbms-280	20	3	pays	pay	VERB
aijbms-280	20	4	much	much	ADJ
aijbms-280	20	5	cheaper	cheap	ADJ
aijbms-280	20	6	premiums	premium	NOUN
aijbms-280	20	7	because	because	SCONJ
aijbms-280	20	8	the	the	DET
aijbms-280	20	9	coverage	coverage	NOUN
aijbms-280	20	10	worth	worth	NOUN
aijbms-280	20	11	is	be	AUX
aijbms-280	20	12	significantly	significantly	ADV
aijbms-280	20	13	smaller	small	ADJ
aijbms-280	20	14	than	than	ADP
aijbms-280	20	15	that	that	PRON
aijbms-280	20	16	of	of	ADP
aijbms-280	20	17	a	a	DET
aijbms-280	20	18	standard	standard	ADJ
aijbms-280	20	19	insurance	insurance	NOUN
aijbms-280	20	20	plan	plan	NOUN
aijbms-280	20	21	(	(	PUNCT
aijbms-280	20	22	banerjee	banerjee	PROPN
aijbms-280	20	23	et	et	PROPN
aijbms-280	20	24	al	al	PROPN
aijbms-280	20	25	.	.	PROPN
aijbms-280	20	26	,	,	PUNCT
aijbms-280	20	27	2018	2018	NUM
aijbms-280	20	28	)	)	PUNCT
aijbms-280	20	29	.	.	PUNCT
aijbms-280	21	1	adults	adult	NOUN
aijbms-280	21	2	in	in	ADP
aijbms-280	21	3	low	low	ADJ
aijbms-280	21	4	-	-	PUNCT
aijbms-280	21	5	income	income	NOUN
aijbms-280	21	6	households	household	NOUN
aijbms-280	21	7	or	or	CCONJ
aijbms-280	21	8	those	those	PRON
aijbms-280	21	9	without	without	ADP
aijbms-280	21	10	retirement	retirement	NOUN
aijbms-280	21	11	savings	saving	NOUN
aijbms-280	21	12	are	be	AUX
aijbms-280	21	13	typically	typically	ADV
aijbms-280	21	14	covered	cover	VERB
aijbms-280	21	15	by	by	ADP
aijbms-280	21	16	micro	micro	ADJ
aijbms-280	21	17	insurance	insurance	NOUN
aijbms-280	21	18	.	.	PUNCT
aijbms-280	22	1	islam	islam	PROPN
aijbms-280	22	2	(	(	PUNCT
aijbms-280	22	3	2015	2015	NUM
aijbms-280	22	4	)	)	PUNCT
aijbms-280	22	5	stated	state	VERB
aijbms-280	22	6	that	that	SCONJ
aijbms-280	22	7	micro	micro	PROPN
aijbms-280	22	8	insurance	insurance	NOUN
aijbms-280	22	9	solutions	solution	NOUN
aijbms-280	22	10	are	be	AUX
aijbms-280	22	11	designed	design	VERB
aijbms-280	22	12	primarily	primarily	ADV
aijbms-280	22	13	to	to	PART
aijbms-280	22	14	cover	cover	VERB
aijbms-280	22	15	lesser	less	ADJ
aijbms-280	22	16	valued	value	VERB
aijbms-280	22	17	belongings	belonging	NOUN
aijbms-280	22	18	or	or	CCONJ
aijbms-280	22	19	assets	asset	NOUN
aijbms-280	22	20	as	as	ADV
aijbms-280	22	21	well	well	ADV
aijbms-280	22	22	as	as	ADP
aijbms-280	22	23	recompense	recompense	NOUN
aijbms-280	22	24	for	for	ADP
aijbms-280	22	25	illness	illness	NOUN
aijbms-280	22	26	,	,	PUNCT
aijbms-280	22	27	injury	injury	NOUN
aijbms-280	22	28	,	,	PUNCT
aijbms-280	22	29	or	or	CCONJ
aijbms-280	22	30	death	death	NOUN
aijbms-280	22	31	.	.	PUNCT
aijbms-280	23	1	the	the	DET
aijbms-280	23	2	four	four	NUM
aijbms-280	23	3	primary	primary	ADJ
aijbms-280	23	4	methods	method	NOUN
aijbms-280	23	5	for	for	ADP
aijbms-280	23	6	delivering	deliver	VERB
aijbms-280	23	7	micro	micro	ADJ
aijbms-280	23	8	insurance	insurance	NOUN
aijbms-280	23	9	are	be	AUX
aijbms-280	23	10	provider	provider	NOUN
aijbms-280	23	11	-	-	PUNCT
aijbms-280	23	12	driven	drive	VERB
aijbms-280	23	13	strategies	strategy	NOUN
aijbms-280	23	14	,	,	PUNCT
aijbms-280	23	15	full	full	ADJ
aijbms-280	23	16	-	-	PUNCT
aijbms-280	23	17	service	service	NOUN
aijbms-280	23	18	approaches	approach	NOUN
aijbms-280	23	19	,	,	PUNCT
aijbms-280	23	20	community	community	NOUN
aijbms-280	23	21	-	-	PUNCT
aijbms-280	23	22	based	base	VERB
aijbms-280	23	23	models	model	NOUN
aijbms-280	23	24	,	,	PUNCT
aijbms-280	23	25	and	and	CCONJ
aijbms-280	23	26	partner	partner	NOUN
aijbms-280	23	27	-	-	PUNCT
aijbms-280	23	28	agent	agent	NOUN
aijbms-280	23	29	models	model	NOUN
aijbms-280	23	30	,	,	PUNCT
aijbms-280	23	31	in	in	ADP
aijbms-280	23	32	that	that	DET
aijbms-280	23	33	order	order	NOUN
aijbms-280	23	34	.	.	PUNCT
aijbms-280	24	1	in	in	ADP
aijbms-280	24	2	somalia	somalia	PROPN
aijbms-280	24	3	,	,	PUNCT
aijbms-280	24	4	the	the	DET
aijbms-280	24	5	microfinance	microfinance	NOUN
aijbms-280	24	6	industry	industry	NOUN
aijbms-280	24	7	is	be	AUX
aijbms-280	24	8	currently	currently	ADV
aijbms-280	24	9	without	without	ADP
aijbms-280	24	10	proper	proper	ADJ
aijbms-280	24	11	regulation	regulation	NOUN
aijbms-280	24	12	.	.	PUNCT
aijbms-280	25	1	the	the	DET
aijbms-280	25	2	2012	2012	NUM
aijbms-280	25	3	financial	financial	ADJ
aijbms-280	25	4	institutions	institution	NOUN
aijbms-280	25	5	law	law	NOUN
aijbms-280	25	6	only	only	ADV
aijbms-280	25	7	acknowledges	acknowledge	VERB
aijbms-280	25	8	commercial	commercial	ADJ
aijbms-280	25	9	banks	bank	NOUN
aijbms-280	25	10	and	and	CCONJ
aijbms-280	25	11	money	money	NOUN
aijbms-280	25	12	transfer	transfer	NOUN
aijbms-280	25	13	businesses	business	NOUN
aijbms-280	25	14	as	as	ADP
aijbms-280	25	15	financial	financial	ADJ
aijbms-280	25	16	institutions	institution	NOUN
aijbms-280	25	17	,	,	PUNCT
aijbms-280	25	18	leaving	leave	VERB
aijbms-280	25	19	microfinance	microfinance	NOUN
aijbms-280	25	20	companies	company	NOUN
aijbms-280	25	21	in	in	ADP
aijbms-280	25	22	a	a	DET
aijbms-280	25	23	legally	legally	ADV
aijbms-280	25	24	uncertain	uncertain	ADJ
aijbms-280	25	25	position	position	NOUN
aijbms-280	25	26	.	.	PUNCT
aijbms-280	26	1	the	the	DET
aijbms-280	26	2	fil	fil	NOUN
aijbms-280	26	3	is	be	AUX
aijbms-280	26	4	undergoing	undergo	VERB
aijbms-280	26	5	modernization	modernization	NOUN
aijbms-280	26	6	and	and	CCONJ
aijbms-280	26	7	revision	revision	NOUN
aijbms-280	26	8	in	in	ADP
aijbms-280	26	9	2019	2019	NUM
aijbms-280	26	10	to	to	PART
aijbms-280	26	11	address	address	VERB
aijbms-280	26	12	this	this	DET
aijbms-280	26	13	issue	issue	NOUN
aijbms-280	26	14	(	(	PUNCT
aijbms-280	26	15	xalane	xalane	PROPN
aijbms-280	26	16	&	&	CCONJ
aijbms-280	26	17	salleh	salleh	PROPN
aijbms-280	26	18	,	,	PUNCT
aijbms-280	26	19	2019	2019	NUM
aijbms-280	26	20	;	;	PUNCT
aijbms-280	26	21	chowdhury	chowdhury	PROPN
aijbms-280	26	22	et	et	PROPN
aijbms-280	26	23	al	al	PROPN
aijbms-280	26	24	.	.	PROPN
aijbms-280	26	25	,	,	PUNCT
aijbms-280	26	26	2020	2020	NUM
aijbms-280	26	27	;	;	PUNCT
aijbms-280	26	28	chowdhury	chowdhury	PROPN
aijbms-280	26	29	et	et	PROPN
aijbms-280	26	30	al	al	PROPN
aijbms-280	26	31	.	.	PROPN
aijbms-280	26	32	,	,	PUNCT
aijbms-280	26	33	2021	2021	NUM
aijbms-280	26	34	)	)	PUNCT
aijbms-280	26	35	.	.	PUNCT
aijbms-280	27	1	the	the	DET
aijbms-280	27	2	regional	regional	ADJ
aijbms-280	27	3	reach	reach	NOUN
aijbms-280	27	4	of	of	ADP
aijbms-280	27	5	microfinance	microfinance	NOUN
aijbms-280	27	6	institutions	institution	NOUN
aijbms-280	27	7	varies	vary	VERB
aijbms-280	27	8	1corresponding	1corresponding	PROPN
aijbms-280	27	9	author	author	NOUN
aijbms-280	27	10	:	:	PUNCT
aijbms-280	27	11	orcid	orcid	PROPN
aijbms-280	27	12	i	i	PRON
aijbms-280	27	13	d	d	NOUN
aijbms-280	27	14	:	:	PUNCT
aijbms-280	27	15	0000	0000	NUM
aijbms-280	27	16	-	-	PUNCT
aijbms-280	27	17	0002	0002	NUM
aijbms-280	27	18	-	-	PUNCT
aijbms-280	27	19	5380	5380	NUM
aijbms-280	27	20	-	-	PUNCT
aijbms-280	27	21	8025	8025	NUM
aijbms-280	27	22	©	©	PROPN
aijbms-280	27	23	2022	2022	NUM
aijbms-280	27	24	by	by	ADP
aijbms-280	27	25	the	the	DET
aijbms-280	27	26	authors	author	NOUN
aijbms-280	27	27	.	.	PUNCT
aijbms-280	28	1	hosting	host	VERB
aijbms-280	28	2	by	by	ADP
aijbms-280	28	3	acse	acse	NOUN
aijbms-280	28	4	.	.	PUNCT
aijbms-280	29	1	peer	peer	NOUN
aijbms-280	29	2	review	review	NOUN
aijbms-280	29	3	under	under	ADP
aijbms-280	29	4	responsibility	responsibility	NOUN
aijbms-280	29	5	of	of	ADP
aijbms-280	29	6	acse	acse	NOUN
aijbms-280	29	7	,	,	PUNCT
aijbms-280	29	8	usa	usa	PROPN
aijbms-280	29	9	.	.	PROPN
aijbms-280	29	10	https://doi.org/10.46545/aijbms.v4i1.280	https://doi.org/10.46545/aijbms.v4i1.280	VERB
aijbms-280	29	11	to	to	PART
aijbms-280	29	12	cite	cite	VERB
aijbms-280	29	13	this	this	DET
aijbms-280	29	14	article	article	NOUN
aijbms-280	29	15	:	:	PUNCT
aijbms-280	29	16	al	al	PROPN
aijbms-280	29	17	-	-	PUNCT
aijbms-280	29	18	imran	imran	PROPN
aijbms-280	29	19	,	,	PUNCT
aijbms-280	29	20	m.	m.	NOUN
aijbms-280	29	21	,	,	PUNCT
aijbms-280	29	22	chowdhury	chowdhury	PROPN
aijbms-280	29	23	,	,	PUNCT
aijbms-280	29	24	m.	m.	NOUN
aijbms-280	29	25	s.	s.	PROPN
aijbms-280	29	26	,	,	PUNCT
aijbms-280	29	27	ayanle	ayanle	PROPN
aijbms-280	29	28	,	,	PUNCT
aijbms-280	29	29	a.	a.	PROPN
aijbms-280	29	30	d.	d.	PROPN
aijbms-280	29	31	,	,	PUNCT
aijbms-280	29	32	&	&	CCONJ
aijbms-280	29	33	masum	masum	PROPN
aijbms-280	29	34	,	,	PUNCT
aijbms-280	29	35	a.	a.	NOUN
aijbms-280	29	36	a.	a.	NOUN
aijbms-280	29	37	(	(	PUNCT
aijbms-280	29	38	2022	2022	NUM
aijbms-280	29	39	)	)	PUNCT
aijbms-280	29	40	.	.	PUNCT
aijbms-280	30	1	assessment	assessment	NOUN
aijbms-280	30	2	of	of	ADP
aijbms-280	30	3	micro	micro	PROPN
aijbms-280	30	4	insurance	insurance	NOUN
aijbms-280	30	5	as	as	ADP
aijbms-280	30	6	an	an	DET
aijbms-280	30	7	emerging	emerge	VERB
aijbms-280	30	8	microfinance	microfinance	NOUN
aijbms-280	30	9	for	for	ADP
aijbms-280	30	10	the	the	DET
aijbms-280	30	11	poor	poor	ADJ
aijbms-280	30	12	:	:	PUNCT
aijbms-280	30	13	a	a	DET
aijbms-280	30	14	study	study	NOUN
aijbms-280	30	15	on	on	ADP
aijbms-280	30	16	somalia	somalia	PROPN
aijbms-280	30	17	.	.	PUNCT
aijbms-280	31	1	american	american	PROPN
aijbms-280	31	2	international	international	PROPN
aijbms-280	31	3	journal	journal	PROPN
aijbms-280	31	4	of	of	ADP
aijbms-280	31	5	business	business	NOUN
aijbms-280	31	6	and	and	CCONJ
aijbms-280	31	7	management	management	NOUN
aijbms-280	31	8	studies	study	NOUN
aijbms-280	31	9	,	,	PUNCT
aijbms-280	31	10	4(1	4(1	NOUN
aijbms-280	31	11	)	)	PUNCT
aijbms-280	31	12	,	,	PUNCT
aijbms-280	31	13	12–21	12–21	NUM
aijbms-280	31	14	.	.	PUNCT
aijbms-280	32	1	https://doi.org/10.46545/aijbms.v4i1.280	https://doi.org/10.46545/aijbms.v4i1.280	ADJ
aijbms-280	32	2	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijbms-280	32	3	)	)	PUNCT
aijbms-280	32	4	http://creativecommons.org/licenses/by/4.0/	http://creativecommons.org/licenses/by/4.0/	PROPN
aijbms-280	32	5	)	)	PUNCT
aijbms-280	32	6	https://doi.org/10.46545/aijbms.v4i1.280	https://doi.org/10.46545/aijbms.v4i1.280	ADJ
aijbms-280	32	7	https://orcid.org/0000-0002-9340-5642	https://orcid.org/0000-0002-9340-5642	PROPN
aijbms-280	32	8	https://orcid.org/0000-0001-5499-677x	https://orcid.org/0000-0001-5499-677x	PROPN
aijbms-280	32	9	https://orcid.org/0000-0002-5380-8025	https://orcid.org/0000-0002-5380-8025	PROPN
aijbms-280	32	10	https://orcid.org/0000-0002-4807-8662	https://orcid.org/0000-0002-4807-8662	PROPN
aijbms-280	32	11	al	al	PROPN
aijbms-280	32	12	-	-	PUNCT
aijbms-280	32	13	imran	imran	PROPN
aijbms-280	32	14	et	et	PROPN
aijbms-280	32	15	al	al	PROPN
aijbms-280	32	16	.	.	PROPN
aijbms-280	32	17	,	,	PUNCT
aijbms-280	32	18	american	american	PROPN
aijbms-280	32	19	international	international	PROPN
aijbms-280	32	20	journal	journal	PROPN
aijbms-280	32	21	of	of	ADP
aijbms-280	32	22	business	business	NOUN
aijbms-280	32	23	and	and	CCONJ
aijbms-280	32	24	management	management	NOUN
aijbms-280	32	25	studies	study	NOUN
aijbms-280	32	26	4(1	4(1	NOUN
aijbms-280	32	27	)	)	PUNCT
aijbms-280	32	28	(	(	PUNCT
aijbms-280	32	29	2022	2022	NUM
aijbms-280	32	30	)	)	PUNCT
aijbms-280	32	31	,	,	PUNCT
aijbms-280	32	32	12	12	NUM
aijbms-280	32	33	-	-	SYM
aijbms-280	32	34	21	21	NUM
aijbms-280	32	35	13	13	NUM
aijbms-280	32	36	depending	depend	VERB
aijbms-280	32	37	on	on	ADP
aijbms-280	32	38	the	the	DET
aijbms-280	32	39	institution	institution	NOUN
aijbms-280	32	40	.	.	PUNCT
aijbms-280	33	1	microfinance	microfinance	NOUN
aijbms-280	33	2	companies	company	NOUN
aijbms-280	33	3	connected	connect	VERB
aijbms-280	33	4	to	to	ADP
aijbms-280	33	5	commercial	commercial	ADJ
aijbms-280	33	6	banks	bank	NOUN
aijbms-280	33	7	typically	typically	ADV
aijbms-280	33	8	operate	operate	VERB
aijbms-280	33	9	in	in	ADP
aijbms-280	33	10	the	the	DET
aijbms-280	33	11	same	same	ADJ
aijbms-280	33	12	areas	area	NOUN
aijbms-280	33	13	as	as	ADP
aijbms-280	33	14	the	the	DET
aijbms-280	33	15	parent	parent	NOUN
aijbms-280	33	16	bank	bank	NOUN
aijbms-280	33	17	,	,	PUNCT
aijbms-280	33	18	while	while	SCONJ
aijbms-280	33	19	non	non	ADJ
aijbms-280	33	20	-	-	ADJ
aijbms-280	33	21	governmental	governmental	ADJ
aijbms-280	33	22	organizations	organization	NOUN
aijbms-280	33	23	based	base	VERB
aijbms-280	33	24	microfinance	microfinance	NOUN
aijbms-280	33	25	institutions	institution	NOUN
aijbms-280	33	26	are	be	AUX
aijbms-280	33	27	mainly	mainly	ADV
aijbms-280	33	28	located	locate	VERB
aijbms-280	33	29	in	in	ADP
aijbms-280	33	30	major	major	ADJ
aijbms-280	33	31	cities	city	NOUN
aijbms-280	33	32	such	such	ADJ
aijbms-280	33	33	as	as	ADP
aijbms-280	33	34	mogadishu	mogadishu	NOUN
aijbms-280	33	35	,	,	PUNCT
aijbms-280	33	36	hargeisa	hargeisa	NOUN
aijbms-280	33	37	,	,	PUNCT
aijbms-280	33	38	garowe	garowe	NOUN
aijbms-280	33	39	,	,	PUNCT
aijbms-280	33	40	and	and	CCONJ
aijbms-280	33	41	kismayo	kismayo	ADJ
aijbms-280	33	42	.	.	PUNCT
aijbms-280	34	1	the	the	DET
aijbms-280	34	2	size	size	NOUN
aijbms-280	34	3	of	of	ADP
aijbms-280	34	4	microfinance	microfinance	NOUN
aijbms-280	34	5	assets	asset	NOUN
aijbms-280	34	6	in	in	ADP
aijbms-280	34	7	somalia	somalia	PROPN
aijbms-280	34	8	varies	vary	VERB
aijbms-280	34	9	from	from	ADP
aijbms-280	34	10	300,000	300,000	NUM
aijbms-280	34	11	to	to	PART
aijbms-280	34	12	3	3	NUM
aijbms-280	34	13	million	million	NUM
aijbms-280	34	14	us	us	PROPN
aijbms-280	34	15	dollars	dollar	NOUN
aijbms-280	34	16	.	.	PUNCT
aijbms-280	35	1	microfinance	microfinance	NOUN
aijbms-280	35	2	services	service	NOUN
aijbms-280	35	3	in	in	ADP
aijbms-280	35	4	somalia	somalia	PROPN
aijbms-280	35	5	are	be	AUX
aijbms-280	35	6	provided	provide	VERB
aijbms-280	35	7	through	through	ADP
aijbms-280	35	8	islamic	islamic	ADJ
aijbms-280	35	9	financial	financial	ADJ
aijbms-280	35	10	instruments	instrument	NOUN
aijbms-280	35	11	,	,	PUNCT
aijbms-280	35	12	with	with	ADP
aijbms-280	35	13	the	the	DET
aijbms-280	35	14	two	two	NUM
aijbms-280	35	15	most	most	ADV
aijbms-280	35	16	commonly	commonly	ADV
aijbms-280	35	17	used	use	VERB
aijbms-280	35	18	being	be	AUX
aijbms-280	35	19	qardu	qardu	PROPN
aijbms-280	35	20	hassan	hassan	PROPN
aijbms-280	35	21	,	,	PUNCT
aijbms-280	35	22	which	which	PRON
aijbms-280	35	23	is	be	AUX
aijbms-280	35	24	based	base	VERB
aijbms-280	35	25	on	on	ADP
aijbms-280	35	26	charity	charity	NOUN
aijbms-280	35	27	and	and	CCONJ
aijbms-280	35	28	often	often	ADV
aijbms-280	35	29	funded	fund	VERB
aijbms-280	35	30	by	by	ADP
aijbms-280	35	31	donations	donation	NOUN
aijbms-280	35	32	,	,	PUNCT
aijbms-280	35	33	and	and	CCONJ
aijbms-280	35	34	murabaha	murabaha	VERB
aijbms-280	35	35	,	,	PUNCT
aijbms-280	35	36	which	which	PRON
aijbms-280	35	37	is	be	AUX
aijbms-280	35	38	based	base	VERB
aijbms-280	35	39	on	on	ADP
aijbms-280	35	40	cost	cost	NOUN
aijbms-280	35	41	-	-	PUNCT
aijbms-280	35	42	plus	plus	CCONJ
aijbms-280	35	43	financing	financing	NOUN
aijbms-280	35	44	(	(	PUNCT
aijbms-280	35	45	wajdi	wajdi	NOUN
aijbms-280	35	46	dusuki	dusuki	NOUN
aijbms-280	35	47	,	,	PUNCT
aijbms-280	35	48	2008	2008	NUM
aijbms-280	35	49	)	)	PUNCT
aijbms-280	35	50	.	.	PUNCT
aijbms-280	36	1	microfinance	microfinance	NOUN
aijbms-280	36	2	is	be	AUX
aijbms-280	36	3	a	a	DET
aijbms-280	36	4	type	type	NOUN
aijbms-280	36	5	of	of	ADP
aijbms-280	36	6	financial	financial	ADJ
aijbms-280	36	7	service	service	NOUN
aijbms-280	36	8	that	that	PRON
aijbms-280	36	9	is	be	AUX
aijbms-280	36	10	provided	provide	VERB
aijbms-280	36	11	to	to	ADP
aijbms-280	36	12	individuals	individual	NOUN
aijbms-280	36	13	who	who	PRON
aijbms-280	36	14	do	do	AUX
aijbms-280	36	15	n't	not	PART
aijbms-280	36	16	have	have	VERB
aijbms-280	36	17	access	access	NOUN
aijbms-280	36	18	to	to	ADP
aijbms-280	36	19	traditional	traditional	ADJ
aijbms-280	36	20	financial	financial	ADJ
aijbms-280	36	21	institutions	institution	NOUN
aijbms-280	36	22	,	,	PUNCT
aijbms-280	36	23	such	such	ADJ
aijbms-280	36	24	as	as	ADP
aijbms-280	36	25	banks	bank	NOUN
aijbms-280	36	26	.	.	PUNCT
aijbms-280	37	1	these	these	DET
aijbms-280	37	2	services	service	NOUN
aijbms-280	37	3	typically	typically	ADV
aijbms-280	37	4	include	include	VERB
aijbms-280	37	5	savings	saving	NOUN
aijbms-280	37	6	and	and	CCONJ
aijbms-280	37	7	loan	loan	NOUN
aijbms-280	37	8	options	option	NOUN
aijbms-280	37	9	and	and	CCONJ
aijbms-280	37	10	are	be	AUX
aijbms-280	37	11	aimed	aim	VERB
aijbms-280	37	12	at	at	ADP
aijbms-280	37	13	helping	help	VERB
aijbms-280	37	14	low	low	ADJ
aijbms-280	37	15	-	-	PUNCT
aijbms-280	37	16	income	income	NOUN
aijbms-280	37	17	households	household	NOUN
aijbms-280	37	18	manage	manage	VERB
aijbms-280	37	19	their	their	PRON
aijbms-280	37	20	finances	finance	NOUN
aijbms-280	37	21	.	.	PUNCT
aijbms-280	38	1	according	accord	VERB
aijbms-280	38	2	to	to	ADP
aijbms-280	38	3	mcguire	mcguire	PROPN
aijbms-280	38	4	and	and	CCONJ
aijbms-280	38	5	conroy	conroy	PROPN
aijbms-280	38	6	(	(	PUNCT
aijbms-280	38	7	2000	2000	NUM
aijbms-280	38	8	)	)	PUNCT
aijbms-280	38	9	,	,	PUNCT
aijbms-280	38	10	microfinance	microfinance	NOUN
aijbms-280	38	11	is	be	AUX
aijbms-280	38	12	aimed	aim	VERB
aijbms-280	38	13	at	at	ADP
aijbms-280	38	14	meeting	meet	VERB
aijbms-280	38	15	the	the	DET
aijbms-280	38	16	financial	financial	ADJ
aijbms-280	38	17	needs	need	NOUN
aijbms-280	38	18	of	of	ADP
aijbms-280	38	19	the	the	DET
aijbms-280	38	20	poor	poor	ADJ
aijbms-280	38	21	,	,	PUNCT
aijbms-280	38	22	such	such	ADJ
aijbms-280	38	23	as	as	ADP
aijbms-280	38	24	those	those	PRON
aijbms-280	38	25	related	relate	VERB
aijbms-280	38	26	to	to	ADP
aijbms-280	38	27	life	life	NOUN
aijbms-280	38	28	events	event	NOUN
aijbms-280	38	29	,	,	PUNCT
aijbms-280	38	30	economic	economic	ADJ
aijbms-280	38	31	opportunities	opportunity	NOUN
aijbms-280	38	32	,	,	PUNCT
aijbms-280	38	33	and	and	CCONJ
aijbms-280	38	34	emergencies	emergency	NOUN
aijbms-280	38	35	.	.	PUNCT
aijbms-280	39	1	this	this	PRON
aijbms-280	39	2	was	be	AUX
aijbms-280	39	3	further	far	ADV
aijbms-280	39	4	defined	define	VERB
aijbms-280	39	5	by	by	ADP
aijbms-280	39	6	khanam	khanam	PROPN
aijbms-280	39	7	et	et	PROPN
aijbms-280	39	8	al	al	PROPN
aijbms-280	39	9	.	.	PROPN
aijbms-280	40	1	(	(	PUNCT
aijbms-280	40	2	2018	2018	NUM
aijbms-280	40	3	)	)	PUNCT
aijbms-280	40	4	as	as	ADP
aijbms-280	40	5	including	include	VERB
aijbms-280	40	6	a	a	DET
aijbms-280	40	7	range	range	NOUN
aijbms-280	40	8	of	of	ADP
aijbms-280	40	9	financial	financial	ADJ
aijbms-280	40	10	services	service	NOUN
aijbms-280	40	11	,	,	PUNCT
aijbms-280	40	12	like	like	ADP
aijbms-280	40	13	savings	saving	NOUN
aijbms-280	40	14	,	,	PUNCT
aijbms-280	40	15	credit	credit	NOUN
aijbms-280	40	16	,	,	PUNCT
aijbms-280	40	17	insurance	insurance	NOUN
aijbms-280	40	18	,	,	PUNCT
aijbms-280	40	19	leasing	leasing	NOUN
aijbms-280	40	20	,	,	PUNCT
aijbms-280	40	21	money	money	NOUN
aijbms-280	40	22	transfers	transfer	NOUN
aijbms-280	40	23	,	,	PUNCT
aijbms-280	40	24	and	and	CCONJ
aijbms-280	40	25	equity	equity	NOUN
aijbms-280	40	26	transactions	transaction	NOUN
aijbms-280	40	27	.	.	PUNCT
aijbms-280	41	1	the	the	DET
aijbms-280	41	2	primary	primary	ADJ
aijbms-280	41	3	objective	objective	NOUN
aijbms-280	41	4	of	of	ADP
aijbms-280	41	5	this	this	DET
aijbms-280	41	6	research	research	NOUN
aijbms-280	41	7	is	be	AUX
aijbms-280	41	8	to	to	PART
aijbms-280	41	9	evaluate	evaluate	VERB
aijbms-280	41	10	the	the	DET
aijbms-280	41	11	possibility	possibility	NOUN
aijbms-280	41	12	of	of	ADP
aijbms-280	41	13	micro	micro	ADJ
aijbms-280	41	14	insurance	insurance	NOUN
aijbms-280	41	15	as	as	ADP
aijbms-280	41	16	a	a	DET
aijbms-280	41	17	new	new	ADJ
aijbms-280	41	18	kind	kind	NOUN
aijbms-280	41	19	of	of	ADP
aijbms-280	41	20	microfinance	microfinance	NOUN
aijbms-280	41	21	for	for	ADP
aijbms-280	41	22	reducing	reduce	VERB
aijbms-280	41	23	poverty	poverty	NOUN
aijbms-280	41	24	among	among	ADP
aijbms-280	41	25	somalia	somalia	PROPN
aijbms-280	41	26	's	's	PART
aijbms-280	41	27	underprivileged	underprivileged	ADJ
aijbms-280	41	28	.	.	PUNCT
aijbms-280	42	1	the	the	DET
aijbms-280	42	2	specific	specific	ADJ
aijbms-280	42	3	objectives	objective	NOUN
aijbms-280	42	4	were	be	AUX
aijbms-280	42	5	to	to	PART
aijbms-280	42	6	find	find	VERB
aijbms-280	42	7	out	out	ADP
aijbms-280	42	8	;	;	PUNCT
aijbms-280	42	9			VERB
aijbms-280	42	10	how	how	SCONJ
aijbms-280	42	11	micro	micro	ADJ
aijbms-280	42	12	insurance	insurance	NOUN
aijbms-280	42	13	is	be	AUX
aijbms-280	42	14	currently	currently	ADV
aijbms-280	42	15	being	be	AUX
aijbms-280	42	16	used	use	VERB
aijbms-280	42	17	and	and	CCONJ
aijbms-280	42	18	adopted	adopt	VERB
aijbms-280	42	19	in	in	ADP
aijbms-280	42	20	somalia	somalia	PROPN
aijbms-280	42	21	,	,	PUNCT
aijbms-280	42	22	as	as	ADV
aijbms-280	42	23	well	well	ADV
aijbms-280	42	24	as	as	ADP
aijbms-280	42	25	the	the	DET
aijbms-280	42	26	opportunities	opportunity	NOUN
aijbms-280	42	27	and	and	CCONJ
aijbms-280	42	28	problems	problem	NOUN
aijbms-280	42	29	it	it	PRON
aijbms-280	42	30	presents	present	VERB
aijbms-280	42	31	for	for	ADP
aijbms-280	42	32	the	the	DET
aijbms-280	42	33	underprivileged	underprivileged	ADJ
aijbms-280	42	34	.	.	PUNCT
aijbms-280	43	1			NOUN
aijbms-280	43	2	how	how	SCONJ
aijbms-280	43	3	micro	micro	ADJ
aijbms-280	43	4	insurance	insurance	NOUN
aijbms-280	43	5	affects	affect	VERB
aijbms-280	43	6	the	the	DET
aijbms-280	43	7	livelihoods	livelihood	NOUN
aijbms-280	43	8	of	of	ADP
aijbms-280	43	9	the	the	DET
aijbms-280	43	10	poor	poor	ADJ
aijbms-280	43	11	.	.	PUNCT
aijbms-280	44	1			VERB
aijbms-280	44	2	how	how	SCONJ
aijbms-280	44	3	micro	micro	ADJ
aijbms-280	44	4	insurance	insurance	NOUN
aijbms-280	44	5	helps	help	VERB
aijbms-280	44	6	with	with	ADP
aijbms-280	44	7	financial	financial	ADJ
aijbms-280	44	8	inclusion	inclusion	NOUN
aijbms-280	44	9	and	and	CCONJ
aijbms-280	44	10	general	general	ADJ
aijbms-280	44	11	well	well	ADV
aijbms-280	44	12	-	-	PUNCT
aijbms-280	44	13	being	being	NOUN
aijbms-280	44	14	.	.	PUNCT
aijbms-280	45	1	literature	literature	NOUN
aijbms-280	45	2	review	review	PROPN
aijbms-280	45	3	concept	concept	NOUN
aijbms-280	45	4	of	of	ADP
aijbms-280	45	5	microfinance	microfinance	NOUN
aijbms-280	45	6	microfinance	microfinance	NOUN
aijbms-280	45	7	,	,	PUNCT
aijbms-280	45	8	as	as	SCONJ
aijbms-280	45	9	defined	define	VERB
aijbms-280	45	10	by	by	ADP
aijbms-280	45	11	otero	otero	PROPN
aijbms-280	45	12	(	(	PUNCT
aijbms-280	45	13	1999	1999	NUM
aijbms-280	45	14	)	)	PUNCT
aijbms-280	45	15	,	,	PUNCT
aijbms-280	45	16	refers	refer	VERB
aijbms-280	45	17	to	to	ADP
aijbms-280	45	18	the	the	DET
aijbms-280	45	19	provision	provision	NOUN
aijbms-280	45	20	of	of	ADP
aijbms-280	45	21	financial	financial	ADJ
aijbms-280	45	22	services	service	NOUN
aijbms-280	45	23	to	to	ADP
aijbms-280	45	24	low	low	ADJ
aijbms-280	45	25	-	-	PUNCT
aijbms-280	45	26	income	income	NOUN
aijbms-280	45	27	individuals	individual	NOUN
aijbms-280	45	28	who	who	PRON
aijbms-280	45	29	are	be	AUX
aijbms-280	45	30	self	self	NOUN
aijbms-280	45	31	-	-	PUNCT
aijbms-280	45	32	employed	employ	VERB
aijbms-280	45	33	.	.	PUNCT
aijbms-280	46	1	ledgerwood	ledgerwood	NOUN
aijbms-280	46	2	(	(	PUNCT
aijbms-280	46	3	1998	1998	NUM
aijbms-280	46	4	)	)	PUNCT
aijbms-280	46	5	states	state	VERB
aijbms-280	46	6	that	that	SCONJ
aijbms-280	46	7	these	these	DET
aijbms-280	46	8	services	service	NOUN
aijbms-280	46	9	generally	generally	ADV
aijbms-280	46	10	consist	consist	VERB
aijbms-280	46	11	of	of	ADP
aijbms-280	46	12	savings	saving	NOUN
aijbms-280	46	13	and	and	CCONJ
aijbms-280	46	14	credit	credit	NOUN
aijbms-280	46	15	options	option	NOUN
aijbms-280	46	16	,	,	PUNCT
aijbms-280	46	17	but	but	CCONJ
aijbms-280	46	18	can	can	AUX
aijbms-280	46	19	also	also	ADV
aijbms-280	46	20	include	include	VERB
aijbms-280	46	21	insurance	insurance	NOUN
aijbms-280	46	22	and	and	CCONJ
aijbms-280	46	23	payment	payment	NOUN
aijbms-280	46	24	services	service	NOUN
aijbms-280	46	25	.	.	PUNCT
aijbms-280	47	1	the	the	DET
aijbms-280	47	2	goal	goal	NOUN
aijbms-280	47	3	of	of	ADP
aijbms-280	47	4	microfinance	microfinance	NOUN
aijbms-280	47	5	is	be	AUX
aijbms-280	47	6	to	to	PART
aijbms-280	47	7	increase	increase	VERB
aijbms-280	47	8	access	access	NOUN
aijbms-280	47	9	to	to	ADP
aijbms-280	47	10	small	small	ADJ
aijbms-280	47	11	deposits	deposit	NOUN
aijbms-280	47	12	and	and	CCONJ
aijbms-280	47	13	loans	loan	NOUN
aijbms-280	47	14	for	for	ADP
aijbms-280	47	15	households	household	NOUN
aijbms-280	47	16	that	that	PRON
aijbms-280	47	17	are	be	AUX
aijbms-280	47	18	not	not	PART
aijbms-280	47	19	served	serve	VERB
aijbms-280	47	20	by	by	ADP
aijbms-280	47	21	traditional	traditional	ADJ
aijbms-280	47	22	banks	bank	NOUN
aijbms-280	47	23	(	(	PUNCT
aijbms-280	47	24	schreiner	schreiner	NOUN
aijbms-280	47	25	&	&	CCONJ
aijbms-280	47	26	colombet	colombet	PROPN
aijbms-280	47	27	,	,	PUNCT
aijbms-280	47	28	2001	2001	NUM
aijbms-280	47	29	;	;	PUNCT
aijbms-280	47	30	alam	alam	PROPN
aijbms-280	47	31	&	&	CCONJ
aijbms-280	47	32	khan	khan	PROPN
aijbms-280	47	33	,	,	PUNCT
aijbms-280	47	34	2022	2022	NUM
aijbms-280	47	35	;	;	PUNCT
aijbms-280	47	36	s.	s.	PROPN
aijbms-280	47	37	chowdhury	chowdhury	PROPN
aijbms-280	47	38	et	et	PROPN
aijbms-280	47	39	al	al	PROPN
aijbms-280	47	40	.	.	PROPN
aijbms-280	47	41	,	,	PUNCT
aijbms-280	47	42	2021	2021	NUM
aijbms-280	47	43	;	;	PUNCT
aijbms-280	47	44	iqbal	iqbal	PROPN
aijbms-280	47	45	et	et	PROPN
aijbms-280	47	46	al	al	PROPN
aijbms-280	47	47	.	.	PROPN
aijbms-280	47	48	,	,	PUNCT
aijbms-280	47	49	2021	2021	NUM
aijbms-280	47	50	;	;	PUNCT
aijbms-280	47	51	kader	kader	PROPN
aijbms-280	47	52	et	et	PROPN
aijbms-280	47	53	al	al	PROPN
aijbms-280	47	54	.	.	PROPN
aijbms-280	47	55	,	,	PUNCT
aijbms-280	47	56	2019	2019	NUM
aijbms-280	47	57	;	;	PUNCT
aijbms-280	47	58	kader	kader	PROPN
aijbms-280	47	59	et	et	PROPN
aijbms-280	47	60	al	al	PROPN
aijbms-280	47	61	.	.	PROPN
aijbms-280	47	62	,	,	PUNCT
aijbms-280	47	63	2021a	2021a	NUM
aijbms-280	47	64	;	;	PUNCT
aijbms-280	47	65	kader	kader	PROPN
aijbms-280	47	66	et	et	PROPN
aijbms-280	47	67	al	al	PROPN
aijbms-280	47	68	.	.	PROPN
aijbms-280	47	69	,	,	PUNCT
aijbms-280	47	70	2021b	2021b	NUM
aijbms-280	47	71	)	)	PUNCT
aijbms-280	47	72	.	.	PUNCT
aijbms-280	48	1	in	in	ADP
aijbms-280	48	2	essence	essence	NOUN
aijbms-280	48	3	,	,	PUNCT
aijbms-280	48	4	microfinance	microfinance	NOUN
aijbms-280	48	5	involves	involve	VERB
aijbms-280	48	6	providing	provide	VERB
aijbms-280	48	7	financial	financial	ADJ
aijbms-280	48	8	services	service	NOUN
aijbms-280	48	9	,	,	PUNCT
aijbms-280	48	10	such	such	ADJ
aijbms-280	48	11	as	as	ADP
aijbms-280	48	12	savings	saving	NOUN
aijbms-280	48	13	,	,	PUNCT
aijbms-280	48	14	loans	loan	NOUN
aijbms-280	48	15	,	,	PUNCT
aijbms-280	48	16	and	and	CCONJ
aijbms-280	48	17	insurance	insurance	NOUN
aijbms-280	48	18	,	,	PUNCT
aijbms-280	48	19	to	to	ADP
aijbms-280	48	20	people	people	NOUN
aijbms-280	48	21	living	live	VERB
aijbms-280	48	22	in	in	ADP
aijbms-280	48	23	both	both	CCONJ
aijbms-280	48	24	urban	urban	ADJ
aijbms-280	48	25	and	and	CCONJ
aijbms-280	48	26	rural	rural	ADJ
aijbms-280	48	27	areas	area	NOUN
aijbms-280	48	28	who	who	PRON
aijbms-280	48	29	do	do	AUX
aijbms-280	48	30	not	not	PART
aijbms-280	48	31	have	have	VERB
aijbms-280	48	32	access	access	NOUN
aijbms-280	48	33	to	to	ADP
aijbms-280	48	34	these	these	DET
aijbms-280	48	35	services	service	NOUN
aijbms-280	48	36	through	through	ADP
aijbms-280	48	37	formal	formal	ADJ
aijbms-280	48	38	financial	financial	ADJ
aijbms-280	48	39	institutions	institution	NOUN
aijbms-280	48	40	.	.	PUNCT
aijbms-280	49	1	microfinance	microfinance	NOUN
aijbms-280	49	2	is	be	AUX
aijbms-280	49	3	considered	consider	VERB
aijbms-280	49	4	as	as	ADP
aijbms-280	49	5	a	a	DET
aijbms-280	49	6	way	way	NOUN
aijbms-280	49	7	to	to	AUX
aijbms-280	49	8	combat	combat	NOUN
aijbms-280	49	9	poverty	poverty	NOUN
aijbms-280	49	10	,	,	PUNCT
aijbms-280	49	11	but	but	CCONJ
aijbms-280	49	12	its	its	PRON
aijbms-280	49	13	effect	effect	NOUN
aijbms-280	49	14	is	be	AUX
aijbms-280	49	15	complex	complex	ADJ
aijbms-280	49	16	and	and	CCONJ
aijbms-280	49	17	not	not	PART
aijbms-280	49	18	always	always	ADV
aijbms-280	49	19	straightforward	straightforward	ADJ
aijbms-280	49	20	.	.	PUNCT
aijbms-280	50	1	the	the	DET
aijbms-280	50	2	relationship	relationship	NOUN
aijbms-280	50	3	between	between	ADP
aijbms-280	50	4	microfinance	microfinance	NOUN
aijbms-280	50	5	and	and	CCONJ
aijbms-280	50	6	poverty	poverty	NOUN
aijbms-280	50	7	alleviation	alleviation	NOUN
aijbms-280	50	8	is	be	AUX
aijbms-280	50	9	influenced	influence	VERB
aijbms-280	50	10	by	by	ADP
aijbms-280	50	11	various	various	ADJ
aijbms-280	50	12	factors	factor	NOUN
aijbms-280	50	13	such	such	ADJ
aijbms-280	50	14	as	as	ADP
aijbms-280	50	15	the	the	DET
aijbms-280	50	16	delivery	delivery	NOUN
aijbms-280	50	17	channel	channel	NOUN
aijbms-280	50	18	,	,	PUNCT
aijbms-280	50	19	approach	approach	NOUN
aijbms-280	50	20	,	,	PUNCT
aijbms-280	50	21	and	and	CCONJ
aijbms-280	50	22	financial	financial	ADJ
aijbms-280	50	23	products	product	NOUN
aijbms-280	50	24	offered	offer	VERB
aijbms-280	50	25	.	.	PUNCT
aijbms-280	51	1	the	the	DET
aijbms-280	51	2	circumstances	circumstance	NOUN
aijbms-280	51	3	in	in	ADP
aijbms-280	51	4	which	which	PRON
aijbms-280	51	5	microfinance	microfinance	NOUN
aijbms-280	51	6	is	be	AUX
aijbms-280	51	7	most	most	ADV
aijbms-280	51	8	effective	effective	ADJ
aijbms-280	51	9	for	for	SCONJ
aijbms-280	51	10	low	low	ADJ
aijbms-280	51	11	-	-	PUNCT
aijbms-280	51	12	income	income	NOUN
aijbms-280	51	13	individuals	individual	NOUN
aijbms-280	51	14	must	must	AUX
aijbms-280	51	15	be	be	AUX
aijbms-280	51	16	carefully	carefully	ADV
aijbms-280	51	17	considered	consider	VERB
aijbms-280	51	18	,	,	PUNCT
aijbms-280	51	19	as	as	SCONJ
aijbms-280	51	20	access	access	NOUN
aijbms-280	51	21	to	to	ADP
aijbms-280	51	22	traditional	traditional	ADJ
aijbms-280	51	23	banking	banking	NOUN
aijbms-280	51	24	services	service	NOUN
aijbms-280	51	25	is	be	AUX
aijbms-280	51	26	a	a	DET
aijbms-280	51	27	challenge	challenge	NOUN
aijbms-280	51	28	for	for	ADP
aijbms-280	51	29	them	they	PRON
aijbms-280	51	30	(	(	PUNCT
aijbms-280	51	31	bakhtiari	bakhtiari	ADJ
aijbms-280	51	32	,	,	PUNCT
aijbms-280	51	33	2006	2006	NUM
aijbms-280	51	34	;	;	PUNCT
aijbms-280	51	35	kabir	kabir	PROPN
aijbms-280	51	36	et	et	PROPN
aijbms-280	51	37	al	al	PROPN
aijbms-280	51	38	.	.	PROPN
aijbms-280	51	39	,	,	PUNCT
aijbms-280	51	40	2021	2021	NUM
aijbms-280	51	41	;	;	PUNCT
aijbms-280	51	42	nayeen	nayeen	PROPN
aijbms-280	51	43	et	et	PROPN
aijbms-280	51	44	al	al	PROPN
aijbms-280	51	45	.	.	PROPN
aijbms-280	51	46	,	,	PUNCT
aijbms-280	51	47	2020	2020	NUM
aijbms-280	51	48	;	;	PUNCT
aijbms-280	51	49	nahar	nahar	PROPN
aijbms-280	51	50	et	et	PROPN
aijbms-280	51	51	al	al	PROPN
aijbms-280	51	52	.	.	PROPN
aijbms-280	51	53	,	,	PUNCT
aijbms-280	51	54	2021	2021	NUM
aijbms-280	51	55	;	;	PUNCT
aijbms-280	51	56	rahman	rahman	PROPN
aijbms-280	51	57	et	et	PROPN
aijbms-280	51	58	al	al	PROPN
aijbms-280	51	59	.	.	PROPN
aijbms-280	51	60	,	,	PUNCT
aijbms-280	51	61	2021a	2021a	NUM
aijbms-280	51	62	;	;	PUNCT
aijbms-280	51	63	rahman	rahman	PROPN
aijbms-280	51	64	et	et	PROPN
aijbms-280	51	65	al	al	PROPN
aijbms-280	51	66	.	.	PROPN
aijbms-280	51	67	,	,	PUNCT
aijbms-280	51	68	2021b	2021b	NUM
aijbms-280	51	69	)	)	PUNCT
aijbms-280	51	70	.	.	PUNCT
aijbms-280	52	1	according	accord	VERB
aijbms-280	52	2	to	to	ADP
aijbms-280	52	3	the	the	DET
aijbms-280	52	4	united	united	PROPN
aijbms-280	52	5	nations	nations	PROPN
aijbms-280	52	6	capital	capital	PROPN
aijbms-280	52	7	development	development	PROPN
aijbms-280	52	8	fund	fund	PROPN
aijbms-280	52	9	(	(	PUNCT
aijbms-280	52	10	2018	2018	NUM
aijbms-280	52	11	)	)	PUNCT
aijbms-280	52	12	,	,	PUNCT
aijbms-280	52	13	microfinance	microfinance	NOUN
aijbms-280	52	14	is	be	AUX
aijbms-280	52	15	seen	see	VERB
aijbms-280	52	16	as	as	ADP
aijbms-280	52	17	a	a	DET
aijbms-280	52	18	significant	significant	ADJ
aijbms-280	52	19	factor	factor	NOUN
aijbms-280	52	20	in	in	ADP
aijbms-280	52	21	development	development	NOUN
aijbms-280	52	22	.	.	PUNCT
aijbms-280	53	1	proponents	proponent	NOUN
aijbms-280	53	2	of	of	ADP
aijbms-280	53	3	microfinance	microfinance	NOUN
aijbms-280	53	4	believe	believe	VERB
aijbms-280	53	5	it	it	PRON
aijbms-280	53	6	plays	play	VERB
aijbms-280	53	7	three	three	NUM
aijbms-280	53	8	key	key	ADJ
aijbms-280	53	9	roles	role	NOUN
aijbms-280	53	10	in	in	ADP
aijbms-280	53	11	development	development	NOUN
aijbms-280	53	12	,	,	PUNCT
aijbms-280	53	13	including	include	VERB
aijbms-280	53	14	providing	provide	VERB
aijbms-280	53	15	a	a	DET
aijbms-280	53	16	safety	safety	NOUN
aijbms-280	53	17	net	net	NOUN
aijbms-280	53	18	for	for	ADP
aijbms-280	53	19	low	low	ADJ
aijbms-280	53	20	-	-	PUNCT
aijbms-280	53	21	income	income	NOUN
aijbms-280	53	22	households	household	NOUN
aijbms-280	53	23	,	,	PUNCT
aijbms-280	53	24	improving	improve	VERB
aijbms-280	53	25	household	household	NOUN
aijbms-280	53	26	economic	economic	ADJ
aijbms-280	53	27	wellbeing	wellbeing	NOUN
aijbms-280	53	28	,	,	PUNCT
aijbms-280	53	29	and	and	CCONJ
aijbms-280	53	30	promoting	promote	VERB
aijbms-280	53	31	gender	gender	NOUN
aijbms-280	53	32	equality	equality	NOUN
aijbms-280	53	33	by	by	ADP
aijbms-280	53	34	supporting	support	VERB
aijbms-280	53	35	women	woman	NOUN
aijbms-280	53	36	's	's	PART
aijbms-280	53	37	economic	economic	ADJ
aijbms-280	53	38	involvement	involvement	NOUN
aijbms-280	53	39	.	.	PUNCT
aijbms-280	54	1	concept	concept	NOUN
aijbms-280	54	2	of	of	ADP
aijbms-280	54	3	micro	micro	PROPN
aijbms-280	54	4	insurance	insurance	PROPN
aijbms-280	54	5	micro	micro	PROPN
aijbms-280	54	6	insurance	insurance	PROPN
aijbms-280	54	7	is	be	AUX
aijbms-280	54	8	a	a	DET
aijbms-280	54	9	term	term	NOUN
aijbms-280	54	10	used	use	VERB
aijbms-280	54	11	to	to	PART
aijbms-280	54	12	describe	describe	VERB
aijbms-280	54	13	insurance	insurance	NOUN
aijbms-280	54	14	plans	plan	NOUN
aijbms-280	54	15	created	create	VERB
aijbms-280	54	16	for	for	ADP
aijbms-280	54	17	low	low	ADJ
aijbms-280	54	18	-	-	PUNCT
aijbms-280	54	19	income	income	NOUN
aijbms-280	54	20	people	people	NOUN
aijbms-280	54	21	who	who	PRON
aijbms-280	54	22	might	might	AUX
aijbms-280	54	23	not	not	PART
aijbms-280	54	24	have	have	VERB
aijbms-280	54	25	access	access	NOUN
aijbms-280	54	26	to	to	ADP
aijbms-280	54	27	standard	standard	ADJ
aijbms-280	54	28	insurance	insurance	NOUN
aijbms-280	54	29	options	option	NOUN
aijbms-280	54	30	.	.	PUNCT
aijbms-280	55	1	it	it	PRON
aijbms-280	55	2	is	be	AUX
aijbms-280	55	3	sometimes	sometimes	ADV
aijbms-280	55	4	viewed	view	VERB
aijbms-280	55	5	as	as	ADP
aijbms-280	55	6	a	a	DET
aijbms-280	55	7	strategy	strategy	NOUN
aijbms-280	55	8	to	to	PART
aijbms-280	55	9	give	give	VERB
aijbms-280	55	10	poor	poor	ADJ
aijbms-280	55	11	people	people	NOUN
aijbms-280	55	12	financial	financial	ADJ
aijbms-280	55	13	security	security	NOUN
aijbms-280	55	14	since	since	SCONJ
aijbms-280	55	15	they	they	PRON
aijbms-280	55	16	may	may	AUX
aijbms-280	55	17	be	be	AUX
aijbms-280	55	18	more	more	ADV
aijbms-280	55	19	vulnerable	vulnerable	ADJ
aijbms-280	55	20	to	to	ADP
aijbms-280	55	21	losing	lose	VERB
aijbms-280	55	22	money	money	NOUN
aijbms-280	55	23	as	as	ADP
aijbms-280	55	24	a	a	DET
aijbms-280	55	25	result	result	NOUN
aijbms-280	55	26	of	of	ADP
aijbms-280	55	27	unplanned	unplanned	ADJ
aijbms-280	55	28	occurrences	occurrence	NOUN
aijbms-280	55	29	like	like	ADP
aijbms-280	55	30	illnesses	illness	NOUN
aijbms-280	55	31	,	,	PUNCT
aijbms-280	55	32	accidents	accident	NOUN
aijbms-280	55	33	,	,	PUNCT
aijbms-280	55	34	or	or	CCONJ
aijbms-280	55	35	natural	natural	ADJ
aijbms-280	55	36	disasters	disaster	NOUN
aijbms-280	55	37	.	.	PUNCT
aijbms-280	56	1	micro	micro	NOUN
aijbms-280	56	2	insurance	insurance	NOUN
aijbms-280	56	3	policies	policy	NOUN
aijbms-280	56	4	are	be	AUX
aijbms-280	56	5	intended	intend	VERB
aijbms-280	56	6	to	to	PART
aijbms-280	56	7	be	be	AUX
aijbms-280	56	8	economical	economical	ADJ
aijbms-280	56	9	and	and	CCONJ
aijbms-280	56	10	accessible	accessible	ADJ
aijbms-280	56	11	to	to	ADP
aijbms-280	56	12	those	those	PRON
aijbms-280	56	13	who	who	PRON
aijbms-280	56	14	need	need	VERB
aijbms-280	56	15	it	it	PRON
aijbms-280	56	16	the	the	DET
aijbms-280	56	17	most	most	ADV
aijbms-280	56	18	.	.	PUNCT
aijbms-280	57	1	compared	compare	VERB
aijbms-280	57	2	to	to	ADP
aijbms-280	57	3	regular	regular	ADJ
aijbms-280	57	4	insurance	insurance	NOUN
aijbms-280	57	5	products	product	NOUN
aijbms-280	57	6	,	,	PUNCT
aijbms-280	57	7	they	they	PRON
aijbms-280	57	8	often	often	ADV
aijbms-280	57	9	offer	offer	VERB
aijbms-280	57	10	coverage	coverage	NOUN
aijbms-280	57	11	for	for	ADP
aijbms-280	57	12	less	less	ADJ
aijbms-280	57	13	money	money	NOUN
aijbms-280	57	14	.	.	PUNCT
aijbms-280	58	1	micro	micro	ADJ
aijbms-280	58	2	insurance	insurance	PROPN
aijbms-280	58	3	is	be	AUX
aijbms-280	58	4	designed	design	VERB
aijbms-280	58	5	to	to	PART
aijbms-280	58	6	assist	assist	VERB
aijbms-280	58	7	people	people	NOUN
aijbms-280	58	8	in	in	ADP
aijbms-280	58	9	managing	manage	VERB
aijbms-280	58	10	the	the	DET
aijbms-280	58	11	monetary	monetary	ADJ
aijbms-280	58	12	risks	risk	NOUN
aijbms-280	58	13	they	they	PRON
aijbms-280	58	14	encounter	encounter	VERB
aijbms-280	58	15	on	on	ADP
aijbms-280	58	16	a	a	DET
aijbms-280	58	17	daily	daily	ADJ
aijbms-280	58	18	basis	basis	NOUN
aijbms-280	58	19	and	and	CCONJ
aijbms-280	58	20	to	to	PART
aijbms-280	58	21	increase	increase	VERB
aijbms-280	58	22	their	their	PRON
aijbms-280	58	23	overall	overall	ADJ
aijbms-280	58	24	financial	financial	ADJ
aijbms-280	58	25	stability	stability	NOUN
aijbms-280	58	26	(	(	PUNCT
aijbms-280	58	27	bernards	bernard	NOUN
aijbms-280	58	28	,	,	PUNCT
aijbms-280	58	29	2022	2022	NUM
aijbms-280	58	30	;	;	PUNCT
aijbms-280	58	31	shahriar	shahriar	NOUN
aijbms-280	58	32	2021a	2021a	NUM
aijbms-280	58	33	;	;	PUNCT
aijbms-280	58	34	shahriar	shahriar	NOUN
aijbms-280	58	35	2021b	2021b	NUM
aijbms-280	58	36	;	;	PUNCT
aijbms-280	58	37	zayed	zayed	PROPN
aijbms-280	58	38	et	et	PROPN
aijbms-280	58	39	al	al	PROPN
aijbms-280	58	40	.	.	PROPN
aijbms-280	58	41	,	,	PUNCT
aijbms-280	58	42	2021a	2021a	NUM
aijbms-280	58	43	;	;	PUNCT
aijbms-280	58	44	and	and	CCONJ
aijbms-280	58	45	zayed	zaye	VERB
aijbms-280	58	46	et	et	PROPN
aijbms-280	58	47	al	al	PROPN
aijbms-280	58	48	.	.	PROPN
aijbms-280	58	49	,	,	PUNCT
aijbms-280	58	50	2021b	2021b	NUM
aijbms-280	58	51	;	;	PUNCT
aijbms-280	58	52	ahmed	ahmed	PROPN
aijbms-280	58	53	et	et	PROPN
aijbms-280	58	54	al	al	PROPN
aijbms-280	58	55	.	.	PROPN
aijbms-280	58	56	,	,	PUNCT
aijbms-280	58	57	2022	2022	NUM
aijbms-280	58	58	;	;	PUNCT
aijbms-280	58	59	al	al	PROPN
aijbms-280	58	60	-	-	PUNCT
aijbms-280	58	61	quraan	quraan	PROPN
aijbms-280	58	62	et	et	PROPN
aijbms-280	58	63	al	al	PROPN
aijbms-280	58	64	.	.	PROPN
aijbms-280	58	65	,	,	PUNCT
aijbms-280	58	66	2022	2022	NUM
aijbms-280	58	67	)	)	PUNCT
aijbms-280	58	68	.	.	PUNCT
aijbms-280	59	1	micro	micro	PROPN
aijbms-280	59	2	insurance	insurance	PROPN
aijbms-280	59	3	as	as	ADP
aijbms-280	59	4	an	an	DET
aijbms-280	59	5	emerging	emerge	VERB
aijbms-280	59	6	microfinance	microfinance	NOUN
aijbms-280	59	7	micro	micro	NOUN
aijbms-280	59	8	insurance	insurance	NOUN
aijbms-280	59	9	is	be	AUX
aijbms-280	59	10	a	a	DET
aijbms-280	59	11	crucial	crucial	ADJ
aijbms-280	59	12	aspect	aspect	NOUN
aijbms-280	59	13	of	of	ADP
aijbms-280	59	14	the	the	DET
aijbms-280	59	15	microfinance	microfinance	NOUN
aijbms-280	59	16	services	service	NOUN
aijbms-280	59	17	offered	offer	VERB
aijbms-280	59	18	to	to	PART
aijbms-280	59	19	support	support	VERB
aijbms-280	59	20	the	the	DET
aijbms-280	59	21	financial	financial	ADJ
aijbms-280	59	22	needs	need	NOUN
aijbms-280	59	23	of	of	ADP
aijbms-280	59	24	low	low	ADJ
aijbms-280	59	25	-	-	PUNCT
aijbms-280	59	26	income	income	NOUN
aijbms-280	59	27	households	household	NOUN
aijbms-280	59	28	and	and	CCONJ
aijbms-280	59	29	their	their	PRON
aijbms-280	59	30	businesses	business	NOUN
aijbms-280	59	31	.	.	PUNCT
aijbms-280	60	1	by	by	ADP
aijbms-280	60	2	providing	provide	VERB
aijbms-280	60	3	access	access	NOUN
aijbms-280	60	4	to	to	ADP
aijbms-280	60	5	financial	financial	ADJ
aijbms-280	60	6	services	service	NOUN
aijbms-280	60	7	,	,	PUNCT
aijbms-280	60	8	microfinance	microfinance	NOUN
aijbms-280	60	9	helps	help	VERB
aijbms-280	60	10	individuals	individual	NOUN
aijbms-280	60	11	at	at	ADP
aijbms-280	60	12	the	the	DET
aijbms-280	60	13	bottom	bottom	NOUN
aijbms-280	60	14	of	of	ADP
aijbms-280	60	15	the	the	DET
aijbms-280	60	16	socioeconomic	socioeconomic	ADJ
aijbms-280	60	17	pyramid	pyramid	NOUN
aijbms-280	60	18	to	to	PART
aijbms-280	60	19	improve	improve	VERB
aijbms-280	60	20	and	and	CCONJ
aijbms-280	60	21	expand	expand	VERB
aijbms-280	60	22	their	their	PRON
aijbms-280	60	23	sources	source	NOUN
aijbms-280	60	24	of	of	ADP
aijbms-280	60	25	income	income	NOUN
aijbms-280	60	26	,	,	PUNCT
aijbms-280	60	27	accumulate	accumulate	VERB
aijbms-280	60	28	assets	asset	NOUN
aijbms-280	60	29	,	,	PUNCT
aijbms-280	60	30	and	and	CCONJ
aijbms-280	60	31	move	move	VERB
aijbms-280	60	32	beyond	beyond	ADP
aijbms-280	60	33	merely	merely	ADV
aijbms-280	60	34	surviving	survive	VERB
aijbms-280	60	35	day	day	NOUN
aijbms-280	60	36	to	to	ADP
aijbms-280	60	37	day	day	NOUN
aijbms-280	60	38	to	to	ADP
aijbms-280	60	39	making	make	VERB
aijbms-280	60	40	plans	plan	NOUN
aijbms-280	60	41	for	for	ADP
aijbms-280	60	42	a	a	DET
aijbms-280	60	43	better	well	ADJ
aijbms-280	60	44	future	future	NOUN
aijbms-280	60	45	.	.	PUNCT
aijbms-280	61	1	this	this	PRON
aijbms-280	61	2	can	can	AUX
aijbms-280	61	3	lead	lead	VERB
aijbms-280	61	4	to	to	ADP
aijbms-280	61	5	improvements	improvement	NOUN
aijbms-280	61	6	in	in	ADP
aijbms-280	61	7	their	their	PRON
aijbms-280	61	8	standard	standard	NOUN
aijbms-280	61	9	of	of	ADP
aijbms-280	61	10	living	living	NOUN
aijbms-280	61	11	,	,	PUNCT
aijbms-280	61	12	including	include	VERB
aijbms-280	61	13	better	well	ADJ
aijbms-280	61	14	nutrition	nutrition	NOUN
aijbms-280	61	15	,	,	PUNCT
aijbms-280	61	16	housing	housing	NOUN
aijbms-280	61	17	,	,	PUNCT
aijbms-280	61	18	health	health	NOUN
aijbms-280	61	19	,	,	PUNCT
aijbms-280	61	20	and	and	CCONJ
aijbms-280	61	21	education	education	NOUN
aijbms-280	61	22	,	,	PUNCT
aijbms-280	61	23	and	and	CCONJ
aijbms-280	61	24	also	also	ADV
aijbms-280	61	25	result	result	VERB
aijbms-280	61	26	in	in	ADP
aijbms-280	61	27	increased	increase	VERB
aijbms-280	61	28	productivity	productivity	NOUN
aijbms-280	61	29	(	(	PUNCT
aijbms-280	61	30	pareek	pareek	NOUN
aijbms-280	61	31	et	et	PROPN
aijbms-280	61	32	al	al	PROPN
aijbms-280	61	33	.	.	PROPN
aijbms-280	61	34	,	,	PUNCT
aijbms-280	61	35	2022	2022	NUM
aijbms-280	61	36	;	;	PUNCT
aijbms-280	61	37	;	;	PUNCT
aijbms-280	61	38	faisal	faisal	PROPN
aijbms-280	61	39	-	-	PUNCT
aijbms-280	61	40	ealam	ealam	PROPN
aijbms-280	61	41	et	et	PROPN
aijbms-280	61	42	al	al	PROPN
aijbms-280	61	43	.	.	PROPN
aijbms-280	61	44	,	,	PUNCT
aijbms-280	61	45	2022	2022	NUM
aijbms-280	61	46	;	;	PUNCT
aijbms-280	61	47	khan	khan	PROPN
aijbms-280	61	48	et	et	PROPN
aijbms-280	61	49	al	al	PROPN
aijbms-280	61	50	.	.	PROPN
aijbms-280	61	51	,	,	PUNCT
aijbms-280	61	52	2022a	2022a	NUM
aijbms-280	61	53	;	;	PUNCT
aijbms-280	61	54	khan	khan	PROPN
aijbms-280	61	55	et	et	PROPN
aijbms-280	61	56	al	al	PROPN
aijbms-280	61	57	.	.	PROPN
aijbms-280	61	58	,	,	PUNCT
aijbms-280	61	59	2022b	2022b	NUM
aijbms-280	61	60	;	;	PUNCT
aijbms-280	61	61	mia	mia	PROPN
aijbms-280	61	62	et	et	PROPN
aijbms-280	61	63	al	al	PROPN
aijbms-280	61	64	.	.	PROPN
aijbms-280	61	65	,	,	PUNCT
aijbms-280	61	66	2022	2022	NUM
aijbms-280	61	67	;	;	PUNCT
aijbms-280	61	68	rubi	rubi	PROPN
aijbms-280	61	69	et	et	NOUN
aijbms-280	61	70	al	al	PROPN
aijbms-280	61	71	.	.	PROPN
aijbms-280	61	72	,	,	PUNCT
aijbms-280	61	73	2022	2022	NUM
aijbms-280	61	74	;	;	PUNCT
aijbms-280	61	75	zayed	zayed	PROPN
aijbms-280	61	76	et	et	PROPN
aijbms-280	61	77	al	al	PROPN
aijbms-280	61	78	.	.	PROPN
aijbms-280	61	79	,	,	PUNCT
aijbms-280	61	80	2022a	2022a	NUM
aijbms-280	61	81	)	)	PUNCT
aijbms-280	61	82	.	.	PUNCT
aijbms-280	62	1	ramm	ramm	PROPN
aijbms-280	62	2	and	and	CCONJ
aijbms-280	62	3	ankolekar	ankolekar	PROPN
aijbms-280	62	4	(	(	PUNCT
aijbms-280	62	5	2015	2015	NUM
aijbms-280	62	6	)	)	PUNCT
aijbms-280	62	7	found	find	VERB
aijbms-280	62	8	that	that	SCONJ
aijbms-280	62	9	micro	micro	ADJ
aijbms-280	62	10	insurance	insurance	NOUN
aijbms-280	62	11	is	be	AUX
aijbms-280	62	12	a	a	DET
aijbms-280	62	13	tool	tool	NOUN
aijbms-280	62	14	to	to	PART
aijbms-280	62	15	mitigate	mitigate	VERB
aijbms-280	62	16	risks	risk	NOUN
aijbms-280	62	17	and	and	CCONJ
aijbms-280	62	18	vulnerabilities	vulnerability	NOUN
aijbms-280	62	19	faced	face	VERB
aijbms-280	62	20	by	by	ADP
aijbms-280	62	21	lowincome	lowincome	NOUN
aijbms-280	62	22	and	and	CCONJ
aijbms-280	62	23	poor	poor	ADJ
aijbms-280	62	24	households	household	NOUN
aijbms-280	62	25	,	,	PUNCT
aijbms-280	62	26	especially	especially	ADV
aijbms-280	62	27	those	those	PRON
aijbms-280	62	28	in	in	ADP
aijbms-280	62	29	the	the	DET
aijbms-280	62	30	informal	informal	ADJ
aijbms-280	62	31	economy	economy	NOUN
aijbms-280	62	32	.	.	PUNCT
aijbms-280	63	1	micro	micro	PROPN
aijbms-280	63	2	insurance	insurance	PROPN
aijbms-280	63	3	is	be	AUX
aijbms-280	63	4	not	not	PART
aijbms-280	63	5	intended	intend	VERB
aijbms-280	63	6	to	to	PART
aijbms-280	63	7	replace	replace	VERB
aijbms-280	63	8	public	public	ADJ
aijbms-280	63	9	social	social	ADJ
aijbms-280	63	10	protection	protection	NOUN
aijbms-280	63	11	systems	system	NOUN
aijbms-280	63	12	,	,	PUNCT
aijbms-280	63	13	but	but	CCONJ
aijbms-280	63	14	rather	rather	ADV
aijbms-280	63	15	it	it	PRON
aijbms-280	63	16	is	be	AUX
aijbms-280	63	17	most	most	ADV
aijbms-280	63	18	effective	effective	ADJ
aijbms-280	63	19	when	when	SCONJ
aijbms-280	63	20	integrated	integrate	VERB
aijbms-280	63	21	into	into	ADP
aijbms-280	63	22	a	a	DET
aijbms-280	63	23	comprehensive	comprehensive	ADJ
aijbms-280	63	24	social	social	ADJ
aijbms-280	63	25	protection	protection	NOUN
aijbms-280	63	26	framework	framework	NOUN
aijbms-280	63	27	that	that	PRON
aijbms-280	63	28	includes	include	VERB
aijbms-280	63	29	both	both	CCONJ
aijbms-280	63	30	public	public	ADJ
aijbms-280	63	31	and	and	CCONJ
aijbms-280	63	32	private	private	ADJ
aijbms-280	63	33	risk	risk	NOUN
aijbms-280	63	34	management	management	NOUN
aijbms-280	63	35	strategies	strategy	NOUN
aijbms-280	63	36	,	,	PUNCT
aijbms-280	63	37	as	as	ADV
aijbms-280	63	38	well	well	ADV
aijbms-280	63	39	as	as	ADP
aijbms-280	63	40	preventive	preventive	ADJ
aijbms-280	63	41	measures	measure	NOUN
aijbms-280	63	42	,	,	PUNCT
aijbms-280	63	43	coping	cope	VERB
aijbms-280	63	44	strategies	strategy	NOUN
aijbms-280	63	45	,	,	PUNCT
aijbms-280	63	46	and	and	CCONJ
aijbms-280	63	47	mitigation	mitigation	NOUN
aijbms-280	63	48	efforts	effort	NOUN
aijbms-280	63	49	.	.	PUNCT
aijbms-280	64	1	according	accord	VERB
aijbms-280	64	2	to	to	ADP
aijbms-280	64	3	naik	naik	PROPN
aijbms-280	64	4	(	(	PUNCT
aijbms-280	64	5	2015	2015	NUM
aijbms-280	64	6	)	)	PUNCT
aijbms-280	64	7	,	,	PUNCT
aijbms-280	64	8	micro	micro	ADJ
aijbms-280	64	9	insurance	insurance	NOUN
aijbms-280	64	10	provides	provide	VERB
aijbms-280	64	11	low	low	ADJ
aijbms-280	64	12	-	-	PUNCT
aijbms-280	64	13	premium	premium	NOUN
aijbms-280	64	14	policies	policy	NOUN
aijbms-280	64	15	with	with	ADP
aijbms-280	64	16	minimal	minimal	ADJ
aijbms-280	64	17	coverage	coverage	NOUN
aijbms-280	64	18	for	for	ADP
aijbms-280	64	19	people	people	NOUN
aijbms-280	64	20	with	with	ADP
aijbms-280	64	21	limited	limited	ADJ
aijbms-280	64	22	financial	financial	ADJ
aijbms-280	64	23	means	mean	NOUN
aijbms-280	64	24	.	.	PUNCT
aijbms-280	65	1	these	these	DET
aijbms-280	65	2	insurance	insurance	NOUN
aijbms-280	65	3	products	product	NOUN
aijbms-280	65	4	aim	aim	VERB
aijbms-280	65	5	to	to	PART
aijbms-280	65	6	protect	protect	VERB
aijbms-280	65	7	the	the	DET
aijbms-280	65	8	interests	interest	NOUN
aijbms-280	65	9	of	of	ADP
aijbms-280	65	10	the	the	DET
aijbms-280	65	11	underprivileged	underprivileged	ADJ
aijbms-280	65	12	,	,	PUNCT
aijbms-280	65	13	who	who	PRON
aijbms-280	65	14	are	be	AUX
aijbms-280	65	15	frequently	frequently	ADV
aijbms-280	65	16	disregarded	disregard	VERB
aijbms-280	65	17	by	by	ADP
aijbms-280	65	18	traditional	traditional	ADJ
aijbms-280	65	19	insurance	insurance	NOUN
aijbms-280	65	20	options	option	NOUN
aijbms-280	65	21	.	.	PUNCT
aijbms-280	66	1	micro	micro	PROPN
aijbms-280	66	2	insurance	insurance	PROPN
aijbms-280	66	3	helps	help	VERB
aijbms-280	66	4	lessen	lessen	VERB
aijbms-280	66	5	risks	risk	NOUN
aijbms-280	66	6	encountered	encounter	VERB
aijbms-280	66	7	by	by	ADP
aijbms-280	66	8	people	people	NOUN
aijbms-280	66	9	living	live	VERB
aijbms-280	66	10	in	in	ADP
aijbms-280	66	11	poverty	poverty	NOUN
aijbms-280	66	12	in	in	ADP
aijbms-280	66	13	both	both	CCONJ
aijbms-280	66	14	rural	rural	ADJ
aijbms-280	66	15	and	and	CCONJ
aijbms-280	66	16	urban	urban	ADJ
aijbms-280	66	17	regions	region	NOUN
aijbms-280	66	18	by	by	ADP
aijbms-280	66	19	giving	give	VERB
aijbms-280	66	20	financial	financial	ADJ
aijbms-280	66	21	security	security	NOUN
aijbms-280	66	22	.	.	PUNCT
aijbms-280	67	1	it	it	PRON
aijbms-280	67	2	provides	provide	VERB
aijbms-280	67	3	a	a	DET
aijbms-280	67	4	solution	solution	NOUN
aijbms-280	67	5	by	by	ADP
aijbms-280	67	6	offering	offer	VERB
aijbms-280	67	7	low	low	ADJ
aijbms-280	67	8	-	-	PUNCT
aijbms-280	67	9	cost	cost	NOUN
aijbms-280	67	10	insurance	insurance	NOUN
aijbms-280	67	11	options	option	NOUN
aijbms-280	67	12	to	to	ADP
aijbms-280	67	13	those	those	PRON
aijbms-280	67	14	in	in	ADP
aijbms-280	67	15	need	need	NOUN
aijbms-280	67	16	.	.	PUNCT
aijbms-280	68	1	combining	combine	VERB
aijbms-280	68	2	micro	micro	ADJ
aijbms-280	68	3	insurance	insurance	NOUN
aijbms-280	68	4	,	,	PUNCT
aijbms-280	68	5	micro	micro	ADJ
aijbms-280	68	6	savings	saving	NOUN
aijbms-280	68	7	,	,	PUNCT
aijbms-280	68	8	and	and	CCONJ
aijbms-280	68	9	micro	micro	ADJ
aijbms-280	68	10	credit	credit	NOUN
aijbms-280	68	11	has	have	VERB
aijbms-280	68	12	the	the	DET
aijbms-280	68	13	potential	potential	NOUN
aijbms-280	68	14	to	to	PART
aijbms-280	68	15	end	end	VERB
aijbms-280	68	16	poverty	poverty	NOUN
aijbms-280	68	17	and	and	CCONJ
aijbms-280	68	18	promote	promote	VERB
aijbms-280	68	19	financial	financial	ADJ
aijbms-280	68	20	al	al	PROPN
aijbms-280	68	21	-	-	PUNCT
aijbms-280	68	22	imran	imran	PROPN
aijbms-280	68	23	et	et	PROPN
aijbms-280	68	24	al	al	PROPN
aijbms-280	68	25	.	.	PROPN
aijbms-280	68	26	,	,	PUNCT
aijbms-280	68	27	american	american	PROPN
aijbms-280	68	28	international	international	PROPN
aijbms-280	68	29	journal	journal	PROPN
aijbms-280	68	30	of	of	ADP
aijbms-280	68	31	business	business	NOUN
aijbms-280	68	32	and	and	CCONJ
aijbms-280	68	33	management	management	NOUN
aijbms-280	68	34	studies	study	NOUN
aijbms-280	68	35	4(1	4(1	NOUN
aijbms-280	68	36	)	)	PUNCT
aijbms-280	68	37	(	(	PUNCT
aijbms-280	68	38	2022	2022	NUM
aijbms-280	68	39	)	)	PUNCT
aijbms-280	68	40	,	,	PUNCT
aijbms-280	68	41	12	12	NUM
aijbms-280	68	42	-	-	SYM
aijbms-280	68	43	21	21	NUM
aijbms-280	68	44	14	14	NUM
aijbms-280	68	45	inclusion	inclusion	NOUN
aijbms-280	68	46	.	.	PUNCT
aijbms-280	69	1	developing	develop	VERB
aijbms-280	69	2	inclusive	inclusive	ADJ
aijbms-280	69	3	programs	program	NOUN
aijbms-280	69	4	that	that	PRON
aijbms-280	69	5	address	address	VERB
aijbms-280	69	6	the	the	DET
aijbms-280	69	7	unique	unique	ADJ
aijbms-280	69	8	needs	need	NOUN
aijbms-280	69	9	of	of	ADP
aijbms-280	69	10	different	different	ADJ
aijbms-280	69	11	income	income	NOUN
aijbms-280	69	12	groups	group	NOUN
aijbms-280	69	13	is	be	AUX
aijbms-280	69	14	necessary	necessary	ADJ
aijbms-280	69	15	to	to	PART
aijbms-280	69	16	provide	provide	VERB
aijbms-280	69	17	basic	basic	ADJ
aijbms-280	69	18	social	social	ADJ
aijbms-280	69	19	services	service	NOUN
aijbms-280	69	20	,	,	PUNCT
aijbms-280	69	21	break	break	VERB
aijbms-280	69	22	the	the	DET
aijbms-280	69	23	cycle	cycle	NOUN
aijbms-280	69	24	of	of	ADP
aijbms-280	69	25	poverty	poverty	NOUN
aijbms-280	69	26	,	,	PUNCT
aijbms-280	69	27	and	and	CCONJ
aijbms-280	69	28	ensure	ensure	VERB
aijbms-280	69	29	access	access	NOUN
aijbms-280	69	30	to	to	ADP
aijbms-280	69	31	affordable	affordable	ADJ
aijbms-280	69	32	healthcare	healthcare	NOUN
aijbms-280	69	33	(	(	PUNCT
aijbms-280	69	34	platteau	platteau	NOUN
aijbms-280	69	35	et	et	PROPN
aijbms-280	69	36	al	al	PROPN
aijbms-280	69	37	.	.	PROPN
aijbms-280	69	38	,	,	PUNCT
aijbms-280	69	39	2017	2017	NUM
aijbms-280	69	40	;	;	PUNCT
aijbms-280	69	41	ali	ali	PROPN
aijbms-280	69	42	&	&	CCONJ
aijbms-280	69	43	faisal	faisal	PROPN
aijbms-280	69	44	-	-	PUNCT
aijbms-280	69	45	e	e	PROPN
aijbms-280	69	46	-	-	NOUN
aijbms-280	69	47	alam	alam	ADJ
aijbms-280	69	48	,	,	PUNCT
aijbms-280	69	49	2022	2022	NUM
aijbms-280	69	50	;	;	PUNCT
aijbms-280	69	51	zayed	zayed	PROPN
aijbms-280	69	52	et	et	PROPN
aijbms-280	69	53	al	al	PROPN
aijbms-280	69	54	.	.	PROPN
aijbms-280	69	55	,	,	PUNCT
aijbms-280	69	56	2022b	2022b	NUM
aijbms-280	69	57	;	;	PUNCT
aijbms-280	69	58	zayed	zayed	PROPN
aijbms-280	69	59	et	et	PROPN
aijbms-280	69	60	al	al	PROPN
aijbms-280	69	61	.	.	PROPN
aijbms-280	69	62	,	,	PUNCT
aijbms-280	69	63	2022c	2022c	NUM
aijbms-280	69	64	;	;	PUNCT
aijbms-280	69	65	zayed	zayed	PROPN
aijbms-280	69	66	et	et	PROPN
aijbms-280	69	67	al	al	PROPN
aijbms-280	69	68	.	.	PROPN
aijbms-280	69	69	,	,	PUNCT
aijbms-280	69	70	2022d	2022d	NUM
aijbms-280	69	71	;	;	PUNCT
aijbms-280	69	72	bhuiyan	bhuiyan	PROPN
aijbms-280	69	73	et	et	PROPN
aijbms-280	69	74	al	al	PROPN
aijbms-280	69	75	.	.	PROPN
aijbms-280	69	76	,	,	PUNCT
aijbms-280	69	77	2022	2022	NUM
aijbms-280	69	78	;	;	PUNCT
aijbms-280	69	79	;	;	PUNCT
aijbms-280	69	80	shayery	shayery	NOUN
aijbms-280	69	81	et	et	PROPN
aijbms-280	69	82	al	al	PROPN
aijbms-280	69	83	.	.	PROPN
aijbms-280	69	84	,	,	PUNCT
aijbms-280	69	85	2022	2022	NUM
aijbms-280	69	86	;	;	PUNCT
aijbms-280	69	87	edeh	edeh	ADV
aijbms-280	69	88	et	et	PROPN
aijbms-280	69	89	al	al	PROPN
aijbms-280	69	90	.	.	PROPN
aijbms-280	69	91	,	,	PUNCT
aijbms-280	69	92	2023	2023	NUM
aijbms-280	69	93	)	)	PUNCT
aijbms-280	69	94	.	.	PUNCT
aijbms-280	70	1	a	a	DET
aijbms-280	70	2	study	study	NOUN
aijbms-280	70	3	conducted	conduct	VERB
aijbms-280	70	4	by	by	ADP
aijbms-280	70	5	babajide	babajide	ADJ
aijbms-280	70	6	(	(	PUNCT
aijbms-280	70	7	2015	2015	NUM
aijbms-280	70	8	)	)	PUNCT
aijbms-280	70	9	found	find	VERB
aijbms-280	70	10	that	that	SCONJ
aijbms-280	70	11	micro	micro	ADJ
aijbms-280	70	12	insurance	insurance	NOUN
aijbms-280	70	13	is	be	AUX
aijbms-280	70	14	a	a	DET
aijbms-280	70	15	crucial	crucial	ADJ
aijbms-280	70	16	aspect	aspect	NOUN
aijbms-280	70	17	of	of	ADP
aijbms-280	70	18	financial	financial	ADJ
aijbms-280	70	19	services	service	NOUN
aijbms-280	70	20	for	for	ADP
aijbms-280	70	21	people	people	NOUN
aijbms-280	70	22	of	of	ADP
aijbms-280	70	23	lower	low	ADJ
aijbms-280	70	24	socioeconomic	socioeconomic	ADJ
aijbms-280	70	25	status	status	NOUN
aijbms-280	70	26	.	.	PUNCT
aijbms-280	71	1	people	people	NOUN
aijbms-280	71	2	with	with	ADP
aijbms-280	71	3	fewer	few	ADJ
aijbms-280	71	4	resources	resource	NOUN
aijbms-280	71	5	are	be	AUX
aijbms-280	71	6	exposed	expose	VERB
aijbms-280	71	7	to	to	ADP
aijbms-280	71	8	greater	great	ADJ
aijbms-280	71	9	risks	risk	NOUN
aijbms-280	71	10	and	and	CCONJ
aijbms-280	71	11	are	be	AUX
aijbms-280	71	12	more	more	ADV
aijbms-280	71	13	susceptible	susceptible	ADJ
aijbms-280	71	14	to	to	ADP
aijbms-280	71	15	the	the	DET
aijbms-280	71	16	impact	impact	NOUN
aijbms-280	71	17	of	of	ADP
aijbms-280	71	18	these	these	DET
aijbms-280	71	19	risks	risk	NOUN
aijbms-280	71	20	.	.	PUNCT
aijbms-280	72	1	however	however	ADV
aijbms-280	72	2	,	,	PUNCT
aijbms-280	72	3	it	it	PRON
aijbms-280	72	4	has	have	AUX
aijbms-280	72	5	become	become	VERB
aijbms-280	72	6	increasingly	increasingly	ADV
aijbms-280	72	7	evident	evident	ADJ
aijbms-280	72	8	that	that	SCONJ
aijbms-280	72	9	micro	micro	ADJ
aijbms-280	72	10	insurance	insurance	NOUN
aijbms-280	72	11	requires	require	VERB
aijbms-280	72	12	stronger	strong	ADJ
aijbms-280	72	13	support	support	NOUN
aijbms-280	72	14	and	and	CCONJ
aijbms-280	72	15	supervision	supervision	NOUN
aijbms-280	72	16	from	from	ADP
aijbms-280	72	17	governing	govern	VERB
aijbms-280	72	18	and	and	CCONJ
aijbms-280	72	19	regulatory	regulatory	ADJ
aijbms-280	72	20	bodies	body	NOUN
aijbms-280	72	21	such	such	ADJ
aijbms-280	72	22	as	as	ADP
aijbms-280	72	23	the	the	DET
aijbms-280	72	24	insurance	insurance	NOUN
aijbms-280	72	25	regulatory	regulatory	ADJ
aijbms-280	72	26	development	development	NOUN
aijbms-280	72	27	authority	authority	NOUN
aijbms-280	72	28	and	and	CCONJ
aijbms-280	72	29	the	the	DET
aijbms-280	72	30	government	government	NOUN
aijbms-280	72	31	to	to	PART
aijbms-280	72	32	fully	fully	ADV
aijbms-280	72	33	serve	serve	VERB
aijbms-280	72	34	this	this	DET
aijbms-280	72	35	population	population	NOUN
aijbms-280	72	36	.	.	PUNCT
aijbms-280	73	1	materials	material	NOUN
aijbms-280	73	2	and	and	CCONJ
aijbms-280	73	3	methods	method	NOUN
aijbms-280	73	4	study	study	NOUN
aijbms-280	73	5	area	area	NOUN
aijbms-280	73	6	this	this	DET
aijbms-280	73	7	study	study	NOUN
aijbms-280	73	8	took	take	VERB
aijbms-280	73	9	place	place	NOUN
aijbms-280	73	10	in	in	ADP
aijbms-280	73	11	somalia	somalia	PROPN
aijbms-280	73	12	,	,	PUNCT
aijbms-280	73	13	which	which	PRON
aijbms-280	73	14	is	be	AUX
aijbms-280	73	15	located	locate	VERB
aijbms-280	73	16	in	in	ADP
aijbms-280	73	17	the	the	DET
aijbms-280	73	18	horn	horn	NOUN
aijbms-280	73	19	of	of	ADP
aijbms-280	73	20	africa	africa	PROPN
aijbms-280	73	21	and	and	CCONJ
aijbms-280	73	22	is	be	AUX
aijbms-280	73	23	bordered	border	VERB
aijbms-280	73	24	by	by	ADP
aijbms-280	73	25	djibouti	djibouti	PROPN
aijbms-280	73	26	,	,	PUNCT
aijbms-280	73	27	kenya	kenya	PROPN
aijbms-280	73	28	,	,	PUNCT
aijbms-280	73	29	the	the	DET
aijbms-280	73	30	gulf	gulf	PROPN
aijbms-280	73	31	of	of	ADP
aijbms-280	73	32	aden	aden	PROPN
aijbms-280	73	33	and	and	CCONJ
aijbms-280	73	34	yemen	yemen	PROPN
aijbms-280	73	35	,	,	PUNCT
aijbms-280	73	36	the	the	DET
aijbms-280	73	37	indian	indian	ADJ
aijbms-280	73	38	ocean	ocean	NOUN
aijbms-280	73	39	,	,	PUNCT
aijbms-280	73	40	and	and	CCONJ
aijbms-280	73	41	ethiopia	ethiopia	PROPN
aijbms-280	73	42	.	.	PUNCT
aijbms-280	74	1	it	it	PRON
aijbms-280	74	2	consists	consist	VERB
aijbms-280	74	3	of	of	ADP
aijbms-280	74	4	six	six	NUM
aijbms-280	74	5	government	government	NOUN
aijbms-280	74	6	-	-	PUNCT
aijbms-280	74	7	recognized	recognize	VERB
aijbms-280	74	8	states	state	NOUN
aijbms-280	74	9	and	and	CCONJ
aijbms-280	74	10	one	one	NUM
aijbms-280	74	11	self	self	NOUN
aijbms-280	74	12	-	-	PUNCT
aijbms-280	74	13	declared	declare	VERB
aijbms-280	74	14	state	state	NOUN
aijbms-280	74	15	.	.	PUNCT
aijbms-280	75	1	somalia	somalia	PROPN
aijbms-280	75	2	has	have	VERB
aijbms-280	75	3	a	a	DET
aijbms-280	75	4	total	total	ADJ
aijbms-280	75	5	land	land	NOUN
aijbms-280	75	6	area	area	NOUN
aijbms-280	75	7	of	of	ADP
aijbms-280	75	8	637,657	637,657	NUM
aijbms-280	75	9	square	square	ADJ
aijbms-280	75	10	km	km	NOUN
aijbms-280	75	11	,	,	PUNCT
aijbms-280	75	12	with	with	ADP
aijbms-280	75	13	45	45	NUM
aijbms-280	75	14	%	%	NOUN
aijbms-280	75	15	as	as	ADP
aijbms-280	75	16	rangelands	rangeland	NOUN
aijbms-280	75	17	,	,	PUNCT
aijbms-280	75	18	30	30	NUM
aijbms-280	75	19	%	%	NOUN
aijbms-280	75	20	as	as	ADP
aijbms-280	75	21	desert	desert	NOUN
aijbms-280	75	22	,	,	PUNCT
aijbms-280	75	23	14	14	NUM
aijbms-280	75	24	%	%	NOUN
aijbms-280	75	25	as	as	ADP
aijbms-280	75	26	forested	forest	VERB
aijbms-280	75	27	,	,	PUNCT
aijbms-280	75	28	and	and	CCONJ
aijbms-280	75	29	11	11	NUM
aijbms-280	75	30	%	%	NOUN
aijbms-280	75	31	as	as	ADP
aijbms-280	75	32	fertile	fertile	ADJ
aijbms-280	75	33	for	for	ADP
aijbms-280	75	34	agriculture	agriculture	NOUN
aijbms-280	75	35	.	.	PUNCT
aijbms-280	76	1	it	it	PRON
aijbms-280	76	2	has	have	VERB
aijbms-280	76	3	two	two	NUM
aijbms-280	76	4	international	international	ADJ
aijbms-280	76	5	river	river	NOUN
aijbms-280	76	6	basins	basin	NOUN
aijbms-280	76	7	,	,	PUNCT
aijbms-280	76	8	the	the	DET
aijbms-280	76	9	shabelle	shabelle	NOUN
aijbms-280	76	10	and	and	CCONJ
aijbms-280	76	11	juba	juba	PROPN
aijbms-280	76	12	,	,	PUNCT
aijbms-280	76	13	which	which	PRON
aijbms-280	76	14	can	can	AUX
aijbms-280	76	15	sometimes	sometimes	ADV
aijbms-280	76	16	become	become	VERB
aijbms-280	76	17	sources	source	NOUN
aijbms-280	76	18	of	of	ADP
aijbms-280	76	19	flooding	flooding	NOUN
aijbms-280	76	20	,	,	PUNCT
aijbms-280	76	21	especially	especially	ADV
aijbms-280	76	22	during	during	ADP
aijbms-280	76	23	the	the	DET
aijbms-280	76	24	rainy	rainy	ADJ
aijbms-280	76	25	season	season	NOUN
aijbms-280	76	26	.	.	PUNCT
aijbms-280	77	1	the	the	DET
aijbms-280	77	2	populations	population	NOUN
aijbms-280	77	3	living	live	VERB
aijbms-280	77	4	in	in	ADP
aijbms-280	77	5	riverine	riverine	NOUN
aijbms-280	77	6	areas	area	NOUN
aijbms-280	77	7	face	face	VERB
aijbms-280	77	8	challenges	challenge	NOUN
aijbms-280	77	9	from	from	ADP
aijbms-280	77	10	these	these	DET
aijbms-280	77	11	floods	flood	NOUN
aijbms-280	77	12	and	and	CCONJ
aijbms-280	77	13	the	the	DET
aijbms-280	77	14	ethiopian	ethiopian	ADJ
aijbms-280	77	15	government	government	NOUN
aijbms-280	77	16	is	be	AUX
aijbms-280	77	17	responsible	responsible	ADJ
aijbms-280	77	18	for	for	ADP
aijbms-280	77	19	addressing	address	VERB
aijbms-280	77	20	these	these	DET
aijbms-280	77	21	issues	issue	NOUN
aijbms-280	77	22	.	.	PUNCT
aijbms-280	78	1	figure	figure	VERB
aijbms-280	78	2	1	1	NUM
aijbms-280	78	3	.	.	PUNCT
aijbms-280	78	4	map	map	NOUN
aijbms-280	78	5	of	of	ADP
aijbms-280	78	6	somalia	somalia	PROPN
aijbms-280	78	7	source	source	NOUN
aijbms-280	78	8	:	:	PUNCT
aijbms-280	78	9	world	world	PROPN
aijbms-280	78	10	atlas	atlas	PROPN
aijbms-280	78	11	(	(	PUNCT
aijbms-280	78	12	2021	2021	NUM
aijbms-280	78	13	)	)	PUNCT
aijbms-280	78	14	study	study	NOUN
aijbms-280	78	15	design	design	VERB
aijbms-280	78	16	a	a	DET
aijbms-280	78	17	qualitative	qualitative	ADJ
aijbms-280	78	18	survey	survey	NOUN
aijbms-280	78	19	was	be	AUX
aijbms-280	78	20	designed	design	VERB
aijbms-280	78	21	to	to	PART
aijbms-280	78	22	conduct	conduct	VERB
aijbms-280	78	23	the	the	DET
aijbms-280	78	24	study	study	NOUN
aijbms-280	78	25	.	.	PUNCT
aijbms-280	79	1	the	the	DET
aijbms-280	79	2	survey	survey	NOUN
aijbms-280	79	3	is	be	AUX
aijbms-280	79	4	a	a	DET
aijbms-280	79	5	research	research	NOUN
aijbms-280	79	6	methodology	methodology	NOUN
aijbms-280	79	7	that	that	PRON
aijbms-280	79	8	involves	involve	VERB
aijbms-280	79	9	gathering	gather	VERB
aijbms-280	79	10	information	information	NOUN
aijbms-280	79	11	from	from	ADP
aijbms-280	79	12	a	a	DET
aijbms-280	79	13	group	group	NOUN
aijbms-280	79	14	of	of	ADP
aijbms-280	79	15	participants	participant	NOUN
aijbms-280	79	16	by	by	ADP
aijbms-280	79	17	asking	ask	VERB
aijbms-280	79	18	them	they	PRON
aijbms-280	79	19	questions	question	NOUN
aijbms-280	79	20	and	and	CCONJ
aijbms-280	79	21	collecting	collect	VERB
aijbms-280	79	22	their	their	PRON
aijbms-280	79	23	responses	response	NOUN
aijbms-280	79	24	(	(	PUNCT
aijbms-280	79	25	check	check	NOUN
aijbms-280	79	26	&	&	CCONJ
aijbms-280	79	27	schutt	schutt	PROPN
aijbms-280	79	28	,	,	PUNCT
aijbms-280	79	29	2012	2012	NUM
aijbms-280	79	30	;	;	PUNCT
aijbms-280	79	31	reza	reza	PROPN
aijbms-280	79	32	&	&	CCONJ
aijbms-280	79	33	faisal	faisal	PROPN
aijbms-280	79	34	-	-	PUNCT
aijbms-280	79	35	e	e	PROPN
aijbms-280	79	36	-	-	NOUN
aijbms-280	79	37	alam	alam	ADJ
aijbms-280	79	38	,	,	PUNCT
aijbms-280	79	39	2022	2022	NUM
aijbms-280	79	40	)	)	PUNCT
aijbms-280	79	41	.	.	PUNCT
aijbms-280	80	1	so	so	ADV
aijbms-280	80	2	that	that	SCONJ
aijbms-280	80	3	this	this	DET
aijbms-280	80	4	design	design	NOUN
aijbms-280	80	5	was	be	AUX
aijbms-280	80	6	used	use	VERB
aijbms-280	80	7	to	to	PART
aijbms-280	80	8	describe	describe	VERB
aijbms-280	80	9	how	how	SCONJ
aijbms-280	80	10	the	the	DET
aijbms-280	80	11	drought	drought	NOUN
aijbms-280	80	12	impacts	impact	NOUN
aijbms-280	80	13	on	on	ADP
aijbms-280	80	14	small	small	ADJ
aijbms-280	80	15	scale	scale	NOUN
aijbms-280	80	16	farmers	farmer	NOUN
aijbms-280	80	17	to	to	PART
aijbms-280	80	18	collect	collect	VERB
aijbms-280	80	19	information	information	NOUN
aijbms-280	80	20	based	base	VERB
aijbms-280	80	21	on	on	ADP
aijbms-280	80	22	proposed	propose	VERB
aijbms-280	80	23	questionnaire	questionnaire	NOUN
aijbms-280	80	24	and	and	CCONJ
aijbms-280	80	25	summarize	summarize	VERB
aijbms-280	80	26	according	accord	VERB
aijbms-280	80	27	to	to	ADP
aijbms-280	80	28	the	the	DET
aijbms-280	80	29	respondent	respondent	NOUN
aijbms-280	80	30	’s	’s	PART
aijbms-280	80	31	feedback	feedback	NOUN
aijbms-280	80	32	accordingly	accordingly	ADV
aijbms-280	80	33	that	that	SCONJ
aijbms-280	80	34	this	this	DET
aijbms-280	80	35	type	type	NOUN
aijbms-280	80	36	of	of	ADP
aijbms-280	80	37	survey	survey	NOUN
aijbms-280	80	38	design	design	NOUN
aijbms-280	80	39	simplifies	simplifie	NOUN
aijbms-280	80	40	the	the	DET
aijbms-280	80	41	researcher	researcher	NOUN
aijbms-280	80	42	to	to	PART
aijbms-280	80	43	understand	understand	VERB
aijbms-280	80	44	and	and	CCONJ
aijbms-280	80	45	simply	simply	ADV
aijbms-280	80	46	summarize	summarize	VERB
aijbms-280	80	47	the	the	DET
aijbms-280	80	48	problem	problem	NOUN
aijbms-280	80	49	.	.	PUNCT
aijbms-280	81	1	sample	sample	NOUN
aijbms-280	81	2	size	size	NOUN
aijbms-280	81	3	the	the	DET
aijbms-280	81	4	researcher	researcher	NOUN
aijbms-280	81	5	planned	plan	VERB
aijbms-280	81	6	to	to	PART
aijbms-280	81	7	determine	determine	VERB
aijbms-280	81	8	the	the	DET
aijbms-280	81	9	sample	sample	NOUN
aijbms-280	81	10	size	size	NOUN
aijbms-280	81	11	using	use	VERB
aijbms-280	81	12	the	the	DET
aijbms-280	81	13	formula	formula	NOUN
aijbms-280	81	14	suggested	suggest	VERB
aijbms-280	81	15	by	by	ADP
aijbms-280	81	16	lemeshow	lemeshow	PROPN
aijbms-280	81	17	et	et	PROPN
aijbms-280	81	18	al	al	PROPN
aijbms-280	81	19	.	.	PROPN
aijbms-280	82	1	(	(	PUNCT
aijbms-280	82	2	1990	1990	NUM
aijbms-280	82	3	)	)	PUNCT
aijbms-280	82	4	,	,	PUNCT
aijbms-280	82	5	however	however	ADV
aijbms-280	82	6	,	,	PUNCT
aijbms-280	82	7	due	due	ADP
aijbms-280	82	8	to	to	ADP
aijbms-280	82	9	factors	factor	NOUN
aijbms-280	82	10	such	such	ADJ
aijbms-280	82	11	as	as	ADP
aijbms-280	82	12	time	time	NOUN
aijbms-280	82	13	and	and	CCONJ
aijbms-280	82	14	resource	resource	NOUN
aijbms-280	82	15	constraints	constraint	NOUN
aijbms-280	82	16	,	,	PUNCT
aijbms-280	82	17	the	the	DET
aijbms-280	82	18	final	final	ADJ
aijbms-280	82	19	sample	sample	NOUN
aijbms-280	82	20	size	size	NOUN
aijbms-280	82	21	could	could	AUX
aijbms-280	82	22	not	not	PART
aijbms-280	82	23	be	be	AUX
aijbms-280	82	24	determined	determine	VERB
aijbms-280	82	25	.	.	PUNCT
aijbms-280	83	1	the	the	DET
aijbms-280	83	2	study	study	NOUN
aijbms-280	83	3	was	be	AUX
aijbms-280	83	4	conducted	conduct	VERB
aijbms-280	83	5	through	through	ADP
aijbms-280	83	6	an	an	DET
aijbms-280	83	7	online	online	ADJ
aijbms-280	83	8	survey	survey	NOUN
aijbms-280	83	9	,	,	PUNCT
aijbms-280	83	10	with	with	ADP
aijbms-280	83	11	an	an	DET
aijbms-280	83	12	unlimited	unlimited	ADJ
aijbms-280	83	13	target	target	NOUN
aijbms-280	83	14	population	population	NOUN
aijbms-280	83	15	and	and	CCONJ
aijbms-280	83	16	respondents	respondent	NOUN
aijbms-280	83	17	limited	limit	VERB
aijbms-280	83	18	to	to	ADP
aijbms-280	83	19	certain	certain	ADJ
aijbms-280	83	20	disaster	disaster	NOUN
aijbms-280	83	21	-	-	PUNCT
aijbms-280	83	22	stricken	stricken	VERB
aijbms-280	83	23	areas	area	NOUN
aijbms-280	83	24	in	in	ADP
aijbms-280	83	25	somalia	somalia	PROPN
aijbms-280	83	26	.	.	PUNCT
aijbms-280	84	1	however	however	ADV
aijbms-280	84	2	,	,	PUNCT
aijbms-280	84	3	the	the	DET
aijbms-280	84	4	number	number	NOUN
aijbms-280	84	5	of	of	ADP
aijbms-280	84	6	populations	population	NOUN
aijbms-280	84	7	in	in	ADP
aijbms-280	84	8	those	those	DET
aijbms-280	84	9	districts	district	NOUN
aijbms-280	84	10	was	be	AUX
aijbms-280	84	11	uncounted	uncounte	VERB
aijbms-280	84	12	but	but	CCONJ
aijbms-280	84	13	it	it	PRON
aijbms-280	84	14	is	be	AUX
aijbms-280	84	15	assumed	assume	VERB
aijbms-280	84	16	that	that	SCONJ
aijbms-280	84	17	100	100	NUM
aijbms-280	84	18	participant	participant	NOUN
aijbms-280	84	19	were	be	AUX
aijbms-280	84	20	included	include	VERB
aijbms-280	84	21	in	in	ADP
aijbms-280	84	22	the	the	DET
aijbms-280	84	23	study	study	NOUN
aijbms-280	84	24	.	.	PUNCT
aijbms-280	85	1	sample	sample	NOUN
aijbms-280	85	2	procedure	procedure	NOUN
aijbms-280	85	3	in	in	ADP
aijbms-280	85	4	this	this	DET
aijbms-280	85	5	study	study	NOUN
aijbms-280	85	6	,	,	PUNCT
aijbms-280	85	7	the	the	DET
aijbms-280	85	8	researcher	researcher	NOUN
aijbms-280	85	9	chose	choose	VERB
aijbms-280	85	10	to	to	PART
aijbms-280	85	11	use	use	VERB
aijbms-280	85	12	a	a	DET
aijbms-280	85	13	non	non	ADJ
aijbms-280	85	14	-	-	ADJ
aijbms-280	85	15	probabilistic	probabilistic	ADJ
aijbms-280	85	16	sampling	sampling	NOUN
aijbms-280	85	17	method	method	NOUN
aijbms-280	85	18	and	and	CCONJ
aijbms-280	85	19	employed	employ	VERB
aijbms-280	85	20	purposive	purposive	NOUN
aijbms-280	85	21	sampling	sampling	NOUN
aijbms-280	85	22	to	to	PART
aijbms-280	85	23	determine	determine	VERB
aijbms-280	85	24	the	the	DET
aijbms-280	85	25	sample	sample	NOUN
aijbms-280	85	26	size	size	NOUN
aijbms-280	85	27	.	.	PUNCT
aijbms-280	86	1	this	this	DET
aijbms-280	86	2	method	method	NOUN
aijbms-280	86	3	was	be	AUX
aijbms-280	86	4	chosen	choose	VERB
aijbms-280	86	5	because	because	SCONJ
aijbms-280	86	6	it	it	PRON
aijbms-280	86	7	allowed	allow	VERB
aijbms-280	86	8	the	the	DET
aijbms-280	86	9	researcher	researcher	NOUN
aijbms-280	86	10	to	to	PART
aijbms-280	86	11	deliberately	deliberately	ADV
aijbms-280	86	12	select	select	VERB
aijbms-280	86	13	participants	participant	NOUN
aijbms-280	86	14	who	who	PRON
aijbms-280	86	15	were	be	AUX
aijbms-280	86	16	residing	reside	VERB
aijbms-280	86	17	in	in	ADP
aijbms-280	86	18	disaster	disaster	NOUN
aijbms-280	86	19	-	-	PUNCT
aijbms-280	86	20	prone	prone	ADJ
aijbms-280	86	21	areas	area	NOUN
aijbms-280	86	22	of	of	ADP
aijbms-280	86	23	somalia	somalia	PROPN
aijbms-280	86	24	and	and	CCONJ
aijbms-280	86	25	were	be	AUX
aijbms-280	86	26	knowledgeable	knowledgeable	ADJ
aijbms-280	86	27	about	about	ADP
aijbms-280	86	28	the	the	DET
aijbms-280	86	29	issue	issue	NOUN
aijbms-280	86	30	.	.	PUNCT
aijbms-280	87	1	the	the	DET
aijbms-280	87	2	purpose	purpose	NOUN
aijbms-280	87	3	of	of	ADP
aijbms-280	87	4	using	use	VERB
aijbms-280	87	5	purposive	purposive	ADJ
aijbms-280	87	6	sampling	sampling	NOUN
aijbms-280	87	7	was	be	AUX
aijbms-280	87	8	to	to	PART
aijbms-280	87	9	gather	gather	VERB
aijbms-280	87	10	focused	focused	ADJ
aijbms-280	87	11	information	information	NOUN
aijbms-280	87	12	,	,	PUNCT
aijbms-280	87	13	and	and	CCONJ
aijbms-280	87	14	the	the	DET
aijbms-280	87	15	researcher	researcher	NOUN
aijbms-280	87	16	chose	choose	VERB
aijbms-280	87	17	it	it	PRON
aijbms-280	87	18	for	for	ADP
aijbms-280	87	19	its	its	PRON
aijbms-280	87	20	efficiency	efficiency	NOUN
aijbms-280	87	21	in	in	ADP
aijbms-280	87	22	terms	term	NOUN
aijbms-280	87	23	of	of	ADP
aijbms-280	87	24	saving	save	VERB
aijbms-280	87	25	time	time	NOUN
aijbms-280	87	26	and	and	CCONJ
aijbms-280	87	27	money	money	NOUN
aijbms-280	87	28	.	.	PUNCT
aijbms-280	88	1	additionally	additionally	ADV
aijbms-280	88	2	,	,	PUNCT
aijbms-280	88	3	the	the	DET
aijbms-280	88	4	researcher	researcher	NOUN
aijbms-280	88	5	's	's	PART
aijbms-280	88	6	inability	inability	NOUN
aijbms-280	88	7	to	to	PART
aijbms-280	88	8	be	be	AUX
aijbms-280	88	9	physically	physically	ADV
aijbms-280	88	10	present	present	ADJ
aijbms-280	88	11	in	in	ADP
aijbms-280	88	12	somalia	somalia	PROPN
aijbms-280	88	13	made	make	VERB
aijbms-280	88	14	the	the	DET
aijbms-280	88	15	situation	situation	NOUN
aijbms-280	88	16	more	more	ADV
aijbms-280	88	17	challenging	challenging	ADJ
aijbms-280	88	18	.	.	PUNCT
aijbms-280	89	1	al	al	PROPN
aijbms-280	89	2	-	-	PUNCT
aijbms-280	89	3	imran	imran	PROPN
aijbms-280	89	4	et	et	PROPN
aijbms-280	89	5	al	al	PROPN
aijbms-280	89	6	.	.	PROPN
aijbms-280	89	7	,	,	PUNCT
aijbms-280	89	8	american	american	PROPN
aijbms-280	89	9	international	international	PROPN
aijbms-280	89	10	journal	journal	PROPN
aijbms-280	89	11	of	of	ADP
aijbms-280	89	12	business	business	NOUN
aijbms-280	89	13	and	and	CCONJ
aijbms-280	89	14	management	management	NOUN
aijbms-280	89	15	studies	study	NOUN
aijbms-280	89	16	4(1	4(1	NOUN
aijbms-280	89	17	)	)	PUNCT
aijbms-280	89	18	(	(	PUNCT
aijbms-280	89	19	2022	2022	NUM
aijbms-280	89	20	)	)	PUNCT
aijbms-280	89	21	,	,	PUNCT
aijbms-280	89	22	12	12	NUM
aijbms-280	89	23	-	-	SYM
aijbms-280	89	24	21	21	NUM
aijbms-280	89	25	15	15	NUM
aijbms-280	89	26	research	research	NOUN
aijbms-280	89	27	instrument	instrument	NOUN
aijbms-280	89	28	this	this	DET
aijbms-280	89	29	research	research	NOUN
aijbms-280	89	30	utilized	utilize	VERB
aijbms-280	89	31	a	a	DET
aijbms-280	89	32	questionnaire	questionnaire	NOUN
aijbms-280	89	33	as	as	ADP
aijbms-280	89	34	the	the	DET
aijbms-280	89	35	primary	primary	ADJ
aijbms-280	89	36	method	method	NOUN
aijbms-280	89	37	of	of	ADP
aijbms-280	89	38	collecting	collect	VERB
aijbms-280	89	39	data	datum	NOUN
aijbms-280	89	40	,	,	PUNCT
aijbms-280	89	41	which	which	PRON
aijbms-280	89	42	was	be	AUX
aijbms-280	89	43	administered	administer	VERB
aijbms-280	89	44	through	through	ADP
aijbms-280	89	45	google	google	PROPN
aijbms-280	89	46	forms	form	NOUN
aijbms-280	89	47	.	.	PUNCT
aijbms-280	90	1	the	the	DET
aijbms-280	90	2	use	use	NOUN
aijbms-280	90	3	of	of	ADP
aijbms-280	90	4	a	a	DET
aijbms-280	90	5	questionnaire	questionnaire	NOUN
aijbms-280	90	6	was	be	AUX
aijbms-280	90	7	deemed	deem	VERB
aijbms-280	90	8	appropriate	appropriate	ADJ
aijbms-280	90	9	due	due	ADP
aijbms-280	90	10	to	to	ADP
aijbms-280	90	11	the	the	DET
aijbms-280	90	12	nature	nature	NOUN
aijbms-280	90	13	of	of	ADP
aijbms-280	90	14	the	the	DET
aijbms-280	90	15	information	information	NOUN
aijbms-280	90	16	being	be	AUX
aijbms-280	90	17	collected	collect	VERB
aijbms-280	90	18	,	,	PUNCT
aijbms-280	90	19	the	the	DET
aijbms-280	90	20	time	time	NOUN
aijbms-280	90	21	constraints	constraint	VERB
aijbms-280	90	22	,	,	PUNCT
aijbms-280	90	23	and	and	CCONJ
aijbms-280	90	24	the	the	DET
aijbms-280	90	25	goals	goal	NOUN
aijbms-280	90	26	of	of	ADP
aijbms-280	90	27	the	the	DET
aijbms-280	90	28	research	research	NOUN
aijbms-280	90	29	.	.	PUNCT
aijbms-280	91	1	the	the	DET
aijbms-280	91	2	purpose	purpose	NOUN
aijbms-280	91	3	of	of	ADP
aijbms-280	91	4	the	the	DET
aijbms-280	91	5	paper	paper	NOUN
aijbms-280	91	6	was	be	AUX
aijbms-280	91	7	to	to	PART
aijbms-280	91	8	understand	understand	VERB
aijbms-280	91	9	the	the	DET
aijbms-280	91	10	impact	impact	NOUN
aijbms-280	91	11	of	of	ADP
aijbms-280	91	12	drought	drought	NOUN
aijbms-280	91	13	on	on	ADP
aijbms-280	91	14	minor	minor	ADJ
aijbms-280	91	15	scale	scale	NOUN
aijbms-280	91	16	farmers	farmer	NOUN
aijbms-280	91	17	in	in	ADP
aijbms-280	91	18	somalia	somalia	PROPN
aijbms-280	91	19	and	and	CCONJ
aijbms-280	91	20	its	its	PRON
aijbms-280	91	21	effects	effect	NOUN
aijbms-280	91	22	on	on	ADP
aijbms-280	91	23	various	various	ADJ
aijbms-280	91	24	aspects	aspect	NOUN
aijbms-280	91	25	such	such	ADJ
aijbms-280	91	26	as	as	ADP
aijbms-280	91	27	economics	economic	NOUN
aijbms-280	91	28	,	,	PUNCT
aijbms-280	91	29	health	health	NOUN
aijbms-280	91	30	,	,	PUNCT
aijbms-280	91	31	agriculture	agriculture	NOUN
aijbms-280	91	32	,	,	PUNCT
aijbms-280	91	33	and	and	CCONJ
aijbms-280	91	34	livelihoods	livelihood	NOUN
aijbms-280	91	35	.	.	PUNCT
aijbms-280	92	1	the	the	DET
aijbms-280	92	2	use	use	NOUN
aijbms-280	92	3	of	of	ADP
aijbms-280	92	4	a	a	DET
aijbms-280	92	5	questionnaire	questionnaire	NOUN
aijbms-280	92	6	was	be	AUX
aijbms-280	92	7	deemed	deem	VERB
aijbms-280	92	8	efficient	efficient	ADJ
aijbms-280	92	9	for	for	ADP
aijbms-280	92	10	collecting	collect	VERB
aijbms-280	92	11	responses	response	NOUN
aijbms-280	92	12	from	from	ADP
aijbms-280	92	13	a	a	DET
aijbms-280	92	14	large	large	ADJ
aijbms-280	92	15	sample	sample	NOUN
aijbms-280	92	16	size	size	NOUN
aijbms-280	92	17	.	.	PUNCT
aijbms-280	93	1	additionally	additionally	ADV
aijbms-280	93	2	,	,	PUNCT
aijbms-280	93	3	the	the	DET
aijbms-280	93	4	ongoing	ongoing	ADJ
aijbms-280	93	5	covid-19	covid-19	PROPN
aijbms-280	93	6	pandemic	pandemic	ADJ
aijbms-280	93	7	and	and	CCONJ
aijbms-280	93	8	limitations	limitation	NOUN
aijbms-280	93	9	in	in	ADP
aijbms-280	93	10	conducting	conduct	VERB
aijbms-280	93	11	field	field	NOUN
aijbms-280	93	12	visits	visit	NOUN
aijbms-280	93	13	also	also	ADV
aijbms-280	93	14	played	play	VERB
aijbms-280	93	15	a	a	DET
aijbms-280	93	16	role	role	NOUN
aijbms-280	93	17	in	in	ADP
aijbms-280	93	18	the	the	DET
aijbms-280	93	19	decision	decision	NOUN
aijbms-280	93	20	to	to	PART
aijbms-280	93	21	use	use	VERB
aijbms-280	93	22	an	an	DET
aijbms-280	93	23	online	online	ADJ
aijbms-280	93	24	survey	survey	NOUN
aijbms-280	93	25	through	through	ADP
aijbms-280	93	26	the	the	DET
aijbms-280	93	27	questionnaire	questionnaire	NOUN
aijbms-280	93	28	.	.	PUNCT
aijbms-280	94	1	data	datum	NOUN
aijbms-280	94	2	collection	collection	NOUN
aijbms-280	94	3	and	and	CCONJ
aijbms-280	94	4	analysis	analysis	NOUN
aijbms-280	94	5	procedure	procedure	NOUN
aijbms-280	94	6	data	datum	NOUN
aijbms-280	94	7	was	be	AUX
aijbms-280	94	8	gathered	gather	VERB
aijbms-280	94	9	for	for	ADP
aijbms-280	94	10	this	this	DET
aijbms-280	94	11	study	study	NOUN
aijbms-280	94	12	's	's	PART
aijbms-280	94	13	purposes	purpose	NOUN
aijbms-280	94	14	from	from	ADP
aijbms-280	94	15	both	both	CCONJ
aijbms-280	94	16	primary	primary	ADJ
aijbms-280	94	17	and	and	CCONJ
aijbms-280	94	18	secondary	secondary	ADJ
aijbms-280	94	19	sources	source	NOUN
aijbms-280	94	20	.	.	PUNCT
aijbms-280	95	1	the	the	DET
aijbms-280	95	2	core	core	NOUN
aijbms-280	95	3	data	datum	NOUN
aijbms-280	95	4	came	come	VERB
aijbms-280	95	5	from	from	ADP
aijbms-280	95	6	an	an	DET
aijbms-280	95	7	online	online	ADJ
aijbms-280	95	8	poll	poll	NOUN
aijbms-280	95	9	conducted	conduct	VERB
aijbms-280	95	10	using	use	VERB
aijbms-280	95	11	google	google	PROPN
aijbms-280	95	12	forms	form	NOUN
aijbms-280	95	13	,	,	PUNCT
aijbms-280	95	14	while	while	SCONJ
aijbms-280	95	15	the	the	DET
aijbms-280	95	16	secondary	secondary	ADJ
aijbms-280	95	17	data	datum	NOUN
aijbms-280	95	18	came	come	VERB
aijbms-280	95	19	from	from	ADP
aijbms-280	95	20	publications	publication	NOUN
aijbms-280	95	21	like	like	ADP
aijbms-280	95	22	books	book	NOUN
aijbms-280	95	23	and	and	CCONJ
aijbms-280	95	24	journals	journal	NOUN
aijbms-280	95	25	as	as	ADV
aijbms-280	95	26	well	well	ADV
aijbms-280	95	27	as	as	ADP
aijbms-280	95	28	earlier	early	ADJ
aijbms-280	95	29	research	research	NOUN
aijbms-280	95	30	.	.	PUNCT
aijbms-280	96	1	microsoft	microsoft	PROPN
aijbms-280	96	2	excel	excel	VERB
aijbms-280	96	3	and	and	CCONJ
aijbms-280	96	4	spss	spss	PROPN
aijbms-280	96	5	version	version	NOUN
aijbms-280	96	6	23.0	23.0	NUM
aijbms-280	96	7	were	be	AUX
aijbms-280	96	8	used	use	VERB
aijbms-280	96	9	to	to	PART
aijbms-280	96	10	analyze	analyze	VERB
aijbms-280	96	11	the	the	DET
aijbms-280	96	12	data	datum	NOUN
aijbms-280	96	13	.	.	PUNCT
aijbms-280	97	1	ethical	ethical	ADJ
aijbms-280	97	2	consideration	consideration	NOUN
aijbms-280	97	3	ethics	ethic	NOUN
aijbms-280	97	4	play	play	VERB
aijbms-280	97	5	a	a	DET
aijbms-280	97	6	crucial	crucial	ADJ
aijbms-280	97	7	role	role	NOUN
aijbms-280	97	8	in	in	ADP
aijbms-280	97	9	research	research	NOUN
aijbms-280	97	10	.	.	PUNCT
aijbms-280	98	1	although	although	SCONJ
aijbms-280	98	2	gaining	gain	VERB
aijbms-280	98	3	knowledge	knowledge	NOUN
aijbms-280	98	4	through	through	ADP
aijbms-280	98	5	research	research	NOUN
aijbms-280	98	6	is	be	AUX
aijbms-280	98	7	valuable	valuable	ADJ
aijbms-280	98	8	,	,	PUNCT
aijbms-280	98	9	it	it	PRON
aijbms-280	98	10	should	should	AUX
aijbms-280	98	11	never	never	ADV
aijbms-280	98	12	be	be	AUX
aijbms-280	98	13	achieved	achieve	VERB
aijbms-280	98	14	at	at	ADP
aijbms-280	98	15	the	the	DET
aijbms-280	98	16	cost	cost	NOUN
aijbms-280	98	17	of	of	ADP
aijbms-280	98	18	violating	violate	VERB
aijbms-280	98	19	human	human	ADJ
aijbms-280	98	20	dignity	dignity	NOUN
aijbms-280	98	21	.	.	PUNCT
aijbms-280	99	1	in	in	ADP
aijbms-280	99	2	this	this	DET
aijbms-280	99	3	study	study	NOUN
aijbms-280	99	4	,	,	PUNCT
aijbms-280	99	5	the	the	DET
aijbms-280	99	6	researcher	researcher	NOUN
aijbms-280	99	7	utilized	utilize	VERB
aijbms-280	99	8	both	both	CCONJ
aijbms-280	99	9	personal	personal	ADJ
aijbms-280	99	10	and	and	CCONJ
aijbms-280	99	11	institutional	institutional	ADJ
aijbms-280	99	12	data	datum	NOUN
aijbms-280	99	13	with	with	ADP
aijbms-280	99	14	consideration	consideration	NOUN
aijbms-280	99	15	for	for	ADP
aijbms-280	99	16	ethical	ethical	ADJ
aijbms-280	99	17	considerations	consideration	NOUN
aijbms-280	99	18	.	.	PUNCT
aijbms-280	100	1	results	result	NOUN
aijbms-280	100	2	and	and	CCONJ
aijbms-280	100	3	discussions	discussion	NOUN
aijbms-280	100	4	socio	socio	NOUN
aijbms-280	100	5	-	-	PUNCT
aijbms-280	100	6	demographical	demographical	ADJ
aijbms-280	100	7	information	information	NOUN
aijbms-280	100	8	the	the	DET
aijbms-280	100	9	demographic	demographic	ADJ
aijbms-280	100	10	categories	category	NOUN
aijbms-280	100	11	relevant	relevant	ADJ
aijbms-280	100	12	to	to	ADP
aijbms-280	100	13	this	this	DET
aijbms-280	100	14	study	study	NOUN
aijbms-280	100	15	's	's	PART
aijbms-280	100	16	research	research	NOUN
aijbms-280	100	17	include	include	VERB
aijbms-280	100	18	gender	gender	NOUN
aijbms-280	100	19	,	,	PUNCT
aijbms-280	100	20	marital	marital	ADJ
aijbms-280	100	21	status	status	NOUN
aijbms-280	100	22	,	,	PUNCT
aijbms-280	100	23	age	age	NOUN
aijbms-280	100	24	,	,	PUNCT
aijbms-280	100	25	and	and	CCONJ
aijbms-280	100	26	the	the	DET
aijbms-280	100	27	level	level	NOUN
aijbms-280	100	28	of	of	ADP
aijbms-280	100	29	education	education	NOUN
aijbms-280	100	30	.	.	PUNCT
aijbms-280	101	1	table	table	NOUN
aijbms-280	101	2	1	1	NUM
aijbms-280	101	3	.	.	PUNCT
aijbms-280	102	1	gender	gender	NOUN
aijbms-280	102	2	,	,	PUNCT
aijbms-280	102	3	marital	marital	ADJ
aijbms-280	102	4	status	status	NOUN
aijbms-280	102	5	,	,	PUNCT
aijbms-280	102	6	age	age	NOUN
aijbms-280	102	7	,	,	PUNCT
aijbms-280	102	8	and	and	CCONJ
aijbms-280	102	9	level	level	NOUN
aijbms-280	102	10	of	of	ADP
aijbms-280	102	11	education	education	NOUN
aijbms-280	102	12	demography	demography	NOUN
aijbms-280	102	13	category	category	NOUN
aijbms-280	102	14	frequency	frequency	NOUN
aijbms-280	102	15	percentage	percentage	NOUN
aijbms-280	102	16	gender	gender	NOUN
aijbms-280	102	17	male	male	NOUN
aijbms-280	102	18	88	88	NUM
aijbms-280	102	19	73.3	73.3	NUM
aijbms-280	102	20	female	female	ADJ
aijbms-280	102	21	32	32	NUM
aijbms-280	102	22	26.7	26.7	NUM
aijbms-280	102	23	total	total	NOUN
aijbms-280	102	24	120	120	NUM
aijbms-280	102	25	100.0	100.0	NUM
aijbms-280	102	26	marital	marital	ADJ
aijbms-280	102	27	status	status	NOUN
aijbms-280	102	28	single	single	ADJ
aijbms-280	102	29	89	89	NUM
aijbms-280	102	30	74.2	74.2	NUM
aijbms-280	102	31	married	marry	VERB
aijbms-280	102	32	31	31	NUM
aijbms-280	102	33	25.8	25.8	NUM
aijbms-280	102	34	total	total	NOUN
aijbms-280	102	35	120	120	NUM
aijbms-280	102	36	100	100	NUM
aijbms-280	102	37	age	age	NOUN
aijbms-280	102	38	below	below	ADP
aijbms-280	102	39	18	18	NUM
aijbms-280	102	40	9	9	NUM
aijbms-280	102	41	7.5	7.5	NUM
aijbms-280	102	42	18	18	NUM
aijbms-280	102	43	-	-	SYM
aijbms-280	102	44	25	25	NUM
aijbms-280	102	45	73	73	NUM
aijbms-280	102	46	60.8	60.8	NUM
aijbms-280	102	47	25	25	NUM
aijbms-280	102	48	-	-	SYM
aijbms-280	102	49	35	35	NUM
aijbms-280	102	50	33	33	NUM
aijbms-280	102	51	27.5	27.5	NUM
aijbms-280	102	52	above	above	ADP
aijbms-280	102	53	40	40	NUM
aijbms-280	102	54	5	5	NUM
aijbms-280	102	55	4.2	4.2	NUM
aijbms-280	102	56	total	total	NOUN
aijbms-280	102	57	120	120	NUM
aijbms-280	102	58	100.0	100.0	NUM
aijbms-280	102	59	education	education	NOUN
aijbms-280	102	60	level	level	NOUN
aijbms-280	102	61	primary	primary	NOUN
aijbms-280	102	62	9	9	NUM
aijbms-280	102	63	7.5	7.5	NUM
aijbms-280	102	64	secondary	secondary	ADJ
aijbms-280	102	65	17	17	NUM
aijbms-280	102	66	14.2	14.2	NUM
aijbms-280	102	67	university	university	NOUN
aijbms-280	102	68	85	85	NUM
aijbms-280	102	69	70.8	70.8	NUM
aijbms-280	102	70	none	none	NOUN
aijbms-280	102	71	9	9	NUM
aijbms-280	102	72	7.5	7.5	NUM
aijbms-280	102	73	total	total	NOUN
aijbms-280	102	74	120	120	NUM
aijbms-280	102	75	100.0	100.0	NUM
aijbms-280	102	76	source	source	NOUN
aijbms-280	102	77	:	:	PUNCT
aijbms-280	102	78	primary	primary	ADJ
aijbms-280	102	79	data	datum	NOUN
aijbms-280	102	80	this	this	DET
aijbms-280	102	81	table	table	NOUN
aijbms-280	102	82	1	1	NUM
aijbms-280	102	83	reveals	reveal	VERB
aijbms-280	102	84	that	that	SCONJ
aijbms-280	102	85	73.3	73.3	NUM
aijbms-280	102	86	%	%	NOUN
aijbms-280	102	87	of	of	ADP
aijbms-280	102	88	respondents	respondent	NOUN
aijbms-280	102	89	are	be	AUX
aijbms-280	102	90	male	male	ADJ
aijbms-280	102	91	and	and	CCONJ
aijbms-280	102	92	26.7	26.7	NUM
aijbms-280	102	93	%	%	NOUN
aijbms-280	102	94	are	be	AUX
aijbms-280	102	95	female	female	ADJ
aijbms-280	102	96	,	,	PUNCT
aijbms-280	102	97	indicating	indicate	VERB
aijbms-280	102	98	that	that	SCONJ
aijbms-280	102	99	males	male	NOUN
aijbms-280	102	100	made	make	VERB
aijbms-280	102	101	up	up	ADP
aijbms-280	102	102	the	the	DET
aijbms-280	102	103	majority	majority	NOUN
aijbms-280	102	104	of	of	ADP
aijbms-280	102	105	those	those	PRON
aijbms-280	102	106	who	who	PRON
aijbms-280	102	107	responded	respond	VERB
aijbms-280	102	108	to	to	ADP
aijbms-280	102	109	the	the	DET
aijbms-280	102	110	poll	poll	NOUN
aijbms-280	102	111	while	while	SCONJ
aijbms-280	102	112	females	female	NOUN
aijbms-280	102	113	did	do	AUX
aijbms-280	102	114	n't	not	PART
aijbms-280	102	115	participate	participate	VERB
aijbms-280	102	116	as	as	ADP
aijbms-280	102	117	frequently	frequently	ADV
aijbms-280	102	118	.	.	PUNCT
aijbms-280	103	1	the	the	DET
aijbms-280	103	2	respondents	respondent	NOUN
aijbms-280	103	3	'	'	PART
aijbms-280	103	4	marital	marital	ADJ
aijbms-280	103	5	status	status	NOUN
aijbms-280	103	6	in	in	ADP
aijbms-280	103	7	contrast	contrast	NOUN
aijbms-280	103	8	,	,	PUNCT
aijbms-280	103	9	25.8	25.8	NUM
aijbms-280	103	10	%	%	NOUN
aijbms-280	103	11	of	of	ADP
aijbms-280	103	12	respondents	respondent	NOUN
aijbms-280	103	13	are	be	AUX
aijbms-280	103	14	married	married	ADJ
aijbms-280	103	15	,	,	PUNCT
aijbms-280	103	16	meaning	mean	VERB
aijbms-280	103	17	that	that	SCONJ
aijbms-280	103	18	74.2	74.2	NUM
aijbms-280	103	19	%	%	NOUN
aijbms-280	103	20	of	of	ADP
aijbms-280	103	21	respondents	respondent	NOUN
aijbms-280	103	22	are	be	AUX
aijbms-280	103	23	single	single	ADJ
aijbms-280	103	24	.	.	PUNCT
aijbms-280	104	1	majority	majority	NOUN
aijbms-280	104	2	of	of	ADP
aijbms-280	104	3	the	the	DET
aijbms-280	104	4	respondents	respondent	NOUN
aijbms-280	104	5	which	which	PRON
aijbms-280	104	6	are	be	AUX
aijbms-280	104	7	below	below	ADP
aijbms-280	104	8	18	18	NUM
aijbms-280	104	9	is	be	AUX
aijbms-280	104	10	7.7	7.7	NUM
aijbms-280	104	11	%	%	NOUN
aijbms-280	104	12	,	,	PUNCT
aijbms-280	104	13	age	age	NOUN
aijbms-280	104	14	between	between	ADP
aijbms-280	104	15	18	18	NUM
aijbms-280	104	16	-	-	SYM
aijbms-280	104	17	25	25	NUM
aijbms-280	104	18	is	be	AUX
aijbms-280	104	19	60.8	60.8	NUM
aijbms-280	104	20	%	%	NOUN
aijbms-280	104	21	that	that	PRON
aijbms-280	104	22	shows	show	VERB
aijbms-280	104	23	the	the	DET
aijbms-280	104	24	most	most	ADJ
aijbms-280	104	25	respondents	respondent	NOUN
aijbms-280	104	26	they	they	PRON
aijbms-280	104	27	are	be	AUX
aijbms-280	104	28	all	all	ADV
aijbms-280	104	29	most	most	ADJ
aijbms-280	104	30	18	18	NUM
aijbms-280	104	31	-	-	SYM
aijbms-280	104	32	25	25	NUM
aijbms-280	104	33	,	,	PUNCT
aijbms-280	104	34	also	also	ADV
aijbms-280	104	35	the	the	DET
aijbms-280	104	36	age	age	NOUN
aijbms-280	104	37	between	between	ADP
aijbms-280	104	38	25	25	NUM
aijbms-280	104	39	-	-	SYM
aijbms-280	104	40	35	35	NUM
aijbms-280	104	41	is	be	AUX
aijbms-280	104	42	the	the	DET
aijbms-280	104	43	second	second	ADJ
aijbms-280	104	44	highest	high	ADJ
aijbms-280	104	45	one	one	NUM
aijbms-280	104	46	and	and	CCONJ
aijbms-280	104	47	it	it	PRON
aijbms-280	104	48	shows	show	VERB
aijbms-280	104	49	that	that	PRON
aijbms-280	104	50	is	be	AUX
aijbms-280	104	51	27.5	27.5	NUM
aijbms-280	104	52	%	%	NOUN
aijbms-280	104	53	and	and	CCONJ
aijbms-280	104	54	age	age	NOUN
aijbms-280	104	55	above	above	ADP
aijbms-280	104	56	40	40	NUM
aijbms-280	104	57	is	be	AUX
aijbms-280	104	58	4.2	4.2	NUM
aijbms-280	104	59	%	%	NOUN
aijbms-280	104	60	that	that	PRON
aijbms-280	104	61	shows	show	VERB
aijbms-280	104	62	the	the	DET
aijbms-280	104	63	age	age	NOUN
aijbms-280	104	64	above	above	ADP
aijbms-280	104	65	40	40	NUM
aijbms-280	104	66	is	be	AUX
aijbms-280	104	67	the	the	DET
aijbms-280	104	68	least	least	ADJ
aijbms-280	104	69	of	of	ADP
aijbms-280	104	70	this	this	DET
aijbms-280	104	71	survey	survey	NOUN
aijbms-280	104	72	.	.	PUNCT
aijbms-280	105	1	the	the	DET
aijbms-280	105	2	majority	majority	NOUN
aijbms-280	105	3	of	of	ADP
aijbms-280	105	4	the	the	DET
aijbms-280	105	5	participants	participant	NOUN
aijbms-280	105	6	of	of	ADP
aijbms-280	105	7	the	the	DET
aijbms-280	105	8	research	research	NOUN
aijbms-280	105	9	are	be	AUX
aijbms-280	105	10	university	university	NOUN
aijbms-280	105	11	students	student	NOUN
aijbms-280	105	12	that	that	PRON
aijbms-280	105	13	accounted	account	VERB
aijbms-280	105	14	70.8	70.8	NUM
aijbms-280	105	15	%	%	NOUN
aijbms-280	105	16	,	,	PUNCT
aijbms-280	105	17	other	other	ADJ
aijbms-280	105	18	responders	responder	NOUN
aijbms-280	105	19	where	where	SCONJ
aijbms-280	105	20	secondary	secondary	ADJ
aijbms-280	105	21	students	student	NOUN
aijbms-280	105	22	are	be	AUX
aijbms-280	105	23	14.2	14.2	NUM
aijbms-280	105	24	%	%	NOUN
aijbms-280	105	25	and	and	CCONJ
aijbms-280	105	26	primary	primary	ADJ
aijbms-280	105	27	students	student	NOUN
aijbms-280	105	28	are	be	AUX
aijbms-280	105	29	7.5	7.5	NUM
aijbms-280	105	30	%	%	NOUN
aijbms-280	105	31	while	while	SCONJ
aijbms-280	105	32	the	the	DET
aijbms-280	105	33	respondents	respondent	NOUN
aijbms-280	105	34	that	that	PRON
aijbms-280	105	35	they	they	PRON
aijbms-280	105	36	have	have	VERB
aijbms-280	105	37	none	none	NOUN
aijbms-280	105	38	education	education	NOUN
aijbms-280	105	39	background	background	NOUN
aijbms-280	105	40	is	be	AUX
aijbms-280	105	41	7.5	7.5	NUM
aijbms-280	105	42	%	%	NOUN
aijbms-280	105	43	or	or	CCONJ
aijbms-280	105	44	in	in	ADP
aijbms-280	105	45	their	their	PRON
aijbms-280	105	46	life	life	NOUN
aijbms-280	105	47	did	do	AUX
aijbms-280	105	48	not	not	PART
aijbms-280	105	49	attend	attend	VERB
aijbms-280	105	50	any	any	DET
aijbms-280	105	51	academic	academic	ADJ
aijbms-280	105	52	level	level	NOUN
aijbms-280	105	53	are	be	AUX
aijbms-280	105	54	rare	rare	ADJ
aijbms-280	105	55	.and	.and	PUNCT
aijbms-280	106	1	this	this	PRON
aijbms-280	106	2	shows	show	VERB
aijbms-280	106	3	that	that	SCONJ
aijbms-280	106	4	the	the	DET
aijbms-280	106	5	primary	primary	ADJ
aijbms-280	106	6	students	student	NOUN
aijbms-280	106	7	and	and	CCONJ
aijbms-280	106	8	none	none	NOUN
aijbms-280	106	9	education	education	NOUN
aijbms-280	106	10	levels	level	NOUN
aijbms-280	106	11	they	they	PRON
aijbms-280	106	12	are	be	AUX
aijbms-280	106	13	same	same	ADJ
aijbms-280	106	14	.	.	PUNCT
aijbms-280	107	1	financial	financial	ADJ
aijbms-280	107	2	protection	protection	NOUN
aijbms-280	107	3	for	for	ADP
aijbms-280	107	4	low	low	ADJ
aijbms-280	107	5	-	-	PUNCT
aijbms-280	107	6	income	income	NOUN
aijbms-280	107	7	with	with	ADP
aijbms-280	107	8	micro	micro	ADJ
aijbms-280	107	9	insurance	insurance	NOUN
aijbms-280	107	10	table	table	NOUN
aijbms-280	107	11	2	2	NUM
aijbms-280	107	12	.	.	PUNCT
aijbms-280	107	13	micro	micro	PROPN
aijbms-280	107	14	insurance	insurance	PROPN
aijbms-280	107	15	serves	serve	VERB
aijbms-280	107	16	as	as	ADP
aijbms-280	107	17	a	a	DET
aijbms-280	107	18	safeguard	safeguard	NOUN
aijbms-280	107	19	against	against	ADP
aijbms-280	107	20	financial	financial	ADJ
aijbms-280	107	21	dangers	danger	NOUN
aijbms-280	107	22	that	that	PRON
aijbms-280	107	23	are	be	AUX
aijbms-280	107	24	encountered	encounter	VERB
aijbms-280	107	25	by	by	ADP
aijbms-280	107	26	individuals	individual	NOUN
aijbms-280	107	27	with	with	ADP
aijbms-280	107	28	limited	limited	ADJ
aijbms-280	107	29	financial	financial	ADJ
aijbms-280	107	30	means	mean	NOUN
aijbms-280	107	31	.	.	PUNCT
aijbms-280	108	1	indicator	indicator	PROPN
aijbms-280	108	2	frequency	frequency	NOUN
aijbms-280	108	3	percent	percent	NOUN
aijbms-280	108	4	strongly	strongly	ADV
aijbms-280	108	5	agree	agree	VERB
aijbms-280	108	6	48	48	NUM
aijbms-280	108	7	40	40	NUM
aijbms-280	108	8	%	%	NOUN
aijbms-280	108	9	agree	agree	VERB
aijbms-280	108	10	40	40	NUM
aijbms-280	108	11	33	33	NUM
aijbms-280	108	12	%	%	NOUN
aijbms-280	108	13	neutral	neutral	ADJ
aijbms-280	108	14	16	16	NUM
aijbms-280	108	15	13	13	NUM
aijbms-280	108	16	%	%	NOUN
aijbms-280	108	17	disagree	disagree	VERB
aijbms-280	108	18	9	9	NUM
aijbms-280	108	19	8	8	NUM
aijbms-280	108	20	%	%	NOUN
aijbms-280	108	21	strongly	strongly	ADV
aijbms-280	108	22	disagree	disagree	VERB
aijbms-280	108	23	7	7	NUM
aijbms-280	108	24	6	6	NUM
aijbms-280	108	25	%	%	NOUN
aijbms-280	108	26	total	total	NOUN
aijbms-280	108	27	120	120	NUM
aijbms-280	108	28	100	100	NUM
aijbms-280	108	29	source	source	NOUN
aijbms-280	108	30	:	:	PUNCT
aijbms-280	108	31	primary	primary	ADJ
aijbms-280	108	32	data	data	PROPN
aijbms-280	108	33	al	al	PROPN
aijbms-280	108	34	-	-	PUNCT
aijbms-280	108	35	imran	imran	PROPN
aijbms-280	108	36	et	et	PROPN
aijbms-280	108	37	al	al	PROPN
aijbms-280	108	38	.	.	PROPN
aijbms-280	108	39	,	,	PUNCT
aijbms-280	108	40	american	american	PROPN
aijbms-280	108	41	international	international	PROPN
aijbms-280	108	42	journal	journal	PROPN
aijbms-280	108	43	of	of	ADP
aijbms-280	108	44	business	business	NOUN
aijbms-280	108	45	and	and	CCONJ
aijbms-280	108	46	management	management	NOUN
aijbms-280	108	47	studies	study	NOUN
aijbms-280	108	48	4(1	4(1	NOUN
aijbms-280	108	49	)	)	PUNCT
aijbms-280	108	50	(	(	PUNCT
aijbms-280	108	51	2022	2022	NUM
aijbms-280	108	52	)	)	PUNCT
aijbms-280	108	53	,	,	PUNCT
aijbms-280	108	54	12	12	NUM
aijbms-280	108	55	-	-	SYM
aijbms-280	108	56	21	21	NUM
aijbms-280	108	57	16	16	NUM
aijbms-280	108	58	the	the	DET
aijbms-280	108	59	majority	majority	NOUN
aijbms-280	108	60	of	of	ADP
aijbms-280	108	61	the	the	DET
aijbms-280	108	62	respondents	respondent	NOUN
aijbms-280	108	63	(	(	PUNCT
aijbms-280	108	64	73	73	NUM
aijbms-280	108	65	%	%	NOUN
aijbms-280	108	66	)	)	PUNCT
aijbms-280	108	67	agreed	agree	VERB
aijbms-280	108	68	that	that	SCONJ
aijbms-280	108	69	micro	micro	PROPN
aijbms-280	108	70	insurance	insurance	NOUN
aijbms-280	108	71	serves	serve	VERB
aijbms-280	108	72	as	as	ADP
aijbms-280	108	73	a	a	DET
aijbms-280	108	74	safeguard	safeguard	NOUN
aijbms-280	108	75	against	against	ADP
aijbms-280	108	76	financial	financial	ADJ
aijbms-280	108	77	dangers	danger	NOUN
aijbms-280	108	78	that	that	PRON
aijbms-280	108	79	are	be	AUX
aijbms-280	108	80	encountered	encounter	VERB
aijbms-280	108	81	by	by	ADP
aijbms-280	108	82	individuals	individual	NOUN
aijbms-280	108	83	with	with	ADP
aijbms-280	108	84	limited	limited	ADJ
aijbms-280	108	85	financial	financial	ADJ
aijbms-280	108	86	means	mean	NOUN
aijbms-280	108	87	.	.	PUNCT
aijbms-280	109	1	40	40	NUM
aijbms-280	109	2	%	%	NOUN
aijbms-280	109	3	strongly	strongly	ADV
aijbms-280	109	4	agreed	agree	VERB
aijbms-280	109	5	,	,	PUNCT
aijbms-280	109	6	while	while	SCONJ
aijbms-280	109	7	33	33	NUM
aijbms-280	109	8	%	%	NOUN
aijbms-280	109	9	simply	simply	ADV
aijbms-280	109	10	agreed	agree	VERB
aijbms-280	109	11	.	.	PUNCT
aijbms-280	110	1	13	13	NUM
aijbms-280	110	2	%	%	NOUN
aijbms-280	110	3	of	of	ADP
aijbms-280	110	4	the	the	DET
aijbms-280	110	5	respondents	respondent	NOUN
aijbms-280	110	6	were	be	AUX
aijbms-280	110	7	neutral	neutral	ADJ
aijbms-280	110	8	,	,	PUNCT
aijbms-280	110	9	while	while	SCONJ
aijbms-280	110	10	8	8	NUM
aijbms-280	110	11	%	%	NOUN
aijbms-280	110	12	disagreed	disagree	VERB
aijbms-280	110	13	and	and	CCONJ
aijbms-280	110	14	6	6	NUM
aijbms-280	110	15	%	%	NOUN
aijbms-280	110	16	strongly	strongly	ADV
aijbms-280	110	17	disagreed	disagree	VERB
aijbms-280	110	18	,	,	PUNCT
aijbms-280	110	19	according	accord	VERB
aijbms-280	110	20	to	to	ADP
aijbms-280	110	21	the	the	DET
aijbms-280	110	22	above	above	ADJ
aijbms-280	110	23	table	table	NOUN
aijbms-280	110	24	2	2	NUM
aijbms-280	110	25	and	and	CCONJ
aijbms-280	110	26	below	below	ADP
aijbms-280	110	27	figure	figure	NOUN
aijbms-280	110	28	2	2	NUM
aijbms-280	110	29	.	.	PUNCT
aijbms-280	110	30	figure	figure	NOUN
aijbms-280	110	31	2	2	NUM
aijbms-280	110	32	.	.	PUNCT
aijbms-280	110	33	micro	micro	PROPN
aijbms-280	110	34	insurance	insurance	PROPN
aijbms-280	110	35	serves	serve	VERB
aijbms-280	110	36	as	as	ADP
aijbms-280	110	37	a	a	DET
aijbms-280	110	38	safeguard	safeguard	NOUN
aijbms-280	110	39	against	against	ADP
aijbms-280	110	40	financial	financial	ADJ
aijbms-280	110	41	dangers	danger	NOUN
aijbms-280	110	42	that	that	PRON
aijbms-280	110	43	are	be	AUX
aijbms-280	110	44	encountered	encounter	VERB
aijbms-280	110	45	by	by	ADP
aijbms-280	110	46	individuals	individual	NOUN
aijbms-280	110	47	with	with	ADP
aijbms-280	110	48	limited	limited	ADJ
aijbms-280	110	49	financial	financial	ADJ
aijbms-280	110	50	means	mean	NOUN
aijbms-280	110	51	.	.	PUNCT
aijbms-280	111	1	source	source	NOUN
aijbms-280	111	2	:	:	PUNCT
aijbms-280	111	3	primary	primary	ADJ
aijbms-280	111	4	data	datum	NOUN
aijbms-280	111	5	mitigating	mitigate	VERB
aijbms-280	111	6	risks	risk	NOUN
aijbms-280	111	7	and	and	CCONJ
aijbms-280	111	8	vulnerability	vulnerability	NOUN
aijbms-280	111	9	for	for	ADP
aijbms-280	111	10	low	low	ADJ
aijbms-280	111	11	-	-	PUNCT
aijbms-280	111	12	income	income	NOUN
aijbms-280	111	13	households	household	NOUN
aijbms-280	111	14	with	with	ADP
aijbms-280	111	15	micro	micro	ADJ
aijbms-280	111	16	insurance	insurance	NOUN
aijbms-280	111	17	table	table	NOUN
aijbms-280	111	18	3	3	NUM
aijbms-280	111	19	.	.	PUNCT
aijbms-280	111	20	micro	micro	PROPN
aijbms-280	111	21	insurance	insurance	PROPN
aijbms-280	111	22	serves	serve	VERB
aijbms-280	111	23	as	as	ADP
aijbms-280	111	24	a	a	DET
aijbms-280	111	25	means	means	NOUN
aijbms-280	111	26	to	to	PART
aijbms-280	111	27	reduce	reduce	VERB
aijbms-280	111	28	exposure	exposure	NOUN
aijbms-280	111	29	to	to	ADP
aijbms-280	111	30	hazards	hazard	NOUN
aijbms-280	111	31	and	and	CCONJ
aijbms-280	111	32	diminish	diminish	VERB
aijbms-280	111	33	the	the	DET
aijbms-280	111	34	fragility	fragility	NOUN
aijbms-280	111	35	of	of	ADP
aijbms-280	111	36	economically	economically	ADV
aijbms-280	111	37	disadvantaged	disadvantaged	ADJ
aijbms-280	111	38	households	household	NOUN
aijbms-280	111	39	.	.	PUNCT
aijbms-280	112	1	indicator	indicator	PROPN
aijbms-280	112	2	frequency	frequency	NOUN
aijbms-280	112	3	percent	percent	NOUN
aijbms-280	112	4	strongly	strongly	ADV
aijbms-280	112	5	agree	agree	VERB
aijbms-280	112	6	45	45	NUM
aijbms-280	112	7	37	37	NUM
aijbms-280	112	8	%	%	NOUN
aijbms-280	112	9	agree	agree	VERB
aijbms-280	112	10	42	42	NUM
aijbms-280	112	11	35	35	NUM
aijbms-280	112	12	%	%	NOUN
aijbms-280	112	13	neutral	neutral	ADJ
aijbms-280	112	14	17	17	NUM
aijbms-280	112	15	14	14	NUM
aijbms-280	112	16	%	%	NOUN
aijbms-280	112	17	disagree	disagree	VERB
aijbms-280	112	18	9	9	NUM
aijbms-280	112	19	8	8	NUM
aijbms-280	112	20	%	%	NOUN
aijbms-280	112	21	strongly	strongly	ADV
aijbms-280	112	22	disagree	disagree	VERB
aijbms-280	112	23	7	7	NUM
aijbms-280	112	24	6	6	NUM
aijbms-280	112	25	%	%	NOUN
aijbms-280	112	26	total	total	NOUN
aijbms-280	112	27	120	120	NUM
aijbms-280	112	28	100	100	NUM
aijbms-280	112	29	%	%	NOUN
aijbms-280	112	30	source	source	NOUN
aijbms-280	112	31	:	:	PUNCT
aijbms-280	112	32	primary	primary	ADJ
aijbms-280	112	33	data	datum	NOUN
aijbms-280	112	34	the	the	DET
aijbms-280	112	35	majority	majority	NOUN
aijbms-280	112	36	of	of	ADP
aijbms-280	112	37	the	the	DET
aijbms-280	112	38	respondents	respondent	NOUN
aijbms-280	112	39	(	(	PUNCT
aijbms-280	112	40	72	72	NUM
aijbms-280	112	41	%	%	NOUN
aijbms-280	112	42	)	)	PUNCT
aijbms-280	112	43	agreed	agree	VERB
aijbms-280	112	44	that	that	SCONJ
aijbms-280	112	45	micro	micro	PROPN
aijbms-280	112	46	insurance	insurance	NOUN
aijbms-280	112	47	serves	serve	VERB
aijbms-280	112	48	as	as	ADP
aijbms-280	112	49	a	a	DET
aijbms-280	112	50	means	means	NOUN
aijbms-280	112	51	to	to	PART
aijbms-280	112	52	reduce	reduce	VERB
aijbms-280	112	53	exposure	exposure	NOUN
aijbms-280	112	54	to	to	ADP
aijbms-280	112	55	hazards	hazard	NOUN
aijbms-280	112	56	and	and	CCONJ
aijbms-280	112	57	diminish	diminish	VERB
aijbms-280	112	58	the	the	DET
aijbms-280	112	59	fragility	fragility	NOUN
aijbms-280	112	60	of	of	ADP
aijbms-280	112	61	economically	economically	ADV
aijbms-280	112	62	disadvantaged	disadvantaged	ADJ
aijbms-280	112	63	households	household	NOUN
aijbms-280	112	64	.	.	PUNCT
aijbms-280	113	1	38	38	NUM
aijbms-280	113	2	%	%	NOUN
aijbms-280	113	3	strongly	strongly	ADV
aijbms-280	113	4	agreed	agree	VERB
aijbms-280	113	5	,	,	PUNCT
aijbms-280	113	6	while	while	SCONJ
aijbms-280	113	7	35	35	NUM
aijbms-280	113	8	%	%	NOUN
aijbms-280	113	9	simply	simply	ADV
aijbms-280	113	10	agreed	agree	VERB
aijbms-280	113	11	.	.	PUNCT
aijbms-280	114	1	14	14	NUM
aijbms-280	114	2	%	%	NOUN
aijbms-280	114	3	of	of	ADP
aijbms-280	114	4	the	the	DET
aijbms-280	114	5	respondents	respondent	NOUN
aijbms-280	114	6	were	be	AUX
aijbms-280	114	7	neutral	neutral	ADJ
aijbms-280	114	8	,	,	PUNCT
aijbms-280	114	9	while	while	SCONJ
aijbms-280	114	10	8	8	NUM
aijbms-280	114	11	%	%	NOUN
aijbms-280	114	12	disagreed	disagree	VERB
aijbms-280	114	13	and	and	CCONJ
aijbms-280	114	14	6	6	NUM
aijbms-280	114	15	%	%	NOUN
aijbms-280	114	16	strongly	strongly	ADV
aijbms-280	114	17	disagreed	disagree	VERB
aijbms-280	114	18	,	,	PUNCT
aijbms-280	114	19	according	accord	VERB
aijbms-280	114	20	to	to	ADP
aijbms-280	114	21	the	the	DET
aijbms-280	114	22	above	above	ADJ
aijbms-280	114	23	table	table	NOUN
aijbms-280	114	24	3	3	NUM
aijbms-280	114	25	and	and	CCONJ
aijbms-280	114	26	below	below	ADP
aijbms-280	114	27	figure	figure	NOUN
aijbms-280	114	28	3	3	NUM
aijbms-280	114	29	.	.	PUNCT
aijbms-280	114	30	figure	figure	VERB
aijbms-280	114	31	3	3	NUM
aijbms-280	114	32	.	.	PUNCT
aijbms-280	114	33	micro	micro	PROPN
aijbms-280	114	34	insurance	insurance	PROPN
aijbms-280	114	35	serves	serve	VERB
aijbms-280	114	36	as	as	ADP
aijbms-280	114	37	a	a	DET
aijbms-280	114	38	means	means	NOUN
aijbms-280	114	39	to	to	PART
aijbms-280	114	40	reduce	reduce	VERB
aijbms-280	114	41	exposure	exposure	NOUN
aijbms-280	114	42	to	to	ADP
aijbms-280	114	43	hazards	hazard	NOUN
aijbms-280	114	44	and	and	CCONJ
aijbms-280	114	45	diminish	diminish	VERB
aijbms-280	114	46	the	the	DET
aijbms-280	114	47	fragility	fragility	NOUN
aijbms-280	114	48	of	of	ADP
aijbms-280	114	49	economically	economically	ADV
aijbms-280	114	50	disadvantaged	disadvantaged	ADJ
aijbms-280	114	51	households	household	NOUN
aijbms-280	114	52	.	.	PUNCT
aijbms-280	115	1	source	source	NOUN
aijbms-280	115	2	:	:	PUNCT
aijbms-280	115	3	primary	primary	ADJ
aijbms-280	115	4	data	data	PROPN
aijbms-280	115	5	micro	micro	PROPN
aijbms-280	115	6	insurance	insurance	PROPN
aijbms-280	115	7	increases	increase	VERB
aijbms-280	115	8	creditworthiness	creditworthiness	ADJ
aijbms-280	115	9	table	table	NOUN
aijbms-280	115	10	4	4	NUM
aijbms-280	115	11	.	.	PUNCT
aijbms-280	115	12	micro	micro	ADJ
aijbms-280	115	13	insurance	insurance	NOUN
aijbms-280	115	14	increases	increase	VERB
aijbms-280	115	15	creditworthiness	creditworthiness	PROPN
aijbms-280	115	16	indicator	indicator	PROPN
aijbms-280	115	17	frequency	frequency	NOUN
aijbms-280	115	18	percent	percent	NOUN
aijbms-280	115	19	strongly	strongly	ADV
aijbms-280	115	20	agree	agree	VERB
aijbms-280	115	21	50	50	NUM
aijbms-280	115	22	42	42	NUM
aijbms-280	115	23	%	%	NOUN
aijbms-280	115	24	agree	agree	VERB
aijbms-280	115	25	39	39	NUM
aijbms-280	115	26	33	33	NUM
aijbms-280	115	27	%	%	NOUN
aijbms-280	115	28	neutral	neutral	ADJ
aijbms-280	115	29	16	16	NUM
aijbms-280	115	30	13	13	NUM
aijbms-280	115	31	%	%	NOUN
aijbms-280	115	32	disagree	disagree	VERB
aijbms-280	115	33	10	10	NUM
aijbms-280	115	34	8	8	NUM
aijbms-280	115	35	%	%	NOUN
aijbms-280	115	36	strongly	strongly	ADV
aijbms-280	115	37	disagree	disagree	VERB
aijbms-280	115	38	5	5	NUM
aijbms-280	115	39	4	4	NUM
aijbms-280	115	40	%	%	NOUN
aijbms-280	115	41	total	total	NOUN
aijbms-280	115	42	120	120	NUM
aijbms-280	115	43	100	100	NUM
aijbms-280	115	44	source	source	NOUN
aijbms-280	115	45	:	:	PUNCT
aijbms-280	115	46	primary	primary	ADJ
aijbms-280	115	47	data	data	PROPN
aijbms-280	115	48	al	al	PROPN
aijbms-280	115	49	-	-	PUNCT
aijbms-280	115	50	imran	imran	PROPN
aijbms-280	115	51	et	et	PROPN
aijbms-280	115	52	al	al	PROPN
aijbms-280	115	53	.	.	PROPN
aijbms-280	115	54	,	,	PUNCT
aijbms-280	115	55	american	american	PROPN
aijbms-280	115	56	international	international	PROPN
aijbms-280	115	57	journal	journal	PROPN
aijbms-280	115	58	of	of	ADP
aijbms-280	115	59	business	business	NOUN
aijbms-280	115	60	and	and	CCONJ
aijbms-280	115	61	management	management	NOUN
aijbms-280	115	62	studies	study	NOUN
aijbms-280	115	63	4(1	4(1	NOUN
aijbms-280	115	64	)	)	PUNCT
aijbms-280	115	65	(	(	PUNCT
aijbms-280	115	66	2022	2022	NUM
aijbms-280	115	67	)	)	PUNCT
aijbms-280	115	68	,	,	PUNCT
aijbms-280	115	69	12	12	NUM
aijbms-280	115	70	-	-	SYM
aijbms-280	115	71	21	21	NUM
aijbms-280	115	72	17	17	NUM
aijbms-280	115	73	the	the	DET
aijbms-280	115	74	majority	majority	NOUN
aijbms-280	115	75	of	of	ADP
aijbms-280	115	76	the	the	DET
aijbms-280	115	77	respondents	respondent	NOUN
aijbms-280	115	78	(	(	PUNCT
aijbms-280	115	79	75	75	NUM
aijbms-280	115	80	%	%	NOUN
aijbms-280	115	81	)	)	PUNCT
aijbms-280	115	82	agreed	agree	VERB
aijbms-280	115	83	that	that	SCONJ
aijbms-280	115	84	micro	micro	PROPN
aijbms-280	115	85	insurance	insurance	NOUN
aijbms-280	115	86	increases	increase	VERB
aijbms-280	115	87	creditworthiness	creditworthiness	NOUN
aijbms-280	115	88	.	.	PUNCT
aijbms-280	116	1	42	42	NUM
aijbms-280	116	2	%	%	NOUN
aijbms-280	116	3	strongly	strongly	ADV
aijbms-280	116	4	agreed	agree	VERB
aijbms-280	116	5	,	,	PUNCT
aijbms-280	116	6	while	while	SCONJ
aijbms-280	116	7	33	33	NUM
aijbms-280	116	8	%	%	NOUN
aijbms-280	116	9	simply	simply	ADV
aijbms-280	116	10	agreed	agree	VERB
aijbms-280	116	11	.	.	PUNCT
aijbms-280	117	1	13	13	NUM
aijbms-280	117	2	%	%	NOUN
aijbms-280	117	3	of	of	ADP
aijbms-280	117	4	the	the	DET
aijbms-280	117	5	respondents	respondent	NOUN
aijbms-280	117	6	were	be	AUX
aijbms-280	117	7	neutral	neutral	ADJ
aijbms-280	117	8	,	,	PUNCT
aijbms-280	117	9	while	while	SCONJ
aijbms-280	117	10	8	8	NUM
aijbms-280	117	11	%	%	NOUN
aijbms-280	117	12	disagreed	disagree	VERB
aijbms-280	117	13	and	and	CCONJ
aijbms-280	117	14	4	4	NUM
aijbms-280	117	15	%	%	NOUN
aijbms-280	117	16	strongly	strongly	ADV
aijbms-280	117	17	disagreed	disagree	VERB
aijbms-280	117	18	,	,	PUNCT
aijbms-280	117	19	according	accord	VERB
aijbms-280	117	20	to	to	ADP
aijbms-280	117	21	the	the	DET
aijbms-280	117	22	above	above	ADJ
aijbms-280	117	23	table	table	NOUN
aijbms-280	117	24	4	4	NUM
aijbms-280	117	25	and	and	CCONJ
aijbms-280	117	26	below	below	ADP
aijbms-280	117	27	figure	figure	NOUN
aijbms-280	117	28	4	4	NUM
aijbms-280	117	29	.	.	PUNCT
aijbms-280	117	30	figure	figure	VERB
aijbms-280	117	31	4	4	NUM
aijbms-280	117	32	.	.	PUNCT
aijbms-280	117	33	micro	micro	ADJ
aijbms-280	117	34	insurance	insurance	PROPN
aijbms-280	117	35	increases	increase	VERB
aijbms-280	117	36	creditworthiness	creditworthiness	PROPN
aijbms-280	117	37	source	source	PROPN
aijbms-280	117	38	:	:	PUNCT
aijbms-280	117	39	primary	primary	ADJ
aijbms-280	117	40	data	datum	NOUN
aijbms-280	117	41	combating	combat	VERB
aijbms-280	117	42	poverty	poverty	NOUN
aijbms-280	117	43	with	with	ADP
aijbms-280	117	44	micro	micro	ADJ
aijbms-280	117	45	insurance	insurance	NOUN
aijbms-280	117	46	for	for	ADP
aijbms-280	117	47	financial	financial	ADJ
aijbms-280	117	48	support	support	NOUN
aijbms-280	117	49	in	in	ADP
aijbms-280	117	50	disasters	disaster	NOUN
aijbms-280	117	51	table	table	NOUN
aijbms-280	117	52	5	5	NUM
aijbms-280	117	53	.	.	PUNCT
aijbms-280	117	54	micro	micro	ADJ
aijbms-280	117	55	insurance	insurance	PROPN
aijbms-280	117	56	helps	help	VERB
aijbms-280	117	57	alleviate	alleviate	VERB
aijbms-280	117	58	poverty	poverty	NOUN
aijbms-280	117	59	by	by	ADP
aijbms-280	117	60	offering	offer	VERB
aijbms-280	117	61	financial	financial	ADJ
aijbms-280	117	62	assistance	assistance	NOUN
aijbms-280	117	63	to	to	ADP
aijbms-280	117	64	those	those	PRON
aijbms-280	117	65	in	in	ADP
aijbms-280	117	66	need	need	NOUN
aijbms-280	117	67	during	during	ADP
aijbms-280	117	68	unexpected	unexpected	ADJ
aijbms-280	117	69	events	event	NOUN
aijbms-280	117	70	,	,	PUNCT
aijbms-280	117	71	thereby	thereby	ADV
aijbms-280	117	72	alleviating	alleviate	VERB
aijbms-280	117	73	their	their	PRON
aijbms-280	117	74	financial	financial	ADJ
aijbms-280	117	75	stress	stress	NOUN
aijbms-280	117	76	.	.	PUNCT
aijbms-280	118	1	indicator	indicator	PROPN
aijbms-280	118	2	frequency	frequency	NOUN
aijbms-280	118	3	percent	percent	NOUN
aijbms-280	118	4	strongly	strongly	ADV
aijbms-280	118	5	agree	agree	VERB
aijbms-280	118	6	53	53	NUM
aijbms-280	118	7	44	44	NUM
aijbms-280	118	8	%	%	NOUN
aijbms-280	118	9	agree	agree	VERB
aijbms-280	118	10	35	35	NUM
aijbms-280	118	11	29	29	NUM
aijbms-280	118	12	%	%	NOUN
aijbms-280	118	13	neutral	neutral	ADJ
aijbms-280	118	14	20	20	NUM
aijbms-280	118	15	17	17	NUM
aijbms-280	118	16	%	%	NOUN
aijbms-280	118	17	disagree	disagree	VERB
aijbms-280	118	18	7	7	NUM
aijbms-280	118	19	6	6	NUM
aijbms-280	118	20	%	%	NOUN
aijbms-280	118	21	strongly	strongly	ADV
aijbms-280	118	22	disagree	disagree	VERB
aijbms-280	118	23	5	5	NUM
aijbms-280	118	24	4	4	NUM
aijbms-280	118	25	%	%	NOUN
aijbms-280	118	26	total	total	NOUN
aijbms-280	118	27	120	120	NUM
aijbms-280	118	28	100	100	NUM
aijbms-280	118	29	source	source	NOUN
aijbms-280	118	30	:	:	PUNCT
aijbms-280	118	31	primary	primary	ADJ
aijbms-280	118	32	data	datum	NOUN
aijbms-280	118	33	the	the	DET
aijbms-280	118	34	majority	majority	NOUN
aijbms-280	118	35	of	of	ADP
aijbms-280	118	36	the	the	DET
aijbms-280	118	37	respondents	respondent	NOUN
aijbms-280	118	38	(	(	PUNCT
aijbms-280	118	39	73	73	NUM
aijbms-280	118	40	%	%	NOUN
aijbms-280	118	41	)	)	PUNCT
aijbms-280	118	42	agreed	agree	VERB
aijbms-280	118	43	that	that	SCONJ
aijbms-280	118	44	micro	micro	PROPN
aijbms-280	118	45	insurance	insurance	NOUN
aijbms-280	118	46	helps	helps	AUX
aijbms-280	118	47	alleviate	alleviate	VERB
aijbms-280	118	48	poverty	poverty	NOUN
aijbms-280	118	49	by	by	ADP
aijbms-280	118	50	offering	offer	VERB
aijbms-280	118	51	financial	financial	ADJ
aijbms-280	118	52	assistance	assistance	NOUN
aijbms-280	118	53	to	to	ADP
aijbms-280	118	54	those	those	PRON
aijbms-280	118	55	in	in	ADP
aijbms-280	118	56	need	need	NOUN
aijbms-280	118	57	during	during	ADP
aijbms-280	118	58	unexpected	unexpected	ADJ
aijbms-280	118	59	events	event	NOUN
aijbms-280	118	60	,	,	PUNCT
aijbms-280	118	61	thereby	thereby	ADV
aijbms-280	118	62	alleviating	alleviate	VERB
aijbms-280	118	63	their	their	PRON
aijbms-280	118	64	financial	financial	ADJ
aijbms-280	118	65	stress	stress	NOUN
aijbms-280	118	66	.	.	PUNCT
aijbms-280	119	1	44	44	NUM
aijbms-280	119	2	%	%	NOUN
aijbms-280	119	3	strongly	strongly	ADV
aijbms-280	119	4	agreed	agree	VERB
aijbms-280	119	5	,	,	PUNCT
aijbms-280	119	6	while	while	SCONJ
aijbms-280	119	7	29	29	NUM
aijbms-280	119	8	%	%	NOUN
aijbms-280	119	9	simply	simply	ADV
aijbms-280	119	10	agreed	agree	VERB
aijbms-280	119	11	.	.	PUNCT
aijbms-280	120	1	17	17	NUM
aijbms-280	120	2	%	%	NOUN
aijbms-280	120	3	of	of	ADP
aijbms-280	120	4	the	the	DET
aijbms-280	120	5	respondents	respondent	NOUN
aijbms-280	120	6	were	be	AUX
aijbms-280	120	7	neutral	neutral	ADJ
aijbms-280	120	8	,	,	PUNCT
aijbms-280	120	9	while	while	SCONJ
aijbms-280	120	10	6	6	NUM
aijbms-280	120	11	%	%	NOUN
aijbms-280	120	12	disagreed	disagree	VERB
aijbms-280	120	13	and	and	CCONJ
aijbms-280	120	14	4	4	NUM
aijbms-280	120	15	%	%	NOUN
aijbms-280	120	16	strongly	strongly	ADV
aijbms-280	120	17	disagreed	disagree	VERB
aijbms-280	120	18	,	,	PUNCT
aijbms-280	120	19	according	accord	VERB
aijbms-280	120	20	to	to	ADP
aijbms-280	120	21	the	the	DET
aijbms-280	120	22	above	above	ADJ
aijbms-280	120	23	table	table	NOUN
aijbms-280	120	24	5	5	NUM
aijbms-280	120	25	and	and	CCONJ
aijbms-280	120	26	below	below	ADP
aijbms-280	120	27	figure	figure	NOUN
aijbms-280	120	28	5	5	NUM
aijbms-280	120	29	.	.	PUNCT
aijbms-280	120	30	figure	figure	NOUN
aijbms-280	120	31	5	5	NUM
aijbms-280	120	32	.	.	PUNCT
aijbms-280	120	33	micro	micro	ADJ
aijbms-280	120	34	insurance	insurance	PROPN
aijbms-280	120	35	helps	help	VERB
aijbms-280	120	36	alleviate	alleviate	VERB
aijbms-280	120	37	poverty	poverty	NOUN
aijbms-280	120	38	by	by	ADP
aijbms-280	120	39	offering	offer	VERB
aijbms-280	120	40	financial	financial	ADJ
aijbms-280	120	41	assistance	assistance	NOUN
aijbms-280	120	42	to	to	ADP
aijbms-280	120	43	those	those	PRON
aijbms-280	120	44	in	in	ADP
aijbms-280	120	45	need	need	NOUN
aijbms-280	120	46	during	during	ADP
aijbms-280	120	47	unexpected	unexpected	ADJ
aijbms-280	120	48	events	event	NOUN
aijbms-280	120	49	,	,	PUNCT
aijbms-280	120	50	thereby	thereby	ADV
aijbms-280	120	51	alleviating	alleviate	VERB
aijbms-280	120	52	their	their	PRON
aijbms-280	120	53	financial	financial	ADJ
aijbms-280	120	54	stress	stress	NOUN
aijbms-280	120	55	.	.	PUNCT
aijbms-280	121	1	source	source	NOUN
aijbms-280	121	2	:	:	PUNCT
aijbms-280	121	3	primary	primary	ADJ
aijbms-280	121	4	data	datum	NOUN
aijbms-280	121	5	conclusions	conclusion	NOUN
aijbms-280	121	6	the	the	DET
aijbms-280	121	7	following	follow	VERB
aijbms-280	121	8	recommendations	recommendation	NOUN
aijbms-280	121	9	for	for	ADP
aijbms-280	121	10	policy	policy	NOUN
aijbms-280	121	11	can	can	AUX
aijbms-280	121	12	be	be	AUX
aijbms-280	121	13	made	make	VERB
aijbms-280	121	14	based	base	VERB
aijbms-280	121	15	on	on	ADP
aijbms-280	121	16	the	the	DET
aijbms-280	121	17	study	study	NOUN
aijbms-280	121	18	's	's	PART
aijbms-280	121	19	findings	finding	NOUN
aijbms-280	121	20	on	on	ADP
aijbms-280	121	21	the	the	DET
aijbms-280	121	22	evaluation	evaluation	NOUN
aijbms-280	121	23	of	of	ADP
aijbms-280	121	24	micro	micro	ADJ
aijbms-280	121	25	insurance	insurance	NOUN
aijbms-280	121	26	as	as	ADP
aijbms-280	121	27	a	a	DET
aijbms-280	121	28	developing	develop	VERB
aijbms-280	121	29	kind	kind	NOUN
aijbms-280	121	30	of	of	ADP
aijbms-280	121	31	micro	micro	ADJ
aijbms-280	121	32	lending	lending	NOUN
aijbms-280	121	33	for	for	ADP
aijbms-280	121	34	the	the	DET
aijbms-280	121	35	underprivileged	underprivileged	ADJ
aijbms-280	121	36	in	in	ADP
aijbms-280	121	37	somalia	somalia	PROPN
aijbms-280	121	38	:	:	PUNCT
aijbms-280	121	39			PROPN
aijbms-280	121	40	financial	financial	ADJ
aijbms-280	121	41	literacy	literacy	NOUN
aijbms-280	121	42	promotion	promotion	NOUN
aijbms-280	121	43	:	:	PUNCT
aijbms-280	121	44	it	it	PRON
aijbms-280	121	45	's	be	AUX
aijbms-280	121	46	crucial	crucial	ADJ
aijbms-280	121	47	to	to	PART
aijbms-280	121	48	encourage	encourage	VERB
aijbms-280	121	49	financial	financial	ADJ
aijbms-280	121	50	literacy	literacy	NOUN
aijbms-280	121	51	among	among	ADP
aijbms-280	121	52	the	the	DET
aijbms-280	121	53	underprivileged	underprivileged	ADJ
aijbms-280	121	54	in	in	ADP
aijbms-280	121	55	order	order	NOUN
aijbms-280	121	56	to	to	PART
aijbms-280	121	57	guarantee	guarantee	VERB
aijbms-280	121	58	the	the	DET
aijbms-280	121	59	adoption	adoption	NOUN
aijbms-280	121	60	of	of	ADP
aijbms-280	121	61	micro	micro	ADJ
aijbms-280	121	62	insurance	insurance	NOUN
aijbms-280	121	63	.	.	PUNCT
aijbms-280	122	1	this	this	PRON
aijbms-280	122	2	can	can	AUX
aijbms-280	122	3	be	be	AUX
aijbms-280	122	4	accomplished	accomplish	VERB
aijbms-280	122	5	by	by	ADP
aijbms-280	122	6	developing	develop	VERB
aijbms-280	122	7	awareness	awareness	NOUN
aijbms-280	122	8	campaigns	campaign	NOUN
aijbms-280	122	9	,	,	PUNCT
aijbms-280	122	10	financial	financial	ADJ
aijbms-280	122	11	education	education	NOUN
aijbms-280	122	12	initiatives	initiative	NOUN
aijbms-280	122	13	,	,	PUNCT
aijbms-280	122	14	and	and	CCONJ
aijbms-280	122	15	accessible	accessible	ADJ
aijbms-280	122	16	resources	resource	NOUN
aijbms-280	122	17	on	on	ADP
aijbms-280	122	18	micro	micro	ADJ
aijbms-280	122	19	insurance	insurance	NOUN
aijbms-280	122	20	goods	good	NOUN
aijbms-280	122	21	and	and	CCONJ
aijbms-280	122	22	services	service	NOUN
aijbms-280	122	23	.	.	PUNCT
aijbms-280	123	1			VERB
aijbms-280	123	2	promoting	promote	VERB
aijbms-280	123	3	public	public	ADJ
aijbms-280	123	4	-	-	PUNCT
aijbms-280	123	5	private	private	ADJ
aijbms-280	123	6	collaborations	collaboration	NOUN
aijbms-280	123	7	:	:	PUNCT
aijbms-280	123	8	together	together	ADV
aijbms-280	123	9	,	,	PUNCT
aijbms-280	123	10	the	the	DET
aijbms-280	123	11	public	public	ADJ
aijbms-280	123	12	and	and	CCONJ
aijbms-280	123	13	private	private	ADJ
aijbms-280	123	14	sectors	sector	NOUN
aijbms-280	123	15	may	may	AUX
aijbms-280	123	16	build	build	VERB
aijbms-280	123	17	an	an	DET
aijbms-280	123	18	environment	environment	NOUN
aijbms-280	123	19	that	that	PRON
aijbms-280	123	20	fosters	foster	VERB
aijbms-280	123	21	micro	micro	PROPN
aijbms-280	123	22	insurance	insurance	NOUN
aijbms-280	123	23	’s	’s	PART
aijbms-280	123	24	expansion	expansion	NOUN
aijbms-280	123	25	and	and	CCONJ
aijbms-280	123	26	uptake	uptake	ADJ
aijbms-280	123	27	,	,	PUNCT
aijbms-280	123	28	lowering	lower	VERB
aijbms-280	123	29	the	the	DET
aijbms-280	123	30	vulnerability	vulnerability	NOUN
aijbms-280	123	31	of	of	ADP
aijbms-280	123	32	low	low	ADJ
aijbms-280	123	33	-	-	PUNCT
aijbms-280	123	34	income	income	NOUN
aijbms-280	123	35	households	household	NOUN
aijbms-280	123	36	and	and	CCONJ
aijbms-280	123	37	fostering	foster	VERB
aijbms-280	123	38	financial	financial	ADJ
aijbms-280	123	39	stability	stability	NOUN
aijbms-280	123	40	.	.	PUNCT
aijbms-280	124	1			AUX
aijbms-280	124	2	supporting	support	VERB
aijbms-280	124	3	microfinance	microfinance	NOUN
aijbms-280	124	4	organizations	organization	NOUN
aijbms-280	124	5	:	:	PUNCT
aijbms-280	124	6	microfinance	microfinance	NOUN
aijbms-280	124	7	organizations	organization	NOUN
aijbms-280	124	8	are	be	AUX
aijbms-280	124	9	essential	essential	ADJ
aijbms-280	124	10	to	to	ADP
aijbms-280	124	11	the	the	DET
aijbms-280	124	12	poor	poor	ADJ
aijbms-280	124	13	people	people	NOUN
aijbms-280	124	14	's	's	PART
aijbms-280	124	15	access	access	NOUN
aijbms-280	124	16	to	to	ADP
aijbms-280	124	17	micro	micro	NOUN
aijbms-280	124	18	insurance	insurance	NOUN
aijbms-280	124	19	services	service	NOUN
aijbms-280	124	20	.	.	PUNCT
aijbms-280	125	1	to	to	PART
aijbms-280	125	2	increase	increase	VERB
aijbms-280	125	3	these	these	DET
aijbms-280	125	4	organizations	organization	NOUN
aijbms-280	125	5	'	'	PART
aijbms-280	125	6	capacity	capacity	NOUN
aijbms-280	125	7	to	to	PART
aijbms-280	125	8	offer	offer	VERB
aijbms-280	125	9	micro	micro	ADJ
aijbms-280	125	10	insurance	insurance	NOUN
aijbms-280	125	11	products	product	NOUN
aijbms-280	125	12	and	and	CCONJ
aijbms-280	125	13	services	service	NOUN
aijbms-280	125	14	,	,	PUNCT
aijbms-280	125	15	the	the	DET
aijbms-280	125	16	government	government	NOUN
aijbms-280	125	17	should	should	AUX
aijbms-280	125	18	help	help	VERB
aijbms-280	125	19	them	they	PRON
aijbms-280	125	20	financially	financially	ADV
aijbms-280	125	21	and	and	CCONJ
aijbms-280	125	22	technically	technically	ADV
aijbms-280	125	23	.	.	PUNCT
aijbms-280	126	1	al	al	PROPN
aijbms-280	126	2	-	-	PUNCT
aijbms-280	126	3	imran	imran	PROPN
aijbms-280	126	4	et	et	PROPN
aijbms-280	126	5	al	al	PROPN
aijbms-280	126	6	.	.	PROPN
aijbms-280	126	7	,	,	PUNCT
aijbms-280	126	8	american	american	PROPN
aijbms-280	126	9	international	international	PROPN
aijbms-280	126	10	journal	journal	PROPN
aijbms-280	126	11	of	of	ADP
aijbms-280	126	12	business	business	NOUN
aijbms-280	126	13	and	and	CCONJ
aijbms-280	126	14	management	management	NOUN
aijbms-280	126	15	studies	study	NOUN
aijbms-280	126	16	4(1	4(1	NOUN
aijbms-280	126	17	)	)	PUNCT
aijbms-280	126	18	(	(	PUNCT
aijbms-280	126	19	2022	2022	NUM
aijbms-280	126	20	)	)	PUNCT
aijbms-280	126	21	,	,	PUNCT
aijbms-280	126	22	12	12	NUM
aijbms-280	126	23	-	-	SYM
aijbms-280	126	24	21	21	NUM
aijbms-280	126	25	18	18	NUM
aijbms-280	126	26			NOUN
aijbms-280	126	27	monitoring	monitoring	NOUN
aijbms-280	126	28	and	and	CCONJ
aijbms-280	126	29	assessment	assessment	NOUN
aijbms-280	126	30	:	:	PUNCT
aijbms-280	126	31	to	to	PART
aijbms-280	126	32	ensure	ensure	VERB
aijbms-280	126	33	the	the	DET
aijbms-280	126	34	sustainability	sustainability	NOUN
aijbms-280	126	35	and	and	CCONJ
aijbms-280	126	36	efficacy	efficacy	NOUN
aijbms-280	126	37	of	of	ADP
aijbms-280	126	38	micro	micro	PROPN
aijbms-280	126	39	insurance	insurance	NOUN
aijbms-280	126	40	,	,	PUNCT
aijbms-280	126	41	regular	regular	ADJ
aijbms-280	126	42	monitoring	monitoring	NOUN
aijbms-280	126	43	and	and	CCONJ
aijbms-280	126	44	evaluation	evaluation	NOUN
aijbms-280	126	45	of	of	ADP
aijbms-280	126	46	its	its	PRON
aijbms-280	126	47	effects	effect	NOUN
aijbms-280	126	48	on	on	ADP
aijbms-280	126	49	the	the	DET
aijbms-280	126	50	poor	poor	ADJ
aijbms-280	126	51	is	be	AUX
aijbms-280	126	52	crucial	crucial	ADJ
aijbms-280	126	53	.	.	PUNCT
aijbms-280	127	1	the	the	DET
aijbms-280	127	2	government	government	NOUN
aijbms-280	127	3	should	should	AUX
aijbms-280	127	4	develop	develop	VERB
aijbms-280	127	5	a	a	DET
aijbms-280	127	6	framework	framework	NOUN
aijbms-280	127	7	for	for	ADP
aijbms-280	127	8	monitoring	monitor	VERB
aijbms-280	127	9	the	the	DET
aijbms-280	127	10	success	success	NOUN
aijbms-280	127	11	of	of	ADP
aijbms-280	127	12	the	the	DET
aijbms-280	127	13	micro	micro	PROPN
aijbms-280	127	14	insurance	insurance	NOUN
aijbms-280	127	15	industry	industry	NOUN
aijbms-280	127	16	and	and	CCONJ
aijbms-280	127	17	making	make	VERB
aijbms-280	127	18	adjustments	adjustment	NOUN
aijbms-280	127	19	as	as	SCONJ
aijbms-280	127	20	needed	need	VERB
aijbms-280	127	21	in	in	ADP
aijbms-280	127	22	conjunction	conjunction	NOUN
aijbms-280	127	23	with	with	ADP
aijbms-280	127	24	the	the	DET
aijbms-280	127	25	pertinent	pertinent	ADJ
aijbms-280	127	26	stakeholders	stakeholder	NOUN
aijbms-280	127	27	.	.	PUNCT
aijbms-280	128	1			PART
aijbms-280	128	2	regulations	regulation	NOUN
aijbms-280	128	3	:	:	PUNCT
aijbms-280	128	4	regulations	regulation	NOUN
aijbms-280	128	5	should	should	AUX
aijbms-280	128	6	be	be	AUX
aijbms-280	128	7	strengthened	strengthen	VERB
aijbms-280	128	8	so	so	SCONJ
aijbms-280	128	9	that	that	SCONJ
aijbms-280	128	10	the	the	DET
aijbms-280	128	11	development	development	NOUN
aijbms-280	128	12	of	of	ADP
aijbms-280	128	13	micro	micro	PROPN
aijbms-280	128	14	insurance	insurance	NOUN
aijbms-280	128	15	is	be	AUX
aijbms-280	128	16	supported	support	VERB
aijbms-280	128	17	by	by	ADP
aijbms-280	128	18	the	the	DET
aijbms-280	128	19	somalian	somalian	ADJ
aijbms-280	128	20	government	government	NOUN
aijbms-280	128	21	.	.	PUNCT
aijbms-280	129	1	the	the	DET
aijbms-280	129	2	regulatory	regulatory	ADJ
aijbms-280	129	3	framework	framework	NOUN
aijbms-280	129	4	may	may	AUX
aijbms-280	129	5	need	need	VERB
aijbms-280	129	6	to	to	PART
aijbms-280	129	7	be	be	AUX
aijbms-280	129	8	clarified	clarify	VERB
aijbms-280	129	9	,	,	PUNCT
aijbms-280	129	10	accountability	accountability	NOUN
aijbms-280	129	11	and	and	CCONJ
aijbms-280	129	12	openness	openness	NOUN
aijbms-280	129	13	encouraged	encourage	VERB
aijbms-280	129	14	,	,	PUNCT
aijbms-280	129	15	and	and	CCONJ
aijbms-280	129	16	local	local	ADJ
aijbms-280	129	17	and	and	CCONJ
aijbms-280	129	18	international	international	ADJ
aijbms-280	129	19	companies	company	NOUN
aijbms-280	129	20	encouraged	encourage	VERB
aijbms-280	129	21	to	to	PART
aijbms-280	129	22	participate	participate	VERB
aijbms-280	129	23	.	.	PUNCT
aijbms-280	130	1	finally	finally	ADV
aijbms-280	130	2	,	,	PUNCT
aijbms-280	130	3	by	by	ADP
aijbms-280	130	4	putting	put	VERB
aijbms-280	130	5	these	these	DET
aijbms-280	130	6	recommendations	recommendation	NOUN
aijbms-280	130	7	into	into	ADP
aijbms-280	130	8	practice	practice	NOUN
aijbms-280	130	9	,	,	PUNCT
aijbms-280	130	10	the	the	DET
aijbms-280	130	11	somalian	somalian	ADJ
aijbms-280	130	12	government	government	NOUN
aijbms-280	130	13	can	can	AUX
aijbms-280	130	14	contribute	contribute	VERB
aijbms-280	130	15	to	to	ADP
aijbms-280	130	16	the	the	DET
aijbms-280	130	17	development	development	NOUN
aijbms-280	130	18	of	of	ADP
aijbms-280	130	19	a	a	DET
aijbms-280	130	20	favorable	favorable	ADJ
aijbms-280	130	21	environment	environment	NOUN
aijbms-280	130	22	for	for	ADP
aijbms-280	130	23	micro	micro	ADJ
aijbms-280	130	24	insurance	insurance	NOUN
aijbms-280	130	25	,	,	PUNCT
aijbms-280	130	26	which	which	PRON
aijbms-280	130	27	has	have	VERB
aijbms-280	130	28	the	the	DET
aijbms-280	130	29	potential	potential	NOUN
aijbms-280	130	30	to	to	PART
aijbms-280	130	31	significantly	significantly	ADV
aijbms-280	130	32	reduce	reduce	VERB
aijbms-280	130	33	poverty	poverty	NOUN
aijbms-280	130	34	.	.	PUNCT
aijbms-280	131	1	author	author	NOUN
aijbms-280	131	2	contributions	contribution	NOUN
aijbms-280	131	3	:	:	PUNCT
aijbms-280	131	4	conceptualization	conceptualization	NOUN
aijbms-280	131	5	,	,	PUNCT
aijbms-280	131	6	m.a.i	m.a.i	PROPN
aijbms-280	131	7	.	.	PROPN
aijbms-280	131	8	,	,	PUNCT
aijbms-280	131	9	m.s.c	m.s.c	NOUN
aijbms-280	131	10	.	.	PROPN
aijbms-280	131	11	,	,	PUNCT
aijbms-280	131	12	a.d.a	a.d.a	PROPN
aijbms-280	131	13	.	.	PUNCT
aijbms-280	132	1	and	and	CCONJ
aijbms-280	132	2	a.a.m	a.a.m	PROPN
aijbms-280	132	3	.	.	PROPN
aijbms-280	132	4	;	;	PUNCT
aijbms-280	132	5	methodology	methodology	PROPN
aijbms-280	132	6	,	,	PUNCT
aijbms-280	132	7	m.a.i	m.a.i	PROPN
aijbms-280	132	8	.	.	PUNCT
aijbms-280	132	9	;	;	PUNCT
aijbms-280	132	10	software	software	NOUN
aijbms-280	132	11	,	,	PUNCT
aijbms-280	132	12	m.a.i	m.a.i	PROPN
aijbms-280	132	13	.	.	PROPN
aijbms-280	132	14	;	;	PUNCT
aijbms-280	132	15	validation	validation	NOUN
aijbms-280	132	16	,	,	PUNCT
aijbms-280	132	17	m.a.i	m.a.i	PROPN
aijbms-280	132	18	.	.	PUNCT
aijbms-280	132	19	;	;	PUNCT
aijbms-280	132	20	formal	formal	ADJ
aijbms-280	132	21	analysis	analysis	NOUN
aijbms-280	132	22	,	,	PUNCT
aijbms-280	132	23	m.a.i	m.a.i	PROPN
aijbms-280	132	24	.	.	PROPN
aijbms-280	132	25	,	,	PUNCT
aijbms-280	132	26	m.s.c	m.s.c	NOUN
aijbms-280	132	27	.	.	PROPN
aijbms-280	132	28	,	,	PUNCT
aijbms-280	132	29	a.d.a	a.d.a	PROPN
aijbms-280	132	30	.	.	PUNCT
aijbms-280	132	31	and	and	CCONJ
aijbms-280	132	32	a.a.m	a.a.m	PROPN
aijbms-280	132	33	.	.	PROPN
aijbms-280	132	34	;	;	PUNCT
aijbms-280	132	35	investigation	investigation	NOUN
aijbms-280	132	36	,	,	PUNCT
aijbms-280	132	37	m.a.i	m.a.i	PROPN
aijbms-280	132	38	.	.	PUNCT
aijbms-280	132	39	;	;	PUNCT
aijbms-280	132	40	resources	resource	NOUN
aijbms-280	132	41	,	,	PUNCT
aijbms-280	132	42	m.a.i	m.a.i	PROPN
aijbms-280	132	43	.	.	PROPN
aijbms-280	132	44	,	,	PUNCT
aijbms-280	132	45	m.s.c	m.s.c	NOUN
aijbms-280	132	46	.	.	PROPN
aijbms-280	132	47	,	,	PUNCT
aijbms-280	132	48	a.d.a	a.d.a	PROPN
aijbms-280	132	49	.	.	PUNCT
aijbms-280	132	50	and	and	CCONJ
aijbms-280	132	51	a.a.m	a.a.m	PROPN
aijbms-280	132	52	.	.	PROPN
aijbms-280	132	53	;	;	PUNCT
aijbms-280	132	54	data	datum	NOUN
aijbms-280	132	55	curation	curation	NOUN
aijbms-280	132	56	,	,	PUNCT
aijbms-280	132	57	m.a.i	m.a.i	PROPN
aijbms-280	132	58	.	.	PUNCT
aijbms-280	132	59	;	;	PUNCT
aijbms-280	132	60	writing	write	VERB
aijbms-280	132	61	–	–	PUNCT
aijbms-280	132	62	original	original	ADJ
aijbms-280	132	63	draft	draft	NOUN
aijbms-280	132	64	preparation	preparation	NOUN
aijbms-280	132	65	,	,	PUNCT
aijbms-280	132	66	m.a.i	m.a.i	PROPN
aijbms-280	132	67	.	.	PUNCT
aijbms-280	132	68	;	;	PUNCT
aijbms-280	132	69	writing	write	VERB
aijbms-280	132	70	–	–	PUNCT
aijbms-280	132	71	review	review	NOUN
aijbms-280	132	72	&	&	CCONJ
aijbms-280	132	73	editing	editing	PROPN
aijbms-280	132	74	,	,	PUNCT
aijbms-280	132	75	m.a.i	m.a.i	PROPN
aijbms-280	132	76	.	.	PROPN
aijbms-280	132	77	,	,	PUNCT
aijbms-280	132	78	m.s.c	m.s.c	NOUN
aijbms-280	132	79	.	.	PROPN
aijbms-280	132	80	,	,	PUNCT
aijbms-280	132	81	a.d.a	a.d.a	PROPN
aijbms-280	132	82	.	.	PUNCT
aijbms-280	132	83	and	and	CCONJ
aijbms-280	132	84	a.a.m	a.a.m	PROPN
aijbms-280	132	85	.	.	PROPN
aijbms-280	132	86	;	;	PUNCT
aijbms-280	132	87	visualization	visualization	NOUN
aijbms-280	132	88	,	,	PUNCT
aijbms-280	132	89	m.a.i	m.a.i	PROPN
aijbms-280	132	90	.	.	PROPN
aijbms-280	132	91	,	,	PUNCT
aijbms-280	132	92	m.s.c	m.s.c	NOUN
aijbms-280	132	93	.	.	PROPN
aijbms-280	132	94	,	,	PUNCT
aijbms-280	132	95	a.d.a	a.d.a	PROPN
aijbms-280	132	96	.	.	PUNCT
aijbms-280	132	97	and	and	CCONJ
aijbms-280	132	98	a.a.m	a.a.m	PROPN
aijbms-280	132	99	.	.	PROPN
aijbms-280	132	100	;	;	PUNCT
aijbms-280	132	101	supervision	supervision	NOUN
aijbms-280	132	102	,	,	PUNCT
aijbms-280	132	103	m.a.i	m.a.i	PROPN
aijbms-280	132	104	.	.	PUNCT
aijbms-280	132	105	;	;	PUNCT
aijbms-280	132	106	project	project	NOUN
aijbms-280	132	107	administration	administration	NOUN
aijbms-280	132	108	,	,	PUNCT
aijbms-280	132	109	m.a.i	m.a.i	PROPN
aijbms-280	132	110	.	.	PROPN
aijbms-280	132	111	;	;	PUNCT
aijbms-280	132	112	funding	funding	NOUN
aijbms-280	132	113	acquisition	acquisition	NOUN
aijbms-280	132	114	,	,	PUNCT
aijbms-280	132	115	m.a.i	m.a.i	PROPN
aijbms-280	132	116	.	.	PROPN
aijbms-280	132	117	,	,	PUNCT
aijbms-280	132	118	m.s.c	m.s.c	NOUN
aijbms-280	132	119	.	.	PROPN
aijbms-280	132	120	,	,	PUNCT
aijbms-280	132	121	a.d.a	a.d.a	PROPN
aijbms-280	132	122	.	.	PUNCT
aijbms-280	132	123	and	and	CCONJ
aijbms-280	132	124	a.a.m	a.a.m	PROPN
aijbms-280	132	125	.	.	PUNCT
aijbms-280	133	1	authors	author	NOUN
aijbms-280	133	2	have	have	AUX
aijbms-280	133	3	read	read	VERB
aijbms-280	133	4	and	and	CCONJ
aijbms-280	133	5	agreed	agree	VERB
aijbms-280	133	6	to	to	ADP
aijbms-280	133	7	the	the	DET
aijbms-280	133	8	published	publish	VERB
aijbms-280	133	9	version	version	NOUN
aijbms-280	133	10	of	of	ADP
aijbms-280	133	11	the	the	DET
aijbms-280	133	12	manuscript	manuscript	NOUN
aijbms-280	133	13	.	.	PUNCT
aijbms-280	134	1	institutional	institutional	ADJ
aijbms-280	134	2	review	review	PROPN
aijbms-280	134	3	board	board	NOUN
aijbms-280	134	4	statement	statement	NOUN
aijbms-280	134	5	:	:	PUNCT
aijbms-280	134	6	ethical	ethical	ADJ
aijbms-280	134	7	review	review	NOUN
aijbms-280	134	8	and	and	CCONJ
aijbms-280	134	9	approval	approval	NOUN
aijbms-280	134	10	were	be	AUX
aijbms-280	134	11	waived	waive	VERB
aijbms-280	134	12	for	for	ADP
aijbms-280	134	13	this	this	DET
aijbms-280	134	14	study	study	NOUN
aijbms-280	134	15	,	,	PUNCT
aijbms-280	134	16	due	due	ADP
aijbms-280	134	17	to	to	ADP
aijbms-280	134	18	the	the	DET
aijbms-280	134	19	fact	fact	NOUN
aijbms-280	134	20	that	that	SCONJ
aijbms-280	134	21	the	the	DET
aijbms-280	134	22	research	research	NOUN
aijbms-280	134	23	does	do	AUX
aijbms-280	134	24	not	not	PART
aijbms-280	134	25	deal	deal	VERB
aijbms-280	134	26	with	with	ADP
aijbms-280	134	27	vulnerable	vulnerable	ADJ
aijbms-280	134	28	groups	group	NOUN
aijbms-280	134	29	or	or	CCONJ
aijbms-280	134	30	sensitive	sensitive	ADJ
aijbms-280	134	31	issues	issue	NOUN
aijbms-280	134	32	.	.	PUNCT
aijbms-280	135	1	funding	funding	NOUN
aijbms-280	135	2	:	:	PUNCT
aijbms-280	135	3	the	the	DET
aijbms-280	135	4	authors	author	NOUN
aijbms-280	135	5	received	receive	VERB
aijbms-280	135	6	no	no	DET
aijbms-280	135	7	direct	direct	ADJ
aijbms-280	135	8	funding	funding	NOUN
aijbms-280	135	9	for	for	ADP
aijbms-280	135	10	this	this	DET
aijbms-280	135	11	research	research	NOUN
aijbms-280	135	12	.	.	PUNCT
aijbms-280	136	1	acknowledgement	acknowledgement	NOUN
aijbms-280	136	2	:	:	PUNCT
aijbms-280	136	3	not	not	PART
aijbms-280	136	4	applicable	applicable	ADJ
aijbms-280	136	5	.	.	PUNCT
aijbms-280	137	1	informed	informed	ADJ
aijbms-280	137	2	consent	consent	NOUN
aijbms-280	137	3	statement	statement	NOUN
aijbms-280	137	4	:	:	PUNCT
aijbms-280	137	5	informed	inform	VERB
aijbms-280	137	6	consent	consent	NOUN
aijbms-280	137	7	was	be	AUX
aijbms-280	137	8	obtained	obtain	VERB
aijbms-280	137	9	from	from	ADP
aijbms-280	137	10	all	all	DET
aijbms-280	137	11	subjects	subject	NOUN
aijbms-280	137	12	involved	involve	VERB
aijbms-280	137	13	in	in	ADP
aijbms-280	137	14	the	the	DET
aijbms-280	137	15	study	study	NOUN
aijbms-280	137	16	.	.	PUNCT
aijbms-280	138	1	data	datum	NOUN
aijbms-280	138	2	availability	availability	NOUN
aijbms-280	138	3	statement	statement	NOUN
aijbms-280	138	4	:	:	PUNCT
aijbms-280	138	5	the	the	DET
aijbms-280	138	6	data	datum	NOUN
aijbms-280	138	7	presented	present	VERB
aijbms-280	138	8	in	in	ADP
aijbms-280	138	9	this	this	DET
aijbms-280	138	10	study	study	NOUN
aijbms-280	138	11	are	be	AUX
aijbms-280	138	12	available	available	ADJ
aijbms-280	138	13	on	on	ADP
aijbms-280	138	14	request	request	NOUN
aijbms-280	138	15	from	from	ADP
aijbms-280	138	16	the	the	DET
aijbms-280	138	17	corresponding	corresponding	ADJ
aijbms-280	138	18	author	author	NOUN
aijbms-280	138	19	.	.	PUNCT
aijbms-280	139	1	the	the	DET
aijbms-280	139	2	data	datum	NOUN
aijbms-280	139	3	are	be	AUX
aijbms-280	139	4	not	not	PART
aijbms-280	139	5	publicly	publicly	ADV
aijbms-280	139	6	available	available	ADJ
aijbms-280	139	7	due	due	ADP
aijbms-280	139	8	to	to	ADP
aijbms-280	139	9	restrictions	restriction	NOUN
aijbms-280	139	10	.	.	PUNCT
aijbms-280	140	1	conflicts	conflict	NOUN
aijbms-280	140	2	of	of	ADP
aijbms-280	140	3	interest	interest	NOUN
aijbms-280	140	4	:	:	PUNCT
aijbms-280	140	5	the	the	DET
aijbms-280	140	6	authors	author	NOUN
aijbms-280	140	7	declare	declare	VERB
aijbms-280	140	8	no	no	DET
aijbms-280	140	9	conflict	conflict	NOUN
aijbms-280	140	10	of	of	ADP
aijbms-280	140	11	interest	interest	NOUN
aijbms-280	140	12	.	.	PUNCT
aijbms-280	141	1	references	reference	NOUN
aijbms-280	141	2	alam	alam	PROPN
aijbms-280	141	3	,	,	PUNCT
aijbms-280	141	4	m.	m.	PROPN
aijbms-280	141	5	f.	f.	PROPN
aijbms-280	141	6	e.	e.	PROPN
aijbms-280	141	7	,	,	PUNCT
aijbms-280	141	8	&	&	CCONJ
aijbms-280	141	9	khan	khan	PROPN
aijbms-280	141	10	,	,	PUNCT
aijbms-280	141	11	m.	m.	PROPN
aijbms-280	141	12	r.	r.	PROPN
aijbms-280	141	13	a.	a.	PROPN
aijbms-280	141	14	(	(	PUNCT
aijbms-280	141	15	2022	2022	NUM
aijbms-280	141	16	)	)	PUNCT
aijbms-280	141	17	.	.	PUNCT
aijbms-280	142	1	effect	effect	NOUN
aijbms-280	142	2	of	of	ADP
aijbms-280	142	3	critical	critical	ADJ
aijbms-280	142	4	factors	factor	NOUN
aijbms-280	142	5	on	on	ADP
aijbms-280	142	6	job	job	NOUN
aijbms-280	142	7	satisfaction	satisfaction	NOUN
aijbms-280	142	8	in	in	ADP
aijbms-280	142	9	bangladesh	bangladesh	NOUN
aijbms-280	142	10	:	:	PUNCT
aijbms-280	142	11	the	the	DET
aijbms-280	142	12	perspective	perspective	NOUN
aijbms-280	142	13	of	of	ADP
aijbms-280	142	14	commercial	commercial	ADJ
aijbms-280	142	15	banks	bank	NOUN
aijbms-280	142	16	.	.	PUNCT
aijbms-280	143	1	quantum	quantum	PROPN
aijbms-280	143	2	journal	journal	NOUN
aijbms-280	143	3	of	of	ADP
aijbms-280	143	4	social	social	ADJ
aijbms-280	143	5	sciences	science	NOUN
aijbms-280	143	6	and	and	CCONJ
aijbms-280	143	7	humanities	humanity	NOUN
aijbms-280	143	8	,	,	PUNCT
aijbms-280	143	9	3(1	3(1	NUM
aijbms-280	143	10	)	)	PUNCT
aijbms-280	143	11	,	,	PUNCT
aijbms-280	143	12	9	9	NUM
aijbms-280	143	13	-	-	SYM
aijbms-280	143	14	25	25	NUM
aijbms-280	143	15	.	.	PUNCT
aijbms-280	143	16	https://doi.org/10.55197/qjssh.v3i1.120	https://doi.org/10.55197/qjssh.v3i1.120	PROPN
aijbms-280	143	17	ali	ali	PROPN
aijbms-280	143	18	,	,	PUNCT
aijbms-280	143	19	m.	m.	NOUN
aijbms-280	143	20	i.	i.	PROPN
aijbms-280	143	21	,	,	PUNCT
aijbms-280	143	22	&	&	CCONJ
aijbms-280	143	23	faisal	faisal	PROPN
aijbms-280	143	24	-	-	PUNCT
aijbms-280	143	25	e	e	PROPN
aijbms-280	143	26	-	-	ADJ
aijbms-280	143	27	alam	alam	ADJ
aijbms-280	143	28	,	,	PUNCT
aijbms-280	143	29	m.	m.	NOUN
aijbms-280	143	30	(	(	PUNCT
aijbms-280	143	31	2022	2022	NUM
aijbms-280	143	32	)	)	PUNCT
aijbms-280	143	33	.	.	PUNCT
aijbms-280	144	1	changes	change	NOUN
aijbms-280	144	2	in	in	ADP
aijbms-280	144	3	socio	socio	NOUN
aijbms-280	144	4	-	-	ADJ
aijbms-280	144	5	demographic	demographic	ADJ
aijbms-280	144	6	factors	factor	NOUN
aijbms-280	144	7	of	of	ADP
aijbms-280	144	8	bangladesh	bangladesh	NOUN
aijbms-280	144	9	:	:	PUNCT
aijbms-280	144	10	links	link	NOUN
aijbms-280	144	11	with	with	ADP
aijbms-280	144	12	poverty	poverty	NOUN
aijbms-280	144	13	.	.	PUNCT
aijbms-280	145	1	indonesian	indonesian	ADJ
aijbms-280	145	2	journal	journal	PROPN
aijbms-280	145	3	of	of	ADP
aijbms-280	145	4	innovation	innovation	NOUN
aijbms-280	145	5	and	and	CCONJ
aijbms-280	145	6	applied	apply	VERB
aijbms-280	145	7	sciences	science	NOUN
aijbms-280	145	8	(	(	PUNCT
aijbms-280	145	9	ijias	ijia	NOUN
aijbms-280	145	10	)	)	PUNCT
aijbms-280	145	11	,	,	PUNCT
aijbms-280	145	12	2(3	2(3	NUM
aijbms-280	145	13	)	)	PUNCT
aijbms-280	145	14	,	,	PUNCT
aijbms-280	145	15	180	180	NUM
aijbms-280	145	16	-	-	SYM
aijbms-280	145	17	186	186	NUM
aijbms-280	145	18	.	.	PUNCT
aijbms-280	146	1	https://doi.org/10.47540/ijias.v2i3.619	https://doi.org/10.47540/ijias.v2i3.619	PROPN
aijbms-280	146	2	ali	ali	PROPN
aijbms-280	146	3	,	,	PUNCT
aijbms-280	146	4	m.	m.	PROPN
aijbms-280	146	5	c.	c.	PROPN
aijbms-280	146	6	,	,	PUNCT
aijbms-280	146	7	islam	islam	PROPN
aijbms-280	146	8	,	,	PUNCT
aijbms-280	146	9	k.	k.	PROPN
aijbms-280	146	10	m.	m.	PROPN
aijbms-280	146	11	a.	a.	PROPN
aijbms-280	146	12	,	,	PUNCT
aijbms-280	146	13	chung	chung	PROPN
aijbms-280	146	14	,	,	PUNCT
aijbms-280	146	15	s.	s.	PROPN
aijbms-280	146	16	j.	j.	PROPN
aijbms-280	146	17	,	,	PUNCT
aijbms-280	146	18	zayed	zayed	PROPN
aijbms-280	146	19	,	,	PUNCT
aijbms-280	146	20	n.	n.	NOUN
aijbms-280	146	21	m.	m.	NOUN
aijbms-280	146	22	,	,	PUNCT
aijbms-280	146	23	&	&	CCONJ
aijbms-280	146	24	afrin	afrin	PROPN
aijbms-280	146	25	,	,	PUNCT
aijbms-280	146	26	m.	m.	NOUN
aijbms-280	146	27	(	(	PUNCT
aijbms-280	146	28	2020	2020	NUM
aijbms-280	146	29	)	)	PUNCT
aijbms-280	146	30	.	.	PUNCT
aijbms-280	147	1	a	a	DET
aijbms-280	147	2	study	study	NOUN
aijbms-280	147	3	of	of	ADP
aijbms-280	147	4	green	green	ADJ
aijbms-280	147	5	human	human	ADJ
aijbms-280	147	6	resources	resource	NOUN
aijbms-280	147	7	management	management	NOUN
aijbms-280	147	8	(	(	PUNCT
aijbms-280	147	9	ghrm	ghrm	NOUN
aijbms-280	147	10	)	)	PUNCT
aijbms-280	147	11	and	and	CCONJ
aijbms-280	147	12	green	green	ADJ
aijbms-280	147	13	creativity	creativity	NOUN
aijbms-280	147	14	for	for	ADP
aijbms-280	147	15	human	human	ADJ
aijbms-280	147	16	resources	resource	NOUN
aijbms-280	147	17	professionals	professional	NOUN
aijbms-280	147	18	.	.	PUNCT
aijbms-280	148	1	international	international	ADJ
aijbms-280	148	2	journal	journal	PROPN
aijbms-280	148	3	of	of	ADP
aijbms-280	148	4	business	business	NOUN
aijbms-280	148	5	and	and	CCONJ
aijbms-280	148	6	management	management	NOUN
aijbms-280	148	7	future	future	NOUN
aijbms-280	148	8	,	,	PUNCT
aijbms-280	148	9	4(2	4(2	NUM
aijbms-280	148	10	)	)	PUNCT
aijbms-280	148	11	,	,	PUNCT
aijbms-280	148	12	57	57	NUM
aijbms-280	148	13	-	-	SYM
aijbms-280	148	14	67	67	NUM
aijbms-280	148	15	.	.	PUNCT
aijbms-280	149	1	https://doi.org/10.46281/ijbmf.v4i2.857	https://doi.org/10.46281/ijbmf.v4i2.857	PROPN
aijbms-280	149	2	ali	ali	PROPN
aijbms-280	149	3	,	,	PUNCT
aijbms-280	149	4	m.	m.	PROPN
aijbms-280	149	5	c.	c.	PROPN
aijbms-280	149	6	,	,	PUNCT
aijbms-280	149	7	islam	islam	PROPN
aijbms-280	149	8	,	,	PUNCT
aijbms-280	149	9	k.	k.	PROPN
aijbms-280	149	10	a.	a.	PROPN
aijbms-280	149	11	,	,	PUNCT
aijbms-280	149	12	chung	chung	PROPN
aijbms-280	149	13	,	,	PUNCT
aijbms-280	149	14	s.	s.	PROPN
aijbms-280	149	15	j.	j.	PROPN
aijbms-280	149	16	,	,	PUNCT
aijbms-280	149	17	zayed	zayed	PROPN
aijbms-280	149	18	,	,	PUNCT
aijbms-280	149	19	n.	n.	NOUN
aijbms-280	149	20	m.	m.	NOUN
aijbms-280	149	21	,	,	PUNCT
aijbms-280	149	22	&	&	CCONJ
aijbms-280	149	23	islam	islam	PROPN
aijbms-280	149	24	,	,	PUNCT
aijbms-280	149	25	m.	m.	PROPN
aijbms-280	149	26	r.	r.	PROPN
aijbms-280	149	27	(	(	PUNCT
aijbms-280	149	28	2021	2021	NUM
aijbms-280	149	29	)	)	PUNCT
aijbms-280	149	30	.	.	PUNCT
aijbms-280	150	1	the	the	DET
aijbms-280	150	2	correlation	correlation	NOUN
aijbms-280	150	3	between	between	ADP
aijbms-280	150	4	job	job	NOUN
aijbms-280	150	5	-	-	PUNCT
aijbms-280	150	6	hopping	hop	VERB
aijbms-280	150	7	attitude	attitude	NOUN
aijbms-280	150	8	and	and	CCONJ
aijbms-280	150	9	turnover	turnover	NOUN
aijbms-280	150	10	behavior	behavior	NOUN
aijbms-280	150	11	:	:	PUNCT
aijbms-280	150	12	a	a	DET
aijbms-280	150	13	job	job	NOUN
aijbms-280	150	14	satisfaction	satisfaction	NOUN
aijbms-280	150	15	perspective	perspective	NOUN
aijbms-280	150	16	in	in	ADP
aijbms-280	150	17	bangladesh	bangladesh	PROPN
aijbms-280	150	18	.	.	PUNCT
aijbms-280	151	1	international	international	ADJ
aijbms-280	151	2	journal	journal	PROPN
aijbms-280	151	3	of	of	ADP
aijbms-280	151	4	business	business	NOUN
aijbms-280	151	5	and	and	CCONJ
aijbms-280	151	6	management	management	NOUN
aijbms-280	151	7	future	future	NOUN
aijbms-280	151	8	,	,	PUNCT
aijbms-280	151	9	5(1	5(1	NUM
aijbms-280	151	10	)	)	PUNCT
aijbms-280	151	11	,	,	PUNCT
aijbms-280	151	12	14	14	NUM
aijbms-280	151	13	-	-	SYM
aijbms-280	151	14	26	26	NUM
aijbms-280	151	15	.	.	PUNCT
aijbms-280	152	1	ahmed	ahmed	PROPN
aijbms-280	152	2	,	,	PUNCT
aijbms-280	152	3	s.	s.	PROPN
aijbms-280	152	4	f.	f.	PROPN
aijbms-280	152	5	,	,	PUNCT
aijbms-280	152	6	zayed	zayed	PROPN
aijbms-280	152	7	,	,	PUNCT
aijbms-280	152	8	n.	n.	NOUN
aijbms-280	152	9	m.	m.	NOUN
aijbms-280	152	10	,	,	PUNCT
aijbms-280	152	11	islam	islam	PROPN
aijbms-280	152	12	,	,	PUNCT
aijbms-280	152	13	k.	k.	PROPN
aijbms-280	152	14	m.	m.	PROPN
aijbms-280	152	15	a.	a.	PROPN
aijbms-280	152	16	,	,	PUNCT
aijbms-280	152	17	&	&	CCONJ
aijbms-280	152	18	nitsenko	nitsenko	PROPN
aijbms-280	152	19	,	,	PUNCT
aijbms-280	152	20	v.	v.	PROPN
aijbms-280	152	21	(	(	PUNCT
aijbms-280	152	22	2022	2022	NUM
aijbms-280	152	23	)	)	PUNCT
aijbms-280	152	24	.	.	PUNCT
aijbms-280	153	1	investigating	investigate	VERB
aijbms-280	153	2	the	the	DET
aijbms-280	153	3	impact	impact	NOUN
aijbms-280	153	4	of	of	ADP
aijbms-280	153	5	re	re	NOUN
aijbms-280	153	6	consumption	consumption	NOUN
aijbms-280	153	7	on	on	ADP
aijbms-280	153	8	co2	co2	NOUN
aijbms-280	153	9	emissions	emission	NOUN
aijbms-280	153	10	:	:	PUNCT
aijbms-280	153	11	evidence	evidence	NOUN
aijbms-280	153	12	from	from	ADP
aijbms-280	153	13	the	the	DET
aijbms-280	153	14	saarc	saarc	PROPN
aijbms-280	153	15	countries	country	NOUN
aijbms-280	153	16	.	.	PUNCT
aijbms-280	154	1	natsional'nyi	natsional'nyi	PRON
aijbms-280	154	2	hirnychyi	hirnychyi	PROPN
aijbms-280	154	3	universytet	universytet	NOUN
aijbms-280	154	4	.	.	PUNCT
aijbms-280	155	1	naukovyi	naukovyi	PROPN
aijbms-280	155	2	visnyk	visnyk	VERB
aijbms-280	155	3	,	,	PUNCT
aijbms-280	155	4	(	(	PUNCT
aijbms-280	155	5	3	3	NUM
aijbms-280	155	6	)	)	PUNCT
aijbms-280	155	7	,	,	PUNCT
aijbms-280	155	8	107111	107111	NUM
aijbms-280	155	9	.	.	PUNCT
aijbms-280	156	1	https://doi.org/10.33271/nvngu/2022-3/107	https://doi.org/10.33271/nvngu/2022-3/107	VERB
aijbms-280	156	2	al	al	PROPN
aijbms-280	156	3	-	-	PUNCT
aijbms-280	156	4	quraan	quraan	PROPN
aijbms-280	156	5	,	,	PUNCT
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aijbms-280	156	10	,	,	PUNCT
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aijbms-280	158	14	machines	machine	NOUN
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aijbms-280	159	4	)	)	PUNCT
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aijbms-280	159	7	.	.	PUNCT
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aijbms-280	160	3	,	,	PUNCT
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aijbms-280	160	17	,	,	PUNCT
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aijbms-280	160	27	,	,	PUNCT
aijbms-280	160	28	o.	o.	PROPN
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aijbms-280	161	14	.	.	PUNCT
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aijbms-280	162	4	)	)	PUNCT
aijbms-280	162	5	,	,	PUNCT
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aijbms-280	162	7	.	.	PUNCT
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aijbms-280	163	20	.	.	PUNCT
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aijbms-280	164	9	.	.	PUNCT
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aijbms-280	165	7	6(4	6(4	NUM
aijbms-280	165	8	)	)	PUNCT
aijbms-280	165	9	,	,	PUNCT
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aijbms-280	165	11	-	-	SYM
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aijbms-280	166	9	.	.	PUNCT
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aijbms-280	167	12	)	)	PUNCT
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aijbms-280	167	15	-	-	SYM
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aijbms-280	167	17	.	.	PUNCT
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aijbms-280	168	7	,	,	PUNCT
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aijbms-280	171	7	.	.	PUNCT
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aijbms-280	172	7	)	)	PUNCT
aijbms-280	172	8	.	.	PUNCT
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aijbms-280	173	5	?	?	PUNCT
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aijbms-280	175	14	-	-	SYM
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aijbms-280	178	3	.	.	PUNCT
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aijbms-280	179	7	,	,	PUNCT
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aijbms-280	179	9	-	-	SYM
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aijbms-280	179	11	.	.	PUNCT
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aijbms-280	181	13	-	-	SYM
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aijbms-280	184	41	)	)	PUNCT
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aijbms-280	185	7	,	,	PUNCT
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aijbms-280	185	9	,	,	PUNCT
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aijbms-280	185	25	m.	m.	NOUN
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aijbms-280	187	19	.	.	PUNCT
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aijbms-280	188	8	)	)	PUNCT
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aijbms-280	188	11	-	-	SYM
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aijbms-280	188	13	.	.	PUNCT
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aijbms-280	188	25	m.	m.	NOUN
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aijbms-280	188	46	2023	2023	NUM
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aijbms-280	201	8	,	,	PUNCT
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aijbms-280	201	23	&	&	CCONJ
aijbms-280	201	24	shahi	shahi	PROPN
aijbms-280	201	25	,	,	PUNCT
aijbms-280	201	26	s.	s.	PROPN
aijbms-280	201	27	k.	k.	PROPN
aijbms-280	201	28	(	(	PUNCT
aijbms-280	201	29	2021	2021	NUM
aijbms-280	201	30	)	)	PUNCT
aijbms-280	201	31	.	.	PUNCT
aijbms-280	202	1	impact	impact	NOUN
aijbms-280	202	2	of	of	ADP
aijbms-280	202	3	artificial	artificial	ADJ
aijbms-280	202	4	intelligence	intelligence	NOUN
aijbms-280	202	5	and	and	CCONJ
aijbms-280	202	6	digital	digital	ADJ
aijbms-280	202	7	economy	economy	NOUN
aijbms-280	202	8	on	on	ADP
aijbms-280	202	9	industrial	industrial	ADJ
aijbms-280	202	10	revolution	revolution	NOUN
aijbms-280	202	11	4	4	NUM
aijbms-280	202	12	:	:	PUNCT
aijbms-280	202	13	evidence	evidence	NOUN
aijbms-280	202	14	from	from	ADP
aijbms-280	202	15	bangladesh	bangladesh	PROPN
aijbms-280	202	16	.	.	PUNCT
aijbms-280	203	1	american	american	PROPN
aijbms-280	203	2	finance	finance	PROPN
aijbms-280	203	3	&	&	CCONJ
aijbms-280	203	4	banking	banking	PROPN
aijbms-280	203	5	review	review	PROPN
aijbms-280	203	6	,	,	PUNCT
aijbms-280	203	7	6(1	6(1	NUM
aijbms-280	203	8	)	)	PUNCT
aijbms-280	203	9	,	,	PUNCT
aijbms-280	203	10	42	42	NUM
aijbms-280	203	11	-	-	SYM
aijbms-280	203	12	55	55	NUM
aijbms-280	203	13	.	.	PUNCT
aijbms-280	204	1	https://doi.org/10.46281/amfbr.v6i1.1489	https://doi.org/10.46281/amfbr.v6i1.1489	PROPN
aijbms-280	204	2	janzen	janzen	PROPN
aijbms-280	204	3	,	,	PUNCT
aijbms-280	204	4	s.	s.	PROPN
aijbms-280	204	5	a.	a.	PROPN
aijbms-280	204	6	,	,	PUNCT
aijbms-280	204	7	&	&	CCONJ
aijbms-280	204	8	carter	carter	PROPN
aijbms-280	204	9	,	,	PUNCT
aijbms-280	204	10	m.	m.	PROPN
aijbms-280	204	11	r.	r.	PROPN
aijbms-280	204	12	(	(	PUNCT
aijbms-280	204	13	2019	2019	NUM
aijbms-280	204	14	)	)	PUNCT
aijbms-280	204	15	.	.	PUNCT
aijbms-280	205	1	after	after	ADP
aijbms-280	205	2	the	the	DET
aijbms-280	205	3	drought	drought	NOUN
aijbms-280	205	4	:	:	PUNCT
aijbms-280	205	5	the	the	DET
aijbms-280	205	6	impact	impact	NOUN
aijbms-280	205	7	of	of	ADP
aijbms-280	205	8	microinsurance	microinsurance	NOUN
aijbms-280	205	9	on	on	ADP
aijbms-280	205	10	consumption	consumption	NOUN
aijbms-280	205	11	smoothing	smoothing	NOUN
aijbms-280	205	12	and	and	CCONJ
aijbms-280	205	13	asset	asset	NOUN
aijbms-280	205	14	protection	protection	NOUN
aijbms-280	205	15	.	.	PUNCT
aijbms-280	206	1	american	american	ADJ
aijbms-280	206	2	journal	journal	PROPN
aijbms-280	206	3	of	of	ADP
aijbms-280	206	4	agricultural	agricultural	ADJ
aijbms-280	206	5	economics	economic	NOUN
aijbms-280	206	6	,	,	PUNCT
aijbms-280	206	7	101(3	101(3	NUM
aijbms-280	206	8	)	)	PUNCT
aijbms-280	206	9	,	,	PUNCT
aijbms-280	206	10	651	651	NUM
aijbms-280	206	11	-	-	SYM
aijbms-280	206	12	671	671	NUM
aijbms-280	206	13	.	.	PUNCT
aijbms-280	207	1	https://doi.org/10.1093/ajae/aay061	https://doi.org/10.1093/ajae/aay061	NOUN
aijbms-280	207	2	.	.	PUNCT
aijbms-280	208	1	khanam	khanam	PROPN
aijbms-280	208	2	,	,	PUNCT
aijbms-280	208	3	d.	d.	PROPN
aijbms-280	208	4	,	,	PUNCT
aijbms-280	208	5	mohiuddin	mohiuddin	NOUN
aijbms-280	208	6	,	,	PUNCT
aijbms-280	208	7	m.	m.	NOUN
aijbms-280	208	8	,	,	PUNCT
aijbms-280	208	9	hoque	hoque	NOUN
aijbms-280	208	10	,	,	PUNCT
aijbms-280	208	11	a.	a.	NOUN
aijbms-280	208	12	,	,	PUNCT
aijbms-280	208	13	&	&	CCONJ
aijbms-280	208	14	weber	weber	PROPN
aijbms-280	208	15	,	,	PUNCT
aijbms-280	208	16	o.	o.	NOUN
aijbms-280	208	17	(	(	PUNCT
aijbms-280	208	18	2018	2018	NUM
aijbms-280	208	19	)	)	PUNCT
aijbms-280	208	20	.	.	PUNCT
aijbms-280	209	1	financing	finance	VERB
aijbms-280	209	2	micro	micro	NOUN
aijbms-280	209	3	-	-	NOUN
aijbms-280	209	4	entrepreneurs	entrepreneur	NOUN
aijbms-280	209	5	for	for	ADP
aijbms-280	209	6	poverty	poverty	NOUN
aijbms-280	209	7	alleviation	alleviation	NOUN
aijbms-280	209	8	:	:	PUNCT
aijbms-280	209	9	a	a	DET
aijbms-280	209	10	performance	performance	NOUN
aijbms-280	209	11	analysis	analysis	NOUN
aijbms-280	209	12	of	of	ADP
aijbms-280	209	13	microfinance	microfinance	NOUN
aijbms-280	209	14	services	service	NOUN
aijbms-280	209	15	offered	offer	VERB
aijbms-280	209	16	by	by	ADP
aijbms-280	209	17	brac	brac	PROPN
aijbms-280	209	18	,	,	PUNCT
aijbms-280	209	19	asa	asa	PROPN
aijbms-280	209	20	,	,	PUNCT
aijbms-280	209	21	and	and	CCONJ
aijbms-280	209	22	proshika	proshika	NOUN
aijbms-280	209	23	from	from	ADP
aijbms-280	209	24	bangladesh	bangladesh	PROPN
aijbms-280	209	25	.	.	PUNCT
aijbms-280	210	1	journal	journal	PROPN
aijbms-280	210	2	of	of	ADP
aijbms-280	210	3	global	global	ADJ
aijbms-280	210	4	entrepreneurship	entrepreneurship	NOUN
aijbms-280	210	5	research	research	NOUN
aijbms-280	210	6	,	,	PUNCT
aijbms-280	210	7	8	8	NUM
aijbms-280	210	8	,	,	PUNCT
aijbms-280	210	9	1	1	NUM
aijbms-280	210	10	-	-	SYM
aijbms-280	210	11	17	17	NUM
aijbms-280	210	12	.	.	PUNCT
aijbms-280	211	1	https://doi.org/10.1186/s40497-018-0114-6	https://doi.org/10.1186/s40497-018-0114-6	PROPN
aijbms-280	211	2	.	.	PUNCT
aijbms-280	212	1	kader	kader	PROPN
aijbms-280	212	2	,	,	PUNCT
aijbms-280	212	3	s.	s.	PROPN
aijbms-280	212	4	a.	a.	PROPN
aijbms-280	212	5	,	,	PUNCT
aijbms-280	212	6	zayed	zaye	VERB
aijbms-280	212	7	,	,	PUNCT
aijbms-280	212	8	n.	n.	NOUN
aijbms-280	212	9	m.	m.	NOUN
aijbms-280	212	10	,	,	PUNCT
aijbms-280	212	11	khan	khan	PROPN
aijbms-280	212	12	,	,	PUNCT
aijbms-280	212	13	s.	s.	PROPN
aijbms-280	212	14	,	,	PUNCT
aijbms-280	212	15	islam	islam	PROPN
aijbms-280	212	16	,	,	PUNCT
aijbms-280	212	17	k.	k.	PROPN
aijbms-280	212	18	m.	m.	PROPN
aijbms-280	212	19	a.	a.	PROPN
aijbms-280	212	20	,	,	PUNCT
aijbms-280	212	21	&	&	CCONJ
aijbms-280	212	22	siddiki	siddiki	PROPN
aijbms-280	212	23	,	,	PUNCT
aijbms-280	212	24	m.	m.	NOUN
aijbms-280	212	25	n.	n.	PROPN
aijbms-280	212	26	a.	a.	PROPN
aijbms-280	212	27	(	(	PUNCT
aijbms-280	212	28	2019	2019	NUM
aijbms-280	212	29	)	)	PUNCT
aijbms-280	212	30	.	.	PUNCT
aijbms-280	213	1	an	an	DET
aijbms-280	213	2	analysis	analysis	NOUN
aijbms-280	213	3	of	of	ADP
aijbms-280	213	4	socio	socio	NOUN
aijbms-280	213	5	-	-	PUNCT
aijbms-280	213	6	economic	economic	ADJ
aijbms-280	213	7	condition	condition	NOUN
aijbms-280	213	8	of	of	ADP
aijbms-280	213	9	female	female	ADJ
aijbms-280	213	10	readymade	readymade	NOUN
aijbms-280	213	11	garments’(rmg	garments’(rmg	NOUN
aijbms-280	213	12	)	)	PUNCT
aijbms-280	213	13	workers	worker	NOUN
aijbms-280	213	14	in	in	ADP
aijbms-280	213	15	dhaka	dhaka	PROPN
aijbms-280	213	16	city	city	PROPN
aijbms-280	213	17	.	.	PUNCT
aijbms-280	214	1	the	the	DET
aijbms-280	214	2	millennium	millennium	PROPN
aijbms-280	214	3	university	university	PROPN
aijbms-280	214	4	journal	journal	NOUN
aijbms-280	214	5	,	,	PUNCT
aijbms-280	214	6	4(1	4(1	NUM
aijbms-280	214	7	)	)	PUNCT
aijbms-280	214	8	,	,	PUNCT
aijbms-280	214	9	12	12	NUM
aijbms-280	214	10	-	-	SYM
aijbms-280	214	11	20	20	NUM
aijbms-280	214	12	.	.	PUNCT
aijbms-280	214	13	retrieved	retrieve	VERB
aijbms-280	214	14	from	from	ADP
aijbms-280	214	15	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/26	http://www.themillenniumuniversity.edu.bd/journal/index.php/tmuj/article/view/26	NOUN
aijbms-280	214	16	kader	kader	PROPN
aijbms-280	214	17	,	,	PUNCT
aijbms-280	214	18	s.	s.	PROPN
aijbms-280	214	19	a.	a.	PROPN
aijbms-280	214	20	,	,	PUNCT
aijbms-280	214	21	rahman	rahman	PROPN
aijbms-280	214	22	,	,	PUNCT
aijbms-280	214	23	a.	a.	PROPN
aijbms-280	214	24	a.	a.	NOUN
aijbms-280	214	25	a.	a.	PROPN
aijbms-280	214	26	,	,	PUNCT
aijbms-280	214	27	meero	meero	NOUN
aijbms-280	214	28	,	,	PUNCT
aijbms-280	214	29	a.	a.	PROPN
aijbms-280	214	30	,	,	PUNCT
aijbms-280	214	31	islam	islam	PROPN
aijbms-280	214	32	,	,	PUNCT
aijbms-280	214	33	k.	k.	PROPN
aijbms-280	214	34	m.	m.	PROPN
aijbms-280	214	35	a.	a.	PROPN
aijbms-280	214	36	,	,	PUNCT
aijbms-280	214	37	zayed	zaye	VERB
aijbms-280	214	38	,	,	PUNCT
aijbms-280	214	39	n.	n.	NOUN
aijbms-280	214	40	m.	m.	NOUN
aijbms-280	214	41	,	,	PUNCT
aijbms-280	214	42	hasan	hasan	PROPN
aijbms-280	214	43	,	,	PUNCT
aijbms-280	214	44	k.	k.	PROPN
aijbms-280	214	45	b.	b.	PROPN
aijbms-280	214	46	m.	m.	PROPN
aijbms-280	214	47	r.	r.	PROPN
aijbms-280	214	48	(	(	PUNCT
aijbms-280	214	49	2021a	2021a	NUM
aijbms-280	214	50	)	)	PUNCT
aijbms-280	214	51	.	.	PUNCT
aijbms-280	215	1	covid-19	covid-19	PROPN
aijbms-280	215	2	:	:	PUNCT
aijbms-280	215	3	after	after	ADP
aijbms-280	215	4	effects	effect	NOUN
aijbms-280	215	5	of	of	ADP
aijbms-280	215	6	coronavirus	coronavirus	NOUN
aijbms-280	215	7	and	and	CCONJ
aijbms-280	215	8	its	its	PRON
aijbms-280	215	9	impact	impact	NOUN
aijbms-280	215	10	on	on	ADP
aijbms-280	215	11	global	global	ADJ
aijbms-280	215	12	economy	economy	NOUN
aijbms-280	215	13	.	.	PUNCT
aijbms-280	216	1	academy	academy	NOUN
aijbms-280	216	2	of	of	ADP
aijbms-280	216	3	strategic	strategic	ADJ
aijbms-280	216	4	management	management	NOUN
aijbms-280	216	5	journal	journal	NOUN
aijbms-280	216	6	,	,	PUNCT
aijbms-280	216	7	20(1	20(1	NUM
aijbms-280	216	8	)	)	PUNCT
aijbms-280	216	9	.	.	PUNCT
aijbms-280	217	1	1	1	NUM
aijbms-280	217	2	-	-	SYM
aijbms-280	217	3	9	9	NUM
aijbms-280	217	4	retrieved	retrieve	VERB
aijbms-280	217	5	from	from	ADP
aijbms-280	217	6	https://www.abacademies.org/articles/covid19-after-effects-ofcoronavirus-and-its-impact-on-global-economy-11472.html	https://www.abacademies.org/articles/covid19-after-effects-ofcoronavirus-and-its-impact-on-global-economy-11472.html	PROPN
aijbms-280	217	7	kader	kader	PROPN
aijbms-280	217	8	,	,	PUNCT
aijbms-280	217	9	s.	s.	PROPN
aijbms-280	217	10	a.	a.	PROPN
aijbms-280	217	11	,	,	PUNCT
aijbms-280	217	12	kulsum	kulsum	PROPN
aijbms-280	217	13	,	,	PUNCT
aijbms-280	217	14	u.	u.	PROPN
aijbms-280	217	15	,	,	PUNCT
aijbms-280	217	16	islam	islam	PROPN
aijbms-280	217	17	,	,	PUNCT
aijbms-280	217	18	k.	k.	PROPN
aijbms-280	217	19	m.	m.	PROPN
aijbms-280	217	20	a.	a.	PROPN
aijbms-280	217	21	,	,	PUNCT
aijbms-280	217	22	siddiki	siddiki	PROPN
aijbms-280	217	23	,	,	PUNCT
aijbms-280	217	24	m.	m.	NOUN
aijbms-280	217	25	n.	n.	PROPN
aijbms-280	217	26	a.	a.	PROPN
aijbms-280	217	27	,	,	PUNCT
aijbms-280	217	28	zayed	zaye	VERB
aijbms-280	217	29	,	,	PUNCT
aijbms-280	217	30	n.	n.	NOUN
aijbms-280	217	31	m.	m.	NOUN
aijbms-280	217	32	,	,	PUNCT
aijbms-280	217	33	&	&	CCONJ
aijbms-280	217	34	raisa	raisa	PROPN
aijbms-280	217	35	,	,	PUNCT
aijbms-280	217	36	t.	t.	PROPN
aijbms-280	217	37	s.	s.	PROPN
aijbms-280	217	38	(	(	PUNCT
aijbms-280	217	39	2021b	2021b	NUM
aijbms-280	217	40	)	)	PUNCT
aijbms-280	217	41	.	.	PUNCT
aijbms-280	218	1	present	present	ADJ
aijbms-280	218	2	situation	situation	NOUN
aijbms-280	218	3	of	of	ADP
aijbms-280	218	4	the	the	DET
aijbms-280	218	5	field	field	NOUN
aijbms-280	218	6	workers	worker	NOUN
aijbms-280	218	7	in	in	ADP
aijbms-280	218	8	the	the	DET
aijbms-280	218	9	development	development	NOUN
aijbms-280	218	10	sector	sector	NOUN
aijbms-280	218	11	:	:	PUNCT
aijbms-280	218	12	a	a	DET
aijbms-280	218	13	social	social	ADJ
aijbms-280	218	14	,	,	PUNCT
aijbms-280	218	15	financial	financial	ADJ
aijbms-280	218	16	and	and	CCONJ
aijbms-280	218	17	employment	employment	NOUN
aijbms-280	218	18	aspect	aspect	NOUN
aijbms-280	218	19	in	in	ADP
aijbms-280	218	20	bangladesh	bangladesh	PROPN
aijbms-280	218	21	.	.	PUNCT
aijbms-280	219	1	journal	journal	PROPN
aijbms-280	219	2	of	of	ADP
aijbms-280	219	3	southwest	southwest	PROPN
aijbms-280	219	4	jiaotong	jiaotong	PROPN
aijbms-280	219	5	university	university	PROPN
aijbms-280	219	6	,	,	PUNCT
aijbms-280	219	7	56(2	56(2	ADJ
aijbms-280	219	8	)	)	PUNCT
aijbms-280	219	9	.	.	PUNCT
aijbms-280	220	1	https://doi.org/10.35741/issn.0258-2724.56.2.29	https://doi.org/10.35741/issn.0258-2724.56.2.29	PROPN
aijbms-280	220	2	kabir	kabir	PROPN
aijbms-280	220	3	,	,	PUNCT
aijbms-280	220	4	m.	m.	PROPN
aijbms-280	220	5	r.	r.	PROPN
aijbms-280	220	6	,	,	PUNCT
aijbms-280	220	7	khan	khan	PROPN
aijbms-280	220	8	,	,	PUNCT
aijbms-280	220	9	s.	s.	PROPN
aijbms-280	220	10	,	,	PUNCT
aijbms-280	220	11	chowdhury	chowdhury	PROPN
aijbms-280	220	12	,	,	PUNCT
aijbms-280	220	13	s.	s.	PROPN
aijbms-280	220	14	,	,	PUNCT
aijbms-280	220	15	jahan	jahan	PROPN
aijbms-280	220	16	,	,	PUNCT
aijbms-280	220	17	s.	s.	PROPN
aijbms-280	220	18	,	,	PUNCT
aijbms-280	220	19	islam	islam	PROPN
aijbms-280	220	20	,	,	PUNCT
aijbms-280	220	21	k.	k.	PROPN
aijbms-280	220	22	a.	a.	PROPN
aijbms-280	220	23	,	,	PUNCT
aijbms-280	220	24	&	&	CCONJ
aijbms-280	220	25	zayed	zayed	ADJ
aijbms-280	220	26	,	,	PUNCT
aijbms-280	220	27	n.	n.	NOUN
aijbms-280	220	28	m.	m.	NOUN
aijbms-280	220	29	(	(	PUNCT
aijbms-280	220	30	2021	2021	NUM
aijbms-280	220	31	)	)	PUNCT
aijbms-280	220	32	.	.	PUNCT
aijbms-280	221	1	corruption	corruption	NOUN
aijbms-280	221	2	possibilities	possibility	NOUN
aijbms-280	221	3	in	in	ADP
aijbms-280	221	4	the	the	DET
aijbms-280	221	5	climate	climate	NOUN
aijbms-280	221	6	financing	financing	NOUN
aijbms-280	221	7	sector	sector	NOUN
aijbms-280	221	8	and	and	CCONJ
aijbms-280	221	9	role	role	NOUN
aijbms-280	221	10	of	of	ADP
aijbms-280	221	11	the	the	DET
aijbms-280	221	12	civil	civil	ADJ
aijbms-280	221	13	societies	society	NOUN
aijbms-280	221	14	in	in	ADP
aijbms-280	221	15	bangladesh	bangladesh	PROPN
aijbms-280	221	16	.	.	PUNCT
aijbms-280	222	1	journal	journal	PROPN
aijbms-280	222	2	of	of	ADP
aijbms-280	222	3	southwest	southwest	PROPN
aijbms-280	222	4	jiaotong	jiaotong	PROPN
aijbms-280	222	5	university	university	PROPN
aijbms-280	222	6	,	,	PUNCT
aijbms-280	222	7	56(2	56(2	ADJ
aijbms-280	222	8	)	)	PUNCT
aijbms-280	222	9	.	.	PUNCT
aijbms-280	223	1	https://doi.org/10.35741/issn.0258-2724.56.2.6	https://doi.org/10.35741/issn.0258-2724.56.2.6	PROPN
aijbms-280	223	2	khan	khan	PROPN
aijbms-280	223	3	,	,	PUNCT
aijbms-280	223	4	s.	s.	PROPN
aijbms-280	223	5	,	,	PUNCT
aijbms-280	223	6	zayed	zaye	VERB
aijbms-280	223	7	,	,	PUNCT
aijbms-280	223	8	n.	n.	NOUN
aijbms-280	223	9	m.	m.	NOUN
aijbms-280	223	10	,	,	PUNCT
aijbms-280	223	11	darwish	darwish	PROPN
aijbms-280	223	12	,	,	PUNCT
aijbms-280	223	13	s.	s.	PROPN
aijbms-280	223	14	,	,	PUNCT
aijbms-280	223	15	nitsenko	nitsenko	PROPN
aijbms-280	223	16	,	,	PUNCT
aijbms-280	223	17	v.	v.	PROPN
aijbms-280	223	18	,	,	PUNCT
aijbms-280	223	19	islam	islam	PROPN
aijbms-280	223	20	,	,	PUNCT
aijbms-280	223	21	k.	k.	PROPN
aijbms-280	223	22	m.	m.	PROPN
aijbms-280	223	23	a.	a.	PROPN
aijbms-280	223	24	,	,	PUNCT
aijbms-280	223	25	hassan	hassan	PROPN
aijbms-280	223	26	,	,	PUNCT
aijbms-280	223	27	m.	m.	NOUN
aijbms-280	223	28	a.	a.	PROPN
aijbms-280	223	29	,	,	PUNCT
aijbms-280	223	30	&	&	CCONJ
aijbms-280	223	31	dubrova	dubrova	PROPN
aijbms-280	223	32	,	,	PUNCT
aijbms-280	223	33	o.	o.	INTJ
aijbms-280	223	34	(	(	PUNCT
aijbms-280	223	35	2023	2023	NUM
aijbms-280	223	36	)	)	PUNCT
aijbms-280	223	37	.	.	PUNCT
aijbms-280	224	1	pre	pre	VERB
aijbms-280	224	2	and	and	CCONJ
aijbms-280	224	3	present	present	ADJ
aijbms-280	224	4	covid-19	covid-19	PROPN
aijbms-280	224	5	situation	situation	NOUN
aijbms-280	224	6	:	:	PUNCT
aijbms-280	224	7	a	a	DET
aijbms-280	224	8	framework	framework	NOUN
aijbms-280	224	9	of	of	ADP
aijbms-280	224	10	educational	educational	ADJ
aijbms-280	224	11	transformation	transformation	NOUN
aijbms-280	224	12	in	in	ADP
aijbms-280	224	13	south	south	PROPN
aijbms-280	224	14	asia	asia	PROPN
aijbms-280	224	15	region	region	PROPN
aijbms-280	224	16	.	.	PUNCT
aijbms-280	225	1	emerging	emerge	VERB
aijbms-280	225	2	science	science	NOUN
aijbms-280	225	3	journal	journal	NOUN
aijbms-280	225	4	,	,	PUNCT
aijbms-280	225	5	7	7	NUM
aijbms-280	225	6	,	,	PUNCT
aijbms-280	225	7	81	81	NUM
aijbms-280	225	8	-	-	SYM
aijbms-280	225	9	94	94	NUM
aijbms-280	225	10	.	.	PUNCT
aijbms-280	226	1	https://doi.org/10.28991/esj-2023-sper-06	https://doi.org/10.28991/esj-2023-sper-06	PUNCT
aijbms-280	226	2	ledgerwood	ledgerwood	PROPN
aijbms-280	226	3	,	,	PUNCT
aijbms-280	226	4	j.	j.	PROPN
aijbms-280	226	5	(	(	PUNCT
aijbms-280	226	6	1998	1998	NUM
aijbms-280	226	7	)	)	PUNCT
aijbms-280	226	8	.	.	PUNCT
aijbms-280	227	1	microfinance	microfinance	NOUN
aijbms-280	227	2	handbook	handbook	PROPN
aijbms-280	227	3	:	:	PUNCT
aijbms-280	227	4	an	an	DET
aijbms-280	227	5	institutional	institutional	ADJ
aijbms-280	227	6	and	and	CCONJ
aijbms-280	227	7	financial	financial	ADJ
aijbms-280	227	8	perspective	perspective	NOUN
aijbms-280	227	9	.	.	PUNCT
aijbms-280	228	1	washington	washington	PROPN
aijbms-280	228	2	,	,	PUNCT
aijbms-280	228	3	dc	dc	PROPN
aijbms-280	228	4	:	:	PUNCT
aijbms-280	228	5	world	world	PROPN
aijbms-280	228	6	bank	bank	PROPN
aijbms-280	228	7	.	.	PUNCT
aijbms-280	229	1	retrieved	retrieve	VERB
aijbms-280	229	2	from	from	ADP
aijbms-280	229	3	http://hdl.handle.net/10986/12383	http://hdl.handle.net/10986/12383	PROPN
aijbms-280	229	4	.	.	PUNCT
aijbms-280	230	1	lemeshow	lemeshow	PROPN
aijbms-280	230	2	,	,	PUNCT
aijbms-280	230	3	s.	s.	PROPN
aijbms-280	230	4	,	,	PUNCT
aijbms-280	230	5	hosmer	hosmer	PROPN
aijbms-280	230	6	,	,	PUNCT
aijbms-280	230	7	d.	d.	PROPN
aijbms-280	230	8	,	,	PUNCT
aijbms-280	230	9	klar	klar	PROPN
aijbms-280	230	10	,	,	PUNCT
aijbms-280	230	11	j.	j.	PROPN
aijbms-280	230	12	,	,	PUNCT
aijbms-280	230	13	lwanga	lwanga	PROPN
aijbms-280	230	14	,	,	PUNCT
aijbms-280	230	15	s.	s.	PROPN
aijbms-280	230	16	,	,	PUNCT
aijbms-280	230	17	lemeshow	lemeshow	PROPN
aijbms-280	230	18	,	,	PUNCT
aijbms-280	230	19	s.	s.	PROPN
aijbms-280	230	20	,	,	PUNCT
aijbms-280	230	21	hosmer	hosmer	PROPN
aijbms-280	230	22	,	,	PUNCT
aijbms-280	230	23	d.	d.	PROPN
aijbms-280	230	24	&	&	CCONJ
aijbms-280	230	25	lwanga	lwanga	PROPN
aijbms-280	230	26	,	,	PUNCT
aijbms-280	230	27	s.	s.	PROPN
aijbms-280	230	28	(	(	PUNCT
aijbms-280	230	29	1990	1990	NUM
aijbms-280	230	30	)	)	PUNCT
aijbms-280	230	31	.	.	PUNCT
aijbms-280	231	1	sample	sample	NOUN
aijbms-280	231	2	size	size	NOUN
aijbms-280	231	3	for	for	ADP
aijbms-280	231	4	sample	sample	NOUN
aijbms-280	231	5	surveys	survey	NOUN
aijbms-280	231	6	.	.	PUNCT
aijbms-280	232	1	lemeshow	lemeshow	PROPN
aijbms-280	232	2	s	s	PROPN
aijbms-280	232	3	,	,	PUNCT
aijbms-280	232	4	hosmer	hosmer	PROPN
aijbms-280	232	5	júnior	júnior	PROPN
aijbms-280	232	6	dw	dw	PROPN
aijbms-280	232	7	,	,	PUNCT
aijbms-280	232	8	klar	klar	PROPN
aijbms-280	232	9	j	j	PROPN
aijbms-280	232	10	,	,	PUNCT
aijbms-280	232	11	lwanga	lwanga	VERB
aijbms-280	232	12	sk	sk	PROPN
aijbms-280	232	13	.	.	PROPN
aijbms-280	232	14	adequacy	adequacy	NOUN
aijbms-280	232	15	of	of	ADP
aijbms-280	232	16	sample	sample	NOUN
aijbms-280	232	17	size	size	NOUN
aijbms-280	232	18	in	in	ADP
aijbms-280	232	19	health	health	NOUN
aijbms-280	232	20	studies	study	NOUN
aijbms-280	232	21	.	.	PUNCT
aijbms-280	233	1	chichester	chichester	PROPN
aijbms-280	233	2	:	:	PUNCT
aijbms-280	233	3	john	john	PROPN
aijbms-280	233	4	wiley	wiley	PROPN
aijbms-280	233	5	&	&	CCONJ
aijbms-280	233	6	sons	son	NOUN
aijbms-280	233	7	,	,	PUNCT
aijbms-280	233	8	41	41	NUM
aijbms-280	233	9	-	-	PUNCT
aijbms-280	233	10	7p	7p	NUM
aijbms-280	233	11	.	.	PUNCT
aijbms-280	233	12	mcguire	mcguire	PROPN
aijbms-280	233	13	,	,	PUNCT
aijbms-280	233	14	p.	p.	PROPN
aijbms-280	233	15	b.	b.	PROPN
aijbms-280	233	16	,	,	PUNCT
aijbms-280	233	17	&	&	CCONJ
aijbms-280	233	18	conroy	conroy	PROPN
aijbms-280	233	19	,	,	PUNCT
aijbms-280	233	20	j.	j.	PROPN
aijbms-280	233	21	d.	d.	PROPN
aijbms-280	233	22	(	(	PUNCT
aijbms-280	233	23	2000	2000	NUM
aijbms-280	233	24	)	)	PUNCT
aijbms-280	233	25	.	.	PUNCT
aijbms-280	234	1	the	the	DET
aijbms-280	234	2	microfinance	microfinance	NOUN
aijbms-280	234	3	phenomenon	phenomenon	NOUN
aijbms-280	234	4	.	.	PUNCT
aijbms-280	235	1	asia	asia	PROPN
aijbms-280	235	2	pacific	pacific	PROPN
aijbms-280	235	3	review	review	PROPN
aijbms-280	235	4	,	,	PUNCT
aijbms-280	235	5	7(1	7(1	NUM
aijbms-280	235	6	)	)	PUNCT
aijbms-280	235	7	,	,	PUNCT
aijbms-280	235	8	90	90	NUM
aijbms-280	235	9	-	-	SYM
aijbms-280	235	10	108	108	NUM
aijbms-280	235	11	.	.	PUNCT
aijbms-280	236	1	https://doi.org/10.1080/713650817	https://doi.org/10.1080/713650817	NOUN
aijbms-280	236	2	.	.	PUNCT
aijbms-280	237	1	mia	mia	PROPN
aijbms-280	237	2	,	,	PUNCT
aijbms-280	237	3	m.	m.	NOUN
aijbms-280	237	4	m.	m.	NOUN
aijbms-280	237	5	,	,	PUNCT
aijbms-280	237	6	zayed	zaye	VERB
aijbms-280	237	7	,	,	PUNCT
aijbms-280	237	8	n.	n.	NOUN
aijbms-280	237	9	m.	m.	NOUN
aijbms-280	237	10	,	,	PUNCT
aijbms-280	237	11	islam	islam	PROPN
aijbms-280	237	12	,	,	PUNCT
aijbms-280	237	13	k.	k.	PROPN
aijbms-280	237	14	m.	m.	PROPN
aijbms-280	237	15	a.	a.	PROPN
aijbms-280	237	16	,	,	PUNCT
aijbms-280	237	17	nitsenko	nitsenko	PROPN
aijbms-280	237	18	,	,	PUNCT
aijbms-280	237	19	v.	v.	PROPN
aijbms-280	237	20	,	,	PUNCT
aijbms-280	237	21	matusevych	matusevych	PROPN
aijbms-280	237	22	,	,	PUNCT
aijbms-280	237	23	t.	t.	PROPN
aijbms-280	237	24	,	,	PUNCT
aijbms-280	237	25	&	&	CCONJ
aijbms-280	237	26	mordous	mordous	ADJ
aijbms-280	237	27	,	,	PUNCT
aijbms-280	237	28	i.	i.	NOUN
aijbms-280	237	29	(	(	PUNCT
aijbms-280	237	30	2022	2022	NUM
aijbms-280	237	31	)	)	PUNCT
aijbms-280	237	32	.	.	PUNCT
aijbms-280	238	1	the	the	DET
aijbms-280	238	2	strategy	strategy	NOUN
aijbms-280	238	3	of	of	ADP
aijbms-280	238	4	factors	factor	NOUN
aijbms-280	238	5	influencing	influence	VERB
aijbms-280	238	6	learning	learn	VERB
aijbms-280	238	7	satisfaction	satisfaction	NOUN
aijbms-280	238	8	explored	explore	VERB
aijbms-280	238	9	by	by	ADP
aijbms-280	238	10	first	first	ADJ
aijbms-280	238	11	and	and	CCONJ
aijbms-280	238	12	second	second	ADJ
aijbms-280	238	13	-	-	PUNCT
aijbms-280	238	14	order	order	NOUN
aijbms-280	238	15	structural	structural	ADJ
aijbms-280	238	16	equation	equation	NOUN
aijbms-280	238	17	modeling	modeling	NOUN
aijbms-280	238	18	(	(	PUNCT
aijbms-280	238	19	sem	sem	NOUN
aijbms-280	238	20	)	)	PUNCT
aijbms-280	238	21	.	.	PUNCT
aijbms-280	239	1	inventions	invention	NOUN
aijbms-280	239	2	,	,	PUNCT
aijbms-280	239	3	7(3	7(3	NUM
aijbms-280	239	4	)	)	PUNCT
aijbms-280	239	5	,	,	PUNCT
aijbms-280	239	6	59	59	NUM
aijbms-280	239	7	.	.	PUNCT
aijbms-280	239	8	https://doi.org/10.3390/inventions7030059	https://doi.org/10.3390/inventions7030059	PROPN
aijbms-280	239	9	nayeen	nayeen	PROPN
aijbms-280	239	10	,	,	PUNCT
aijbms-280	239	11	c.	c.	PROPN
aijbms-280	239	12	j.	j.	PROPN
aijbms-280	239	13	,	,	PUNCT
aijbms-280	239	14	islam	islam	PROPN
aijbms-280	239	15	,	,	PUNCT
aijbms-280	239	16	k.	k.	PROPN
aijbms-280	239	17	m.	m.	PROPN
aijbms-280	239	18	a.	a.	PROPN
aijbms-280	239	19	,	,	PUNCT
aijbms-280	239	20	chowdhury	chowdhury	PROPN
aijbms-280	239	21	,	,	PUNCT
aijbms-280	239	22	f.	f.	PROPN
aijbms-280	239	23	n.	n.	PROPN
aijbms-280	239	24	,	,	PUNCT
aijbms-280	239	25	&	&	CCONJ
aijbms-280	239	26	zayed	zayed	ADJ
aijbms-280	239	27	,	,	PUNCT
aijbms-280	239	28	n.	n.	NOUN
aijbms-280	239	29	m.	m.	NOUN
aijbms-280	239	30	(	(	PUNCT
aijbms-280	239	31	2020	2020	NUM
aijbms-280	239	32	)	)	PUNCT
aijbms-280	239	33	.	.	PUNCT
aijbms-280	240	1	testing	test	VERB
aijbms-280	240	2	communicative	communicative	ADJ
aijbms-280	240	3	language	language	NOUN
aijbms-280	240	4	teaching	teaching	NOUN
aijbms-280	240	5	(	(	PUNCT
aijbms-280	240	6	clt	clt	PROPN
aijbms-280	240	7	)	)	PUNCT
aijbms-280	240	8	through	through	ADP
aijbms-280	240	9	english	english	PROPN
aijbms-280	240	10	for	for	ADP
aijbms-280	240	11	today	today	NOUN
aijbms-280	240	12	(	(	PUNCT
aijbms-280	240	13	eft	eft	PROPN
aijbms-280	240	14	)	)	PUNCT
aijbms-280	240	15	in	in	ADP
aijbms-280	240	16	bangladesh	bangladesh	NOUN
aijbms-280	240	17	:	:	PUNCT
aijbms-280	240	18	challenges	challenge	NOUN
aijbms-280	240	19	faced	face	VERB
aijbms-280	240	20	by	by	ADP
aijbms-280	240	21	tertiary	tertiary	ADJ
aijbms-280	240	22	students	student	NOUN
aijbms-280	240	23	initially	initially	ADV
aijbms-280	240	24	.	.	PUNCT
aijbms-280	241	1	american	american	PROPN
aijbms-280	241	2	international	international	PROPN
aijbms-280	241	3	journal	journal	PROPN
aijbms-280	241	4	of	of	ADP
aijbms-280	241	5	education	education	NOUN
aijbms-280	241	6	and	and	CCONJ
aijbms-280	241	7	linguistics	linguistics	PROPN
aijbms-280	241	8	research	research	NOUN
aijbms-280	241	9	,	,	PUNCT
aijbms-280	241	10	3(2	3(2	NUM
aijbms-280	241	11	)	)	PUNCT
aijbms-280	241	12	,	,	PUNCT
aijbms-280	241	13	19	19	NUM
aijbms-280	241	14	-	-	SYM
aijbms-280	241	15	27	27	NUM
aijbms-280	241	16	.	.	PUNCT
aijbms-280	242	1	nahar	nahar	PROPN
aijbms-280	242	2	,	,	PUNCT
aijbms-280	242	3	s.	s.	PROPN
aijbms-280	242	4	,	,	PUNCT
aijbms-280	242	5	meero	meero	NOUN
aijbms-280	242	6	,	,	PUNCT
aijbms-280	242	7	a.	a.	NOUN
aijbms-280	242	8	,	,	PUNCT
aijbms-280	242	9	rahman	rahman	PROPN
aijbms-280	242	10	,	,	PUNCT
aijbms-280	242	11	a.	a.	PROPN
aijbms-280	242	12	a.	a.	PROPN
aijbms-280	242	13	a.	a.	PROPN
aijbms-280	242	14	,	,	PUNCT
aijbms-280	242	15	hasan	hasan	PROPN
aijbms-280	242	16	,	,	PUNCT
aijbms-280	242	17	k.	k.	PROPN
aijbms-280	242	18	b.	b.	PROPN
aijbms-280	242	19	m.	m.	PROPN
aijbms-280	242	20	r.	r.	PROPN
aijbms-280	242	21	,	,	PUNCT
aijbms-280	242	22	islam	islam	PROPN
aijbms-280	242	23	,	,	PUNCT
aijbms-280	242	24	k.	k.	PROPN
aijbms-280	242	25	m.	m.	PROPN
aijbms-280	242	26	a.	a.	PROPN
aijbms-280	242	27	,	,	PUNCT
aijbms-280	242	28	zayed	zaye	VERB
aijbms-280	242	29	,	,	PUNCT
aijbms-280	242	30	n.	n.	NOUN
aijbms-280	242	31	m.	m.	NOUN
aijbms-280	242	32	,	,	PUNCT
aijbms-280	242	33	faisal	faisal	NOUN
aijbms-280	242	34	-	-	PUNCT
aijbms-280	242	35	e	e	PROPN
aijbms-280	242	36	-	-	ADJ
aijbms-280	242	37	alam	alam	ADJ
aijbms-280	242	38	,	,	PUNCT
aijbms-280	242	39	m.	m.	NOUN
aijbms-280	242	40	(	(	PUNCT
aijbms-280	242	41	2021	2021	NUM
aijbms-280	242	42	)	)	PUNCT
aijbms-280	242	43	.	.	PUNCT
aijbms-280	243	1	analysis	analysis	NOUN
aijbms-280	243	2	on	on	ADP
aijbms-280	243	3	the	the	DET
aijbms-280	243	4	marketing	marketing	NOUN
aijbms-280	243	5	strategy	strategy	NOUN
aijbms-280	243	6	and	and	CCONJ
aijbms-280	243	7	competitive	competitive	ADJ
aijbms-280	243	8	advantage	advantage	NOUN
aijbms-280	243	9	of	of	ADP
aijbms-280	243	10	banking	banking	NOUN
aijbms-280	243	11	industry	industry	NOUN
aijbms-280	243	12	in	in	ADP
aijbms-280	243	13	bangladesh	bangladesh	PROPN
aijbms-280	243	14	:	:	PUNCT
aijbms-280	243	15	an	an	DET
aijbms-280	243	16	entrepreneurial	entrepreneurial	ADJ
aijbms-280	243	17	case	case	NOUN
aijbms-280	243	18	study	study	NOUN
aijbms-280	243	19	of	of	ADP
aijbms-280	243	20	hsbc	hsbc	PROPN
aijbms-280	243	21	bank	bank	PROPN
aijbms-280	243	22	.	.	PUNCT
aijbms-280	244	1	academy	academy	PROPN
aijbms-280	244	2	of	of	ADP
aijbms-280	244	3	entrepreneurship	entrepreneurship	NOUN
aijbms-280	244	4	journal	journal	NOUN
aijbms-280	244	5	,	,	PUNCT
aijbms-280	244	6	27(4	27(4	PROPN
aijbms-280	244	7	)	)	PUNCT
aijbms-280	244	8	.	.	PUNCT
aijbms-280	245	1	1	1	NUM
aijbms-280	245	2	-	-	SYM
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aijbms-280	252	30	from	from	ADP
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aijbms-280	255	8	-	-	SYM
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aijbms-280	255	10	.	.	PUNCT
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aijbms-280	259	7	-	-	SYM
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aijbms-280	259	9	.	.	PUNCT
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aijbms-280	260	13	)	)	PUNCT
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aijbms-280	269	34	(	(	PUNCT
aijbms-280	269	35	2022	2022	NUM
aijbms-280	269	36	)	)	PUNCT
aijbms-280	269	37	.	.	PUNCT
aijbms-280	270	1	fitting	fitting	ADJ
aijbms-280	270	2	multi	multi	ADJ
aijbms-280	270	3	-	-	ADJ
aijbms-280	270	4	layer	layer	NOUN
aijbms-280	270	5	feed	feed	NOUN
aijbms-280	270	6	forward	forward	ADV
aijbms-280	270	7	neural	neural	ADJ
aijbms-280	270	8	network	network	NOUN
aijbms-280	270	9	and	and	CCONJ
aijbms-280	270	10	autoregressive	autoregressive	ADJ
aijbms-280	270	11	integrated	integrated	ADJ
aijbms-280	270	12	moving	move	VERB
aijbms-280	270	13	average	average	NOUN
aijbms-280	270	14	for	for	ADP
aijbms-280	270	15	dhaka	dhaka	PROPN
aijbms-280	270	16	stock	stock	PROPN
aijbms-280	270	17	exchange	exchange	PROPN
aijbms-280	270	18	price	price	NOUN
aijbms-280	270	19	predicting	predicting	NOUN
aijbms-280	270	20	.	.	PUNCT
aijbms-280	271	1	emerging	emerge	VERB
aijbms-280	271	2	science	science	NOUN
aijbms-280	271	3	journal	journal	NOUN
aijbms-280	271	4	,	,	PUNCT
aijbms-280	271	5	6(5	6(5	NUM
aijbms-280	271	6	)	)	PUNCT
aijbms-280	271	7	,	,	PUNCT
aijbms-280	271	8	1046	1046	NUM
aijbms-280	271	9	-	-	SYM
aijbms-280	271	10	1061	1061	NUM
aijbms-280	271	11	.	.	PUNCT
aijbms-280	272	1	https://doi.org/10.28991/esj-2022-06-05-09	https://doi.org/10.28991/esj-2022-06-05-09	PROPN
aijbms-280	272	2	rahman	rahman	PROPN
aijbms-280	272	3	,	,	PUNCT
aijbms-280	272	4	a.	a.	PROPN
aijbms-280	272	5	a.	a.	PROPN
aijbms-280	272	6	a.	a.	PROPN
aijbms-280	272	7	,	,	PUNCT
aijbms-280	272	8	darwish	darwish	PROPN
aijbms-280	272	9	,	,	PUNCT
aijbms-280	272	10	s.	s.	PROPN
aijbms-280	272	11	,	,	PUNCT
aijbms-280	272	12	meero	meero	NOUN
aijbms-280	272	13	,	,	PUNCT
aijbms-280	272	14	a.	a.	NOUN
aijbms-280	272	15	,	,	PUNCT
aijbms-280	272	16	zayed	zaye	VERB
aijbms-280	272	17	,	,	PUNCT
aijbms-280	272	18	n.	n.	NOUN
aijbms-280	272	19	m.	m.	NOUN
aijbms-280	272	20	,	,	PUNCT
aijbms-280	272	21	islam	islam	PROPN
aijbms-280	272	22	,	,	PUNCT
aijbms-280	272	23	k.	k.	PROPN
aijbms-280	272	24	m.	m.	PROPN
aijbms-280	272	25	a.	a.	PROPN
aijbms-280	272	26	,	,	PUNCT
aijbms-280	272	27	raisa	raisa	PROPN
aijbms-280	272	28	,	,	PUNCT
aijbms-280	272	29	t.	t.	PROPN
aijbms-280	272	30	s.	s.	PROPN
aijbms-280	272	31	(	(	PUNCT
aijbms-280	272	32	2021b	2021b	NUM
aijbms-280	272	33	)	)	PUNCT
aijbms-280	272	34	.	.	PUNCT
aijbms-280	273	1	emerging	emerge	VERB
aijbms-280	273	2	strategies	strategy	NOUN
aijbms-280	273	3	and	and	CCONJ
aijbms-280	273	4	economic	economic	ADJ
aijbms-280	273	5	impact	impact	NOUN
aijbms-280	273	6	of	of	ADP
aijbms-280	273	7	covid-19	covid-19	PROPN
aijbms-280	273	8	:	:	PUNCT
aijbms-280	273	9	a	a	DET
aijbms-280	273	10	case	case	NOUN
aijbms-280	273	11	study	study	NOUN
aijbms-280	273	12	of	of	ADP
aijbms-280	273	13	gulf	gulf	PROPN
aijbms-280	273	14	cooperation	cooperation	NOUN
aijbms-280	273	15	council	council	NOUN
aijbms-280	273	16	countries	country	NOUN
aijbms-280	273	17	(	(	PUNCT
aijbms-280	273	18	gcc	gcc	NOUN
aijbms-280	273	19	)	)	PUNCT
aijbms-280	273	20	.	.	PUNCT
aijbms-280	274	1	academy	academy	NOUN
aijbms-280	274	2	of	of	ADP
aijbms-280	274	3	strategic	strategic	ADJ
aijbms-280	274	4	management	management	NOUN
aijbms-280	274	5	journal	journal	NOUN
aijbms-280	274	6	,	,	PUNCT
aijbms-280	274	7	20(1	20(1	NUM
aijbms-280	274	8	)	)	PUNCT
aijbms-280	274	9	.	.	PUNCT
aijbms-280	275	1	1	1	NUM
aijbms-280	275	2	-	-	SYM
aijbms-280	275	3	10	10	NUM
aijbms-280	275	4	retrieved	retrieve	VERB
aijbms-280	275	5	from	from	ADP
aijbms-280	275	6	https://www.abacademies.org/articles/emerging-strategies-and-economic-impact-of-covid19-a-case-study-ofgulf-cooperation-council-countries-gcc-11270.html	https://www.abacademies.org/articles/emerging-strategies-and-economic-impact-of-covid19-a-case-study-ofgulf-cooperation-council-countries-gcc-11270.html	NOUN
aijbms-280	275	7	shahriar	shahriar	NOUN
aijbms-280	275	8	,	,	PUNCT
aijbms-280	275	9	m.	m.	NOUN
aijbms-280	275	10	s.	s.	PROPN
aijbms-280	275	11	,	,	PUNCT
aijbms-280	275	12	islam	islam	PROPN
aijbms-280	275	13	,	,	PUNCT
aijbms-280	275	14	k.	k.	PROPN
aijbms-280	275	15	m.	m.	PROPN
aijbms-280	275	16	a.	a.	PROPN
aijbms-280	275	17	,	,	PUNCT
aijbms-280	275	18	zayed	zaye	VERB
aijbms-280	275	19	,	,	PUNCT
aijbms-280	275	20	n.	n.	NOUN
aijbms-280	275	21	m.	m.	NOUN
aijbms-280	275	22	,	,	PUNCT
aijbms-280	275	23	hasan	hasan	PROPN
aijbms-280	275	24	,	,	PUNCT
aijbms-280	275	25	k.	k.	PROPN
aijbms-280	275	26	b.	b.	PROPN
aijbms-280	275	27	m.	m.	PROPN
aijbms-280	275	28	r.	r.	PROPN
aijbms-280	275	29	,	,	PUNCT
aijbms-280	275	30	&	&	CCONJ
aijbms-280	275	31	raisa	raisa	PROPN
aijbms-280	275	32	,	,	PUNCT
aijbms-280	275	33	t.	t.	PROPN
aijbms-280	275	34	s.	s.	PROPN
aijbms-280	275	35	(	(	PUNCT
aijbms-280	275	36	2021a	2021a	NUM
aijbms-280	275	37	)	)	PUNCT
aijbms-280	275	38	.	.	PUNCT
aijbms-280	276	1	the	the	DET
aijbms-280	276	2	impact	impact	NOUN
aijbms-280	276	3	of	of	ADP
aijbms-280	276	4	covid-19	covid-19	PROPN
aijbms-280	276	5	on	on	ADP
aijbms-280	276	6	bangladesh	bangladesh	PROPN
aijbms-280	276	7	’s	’s	PART
aijbms-280	276	8	economy	economy	NOUN
aijbms-280	276	9	:	:	PUNCT
aijbms-280	276	10	a	a	DET
aijbms-280	276	11	focus	focus	NOUN
aijbms-280	276	12	on	on	ADP
aijbms-280	276	13	graduate	graduate	ADJ
aijbms-280	276	14	employability	employability	NOUN
aijbms-280	276	15	.	.	PUNCT
aijbms-280	277	1	the	the	DET
aijbms-280	277	2	journal	journal	NOUN
aijbms-280	277	3	of	of	ADP
aijbms-280	277	4	asian	asian	ADJ
aijbms-280	277	5	finance	finance	NOUN
aijbms-280	277	6	,	,	PUNCT
aijbms-280	277	7	economics	economic	NOUN
aijbms-280	277	8	and	and	CCONJ
aijbms-280	277	9	business	business	NOUN
aijbms-280	277	10	,	,	PUNCT
aijbms-280	277	11	8(3	8(3	NUM
aijbms-280	277	12	)	)	PUNCT
aijbms-280	277	13	,	,	PUNCT
aijbms-280	277	14	1395–1403	1395–1403	NUM
aijbms-280	277	15	.	.	PUNCT
aijbms-280	278	1	https://doi.org/10.13106/jafeb.2021.vol8.no3.1395	https://doi.org/10.13106/jafeb.2021.vol8.no3.1395	NOUN
aijbms-280	278	2	shayery	shayery	NOUN
aijbms-280	278	3	,	,	PUNCT
aijbms-280	278	4	a.	a.	PROPN
aijbms-280	278	5	j.	j.	PROPN
aijbms-280	278	6	,	,	PUNCT
aijbms-280	278	7	zayed	zayed	PROPN
aijbms-280	278	8	,	,	PUNCT
aijbms-280	278	9	n.	n.	NOUN
aijbms-280	278	10	m.	m.	NOUN
aijbms-280	278	11	,	,	PUNCT
aijbms-280	278	12	islam	islam	PROPN
aijbms-280	278	13	,	,	PUNCT
aijbms-280	278	14	k.	k.	PROPN
aijbms-280	278	15	m.	m.	PROPN
aijbms-280	278	16	a.	a.	PROPN
aijbms-280	278	17	,	,	PUNCT
aijbms-280	278	18	hossain	hossain	PROPN
aijbms-280	278	19	,	,	PUNCT
aijbms-280	278	20	m.	m.	PROPN
aijbms-280	278	21	f.	f.	PROPN
aijbms-280	278	22	,	,	PUNCT
aijbms-280	278	23	nitsenko	nitsenko	PROPN
aijbms-280	278	24	,	,	PUNCT
aijbms-280	278	25	v.	v.	PROPN
aijbms-280	278	26	s.	s.	PROPN
aijbms-280	278	27	,	,	PUNCT
aijbms-280	278	28	&	&	CCONJ
aijbms-280	278	29	imran	imran	PROPN
aijbms-280	278	30	,	,	PUNCT
aijbms-280	278	31	m.	m.	NOUN
aijbms-280	278	32	a.	a.	NOUN
aijbms-280	278	33	(	(	PUNCT
aijbms-280	278	34	2022	2022	NUM
aijbms-280	278	35	)	)	PUNCT
aijbms-280	278	36	.	.	PUNCT
aijbms-280	279	1	the	the	DET
aijbms-280	279	2	impact	impact	NOUN
aijbms-280	279	3	of	of	ADP
aijbms-280	279	4	internationalization	internationalization	NOUN
aijbms-280	279	5	to	to	PART
aijbms-280	279	6	improve	improve	VERB
aijbms-280	279	7	and	and	CCONJ
aijbms-280	279	8	ensure	ensure	VERB
aijbms-280	279	9	quality	quality	NOUN
aijbms-280	279	10	education	education	NOUN
aijbms-280	279	11	:	:	PUNCT
aijbms-280	279	12	a	a	DET
aijbms-280	279	13	case	case	NOUN
aijbms-280	279	14	study	study	NOUN
aijbms-280	279	15	of	of	ADP
aijbms-280	279	16	daffodil	daffodil	ADJ
aijbms-280	279	17	international	international	ADJ
aijbms-280	279	18	university	university	NOUN
aijbms-280	279	19	(	(	PUNCT
aijbms-280	279	20	bangladesh	bangladesh	PROPN
aijbms-280	279	21	)	)	PUNCT
aijbms-280	279	22	.	.	PUNCT
aijbms-280	280	1	natsional'nyi	natsional'nyi	PRON
aijbms-280	280	2	hirnychyi	hirnychyi	PROPN
aijbms-280	280	3	universytet	universytet	NOUN
aijbms-280	280	4	.	.	PUNCT
aijbms-280	281	1	naukovyi	naukovyi	PROPN
aijbms-280	281	2	visnyk	visnyk	ADV
aijbms-280	281	3	,	,	PUNCT
aijbms-280	281	4	(	(	PUNCT
aijbms-280	281	5	6	6	NUM
aijbms-280	281	6	)	)	PUNCT
aijbms-280	281	7	,	,	PUNCT
aijbms-280	281	8	160	160	NUM
aijbms-280	281	9	-	-	SYM
aijbms-280	281	10	169	169	NUM
aijbms-280	281	11	.	.	PUNCT
aijbms-280	282	1	https://doi.org/10.33271/nvngu/2022-6/160	https://doi.org/10.33271/nvngu/2022-6/160	NOUN
aijbms-280	282	2	shahriar	shahriar	PROPN
aijbms-280	282	3	,	,	PUNCT
aijbms-280	282	4	m.s	m.s	PROPN
aijbms-280	282	5	.	.	PROPN
aijbms-280	282	6	,	,	PUNCT
aijbms-280	282	7	hasan	hasan	PROPN
aijbms-280	282	8	,	,	PUNCT
aijbms-280	282	9	k.b.m.r	k.b.m.r	PROPN
aijbms-280	282	10	.	.	PROPN
aijbms-280	282	11	,	,	PUNCT
aijbms-280	282	12	hossain	hossain	PROPN
aijbms-280	282	13	,	,	PUNCT
aijbms-280	282	14	t.	t.	PROPN
aijbms-280	282	15	,	,	PUNCT
aijbms-280	282	16	beg	beg	INTJ
aijbms-280	282	17	,	,	PUNCT
aijbms-280	282	18	t.h	t.h	PROPN
aijbms-280	282	19	.	.	PROPN
aijbms-280	282	20	,	,	PUNCT
aijbms-280	282	21	islam	islam	PROPN
aijbms-280	282	22	,	,	PUNCT
aijbms-280	282	23	k.m.a	k.m.a	NOUN
aijbms-280	282	24	.	.	PROPN
aijbms-280	282	25	,	,	PUNCT
aijbms-280	282	26	&	&	CCONJ
aijbms-280	282	27	zayed	zayed	PROPN
aijbms-280	282	28	,	,	PUNCT
aijbms-280	282	29	n.m	n.m	PROPN
aijbms-280	282	30	.	.	PROPN
aijbms-280	282	31	(	(	PUNCT
aijbms-280	282	32	2021b	2021b	NUM
aijbms-280	282	33	)	)	PUNCT
aijbms-280	282	34	.	.	PUNCT
aijbms-280	283	1	financial	financial	ADJ
aijbms-280	283	2	decision	decision	NOUN
aijbms-280	283	3	making	make	VERB
aijbms-280	283	4	and	and	CCONJ
aijbms-280	283	5	forecasting	forecast	VERB
aijbms-280	283	6	techniques	technique	NOUN
aijbms-280	283	7	on	on	ADP
aijbms-280	283	8	project	project	NOUN
aijbms-280	283	9	evaluation	evaluation	NOUN
aijbms-280	283	10	:	:	PUNCT
aijbms-280	283	11	a	a	DET
aijbms-280	283	12	planning	planning	NOUN
aijbms-280	283	13	,	,	PUNCT
aijbms-280	283	14	development	development	NOUN
aijbms-280	283	15	and	and	CCONJ
aijbms-280	283	16	entrepreneurial	entrepreneurial	ADJ
aijbms-280	283	17	perspective	perspective	NOUN
aijbms-280	283	18	.	.	PUNCT
aijbms-280	284	1	academy	academy	NOUN
aijbms-280	284	2	of	of	ADP
aijbms-280	284	3	entrepreneurship	entrepreneurship	NOUN
aijbms-280	284	4	journal	journal	NOUN
aijbms-280	284	5	,	,	PUNCT
aijbms-280	284	6	27(4	27(4	PROPN
aijbms-280	284	7	)	)	PUNCT
aijbms-280	284	8	,	,	PUNCT
aijbms-280	284	9	1	1	NUM
aijbms-280	284	10	-	-	SYM
aijbms-280	284	11	7	7	NUM
aijbms-280	284	12	.	.	PUNCT
aijbms-280	284	13	retrieved	retrieve	VERB
aijbms-280	284	14	from	from	ADP
aijbms-280	284	15	https://www.abacademies.org/articles/financial-decision-making-and-forecasting-techniques-on-projectevaluation-a-planning-development-1528-2686-27-4-553.pdf	https://www.abacademies.org/articles/financial-decision-making-and-forecasting-techniques-on-projectevaluation-a-planning-development-1528-2686-27-4-553.pdf	NOUN
aijbms-280	284	16	schreiner	schreiner	NOUN
aijbms-280	284	17	,	,	PUNCT
aijbms-280	284	18	m.	m.	NOUN
aijbms-280	284	19	,	,	PUNCT
aijbms-280	284	20	&	&	CCONJ
aijbms-280	284	21	colombet	colombet	PROPN
aijbms-280	284	22	,	,	PUNCT
aijbms-280	284	23	h.	h.	PROPN
aijbms-280	284	24	h.	h.	PROPN
aijbms-280	284	25	(	(	PUNCT
aijbms-280	284	26	2001	2001	NUM
aijbms-280	284	27	)	)	PUNCT
aijbms-280	284	28	.	.	PUNCT
aijbms-280	285	1	from	from	ADP
aijbms-280	285	2	urban	urban	ADJ
aijbms-280	285	3	to	to	ADP
aijbms-280	285	4	rural	rural	ADJ
aijbms-280	285	5	:	:	PUNCT
aijbms-280	285	6	lessons	lesson	NOUN
aijbms-280	285	7	for	for	ADP
aijbms-280	285	8	microfinance	microfinance	NOUN
aijbms-280	285	9	from	from	ADP
aijbms-280	285	10	argentina	argentina	PROPN
aijbms-280	285	11	.	.	PUNCT
aijbms-280	286	1	development	development	NOUN
aijbms-280	286	2	policy	policy	PROPN
aijbms-280	286	3	review	review	PROPN
aijbms-280	286	4	,	,	PUNCT
aijbms-280	286	5	19(3	19(3	NUM
aijbms-280	286	6	)	)	PUNCT
aijbms-280	286	7	,	,	PUNCT
aijbms-280	286	8	339	339	NUM
aijbms-280	286	9	-	-	SYM
aijbms-280	286	10	354	354	NUM
aijbms-280	286	11	.	.	PUNCT
aijbms-280	286	12	https://doi.org/10.1111/1467-7679.00138	https://doi.org/10.1111/1467-7679.00138	PROPN
aijbms-280	286	13	.	.	PUNCT
aijbms-280	287	1	uncdf	uncdf	PROPN
aijbms-280	287	2	.	.	PUNCT
aijbms-280	288	1	(	(	PUNCT
aijbms-280	288	2	2018	2018	NUM
aijbms-280	288	3	)	)	PUNCT
aijbms-280	288	4	.	.	PUNCT
aijbms-280	289	1	core	core	NOUN
aijbms-280	289	2	performance	performance	NOUN
aijbms-280	289	3	indicators	indicator	NOUN
aijbms-280	289	4	for	for	ADP
aijbms-280	289	5	microfinance	microfinance	NOUN
aijbms-280	289	6	.	.	PUNCT
aijbms-280	290	1	united	united	PROPN
aijbms-280	290	2	nations	nations	PROPN
aijbms-280	290	3	capital	capital	PROPN
aijbms-280	290	4	development	development	PROPN
aijbms-280	290	5	fund	fund	PROPN
aijbms-280	290	6	.	.	PUNCT
aijbms-280	291	1	retrieved	retrieve	VERB
aijbms-280	291	2	from	from	ADP
aijbms-280	291	3	https://www.uncdf.org/article/531/core-performance-indicators-for-microfinance-migration	https://www.uncdf.org/article/531/core-performance-indicators-for-microfinance-migration	PROPN
aijbms-280	291	4	.	.	PUNCT
aijbms-280	292	1	wajdi	wajdi	PROPN
aijbms-280	292	2	dusuki	dusuki	PROPN
aijbms-280	292	3	,	,	PUNCT
aijbms-280	292	4	a.	a.	NOUN
aijbms-280	292	5	(	(	PUNCT
aijbms-280	292	6	2008	2008	NUM
aijbms-280	292	7	)	)	PUNCT
aijbms-280	292	8	.	.	PUNCT
aijbms-280	293	1	banking	bank	VERB
aijbms-280	293	2	for	for	ADP
aijbms-280	293	3	the	the	DET
aijbms-280	293	4	poor	poor	ADJ
aijbms-280	293	5	:	:	PUNCT
aijbms-280	293	6	the	the	DET
aijbms-280	293	7	role	role	NOUN
aijbms-280	293	8	of	of	ADP
aijbms-280	293	9	islamic	islamic	ADJ
aijbms-280	293	10	banking	banking	NOUN
aijbms-280	293	11	in	in	ADP
aijbms-280	293	12	microfinance	microfinance	NOUN
aijbms-280	293	13	initiatives	initiative	NOUN
aijbms-280	293	14	.	.	PUNCT
aijbms-280	294	1	humanomics	humanomic	NOUN
aijbms-280	294	2	,	,	PUNCT
aijbms-280	294	3	24(1	24(1	NUM
aijbms-280	294	4	)	)	PUNCT
aijbms-280	294	5	,	,	PUNCT
aijbms-280	294	6	49	49	NUM
aijbms-280	294	7	-	-	SYM
aijbms-280	294	8	66	66	NUM
aijbms-280	294	9	.	.	PUNCT
aijbms-280	295	1	https://doi.org/10.1108/08288660810851469	https://doi.org/10.1108/08288660810851469	NOUN
aijbms-280	295	2	.	.	PROPN
aijbms-280	295	3	worldatlas	worldatlas	PROPN
aijbms-280	295	4	.	.	PUNCT
aijbms-280	296	1	(	(	PUNCT
aijbms-280	296	2	2021	2021	NUM
aijbms-280	296	3	)	)	PUNCT
aijbms-280	296	4	.	.	PUNCT
aijbms-280	297	1	somalia	somalia	PROPN
aijbms-280	297	2	maps	maps	PROPN
aijbms-280	297	3	&	&	CCONJ
aijbms-280	297	4	facts	fact	NOUN
aijbms-280	297	5	.	.	PUNCT
aijbms-280	298	1	worldatlas	worldatla	NOUN
aijbms-280	298	2	.	.	PUNCT
aijbms-280	298	3	retrieved	retrieve	VERB
aijbms-280	298	4	from	from	ADP
aijbms-280	298	5	https://www.worldatlas.com/maps/somalia	https://www.worldatlas.com/maps/somalia	PROPN
aijbms-280	298	6	.	.	PUNCT
aijbms-280	299	1	xalane	xalane	PROPN
aijbms-280	299	2	,	,	PUNCT
aijbms-280	299	3	m.	m.	PROPN
aijbms-280	299	4	a.	a.	PROPN
aijbms-280	299	5	e.	e.	PROPN
aijbms-280	299	6	,	,	PUNCT
aijbms-280	299	7	&	&	CCONJ
aijbms-280	299	8	salleh	salleh	PROPN
aijbms-280	299	9	,	,	PUNCT
aijbms-280	299	10	m.	m.	NOUN
aijbms-280	299	11	c.	c.	PROPN
aijbms-280	299	12	m.	m.	PROPN
aijbms-280	299	13	(	(	PUNCT
aijbms-280	299	14	2019	2019	NUM
aijbms-280	299	15	)	)	PUNCT
aijbms-280	299	16	.	.	PUNCT
aijbms-280	300	1	the	the	DET
aijbms-280	300	2	role	role	NOUN
aijbms-280	300	3	of	of	ADP
aijbms-280	300	4	islamic	islamic	ADJ
aijbms-280	300	5	microfinance	microfinance	NOUN
aijbms-280	300	6	for	for	ADP
aijbms-280	300	7	poverty	poverty	NOUN
aijbms-280	300	8	alleviation	alleviation	NOUN
aijbms-280	300	9	in	in	ADP
aijbms-280	300	10	mogadishu	mogadishu	PROPN
aijbms-280	300	11	,	,	PUNCT
aijbms-280	300	12	somalia	somalia	PROPN
aijbms-280	300	13	:	:	PUNCT
aijbms-280	300	14	an	an	DET
aijbms-280	300	15	exploratory	exploratory	ADJ
aijbms-280	300	16	study	study	NOUN
aijbms-280	300	17	.	.	PUNCT
aijbms-280	301	1	international	international	ADJ
aijbms-280	301	2	journal	journal	PROPN
aijbms-280	301	3	of	of	ADP
aijbms-280	301	4	management	management	NOUN
aijbms-280	301	5	and	and	CCONJ
aijbms-280	301	6	applied	apply	VERB
aijbms-280	301	7	research	research	NOUN
aijbms-280	301	8	,	,	PUNCT
aijbms-280	301	9	6(4	6(4	NUM
aijbms-280	301	10	)	)	PUNCT
aijbms-280	301	11	,	,	PUNCT
aijbms-280	301	12	355	355	NUM
aijbms-280	301	13	-	-	SYM
aijbms-280	301	14	365	365	NUM
aijbms-280	301	15	.	.	PUNCT
aijbms-280	302	1	https://doi.org/10.18646/2056.64.19-027	https://doi.org/10.18646/2056.64.19-027	PROPN
aijbms-280	302	2	.	.	PUNCT
aijbms-280	303	1	zayed	zaye	VERB
aijbms-280	303	2	,	,	PUNCT
aijbms-280	303	3	n.	n.	NOUN
aijbms-280	303	4	m	m	PROPN
aijbms-280	303	5	.z	.z	PROPN
aijbms-280	303	6	.	.	PUNCT
aijbms-280	303	7	,	,	PUNCT
aijbms-280	303	8	meero	meero	NOUN
aijbms-280	303	9	,	,	PUNCT
aijbms-280	303	10	a.	a.	NOUN
aijbms-280	303	11	,	,	PUNCT
aijbms-280	303	12	rahman	rahman	PROPN
aijbms-280	303	13	,	,	PUNCT
aijbms-280	303	14	a.	a.	PROPN
aijbms-280	303	15	a.	a.	PROPN
aijbms-280	303	16	a.	a.	PROPN
aijbms-280	303	17	,	,	PUNCT
aijbms-280	303	18	islam	islam	PROPN
aijbms-280	303	19	,	,	PUNCT
aijbms-280	303	20	k.	k.	PROPN
aijbms-280	303	21	m.	m.	PROPN
aijbms-280	303	22	a.	a.	PROPN
aijbms-280	303	23	,	,	PUNCT
aijbms-280	303	24	shahiduzzaman	shahiduzzaman	PROPN
aijbms-280	303	25	khan	khan	PROPN
aijbms-280	303	26	shahi	shahi	PROPN
aijbms-280	303	27	,	,	PUNCT
aijbms-280	303	28	shama	shama	NOUN
aijbms-280	303	29	tasnim	tasnim	NOUN
aijbms-280	303	30	.	.	PUNCT
aijbms-280	304	1	(	(	PUNCT
aijbms-280	304	2	2021a	2021a	NUM
aijbms-280	304	3	)	)	PUNCT
aijbms-280	304	4	.	.	PUNCT
aijbms-280	305	1	demand	demand	NOUN
aijbms-280	305	2	and	and	CCONJ
aijbms-280	305	3	supply	supply	NOUN
aijbms-280	305	4	-	-	PUNCT
aijbms-280	305	5	side	side	NOUN
aijbms-280	305	6	analysis	analysis	NOUN
aijbms-280	305	7	of	of	ADP
aijbms-280	305	8	dhaka	dhaka	PROPN
aijbms-280	305	9	based	base	VERB
aijbms-280	305	10	online	online	PROPN
aijbms-280	305	11	business	business	NOUN
aijbms-280	305	12	during	during	ADP
aijbms-280	305	13	the	the	DET
aijbms-280	305	14	covid-19	covid-19	PROPN
aijbms-280	305	15	pandemic	pandemic	NOUN
aijbms-280	305	16	:	:	PUNCT
aijbms-280	305	17	evidence	evidence	NOUN
aijbms-280	305	18	from	from	ADP
aijbms-280	305	19	bangladesh	bangladesh	PROPN
aijbms-280	305	20	.	.	PUNCT
aijbms-280	306	1	journal	journal	PROPN
aijbms-280	306	2	of	of	ADP
aijbms-280	306	3	southwest	southwest	PROPN
aijbms-280	306	4	jiaotong	jiaotong	PROPN
aijbms-280	306	5	university	university	PROPN
aijbms-280	306	6	,	,	PUNCT
aijbms-280	306	7	56(3	56(3	NOUN
aijbms-280	306	8	)	)	PUNCT
aijbms-280	306	9	.	.	PUNCT
aijbms-280	307	1	https://doi.org/10.35741/issn.02582724.56.3.47	https://doi.org/10.35741/issn.02582724.56.3.47	PROPN
aijbms-280	307	2	zayed	zayed	ADJ
aijbms-280	307	3	,	,	PUNCT
aijbms-280	307	4	n.	n.	NOUN
aijbms-280	307	5	m.	m.	NOUN
aijbms-280	307	6	,	,	PUNCT
aijbms-280	307	7	islam	islam	PROPN
aijbms-280	307	8	,	,	PUNCT
aijbms-280	307	9	k.	k.	PROPN
aijbms-280	307	10	m.	m.	PROPN
aijbms-280	307	11	a.	a.	PROPN
aijbms-280	307	12	,	,	PUNCT
aijbms-280	307	13	shahi	shahi	PROPN
aijbms-280	307	14	,	,	PUNCT
aijbms-280	307	15	s.	s.	PROPN
aijbms-280	307	16	k.	k.	PROPN
aijbms-280	307	17	,	,	PUNCT
aijbms-280	307	18	rahman	rahman	PROPN
aijbms-280	307	19	,	,	PUNCT
aijbms-280	307	20	m.	m.	NOUN
aijbms-280	307	21	s.	s.	PROPN
aijbms-280	307	22	,	,	PUNCT
aijbms-280	307	23	&	&	CCONJ
aijbms-280	307	24	raisa	raisa	PROPN
aijbms-280	307	25	,	,	PUNCT
aijbms-280	307	26	t.	t.	PROPN
aijbms-280	307	27	s.	s.	PROPN
aijbms-280	307	28	(	(	PUNCT
aijbms-280	307	29	2021b	2021b	NUM
aijbms-280	307	30	)	)	PUNCT
aijbms-280	307	31	.	.	PUNCT
aijbms-280	308	1	an	an	DET
aijbms-280	308	2	analysis	analysis	NOUN
aijbms-280	308	3	on	on	ADP
aijbms-280	308	4	the	the	DET
aijbms-280	308	5	effects	effect	NOUN
aijbms-280	308	6	of	of	ADP
aijbms-280	308	7	coronavirus	coronavirus	NOUN
aijbms-280	308	8	(	(	PUNCT
aijbms-280	308	9	covid-19	covid-19	PROPN
aijbms-280	308	10	)	)	PUNCT
aijbms-280	308	11	on	on	ADP
aijbms-280	308	12	the	the	DET
aijbms-280	308	13	financial	financial	ADJ
aijbms-280	308	14	management	management	NOUN
aijbms-280	308	15	of	of	ADP
aijbms-280	308	16	multinational	multinational	ADJ
aijbms-280	308	17	corporations	corporation	NOUN
aijbms-280	308	18	.	.	PUNCT
aijbms-280	309	1	australian	australian	ADJ
aijbms-280	309	2	finance	finance	PROPN
aijbms-280	309	3	&	&	CCONJ
aijbms-280	309	4	banking	banking	PROPN
aijbms-280	309	5	review	review	PROPN
aijbms-280	309	6	,	,	PUNCT
aijbms-280	309	7	5(1	5(1	NUM
aijbms-280	309	8	)	)	PUNCT
aijbms-280	309	9	,	,	PUNCT
aijbms-280	309	10	43	43	NUM
aijbms-280	309	11	-	-	SYM
aijbms-280	309	12	53	53	NUM
aijbms-280	309	13	.	.	PUNCT
aijbms-280	310	1	https://doi.org/10.46281/afbr.v5i1.1015	https://doi.org/10.46281/afbr.v5i1.1015	PROPN
aijbms-280	310	2	zayed	zaye	VERB
aijbms-280	310	3	,	,	PUNCT
aijbms-280	310	4	n.	n.	NOUN
aijbms-280	310	5	m.	m.	NOUN
aijbms-280	310	6	,	,	PUNCT
aijbms-280	310	7	edeh	edeh	PROPN
aijbms-280	310	8	,	,	PUNCT
aijbms-280	310	9	f.	f.	PROPN
aijbms-280	310	10	o.	o.	PROPN
aijbms-280	310	11	,	,	PUNCT
aijbms-280	310	12	darwish	darwish	PROPN
aijbms-280	310	13	,	,	PUNCT
aijbms-280	310	14	s.	s.	PROPN
aijbms-280	310	15	,	,	PUNCT
aijbms-280	310	16	islam	islam	PROPN
aijbms-280	310	17	,	,	PUNCT
aijbms-280	310	18	k.	k.	PROPN
aijbms-280	310	19	m.	m.	PROPN
aijbms-280	310	20	,	,	PUNCT
aijbms-280	310	21	kryshtal	kryshtal	PROPN
aijbms-280	310	22	,	,	PUNCT
aijbms-280	310	23	h.	h.	PROPN
aijbms-280	310	24	,	,	PUNCT
aijbms-280	310	25	nitsenko	nitsenko	PROPN
aijbms-280	310	26	,	,	PUNCT
aijbms-280	310	27	v.	v.	PROPN
aijbms-280	310	28	,	,	PUNCT
aijbms-280	310	29	&	&	CCONJ
aijbms-280	310	30	stanislavyk	stanislavyk	PROPN
aijbms-280	310	31	,	,	PUNCT
aijbms-280	310	32	o.	o.	PROPN
aijbms-280	310	33	(	(	PUNCT
aijbms-280	310	34	2022a	2022a	NUM
aijbms-280	310	35	)	)	PUNCT
aijbms-280	310	36	.	.	PUNCT
aijbms-280	311	1	human	human	ADJ
aijbms-280	311	2	resource	resource	NOUN
aijbms-280	311	3	skill	skill	NOUN
aijbms-280	311	4	adjustment	adjustment	NOUN
aijbms-280	311	5	in	in	ADP
aijbms-280	311	6	service	service	NOUN
aijbms-280	311	7	sector	sector	NOUN
aijbms-280	311	8	:	:	PUNCT
aijbms-280	311	9	predicting	predict	VERB
aijbms-280	311	10	dynamic	dynamic	ADJ
aijbms-280	311	11	capability	capability	NOUN
aijbms-280	311	12	in	in	ADP
aijbms-280	311	13	post	post	NOUN
aijbms-280	311	14	covid-19	covid-19	PROPN
aijbms-280	311	15	work	work	NOUN
aijbms-280	311	16	environment	environment	NOUN
aijbms-280	311	17	.	.	PUNCT
aijbms-280	312	1	journal	journal	NOUN
aijbms-280	312	2	of	of	ADP
aijbms-280	312	3	risk	risk	NOUN
aijbms-280	312	4	and	and	CCONJ
aijbms-280	312	5	financial	financial	ADJ
aijbms-280	312	6	management	management	NOUN
aijbms-280	312	7	,	,	PUNCT
aijbms-280	312	8	15(9	15(9	NUM
aijbms-280	312	9	)	)	PUNCT
aijbms-280	312	10	,	,	PUNCT
aijbms-280	312	11	402	402	NUM
aijbms-280	312	12	.	.	PUNCT
aijbms-280	312	13	https://doi.org/10.3390/jrfm15090402	https://doi.org/10.3390/jrfm15090402	PROPN
aijbms-280	312	14	.	.	PUNCT
aijbms-280	313	1	zayed	zaye	VERB
aijbms-280	313	2	,	,	PUNCT
aijbms-280	313	3	n.	n.	NOUN
aijbms-280	313	4	m.	m.	NOUN
aijbms-280	313	5	,	,	PUNCT
aijbms-280	313	6	edeh	edeh	PROPN
aijbms-280	313	7	,	,	PUNCT
aijbms-280	313	8	f.	f.	PROPN
aijbms-280	313	9	o.	o.	PROPN
aijbms-280	313	10	,	,	PUNCT
aijbms-280	313	11	islam	islam	PROPN
aijbms-280	313	12	,	,	PUNCT
aijbms-280	313	13	k.	k.	PROPN
aijbms-280	313	14	m.	m.	PROPN
aijbms-280	313	15	a.	a.	PROPN
aijbms-280	313	16	,	,	PUNCT
aijbms-280	313	17	nitsenko	nitsenko	PROPN
aijbms-280	313	18	,	,	PUNCT
aijbms-280	313	19	v.	v.	PROPN
aijbms-280	313	20	,	,	PUNCT
aijbms-280	313	21	dubovyk	dubovyk	NOUN
aijbms-280	313	22	,	,	PUNCT
aijbms-280	313	23	t.	t.	PROPN
aijbms-280	313	24	,	,	PUNCT
aijbms-280	313	25	&	&	CCONJ
aijbms-280	313	26	doroshuk	doroshuk	PROPN
aijbms-280	313	27	,	,	PUNCT
aijbms-280	313	28	h.	h.	PROPN
aijbms-280	313	29	(	(	PUNCT
aijbms-280	313	30	2022b	2022b	NUM
aijbms-280	313	31	)	)	PUNCT
aijbms-280	313	32	.	.	PUNCT
aijbms-280	314	1	an	an	DET
aijbms-280	314	2	investigation	investigation	NOUN
aijbms-280	314	3	into	into	ADP
aijbms-280	314	4	the	the	DET
aijbms-280	314	5	effect	effect	NOUN
aijbms-280	314	6	of	of	ADP
aijbms-280	314	7	knowledge	knowledge	NOUN
aijbms-280	314	8	management	management	NOUN
aijbms-280	314	9	on	on	ADP
aijbms-280	314	10	employee	employee	NOUN
aijbms-280	314	11	retention	retention	NOUN
aijbms-280	314	12	in	in	ADP
aijbms-280	314	13	the	the	DET
aijbms-280	314	14	telecom	telecom	NOUN
aijbms-280	314	15	sector	sector	NOUN
aijbms-280	314	16	.	.	PUNCT
aijbms-280	315	1	administrative	administrative	ADJ
aijbms-280	315	2	sciences	sciences	PROPN
aijbms-280	315	3	,	,	PUNCT
aijbms-280	315	4	12(4	12(4	NUM
aijbms-280	315	5	)	)	PUNCT
aijbms-280	315	6	,	,	PUNCT
aijbms-280	315	7	138	138	NUM
aijbms-280	315	8	.	.	PUNCT
aijbms-280	316	1	https://doi.org/10.3390/admsci12040138	https://doi.org/10.3390/admsci12040138	PROPN
aijbms-280	316	2	zayed	zayed	PROPN
aijbms-280	316	3	,	,	PUNCT
aijbms-280	316	4	n.	n.	NOUN
aijbms-280	316	5	m.	m.	NOUN
aijbms-280	316	6	,	,	PUNCT
aijbms-280	316	7	edeh	edeh	PROPN
aijbms-280	316	8	,	,	PUNCT
aijbms-280	316	9	f.	f.	PROPN
aijbms-280	316	10	o.	o.	PROPN
aijbms-280	316	11	,	,	PUNCT
aijbms-280	316	12	islam	islam	PROPN
aijbms-280	316	13	,	,	PUNCT
aijbms-280	316	14	k.	k.	PROPN
aijbms-280	316	15	m.	m.	PROPN
aijbms-280	316	16	a.	a.	PROPN
aijbms-280	316	17	,	,	PUNCT
aijbms-280	316	18	nitsenko	nitsenko	PROPN
aijbms-280	316	19	,	,	PUNCT
aijbms-280	316	20	v.	v.	PROPN
aijbms-280	316	21	,	,	PUNCT
aijbms-280	316	22	polova	polova	PROPN
aijbms-280	316	23	,	,	PUNCT
aijbms-280	316	24	o.	o.	PROPN
aijbms-280	316	25	,	,	PUNCT
aijbms-280	316	26	&	&	CCONJ
aijbms-280	316	27	khaietska	khaietska	PROPN
aijbms-280	316	28	,	,	PUNCT
aijbms-280	316	29	o.	o.	NOUN
aijbms-280	316	30	(	(	PUNCT
aijbms-280	316	31	2022c	2022c	NUM
aijbms-280	316	32	)	)	PUNCT
aijbms-280	316	33	.	.	PUNCT
aijbms-280	317	1	utilization	utilization	NOUN
aijbms-280	317	2	of	of	ADP
aijbms-280	317	3	knowledge	knowledge	NOUN
aijbms-280	317	4	management	management	NOUN
aijbms-280	317	5	as	as	ADP
aijbms-280	317	6	business	business	NOUN
aijbms-280	317	7	resilience	resilience	NOUN
aijbms-280	317	8	strategy	strategy	NOUN
aijbms-280	317	9	for	for	ADP
aijbms-280	317	10	microentrepreneurs	microentrepreneur	NOUN
aijbms-280	317	11	in	in	ADP
aijbms-280	317	12	post	post	ADJ
aijbms-280	317	13	-	-	ADJ
aijbms-280	317	14	covid-19	covid-19	ADJ
aijbms-280	317	15	economy	economy	NOUN
aijbms-280	317	16	.	.	PUNCT
aijbms-280	318	1	sustainability	sustainability	NOUN
aijbms-280	318	2	,	,	PUNCT
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